There is a fundamental shift occurring due to digital disruption in the financial services industry. Large banks are spending upwards of $500 million a year on mobile alone, global fintech investment grew 201% between 2013 and 2014 and up to half of the world’s banks will disappear through the cracks caused by digital.
Accenture believes with all of these changes, combined with deleveraging and squeezed margins, 30 percent of traditional banking revenues will be at risk by 2020. Now the only way for financial institutions to grow is to increase share of wallet by providing extraordinary value to customers and beating the competition.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Etude PwC : "Digital Banking Survey" (2014)PwC France
http://pwc.to/1jQNy0n
Le secteur bancaire ne doit cesser d'innover pour continuer de satisfaire les besoins de leurs clients au temps de la digitalisation. Retrouvez toutes les conclusions PwC sur ce sujet.
We surveyed 200+ employees in financial services. This is what we found... See results and suggestions that can help you improve your job at your bank or credit union.
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digita...Capgemini
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digital Channels was presented on 26 March 2015 at a webcast from Capgemini and American Banker. Topics include: Why customers are not using low cost digital channels to purchase banking products as much as banks would like; how some banks have succeeded in influencing customer preferences by adopting a more personal, human approach in their digital interactions; how banks can create opportunities to right-sell and cross-sell leveraging the latest innovations in customer engagement technology. Visit www.capgemini.com/odigoforbanks or www.capgemini.com/digitalbanking for more information.
Creating a Digital Banking Strategy - 01.23.15Calvin Turner
Today, the new buzzword in business is “Digital Strategy”. The problem, however, is that if you ask a group of business professionals to define "Digital Strategy" to you, depending on the industry, who you ask, and the ages of the respondents (yes, the generational perspective makes a difference), you will likely get a wide variety of different responses to that simple question. To illustrate this point, in a December 2014, Digital Banking research study published by Celent, when banking executives were asked what “Digital” means for them, they responded with a diverse – and sometimes inconsistent – set of answers. But invariably, mobile devices and social media are usually included somewhere in the answer. So, let's begin the discussion by clearing up a common misconception: an organization's Digital Strategy is NOT enabling/allowing customers to use mobile devices to communicate and conduct business. They are certainly components of a Digital Strategy, but the true definition of a Digital Strategy is much broader than that.
Challenges for the Future of Retail BankingDesignit
Digital transformation in retail banking is a thriving and complex phenomenon. We at Designit try to make sense of it by identifying leading trends in three deeply interdependent categories: new enabling technologies, new customer expectations, and new strategic trends. The future holds uncertainty and promise, but some immediate actions are patently necessary for banks that want to stay relevant in an increasingly dynamic scenario.
Digital Transformation is far beyond just moving from traditional banking to a digital world. It is a vital change in how banks and other financial institutions learn about, interact with and satisfy customers.
Bank of the future - Scenarios for online banking for millennialsEnhancers
Bank of the future is the outcome of a research and a concept design project we made for an Italian bank. This work was completed on the October 2013. It showcases the context, the customer journey and 5 developed scenarios (with related UX concept illustrated) related to a branchless bank that focus on the youngest generation of clients. On request of our client we developed also a prototype of one the 5 concepts. Even if we showcase just 5 of them, as you can notice from the customer journey we have much more in our portfolio.
Bob Tramontano, Director de Operaciones de Negocios de la Industria Financiera de NCR Corporation.
13° Congreso Internacional de Tecnología para el Negocio Financiero
Everyday Bank: A Journey to Digital TransformationBackbase
Accenture’s Senior Managing Director, Juan Pedro Moreno, shares the firm’s vision for banks in the digital age. During this free, one hour long webinar, Juan Pedro will highlight:
- How customer behavior has shaped a digital revolution for banks,
- How technology is blurring the boundaries that define customer service, and
- What threats and opportunities this emerging digital landscape presents for banks.
- Last but not least, he will go into the specific steps banks must take in order to become a successful Everyday Bank.
"Banks face a growing challenge from non-bank entities that are aggressively using digital innovations to take on functions traditionally part of banking. Think Amazon, which now offers loans to its merchants. Or the giant Alibaba, now the world’s largest payment provider. But banks have a huge competitive advantage in this digital world. With their vast digital data, payment know-how and deep understanding of compliance, security and financing, they are positioned to become an Everyday Bank, providing an unparalleled personalized customer experience that cannot be replicated by non-banks."
-- The Everyday Bank, Accenture.
Banking Services Marketing Automation and Omni-channel BankingShepHertz
Accelerate Digitization in banking by providing omni-channel customer experience using Predictive Analytics, Marketing Automation, Api Management with ShepHertz.
