Implementing and Monetizing Solar & Storage ApplicationsCapgemini
Learn the biggest challenges faced by utilities and equipment manufacturers in the solar and energy storage value chain. This presentation covers those challenges with the help of case studies. You will also find recommendations to adapt to this new environment and in particular build the required digital platform.
Top-10 Trends in Property & Casualty Insurance: 2018Capgemini
Emerging technologies are transforming every aspect of the insurance business. Property and casualty insurers are adapting InsurTech capabilities to be more customer-centric, to optimize costs, and to improve operational efficiency. Transformational moves by P&C insurers include the use of connected devices to mitigate risk, exploring new business models, value chain process automation across using Artificial Intelligence (AI) and Robotic Process Automation (RPA), and blockchain (distributed ledger) technology. They are also leveraging drones for efficient property assessment, Application Programming Interfaces (APIs) for seamlessly integrating with other stakeholders, and advanced analytics to provide personalized offerings and improve underwriting operations. Most of the Insurers prefer to collaborate with InsurTech firms for inculcating InsurTech capabilities and for quick deployment and efficient maintenance of the new systems, they are focusing on a cloud-native approach.
Speakers:
Rich Lyons, Head of Digital Customer Experience at Capgemini in North America.
Shaun Lee Lewis, Vice President Marketing and Direct to Consumer at NYDJ Apparel.
Salesforce’s multi-Cloud ecosystem empowers businesses to drive engagement across three Salesforce Clouds: Commerce, Marketing and Service. Capgemini’s portfolio of accelerated offerings delivers integrated, innovative online experiences and has helped NYDJ reach unprecedented growth with this approach. In this session, Capgemini and NYDJ discuss the power of an integrated digital strategy.
Connected Autonomous Planning: a continuous touchless model enabling an agile...Capgemini
Phil Davies, Head of Consumer Products, Retail and Distribution, Capgemini Invent and Michael McCullough, Supply Chain Lead, Capgemini US discussed “How using Intelligent Automation drives a step change in planning effectiveness and efficiency” at Kinexions 2019, the annual destination for users and supply chain innovators to showcase how to accelerate innovation, shorten time-to-value and maximize competitive advantage.
Capgemini’s Connected Autonomous Planning is a holistic approach to develop touchless planning solutions that creates a more easily automated, agile and responsive supply chain to support the needs of the future consumer and channels.
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA CloudCapgemini
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA Cloud: More agility, More innovation, More time-to-Value and Quicker Payback with Capgemini and SAP 2tier Strategy
Wealth management is facing significant disruption on two fronts – customer experience and digital transformation. To effectively succeed within these turbulent times, understanding client demographics and expectations is essential. Firms can leverage deep customer insights to grasp their clients’ changing ethos and develop solutions accordingly. Improved customer satisfaction often drives competitive advantage. As firms prioritize superior customer experience, they are adopting intelligent solutions such as analysis of consumer sentiments to deliver hyper-personalized services. Firms are also leveraging artificial intelligence (AI) and machine learning (ML) techniques to improve client-advisor relationships. To innovate, especially within legacy infrastructures, organizations must embrace open APIs to scale technology capability with support from WealthTech newcomers and third-party vendors that offer generic and customizable API-based platforms. Regulations such as the EU’s General Data Protection Regulation (GDPR) and know your customer (KYC) mandates are pushing firms to ramp up cybersecurity and automate cumbersome client onboarding processes, in a data-driven compliance scenario.
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.
In light of BigTech’s potential entry into wealth management, it is critical for established firms to anticipate evolving customer preferences and demands to stay competitive. Leveraging deep customer insights offers a competitive edge when it comes to designing products and services. Artificial intelligence (AI) is becoming an increasingly useful tool in the development of Intelligent Solutions for both front- and back-end wealth management operations, which can improve customer engagement. In pursuit of new revenue streams, wealth firms are partnering with third-party developers and FinTechs to create open API-based plug-and-play services. Data-driven compliance will help to ensure regulatory risk management while also driving firm goals, profitability, and reputation.
