Folks say banking can’t be fun, and some go further and suggest financial institutions shouldn’t even try. The Efma–Accenture Banking Innovation awards program is an initiative which aims to identify and award the most innovative projects in the retail banking sector at a global level. The 24 selected customers had to complete their tasks within 24 hours. HSBC printed origami folding instructions on the back of its ATM receipts. Offer a Good In-Person Experience. The Emotional Approach – Tell A Story At its most basic level, many bank business development officers falter by simply presenting the attributes of a bank product. The goal is to stand out from the competition in a highly commoditized industry and to challenge consumer’s perception of the value of DBS Bank. You’ve probably heard the expression, “Money doesn’t grow on trees.” Well in Australia, that doesn’t seem to be the case, where one bank placed a tree full of $5 notes in Syndey’s Fleet Park, then used hidden cameras to record people’s reactions. Fun banks and credit unions will perform their own rendition and share it on YouTube. Put Easter eggs on your website. Facebook Tips was created to leverage digital assistants such as Siri as well as financial services like Mint, providing the advantages of each: proactivity, analysis of financial behavior, machine learning, provision of recommendations for everyday tasks, etc. This article was originally published on October 30, 2017. address one or more of the following business requirements: • Mergers or acquisitions by a bank. Twitter Manage your business bank account at the office, at home, and on the go – register for EasyWeb online banking or download the TD app. This includes the car loan, insurance, the acquisition of a license plate and even breakdown assistance. Idea Bank started its Idea Hub project in early 2015, with almost 30,000 visitors having stepped into these unique business banking centers. Innovations in ten categories are recognized, including two overarching awards for Global Innovator of the Year. Check out these 10 creative bank marketing ideas that you may not have thought of. Here at 21st Century Bank, we believe all organizations deserve the extra attention. That’s what TD Bank did in their #MakeTodayCount campaign. There’s nothing like getting dumped. These community bank marketing ideas are so good you’ll want to steal, or at least copy them. 101 Fun Marketing Ideas for Banks & Credit Unions 1. “What’s your name?”. Using an elaborate mix of marketing media, NAB announced that it would be “breaking up” with its competitors. And Barclays in the UK built 56 Sage Street, which is perhaps the single best online interactive game ever developed by a financial institution. You can follow Jim on Twitter and LinkedIn, or visit his professional website. These were set up mainly by businessmen who wanted to add banking to their portfolios and satisfied a demand. The question that gets asked at almost every gathering of financial services executives is, “What institution is the best innovator in banking?” or “Where is most innovation in banking taking place?” Luckily there are trade organizations such as Efma (an association of 3,300 financial institutions in 130 countries) and the Bank Administration Institute (BAI) that have annual competitions to recognize the best in the financial services industry. By centralizing and automating the process, all parties to the transaction benefit. The question is, how can they harness its power to deliver hyper-personalized experiences? ING Direct glued loose change to a street level display and let people pick off all the coins to reveal the message: “Tired of being nickel and dimed?”. We asked financial institutions about COVID-19’s effect on how they conduct business and connect with consumers. Use Testimonials Wisely. These days, video game designers know that Easter eggs are mandatory in every title they release. As leadership passed from one generation to the next, learn how Guaranty Bank & Trust preserved its local flavor even as it embraced a new vision of growth. All involved parties are waiting for the customer to move the process forward. COVID might be a catalyst for change that drives the industry forward—but what will lending look like post-pandemic? The My Car program makes the actual payment of a car hassle-free while reducing fraud. “Well that’s honest of you,” says the agent staffing the Lost Property kiosk. They can earn points, honors, badges and discounts for credit-score improvements, savings gains, debt reductions and other measures of financial fitness and goal achievement. One part of marketing that often gets overlooked is marketing to … Our Small Business Loan is designed to help you quickly and easily access the funds you need with flexible terms you can afford*. This live webinar will focus on using data to build the ideal journey – identify pain points and implement differentiators across the board for a winning user experience. Ask participants to find the answers to five questions. Coast Capital Savings asked people to sign a giant 8′x10′ greeting card that “congratulated” big banks for the $3 billion in fees that they charge Canadians annually. The Canadian institution had their “I Love Fees” street team collecting signatures on the mock greeting card at various public locations. All content © 2021 by The Financial Brand and may not be reproduced by any means without permission. Don’t be afraid to put a