1. Open banking has the potential to significantly change the small business banking space by enabling access to bank data and payment rails.
2. Customer-driven innovation should be at the heart of developing an open banking strategy, including understanding customer needs and pain points.
3. APIs will fuel innovation by allowing developers to build new applications and solutions on top of bank services and data.
Modern Services Marketing Session at TSIA/TSW 2017 San DiegoFred Isbell
Digital transformation and innovations including cloud, social media, and Big Data/analytics have redefined services marketing -- no one debates that. The modern services marketer must both combine art and science to meet changing needs of the services marketplace, including digital technologies, thought leadership and storytelling, and analytics for key insights. We addressed the skills of a successful modern services marketer, technology as a key enabler to transformation and innovation, and address key best practices in this session given at the TSIA Technology Services World (TSW) 2017 event in San Diego CA.
1) Asian banks are investing heavily in new technologies like big data, analytics, and mobile banking to improve business processes, management reporting, and deepen customer relationships.
2) A key strategy is to centralize data and make it accessible across applications to power data-driven decisions. Technology choices need to consider time to market, cost, and decentralization.
3) Asian markets embrace new technologies rapidly but differ significantly, requiring customized solutions. Local banks are strategic tech investors in areas like IBM's Watson, Google Apps, and mobile payments.
This document provides an overview of careers in fintech and the evolution of banking and digital banking. It discusses:
1) A brief history of banking originating from money lending on benches in marketplaces in Germany and evolving to include safe deposit of gold and money with goldsmiths.
2) Key developments in banking including the establishment of the first bank in Venice in 1157 and the role of merchant bankers in ancient India and China.
3) The growth of digital banking (fintech) in India which has the highest fintech adoption rate globally and is among the fastest growing fintech markets. Major verticals of Indian fintech include payments, lending, insurance tech, and wealth tech.
4)
Innovation is a very widely used term which can apply to any aspect of the business.
This report takes a high level and strategic view of the issue and does not focus on one
specific type of innovation, or one area of activity. Innovation in operations is just as
important as innovation in marketing. We look at the issue of strategic versus
incremental innovation, and the importance of innovation for both growth and efficiency.
We also assess the barriers to innovation, what actions banks are taking to increase
their level of innovation, and recommend areas where we feel they could improve.
Apohan is a start-up into consulting services for success-based strategic transactions to SMEs through disruptive, cost-effective, scalable, first-in-the-world, emerging-technology-enabled EquityTech platform.
1. Open banking has the potential to significantly change the small business banking space by enabling access to bank data and payment rails.
2. Customer-driven innovation should be at the heart of developing an open banking strategy, including understanding customer needs and pain points.
3. APIs will fuel innovation by allowing developers to build new applications and solutions on top of bank services and data.
Modern Services Marketing Session at TSIA/TSW 2017 San DiegoFred Isbell
Digital transformation and innovations including cloud, social media, and Big Data/analytics have redefined services marketing -- no one debates that. The modern services marketer must both combine art and science to meet changing needs of the services marketplace, including digital technologies, thought leadership and storytelling, and analytics for key insights. We addressed the skills of a successful modern services marketer, technology as a key enabler to transformation and innovation, and address key best practices in this session given at the TSIA Technology Services World (TSW) 2017 event in San Diego CA.
1) Asian banks are investing heavily in new technologies like big data, analytics, and mobile banking to improve business processes, management reporting, and deepen customer relationships.
2) A key strategy is to centralize data and make it accessible across applications to power data-driven decisions. Technology choices need to consider time to market, cost, and decentralization.
3) Asian markets embrace new technologies rapidly but differ significantly, requiring customized solutions. Local banks are strategic tech investors in areas like IBM's Watson, Google Apps, and mobile payments.
This document provides an overview of careers in fintech and the evolution of banking and digital banking. It discusses:
1) A brief history of banking originating from money lending on benches in marketplaces in Germany and evolving to include safe deposit of gold and money with goldsmiths.
2) Key developments in banking including the establishment of the first bank in Venice in 1157 and the role of merchant bankers in ancient India and China.
3) The growth of digital banking (fintech) in India which has the highest fintech adoption rate globally and is among the fastest growing fintech markets. Major verticals of Indian fintech include payments, lending, insurance tech, and wealth tech.
4)
Innovation is a very widely used term which can apply to any aspect of the business.
This report takes a high level and strategic view of the issue and does not focus on one
specific type of innovation, or one area of activity. Innovation in operations is just as
important as innovation in marketing. We look at the issue of strategic versus
incremental innovation, and the importance of innovation for both growth and efficiency.
We also assess the barriers to innovation, what actions banks are taking to increase
their level of innovation, and recommend areas where we feel they could improve.
Apohan is a start-up into consulting services for success-based strategic transactions to SMEs through disruptive, cost-effective, scalable, first-in-the-world, emerging-technology-enabled EquityTech platform.
The Four Essentials Of Digital Cash Forecastingemagia
Learn about how to forecast cash flow more accurately. Our focus will be on forecasting cash inflow from Accounts Receivable (AR) which is the largest operational source of cash for most companies.
Business intelligence and data analytics involve analyzing data to extract useful information for decision making. BI tools provide trend analysis from multiple data sources, while BI technologies provide historical, current, and predictive views. BI architecture organizes data, information management, and technology components, while frameworks provide standards. Challenges include continuous availability, data security, cost, increasing users, new areas like operational BI, and performance/scalability. Leading vendors provide solutions like Google, Microsoft, Oracle, SAS, SAP, IBM, EMC, HP, and Teradata.
An introduction to BRIDGEi2i - Analytics Solutions company focused on solving complex based problems based on data mining and advanced analytics on big data. Visit http://www.bridgei2i.com
Bob Tramontano, Director de Operaciones de Negocios de la Industria Financiera de NCR Corporation.
13° Congreso Internacional de Tecnología para el Negocio Financiero
The document provides a summary of the "Customer Insight and Analytics Exchange" event that took place from January 27-28, 2015 in London. It discusses the key themes, challenges, and trends that were addressed during presentations and discussions between senior customer insight and analytics executives from various industries. Some of the main topics covered included how to turn big data into smart data to optimize business performance, the importance of defining a data strategy, and measuring the impact of executing on data-driven strategies. The event brought together 60 C-level and director-level attendees from companies like Google, Santander, and eBay.