Implementing and Monetizing Solar & Storage ApplicationsCapgemini
Learn the biggest challenges faced by utilities and equipment manufacturers in the solar and energy storage value chain. This presentation covers those challenges with the help of case studies. You will also find recommendations to adapt to this new environment and in particular build the required digital platform.
Top-10 Trends in Property & Casualty Insurance: 2018Capgemini
Emerging technologies are transforming every aspect of the insurance business. Property and casualty insurers are adapting InsurTech capabilities to be more customer-centric, to optimize costs, and to improve operational efficiency. Transformational moves by P&C insurers include the use of connected devices to mitigate risk, exploring new business models, value chain process automation across using Artificial Intelligence (AI) and Robotic Process Automation (RPA), and blockchain (distributed ledger) technology. They are also leveraging drones for efficient property assessment, Application Programming Interfaces (APIs) for seamlessly integrating with other stakeholders, and advanced analytics to provide personalized offerings and improve underwriting operations. Most of the Insurers prefer to collaborate with InsurTech firms for inculcating InsurTech capabilities and for quick deployment and efficient maintenance of the new systems, they are focusing on a cloud-native approach.
Speakers:
Rich Lyons, Head of Digital Customer Experience at Capgemini in North America.
Shaun Lee Lewis, Vice President Marketing and Direct to Consumer at NYDJ Apparel.
Salesforce’s multi-Cloud ecosystem empowers businesses to drive engagement across three Salesforce Clouds: Commerce, Marketing and Service. Capgemini’s portfolio of accelerated offerings delivers integrated, innovative online experiences and has helped NYDJ reach unprecedented growth with this approach. In this session, Capgemini and NYDJ discuss the power of an integrated digital strategy.
Connected Autonomous Planning: a continuous touchless model enabling an agile...Capgemini
Phil Davies, Head of Consumer Products, Retail and Distribution, Capgemini Invent and Michael McCullough, Supply Chain Lead, Capgemini US discussed “How using Intelligent Automation drives a step change in planning effectiveness and efficiency” at Kinexions 2019, the annual destination for users and supply chain innovators to showcase how to accelerate innovation, shorten time-to-value and maximize competitive advantage.
Capgemini’s Connected Autonomous Planning is a holistic approach to develop touchless planning solutions that creates a more easily automated, agile and responsive supply chain to support the needs of the future consumer and channels.
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA CloudCapgemini
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA Cloud: More agility, More innovation, More time-to-Value and Quicker Payback with Capgemini and SAP 2tier Strategy
Wealth management is facing significant disruption on two fronts – customer experience and digital transformation. To effectively succeed within these turbulent times, understanding client demographics and expectations is essential. Firms can leverage deep customer insights to grasp their clients’ changing ethos and develop solutions accordingly. Improved customer satisfaction often drives competitive advantage. As firms prioritize superior customer experience, they are adopting intelligent solutions such as analysis of consumer sentiments to deliver hyper-personalized services. Firms are also leveraging artificial intelligence (AI) and machine learning (ML) techniques to improve client-advisor relationships. To innovate, especially within legacy infrastructures, organizations must embrace open APIs to scale technology capability with support from WealthTech newcomers and third-party vendors that offer generic and customizable API-based platforms. Regulations such as the EU’s General Data Protection Regulation (GDPR) and know your customer (KYC) mandates are pushing firms to ramp up cybersecurity and automate cumbersome client onboarding processes, in a data-driven compliance scenario.
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.
In light of BigTech’s potential entry into wealth management, it is critical for established firms to anticipate evolving customer preferences and demands to stay competitive. Leveraging deep customer insights offers a competitive edge when it comes to designing products and services. Artificial intelligence (AI) is becoming an increasingly useful tool in the development of Intelligent Solutions for both front- and back-end wealth management operations, which can improve customer engagement. In pursuit of new revenue streams, wealth firms are partnering with third-party developers and FinTechs to create open API-based plug-and-play services. Data-driven compliance will help to ensure regulatory risk management while also driving firm goals, profitability, and reputation.
