1、The calm before the stormWhat subtle changes in consumer mindset tell us about the future of bankingStrategy&Payments and Open Banking SurveyDecember 2022Strategy&Consumer survey across 15 countries third edition of Strategy&surveySample and methodology1)Excluding Ireland,Turkey,Denmark,Belgium and

2、Finland;2)Excluding Denmark,Belgium and FinlandSource:Strategy&Payments and Open Banking Survey 2022December 2022Payments and Open BankingSurvey 20222Payments and Open Banking SurveyStrategy&Sample 2022 Similar surveys conducted with same method in 2018:October/November 2018;2,500 participants,10 co

3、untries1)2020:August/September 2020;3,500 participants,12 countries2)Comparisons in this presentation are always made on a like-for-like basis(i.e.when making com-parisons with 2018 data,only the data from the same 10 countries is used in 2020 and 2022 etc.)2018&202015 countries5,750 participantsSep

4、tember/October 202210 questionsOnline surveyGo to 2018 survey Go to 2020 survey Strategy&231213123Three main factors are driving bank experience What is important to you regarding your banks offering?1)Payments and Open Banking SurveyNote:total figure based on counting of top 1-3 positions|1)Multipl

5、e answers possibleSource:Strategy&Payments and Open Banking Surveys 2022December 20223123312132213132312312132231123213132123Free/low priced cash withdrawalsGood mobile banking appFree current accountProximity of branchesQuality of adviceAdditional services(e.g.,discounts)Strategy&1Ranking of top fa

6、ctors per country23Strategy&Banks are facing challenges concerning key experience factorsPayments and Open Banking SurveySource:Strategy&Payments and Open Banking Survey 2022December 20224Strategy&Good mobile banking appMobile apps are becoming more important for banking services,handing an advantag