View
83
Download
0
Category
Preview:
Citation preview
Web 2.0 Banking
Opportunities made by Fidor TecS AG General Information – Status July 2013
Fascinated by the Opportunities
of the “Crowd Finance” Era?! The Web 2.0 World, started by technology firms such as Wikipedia and commercialized by
companies such as Google, Apple and Facebook, has made a user-centered online experience
non-negotiable. All companies, especially those in financial services, must provide this kind of
experience or risk losing customers to competitors who do. This counts in particular for the B2C
business, but also for the B2B sector of banking.
As customers develop radically different behaviour patterns like going mobile and using social-
media tools, they are looking for new ways to interact and engage with banks. Fidor Bank is the
first bank covering that digital lifestyle. Besides traditional banking, Fidor Bank offers internet-
payments, peer-to-peer lending, peer-to-peer-brokerage, crowd-funding, virtual currencies. And it
has an active community, in which users rate banking products or financial advisors, compare their
finance profiles and discuss their money matters. No wonder Chris Skinner called Fidor Bank in
his blog “the most innovative bank out there …”.
More and more bank executives realize these changes and also the opportunities, coming with
them. But they are held back by the restrictions of their legacy systems. These systems cannot
keep up with the Web 2.0 World or the rapid changes caused e. g. by the mobile revolution.
Fidor TecS AG acknowledges these challenges and helps financial and non-financial companies to
complement their current systems. Fidor TecS AG is a 100% subsidiary of Fidor Bank AG,
developing and maintaining one of the most modern banking- and community-applications, offering
a “one stop shopping” solution (from development to hosting).
*http://thefinanser.co.uk/fsclub/2012/06/fidor-bank-from-one-extreme-to-another.html
Our Execution of Banking 2.0
combines Community, Payment and
Banking.
Crowd- Finance
Apps
Social Trading
Apps
Virtual Curren-
cies
Peer to peer
lending
Bonus Scheme
E-Payment
SEPA
Global Money
Transfer Mobile Payment
Social Payment
Fidor Smart Cash Account.
There is nothing more exciting! Fidor Bank will introduce Fidor Smart Cash Account (FSCA) and Fidor Smart Corporate Account in
Autumn 2013 to the markets. This account technology follows the vision of Fidor Bank: “we
transform an account into an smart account, like apple made a smart phone out of a telephone.”
Some “sneak preview” highlights:
- FSCA (Fidor Smart Cash Account) will be open via API for third party apps (as today)
- New: Customers can customize account by deciding, which App should be in, which out (like
customers do that with a smart phone)
- New: To make that easy for the customer, a first stage App-Store will be introduced within that
Fidor Smart Cash Account.
- New: The Transaction List within that account will be a first step “PFM” (Personal Finance
Management) Tool. In case of questions, resulting out of existing transactions, customers can
ask questions directly into the community.
- New: Customers can compare their financial behaviour with the community within their “cash
statement”.
This is a unique development, our Whitelabel-Partners will benefit from. This unique account-
Technology combines in an impressive way the possibilities of an online community with a modern
account technology.
Understanding Trends.
Mobile usage will surpass desktop or laptop usage in the next few years. As touch screen phones
become more popular, mobile touch Web applications and are becoming the norm. Therefore, a
bank’s user experience needs to be optimized for both regular browsers, as well as, mobile touch
devices, with touch-friendly layouts and lightweight pages, which quickly load.
Source: Forrester Research, Inc.
Understanding Touchpoints.
The pace of change in digital technologies is sometimes bewildering. Just a view years ago many
banking executives hadn’t even heard of the iPhone, Android or the iPad. Now engaging with
customers through these touch points is becoming standard practice.
Source: Forrester Research, Inc. Source: Forrester Research, Inc.
Understanding Mobile.
The pace of change in digital technologies is sometimes bewildering. Just a view years ago many
banking executives hadn’t even heard of the iPhone, Android or the iPad. Now engaging with
customers through these touch points is becoming standard practice.
Mobile usage will surpass desktop or laptop usage in the next few years. As touch screen phones
become more popular, mobile touch Web applications are becoming the norm. Therefore, a bank’s
user experience needs to be optimized for both regular browsers, as well as, mobile touch
devices, with touch-friendly layouts and lightweight pages, which quickly load.
Responsive Layout atTablett and Desktop
Native App´s for Smartphones
Security Solutions
Registration process must be mobile
What kind of offers are demanded by a mobile internet behaviour? Newsletter Marketing
Mobile optimized/responsive
Communicating the Mobile Offer via Internet Content/Portale Websites
A number of simple APPs, one product APPs instead of one „fat“ all we can offer APP
Customer can group Fidor APPs in One chapter on the smartphone.
Agile Development: targeting a new APP every 6 – 8 weeks
Mobile Strategy
Mobile is more than just an APP. The Fidor TecS AG conceptional view contains more than just designing a smartphone app. In the
1990ies, banks started to set up first web-sites looking like their print prospectus. Today, banks
repeat that mistake by copiing their web-offer into the mobile space.
How Mobile can create a USP.
The Fidor TecS AG conceptional view contains more than just designing a smartphone app. In the
1990ies, banks started to set up first web-sites looking like their print prospectus. Today, banks
repeat that mistake by copiing their web-offer into the mobile space.
Make the Difference:
• Normal banks to take their bank offer and place it on the smartphone. As then also the branch
banking was once placed in the network.
• There is no product matching. There is no process adjustment.
• How then suspect banks also that there is no change in behavior through a new medium.
• The success of PayPal was an "accident" of the banks.
• There is no offer of a community bank. Accordingly, there is no community support via Mobile
App.
