WoW - Wallet of Wallets Qorus Banking Innovation Awards 2015- Nominated

WoW is a mobile app that allows you to make payments from your smartphone on the move whenever you want, safely and in a simple and fast way. WoW is for everyone, even for those who are not CheBanca! customers, because it can also integrate wallets and payment instruments issued by other institutions and players. It is therefore a open wallet, its name stands for “wallet of wallets” and this said it all. The way WoW has been designed is to be an over-the-top wallet, allowing all customers (not just CheBanca! account holders) to use just WoW for as many mobile payments and purchases as possible. CheBanca! believes that mobile payments will break away from general banking as technology evolves: customer demand for immediacy, safety and simplicity will further grow and new competition will enter the arena (see Apple Pay, FB credits, Google wallet, Venmo, etc). We use immediacy of mobile to deliver an integrated, simple to use, safe customer experience across all (main) payments methods and services. WoW is for everyone: • CheBanca! Customers (account and card holders) • Paypal/Masterpass(and soon other) wallet/account owners • All italian banks customer (via their international credit, debit and prepaid cards) Wow is continuously evolving towards a wider range of possible payments services, you can use WoW for: • Postal order and pre-printed bills (also via QR/datamatrix code capture) • Some pre-printed taxes sleeps (such as Car taxes, fines etc) • e/m-commerce • P2P send money (via PayPal and additional networks) • Topups (mobile phones and payTV) • proximity payments (in development, via HCE and QR codes) • Transport and parking ticketing (in development) • Digital couponing/loyalty (in development) We built a best practice mobile service first, seeking inspirations outside financial industry in apps and interfaces like Google or Amazon to create best in class mobile experience in a financial scenario. We also looked at Pingit as the best in class experience in the financial sector.