A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Case study: DBS's digitalization in Southeast AsiaVarun Mittal
DBS Bank‘s internationalization strategy is built on the cornerstone of a customer-centric digital platform which goes beyond banking by focusing on the customer’s lifestyle and evolving needs. EY has been a proud collaborator to DBS in this journey, advising on the formulation of strategy for Indonesia.
Digital Trends in the Financial Services IndustryKL Daly
Reviewing trends in the financial services, this presentation looks at how brand repositioning, digital optimization, digital analysis and customer relationships can be used to help the financial services industry overcome disruption and set themselves up for success in the future.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Case study: DBS's digitalization in Southeast AsiaVarun Mittal
DBS Bank‘s internationalization strategy is built on the cornerstone of a customer-centric digital platform which goes beyond banking by focusing on the customer’s lifestyle and evolving needs. EY has been a proud collaborator to DBS in this journey, advising on the formulation of strategy for Indonesia.
Digital Trends in the Financial Services IndustryKL Daly
Reviewing trends in the financial services, this presentation looks at how brand repositioning, digital optimization, digital analysis and customer relationships can be used to help the financial services industry overcome disruption and set themselves up for success in the future.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
PUSHTech provides solutions together with our partners for your industry to meet the unique needs of your organization. In addition, PUSHTech and technology partners offers custom solutions for marketers to help you innovate quickly and make the most of your mobile investment. Messages can be sent based on customer segments, location, and app usage history.
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
We’ve asked customers and partners, spoken to industry experts and made our own conclusions and predictions to help financial organisations succeed in mobile
in 2015.
Who are the mobile innovators and disruptors of the financial industry? How will banks tackle mobile security threats in 2015? What will Apple Pay mean for the financial institutions? What’s the regulatory impact of new mobile technology such as wearables? How do financial institutions stay on top of mobile technology with an accelerated pace of innovation? How much longer will employees of financial firms be tied to a desktop? You'll find the answers in this presentation.
In September 2014, CG surveyed 1,005 U.S. consumers online and conducted qualitative phone interviews with ten financial services executives at the top 20 U.S. financial institutions, to understand how mobile banking and the shift of mobile device size (tablets getting smaller, smartphones getting larger) will influence how Americans do their banking in the 21st century. This presentation details the findings of this research.
To receive a copy of the white paper, due out in March 2015 please email insight@cgcginc.com. For more information about CG’s Digital Practice please visit https://www.carlisleandgallagher.com/insights/research-insights or follow #CGDigital on Twitter.
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
PUSHTech provides solutions together with our partners for your industry to meet the unique needs of your organization. In addition, PUSHTech and technology partners offers custom solutions for marketers to help you innovate quickly and make the most of your mobile investment. Messages can be sent based on customer segments, location, and app usage history.
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
We’ve asked customers and partners, spoken to industry experts and made our own conclusions and predictions to help financial organisations succeed in mobile
in 2015.
Who are the mobile innovators and disruptors of the financial industry? How will banks tackle mobile security threats in 2015? What will Apple Pay mean for the financial institutions? What’s the regulatory impact of new mobile technology such as wearables? How do financial institutions stay on top of mobile technology with an accelerated pace of innovation? How much longer will employees of financial firms be tied to a desktop? You'll find the answers in this presentation.
In September 2014, CG surveyed 1,005 U.S. consumers online and conducted qualitative phone interviews with ten financial services executives at the top 20 U.S. financial institutions, to understand how mobile banking and the shift of mobile device size (tablets getting smaller, smartphones getting larger) will influence how Americans do their banking in the 21st century. This presentation details the findings of this research.
To receive a copy of the white paper, due out in March 2015 please email insight@cgcginc.com. For more information about CG’s Digital Practice please visit https://www.carlisleandgallagher.com/insights/research-insights or follow #CGDigital on Twitter.
