This document outlines a keynote presentation on digital transformation. It discusses how the digital world is changing rapidly and killing off traditional industries. Companies must innovate their business models, products, and customer experiences to keep up. The presentation emphasizes designing solutions based on customer needs and creating seamless, integrated customer interactions across channels. It provides examples of how to map out customer journeys and needs against business goals to develop a unified vision.
How disruptive Innovation can be realized in Banking & Insurance
Why is this successful?
- results are almost guaranteed due to the funnel
- winning ideas are likely to be AWESOME, because they have seen many iterations
- bad ideas drop out immediately high cost savings
- highly motivated employees
We create new products/services, entire startups or a digital unit for you
With our approach, team, technology and entrepreneurial attitude we identify, validate and evolve business opportunities and quickly turn them into highly profitable businesses – potentially even realizing a disruptive product. We have a proven track record with top market players across a wide range of industries. Talk to us to see how we can develop awesome ideas for your digital future.
We love to design the future – together with you.
1 | Robust Framework
A blend of the best Silicon Valley-proven methodologies forms our comprehensive framework:
Design Thinking
Business Model Generation,
Lean Startup, Lean Marketing, Lean Analytics,
Customer Development,
Agile, Scrum, Kanban …
We guide the project team throughout the process using our framework.
1 | New products, services and disruptive business ideas
We build digital products and services for B2C and B2B that we validate in multiple iterations with your potential customers. In the next stage, we launch the product/service as a Minimum Viable Product (MVP) to validate it by a larger target group and that’s when we start pivoting and tweaking. If customers love the product/service and are willing to pay for it, we consider the product investment ready and that’s when we start growth-hacking the new business. Naturally, all decisions are data-driven.
THIS IS AWESOME - Company Builder
2 | From new departments to entire startups
New products and services lead to:
a new venture as an autonomous business that may later be reintegrated back into your existing organization
a new department within your exiting organization
adoption by an existing department within your organization
You can count on our experience, knowhow and resources every step of the way.
3 | Innovation unit / Digital unit
Talk to us if you want to set up your own innovation or digital unit within your organization. We can get you standing on your own two feet by training you to use our framework and handing over everything you need to run the CATAPULT™ software stack on your own. Technology
With our HR, training and mentoring programs, we’re with you every step of the way until you’re ready to run independently. Talents
Keynote: why are Innovations critical for Banks & Insurances?
A perspective on the Financial Services industry: the amount of changes will only accelerate.
- Exponential technologies are driving change; convergence of several disciplines from software to devices to biotech
- Our expectations as consumers are set by our online experience from services such as Facebook, Google or Amazon
- Disruption pattern: startups put themselves in-between the customer and the company
(i.e. check24)
- Industry changes leading to further FinTech & InsureTech investments
- Margin pressure: banks & insurrance by the lowest interest rates we have seen in 2.000 years
- User Experience is driving value in a new way – and most startups understand customer-centricity
- Banks & Insurance companies are under pressure because their offering is fundamentally undifferentiated
- Regulators are opening up: i.e. PSD II forces the banks to open up their data; full disclosure of insurance commissions will arrive soon
- Customers don’t want to be ‘told’ anymore: they don’t come to branches anymore - buy how can advice as the key point of sales be digitized?
Banks need to build up digital capabilities based on 5 pillars plus 1 enabling capability:
(1) DATA-DRIVEN DIGITAL INSIGHTS
- Data-driven segmentation & Value Proposition Design
- 360° single customer view
- Customer Experience excellence
- Comprehensive data ecosystem, including 3rd party APIs
(2) CUSTOMER EXPERIENCE EXCELLENCE
- Customer-centric experience design & processes
- Omni-channel experience delivery
- Journey consistent front-to-back, end2end
- Clear brand positioning & brand amplified by a purpose
(3) DIGITAL MARKETING
- Data-driven, real-time segmentation & cohort analysis
- Data-driven customer- life-cycle management
- Targeted digital (performance) marketing
(4) DIGITALLY ENABLED OPERATIONS
- Operations are designed to support customer journeys
- Streamlined and automated fulfillment processes
- Digitized sales and service interactions
(5) SMART TECHNOLOGY SETUP
- Scalable application architecture
- Flexible IT architecture (i.e. SOA) with clear messaging
- Flexible IT infrastructure
(6) DIGITAL ENABLERS
- Digital Talent Management
- Value-driven Organisation & governance
- Test-and-learn culture
We feel honoured McKinsey copied this model in the following article:
Cutting through the noise around financial technology, Feb 2016: http://bit.ly/1Rtz0AF
Whitepaper: Why banks need to move if they want to own banking in the future.Stefan F. Dieffenbacher
1. Executive Summary
Driven by the top Internet players the speed of change in the financial services market is rapidly increasing. To secure their business and generate further growth these Internet players are forced to attack additional markets and the financial services market is one of them.
They will conquer the financial services market by
• utilizing their global customer base and advanced customer intelligence (data),
• by connecting today separated services to an eco system using technology and delivering advanced user experience
• and their ability to move fast.
Their entry point to the financial services market is the offering of payment services to their clients through the use of their mobile devices. Extending the functionality of wallets will challenge classical retail banking’s value proposition as these Internet companies can go far beyond classical value propositions.
Some traditional financial services companies already start to understand that the time for a change has come, as these developments will challenge their core business models in very few years. For the first time, this many large-scale companies are starting to invest in programs in large excess of €500m to become better in digital.
While huge investments are not a sufficient reaction to the challenges of the market, players that will not follow the trend will lose their current position in the next years.
Traditional bank’s service offering and channel mix needs to be further rethought and adapted, followed by a fast-paced execution to respond to today’s quickly emerging reality. Players who are not able to manifest their position in the digital channels soon will be challenged in their existence.
The strategic transition needs to be guided by a short-term tactical approach to seriously start earning money in digital. On top of the pure positive financial impact of such a tactical approach, achieving significant sales through a much stronger public website as well as data-driven up- and cross-selling measures will start a cultural shift within the bank. When executives and employees discover that suddenly the digital channels generate large amounts of money, a movement of change could be kicked off. That would be the basis to understand the urgency and the possibility to develop a guiding coalition – the start of any strong change process.
2. Introduction
We are convinced that banks needs to even further raise their attention to their Digital Channels and some necessary adoptions of their business models to stay long term successful. We have rationalized our analysis and proposed actions by a large body of research and facts, which provide deep evidence and insights in recent market evolutions.
