1. La Degustation Online
19.6. 2013
Radek Jirka, UniCredit Bank
Innovations in Mobile Financial Services

2. 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 & innovative
mobile services
New generation of ATM´s
mBanking mPayments

3. 3
After internet banking boom mobile banking is comming…
Growth of internet and mobile bankingAdaptation of mobile banking compared to online 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. 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
Userpopularity
Time
mBankingmBanking
2012
mPaymentsmPayments

5. 5
Multi-channel strategy and customer centricity
New ATM´s
Contact Center
Internet banking
BRANCH AS THE
KEY RELATIONSHIP CHANNEL
UniCreditShop.cz
mBanking + mPayments

6. 6
New age for direct banking channels
Online Banking
Smart Banking
Online Banking & mBanking & mPayments
Mobito

7. 7
New Smart Banking + mToken

8. 8
Mobito - cash in your mobile