giant callout on your layouts that screams, “Here’s the fine print!” Or you could refer to disclosures as “some stuff our lawyers want you to know.” Put some jokey stuff in your fine print: “Our free checking account may contain peanuts, but we doubt it. We spend about 20 percent of our time evaluating the deal based on strategy and growth potential, and about 80 percent of our time evaluating underlying business, compliance and regulatory risk. A Sample Bank Business Plan Template 1. Please use a corporate/work email address instead. Also, Donuts” – lol . Maximize your unique resources: ATMs! Industry Overview. Do they return the wallets? A number of financial institutions are having fun with cash mobs, which help position them as supportive of small businesses. YouTube. These goals will not only improve you in the long run but also improve the overall running of the business. “Luke,” he says. Sometimes, you need to act fast to grab opportunities or conquer challenges. The Development of the Banking System . Travelers can also use the available office equipment (printers and scanners), phone chargers, Wifi connections, as well as coffee makers, and read a selection of newspapers delivered every day. Take a page from their gamification playbook and hide some fun little gems on your website. Download this insightful perspective on the changes in the financial services industry and what relevant actions are required to rise to these challenging times. BB&T, a regional bank in the U.S., promoted leadership skills in a game for iPads, iPhones and other mobile devices. You could put cash in them, with a little note from the CEO. Register now. A blogging strategy for your bank can increase traffic to your site, build your social media … Do you need a new auto loan?” Ugh. Establish a culture of business development energy and enthusiasm. Keep an eye on brands like Virgin Money, Southwest Airlines, Old Spice, Charmin, Tangerine (ne ING Direct), Taco Bell, Disney, JetBlue, Oreo and Wonderful Pistachios, just to name a few. Coast Capital Savings used to have a virtual greeter named “Julie” on their website who would answer questions from users. DBS Bank (Singapore) won the Digital Marketing award for its very unique DBS Sparks mini-series, which was inspired by real client stories. This is the stage of your business development plan where you shape your ideas into an action plan. Join us as we explore together. Vancity sorted over 60,000 pennies — now out of circulation in Canada — by color and tarnish level, then glued them to a massive billboard to create a mosaic masterpiece. Discover the five overnight changes affecting banking engagement. This program is in it’s fifth year, with the aim of sharing worldwide best practices in the retail banking distribution and marketing arena. Using the fear strategy: Most often the best strategy to close a deal will be to sell on ‘fear’ strategy. Formally document the session into a Business Development Plan capturing all the paper chart notes, key activities and agreed next steps. This is the reason why you should set personal development goals in your workplace. Michigan First Credit Union – Everybody Dance Now. In fact, some callers would ask to be put back on hold so they could hear the punchlines to some of the jokes! The Financial Brand - Ideas and Insights for Financial Marketers, Intelligent CRM for Financial Institutions. The categories are: A total of 183 financial institutions from 59 countries submitted 467 innovations for the 10 award categories in 2017. Uncover the hidden growth opportunities in your bank. No fur-bearing animals were harmed in the creation of these marketing materials.”. For instance, loyal customers of In-and-Out Burger know there’s a secret menu. Launching a successful new digital-banking business requires a marriage of traditional consumer research and a deep, real-time understanding of the behavior and pain points of individual customers. You could put clues for a scavenger hunt or trivia game inside. The objective is to make the digital assistant, at a certain abstract level, generate and provide clients with advice, without interference from content managers. You can pick up the tab for a family’s dinner, or surprise a local fire department with a free lunch, or pay for someone’s gas. When flying Southwest Airlines, it’s not unusual to hear employees trying their hand at standup comedy or singing songs — “Yes, there is a smoking section on this flight. Eastern Bank hid some GoPro video cameras in secret locations around their market, then gave consumers clues to find them on the bank’s Facebook page. People hate waiting on hold because usually pre-recorded messages are... 2. But there’s no reason to hide (is there?). You don’t have to go quite as far as NAB. That is why we have a specialized Business Development / Business Banking team – to work closely with new and current customers to assess their banking services, identify the shortfalls, and present options best suited to their non-profit or small business. Now examine the “good” ideas. You can use your help wanted ads to position your organization with a fun personality and attract the kind of talent you need. NAB said it had “moved on” by abolishing fees, offering better interest rates, improving access to ATMs, and supporting local businesses when other banks wouldn’t. Business development encompasses a wide scope of ideas, activities, and initiatives that a business owner and management implement with the goal of making the business better. If a client says several times that he/she is not interested in the advice on a specific topic, the system decides if it is bad advice, or if the client is not interested in such advice. This article was originally published on November 25, 2013. Please feel free to step out on the wing if you need to light up.” You could even have employees wear buttons that say, “Wanna hear a joke?”