This document discusses how financial services companies are using data analytics. It defines data analytics as using new applications and processes derived from independent service providers and banks/insurers to automate insurance, trading, and risk management. Some key points made include:
- Financial services companies are using data science techniques like customer profiling and segmentation to increase cross-selling success rates and improve fraud detection.
- Case studies show how banks like Capital One and Citi are using customer transaction data to develop new products and identify business patterns.
- Data analytics can help financial institutions optimize processes, improve customer service, and inform product and pricing decisions.
- Risks of data analytics include loss of customer focus, diminished margins from new
Karachi.AI Meetup # 2: Artificial Intelligence in Finance/Accounting and Disr...Mesum Raza Hemani
The document outlines an agenda for an event on enabling everyone to apply artificial intelligence. The event will be held on March 31, 2018 in Karachi. The agenda includes speakers on various topics related to applying AI in finance, accounting, ecommerce, and more. There will be breaks for networking and meals. The goal of the event is to educate people on applying AI and enable more collaboration in the field.
This document describes a webinar that discussed next generation business and retail analytics technologies. The webinar covered challenges with current business intelligence tools, new analytics vendors and tools, trends in retail analytics, and case studies of companies using new analytics tools to improve performance.
Fintech workshop Part II - Law Society of Hong Kong - XccelerateHenrique Centieiro
What is API and Open Banking? What is Banking as a service?
Many other subjects related to fintech including PSD2, AISP, XS2A, GDPR and fintech regulations.
Author: Henrique Centieiro
Nicolas has a vision of opening a French restaurant using his grandmother's recipes. He is discussing a loan with his banker. The banker not only offers the loan but also provides valuable business insights using data analytics. The banker examines demographic and spending data to recommend the best locations and price points for Nicolas's restaurant. This illustrates how banks can leverage big data to generate new revenue streams by providing business insights to customers.
Why should large businesses get all the AI?
Work faster and smarter by leveraging the built-in AI
of Microsoft Dynamics 365 Business Central.
To learn more about Business Central, visit https://adynamics.com.my/resources/infographics/business-central-ai-infographic-infographic/
This is an introduction to competitive intelligence, which includes definition, 5 flavors of competitive intelligence, some analytic tools like SWOT, STEEP, BCG, The Radar Screen, and Win Loss Analysis. Also includes some competitive intelligence books for those beginning in the field.
Subscribe to our newsletter and get our list of over 200 competitive intelligence and marketing books with links to Amazon: http://bit.ly/NHOCqM
Including our latest book, "Win/Loss Analysis: How to Capture and Keep the Business You Want." http://amzn.to/297Mrxl
Smart and proactive decision making is not only an advantage but a key to success of any business. This requires quantitative insights into various business operations and influences. The recent advancements in technology and a significant reduction in data storage costs have given rise to vast and versatile sources of data that provide a wealth of such insights. Harnessing them to accelerate and optimize your business is cardinal for keeping up with the emerging trends.
This document summarizes a discussion between financial planners about trends in wealth management. It discusses how robo-advisors have influenced traditional firms to adopt hybrid human-digital models. Technology now plays a key role in enabling goals-based planning, portfolio construction, and helping advisors optimize processes like client reporting. Financial planners must adapt to serving more sophisticated client needs and incorporating goals-based wealth management approaches.
The predictive and advanced analytics market has seen several premium financing and M&A transactions recently, such as Apple acquiring Lattice Data for $200M and Cisco buying MindMeld for $125M, as well as DataRobot’s $54M and Looker’s $81.5M financings.
As part of its Smart Data initiative, Catapult Advisors today released its proprietary research report on transactions and trends in the predictive and advanced analytics market.
To learn more, please contact Anton Papp at apapp@catapultadvisors.com.
This document discusses the potential for "Robo-Advisors" or software-assisted wealth management advisors to address challenges in the industry. It notes rising customer expectations, threats of substitution from online advisors, growing costs and regulatory pressures, and the need for customizable service models. The rationale presented is that Robo-Advisors could help standardize solutions while still offering customization. They could assist human advisors in comprehensively handling client diversity and needs to structure optimal financial solutions. If effectively positioned and implemented, Robo-Advisors could enhance existing wealth management products and revolutionize the advisory business, particularly for underserved emerging markets.
DBS Bank was recognized by Harvard Business School as one of the top ten digital transformations of the last decade and it also won the top three most prestigious world bank awards.
This presentation is a summary from my book World’s Best Bank - A Strategic Guide to Digital Transformation that tells the story of how DBS became the world’s best bank by leveraging digitalization.
The Fast Fish Forum is an opportunity for challengers of convention and drivers of progress to come together for the benefit of South African business and society. The forum consists of purposeful, committed and open-minded people across industries, organisations and roles who collaborate and learn together; creating a critical mass that drives innovative change in our country.
At the second event, held at the BSG offices on 16 November 2016, we discussed two highly topical subjects:
1. Enhancing customer value using big data and actionable insights.
2. Driving innovation through customer insights.
To find out more and join the conversation follow us @FastFishForum and http://bit.ly/fastfishforum.
This document discusses wealth management and what clients want. It notes that traditional wealth management is no longer profitable and does not meet evolving client needs. Clients now want a unified view of their finances, sophisticated advisors, and transparency. They prefer a needs-based approach rather than focusing on products. Technology can help bridge gaps by providing a holistic view of clients and their needs over time.
The Four Essentials Of Digital Cash Forecastingemagia
Learn about how to forecast cash flow more accurately. Our focus will be on forecasting cash inflow from Accounts Receivable (AR) which is the largest operational source of cash for most companies.
Business intelligence and data analytics involve analyzing data to extract useful information for decision making. BI tools provide trend analysis from multiple data sources, while BI technologies provide historical, current, and predictive views. BI architecture organizes data, information management, and technology components, while frameworks provide standards. Challenges include continuous availability, data security, cost, increasing users, new areas like operational BI, and performance/scalability. Leading vendors provide solutions like Google, Microsoft, Oracle, SAS, SAP, IBM, EMC, HP, and Teradata.
An introduction to BRIDGEi2i - Analytics Solutions company focused on solving complex based problems based on data mining and advanced analytics on big data. Visit http://www.bridgei2i.com
Bob Tramontano, Director de Operaciones de Negocios de la Industria Financiera de NCR Corporation.
