1. Innotribe at LARC
Keeping up with the Pace
Latin America Regional Conference
June 2012

2. Our Speakers
• Guibert Englebienne
CTO & Co-Founder, Globant
• Ivan Dos Reis Passos
Head of Innovation, Itau-Unibanco
• Chris Conn
Sr. Business Manager, Initatives, Swift Americas
• Heather Schlegel
Innovation Leader, Innotribe, Swift Americas

3. Icebreaker
Write your answer to this question on a Post-it
Escreva sua resposta a essa pergunta em um post-it
Escribe tu respuesta a esta pregunta en un post-it
What are your challenges?
Quais são os seus desafios?
¿Cuáles son sus desafíos?
Stick it on the flipchart
Cole-o no flipchart
Pegue en el rotafolio

4. First Speaker
Guibert Englebienne
CTO & Co-Founder, Globant
Link

5. Second Speaker
Ivan Dos Reis Passos
Head of Innovation, Itau-Unibanco

6. Tales of Innovation at
Itau Unibanco
Ivan Passos – Innovation WMS
Swift LARC – June 26, 2012

10. Innovation at Work
CULTURE PROJECTS

23. What we bring to the organization
In-depth understanding Leave of absence from A constant look
of the customer the comfort zone into the future
Differentiated and higher value experiences to our customers

26. Third Speaker
Heather Schlegel
Innovation Leader, Innotribe, Swift Americas

28. Building Blocks
Innotribe is Swift‟s initiative
to enable collaborative innovation in financial services.
Castle & Sandbox Incubator
Innovation Challenge
Internal
Megaphones
The Team Innovation Proof of Concept
With passion
Part of
Designed for
Events interaction
The Network
The tribe
for collaboration
Technology
Boosting the
Trends
Start-Up Non-Technology
Financial Industry
Enablers group
Challenges

29. The History
• Innotribe Brand is born
• First Innovation Challenge
• Innotribe @Sibos (Amsterdam), 3 streams, 200 people
2009
• Megaphones - 3 innovation challenges
• Innotribe.com – 12 PoC‟s – Design team
• Innotribe @Sibos (Hong Kong), 6 streams, 1200 people
2010 • 12 events, internal + external
• Innotribe Incubator – 6 projects, 2 acceleration – Innotribe ENABLERS
• Start-up challenge
• Banks for a Better World (B4BW) first time
2011 • Innotribe @Sibos (Toronto), 8 streams, 2000 people
• 50 events, internal + external. First Innotribe conference in Mumbai, India
• 4 Start-up challenges - global
• 3 Innotribe conferences: New York, Bangkok and Belfast
• Acceleration fund
2012 • B4BW session at Davos, WEF
• Innotribe @Sibos (Osaka)

30. Incubator
The person
with an idea
?
The castle, the solid bedrock of your The sandbox, a safe environment
business with operational excellence. for experimentation.

31. Bringing the edge to the core
Corporate
Culture
Digital Identity
Social Finance Social Data
API‟s
Enablers
Enablers
Samico Cloud
DAG Enablers
Mercury
B4BW
LAP15 Future of
Money
Mash-ups
MyStandards
Dragonfly
Mobile Big Data
Enablers

32. Thought Leadership
Future of Money Scenario Videos
Fly Me to the Moon
Flowers For Grandma

33. Innotribe Events
Learning experiences, designed for interaction.
An interesting mix:
our Tribe
Corporate
Culture
Digital Identity
Social Data
Enablers
Cloud

34. The Network
our Tribe
+ 1,000 followers

35. Startup Challenge
Startup
Enablers
Financial Industry

36. Startup Challenge
Startup Challenge was initially an incubator project
in 2011:
Acceleration phase in 2012:
3 editions:
- Americas: feb. 8, NY
Winners: P2P Cash Technology, and Gust
- APAC: April 24, Singapore
+ final event!
Winners: PlayMoolah, and Pendo Systems
at Sibos Osaka (Japan):
- EMEA: June 14, Belfast
29 October – 1 November
Winners: …

37. The Team

38. Obrigado – Gracias – Thank you
Heather Schlegel
Innovation Leader
SWIFT Americas
Heather.schlegel@swift.com
+1.917.375.8630
Twitter @heathervescent
Innotribe: http://www.Innotribe.com
@Innotribe

39. Exercise
Small Group Discussion
Discussão em Pequenos Grupos
Discusión en grupos pequeños
• How can Innovation be fostered in your organization? Region?
• How can Innotribe help?
• Como pode ser promovida inovação na sua organização? Região?
• Como poderia Innotribe ajudar?
• ¿Cómo se fomentará la innovación en su organización? Región?
• ¿Cómo puede Innotribe ayudar?

