The document discusses the evolution of financial services (Financial Services 2.0) driven by innovation, disruption, automation, and rebuilding trust through technologies like blockchain, distributed ledgers, peer-to-peer networks, big data, artificial intelligence, the Internet of Things, and smart contracts. It outlines how these technologies are driving changes in business models, forcing corporations to adapt, and creating implications across the economy, technology, and financial services industry. Specifically, it notes that business models will evolve through distributed ledgers, digital identity, smart contracts, and embracing the "Internet of Value." Corporations will need to adapt through more software/smart contracts, skilled staff, agility, and disrupting disruptors. Implications include transition
This conference will contextualise the evolution of IT, examining the changing role of technology within the business and the inherent implications for IT personnel. The event is geared for senior IT, business and finance leaders, providing a unique forum for knowledge exchange, discussion and high-level networking.
Core topics
• IT Evolution: the changing role of IT within the business
• Leadership: strategy, culture and collaboration
• XaaS: the shift from asset to service-based consumption
• ITAM: IT Asset Management and procurement
• Managed Services: vendor management and Service Level Agreements
• Governance: information security, GDPR and data protection
• DevOps: Agile process, faster delivery, greater collaboration
The presentation from the keynote address delivered by H.E. Dr Hessa Al-Jaber, Minister of Information and Communications Technology, State of Qatar at the 2015 installment of the Euromoney Qatar Conference in Doha.
Technology is completely changing the face of financial services, driving disruption, displacement and disintermediation within the sector. This has lowered the barriers to entry, opened the door to new market entrants and created fertile ground for innovation and growth.
These market disruptions have also forged new alliances between start-ups and incumbents, blurring the lines of distinction between finance and technology and creating a wave of cross-sector collaboration.
Fintech 2018 will explore technological innovation across the financial services sector, from developments in established tier-1 firms to the disruptive innovators within the start-up community that are reshaping the FS market.
Core conference topics will include:
• Landscape: Trends, Culture, Trust, Transparency, Geo-political Climate
• Regulation: GDPR, MiFID II, PSD2, Open Banking, APIs
• Customer Strategy: Engagement, UX, Data Insight, Marketing & ML
• Emerging Tech: Blockchain, Analytics, AI, Payments, Automation
• National Strategy: Skills, Funding, Collaboration, Cyber Security
• Infrastructure: IT, Digital, Cloud, Mobile, XaaS
20151210 Presentatie 'Being Agile in a FinTech World'Pascal Spelier
In deze presentatie aandacht voor de impact van FinTech op de waardeketen voor de financiële sector. Wat betekenen deze ontwikkelingen voor de 'way of working' voor traditionele financiële instellingen? Eén ding is zeker, banken en verzekeraars moeten meer 'agile' werken. In de presentatie ook aandacht voor de 'Spotify way of working' bij ING.
20130618 presentation big data in financial services EnglishPascal Spelier
This document discusses the rise of big data in financial services. It notes that 90% of the world's data today was created in the past two years alone. It also discusses trends driving big data like mobility, social media, and cloud computing. The document outlines challenges around big data like siloed data and lack of skills to analyze large datasets. It provides examples of how big data is used in applications like customer segmentation, pricing and promotions, and risk assessment. Finally, it discusses opportunities and challenges around privacy and monetizing personal data.
Digital transformation holds potential for businesses through new opportunities, efficiencies and improved customer experience. However, most enterprises still struggle with digital transformation. While there are successful examples like Burberry, digital transformation remains complicated for most global organizations. In India as well, while the potential is there, most enterprises are unprepared for disruptive technologies like mobile, social and analytics and lack a unified digital strategy. Customer experience is seen as the strongest driver of digital transformation efforts, though impacting business operations and models is more difficult. CIOs now must lead digital transformations, but many Indian CIOs still lack maturity and understanding of what is required despite acknowledging the significance of going digital. Establishing return on investment for digital technologies and deciding where to
The document contains advance praise from numerous leaders in business, government, technology, and academia for the book "Digital Transformation" by Thomas Siebel. The praise highlights how the book explains the technologies of artificial intelligence, cloud computing, big data, and the internet of things that are driving massive changes in nations, industries, and corporations. Several of the endorsements emphasize that the book is an essential read for any leader seeking to understand and navigate the challenges and opportunities of digital transformation.
