THIS IS MY HEADLINE
MY DIGITAL BANKING NIRVANA
(AS OF NOVEMBER 21, 2013)
JIM MAROUS
BANK MARKETING STRATEGY BLOG
Page #
nirvana noun \nir-v-n, the state of perfect happiness and peace
where there is release from all forms of sufferinga state or place
of great happiness and peaceMerriam-Webster Dictionary
Page #MY DIGITAL BANKING NIRVANASimpleEngagingContextual
Page #
Mobile Photo Account Opening uses Mitek's new mobile imaging
platform to capture the front and back of a drivers license,
eliminating error prone data entry by the customer or in the branch
.EASY ACCOUNT OPENING
Page #SureSwipe is Capital One's new Pattern login feature that
allows Card customers to sign into the mobile app with a quick
custom pattern instead of an alpha numeric password.NO MORE
PASSWORDS
Page #
SIMPLIFIED MOBILE BANKING
Page #The GoBank Balance Bar provides instant balance
information without password login.
According to Mapa Research, 18% of banks globally have removed
the need to login at all to see account balances.
Commonwealth Banks pre-login balance was voted as the favorite
feature of Kaching.IMMEDIATE BALANCES
Page #
UNIQUE MOBILE ENGAGEMENT
Page #As opposed to just showing a single balance pre-login,
Bank of New Zealand provides the balances on all of the customers
accounts.
RELATIONSHIP BALANCES
Page #Augmented reality app from PNC Bank allows customer to
easily find closest branch or ATM.BRANCH/ATM FINDER
Page #USAAS Virtual Assistant, powered by Nuance Communication,
lets members speak their banking commands, including bill payments,
through the app. The enhancement is designed to require fewer steps
to complete financial tasks than typed answers.VOICE-DRIVEN
BANKING
Page #ENHANCED iPAD SUPPORT
BBVA Compass was one of the first U.S. banks to allow customers
to sign up for mobile banking without requiring them to sign up for
online banking first. They are still one of the few with a
dedicated iPad app.
Page #Moven provides real-time digital receipts for debit and
mobile payment transactions. These receipts include alerts,
categorization and comparison to historical spending.DIGITAL
RECEIPTS
Page #Simple allows customer to not only view receipts, but also
attach pictures to their transactions. Their overall interface is
one of the cleanest in the industry.
They also integrate a safe-to-spend function that combines
budget with transaction behavior.PHOTO RECEIPTS
Page #GoBank provides a very lighthearted way of helping to
avoid overspending based on budget function with their Fortune
Teller. SPENDING ASSISTANT
Page #GoBank has a very simple way to set more than 10 different
alerts to be delivered to the channel(s) of your choice.CUSTOM
ALERTS
Page #USAA integrates sales within their mobile app on the
start-up page and throughout the entire experience. CONSOLIDATED
SALES & SERVICE
Page #Kaching provides as many payment options as any bank
worldwide, including ability to pay bills with QR codes, make Bump
P2P payments and even payments through Facebook.SIMPLIFIED
PAYMENTS
Page #Square has recently introduced a new way to pay friends.
With Square Cash, sending money is as easy as sending an email. No
passwords, no sign-up, no hassle.UNIVERSAL P2P
Page #mBanks smart transaction search engine makes a search
through your transaction history as easy as using Google on the
internet, with results displayed in real timeTRANSACTION SEARCH
Page #Amex serves cardmembers rewards based on their locations,
should they wish to use the geo-location service.
The feature, called My Offers combines Amex spend history with
location information to provide discounts and information of nearby
merchants. In turn, customers click the deals they want.LOCATIONAL
REWARDS
Page #MoneyDesktop takes consolidated PFM insight and builds
visualized tools to assist in money management.
GuideMe clearly presents financial goals by implementing a
similar approach to the companys patented BubbleBudget concept,
allowing account holders to track progress within each individual
goal while visualizing the immediate importance of each long-term
objective based on variable size and location on the tools virtual
time line.VISUALIZEDPFM
Page #Movens Cred scoreMonitors your financesProvides comparison
to othersGives you feedback about your progress and how you can
improveRewards you for being financially fitHelps you spend, save,
and live smarterFINANCIAL WELLNESS
Page #mBanks gamificationin the banks transactional service to
encourage smart spending and savingGAMIFICATION
Page #AUGMENTED REALITY MORTGAGE
Page #ANZ FastPay was Australias first mobile payment App to
offer small business owners same day settlement of merchant
payments to an ANZ account using an iPhone or iPad.SMALL
BUSINESS
Page #Banco Sabadell is the first bank in the world to present
its own app for Google Glass. The app allows the customer to find
branches and ATMs, check balances and supports video conferencing.
Apps were developed using an open app innovation program.WEARABLE
BANKING
Page #The SmartWatch app is based on Westpacs Cash Tank app that
allows customers to get balances without any authentication.
Westpac is now working to offer customers quick transfers between
their bank accounts and the ability to receive account alerts to
the watch.WEARABLE BANKING
Page #
PLASTIC TO REPLACE MY PLASTIC
Page #CHANNEL INTEGRATION: BOOK AN APPOINTMENT
ING Belgium: customers can book an appointment with a specific
agent in branch via their mobile app
Page #NABs new Smart Store design, where tellers are replaced by
a variety of self service digital interfacesINTEGRATED BRANCHES
Page #NABs new Smart Store design, where tellers are replaced by
a variety of self service digital interfacesINTEGRATED BRANCHES
Page #NABs new Smart Store design, where tellers are replaced by
a variety of self service digital interfacesINTEGRATED BRANCHES
Page #NABs new Smart Store design, where tellers are replaced by
a variety of self service digital interfacesINTEGRATED BRANCHES
Page #
INNOVATION
Page #THE FUTURE MORE CONNECTIONS, MORE DEVICES
Page #Thank YouJim
[email protected]
Bank Marketing Strategy Blogwwwjimmarous.blogspot.com
Page #
