3. WE ARE QVALIA
Improving and automating financial processes
Nordic leader in transaction analysis
Transaction insights Automation technology
€ 200 billion analysed annually
Stockholm Copenhagen Helsinki Oslo
ABOUT US
7. CURRENT STATE OF DIGITAL TRANSFORMATION - GLOBAL PENETRATION
100%
75%
50%
25%
0%
1995 2000 2005 2010 2015
Internet
Smartphones
Source: A16Z
8. CURRENT STATE OF DIGITAL TRANSFORMATION - GLOBAL PENETRATION
100%
75%
50%
25%
0%
1995 2000 2005 2010 2015
Internet
Smartphones
Source: A16Z
E-commerce
9. CURRENT STATE OF DIGITAL TRANSFORMATION: RETAIL E-COMMERCE IN THE NORDICS
Source: Postnord, Invest Stockholm
40%
25%
22%
12%
Sweden
Denmark
Norway
Finland
€ 21.7
billion
38%
20%
23%
19%
Sweden
Denmark
Norway
Finland
€ 195,3
billion
E-commerce
Total retail market
10. CURRENT STATE OF DIGITAL TRANSFORMATION: RETAIL E-COMMERCE IN THE NORDICS
Source: Postnord, Invest Stockholm
40%
25%
22%
12%
€ 22
billion
38%
20%
23%
19%
€ 195
billion
E-commerce
Total retail market
36%
26%
21%
17%
Sweden
Norway
Denmark
Finland
Total GDP
€ 1.342
billion
11. NEXT 20 YEARS OF DIGITALISATION
First 20 years Next 20 years
12. NEXT 20 YEARS OF DIGITALISATION
• Digitalisation of simple
business models
• Information arbitrage
• Hardcoded automation
• On-premise solutions
First 20 years Next 20 years
13. NEXT 20 YEARS OF DIGITALISATION
• Digitalisation of simple
business models
• Information arbitrage
• Hardcoded automation
• On-premise solutions
• Digitalisation of complex
business models
• Vertical integration
• Data – most valuable asset
• Automated ecosystems
First 20 years Next 20 years
25. Source: Hackett Group, Qvalia
€ 234 billion
Capital loss in EU due to
dispute management
0,017%
Average cost of
dispute management
WHAT IS THE COST?
38. GETTING STARTED
DATA
QUALITY
STRUCTURE
SCALE
Take control of
your data.
Map and assess.
Enhance
data quality.
Know your
stakeholders.
Categorise
data.
Develop and
align processes.
Refine and
automate.
Develop and scale
through control.
39. 1. Define your financial
vision
Align with long-term corporate strategy
ü Customer behavior
ü Ways of working
40. 2. ASSESS YOUR DATA
What data does your organisation actually
require?
ü What is analogue, digital?
ü How does the input look like?
ü How is it updated?
41. 3. CREATE A ROADMAP
Define minimum viable step
ü Create a timeline
ü Small incremental improvements