bawi2015 07 banco popolare - chat&cash_a verzini
TRANSCRIPT
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Chat&Cash :Can mobile payments be Social?
Antonella Verzini
Head of Issuing and Acquiring Unit at Banco Popolar e
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BA methodologyapplication inBanco Popolare
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Banco Popolare & IIBA Italy Chapter
A collaboration started some time ago
Chat&Cash: can mobile payments be social?
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Why Banco Popolare joinedBA methodology ?
Chat&Cash: can mobile payments be social?
How three of the BA knowledge areas support the delivery of business value before, during, and after the life cycle of a project
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Chat&Cash :a successfull(?) BA application case history
Chat&Cash: can mobile payments be social?
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Analyze CurrentState
DefineFutureState
AssessRisks
DefineChangeStrategy
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Banco Popolare case history :
Chat&Cash
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This is reflected in our relationshipsThis is reflected in our relationships
CONNECTED DEVICES EXCEED
WORLD POPULATION
1,4 BILLIONS OF POPULATION IN CHINA
1,2 BILLIONS OF POPULATION IN INDIA
1,4 BILLIONS OF POPULATION IN FACEBOOK
0,3 BILLIONS OF POPULATION IN USA
Issuing & Acquiring Unit
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TODAY WORLD IS AT HAND
An opportunity to understand and grasp to create valueAn opportunity to understand and grasp to create value
Everything is possible on the move, in a few "tap"Everything is possible on the move, in a few "tap"
A new "sales channel" to acquire
or maintain market share alongside or
replace more traditional ones.
A new way to live their lives and their
relationships thanks to many
applications provided on different
stores
FOR EVERY PERSON
FOR EVERY COMPANY
Issuing & Acquiring Unit
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But still NOT "used" by usersBut still NOT "used" by users
MOBILE PAYMENT
It is one of the most disruptive innovations in
the world of electronic payments,
a market where many people see
a business opportunity
Service OrientedPayment Oriented
Te
lco
Isti
tuti
fin
.O
TT
Ese
rce
nti
Act
ors
Tendencies
PEOPLE CAN ALREADY USE
NEW SMARTPHONES TO PAY
Issuing & Acquiring Unit
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To intercept consumers needsTo intercept consumers needs
NEED RE-THINK APPROACH
IN MOBILE PAYMENT
Interesting, but why
should I use my phone
to pay? I already have
all tools that I need to
pay
It did exactly what I
needed !! ",
intercepting or
creating new needs
Transform the service so that users
understand the value of service
BEFORE AFTER
Issuing & Acquiring Unit
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CREATING SOMETHING NEW
ON CONSOLIDATED HABITS
Replicating the experience of using the most common AppsReplicating the experience of using the most common Apps
BILLIONS OF APPLICATIONS
manage emails share their lives thanks to social
networks
write messages with instant messaging apps
post photos express their thoughts ...
IN ONE WORD SOCIAL
Issuing & Acquiring Unit
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BY IDENTIFYING THE GAP OF CURRENT SOLUTIONS
Simply put speed and ease of useSimply put speed and ease of use
Be on-line immediately
without having to "suffer"
complicated processes to
access to service
Do everything with my
smartphone without paper
forms to send or sign in a
bank branch
Allow money transfer easily
without having to register
bank details or other
information
Allow to use current bank
accounts
Avoid providing their bank
details for a payment using
credit card or bank account
Provide a tool to guarantee
financial transactions and
close whole process
Allow real time money
transfer without specific
confirmations
Use confirmation modes
for complex transfers
Issuing & Acquiring Unit
OPPORTUNITIES
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WITH MANY OPPORTUNITIES
Banco Popolare, with the intent to eliminate gaps previously identified during preparation of the new
money transfer service, had to assess a range of opportunities ...
Issuing & Acquiring Unit
Are there present necessary
technical components within
Banco Popolare?
Are there solutions on the
Market that we may adopt?
What are necessary
implementations?
Why a customer of another
bank should prefer a solution
other than the one proposed
by his bank?