Wearables, payments, data, ROI, agility, non-traditional competitors, and more.
The 2015 landscape is heated. Account holders are demanding digital experiences that meet standards set by Amazon, Netflix, and Google. New entrants like Square and Apple are upending the payments industry, and wearables are set to add a new layer of devices to prepare for.
With so many competing priorities, how can your institution determine where to focus its efforts and budget?
View this presentation to learn what industry experts think banks and credit unions should focus on this year.
The API SlideShare for Bankers and Fintech ExecutivesMX
In this guidebook we’ll walk you through what you need to know about why APIs matter in today’s banking environment. First we’ll discuss the basics, then we’ll dive into details about what specific features you should look for when using a fintech provider’s API or when building your own.
Also download the official guidebook version of this presentation:
https://www.mx.com/api-guidebook
Etude PwC : "Digital Banking Survey" (2014)PwC France
http://pwc.to/1jQNy0n
Le secteur bancaire ne doit cesser d'innover pour continuer de satisfaire les besoins de leurs clients au temps de la digitalisation. Retrouvez toutes les conclusions PwC sur ce sujet.
We surveyed 200+ employees in financial services. This is what we found... See results and suggestions that can help you improve your job at your bank or credit union.
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digita...Capgemini
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digital Channels was presented on 26 March 2015 at a webcast from Capgemini and American Banker. Topics include: Why customers are not using low cost digital channels to purchase banking products as much as banks would like; how some banks have succeeded in influencing customer preferences by adopting a more personal, human approach in their digital interactions; how banks can create opportunities to right-sell and cross-sell leveraging the latest innovations in customer engagement technology. Visit www.capgemini.com/odigoforbanks or www.capgemini.com/digitalbanking for more information.
Creating a Digital Banking Strategy - 01.23.15Calvin Turner
Today, the new buzzword in business is “Digital Strategy”. The problem, however, is that if you ask a group of business professionals to define "Digital Strategy" to you, depending on the industry, who you ask, and the ages of the respondents (yes, the generational perspective makes a difference), you will likely get a wide variety of different responses to that simple question. To illustrate this point, in a December 2014, Digital Banking research study published by Celent, when banking executives were asked what “Digital” means for them, they responded with a diverse – and sometimes inconsistent – set of answers. But invariably, mobile devices and social media are usually included somewhere in the answer. So, let's begin the discussion by clearing up a common misconception: an organization's Digital Strategy is NOT enabling/allowing customers to use mobile devices to communicate and conduct business. They are certainly components of a Digital Strategy, but the true definition of a Digital Strategy is much broader than that.
Challenges for the Future of Retail BankingDesignit
Digital transformation in retail banking is a thriving and complex phenomenon. We at Designit try to make sense of it by identifying leading trends in three deeply interdependent categories: new enabling technologies, new customer expectations, and new strategic trends. The future holds uncertainty and promise, but some immediate actions are patently necessary for banks that want to stay relevant in an increasingly dynamic scenario.
Digital Transformation is far beyond just moving from traditional banking to a digital world. It is a vital change in how banks and other financial institutions learn about, interact with and satisfy customers.
Bank of the future - Scenarios for online banking for millennialsEnhancers
Bank of the future is the outcome of a research and a concept design project we made for an Italian bank. This work was completed on the October 2013. It showcases the context, the customer journey and 5 developed scenarios (with related UX concept illustrated) related to a branchless bank that focus on the youngest generation of clients. On request of our client we developed also a prototype of one the 5 concepts. Even if we showcase just 5 of them, as you can notice from the customer journey we have much more in our portfolio.
Bob Tramontano, Director de Operaciones de Negocios de la Industria Financiera de NCR Corporation.
13° Congreso Internacional de Tecnología para el Negocio Financiero
Everyday Bank: A Journey to Digital TransformationBackbase
Accenture’s Senior Managing Director, Juan Pedro Moreno, shares the firm’s vision for banks in the digital age. During this free, one hour long webinar, Juan Pedro will highlight:
- How customer behavior has shaped a digital revolution for banks,
- How technology is blurring the boundaries that define customer service, and
- What threats and opportunities this emerging digital landscape presents for banks.
- Last but not least, he will go into the specific steps banks must take in order to become a successful Everyday Bank.
"Banks face a growing challenge from non-bank entities that are aggressively using digital innovations to take on functions traditionally part of banking. Think Amazon, which now offers loans to its merchants. Or the giant Alibaba, now the world’s largest payment provider. But banks have a huge competitive advantage in this digital world. With their vast digital data, payment know-how and deep understanding of compliance, security and financing, they are positioned to become an Everyday Bank, providing an unparalleled personalized customer experience that cannot be replicated by non-banks."
