Title	SMARTBANK – MODERN BANKING FOR THE ALWAYS ON CONSUMER
Brand	SANTANDER
Product/Service	SMARTBANK
Category	C01. Mobile Applications
Entrant Company	MONITISE CREATE London, UNITED KINGDOM
Advertising Agency	MONITISE CREATE London, UNITED KINGDOM

Name	Company	Position
Tom Rothenberg	Monitise Create	SVP/Clients/Growth
Adam Clarke	Monitise Create	Senior Strategist
Ben Green	Santander	Director of Innovation
Sam Nixon	Santander	Product Owner
Brad Dyson	Monitise Create	Head of Delivery
Trisha Patel	Monitise Create	Creative Director
Adam Scrase	Monitise Create	Head of Technology
Cressida Grant	Monitise Create	Client Partner

Creative Execution

Mobile banking is like email on your phone. SmartBank is like a map on your phone; it changes the way you interact with your data, making it easy to understand things like: • How much you spent on clothes last month • The largest spend on your credit card was Topshop • That your bills are due next week • Most of your outgoings are by card, not cash • The first week after paycheck sees the bulk of your outgoings... Available on both iPhone and Android, SmartBank gives consumers insights that they might never have come to by themselves.

The app has reached 80,000 downloads, generating over 7,500 daily interactions every day. App store reviews average a rating of 5/4.5 stars on Google Play. User profiles show the app is being used by notoriously hard-to-reach demographics like young males, and the average number of logins are 15 times/month, with 27% of sessions lasting between 1-3 minutes. This engagement increases the banks opportunity to sell and market relevant products, re-engaging customers with the bank. Some customers shared their account spending with screenshots on social media! What the success of SmartBank shows is that even in an industry as complex as banking, and delivering information as potentially complicated and confusing as spending, it’s possible to create a truly ‘human first’ experience. SmartBank has helped the bank and its customers alike: through healthier bank balances thanks to SmartBank, meaning less risk and more profitability for Santander.

Spending money is easy. The hard part is managing it. Mobile banking has changed when and where we manage money, but it’s often full of numbers which are meaningless. Real questions like, have I been paid? Where am I spending my money? remain. Santander and Monitise Create together transformed the humble bank statement from streams of confusing numbers, replacing them with personalised nuggets of insight that helps customers make sense of what’s going on and make better spending decisions. SmartBank provides at-a-glance timelines, graphics, summaries and projections, showing users their spending habits and patterns, many of which they may never have recognised before and triggers them to do surprising things (like share on Twitter). In empowering customers with greater knowledge, SmartBank makes it easy for them to understand or change their financial behaviours. It’s become a tool that Santander’s collections & recoveries team recommend to customers in financial difficulty.