Investor Presentaiton
Smartphone
penetration and mobile
banking usage
Smartphone usage has grown substantially in the last couple of years, with global shipments
expected to reach 1.4 billion units in 2018
■ Growth in annual shipments has been stagnating since 2016, but the growth track is expected
to recover in the coming years
■ Recent forecasts assume that total connections will grow to 6 billion over the next 6 years,
equalling two thirds of all mobile connections in 2020
By 2020, smartphones are assumed to be the primary internet connection tool as well
■In addition, the usage of smartphones is expanding to all social classes and smartphone usage is
expected to increase significantly in lower income segments and emerging markets
Many smartphone users from lower income segments are currently underbanked and only
use bank services for example to receive their salaries
■ As a result of the technological development in recent years, mobile banking has grown rapidly
■ Traditional banks have developed applications for smartphones and tablets to offer customers
easy access to manage their accounts and payments via mobile
■ Number of mobile banking users globally reached 1 billion in 2017 and is expected to almost
double until 2019
■ The usage of mobile banking applications is mostly widespread within the younger population
with most frequent users being aged between 25-34
■ 42% of all banking customers within this age bracket are expected to use mobile banking
applications in 5 years time compared to 21% per 2017
Global smartphone shipments (million units)
Forecast
1,574
1,437
1,473
1,462
1,421
1,302
1,019
2013
2014
2015
2016
2017
2018E
2022E
Global mobile banking users (billion people)
+192%
0.8
0.6
+119%
1.0
1.8
2013
2014
2017
2019E
Source: McKinsey, KPMG, Statista
ferratum
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