RISKS
It is possible this type of
banking solutions?
With different resultsWith different results
Are there any possible
developments beyond just
money transfer?
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BUT WITH RISKS
To carefully considerTo carefully consider
Security Legal
Reputation
Technical
Organization Economics
AMLFiscal
Accountancy
Issuing & Acquiring Unit
... and risks related to identified solution for which it was necessary to activate a whole series of
round tables to evaluate several aspects
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Break the mold by offering an innovative solutionBreak the mold by offering an innovative solution
BANCO POPOLARE SELECTS ITS STRATEGY
Assessed the market, the opportunities
and risks, Banco Popolare decided to
create their own solution, using internal
expertise gained in the creation of other
products and services, continuing on the
path of distinctiveness designing flexible
and replicable solutions
Issuing & Acquiring Unit
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CHAT&CASH
The social application to support money transferThe social application to support money transfer
Chat&Cash
The mobile payment app
combining payment with phone
and chat applications behaviour
Issuing & Acquiring Unit
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FREE FROM ANY "BURDEN"
Without an account or being a customer of any bankWithout an account or being a customer of any bank
Chat&Cash is the mobile payment app for Android and iOS and, soon, Windows Phone.
Free to activate and use Chat&Cash without having a bank account or be a bank customer.
Issuing & Acquiring Unit
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ACTIVE IN A MINUTE
Without formalities and without having to go to the bankWithout formalities and without having to go to the bank
Chat&Cash differs from main banking products because it does not require special formalities for
activation.
The holder does not have to print, sign and submit forms or go to the bank, but activate service by
entering a few simple data.
Issuing & Acquiring Unit
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IN TOUCH WITH ALL YOUR FRIENDS
Money transfer is as simple as sending a photoMoney transfer is as simple as sending a photo
Chat&Cash looks like a shared chat application (i.e. Whatsapp, Viber or similar) with whom you can
chat, send photos to your friends and customize your profile with your image and your status ...
But not only!
With Chat&Cash you are able to send and request money!
Issuing & Acquiring Unit
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DESIGNING, ORGANIZING AND MONEY EXCHANGE
Including groupsIncluding groups
Thanks to the presence of the Chat, you are able to manage not only financial transactions, but also
start a dialogue with your contacts. You can use Chat&Cash to design, organize, define, chat and,
when needed, to pay.
As all major chat applications you can create a group chat, but only with Chat&Cash can send or
collect money directly thanks to chat!
Issuing & Acquiring Unit
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HEAR TALK ABOUT US
STARTING FROM TODAY WE WILL BE
PRESENT ON DIFFERENT CHANNELS
Find chatcash.itFind chatcash.it
Starting communication activitiesStarting communication activities
Issuing & Acquiring Unit
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A door open to the futureA door open to the future
AND THIS IS JUST THE BEGINNING
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TITOLO
SummarizingSummarizing
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Analyze CurrentState
DefineFutureState
AssessRisks
DefineChangeStrategy
Business Model Canvas
Mind Mapping
Focus Groups
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BA
BO
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Gui
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3Analyze current state
Main used techniques :
Benchmarking and Market Analysis
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Analyze CurrentState
DefineFutureState
AssessRisks
DefineChangeStrategy
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BA
BO
K
Gui
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3Opportunities
Main used techniques :
Benchmarking and Market Analysis
Acceptance and Evaluation Criteria
Brainstorming
Business Capability Analysis
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Analyze CurrentState
DefineFutureState
AssessRisks
DefineChangeStrategy
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BA
BO
K
Gui
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3Risks evaluation and strategy
Estimation
Financial Analysis
Brainstorming
Main used techniques :
Risk Analysis and Management
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Thank you for your attentionThank you for your attention
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Contact IIBA Italy Chapter!
Contact IIBA Italy Chapter: you can participate to interesting initiatives
[email protected] www.italy.iiba.org
http://goo.gl/q5sYt
www.slideshare.net/IIBA-IT
https://twitter.com/iiba_italy
http://www.facebook.com/ItalyIIBA
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Thank you