An increasing number of studies are indicating that consumers are getting more relaxed about using their mobiles for a variety of banking transactions. One recent study for Intelligent Environments illustrated this particularly well even producing a profile of different smartphone users. So which one are you?
iPhone profile: the 'adventurous' smartphone user
· The heaviest and most 'addicted' smartphone users with 43% spending more than 2 hours a day on their phones versus 33%of Android and 31% of Blackberry owners.
· Most likely to jump on their phones once they wake up (23%) and before they go to bed (26%) compared to other smartphone users. Also, favourites to regularly use their smartphone while on the loo (35%).
· Eager to access banking services via their phones: 69% would check their balance, 46% would pay their bills and 62% don't mind transferring funds, all through their mobiles.
· Still debt-laden: 17% admit that their main bank account is always overdrawn, compared to an average 11%of all Britons.
BlackBerry profile: the 'sensible' smartphone user
· Not 'obsessed': many (38%) spend less than an hour on their phones in a day
· Still more prudent with their cash compared to other smartphone users: only 14% say they are always overdrawn, compared with Android (17%) and Apple (17%), and now more BlackBerry users (55%) never go into the red than a few months ago (49%).
· Least inclined to want to receive special banking offers via their phone: 4% compared to 12% of Android users and 17% of iPhone users.
Android profile: the 'unpredictable' smartphone user
· Spend less time on their phone during the morning: 14% versus 15% of Blackberry users and 22% of iPhone users.
· But most likely to jump on their phone straight after leaving work, comparing Android (30 per cent), iPhone (26%) and BlackBerry (22%) users.
· More likely to be "always overdrawn" than a few months ago: 17% in July versus 14% in March.
· Keen on 'wave and pay' purchasing: 27% would swipe their phone across a payment reader to pay for goods compared to an average 13% of all Britons.
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"Savantor did a superb job in confirming what we believed was an area of weakness. The detail we now have will enable us to agree internally what we need to do to improve structure, control and income. Nationwide management were very impressed with the quality of the Savantor team."
Adam Slater, Senior Manager - Banking - Nationwide Building Society - UK
"Execution at its best. We're delighted that this project has been truly outstanding and received an award from 'The Banker'. Savantor provided crucial expertise that helped us keep all our promises in terms of delivery. The scheduling, planning and control regime throughout was excellent."
Chris Mason, Director - Commercial Cards EMEA - Citi - UK
"We needed expert help at short notice and Savantor were very impressive in their response and knowledge. The results were very clear and useful, enabling us to quickly make good progress on the next steps."
Sami Karhunen, Head of Business Intelligence and SME Sales - Point Transaction Systems Oy - Finland
"Savantor successfully advised Rabobank during preparing of the platform migration for cards. Savantor demonstrated thorough knowledge of business processes and market players combined with a practical approach."
Evert Fekkes, Business Information Manager - Rabobank - Nederland
"Savantor brought an effective blend of European acquirer market expertise and transaction processing solution design. Their experts quickly forged strong working relationships with our team. We enjoyed working with them to create our future acquirer strategy."
Mikko Hyttinen, SVP - Lending Services - OP-Pohjola Group - Finland
"This was a major business transformation that required us to build an excellent team made up of internal bank specialists, supported by external card business, technical and operations expertise. Savantor provided specialists from the local market and with international experience to fill a variety of important roles. The Savantor resourcing team are professional, reliable and good people to work with."
Ricardo Gomez, Director - Operations & Technology - WiZink Bank - Spain
"Savantor helped ACI build a payments onboarding workshop for new technical staff in ACI EMEA. Their extensive experience took our outline and built a great starting presentation of industry facts that we have now customised further into a half day session that is used for all new joiners. Our Americas and APAC regions have also taken the material and customised it for their regions. A great job by Savantor has meant new joiners to ACI hit the ground running."
Richard Sanders, Principal Solution Consultant - ACI - Worldwide EMEA
"OP-Pohjola Group has used Savantors help in numerous different specialist projects differing from risk assessment to management tool creation to transaction analysis. We have been very satisfied by the quality of the service provided by Savantor's experts."
Kai Lindstrom, Head of Acquiring - OP-Services Ltd - Finland
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