A significant CAGR of 53.8% during the forecast period of 2018-2023, is anticipated for the global Robo-advisory market, propelling its value to roughly USD 74 Bn, by 2023 – in contrast to its 2015 value of USD 5.9 Bn. A shift in preference towards automation, cost reduction and simplified client experiences will bring this new wave of technology to the fore in the wealth management industry. The hybrid model - an integration of human and robo-advisors – is the most prominent trend being observed in the market.
This conference will contextualise the evolution of IT, examining the changing role of technology within the business and the inherent implications for IT personnel. The event is geared for senior IT, business and finance leaders, providing a unique forum for knowledge exchange, discussion and high-level networking.
Core topics
• IT Evolution: the changing role of IT within the business
• Leadership: strategy, culture and collaboration
• XaaS: the shift from asset to service-based consumption
• ITAM: IT Asset Management and procurement
• Managed Services: vendor management and Service Level Agreements
• Governance: information security, GDPR and data protection
• DevOps: Agile process, faster delivery, greater collaboration
The presentation from the keynote address delivered by H.E. Dr Hessa Al-Jaber, Minister of Information and Communications Technology, State of Qatar at the 2015 installment of the Euromoney Qatar Conference in Doha.
Technology is completely changing the face of financial services, driving disruption, displacement and disintermediation within the sector. This has lowered the barriers to entry, opened the door to new market entrants and created fertile ground for innovation and growth.
These market disruptions have also forged new alliances between start-ups and incumbents, blurring the lines of distinction between finance and technology and creating a wave of cross-sector collaboration.
Fintech 2018 will explore technological innovation across the financial services sector, from developments in established tier-1 firms to the disruptive innovators within the start-up community that are reshaping the FS market.
Core conference topics will include:
• Landscape: Trends, Culture, Trust, Transparency, Geo-political Climate
• Regulation: GDPR, MiFID II, PSD2, Open Banking, APIs
• Customer Strategy: Engagement, UX, Data Insight, Marketing & ML
• Emerging Tech: Blockchain, Analytics, AI, Payments, Automation
• National Strategy: Skills, Funding, Collaboration, Cyber Security
• Infrastructure: IT, Digital, Cloud, Mobile, XaaS
20151210 Presentatie 'Being Agile in a FinTech World'Pascal Spelier
In deze presentatie aandacht voor de impact van FinTech op de waardeketen voor de financiële sector. Wat betekenen deze ontwikkelingen voor de 'way of working' voor traditionele financiële instellingen? Eén ding is zeker, banken en verzekeraars moeten meer 'agile' werken. In de presentatie ook aandacht voor de 'Spotify way of working' bij ING.
20130618 presentation big data in financial services EnglishPascal Spelier
This document discusses the rise of big data in financial services. It notes that 90% of the world's data today was created in the past two years alone. It also discusses trends driving big data like mobility, social media, and cloud computing. The document outlines challenges around big data like siloed data and lack of skills to analyze large datasets. It provides examples of how big data is used in applications like customer segmentation, pricing and promotions, and risk assessment. Finally, it discusses opportunities and challenges around privacy and monetizing personal data.
Digital transformation holds potential for businesses through new opportunities, efficiencies and improved customer experience. However, most enterprises still struggle with digital transformation. While there are successful examples like Burberry, digital transformation remains complicated for most global organizations. In India as well, while the potential is there, most enterprises are unprepared for disruptive technologies like mobile, social and analytics and lack a unified digital strategy. Customer experience is seen as the strongest driver of digital transformation efforts, though impacting business operations and models is more difficult. CIOs now must lead digital transformations, but many Indian CIOs still lack maturity and understanding of what is required despite acknowledging the significance of going digital. Establishing return on investment for digital technologies and deciding where to
The document contains advance praise from numerous leaders in business, government, technology, and academia for the book "Digital Transformation" by Thomas Siebel. The praise highlights how the book explains the technologies of artificial intelligence, cloud computing, big data, and the internet of things that are driving massive changes in nations, industries, and corporations. Several of the endorsements emphasize that the book is an essential read for any leader seeking to understand and navigate the challenges and opportunities of digital transformation.
