SAS is a leader in analytics software and services. It helps customers at over 80,000 sites make better decisions faster through innovative analytics, business intelligence, and data management tools. SAS can uniquely enable activities around data discovery and deployment across the analytics lifecycle. It recently released SAS Viya, a new open platform built for analytics innovation that allows customers to execute analytics anywhere and access data from any system.
Is it sensible to use Data Vault at all? Conclusions from a project.Capgemini
The presentation focuses on the question “Is it sensible to use Data Vault at all?” The author outlines the impact of Data Vault on the architecture, the implementation and on the project.
A Reference Architecture for Digitalization in the Pharmaceutical IndustryCapgemini
A Reference Architecture for Digitalization in the Pharmaceutical Industry - Alina Chircu, Bentley University; Levent Sözer, Capgemini Germany; Eldar Sultanow, Capgemini Germany
INFORMATIK 2017
47. Jahrestagung der Gesellschaft für Informatik e.V. (GI) | 25.-29.9.2017 | Chemnitz
Workshop Enterprise Architecture Management in Forschung und Praxis
Building Reference Architectures for the Industrial IoTCapgemini
Building Reference Architectures for the Industrial IoT - Alina Chircu, Bentley University; Eldar Sultanow, Capgemini Germany
Workshop on Smart Manufacturing in Aerospace and Automotive Industries
AIS Special Interest Group for Big Data Application in Processes (SIGBD), AMCIS 2017, Boston, USA
Today there is tremendous pressure on organizations to improve customer service and supply chain efficiency while reducing IT costs. Moving applications to the cloud is an attractive option and is receiving a lot of attention.
Many organizations hear a lot about the cloud and its value but are unsure of what it truly means. The Capgemini Cloud Readiness Assessment provides a roadmap to guide customers on their cloud journey and helps them answer the following questions:
• What is the value to the organization of migrating to the cloud?
• What is the cost and the timeline to move to the cloud?
• What is the organization’s specific migration path to the cloud model?
• Which best practices should the organization adopt?
Presented by Jon Lundstedt, Oracle Cloud Market Development Executive, Capgemini, at Oracle OpenWorld 2016.
Capgemini Leap Data Transformation Framework with ClouderaCapgemini
https://www.capgemini.com/insights-data/data/leap-data-transformation-framework
The complexity of moving existing analytical services onto modern platforms like Cloudera can seem overwhelming. Capgemini’s Leap Data Transformation Framework helps clients by industrializing the entire process of bringing existing BI assets and capabilities to next-generation big data management platforms.
During this webinar, you will learn:
• The key drivers for industrializing your transformation to big data at all stages of the lifecycle – estimation, design, implementation, and testing
• How one of our largest clients reduced the transition to modern data architecture by over 30%
• How an end-to-end, fact-based transformation framework can deliver IT rationalization on top of big data architectures
Companies that understand how to overcome Data Gravity with a LiveData strategy stand to benefit the most from innovations in data and analytics. Others will continue to invest in legacy systems and data silos that fail to take advantage of distributed computing and the rapid pace of data product innovation on the cloud. This talk shares best practices our clients have taken to evolve their data architecture to become a LiveData company.
Heightened customer expectations for value-added services, increased competition from emerging FinTechs, new payments-enabling technologies, and an ever-changing regulatory landscape are driving the development of an open and collaborative payments ecosystem. Within this new environment, the traditional payments-processing intermediary function is anticipated to fade, as payment vendors consolidate or collaborate to stay relevant by opening their systems. Payment infrastructure will now require next-generation tools such as instant payments and distributed ledger technology to enhance customer experience. At the same time, alternate channels such as contactless payments and wearables continue to gain traction. However, an open and collaborative environment introduces vulnerabilities related to cybersecurity and data privacy. Industry stakeholders need to take measures to mitigate these risks. The report explores the top ten trends that are expected to impact the payments industry in the coming year.
Is it sensible to use Data Vault at all? Conclusions from a project.Capgemini
The presentation focuses on the question “Is it sensible to use Data Vault at all?” The author outlines the impact of Data Vault on the architecture, the implementation and on the project.