41. Fourth Speaker
Chris Conn
Sr. Business Manager, Initatives, Swift Americas

42. Mobile payments
Three ways for banks to seize
this strategic opportunity
Latin America Regional Conference
June 2012

43. SWIFT’s role in mobile payments
SWIFT‟s current role in mobile payments
• Standards and best practice What should SWIFT
– Member of Mobey Forum do more
– Participate in new ISO standard for in mobile payments?
mobile payments and banking
• SWIFTRemit Which new
Platform for person-to-person collaborative solutions
payments, mobile-enabled can support banks’
• Thought leadership & innovation mobile payments
White paper, forums for dialogue like strategies?
Sibos, foster innovation through Innotribe
SWIFT Mobile Payments WP - LARC2012.pptx 43

44. SWIFT white paper on mobile payments
Mobile payments are a top priority for banks
Have specific challenges
What should banks do next: “sit back &
watch” or be pro-active?
Supported by collaborative solutions?
SWIFT Mobile Payments WP - LARC2012.pptx 44

45. Mobile payments: top priority for banks
Ubiquity Customer Growth
mobile phone adoption market
• World population: • 130 live services, 100 By 2015
7 billion more planned, new • 900 million customers
• Mobile phones: projects every week
• USD 1 trillion
5 billion • Mobile is fastest growing transaction value
• Bank accounts: payment technology
2 billion
SWIFT Mobile Payments WP - LARC2012.pptx 45

46. Select Latin American Countries
Source: mobiThinking – „State of mobile in Latin America‟, 2010
Yet 35% of Latin & Caribbean Americans have bank accounts - IADB
SWIFT Mobile Payments WP - LARC2012.pptx 46

47. Specific challenges for banks
Many new • Telcos, e-commerce companies now do payments
entrants • Money transfer operators & card companies invest
Immature • Many deployments but few with significant user base
business • Several in pilot, some stopped
Unclear • Up-sell for banks when payment becomes mobile?
business case • Revenue play in pure telco-led model?
Complex • Un-harmonised legal frameworks, evolving technology
matter • Need for partnerships, banks may lack expertise
SWIFT Mobile Payments WP - LARC2012.pptx 47

48. Three strategic opportunities for banks
Mobile Mobile Mobile
banking commerce money transfers
Use mobile phone to Use mobile phone to Use mobile phone to
access your bank account buy products send money to someone
SWIFT Mobile Payments WP - LARC2012.pptx 48

49. Obstacles to global adoption
• Legal frameworks not harmonised across
countries
• Balance risk versus financial inclusion
• Several countries took „proportionate approach‟
• No single provider covers whole world
• Several partnerships & joint ventures
• Divergent business objectives, views on
revenue sharing, mindsets, etc.
• Most systems are „closed loop‟, objective is
building critical mass
• Interoperability is needed for long term growth
• No global solution yet – only few bilateral links &
hubs
SWIFT Mobile Payments WP - LARC2012.pptx 49

50. Telcos are positioning for this business
Doing international
money transfers
Linking up
globally
SWIFT Mobile Payments WP - LARC2012.pptx 50

51. Banks more likely to win in money transfers?
Mobile network operators Banks
Today Many run domestic mobile Few have mobile payments
money transfer service service
• Now target international remittances • Mainly for proximity payments
• Are connecting to each other • Typically only for their customers
Tomorrow? A sustainable business? A good business?
• Payments not a core activity • Core business
• Small revenue ticket • Sizeable
• Increasing costs • High margin business
• Increasing competition • Increase size of the pie vs. MNO led
• Interoperability between MNOs?
SWIFT Mobile Payments WP - LARC2012.pptx 51

52. Features of global mobile payments service
Compelling and consistent offering
Open API Work off bank accounts
Brand neutral, allow
for differentiation
Run as agile, commercial company
SWIFT Mobile Payments WP - LARC2012.pptx 52

53. Who can bring banks together?
SWIFT
GSMA
Global
bank
collaboration on
mobile A vendor
Mobey Forum payments
ISO
SWIFT Mobile Payments WP - LARC2012.pptx 53

54. Conclusion: a shaping role for banks
Mobile payments can be a strategic opportunity
Take actions in mobile banking, mobile commerce
and mobile money transfers
Consider a bold move: develop a global person-to-
person payments service that is mobile-enabled
SWIFT Mobile Payments WP - LARC2012.pptx 54

55. Questions & Answers
?
SWIFT Latin American Regional Conference - 2012 25-26 June 2012 55

56. Thank you
Chris Conn
Banking & Corporate Initiatives
SWIFT Americas
chris.conn@swift.com
+1.212.455.1812
Download the white paper at:
http://www.swift.com/about_swift/White_papers
SWIFT Mobile Payments WP - LARC2012.pptx 56

57. Exercise
Small Group Discussion
Discussão em Pequenos Grupos
Discusión en grupos pequeños
• What would it take to enable mobile payments?
• O que seria necessário para permitir pagamentos por celular?
• ¿Qué hace falta para los pagos móviles?