A significant CAGR of 53.8% during the forecast period of 2018-2023, is anticipated for the global Robo-advisory market, propelling its value to roughly USD 74 Bn, by 2023 – in contrast to its 2015 value of USD 5.9 Bn. A shift in preference towards automation, cost reduction and simplified client experiences will bring this new wave of technology to the fore in the wealth management industry. The hybrid model - an integration of human and robo-advisors – is the most prominent trend being observed in the market.
Tech trends 2018 the symphonic enterprise (deloitte)ARTOTEL Academy
The document summarizes emerging technology trends for 2018, focusing on the theme of the "symphonic enterprise" where different technologies work together harmoniously.
It discusses how past technology transformations focused on individual domains like cloud, analytics, and big data, but now organizations are taking a more holistic approach to disruption. Technologies like blockchain, cognitive technologies, and digital reality are redefining business and can fundamentally reshape how work gets done when combined.
The document introduces the concept of the "symphonic enterprise" where strategy, technology, and operations work together across boundaries for greater impact, blurring old lines between functions. It provides an example of how finance and supply chain could converge in the future through technologies to create new
This document discusses the importance of business process management (BPM) for IT organizations. It provides advice on how to get started with BPM, including piloting high-impact projects and publicizing successes. BPM allows organizations to standardize and improve processes, delivering solutions faster, better, and cheaper. The future of BPM is bright as tools become more intuitive and integrated, allowing businesses to monitor and improve processes in real-time. Choosing a "Best of Value" platform over "Best of Breed" can provide significant cost savings while still meeting needs.
Here are a few of the disruptions we have picked up in the finance sector and how you can take your future into your own hands by transforming your company.
http://www.dearmedia.be/digital-transformation/
This document discusses how artificial intelligence is transforming the financial services industry. It begins by describing how AI technologies like chatbots, robotic process automation, and augmented intelligence are automating tasks and creating hybrid digital-human workforces. This reduces costs and processing times. The document also discusses how fintech partnerships are bringing new digitally-based processes and helping traditional financial institutions innovate. Finally, it explains that while AI provides opportunities, financial institutions must invest in integrating technologies and developing new operating models to fully realize the benefits of AI.
Palestra sobre conceitos Big data no evento IDETI em SP. Aborda o que é Big data, debate alguns beneficios e desafios. Debate também o papel do CDO- Chief Data Officer.
The document discusses how four key forces - digital technologies, big data and analytics, risk management, and stakeholder demands - are transforming the finance function. It outlines seven steps for the finance function to evolve as an agent of change: 1) Re-align the operating model 2) Drive integration 3) Raise new finance talent 4) Reimagine processes 5) Automate reporting 6) Use dynamic planning 7) Leverage big data analytics. The finance function needs to rapidly adapt to these changes and leverage new technologies in order to provide value through innovation rather than just reporting.
Digital Transformation How Digital Disruption is redefining the industries an...technology_forum
1) Digital transformation is being driven by technologies like the Internet of Everything, which connects people, processes, data and things.
2) Most companies will attempt digital transformation initiatives by 2020 but only 30% will be successful due to lack of skills and expertise.
3) Digital disruption is pulling industries towards a digital center and normal, with technology, media and retail being the most vulnerable to disruption.
4) Next generation cyber threat defense can provide enhanced security while simplifying operations and reducing costs through improved network visibility, automated tuning, and advanced malware protection.
