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Banking on the Web October 2014 Panos Lamprakos Industry Manager - Finance

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Greek Trends .gr

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7m Greeks are online

70%

of the Greek Population

40% use a smartphone

10% use a tablet

of Greek Men

91% below 40

40% above 40

of Highly Educated Greeks

55% use a smartphone

90% 65%

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Banking Searches In

dexe

d Q

ueri

es

Source: Google internal data| Apr12 – Aug 14, Growth numbers refer to Q2 2014 vs Q2 2013 delta in searches

Y-­‐o-­‐Y  Search  Evolu/on  (Banking)  

FY2011   FY2012  |  26%   FY2013  |  25%   FY2014  |  32%  

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Banking Sector Brand Barometer

Source: Google internal data| Apr12 – Aug 14, Growth numbers refer to Q3 2014 vs Q3 2013 delta in searches

Inde

xed

Que

ries

Growth Period

+32% in Q3’2014

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5.9% 5.3%

5.0% 4.4% 4.6% 4.6%

4.2%

4.7%

Jan-14 Feb-14 Mar-14 Apr-14 May-14 Jun-14 Jul-14 Aug-14

Brand vs. Generic

Branded Generic

Brand vs Generic

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Generic Searches Deepdive

Source: Google internal data| Jul 12 – Aug 14

Most people are interested in “Καταθέσεις” & “Επενδυτικά Προιόντα”

Inde

xed

Que

ries

Other

e-Services & Web banking

Στεγαστικά Δάνεια

Credit Cards

Καταναλωτικά Δάνεια

Επενδυτικά Προϊόντα

Καταθέσεις

26.2%

23.8%

18.1%

15.6%

7.9% 4.6% 3.7%

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Loan  Searches  on  Google.gr  

Επιχειρηματικά  Δάνεια   Καταναλωτικά  Δάνεια   Στεγαστικά  Δάνεια  

Loans declining for sometime now

Source: Google Internal Data | January 2008 – September 2014

Inde

xed

Que

ries

Declining era

Stability

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In periods of high uncertainty Greeks look for ways to transfer their money abroad

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Greeks look for banking products during office hours

Source: Google Internal Data | Average hourly brand search distribution during regular workdays in 2014

2013-­‐10-­‐14   2013-­‐10-­‐15   2013-­‐10-­‐16   2013-­‐10-­‐17   2013-­‐10-­‐18  

People search for Bank Brands while they are working

Inde

xed

Que

ries

Monday Tuesday Wednesday Thursday Friday

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Mobile Trends .gr

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Mobile Devices will dominate

Source: BI Intelligence

We are here

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Mobile is growing

Source: Google internal data| Apr 12 – Aug 14

Mobile search is accelerating in an amazing pace: Searches from mobile in Aug 2014 are 3x the amount of searches in Aug 2012

Inde

xed

Que

ries

Mobile  Searches  

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Users look for banking & finance info they can act on immediately Mobile users

Base: Respondents evaluating banking and finance category (218) Q. In these cases, how important to you is it that the website let you do each of the following? Source: http://www.google.com/think/collections/gomo.html

Check account balances

77% Get directions or operating hours

65%

Pay bills 51%

Transfer money

51%

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Thank you