13° Congreso Internacional de Tecnología para el Negocio Financiero
The document provides a summary of the "Customer Insight and Analytics Exchange" event that took place from January 27-28, 2015 in London. It discusses the key themes, challenges, and trends that were addressed during presentations and discussions between senior customer insight and analytics executives from various industries. Some of the main topics covered included how to turn big data into smart data to optimize business performance, the importance of defining a data strategy, and measuring the impact of executing on data-driven strategies. The event brought together 60 C-level and director-level attendees from companies like Google, Santander, and eBay.
This document discusses how financial services companies are using data analytics. It defines data analytics as using new applications and processes derived from independent service providers and banks/insurers to automate insurance, trading, and risk management. Some key points made include:
- Financial services companies are using data science techniques like customer profiling and segmentation to increase cross-selling success rates and improve fraud detection.
- Case studies show how banks like Capital One and Citi are using customer transaction data to develop new products and identify business patterns.
- Data analytics can help financial institutions optimize processes, improve customer service, and inform product and pricing decisions.
- Risks of data analytics include loss of customer focus, diminished margins from new
Karachi.AI Meetup # 2: Artificial Intelligence in Finance/Accounting and Disr...Mesum Raza Hemani
The document outlines an agenda for an event on enabling everyone to apply artificial intelligence. The event will be held on March 31, 2018 in Karachi. The agenda includes speakers on various topics related to applying AI in finance, accounting, ecommerce, and more. There will be breaks for networking and meals. The goal of the event is to educate people on applying AI and enable more collaboration in the field.
This document describes a webinar that discussed next generation business and retail analytics technologies. The webinar covered challenges with current business intelligence tools, new analytics vendors and tools, trends in retail analytics, and case studies of companies using new analytics tools to improve performance.
Fintech workshop Part II - Law Society of Hong Kong - XccelerateHenrique Centieiro
What is API and Open Banking? What is Banking as a service?
Many other subjects related to fintech including PSD2, AISP, XS2A, GDPR and fintech regulations.
Author: Henrique Centieiro
Nicolas has a vision of opening a French restaurant using his grandmother's recipes. He is discussing a loan with his banker. The banker not only offers the loan but also provides valuable business insights using data analytics. The banker examines demographic and spending data to recommend the best locations and price points for Nicolas's restaurant. This illustrates how banks can leverage big data to generate new revenue streams by providing business insights to customers.
Why should large businesses get all the AI?
Work faster and smarter by leveraging the built-in AI
of Microsoft Dynamics 365 Business Central.
To learn more about Business Central, visit https://adynamics.com.my/resources/infographics/business-central-ai-infographic-infographic/
This is an introduction to competitive intelligence, which includes definition, 5 flavors of competitive intelligence, some analytic tools like SWOT, STEEP, BCG, The Radar Screen, and Win Loss Analysis. Also includes some competitive intelligence books for those beginning in the field.
Subscribe to our newsletter and get our list of over 200 competitive intelligence and marketing books with links to Amazon: http://bit.ly/NHOCqM
Including our latest book, "Win/Loss Analysis: How to Capture and Keep the Business You Want." http://amzn.to/297Mrxl
Smart and proactive decision making is not only an advantage but a key to success of any business. This requires quantitative insights into various business operations and influences. The recent advancements in technology and a significant reduction in data storage costs have given rise to vast and versatile sources of data that provide a wealth of such insights. Harnessing them to accelerate and optimize your business is cardinal for keeping up with the emerging trends.
This document summarizes a discussion between financial planners about trends in wealth management. It discusses how robo-advisors have influenced traditional firms to adopt hybrid human-digital models. Technology now plays a key role in enabling goals-based planning, portfolio construction, and helping advisors optimize processes like client reporting. Financial planners must adapt to serving more sophisticated client needs and incorporating goals-based wealth management approaches.
The predictive and advanced analytics market has seen several premium financing and M&A transactions recently, such as Apple acquiring Lattice Data for $200M and Cisco buying MindMeld for $125M, as well as DataRobot’s $54M and Looker’s $81.5M financings.
As part of its Smart Data initiative, Catapult Advisors today released its proprietary research report on transactions and trends in the predictive and advanced analytics market.
To learn more, please contact Anton Papp at apapp@catapultadvisors.com.
This document discusses the potential for "Robo-Advisors" or software-assisted wealth management advisors to address challenges in the industry. It notes rising customer expectations, threats of substitution from online advisors, growing costs and regulatory pressures, and the need for customizable service models. The rationale presented is that Robo-Advisors could help standardize solutions while still offering customization. They could assist human advisors in comprehensively handling client diversity and needs to structure optimal financial solutions. If effectively positioned and implemented, Robo-Advisors could enhance existing wealth management products and revolutionize the advisory business, particularly for underserved emerging markets.
DBS Bank was recognized by Harvard Business School as one of the top ten digital transformations of the last decade and it also won the top three most prestigious world bank awards.
This presentation is a summary from my book World’s Best Bank - A Strategic Guide to Digital Transformation that tells the story of how DBS became the world’s best bank by leveraging digitalization.
The Fast Fish Forum is an opportunity for challengers of convention and drivers of progress to come together for the benefit of South African business and society. The forum consists of purposeful, committed and open-minded people across industries, organisations and roles who collaborate and learn together; creating a critical mass that drives innovative change in our country.
At the second event, held at the BSG offices on 16 November 2016, we discussed two highly topical subjects:
1. Enhancing customer value using big data and actionable insights.
2. Driving innovation through customer insights.
To find out more and join the conversation follow us @FastFishForum and http://bit.ly/fastfishforum.
This document discusses wealth management and what clients want. It notes that traditional wealth management is no longer profitable and does not meet evolving client needs. Clients now want a unified view of their finances, sophisticated advisors, and transparency. They prefer a needs-based approach rather than focusing on products. Technology can help bridge gaps by providing a holistic view of clients and their needs over time.
1) The document reports on a 2012 survey of 546 government employees from 53 countries regarding their perceptions of bureaucracy in their organizations.
2) Key findings include that only 23% of respondents spent over 70% of their day focused on tasks, and the majority felt their ability to improve performance was limited by the organizational structure.
3) A statistical model found employees were much more likely to focus on tasks if administrative tasks and outside stimulation took up less than 10% of their day, and if they were satisfied with their work schedule. This supports the theory that unnecessary controls reduce performance.