The Capital Markets industry is ripe for disruption as participants cope with increasing competition and a stricter regulatory environment. Ecosystem firms are leveraging emerging technologies to support their transition to new and differentiating business/operating models that will enable efficiency efforts and profitability goals. However, rapid transformation also introduces the potential for significant security threats to critical components of the capital markets industry. This report explores the top-10 trends that industry participants will face in 2018 and beyond.
Capgemini presentation: gamification and the digital advantageBen Gilchriest
Presentation from a recent, joint Capgemini - Badgeville event in Sydney, Australia on the role of enterprise gamification in digital transformation.
Over-hyped or duly justified, enterprise gamification - the use of game design techniques to a business setting to make tasks more fun and engaging - is gaining attention from business leaders. Two-thirds of digital transformation programs fail mainly due to behavioural, cultural, or skills challenges.
This content is from a presentation by Ben Gilchriest, Digital Transformation lead for Capgemini Australia, on the importance of digital transformation, the main challenges companies face in realising value from digital, and touches on how enterprise gamification can help organisations over-come these challenges to achieve a Digital Advantage.
Capgemini Australia's Digital Transformation practice, focused on helping our clients find, size and catalyse digital opportunities, and Badgeville, the #1 gamification and behaviour management platform, work in partnership to leverage innovative gamification techniques to accelerate digital transformation in major organizations by engaging, rewarding and motivating employees and customers.
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.
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.
ICGEB adopts UNiversePath on Microsoft AzureCapgemini
The intergovernmental organization ICGEB (International Centre for Genetic Engineering and Biotechnology) conducts innovative research in life sciences for the benefit of developing countries. In six months’ time, ICGEB moved to SAP S/4HANA 16.10 with SAP Fiori on Microsoft Azure, enabled by Capgemini's UNiversePath.
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.
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.
Isn’t it time you got married? Why subscription commerce is key to B2B success
Relationships underpin every business. In today’s always-on digital era, you can’t assume your customers will remain loyal – there are so many options, programs, and suppliers they can choose from for any range of needs. Aggressive disrupters are luring them away. Discover how Subscription Commerce can help preserve and grow your B2B business.
Speaker: Dave Harrelson, Capgemini
https://www.capgemini.com/events/sap-cx-live/
Speaker:
Mike Davidson, Executive Creative Director at Capgemini in North America.
With the right narrative, brands can speak to their consumers in ways that resonate and drive conversion. In this session, Capgemini DCX North America’s Executive Creative Director will explore trends and techniques to better connect the narratives from initial marketing efforts to a completed purchase. We'll also provide examples of who's using these techniques and how, so attendees can leverage it in a meaningful way.
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.
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.
The Capital Markets industry is ripe for disruption as participants cope with increasing competition and a stricter regulatory environment. Ecosystem firms are leveraging emerging technologies to support their transition to new and differentiating business/operating models that will enable efficiency efforts and profitability goals. However, rapid transformation also introduces the potential for significant security threats to critical components of the capital markets industry. This report explores the top-10 trends that industry participants will face in 2018 and beyond.
Capgemini presentation: gamification and the digital advantageBen Gilchriest
Presentation from a recent, joint Capgemini - Badgeville event in Sydney, Australia on the role of enterprise gamification in digital transformation.
Over-hyped or duly justified, enterprise gamification - the use of game design techniques to a business setting to make tasks more fun and engaging - is gaining attention from business leaders. Two-thirds of digital transformation programs fail mainly due to behavioural, cultural, or skills challenges.
This content is from a presentation by Ben Gilchriest, Digital Transformation lead for Capgemini Australia, on the importance of digital transformation, the main challenges companies face in realising value from digital, and touches on how enterprise gamification can help organisations over-come these challenges to achieve a Digital Advantage.
Capgemini Australia's Digital Transformation practice, focused on helping our clients find, size and catalyse digital opportunities, and Badgeville, the #1 gamification and behaviour management platform, work in partnership to leverage innovative gamification techniques to accelerate digital transformation in major organizations by engaging, rewarding and motivating employees and customers.
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.
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.