Financial Services: Insight and TrendsNadya Powell
What do customers think of Financial Services brands? What cultural trends should Financial Services brands take note of. This deck hopefully gives you everything you need to know. Thanks to Zoe Decool for research help.
This presentation was given at Innovation Stories, Innovation Social's annual premium event, on July 6th 2015 in London. Michael Johnston, Strategist at Hirsch & Mann, presented his opinions on Innovation as well as some recent examples of innovation from Hirsch & Mann.
This presentation was given at Innovation Stories, Innovation Social's annual premium event, on July 6th 2015 in London. Lawrence Weber, Managing Partner for Innovation at Karmarama and Jeremy Basset from Unilever Foundry gave the inside scoop on why they decided to do the Foundry, what they've learnt and what's next.
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.
In this presentation, we look at this issue, the steps the banking community need to get right to engage with modern consumers and how to develop powerful mobile—based propositions that people actually want to use.
How Much Does It Cost to Build a Mobile Banking App Like Wise.pdfayushiqss
Once, you had been sent abroad without money, looking desperately for the bank that accepted your card, which didn’t charge you a small fee, right? What if you’re self-employed and you deal with invoices in different currencies? One way or another, the conversation suddenly transforms into a lesson on foreign exchange rates and risk management. In the days when globalization set its footsteps, traditional banking would thus feel clumsy and odd. This is where Wise (formerly TransferWise) jumps the line and introduces the app, where mobile banking can be super easy and convenient.
One might be interested to know how many resources it actually takes to create a challenger app like Wise. Thus, the answer is quite dependent on the situation. Yet, before we do that, it would be good if we first glance at the mobile banking world.
According to a study by App Annie, mobile banking app usage has skyrocketed in recent years. In 2023, everyone unexpectedly invested over 600 billion hours worldwide, predominantly keeping an eye on their financial applications. This is an impressive figure, as you could say that now mobile banking services keep our money in their house.
2014 Digital-Inspired Trends in the Financial Services Industry: Banks, Card ...Carmelon Digital Marketing
The financial services industry is utilizing new technologies and channels, in order to become more efficient, more reliant, more convenient and above all – simpler. Among such new channels are internet websites, social media platforms, smartphone / tablet apps and others. Banks, credit card companies and insurance companies are using those digital channels along the entire service chain, including sales & marketing, communications, consumer service and CRM.
Next Generation Mobile Banking and Return on Investmentmistervandam
Fiserv white paper on how the advancement of mobile banking - particularly next generation features and functionality - are driving return on investment for financial institutions
Case study: DBS's digitalization in Southeast AsiaSahil Gupta
DBS Bank‘s internationalization strategy is built on the cornerstone of a customer-centric digital platform which goes beyond banking by focusing on the customer’s lifestyle and evolving needs. EY has been a proud collaborator to DBS in this journey, advising on the formulation of strategy for Indonesia.
This is an assignment on the topics named Mobile Banking. This assignment contain's the valuable description based on the mobile banking sector of Bangladesh.
The high rate of technology penetration is affecting the state of financial services:
• Collaboration economy – driven by social media
• On the go behavior – driven by intensive lifestyles and the rise of mobile technology
• Convenience seeking – driven by connectivity (“the internet of things” and wearable technology)
Time spent on social networking by internet users worldwide is on the rise, causing more sharing and peer to peer behaviors resulting in the “collaboration economy”.
Global Mobile penetration continues to rise, giving birth to more on the go/ mobile financial solutions. Rising penetration of Wearable Technology offers opportunities for companies.
In the EU, online banking adoption rates are 49% in the EU, and in other countries, USA included, penetration surpassed 50%.
We expect Mobile financial services to grow at an accelerated rate, due to the increase in solutions offered through mobile devices as well as younger demographics demand for ultra-convenient solutions. According to the Federal Reserve, in the USA, use of mobile banking continues to rise but is yet to reach the rates of online banking: 43% of all mobile phone owners, and 53% of all smartphone owners with a bank account, had used mobile banking in the 12 months prior to the survey, compared to 71% who used online banking on a desktop, laptop or tablet computer in the same period.
