Kenneth Verlage took up the topic of the transformation of IT through digitization into a product, and of the impact and importance of this change for your organization, technology and innovation work.
Author - Kenneth Verlage
Antony Collard Deputy Director, Digital Delivery - HMRC
HMRC, the UK’s Tax Authority, is on an ambitious journey that aims to make it the most digitally advanced tax authority in the world.
Programmes such as Making Tax Digital for Individuals, and Making Tax Digital for Business will transform the ways in which customers of every hue engage with tax, benefits and wider services.
Exploiting open source software and cloud technologies in delivery, and actually talking to customers in design, this session will give you an overview of how HMRC has gone from being the archetypal paper-based government organisation to one that is striving to make life easier for customers by exploiting digital technology.
Prosperar en el Mundo del Network Digital [Mexico City]SAP Ariba
The world today is a digital network. And to thrive in it, you need to be connected. Because at the end of the day, it’s not only what you know, but who you know – and who knows you - that really matters. You tap into social networks to manage your personal connections and activities. You use apps on your phone and tablet to connect and collaborate with your peers. But are you harnessing the power of network technology in the workplace to build and manage business relationships, do your job better, and deliver for your company?
Axway Introduction & Digital Business (by Jo Van Audenhove & Rogier van Boxtel)ACA IT-Solutions
https://www.axway.com - Accelerate your Digital Transformation: An Axway & ACA IT-Solutions Seminar Invitation focussing on innovations in mobile enterprise: Appcelerator.
Antony Collard Deputy Director, Digital Delivery - HMRC
HMRC, the UK’s Tax Authority, is on an ambitious journey that aims to make it the most digitally advanced tax authority in the world.
Programmes such as Making Tax Digital for Individuals, and Making Tax Digital for Business will transform the ways in which customers of every hue engage with tax, benefits and wider services.
Exploiting open source software and cloud technologies in delivery, and actually talking to customers in design, this session will give you an overview of how HMRC has gone from being the archetypal paper-based government organisation to one that is striving to make life easier for customers by exploiting digital technology.
Prosperar en el Mundo del Network Digital [Mexico City]SAP Ariba
The world today is a digital network. And to thrive in it, you need to be connected. Because at the end of the day, it’s not only what you know, but who you know – and who knows you - that really matters. You tap into social networks to manage your personal connections and activities. You use apps on your phone and tablet to connect and collaborate with your peers. But are you harnessing the power of network technology in the workplace to build and manage business relationships, do your job better, and deliver for your company?
Axway Introduction & Digital Business (by Jo Van Audenhove & Rogier van Boxtel)ACA IT-Solutions
https://www.axway.com - Accelerate your Digital Transformation: An Axway & ACA IT-Solutions Seminar Invitation focussing on innovations in mobile enterprise: Appcelerator.
QCon Beijing. Web APIs are the new de facto approach to architecture integration for all innovative digital business applications across cloud, mobile, B2B, Big Data or Internet of Things (IoT) technologies. For many of these projects, enterprise architecture and service delivery is adapting from an "inside-out" model towards a microservices and API First approach, which offers greater flexibility and agility around core IT services. In this session we investigate the promise of microservices, and consider how they will work in real enterprises with existing applications, complex SOA environments and strict organizational or governance structures.
This is the presentation I gave to Telecom Italia where I was discussing about the force of benefit for the cloud and devops where People, Processes and Technology are involved.
Moving Market Data to the Cloud - TABB Group and XigniteStephane Dubois
In "Stairway to the Market Data Cloud," Terry Roche, Principal, Head of FinTech Research at Tabb Group and Stephane Dubois, CEO and Founder of cloud-based market data provider Xignite, discuss the drivers that are pushing Capital Markets to migrate to the cloud and debate the benefits of using market data APIs for front and back office applications. View the complete webinar here: https://market-data.xignite.com/On-Demand-Stairway-to-the-Market-Data-Cloud.html
How to Craft a World-Class Commerce Program with Your SuppliersSAP Ariba
Learn how to design a winning commerce program that maximizes value. In this session we cover the critical success factors, discuss how to engage your suppliers and your internal organization, and explain how you can leverage SAP Ariba solutions to facilitate a strong partnership and improved outcomes on both sides of the equation.
