Challenges in designing financial solutions for Generation Z - Maja Schaefer @ Central European Digital Payments
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Prezentacja na temat wyzwań w projektowaniu systemów finansowych dla młodego pokolenia - Generacji Z.
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Q1.1
Digital citizenship involves core elements like digital access, commerce, communication, literacy, etiquette, law, rights and responsibilities, and health and wellness. It also requires five fluencies: solution fluency, creativity fluency, collaboration fluency, media fluency, and information fluency. Solution fluency involves defining problems, designing solutions, delivering solutions, and evaluating outcomes. Creativity fluency adds meaning through design, art, and storytelling. Collaboration fluency is the ability to work cooperatively online to solve problems and create products. Media fluency analyzes any communication to interpret messages and evaluate effectiveness. Information fluency intuitively extracts and authenticates essential knowledge from information in any form.
Question 1.1
The document discusses the digital divide, which refers to unequal access to technology between demographics and regions. Those without access are disadvantaged in terms of opportunities and skills to benefit from digital resources like the internet. Lack of access puts poorer nations further at an economic disadvantage and prevents schools from teaching vital technology skills. Governments can help address this by developing e-government tools, encouraging ICT usage, supporting skill development, offering cheaper technology alternatives, and improving infrastructure in rural areas. This would help communities compete globally.
Online business Development/ Gen C
Generation C represents those born with internet access and prefers creative, collaborative digital experiences. They will represent 40% of the EU population by 2020. YouTube is a popular platform for Generation C to access information and content. Millennials prefer social, mobile experiences and sharing via social media. New hotels like Moxy and Citizen M are designed specifically for these digital generations by offering tech-enabled communal spaces and emphasis on connectivity to share experiences. Their websites effectively target these generations with a strong design identity, focus on unique experiences, and accessibility.
Media Convergence - Customer Behaviour
(2014 Oct, updated) On an escape-to-nowhere frame where the fragmentation media consumption draws the current path, only one direction can be clear for brands and advertsing agencies: Less interruption, more conversation
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"Wonderbra Decoder | Uncover Adriana Cernanova's secrets"
http://www.youtube.com/watch?v=dLBFkC2qvl0
"WWF Siberian Tiger"
http://www.youtube.com/watch?v=0ZO4mkTbaj0
"eMart Shadow-Activated QR Code Korean Supermarket Campaign"
http://www.youtube.com/watch?v=1N6EdgN3FUU
"TAT The Future of Screen Technology 2014"
http://www.youtube.com/watch?v=g7_mOdi3O5E
"The incredible world of Diminished Reality"
http://www.youtube.com/watch?v=FgTq-AgYlTE
"Sight"
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Mobile marketing
This document discusses trends in mobile and social media marketing. It notes that younger generations, especially teens, are increasingly engaging with social networks and sharing personal information online. Mobile devices are also becoming more widespread and a key platform for social networking through new apps. The document advocates that companies maintain an authentic voice by honestly engaging with existing online communities on their terms, in order to build trust with consumers. It provides statistics on the growth of user-generated mobile content and social communities.
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DC202_-_Communicating_with_Gen_Y_and_Z
Generation Y and Z have very different communication preferences than older generations. Generation Y prefers social media and texting while Generation Z communicates heavily through images and video on platforms like Instagram and Snapchat. To effectively reach these audiences, companies need a multichannel approach that incorporates both print and digital and allows for customization. They should also engage customers through collaborative projects and incentivize loyalty through rewards. Both generations care about social causes and want companies to have a positive impact.
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Q1.1
Digital citizenship involves core elements like digital access, commerce, communication, literacy, etiquette, law, rights and responsibilities, and health and wellness. It also requires five fluencies: solution fluency, creativity fluency, collaboration fluency, media fluency, and information fluency. Solution fluency involves defining problems, designing solutions, delivering solutions, and evaluating outcomes. Creativity fluency adds meaning through design, art, and storytelling. Collaboration fluency is the ability to work cooperatively online to solve problems and create products. Media fluency analyzes any communication to interpret messages and evaluate effectiveness. Information fluency intuitively extracts and authenticates essential knowledge from information in any form.
Question 1.1
The document discusses the digital divide, which refers to unequal access to technology between demographics and regions. Those without access are disadvantaged in terms of opportunities and skills to benefit from digital resources like the internet. Lack of access puts poorer nations further at an economic disadvantage and prevents schools from teaching vital technology skills. Governments can help address this by developing e-government tools, encouraging ICT usage, supporting skill development, offering cheaper technology alternatives, and improving infrastructure in rural areas. This would help communities compete globally.
Online business Development/ Gen C
Generation C represents those born with internet access and prefers creative, collaborative digital experiences. They will represent 40% of the EU population by 2020. YouTube is a popular platform for Generation C to access information and content. Millennials prefer social, mobile experiences and sharing via social media. New hotels like Moxy and Citizen M are designed specifically for these digital generations by offering tech-enabled communal spaces and emphasis on connectivity to share experiences. Their websites effectively target these generations with a strong design identity, focus on unique experiences, and accessibility.