A Reference Architecture for Digitalization in the Pharmaceutical IndustryCapgemini
A Reference Architecture for Digitalization in the Pharmaceutical Industry - Alina Chircu, Bentley University; Levent Sözer, Capgemini Germany; Eldar Sultanow, Capgemini Germany
INFORMATIK 2017
47. Jahrestagung der Gesellschaft für Informatik e.V. (GI) | 25.-29.9.2017 | Chemnitz
Workshop Enterprise Architecture Management in Forschung und Praxis
Building Reference Architectures for the Industrial IoTCapgemini
Building Reference Architectures for the Industrial IoT - Alina Chircu, Bentley University; Eldar Sultanow, Capgemini Germany
Workshop on Smart Manufacturing in Aerospace and Automotive Industries
AIS Special Interest Group for Big Data Application in Processes (SIGBD), AMCIS 2017, Boston, USA
Today there is tremendous pressure on organizations to improve customer service and supply chain efficiency while reducing IT costs. Moving applications to the cloud is an attractive option and is receiving a lot of attention.
Many organizations hear a lot about the cloud and its value but are unsure of what it truly means. The Capgemini Cloud Readiness Assessment provides a roadmap to guide customers on their cloud journey and helps them answer the following questions:
• What is the value to the organization of migrating to the cloud?
• What is the cost and the timeline to move to the cloud?
• What is the organization’s specific migration path to the cloud model?
• Which best practices should the organization adopt?
Presented by Jon Lundstedt, Oracle Cloud Market Development Executive, Capgemini, at Oracle OpenWorld 2016.
Capgemini Leap Data Transformation Framework with ClouderaCapgemini
https://www.capgemini.com/insights-data/data/leap-data-transformation-framework
The complexity of moving existing analytical services onto modern platforms like Cloudera can seem overwhelming. Capgemini’s Leap Data Transformation Framework helps clients by industrializing the entire process of bringing existing BI assets and capabilities to next-generation big data management platforms.
During this webinar, you will learn:
• The key drivers for industrializing your transformation to big data at all stages of the lifecycle – estimation, design, implementation, and testing
• How one of our largest clients reduced the transition to modern data architecture by over 30%
• How an end-to-end, fact-based transformation framework can deliver IT rationalization on top of big data architectures
Companies that understand how to overcome Data Gravity with a LiveData strategy stand to benefit the most from innovations in data and analytics. Others will continue to invest in legacy systems and data silos that fail to take advantage of distributed computing and the rapid pace of data product innovation on the cloud. This talk shares best practices our clients have taken to evolve their data architecture to become a LiveData company.
Heightened customer expectations for value-added services, increased competition from emerging FinTechs, new payments-enabling technologies, and an ever-changing regulatory landscape are driving the development of an open and collaborative payments ecosystem. Within this new environment, the traditional payments-processing intermediary function is anticipated to fade, as payment vendors consolidate or collaborate to stay relevant by opening their systems. Payment infrastructure will now require next-generation tools such as instant payments and distributed ledger technology to enhance customer experience. At the same time, alternate channels such as contactless payments and wearables continue to gain traction. However, an open and collaborative environment introduces vulnerabilities related to cybersecurity and data privacy. Industry stakeholders need to take measures to mitigate these risks. The report explores the top ten trends that are expected to impact the payments industry in the coming year.
2nd PyData Piraeus meetup - Data Science Initiatives in Titan Cement CompanyPyData Piraeus
TITAN Group is an international cement and building materials producer aspiring to serve the needs of society, while contributing to sustainable growth with responsibility and integrity. During the era of Industry 4.0 Titan Group is investing in a Digital Transformation strategy with several Data Science projects being part of it. Alexandros Tsolkas will introduce us to Titan Group and its activities and he will give an overview on how we apply Data Science, from the data management to the way we collaborate with the industry experts. Panagiotis Ypsilantis will summarize the Supply Chain Advanced Analytics use cases in the cement industry (Demand Forecasting, Supply Network Optimization, Inventory Optimization) that currently are developed in Titan and he will present with more details the way that Titan optimizes its Spare Parts Inventory using forecasting and Monte Carlo simulation models. Finally, Ilias Panagoulias is going to describe the challenges and the results of the implementation of a Real Time Optimization platform in the cement process.
Lufthansa Reference Architecture for the OpenGroupCapgemini
The presentation describes the aviation reference architecture framework including the meta model and a domain overview.
