1. Rethinking the
Traditional
Online Offer
Nicolas Moya
Director of Innovation

2. 1
Bankinter at a
Glance

3. Bankinter at a Glance
1. Universal bank with domestic focus in Spain.
2. A lean branch network supported by a multichannel
approach to distribution.
3. Segment diversification (50% gross income from
enterprises, 50% from individuals).
4. Specialized in affluent and mass affluent segments.
5. Over 4,300 employees.
6. Almost one million clients.
7. NPL ratio 4.0%. Less than half the Industry average.

4. 2
The Perfect
Moment

5. Internet is a mature environment in Spain
+38%
+10%
2008
2009
+27%
+23%
2010
2011
eCommerce Growth rate (Spain)

6. New devices generate new expectations
Clients expect excellent user experience.

7. Internet surfers have become active users.
Web surfers want to generate their own contents. Today it is not
enough to read contents on Internet.

8. In the Banking Industry, customer are demanding
changes
 It is not only a Corporate Reputation problem…
 ... but it also a matter of developing new products,
services and relationship models.
 Clients want a “more emotional” Banking.

9. An opportunity
 To considerate Internet as a market instead just as a
channel
 To catch clients online.
 To build an online 2.0 offer.
 To find an additional value generation model for the
Bank.

10. 3
COINC.
“Motivated Savings”

11. Introducing a New Brand

12. Introducing a New Brand

13. Introducing a New Brand

14. Introducing a New Brand
Save like never
before.

16. Target users
 For agile Internet Users with
aspirations of financial
responsibility…
 … a younger segment.

17. Target users
COINC uses a very different language than Bankinter
More direct, colloquial, funny

18. Positioning
COINC uses a very different language than Bankinter

19. Value proposition
 COINC is the online portal that helps you
achieve what you’ve always wanted, making
saving easy and even fun.
 Dynamic online environment reflecting the
latest trends in usability, tech and social.

20. Video

21. A very different relation model
Save for specific goals: a wedding, a trip, an iPAD, or
just save…

22. Gamification and personalization to motivate
savings

23. Easy tracking and total flexibility

24. 100% online, paper-free registration

25. Supported by a Bank deposit
 Remunerate with an Interest Rate.
 Possibility of withdrawing funds.
 Bankinter and Central Bank guarantees.

26. 4
Social

27. Saving with others
… and also a viral way
to catch new users.

28. Share personal goals with your network

29. Receive donations

30. And now… Collective Goals
Savings more
social, more
emotional.

31. And now… Collective Goals
Video

32. With Collective Goals COINC
becomes social

33. Gracias!
@coinc_es
@nicolas1968