To provide a complete picture we showcase recent alterations and transformations in diverse industries, highlight the changing face of the insurance industry and subsequently dive into an analysis of the banking industry. We cover w
The talk provides a new perspective on leadership in the digital age. Key topics include:
1. Organisational development: changing from a top-down, military-style organisation towards a supportive, adaptive and open organisation. Led by a leader who supports those in contact with the customers as opposed to a director / dictator who dictates from the top.
2. How to lead: Leadership involves setting a direction which people can follow. The author proposes to use the OKR framework (objective and key results), introduced by google, as a basis. The key steps in implementing the same are laid out as follows:
#1 Start defining OKRs to set an example.
#2 Publish immediately, visible for everyone.
#3 Get everyone involved.
#4 OKRs are set jointly only. There is no top-down.
#5 Discussion happens in the team(s) only.
#6 There is no punishment, it is a joint experience.
#7 Ensure everyone is walking in the same direction.
3. Setting a direction & vision: leadership further involves setting a direction. This is ultimately the duty of both the customer and the organisation. Only jointly can a correct vision and direction be determined, else we miss the market requirements.
4. What is strategy in this context: strategy, at it's simplest, is a direction and a verified path how to get there (the later typically referred to as a roadmap). Most strategies are superb in painting a vision, but lack the roadmap aspects of it, so they ultimately fall short of explaining how to realise the vision.
5. How to execute: execution can only be agile. Over waterfall, it has several key advantages:
#1 Customer testing & fast market feedback!
#2 Product doesn‘t need to be fixed for the next 2 years
#3 Limited risk
#4 Significantly faster (if well executed)
#5 Attention: agile doesn‘t mean without a goal
We prefer to step on board when your company is looking to define its long-term strategies. Because that's when we can use the complete playing field - for developing strategies which result in a measurable improvement of your key indicators.
We've developed our own method for reorienting / relaunching digital projects. It takes a holistic approach to all the component parts: right from the business case, user experience and business requirements to the process design, technology and content.
Which is why we work intensively within interdisciplinary teams, make use of our frameworks, draw on our wide range of experience and lead workshops - until we've seen to it that you reach your goals. This process is typically followed by the development of a digital concept.
20150512 presentation seminar digital transformationPascal Spelier
This presenation I gave at Capgemini's Seminar on Digital Transformation (https://www.se.capgemini.com/events/seminar-digital-transformation-may-12th) in Sweden. Don't hesitate to contact me if you want more information about the topic and the contents of the presentation: pascal.spelier(at)capgemini.com
Thoughts on best practices to guide digital transformation. Covers 5 areas:- leadership, organisation and culture, the customer experience, the digital platform and execution.
1234 Digital Transformation Framework 2018Filip Drimalka
Introducing the world's first framework for the internal digital transformation of organizations and businesses of all sizes.
(The book "The road to digital transformation" out March 2018)
How disruptive Innovation can be realized in Banking & Insurance
Why is this successful?
- results are almost guaranteed due to the funnel
- winning ideas are likely to be AWESOME, because they have seen many iterations
- bad ideas drop out immediately high cost savings
- highly motivated employees
We create new products/services, entire startups or a digital unit for you
With our approach, team, technology and entrepreneurial attitude we identify, validate and evolve business opportunities and quickly turn them into highly profitable businesses – potentially even realizing a disruptive product. We have a proven track record with top market players across a wide range of industries. Talk to us to see how we can develop awesome ideas for your digital future.
We love to design the future – together with you.
1 | Robust Framework
A blend of the best Silicon Valley-proven methodologies forms our comprehensive framework:
Design Thinking
Business Model Generation,
Lean Startup, Lean Marketing, Lean Analytics,
Customer Development,
Agile, Scrum, Kanban …
We guide the project team throughout the process using our framework.
1 | New products, services and disruptive business ideas
We build digital products and services for B2C and B2B that we validate in multiple iterations with your potential customers. In the next stage, we launch the product/service as a Minimum Viable Product (MVP) to validate it by a larger target group and that’s when we start pivoting and tweaking. If customers love the product/service and are willing to pay for it, we consider the product investment ready and that’s when we start growth-hacking the new business. Naturally, all decisions are data-driven.
THIS IS AWESOME - Company Builder
2 | From new departments to entire startups
New products and services lead to:
a new venture as an autonomous business that may later be reintegrated back into your existing organization
a new department within your exiting organization
adoption by an existing department within your organization
You can count on our experience, knowhow and resources every step of the way.
3 | Innovation unit / Digital unit
Talk to us if you want to set up your own innovation or digital unit within your organization. We can get you standing on your own two feet by training you to use our framework and handing over everything you need to run the CATAPULT™ software stack on your own. Technology
With our HR, training and mentoring programs, we’re with you every step of the way until you’re ready to run independently. Talents
Keynote: why are Innovations critical for Banks & Insurances?
A perspective on the Financial Services industry: the amount of changes will only accelerate.
- Exponential technologies are driving change; convergence of several disciplines from software to devices to biotech
- Our expectations as consumers are set by our online experience from services such as Facebook, Google or Amazon
- Disruption pattern: startups put themselves in-between the customer and the company
(i.e. check24)
- Industry changes leading to further FinTech & InsureTech investments
- Margin pressure: banks & insurrance by the lowest interest rates we have seen in 2.000 years
- User Experience is driving value in a new way – and most startups understand customer-centricity
- Banks & Insurance companies are under pressure because their offering is fundamentally undifferentiated
- Regulators are opening up: i.e. PSD II forces the banks to open up their data; full disclosure of insurance commissions will arrive soon
- Customers don’t want to be ‘told’ anymore: they don’t come to branches anymore - buy how can advice as the key point of sales be digitized?
