The document discusses driving adoption of electronic payment programs among residents. It emphasizes understanding why some programs fail, considering consumer trends of increased online bill payment, and following best practices like making payments convenient and easy to use. Future payment methods may include paying bills via text message or integrating payments into leasing and property management workflows. Case studies show dramatic increases in electronic payment adoption within 30 days when programs are properly implemented and promoted.
Break Through in Financial Services with Digital TransformationApttus
Banks, insurers and other financial services firms can't wait to modernize their business operations. In this session, Microsoft and Apttus show how these firms can bring quantum leaps in productivity and customer service with digital-first strategies that deliver the experience modern customers expect, both within and outside the firm.
Communication Service Providers (CSPs) can navigate the path to successful digital transformation through deep industry expertise, modular and customized solutions that meet real needs.
Outsourcing involves contracting non-core business functions to specialized third-party providers. Companies outsource to access scalable and efficient services, improve quality, and reduce costs while focusing on core competencies. India is a major global outsourcing destination due to its large skilled workforce and cost advantages. Key outsourced areas include IT services, BPO, KPO. While outsourcing provides benefits, challenges include client retention, employee turnover, and competition from other emerging low-cost destinations.
How can TCS help Banking & Financial Services industry achieve successful digital transformation through customizable solutions to stay ahead of customer's needs and drive down costs?
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.
An Introduction To Wireless Expense Managementsimonpwood
Wireless expense management allows organizations to reduce costs by proactively managing wireless expenses, which are one of the top enterprise expenses. It provides visibility into subscriber usage and helps ensure policies are followed. Outsourcing wireless expense management to an experienced company allows internal teams to focus on core tasks while the management company handles billing, inventory, usage reports, and identifying savings through audits of billing errors, unused assets, and personal usage. Comprehensive wireless expense management is complex but can significantly reduce an organization's total cost of ownership for its mobile fleet.
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
The document discusses driving adoption of electronic payment programs among residents. It emphasizes understanding why some programs fail, considering consumer trends of increased online bill payment, and following best practices like making payments convenient and easy to use. Future payment methods may include paying bills via text message or integrating payments into leasing and property management workflows. Case studies show dramatic increases in electronic payment adoption within 30 days when programs are properly implemented and promoted.
Break Through in Financial Services with Digital TransformationApttus
Banks, insurers and other financial services firms can't wait to modernize their business operations. In this session, Microsoft and Apttus show how these firms can bring quantum leaps in productivity and customer service with digital-first strategies that deliver the experience modern customers expect, both within and outside the firm.
Communication Service Providers (CSPs) can navigate the path to successful digital transformation through deep industry expertise, modular and customized solutions that meet real needs.
Outsourcing involves contracting non-core business functions to specialized third-party providers. Companies outsource to access scalable and efficient services, improve quality, and reduce costs while focusing on core competencies. India is a major global outsourcing destination due to its large skilled workforce and cost advantages. Key outsourced areas include IT services, BPO, KPO. While outsourcing provides benefits, challenges include client retention, employee turnover, and competition from other emerging low-cost destinations.
How can TCS help Banking & Financial Services industry achieve successful digital transformation through customizable solutions to stay ahead of customer's needs and drive down costs?
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.
An Introduction To Wireless Expense Managementsimonpwood
Wireless expense management allows organizations to reduce costs by proactively managing wireless expenses, which are one of the top enterprise expenses. It provides visibility into subscriber usage and helps ensure policies are followed. Outsourcing wireless expense management to an experienced company allows internal teams to focus on core tasks while the management company handles billing, inventory, usage reports, and identifying savings through audits of billing errors, unused assets, and personal usage. Comprehensive wireless expense management is complex but can significantly reduce an organization's total cost of ownership for its mobile fleet.
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
A CFO's Guide to Understanding the Black Box of ITPayStream
This document discusses understanding the "black box" of IT spending through technology business management (TBM). It describes how CFOs struggle to understand complex IT investments and how TBM solutions provide transparency into IT costs through standard cost allocation and benchmarking against peers. The document recommends TBM best practices like budget forecasting, benchmarking, and optimizing efficiency. It suggests considering a TBM provider's independence, cloud-based solution, cost model standards, validation, and adherence to best practices.
