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Digital banking brings in many challenges and dangerous competition for traditional banks, However, banks have huge assets which enables them not only to survive the digital revolution but to become much more then they are today. Banks can become financial management hub for private customers by leveraging their digital assets, providing a complete customer experience and by constant innovation. See more inside.
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Smart Playersor
Dumb pipes?
Smart Playersor
Dumb pipes?
Shay RosenHead of Strategy & Consulting
shayr@realcommerce.co.il
Shayr@realcommerce.co.il
http://www.linkedin.com/in/shayrosen
http://www.facebook.com/shayrs
http://www.slideshare.net/shayrs
M: 052-5118539
Shay RosenHead of Strategy & Consulting, realcommerce
• StrategyBusiness analysis, Concept creation, UX, UI
• TechnologyRobust, Smart, efficient content management & e-commerce platforms
• LeadershipPowering Israel’s largest and most successful enterprises
Graph, charts & pies
30.9.2010 - http://www.aba.com/Press+Room/093010PreferredBankingMethod.htm( ABA*ע"פ מחקר של איגוד הבנקאים האמריקאי )
Current account
Loans
Deposits
Credit/ Payments
Trade
Current account
Loans
Deposits
Credit/ Payments
Trade
Current account
Loans
Deposits
Credit/ Payments
Trade
Current account
Loans
Deposits
Credit/ Payments
Trade
Current account
Loans
Deposits
Credit/ Payments
Trade
Dumb PipeAlert
Banks competitive advantage
ExtremelySuccessful online banking
Focus on customers, not on products
UX
Existing CustomersSelf Service
New Customers Join
ProductsPromotion
New Vs. Existing customers• Currently – Equal focus• Separate sites for new customers and for existing customers service
Existing CustomersSelf ServiceNew
CustomersJoin Service
Personalized promotion & sales
Monetize & Serve existing customers• Smart Self Service• Personalized product promotion• Online sales to existing customers
The Customer Journey
Buy onlineBrowse ProductsDecisionInformation
• No Branch• No Call
center• Enable
closing the deal online
• Productize• Added value• Competitive
Advantages
• Build conversion funnels
•Calculators•Simulators•Planning tools•Online support
•Community support
•Clear •Relevant•Transparent•Decision supporting
•Common language
Provide The right Information
Help making a
* Collect some useful information
Decision
Allow customers to Browse Products
Sell online
The new WWW
Innovate
Beware!
Wrap up• Focus on customer needs not on organization constraints• Present information in an attractive and cool way• Support Decisions• Be transparent and competitive• Sell online• Be present everywhere
• On every channel & every screen• Build a perfect User experience
A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses
Smart playersCan Be Much More
Or
…
Smart playersCan Be Much More
Or
…
Shayr@realcommerce.co.ilhttp://www.linkedin.com/in/shayrosenhttp://www.facebook.com/shayrshttp://www.slideshare.net/shayrsM: 052-5118539
Shay RosenHead of Strategy & Consulting, realcommerce
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