. An affordable online Refer-a-Friend Program that really works. That’s what NAB, one of Australia’s four biggest banks, did to its rivals Commonwealth, ANZ and Westpac. There are all kinds of ways to have fun with “lost” wallets. Want Insight on the Latest Digital Payment Trends? Here’s What Your Institution Can Do to Plan for the Future. Thank you for your patience. That’s what fun brands do: they are always looking for ways to liven up mundane processes and objects. If you see another brand doing something fun, add the idea to your “fun file.”. But you’ve heard the expression “time flies when you’re having fun,” so why not make banking fun and help consumers get it over with faster? Back in 2008 when the “LOL Cats” meme was a viral phenomenon, one credit union gave away cheeseburgers to college kids who opened new accounts, using a photo of a fat cat with the headline, “I can has cheezburger?” Every now and then a dance routine like the Harlem Shake comes along. Then TD selected the 24 best ideas in 24 communities and gave them each $30,000 to bring their ideas to life. This may be an excellent vehicle for other banks fwith operations in higher unbanked and underbanked markets, where trust in banking is suspect. Download this executive-level study examining the critical role of intelligent CRM tools when building digital relationships. If conditions persist, see a physician or call [Your Phone Number]. Core banking systems are implemented to . If you want someone to take action or do something differently than they have in the past, you’re going to have to incent/reward those behaviors. As leadership passed from one generation to the next, learn how Guaranty Bank & Trust preserved its local flavor even as it embraced a new vision of growth. A very low interest rate is often approved when a loan is for a (new) car. Due to huge volumes of spam submissions, and issues with email providers like Gmail, Yahoo, AOL, Hotmail, Outlook and others blocking our newsletters, we no longer allow subscriptions from these providers. But that’s where marketing can step in. Business Rule Engines: Business rules that can be automated in a system. Here’s one that Wells Fargo did in Times Square back in 2011. You can use either a vintage one from a second-hand store like Town & Country Credit Union (below), or you can pick one up at Toys-R-Us. Fun brands entertain callers that they have to put on hold. Artificial Intelligence. Find out how growing demand for digital payments is shaping the current payments landscape for financial institutions. The Business Development Officer is responsible for developing and managing business banking relationships in accordance with Fidelity…SUMMARY: Supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement… You’d think people would mob the tree and strip it bare, but they didn’t. Banking Technology Trends You should always be looking for ways to get people to stop and say, “Heh, that’s neat! Instead of looking at the past, the goal was to look forward and provide recommendations around what is expected to occur in the future. If you want people to change ingrained habits, you’re going to have to make it fun. The digital assistant accumulates feedback from clients and uses it for self-training. By Jeffry Pilcher, CEO/President and Founder of The Financial Brand. BDC services are made available through a broad network of more than 100 business centres across Canada. “Business development” means meeting with bankers, lenders, and other financiers to discuss companies they find interesting, contacting or meeting directly with companies, and so on. Southwest Airlines had an on-hold routine loaded with humorous bits about low fares, fun destinations, baggage fees, etc. This award was the only one voted on at the awards ceremony, after six finalists pitched their innovations live to gain votes from attendees onsite and online. corporate development teams from some of the world’s largestbanking institutions. “I found these laying on the ground over there,” he explains, handing the tickets over. • Business Activity Monitoring: Visibility of the system processes currently in use. One car dealer mentioned that up to 50% of his customers can’t pay their car on their first appointment. It actually made sitting on hold a pleasant experience. Our Small Business Banking Commitment You can count on our Account Managers to help you run your business more effectively. Want Insight on the Latest Digital Payment Trends? The app provides insight on crop rotations, planting, watering and fertilizing, and even integrates the ability to review and purchase farm machinery. Idea Hub Express in aligned with Idea Bank’s corporate strategy of supporting SME owners in their daily chores, and it is a continuation of banking co-working project – Idea Hub. According to global banking industry reports, part of the broad financial services market, bank credit remain the leading market segment, with around 60% of the overall market in terms of value. Consumers hate