2. Situational Analysis Recommendation & Implementation ConclusionRisks Impacts 2
The Executive Summary
Situation
Position Top 3 largest asset management company in the world
Technological Advancements
Recommendation
THE FACE MODEL
Gamification
Engage clients in their investment process
1
Impact Achieve a sustainable growth in market share of 15.14% by the Y2020
FinTech Revolution
Growth of Millennials
investors
D&I Academy
Empower clients and educate students
2
Augmented Reality
Improve customer experience and service
3
Data Audification & Voice Technology
Strengthen security protocols and convenience
4
3. Situational Analysis Recommendation & Implementation ConclusionRisks Impacts 3
4 Main Trends in the Wealth Management Industry
Source: Deloitte, PWC, Team Analysis
Rise of Robo-Advisors
• Attracted a lot of middle-
aged and young consumers
• Allows personalized investment
plans without high fees
Increasing trends of mobile
technologies adoption
• Convenience in accessing
portfolio
• Speed and timeliness in
receiving data and news
FinTech Revolution
• Democratizing of information
and financial services
• Increased transparency in
financial industry
Corporate Social
Responsibility
• Focus on a healthier and
productive world
• Companies want to inspire the
community
4. Situational Analysis Recommendation & Implementation ConclusionRisks Impacts 4
Analysis of Customer Group: Gen X and Millennials
2020
Gen X & Millennials control
>50% of market share
(US$30 trillion)
Gen X
>50%
Top 3
Save money, not confident
in their financial future
61 hours 93%Mobile
internet users
Millennials
>50%
Top 3
Save money, not confident
in their financial future
51 hours 96%Mobile
internet users
Source: Nielsen, Digital Trends, Team Analysis
6. Situational Analysis Recommendation & Implementation ConclusionRisks Impacts 6
Transforming challenges into opportunities
Empower clients, increase efficiency and
improve sustainability of company
The FinTech revolution allows cheap and
personalized investment plans
OpportunitiesThreats
1 1
Create different innovations to establish a
competitive edge in other areas, maintain
human touch amidst technological change
2
Opportunity to be a first-mover in this
industry in terms of technology advancements
3Transition of traditional desk-bound
investment services to tech-fun and tech driven
solutions
3
Main competitor, GoldenStone acquired
Robo-advising expert company Wealthbuddy
2
Source: Goldman Sachs, CFA Institute, Team Analysis
7. 1.How can D&I leverage on technological
advancements to be the game changer in the asset
management industry?
2. How to tailor a personalized and engaging
investment process to expand its market share?
10. 10Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Smart
Gaming
• Any client of D&I’s can install the free mobile game app
• Run a simulated portfolio of the same value as your real
portfolio managed by D&I
• Compete against your manager over 3-months
• Goal for players: return rate exceed their managers’
• Reward: one-month service fee waiver
• Chatroom: for clients to chat and discuss about investment
strategies.
• Based on only real-time market information
• Analyse clients’ change in investment behaviour under market
volatility
• Regular short questionnaires regarding changes in personal
condition and investment objectives.
Realistic and
Enriching
Thrill of your
lifetime
Incentive-
based
Behavioral
Analytics
To build customer loyalty by engaging clients throughout their investing experience by
games and competition
11. 11Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Capturing clients behavioral pattern to increase transparency and improve investing
experience
People
Control
1. Target groups and HR resources required
Implement
2. Actions to be taken
3. Monitor the change
• Target: millennials and any client who wants to
learn investing through experience
• Internal: training for portfolio managers, include
hybrid strategies with robo-advisors and emotional
control; innovation team and data scientists within
D&I
• External: gamification corporates
• API development by D&I’s innovation team
who designed the new analytical platform
• Behavioural analytics handled by data
scientists within D&I: data capturing,
aggregation and trend analysis
• Quarterly review: increase in clients(by
questionnaires), managers and clients’ return
rates, average waiver per client
Launch Plan
D&I can benefit from increasing transparency and mutual understanding between D&I and its clients, while behavioural analytics
facilitate customized investment propositions.
