money and mobile: swedbank
DESCRIPTION
What fits into a mobile related to a bank? What should an entrepreneur or a developer consider when making business in the Baltics? How does a bank link work?TRANSCRIPT
![Page 1: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/1.jpg)
© Swedbank
Money and Mobile: SwedbankErkki Saarniit, Head of E-Channels Operations, Swedbank
![Page 2: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/2.jpg)
© Swedbank
What fits into mobile?
![Page 3: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/3.jpg)
© Swedbank
What fits into mobile? Today?
3
Picture: www.clickaphone.co.uk
App: account balance, quick
overview
Calls to bank
SMS notifications
![Page 4: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/4.jpg)
© Swedbank
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
![Page 5: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/5.jpg)
© Swedbank
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
![Page 6: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/6.jpg)
© Swedbank
For entrepreneurs...
![Page 7: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/7.jpg)
© Swedbank 7
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
![Page 8: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/8.jpg)
© Swedbank 8
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.
![Page 9: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/9.jpg)
© Swedbank 9
How bank link looks like in mobile?
![Page 10: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/10.jpg)
© Swedbank
For developers...
![Page 11: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/11.jpg)
© Swedbank 11
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
![Page 12: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/12.jpg)
© Swedbank
Any other cool stuff?
![Page 13: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/13.jpg)
© Swedbank 13
• 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
![Page 14: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/14.jpg)
© Swedbank 14
![Page 15: Money and Mobile: Swedbank](https://reader036.vdocuments.us/reader036/viewer/2022062303/556849c0d8b42a73038b468d/html5/thumbnails/15.jpg)
© Swedbank
Thank you!
Questions?
Find me later or contact me:Erkki [email protected]+372 888 7192
http://www.linkedin.com/in/erkkisaarniit