-- The Everyday Bank, Accenture.
Banking Services Marketing Automation and Omni-channel BankingShepHertz
Accelerate Digitization in banking by providing omni-channel customer experience using Predictive Analytics, Marketing Automation, Api Management with ShepHertz.
Wearables, payments, data, ROI, agility, non-traditional competitors, and more.
The 2015 landscape is heated. Account holders are demanding digital experiences that meet standards set by Amazon, Netflix, and Google. New entrants like Square and Apple are upending the payments industry, and wearables are set to add a new layer of devices to prepare for.
With so many competing priorities, how can your institution determine where to focus its efforts and budget?
View this presentation to learn what industry experts think banks and credit unions should focus on this year.
The API SlideShare for Bankers and Fintech ExecutivesMX
In this guidebook we’ll walk you through what you need to know about why APIs matter in today’s banking environment. First we’ll discuss the basics, then we’ll dive into details about what specific features you should look for when using a fintech provider’s API or when building your own.
Also download the official guidebook version of this presentation:
https://www.mx.com/api-guidebook
In an age of consumer choice, anything that hints of hurting the account holder is a big mistake. If consumers think that you’re out to get them, you’ll lose their loyalty (and the revenue they bring). As proof, we surveyed 504 random US consumers about their banking experiences and found several data points that support the idea that advocacy is critically important. We put those stats — as well as quotes from industry analysts — in this presentation.
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Going Digital: What Banking Leaders Need to KnowCognizant
To compete in the digital era, banks need to embrace data, put customers first and manage organizational change -- three concepts, one payoff. Here's how your bank can put it all together.
Smarter campaign management engaging customers at point of maximum impactHolger Kyas
Abstract: In today’s data driven world, C2B organizations need to be innovative marketing leaders to succeed and create meaningful customer experiences. Companies who excel at this are using advanced analytics and “science fueled creativity” to engage their customers at the point of maximum impact. Hear from advanced analytics experts and leaders from Hilton Grand Vacations, Prolifics and IBM on how they are using intelligence to deliver smarter campaigns to positively affect their bottom line.
Explore the evolving trends in banking. Consumers’ values and expectations of their bank are evolving, stemming from a new generation of buyers and the rise of disruptive fintechs helping people to reimagine how banking could - and should - be.
Simpler, Smarter and Safer. How Banks are Driving the Next-Gen Customer Exper...Precisely
Find out how Jenius Bank is leveraging data to reinvent its customers financial lives
Recent research has shown that only 37% of organizations have a well-developed enterprise data strategy that enables high quality, data-driven, and personalized CX.
During this session, Jenius Bank’s Head of Product, Andrew Harris will share their strategy on how they will use data and real-time customer communication technologies to enhance their customer’s experience, and truly change the dynamic of their customers financial lives.
During this virtual event we will discuss:
- The Benefits of Anytime, Anywhere Interactions
- The value of Real-Time Communications as Part of an Omnichannel CX Strategy
- How Jenius Bank Integrates Real-Time Engagement into their Customer Communication Strategy
Digital Transformation of U.S. Private BankingCognizant
U.S. private banks need to rethink their business models and accelerate their push to meet the ever-rising expectations of digitally savvy high-net-worth clients.
Family Finances - Product portfolio 2018Ferenc Muck
Family Finances is a hungarian fintech startup offers easy-to-implement mobile solutions that are all design-driven and research-based. We also offer end-to-end research, design and implementation services.
Despite a sluggish economic recovery, Americans continue to shell out ever-growing amounts during high-spending times of the year. Take, for example, the record $4.7 billion consumers spent on movie tickets during the summer of 2013 and their total holiday purchases, which have been climbing steadily since 2010 after a two-year drop. During the run-up to these free-spending periods, companies put in many long hours devising sales strategies to maximize consumer engagement and ROI. Consumers plan ahead, too, relying on friends, family, social media and mobile devices to research products, land the best deals and discover the ultimate customer experience.
During these times, loyalty programs take center stage – not just in the retail sector but also in financial services. And some exciting recent developments have helped financial services loyalty programs turn the image of the faceless, unresponsive bank into one that is driving genuine customer engagement year-round, including:
• The evolving importance of Big Data and its accumulation and analysis beyond traditional loyalty metrics. Financial services, like other verticals, are learning to cater holistically to customers. What can a brand learn about program members outside of how they shop, what they buy and how they interact with their financial institution? How does their lifestyle impact their loyalty experience?