Author of paper and presentation:
Kai Schröder, Carsten Brockmann and Eldar Sultanow from
Capgemini Germany and
Carsten Breithaupt and Christian Vollmer from Lufthansa
Defining a Digitalization Reference Architecture for the Pharma IndustryCapgemini
The rapid pace of technological advancement and an increasingly volatile business environment causes pharma industry players to face three main challenges. The first
challenge is to develop the critical ability to create and maintain a common view on the big picture of the organization’s architecture and environment. Linked to this is the challenge of making it decisible, which actions must be taken on strategical, business and technological level. The last challenge consists in identifying/considering the best
architectural approach and solution on a fine-grained level. This may include answer on question such as “Which approach we choose to implement a read replica in the cloud
(transactional replication using publish-subscribe between relational database systems, stream into a Redis Cache, …)?”
We develop a digitalization RA for pharma industry and incorporate three main areas, Internet of Things (IoT), Cognitive Computing (CC), and Augmented Reality (AR).
Digitalization is horizontally divisible into four sequentially arranged domains that can be understood as the stages of digitalization: Tag, Sense and Wire (1), Ingest (2), Analyze and Prepare (3), and Utilize (4). Technology components may be used across different industries. Applications developed and running in different industries may both interact or be integrated with each other and exchange data through these
industry-specific applications (cool chain monitoring while transportation, healthcare research data for public, origination & distribution information for authorities). For this reason, our frame possesses a third dimension: connected industries (in pharma these include transportation & logistics and the public sector). This approach generates a big picture that transparently illustrates the pharma RA for digitalization including its stages, architecture layers and connections between building blocks across organizational boundaries and different industries.
Author of paper and presentation: Eldar Sultanow, Carsten Brockmann, Levent Sözer, Capgemini Germany
Driving change, leading with the SAP®ecosystemaccenture
Accenture’s 2021 Technology Vision for SAP Solutions explores five technology trends that enable SAP customers to chart a path to future growth. https://accntu.re/3vIvYoQ
This presentation is about integrating MS Dynamics NAV and MS Dynamics CRM in an easy and secure way using the SaaS based RapidiOnline Integration Platform.
View more on www.rapidionline.com
A well-publicised PwC report projects that by 2030, “smart automation” technologies could contribute up to 14% of global GDP (around 10% to UK GDP). It also believesthat the long-term net effect of automation on the economy will be positive. Thus, despite the above uncomplimentary words from a scientist whose work still drives our modern digital economy,the verdict is in – technologies like Robotic Process Automation (RPA) are here to stay.
DevOps took us from SysAdmins to DeployAdmins to improve availability but came with a tidal wave of tools and environments, leaving detecting anomalies and finding root cause a task for the overcrowded war-room of siloed experts.
Developers need to understand infrastructure, and operations needs to understand the SDLC.
The good news is AIOps can help!
Let’s look at what AIOps can realistically do for us, identify criteria for where to automate and lay out the stepping stones for achieving AIOps.
Blockchain: How the bitcoin technology can change the public sectorCapgemini
What is blockchain and how can blockchain be used for the public sector in Germany? These are the main questions which will be answered by this presentation and via a use case which the authors implemented prototypically.
By Christof Tinnes, Carmen Eisenacher and Phillip Pham, Capgemini Germany
2nd PyData Piraeus meetup - Data Science Initiatives in Titan Cement CompanyPyData Piraeus
TITAN Group is an international cement and building materials producer aspiring to serve the needs of society, while contributing to sustainable growth with responsibility and integrity. During the era of Industry 4.0 Titan Group is investing in a Digital Transformation strategy with several Data Science projects being part of it. Alexandros Tsolkas will introduce us to Titan Group and its activities and he will give an overview on how we apply Data Science, from the data management to the way we collaborate with the industry experts. Panagiotis Ypsilantis will summarize the Supply Chain Advanced Analytics use cases in the cement industry (Demand Forecasting, Supply Network Optimization, Inventory Optimization) that currently are developed in Titan and he will present with more details the way that Titan optimizes its Spare Parts Inventory using forecasting and Monte Carlo simulation models. Finally, Ilias Panagoulias is going to describe the challenges and the results of the implementation of a Real Time Optimization platform in the cement process.