The document discusses the modern finance organization in the digital age. It describes how digital technologies like cloud, social, mobile and big data are transforming industries and business models. This is creating new tensions as the C-suite tries to prioritize initiatives for customer focus, social media, and data demands. Forward-looking CFOs are creating modern finance organizations that can support agile digital business models through new best practices for key processes like reporting, planning, procurement and project management. Modern CFOs also act as business catalysts and technology evangelists to identify needs and partner across the organization.
Digital Transformation - Rethink The Business in The Digital Age
Digital transformation is the integration of digital technology into all areas of a business, fundamentally changing how you operate and deliver value to customers.
It's also a cultural change that requires organizations to continually challenge the status quo, experiment, and get comfortable with failure.
www.heruwijayanto.com
CMO insights- IBM Institute for Business ValuePaul Writer
This document summarizes insights from a study of 524 chief marketing officers (CMOs). It finds that:
1) While CMOs are gaining influence, few have built robust digital capabilities, with only 20% setting up social networks and 13% integrating customer touchpoints.
2) CMOs fall into three categories: Traditionalists challenged by new technologies; Social Strategists building social media infrastructure; and Digital Pacesetters prepared for data and social/mobile customers.
3) Digital Pacesetters who invest heavily in analytics throughout the customer lifecycle and integrate internal/external data help their companies financially outperform at higher rates.
The conference will contextualise the changing regulatory landscape, considering the business impact of the GDPR and DPA (2018) and how it is changing policy and process in practice.
When GDPR came into force in May it significantly raised the bar of obligation and accountability, ensuring that all organisations who handle personal data adhere to strict regulations around privacy, security and consent. 6 months on from implementation, the conference will consider how data protection procedure has moved on, with insight from frontline practitioners reflecting on how practices within their organisation have changed.
The event will also provide an update from the regulator; exploring regulatory action policy, decision making for fines and penalties, and clarifying some of the most prominent areas of misconception and non-compliance.
Core conference topics include:
• Key legal issues and obligations
• Data security and encryption
• Privacy Impact Assessments
• Databases, data mapping and classification
• Privacy by design
• Practical strategy implementation
Innovation and digital disruption in professional servicesTapmint
This is a presentation for http://tapmint.com which I gave internally at one of the world's largest professional services firms. It discusses digital disruption in financial services, professional services and accounting services.
Various models of corporate innovation are also highlighted. Case studies of 3 companies are provided - Suncorp Group, Sensis and Carsales. Finally, I provide some thoughts on implementation.
This document discusses the importance and opportunities of digital transformation for organizations, especially in the banking and financial services sector. It defines what constitutes a truly digital organization as one that leverages digital technology strategically and uses a two-speed architecture to ensure stability while embracing agility and change. Managing the transformation journey requires dealing with cultural issues and having a long term view that integrates systems and data sources. Leadership buy-in and ongoing adaptation are also critical to the success and sustainability of digital initiatives.
This document discusses digital transformation strategies for businesses. It covers several topics:
1. It outlines BCG's four-phase approach to digital transformation: education, clarification, acceleration, and scaling up projects. This helps companies integrate new technologies and prepare for future innovations.
2. It also discusses an IBM study that found customer experience should be the central focus of digital transformation, not just products or processes. Data and cognitive processes can be used to better understand customers and adapt interactions accordingly.
3. IBM's pillars for supporting digital transformation are also summarized: design thinking, platforms, academies, and factories to experiment, innovate and industrialize digital changes.
Deloitte University Press - Tech trends2016Phuong Bi
Tech Trends features perspectives from client executives, industry and academic luminaries,
and our global network of Deloitte professionals, all exploring major trends that are helping
organizations innovate in the digital era. We also examine the roadmaps and investment priorities
of start-ups, venture capitalists, and leading technology vendors.
As you read the following chapters, we challenge you to think beyond the “what” of digital
innovation—the shiny objects, applications, and capabilities—to the “so what”—how you will
harness emerging trends, innovation, and disruption to create real business value. Viewing the
horizon through this paradigm, recognize that the precision to which we’ve all become accustomed
may no longer be a given; in the age of digital innovation, we are exploring largely uncharted
territory. Moreover, any digital transformation journey should also address the more practical
realities of today—reimagining core systems, industrializing analytics capabilities, building
autonomic platforms—which are by no means trivial.
