Still obviously delerious from no sleep (new baby you see), I started thinking about what a bank designed from the customer up would look like in a 2010 digital world.
Would welcome your comments.....
1. Follow Google's philosophy - 'don't be evil'
2. Publish my credit rating on my OLB account, with suggestions as to what it will allow me to do (e.g. Borrow to buy a new house, start a business etc)
3. Give me tips 'social network style' as to how I can improve my credit rating
4. Recommend me to a suite of professional advisers and their services (lawyer, accountant, estate agent, recruitment consultannt)
5. Introduce me to other like minded customers (ie business networks)
6. Offer me competitive priced products (boring but important)
7.Offer me Life Time Value based pricing on bundles of products for a minimum contracted committment, say of 3 years
8.Send me personalised news / thoughpieces on the types of investment (e.g commodities / ethical investments) I have told them I am interested in.
9.Give me a suite of tools and calculators including simulators / scenario planning tools to better understand my own 'What If's'
10.Be accessible 24/7 via phone and internet
11. Offer me incentives and discounts for virally introducing new customers.
Let me know what you think....
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