iko mobile banking and the mobile ecosystem€¦ · in 6 apps of founders • the app-based mobile...
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IKO mobile banking and the mobile ecosystem
Jakub GrzechnikHead of Mobile and Internet BankingDecember 3rd, 2015
„Banking is essential, Banks are not”
Banks are still essential!
PKO Bank Polski at a glance
SME customers449k
Total mobile banking users1.5mn
Users with access to e-banking (incl. SMEs)6.9mn
Corporate segment customers14.1k
Agencies900
Group employment29k
Branches1.3k
ATMs3.2k
Established in
1919TOP 30
European bank by market cap
Mobile application users396k
Retail segment customers (incl. SMEs)8.9mn
Sales channelsand number of operations per month
Branchesand agencies
6.5mn interactions
ATMs
17mn transactions
Internet Banking
24mn operactions
Mobile Banking
114k transactions
The new IKO has a modular architecture which simplifies the process of adding new features
Thanks to participation in Polish Payment Standard IKO hasopened to outer world
Choose your movie on vod.pl
Select BLIK payment (no redirection)
Provide BLIK code, accept the transaction in IKO
Gain instant access to the movie
Meanwhile, IKO was a foundation for the interbank mobile payment standard
20142015
Launching of IKOIKO migration intomobile paymentstandard
Launch of BLIKin 6 apps of founders
• The app-based mobile payment system of PKO Bank Polski,
• One app for POS, eCom, ATM and P2P,
• No need for card usage.
• 6 of largest Polish banksfounded a joint venture called PSP,
• Common standard initiated by IKO.
• The common standard is launched as BLIK,
• It has been incorporatedin mobile banking apps of the founder banks,
• It becomes the domesticpayment standard.
6banks
1
2013
Open API for IKOTwo approaches of cooperation with start-ups
New solutions for IKO IKO payments implemented in newsolutions
IKO payments
New ideas for Future Bankingto improve customer experience
„The whole is more than the sum of its parts.”
Aristotle