Lufthansa Reference Architecture for the OpenGroupCapgemini
The presentation describes the aviation reference architecture framework including the meta model and a domain overview.
Author of paper and presentation:
Kai Schröder, Carsten Brockmann and Eldar Sultanow from
Capgemini Germany and
Carsten Breithaupt and Christian Vollmer from Lufthansa
Defining a Digitalization Reference Architecture for the Pharma IndustryCapgemini
The rapid pace of technological advancement and an increasingly volatile business environment causes pharma industry players to face three main challenges. The first
challenge is to develop the critical ability to create and maintain a common view on the big picture of the organization’s architecture and environment. Linked to this is the challenge of making it decisible, which actions must be taken on strategical, business and technological level. The last challenge consists in identifying/considering the best
architectural approach and solution on a fine-grained level. This may include answer on question such as “Which approach we choose to implement a read replica in the cloud
(transactional replication using publish-subscribe between relational database systems, stream into a Redis Cache, …)?”
We develop a digitalization RA for pharma industry and incorporate three main areas, Internet of Things (IoT), Cognitive Computing (CC), and Augmented Reality (AR).
Digitalization is horizontally divisible into four sequentially arranged domains that can be understood as the stages of digitalization: Tag, Sense and Wire (1), Ingest (2), Analyze and Prepare (3), and Utilize (4). Technology components may be used across different industries. Applications developed and running in different industries may both interact or be integrated with each other and exchange data through these
industry-specific applications (cool chain monitoring while transportation, healthcare research data for public, origination & distribution information for authorities). For this reason, our frame possesses a third dimension: connected industries (in pharma these include transportation & logistics and the public sector). This approach generates a big picture that transparently illustrates the pharma RA for digitalization including its stages, architecture layers and connections between building blocks across organizational boundaries and different industries.
Author of paper and presentation: Eldar Sultanow, Carsten Brockmann, Levent Sözer, Capgemini Germany
Driving change, leading with the SAP®ecosystemaccenture
Accenture’s 2021 Technology Vision for SAP Solutions explores five technology trends that enable SAP customers to chart a path to future growth. https://accntu.re/3vIvYoQ
This presentation is about integrating MS Dynamics NAV and MS Dynamics CRM in an easy and secure way using the SaaS based RapidiOnline Integration Platform.
View more on www.rapidionline.com
A well-publicised PwC report projects that by 2030, “smart automation” technologies could contribute up to 14% of global GDP (around 10% to UK GDP). It also believesthat the long-term net effect of automation on the economy will be positive. Thus, despite the above uncomplimentary words from a scientist whose work still drives our modern digital economy,the verdict is in – technologies like Robotic Process Automation (RPA) are here to stay.
DevOps took us from SysAdmins to DeployAdmins to improve availability but came with a tidal wave of tools and environments, leaving detecting anomalies and finding root cause a task for the overcrowded war-room of siloed experts.
Developers need to understand infrastructure, and operations needs to understand the SDLC.
The good news is AIOps can help!
Let’s look at what AIOps can realistically do for us, identify criteria for where to automate and lay out the stepping stones for achieving AIOps.
Blockchain: How the bitcoin technology can change the public sectorCapgemini
What is blockchain and how can blockchain be used for the public sector in Germany? These are the main questions which will be answered by this presentation and via a use case which the authors implemented prototypically.
By Christof Tinnes, Carmen Eisenacher and Phillip Pham, Capgemini Germany
The insurance industry is witnessing a slow but certain evolution due to disruptive technologies, external market forces, and their consequent impact on insurance business and operating models.
This Slideshare deck has the overview of the top 10 insurance trends that will be strategic for firms in the near term.
The wealth management industry around the world is witnessing a multitude of changes due to weak economies in the developed world, strong growth in developing markets like China and India, an uncertain political future in Europe, increasing regulatory supervision, and new competition from rising FinTechs and their innovative services for High Net Worth Individuals (HNWIs).
Our analysis in this paper revolves around the impact of the above mentioned dynamics on the industry players and how they are adapting through this phase of transformation.
Breaking Bad Data: The Journey to Data-fuelled Digital TransformationCapgemini
Jorgen Heizenberg explains how a business can harness data both from within and outside the organization to fuel its journey to digital transformation.
