X
Emergence of Virtual Banks

Embracing Data to Become the Real Game
Changer in the Banking Industry Landscape
Vpon’s New Money Method with ZA Bank

Across Asia, Digital Transactions are 1.6 to 5 times as Frequent as
Branch Transactions
Developed Asia

Emerging Asia

Average transactions per customer per month

Average transactions per customer per month

9.3

1.8
Branch

1.7Digital2Branch

Branch transactions accountfor only 12% and 21 % of
total monthly transactions in
Developed Asia andEmerging Asia respectively.

2.8Digital2Source: McKinsey & Company

Emergence of Virtual Banks in Hong Kong20192020

Hong Kong Monetary Authority has
issued eight virtual bank licenses

Official launch of licensed players;
Virtual Banks started to emerge.

Increasing consumer’s knowhow
on “Virtual Bank” in Hong Kong

Consumers are More Willingto use virtual banking services

2020

2020

2018

67%
393%

2018

20%

37%
Source: Nielson

xHong Kong First
Virtual Bank Data Showcase
New Money Method with ZA BankZA Bank
A joint venture between ZhongAn Online P&C Insurance and Sinolink GroupFirst one to enter Hong Kong Virtual Bank market

Encounter fierce competition between the virtual and retail bankMarket Objective
Banking and Finance
Increase
Step 3
FROM Increase Market ShareTO Increase Transaction

Virtual Banks

Increase Transaction
Increase
Step 2Illustrate Market Position
Increase
Step 1

Increase Market Share

6

Leverage Data Profession and Capability

Data is the KEY
In the Fintech era, data is an essential aspect
for business development. Thus, ZA Bank
chose to partner with Vpon, the professional
strategic expert in Asian data with Vpon’sstrong data capability to strengthen its
business strategy in the market.

Partnered with Vpon’s Asia Data Expert

Vpon X ZA Bank PartnershipxNow⚫

New to the Financial Market⚫

Market Pioneer of VirtualBanking⚫

Facing Fierce Competition
with Traditional BankingChallenges⚫

To Increase Market Share⚫

To Define its MarketPositioning⚫

To Identify and Engage withPotential Target Audience

Vpon’s New Money Method –Guaranteed App Download⚫

Vpon’s Proprietary Data
Insight Tool - AppVois⚫

Solution

New Money Model

New Money Model – Mobile App Download
Data Attribution Drives Guaranteed App Downloads
CPI Deal Drive non-organic app downloads and ranking
AdApp stores
Impression & clicks

Open AccountDownload & Open

3rd Party Tracking is required
App marketers will not only know
the ad performance, but also theactual number of Mobile App
downloads

Step 12 -- Capture
Integrate
Step

Identify Audience In Different Stages
By Vpon DMP Database And Targeting Strategy
Identify and Segment Core Target Tiers

Banking And Finance

Loan and Investment

Banking Service

Virtual BankVpon DMP Data BaseVpon
segment

User
Behavioural
Data

AdInterestAd
preference
Location

AppDetection⚫ Banking Ad interested⚫ Analyze Payment/ Loan App
frequently used by targetaudience⚫ Analyze through lookalikemodelling⚫ Capture specific APP usageand categories

Step 3 - Convert

Integrate Data for Cross-platform Ad Delivery
Create Potential Audience Pool Drawn from Vpon DMP

Vpon DMP Data BaseVpon
segment

User
Behavioural
DataAdInterestAd
preference
Location

AppDetection

3.5
Vpon

Million

MONTHLY ACTIVE USERS

DSP
Vpon
Affiliates

90%+REACH through premium network

Step 3 - Convert

Convert Non-Users To Loyal App Customers
Leveraging Big Data to Identify Existing App Users
Analyze User Preferences and Deliver Ad Precisely to Target Groups

Vpon DMP

NonZA Users

Mobile App Acquisition
App Detection
Ad Interest

Existing AppUser

Excludeexisting ZA user

Behavioral Data

Target Comparison
Existing
Account User

Open Account Acquisition••••

Multi offerings
Combine ZA 1st party Device ID and tracking tags
Re-targeting engaged User
Expand Audience Pool by LookalikeStep 4 - Market Analysis

Illustrate Market Positioning Through Vpon Proprietary Tool
Get App Market Trends & User Preferences in Hands
Tackle your peer players’ every move

Learn from your App users’ PreferenceStep 5 - Industry Analysis

AppVois – Mobile App Market Penetration, New Installation and Uninstallation

Step 6 - Individual Analysis

AppVois – User’s App Preference for App Targeting And Strategic PlanningRapid Growth in Market PenetrationZA Bank’s app market
penetration has increased for1.97 percentage point(i.e. 40 times) since it launch.

Data Outcome
Continuous Uptrend on Mobile App Download

Steady Enhancement of CPI despite COVID-19

Monthly
Installs

270%

Mobile App Installations Result

Monthly
Account Opens

134%

Account Opens Result

CPI
Lead Cost

SameCVROA/ App Installs

33%Virtual Banking is not just a new type of business…

It is an INEVITABLE trend
And now…

It is the best timing for Virtual Banks to explore andexpand their business in the market!

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