BANKING INTELLIGENCE

INTEGRATED MARKETING SUPPORT SYSTEM

A BANK'S EYES

"UNDERSTANDING THE COMPETITION IS THE ONLY WAY OF PINPOINTING NEW BUSINESS OPPORTUNITIES AND IMPROVING THOSE ALREADY SEIZED."

Of-Osservatorio finanziario (financial observatory) is Italy's leading research institute for the benchmarking of web and mobile banking, and banking and financial products. OF delineates the main strategies for each sector of the retail, premier and business markets. OF has reviewed and compared the banking services of 50 different banking groups since 2001, including national, local, online and Italian-based international banks, as well as 27,000 mortgages, 3,000 loans, 20,000 online current and deposit accounts, and 86,000 payment cards. OF Banking Intelligence works through the following instruments: the Banking Products Data Base, a proprietary Community established in 1999 and "La Bussola" reports

OUR STRENGTHS

OF's approach was digital from the outset and is underpinned by an in-depth knowledge of social network-based surveying methods.

Surveys commence from suggestions and notifications received from the community, tests are done in branches then the information gathered is analysed and compared.

OF pinpoints market trends and works hand-in-hand with the editorial office of OfNews.it, producing interviews, comments, magazines and in-depth analysis.

OF brings accurate, on-time information to each investigation, as well as supporting social networks with original content, with the utmost transparency and control.

WHY CHOOSE OF?

UNDERSTAND

Get to know the competition and better understand your own offering in relation to what your competitors are doing

ANALYSE

Analyse your own and your competitors' services, products, projects, promotions, campaigns and loyalty programmes

CUSTOMIZE

Customize reports for your internal analysis and to improve Marketing and Communication

OUR MAIN SERVICES

UP-TO-DATE COMPARISONS

Benchmarking in Retail, Premier and Business banking and financial markets is the bedrock of our service, with monthly updates

FIELD TRIALS

Trials with real customers and with five permanent focus groups from the proprietary Community form the core of our original methodology

TRENDS AND INNOVATION

Market trends and support for marketing and communication using original, new channels are our most exclusive services

Numbers Banking Products DataBase

150

Mortgages

300

Current&Savings Account

150

Credit and Prepaid Cards

50

Loans

10

Insurance

THE MOST INNOVATIVE BANK

OUR RANKINGS

The rankings and relative insights published in Bussola Innovation are for mobile and web banking services. Information is pulled from 100 focus points to draw up a list of the "best online banks” across five partial rankings: the fastest bank, the friendliest bank, the most complete bank, the safest bank and the cheapest bank. (The three partial rankings are based upon data updated on 19 febbraio 2015, new additions Banca Popolare di Vicenza BPViGO).

THE MOST COMPLETE

More than just banking and payment services. The focus points in this partial ranking also include the increasingly broad range of third-party services, in particular those concerning innovative payment methods.

  • Intesa Sanpaolo 50

  • BancoPosta45

  • UniCredit 40

  • MPS36

  • BPM 35

THE SAFEST

More than just safe access and transactions. The focus points in this partial ranking also include safety education programmes and portals.

  • Banco Popolare 57

  • Cariparma 57

  • Banca Generali57

  • Banca Sella 56

  • CheBanca! 56

THE FRIENDLIEST

More than just information. New customizable services such as family budget management and expert assistance are also targeted. New focus points: brand knowledge and transparency.

  • Intesa Sanpaolo 71

  • CheBanca!54

  • Banca Mediolanum 50

  • Banca Generali 49

  • Widiba 38

OfNews Website of financial information

1.921.789

unique users (December 2014)

2.347.235

Sessions

5.998.763

Page views

+ 59,90%

dec 2013/dec 2014

OF BEST...

A RIGOROUS ASSESSMENT TO FIND THE BEST BANK AND THE WINNER IS...

Acknowledgements made by Of-Financial Observatory, an independent Italian research institute, are COMPLETELY FREE OF CHARGE. This means that no direct payment is required to join the list of banks assessed, nor for any potential rankings or first place classifications. There is nothing to pay indirectly either: you can use the award logo and take part/sponsor conferences and events for free. No form of payment whatsoever will be asked (publishing articles about the award, for instance). Of-Financial Observatory staff members or other individuals will never ask you for payment of any kind. Only in this way can the Of-Financial Observatory guarantee its analysts are absolutely free to make independent judgements and assure the rigorous quality of its products. Learn more

AND THE WINNER IS...

Banca Generali

In 2014, Banca Generali tested new payment services and home-banking also from the community and social networks

AND THE WINNER IS...

Fineco

Applications to transfer funds, top up cards, make payments. Fineco is also trying out many non-banking services.

AND THE WINNER IS...

Conto Tascabile di CheBanca!

In 2015, home-banking and mobile payment services were added to the prepaid cards associated with an IBAN number


AND THE WINNER IS...

Intesa Sanpaolo

Mortgages renewed and many new products are being introduced. Can we expect a return to pre-crisis levels? No, Of analysts say

AND THE WINNER ARE...

Hello bank! e Banco Popolare

The fee went up by 40.45% in a year and yields dropped by 45.23%. The borrowing rate fell by 3.36%

AND THE WINNER IS...

BCC's Crediper Premium

The worst is behind us. Interest rates have settled at an all-time low. Many new products are being introduced.

ACCURATE FORECASTS, TRENDS AND REPORTS SINCE 2003