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TUESDAY / SEPTEMBER 20, 2016 / 2:30 PM

Mobile-only Banks: If You Can’t Beat ‘Em, Should You Join ‘Em?

The idea of a mobile-only bank has emerged as a real possibility thanks to the rising popularity of smartphones and the willingness of millennials to embrace nonbank financial services.

Should financial institutions get in on this action, and if so, how? Is it cunning or cannibalism for a large financial institution to create a mobile-only spinoff? Who would this product target? What about customer service and ATM access?

Get firsthand insights from financial service providers that have decided to go the mobile route.


Keith Bossey | SVP, Consulting, Financial Services | Gfk

Keith Bossey has over 20 years experience in the fields of marketing research, management consulting and financial services. He now specializes in the global financial services sector where his engagements have spanned such areas as branding & communications, customer loyalty and satisfaction, innovation & product development, and corporate reputation. He has a diverse client base that includes leading companies in banking, wealth management, payments, and insurance. He began his career in financial services working for firms such as Mass Mutual and Paine Webber where his roles included sales, marketing and equity research.

Sergio Chalbaud | Founder | Fintonic

Sergio Chalbaud is CEO & Founder of Fintonic, the number one banking app in Spain and Latin America. Sergio has extensive experience in the financial sector, building high growth companies in addition to nine years of banking experience. He holds an MBA from the University of Chicago Booth School of Business. Prior to creating Fintonic, Sergio founded IDEON, a technology and consulting firm specializing in the development of innovative financial services solutions backed by his success in Banesto (Santander Group).

Hans Reisgies | Founder and Chief Technology Officer | Sequent

Hans Reisgies is a Founder and Chief Technology Officer at Sequent. Hans is a widely known evangelist for mobile payments and an established thought leader and a trusted advisor to banks, merchants, carriers, and other mobile commerce players. Hans was instrumental in launching commercial mobile payments programs involving American Express, Bank of America, Blackberry, BART, Citi, CIBC, Cubic, Discover, MasterCard, Motorola, Nokia, Rogers Wireless, Samsung, Sberbank, Visa, amongst others. Previously, Hans led mobile business development at ViVOtech from 2005-2010 and has been active in the NFC Forum and Global Platform standards bodies. Hans’ specialization in mobile payments has yield more than a dozen patents filed and granted.


Will Hernandez | Editor | Mobile Payments Today

Will has 14 years of experience ranging from newspapers to wire services and trade publications. Before becoming Editor of Mobile Payments Today, he spent two years as the content manager for, a leading payments industry news aggregator and information hub published by Mercator Advisory Group. He spent four years covering the payments industry as an associate editor for multiple publications in SourceMedia’s Payments Group based in Chicago including ATM&Debit News, CardLine,, ISO&Agent Weekly and American Banker. Will helped launched SourceMedia’s bi-weekly newsletter, Mobile Banker, and built and cultivated the Payments Group’s first Twitter presence.

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