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
Velocity in Small Business - Auto DecisioningBaker Hill
This session highlighted industry best practices around the use of automated decisioning best practices and success stories of banks and credit unions that have been able to leverage this functionality to increase efficiency in small business and consumer work flows. While automated decisioning may not be a strategic initiative for all financial institutions, speakers discussed cultural and credit appetite barriers that are necessary to overcome. We outlined a step-by-step process that will position your small business and/or consumer lending teams to drive velocity, enhance the client experience, and approach automated decisioning in a responsible and credit-centric way.
AI, bots, and automation are dominating the headlines when it comes to efficiency gains in banking, but should they? What about decades of banking experience when it comes to the hard credit decisions—should that not be included in the analysis? In this session, speakers uncovered areas in the commercial and small business lending workflow where bots and bankers battle it out.
The document discusses reforming public services and advice systems. It argues that current systems focus too much on targets, outputs, and costs rather than outcomes, waste reduction, and continual improvement. Advice services experience "failure demand" caused by problems in other public systems. Current funding models incentivize short-term outputs over long-term learning and system redesign. True reform requires taking a systems perspective, understanding experiences from the client point of view, and redesigning the entire system to reduce waste and improve outcomes.
Moving from Mobile Money to Digital Financial ServicesJohn Owens
In this webinar, I shared updates on the growing shift from mobile money to broader digital financial services to promote financial inclusion. These broader services include greater integration and convergence of electronic funds transfers, debit/ATM cards, and agent banking. Over the past couple of years, a range of public and private players such as USAID, the Better Than Cash Alliance, the Bill & Melinda Gates Foundation, the Alliance for Financial Inclusion, and other groups have actively supported or focused on policy areas that promoted the use of digital financial services for greater financial inclusion.
With the greater role of governments, regulators, private sector players, and more importantly, the role and perspective of clients at the base of the economic pyramid, this new emphasis on digital financial services, has a much better chance of accomplishing deeper financial inclusion than we have seen in the past. This presentation focuses on this broader approach to improving financial inclusion and shares lessons learned from a practitioner in the field point of view.
The document discusses growing trends in connected devices and the Internet of Things (IoT). It predicts that the number of connected devices will reach 26 billion by 2020. It provides examples of how wearable devices can help increase productivity and reduce healthcare costs. The document also discusses how connected machines can help businesses increase efficiencies, improve customer experience, and create new revenue streams. Finally, it provides examples of IoT use cases for smart lighting, smart parking, tank level monitoring, and cashless vending that address challenges and provide benefits with Verizon connectivity and data services.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
A Capability Model for Driving Customer Engagement in a Connected WorldAcxiom Corporation
This presentation outlines a capability model for driving customer engagement in a connected world. It discusses transforming marketing processes, customer data, infrastructure and analytics to integrate marketing platforms, enable real-time updates and optimize offers across channels. Case studies show tech firms increasing revenue 15-30% and banks improving earnings. A panel discusses applying the model. The goal is improved spend efficiency, acquisition, data use and speed through trigger-based, cross-channel interactions.
Software Advice BuyerView: Call Center Software Report 2014Software Advice
This document summarizes insights from 385 interactions between call center software buyers and Software Advice. Key findings include: 46% of buyers were purchasing call center software for the first time, with call recording and computer-telephone integration being the most desired features. 61% of buyers have 10 or fewer users and 79% have annual revenue of $25 million or less, with most seeking to improve efficiency and organization. The largest industry segments were medical, consulting, and software/IT.
MnCCC 2016- Account payable trends for local governmentEric Kallies
The document outlines several key trends in accounts payable for 2016: increased adoption of cloud-based AP systems, a focus on improving visibility into invoices and payables data, centralized invoice receipt processes, greater use of mobile technologies for invoice processing, growing e-invoicing rates, and outsourcing of payment processing. Cloud momentum is strong with nearly a quarter of organizations planning to transition to the cloud in the next two years. Visibility remains a challenge as payables data is often siloed and difficult to access. Centralized invoice receipt can help address issues and identify process weaknesses. Mobile deployment is expected to increase significantly as well. E-invoicing adoption also continues rising with many seeking to automate invoice receipt. Outsour
Digital transformation: How communications service providers can thrive in th...Tata Consultancy Services
Navigate the path to successful digital transformation. Through deep industry expertise, modular, customizable solutions that meet real needs, we help you stay ahead of customers’ needs and reduce costs.
