1. Smartphone challenge for banks in 2011

2. About IND Leading European Vendor Online Banking and Mobile Banking 14 years in business, 28 banking customers Key customers: Raiffeisen Bank, Erste Bank, Intesa SanPaolo, Unicredit Bank Key differentiator is User Experience

3. Mobile trends

4. Change in the Mobile Landscape Old-style phones Phone calls SMS texting Smartphones Phone calls SMS texting Web browsing E-mail Games Weather Music  Banking!

5. Mobile trends

6. Platforms ✖?✖? Android (HTC, Samsung, etc.) Blackberry iOS (iPhone, iPod, iPad) Symbian (Nokia) Windows Phone 7 (HTC, etc.)

7. Mobile Banking Technologies Android Blackberry iOS Symbian Windows Phone 7 Browser (?!) + Apps (faster, richer, better UX)

8. Mobile Banking Services Pay Check balance and history Download teaser app

9. Smartphone specific features Always- on Location Code reader Touch- to-call

10. Payments One-time money transfer Bill payments Photo-a-bill and NFC payments are coming

11. Bank Feed Feed the Information Like the facebook Marketing possibilities

12. Budgeting

13. Spending Categories

14. Killer apps (why use it?) Balance check Locations Payments

15. Bill Payment Only 1 photo and 2 clicks DONE

16. IND Mobile Token Functions: - One-Time Password generation - Challenge/Response - Transactions signing

17. IND Internet Banking

21. References National Bank of Oman CIB MKB FHB ZUNO Banca Transilvania

22. Speakerwiki oldal

23. Dr. Balázs Vinnai CEO Balazs.Vinnai@indgroup.eu www.indgroup.eu