Last night, I exchanged a few emails with Jon Gaskell - Co-Founder of Smartypig. Jon gave me the heads up and informed me of today's major announcements from the Des Moines-based leader in online goal-oriented social savings.
Le theme de la gestion de budget, Personal Finance Management (PFM) en anglais, est l'un des themes les plus presents dans les conversations liees aux medias sociaux et a l'innovation dans l'industrie bancaire.
Mais peut-on reellement parler d'innovation? Peut-etre en France, certainement pas aux US.
2011 has been a busy year for mobile banking with the tremendous growth of smartphone penetration and the increasing consumer interest for tablets. In the last twelve months, we saw litteraly dozens and dozens of new mobile banking and mobile payment apps (mainly on iphone, ipad, android).
But most apps only offer basic features. Few are transactional. Fewer are innovative.
One of the key questions I always get asked about twitter is what's the best strategy regarding number of accounts: one multi-purpose account 'a la UBank' in Australia versus specific accounts for PR, HR or customer support 'a la Bank of America' in the US.
Today, Aviva UK took its twitter presence to the next level.
In the last couple of years, US banks have invested significant budget and resources to provide timely customer care on the most popular micro-blogging service with the likes of Citi (@AskCiti), Wells Fargo (@Ask_WellsFargo), American Express (AskAmex) or Bank of America (@BofA_Help).
Unsurprisingly, those accounts are among the most active financial services accounts worldwide, and respectively #85, #58, #40 and #25 in our Visible Banking Twitter Watch series (the ranking is based on the size of the follower bases of over 1,600 FS accounts in 72 countries).
Brands and Customer Care on Twitter (a Global Report) My team is working putting together the most comprehensive and insightful report ever produced on customer support on twitter globally. For months, we've been tracking over 220 accounts in 13 countries from financial services firms, but also FMCG, media, travel... Please reach out to us to confirm your interest.
Earlier today, Barclays Bank officially launched @BarclaysOnline its twitter account dedicated to customer support. But how innovative is that move in the conservative UK banking industry?
I've just come back from three productive weeks in Singapore and Australia. I still can't believe how perfect the timing of my trip to Sydney was: in addition to the few social media workshops I had lined up with some major australian financial institutions and my book launch party, Commonwealth Bank of Australia launched 'Kaching' its industry-leading mobile payment application for iPhone (based on true real-time banking, provided by their recently redesigned core banking system) and Pollenizer officially launched Pygg.co, a service which gives twitter users the opportunity to send and receive payments via PayPal.
I had the opportunity to talk the crowd (30+ journalists, students and financial services professionals) through the story behind Visible-Banking.com and my book, and answer questions from an engaged audience.
I'm currently in the middle of the Visible Banking Asia Pacific tour. I've landed in Sydney a couple of days ago after a successful week in Singapore ponctuated, among other things, by a social media workshop in Bangkok and a well attended book launch party with the likes of Standard Chartered, OCBC, DBS Bank, Maybank, Visa.
The leading Australian bank, which has started to celebrate its 100 years, did a good job building the level of excitement and interest with this well executed product launch. Well done to Tracy and her PR colleagues.
This initiative reminded me of FNB's recent event to support the launch of their own mobile banking app for smartphones. The South African bank's launch was extremely smart and successful: the bank invited a lot of influencial and vocal bloggers which helped them generate a lot of buzz online, sustain excellent conversations and capture valuable feedback from the get go, trend on twitter for days, and earn a high volume of online coverage (earned media).
My expectations were high. So, how innovative is CBA's new mobile app? And how successful was the PR launch event? Let's find out now.
“Christophe's book is really the must-have synopsis of the current state-of-play in social media in banking. Christophe has taken a deep passion for the topic, and turned it into an account of the landscape valuable to anyone who has social media responsibilities in financial services” James Gardner, General Manager at Spigit
“Christophe is extremely well informed about the banking and financial services industries. He's at all the right conferences, and digs deep with his interviews of all the influencers and innovators. He's also a tremendously nice guy :-)” Aaron Patzer, Founder & CEO at Mint Software
“Christophe seems to have his finger on the pulse of the financial services industry. Visible Banking has become "the" source of information for innovations in the financial services industry.” Tim Collins, SVP-Experiential Marketing at Wells Fargo