South Africa: A Digital Innovation Hub for Financial ServicesSeymourSloan
South Africa is fast becoming one of the leading digital players in financial services along with Kenya and Tanzania. This piece explores how they have succeeded where others have stalled.
Έφη Πρεσβεία, Επικεφαλής Επιχειρηματικής Μονάδας Ηλεκτρονικού Επιχειρείν, Eur...Starttech Ventures
Oμιλία από την Έφη Πρεσβεία, Επικεφαλής Επιχειρηματικής Μονάδας Ηλεκτρονικού Επιχειρείν, Eurobank στο πλαίσιο του Digital Finance Forum 2016
Περισσότερες πληροφορίες: http://digitalfinance.ethosevents.eu/
Perspective- Multi Channel Banking: A Five Point Strategy Infosys Finacle
The last two decades have witnessed a paradigm shift in the way people bank. While the shift from branches to ATM based cash withdrawals and from there on to internet banking was slow, it has been a different story in the case of mobile banking. The growth in adoption of mobile banking over the last three years has been tremendous. Many banks have rolled out internet banking, mobile banking, call centers, ATM based transactions and video banking. But, have banks moved from multiple channels to true multi-channel banking with seamless cross channel experiences?
Here we explore a five point strategy that would empower banks and financial institutions to define a robust multi-channel offering.
Presentation on mobile payments and mobile money at the June 2013 SmarterCommerce Global Summit in Monaco. Includes description of relevant IBM product families that support mobile money and mobile payments.
Similar to Disruption, mobile and financial services (20)
Search and Society: Reimagining Information Access for Radical FuturesBhaskar Mitra
The field of Information retrieval (IR) is currently undergoing a transformative shift, at least partly due to the emerging applications of generative AI to information access. In this talk, we will deliberate on the sociotechnical implications of generative AI for information access. We will argue that there is both a critical necessity and an exciting opportunity for the IR community to re-center our research agendas on societal needs while dismantling the artificial separation between the work on fairness, accountability, transparency, and ethics in IR and the rest of IR research. Instead of adopting a reactionary strategy of trying to mitigate potential social harms from emerging technologies, the community should aim to proactively set the research agenda for the kinds of systems we should build inspired by diverse explicitly stated sociotechnical imaginaries. The sociotechnical imaginaries that underpin the design and development of information access technologies needs to be explicitly articulated, and we need to develop theories of change in context of these diverse perspectives. Our guiding future imaginaries must be informed by other academic fields, such as democratic theory and critical theory, and should be co-developed with social science scholars, legal scholars, civil rights and social justice activists, and artists, among others.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
UiPath Test Automation using UiPath Test Suite series, part 3DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 3. In this session, we will cover desktop automation along with UI automation.
Topics covered:
UI automation Introduction,
UI automation Sample
Desktop automation flow
Pradeep Chinnala, Senior Consultant Automation Developer @WonderBotz and UiPath MVP
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
JMeter webinar - integration with InfluxDB and GrafanaRTTS
Watch this recorded webinar about real-time monitoring of application performance. See how to integrate Apache JMeter, the open-source leader in performance testing, with InfluxDB, the open-source time-series database, and Grafana, the open-source analytics and visualization application.
In this webinar, we will review the benefits of leveraging InfluxDB and Grafana when executing load tests and demonstrate how these tools are used to visualize performance metrics.
Length: 30 minutes
Session Overview
-------------------------------------------
During this webinar, we will cover the following topics while demonstrating the integrations of JMeter, InfluxDB and Grafana:
- What out-of-the-box solutions are available for real-time monitoring JMeter tests?
- What are the benefits of integrating InfluxDB and Grafana into the load testing stack?
- Which features are provided by Grafana?