Media Convergence - Customer Behaviour
(2014 Oct, updated) On an escape-to-nowhere frame where the fragmentation media consumption draws the current path, only one direction can be clear for brands and advertsing agencies: Less interruption, more conversation
Video links:
"The Last Advertising Agency On Earth"
http://vimeo.com/10251808
"Wonderbra Decoder | Uncover Adriana Cernanova's secrets"
http://www.youtube.com/watch?v=dLBFkC2qvl0
"WWF Siberian Tiger"
http://www.youtube.com/watch?v=0ZO4mkTbaj0
"eMart Shadow-Activated QR Code Korean Supermarket Campaign"
http://www.youtube.com/watch?v=1N6EdgN3FUU
"TAT The Future of Screen Technology 2014"
http://www.youtube.com/watch?v=g7_mOdi3O5E
"The incredible world of Diminished Reality"
http://www.youtube.com/watch?v=FgTq-AgYlTE
"Sight"
http://vimeo.com/46304267
Mobile marketing
This document discusses trends in mobile and social media marketing. It notes that younger generations, especially teens, are increasingly engaging with social networks and sharing personal information online. Mobile devices are also becoming more widespread and a key platform for social networking through new apps. The document advocates that companies maintain an authentic voice by honestly engaging with existing online communities on their terms, in order to build trust with consumers. It provides statistics on the growth of user-generated mobile content and social communities.
Aauw presentation 11 8-10
The document is a presentation about social media and technology for the 21st century given by Kathy Sipple, a social media specialist and founder of My Social Media Coach. It provides an overview of how technology and social media have evolved, defines social media, discusses various social media sites and their uses, debunks myths about social media, and offers next steps for engaging with social media. It encourages connecting with Kathy Sipple on social media and mentions one-on-one coaching is available.
AAUW Kathy Sipple Presentation 11-8-10
Social Media Specialist Kathy Sipple was invited to present "Technology for the 21st Century" for the Michigan City Chapter of American Association of University Women on 11-8-10.
DC202_-_Communicating_with_Gen_Y_and_Z
Generation Y and Z have very different communication preferences than older generations. Generation Y prefers social media and texting while Generation Z communicates heavily through images and video on platforms like Instagram and Snapchat. To effectively reach these audiences, companies need a multichannel approach that incorporates both print and digital and allows for customization. They should also engage customers through collaborative projects and incentivize loyalty through rewards. Both generations care about social causes and want companies to have a positive impact.
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The document discusses bridging the digital divide by proposing low-tech solutions for communication in developing areas with limited infrastructure. It suggests using simple tools like paper forms, wheels with numbers, and radio for collecting local data and reports that can then be sent by SMS, phone calls, or radio to recipients. These approaches are language-independent, cheap to make locally, and don't require constant battery or network access like smartphones.
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David Wood has spent more than 20 years envisioning, architecting, implementing, supporting, and avidly using smart mobile devices (devices that can also be called "personal electronic brains"): ten years with PDA manufacturer Psion PLC, and then ten more with smartphone operating system specialist Symbian Ltd. He was centrally involved in preparations and planning for the open source Symbian Foundation. Over that time, many lessons have emerged, highly relevant to the H+ mission to explore how humanity will be radically changed by technology in the near future:
What factors cause both spurts and slowdowns in technology development? What enables new technology visions to "cross the chasm" towards mainstream adoption? Given the history of improvements in smart mobile devices over the last 20 years, what can we realistically expect in the next 20 years? How credible is the vision of mobile devices helping billions of people to collect data that can be used for science and advance human knowledge? To what extent can technological progress be foreseen, and to what extent is the process chaotic, risky, and even dangerous?
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His background includes: many years building and integrating UI system software and application frameworks in 16-bit and 32-bit versions of “EPOC” software (later named “Symbian OS”); growing and directing the technical consulting teams that worked with leading phone manufacturers to create the world’s first successful smartphones; and defining and running development programs to stimulate and nurture the fast-growing Symbian partner ecosystem.
From the first half of 2008, he was involved in preparations and planning for the independent open source Symbian Foundation. He served on the Leadership Team of the Symbian Foundation as “Catalyst and Futurist” until October 2009. I continue these same roles from within Delta Wisdom.
He has an MA in Mathematics from Cambridge University and an honorary doctorate in science from the University of Westminster.
In September 2009 he was included in T3's list of "100 most influential people in technology": http://tech100.t3.com/list/80-61/.
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This document discusses the characteristics of the "M-Age" generation, born since 1997, who have grown up immersed in mobile technology. They comprise 24% of the UK population by 2018. As "digital natives", they are self-directed learners who prefer learning by doing and figuring things out through social interaction. They are highly aware of both the benefits and risks of technology like the internet and understand the need to verify information. Companies will need to understand their skills and relationship to an increasingly mobile-centric internet in order to effectively engage with this demographic.
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Echelon Ignite Thailand Keynote : The Mobile Road
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1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
Tdasx: Interpreting the 2024 Cryptocurrency Market Funding Trends and Technol...
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Enhanced metrics to measure the Regulatory impact
A proposal to enhance metric used when calculating business compliance costs
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
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13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
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- 1. fintech | chatbots | enterprise software | web&mobile Maja Schaefer maja@codeheroes.io http://meet.codeheroes.io Challenges in designing financial solutions for Generation Z
- 2. DOSH An intuitive application addressed to teenagers with a virtual prepaid card, money transfers to a telephone number, simple mechanisms for borrowing small amounts of money and sharing bills.
- 3. What is Generation Z?
- 5. What does it mean?
- 7. Kurt Cobain death - 1994
- 8. Windows 98
- 9. Poland in NATO - 1999
- 10. Poland in UE - 2004
- 11. iPhone - 2007
- 12. Nasza Klasa - 2007
- 13. Parents
- 14. So… How to design financial systems for them?
- 15. They do not know the world without a technology
- 18. Financial independence? No, thanks.
- 20. They have their own slang
- 22. They have problem with Face-to-Face communication
- 24. They need a social acceptance
- 28. Generation Z has an additional sense - “fake detector”
- 34. Just talk
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