mobile is bigger than desktop

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MOBILE IS BIGGER THAN DESKTOP DIGITAALISET FINANSSIPALVELUT 2014 HELSINKI, 30.9.2014 KRISTIAN LUOMA, @KLUOMA OP-POHJOLA / PIVO WALLET

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My talk at the "Digitaaliset Finanssipalvelut" event by Talentum on 30.9.2014.

TRANSCRIPT

Page 1: Mobile is Bigger than Desktop

M O B I L E I S B I G G E R T H A N D E S K T O PD I G I TA A L I S E T F I N A N S S I PA LV E L U T 2 0 1 4 H E L S I N K I , 3 0 . 9 . 2 0 1 4 !

K R I S T I A N L U O M A , @ K L U O M A O P - P O H J O L A / P I V O WA L L E T

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I L O V E M O B I L E

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F I R S T & L A S T D I S P L AY D A I LY

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2 5 0 + T I M E S E A C H D AY

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M O M E N T O F D E S PA I R

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I K N O W W H E N Y O U L O S E Y O U R I N T E R E S T I N M Y P R E S O

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M O B I L E R U L E S

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by @benedictevans

Nearly everyone who reads, will have one.

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L E S S P E O P L E O W N A T O O T H B R U S H T H A N A M O B I L E

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Growth in Finland

51% Q1 2013*

**Google Insights Research 2012

*OP-Pohjola/TNS Gallup research in Q1 2013

Q1 2012**38%Q1 2011**

29% 68% Q3 2014*

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Hungry for new services

Q1 2013*

66% Q3 2014*

53%38%wants to check loyalty

program on mobile(+11% YoY)

wants the receipt on mobile(+4% YoY)

wants to pay with mobile(+6% YoY)

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©TNS 2014

Netin ja nettipalveluiden käyttö valtaa yhä enemmän aikaa suomalaisten hereillä oloajasta.

2

5

7

10

12%

0

25

50

75

100

Kevät 2006,

n=2072

Kevät 2007,

n=2191

Kevät 2008,

n=2202

Kevät 2009,

n=1530

Kevät 2010,

n=1523

Kevät 2011,

n=1552

Kevät 2012,

n=1636

Kevät 2013, n=892

Kevät 2014, n=874

Alle tunti 1 tunti/vko 2-3 tuntia/vko 4-5 tuntia/vkoYli 5 tuntia/vko Ei osaa sanoa Tuntimäärä, ka.

5,46

6,43

7,027,52

8,35

9,129,45 9,50

10,29

1 1 1,1435 1,8117 0,9719 0,9397 1,1687 2,9773 1,9938

26

3639,0496

44,8111 47,0109

53,7385 52,8037 54,161858,8612

16 16 16,0826 14,4964 16,5785 14,7068 14,7974 12,8442 13,365

28 27 26,1907 25,51921,2776 21,1197 20,8758 20,3619

17,0289

24

1815,5323

12,3721 13,21569,1592 9,8391 8,9114 7,2301

0 1 2,0013 1 0,9455 0,3361 0,5154 0,7434 1,521

Tuntimäärä, ka. (h,min)

Vastaajajoukko: 15-79-vuotiaat suomalaiset, jotka käyttäneet internetiä edellisen kuukauden aikana. Kysytty puhelinhaastatteluna.

Kuinka monta tuntia viikossa arvioisitte käyttävänne Internetin WWW-sivujen selailuun ja lukemiseen?

TNS Gallup Digital / NetTrack 2014

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“ FA C E B O O K I S A M O B I L E C O M PA N Y ”

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Lähde: KPCB

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M O B I L E I S T H E M O S T S I G N I F I C A N T C H A N N E L R I G H T N O W

Takeaway #1

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W H AT I S M O B I L E ?