Over the next 18–24 months, the only constant may be the specter of constant change. Amid this
turmoil, organizations that can confidently and purposefully harness technology trends will find
great opportunities to refocus, to revitalize, or even to inspire. Think beyond incremental adoption
patterns. Look not only for ways to do familiar things differently, but also to do fundamentally
different things. Launch new processes, products, and services, and seek out new ways to compete.
No matter what the scope, the time for you to act is now. Build tomorrow, starting today.
Techno vision 2012 bringing business technology to life - capgemini - digit...Rick Bouter
The document discusses Capgemini's TechnoVision 2012 report, which identifies seven clusters of emerging technologies and how they will impact businesses. The top clusters include technologies like rich internet applications and user portals that will transform the user experience. The middle clusters focus on flexible business processes and data insights. The bottom clusters provide stable utility-style services to support digital transformations. The report aims to help companies understand relevant technologies and develop effective IT strategies.
Vital Trends in Digital Experience and Transformation in 2016 | Dreamforce 20...Dion Hinchcliffe
Here's the deck I presented at the Emerging Tech Trends track at the Hilton Union Square at Dreamforce 2016 last week. Updates on trends from last year and new trends both are included. A thorough list of what your organization should be considering from both a technology standpoint and as a business.
The document provides an overview of technology trends for 2021, covering topics such as strategy, core systems, supply chains, AI, data, security, digital workplaces, and diversity/equity. It highlights case studies and insights on aligning corporate and technology strategy, modernizing legacy systems, transforming supply chains with new technologies, industrializing AI initiatives, managing machine-generated data, adopting zero-trust security models, creating flexible digital workplaces, and using technology to promote inclusion. The trends suggest organizations are accelerating digital transformations to respond to disruptions and changing customer expectations in the wake of the COVID-19 pandemic.
A step-by-step guide to deploying your first Hello World chaincode onto Hyperledger Fabric.
These slides were created by James Bowkett, Principal Consultant at Excelian.
The document discusses technology roadmapping. It outlines some key benefits of roadmapping, such as enabling high-level integrated planning, identifying gaps and opportunities, and supporting communication. Some challenges are that roadmapping is not a perfect solution and requires ongoing maintenance. The document also contrasts market-pull versus technology-push approaches and how the most effective roadmaps merge these perspectives. It describes how technology roadmapping can link resources and capabilities to business objectives and strategic plans over time.
Architecture of the Hyperledger Blockchain Fabric - Christian Cachin - IBM Re...Romeo Kienzler
This document summarizes the architecture of the Hyperledger blockchain fabric framework. It describes how Hyperledger fabric implements a permissioned blockchain using Byzantine Fault Tolerant (BFT) consensus. Key aspects covered include the use of smart contracts, separation of transaction endorsement from ordering, and how privacy and confidentiality are achieved through techniques like pseudonymous transactions and encrypted state. The document also discusses ongoing work to further improve scalability and flexibility of the Hyperledger fabric design.
Introduction to Blockchain and the Hyperledger ProjectManuel Garcia
Does The Hyperledger Project have the potential to become the engine behind most successful decentralized applications and organizations created in the next 25-50 years? Absolutely!
A much better question is how, and in what new ways, can we:
a) Build decentralized applications, organizations and APIs at 10x the speed at 1/10 the cost.
b) Build situational awareness in the local community.
I believe that the convergence of decentralized applications, decentralized organizations, artificial intelligence and IoT brings upon us the Great Displacement of the 21st century, where the majority of workforce will be left without “conventional” jobs, forced to learn new skills and professions. Why?
Founders of this group believe that the Hyperledger Foundation will be the engine behind decentralization of the world, a massive economic change of the next 25-50 years.
So.... why don't we standardize and democratize the field with and around Hyperledger?
