Neo-Banking is Just Getting Started. BBVA signe pour le réseau temps réel de Dwolla. Demain, quels services de banque en ligne ? Datathon : BBVA récidive ! Desjardins lance une banque virtuelle. 14 octobre 2014 | La rédaction | Commenter Les nouvelles habitudes numériques de la clientèle et le succès de services bancaires virtuels, Tangerine en tête, donnent des idées.
Desjardins lancera ainsi Zag Bank dans l’ouest du Canada au début de 2015. L’objectif : s’inscrire dans l’offre de CPG et de comptes à intérêts élevés. Zag Bank, nouvelle incarnation de Bank West, bénéficiera d’une plateforme transactionnelle de pointe. Hello Bank! s'installe sur les montres. Is a combination of the best experience. Moven signe avec Westpac : la fin d'un rêve ? C'est pas mon idée !: L'assistant virtuel USAA a réponse à tout. L'assistant virtuel USAA a réponse à tout. St George : la banque au bout du doigt.
2015 Digital Banking Strategic Planning (Part 1) 2015 Digital Banking Strategic Planning (part 2) The digital battle that banks must win. One in three people in developed markets now carries a smartphone, and few doubt that banks will rely increasingly on digital channels to serve the fast-growing population of consumers who rely on multiple devices to conduct daily business online.
In the United States, where smartphones account for more than half of mobile subscriptions, one-third of consumers are using their phones to make payments. Unfortunately for banks, many of these payments are transacted through mobile apps controlled by online-payments specialists and digital merchants. Payments represent the beachhead for the entire banking relationship, and this beachhead is under attack.
Offering a strong payments plan as part of a comprehensive strategy for digital banking is therefore an imperative for banks. But to compete in this emerging arena, banks must meet the expectations of digital natives, delivering diverse tools to help customers make smart decisions across a range of financial services. What’s trending in #digital. The rise of the digital bank. Across Europe, retail banks have digitized only 20 to 40 percent of their processes; 90 percent of European banks invest less than 0.5 percent of their total spending on digital.
As a result, most have relatively shallow digital offerings focused on enabling basic customer transactions. Neither customers nor digital upstarts are likely to wait for retail banks to catch up. Recent analysis shows that over the next five years, more than two-thirds of banking customers in Europe are likely to be “self-directed” and highly adapted to the online world. In fact, these same consumers already take great advantage of digital technologies in other industries—booking flights and holidays, buying books and music, and increasingly shopping for groceries and other goods via digital channels.
The future of US retail-banking distribution. The Stephenses live in a suburb of New York City.
For more than 30 years, they had their entire banking relationship, including a small-business account, with a large bank in their neighborhood. The bank had a leading brand and a broad product suite. The Stephenses, now in their seventies, were so close to their bankers that they would bring Christmas presents to the branch manager and tellers. Things began to change in the 1990s. Eager to wean customers off the branch, the bank sent an assistant branch manager to the family’s home to set up a dial-up banking system. A few years ago, the Stephenses severed their 30-year relationship with the bank. The Stephenses view their accounts and make transactions on a daily basis through iPhone and iPad apps. The Stephenses’ story is not unusual; it is representative of how bank-customer behavior is changing. Exhibit 1 The more that customers use digital channels, the more they want human interaction.
Trois idées pour la banque mobile. 300 Mobile Payment and Digital Banking Trends. As banks and credit unions begin strategic planning for 2015, it is helpful to have statistics to help form a view of current market trends.
No place is this more important than with digital banking and mobile payments, where technology, adoption and competition is changing faster than ever. By Jim Marous, Publisher of Retail Banking Strategies for The Financial Brand The relationship between financial institutions and consumers is rapidly changing, with interactions increasingly occurring on mobile devices, in real time, with contextual benefits. While branches and traditional products and services still are desired by many consumers, financial institutions hoping to reduce costs, improve the customer experience and provide the services required by digital consumers can’t ignore mobile and digital trends. In this report, those involved in the strategic planning process can find:
The Digitization of Financial Services. When you hear the word “digital,” you may think of consumer product companies like Apple and Amazon, or social media channels like Facebook and Twitter.
But digital is extremely important within financial services institutions as well. Historically, the sector has been an early adopter of technological tools (such as automation and electronic user devices) because it relies on high-level IT to optimize its business processes and interactions with clients. Banking beyond the smartphone - How mobile will banking be in the future? Simple menace l'actuel système bancaire léthargique et désuet. Les institutions financières pourraient offrir davantage qu’un simple accès web à votre compte bancaire.