Banks need to build up digital capabilities based on 5 pillars plus 1 enabling capability:
(1) DATA-DRIVEN DIGITAL INSIGHTS
- Data-driven segmentation & Value Proposition Design
- 360° single customer view
- Customer Experience excellence
- Comprehensive data ecosystem, including 3rd party APIs
(2) CUSTOMER EXPERIENCE EXCELLENCE
- Customer-centric experience design & processes
- Omni-channel experience delivery
- Journey consistent front-to-back, end2end
- Clear brand positioning & brand amplified by a purpose
(3) DIGITAL MARKETING
- Data-driven, real-time segmentation & cohort analysis
- Data-driven customer- life-cycle management
- Targeted digital (performance) marketing
(4) DIGITALLY ENABLED OPERATIONS
- Operations are designed to support customer journeys
- Streamlined and automated fulfillment processes
- Digitized sales and service interactions
(5) SMART TECHNOLOGY SETUP
- Scalable application architecture
- Flexible IT architecture (i.e. SOA) with clear messaging
- Flexible IT infrastructure
(6) DIGITAL ENABLERS
- Digital Talent Management
- Value-driven Organisation & governance
- Test-and-learn culture
We feel honoured McKinsey copied this model in the following article:
Cutting through the noise around financial technology, Feb 2016: http://bit.ly/1Rtz0AF
Whitepaper: Why banks need to move if they want to own banking in the future.Stefan F. Dieffenbacher
1. Executive Summary
Driven by the top Internet players the speed of change in the financial services market is rapidly increasing. To secure their business and generate further growth these Internet players are forced to attack additional markets and the financial services market is one of them.
They will conquer the financial services market by
• utilizing their global customer base and advanced customer intelligence (data),
• by connecting today separated services to an eco system using technology and delivering advanced user experience
• and their ability to move fast.
Their entry point to the financial services market is the offering of payment services to their clients through the use of their mobile devices. Extending the functionality of wallets will challenge classical retail banking’s value proposition as these Internet companies can go far beyond classical value propositions.
Some traditional financial services companies already start to understand that the time for a change has come, as these developments will challenge their core business models in very few years. For the first time, this many large-scale companies are starting to invest in programs in large excess of €500m to become better in digital.
While huge investments are not a sufficient reaction to the challenges of the market, players that will not follow the trend will lose their current position in the next years.
Traditional bank’s service offering and channel mix needs to be further rethought and adapted, followed by a fast-paced execution to respond to today’s quickly emerging reality. Players who are not able to manifest their position in the digital channels soon will be challenged in their existence.
The strategic transition needs to be guided by a short-term tactical approach to seriously start earning money in digital. On top of the pure positive financial impact of such a tactical approach, achieving significant sales through a much stronger public website as well as data-driven up- and cross-selling measures will start a cultural shift within the bank. When executives and employees discover that suddenly the digital channels generate large amounts of money, a movement of change could be kicked off. That would be the basis to understand the urgency and the possibility to develop a guiding coalition – the start of any strong change process.
2. Introduction
We are convinced that banks needs to even further raise their attention to their Digital Channels and some necessary adoptions of their business models to stay long term successful. We have rationalized our analysis and proposed actions by a large body of research and facts, which provide deep evidence and insights in recent market evolutions.
To provide a complete picture we showcase recent alterations and transformations in diverse industries, highlight the changing face of the insurance industry and subsequently dive into an analysis of the banking industry. We cover w
The talk provides a new perspective on leadership in the digital age. Key topics include:
1. Organisational development: changing from a top-down, military-style organisation towards a supportive, adaptive and open organisation. Led by a leader who supports those in contact with the customers as opposed to a director / dictator who dictates from the top.
2. How to lead: Leadership involves setting a direction which people can follow. The author proposes to use the OKR framework (objective and key results), introduced by google, as a basis. The key steps in implementing the same are laid out as follows:
#1 Start defining OKRs to set an example.
#2 Publish immediately, visible for everyone.
#3 Get everyone involved.
#4 OKRs are set jointly only. There is no top-down.
#5 Discussion happens in the team(s) only.
#6 There is no punishment, it is a joint experience.
#7 Ensure everyone is walking in the same direction.
3. Setting a direction & vision: leadership further involves setting a direction. This is ultimately the duty of both the customer and the organisation. Only jointly can a correct vision and direction be determined, else we miss the market requirements.
4. What is strategy in this context: strategy, at it's simplest, is a direction and a verified path how to get there (the later typically referred to as a roadmap). Most strategies are superb in painting a vision, but lack the roadmap aspects of it, so they ultimately fall short of explaining how to realise the vision.
5. How to execute: execution can only be agile. Over waterfall, it has several key advantages:
#1 Customer testing & fast market feedback!
#2 Product doesn‘t need to be fixed for the next 2 years
#3 Limited risk
#4 Significantly faster (if well executed)
#5 Attention: agile doesn‘t mean without a goal
We prefer to step on board when your company is looking to define its long-term strategies. Because that's when we can use the complete playing field - for developing strategies which result in a measurable improvement of your key indicators.
We've developed our own method for reorienting / relaunching digital projects. It takes a holistic approach to all the component parts: right from the business case, user experience and business requirements to the process design, technology and content.
Which is why we work intensively within interdisciplinary teams, make use of our frameworks, draw on our wide range of experience and lead workshops - until we've seen to it that you reach your goals. This process is typically followed by the development of a digital concept.
20150512 presentation seminar digital transformationPascal Spelier
This presenation I gave at Capgemini's Seminar on Digital Transformation (https://www.se.capgemini.com/events/seminar-digital-transformation-may-12th) in Sweden. Don't hesitate to contact me if you want more information about the topic and the contents of the presentation: pascal.spelier(at)capgemini.com
Thoughts on best practices to guide digital transformation. Covers 5 areas:- leadership, organisation and culture, the customer experience, the digital platform and execution.
1234 Digital Transformation Framework 2018Filip Drimalka
Introducing the world's first framework for the internal digital transformation of organizations and businesses of all sizes.
(The book "The road to digital transformation" out March 2018)
Digital Customer Experience strategy & Marketing Automation for Philips Healt...Arjan Kramer
Presentation for the Business Circle Event Strategie Forum CRM & Vertrieb 2014
A presentation of the overarching Digital Customer Experience strategy setup for Philips and specific case study on rolling out Marketing Automation with Oracle Eloqua (Oracle Marketing Cloud)
http://www.businesscircle.at/marketing-pr-vertrieb/konferenz/crm-forum
Design Thinking for E-Commerce
The goal is to understand consumer behavior from our E-Commerce at the deepest levels, to develop empathy with the person we’re hoping to serve.
www.heruwijayanto.com
Digital Transformation and the Customer ExperienceMat Ford
Exploring the barriers to Digital Transformation, and providing a framework to bring about evolution while understanding the changing nature of Customer Experience.
