SOON

The new bank

100% mobile, 100% useful

100% intuitive

A co-creation between AXA Banque and

CH&Cie

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Soon, fueled by CH&Cie insights

The digital revolution brings a completely new User

eXperience, also in banking.

Inspired particularly by American players such as

Simple, Moyen, Bluebird etc.., the new banking

services make the bank useful and intuitive, as part

of the user’s daily life.

Through our international reach, we were able to

identify, test, and nominate interesting innovations

to propose to AXA Banque afterwards.

The Soon revolution

Soon is a banking revolution to many extents: new

customer experience, a package integrating a

bunch of services, 100% mobile (including the

account opening), a new approach (lean start-up),

and a focus on simplicity and design.

Soon changes the client-bank relationship,

providing a complitely new experience.

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Our role:

Chief Launch Officer

CH&Cie worked along with AXA Banque on Soon since the

project’s genesis, providing benchmarks, ideas and

brainstorming with AXA Banque teams in order to

implement it.

Our in-house innovation lab allowed us to identify

interesting initiatives very early, drawing on feedback from

first-hand experience.

Our international connections enabled us to spot and select

the best partners to design and build a disruptive offer.

From the development to the commercial launch, CH&Cie

coordinated work among all stakeholders, in an “innovation

catalyst” approach.

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Focus on the user experience

Soon offers an entirely new, use-centric

customer experience. The user controls

expenses, tracks bills, and plans projects

in a simple and fun way, with a little

nudging.

Our methodology Lean Start up by CH&Cie, a disruptive

approach in consulting

The design: a key element

of the offer

The design is sleek, simple, and intuitive in

an effort to make the bank as straight-

forward, enjoyable and attractive.

The bank statement turns into a timeline

collecting memories, with photographs

and comments.

Saving is linked to projects, with photo

and planning.

We developed a methodology inspired from the Lean Start-up

process:

• A limited time spent on scoping, a focus on action and project

launch (“Effectuation” approach)

• A small multidisciplinary team to generate innovation while

reducing costs and time-to-market

• A “test and learn” mindset: a very early encounter with the

market favoring prototypes and beta-versions to theoretical

analysis

Our expertise

We rely on our global footprint to identify new innovations in

financial services and capture the latest trends of User

eXperience.

CH&Cie is an expert at managing digital projects. Our

consultants benefit from strong knowledge of mobile, web and

social network technologies acquired notably from pure players

and start-ups.

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The first bank

100% mobile, 100% useful,

100% intuitive

Main Soon features

Projects

Budget

Projected spending

Collect bills

Paypal

Chat

Safe-to-spend

Timeline

Soon, integrated by CH&Cie

CH&Cie role was essential in the design of the UX and the scoping of Soon functionalities. Based on

international footprint, we leveraged on the different successful initiatives and integrated them in a consistent

UX.

We managed the project from start to finish, with a strong leadership on the UX, as the cornerstone of the

new offer. Our ability to drive a team gathering several service providers makes the consistency of the offer.

Our sector-specific focus enabled us to mobilise the necessary skills to launch Soon (regulatory compliance,

risk management, back-office and operations, customer relationships, etc…).

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Soon customer experience Soon, recognized as a break-through by the industry leaders

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Demo at Finovate London 2014 – click here

Presentation at the EFMA Banking on innovation in Barcelona, 2014 – click here

Radio show – Breaking Bank – March 2014 – click here

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With Soon, we wanted to reinvent day-to-day

banking but also the customer-bank

relationship, using smartphone capabilities.

It was also the opportunity to innovate in our

way of working, and to demonstrate that even

a big firm such as AXA can handle projects like

a start-up.

We selected CH&Cie to help us because they

truly believed in the project,

Contact CH&Cie Patrick BUCQUET, Founder & Partner

pbucquet@chappuishalder.com

Mobile (France) : +33 6 33 28 70 50

www.chappuishalder.com

http://twitter.com/chappuishalder

About CH&Cie

Chappuis Halder & Cie is an international

consulting company specialising in

Financial Services.

Our unique positioning allows us to deliver

a global offer to our clients through cross-

fertilization of both business (Retail, CIB,

Insurance, Commodities) and functional

(Digital, Risk modeling, etc.) expertise.

CH&Cie, innovation catalyst for AXA Banque

they were more than consultants but real partner

Throughout the project, the commitment of

CH&Cie was essential to the success of Soon. With

a solid understanding of the banking business, a

clear vision of innovation and strong

competencies in project management, CH&Cie

was the ideal partner for us.

Raphaël Krivine

Director of the Soon project , AXA Banque