Using E-Commerce to Automate Your Collaborative Business TransactionsSAP Ariba
Leading sellers are using B2B e-commerce to automate their business collaborations with customers. E-commerce enables them to reduce costs associated with manual document keying, to drive up customer satisfaction through faster, more accurate response rates to customer purchase orders, and to achieve cleaner, more accurate invoices. Join this panel of leading sellers as they discuss when and how suppliers can leverage the different transactional and integration options available on the Ariba Network.
How RGB Broadcasting Competes with Other Brand Players in Over the Top (OTT) ...Alvin Thomas
The Over the Content (OTT) & IPTV market is highly competitive with both international and domestic companies trying to outdo each other. The international players are taking advantage of economies of scale to set up their footprint in various regions across the globe. As a result, domestic OTT vendors are experiencing great difficulties in competing with them in terms of services, quality, prices, etc. However, a few domestic vendors have overcome these challenges to prove their presence in the fiercely competitive market. RGB Broadcasting is one of them. How? The answer is through its broad spectrum of OTT service. The company supports its clients through its services.
Your customers are implementing a procurement solution. Learn how you can change beliefs, shift thinking, and drive conversations and change within your company. Help your company flourish by shifting from operationally focused e-commerce to customer-centric digital commerce. You'll also gain insights into how to prepare for the future and create a change organization. This session focuses on building an e-commerce strategy and team.
Presentation on focusing on user needs, better procurement and G-cloud, a series of frameworks to buy cloud-based services. Presented by Mark Pinheiro, Head of Procurement, Government Digital Service (GDS)
Jack D Ryger: World Landmarks Light Up To Honor ParisJack D. Ryger
Jack D Ryger highlights a few of the many landmarks across the globe that have chosen to honor Paris by lighting up in the colors of the French Flag, following the tragic events of 11/13/15.
"Bridging the Gap between Bioinformatics and Medical Informatics"INBIOMEDvision
INBIOMEDvision workshop at MIE2012 - XXIV Conference of the European Federation for Medical informatics. August 26–29, 2012. Pisa, Italy. Presentations: M.A. Mayer, V. López Alonso, N.Shublaq.
QCon Beijing. Web APIs are the new de facto approach to architecture integration for all innovative digital business applications across cloud, mobile, B2B, Big Data or Internet of Things (IoT) technologies. For many of these projects, enterprise architecture and service delivery is adapting from an "inside-out" model towards a microservices and API First approach, which offers greater flexibility and agility around core IT services. In this session we investigate the promise of microservices, and consider how they will work in real enterprises with existing applications, complex SOA environments and strict organizational or governance structures.
This is the presentation I gave to Telecom Italia where I was discussing about the force of benefit for the cloud and devops where People, Processes and Technology are involved.
Moving Market Data to the Cloud - TABB Group and XigniteStephane Dubois
In "Stairway to the Market Data Cloud," Terry Roche, Principal, Head of FinTech Research at Tabb Group and Stephane Dubois, CEO and Founder of cloud-based market data provider Xignite, discuss the drivers that are pushing Capital Markets to migrate to the cloud and debate the benefits of using market data APIs for front and back office applications. View the complete webinar here: https://market-data.xignite.com/On-Demand-Stairway-to-the-Market-Data-Cloud.html
How to Craft a World-Class Commerce Program with Your SuppliersSAP Ariba
Learn how to design a winning commerce program that maximizes value. In this session we cover the critical success factors, discuss how to engage your suppliers and your internal organization, and explain how you can leverage SAP Ariba solutions to facilitate a strong partnership and improved outcomes on both sides of the equation.
Using E-Commerce to Automate Your Collaborative Business TransactionsSAP Ariba
Leading sellers are using B2B e-commerce to automate their business collaborations with customers. E-commerce enables them to reduce costs associated with manual document keying, to drive up customer satisfaction through faster, more accurate response rates to customer purchase orders, and to achieve cleaner, more accurate invoices. Join this panel of leading sellers as they discuss when and how suppliers can leverage the different transactional and integration options available on the Ariba Network.