Presented at Informatica World 2016 by Jorgen Heizenberg, CTO Netherlands, Capgemini Insights & Data
Capgemini’s Data WARP: Accelerate your Journey to InsightsCapgemini
More data, more insights. Data is at the center of change and business value! There is no limit to volume, structure of timing. But more data brings more challenges, like cost of storage, increased complexity of the data architecture and a lack of agility. Many organizations are still faced with scattered data lying in silos across the organization. They often lack a clear business case for funding a transform of their data landscape. Or they suffer from ineffective co-ordination of Data and analytics initiatives. Finally, the dependency on legacy systems for data processing and management is still high. Data WARP (Wide Angle Rationalization Program) helps organizations improve the performance of their data & insights architecture landscape, by providing key deliverables like rationalization designs, business cases and transformation roadmap.
Presented at Informatica World 2016 by Jorgen Heizenberg, CTO- Netherlands, Capgemini Insights & Data
With the proliferation of technology, banking customers are living in a connected world with their experience from other industries influencing their expectations from their financial services provider. This has led to an evolving customer-bank relationship necessitating banks to be more customer-centric by embedding themselves in customers’ lives to meet rising customer experience expectations. However, banks have been facing challenges in meeting customer expectations, as they are troubled with legacy challenges both in terms of technology and culture. This document aims to understand and analyze the trends in the banking industry that are expected to drive the dynamics of the banking ecosystem in the near future.
We all know that consumer behavior has changed dramatically. How consumers engage with companies, do research and even purchase leaves a deluge of data that companies have never had. Those companies that can parse that data drive business results like never before. This session presentation at Dog Food Con 2016 helps you to learn how Big Data technology can drive business outcomes from data ingestion to cloud and talks about one company’s journey to Customer 360 and their decision process when moving to the cloud.
Objective: This is my first attempt to bring practical business insights on SAP’s Cloud for Analytics (C4A) platform and also demonstrating the key implementation steps to deploy analytics on cloud from concept to realization.
Goal: Empower mainstream enterprise users to develop self-servicing analytics, planning, budgeting & forecasting solutions on cloud using SAP BusinessObjects Cloud Computing Platform.
Vision: Make business to quickly realize the measurable business values of SAP BusinessObjects Cloud
Simplify SAP BusinessObjects Cloud Implementation
Reduce the Implementation Cost of SAP BusinessObjects Cloud Implementation
Make SAP BusinessObjects Cloud Implementation Processes as a Repeatable Processes
What would be the Best and Risk Free Path to Implement and Adopt Analytics on Cloud?
Cloud for Analytics is an evolving area, so the first step in implementing cloud for analytics would be learning the fundamentals and understanding the key concepts, framework, architecture and building blocks of cloud for analytics solution. The following section describes the required key steps to implement and adopt SAP's cloud for analytics solutions.
1. Molder2. Allocation3. Stories4. Digital Boardroom 5. Files6. Events7. Users8. Deployment9. Connection10. System
Datameer 6 is completely re-imagining the user experience for modern BI, helping you deliver new insights faster and more results to your data-hungry business. During this one-hour webinar, we demonstrated all that's new with Datameer 6 and how you can:
Discover answers to a new range of business questions using an iterative, exploratory approach
Find answers faster and deliver more insights with a new faster analytic workflow
Utilize Spark to speed analytic processing time without needing to know technical details
Watch this on-demand webinar, with special guest speaker, Sean Anderson, Senior Product Marketing Manager, from Cloudera, who discusses Cloudera's view of the Hadoop data processing stack and how the market place is benefiting from Spark.
Accelerate Your Big Data Analytics Efforts with SAS and HadoopDataWorks Summit
Analytics and machine learning continue to be the top use cases for deploying big data platforms such as Hadoop. SAS recognised the potential and power of Hadoop platform early on and has been integrating analytical solutions with Hadoop to leverage the power and flexibility of Hadoop for analytical workloads. The combination of SAS and Hadoop offers developers and organisations an approach that can accelerate the development and deployment of big data analytics applications that are mature, proven and scalable. Furthermore, by giving developers and analysts analytical applications that are rich, proven and collaborative, SAS allows more users across different skill levels to unleash the value of data stored in big data platform more easily and quickly.
