efinancials2015 - johan lorenzen - holvi

Industry transformation

E F I N A N C I A L S 1 5 D E C 2 0 1 5

The most interesting place to be B I G G E S T O P P O R T U N I T Y O F T H E D E C A D E

Industry transformation

Industry disruption

Formation of a Pan-EU finance market

Behavioural change (millennium)

Rate of innovation

Drivers of transformation

Industry transformationT R A D I T I O N A L B A N K I N G A P P L I E D T O D I G I TA L A N D M O B I L E

Industry disruptionT H E O P P O R T U N I T Y F O R F I N T E C H L I E S I N

B O T H H I G H C O S T A N D U N D E R S E R V E D N E E D S

Formation of EU market T H E B I R T H O F F I N T E C H

Behaviour changeM I L L E N N I U M G E N E R AT I O N E N T E R I N G B U S I N E S S A N D F I N A N C E

Rate of innovation and adoptionL E A V E S L I T T L E P L A C E F O R F O L L O W E R S - O N LY L E A D E R S

Pan-European market

Highly differentiated

Customer centric

Digital native

Millennial focused

Engagement driven

Transformation applied

Reaching a Pan-European segmentT H E L A R G E R O P P O R T U N I T Y

Micro businessL A R G E S T U N D E R S E R V E D S E G M E N T

Customer relationshipI S T H E R E A L A S S E T

Customer centricR E M O V I N G 6 . 8 H O U R P E R W E E K

Millenium generation W O U L D R AT H E R V I S I T T H I S G U Y T H A N A B A N K E R

Blink and you miss itW H Y W E A R E O B S E S S E D A B O U T 3 M I N A C C O U N T O P E N I N G

Technology as an enablerC O R E S TA C K B U I L D I N H O U S E F O R F U L LY F L E X I B I L I T Y A N D L O W C O S T

Friendly complianceA S A S S E R V I C E T O O U R C U S T O M E R N O T A N L I M I T I N G F A C T O R

Modern engagementF R I E N D LY P E E R H E L P I N G Y O U A L O N G

Customer service that mattersH A P P Y C U S T O M E R S T H AT K E E P C O M I N G B A C K

2. Active use

4. Maintain

3. Growth

96% Customer satisfaction

(year 2015 )

1. First experience

Traditional advertising does not workC U S T O M E R S E G M E N T I M M U N E T O T V A N D M E D I A A D D S

Virality and communityE F F E C T I V E T H R O U G H P R O D U C T V I R A L I T Y A N D

C O M M U N I T Y M A R K E T I N G M A R K E T I N G