How RGB Broadcasting Competes with Other Brand Players in Over the Top (OTT) ...Alvin Thomas
The Over the Content (OTT) & IPTV market is highly competitive with both international and domestic companies trying to outdo each other. The international players are taking advantage of economies of scale to set up their footprint in various regions across the globe. As a result, domestic OTT vendors are experiencing great difficulties in competing with them in terms of services, quality, prices, etc. However, a few domestic vendors have overcome these challenges to prove their presence in the fiercely competitive market. RGB Broadcasting is one of them. How? The answer is through its broad spectrum of OTT service. The company supports its clients through its services.
Your customers are implementing a procurement solution. Learn how you can change beliefs, shift thinking, and drive conversations and change within your company. Help your company flourish by shifting from operationally focused e-commerce to customer-centric digital commerce. You'll also gain insights into how to prepare for the future and create a change organization. This session focuses on building an e-commerce strategy and team.
Presentation on focusing on user needs, better procurement and G-cloud, a series of frameworks to buy cloud-based services. Presented by Mark Pinheiro, Head of Procurement, Government Digital Service (GDS)
Jack D Ryger: World Landmarks Light Up To Honor ParisJack D. Ryger
Jack D Ryger highlights a few of the many landmarks across the globe that have chosen to honor Paris by lighting up in the colors of the French Flag, following the tragic events of 11/13/15.
"Bridging the Gap between Bioinformatics and Medical Informatics"INBIOMEDvision
INBIOMEDvision workshop at MIE2012 - XXIV Conference of the European Federation for Medical informatics. August 26–29, 2012. Pisa, Italy. Presentations: M.A. Mayer, V. López Alonso, N.Shublaq.
Koller Geneve
MODE, LUXE & VINTAGE
MERCREDI 16 NOVEMBRE, 16h
https://www.kollerauktionen.ch/en/genf/g59/mode_-luxe_-vintage-2
MODE, LUXE & VINTAGE
16h, Lot 501 – 806
EXPOSITION
Vendredi 11 au lundi 14 novembre, de 10h à 18h
Palais de l‘Athénée
CATALOGUE EXCLUSIVEMENT SUR INTERNET
CATALOGUE ONLINE
www.kollerauctions.com
Pour tout renseignement:
Koller Genève
Palais de l’Athénée
rue de l’Athénée 2
1205 Genève
tél. +41 22 311 03 85
fax +41 22 810 06 30
geneva@kollerauctions.com
Vêtements haute couture et prêt-à-porter,
bagagerie, objets de maison, maroquinerie et
accessoires homme et femme
Frank Wammes discussed how the rate of technology development and business disruption leads us all t be concerned what these developments will mean for our business. What's the next big idea that could disrupt our business, which new models could we bring to market? Question is whether the "Idea" or "Model" is the defining thing of success. We are increasingly witnessing changes in the work culture, the installation of innovation processes and creation of flexible platforms that will determine the success for the (nearby) future.
Author - Frank Wammes
My books- Learning to Go https://gum.co/learn2go & The 30 Goals Challenge for Teachers http://routledge.com/books/details/9780415735346/
Resources http://teacherrebootcamp.com/2015/09/19/pirate/
The presentation describes the aviation reference framework, especially the domain revenue management & pricing including the business, data, application and technology architecture.
Memory improvement can be achieved in two ways: 1) by improving the health of your brain, and 2) using memory skills. These are easier to do than you might think, but you have to make the effort.
Cannes Lions 2015 - communication trends spotted among this year winners. Among trends: comeback of an old good ambient, virtual reality, make tech human, empowering women, perfect imperfections and others.
20 Ways to Supercharge Your Micro Moments with Your Holiday ShopperLogo Design Guru
Is there a future in micro moments for e-commerce businesses? There sure is! At the moment there are 2.1 billion smart phone users world wide. Among these are the ones who use their phones for learning and buying. This holiday season you need to tap onto these customers who want instant solutions.
This presentation on 20 ways to supercharge your micro moments with your holiday shoppers are tried and tested. They're proven ways that'll help you garner new customers and boost sales. Discover how online retail brands used these tips to improve their return on investment.
Uses of Artificial Intelligence in BioinformaticsPragya Pai
This presentation is about the usage of Artificial Intelligence in Bioinformatics. These slides give the basic knowledge about usage of Artificial Intelligence in Bioinformatics.
