DEUTSCHE BANK - Future Banking

Social Banking

Social Banking by Federico from argentina

designer's own words:

BISO is the first social Banking experience for middle to low incomes users, a mix between a telco and a Bank.

Mechanic : In stead of a bank account, IT will be a cell phone with a contract for 2 years and the account number will be their phone number. 100% mobile.

Problems: Low and variable incomes, don't trust in the banks, difficult access to technology and information, don't have proper financiation

Solution: savings, education, access to technology, access to proper financiation and investments, lending p2p, transparent and simple.


this is Mabel in the door of a small retail store doing a withdrawal, rhis will reduce the cost of the bank not just for branch maintenance but also for cash transfers, creating sustainable regional economies and constant cash flow

In this board we can see an example of how to integrate social networks and crowd purchases for wholesale prices in food. plus getting information to create a more accurate credit score


In this picture we can see the regular incomes, and how we could help them order their finance

This is the potential market share, how we could reach severall millions only in Latam, and the fusion of banking and mobile communications seems to be a natural next step.

A sample of the benchmarks page where they can compare their best options.

    have something to add? share your thoughts in our comments section below.
    all comments are reviewed for the purposes of moderation before publishing.

    comments policy
    LOG IN
    designboom's comment policy guidelines
    generally speaking, if we publish something, it's because we're genuinely interested in the subject. we hope you'll share this interest and if you know even more about it, please share! our goal in the discussion threads is to have good conversation and we prefer constructive opinions. we and our readers have fun with entertaining ones. designboom welcomes alerts about typos, incorrect names, and the like.
    the correction is at the discretion of the post editor and may not happen immediately.

    what if you disagree with what we or another commenter has to say?
    let's hear it! but please understand that offensive, inappropriate, or just plain annoying comments may be deleted or shortened.

    - please do not make racist, sexist, anti-semitic, homophobic or otherwise offensive comments.
    - please don't personally insult the writers or your fellow commenters.
    - please avoid using offensive words, replacing a few letters with asterisks is not a valid workaround.
    - please don't include your website or e-mail address in your comments for the purpose of self-promotion.
    - please respect jury verdicts and do not discuss offensively on the competition results
    (there is only one fist prize, and designboom usually asks renown professionals to help us to promote talent.
    in addition to the awarded designs, we do feel that almost all deserve our attention, that is why we publish
    the best 100-200 entries too.)

    a link is allowed in comments as long as they add value in the form of information, images, humor, etc. (links to the front page of your personal blog or website are not okay). unwelcome links (to commercial products or services of others, offensive material etc. ) will be redacted. and, ... yes, spam gets banned. no, we do not post fake comments.

    shortlisted entries

     
    ×
    keep up with our daily and weekly stories
    492,739 subscribers
    - see sample
    - see sample