What?
We are a local micro community of those interested in advancing their knowledge of Hyperledger, its use cases and applications.
How?
Join our group for a regular dose of human interaction, conversations, smiles, food and drinks on all things Hyperledger:
• Use Cases
• Competitive analysis of Hyperledger startups (Distributed Apps from disruptive companies in specific vertical markets)
• How-To’s
• Interviews with individuals working at the edge of the Hyperledger project
• Reviews of tools, services and APIs offered by the Hyperledger ecosystem
• Best Practices in Application Architecture
• Do’s and Don’ts
• Application Templates
• Hackathons
• Security in the decentralized world - on the edge, on the node, in the cloud and in transit
• How others solve some of the hard problems that exist in the world using Hyperledger.
https://www.hyperledger.org
https://github.com/hyperledger
Join the movement. Let’s change the world. Because with Hyperledger we can.
This slides belong to a presentation done by Manuel Garcia @ http://www.meetup.com/HyperLedger-and-Blockchain-Apps-Buenos-Aires
Tech trends 2018 the symphonic enterprise (deloitte)ARTOTEL Academy
The document summarizes emerging technology trends for 2018, focusing on the theme of the "symphonic enterprise" where different technologies work together harmoniously.
It discusses how past technology transformations focused on individual domains like cloud, analytics, and big data, but now organizations are taking a more holistic approach to disruption. Technologies like blockchain, cognitive technologies, and digital reality are redefining business and can fundamentally reshape how work gets done when combined.
The document introduces the concept of the "symphonic enterprise" where strategy, technology, and operations work together across boundaries for greater impact, blurring old lines between functions. It provides an example of how finance and supply chain could converge in the future through technologies to create new
This document discusses the importance of business process management (BPM) for IT organizations. It provides advice on how to get started with BPM, including piloting high-impact projects and publicizing successes. BPM allows organizations to standardize and improve processes, delivering solutions faster, better, and cheaper. The future of BPM is bright as tools become more intuitive and integrated, allowing businesses to monitor and improve processes in real-time. Choosing a "Best of Value" platform over "Best of Breed" can provide significant cost savings while still meeting needs.
Here are a few of the disruptions we have picked up in the finance sector and how you can take your future into your own hands by transforming your company.
http://www.dearmedia.be/digital-transformation/
This document discusses how artificial intelligence is transforming the financial services industry. It begins by describing how AI technologies like chatbots, robotic process automation, and augmented intelligence are automating tasks and creating hybrid digital-human workforces. This reduces costs and processing times. The document also discusses how fintech partnerships are bringing new digitally-based processes and helping traditional financial institutions innovate. Finally, it explains that while AI provides opportunities, financial institutions must invest in integrating technologies and developing new operating models to fully realize the benefits of AI.
Palestra sobre conceitos Big data no evento IDETI em SP. Aborda o que é Big data, debate alguns beneficios e desafios. Debate também o papel do CDO- Chief Data Officer.
The document discusses how four key forces - digital technologies, big data and analytics, risk management, and stakeholder demands - are transforming the finance function. It outlines seven steps for the finance function to evolve as an agent of change: 1) Re-align the operating model 2) Drive integration 3) Raise new finance talent 4) Reimagine processes 5) Automate reporting 6) Use dynamic planning 7) Leverage big data analytics. The finance function needs to rapidly adapt to these changes and leverage new technologies in order to provide value through innovation rather than just reporting.
Digital Transformation How Digital Disruption is redefining the industries an...technology_forum
1) Digital transformation is being driven by technologies like the Internet of Everything, which connects people, processes, data and things.
2) Most companies will attempt digital transformation initiatives by 2020 but only 30% will be successful due to lack of skills and expertise.
3) Digital disruption is pulling industries towards a digital center and normal, with technology, media and retail being the most vulnerable to disruption.
4) Next generation cyber threat defense can provide enhanced security while simplifying operations and reducing costs through improved network visibility, automated tuning, and advanced malware protection.
