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Smartphone challenge for banks in 2011. About IND. Leading European Vendor Online Banking and Mobile Banking 14 years in business, 28 banking customers Key customers: Raiffeisen Bank, Erste Bank, Intesa SanPaolo , Unicredit Bank Key differentiator is User Experience.
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About IND • Leading European Vendor • Online Banking and Mobile Banking • 14 years in business, 28 banking customers • Key customers: Raiffeisen Bank, Erste Bank, IntesaSanPaolo, Unicredit Bank • Key differentiator is User Experience
Change in the Mobile Landscape • Old-style phones • Phone calls • SMS texting • Smartphones • Phone calls • SMS texting • Web browsing • E-mail • Games • Weather • Music • Banking!
Platforms ✖ ? Android (HTC, Samsung, etc.) Blackberry iOS (iPhone, iPod, iPad) Symbian (Nokia) Windows Phone 7 (HTC, etc.)
Mobile Banking Technologies Android Blackberry iOS Symbian Windows Phone 7 Browser (?!) + Apps (faster, richer, better UX)
Payments One-time money transfer Bill payments Photo-a-bill and NFC payments are coming
Bank Feed • Feed the Information • Like the facebook • Marketing possibilities
Killer apps (why use it?) Balance check Locations Payments
Bill Payment Only 1 photo and 2 clicks DONE
IND Mobile Token Functions: - One-Time Password generation - Challenge/Response - Transactions signing
References National Bank of Oman CIB MKB FHB ZUNO Banca Transilvania
Dr. Balázs Vinnai CEO • Balazs.Vinnai@indgroup.eu • www.indgroup.eu