• The growing need for FIs to get moving on mobile while attracting, engaging and retaining Millennials – a generation poised for significant spending power, but whose loyalty remains up for grabs. Banks need to be where their customers are and increasingly that means offering them an on-the-go experience that is seamless, intuitive and fun.
• The fundamental rethinking of how a customer’s predicted long-term economic value – commonly known as customer lifetime value (CLV) – is determined. FIs must embrace CLV as the total amount customers could spend over time if properly engaged, with transactional barriers removed.
These trends – and additional insights – are at the heart of the Kobie Quarterly Review: Financial Services edition. Its goal is simple: to educate readers about the evolving loyalty landscape in specific industries and where it’s heading. Our Quarterly Review also offers suggestions and analyses on how brands can improve their loyalty efforts, discussions on mobile technology and today’s two-way brand-consumer dialogue.
We hope the Kobie Quarterly Review: Financial Services edition broadens your appreciation for what loyalty programs are all about - a way for brands and customers to truly develop genuine relationships – relationships that can grow as robust as the most revered financial institutions.
Tell us what you think and keep the conversation going.
Michael Hemsey, President
Kobie Marketing
In the end, the best customer experience wins, no matter who makes it - v.2Helge Tennø
Customer Experience is merging communication with business, helping companies develop new customers and new revenue streams. In this talk we look at what customer experience is, how it should work and what lies in store for its future.
While traditional banks contend with inflexible legacy IT systems, the transformational ones deploy Agile methods to significantly reduce their time to value and make the organization more flexible as a whole.
Transformation is difficult and digital transformation is even harder.
The Rising Importance of CX in Financial ServicesCX Pilots
Financial institutions, including banks, insurance companies, investment/lending houses and mortgage brokers need to focus on customer experience now more than ever. This is the approach they need to take bring customer success to the forefront.
Similar to Traditional PFM Is Dead. Welcome to the New World of Digital Money Management (20)
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
10. “We need to reimagine how banks can
truly enrich customers’ lives.”
- BRADLEY LEIMER, HEAD OF INNOVATION, SANTANDER BANK U.S.
11. Banks and creditBanks and credit
unions are recognizingunions are recognizing
the importancethe importance
of financialof financial
empowerment.empowerment.
12. On a macro level, America
needs help.
Total student loan debt is now worth
over $1 trillion
Healthcare costs are soaring
62% of Americans do not have an
emergency fund to cover even
minor calamities
13. Americans are trying toAmericans are trying to
manage their finances,manage their finances,
but they're not usingbut they're not using
the best methods.the best methods.
14. 82% of consumers keep track of
their finances in some way, but
over half do it through pen and
paper (36%) or in their head (18%)!
15.
16. Financial institutionsFinancial institutions
need to be at the heartneed to be at the heart
of helping consumersof helping consumers
manage their financialmanage their financial
lives better.lives better.
17.
18. This is the futureThis is the future
banking model!banking model!
19. “If you provide account holders with
insight, recommendations, and
advice, you build trust.”
-MARK SCHWANHAUSSER, DIRECTOR OF OMNICHANNEL
FINANCIAL SERVICES, JAVELIN STRATEGY & RESEARCH
22. First of all,First of all,
traditional PFM hastraditional PFM has
been hidden away,been hidden away,
deep into a tab.deep into a tab.
That means account holders
can’t find it!
25. This means that if the single
connection to the data provider
breaks, the account holder must
wait days, weeks, or even months
for their account and transactions
to update!
32. If you’ve ever used standard PFM
solutions on the web, you know the
pain of poor categorization.
33. Here is how two well known
traditional PFM providers perform:
34. Fifth, the user hasFifth, the user has
to do too muchto do too much
work themselves.work themselves.
35. If users have to set their own
budget amounts or do multiple
calculations to see how their
finances are tracking for the
month, they are not going to use
that PFM product.
36. “For the most part, a person’s
objective in decision making is to
arrive at the best possible decision
outcome with the least possible
effort.”
-COLLEEN ROLLER, VP OF USABILITY ENGINEERING /
DECISION ARCHITECTURE, BANK OF AMERICA
37. Lastly, PFM has failedLastly, PFM has failed
because of unimaginativebecause of unimaginative
user experience.user experience.
38. “Most financial service UIs are based on
an accounting paradigm, which is not
surprising since that is how we are all
trained to think about our finances.”
-MOHAMMAD KHALIL, HEAD OF PRODUCT,
DATA & MARKETING, MOVEN
39. So how is digitalSo how is digital
money managementmoney management
(DMM) different?(DMM) different?