The 5 most significant challenges facing business to business marketers today
How marketing and advertising have changed in the past 12-24 months
How today’s leading technology companies are re-creating themselves for unprecedented results
How today’s most successful marketers are leading the way, providing more value with better results than ever before
The document discusses how water utilities can reduce greenhouse gas emissions and costs through optimizing pumping operations. It notes that water utilities are large energy users and pumping accounts for most of their energy consumption. The Global Warming Solutions Act of 2006 (AB 32) sets emissions reduction targets for California. Adaptive optimization software can dynamically schedule pumps for maximum efficiency, reducing energy use by 6-9% on average across various utility case studies. This leads to significant cost savings and reductions in greenhouse gas emissions to support California's climate change goals.
The document discusses the need for universities to reimagine campus spaces and learning environments for the 21st century. It notes that current university models were designed for 19th century needs and that today's students require more flexible, collaborative spaces that incorporate new technologies and support lifelong learning. The Saltire Centre at Glasgow Caledonian University is presented as an example of a new type of learning space for the future with its flexible design, technology integration, and focus on student needs.
Jobville is a Benelux recruitment company specialized in finding marketing positions. They aim to understand clients' needs and provide unique, flexible solutions to find the right candidate the first time. By developing long-term partnerships, Jobville helps companies grow by finding the right people.
Cyberbullying involves the use of technology like email, instant messaging, defamatory websites, and online polls to willfully and repeatedly harm others. Unlike traditional bullying, cyberbullying can follow victims even at home since it occurs online. Rules for internet safety include not responding to harassment, keeping records, blocking bullies, and informing authorities to remove defamatory websites. A teen was charged for using instant messaging to harass six girls and their families and now faces restrictions on computer use.
This research proposal examines employability and mental health needs for veterans transitioning to civilian life. It discusses two main areas of focus: 1) using positive psychology to facilitate civilian adjustment through reinforcement of resiliency and purpose, and 2) improving institutional response to PTSD diagnoses and treatment. Key areas explored include transition challenges, reintegration support strategies, psychological risk factors and outcomes, and gaps in continuity of care between the Department of Defense and Department of Veterans Affairs systems. The goal is to develop a comprehensive, evidence-based approach to psychological adjustment and employment support across the veteran lifecycle.
This document provides information about running for a student union election, including the roles and responsibilities of elected officers, the election process, campaigning tips, and rules. It discusses representing students, organizing activities and services. It explains that elections allow students to be represented and choose leaders through a transferable voting system. Campaigning advice includes explaining your policies, speaking to different student groups, using posters and flyers, and having a clear message and campaign team. Fairness and following rules are emphasized.
This research proposal aims to study how strengthening patient-agency, or a patient's ability to manage their own healthcare, can improve outcomes for veterans. The proposal outlines three areas of focus: 1) Developing a standardized method to measure patient-agency in VA settings, 2) Explaining how stressors impact changes in patient-agency over time, and 3) Evaluating how VA programs affect veterans' physical, psychological and economic restoration by changing patient-agency. The goal is to help VA better support veterans' transitions after service by empowering them to direct their own healthcare and treatment.
MATCH is a nonprofit organization that helps transitioning service members, especially those with disabilities, find civilian careers through partnerships with businesses, academic institutions, and community coaches. It provides a six-step solution to certify veterans' qualifications, coach them, concentrate their training on high-value career opportunities, connect them to hiring managers, and confirm the outcomes of the career connections. The goal is to enable rapid and sustained career readiness for veterans through this network.
Peter Lik, a master photographer, has released new images from his recent trips. The images showcase the beauty and drama of nature through his creative vision and passion for photography. The collection includes photos from the east coast, salt flats in California, and Acadia National Park that will captivate and inspire viewers. The document then provides descriptions of 6 new images by Peter Lik, including locations, edition sizes, and the stories behind each photograph.
The document proposes a hybrid approach to scalably computing pairwise comparisons of large datasets that follows a Zipf-Mandelbrot distribution. It involves pre-computing and storing the most frequent "head" comparisons while computing less frequent "body" and trivial "tail" comparisons on-demand. This balances storage and computation needs while allowing dimensionality reduction as the dataset scales. Preliminary experiments tested the approach on loan data using HBase and HDFS. Further performance testing and integration with Hadoop is suggested to prove the approach.
Big data and analytics ibm digital game plan short v2 nonconfFriedel Jonker
This document provides an agenda and overview for a presentation on activating the individual enterprise through customer centricity and big data and analytics strategies. The presentation discusses developing a 360 degree view of customers, moving from traditional analytics 1.0 to more advanced analytics 3.0, and focusing on cognitive solutions from IBM Watson such as Watson Explorer. It emphasizes building a customer centric model and activating the individual enterprise to better understand and serve customers.
Understanding What’s Possible: Getting Business Value from Big Data QuicklyInside Analysis
The Briefing Room with David Loshin and OpenText
Live Webcast April 14, 2015
https://bloorgroup.webex.com/bloorgroup/onstage/g.php?MTID=e079dc562543a394c5c5d0588e7cd9152
To be successful and practical in delivering meaningful insights, companies must embrace the three pillars of enterprise analytics: scalability, open standards, and speed to value. In doing so, organizations enable a range of options that can satisfy both data scientists and self-service business users alike. But getting there requires a thoughtful approach -- and some enterprise knowledge of statistical modeling. How can your company stay ahead of the game?
Register for this episode of The Briefing Room to learn from veteran Analyst David Loshin, as he explains why the fundamentals will always apply to the high-stakes game of analytics. He’ll be briefed by Allen Bonde of Actuate, now part of OpenText, who will showcase his company’s intelligence platform, which was designed from the ground up to embrace open standards and was purpose-built to serve large enterprises with a wide range of data needs. He'll demonstrate recent success stories using a number of Big Data sources, including device and machine data.
Visit InsideAnalysis.com for more information.
Beyond the Dashboard:Exploratory Analytics discusses how exploratory analytics allows users to go beyond traditional dashboards and reports to test hypotheses, conduct "what if" scenarios, and build predictive models. Exploratory analytics uses visualization, modeling, and interactive capabilities to analyze data in a more flexible way compared to static reports. The presentation highlights how the Quantrix platform supports exploratory analytics through capabilities like pivot and filter charts, enhanced visualization, modeling, and multidimensional analysis for forecasting, planning, and risk analysis. Real-world examples are also provided.