Comic-Con 2016 - Beyond Human: The Rise Of Machine Intelligence #SDCCDanny Sullivan
We've finally entered the world of HAL, where voice activated services like Siri, Cortana and Alexa attempt to cater to our needs. Within a few decades, synthetic "brains" will be able to execute 100 trillion instructions per second--an activity level that rivals the human brain. That brings the prospect of helpful servants like Cerebro and Lieutenant Commander Data--or perhaps malevolent entities like Brainiac and Skynet. Our panelists will discuss the A.I. capabilities soon to arrive and the opportunities and threats they will bring to humanity. Speakers include Greg Corrado (Senior Research Scientist, Google), Lucas Ives (Engineering Lead, PullString Inc.), Brandon Wirtz (CEO and founder, Recognant), Sarah Austin (CEO and founder, Peak Energies), Nigel Duffy (CTO, Sentient Technologies), and moderator Danny Sullivan (founding Editor of Search Engine Land). Room 25ABC
This presentation explores health and well-being on the social web. Included are artwork, screenshots and translations.. This is a working draft and will be presented in late 2016. Your comments are welcome and so are embeds, likes, clips and shares.
- Ron Mader
Twitter: @ronmader
Wiki
http://planeta.wikispaces.com/health
COVID-19 heightened chronic challenges within the global healthcare industry. It became a catalyst amid fierce competition and tight regulations for health providers and payers to focus on digital health, cybersecurity, patient data transparency, and a variety of customer-centric and operational enhancements. As a result, we found the 2022 trendline pointing to improvements in access and quality of care.
Healthcare challenges such as optimizing the cost of care while simultaneously enabling personalized interventions and consumer-friendly shoppable services are long-standing − but, historically, the industry has been slow to react.
Read our Top Trends 2022 report to examine the lingering ramifications of the pandemic, responses from medical and insurance organizations, and the worldwide impact of ever-changing regulatory standards and mandates.
A combination of factors − the pandemic, catastrophic weather events, evolving policyholder expectations, and insurers’ drive for operational efficiency and future relevance − are sparking P&C industry changes.
In a post-COVID, new-normal environment, the most strategic insurers are building resilient, crisis-proof enterprises poised to take advantage of emerging and future business opportunities. They are leveraging advanced data analytics and novel technologies to assure agility and achieve positive revenue and customer satisfaction outcomes. Competitive advantage will hinge on accelerated digitalization and faster go-to-market. Therefore, win-win partnerships and embedded services with InsurTechs and other ecosystem players are critical.
Read Capgemini’s Top P&C Insurance Trends 2022 for a glimpse at the tactical and strategic initiatives carriers are undertaking to boost customer-centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future-readiness.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
As we slowly move out of the pandemic, financial services firms have learned the criticality of virtual engagement to business resilience. Wealth management firms will need capabilities to cater to new-age clients and deliver new-age services. This report aims to understand and analyze the top trends in the Wealth Management industry this year and beyond.
A year ago, our Top Trends in Wealth Management report emphasized how the pandemic sparked disruption and digital transformation and changing investor attitudes around Environmental, Social, and Corporate Governance (ESG) products. As we begin 2022, many of those trends continue to hold as COVID-19’s wide-reaching effects continue to influence the wealth management industry.
As wealth management (WM) firms supercharge their digital transformation journeys, investments in cybersecurity and human-centered design are becoming critical to building superior digital client experience (CX). Another holdover trend − sustainable investing – is gaining mainstream attention and generating increasingly sophisticated client demands. Data and analytics capabilities will become ever more essential for ESG scoring and personalized customer engagement. As large financial services firms refocus on their wealth management business while new digital players make industry strides, competition is becoming historically intense. Not surprisingly, client experience is the new battleground.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
While COVID-19 has sparked the demand for life insurance, it has also exposed the operating model vulnerabilities in distribution, servicing, and customer retention. In a post-COVID, new-normal environment, insurers need to enhance their capabilities around advanced data management and focus on seamless and secure data sharing to provide superior CX and hyper-personalized offerings. Accelerated digitalization and faster go-to-market are vital to remaining competitive, and win-win partnerships with ecosystems are critical in the journey.
Read our Top Life Insurance Trends 2022 to explore the tactical and strategic initiatives carriers undertake to acquire competencies around customer centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future readiness.