40. “Over time, we believe money
management will become not
just a feature of digital banking
but digital banking itself.”
-FORRESTER RESEARCH
41. According to Mapa research, many
PFM solutions globally are similar.
In the examples that stood out,
what was most distinctive was the
ability to facilitate integration and
increase both intuition and
engagement.
42. With us so far? ;) Here’sWith us so far? ;) Here’s
what account holderswhat account holders
are looking for in DMM.are looking for in DMM.
43. A simple, personal and
convenient experience
that is secure and works
A way to monitor all
accounts in one place
45. DMM best practice #1:DMM best practice #1:
A simple, personalA simple, personal
and convenientand convenient
experience that isexperience that is
secure and workssecure and works
46. “Our emphasis has been rethinking
financial service UIs to accommodate
new paradigms that are eerily
familiar. These paradigms attempt to
simplify complex data or processes
into highly consumable interactions
that are intuitive to the user.”
-MOHAMMAD KHALIL, THE HEAD OF PRODUCT,
DATA & MARKETING AT MOVEN
47. DMM best practice #2:DMM best practice #2:
A way to monitor allA way to monitor all
accounts in one placeaccounts in one place
48. Celent Research found that 75
percent of account holders said
that the ability to view all their
finances in one place was “highly
valuable.”
49.
50. DMM best practice #3:DMM best practice #3:
Anywhere, anytimeAnywhere, anytime
accessaccess
52. DMM best practice #4:DMM best practice #4:
View-it-and-do-itView-it-and-do-it
functionalityfunctionality
53. Consumers want clear, concise
insights where they can see how
their finances are tracking and then
easily be able to take action from it.
54. -RICK CLAYPOOLE, DIRECTOR, RETAIL PRODUCT
MANAGEMENT AND MARKETING AT CADENCE BANK
"It has to be a very elegant solution
that makes it very easy for clients to
get smart about their financial
lives."
55. DMM best practice #5:DMM best practice #5:
Shift from historical toShift from historical to
predictive and advice-predictive and advice-
driven datadriven data
56. “Banks traditionally provide historic
data, such as last month’s bank
statement. We on the other hand will
use forward-looking data, such as
next month’s bank statement.”
-ANTHONY THOMSON, THE FOUNDER AND
CHAIRMAN OF ATOM BANK
57.
58. Now that you know whatNow that you know what
a great DMM experiencea great DMM experience
looks like, it’s time tolooks like, it’s time to
understand how to getunderstand how to get
the most out of it!the most out of it!
59. 4 steps to DMM success:
Tighter integration
Ongoing staff training
Continuous feedback
Better marketing and education
60. DMM success tip #1:DMM success tip #1:
Tighter integration ofTighter integration of
DMM into homepageDMM into homepage
and out of a tab leadsand out of a tab leads
to higher engagementto higher engagement
61. MACU Case Study:
40% adoption: After switching from PFM to
DMM, adoption skyrocketed.
2x external accounts added daily: Once digital
money management was integrated into the
homepage, the number of external accounts
added daily more than doubled.
62. DMM success tip #2:DMM success tip #2:
Better marketingBetter marketing
and educationand education
63. “The marketing materials were
crucial in making Clarity [the name
they gave their DMM white-label
product] part of our brand... it
significantly helped our adoption
rate and increased word of mouth.”
-RACHAEL SCHWARTZ, ELECTRONIC MARKETING
SPECIALIST OF FARMERS BANK & TRUST
64.
65. Created an advertising campaign through
various marketing channels, including in the
sidebar next to the customers' transactions
Used instructional videos to explain
the product's benefits
In order to increase adoption,
Farmers Bank & Trust
66. Integrated the product into online banking,
making the enrollment process easy
Helped users auto-populate their budgets
Created iPad prize draws to encourage
users to log in and use it
67. DMM success tip #3:DMM success tip #3:
Ongoing staff trainingOngoing staff training
68. “The most effective training inspires
employees to use the money
management solution for themselves.”
-ERIN CALDWELL, TRAINING DIRECTOR, MX
69. DMM success tip #4:DMM success tip #4:
Continuous feedbackContinuous feedback
70. “Société Générale in France ... not only solicits ideas
from customers but also asks for their feedback on
new developments and asks them to vote to prioritize
different improvements.”
-FORRESTER RESEARCH
71. And finally… howAnd finally… how
successful hassuccessful has
DMM been?DMM been?
Check out the andMACU case study here
the Insight and Target case study here.
72. Empowering your account holders' financial
lives through digital money management
Learn more at MX.com
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