Building a Business Case for Innovation: Project Considerations for Cloud, Mo...Fred Isbell
Breakout Session from the 2015 TSIA Technology Service World event in Las Vegas attended by 1,500+ service & support professionals. Provided insight into:
1.) The next wave of innovative technology and business solutions
2.) Key insights from industry influencers and experts to assist in building a business case
3.) Case studies from SAP projects & customers showcasing the results, business impact, and best practices to managing next-generation projects and solutions
Bizruptor is a management consulting firm that provides consulting, technology, and assistance services. It has offices in Germany and the US (Palo Alto) and aims to bring a Silicon Valley mindset to disrupt value chains. The document outlines Bizruptor's marketing plan, which includes focusing efforts on its sweet spot of electric vehicle startups with seed funding and over 50 employees. The plan is to create an agile brand known for orchestrating disruptive innovation, then use low-cost communication channels and metrics to assess results. Traditional marketing does not work for startups, so the focus is on networking events and workshops to acquire customers.
This document discusses how visual analytics can help drive digital transformation in the retail banking industry. It covers key trends like demographic changes, evolving customer behaviors, and increasing regulations that are challenging traditional banks. It advocates using visual analytics to improve customer centricity, operational efficiencies, risk management, and other initiatives. Case studies are presented showing how banks like ANZ and Swedbank have used visual analytics platforms like Qlik to gain insights from data and remain competitive against technology companies.
This is a presentation in a meetup called "Business of Data Science". Data science is being leveraged extensively in the field of Banking and Financial Services and this presentation will give a brief and fundamental highlight to the evergreen field.
How analytics will transform banking in luxembourgTommy Lehnert
This document discusses how analytics will transform banking in Luxembourg. It notes that data is now digital and ubiquitous, creating opportunities for insights through big data analytics. The analytics life cycle is described, from problem identification to model deployment and evaluation. Different levels of analytics usage and culture in organizations are outlined. The document advocates for a hybrid approach to analytics using automated rules, anomaly detection, predictive modeling and other techniques. A case study describes how a bank used analytics for improved risk management, customer insights, and executive decision making. The conclusion is that Luxembourg can become a leader in analytics adoption to transform outdated business models.
Robo advisory, cryptocurrency, and chatbots are transforming the financial services industry through automation, artificial intelligence, and digital innovation. Incumbent financial firms recognize the need to partner with fintech companies and adopt these new technologies to remain competitive. Robo advisors provide automated, low-cost investment management services with minimal human interaction. Cryptocurrency has emerged as a new digital asset class. Chatbots are being used to deliver personalized customer service and support through conversational interfaces. These trends will continue to disrupt traditional financial models and require adaptation from existing players.
Team undiscovered opportunuity analysis report presentation- venture lab 2012oceanfree
The document discusses the growing challenge of managing large amounts of data and the opportunity for data visualization. It introduces "Undiscovered", a company that aims to help other companies visualize complex data through infographics, storytelling and a custom methodology. Undiscovered conducted market research that confirmed opportunities in assisting organizations with big data management and visualization. The goal is to help customers uncover valuable insights from their data and deliver visualizations they may not have known they had.
[AI Webinar Series P1] - How Advanced Text Analytics Can Increase the Operati...JK Tech
Digitization is considered as the next step-change that will have a bigger impact on businesses than even the internet. To win in the digital journey, companies must act now, or be left behind wondering what happened!
In this webinar series, JKT Smart Analytics demonstrates how they empower their customers to create maximum business value out of this eminent Digital data explosion through digital business empowerment by leveraging the digitization to increase their top-line revenue – customer experience, optimize the bottom-line costs – operational efficiency, enhancing the safety factor and reinventing the business process in line with the changing world.
This webinar is focused on how our AI-based text analytics solutions – First, JKT Social Media Radar; a SaaS-based AI NLP Platform, helping organizations to gain insights on market and customer perceptions on their brands, products & services. Secondly, Sales Promotion Recommendation Engine helps customers to enhance their top-line growth and streamline the bottom-line costs.
KEY TAKEAWAYS:
1) How should a business plan their journey through the Digital data revolution?
2) How can a company make use of digital data to create effective data strategies for the increased outcome(s)?
3) How IT practitioners can catalyst the digital data mining journey and attract business adoption?
4) JKT Social Media Radar solution – What, Why, Supporting Business applications, and more.
5) How can companies reduce operational costs by automating human effort-intensive tasks using cognitive Analytics?
After 10 years in Analytics practice we came to conclusion that there are 6 absolutely necessary things that make Analytics work. Companies what master all 6 things perform multiple times better than all competitors. Learn what makes analytics work.
Vortrag von Raj Venkatesan und Kim Whitler an der HWZ-Darden Konferenz vom 8. Juni 2017 an der HWZ Hochschule für Wirtschaft Zürich.
https://fh-hwz.ch/conference
Rohit Chatter is a principal architect at inMobi who has 17 years of experience working for companies like Yahoo!, Tivo, and Alcatel Lucent. He specializes in designing big data solutions using technologies like Hadoop, Hive, and HBase. In this presentation, he discusses the opportunities and challenges of big data, including issues around data growth, access, and timely insights. He then describes the features a big data BI product should have, such as custom reports, dashboards, and the ability to ingest, define relationships, and visualize large amounts of data quickly and easily. Finally, he provides examples of how big data BI can help industries like media, e-commerce, and telecommunications.
This newsletter provides an overview of analytics and highlights some ways organizations are using analytics. It discusses how 140 million customer interactions can be analyzed to understand customers and how analytics is beginning to be used beyond basic reporting. Examples are given of analytics being used for customer segmentation, risk mitigation, and reducing transportation costs. Predictive analytics and big data are also discussed.
This document summarizes a presentation on sales and marketing analytics given by Keyrus consultants. It discusses Keyrus' stepwise approach to analytics projects, from understanding business issues to modeling data to deploying insights.
The presentation uses a case study of an online retailer called Solidstore.com to illustrate challenges in understanding customer behavior and sales trends. Keyrus' approach helped Solidstore analyze sales by country and customer value segments, identify reasons for decreasing sales and customer loss, and realize more potential from its online channel.
