CUSTOMER OF THE FUTURE

A call to all disrupters! Help Standard Bank innovate for the world of tomorrow in the pinnacle of competitions...

CUSTOMER OF THE FUTURE

Move from a Banking Platform (App) to Lifestyle Platform

Transform our banking platform/app to a lifestyle platform, catering for all the clients' financial and spending needs. The transformation includes: • PFM (Personal Financial Management) Tool - Intuitive and Personalized Budgeting. (Similar to 22Seven) • Purchase forex on app (Integrate Travel Wallet into platform) • Pay for receipts- Scan receipts with smartphone and make purchases. • Rewards/Loyalty accounts. Integrate ...more »

Submitted by (@kabelo.mzwinila)

Idea Stage : Early stage / idea / concept

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

Back Office Digitization

Automate back office processes. Enable the automation of customer applications. An internal app for customer applications that would track from the branch all the way through the enabling functions. It would work similar to Uber where the application can be tracked moving through the various phases and giving line of sight of who exactly it is sitting with and what they are busy with (allowing one to see what the delays ...more »

Submitted by (@kabelo.mzwinila)

Idea Stage : Early stage / idea / concept

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

RiovicPay: Secure Online Transactions (P2P Escrow Payments)

-Value Proposition: Advanced e-commerce functions on a prepaid basis. There are people that want to purchase and order goods and services online but do not because of the fear of being scammed, and we can't really blame them considering what happens on sites like OLX and Gumtree. RiovicPay is a finance tool providing a payment method that allows users to pay for goods and services when they purchase them but limited ...more »

Submitted by (@phiwankambule)

Idea Stage : Start-up / prototype

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

Dual security for Tap & Go cards

Tap and Go cards have brought about convenience, but it wont be long before the security gaps are realised by criminals who could get hold of RFID/ NFC scanners and seamlessly steal copious amounts from people in a busy area R200 at a time (the current limit). We have seen this sort of thing manifest through car key jammers... I propose dual security through cellphone confirmation. A pop-up screen should come onto your ...more »

Submitted by (@sopefolu.ogunrombi)

Idea Stage : Established / proven technology

ReviewScale

Awaiting Reviews
In Progress
3 of 14 completed

CUSTOMER OF THE FUTURE

Augmented Payments and Banking

Imagine walking into an iStore and as you approach the glittering tables holding the latest Apple devices, the devices prices pop up along with their specs and features floating and hovering right next to the device. As you swish through the specs a floating button appears for you to purchase the given device right on the spot using your bank account. Or standard bank could offer their own floating bubble/panel with an ...more »

Submitted by (@roberto.ferro)

Idea Stage : Early stage / idea / concept

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

Equity financing for property improvement

Making custom home improvements based on buyer needs as a form of equity on the improved property value. This won't impact the affordability of the customer as it's equity not a loan. It's a secure investment as the bank gets the first share on proceeds from the sale. Investment is assisted by Big data based ROI on each improvement. 1. Benefits to buyers : Custom made homes so that they don't have to do renovations after ...more »

Submitted by (@aruna.rathugamage2)

Idea Stage : Start-up / prototype

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

Image Recognition / Augmented Insurance

Idea: I find it extremely tedious to get the items insured easily such as laptops or cars etc. The use case for example would be buying a Macbook pro, a consumer could just open up this Augmented Insurance App, the app via the camera, would recognised the item or the laptops serial code could be scanned and insurance quotes could be generated from various companies (much like hippo) and then you simply click "insure with ...more »

Submitted by (@roberto.ferro)

Idea Stage : Early stage / idea / concept

ReviewScale

Awaiting Reviews
In Progress
11 of 14 completed

CUSTOMER OF THE FUTURE

Be a Unified Communciations Virtual Mobile Network Operator

One of the biggest customer expenses is mobile communications. Provide a Standard Banks app/web interface whereby customers can call you and others at affordable rates. Customer 2 customer calls can be free or almost free, calls to Standard Bank can be free and calls to other networks do not have to be more than a few cents above the interconnect rate: around 35c/min. Reward customers to use your network instead of the ...more »

Submitted by (@juri00)

Idea Stage : Established / proven technology

ReviewScale

Awaiting Reviews
In Progress
9 of 14 completed

CUSTOMER OF THE FUTURE

Remote Financial Advice for everyone that needs it

We have developed a FINTECH remote advice technology platform called Virtual Advisor that is specifically designed to deliver remote financial advice or guidance in real time over the internet. For the consumer it works on any device that is internet-enabled with no software download. Virtual Advisor is a Brain which holds all the answers to any question that a client might pose and compliments the adviser knowledge ...more »

Submitted by (@ianbrewer)

Idea Stage : Established / proven technology

ReviewScale

Awaiting Reviews
In Progress
9 of 14 completed

CUSTOMER OF THE FUTURE

Anti-clone bank card

Anti-clone card encompasses combination of both data-dot and magnetic stripe technologies to maximise security and prevent easy card cloning. When you insert your card, the reader reads the card in a data-dot to magnetic stripe sequence to validate authenticity of the card and then only asks for a pin after validating the card.The data-dots are not visible to the naked eye but the magnetic stripe. The cost of manufacturing ...more »

Submitted by (@matlhogonolotau)

Idea Stage : Established / proven technology

ReviewScale

Awaiting Reviews
In Progress
9 of 14 completed

CUSTOMER OF THE FUTURE

DIGITAL CURRENCY - THE ANTI-CREDIT CARD

DIGITAL CURRENCY – A tool to enable & empower users to join the mobile & electronic economy. The Opportunity The Digital Media and Marketing Association and Echo Consultancy estimate that total number of internet users in South Africa is about 24.9 million. This represents 48.9% of the adult population, and constitutes a sizeable potential shopper base. Online shopping was worth about R59 billion in 2011‚ which equates ...more »

Submitted by (@mashudumodau)

Idea Stage : Early stage / idea / concept

ReviewScale

Awaiting Reviews
In Progress
10 of 14 completed

CUSTOMER OF THE FUTURE

Aire Alternate Credit Scoring

Aire is a London based start up bringing to market an alternate credit scoring model aimed at helping people with thin or no credit history get access to fair credit. We are a team of serial entrepreneurs, holding patents and PhDs and have worked internationally at the largest banks and the smartest startups bringing great experience in Credit Risk, Compliance & Security. Our proprietary technology, utilising Machine ...more »

Submitted by (@mattdavies)

Idea Stage : Start-up / prototype

ReviewScale

Awaiting Reviews
In Progress
10 of 14 completed