Abi: si consolida l’utilizzo del Mobile Banking


8 milioni i clienti attivi da Mobile nel 2017, in crescita del 68% rispetto all’anno precedente. Nel Rapporto annuale di Abi Lab il punto sullo sviluppo e sulle potenzialità della banca in “mobilità”.

Forte impennata degli utenti attivi che operano in “mobilità” da Smartphone e da Tablet: circa 8 milioni nel 2017, con una crescita del 68% sull’anno precedente. A guidare il trend i clienti da Smartphone (+51%). È quanto emerge da un’indagine contenuta nel settimo Rapporto annuale realizzato da Abi Lab, il Consorzio per la Ricerca e l’Innovazione per la banca promosso dall’Abi, in collaborazione con la School of Management del Politecnico di Milano, che fa il punto sullo sviluppo e sulle potenzialità del Mobile Banking.

L’Offerta di Mobile Banking

Secondo lo studio Abi Lab, la spinta innovativa e tecnologica della “Banca a portata di mano” parte soprattutto da applicazioni (app) sempre più apprezzate dal mercato, basti pensare che nel 2017 quelle scaricate sono state 3.449.767 per Smartphone. Tutte le banche offrono servizi tramite app per Smartphone con sistemi operativi iOS e Android, per il Tablet, invece, la quota di banche che li offrono si attesta all’89%. Più ridotta la percentuale di banche che offrono app anche per i dispositivi con il sistema operativo Windows (61% per Smartphone e 35% per Tablet) e Blackberry (6% per i soli Smartphone). Meno della metà delle banche rispondenti offre servizi per i Wearable Device (oggetti indossabili in grado di connettersi e interagire con persone o oggetti anche attraverso la rete Internet).  Mediamente ogni banca/ gruppo bancario offre 3 app.

Per quanto riguarda i servizi offerti, accanto alle funzionalità base del banking, sono molto diffusi i servizi di compravendita di strumenti finanziari (trading) segnalati dal 78% delle banche, servizi di pagamento diretti tra persone (P2P), offerti dal 67% e funzionalità di gestione della spesa (39%). Le diverse funzionalità possono essere offerte in un’unica app di riferimento oppure con app ad hoc per un determinato servizio: gli esempi più evidenti sono il borsellino elettronico, ossia il cosiddetto mobile wallet, offerto dal 28% delle banche rispondenti, e il Mobile POS (pagamenti elettronici con carte di credito o debito collegando il dispositivo mobile al POS), segnalato dal 17% delle banche; entrambe le funzionalità sono prevalentemente gestite con un’app aggiuntiva a quella “classica” di mobile banking.

Gli investimenti sul Mobile

La forte attenzione del mondo bancario per il Mobile trova conferma anche nelle previsioni di spesa formulate per il 2018. Infatti, l’indagine sottolinea che il 67% delle banche ha segnalato una crescita degli investimenti e di queste l’11% ha registrato un forte aumento. Tra i benefici più significativi già ottenuti con il Mobile, in cima alla classifica troviamo l’incremento del valore del brand e il miglioramento della esperienza d’uso (per il 74% delle banche rispondenti). A seguire i ricavi derivanti dalla fidelizzazione dei clienti (per il 62%) e i ricavi da nuovi clienti (per il 44%).

Abi: si consolida l’utilizzo del Mobile Banking

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