The document outlines Keyrus' analytics methodology, including formulating business cases, assessing available data, modeling customer behavior, gaining additional insights, and enriching data sources to continuously monitor metrics and insights.
The demand for BI continues to grow, and while there's no question that analytics brings value, there is often uncertainty about how BI initiatives will deliver bottom-line benefits. Your business case for BI should prove ROI, but this is not always a straightforward process.
Succeeding with Analytics: Mastering People, Process, and Technologyibi
Wayne Eckerson and Dr. Rado Kotorov take a journey through the behind-the-scenes characteristics of a great analytics program in this Information Builders Innovation Session presentation.
Similar to A tech firm with a balance sheet - Analytics in Financial Services (20)
ViewShift: Hassle-free Dynamic Policy Enforcement for Every Data LakeWalaa Eldin Moustafa
Dynamic policy enforcement is becoming an increasingly important topic in today’s world where data privacy and compliance is a top priority for companies, individuals, and regulators alike. In these slides, we discuss how LinkedIn implements a powerful dynamic policy enforcement engine, called ViewShift, and integrates it within its data lake. We show the query engine architecture and how catalog implementations can automatically route table resolutions to compliance-enforcing SQL views. Such views have a set of very interesting properties: (1) They are auto-generated from declarative data annotations. (2) They respect user-level consent and preferences (3) They are context-aware, encoding a different set of transformations for different use cases (4) They are portable; while the SQL logic is only implemented in one SQL dialect, it is accessible in all engines.
#SQL #Views #Privacy #Compliance #DataLake
The Building Blocks of QuestDB, a Time Series Databasejavier ramirez
Talk Delivered at Valencia Codes Meetup 2024-06.
Traditionally, databases have treated timestamps just as another data type. However, when performing real-time analytics, timestamps should be first class citizens and we need rich time semantics to get the most out of our data. We also need to deal with ever growing datasets while keeping performant, which is as fun as it sounds.
It is no wonder time-series databases are now more popular than ever before. Join me in this session to learn about the internal architecture and building blocks of QuestDB, an open source time-series database designed for speed. We will also review a history of some of the changes we have gone over the past two years to deal with late and unordered data, non-blocking writes, read-replicas, or faster batch ingestion.
Analysis insight about a Flyball dog competition team's performanceroli9797
Insight of my analysis about a Flyball dog competition team's last year performance. Find more: https://github.com/rolandnagy-ds/flyball_race_analysis/tree/main
The Ipsos - AI - Monitor 2024 Report.pdfSocial Samosa
According to Ipsos AI Monitor's 2024 report, 65% Indians said that products and services using AI have profoundly changed their daily life in the past 3-5 years.
Learn SQL from basic queries to Advance queriesmanishkhaire30
Dive into the world of data analysis with our comprehensive guide on mastering SQL! This presentation offers a practical approach to learning SQL, focusing on real-world applications and hands-on practice. Whether you're a beginner or looking to sharpen your skills, this guide provides the tools you need to extract, analyze, and interpret data effectively.
Key Highlights:
Foundations of SQL: Understand the basics of SQL, including data retrieval, filtering, and aggregation.
Advanced Queries: Learn to craft complex queries to uncover deep insights from your data.
Data Trends and Patterns: Discover how to identify and interpret trends and patterns in your datasets.
Practical Examples: Follow step-by-step examples to apply SQL techniques in real-world scenarios.
Actionable Insights: Gain the skills to derive actionable insights that drive informed decision-making.
Join us on this journey to enhance your data analysis capabilities and unlock the full potential of SQL. Perfect for data enthusiasts, analysts, and anyone eager to harness the power of data!
#DataAnalysis #SQL #LearningSQL #DataInsights #DataScience #Analytics
State of Artificial intelligence Report 2023kuntobimo2016
Artificial intelligence (AI) is a multidisciplinary field of science and engineering whose goal is to create intelligent machines.
We believe that AI will be a force multiplier on technological progress in our increasingly digital, data-driven world. This is because everything around us today, ranging from culture to consumer products, is a product of intelligence.
The State of AI Report is now in its sixth year. Consider this report as a compilation of the most interesting things we’ve seen with a goal of triggering an informed conversation about the state of AI and its implication for the future.
We consider the following key dimensions in our report:
Research: Technology breakthroughs and their capabilities.
Industry: Areas of commercial application for AI and its business impact.
Politics: Regulation of AI, its economic implications and the evolving geopolitics of AI.
Safety: Identifying and mitigating catastrophic risks that highly-capable future AI systems could pose to us.
Predictions: What we believe will happen in the next 12 months and a 2022 performance review to keep us honest.
2. 2 | Information driven banking | December 2015
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WE’RE HERE TO TALK
ABOUT OIL RESERVES…
3.1m oil barrelsc80bnrecoverable barrels
We’ve extractedjust130oil tankers
Outof26,000oil tankerstill it dries
3. 3 | Information driven banking | December 2015
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…AND INFORMATION
Fora typical Fortune 1000 company, just a 10% increase indata accessibility
will result in morethan $65 million additional netincome.