Digital Business Transformation | Strategy + Executionfeature[23]
Speed of innovation and certainty of your digital technology strategy is your new IP.
Market leading brands know they are competing in the 3rd Industrial Revolution – The Software Economy – and they will live or die by their digital adoption. Companies mature in digital business transformation are outperforming, making more money, and are more profitable than their peers.
These Digital Leaders are proactively transforming their business models and leading their segments through the frenetic pace of social, mobile, analytics, cloud, and the Internet of Everything. Unfortunately, digital is still shrouded in confusion, viewed as a cost center, and punished with inadequate funding.
How do you transform modern businesses at scale by creating technology-based capabilities, products, services, and business outcomes that delivers your authentic brand promise?
Deloitte Digital NL - Voice of the customer (CB seminar)Victor Hoong
In early 2013, Deloitte and Bazaarvoice partnered to investigate what online consumer feedback reviews could reveal on the relationships between NPS, price, product assortment and customer service. In a short 5 week project 7.8 million customer reviews across 230 different businesses were interrogated. A selection of the key findings were included in this short presentation given at the Deloitte Consumer Business Predictions event @Rotterdam May 2013.
The Four Essential Pillars of Digital TransformationIan Thomas
Based on years of practical experience this whitepaper distils four key pillars we have observed time and again in successful digital initiatives, providing a structured foundation for an orderly, end-to-end digital transformation of the enterprise.
The End of Stability: Rethinking Strategy for an Uncertain AgeCapgemini
Rita McGrath, a Professor at Columbia Business School, is one of the foremost experts on strategy and innovation. Her work focuses on strategy development in uncertain environments and her latest book is called The End of Competitive Advantage: How to Keep Your Strategy Moving as Fast as Your Business. Rita McGrath has been recognized among the Top 10 Most Influential Business Thinkers by Thinkers50 in 2015. Capgemini Consulting spoke to Rita McGrath to understand how organizations should go about strategy development in an era of accelerated change and disruption.
Rethink and Realign for Digital Transformation SuccessPerficient, Inc.
The drive towards digital transformation begins with the customer and extends far into the company, affecting every area of an organization from vision and strategy to architecture, technology, and operational changes. Digital transformation is a complex maze to navigate and requires rethinking and realigning your strategy and organization for success.
Perficient’s digital transformation strategists Michael Porter and David Stallsmith led a roundtable discussion with guest speaker Nigel Fenwick, Vice President and Principal Analyst covering digital business strategy with Forrester Research. The discussion focused on how companies must structure their organizations across people, process, and technology to achieve a successful digital transformation.
Our speakers touched on a broad range of topics from current trends, roadmaps, and technology you can use to create a better vision, to developing the proper tactics, strategy, and the benchmarks that will enable you to demonstrate value to your customers and your company.
Topics included:
• Crafting a vision that works for your company
• Understanding where you are on your journey
• Aligning executive vision with business and IT roles
• Making the business case for digital transformation
• Combining tactical projects with the digital transformation strategic vision
• Uncovering and managing technology gaps
The Bank of the Future: How Deloitte Powers the Omnichannel Digital ExperienceSalesforce Marketing Cloud
Imagine the perfect, personalized experience with your bank: they recognize when you enter, know your interests before you ask, offer the relevant products you need and reward you for engaging with them. Deloitte Digital is powering this connected experience using Marketing Cloud and the latest technology: in-store beacons, mobile push, and direct-to-sales integration.
Explore the influence of this technology and opportunity for banking with Dounia Lievan, Deloitte director and banking sector lead and Alicia Saddock, marketing cloud lead. See the experience live in Journey Builder, and talk directly with their implementation experts.
Didier Bonnet: Oracle Open World Presentation on #LeadingDigitalCapgemini
Didier Bonnet, Capgemini Consulting’s global head of digital transformation and coauthor (with MIT’s George Westerman and Andrew McAfee) of the upcoming book Leading Digital, delivered his keynote presentation at Oracle Open World on 30th September in San Francisco. In his keynote session "Leading Digital Transformation Now—No Matter What Business You’re In", Bonnet highlights how large companies in traditional industries—from finance to manufacturing to pharmaceuticals—are using digital to gain strategic advantage. Bonnet also highlights the principles and practices that lead to successful digital transformation based on a two-part framework: where to invest in digital capabilities, and how to lead the transformation.
Digital Transformation in Customer Service: Roadmap for Success in 2014Ajit Khadd
Consumers have gone digital; you hear phrases like “digital by default” and “digital transformation”
in the C-suite. In fact, CDOs (Chief Digital Officers) are the latest addition to the C-suite!
Today's customers are fundamentally different from customers of past years as they are harder to acquire, retain, and delight because of the explosion in digital technologies consumers use day to day. New digital experiences are forcing banks to play catch-up and match the innovative and engaging interactions and products — such as mobile payments — that non-banks are offering to those same customers. This IDC research, sponsored by TCS Digital Software & Solutions Group, revealed three key themes for digital transformation in the banking industry.
Digital Customer Experience strategy & Marketing Automation for Philips Healt...Arjan Kramer
Presentation for the Business Circle Event Strategie Forum CRM & Vertrieb 2014
A presentation of the overarching Digital Customer Experience strategy setup for Philips and specific case study on rolling out Marketing Automation with Oracle Eloqua (Oracle Marketing Cloud)
http://www.businesscircle.at/marketing-pr-vertrieb/konferenz/crm-forum
Design Thinking for E-Commerce
The goal is to understand consumer behavior from our E-Commerce at the deepest levels, to develop empathy with the person we’re hoping to serve.
www.heruwijayanto.com
Digital Transformation and the Customer ExperienceMat Ford
Exploring the barriers to Digital Transformation, and providing a framework to bring about evolution while understanding the changing nature of Customer Experience.
Digital Business Transformation | Strategy + Executionfeature[23]
Speed of innovation and certainty of your digital technology strategy is your new IP.
Market leading brands know they are competing in the 3rd Industrial Revolution – The Software Economy – and they will live or die by their digital adoption. Companies mature in digital business transformation are outperforming, making more money, and are more profitable than their peers.
These Digital Leaders are proactively transforming their business models and leading their segments through the frenetic pace of social, mobile, analytics, cloud, and the Internet of Everything. Unfortunately, digital is still shrouded in confusion, viewed as a cost center, and punished with inadequate funding.