Save-Guarding Your Innovation Landscape: Outsource Innovation and Channel Rev...Derrydean Dadzie
This presentation shoots into innovation and how enterprises can maximize innovation by outsourcing the innovation endeavor to a third party partner. I did this presentation in July 2014.
Understanding the East African Aggregator LandscapeCGAP
What are aggregators?
Aggregators can be thought of as the glue that helps many parts of the digital financial services (DFS) ecosystem to work together.
They allow Payment Instrument Providers (PIPs) – like Mobile Network Operators (MNOs) offering mobile money services or banks offering mobile banking - to easily integrate with entities that want to send money to or receive money from end customers. These entities can be utility companies who want to receive payments, businesses who want to pay salaries or donors who want to pay recipients, for example.
Why do they matter?
Aggregators enable the seamless collection, disbursement and circulation of digital payments across multiple payment providers. They mostly work in the background, and millions of transactions in East Africa pass through them everyday–usually without customers even being aware of them.
Gartner 2013 it cost optimization strategy, best practices & risksSatya Harish
1. The document discusses proven practices for optimizing IT spending, including establishing baselines, identifying cost optimization opportunities, developing an optimization strategy, and tracking benefits.
2. It emphasizes that cost optimization should be an ongoing discipline rather than a one-time project, and outlines a framework for establishing an IT cost optimization program.
3. Several opportunities for cost savings are identified, such as optimizing infrastructure, application portfolio management, and improving application delivery; and factors for evaluating opportunities like potential benefits, time requirements, and risks are covered.
Sargento Auto Bulbs wants to replace their current financial systems with a new company-wide networked transaction processing system to improve data accuracy, processing times, and real-time reporting across departments. They demonstrated a prototype using Microsoft Access that connects all customer and sales data into a single database, allows electronic reporting and data sharing, and aims to streamline the sales to billing process. Moving forward, they plan to consider a web-based interface and further integration with other business systems.
Digital Transformation in Banking Financial Services Industrysethnainaa
Digital Transformation is more than just moving from traditional banking system to
a digital one. It is a vital change in how banks and other financial institutions learn
about, interact with, and satisfy customer’s needs. The age of “Customer is King”
has truly arrived.
Oshrat Nir shares results from a global consumer survey, as she looks at the customer experience, and explains to service providers how they can enable a digital transformation.
Front End: What can we do to improve the customer experience?IRESS
This document discusses improving the customer experience for wealth managers. It notes that regulators, clients, and wealth managers often have conflicting expectations that are influenced by changing regulations, technology, and client demands. The document outlines the complex operating models and integrated services that many wealth managers now provide. It proposes a client-centered architecture using digital channels and unified technology to better service multiple client segments and meet the various expectations of regulators, clients, and the firms themselves.
Garth Grahams Stratmor Slides from Digital Mortgage Conference 2017Mortgage Coach
These are the slides that Garth Graham shared at Digital Mortgage and Sales Mastery -- he provided them to the Mortgage Coach community during his interview at Sales Mastery
Hutch is a mobile network provider in Sri Lanka and part of the Hutchison Whampoa company. It aims to make everyone a mobile phone owner. A SWOT analysis identified strengths like affordable services but also weaknesses such as limited network coverage. Competitors like Dialog and Mobitel have strengths like large customer bases and network coverage. Hutch uses strategies like differentiated targeting of segments with tailored prepaid and postpaid plans. It positions itself based on low rates and innovative packages.
A CFO's Guide to Understanding the Black Box of ITPayStream
This document discusses understanding the "black box" of IT spending through technology business management (TBM). It describes how CFOs struggle to understand complex IT investments and how TBM solutions provide transparency into IT costs through standard cost allocation and benchmarking against peers. The document recommends TBM best practices like budget forecasting, benchmarking, and optimizing efficiency. It suggests considering a TBM provider's independence, cloud-based solution, cost model standards, validation, and adherence to best practices.