- Demonstration of InfluxDB and Grafana using a practice web application
To view the webinar recording, go to:
https://www.rttsweb.com/jmeter-integration-webinar
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Dev Dives: Train smarter, not harder – active learning and UiPath LLMs for do...UiPathCommunity
💥 Speed, accuracy, and scaling – discover the superpowers of GenAI in action with UiPath Document Understanding and Communications Mining™:
See how to accelerate model training and optimize model performance with active learning
Learn about the latest enhancements to out-of-the-box document processing – with little to no training required
Get an exclusive demo of the new family of UiPath LLMs – GenAI models specialized for processing different types of documents and messages
This is a hands-on session specifically designed for automation developers and AI enthusiasts seeking to enhance their knowledge in leveraging the latest intelligent document processing capabilities offered by UiPath.
Speakers:
👨🏫 Andras Palfi, Senior Product Manager, UiPath
👩🏫 Lenka Dulovicova, Product Program Manager, UiPath
Smart TV Buyer Insights Survey 2024 by 91mobiles.pdf91mobiles
91mobiles recently conducted a Smart TV Buyer Insights Survey in which we asked over 3,000 respondents about the TV they own, aspects they look at on a new TV, and their TV buying preferences.
"Impact of front-end architecture on development cost", Viktor TurskyiFwdays
I have heard many times that architecture is not important for the front-end. Also, many times I have seen how developers implement features on the front-end just following the standard rules for a framework and think that this is enough to successfully launch the project, and then the project fails. How to prevent this and what approach to choose? I have launched dozens of complex projects and during the talk we will analyze which approaches have worked for me and which have not.
3. Experts are pointing at a “loss of physicality”
In 1995 the average EU
consumer made 2.21 visits per
month to the bank.
By 2012, that figure had
dropped to 0.26 visits, which
equates to 3.2 visits per year.
4. Consumers have shown mounting enthusiasm for mobile
services
* TNS. Mobile Life. June 2012
“All the figures are pointing to the fact that we
have reached a tipping point in worldwide
desire for mobile financial services. Globally,
people are opening their minds to using their
mobile to bank or buy”*.
James Fergusson, Global Head, TNS Connect
5. Mobiles are even displacing PCs for the most routine tasks
“Mobile banking is displacing online banking. Technologies like
apps let customers perform simple banking tasks more quickly
and easily on a mobile or a than on a PC. As a result, banking
on Smartphones and tablets is already displacing banking on
PCs for routine interactions.
Over the coming decade, Smartphones, tablets, and other
portable devices will become the dashboard through which
many customers, both rich and poor, manage their money.”
Forrester
7. The challenge is to develop a strategy that creates value
Ultra convenience
and innovation
Capturing new
markets
Digital
commerce
Creating moments of
truth and delight
ACQUISITION
ADVOCACY
COST SAVINGS
Acting as the engine
that drives digital
commerce
Develop alternative
offerings
NEW REVENUES
ACQUISITION
Forrester. Building A World-Class Mobile Banking Strategy. March 2013.
McKinsey. The current state and future of mobile banking in Europe. August 2011
Short term
imperative
Long term
Leadership
ADVOCACY
ACQUISITION
EQUITY
8. Ultra convenience and innovation
Making the usual everyday business dramatically more convenient.
Why? Because nearly a third of mobile banking users are more likely
to stay with their bank as a result of their mobile banking
experience.
BENEFITS
To increase satisfaction, retention and advocacy by deepening
relationship with customers
To acquire new customer with a distinctive proposition
To cut costs by directing everyday transactions from other channels
(e.g. Branch) to mobile
Forrester. Building A World-Class Mobile Banking Strategy. March 2013.
McKinsey. The current state and future of mobile banking in Europe. August 2011.
Bain and company. Customer loyalty in retail banking. Global edition 2012.
9. What are the
moments of Truth?
And how can we create
a “wow” effect?
What are the
biggest frustrations?
How can innovations
lead to improvements?
