imaginbank November 2017

Transcription

1 November 2017

2 Environment New generation: Millennials A segment that needs another kind of bank. 40% 72% of young people would consider using a 100% digital bank, with no branches of young people would be willing to enter into a banking relationship with non-financial newcomers New technologies They facilitate interaction and an understanding of finance. Biometrics easier access Big Data this displays more information on a screen for easier understanding Leader in multichannel strategy Online banking: European leader 9.6 million customers 33% market share Mobile banking: Global leader 4 million customers 100 million+ transactions/month 100% mobile penetration NFC payments Continuous innovation in new services Awards for innovation BAI Finacle / Euromoney / Global Finance / Retail Banker International / EFMA 2

3 Environment The world is mobile. In Spain 94 % Mobile penetration among yearolds 9 out of10 have at some time used a mobile during the shopping process 100 % of those who connect to the Internet also do so using their mobile (82% from a The number of mobile telephones has exceeded the number of people in the world 3

4 A response to the new reality Mobile only 0 With no fees or commissions With no branches Specific products and services Its own language: simple and clear 4

5 Onboarding 100% online Onboarding Make use of technology to build an onboarding process that has no interruptions and is instantaneous Lead Personal information Video call KYC Fill in the form Contract and signature Use account Process in under 7 minutes 5

6 Link Registration with basic products Linking plan Account with no fees or commissions Debit card with no fees or commissions A link is created with the client through a communication protocol that aims to achieve the strongest ties possible with the customer which will result in capturing their income. Detects the device and offers Brings money Activat es card Discovers services Brings earnings/ salary Brings bills NFC Mobile payments (HCE) Without NFC Contactless wristband/sticker 6

7 Day to day Categorisation of outgoings This allows customers to have a global and visual overview of their expenses and income by accounting for all their account movements and grouping them according to category Budgets Customers can create spending budgets for each category, see how their spending changes... Notifications Customers receive and can configure and personalise alerts to manage their money the way they want PLUS App for smartwatch and widget for ios 7

8 Day to day Send money via Siri Customers with iphones can send money using only their voice, via Siri screen imaginboard This is for sending and receiving money to or from a contact (from 0.50 to 500) using any messaging app Withdrawal with a code Mobile payments (HCE) Generate code on the app to use it at any ATM and withdraw money without a card. It can also be shared with another person. If the customer's device has NFC technology, they may pay using their mobile. The card is also available in contactless wristband or sticker format. 8

9 1-Click shopping imagin&go Instant finance up to 15,000 Credit card Credit cards for customers with pre-approved credit My Goals Creation of personalised savings goals with periodic or one-off contributions as well as alerts Shopping with Compra Estrella Sales of non-financial products to imaginbank customers from the app (through an imagin&shop loan or debit card) imagin&buy insurance Insurance associated to an imagin card which covers online shopping, tickets to shows and the theft of their mobile My goals on Apple TV Through the imagin App the customer will be able to interact with their TV in order to check their money and add money to their goals 9

10 Engagement The app's new features with an invitation to rate them Comparison of ratings at stores Effects on ratings Practical and quick. With its impeccable interface, it is a very convenient way to manage your account I love how it distributes the month's expenses into categories, that way I can have absolute control of what I spend ,

11 Awards In its first year of operations, imaginbank has obtained international awards. Gartner Awards Category: Most Innovative Digital Business Model The Banker Awards Category: Mobile Retail Banker International Awards Category: European Retail Bank of the Year to CaixaBank for projects such as imaginbank Actualidad Económica Awards The best 100 ideas of the year imaginbank: App 11

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