In this session, we will cover common big data analytics use cases, the depth and breadth of SAS analytical capabilities on Hadoop, and how SAS solutions are integrated into the Hadoop ecosystem via technologies such as Hive, YARN and Spark.
Speaker
Felix Liao, SAS Institute Australia & New Zealand
Digital Transformation: Using Open Standards to Accelerate the JourneySriram Sabesan
Extract of slides used in the Webinar. This reflects our management consulting practice and how we use Open Group standards. We fill-in with public research from CISR, Stanford, and SABSA. Full recording available at : https://www2.opengroup.org/ogsys/catalog/D191
Although decision trees have been in development and used for over 50 years, many new forms are evolving that promise to provide exciting new capabilities in areas of Data Mining and Machine Learning.
Learn the importance and concept of Decision Tree Analysis and how one can analyse data.
SAP Data Hub e SUSE Container as a Service PlatformSUSE Italy
SAP Data Hub è una soluzione di integrazione, orchestrazione governance di dati di qualsiasi tipo, varietà e volume, che utilizza Kubernetes come piattaforma, ed è certificato su SUSE CaaS Platform
In questa sessione SAP e SUSE presentano una panoramica delle principali funzionalità e dei vantaggi dell’integrazione delle due soluzioni. (Nicola Bertini, SAP Italia e SUSE)
SAS Data Management for Analytics: potenzia le tue analisi e sostieni l’innov...SAS Italy
Ora più che mai le analisi di alta qualità richiedono dati di alta qualità! Con il crescente uso di molteplici e nuove fonti, come Hadoop e l'Internet of Things, i dati che fungono da combustibile per gli Analytics stanno seguendo una spirale ascendente in termini di varietà, volume e complessità nel mondo dei Big Data. Questa presentazione ti aiuterà a capire come la soluzione SAS Data Management può supportarti a migliorare la qualità dei tuoi dati e a ridurne i tempi di preparazione.
The new functionalities of KNOWAGE 8 allow to integrate advanced and increasingly personalized analyses in decision-making processes in a simple and rapid way.
#askSAP: Journey to the Cloud: SAP Strategy and Roadmap for Cloud and Hybrid ...SAP Analytics
www.sap.com/businessobjects-cloud. The momentum of customers moving to the SAP BusinessObjects Cloud is rapidly accelerating – and so are the innovations being introduced by SAP. New features and functionality for cloud and on premise with SAP BusinessObjects Enterprise offer hybrid use cases that organizations can take advantage of as they embark on their journey to the cloud. View the webinar reply at http://webinars.sap.com/asksap-webinar-series/en/home#section_3.
UKOUG Journey To The Cloud - March 2017Phil Wilkins
Presentation given at the UKOUG Journey to the Cloud event in London. It looks at the factors that should be considered when seeking to adopt cloud solutions. Whilst focusing on Oracle, much of this material can be adapted to any vendor.
Similar to Cwin16 tls-partner-sas new-open_analytics_platform (20)
COVID-19 heightened chronic challenges within the global healthcare industry. It became a catalyst amid fierce competition and tight regulations for health providers and payers to focus on digital health, cybersecurity, patient data transparency, and a variety of customer-centric and operational enhancements. As a result, we found the 2022 trendline pointing to improvements in access and quality of care.
Healthcare challenges such as optimizing the cost of care while simultaneously enabling personalized interventions and consumer-friendly shoppable services are long-standing − but, historically, the industry has been slow to react.
Read our Top Trends 2022 report to examine the lingering ramifications of the pandemic, responses from medical and insurance organizations, and the worldwide impact of ever-changing regulatory standards and mandates.
A combination of factors − the pandemic, catastrophic weather events, evolving policyholder expectations, and insurers’ drive for operational efficiency and future relevance − are sparking P&C industry changes.
In a post-COVID, new-normal environment, the most strategic insurers are building resilient, crisis-proof enterprises poised to take advantage of emerging and future business opportunities. They are leveraging advanced data analytics and novel technologies to assure agility and achieve positive revenue and customer satisfaction outcomes. Competitive advantage will hinge on accelerated digitalization and faster go-to-market. Therefore, win-win partnerships and embedded services with InsurTechs and other ecosystem players are critical.
