0. Innovations in Mobile Financial Services
MIL-CLJ /PL
Innovations in Mobile Financial Services
Radek Jirka, UniCredit Bank Czech Republic and Slovakia, a.s.

1. UniCredit Group at glance
17 countries
40 mio customers
9.000 branches
employees
Number ONE in CEE

2. Innovative mobile services play important role in successful expansion of UniCredit Bank in Czech Republic and Slovakia
Strong expansion of branches
& franchises network
New UniCreditShop.cz
Growth of brand awareness
New generation of ATM´s
Modern & innovative mobile services

3. Mobile banking development on Czech market
User popularity
App
mBanking & mToken
Mobile
WEB
GSM Banking
(SIM Toolkit)
JAVA Banking
SMS Banking
2000
2002
2005
2008
2011
2014
Time

4. penetration rate in Europe 2013
Smartphones are pushing and tablets are following…
57%
smartphone
penetration rate in Europe 2013
Source: StatCounter, GlobalStats
More
tablets
vs.
PC Shipments in 2014
Source: Tech-Thoughts

5. Finances follow the trends
64%
of mobile users worldwide currently utilize some form of mobile banking
Source: Carlisle and Gailagher Consulting Group

6. In today´s multi-platform environment many people consume content on the go using differnet devices troughout the day
Source: ComScore

7. Mobile banking - around 70% of banks
Mobile banking is just beginning
Mobile banking - around 70% of banks
offer some form of mobile financial services
mToken - verified by regulators and banks as best suited
Personal finance manager - new tool
how increase cross sell and up-sell
mPayments - banks, telco´s and merchants
significantly invest
mCommerce - new way how to make aquisitions via
mobile phone
mLoyalty - new possibilities how to increase customers
loyalty

8. It should be single app…

9. Smartphones between other payments method
anytime & anywhere
Mobile
payments
Smart Banking
Cards
Internet banking
slow
quick
Bill
Cash
at this moment 9 9

10. Retention Cross-sell/up sell Acquisition channel? Where is the value
Pre-login functions (FX conversions, calculators, …)
Location based services (ATM/Branch finders, Merchant offers,…)
Camera (QR codes)
Transactions (P2P)
mToken
Cross-sell/up sell
Term deposit opening
Top-up/Recharging
Sales of preapproved lending products
Leads to sales
Acquisition channel?
Current acounts opening (full online)
Saving accounts opening (full online)
Prescored leads for:
consumer loans
credit cards
mortages

11. The balance is delicate….
Clients demand security - Integrate mToken

12. Case study: mToken - how to combine more channels together
1app
Smart Banking
&
mToken

13. Multi-channel strategy moves from branch centricity to customer centricity
mBanking & mToken
Web & Online Banking
Branch
Contact Center
ATM´s

14. New age of direct banking …combination of more channels together
Online Banking as "aircraft carrier" for mobile services Smart Banking and mToken as " fighter planes" always available…
Online Banking
Smart Banking
&
mToken

15. Smart Banking - new innovative gesture navigation

16. mobile phones on Czech market
About mToken
mToken is a simple application in the mobile phone through which you can generate unique codes
both for your login and signing payments in Online Banking.
+80%
mobile phones on Czech market
Which mobile phones allow mToken?
– Android,
– iOS
– BlackBerry
– or other mobile phones with Java support
Current Online Banking offer:
SMSToken
mToken
HW Token

17. mToken easy activation
New customer
on branch
Bank system generate
2 SMS
Current customer via Online Banking
Customer
input activation code
Use
mToken
Online Banking generate
2 SMS

18. mToken functions OTP Login code OTP code for transaction sign
QR OTP code for transaction sign
This code you can also use for remote identification in Call Center
Sign one or more transactions at once
After QR scan in Online Banking client will get all transaction details into app in mobile phone

19. Mobile devices have taken banking to the streets.
Summary
Mobile devices have taken banking to the streets.
The need to pay, enquire and transfer funds P2P
‘on the go’ is evolving, especially with Y generation.
This need will be met by the Banks or someone else…

20. Thank you.