Those moments of truth (such as resolving a fraudulent transaction) and
“digital delight” moments providing new, easy ways for customers to do
routine transactions (such as mobile bill pay) prove decisive in winning
either customers’ advocacy or their derision.
McKinsey. Retail Distribution 2015 – Full Digitalisation with a human touch. Dec 2011
Bain and company. Customer loyalty in retail banking. Global edition 2012.
How to consolidate
these positive
experiences into an
overall propositions?
Customers with a higher frequency of
mobile transactions are more likely to
recommend their bank than low-frequency
users. This is not about one-offs but
developing an overall vision.
Ultra convenience and innovation
10. Inspiration: boosting customer service
IBM Watson
IBM's cognitive supercomputer Watson will
soon be helping several of the company's
most important customers like Australia‟s ANZ
Bank and Royal Bank of Canada
Watson's new role, called "Ask Watson," is to
help brands answer customer service queries
via a combination of websites, cloud services,
email, SMS and Smartphone apps.
Companies will tap his ability to use semantic
searches to make him a formidable customer
service assistant.
“From a consumer point of view, being able to
access a brand's customer service function
via a Smartphone app AND to have your query
dealt with efficiently by a super computer is a
compelling prospect.” Contagious
Contagious. Ask Watson. May 2013
Forbes. IBM's Watson Now A Customer Service Agent, Coming To Smartphones Soon. May 2013
Ultra convenience and innovation
11. Digital commerce
Its not just about purchase:
- Pre-purchase phase - combining data to deliver event- and location- based
discount offers
- Purchase financing - instant credit available at point of sale via SMS and
mobile apps
- Transaction processing - bank-enabled mobile e-wallets replacing cash and
cards
BENEFITS
To generate increased revenue by
-Leveraging data to facilitate context-sensitive merchant offers
-Capturing share of increased digital payment volumes
Forrester. Building A World-Class Mobile Banking Strategy. March 2013.
McKinsey. The current state and future of mobile banking in Europe. August 2011
12. 1. Connect
merchants, brands
and shoppers through
buying and saving
opportunities
Only those who partner up will
survive – as only by partnering
can you create extended
experiences
2. Focus on
prepayment and
postpayment
activities
“Before” services incl. geolocation,
targeted ads, promotions, social
marketing, services raising awareness and
influence purchase preference.
“After” services incl. remarketing,
loyalty programs, customer support, and
cross-selling/upselling activities
Accenture. Mobile Commerce: A Roadmap for Banks and Mobile Operators. 2012
Digital commerce
13. A variety of new players are
entering the market, including
tech specialists such as Google,
start-ups such as Square, and
established online payment
providers such as PayPal.
Google in particular has bold
plans: It wants to close the last
mile and is willing to give away
everything to merchants
(including point-of-sale
terminals, digital wallets, and
Trusted Service Manager [TSM]
services) to make this happen.
Digital commerce
14. New Markets
Key opportunity to use mobile to access the world‟s 2.5 billion adults who are
either unbanked or underbanked.
Non-incumbent „attacking banks‟ may more easily be able to build a low-cost
proposition in partnership with an established Telco.
BENEFITS
-Growing market share with a disruptive proposition
-This could support a broader vision and purpose and boost long term brand
equity
McKinsey. The current state and future of mobile banking in Europe. August 2011
15. M Pesa has led the way in Kenya, making
possible for the first time person-to-
person transfers and facilitating
international remittances.
A striking 51% of Kenyan adults use this
system making it the most successful
mobile money deployment worldwide.
New players in such markets are
integrating existing mobile payments
platforms with online merchants, bank
accounts, and microfinance platforms.
Deloitte. Banking the unbanked Prepaid cards, mobile payments, and global opportunities in retail banking. 2012
New Markets
17. Chase: best in class for overall vision and experience
Chase regularly tops the list of financial institutions that
provide the most comprehensive and intuitive mobile
banking offerings.