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
Velocity in Small Business - Auto DecisioningBaker Hill
This session highlighted industry best practices around the use of automated decisioning best practices and success stories of banks and credit unions that have been able to leverage this functionality to increase efficiency in small business and consumer work flows. While automated decisioning may not be a strategic initiative for all financial institutions, speakers discussed cultural and credit appetite barriers that are necessary to overcome. We outlined a step-by-step process that will position your small business and/or consumer lending teams to drive velocity, enhance the client experience, and approach automated decisioning in a responsible and credit-centric way.
AI, bots, and automation are dominating the headlines when it comes to efficiency gains in banking, but should they? What about decades of banking experience when it comes to the hard credit decisions—should that not be included in the analysis? In this session, speakers uncovered areas in the commercial and small business lending workflow where bots and bankers battle it out.
The document discusses reforming public services and advice systems. It argues that current systems focus too much on targets, outputs, and costs rather than outcomes, waste reduction, and continual improvement. Advice services experience "failure demand" caused by problems in other public systems. Current funding models incentivize short-term outputs over long-term learning and system redesign. True reform requires taking a systems perspective, understanding experiences from the client point of view, and redesigning the entire system to reduce waste and improve outcomes.
Moving from Mobile Money to Digital Financial ServicesJohn Owens
In this webinar, I shared updates on the growing shift from mobile money to broader digital financial services to promote financial inclusion. These broader services include greater integration and convergence of electronic funds transfers, debit/ATM cards, and agent banking. Over the past couple of years, a range of public and private players such as USAID, the Better Than Cash Alliance, the Bill & Melinda Gates Foundation, the Alliance for Financial Inclusion, and other groups have actively supported or focused on policy areas that promoted the use of digital financial services for greater financial inclusion.
With the greater role of governments, regulators, private sector players, and more importantly, the role and perspective of clients at the base of the economic pyramid, this new emphasis on digital financial services, has a much better chance of accomplishing deeper financial inclusion than we have seen in the past. This presentation focuses on this broader approach to improving financial inclusion and shares lessons learned from a practitioner in the field point of view.
The document discusses growing trends in connected devices and the Internet of Things (IoT). It predicts that the number of connected devices will reach 26 billion by 2020. It provides examples of how wearable devices can help increase productivity and reduce healthcare costs. The document also discusses how connected machines can help businesses increase efficiencies, improve customer experience, and create new revenue streams. Finally, it provides examples of IoT use cases for smart lighting, smart parking, tank level monitoring, and cashless vending that address challenges and provide benefits with Verizon connectivity and data services.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
A Capability Model for Driving Customer Engagement in a Connected WorldAcxiom Corporation
This presentation outlines a capability model for driving customer engagement in a connected world. It discusses transforming marketing processes, customer data, infrastructure and analytics to integrate marketing platforms, enable real-time updates and optimize offers across channels. Case studies show tech firms increasing revenue 15-30% and banks improving earnings. A panel discusses applying the model. The goal is improved spend efficiency, acquisition, data use and speed through trigger-based, cross-channel interactions.
Software Advice BuyerView: Call Center Software Report 2014Software Advice
This document summarizes insights from 385 interactions between call center software buyers and Software Advice. Key findings include: 46% of buyers were purchasing call center software for the first time, with call recording and computer-telephone integration being the most desired features. 61% of buyers have 10 or fewer users and 79% have annual revenue of $25 million or less, with most seeking to improve efficiency and organization. The largest industry segments were medical, consulting, and software/IT.
MnCCC 2016- Account payable trends for local governmentEric Kallies
The document outlines several key trends in accounts payable for 2016: increased adoption of cloud-based AP systems, a focus on improving visibility into invoices and payables data, centralized invoice receipt processes, greater use of mobile technologies for invoice processing, growing e-invoicing rates, and outsourcing of payment processing. Cloud momentum is strong with nearly a quarter of organizations planning to transition to the cloud in the next two years. Visibility remains a challenge as payables data is often siloed and difficult to access. Centralized invoice receipt can help address issues and identify process weaknesses. Mobile deployment is expected to increase significantly as well. E-invoicing adoption also continues rising with many seeking to automate invoice receipt. Outsour
Digital transformation: How communications service providers can thrive in th...Tata Consultancy Services
Navigate the path to successful digital transformation. Through deep industry expertise, modular, customizable solutions that meet real needs, we help you stay ahead of customers’ needs and reduce costs.
