MyD - My Deutsche by Eberhard Frank from germany

Challenge - Retail presence is puzzled and not about established not potential clients. Merger with Post Bank doesn’t yield one banking experience in retail. The online experience of Deutsche is about the bank, not its clients. Clients have to align to manage their financials. No mechanism to generate differentiating, user centric data for Deutsche, adding constantly value for the client relationship and supporting the generation of serendipity.

Concept - MyD is about me, me and my banking. And about context around the relationship with Deutsche. A precious bracelet acts as emotional link with Deutsche. Bracelet (like „Siegelring“) builds a couple with the mobile handset, which can act on itself as well. Approaching a location of Deutsche, Postbank or partners, will make it my retail instance. My profile, my workflow and my contacts@Deutsche will be connected. If authorized, artifacts and applications in the retail space will become aware about me, personalizing propositions and informations (including „Surface“ areas where available). Otherwise specific personalized content adding value will be shown on my smartphone. Context is build via geography, my profile and my time line, being with family or friends will be considered (Social metering understands company), Talks, protocols, location and actions will be added to my time line, allowing me tracking and planning. E.g. holiday locations will be service and experience focused, not forcing me into business mode. To further personalize the service data is gathered by the couple bracelet/smartphone and transferred to the MyD-cloud.

Benefits - One personalized service environment over a puzzled retail experience. MyD offers context around where, when, with whom and what was happening via time line service. My consultants as defined by Deutsche can be connected to physical and online interactions (verified video). Becoming a client of Deutsche will get you a nice bracelet. Identity for trust, contacts, personalization, transparency and client focus. Data gathered in the MyD-cloud will support Deutsche to iteratively improve and further personalize the service. MyD will become a service, providing serendipities around location, time and company.