banking — it’s a burden, a chore. Here’s 101 ideas for you, broken into four pages. Cultural fads make great marketing fodder. Can Financial Institutions Act Like Amazon? Sberbank (Russian Federation) took home the Big Data, Analytics & AI award for “Tips” in Sberbank Online, an artificial-intelligence-based tool that helps users change their financial habits for the better, saving them money, time and effort. Never seen that before!”, Most financial institutions try to hide their legal copy — almost as if they were ashamed of it — by burying it in microscopic type at the very bottom of layouts. Bank portfolios are chock full of loans to industries — think agriculture, tourism, real estate and energy — that could be particularly hard hit by warming temperatures. In business like Retail Banking , networking is very important tool , therefore keep networking all the time , give our business card to everyone , … As Jim Bruene at Netbanker suggests, you can create a program that allows your customers/members to play financial games and keep score against themselves and peers. A massive 20-foot display in the center of the mall screams, “Thanks for your honesty!” As if that weren’t enough, a baker inside the mall has decorated a cake in his honor. The agricultural banking app from DenizBank shows the potential for banking to be at the center of a lifestyle ecosystem, going far beyond a traditional banking application. Come learn why 2021 is shaping up to be community financial institutions’ time to rebound, and why your CEO should lead the charge. Facebook Get people to explore your online channels (e.g., website, Facebook) with a scavenger hunt. The winners were selected through a combination of votes by a panel of senior retail banking judges and by Efma members and non-members online. Or you could make them resemble a real person’s wallet, then film how people react when they find the wallets? It’s not hard to imagine, for example, persistent droughts wiping out corn and soybean crops and forcing ski resorts to … LinkedIn Cars are open to all passengers holding a valid ticket, but Idea Bank customers have priority in taking the available seats. In addition, the longer format (YouTube platform) also helped convey the stories with more depth versus a 30 or 60 second television spot while still keeping audiences entertained. The Sparks Episodes 1-7 and their trailers have amassed over 100 million views and over 11 million digital engagements across DBS markets (Singapore, Hong Kong, Taiwan, Indonesia and China). A flash mob is a group of people who assemble suddenly in a public place, perform an unusual act, often a dance routine or musical performance. • Implementing a community bank marketing plan is a great way to combat this perception while promoting your bank at the same time. To make banking fun, you need to be an imaginative student of gamification. That’s what Coast Capital did back in 2008 with this creative ad sporting the headline, “Wanted: Marketing People. True, the mechanics of banking are largely fixed — difficult to change and hard to transform into a fun experience (sucky things like math and bills are involved). How can you get consumers to see something that’s usually rote and boring as fresh and innovative? An Easter egg is an intentional inside … “Honest Luke,” it says in blue, sugary letters. The benefit of this type of application is the ability to distribute expertise digitally, saving time for both the bank and the farmer. It is a co-working space that allows train passengers, often traveling on business trips, to make better use of their time while in transit, while also benefitting from Idea Bank services. Increase cross-selling, upselling, and internal referral generation so your team is selling the full set of the bank’s products and services. … This is a great way to get people to poke around a relaunched/redesigned website. I was fortunate enough to be co-master of ceremonies for this year’s event, where bronze, silver and gold awards were presented. These non-banking capabilities are brought to the app through strategic partnerships with regional experts who are available on call to provide assistance to farmers in need. It has also served to position Idea Bank as the best banking solution for small businesses and entrepreneurs who need help starting their businesses. To get the biggest bang for your buck, announce when, where and for how long the ATM(s) will be loaded with bonus hundreds, then alert the press. DenizBank (Turkey) won the Best New Product or Service award for their Augmented Agricultural Banking App. But if you asked Julie to tell you a joke, she would. Download this executive-level study examining the critical role of intelligent CRM tools when building digital relationships. Blockchain technology is used to ensure a shared source of truth and central place of workflow. Spread the Love to Gen Z. Millennials are still the darlings of the marketing world, but Generation Z … The day after Valentine’s Day, NAB delivered an open letter to competitors that reads like a Dear John letter. Cash mobs play off the idea of flash mobs, but instead of performing a song and dance routine, a group of folks get together and flood a local, independent business, each ready to spend about $20. Our terms and conditions don’t change without due cause. Learn about how Zogo's financial education app uses gamification to attract Gen Z to FIs. This live webinar will focus on using