Financial Innovation

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Information about Financial Innovation
Business

Published on October 18, 2009

Author: dpereira

Source: slideshare.net

Description

Financial Innovation Summit 20 & 21 November 2008 at Hotel Pulitzer Amsterdam

Finnovation 2008

YOUniverse

Social Networks

High growth rate of Social Networks The same aggregate traffic as Google Social Network Comparison (comScore U.S.)

Customer in Control MAGAZINES 14,703 articles daily RADIO 327k of daily hours airtime MOBILE PHONE SUBSCRIBERS 388 million hours daily ITUNES VIDEOCASTS 200 hours daily ITUNES PODCASTS 2,000 hours available daily BLOGS 1.2 million created daily NEWSPAPERS 72,800 daily columns TV 42,000 hours daily EMAILS 1.8 billion sent daily ONLINE SEARCHES 200 million daily MYSPACE 50 million daily visitors VIRTUAL WORLDS 672 hours daily INSTANT MESSAGES 5 billion daily TEXT MESSAGES 260 million daily

Consumers never walk alone

The Environment Has Changed ■ Percent of ad spending on each media type in 2007 ■ Percent of total media time individuals spend with each media type in a typical week Base: US adults In a Typical Week, How Many Hours Do You Spend Doing the Following? Source: Forrester Research, 2007

universal search

Actual behavior best predictor for sales

What does this mean?

Old school BtC

BtC

New reality BtC => BtC + CtC

BtC =>

BtC + CtC

C2C is about customers sharing experiences

C2C is about Social Marketing Source: Forrester Research, 2007

Our strategy

The beauty of a simple strategy N = 1 R = G

N = 1

R = G

Any Colour…So Long As It’s Black – T-Ford N = 1 R = G One unique co-created consumer experience at a time based on highly differentiated customers WE Resources (R) come from a wide range of suppliers (G=Global) SNS Bank is in the business of distributing and designing ultra-personalized services (N = 1) and creating new ones from different building blocks. These building blocks do not necessarily come from our own factory (R=G).

N = 1

R = G

Do you consider your product a commodity?

Do you consider tyres a commodity?

Cyber Tyre – the first tyre memory The latest development from Pirelli Tyre Systems is Cyber™ Tyre . As a result of this system, which provides the tyre with actual 'memory,' the onboard computer of a car communicates information relative to the operational condition of the cover to the user in real time. BMW's ConnectedDrive allows for Internet access Program your BMW with Google Maps 1 2 3 Google Maps introduces Street View From one single transaction towards a continues customer relationship and feedback

Website: www.milemeter.com

Teensurance offers parents the ability to monitor their teenage children's behaviour on the road based on a GPS tracking device . Website: www.teensurance.com

Website: www.tomtom.com / www.deltalloyd.nl

A case study SNS Bank introduces Budget Mortgage

Inspired by Easyjet – the ‘no frills’ airline Situation of ‘over-served customers’ Unique combination of price, quality and ease of purchase Not identical to a low cost strategy (discounter) Catering (pay for extras) Only 1 class (no business class) E-ticketing Optimising the Internet Extreme short return times More time in the air is more profit

Situation of ‘over-served customers’

Unique combination of price, quality and ease of purchase

Not identical to a low cost strategy (discounter)

Catering (pay for extras)

Only 1 class (no business class)

E-ticketing

Optimising the Internet

Extreme short return times

More time in the air is more profit

SNS Bank – the ‘no frills’ mortgage provider

Collabaritive Innovation Date of Introduction: 1 st of April 2008

Being there were the customer is

Make it personal

Call to action

Don’t make me think

Call me now

Instant chat with your personal advisor

Make me an offer I can’t refuse

You’ve got mail

Test & targeting

Double digit growth in lead conversion

Personalisation: origin as a starting point Without personalisation Origin

Personalisation: origin as a starting point Origin With personalisation Spaar extra voordelig Bestel Nu

[email_address]

 

 

 

 

 

 

Contact Information: [email_address] Tel.: +31 6 12 50 95 16 www.linkedin.com/in/dennispereira

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