• There is no peer-to-peer and no crowd banking. Accordingly, there are solutions such as APP
only for start-ups.
Community posts,
products retings, Q&A
Customer
generated
content
Company
generated
knowledge
3. Party &
Open source
information
CIS Analysis, Reportings,
Customer Service,
Marketing, Sales
Registration Process,
APPs, Crowd Finance,
Transactions, external
Databases etc.
Understanding “Big-Data”:
Collecting Data for the Customers.
Fidor Bank´s Customer data will not only be collected and analyzed by the bank. The findings
from the data collection are also made available to customers. Objective: optimizing customers
and users finances: The CIS = Customer Information System – besides e. g. an MIS, a
Management Information System.
Retail-Customer &
B-to-B Customer (SMEs)
Corporate (E-Business,
Whitelabel-Partner etc.)
Understanding your needs!
Fidor TecS web 2.0 driven Smart Account Solution is designed not only with the needs of the
customer in mind, but also those of the whitelabel-partner, an e-business manager or the IT
administrator of your organisation. Fidor Smart Account provides a high level of personalization
combined with a modern user experience and access from all devices, desktop or mobile.
Together with the FidorTecS AG Team, our partners are able to maintain control over the portal and
drive a customer’s entire journey while making changes when necessary and publishing them
directly, wherever and whenever, you want.
To make sure that the technical development keeps pace with the speed of market-development,
Fidor TECS works with a philosophy of "small concept sprints".
Bank 2.0 Portal (incl. Community, Bonus-System,
Payment und Banking)
Portal Manager
Core Banking (Existing or Fidor Bank´s Solution)
Social media
Game Partner platform
Mobile app shop
Web browser
chip Mobile
browser Card
Points of Contact and
Access Technology:
Back Office
Core Banking &
Ext. Connect
Fidor Smart Account Technology
Data, Processes &
Transactions
IT Hosting
DB Cluster
DB Reporting
Processing Cards
(PF/MC)
External Payment
Providers
IZV/SEPA
Hyperwallet/
Currency Cloud
Fidor
SOAP/
DTA
Fidor API
Currency Cloud
Goldmoney
Crowd FInance
Virwox
PFM Tool
Peta Fuel
CRM
Order Controlling
Customer Service
FidorPay Features
FidorSmart
Account
Fidor Smart
Coprorate
Account
Saving
Certificate
High Yield
Account
Peer to
peer
Lending
AZV
IZV
Payment a/
Invoice pay out Portfolio
pay out
3rd party partnerships: „APPs“
Fidor Bank Services
Customer Engagement
The Architecture
It´s your Choice! Create the perfect
offer for your customers.
The Tools of the Community-Solution:
Fidor Basic Fidor Premium
White Label
Fidor Deluxe
Franchise
Fidor core banking system a a a
Scope of Community
Rate advisors a a a
Rate products a a a
Money-Saving Tips a a a
Desired products a a a
Money questions a a a
Financial analysis – a a
Bonus system – a a
Fidor Basic Fidor Premium
White Label
Fidor Deluxe
Franchise
Scope of Payment
Real-time transactions – a a
Send/receive money with Nickname – a a
Send/receive money with Twitter – a a
Send/receive money with Mobile number – a a
Send/receive money with E-mail address – a a
Financial analysis – a a
Maybe you just want to focus
on payment? Why not…
The Tools of the Payment-Solution:
Fidor Basic Fidor Premium
White Label
Fidor Deluxe
Franchise
Scope of Banking
Financial status – – a
Transfers – – a
Standing order – – a
Direct credit – – a
Life insucrence loans – – a
Foreign currencies – – a
Precious metals – – a
Prepaid MasterCard – a a
Interface for external apps inro FidorPay
account:
Social Trading (Brokertainment)
Crowd Finance (Startnext)
Peer-to-Peer (Smava)
– a a
Combining traditional Banking with
peer-to-peer and crowd finance…
The Tools of the Banking-Solution:
Fidor Basic Fidor Premium
White Label
Fidor Deluxe
Franchise
Scope of Service Level
Basic a a a
Top – a a
Emergency service – – a
The Menu: Choose what you want
or need for your support…
Additional Services:
Case-Study I As an international operating banking institution, we need to catch up with the web-based
development of our customers. Therefor we use the partners Fidor TecS AG as Tec- and Know-
How-Suppliers by whitelabeling their Tec-platform and leveraging their web 2.0-experience in
several workshops.
Banking Institution
Making sure not to miss the web-
trend, I need a partner for agile
and speed-development!
Case-Study II
Operating in the internet, you need to make sure, that all your money-matters ars
being executed in a perfect way – not holding a licence for payments or even a
banking licence. Fidor Bank AG and Fidor TecS AG guarantee you to get Tec-Licence
and Banking-Licence Support from one experienced Group.
E-Commerce
While focussing on my customer-
acquisition and logistics, I need to
support my customers with secure
e-payments, guaranteed by an
independet german bank and it´s
banking licence.
Case-Study III Virtual Currencies can be handled with Fidor Smart Cash Account, white labeled using the
branding of the game-developer or within regular Fidor Smart Cash Account.
Gaming Startup
For my Gaming-Startup-Idea
I need a technological and
banking-regulatory solution –
ideally out of one hand.
Fidor TecS AG and Fidor Bank AG
are helping me to set that up.
Engage with an awarded Partner!
Executive Board: Sylvia Seyfried Dr. Michael Maier Matthias Kröner Sandstrasse 33 80335 München Phone: +4989189085100 E-Mail: maier@fidor.de kroener@fidor.de seyfried@fidor.de
Recommended