Application | Commerzbank – a bank that emphasizes with me and my life.
How I see the relationship from human to money
As people's lives change, so does the bank's. Since 2020, digital transformation is no longer just a business model, but rather an opportunity to be agile and responsive to customers' needs.
People are also being transformed, in which the digital interface becomes the equivalent of the everyday problem solver.
Consequently, the "handling of money" is also changing and can be divided into three areas for humans ( a non-gender target btw), holistically speaking - if money always gives something back - why not a bank?
1.1 The wealth "management-modell" for a healthy relationship with money by Sandy Kauer
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#1 | Money should be in security
If my money is safe, than I am safe
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#2 | Money is invested as soon as it is spent
Everything I buy daily, weekly or long term planned is an investment that can turn from Temporary to Permanent
#3 | Money should work for me and increase in value
I am working for my money, and I am storing/ lending my money at/to commerzbank, it should be more at the end
1.2. Quote by Sandy Kauer
"Money is a seamless experience. Its in daily situations in your head. No matter where I am, when money comes into play, it's done very quickly through my cell phone."
#1 | Security : Integrate banking in daily life by just doing the job
A sneak of banking is the contextual integration into everyday life and the situation in which money flows. An example can be the purchase of an item at the flea market. The payment is made directly on the spot, and because money ends up in the account, it can also be reinvested right away, or saved.
Let us think further into the direction of digital coins or stable investments. The bank has just to do the job to pay something – transfer the money onto or out of an account, wich allows the bank to go into a lead position for money administration.
"I save some money to spend it without even thinking about the benefit"
"BITCOIN is money I play with, sure."
1.4. Quote by another anonym person
1.3. Quote by a anonym person
1.5. Keynote presentation for the concept of a transaction journey for mobile
#2 | Investing having a choice and making a decision
My hypothesis is that everyone watches their money. No matter if it is the purchase of a pair of jeans or a used car of the middle class. About the investment is influenced actively or subconsciously. If money is present, it is always prescribed to a purpose, no matter whether: Saving, spending, investing, putting back, or playing with it.
The important thing is to have a choice what to do with money. You need an account to deal with money. Means customers need a choice by taking an account. But how can this be consistent with marketing in the future? Subscriptions? Upgrades? Modular features and products? Here's an example of how customers can be wooed in the future, should you choose a free checking account:
1.6. Classic marketing model with upselling concept
