Sponsored by. What s next for checking accounts
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1 Sponsored by What s next for checking accounts
2 Dave DeFazio Partner Twitter
3 3 The Free Checking Era
4 4
5 5
6 Totally Free Checking % Credit Unions 72% 6 Source: BankRate
7 Totally Free Checking % Credit Unions 72% 76% Banks 38% 7 Source: BankRate
8 Free Fee 8
9 Average Foreign ATM Fee $2.33 $2.10 $2.77 $0.89 $1.33 $1.38 $1.33 $1.64 $ Source: BankRate
10 Average NSF Fee $32.74 $21.57 $23.74 $25.30 $25.81 $27.40 $28.95 $30.47 $ Source: BankRate
11 Average Yield 1.35% 1.04% 0.49% 0.28% 0.34% 0.24% 0.10% 0.05% 0.04% Source: BankRate
12 12 Credit Union vs Banks
13 13
14 14 Free Checking
15 Tech Checking Online Banking Payments Mobile Banking 15
16 Tech Checking Online Banking Payments Mobile Banking 16
17 Online Banking Mobile Banking Mobile Bill Pay Mobile Deposit P2P Payments Apple Pay Mobile Web Site Pre-Login Balance EMV Chip Cards 17
18 Mobile Banking Mobile Bill Pay Mobile Deposit ATM/ Branch Locator P2P Apple Pay! Mobile Friendly Website! Prelogin Balance! EMV Chip Cards Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes 18
19 14% Credit Unions 19% 67% Other Big Banks Primary Relationships 19 Source: AlixPartners, Consumer Switching Behaviors, Financial Services Franchise Health Study
20 14% 8% 19% 67% 14% 78% Credit Unions Other Big Banks Primary Relationships All Switchers 20 Source: AlixPartners, Consumer Switching Behaviors, Financial Services Franchise Health Study
21 14% 8% 14% 7% 11% Credit Unions 19% 78% 82% Other 67% Big Banks Primary Relationships All Switchers Younger Switchers 21 Source: AlixPartners, Consumer Switching Behaviors, Financial Services Franchise Health Study
22 Mobile Drives Customers to Switch 65% 60% 41% 48% 44% 48% 29% 35% 36% 26% 30% 27% 32% 7% 7% 23% 7% 13% 30% 7% 15% 18% 17% 16% 31% 30% Q Q Q Q Q Q Q Q Q Extremely Important Important 22 Source: AlixPartners, Consumer Switching Behaviors, Financial Services Franchise Health Study
23 23 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
24 YoY growth Mobile app users 20% Mobile QuickDeposit 25% Mobile QuickPay 80% Mobile Bill Pay 30% 24 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
25 25 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
26 26 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
27 27 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
28 28 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
29 29 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
30 30 Source: JPMorgan Chase; Investor Day Presentation; Consumer & Community Banking Feb 24, 2015
31 more customers more deposits lower expenses + better retention = good 31
32 32 +
33 + Products are more important than ever 33
34 If you re not going to compete on the technology front, you re going to be in trouble. Customers are going to tell you how they want to bank. John Ikard, CEO 34
35 + Evolving Marketing Methods 35
36 Old School TV Radio Billboards Print Ads Telemarketing Direct Mail Banner Ads New School Google AdWords Mobile Facebook Twitter Instagram Youtube Retargeting Location awareness ibeacons Mobile wallets 36
37 Most influential sources for banking shoppers Branch visit 69% Friends/Family 61% Phone call with service rep 61% Online comparison shopping 57% Bank website 47% Online search engine 35% Brochure 31% from bank 30% Online reviews 27% Online ads 21% Direct mail TV ad 20% 1% 37 Source: Google, Zero Moment of Truth Study - Banking
38 38
39 39
40 Google Search Trends Bank vs Credit Union Bank Credit Union
41 Google Search Trends Checking Account vs Mobile Banking Checking Account Mobile Banking
42 Google Search Trends Donald Trump vs Hillary Clinton Hillary Clinton Donald Trump
43 43
44 Poll Question #1 Does your CU use paid search or google ad words? 44
45 Mobile Searches > Desktop Searches 45 Source: Google, May 2015 Press Release
46 There s a test for that April!21,!2015! 46
47 Top!10!CUs!! 4/10!! PASS!! 47
48 Top!10!Banks!! 10/10!! PASS! 48
49 ! PASS! 49
50 Poll Question #2 Does your CU have a mobile ready web site? 50
51 + Next Level Transaction Engagement 51
52 People need advice, they just don t seek advice. - Rita Sly, ATB Financial 52
53 53
54 54
55 55
56 56
57 57
58 58
59 < MOVEN 10:09 PM BALANCE $ How much do you want to save? $ SAVE! 59
60 60
61 61
62 62
63 63 We!think!within!10! years!we ll!have!killed!off! the!checking!account,! savings!account,!credit! card,!overdrag,!and! cerhficate!of!deposit.!! BreM!King! CEO,!Moven!
64 Poll Question #3 Does your app have instant transaction notifications? 64
65 + Apple Pay 65
66 66
67 67
68 Poll Question #4 Does your CU have apple pay? 68
69 69
70 70
71 71
72 Calling a girl s house TV Guide Magazine Boom box What it s like to be lost Floppy disk Bag phone Dial up internet Mix tape Rotary phone Develop a roll of film Encyclopedia They think they invented Bill Murray 72
73 73 The Venmo Line
74 That moment when everyone over 40 in the office suddenly realizes that everyone under 30 lives in a different universe 74
75 75 Just venmo me.
76 76
77 77
78 78
79 People don t use it because of the social aspect, they use it because it s a useful way to pay each other back. But the social part can be a joke, or sort of an status update. 79
80 Like if my lazy roommate didn t pay his hunk of the power bill, I can charge him on the app and it ll push onto his phone. That s more useful than the social part. 80
81 81
82 82
83 83
84 +! Next Level Lifestyle Engagement 84
85 2015 Planned Features Category $10B+ $1B-$10B $500m to $1B <$500m Merchant Funded Offers 60% 29% 27% 27% Daily Deals 53% 20% 17% 11% Mobile Purchase Receipts 40% 27% 16% 21% Car shopping app 40% 17% 20% 32% Home buying app 40% 17% 27% 30% Non-financial product recommendations Shopping price comparison Non-financial product reviews 38% 5% 3% 13% 27% 5% 0% 8% 27% 5% 3% 10% 85 Source: Ron Shevlin, Aite Group. Activity Based Marketing: The Future of Mobile Marketing in Banking
86 Our customers continue to tell us how important it is to save money while they shop. - August 14, 2012 Press Release 86
87 87
88 88
89 89
90 Poll Question #5 Does your CU have coupons or shopping tools? 90
91 91
92 Sponsored by Encore Webinar September 24 catalystcorp.org Click on Upcoming Events
93 93 Questions?
94 Dave DeFazio Partner Twitter
95 Poll Question Response Sheet Does your CU offer/use? 1. Paid search or Google Ad Words Yes No Implementing Now! I want the poll results! I want the slides! I want the free research videos! I want a free trial-code for the BaZing shopping app Optional Info. Not required to participate in the poll questions 2. Mobile ready web-site Name: 3. Instant transaction notifications Title: Credit Union: 4. Apple Pay City, State 5. Coupons/ shopping tools Phone:
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