knab: branchless banking in the netherlands
DESCRIPTION
Presentation by Rene Frijters, Founder & CEO, Knab during the Ukrainian Banking Forum, 30 October 2014TRANSCRIPT
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Company &
Proposition
René Frijters
Founder and Customer
@rfrijters @Knab_nl
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Vision
• Customers need a financial plan within 5 years • Earning models of banks/advisors will change • Strong believe in the online model – customer is
online (mobile/web) and wants to be in control • Keep innovaBng to keep business running • The reason ‘why’ you exist becomes more
interesBng than products
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Mission / WHY
Knab helps customers to get a beGer insight in their financial situaBon, become smarter with their money and reach their (financial) dreams.
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Robustness What makes Knab unique?
Ag
ility
We build a bank with customers and unlocked their knowledge
We provide our customers with tools
and bring them solutions
We provide outstanding service
We introduced a completely new and transparent revenue model
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We provide the customer with tools and smart solutions
Be smart NOW
• Easy online bank: payments/savings/investments
• Financial Dashboard • View on Cash • Personal Savings Alerts
Get smart for the FUTURE
• Financial Planning • What if analyses • Basic Scenarios • Indepent Advice via Internet
Smart AlerBng (based on big data)
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Financial Dashboard All of the customers financial data in one overview, including assets at other banks
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Digital View on Cash Overview of income and expense in graphs
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Financial plan Assets/income forecast and scenario analyses
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‘Big Data’ Analysis
Smart Alerts
Fin. Plan
Dashboard
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Smart Alerting
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Mobile banking
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Challenges and Learnings
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Organization
• Greenfield • CreaBng a Dream Teamis essenBal • All customer driven persons with IT-‐affinity • Legacy is within the brains of people • Entrepreneurial culture
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ICT
• Don’t start to fast • Responsibility for INTEGERATION yourself • Different cultures • Set up OTAP in early stage • Test responsibiliBes • NaBve APP’s are expensive • Lean Start Up method
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Marketing and Sales
• Trust takes Bme • Online Sales • Comparison Sides • Instrumental advantages • Above the Line campaigns • Customer Journeys • All channels • SpoBfy model
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Uitdaging Marketing / Verkoop
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Have Fun (birthday pranks)