La Degustation Online

19.6. 2013

Radek Jirka, UniCredit BankRadek Jirka, UniCredit Bank

Innovations in Mobile Financial ServicesInnovations in Mobile Financial Services

2

Innovative mobile services plays important role in successful RETAIL expansion of UniCredit Bank CZ

Growth of brand awareness

Strong expansion of branches & franchises network

New UniCreditShop.cz

Modern & innovativemobile services

New generation of ATM´s

mBankingmBanking mPaymentsmPayments

3

After internet banking boom mobile banking is comming…

Growth of internet and mobile banking

0%

10%

20%

30%

40%

50%

60%

70%

2000 2004 2008 2012

US Online Baning Usage European Online Banking Usage

US Mobile Banking Usage Eurepean Mobile Banking Usage

Online and Mobile Banking Forecast January 2010 - ecom Advisors modeling and estimates, ComScore Citi bank, Mobile Money ventures

Mobile banking applications are becoming common (in 3 years) x internet banking needed 10 years

Strong growth in financial and banking applications in 2011- 2012 confirmed

Mobile banking is from now not only the complementary channel but could be the competitive advantage

4

Mobile banking development on CZ market

SMS BankingSMS Banking

GSM Banking(SIM Toolkit)

GSM Banking(SIM Toolkit)

JAVA BankingJAVA Banking

Mobile WEB

Mobile WEB

2000 2002 2005 2011

Use

r po

pula

rity

Time

mBankingmBanking

2012

mPaymentsmPayments

5

Multi-channel strategy and customer centricity

New ATM´s

Contact Center

Internet banking

BRANCH AS THEKEY RELATIONSHIP CHANNEL

UniCreditShop.cz

mBanking + mPayments

6

New age for direct banking channels

Online Banking

Smart Banking

Online Banking & mBanking & mPayments

Mobito

7

New Smart Banking + mToken

8

Mobito - cash in your mobile