Property & Casualty Insurance Top Trends 2021Capgemini
The Property & Casualty insurance landscape is evolving quickly with the changing risk landscape, entry of new players, and changing customer expectations. The ripple effects of COVID-19 on the P&C insurance industry and natural disasters such as forest fires have adversely impacted insurance firm books.
In this scenario, to ensure growth and future-readiness, the most strategic insurers strive to be ‘Inventive Insurers’ – assuming a customer-centric approach, deploying intelligent processes, practicing business resilience and go-to-market agility, and embracing an open ecosystem.
Read our Property & Casualty Insurance Top Trends 2021 report to explore the strategies insurers are adapting to remain competitive amidst the evolving business landscape and how they can explore new ways to enhance their profitability.
A combination of factors such as demographic changes, evolving consumer preferences, and desire to become operationally efficient were already spurring changes in the life insurance industry. Enter 2020 – the COVID-19 pandemic is having a significant impact on the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry is adapting to the new normal.
Furthermore, COVID-19 has acted as a catalyst, pushing life insurers to prioritize their efforts on improving customer centricity, developing go-to-market agility, making processes intelligent, building business resilience, and embracing the open ecosystem.
Read our Life Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the changing market dynamics.
The uncertainty of 2020 is setting the global tone for the immediate future in the financial services industry. So it is no surprise banks are laser-focused on business resilience, emphasizing both financial and operational risks. The need to adapt quickly to new normal conditions through virtual customer engagement is clear.
Customer centricity continues to drive commercial banks’ solution designs. And, the pandemic compelled products that deliver immediate client value ‒ quick digital onboarding, seamless lending, and support for small and medium-sized enterprises (SMEs). The onus is now on banks to go to market more quickly, which requires the implementation of intelligent processes and integrating corporates’ enterprise resource planning (ERP) systems with banking workflows.
To achieve go-to-market agility, banks across the globe are investing in and collaborating with FinTechs. Many of these partnerships are focused on boosting digital lending and providing seamless support to anxious small-business clients in need of assurance.
With newfound impetus for FinTech collaboration, commercial banks have picked up their step on the path toward OpenX. COVID-19 made it evident that survival during turbulence is manageable through collaboration with ecosystem players.
Read our Top Trends in Commercial Banking 2021 report to explore the strategies banks are adapting to transform their businesses from a product-led, siloed model to an experiential and agile plan.
When we published the Top Trends in Wealth Management 2020, little did we foresee the pandemic that would sweep through the world and disrupt life as we knew it. Yet, when we reviewed last year’s trends, we found that many still hold and some have taken on even greater relevance. One such trend is sustainable investing, which had begun to gain prominence as investors became more aware of ESG considerations, and firms rolled out more sustainable investing offerings. Another trend that has accelerated in the post-COVID world is the importance of investing in omnichannel capabilities and technologies such as artificial intelligence (AI) to enhance personalization and advisor effectiveness. The pandemic has driven wealth management firms to accelerate their digital transformation journey, with some immediate focus areas being interactive client communications and digital advisor tools.
There is no denying that time is of the essence. Yes, budgets are tight, but the Open X ecosystem offers wealth management firms opportunities to reimagine their operating models and deliver excellent customer experience cost-effectively.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal.
Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem.
Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
Explore how Capgemini’s Connected autonomous planning fine-tunes Consumer Products Company’s operations for manufacturing, transport, procurement, and virtually every other aspect of the supply-value network in a touchless, autonomous way.
Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle.
Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.
Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity.
Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.
The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities.
Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.
Similar to other financial services domains, payments is evolving into an open ecosystem. The EU’s Payment Services Directive (PSD2) pioneered open banking by encouraging banks and established payments players to securely open the systems to foster competition, innovation, and more customer choices. In tandem with non-cash transaction growth, regulations are driving banks and payments firms to expand their array of payment methods and channels. Governments are encouraging financial inclusion by also promoting the adoption of non-cash payments. Increasingly, merchants and corporates seek to offer alternative payment systems because of widespread popularity among consumers. Alternative payments also enable merchants to provide real-time and cross-border payments to boost business efficiency.
