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Retail bank of the future

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Laurent Haug
Laurent Haug

Short presentation on the future experience of retail banking. Most of these services exist today, I just put them side by side to show how clients will flow in the near future. Disclaimer: via my activities as a Venture Partner at Anthemis Group, I have indirect connections with some of the companies presented. Learn more on Anthemis on www.anthemis.com

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The retail bank of the future? Laurent Haug 59 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS My bank statements will look like a twitter timeline, an interface that works both on mobiles and desktop computers. Laurent Haug 60 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://holvi.com 61 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS I can add metadata to each transaction, upload pictures or files, the name of the other part of the transaction is clickable and I can see a history of my relationship with them. Laurent Haug 62 15 March 2013
// WIRED ---> MOBILE Laurent Haug www.square.com 63 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS I can share my accounts entirely or only selected transactions by circles, and decide what is available to whom. Laurent Haug 64 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 65 15 March 2013
I can connect a third party system to visualize my assets. I can filter and analyze my expenses for all my accounts in one place, including online assets like Facebook credits or miles. Laurent Haug 66 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.bankin.com 67 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.linxo.com 68 15 March 2013
I can see my cashflow updated in real time, taking into account recurring expenses or upcoming incomes like salaries. Laurent Haug 69 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug https://simple.com/ 70 15 March 2013
Algorithms help me make decisions on assets allocation, and reach savings goals. Laurent Haug 71 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.betterment.com 72 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 73 15 March 2013
I can interact with my account manager or family members directly inside the application, exchanging messages and files securely. Laurent Haug 74 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.blueleaf.com 75 15 March 2013
My credit rating takes into account my online reputation (ebay seller ratings, peerindex ranking, etc) and I can get immediate quotes on services like insurance or credit. Laurent Haug 76 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.kabbage.com 77 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.climate.com 78 15 March 2013
I can connect to third party services to accept payments in local or foreign currencies. Laurent Haug 79 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug iZettle 80 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://connect.thecurrencycloud.com/ 81 15 March 2013
I can follow what other people are trading, and let others manage my portfolio by copying their trades. Laurent Haug 82 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.etoro.com 83 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 84 15 March 2013
The data I generate is analyzed to create recommendations and insights. I get custom offers based on my past purchases directly in my ebanking. Laurent Haug 85 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.bundle.com 86 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Cardlytics enables banks and retailers to target customers in a very precise way, based on their prior purchases. So, for example, if you use your card to buy a Big Mac Meal from McDonald’s, a promotion for Burger King could well feature under that item on your online bank statement. The offers can actually appear beside transactions, in a dedicated area on the transaction page, or on a standalone rewards-summary section. Laurent Haug Source 87 15 March 2013
I can interact with my bank using any medium I want. Laurent Haug 88 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Bain & Company, 'Customer Loyalty in Retail Banking'? 89 15 March 2013
I can use alternative and local currencies to transact on my accounts. Laurent Haug 90 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.telegraph.co.uk/finance/currency/9552347/Bristol-launches-citys-local-currency.html 91 15 March 2013
// CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.ladepeche.fr/article/2012/02/24/1291204-succes-inattendu-pour-le-sol-violette.html 92 15 March 2013

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Retail bank of the future

  • 1. The retail bank of the future? Laurent Haug 59 15 March 2013
  • 2. // CLOSED SYSTEMS ---> OPEN PLATFORMS My bank statements will look like a twitter timeline, an interface that works both on mobiles and desktop computers. Laurent Haug 60 15 March 2013
  • 3. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://holvi.com 61 15 March 2013
  • 4. // CLOSED SYSTEMS ---> OPEN PLATFORMS I can add metadata to each transaction, upload pictures or files, the name of the other part of the transaction is clickable and I can see a history of my relationship with them. Laurent Haug 62 15 March 2013
  • 5. // WIRED ---> MOBILE Laurent Haug www.square.com 63 15 March 2013
  • 6. // CLOSED SYSTEMS ---> OPEN PLATFORMS I can share my accounts entirely or only selected transactions by circles, and decide what is available to whom. Laurent Haug 64 15 March 2013
  • 7. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 65 15 March 2013
  • 8. I can connect a third party system to visualize my assets. I can filter and analyze my expenses for all my accounts in one place, including online assets like Facebook credits or miles. Laurent Haug 66 15 March 2013
  • 9. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.bankin.com 67 15 March 2013
  • 10. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.linxo.com 68 15 March 2013
  • 11. I can see my cashflow updated in real time, taking into account recurring expenses or upcoming incomes like salaries. Laurent Haug 69 15 March 2013
  • 12. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug https://simple.com/ 70 15 March 2013
  • 13. Algorithms help me make decisions on assets allocation, and reach savings goals. Laurent Haug 71 15 March 2013
  • 14. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.betterment.com 72 15 March 2013
  • 15. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 73 15 March 2013
  • 16. I can interact with my account manager or family members directly inside the application, exchanging messages and files securely. Laurent Haug 74 15 March 2013
  • 17. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.blueleaf.com 75 15 March 2013
  • 18. My credit rating takes into account my online reputation (ebay seller ratings, peerindex ranking, etc) and I can get immediate quotes on services like insurance or credit. Laurent Haug 76 15 March 2013
  • 19. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.kabbage.com 77 15 March 2013
  • 20. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.climate.com 78 15 March 2013
  • 21. I can connect to third party services to accept payments in local or foreign currencies. Laurent Haug 79 15 March 2013
  • 22. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug iZettle 80 15 March 2013
  • 23. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://connect.thecurrencycloud.com/ 81 15 March 2013
  • 24. I can follow what other people are trading, and let others manage my portfolio by copying their trades. Laurent Haug 82 15 March 2013
  • 25. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug www.etoro.com 83 15 March 2013
  • 26. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Source 84 15 March 2013
  • 27. The data I generate is analyzed to create recommendations and insights. I get custom offers based on my past purchases directly in my ebanking. Laurent Haug 85 15 March 2013
  • 28. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.bundle.com 86 15 March 2013
  • 29. // CLOSED SYSTEMS ---> OPEN PLATFORMS Cardlytics enables banks and retailers to target customers in a very precise way, based on their prior purchases. So, for example, if you use your card to buy a Big Mac Meal from McDonald’s, a promotion for Burger King could well feature under that item on your online bank statement. The offers can actually appear beside transactions, in a dedicated area on the transaction page, or on a standalone rewards-summary section. Laurent Haug Source 87 15 March 2013
  • 30. I can interact with my bank using any medium I want. Laurent Haug 88 15 March 2013
  • 31. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug Bain & Company, 'Customer Loyalty in Retail Banking'? 89 15 March 2013
  • 32. I can use alternative and local currencies to transact on my accounts. Laurent Haug 90 15 March 2013
  • 33. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.telegraph.co.uk/finance/currency/9552347/Bristol-launches-citys-local-currency.html 91 15 March 2013
  • 34. // CLOSED SYSTEMS ---> OPEN PLATFORMS Laurent Haug http://www.ladepeche.fr/article/2012/02/24/1291204-succes-inattendu-pour-le-sol-violette.html 92 15 March 2013