Bank of the future

How will banks of the future look like?

Finanser directed us a to BBVA, a spanish bank. Take a look:

Personalistion with total customisation, recommendation engines, comparison tools, aggregation, financial widgets, cross-platform and device neutral for both internet and mobile access, and more.

Developed by BBVA and Strands, BBVA Tú cuentas (You count, in Spanish) is an innovative personal finance tool that allows online users to manage their personal finances better, offering friendly analysis tools to better understand spending and savings. A 100% customizable interface, personalized suggestions, and versions for the iPhone, Blackberry and Nokia phones are some of the unique characteristics of BBVA Tú cuentas, being offered to BBVA customers.

BBVA has 4.1 million online customers performing over 1.3 billion annual online transactions. Strands Social Recommender, a key component in the solution, will help BBVA better understand its customers’ needs and behavior, offering them personalized suggestions of financial and non-financial products.

BBVA Tú cuentas is launched today in private beta with the following features:

– Analysis of personal financial information. BBVA Tú cuentas displays a graphical representation of the customers’ financial health, break-down of their income and expenses, as well as their evolution through time. Charts help customers better understand their finances and see whether they have done better or worse than planned over time.

– Categorization of transactions. BBVA Tú cuentas organizes all transactions into a series of categories, and customers can also use personal tags if they prefer them. Having data well organized can help customers make better financial decisions.

– Comparison tools. Customers can tag themselves and BBVA Tú cuentas will compare them to similar customers. Offering meaningful comparisons with similar customers will help people better understand their personal finances and put them into context.

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At Cequity, we believe customer intelligence will be the biggest competitive advantage enterprises will have in the next decade or two. Successful enterprises of tomorrow will be the ones who can organize and leverage this information at speed to optimize their marketing performance, increase accountability, improve profit and deliver growth. Cequity insights will bring to you trends and insights in this area and it’s our way of sharing best practices so as to help you accelerate this culture and thinking in your organization.
July 2008
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