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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.
A very different relation model
Save for specific goals: a wedding, a trip, an iPAD, or just save…
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.
With Collective Goals COINC becomes social
Gracias!
@coinc_es@nicolas1968
