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A presentation discussing how mobile innovation is creating a new phase of competition in financial services
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2. Copyright 2013 Aite Group, LLC 2@rshevlin 3. Copyright 2013 Aite Group, LLC 3@rshevlinThemeMobile innovation is creatinga new phase of competitionin financial services 4. Copyright 2013 Aite Group, LLC 4@rshevlinAgenda Why change now? How will mobile change FIs? What is the new phase of competition? 5. Copyright 2013 Aite Group, LLC 5@rshevlin-2%0%2%4%6%8%10%12%14%16%1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009Source: Federal Reserve BankBank return on equity 6. Copyright 2013 Aite Group, LLC 6@rshevlinBridging the ROE gapSource: Boston Consulting GroupCurrentROECostreductionPricing Growth8%HistoricalROE+3-4%+1-2%+1-2% 13-16% 7. Copyright 2013 Aite Group, LLC 7@rshevlinDeposit account service charges32.034.036.038.040.042.044.02008 2009 2010 2011 2012US$ (in billions)-19%Source: Novantas 8. Copyright 2013 Aite Group, LLC 8@rshevlinThe NII challengeSource: http://www.bankregdata.com/allIEmet.asp?met=NII2.62%1.27%1.46% 1.42%>$50B(n=35)$5B to $49B(n=125)$1B to $5B(n=471)