GWC2013 - Nicolás Moya - Bankinter

Rethinking the TraditionalOnline Offer

Nicolas MoyaDirector of Innovation

1 Bankinter at a Glance

Bankinter at a Glance

1. Universal bank with domestic focus in Spain.

2. A lean branch network supported by a multichannel approach to distribution.

3. Segment diversification (50% gross income from enterprises, 50% from individuals).

4. Specialized in affluent and mass affluent segments.

5. Over 4,300 employees.

6. Almost one million clients.

7. NPL ratio 4.0%. Less than half the Industry average.

2 The Perfect Moment

Internet is a mature environment in Spain

+38% +10% +27% +23%

2008 2009 2010 2011

eCommerce Growth rate (Spain)

New devices generate new expectations

Clients expect excellent user experience.

Internet surfers have become active users.

Web surfers want to generate their own contents. Today it is not enough to read contents on Internet.

In the Banking Industry, customer are demanding changes

It is not only a Corporate Reputation problem… ... but it also a matter of developing new products,

services and relationship models.Clients want a “more emotional” Banking.

An opportunity

To considerate Internet as a market instead just as a channel

To catch clients online.

To build an online 2.0 offer.

To find an additional value generation model for the Bank.

3 COINC.“Motivated Savings”

Introducing a New Brand

Introducing a New Brand

Introducing a New Brand

Introducing a New Brand

Save like never before.

Target users

For agile Internet Users with aspirations of financial responsibility…

… a younger segment.

Target usersCOINC uses a very different language than Bankinter

More direct, colloquial, funny

PositioningCOINC uses a very different language than Bankinter

Value proposition

COINC is the online portal that helps you achieve what you’ve always wanted, making saving easy and even fun.

Dynamic online environment reflecting the latest trends in usability, tech and social.

Video

A very different relation model

Save for specific goals: a wedding, a trip, an iPAD, or just save…

Gamification and personalization to motivate savings

Easy tracking and total flexibility

100% online, paper-free registration

Supported by a Bank deposit

Remunerate with an Interest Rate.

Possibility of withdrawing funds.

Bankinter and Central Bank guarantees.

4 Social

Saving with others

… and also a viral way to catch new users.

Share personal goals with your network

Receive donations

And now… Collective Goals

Savings more social, more emotional.

And now… Collective Goals

Video

With Collective Goals COINC becomes social

Gracias!

@coinc_es@nicolas1968