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U B E R

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T I N D E R

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C O U P L E

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1 0 0 P U S H U P S

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TA B

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H O T E LT O N I G H T

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R E A LT I M E

L O C AT I O N - A W A R E

P E R S O N A L

R E L E VA N T

1 - C L I C K

U N B U N D L E D

S M A R T

C O A C H

VA L U E - A D DC O N T R O L

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R E A LT I M E

L O C AT I O N - A W A R E

P E R S O N A L

R E L E VA N T

1 - C L I C K

U N B U N D L E D

S M A R T

C O A C H

VA L U E - A D DC O N T R O L

C O N N E C T E D

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C O N N E C T I N G P E O P L E

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C O N N E C T E D P E O P L E

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T R U E M O B I L E E X P E R I E N C E S A R E C O N N E C T E D

Takeaway #2

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H O W T O S U C C E E D I N M O B I L E ?

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Z E R O C O S T T R A N S I T I O N S

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G L O B A L , F I E R C E

C O M P E T I T I O N

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D E S I G N M AT T E R S

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F E E L I N G S , N O T F E AT U R E S

Takeaway #3

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H O W T O S U C C E E D I N F INANCE M O B I L E A P P S ?

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MOVEN BBVA/SIMPLE(SOLD FOR 117 MEUR)(VALUED AT 100’s OF MEUR)

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W H AT C O N T R O L , C O N T E X T O R VA L U E - A D D C A N W E B R I N G T O T R A N S A C T I O N S F O R C O N N E C T E D P E O P L E ?

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• 3 0 0 . 0 0 0 + • 3 3 % D A U

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DES IGN F O R CONNECTED , D E L I V E R C O N T R O L , C O N T E X T A N D VA L U E - A D D

Takeaway #4

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TA B L E T S ? R E S P O N S I V E D E S I G N ?

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TA B L E T S = M O B I L E , R I G H T ?

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TA B L E T W I L L R E P L A C E D E S K T O P ( N O T M O B I L E )

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A L L C H A N N E L S A R E T H E S A M E ?

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TA B L E T I S A C O N N E C T I N G T E C H N O L O G Y S O M E T H I N G Y O U G O T O , N O T S O M E T H I N G

T H AT G O E S W I T H Y O U

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M O B I L E I S W I T H Y O U C O N N E C T E D P E O P L E

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R E A LT I M E

L O C AT I O N - A W A R E

P E R S O N A L

R E L E VA N T

1 - C L I C K

U N B U N D L E D

S M A R T

C O A C H

VA L U E - A D DC O N T R O L

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R E S P O N S I V E D E S I G N S AV E S E V E RY T H I N G ?

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S C A L A B L E /R E S P O N S I V E D E S I G N I S A FA D ( A LW AY S W A S )

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B U T S U R E LY, O M N I - C H A N N E L ?

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Multi-channel use, simultaneously

by @ThinkWithGoogle

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TA B L E T S N E E D T H E I R O W N S T R AT E G Y A S I T S N O T T H E S A M E A S M O B I L E

Takeaway #5

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B E Y O N D M O B I L E

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We’re not done yet

by @BusinessInsider

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Copyrights by @Mashable

WAT C H E S

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Copyrights by @Google

G L A S S E S

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Q U A N T I F I E D S E L F

Copyrights by @Mashable

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I D E N T I F I C AT I O N

Copyrights by @Barclays_UK

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M O B I L E = S W I T C H B O A R D

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I N E R A O F W E A R A B L E S & I O T, M O B I L E W I L L S T I L L B E T H E S W I T C H B O A R D

Takeaway #6

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# 1 M O B I L E I S T H E M O S T S I G N I F I C A N T C H A N N E L N O W

# 5 TA B L E T S N E E D T H E I R O W N S T R AT E G Y A S I T S N O T T H E S A M E A S M O B I L E

# 2 T R U E M O B I L E E X P E R I E N C E S A R E C O N N E C T E D

TA K E AWAY S

# 6 I N E R A O F W E A R A B L E S & I O T, M O B I L E W I L L S T I L L B E T H E S W I T C H B O A R D

# 3 F E E L I N G S , N O T F E AT U R E S

# 4 DES IGN F O R CONNECTED , D E L I V E R C O N T R O L , C O N T E X T A N D VA L U E - A D D

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THANK YOU. @kluoma @pivo