How do you transform modern businesses at scale by creating technology-based capabilities, products, services, and business outcomes that delivers your authentic brand promise?
Deloitte Digital NL - Voice of the customer (CB seminar)Victor Hoong
In early 2013, Deloitte and Bazaarvoice partnered to investigate what online consumer feedback reviews could reveal on the relationships between NPS, price, product assortment and customer service. In a short 5 week project 7.8 million customer reviews across 230 different businesses were interrogated. A selection of the key findings were included in this short presentation given at the Deloitte Consumer Business Predictions event @Rotterdam May 2013.
The Four Essential Pillars of Digital TransformationIan Thomas
Based on years of practical experience this whitepaper distils four key pillars we have observed time and again in successful digital initiatives, providing a structured foundation for an orderly, end-to-end digital transformation of the enterprise.
The End of Stability: Rethinking Strategy for an Uncertain AgeCapgemini
Rita McGrath, a Professor at Columbia Business School, is one of the foremost experts on strategy and innovation. Her work focuses on strategy development in uncertain environments and her latest book is called The End of Competitive Advantage: How to Keep Your Strategy Moving as Fast as Your Business. Rita McGrath has been recognized among the Top 10 Most Influential Business Thinkers by Thinkers50 in 2015. Capgemini Consulting spoke to Rita McGrath to understand how organizations should go about strategy development in an era of accelerated change and disruption.
Rethink and Realign for Digital Transformation SuccessPerficient, Inc.
The drive towards digital transformation begins with the customer and extends far into the company, affecting every area of an organization from vision and strategy to architecture, technology, and operational changes. Digital transformation is a complex maze to navigate and requires rethinking and realigning your strategy and organization for success.
Perficient’s digital transformation strategists Michael Porter and David Stallsmith led a roundtable discussion with guest speaker Nigel Fenwick, Vice President and Principal Analyst covering digital business strategy with Forrester Research. The discussion focused on how companies must structure their organizations across people, process, and technology to achieve a successful digital transformation.
Our speakers touched on a broad range of topics from current trends, roadmaps, and technology you can use to create a better vision, to developing the proper tactics, strategy, and the benchmarks that will enable you to demonstrate value to your customers and your company.
Topics included:
• Crafting a vision that works for your company
• Understanding where you are on your journey
• Aligning executive vision with business and IT roles
• Making the business case for digital transformation
• Combining tactical projects with the digital transformation strategic vision
• Uncovering and managing technology gaps
The Bank of the Future: How Deloitte Powers the Omnichannel Digital ExperienceSalesforce Marketing Cloud
Imagine the perfect, personalized experience with your bank: they recognize when you enter, know your interests before you ask, offer the relevant products you need and reward you for engaging with them. Deloitte Digital is powering this connected experience using Marketing Cloud and the latest technology: in-store beacons, mobile push, and direct-to-sales integration.
Explore the influence of this technology and opportunity for banking with Dounia Lievan, Deloitte director and banking sector lead and Alicia Saddock, marketing cloud lead. See the experience live in Journey Builder, and talk directly with their implementation experts.
Didier Bonnet: Oracle Open World Presentation on #LeadingDigitalCapgemini
Didier Bonnet, Capgemini Consulting’s global head of digital transformation and coauthor (with MIT’s George Westerman and Andrew McAfee) of the upcoming book Leading Digital, delivered his keynote presentation at Oracle Open World on 30th September in San Francisco. In his keynote session "Leading Digital Transformation Now—No Matter What Business You’re In", Bonnet highlights how large companies in traditional industries—from finance to manufacturing to pharmaceuticals—are using digital to gain strategic advantage. Bonnet also highlights the principles and practices that lead to successful digital transformation based on a two-part framework: where to invest in digital capabilities, and how to lead the transformation.
Digital Transformation in Customer Service: Roadmap for Success in 2014Ajit Khadd
Consumers have gone digital; you hear phrases like “digital by default” and “digital transformation”
in the C-suite. In fact, CDOs (Chief Digital Officers) are the latest addition to the C-suite!
Today's customers are fundamentally different from customers of past years as they are harder to acquire, retain, and delight because of the explosion in digital technologies consumers use day to day. New digital experiences are forcing banks to play catch-up and match the innovative and engaging interactions and products — such as mobile payments — that non-banks are offering to those same customers. This IDC research, sponsored by TCS Digital Software & Solutions Group, revealed three key themes for digital transformation in the banking industry.
Digital Transformation Playbook: Guide to Unleashing Exponential GrowthBMC Software
BMC, the global leader in IT solutions for the digital enterprise, has teamed with PSFK, one of the world’s leading think tanks, to develop The Digital Transformation Playbook. This guide provides key insights and actionable steps for business executives and public sector organizations to follow as they seek to enhance customer experiences, processes, and business models through digital transformation. To download a complimentary copy of The Digital Transformation Playbook, visit http://www.bmc.com/playbook.
Digital transformation report sweden july 2017Ola Reppling
Digital Transformation Report 2017
@Qvartz and Microsoft have interviewed leading Swedish companies in many industries about Digital Transformation and the practical aspects of it. Understanding the What, Why and How of Digital Transformation. There are many commonalities across industries and between companies, but my key take-away is that there is no silver bullet. You can’t use the cookie cutter and use the same solution over and over again. Each company and situation is different and therefor each company approach needs to be different, both in What, How and timing. This report strengthens my view that Microsoft is in a unique position to support our customers as we continue to invest in both our platform, but more importantly, in our customer relationships.
When we are in a strategic partnership with our customers we can really support them in all stages of the Digital Transformation Maturity Curve. Many of our larger customers have different units/divisions that are in different stages of the maturity curve and Microsoft’s flexible, scalable and versatile platform and way of working allows us to support the customer as needed in throughout the company.
The report also reinforces the validity and importance of Microsoft’s four pillars of Digital Transformation: Engage your customer, Empower your employees, Optimize your operations and Transform your products.
The report will give you a benchmark of where Swedish customers are on their Digital Transformation journey and some insights into the What, Why and How.
What banks will have to work on over the next couple of years:
in 2013, bank customers have spent 400 minutes per year in the digital channels, but only 1 minute per year on average in direct contact with their bank advisor. 60% of the European population just never went into any bank branch at all (excluding ATM usage). However 90% of the sales still comes from the branches.
Banks will have to fundamentally address this challenge and see how they can become more relevant to consumers and how to sell online.