Save-Guarding Your Innovation Landscape: Outsource Innovation and Channel Rev...Derrydean Dadzie
This presentation shoots into innovation and how enterprises can maximize innovation by outsourcing the innovation endeavor to a third party partner. I did this presentation in July 2014.
Understanding the East African Aggregator LandscapeCGAP
What are aggregators?
Aggregators can be thought of as the glue that helps many parts of the digital financial services (DFS) ecosystem to work together.
They allow Payment Instrument Providers (PIPs) – like Mobile Network Operators (MNOs) offering mobile money services or banks offering mobile banking - to easily integrate with entities that want to send money to or receive money from end customers. These entities can be utility companies who want to receive payments, businesses who want to pay salaries or donors who want to pay recipients, for example.
Why do they matter?
Aggregators enable the seamless collection, disbursement and circulation of digital payments across multiple payment providers. They mostly work in the background, and millions of transactions in East Africa pass through them everyday–usually without customers even being aware of them.
Gartner 2013 it cost optimization strategy, best practices & risksSatya Harish
1. The document discusses proven practices for optimizing IT spending, including establishing baselines, identifying cost optimization opportunities, developing an optimization strategy, and tracking benefits.
2. It emphasizes that cost optimization should be an ongoing discipline rather than a one-time project, and outlines a framework for establishing an IT cost optimization program.
3. Several opportunities for cost savings are identified, such as optimizing infrastructure, application portfolio management, and improving application delivery; and factors for evaluating opportunities like potential benefits, time requirements, and risks are covered.
Sargento Auto Bulbs wants to replace their current financial systems with a new company-wide networked transaction processing system to improve data accuracy, processing times, and real-time reporting across departments. They demonstrated a prototype using Microsoft Access that connects all customer and sales data into a single database, allows electronic reporting and data sharing, and aims to streamline the sales to billing process. Moving forward, they plan to consider a web-based interface and further integration with other business systems.
Digital Transformation in Banking Financial Services Industrysethnainaa
Digital Transformation is more than just moving from traditional banking system to
a digital one. It is a vital change in how banks and other financial institutions learn
about, interact with, and satisfy customer’s needs. The age of “Customer is King”
has truly arrived.
Oshrat Nir shares results from a global consumer survey, as she looks at the customer experience, and explains to service providers how they can enable a digital transformation.
Front End: What can we do to improve the customer experience?IRESS
This document discusses improving the customer experience for wealth managers. It notes that regulators, clients, and wealth managers often have conflicting expectations that are influenced by changing regulations, technology, and client demands. The document outlines the complex operating models and integrated services that many wealth managers now provide. It proposes a client-centered architecture using digital channels and unified technology to better service multiple client segments and meet the various expectations of regulators, clients, and the firms themselves.
Garth Grahams Stratmor Slides from Digital Mortgage Conference 2017Mortgage Coach
These are the slides that Garth Graham shared at Digital Mortgage and Sales Mastery -- he provided them to the Mortgage Coach community during his interview at Sales Mastery
Hutch is a mobile network provider in Sri Lanka and part of the Hutchison Whampoa company. It aims to make everyone a mobile phone owner. A SWOT analysis identified strengths like affordable services but also weaknesses such as limited network coverage. Competitors like Dialog and Mobitel have strengths like large customer bases and network coverage. Hutch uses strategies like differentiated targeting of segments with tailored prepaid and postpaid plans. It positions itself based on low rates and innovative packages.
Mortgage Efficiency Survey 2016 - Henry WoodcockIRESS
Hi-lights from IRESS Mortgage Efficiency Survey 2016.
This industry survey, now in its fifth year, tracks the developments in the mortgage industry over the past 12 months. It enables lenders to benchmark their mortgage sales and originations systems and processes against the mortgage market as a whole, their peers and the sector they operate in across a variety of key performance indicators.
