INTERNET BANKING
  WEB 2.0 STYLE
                    OCTOBER 2008

                      STEFAN RUST
               STEFAN@EXICON.MOBI
                        @SRUST99
WEB 1.0




                         “… but I was sure I 
                          bookmarked that 
                             website!”
                                b it !”
    USER
    “Web 1.0 is rigid!
     I have to search
     I have to search
    so many websites…”
WEB 2.0




                               WEB2 0
                               WEB2.0                 U
                                                      User permission
                                                               i i




                                        “How did I live 
  USER                                   without RSS 
  ““Web 2.0 is fluid! I can                feeds?”
  create my own Web, my 
  own space, tailored to my
  own space, tailored to my 
  needs”
NEWBANK ONLINE BANKING 2.0

                  New Bank Group
                  My Dashboard

   My Dashboard                                                               Credit Card
                                                                              Credit Card
                            My Balance                   US$ 50,165
   Accounts          >                                                        Only 4 more days to 
   Transfers                                                                  settle your credit card 
                         Savings Account                     US$ 30,600
   Bills                                                                      balance of US$ 430
                         Checking Account                    US$ 15,450
   Insurance             Credit Card                         (
                                                             (US$ 560)
                                                                     )
   Mortgage
   M t                                                                         Pay Now!
                                                                               P N !
                         Securities                          US$ 4,675

                                                                              Save more
   My Budget
                            My Monthly Expenses
                     >




   My Reports                                                                 Transfer USD10,000 from 
   Save more                                                                  your checking to your 
                                                                              your checking to your
   Life events      January as of January 20th                                savings account and save 
                                                                              USD100 more per month
                         Category           Amount      Budget
                         Food               US$ 540     US$ 1,000   Details    Transfer Now!
                         Rent               US$ 1,000   US$ 1,000   Details
                         Leisure            US$ 670     Leisure     Details
                                                                    Details
                                                                              Life Events
                         Utilities          US$ 300     Utilities
                                                                              •Buying a new home
                                                                              •Travelling
                            My Investments
                     >




                                                                              •Having a baby
NEWBANK ON FEED READERS



                  New Bank 

                     New Bank 
NEWBANK ON SOCIAL NETWORKS


                                                                                  Make business personal

                                                                                  Interact with Customers

                                                                                  Update frequently 
                                                                                  Update frequently

                                                                                  Harness Newsfeeds
               New Bank


                                                                                  Choose relevant 
                          NewBank
                          SCM 2008: Registered   3 of my friends ran last year:   applications
                          First run: 2003
                          Favorite run: 20 kms
                          Best ranking: 3459
                          Referred friends: 1                                     Promote your page
               My souvenir pictures              Runner-Get-Runner

                                                 Use me as a referrer
                                                 to register and we
                                                 may get a special gift

               More pictures…                    Register
NEWBANK ON PERSONAL HOMEPAGES




 New Bank                                  New Bank Updates                         E‐Trade Stock Watchlist
                                          • New Credit Card for Premium                             Your Portfolio today
                   My New Bank
                    y                       Customers                                                                      0.5%
                                                                                                                           0 5%
                                          • Interest Rates Lowered by 0.25
Latest Transactions                         points
Fancy Restaurant        - US$ 145         • Travel Insurance rebate for Chinese
Seven Eleven            - US$ 10            New Year
Broadband TV            - US$ 34          • Special promotion on fixed deposits
                                   more   • Value Partners added in our fund
                                            offering
My Budget                                                                    Next

You have exceeded your food budget         GoCompare Insurance
for this month by US$ 100.
Take action !                                                  Home
                              more

My Deadlines
                                          Total Home Protect
Only 3 days left to settle your credit
card balance                              SmartHome Optimum

Balance: US$ 450      (Min: US$ 50)       HomeSurance Classic
Settle Now
                                  more                                Compare
NEWBANK ON PERSONAL FINANCE WEBSITES

        SaveMoney.com
                         Overview       Check           Analyze       Save            Accounts




         All
                             Your current credit card
          US$ 1,000                                                    NewCard
                                                                       2.0 Card

         Savings               Annual Fee: US$50                   Annual Fee: none
          US$ 500
                               Savings: US$ 50                     Savings: US$ 250
         Monthly Bills
         US$ 200               Starbucks: -10%                     Starbucks: none
                               AT&T: none                          AT&T: -30%
         Credit Cards
                               Reward Program:                     Reward Program:
         US$ 300
                               none                                $1 = 1 point at AT&T


                               Estimated Annual Savings: US$ 300

                               • Apply Now!
                               • Compare with other credit cards
POSSIBLE WEB 2.0 PROJECT FLOW




                                             Brand  issues         Due Diligence
                         Customer 
                      Identification &                                                Roll Out 
                       Segmentation
                       S           i         Strategy Type 
                                             Strategy Type          Recommend 
                                                                    R           d
 Web 2.0 Project                                                                      Strategy
                                                Own Site               Target 
    Kick Off
                          Market             Feed Readers          Partnerships or 
                       Segmentation        Soc. Ntwk. Widget       Acquisitions by 
    • Mission
                                           Personal Home Pg         customer & 
                                             3rd Party FMT             market                2.0 Strategy 
         j
    • Project       Product and Service 
                    Product and Service
   Objectives                                                                               Documentation
                         Options
                                           Technology options 
    • Steering                                                        External & 
                                                  •Partners
   Committee        Competitive Analysis      rd Party Providers       Internal 
                                           •3
                                                                     Integration 
                                                  •In‐house
                                                                         p
                                                                    Compatibilityy
                                                 O t
                                                •Out‐source
EXICON: STRATEGY AND EXECUTION