This keynote addresses the fundamental issues of banks from three perspectives:
- The challenges the users want to have solved
- The challenges coming from an external, market / competitive environment
- The challenges the business has to solve internally
The presentation is fun and thought provoking containing many fresh ideas on the future of banking. Feel free to get in touch!
Digital Transformation - International Days - Artevelde University College - ...Ayman van Bregt
Lecture on digital transformation for students of the Artevelde University College in Ghent, Belgium.
The internet has been around for 25 years and has caused many disruptions. With more disruptions to come, many organizations are seeking for ways to use digital opportunities in a meaningful way creating more value for customers and sustaining their business.
The impact of the development of the Web on marketing and communications and how it causes digital disruption for companies is shown in this talk. With practical examples you will get insights in how organizations can create more value for customers at the same time also the organization can benefit from these efforts. Several digital developments such as mobile, social and 'internet of things' will be presented. Besides the use of theoretical models for digital disruption and digital transformation, some case studies are presented which bring directly applicable tips to take home.
Principles for digital transformation are a changing value proposition, business model, culture, technology and organization.
Keynote: The User Experience Strategy behind one of Europe’s largest Digital ...Stefan F. Dieffenbacher
The User Experience Strategy behind one of Europe’s largest Digital Transformations is a presentation that summarizes the digital strategy approach taken for a key bank in Europe.
It takes the reader through three stages:
1. Why was a digital strategy required to start with? Why could the bank no more operate as-is?
2. What was the overall solution and design approach? At this point in time, the Digital Leadership strategy framework is being introduced.
3. How was the actual solution developed across both phases? In the first phase, the presentation talks through the key steps, namely:
3a. customer segmentation
3b. persona development
3c. understanding of user needs
3d. understanding of business needs
3e. developing an overarching vision based on business goals and user needs
3f. Deriving the functional scope - termed at Digital Leadership a Scope Landscape
The second phase then goes on to detail out the solution approach which was basically about detailing out the strategy from phase 1 and validating it in details.
Keynote: "Digitale Transformation für Banken - mitspielen oder untergehen"Stefan F. Dieffenbacher
Keynote: "Digitale Transformation für Banken - mitspielen oder untergehen"
Die Keynote ist in zwei große Teile aufgeteilt:
1/ Das Bedrohungsszenario: Teil 1: Die Welt ändert sich
2/ Noch nie war der Appetit nach Innovationen größer - wie können Banken reagieren?
Der erste Teil fasst die Veränderung der vergangenen Jahre zusammen und zeigt auf welche anderen Branchen durch die digitale Revolution sprichwörtlich weggefegt worden sind. Auch groß zu sein reicht nicht mehr aus: "too big to fail" gibt es nicht mehr. Der Vortrag geht folgend auf aktuelle Bankstatistiken ein: kaum jemand besucht heute noch tatsächlich eine Bank und kommt zur Schlussfolgerung: Banken schaffen es noch nicht mit ihren Online Kunden Geld zu verdienen! Das ist aber die wachsende Herausforderung in Anbetracht der Generation X und Generation Y.
Drei Kerngedanken...
1. Wer die Kundenbeziehung besitzt, besitzt das Geschäft und den Gewinn. 2. Banken sind heute ein “low involvement business”.
3. Apple, Google und Co. werden ihre starken Kundenbeziehungen nutzen
um ihre Konkurrenten in den Hintergrund zu drängen.!
Im zweiten Teil wird der Hunger nach Innovationen dargestellt. Aber was ist eine Innovation? Die großen des Internets - Apple, Google, Facebook, AliBaba und Amazon leben und sind vorwiegend durch User Experience Innovationen erfolgreich geworden.
Es braucht einen klaren Ansatz um eine Digitale Strategie zu erstellen und die digitale Transformation zu schaffen. Die 7 zentralen Schritte hierzu werden knapp anhand von Beispielen aufgezeigt:
1/ Stakeholders
Stakeholder identification
Personas
Initial market & competitive analysis
Other inputs to needs
2/ Expected benefits
Departmental inputs
Benefits identification
Benefits breakdown
BI & Analytics review
Initial opportunity identification
3/ Overall direction
Vision
Goals
Business objectives
Project Motivation
4/ Product development
Key user tasks
Cross-channel experience journeys
Scope Landscape
Roadmap
Content org model
Site org model
5/ Costs
Technical architecture
Draft cost breakdown
Initial project plan
Organisational setup post launch
Cost assumptions
6/ Business Case
Business case
Funding options
Business Case presentation
7/ Approach & Plan
Initial draft plan till go-live
Project plan strategy & concept phase
Digital banking: Why are banks not performing as well as they could do?Stefan F. Dieffenbacher
Driven by the top Internet players the speed of change in the financial services market is rapidly increasing. To secure their business and generate further growth the large-scale Internet players are forced to attack additional markets and the financial services market is one of them.
Leading Internet players will conquer the financial services market by
- utilizing their global customer base and advanced customer intelligence (data),
- by connecting today separated services to an eco system using technology
- and their ability to move fast.
Banks will have to react to the digital threads and do their homework. Some of the core actions required to achieve a better positioning in the digital channels are proposed within this slideshare.
Digital Transformation in Banking - Asseco SEE's Survey ReportAsseco SEE
Digital transformation of business implies an integrated use of modern technologies in all business operations. Banking is one of the industries that is very receptive to new technology, e.g. through the use of Internet and Mobile Banking. In order to gain a better insight in the implementation of digital transformation by the banks in the SEE region in selected countries, Asseco SEE carried out the „Digital Transformation Survey in Banking - 2016“. Questionnaires were used to collect information about the digital transformation processes among 140 bankers across Bosnia and Herzegovina, Bulgaria, Montenegro, Croatia, Kosovo, Slovenia, Serbia and other European countries. The results of this survey can be used by banks in the evaluation of their own digital transformation. The report presents the answers to the following five aspects of digital transformation: strategy & challenges, channels, customer experience & engagement as well as banks’ competitors in digital transformation. For an in-depth report, visit digitalbanking.asseco.com
Going Digital: The Banking Transformation Road MapSemalytix
The leaders in digital banking are more client-centric, tech-savvy, and inclusive—and are fundamentally changing to deliver the best results.
Most banks today want to become digital banking leaders—after all, that's where the customers are. And for much of the past decade as digital banking has taken hold, most leading traditional banks have incorporated strong digital strategies.
