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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Robert Lambert, Head of Cards Strategy - Permanent tsb bank - Ireland
"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
"The expertise provided by Savantor has greatly helped us evaluate our risk position and to take the right steps in managing our future risks. Strong, disciplined planning and an ongoing willingness to work closely with our staff played an enormous part in making this a very successful well-delivered project which will greatly help us in achieving our business goals."
Mark Healy, Chief Risk Officer - NEOVIA Financial - UK
"We needed a programme manager for a complex transformation who also brought a broad understanding to help stakeholders through the change. We have been delighted with the delivery and outcomes from this engagement with Savantor."
Michael Liquornik, Executive Vice President - Neovia Financial - UK
"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
"After searching extensively for the required industry expert in a complex litigation, Savantor was identified to have the necessary industry knowledge and expertise on a range of complex issues. Savantor provided clear advice and was able to quickly hone in on the key issues, but most importantly, generating pragmatic winnable answers."
Gavin Ingram, General Counsel & VP Strategic Planning - Global Blue - Asia Pacific
"Savantor's knowledge and experience were the key differentiators in selecting them and they contributed greatly to the success of the product launch and the effectiveness of the ongoing operational service."
Toine Schepers, Operations Director - Primeline - The Netherlands
"Savantor brought an independent perspective and valuable insight that enabled Rabobank to ratify options for delivery and future growth and make informed business decisions in support of our target business model. Having used Savantor on a number of strategic projects, we have no hesitation in recommending their services to others."
Evert R Fekkes, SVP Payment & Savings Services - Rabobank - Nederland
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