For the full report view www.iress.com/mes2016
Onboarding First Million Seller in e-RetailVodafone
The document discusses strategies for an e-retail company to onboard the first million sellers online in India. It recommends focusing on tier 2 and 3 cities and unorganized sectors like food, apparel and consumer electronics. The company should treat sellers as partners, offer competitive pricing and faster delivery. It should use multiple strategies like outcalling, digital marketing and partnerships to onboard 30,000 sellers per month. Key metrics like resolution rates and resource utilization should be tracked.
Bank world conference diebold branch transformation presentation_011813Chris Gill
This document discusses strategies for transforming bank branches to enhance profitability and customer experience. It notes key trends like shifting to digital/mobile banking and changing customer expectations. The future branch role is described as providing complex services like financial planning instead of transactions. A branch transformation framework involves assessing activities to find efficiency improvements like automating transactions. This allows redeploying staff to focus on sales and customer relationships. The document recommends a comprehensive approach including network optimization, customer experience assessments, and testing automation solutions.
Iress mortgage efficiency survey report 2014 Henry Woodcock
The IRESS mortgage efficiency survey measures and benchmarks key performance indicators for mortgage lenders. This is the third year of the survey so we are also able to look at developing trends over the three year period.
In all the participants represent a 66% market share of gross lending equating to just under £120bn of mortgage loans.
The document discusses enhancing customer experience for a telecommunications company. It outlines typical challenges such as slow customer response times and activating customers across multiple channels. It proposes an omni-channel solution using Genesys to address all customer touchpoints like voice, SMS, social media and live chat. The solution would also use CRM, marketing automation, a knowledge base and business intelligence tools to improve the customer journey, reduce costs and drive revenues. Social media monitoring and publishing capabilities are demonstrated. Overall the solution aims to provide a centralized customer care platform for a better customer experience.
Challenges and Risks for the CIO from Outsourcing in the digital eraAntoine Vigneron
This document discusses the challenges facing CIOs from outsourcing in the digital era. It covers several topics: how trends like cloud computing are disrupting traditional outsourcing arrangements; whether everything as a service models could lead to outsourcing everything; and how governance needs to evolve to address challenges from digital and transformational outsourcing. The document also examines how digital disruption is impacting industries, and discusses trends in areas like travel and transportation that are improving customer experiences through new technologies.
The document discusses strategies for digital banking transformation at a bank. It provides an analysis of primary research findings on customer preferences and usage of digital vs branch banking. A SWOT analysis identifies strengths and weaknesses of both approaches. Industry research shows growth of digital banking in Asia. The roadmap proposes a strategic shift to a digital-centric model and building blocks for digital transformation including customer understanding, process digitization, and analytics capabilities. It concludes that Indian banks must bridge the digital divide and adopt digital banking through improved CRM, customer support, and knowledge sharing.
The document discusses outsourcing ATM services to Independent ATM Deployers (IADs). IADs can take over expensive hardware/software costs, maintenance, and compliance requirements for financial institutions. Outsourcing allows banks to focus on online/mobile banking while still providing physical access points through IAD-owned ATMs. IADs gain by expanding the reach of financial institutions' brands and gaining access to surcharge-free networks, which benefits customers and drives more transactions. The presentation provides an overview of outsourcing benefits and considerations for both IADs and financial institutions.
State of FinTech Innovation, Implications for Financial Services Institutions...Dushyant Shahrawat, CFA
This document discusses innovation in financial technology (fintech) and its implications. It makes the following key points:
1) Customer acquisition, servicing, and branding are increasingly moving to digital channels, often through non-financial firms.
2) Startups are focused on replacing intermediaries or reducing their influence through technology to lower costs, automate processes, and assess risk differently.
3) Incumbent financial institutions are struggling to change due to legacy systems, culture, and concerns about disrupting existing revenue. Non-financial tech firms are poised to enter payments and other financial services.
