A new generation of Mobile Banking services

The Direkt Banking Service Concept–Capgemini implements new mobile service concepts to provide innovative powers and increase revenues to its client in the Financial Service Industry.

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The SituationAfter WAP, SMS and NFC technology provided the first mobile banking functionality, a new era of mobile banking has emerged. The market shift towards smart phones , like Apple’s Iphone, is the main cause.

This new mobile banking (generation 2.0) emerged from a variety of evolutions*: New client experience: The

Iphone from Apple shows the great impact of appearance on functionality. Consistent integration of the appearance and the tasks to be executed by providing standard controls and behaviours, leads to new user interface elements and result in a new customer experience.

Ipodification: An eminent trend shows more and more non-computer- like devices are used as the primary access channel to

information, transactions and interactions

Location based services: Smart phones have the unique ability to provide services based on the physical location of the user

Surface computing: With the Multi-Touch interface, users enjoy a heightened sense of direct manipulation. A new set of gestures like tapping controls, sliding and flicking through data helps users to quickly grasp applications and simplifies and give greater affinity for the objects and task execution on screen.

Upscale of user demand: broad band availability fuels access to and use of mobile internet and a ‘front row interface ‘(TV) for live entertainment.

All together Smart Phones provides for an increasing larger group of customers a ‘pocket’ tool for remote life !

Particularly the young, technology- savvy online banking users consider a smart phone and its new technology as an ubiquitous asset that augments their everyday live in many respects and which they can combine at will to create their own solutions.

Banking consumers want to improve the overall experience. They want to interact on the rhythm and at the moments that suit them. They expect seamless and compelling ways of accessing applications and systems.

Also workers quickly start to understand how their daily routine might benefit from freedom that

For Contact: Michel.vanden.Berg@Capgemini.comExpert group Manager Channels retail banking

Frank. Moerdijk@Capgemini.comStrategic Business Domain Manager Channels

technology creates. They are getting used to interact more effectively and intensively to co-workers, clients and partners.

The Business and IT Challenge

Banks are affected by the same trends and as new opportunities arise faster, business must be able to sense crucial events in the business ecosystem.

There is a pent-up demand to apply the technologies that individuals are already used to.

For IT, it is difficult to keep up the pace of technology.

Combining the two in order to find new ways of using technology to align and combine capabilities, explore new sales and delivery channels and thus unleashing new revenue potential is challenging.

To model your business according to above mentioned evolutions and to understand the powerfull effect of the new user interface and its new set of human interface principles, a new collaboration effort is required.

Partners in this collaboration are user interface & user experience designers, IT, marketing and channel management.

The Solution

For many IT departments at Banks we know the time to procure, specify and implement new hardware and then to

deploy and configure new IT applications and services can take so long that much of the business value of the new resource is lost.For these reasons - continuing to drive IT infrastructure costs down, improving time to market for new services and enabling new models of working together - Capgemini believes organizations will inevitably have a need for immediate access to a massive pool of diverse computing -storage, applications and services- and business resources (Strategy, UXP and Organizational Embedding).

With Capgemini Direct Banking Service Concept this risk is eliminated.

For building new Internet Banking and Mobile Banking models the Direct Banking Service Concept, IT and business elements can be accessed immediately as external services.

How Capgemini Works Together

Capgemini’s Direct Banking Service Concept is to close any gap between IT, Business and Users in order to mitigate delivery and adoption risks.

It also helps to reach business - and IT goals:

Improve Time-To-Market Creating flexibility Reduce investment costs (storage,

applications, services) Reduce development costs (e.g.

SDK and object-oriented programming for Iphone)

Reduces long–term costs since assets can be spread across different organisations

About Capgemini and the Collaborative Business Experience

Capgemini, one of the world’s foremost providers of Consulting, Technology and Outsourcing services, has a unique way of working with its clients, called the Collaborative Business Experience.

Backed by over three decades of industry and service experience, the Collaborative Business Experience is designed to help our clients achieve better, faster, more sustainable results through seamless access to our network of world-leading technology partners and collaboration-focused methods and tools. Through commitment to mutual success and the achievement of tangible value, we help businesses implement growth strategies, leverage technology, and thrive through the power of collaboration.

Capgemini employs approximately 61,000 people worldwide and reported 2005 global revenues of 6,954 million euros.

More information about our services, offices and research is available at www.capgemini.com