ICGEB adopts UNiversePath on Microsoft AzureCapgemini
The intergovernmental organization ICGEB (International Centre for Genetic Engineering and Biotechnology) conducts innovative research in life sciences for the benefit of developing countries. In six months’ time, ICGEB moved to SAP S/4HANA 16.10 with SAP Fiori on Microsoft Azure, enabled by Capgemini's UNiversePath.
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.
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.
Isn’t it time you got married? Why subscription commerce is key to B2B success
Relationships underpin every business. In today’s always-on digital era, you can’t assume your customers will remain loyal – there are so many options, programs, and suppliers they can choose from for any range of needs. Aggressive disrupters are luring them away. Discover how Subscription Commerce can help preserve and grow your B2B business.
Speaker: Dave Harrelson, Capgemini
https://www.capgemini.com/events/sap-cx-live/
Speaker:
Mike Davidson, Executive Creative Director at Capgemini in North America.
With the right narrative, brands can speak to their consumers in ways that resonate and drive conversion. In this session, Capgemini DCX North America’s Executive Creative Director will explore trends and techniques to better connect the narratives from initial marketing efforts to a completed purchase. We'll also provide examples of who's using these techniques and how, so attendees can leverage it in a meaningful way.
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.
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.
Digital is fundamentally changing the face of insurance. Opportunities and threats abound; yet, the vast majority of the value remains untapped. To become a digital insurer, IT leaders must focus on helping their organizations tackle three key priorities with unprecedented speed.
Discover how to deliver new products like an InsurTech. Join our webinar featuring Celent Analyst Craig Beattie: http://ww2.mendix.com/Digital-Insurer-Webinar.html?utm_content=buffer3e366&utm_medium=social&utm_source=SlideShare&utm_campaign=insurance-10-16
Being Digital, Fast-forward to the Right Digital Strategy Fabio Mittelstaedt
Do my Company have the right Digital Strategy? Is it compelling enough to beat my competitors? Or to conquer the new digital customers from millenniums to baby boomers? Competing in a world shaped by digital technologies requires a fundamentally different approach to how strategies are developed and executed. 55% of business leaders admit that they do not yet have an enterprise-level digital strategy to support their corporate strategy. But there is a difference between developing some digital capabilities or being a digital lead in your industry. Digital disrupts business strategy. Business leaders must consider a new strategic approach.
Top-10 Technology Trends in Retail Banking: 2018Capgemini
The proliferation of technology and entry of new players such as FinTechs continues to disrupt the retail banking industry. Augmenting customer experience has been the need of the hour as customers increasingly adopt digital products and services. In pursuit of more nimble processes and innovative approaches, traditional retail banks are enthusiastically investing in digital transformation and FinTech collaboration. With banks under pressure to boost revenues and reduce costs, while delivering better customer experience, they have been investing in emerging technologies such as blockchain, Artificial Intelligence, and Digital IDs. Moreover, banks are automating their processes and increasingly migrating their infrastructure and applications to the cloud to create a seamless customer journey. Many regulations and open-banking initiatives are emerging across the globe aimed at fostering innovation. To stay competitive, banks must remain cognizant of numerous implications from within and from outside the financial services industry. This report explores and analyzes the most high-impact tech trends expected to drive future retail banking ecosystem dynamics.
MindK offers web and mobile app development, quality assurance, and DevOps services. Over the past decade, MindK has developed over 120 complex B2B and B2C solutions in the e-commerce, financial services, and construction sectors. Our coordinated teams include project managers, developers, designers, DevOps, and QA engineers. At MindK, our goal is to help clients accelerate growth and innovation, boost operational efficiency and improve profitability and customer satisfaction.
Our passion for technology and years of experience in the IT industry is reflected in the professionalism of our team, enabling us to deliver predictable results that exceed expectation, accelerating our clients’ time to market and ensuring sustainable growth.
We are proud that:
Our average client relationship is 5 years
96% of our clients' projects have met deadlines
84% of our clients continue working with us on this very day and come back with new projects.
MindK footprint spreads globally and covers the following regions: USA, UK, EU, Norway, Australia, and Israel.