Banks, payment firms, card firms, BigTechs, FinTechs, and other players are continuously developing new technology to cash in on market changes. However, data breaches and fraud continue to hinder innovation as firms devote countless resources each year to address security issues. Many governments are also designing new regulations to reduce ecosystem threats. All these measures are expected to make the current ecosystem much more secure and simple for players as well as customers.
Top Trends in Payments: 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond
Builder.ai Founder Sachin Dev Duggal's Strategic Approach to Create an Innova...Ramesh Iyer
In today's fast-changing business world, Companies that adapt and embrace new ideas often need help to keep up with the competition. However, fostering a culture of innovation takes much work. It takes vision, leadership and willingness to take risks in the right proportion. Sachin Dev Duggal, co-founder of Builder.ai, has perfected the art of this balance, creating a company culture where creativity and growth are nurtured at each stage.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
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
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
Elevating Tactical DDD Patterns Through Object CalisthenicsDorra BARTAGUIZ
After immersing yourself in the blue book and its red counterpart, attending DDD-focused conferences, and applying tactical patterns, you're left with a crucial question: How do I ensure my design is effective? Tactical patterns within Domain-Driven Design (DDD) serve as guiding principles for creating clear and manageable domain models. However, achieving success with these patterns requires additional guidance. Interestingly, we've observed that a set of constraints initially designed for training purposes remarkably aligns with effective pattern implementation, offering a more ‘mechanical’ approach. Let's explore together how Object Calisthenics can elevate the design of your tactical DDD patterns, offering concrete help for those venturing into DDD for the first time!
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
5. We did this:
5
6 insourced super
smart development teams
A forum where
customer meets
super smart coders
Extreme business focus
Extreme customer focus
7. 2016-10-13 7e-handel
”PostNord’s e-tools have gone from
hopelessly behind
to market leading in two years
– we are impressed”
Nordic multinational retail company in August 2016
We got this:
Explaining Digitalization for Logistics:
Evergrowing value of the logistics product comes from the digital side.
In the end, most of the value will be from the digital side of the product (which in turns opens up to industry distruption)
New competitors who are born digital.
Postnord moving from being a process company to a service company having huge impact on IT (and the mindset of IT)
If we want to take on Amazon (digitally) we need to be world class as they are the best in the world.
When the core value of the products shifts towards the digital, we need to shift competence accordingly. PostNord are insourcing (the business development part of) IT again.
We wanted to cut out waste and put the business need in direct contact with world class digital problem solvers.
We did by creating 6 development teams (first piloting with one and then two).
We created a forum called Logistic Labs
We have an extreme customer focus
And deep logistic knowledge
And a totally different set of rules from the old, process oriented IT.
Fast, cheap, try and fail, dont get fat and lazy. Meet the customers – every day.
What we DO gets done –not what we plan, measure or dream of.
After two years we now have the best digital customer interface in the business - by far!
Nordic Customer Portal
Built to give e-commerce companies (and their Customer Services) superb visibility into our logistics. Not new as such but ours are confirmed the best and most flexible (yet cheap to operate)
Building on our expertice of in store systems (from our own retail business) we launced collect in store – this enables ecommerce companies to use their own stores as pick up locations – moving them towards the benefits of omnichannel instantly and with out investment.
We think this will be a big hit for PostNord and initial data really supports that!
Retailers have reported upsell of 100 percent on customers that comes into their stores.
We also reinvent the system in our own retail stores – building to support the Customers processes (where the old systems were built to cater for PostNords processes).
This is a platform for innovations, but things like digital queues where you can do shopping or other things while we make ready the parcel for you, is now possible.
This converts queueing to shopping time to the benefit of the retail store (where we normally have our parcel shops as shop-in-shop) and the customer. As well as PostNord
We fuel a lot of more innovations like Flexchange and digital ID – all totally impossible to develop in the “old” world.
Our stuff is also really liked by the customers, here shown by ratings on Appstore.
We are also doing real innovations with customers – like Volvo deliver in car – delivered by our teams in weeks. We got tons of publicity for that, even in US news.
And Wall Street Journal came and made a big piece on our Delivery in Fridge- concept (where we used a digital lock to enter homes) – a service that we now will take into operation in larger scale. Our teams did all of the setup, development and even marketing and negotiation with the customer involved.