Localization / Adaptation Microsoft Financial Products Author: Liam Cronin Date: 12-November-2002

What is Microsoft Money ?.

What is Microsoft MSN ?

What is MSN Money Product?

How Financial Product Group look at Countries For MSN Money F Market criteria: –Size (Population, Home PCs, other Internet ready devices, etc.) –Internet penetration and growth –Financial habits: attitude towards money management and towards investing, –Financial Industry: structure and complexity of financial products offered; consumer attitude towards buying financial products online –Size of Finance opportunity for Microsoft, projected over 3-5 years in terms of revenue, units and share F Microsoft internal criteria –Strength of local MSN organization and plans for Finance channel –MSN commitment to Finance area (funds, resources, focus, etc.) and ability of local MSN to support MSN Money with marketing and promotional efforts –Channel execution and ability to monetize financial channel –Regional opportunities with cross-countries Financial Institutions and sponsors

Localization Process Globalization Localizability Localization Content Local Features Support International Settings Able to run US version in other locales Make product localizable Allow extensibility of feature US Code Base Translated, Adapted, or Created locally Process Driven by Ireland / European Product Planners US product adapted for other language (or locale) Process Driven by Ireland Extend localized product with local features Process Driven by Ireland / European Product Planners

Local Content Process F Review US content and apply content roadmap to determine what gets: –Remove! –Translate! –Adapt! –Replace! –Create!

No Yes INAPPROPRIATE? Remove! KEEP AS IS? Yes No CAN BE ADAPTED FOR LOCAL MARKET? Yes No Translate! Adapt! Replace! Create! US CONTENT INT’L CONTENT Not enough value-added to justify cost Done by Localization Vendors) Depends on how technical and complex content is to adapt. Done by Content Vendor, or SME. Original content (non US) dev’ed on a per-country or per-region basis by Specialized Vendor or ISV HIGH COST LOW COST EASY HARD Local Content Process

Local Features In Money CD Product F Partner with local companies in Europe F Search for complementary product line : Mortgages, Taxes, Pensions etc… F Include features in localized versions of Money F Train and support partners –Limited development & program management involvement F Cross-promotion and marketing initiatives –From packaging to distribution

International Product Planning F Phase I - Define and spec Requirements for local product F Phase II - Find and execute on local solution for additions to the product F Phase III - Market and push the product

International Product Planners Role F Product planning & vision for site F Drive usability testing on site F Work with Financial Institutions F Content Vendor / Partner management F Work with Channel Managers F Business development F Product marketing F Public relations

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