Money and Mobile: Swedbank

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Money and Mobile: SwedbankErkki Saarniit, Head of E-Channels Operations, Swedbank

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What fits into mobile?

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What fits into mobile? Today?

3

Picture: www.clickaphone.co.uk

App: account balance, quick

overview

Calls to bank

SMS notifications

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What fits into mobile? Actually today.

4

Picture: www.clickaphone.co.uk

App: account balance, quick

overview

Authentication and signature (mobile-ID)

Payment in internet (mobile bank link or

card)

Calls to bank

SMS notifications

Browser: whole internet bank

Transfer to a friend

E-mails to and from bank

Location based recommendations: ATMs, branches,

discounts

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What fits into mobile? Today/tomorrow.

5

Picture: www.clickaphone.co.uk

App: most of bank stuff

Authentication and signature (mobile-ID)

Payment in a shop

Payment in internet (mobile bank link or

card)

Calls to bank

SMS notifications

Browser: whole internet bank

Transfer to a friend

E-mails to and from bank

Location based recommendations: ATMs, branches,

discounts

Location based offers

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For entrepreneurs...

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Bank link as the most popular payment method in the Baltics

• When having Baltic customers, definitely have a bank link as a payment possibility.

Have some bank’s internet bank agreement, have bank link payment

possibility

1/3 have a card with

online payment

functionality

Have ever used the card for mobile purchases

Have ever used the card for online purchases

1/3 have ever used

banklink for online purchases

Have ever used banklink for mobile purchases

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Expand your audience

• Offer payment options based on the region.• Use as many possible payment options as financially

reasonable.• Offer internationally known payment options – credit cards,

PayPal etc. to attract customers worldwide.

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How bank link looks like in mobile?

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For developers...

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Bank link in the Baltics is easy to implement

• You will need a contract and exchange certificates.• You will need to send and receive packages based on simple

specification.• You should use HTTPS. And a good web server certificate.• You don’t have to do anything in order to look good in mobile.

More information about bank link:

https://www.swedbank.ee/business/cash/ecommerce/banklink/description

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Any other cool stuff?

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• Swedbank’s mobile app on of the most popular apps in Estonia – more than 130 000 downloads.

• More than 200 000 Swedbank customers have a smartphone.• For mobile bank and bank link you don’t have to have an app,

you just need a more or less modern mobile browser.

Fun facts

0

500

1,000

1,500

2,000

2,500

3,000

3,500

Total downloads ANDROID IPHONE

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Thank you!

Questions?

Find me later or contact me:Erkki [email protected]+372 888 7192

http://www.linkedin.com/in/erkkisaarniit