Reshaping Underwriting Landscape With Focussing On CX – WhitepaperIndusNetMarketing
80% of customers lost interest in buying life insurance due to the poor underwriting process. These top 3 strategic solutions are imperative to enhance CX.
MSP Industry Brief - From Break / Fix to Recurring Revenue Madeline Titcomb
This industry brief highlights the industry and technology trends impacting MSPs now and in the future. It highlights ways for MSPs to take advantage of the cloud to create new revenue streams, address customer needs, and grow recurring
revenue for greater profitability and less volatility.
Search and Performance Insider Summit, Deer Valley, UT, Dec. 13, 2019 - 01:00 PM: Moving From Reporting to OptimizationGet more value out of your technology investments. Move your reporting from backward facing to insight generating.Presenter: AdamReitelbach, IndustryExpert,MerkleAdam is a long-time performance marketing veteran. He works with clients to define goals, build world class solutions, and exceed expectations. He has significant experience in the retail, travel, and B2B verticals.
Microsoft Dynamics 365 Customer Insights MasterclassCraig Ramsay
It’s impossible to build a thriving business without a complete understanding of your customer.
The session is designed to offer a practical guide to getting started with a Customer Data Platform (CDP).
Benefit from Kin + Carta’s 25+ years’ experience in harnessing data to build Single Customer Views and Customer Data Platforms, powering transformational CRM for brands such as Shell, Tesco Bank and Jaguar Land Rover.
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.
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.
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
The commercial banking industry faces daunting challenges. Operational costs continue to rise. Corporate clients seek convenience and personalized products and services. Cybersecurity is a major concern as more and more bank processes become digitalized. Compliance with wide-ranging open banking regulations is mandatory. The entry of BigTechs and other players is heating up competitive pressure. Therefore, it is essential for banks to transform and adapt to the changing business environment.
Read our Top Trends in Commercial Banking: 2020 report for analyses of the initiatives, new solutions, and trends expected to shape the commercial banking ecosystem in 2020 and beyond.
How to get off the white elephant of physical and leverage the true benefits ...Capgemini
In the modern world of immediacy, how do we kill latency whilst reducing business costs and delivering rapid value? Stuart Fleming (Vice President, Cloud Services,
Capgemini UK) provides insights into the successful implementation of a scalable hybrid cloud platform which allows quick access to AWS with a simple migration approach leveraging VMware’s tools.
Data Center of the Future: Designing a modernized, high performance computing...Capgemini
With cloud being hailed as the new black, customers are increasingly looking to easily leverage Hybrid Cloud and Hyper-Converged Architecture, without transformation in technology. At VMworld US 2019, Eric Killinger, Director, IT strategy, Capgemini NA, spoke about how Capgemini makes cloud run better by simplifying infrastructure for your existing landscape via a software-defined data center, supporting immediate OPEX savings, real-time data processing and cloud-based scalability and cost predictability, illustrating the joint success with VMware of such a rollout at Hydro One.
Enabling and accelerating multi-tenancy with Capgemini Digital Cloud Platform...Capgemini
For de-centralized organizations, multiple cloud instances and databases can drive up costs, limit scalability and maintainability, and prevent growth. In this session, you’ll learn how to enable and accelerate multi-tenancy for optimal performance and efficiency. You’ll hear lessons and best practices from Capgemini’s work implementing multi-tenancy at the infrastructure, platform, and application levels while ensuring seamless operation across any cloud environment thanks to Red Hat OpenShift. There will also be a discussion of how accelerators like Capgemini’s Digital Cloud Platform can cut time to market by up to 50%. Learn more: https://www.capgemini.com/service/cloud-services/cloud-native-powered-by-red-hat/
Capgemini 5G Observatory: The latest launches and use casesCapgemini
Capgemini Invent has created a 5G observatory that aims at summarizing what is happening around the world and providing highlights on key operator offers and vertical use cases. This first edition focuses on South Korea and USA commercial 5G launch, and 5G use cases in Healthcare and Media & Entertainment.
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.
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.
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.
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