 Mobile and Internet specialists
 •   Totally focused on Mobile and Internet
           y
                                                 Team
 Proven track record
 •   Repeat global clients since 2001

 Immersed in the Industry
 •   In the flow and in the know

 CORE team
 •   Innovative thought leaders

 CORE+ team
 •   Scalable, qualified value based resources
 •   Global reach with specialist network
THANK YOU

                       Stefan Rust
  Blums Pineda                             Cat Purvis
                    stefan@exicon mobi
                    stefan@exicon.mob
blums@exicon.mobi                        cat@exicon.mobi
                        @srust99

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Internet Banking Web 2 Style

  • 1. INTERNET BANKING WEB 2.0 STYLE OCTOBER 2008 STEFAN RUST [email protected] @SRUST99
  • 2. WEB 1.0 “… but I was sure I  bookmarked that  website!” b it !” USER “Web 1.0 is rigid! I have to search I have to search so many websites…”
  • 3. WEB 2.0 WEB2 0 WEB2.0 U User permission i i “How did I live  USER without RSS  ““Web 2.0 is fluid! I can  feeds?” create my own Web, my  own space, tailored to my own space, tailored to my  needs”
  • 4. NEWBANK ONLINE BANKING 2.0 New Bank Group My Dashboard My Dashboard Credit Card Credit Card My Balance US$ 50,165 Accounts > Only 4 more days to  Transfers settle your credit card  Savings Account US$ 30,600 Bills balance of US$ 430 Checking Account US$ 15,450 Insurance Credit Card ( (US$ 560) ) Mortgage M t Pay Now! P N ! Securities US$ 4,675 Save more My Budget My Monthly Expenses > My Reports Transfer USD10,000 from  Save more your checking to your  your checking to your Life events January as of January 20th savings account and save  USD100 more per month Category Amount Budget Food US$ 540 US$ 1,000 Details Transfer Now! Rent US$ 1,000 US$ 1,000 Details Leisure US$ 670 Leisure Details Details Life Events Utilities US$ 300 Utilities •Buying a new home •Travelling My Investments > •Having a baby
  • 5. NEWBANK ON FEED READERS New Bank  New Bank 
  • 6. NEWBANK ON SOCIAL NETWORKS Make business personal Interact with Customers Update frequently  Update frequently Harness Newsfeeds New Bank Choose relevant  NewBank SCM 2008: Registered 3 of my friends ran last year: applications First run: 2003 Favorite run: 20 kms Best ranking: 3459 Referred friends: 1 Promote your page My souvenir pictures Runner-Get-Runner Use me as a referrer to register and we may get a special gift More pictures… Register
  • 7. NEWBANK ON PERSONAL HOMEPAGES New Bank New Bank Updates E‐Trade Stock Watchlist • New Credit Card for Premium Your Portfolio today My New Bank y Customers 0.5% 0 5% • Interest Rates Lowered by 0.25 Latest Transactions points Fancy Restaurant - US$ 145 • Travel Insurance rebate for Chinese Seven Eleven - US$ 10 New Year Broadband TV - US$ 34 • Special promotion on fixed deposits more • Value Partners added in our fund offering My Budget Next You have exceeded your food budget GoCompare Insurance for this month by US$ 100. Take action ! Home more My Deadlines Total Home Protect Only 3 days left to settle your credit card balance SmartHome Optimum Balance: US$ 450 (Min: US$ 50) HomeSurance Classic Settle Now more Compare
  • 8. NEWBANK ON PERSONAL FINANCE WEBSITES SaveMoney.com Overview Check Analyze Save Accounts All Your current credit card US$ 1,000 NewCard 2.0 Card Savings Annual Fee: US$50 Annual Fee: none US$ 500 Savings: US$ 50 Savings: US$ 250 Monthly Bills US$ 200 Starbucks: -10% Starbucks: none AT&T: none AT&T: -30% Credit Cards Reward Program: Reward Program: US$ 300 none $1 = 1 point at AT&T Estimated Annual Savings: US$ 300 • Apply Now! • Compare with other credit cards
  • 9. POSSIBLE WEB 2.0 PROJECT FLOW Brand  issues Due Diligence Customer  Identification &  Roll Out  Segmentation S i Strategy Type  Strategy Type Recommend  R d Web 2.0 Project  Strategy Own Site Target  Kick Off Market  Feed Readers Partnerships or  Segmentation Soc. Ntwk. Widget Acquisitions by  • Mission Personal Home Pg customer &  3rd Party FMT market  2.0 Strategy  j • Project  Product and Service  Product and Service Objectives Documentation Options Technology options  • Steering  External &  •Partners Committee Competitive Analysis rd Party Providers Internal  •3 Integration  •In‐house p Compatibilityy O t •Out‐source
  • 10. EXICON: STRATEGY AND EXECUTION Mobile and Internet specialists • Totally focused on Mobile and Internet y Team Proven track record • Repeat global clients since 2001 Immersed in the Industry • In the flow and in the know CORE team • Innovative thought leaders CORE+ team • Scalable, qualified value based resources • Global reach with specialist network
  • 11. THANK YOU Stefan Rust Blums Pineda Cat Purvis stefan@exicon mobi [email protected] [email protected] [email protected] @srust99