Digital transformation provides opportunities for new revenue streams and cost optimization. It differs from traditional IT transformation in several key ways: digital transformation is customer-facing, top-down, and driven by market forces rather than IT upgrade cycles. Over time, the triggers driving digital transformation have evolved from early revenue generation to include new business models and industry disruption. Attributes of successful digital transformation include simplicity, ubiquity, affordability, speed, usability, and empowerment. Digital disruption poses low barriers to entry and forces constant innovation.
A PRACTICAL APPROACH TO CUSTOMER CENTRIC INTERACTIONSayodahunsi
The digital environment has dramatically changed the way customers expect and demand to engage with brands. It’s a change or die situation for businesses that need to transform quickly to integrate online and offline activities to serve customers 24x7 service in their channels of choice. At the same time, businesses need to balance their own needs for revenue uplift and cost containment within this new digital model. This session provides insight into the current customer service landscape, showcases best practices for customer engagement and provides real-life examples and results from transformative, customer-centric strategies.
Discusses Latest Trends in the Payments Industry from a global perspective. Starts with the increase in digital payments to the the need for banks to re-look at how they approach compliance to REgTechs to Regulatory Sandbox to Open API to Security and Authentication
Financial inclusion is the main means for financial inclusion. I am working for that exostively. It is important for readers. Please make it online. It is useful for the university teacher and students and other practitioners. For bank professionals also highly useful.
Digital Lending Journy and Main Concerns .pptxetebarkhmichale
CRM 101: What is CRM?
This is a simple definition of CRM.
Customer relationship management (CRM) is a technology for managing all your company’s relationships and interactions with customers and potential customers. The goal is simple: Improve business relationships to grow your business. A CRM system helps companies stay connected to customers, streamline processes, and improve profitability.
When people talk about CRM, they are usually referring to a CRM system, a tool that helps with contact management, sales management, agent productivity, and more. CRM tools can now be used to manage customer relationships across the entire customer lifecycle, spanning marketing, sales, digital commerce, and customer service interactions.
A CRM solution helps you focus on your organization’s relationships with individual people — including customers, service users, colleagues, or suppliers — throughout your lifecycle with them, including finding new customers, winning their business, and providing support and additional services throughout the relationship.
Who is CRM for?
A CRM system gives everyone — from sales, customer service, business development, recruiting, marketing, or any other line of business — a better way to manage the external interactions and relationships that drive success. A CRM tool lets you store customer and prospect contact information, identify sales opportunities, record service issues, and manage marketing campaigns, all in one central location — and make information about every customer interaction available to anyone at your company who might need it.
With visibility and easy access to data, it's easier to collaborate and increase productivity. Everyone in your company can see how customers have been communicated with, what they’ve bought, when they last purchased, what they paid, and so much more. CRM can help companies of all sizes drive business growth, and it can be especially beneficial to a small business, where teams often need to find ways to do more with less.
Here’s why CRM matters to your business.
CRM is the largest and fastest-growing enterprise application software category, and worldwide spending on CRM is expected to reach USD $114.4 billion by the year 2027. If your business is going to last, you need a strategy for the future that’s centered around your customers, and enabled by the right technology. You have targets for sales, business objectives, and profitability. But getting up-to-date, reliable information on your progress can be tricky. How do you translate the many streams of data coming in from sales, customer service, marketing, and social media monitoring into useful business information?
A CRM system can give you a clear overview of your customers. You can see everything in one place — a simple, customizable dashboard that can tell you a customer’s previous history with you, the status of their orders, any outstanding customer service issues, and more. You can even choose to include information
Strategic Management Presentation on Mobilink. The file includes information about business scope, ,market structure, distribution system, and SWOT analysis of the company. The presentation covers information about telecommunication industry's trends and Mobilink's current standing in the industry.
This document provides information about various subscription packages from CRN that provide market research reports and analysis. The reports summarize key findings from surveys of IT decision makers, resellers, vendors and other industry participants. Report topics include the IT buyers guide, vendor performance ratings, top UK resellers, the managed services market, mobility trends, and segments like education, public sector and healthcare. Subscription packages provide access to 3-5 selected reports and range in price from £15,995 to £24,995 depending on the level of access and customization. The platinum package includes all reports and a consultation session with CRN's executive editor.