So what separates the digital banking leaders from the laggards? A new A.T. Kearney study on digitization, in conjunction with Efma, seeks the answer and finds three main findings: the leaders understand the importance of mobile in a digital strategy, they are developing more agile operating models, and, most notably, they have tackled the need for internal culture shifts (see sidebar: About the Study).
With top-down implementation, these leaders have set their paths toward becoming more client-centric, more tech-savvy, and more inclusive. As the market evolves even more rapidly through the end of the decade, all banks will have to adapt to a disruptive model in people and IT—the two engines of retail banking—and must fundamentally adapt to deliver the best results.
This paper looks at the trends and the path forward.
The Evolving Digital Journey
Most banks began their digital journey years ago and have clear digital strategies, yet even those are facing major changes. In particular, as more customers use their mobile phones and tablets to do their banking, and omnichannel takes hold in financial services, the mobile experience is becoming a crucial aspect of digital strategy that banks must address.
Secondly, to keep up in this fast-changing market, traditional banks will have to adapt their operating models. In particular, changes in IT, new products and services development, and changing expectations for time-to-market will be key factors going forward.
Perhaps the most important step, however, is that banking in the digital age requires a drastic, profound reset of how banking staff reacts to customer needs. This means thinking customer first, rather than by channel; as one panelist puts it, "Banks think in channels, but customers don't." It means being conscious that small digital players can gain market share faster and in a manner that is more disruptive to traditional banks' models. It means understanding that organizational silos pose significant obstacles to creating new solutions for customers. Most importantly, it means looking inward, changing organizational beliefs and habits to facilitate clients and drive digital innovation.
A new spirit of banking—led by top executives—will lead the way to addressing market changes, becoming more agile, and improving openness in day-to-day business.
- See more at: http://www.atkearney.com/latest-article/-/asset_publisher/lON5IOfbQl6C/content/going-digital-the-banking-transformation-road-map/10192?_101_INSTANCE_lON5IOfbQl6C_redirect=#sthash.oKsJGij3.dpuf
GE의 디지털 산업 변화 - GE's Digital Industrial Transformation PlaybookGE코리아
많은 곳에서 산업의 디지털 변화에 대해 이야기하지만, 소수의 산업기업만이 실제 변화를 겪고 있습니다. GE가 바로 그런 기업입니다. GE의 디지털 산업 변화 문서에서는 GE가 디지털 산업 변화를 경험하며 얻은 통찰, 공유, 도구, 기술 등을 전반적으로 소개합니다.
While much has been written about the digital transformation
of industry, few industrial companies have undertaken the
daunting work of actually transforming. GE has and is.
This paper provides an overview of the insights, lessons
learned, tools, and techniques that GE acquired through its
own digital industrial transformation experience.
OECD Digital Economy Outlook 2017: Setting the foundations for the digital tr...innovationoecd
The Digital Economy Outlook 2017 shows how Internet infrastructure and usage varies across countries and firms in the OECD area. It looks at policy implications of the digital transformation as well as a wide array of trends. Report available at http://oe.cd/deo2017 - See also the OECD Going Digital project: www.oecd.org/going-digital
Everyday Bank: A Journey to Digital TransformationBackbase
Accenture’s Senior Managing Director, Juan Pedro Moreno, shares the firm’s vision for banks in the digital age. During this free, one hour long webinar, Juan Pedro will highlight:
- How customer behavior has shaped a digital revolution for banks,
- How technology is blurring the boundaries that define customer service, and
- What threats and opportunities this emerging digital landscape presents for banks.
- Last but not least, he will go into the specific steps banks must take in order to become a successful Everyday Bank.
"Banks face a growing challenge from non-bank entities that are aggressively using digital innovations to take on functions traditionally part of banking. Think Amazon, which now offers loans to its merchants. Or the giant Alibaba, now the world’s largest payment provider. But banks have a huge competitive advantage in this digital world. With their vast digital data, payment know-how and deep understanding of compliance, security and financing, they are positioned to become an Everyday Bank, providing an unparalleled personalized customer experience that cannot be replicated by non-banks."
-- The Everyday Bank, Accenture.
Check out this presentation to find out how the digital transformation is changing the banking industry.
Find out more information on our blog: http://blog.gft.com/es/2015/12/29/transformacion-digital-en-la-oficina-bancaria-del-futuro/
This Backbase webinar will demonstrate how banks can innovate and become digital-first by adopting a more startup-like approach, where failure isn’t frowned upon but embraced. This approach acts as a catalyst for banks, so that they can better meet future challenges and client demands.
Watch the full webinar here: https://www.youtube.com/watch?v=XlYy0cskPTU
Report from the main day of Engage2015 conference held by Socialbakers in Prague, 21st May 2015.
Enjoy the insights from Lego, Adidas, KLM, Disney, Desigual, Lamborghini, Google and others.
Leading Digital Turning Tech into Business TransformationCapgemini
In this keynote Maggie will be sharing insights from Capgemini's research collaboration with the MIT and will highlight how large companies in traditional industries, from
finance to manufacturing to pharmaceuticals are using digital to gain strategic advantage. She will also cover the principles and practices that lead to successful digital transformation based on a two-part framework: where to invest in digital capabilities, and how to lead the transformation. About the author: Maggie works with CXOs globally to help them make digital a core part of how they do business and deliver on a profitable customer promise. Previously she was responsible for Global Cloud Sales and Consulting and delivered a number of transformation programs at other consulting and technology service companies. Maggie has significant international experience and is an accomplished
keynote speaker around the world.
Preparing for Digital Disruption: Future-Proofing Yourself and Your OrganizationGlobal Knowledge Training
http://ow.ly/OrvWm
In this world of volatility and complexity, it seems that the only certainty is the unstoppable advancement of technology. As people and organizations look to improve productivity, innovate their business models and processes, and differentiate their client and employee experiences, they need to be prepared to work in new and different ways. The challenge is that recent data reveals that Canada is falling behind the rest of the world in innovation, especially regarding new and disruptive technologies that promise to significantly impact every industry and organizations of all types and sizes.
In this slidedeck, explore the concept of digital disruption and provide information about how to future-proof yourself and your organization to succeed in this new world. You will learn:
What digital disruption is.
What the building blocks for success for both people and organizations are.
How you can use the new Canada Job Grant Program to develop the skills and knowledge required today and into the future.
