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© Swedbank
Money and Mobile: SwedbankErkki Saarniit, Head of E-Channels Operations, Swedbank
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What fits into mobile?
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What fits into mobile? Today?
3
Picture: www.clickaphone.co.uk
App: accountbalance, quick
overview
Calls to bank
SMS notifications
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What fits into mobile? Actually today.
4
Picture: www.clickaphone.co.uk
App: accountbalance, quick
overview
Authentication and signature (mobile-ID)
Payment in internet (mobile bank link or
card)
Calls to bank
SMS notifications
Browser: wholeinternet bank
Transfer to a friend
E-mails to and frombank
Location basedrecommendations: ATMs, branches,
discounts
© Swedbank
What fits into mobile? Today/tomorrow.
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Picture: www.clickaphone.co.uk
App: most of bankstuff
Authentication and signature (mobile-ID)
Payment in a shop
Payment in internet (mobile bank link or
card)
Calls to bank
SMS notifications
Browser: wholeinternet bank
Transfer to a friend
E-mails to and frombank
Location basedrecommendations: ATMs, branches,
discounts
Location based offers
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For entrepreneurs...
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Bank link as the most popular payment methodin the Baltics
• When having Baltic customers, definitely have a bank link as a payment possibility.
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Have some bank’sinternet bank agreement, have bank link payment
possibility
1/3 have a card with
onlinepayment
functionality
Have ever usedthe card formobile purchases
Have ever usedthe card foronline purchases
1/3 have ever used
banklink for online purchases
Have ever usedbanklink formobile purchases
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Expand your audience
• Offer payment options based on the region.
• Use as many possible payment options as financiallyreasonable.
• Offer internationally known payment options – credit cards, PayPal etc. to attract customers worldwide.
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How bank link looks like in mobile?
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For developers...
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Bank link in the Baltics is easy to implement
• You will need a contract and exchange certificates.
• You will need to send and receive packages based on simplespecification.
• You should use HTTPS. And a good web server certificate.
• You don’t have to do anything in order to look good in mobile.
More information about bank link:
https://www.swedbank.ee/business/cash/ecommerce/banklink/description
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Any other cool stuff?
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• Swedbank’s mobile app on of the most popular apps in Estonia – more than 130 000 downloads.
• More than 200 000 Swedbank customers have a smartphone.
• For mobile bank and bank link you don’t have to have an app, you just need a more or less modern mobile browser.
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Fun facts
0
500
1 000
1 500
2 000
2 500
3 000
3 500
Total downloads ANDROID IPHONE
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© Swedbank
Thank you!
Questions?
Find me later or contact me:Erkki [email protected]+372 888 7192
http://www.linkedin.com/in/erkkisaarniit