13. 13Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
To empower clients, increase transparency and educate the community
D&I
Academy
• Recommends the most compatible learning pack
• A series of 10 videos of 10-20mins long
• Test of knowledge: questions before advancing into higher
modules
• For students who face challenges
• Weekly 2-hour ‘live instructor’ session for resolving queries
• Chargeable for more technical or specialized modules,
• e.g. ‘Equity Investment Management’
• A small team of instructors with Coursera to guide learners
• For students in public secondary schools
• Basic learning videos and animations regarding personal
finance
Advanced
Series
Care to the
Society
Live Instructor
Sessions
Modular
Learning
14. 14Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Subtle marketing strategy and CSR to promote sustainable growth of
customers
People
Control
1. Target groups and HR resources required
Implement
2. Actions to be taken
3. Control the change
• Target: first-time investors (mostly millennials), non-
finance background clients, the mass affluent, and
finance enthusiasts
• Internal: managers suggest content coverage; task
force for negotiation with Coursera and schools;
innovation team within D&I
• External: Coursera or other viable partners
• API development by D&I’s innovation team
and Coursera (English version followed by
Chinese version)
• Negotiation with Coursera regarding product
development and pricing
• Outreach to schools in high-growth markets
• Quarterly performance review: increase in
clients and users’ satisfaction(questionnaires)
• Annual CSR review: auto-generated student
learning progress reports
Launch Plan
D&I benefit from increasing loyalty from empowered clients who see growth not only on their wealth, but their knowledge.
16. 16Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Optimizing Sales Process with Augmented Reality and On-Demand Client
Touchpoints
Mining
Back-
testing
1. Hotspot Identification
3. Fine Tuning The Model
• Utilize GPS technologies to collect ‘Footprint’ data
of clients
• Leverage on Machine Learning and pattern
recognition to identify hotspots
• Study historical data to determine seasonal
shifts in hotspot location
• Feed real-time data to adapt to immediate
changes
Artificial Intelligence in Placement of Sales Agents
D&I can tap into virtual and cyberspace of client touchpoints, thus speeding up the sales process while maintaining the human touch
to build relationships, increase retention ratios, and close deals.
Modelling
2. Logistic Modelling
• Fit Algorithm to Chinese Postman Model
• Minimize path needed to travel while covering all
hotspots
17. 17Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
User Interface of our D&I AR function
Map Function
To view available managers in
the region/ vicinity
AR Function
To set an appointment with
manager who is close to client
instantaneously
19. 19Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
To provide a comprehensive and agile experience for clients on a
day-to-day basis
Source: Team Analysis, JD.com
Data
Audification
Market Penetration
Market
Share
Finance
Assistant
Podcasts
Voice ID
1
First mover advantage in data
transfer mechanism for greater
market share capture
Portfolio-to-Speech push notification
updates on investment performance
Personalized Investment Feeds2
Smart finance assistant that studies
clients’ lifestyle and respond to their
needs
AI Assistant3
Biometric-level protection on user
privacy and data from cyberattacks
Advanced Security4
Enhance customer
engagement
State-of-the-art security
features
One stop data vendor Sustainable growth
20. 20Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
To alleviate security and privacy problems by incorporation of voice technology function
Voice Log-In
Utilizing of high definition
microphones and voice signature as
security verification
Alternative Security Protocol
Security Features
Developing frequency spectrum
recognition to filter out background
noise
Increased Security
IoT And Beyond
Incorporate Internet of Things for
added touchpoints from consumer
electronics
Greater Outreach To Clients
21. 21Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
A time-bound action plan is crucial to realizing the proposed changes
The Face Model Q1 Q3 Q1 Q3 Q1 Q3 Q1 Q3 Q1 Q3
2017 2017 2018 2018 2019 2019 2020 2020 2021 2021
Academy
Collaboration with Coursera
Content Production
Campaigning and Roadshows
Gamification
Mobile App DevOps
Campaigning and Roadshows
Monitoring and Version Update
AR Capability Implementation
Data Analytics Setup
Mobile App DevOps
Agent Placement Model DevOps
Continuous Aigorithmic DevOps
Data Audification and Voice Technology
Portfolio-to-Speech Feature DevOps
Biometric Security DevOps
Continuous updates of publications
Resource
intensity
StrategicTactical
Stabilization
of technologies
introduced
Launch of D&I
Academy and
Data Audification
Completion of
data setup for
AR/ Collaboration
with Coursera
22. 22Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Risks identified when implementing the FACE Model
D&I Academy & Gamification AR & Voice Technology
✖ Initial user outreach
may be limited
✖ Risk of clients
outperforming PMs
✖ Difficulty in
obtaining GPS data
for footprint analysis
✖ Difficulty in
accommodating
