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Mobile Account Opening: Adjusting to a New Normal

出版商 Mercator Advisory Group, Inc. 商品編碼 350801
出版日期 內容資訊 英文 39 Pages
商品交期: 最快1-2個工作天內
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透過行動途徑的開戶:適應新的標準 Mobile Account Opening: Adjusting to a New Normal
出版日期: 2016年01月27日 內容資訊: 英文 39 Pages



  • 形成消費者交易的行動、期待的趨勢及技術的檢討
  • 買方旅程與數位技術對金融商品的影響
  • 透過行動途徑開戶相關金融機關所面對的課題
  • 對金融機關的建議:重新設計適合智慧型手機和平板電腦的開戶流程與辨識、支援各種利用案例的指導
  • 透過現在可利用的行動途徑的開戶解決方案的檢討


  • Adobe
  • Amazon
  • AU10TIX
  • AuthenticID
  • Avoka
  • BankMobile
  • BehavioSec
  • Betterment
  • Cachet Financial Solutions
  • Credit Karma
  • Equifax
  • Experian
  • Google
  • Gro Solutions
  • ID Analytics
  • IDology
  • iovation
  • Jumio
  • Lending Club
  • Malauzai
  • miiCard
  • Mitek
  • MorphoTrust USA
  • OnDeck Capital
  • Payfone
  • Salesforce
  • Socure
  • SoFi
  • Synchrony
  • Trunomi
  • Trulioo
  • USAA
  • Yodlee
  • Zoot

The ubiquity of Internet-connected mobile devices is reshaping the preferences and expectations of consumers when it comes to acquiring products and services-in every industry. The financial services industry is no exception. Banks, credit unions, and other financial institutions (FIs) are already starting to see decreases in account opening through traditional channels like the branch and online as mobile-focused customer acquisition strategies have begun to take off.

Despite clear shifts in consumer preferences and behaviors, a majority of financial institutions do not currently allow their customers to select, apply for, and open new financial accounts entirely on a mobile device. There are a myriad of legal, technical, and institutional barriers standing in the way. None of these barriers is insurmountable, but collectively they represent a steep challenge for FIs to overcome.

Mercator Advisory Group's research report, ‘Mobile Account Opening: Adjusting to a New Normal’, reviews the trends driving consumer demand for and FIs' interest in mobile account opening (MAO) and outlines the challenges and potential solutions for enabling MAO for different financial products and customer use cases.

“Today, the mobile channel contributes a small trickle of new accounts for most banks. Within a few years, it will be a flood,” comments Alex Johnson, Director, Credit Advisory Service at Mercator Advisory Group and the author of the research report. “Changing consumer behaviors suggest an important role for mobile account opening moving forward, the question is when and how financial institutions should respond.”

This research report contains 39 pages and 18 exhibits.

Companies mentioned in this research note include: Adobe, Amazon, AU10TIX, AuthenticID, Avoka, BankMobile, BehavioSec, Betterment, Cachet Financial Solutions,, Credit Karma, Equifax, Experian, Google, Gro Solutions, ID Analytics, IDology, iovation, Jumio, Lending Club, Malauzai, miiCard, Mitek, MorphoTrust USA, OnDeck Capital, Payfone, Salesforce, Socure, SoFi, Synchrony, Trunomi, Trulioo, USAA, Yodlee, and Zoot.

One of the exhibits included in this report:

                        Source: Mercator Advisory Group

Highlights of the research report include:

  • A review of the trends and technologies reshaping consumers' commerce behaviors and expectations
  • An overview of the “buyer's journey” for financial products and the impact that digital technologies have had on it
  • Discussion of the challenges that financial institutions face in developing and deploying mobile account opening for customers
  • Recommendations for financial institutions on redesigning the account opening process to fit on smartphones and tablets, with specific guidance on identifying and supporting different use cases
  • Review of some of the leading mobile account opening solutions available in the market
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