Presention by Brett King during the Backbase Online Banking 2.0 webinar, october 28, 2010.

1. THE BIG SHIFT The 3 Phases of Customer Behaviour Disruption

5. “ The world is changing very fast. Big will not beat small anymore... it will be the fast beating the slow .” Rupert Murdoch, 79

8. 1 Internet gives Control & Choice THE BIG SHIFT The 3 Phases of Customer Behaviour Disruption

11. 300% $ Increase Since Jan 09 15% Online as % of Retail Deposits Market Source: Reuters x2

14. I trust my network more than I trust your brand...

15. Does your bank require all social media efforts to be vetted by compliance first? source: ABA Banking Journal Who’s your dedicated Head of Social Media?

16. 2 Mobility gives Anywhere & Anytime THE BIG SHIFT The 3 Phases of Customer Behaviour Disruption

17. Mobility Usability

21. 3 MobilePayments gets us Ubiquitous & Cashless THE BIG SHIFT The 3 Phases of Customer Behaviour Disruption

22. Who is in charge of phasing out cheques?

24. Why are we still offering cheque accounts and not mobile phones?

25. How will I apply for a credit card if there is no plastic?

29. Designing the THE BIG SHIFT

33. Ad impressions per day (based on 100 Million units sold) 1 Billion iAd

34. Data Who? When? Why? How? Where?

38. Simplicity THE BIG SHIFT It’s not about channel, it’s not about technology Engagement

39. Out Now! Follow me on Twitter: @brettking Email me: [email_address]