4. 4 | Information driven banking | December 2015
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FINANCIAL SERVICES ARE NOT AS
ATTRACTIVE ANYMORE
-
400
800
1,200
1,600
2,000
1991 1994 1997 2000 2003 2006 2009 2012
MARKET CAP GROWTH TRENDLINE OF SELECT
INFORMATION DRIVEN COMPANIES AND GLOBAL
FINANCIAL SERVICES FIRMS (INDEXED TO 1991)
Information
driven
companies
Global
financial
services
Moore’s law
Kryder’s law
Source:“A moneyandinformationbusiness–State offinancialservices(2013)”, OliverWyman
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WHAT YOU MIGHT THINK IS
HAPPENING IN BANKING
$235bn in fines
over 7 years
From just 20 biggest bands
Source:http://graphics.thomsonreuters.com/15/bankfines/index.html?utm_source=twitter
AnnualGDP (2014)
c227bnUSD
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WHAT IS REALLY GOING ON IN
BANKING
Source:http://www.economist.com/news/finance-and-economics/21674778-europes-dithering-banks-are-losing-ground-their-decisive-american-rivals-banking
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SHIFTING ECONOMIC
CENTER OF GRAVITY
Source:TheEconomist,adaptedMGIresearch
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WHAT CHANGES IN
FINANCIAL SERVICES
Automation Simplification
Customer 3.0
Removing
legacy
structures
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DISRUPTING FINTECH FIRMS
Source:http://insights.venturescanner.com/2015/09/04/the-state-of-financial-technology-in-six-visuals/
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WE SHOULD EXPECT OUR
VERY OWN ‘UBER’ MOMENT
11. 11 | Information driven banking | December 2015
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A DIFFERENT VIEW OF THE
BANK
Insurance
Bank
Consumer
Capital markets
Large enterprise
Source:OliverWyman,“Thebankas aninformationbusiness”,(adapted)
Investors
Creditscore
Assets
Investments
Bio/Riskinfo
Retirementplan
Realtime
telematics
Inventory
Balance sheet
Real time M2M
Risk factors
Cash, electronic, debit,
credit, salary
Letter of credit, invoices,
cash, check
Business
Trade/Supply chain
Application data
Balance sheet
Capital raising, FX
Real time M2M
Risk factors
12. 12 | Information driven banking | December 2015
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INFORMATION PRODUCT
AREAS
Publicly
available
information
Insights for
Small
Businesses
Finance &
Treasury
Collection Optimisation
Presents useful facts
and figures about
people and small
businesses in local
communities
SME focused
aggregated data and
actionable insights
service
Provide rich,
integrated financial
insights into all the
accounts held with a
bank
Help clients collect
better from their
customers by being
able to accurately
predict future behavior
Market &
Customer
Insights
Powerful insights on
segments,
motivations and
transactional
behaviors
13. 13 | Information driven banking | December 2015
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VERIFYING YOURSELF
1min 30s
Source:https://gds.blog.gov.uk/category/id-assurance/
“Within search results, information tied to verified
online profiles will be ranked higher than content
without such verification, which will result in most
users naturally clicking on the top (verified) results.
The true cost of remaining anonymous, then, might be
irrelevance.” Eric Schmidt
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YOUR TURN: BREAK OUT
FOR 15 MINS
Background
Your task is to develop your own Analytics Centre of Excellence
in a major retail bank.
Questions
Which factors would you consider to become best-in-class?
15. 15 | Information driven banking | December 2015
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A SIMPLE FRAMEWORK
Analytics centre of
excellence
Your clients
Functions
Decision Layers
Capability areas
Current
Future
Toolkit
Software tools
Frameworks
People
Skills
Behaviors
Connections
Security &
Compliance
Scaling up
Background
Yourtaskis todevelop yourownAnalyticsCentre of
Excellencein a majorretailbank.
Questions
Let’sthinkthrougheach oneoftheseareas
16. 16 | Information driven banking | December 2015
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AN ANALYTICS CENTRE OF
EXCELLENCE STRUCTURE
Customer Value
Management
Pricing & Optimisation Digital
• Target Operating Model
• Proposition Development
• Strategy Analytics
• Marketing Analytics
• Pricing modeling
• Price testing
• New product launch
• Product analytics
• Customer journey analysis
• Digital transformation
• Customer experience
Advanced Data Science
• Machine learning
• Text analytics
• Personalisation
Data management
Mortgages
Lending
Transactions Corporate &
SME
Digital
Savings
Advocacy
Premier &
International
Wealth
NetworkInformation
ACE Capability areas
Potential bank segments and product areas
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THE “BILINGUAL”
• Brief profile ofa “bilingual”VP/AVP
• Has high business acumen andcan have atop-down and
bottom up view ofthe problem
• Acts as the project manager andis delivery focused
• Builds trusted relationships quickly across multiple
functions and levels
• Has high emotional intelligence andpeople skills
• Canclearly communicate complex subjects
• Has consulting approach to problems
Indicative skills andexperiences
• At least one area ofexpertise (CVM,Pricing, Information products)
• SQL,SAS,Excel, P&L knowledge
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THE “RENAISSANCE”
PERSON
• The “data scientist” evolution of the “bilingual”
• Has extraordinary curiosity and enjoys crunching
(unstructured) data
• Is statistically savvy, usually a PhD in Statistics,
Computer Science, Behavioural Sciences or
Physics
• Can apply different concepts and techniques to
other fields
• Understands the fundamentals of machine
learning, data infrastructure
• Has entrepreneurial attitude towards trivial
problems
Indicative skills andexperiences
• Usually worked in major tech orstart-up previously as aprogrammer, statistician etc
• Scala, Python,Hadoop, Java
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THE CAPABILITY EXPERT
• Typically a fantastic modeller or subject matter expert in a
portfolioorfunctional area
• Has in-depth experience across multiple sectors andcan
be a trusted advisor forthe bilingual project leadas well
• Embodies the excellence in a functional area
Indicative skills andexperiences
• Multisector experience in one of pricing,marketing analytics orsector expertise
• SQL,SAS,Excel, P&L knowledge
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THE DATA “NINJA”
• Has deep knowledge of the bank data
systems and architecture
• Has been around long enough to be well
connected across remote areas
• Can usually tell you which database table
and column contains what you need
without a dictionary
Indicative skills andexperiences
• n-depth data analysis and profiling,can code super-efficient processes in their respective expertise area
• SQL,SAS
21. 21 | Information driven banking | December 2015
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RUNNING A COE AS A
CONSULTING TEAM
• Projects are being resourced on an
incremental value basis
• Council Heads are the “Partners”,
responsible for high stakeholder
engagement
• Council leads are effectively the “account
engagement managers” as well as project
delivery consultants for up to 7-8
initiatives
• Senior AVP/VP are project leads working
with the rest of the team on 1-2 projects
simultaneously
• We can to cross-train analysts in different
capability areas via projects
• Each one is expected to write code,
presentations, project manage, problem
solve, run workshops and provide
leadership whenever needed
Product or segment Head aka ‘Council’
Council Head
(MD/Director)
Council Lead
(VP)
Decision Analyst
(AVP)
Senior Decision
Analyst
(VP)
Project Lead
(AVP/VP)
Decision Analyst
(AVP)
Project Lead
(AVP/VP)
Example client team
Example Client
Pool of (Senior) Decision Analysts
Staff rotation
How does it work
22. 22 | Information driven banking | December 2015
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WHO WOULD YOU WANT TO
BE
Wants
Ability to
win
Future
changes
Adding
value
…don’tthinktwice
Bilingual
Data “ninja”
The“renessance”scientist
Capabilityexpert
24. 24 | Information driven banking | December 2015
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TIME TO EARN YOUR LUNCH:
CASE STUDY 1 (30MINS)
You have just joined the bank.