Chase Mobile includes the following features:
-Chase QuickDepositSM, the award-winning mobile
check deposit capability;
-Chase QuickPaySM, its proprietary person-to-person
payment service;
-Payment options such as bill pay, account transfers
and wire transfers;
-Mobile website access;
-SMS text messaging;
-Chase Instant Action Alerts to notify customers of a
low balance, and to allow them to transfer money by
replying to the text message.
18. Westpac: Impulse Saver
INSIGHT:
Westpac bank promises to help New Zealanders use money to
get where they dream of being. But their appalling savings
behaviour was preventing this as they were 23rd out of 29 OECD
nations in terms of saving habits.
SOLUTION:
Inspired by a TED Talk by Rory Sutherland in which he noted
that "marketing has done a very good job of creating
opportunities for impulse buying … we've never created the
opportunity for impulse saving“, Westpac created an impulse
saving product.
The bank created an app that interfaces directly with online
banking allowing customers to transfer a predetermined amount
from their transactional account to their savings account at the
touch of a button.
19. Permata / BlackBerry: BBM Money
INSIGHT:
People increasingly use their phones to manage many aspects of their
lives. Enabling users to make quick payments to each other – such as
splitting a bill in a restaurant or helping small traders to collect
payments from regular customers is an attractive prospect.
SOLUTION:
BlackBerry has partnered with Indonesia’s Bank Permata to develop a
mobile payment service.
The company is testing a system whereby Indonesians will be able to
use the chat service, BlackBerry Messenger, to transfer money to their
friends.
Users can send or receive money by downloading the BlackBerry
Money app. It is free to send money to BBM users who bank with
Permata, while it costs 5,000 rupiah ($0.52) to send money to
customers of other banks.
20. Barclays: Pingit
INSIGHT:
As per BBM
SOLUTION:
Barclays’ Pingit is an app that allows account holders to transfer
up to £300 a day to other people - using just their mobile phone
number.
It has stood out for its incredible simplicity:
First of all, customers download the app and link it to their
current account and UK mobile number.
To make a payment, you choose a recipient from your contacts
(or type in a mobile number), then select how much to send and
confirm payment.
People without Smartphones can still use the service via text
message, but first need to register online.
Non-Barclays customers can register online to receive Barclays
Pingit payments.
21. The Commonwealth Bank of Australia: Property Guide
INSIGHT:
CBA needed to counteract aggressive mortgage rate pricing by
targeting customers who weren't just searching for the lowest
home loan rate but also needed a trusted source of advice to
walk them through the buying process.
SOLUTION:
Using augmented reality and Google maps, the Property Guide
app gives home buyers a virtual insight into 95% of Australian
homes.
It maps data such as sales history and current property listings
on a real world view, and gives users key suburb insights such
as demographics, median price and buy/sell guides.
Financial tools and advice including calculators, videos and
guides are also featured to ensure that the home and loan they
choose is the right one for them.
Click to call and 'arrange an appointment‘ functionality allows
instant access to the Bank once the buyer is ready.
22. Aviva: Drive
INSIGHT:
Insurance is a competitive market with little
to differentiate between providers. Consumer behaviour is
now normalising towards seeking the lowest cost from price
comparison websites.
SOLUTION:
To stand out in this competitive market place Aviva
demonstrated that they recognise individuals and are able to give
policies and competitive prices that are based on individual
driving habits (for car insurance) rather than broad consumer
demographics and associated risk profiles.
The brand developed a mobile app that utilises telematrics on
Smartphones to record driving habits, in order to get a discount
on new insurance policies based on how you drive.
After driving for 200 miles you are given a score out of 10 and
this score is used to calculate discounts the motorist has earned.
23. Visa: Mobile Managed Service
INSIGHT:
Building on the success of M-Pesa, there is an opportunity for
financial services companies to help maintain these services as
demand grows.
SOLUTION:
Visa has launched a new off-the-shelf mobile money platform
that aims to make it easy and cost-efficient for financial
institutions and mobile network operators to offer mobile financial
services to the ‘unbanked’ consumers.
