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Diebold has unveiled an ATM that can be used for cardless withdrawals
USA | January 2013


Diebold, the American ATM manufacturer recently presented its new ATM at the Consumer Electronic Show (CES) in Las Vegas. This innovative machine, which will be tested by banks during 2013, enables users to make withdrawals without a card. Users scan the ATM’s QR code with their mobile phone which then syncs with the ATM via the cloud. After having selected the withdrawal amount on their phone, users then receive, via their smartphone, a one-time code which enables them to withdraw the required cash amount from the ATM. Users can also send money to third parties by transmitting the code to them. This type of machine could help banks save money by reducing the number of bank cards issued.




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American SMEs want new banking services

USA - July 2012



80% of the US bankers interviewed for a survey carried out by Fundtech, a transaction banking solutions provider, have noted a strong demand for new banking services from SME customers, especially in the area of mobile banking services. However, according to the same report, only 38% of US banks are planning to develop their mobile channel offering for SMEs. The report also reveals that 67% of the bankers interviewed plan to integrate social networks in their SME offering. Finally, 60% of US bankers have noted that non-banking competitors are targeting their SME customers.



News summary compiled by Efma Information Services

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BNP Paribas is testing a digital wall in its “2 Opéra” concept store

France - February 2013



Following the innovative use of virtual shopping walls in supermarkets, the French bank BNP Paribas has recently installed its digital store in its “2 Opéra” concept store, which it uses to test technological innovations. Visitors will be able to discover the 19 products and services of BNP Paribas thanks to a 3D animation on a large glass wall. With a simple hand movement they will be able to browse the products and services and drag those that interest them onto a specially provided touchscreen tablet which they can use to acquire them. They can also take advantage of an offer by flashing the QR code of the banking product with their smartphone.



News summary compiled by Efma Information Services

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Société Générale has launched Manko, a new banking concept, in Senegal

Senegal - May 2013



The French group Société Générale has launched Manko in Senegal. The newly launched bank will distribute financial products and services via mobile phones: payments, loans and savings. Manko is targeting people who have a modest, but regular income to encourage them to open a bank account. Manko staff will also prospect for potential customers using a field marketing approach and the bank will also have a physical network, with the opening of a branch in Dakar and a partnership with 15 partner merchants who will enable the bank’s customers to deposit and withdraw cash. Ultimately, this model is likely to be extended to the whole of Senegal and to other African countries.



News summary compiled by Efma Information Services

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