Read Capgemini’s Top P&C Insurance Trends 2022 for a glimpse at the tactical and strategic initiatives carriers are undertaking to boost customer-centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future-readiness.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
As we slowly move out of the pandemic, financial services firms have learned the criticality of virtual engagement to business resilience. Wealth management firms will need capabilities to cater to new-age clients and deliver new-age services. This report aims to understand and analyze the top trends in the Wealth Management industry this year and beyond.
A year ago, our Top Trends in Wealth Management report emphasized how the pandemic sparked disruption and digital transformation and changing investor attitudes around Environmental, Social, and Corporate Governance (ESG) products. As we begin 2022, many of those trends continue to hold as COVID-19’s wide-reaching effects continue to influence the wealth management industry.
As wealth management (WM) firms supercharge their digital transformation journeys, investments in cybersecurity and human-centered design are becoming critical to building superior digital client experience (CX). Another holdover trend − sustainable investing – is gaining mainstream attention and generating increasingly sophisticated client demands. Data and analytics capabilities will become ever more essential for ESG scoring and personalized customer engagement. As large financial services firms refocus on their wealth management business while new digital players make industry strides, competition is becoming historically intense. Not surprisingly, client experience is the new battleground.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
While COVID-19 has sparked the demand for life insurance, it has also exposed the operating model vulnerabilities in distribution, servicing, and customer retention. In a post-COVID, new-normal environment, insurers need to enhance their capabilities around advanced data management and focus on seamless and secure data sharing to provide superior CX and hyper-personalized offerings. Accelerated digitalization and faster go-to-market are vital to remaining competitive, and win-win partnerships with ecosystems are critical in the journey.
Read our Top Life Insurance Trends 2022 to explore the tactical and strategic initiatives carriers undertake to acquire competencies around customer centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future readiness.
Property & Casualty Insurance Top Trends 2021Capgemini
The Property & Casualty insurance landscape is evolving quickly with the changing risk landscape, entry of new players, and changing customer expectations. The ripple effects of COVID-19 on the P&C insurance industry and natural disasters such as forest fires have adversely impacted insurance firm books.
In this scenario, to ensure growth and future-readiness, the most strategic insurers strive to be ‘Inventive Insurers’ – assuming a customer-centric approach, deploying intelligent processes, practicing business resilience and go-to-market agility, and embracing an open ecosystem.
Read our Property & Casualty Insurance Top Trends 2021 report to explore the strategies insurers are adapting to remain competitive amidst the evolving business landscape and how they can explore new ways to enhance their profitability.
A combination of factors such as demographic changes, evolving consumer preferences, and desire to become operationally efficient were already spurring changes in the life insurance industry. Enter 2020 – the COVID-19 pandemic is having a significant impact on the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry is adapting to the new normal.
Furthermore, COVID-19 has acted as a catalyst, pushing life insurers to prioritize their efforts on improving customer centricity, developing go-to-market agility, making processes intelligent, building business resilience, and embracing the open ecosystem.
Read our Life Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the changing market dynamics.
The uncertainty of 2020 is setting the global tone for the immediate future in the financial services industry. So it is no surprise banks are laser-focused on business resilience, emphasizing both financial and operational risks. The need to adapt quickly to new normal conditions through virtual customer engagement is clear.
Customer centricity continues to drive commercial banks’ solution designs. And, the pandemic compelled products that deliver immediate client value ‒ quick digital onboarding, seamless lending, and support for small and medium-sized enterprises (SMEs). The onus is now on banks to go to market more quickly, which requires the implementation of intelligent processes and integrating corporates’ enterprise resource planning (ERP) systems with banking workflows.
To achieve go-to-market agility, banks across the globe are investing in and collaborating with FinTechs. Many of these partnerships are focused on boosting digital lending and providing seamless support to anxious small-business clients in need of assurance.
With newfound impetus for FinTech collaboration, commercial banks have picked up their step on the path toward OpenX. COVID-19 made it evident that survival during turbulence is manageable through collaboration with ecosystem players.
Read our Top Trends in Commercial Banking 2021 report to explore the strategies banks are adapting to transform their businesses from a product-led, siloed model to an experiential and agile plan.