The MD of the Analytics MD wishes to hear your thoughts about
how she could develop a world-class information product targeted
to Small-Medium Businesses. It’s not clear what she has in mind.
How would you approach such a problem statement?
25. 25 | Information driven banking | December 2015
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A SIMPLE FRAMEWORK
Background
You have just joined the bank.
The MD of Analytics wishes to
hear your thoughts about
how she could develop a
world-class information
product targeted to Small-
Medium Businesses. It’s not
clear what she has in mind.
Question
How would you develop this
proposition?
Develop a
information
proposition for
small business
What could be
your offering
Own data assets
What need would
you be able to
serve
Enablers
Organisational
structure
Analytical and tech
capabilities
Legal/Compliance
Market Size &
Growth
Target sectors
Market size
Growth
Who would be
your competitors
Price (what would
be your business
model)
Go to market
Partners
Existing channels
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WHAT’S UNIQUE ABOUT
YOUR OFFERING
business services
Consumer retail
banking
Corporate &
Small business
banking
Investment
Banking
Consumer
services
20-35% share
(UK) in each
sector
Top 10 bank
worldwide
1st -2nd bank
across most
products in UK
Good innovation
history
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POTENTIAL TARGET
SECTORS
28. 28 | Information driven banking | December 2015
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PARTNERING OR GOING
SOLO
Source: Oliver Wyman, “winningthe digitalbattlefield”
29. 29 | Information driven banking | December 2015
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Front end
• Growth in data
traffice
• Multichannel data
flows
Middleware
• Loyalty programmes,
dynamic pricing,
online communities
• Real time processing
• Data management
Back end
• Resilient, fast,
transacting, booking
and accounting
systems
WOULD YOU STAY
CONNECTED?
Source: AT Kearney,“FSin the age of digital”, (adapted)
Branch Web/Mobile
Third-party
apps
Customer intelligence kernel
Customer intelligence kernel
Value added functionalities
API API API
30. 30 | Information driven banking | December 2015
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TIME TO EARN YOUR FRIDAY DRINKS: CASE
STUDY 2 (30MINS)
You are the MD of the Direct Investing plattform
For the past 2 years, you have been building platform to provide
execution only investment services. You believe this would work
brilliantly and you bet your career on it. The analytics team has
worked out the pricing and looks like you’ll be making a good
deal of money for the next three years.
All you have to do is sit back and enjoy the ride. The product will
take care of itself. Or maybe not.
How do you make sure your venture doesn’t turn into a flop?
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A SIMPLE FRAMEWORK
Improve business unit
profitability
Acquire new
customers
Where
When
How
Improve existing
customer profitability
Price higher
Deepen relationship
Improve experience
Improve product
Reduce attrition
Reduce running costs
How do youmakesure yourventure
doesn’t turn into aflop?
Yourgoalis tofindwaysto utilisethe
datayouhave
32. 32 | Information driven banking | December 2015
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WE’VE ONLY PROCESSED ABOUT 0.5% OF ALL
THE AVAILABLE DATA
3.1m oil barrelsc80bnrecoverable barrels
We’ve extractedjust110oil tankers
Outof27,000oil tankerstill it dries
33. 33 | Information driven banking | December 2015
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WE GENERATE EVEN MORE
EVERY YEAR
0.8 ZB 1.2 ZB
7.9 ZB
35.0 ZB
-
1,000
2,000
3,000
4,000
5,000
6,000
2008 2010 2012 2014 2016 2018 2020 2022 2024
Growth(indexto2009)
Year
Annual data generation globally
44x more
since2009
Mostofitwouldbeyourdata,
managedbyenterprises
What is a zettabyte
Equivalent in
Zettabytes
1 gigabyte 1,000,000,000,000
1 terabyte 1,000,000,000
1 petabyte 1,000,000
1 exabyte 1,000
1 zettabyte 1
34. 34 | Information driven banking | December 2015
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WHAT COULD THIS MEAN
FOR YOU
Editor's Notes
Why am I excited to come back to WBS
Discussing with you about oil
Why financial services are not boring
How information is transforming financial services
Developing capabilities to compete with information (case studies)
Break
Earn your lunch (case study 1)
Earn your lunch (case study 2)
My sales pitch
Your very very hard questions
At the moment less than 0.5% of all data is ever analysed and used, just imagine the potential here.;
Ghawar Field in Saudi Arabia (
Hellespont Alhambra (now called TI ASIA).
Storage cost has gone down from $4 per GB in 2001 to 0.5$ per GB in 2011
And there are some more boring things. For instance the top 20 banks wordwide have paid the annual GDP of Portugal over 5 years. Which obviously, affects our ability to keep up with the necessary innovation
Well, in a commercial environment you may have a a tendency to think of a business like a box which does something and in order for it to keep moving you feed it with some sort of input (namely investment, demand for services and products) and on the other end it produces cashflows that you hope they are above your cost of doing this “something” here in the middle
Topics to touch upon
Automation
Simplification
Customer 3.0
Cost structure
Notes:
Identity as a provider to 3rd parties including government (IDAP) or identity as a service to own customers (IDAS)
1. Government pays the provider
2. Customer pays indirectly through some sort of subscription or the partner pays via revenue sharing or commission
Open discussion
Introduce the subject and give them 1-2 mins and gauge participation. If limited, guide them through the framework in the next slide.
Offer to answer any questions for them
Questions to ask
Open data (co-founded by Sir Tim Berners-Lee and Sir Nigel Shadbolt, and offer training, membership, events and consultancy around open data.)
PSD2 (what this might mean for us)
Skip if there’s not enough time
At the moment less than 0.5% of all data is ever analysed and used, just imagine the potential here.
1 terabyte holds the equivalent of roughly 210 single-sided DVDs.
took roughly 1 petabyte of local storage to render the 3D CGI effects in Avatar.
The current estimated information content of all human knowledge is only 12 exabytes.
3 mins
Your work
Your beloved ones
Your health
Your privacy
Global inequality
Your attitude towards change
Climate
Our wars
Your life