The document discusses emerging trends in digital identity ownership, marketing automation, and advancements in big data analytics, highlighting the shift towards automated decision-making and the importance of authenticity in experiences. It notes that the increasing complexity of technology and connectivity, such as IoT and digital currencies, is reshaping banking and financial structures, while consumer protection agencies like the CFPB are adapting to these changes. Additionally, it emphasizes the need for new competitive tools like digital listening and prescriptive analytics in the evolving market landscape.

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Digital Identity Ownership
• First legal battles for digital identity ownership?
Virtual/modeled self and actual self – predicted
scored activities, curation, notifications and ‘real’
actions. If you curse or threaten in a video game or
chat or pseudonym email, or your avatar threatens
another avatar, did it really happen? If a bot you
created, knowingly or unknowingly, and that offends
someone (or violates their rights) who is responsible
for damages – Did it really happen?
CxC2015Predictions3
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2. © 2002. All rights reserved. ClientXClient Inc.
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Marketing Flux Out
‘Marketing Overload’ ends as we know it subsides as advanced
marketers and agencies catch-up and level playing field leveraging
marketing automation solutions and new capabilities embedded in
major technology platforms (IBM, Oracle, SAP secondarily MSFT,
Google, SFDC–
Boom – New Marketing quickly evolves and becomes source of new
differentiation and value with use of specialized, localized and
maybe personalized ‘currencies’ (privacy as a currency, time as a
currency, network as a currency, place-in-line/wait time as a
currency, urgency as a currency, popularity as a currency, trust as
a currency…) Marketing orchestrates and choreographs value
exchanges, packaging, delivery and service expectations per
ecosystem stakeholder
CxC2015Predictions4
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3. © 2002. All rights reserved. ClientXClient Inc.
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Big Data + Analytics + Cloud
Yields Synthetic Reality
• Managers accept big data, “capture
everything digitally” concept and realize
creating ‘copy all’ using cloud economics
not hard and 0 risk. Now add new, nimble
discovery analytics and simulation becomes
the must have APP - “Show me your sim”
replaces “show me the report”
CxC2015Predictions7
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Automated Decisioning Spawns
Abundance of
Unforeseen Innovation
• Outsourcing and BPM have made companies more
aware of their business viewed as a series of
processes, mechanical processes – automation,
robotics, etc. and information processes - The
evolution from Business Process Management (BPM)
for mechanical automation and straight through
processing to automated decision engines and
executive ‘recommendation’ engines supported by
the combination of big data, artificial intelligence, cloud
(synthetic corporate reality as companies ‘simulate’
entire ecosystems). Business cycles accelerate
abundance of unforeseen innovation opportunities
CxC2015Predictions2
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5. © 2002. All rights reserved. ClientXClient Inc.
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Authenticity is the New Black
and Becomes Scarce Resource
• Authenticity or the “Real” is the new black –
real experiences versus superimposed
experiences, real hard currency versus digital
and virtual currencies; simulated, synthetic
experiences versus near time history – or
what really happens versus what might have
happened – over stepping the bounds of
reality – morphing time by misunderstanding
predictions and logic – life and real
experiences are not always logical
CxC2015Predictions11
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6. © 2002. All rights reserved. ClientXClient Inc.
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Listening =
Competitive Weapon
• New Competitive Tool: Listening –
Recorded life – Sensing – Digital
sensing – simulated organic
messaging and experiences –
enhanced reality, virtual reality,
time-shifted-user-anchored reality
becomes a competitive factor
CxC2015Predictions5
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7. © 2002. All rights reserved. ClientXClient Inc.
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Self Configuring App Sets
Become the Norm
• Preconfigured and self configuring applications sets
(people like you … operate things this way) becomes
base line expectation. Apple’s experiment with pre-
loaded song failed, but interest-based and role based
Apps packages will become standard. IoT and inter-
App complexity (How do I set up my watch, digital
wallet, health plan, music, daily alarm, calorie counter,
office Outlook and horoscope connected to every
device in my life?) This is the beginning of
individuals and companies creating digital back
yards some with very high fences…yes, a guard dog
(app) will grow in value and use too.
CxC2015Predictions8
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8. © 2002. All rights reserved. ClientXClient Inc.
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CFPB Regulates
Virtual & Digital Decisioning
• Consumer Financial Protection Board (CFPB) or
new agency steps into virtual – forces companies to
delineate their decisioning rules and demonstrate
how preferential pricing, preferential treatment, offers,
do not discriminate, do not alienate, do not
intentionally confuse or trap consumers (plain English
type laws for digital and virtual)
CxC2015Predictions6
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9. © 2002. All rights reserved. ClientXClient Inc.
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Prescriptive Analytics Up,
Visualization Down
• The end of visualization and the beginning of
predictive and prescriptive decision enhancement
solutions
• Visualization too subjective based on audience perception,
anchoring, audience learning type – etc.
• Expense and inability to use information from visualizations
• “Democratization of analytics” turns out to be marketing
hype as combination of user expense and subjective/false
findings/conclusions reading of data cause increased
expense
• Counter to this will be fascination with visualizations of
internet of things – flashing lights depict formerly unseen
interactions and communications spawning a wave of
innovation and mis-steps
CxC2015Predictions13
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Currency Something
• Currency, hard assets, exchanges morph into something
completely different. Forces from country to country
movements, taxation efforts, lack of global accounting
standards, enormous contingent-value-recapture creates a
flawed standard definition for “real assets” as series of
contingencies in complex asset pools contradict traditional
valuation tools, assumptions, standards. Fast moving pools and
asset movement – in-transit payments and just in time payment
systems, move downstream to impact mid size business and
small country economies with immediate perceived devastating
impact/effects only to be quickly recovered (perhaps propped
up) by additional complex and highly conditional financial
instrument means.
CxC2015Predictions12
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11. © 2002. All rights reserved. ClientXClient Inc.
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Just In Time “Banks”
• Just in Time Banking Structures – Regulation,
globalization, urgency, security, privacy and flexibility
forces spawn new “banking.” These banking
structures explode into tens of thousands of just in
time or purpose built banks as contracts become
the bank. This evolution removes most banks from
transactions ands may create a whole series of new
products and innovations – especially – ‘insurance’
type products – formally known as hedges and variety
of “trusts’.
CxC2015Predictions9
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12. Internet of Things & Digitization Monetized
Michael R Hoffman revenue growth and innovation
consultant for technology aggressive companies from
start-ups to Fortune 100.
Hoffman’s Client x Client delivers leadership advisory for
analytics strategy and culture transformation, customer
strategy and customer analytics.
Cell
908.350.3012
CALL 908.350.3012 email MRH@customerworthy.com