different accents
and languages
23. 23Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Collaboration with existing platforms Coursera
Develop Value-at-Risk models and set T&Cs of Game
Bandwidth segment analysis of biometrics
Purchase from telco companies for immediate use
Risk mitigation by tool management service can provide differentiated
service that meet the clients’ needs
Footprint
Data
Voice
Recognition
Fees
Waiver
Academy
User Base
24. 24Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Impacts on D&I - The Present and the Future
D&I’s position as the market leader is strengthened, and market share
rises by 15.14% by 2020
Short-term Long-term
Turning investment with D&I
more secure, convenient and
enjoyable
Customer Acquisition and
Retention
Clients’ confidence in
professional asset
managers’ expertise
Customer Relationship
Management
Brand name exposure and
appeal to the young
reduces attrition losses and
increases revenue from
millennials clients
Sustainable Future
Personalized and highly-
automated financial
propositions while retaining
human touch
Smart Hybrid Advising
25. 25Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Market share projections by 2020E
Source: A View to the Future: Changes in the Investment Industry, CFA Institute, Nathan Jaye
0
10
20
30
40
50
60
2016 2017E 2018E 2019E 2020E
Reco
Market Share Projections
• Continuous market leader in the industry:
positioning as a technology innovator gives
“significant competitive advantage”
Key Assumptions
• No foreseeable deviation during implementation
Marketshare%
26. 26Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
The Executive Summary
Situation
Position Top 3 largest asset management company in the world
Technological Advancements
Recommendation
THE FACE MODEL
Gamification
Engage clients in their investment process
1
Impact Achieve a sustainable growth in market share of 15.14% by the Y2020
FinTech Revolution
Growth of Millennials
investors
D&I Academy
Empower clients and educate students
2
Augmented Reality
Improve customer experience and service
3
Data Audification & Voice Technology
Strengthen security protocols and convenience
4
28. 28Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Slide Navigator
Introduction
1. The Executive Summary
2. 4 Main trends in the Asset Management Industry
3. Analysis of Customer: Millennials & Gen X
4. Identifying Key Opportunities
5. The FACE Model
RECO 1: Gamification for Smartphone APIs
1. Recommendation Plan
2. Initiation and Launch Plan
Implementation Support
ConclusionRECO 2: D&I Academy x Coursera
1. Recommendation Plan
2. Initiation and Launch Plan
RECO 3: Implementation of Augmented Reality
1. Recommendation and Initiation Plan
2. User Interface of AR
RECO 4: Voice Technology and Data Audification
1. Launch Plan
2. Implementation for Podcasts
1. Implementation Timeline
2. Risks Identified
3. Risks Mitigation Steps
Impacts
1. Short Term and Long term Impacts
2. Market share projection (based on global data)
1. The Executive Summary
Appendix
1. Timeline of Customer Experience
2. Goldenstone vs. D&I Asset Comparison
3. Tactical Strategy in DevOps of Mobile App
4. Resources required for effective DevOps
29. 29Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Appendix: Timeline of Customer Experience
Synergy of core competencies and
service offerings
Learn Manage
Gamification AR Monitoring
Phase 2: Investing with D&I
Achieve market share growth of 15% by 2020E
Independent service
designed to educate
clients on personal
finance
Extended platform
for immersive hands-
on virtual investing
Meet up with
managers to explore
investment
opportunities
Utilize new data
transfer mechanism to
monitor portfolio
performance
Data-Centric
Mobile Oriented
Phase 1: Learning about D&I
Academy
Engage Connect
Sustainability
Client-oriented
30. 30Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Appendix: Goldenstone vs. D&I Asset
Goldenstone / Competitor X D&I Asset
Tech
Capabilities
Impact
Robo-Advisor Cybersecurity
WealthBuddy –
offers personalized
investment plans
Advanced network
cryptography to
secure user
privacy
Lose the customer
Targets clients
under 30
Data Vending Voice Technology AR Sales
State-of-the-art
live portfolio
analytics paired
with data
Audification
Enhances
security
features
Expedite sales
process AND
maintains human
touch
Effective
conveyance of
information
Enhanced
Security
Increase in
customers
Cheap and safe service, but lacks human
touch
Delivering immersive customer experience with synergy
of core competencies
31. 31Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Appendix: Rapid prototyping process (tactical, first half of the year)
Source: IBM, Team analysis
32. 32Situational Analysis Recommendation & Implementation ConclusionRisks Impacts
Appendix: Resources required for effective DevOps
Development of user
interface for multiple mobile
platforms such as mobile
phones, tablets and laptops`
Platforms SecurityDeployments Updates
Ecosystem built for
innovation. This includes
proprietary code
repositories, libraries
and APIs, as well as
performance
management metrics.
Cloud Development
platforms for scalable
and comprehensive
software deployment,
update and special
situations response
Advanced network
cybersecurity and
biometric approval
process for OTA data
transfer