When we published the Top Trends in Wealth Management 2020, little did we foresee the pandemic that would sweep through the world and disrupt life as we knew it. Yet, when we reviewed last year’s trends, we found that many still hold and some have taken on even greater relevance. One such trend is sustainable investing, which had begun to gain prominence as investors became more aware of ESG considerations, and firms rolled out more sustainable investing offerings. Another trend that has accelerated in the post-COVID world is the importance of investing in omnichannel capabilities and technologies such as artificial intelligence (AI) to enhance personalization and advisor effectiveness. The pandemic has driven wealth management firms to accelerate their digital transformation journey, with some immediate focus areas being interactive client communications and digital advisor tools.
There is no denying that time is of the essence. Yes, budgets are tight, but the Open X ecosystem offers wealth management firms opportunities to reimagine their operating models and deliver excellent customer experience cost-effectively.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal.
Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem.
Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
Explore how Capgemini’s Connected autonomous planning fine-tunes Consumer Products Company’s operations for manufacturing, transport, procurement, and virtually every other aspect of the supply-value network in a touchless, autonomous way.
Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle.
Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.
Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity.
Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.
The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities.
Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.
Similar to other financial services domains, payments is evolving into an open ecosystem. The EU’s Payment Services Directive (PSD2) pioneered open banking by encouraging banks and established payments players to securely open the systems to foster competition, innovation, and more customer choices. In tandem with non-cash transaction growth, regulations are driving banks and payments firms to expand their array of payment methods and channels. Governments are encouraging financial inclusion by also promoting the adoption of non-cash payments. Increasingly, merchants and corporates seek to offer alternative payment systems because of widespread popularity among consumers. Alternative payments also enable merchants to provide real-time and cross-border payments to boost business efficiency.
Banks, payment firms, card firms, BigTechs, FinTechs, and other players are continuously developing new technology to cash in on market changes. However, data breaches and fraud continue to hinder innovation as firms devote countless resources each year to address security issues. Many governments are also designing new regulations to reduce ecosystem threats. All these measures are expected to make the current ecosystem much more secure and simple for players as well as customers.
Top Trends in Payments: 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond
This presentation, created by Syed Faiz ul Hassan, explores the profound influence of media on public perception and behavior. It delves into the evolution of media from oral traditions to modern digital and social media platforms. Key topics include the role of media in information propagation, socialization, crisis awareness, globalization, and education. The presentation also examines media influence through agenda setting, propaganda, and manipulative techniques used by advertisers and marketers. Furthermore, it highlights the impact of surveillance enabled by media technologies on personal behavior and preferences. Through this comprehensive overview, the presentation aims to shed light on how media shapes collective consciousness and public opinion.
Have you ever wondered how search works while visiting an e-commerce site, internal website, or searching through other types of online resources? Look no further than this informative session on the ways that taxonomies help end-users navigate the internet! Hear from taxonomists and other information professionals who have first-hand experience creating and working with taxonomies that aid in navigation, search, and discovery across a range of disciplines.
Sharpen existing tools or get a new toolbox? Contemporary cluster initiatives...Orkestra
UIIN Conference, Madrid, 27-29 May 2024
James Wilson, Orkestra and Deusto Business School
Emily Wise, Lund University
Madeline Smith, The Glasgow School of Art
0x01 - Newton's Third Law: Static vs. Dynamic AbusersOWASP Beja
f you offer a service on the web, odds are that someone will abuse it. Be it an API, a SaaS, a PaaS, or even a static website, someone somewhere will try to figure out a way to use it to their own needs. In this talk we'll compare measures that are effective against static attackers and how to battle a dynamic attacker who adapts to your counter-measures.
About the Speaker
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Diogo Sousa, Engineering Manager @ Canonical
An opinionated individual with an interest in cryptography and its intersection with secure software development.
This presentation by Morris Kleiner (University of Minnesota), was made during the discussion “Competition and Regulation in Professions and Occupations” held at the Working Party No. 2 on Competition and Regulation on 10 June 2024. More papers and presentations on the topic can be found out at oe.cd/crps.
This presentation was uploaded with the author’s consent.
Acorn Recovery: Restore IT infra within minutesIP ServerOne
Introducing Acorn Recovery as a Service, a simple, fast, and secure managed disaster recovery (DRaaS) by IP ServerOne. A DR solution that helps restore your IT infra within minutes.