ABOUT THE SPEAKERS
Michelle Moore is senior director of leadership and business solutions for Global Knowledge Canada, Europe, Middle East and Africa. A learning and development professional with more than 25 years of experience helping organizations solve business problems related to people and process, Moore has extensive experience working with both HR and IT. Her current mission is to help organizations make the most of the digital opportunity.
Jalene Lumb, a certified Project Management Professional (PMP®) with a Bachelor of Management degree from the University of Lethbridge, has worked with Global Knowledge for over 12 years, holding many roles within the company, from applications instructor to director of vendor management to senior project manager. These roles have enabled her to understand not only the different lines of businesses Global Knowledge offers, but also the intricate relationships between Global Knowledge and our valued partners. Lumb is also a member of Project Management Institute - Canada's Technology Triangle (PMI-CTT) chapter in Ontario and the Canadian Federation of University Women.
Marketing technology is on the minds of every marketer. But good marketing is not just about automation. You need to blend art with the science. You need to get emotional. Only then will you build meaningful, long term relationships with customers and d
Lean: A strategy for the digital transformation by Régis MedinaInstitut Lean France
What is the digital transformation about? Launching a new app? Being Agile? Using new technologies such as big data? No!
To succeed, a digital transformation requires to turn everyone into a smart creative. Step by step, Régis Medina of Institut Lean France explains the key contribution of Lean management in that journey.
Lean and digital transformation by Régis MedinaOperae Partners
What is the digital transformation about? Launching a new app? Being Agile? Using new technologies such as big data? No!
To succeed, a digital transformation requires to turn everyone into a smart creative. Step by step, Régis Medina Partner at Operae Partners explains the key contribution of Lean management in that journey.
Start Reaching the Always-On Consumer Starting Now: Five Key Marketing Projec...Signal
Learn the five ways you can begin to reach the always-on consumer starting now.
With a combined 25 years of digital experience representing both brands, marketing technology companies, and agencies, Ana and Drew will lay out the steps required to set your organization up for success and delight your customers across all touch points.
70% of marketers are not confident of their ability to deliver against their multichannel strategy. Are you one of them? Our latest research suggests that marketers are still struggling to react to new channels, devices and data with their current technology capability. View these slides to find out what are the top 5 challenges and how to beat them by integrating your website and marketing automation.
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The Team Member and Guest Experience - Lead and Take Care of your restaurant team. They are the people closest to and delivering Hospitality to your paying Guests!
Make the call, and we can assist you.
408-784-7371
Foodservice Consulting + Design
The case study discusses the potential of drone delivery and the challenges that need to be addressed before it becomes widespread.
Key takeaways:
Drone delivery is in its early stages: Amazon's trial in the UK demonstrates the potential for faster deliveries, but it's still limited by regulations and technology.
Regulations are a major hurdle: Safety concerns around drone collisions with airplanes and people have led to restrictions on flight height and location.
Other challenges exist: Who will use drone delivery the most? Is it cost-effective compared to traditional delivery trucks?
Discussion questions:
Managerial challenges: Integrating drones requires planning for new infrastructure, training staff, and navigating regulations. There are also marketing and recruitment considerations specific to this technology.
External forces vary by country: Regulations, consumer acceptance, and infrastructure all differ between countries.
Demographics matter: Younger generations might be more receptive to drone delivery, while older populations might have concerns.
Stakeholders for Amazon: Customers, regulators, aviation authorities, and competitors are all stakeholders. Regulators likely hold the greatest influence as they determine the feasibility of drone delivery.
Senior Project and Engineering Leader Jim Smith.pdfJim Smith
I am a Project and Engineering Leader with extensive experience as a Business Operations Leader, Technical Project Manager, Engineering Manager and Operations Experience for Domestic and International companies such as Electrolux, Carrier, and Deutz. I have developed new products using Stage Gate development/MS Project/JIRA, for the pro-duction of Medical Equipment, Large Commercial Refrigeration Systems, Appliances, HVAC, and Diesel engines.
My experience includes:
Managed customized engineered refrigeration system projects with high voltage power panels from quote to ship, coordinating actions between electrical engineering, mechanical design and application engineering, purchasing, production, test, quality assurance and field installation. Managed projects $25k to $1M per project; 4-8 per month. (Hussmann refrigeration)
Successfully developed the $15-20M yearly corporate capital strategy for manufacturing, with the Executive Team and key stakeholders. Created project scope and specifications, business case, ROI, managed project plans with key personnel for nine consumer product manufacturing and distribution sites; to support the company’s strategic sales plan.
Over 15 years of experience managing and developing cost improvement projects with key Stakeholders, site Manufacturing Engineers, Mechanical Engineers, Maintenance, and facility support personnel to optimize pro-duction operations, safety, EHS, and new product development. (BioLab, Deutz, Caire)
Experience working as a Technical Manager developing new products with chemical engineers and packaging engineers to enhance and reduce the cost of retail products. I have led the activities of multiple engineering groups with diverse backgrounds.
Great experience managing the product development of products which utilize complex electrical controls, high voltage power panels, product testing, and commissioning.
Created project scope, business case, ROI for multiple capital projects to support electrotechnical assembly and CPG goods. Identified project cost, risk, success criteria, and performed equipment qualifications. (Carrier, Electrolux, Biolab, Price, Hussmann)
Created detailed projects plans using MS Project, Gant charts in excel, and updated new product development in Jira for stakeholders and project team members including critical path.
Great knowledge of ISO9001, NFPA, OSHA regulations.
User level knowledge of MRP/SAP, MS Project, Powerpoint, Visio, Mastercontrol, JIRA, Power BI and Tableau.
I appreciate your consideration, and look forward to discussing this role with you, and how I can lead your company’s growth and profitability. I can be contacted via LinkedIn via phone or E Mail.
Jim Smith
678-993-7195
jimsmith30024@gmail.com
Artificial intelligence (AI) offers new opportunities to radically reinvent the way we do business. This study explores how CEOs and top decision makers around the world are responding to the transformative potential of AI.
Oprah Winfrey: A Leader in Media, Philanthropy, and Empowerment | CIO Women M...CIOWomenMagazine
This person is none other than Oprah Winfrey, a highly influential figure whose impact extends beyond television. This article will delve into the remarkable life and lasting legacy of Oprah. Her story serves as a reminder of the importance of perseverance, compassion, and firm determination.