IKO mobile banking and the mobile ecosystem

Jakub GrzechnikHead of Mobile and Internet BankingDecember 3rd, 2015

„Banking is essential, Banks are not”

Banks are still essential!

PKO Bank Polski at a glance

SME customers449k

Total mobile banking users1.5mn

Users with access to e-banking (incl. SMEs)6.9mn

Corporate segment customers14.1k

Agencies900

Group employment29k

Branches1.3k

ATMs3.2k

Established in

1919TOP 30

European bank by market cap

Mobile application users396k

Retail segment customers (incl. SMEs)8.9mn

Sales channelsand number of operations per month

Branchesand agencies

6.5mn interactions

ATMs

17mn transactions

Internet Banking

24mn operactions

Mobile Banking

114k transactions

The new IKO has a modular architecture which simplifies the process of adding new features

Thanks to participation in Polish Payment Standard IKO hasopened to outer world

Choose your movie on vod.pl

Select BLIK payment (no redirection)

Provide BLIK code, accept the transaction in IKO

Gain instant access to the movie

Meanwhile, IKO was a foundation for the interbank mobile payment standard

20142015

Launching of IKOIKO migration intomobile paymentstandard

Launch of BLIKin 6 apps of founders

• The app-based mobile payment system of PKO Bank Polski,

• One app for POS, eCom, ATM and P2P,

• No need for card usage.

• 6 of largest Polish banksfounded a joint venture called PSP,

• Common standard initiated by IKO.

• The common standard is launched as BLIK,

• It has been incorporatedin mobile banking apps of the founder banks,

• It becomes the domesticpayment standard.

6banks

1

2013

Open API for IKOTwo approaches of cooperation with start-ups

New solutions for IKO IKO payments implemented in newsolutions

IKO payments

New ideas for Future Bankingto improve customer experience

„The whole is more than the sum of its parts.”

Aristotle