The Visa Mobile Managed Service allows those without a bank
account in developing countries and elsewhere to still make
payments, buy goods, send remittances and store value on their
mobile phone devices.
Unbanked consumers in India and Rwanda are the first to benefit
from the service.
25. Think Useful
It has become crucial to create valuable and useful product
experiences that enrich customers‟ lives as they will reward companies
that help them to do more.
Companies address this shift by listening and working with customers
in order to become, and stay, useful.
26. Think relationships
Customer resentment was already running high before the
financial crisis. Since then, trust has plummeted even
further.
Re-instating relationships require words and actions to
rebuild both affective and cognitive trust. So we need to
look for more opportunities to interact and each time make
sure we add value.
Pace in
which trust
is restored
Quality of
interactions
Frequency
of
interactions
= X
Reinventing Financial Services: what consumers expect from future banks and insurers. Roger Peverelli, Reggy de Feniks.
McKinsey. Banking on customer centricity. Apr 2012
27. Think small
We learn in small steps. We need to experiment and place lots of
small bets. This should help shift emphasis from saying to doing.
Stats: Telecoms.com. Mobile and internet to “destroy” retail banking models. April 2013 quoting Brett KingBrett King is the author of Banking 2.0, a widely-known book that explores the effect of new technology on consumer behaviour and banking. He is also the founder of Moven, a new mobile-only bank that focuses on the concept of a ‘digital wallet’, in which the consumer’s smartphonereplaces their debit card and cash payment tools.Graph: Deloitte. Impact of Mobile Banking on the Traditional Branch Banking Model. July 2012
McKinsey. The current state and future of mobile banking in Europe. August 2011
Mobile Banking Will Become The Hub Of Many Customers' Banking Relationships Banking on smartphones and tablets is already displacing banking on PCs for routine interactions. Over the coming decade, smartphones, tablets, and other portable devices will become the dashboard through which many customers, both rich and poor, manage their money -- disrupting the retail banking and payments businesses in the process.
Smartphones and tablets may be proving effective and efficient for managing our money, but they are also fairing pretty well at replacingthe need for cash and cards altogether.
Business Wire. Chase Tops Keynote’s Mobile Banking Scorecard for Third Time in a Row. May 2013Forrester. Who leads in mobile banking: forrester ranks 15 banks around the world. April 2013
Cannes creative lions. Westpac Impulse Saver: Helping people save as impulsively as they spend. 2012
Contagious. BlackBerry, Bank Permata. March 2013.
The Guardian. Barclays launches Pingit money-sending service for smartphones. February 2012.Contagious. Barclays. February 2012
Contagious. Financial services sector 2012
Contagious. Financial services sector 2012
Leveraging social media – Danske Bank. The Danish Danske Bank is demonstrating its commitment to be more engaging and transparent by leveraging crowdsourcing via social media to “become a better bank.” The initial focus Danske Bank chose was to use Facebook to ask how they could improve their mobile banking app. Their “Idebank” received 263 ideas, 185 comments, 3,110 votes, and trebled their fan base.M-Pesa is a branchless banking service that uses mobile technology, and is currently available in Kenya, Afghanistan and Tanzania. M-Pesa designed for people in rural areas where banking services are scarce. Its founders observed that Kenyan locals were trading mobile minutes as currency. So they created a service that offers money transfers, bill payments and withdrawals — all through mobile phones. It is also creating adjacent services: M-Health, agribusiness and M-Farm allow farmer co-ops to buy products via SMS and pay via M-Pesa.
Mobile and digital are key to drive frequency of interaction and increase satisfaction as well as advocacy. State Farm (US) realised that they only had one point of contact a year with consumers - a negative one to announce an increase in premium. So they created the Pocket Agent, a mobile app that is ‘always ready to help’ – from claims and driving tips to insurance covering and financial planning.