mobile and online integration
TRANSCRIPT
RISE OF THE MULTI-SCREENERSDesktop, Laptop, Tablet, or Smartphone? It Shouldn’t Matter…
Stephen BohanonAlkami TechnologyFounder, Chief Strategy & Sales Officer
What is “Mobile First” ?
Mobile first is an approach to business process and technology that assumes smartphones, tablets and task-specific apps are the primary tools for getting work done.
Multi-Screeners vs. Mobile First
90% own a Smartphone
30% own a Tablet
The number of desktop-only consumers dropped below mobile users for the first time in 2014.
It’s True…“Desktop-Only” is Dying
Desktop still leads…why?
Lack of functional parity on Mobile• Statements• Stop Pay• Check Re-order• Applications• PFM• Message Center
– Cumbersome to type on mobile
Screen Real Estate• Consumers choose the best screen for the function
– Easier to scan a 15” screen with your eyes then thumb through 4+ pages on mobile
Total Logins: Desktop & Mobile Available
68%
32%
Desktop
Mobile
“Rumors of my death have been greatly exaggerated.”
Consumers prefer mobile for it’s convenience while “on the go”, but given the choice, the BIGGEST SCREEN RULES!!
Which screen do you prefer?
for editing photos
Which screen do you prefer?
for watching videos
Which screen do you prefer?
for shopping
Which screen do you prefer?
for sports
Samsung unveils 110” HDTV
Consider this…
The same company investing heavily in tablets, smartphones and wearables- just launched the world’s largest TV.
But, what about Mobile First?
http://www.howtogeek.com/199483/tablets-arent-killing-laptops-but-smartphones-are-killing-tablets/ http://www.howtogeek.com/183381/are-pcs-dying-of-course-not-heres-why/
But, what about Mobile First? March 2012 – April 2015
Since 2012, the rapid adoption of the smartphone and tablet led to a sharp decline in % of page views owned by the desktop.
Desktop:92% to 65%
Tablet:0% to 9%
Smartphone:9% to 26%
But, what about Mobile First? March 2014 – April 2015
As mobile and tablet adoption has reached market saturation, device type access has normalized as consumers are now multi-screeners
Desktop:70% to 69%
Tablet:10% to 9%
Smartphone:22% to 24%
What then, if not Mobile First?
Device Agnostic
What is Device Agnostic? Device Agnosticism takes into account…
Technology environments:
• Various Operating Systems
• Hostile Browsers
• Slow Connection Speeds
• Tiny Screens
• Touch Inputs
The User’s Context:
• The amount of time they have/need
• The goal they want to accomplish
• Their location
• Their attitude and state of mind
+
Context Drives Device ChoiceMulti-Screeners own multiple devices and move seamlessly between them throughout the day
Source: Google, The New multi-screen world study
A Singular Digital Banking Platform
For Digital Banking, Device Agnosticism Requires a Singular Platform
Desktop, Laptop, Tablet or Smartphone?...It shouldn’t matter
Typical CU Digital Banking Solution
Online Banking Mobile Banking
Desktop / Laptop
Mobile
Payments PFM Statements CardCore Business RDC
LegendShape = FunctionColor = User Experience
Separate Systems for Online and Mobile Banking
Typical CU Digital Banking Solution
Online Banking Mobile Banking
Desktop / Laptop
Mobile
Payments PFM Statements CardCore Business RDC
LegendShape = FunctionColor = User Experience
Separate Systems for Online and Mobile Banking:
• Disjointed User Experience• Disparate Functions Based
on Device• Splintered Roadmap
Singular Digital Banking Solution
Digital Banking Platform
Desktop / Laptop
Mobile
Payments PFM Statements CardCore Business RDC
LegendShape = FunctionColor = User Experience
Phase 1: UX and Functional Parity
Digital Banking Platform
Desktop / Laptop
Payments PFM Statements CardCore Business RDC
Mobile / Tablet
LegendShape = FunctionColor = User Experience
Phase 2: Expand Products and Services
Digital Banking Platform
Desktop / Laptop
Payments PFM Statements CardCore Business RDC
Credit Insurance Brokerage Card Services Wealth Mgmt. Account Opening
Mobile / Tablet
LegendShape = FunctionColor = User Experience
Integrated Bill Pay ExperienceBenefits of a Single Platform
Seamless, Intuitive User Experience• Familiar Design• Integrated Security• Consistent Personalization Settings
Effective Marketing• Target marketing to users regardless of
device• Marketing based on device access• Push Notifications
Functional Parity• Eliminates functional disparity based on
device, browser, etc.• No more “you have to use….. to do that”
Better Service• Employees have access to 360 view• Eliminates “Which browser? Which device?”• Co-browsing/View As User across channels
Integrated Bill Pay ExperienceExample: Intuitive Design
Zone 1
Zone 2
Zone 3
Example: Intuitive Design
Zone 1
Zone 2
Zone 3
Example: Intuitive Design
Example: Rewards Checking
Example: Mobile Card Controls
Example: Desktop Card Controls
Example: Marketing & Content
Q & A