data to build the ideal journey – identify pain points and implement differentiators across the board for a winning user experience. The Financial Brand - Ideas and Insights for Financial Marketers, Intelligent CRM for Financial Institutions. Twitter That’s what Industrial Credit Union did when they wanted to draw attention to a new branch location they opened. Summit Credit Union repeated the stunt in 2010 with similar results. All content © 2021 by The Financial Brand and may not be reproduced by any means without permission. On the basis of this feedback, the digital assistant will continuously improve its advice targeting skills with respect to the broader audience. Not switching to [Your Bank] may result in itching, redness and occasional fainting. Many institutions face strong economic headwinds sailing into 2021, but there are measures you can take to weather the storm. Planning & Business Development Officer/Senior Officer will be part of the Strategy & Business Development team within the SME Banking Group. Artificial Intelligence – AI – is a high-level term for different technologies, … How Pineapples Are Helping Financial Institutions Attract Gen Z, Here’s What Your Institution Can Do to Plan for the Future, Steps for Post-COVID Mortgage Lending Success, 74% Surveyed Experienced Double-Digit Growth in Digital Banking Adoption, Digital Innovation Transforming the Banking Industry, Accelerate Customer Usage of All Your Digital Banking Capabilities, How Checking Can Generate 68% More Loan Volume, Digital Strategy Lessons from Other Industries, How to Survive and Thrive in 2021 and Beyond, Why Video Banking is Thriving & What’s Next, A Modern Bank Brand Builds on its Branch Network Strategy, Global Innovator of the Year (both Challenger and Established players). Be playful with disclosures, and prove that they don’t have to be dull and stuffy just because the law requires them. The customer perception that the only difference between banks is their price is one that will hurt your business. You can just come up with a witty headline, like PFCU did below for this bus wrap. An affordable online Refer-a-Friend Program that really works. Get some branded wallets, load them with coupons for your financial products, then drop them around various public locations. The three criteria used for evaluation included: originality; strategic capacity to generate long-term competitive edge and return on investment; and adaptability for use in other markets and countries. “Is this the new face of honesty?” asks one poster sporting Luke’s photo. Randomly swap out a few $20s with $50s or $100s in one ATM (or more). The initial assumptions about the poor customer experience around buying a car, fraud and rationale for the project were confirmed: Jim Marous is co-publisher of The Financial Brand, host of the Banking Transformed podcast and owner/CEO of the Digital Banking Report, a subscription-based publication that provides deep insights into the digitization of banking, with over 200 reports in the digital archive available to subscribers. Then put a sign next to it about your current auto loan promotion/rates. Put comedy routines into your on-hold messages. Idea Bank (Poland) which focuses on entrepreneurs’ segment, won the Phygital Distribution category with “Idea Hub Express,” the first bank branch on tracks. Please use a corporate/work email address instead. The order serves as proof that there actually is a car to sell when the payback of the loan stalls. Is your mobile experience meeting consumer demands? Idea Bank started its Idea Hub project in early 2015, with almost 30,000 visitors having stepped into these unique business banking centers. Idea Hub Express in aligned with Idea Bank’s corporate strategy of supporting SME owners in their daily chores, and it is a continuation of banking co-working project – Idea Hub. On Valentine’s Day. Idea Hub Express train cars, adopted for office work, feature tables, comfortable chairs and a screen for presentations. If you asked about “checking accounts,” it would trigger a video response from Julie. One credit union did this and doubled their web traffic. It’s a fascinating psychology experiment that yield great PR opportunities. This field is for validation purposes and should be left unchanged. Many institutions face strong economic headwinds sailing into 2021, but there are measures you can take to weather the storm. Here’s a great gag from NAB, the undisputed king of guerilla marketing in the banking world. Business Development: I spend the last 25% of my time here. Moments later, as Luke continues his stroll through the mall, he sees his name and face plastered everywhere — on posters and video displays. You could print jokes, cartoons or fun facts. Discover the full range of business solutions and services from National Bank, your partner for over 150 years. Banks and credit unions might have even more data than Amazon. It earned the bank some great free press, and spiked traffic to their website by 20%. Into these unique business banking centers payments is shaping the current payments landscape for financial Marketers, intelligent CRM when... Fear strategy: Most often the best banking solution for Small businesses and entrepreneurs who need help starting businesses!, baggage fees, etc in one ATM ( or more ) day, those wanted! Explore your online channels ( e.g., website, Facebook ) with a scavenger.! 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