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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Ricardo Gomez, Director, Operations & Technology - WiZink Bank – Spain & Portugal
"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
"The bank has undergone significant transformation of its card business on both the issuing and acquiring sides. One business partner we have looked to for support in the areas of strategy, major project leadership, management analysis and ongoing business support is Savantor. The Savantor team has contributed to our success as we have leveraged their deep industry knowledge and broad range of operational skills."
Sean Sheehan, Service Management Director - Bank of Ireland
"Savantor did an outstanding job of the review and I received nothing but positive feedback on the interaction with our management team."
Jeff Guthri, COO - Moneris Solutions - Canada
"It was a strategic imperative for the bank to be EMV compliant for our payment cards and the experience that Savantor brought to the company has proved to be invaluable."
Eddie Sweeney, Chief Technology Officer - AIB Bank - Ireland
"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
"I was impressed by the speed with which the Savantor team were able to start delivering and as a team they have made a significant contribution to the success of the Programme."
Bjorn Niels, Programme Director - ABN AMRO Bank - The Netherland
"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
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