ldo 0413 radek jirka unicredit
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La Degustation Online
19.6. 2013
Radek Jirka, UniCredit BankRadek Jirka, UniCredit Bank
Innovations in Mobile Financial ServicesInnovations in Mobile Financial Services
2
Innovative mobile services plays important role in successful RETAIL expansion of UniCredit Bank CZ
Growth of brand awareness
Strong expansion of branches & franchises network
New UniCreditShop.cz
Modern & innovativemobile services
New generation of ATM´s
mBankingmBanking mPaymentsmPayments
3
After internet banking boom mobile banking is comming…
Growth of internet and mobile banking
0%
10%
20%
30%
40%
50%
60%
70%
2000 2004 2008 2012
US Online Baning Usage European Online Banking Usage
US Mobile Banking Usage Eurepean Mobile Banking Usage
Online and Mobile Banking Forecast January 2010 - ecom Advisors modeling and estimates, ComScore Citi bank, Mobile Money ventures
Mobile banking applications are becoming common (in 3 years) x internet banking needed 10 years
Strong growth in financial and banking applications in 2011- 2012 confirmed
Mobile banking is from now not only the complementary channel but could be the competitive advantage
4
Mobile banking development on CZ market
SMS BankingSMS Banking
GSM Banking(SIM Toolkit)
GSM Banking(SIM Toolkit)
JAVA BankingJAVA Banking
Mobile WEB
Mobile WEB
2000 2002 2005 2011
Use
r po
pula
rity
Time
mBankingmBanking
2012
mPaymentsmPayments
5
Multi-channel strategy and customer centricity
New ATM´s
Contact Center
Internet banking
BRANCH AS THEKEY RELATIONSHIP CHANNEL
UniCreditShop.cz
mBanking + mPayments
6
New age for direct banking channels
Online Banking
Smart Banking
Online Banking & mBanking & mPayments
Mobito
7
New Smart Banking + mToken
8
Mobito - cash in your mobile