A whole world of services in the consumer’s pocket
of phone, only 5% of Internet users access them. The oper
u
the
sua
U
ll
nited States and Europe
y very simple, such as checking balances, SMS alerts, etc.
ations performed are
are generally y
, and users in
background, an above-average income and users of Internet banking.
oung men, with a technology
T
the v
he low adoption r
alue of connecting using their mobile device, not being willing to pa
ate for these services is essentially due to customers not seeing
services, being unaware of their existence or being worried about their securit
y for these
y.
154
ha
The leading mobile oper
ve invested a lot of money in trying to con
ators in the United States, AT&T
155
and Verizon
156
,
new medium. They have launched progr
vince their customers to use this
tract with a financial institution
ams in which consumers sign a con-
application.
157
to link their bank account with a mobile
5.3.2. The range of m-banking services
The range of services that can be offered on mobile handsets is extensive:
Deposits, cash withdr
with the development of some products a
awals or transfers; these transactions can be covered
the electronic w
1
Inconvenient Truth. Most Large Banks
54
European Mobile Banking: An remittances and tr
allet, mobile bank accounts, cash deposits, cash withdr
vailable on mobile phones, such as
ansfers between account holders.
awal,
Offer Mobile Banking But Few
ped the Bankinter
Bankinter has develo-
in the series “Mobile Financial
Consumers Use It. Second document lances and account activit
Aggregation service
y, make transfers, and subscribe to
158
which can be used to check ba-
Services”
Hesse, Michelle de Lussanet, Niek v
. Benjamin Ensor, Alexander
cel the floating of new stock. Likewise, the Hal Cash
159
service b
, consult or can
y Bankin-
-
Veen and Lizet Menk
an
October 2007.
e. Forrester.
155
re in Spain and/or Ecuador
an automatic cash machine, immediately
ter enables money to be sent from a mobile handset, to be withdr
.
, securely, at any time and an
awn from
ywhe-
http://www
AT&T:
pages?pid=3308.
.att.com/gen/landing-
156
http://www22.v
Verizon:
erizon.com/.
croloans or rev
Access to money loans
olving credits.
by means of consumer and interpersonal loans, mi-
157
Bank Group
America First Credit Union, Arvest
In
and Synovus.
, BancorpSouth, FirstBank example,
vest and manage investments using mobile devices (mobile trading). For
which enables tr
Bankinter
160
offers its customers the Broker Multimodal service,
158
giv
es/cgi/ebk+sm
https://www
Bankinter:
.bankinter
v+bkmo
.com/www/es-
vil+descrip.
orders to be check
en in real time, as well as alerts to be receiv
ansactions to be carried out and stock price quotations to be
ed and cancelled.
ed on mobile handsets, and
159
https://www
Bankinter:
es/cgi/ebk+sm
.bankinter
v_transf_Acajeros_Desc
.com/www/es-
.
Access to financial information
example, the Bank of America
(balance sheets, tr
mobile banking service
ansactions record, etc.). For
160
https://www
Bankinter:
handsets to be used for making transactions, reading account statements,
161
enables mobile
es/cgi/ebk+sm
.bankinter
v+bng+oper
.com/www/es-
ativavoz.
paying bills and even finding the nearest cash machines.
http://www
161
Bank of America: Mak
ebanking/index.cfm?template=mobile
.bankofamerica.com/onlin
_banking&statecheck=KS.
account
e payments with a mobile phone or a card that i
chases, etc.
(m-payment): Mobile wallet linked to the card, pa
s linked to the telephone
yment of bills, pur-
© 2008 Fundación de la Innovación Bankinter. All rights reserved.
77
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124 |
Page 125 |
Page 126 |
Page 127 |
Page 128 |
Page 129 |
Page 130 |
Page 131 |
Page 132 |
Page 133 |
Page 134 |
Page 135 |
Page 136 |
Page 137 |
Page 138 |
Page 139 |
Page 140 |
Page 141 |
Page 142 |
Page 143 |
Page 144 |
Page 145 |
Page 146 |
Page 147 |
Page 148 |
Page 149 |
Page 150 |
Page 151 |
Page 152 |
Page 153 |
Page 154 |
Page 155 |
Page 156 |
Page 157 |
Page 158 |
Page 159 |
Page 160 |
Page 161 |
Page 162 |
Page 163 |
Page 164 |
Page 165 |
Page 166 |
Page 167 |
Page 168 |
Page 169 |
Page 170 |
Page 171 |
Page 172 |
Page 173 |
Page 174 |
Page 175 |
Page 176 |
Page 177 |
Page 178 |
Page 179 |
Page 180 |
Page 181 |
Page 182 |
Page 183 |
Page 184 |
Page 185