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Banking from a Product Development Perspective All you need for a successful mobile strategy

John Doxaras, CEO Warply

Mobile & Banking Landscape

Wallets

Customer Experience

Data

Warply

Who we are

64 7 260% 42

Team members

Employees and partners around the world

CountriesThat we are currently

operating, including Greece Cyprus, India, UAE, Romania and Italy

GrowthYear over year, during the last

four consecutive years

ClientsFrom fast growing sectors, such banking, retail, travel

and operators

Suppliers InsuranceRetailBanking

Industries

Ordering PublishersOperatorsGames

ISO 27001Certified for followinginformation security

management system standards

PCI - DSSCertified for following Information security

standards

VISAVisa cloud

development partner

Mastercard MasterCard cloud

development partner

Certifications

Analyse insights And take optimisation actions based on automated proposal

Monitor performance From ready made analytics and custom dashboards

Connect you digital assets Incorporate tracking and event scripts to websites, add Warply SDK to mobile apps and connect to beacon devices

Use events as criteria when you create target audience

ance Retail

Warply Engage Real Time

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Largest Premium Mobile Ad Network in Greece

3M  unique  devices

250M  impressions

Mobile Landscape

Wallets

Customer Experience

Data

Warply

Mobile & Banking Landscape

Warply

Mobile statistics

Mobile App UsageNew apps

Mobile orders, transactions and booking per day

85%

35%

Mobile App UsageSocial

Mobile App UsageMessaging

20% 35%

Of mobile Time is spend on apps

Web traffic from mobileApp usage in ages 45+

Native apps x6Brand

Favourability

15%

60% 65% 15K

Time spent (per adult per day) on mobileH

ours

2

3

5

6

2008 2009 2010 2011 2012 2013 2014 2015

2.8h2.6h2.3h1.6h

0.8h0.4h0.3h0.3h 0.4h0.3h0.3h0.3h0.3h0.4h0.3h0.2h

2.4h2.4h2.3h2.5h2.6h2.4h2.3h2.2h

Desktop / Laptop Other connected devices Mobile

Mobile landscape

47% smartphone penetration

44% usage of mobile data

72% of millennials are either unbanked or do not like banks

2.2h/day per user @ mobile

80% of time spent on apps (app or web)

45’ spent per day on messaging apps

Regulation

>SEPA PSD II

Disruption ? Not really!

regulationPFM

Remittances

Invoicing

Blockchain

banking

direct    insurance

funding

micro-­‐financing

opportunity?

factoring/  money  transfers/  investment  banking

PSPs Data/Financial  Products

BaAll you

Mobile & Banking Landscape

Wallets

Customer Experience

Data

Warply

War of Wallets

What really is a wallet ?

Customer journey and brand presence

Mobile & Banking Landscape

Wallets

Customer Experience

Data

Warply

Loyalty schemes

Collection Loyalty logic

Redemption Communication & Campaigns

Reward the customer for his overall relationship with the bank Enrol the whole customer database Build strong partners network Apply virtual currency with elastic collection and redemption rates Personalisation and gasification tactics Support with high value content Communication strategy

Loyalty scheme success factors

Reduce churn

Reward behaviour Attract new customer

Cross-sell

Types of Data

1st Party 2nd Party 3rd Party

PII

CRM Manage your customers

Tokenisation & Payments Take advantage of “Warply Pay extension”

Benefits & Coupons Create and delivery eCoupons to your customers

Loyalty Scheme Collection and

Redemption process

Campaign Management Use of “easy to build” campaign

editor and set up communication delivery options

Beacon enabled Move your in-store

experience to next level

Data Provisioning

Receipt data produced during consumer basket checkout at 3rd party merchants

3rd party merchants

Store walk-in data when entering retail stores or ATMs via wifi/ bluetooth beacons

Walk-in dataData produced during electronic payments(POS

EFT existing modules)

POS data

Omni-channel event collection

or import a custom list or customer id, emails or other unique element

Combine targeting criteria from a list of behavioural data, tags, events and other 3rd party data

Select the database to create audience

Get real-time population results

Audiences

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Preview your campaign Check your campaign and the experience

Delivery type Select among email, push notifications, silent notifications and SMS delivery

Input messages Customised messages for different platforms

Overview Set start and end dates, schedule sends outs and target audience

Extract Value

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Preview your campaign Check your campaign and the experience

Delivery type Select among email, push notifications, silent notifications and SMS delivery

Input messages Customised messages for different platforms

Launch Set start and end dates, schedule sends outs and target audience

Automate Communication

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Generate your coupon codes or upload a preset list of couponsSet your validation criteriaDeliver your coupons via mobile or web

Mobile coupons

barcode QR code wireless communication

numeric code input

Pair with terminal to validate

167821

Personalised Rewards

Tokenisation

Customer decides to complete a

purchase

Credit Card details sent to Warply Pay

vault without passing through

merchant

The merchant saves token for this and

any future transactions

Customer enters credit card details

Warply securely saves card details and returns

a token to the to merchant

Mobile & Banking Landscape

Wallets

Customer Experience

Data

Warply

Customer Experience

Wallets

Uberification of Experience

Information Reaches you

Context is king

Emerging UX languages

Use power of AI to understand and respond to human requests

AI detects phrases similar to ones predefined

Deliver your content with no additional effort

Chatbots are the new apps

Handle repetitive routine transactions

Chatbot users get perfectly structure content

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Thank You/warply

@warply /warply

info@warp.ly