Digital banking & Innovative payments

Technologies & Trends to explore

Big M of modern

banking

• Mobile world

• Mobile service channel

• Mobile apps

• Mobile wallets

• Mobile payments

• Mobile commerce

• Mobile money transfer

Mobile = opportunity

Advantages of mobile

• Involvement of clients

– Always connected/ always with mobile

– Every day tasks support

• Hardware technologies

– Cross platform service support

– Hard/soft capabilities (geo, different types of tech connectivity, interfaces support)

• Eco system & services support

– Different services required payments

– Different services sensitive to targeting and customization

Areas to explore

New shape of customers finance behavior: user experience, usability, access, low barriers

• Instant P2P payments and money transfer

• P2P money transfer without bank details

• Incoming bill payments on-line

• One click transactions

• Scheduled transactions to 3rd party services with accounts integration

• Targeting in service offers

• NFC virtual cards and contactless payments

• Advanced reporting & PFM/PFP

• Multi card management

All you need is…

swipe… Instant P2P payments and money

transfer

Case: Standard Chartered Bank,

Singapore

or bump…

Case: Qiwi, Alpha Bank

P2P transactions with mobile/ e-mail/ socila

indentification

No bank detail for recipients

Case: Rocket Bank, Paym, TCS Wallet

NFC: virtual cards, wallets,

contactless payments

Multi card with no plastic

Case: Tinkoff NFC Wallet

M1/ DBS Bank

Apple

MCX (CurrentC)

Scheduled transactions to 3rd party services

with accounts integration

Live balances from 3rd party service accounts for

payments planning

Case: PayStore

Reporting, planning & PFM

Finance planning, report management & traction

Case: Mint, CoinKeeper

Multi card management

Other banks cards

management

Case: Ondot, Apple

New security level

Case: Apple

And it’s only beginning

Alexey Maklakov a.maklakov@otpgroup.ru https://www.facebook.com/morethanbank