The age of Customer-Driven Innovation The age of Customer-Driven Innovation. A worldwide tour around top trend initiatives in retail banking. ... Categories: Customer Experience. Physical

CONNECT SHARELEARN

INNOVATE

The age of Customer-Driven InnovationA worldwide tour around top trend initiatives in retail banking

Lukas DzuroskaCountry Manager Nordics, Poland and TurkeyEfmalukas@efma.com

Distribution & Marketing Innovation (Portal & Awards)in Retail Financial Services

Categories:Customer ExperiencePhysical DistributionDigital DistributionCustomer Analytics & Big DataDigital MarketingSustainable Business

Special AwardsBest New Product or ServiceMost Promising IdeaMost Disruptive InnovationGlobal Innovator

The 2015 Awards in numbers

500Innovations

60Nominees

212Institutions

61Countries

10Categories

10 Winners

Online Votes Efma Board members and banking executives

6,000 28

Criteria

UniversalityOriginality Impact

Efma members

Efma members visiting the website (50% of the final rating) and an Innovation Awards Committee composed of Efma Board members and banking executives from all over the world (the remaining 50%) have

voted

1. NominationEfma committee

A selection of nominees has been identified by an Efma Committee after the submission deadline

(September, 7th)

Efma judges

The judges have been evaluate the innovations and rate them on a scale from 1 to 10 taking three criteria into account

2. Vote

+50%

50%

The Awards process

The Awards process – the judges

….a big thanks to all of you!

The Innovation Participation Index

17

23

25

33

29

32

32

33

10839

46

100

203

141

134

58

55

54

51

46

46

33

2524224

18

18

64

How we calculate the index

EfmaInnovation

Index

#Number of innovations

#Number of nominations

x3

#Number of awards won

x5

10. DATA MONETIZATIONWhen all revenue streams slow down, you may still have an ace in the hole

10. DATA MONETIZATIONWhen all revenue streams slow down, you may still have an ace in the hole

CBA I DAILY IQ CITI I CO-BRANDED OFFERS

NEDBANK

MARKET EDGE

9. SOCIAL VALUE CHAINCrowded “to do” list? Let customers do some work for you …

9. SOCIAL VALUE CHAINCrowded “to do” list? Let customers do some work for you …

BBVA BANCOMER I INNOVACHALLENGE MX CBA I SUPPORT COMMUNITY

WIDIBA

BANK CO-CREATION

8. ROBOTFORCEWhen employee proactivity will be just a matter of batteries

8. ROBOTFORCEWhen employee proactivity will be just a matter of batteries

BANK OF TOKYO MITSUBISHI UFJ I NAO ICICI I MACRO

UBS

FUTURISTIC ADVISORY

7. BANKING OF THINGSCustomers were missing banks so much that soon you'll find pieces of banks everywhere

7. BANKING OF THINGSCustomers were missing banks so much that soon you'll find pieces of banks everywhere

US BANK I ORBneXt BRADESCO I CONNECTED CAR

ASB

CLEVER KASH

6. INTERMEDIATE EVERYTHING"Banks will never sell pizza", or at least it’s what they said

6. INTERMEDIATE EVERYTHING"Banks will never sell pizza", or at least it’s what they said

SANTANDER/ CAIXABANK I YAAP CBA I YOUR CONCIERGE

ALFA BANK

SENSE

5. DISTRIBUTED PAYMENTSYou need new excuses to show off your expensive leather wallets

LLOYDS I APPLE WATCH APP RBC I HEARTBEAT BRACELET

5. DISTRIBUTED PAYMENTSYou need new excuses to show off your expensive leather wallets

LA CAIXA

CONTACTLESS BRACELETS

4. THE TALKING TRANSACTIONSYou can say goodbye to the good old times of wild shopping

4. THE TALKING TRANSACTIONSYou can say goodbye to the good old times of wild shopping

MOVEN

IMPULSE SAVINGS

CBA I TABLET APP AXIS BANK I LIME

3. SMALL BUSINESS IS BACK!You can paint black stripes on a white horse, but still you won't get a zebra

3. SMALL BUSINESS IS BACK!You can paint black stripes on a white horse, but still you won't get a zebra

DBS I BUSINESS CLASS SANTANDER UK I FUNDING CIRCLE

DENIZBANK

KUMSAL

2. DIALOGUE AT YOUR FINGERTIPSCalls from mothers-in-law won’t be the biggest RMs’ nightmare anymore

2. DIALOGUE AT YOUR FINGERTIPSCalls from mothers-in-law won’t be the biggest RMs’ nightmare anymore

DENIZBANK I CONTACT FAST USAA I VIRTUAL ASSISTANT

STANDARD BANK

ALWAYS ON

THE RISE OF DIGITAL CUSTOMER PLATFORMSThe last proof that one-size-fits-all applies only to ties

1. THE RISE OF DIGITAL CUSTOMER PLATFORMSThe last proof that one-size-fits-all applies only to ties

BNPP I PROFESSIONELS PLATFORM OCBC I FRANK

IDEA BANK

CLOUD, HUB, ATM

Efma-Accenture Innovation Award 2015Winners and worth mentioning innovations

www.efma.com/innovations

Thanks for your attention

Lukas Dzuroska, Country manager Baltics, Nordics, Poland, Turkey

lukas@efma.com