Telcos Strategic Positioning in the new world: The revolution will be Digital...Rob Van Den Dam
The document discusses potential strategic growth plays for telecommunications companies (telcos) in response to emerging trends and the changing technology landscape. It outlines two potential strategic growth plays:
1) A strategic operational play of perfecting core operations through initiatives like customer intimacy, virtual channels, and optimizing networks.
2) Creating a "smarter ecosystem" where the telco positions itself at the center of a network of partners and services that power business and consumer needs. This involves building an "integrated ICT engine" to underpin the ecosystem through capabilities like managed infrastructure platforms and integrated IP communications services.
Broadway Partners was invited to present at INCA's workshop on Superfast Wireless Broadband. The topic was how the EU's State Aid framework interplays with the roll out of superfast wireless broadband in the UK.
I was asked to speak at the FttH Council Europe conference in 2013, and took as my subject the relevance of communities in the migration to next generation broadband - not in a soft, social way but from the perspective of economics and good business.
This is presentation I gave at a Codeworks event in Gateshead looking at the service opportunities arising from the shift to Next Generation broadband platforms.
I've been doing some very interesting work with Samknows on mapping and understanding the broadband landscape in the UK, and how that affects the roll-out of next generation broadband.This presentation at the NextGen09 conference in Leeds covers some of the mapping work.
I presented a narrative on why the UK needs a national broadband framework, and how an aggregation and settlement system might work to unlock next generation broadband investments.
At the annual Commission for Rural Communities conference in Birmingham, UK, I presented on the state of broadband in rural areas based on the work done for their "Mind the Gap" report.
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Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
Profiles of Iconic Fashion Personalities.pdfTTop Threads
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
Prescriptive analytics BA4206 Anna University PPTFreelance
Business analysis - Prescriptive analytics Introduction to Prescriptive analytics
Prescriptive Modeling
Non Linear Optimization
Demonstrating Business Performance Improvement
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How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
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popular canines. The French Bulldog is the new top dog in the
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rankings in rapid time despite having health concerns and limited
color choices.”
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
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During the budget session of 2024-25, the finance minister, Nirmala Sitharaman, introduced the “solar Rooftop scheme,” also known as “PM Surya Ghar Muft Bijli Yojana.” It is a subsidy offered to those who wish to put up solar panels in their homes using domestic power systems. Additionally, adopting photovoltaic technology at home allows you to lower your monthly electricity expenses. Today in this blog we will talk all about what is the PM Surya Ghar Muft Bijli Yojana. How does it work? Who is eligible for this yojana and all the other things related to this scheme?
NIMA2024 | De toegevoegde waarde van DEI en ESG in campagnes | Nathalie Lam |...BBPMedia1
Nathalie zal delen hoe DEI en ESG een fundamentele rol kunnen spelen in je merkstrategie en je de juiste aansluiting kan creëren met je doelgroep. Door middel van voorbeelden en simpele handvatten toont ze hoe dit in jouw organisatie toegepast kan worden.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
2. The observation
Who engages & why?
These influence operators’ engagement strategies
• Managing a migration needs a focus on
premium services to early adopters –
“bandwidth sells”
• Customer acquisition needs a wider appeal and
engagement to achieve break-even quicker
Understanding market motivation
directs any successful intervention
Broadband more than most!
Network operators have
different market
motivations & strategies
• Customer acquisition?
• Premium offering?
• Managing migration of
existing customers?
Benoit Felton
3. Who buys when
Innovators
2.5%
Early Adopters
13.5%
Early Majority
34%
Late Majority
34%
Laggards
16%
This is where
speed sells
This is where services
& engagement are
needed
Diffusion of ideas
Cumulative
demand
Reaching off-liners
requires transformed
public services
5. Reach
Richness Richness or Reach?
Corporate
Services
ADSL
VDSL
Campus Networks
Metro Networks
Evans & Wurster
SME
Closing the gap
• Means the most to small &
medium businesses
• Requires movement from
both submarkets
8. Bringing it together
• We have two sub-markets
• Their threshold for Digital
Isolation will be different
• Their commercial needs
to reach further will be
different
• Their appetite to engage
will be different
A successful intervention will draw on both ends of
the market in ways that are natural to each.