The document discusses the modern finance organization in the digital age. It describes how digital technologies like cloud, social, mobile and big data are transforming industries and business models. This is creating new tensions as the C-suite tries to prioritize initiatives for customer focus, social media, and data demands. Forward-looking CFOs are creating modern finance organizations that can support agile digital business models through new best practices for key processes like reporting, planning, procurement and project management. Modern CFOs also act as business catalysts and technology evangelists to identify needs and partner across the organization.
Digital Transformation - Rethink The Business in The Digital Age
Digital transformation is the integration of digital technology into all areas of a business, fundamentally changing how you operate and deliver value to customers.
It's also a cultural change that requires organizations to continually challenge the status quo, experiment, and get comfortable with failure.
www.heruwijayanto.com
CMO insights- IBM Institute for Business ValuePaul Writer
This document summarizes insights from a study of 524 chief marketing officers (CMOs). It finds that:
1) While CMOs are gaining influence, few have built robust digital capabilities, with only 20% setting up social networks and 13% integrating customer touchpoints.
2) CMOs fall into three categories: Traditionalists challenged by new technologies; Social Strategists building social media infrastructure; and Digital Pacesetters prepared for data and social/mobile customers.
3) Digital Pacesetters who invest heavily in analytics throughout the customer lifecycle and integrate internal/external data help their companies financially outperform at higher rates.
The conference will contextualise the changing regulatory landscape, considering the business impact of the GDPR and DPA (2018) and how it is changing policy and process in practice.
When GDPR came into force in May it significantly raised the bar of obligation and accountability, ensuring that all organisations who handle personal data adhere to strict regulations around privacy, security and consent. 6 months on from implementation, the conference will consider how data protection procedure has moved on, with insight from frontline practitioners reflecting on how practices within their organisation have changed.
The event will also provide an update from the regulator; exploring regulatory action policy, decision making for fines and penalties, and clarifying some of the most prominent areas of misconception and non-compliance.
Core conference topics include:
• Key legal issues and obligations
• Data security and encryption
• Privacy Impact Assessments
• Databases, data mapping and classification
• Privacy by design
• Practical strategy implementation
Innovation and digital disruption in professional servicesTapmint
This is a presentation for http://tapmint.com which I gave internally at one of the world's largest professional services firms. It discusses digital disruption in financial services, professional services and accounting services.
Various models of corporate innovation are also highlighted. Case studies of 3 companies are provided - Suncorp Group, Sensis and Carsales. Finally, I provide some thoughts on implementation.
This document discusses the importance and opportunities of digital transformation for organizations, especially in the banking and financial services sector. It defines what constitutes a truly digital organization as one that leverages digital technology strategically and uses a two-speed architecture to ensure stability while embracing agility and change. Managing the transformation journey requires dealing with cultural issues and having a long term view that integrates systems and data sources. Leadership buy-in and ongoing adaptation are also critical to the success and sustainability of digital initiatives.
This document discusses digital transformation strategies for businesses. It covers several topics:
1. It outlines BCG's four-phase approach to digital transformation: education, clarification, acceleration, and scaling up projects. This helps companies integrate new technologies and prepare for future innovations.
2. It also discusses an IBM study that found customer experience should be the central focus of digital transformation, not just products or processes. Data and cognitive processes can be used to better understand customers and adapt interactions accordingly.
3. IBM's pillars for supporting digital transformation are also summarized: design thinking, platforms, academies, and factories to experiment, innovate and industrialize digital changes.
Deloitte University Press - Tech trends2016Phuong Bi
Tech Trends features perspectives from client executives, industry and academic luminaries,
and our global network of Deloitte professionals, all exploring major trends that are helping
organizations innovate in the digital era. We also examine the roadmaps and investment priorities
of start-ups, venture capitalists, and leading technology vendors.
As you read the following chapters, we challenge you to think beyond the “what” of digital
innovation—the shiny objects, applications, and capabilities—to the “so what”—how you will
harness emerging trends, innovation, and disruption to create real business value. Viewing the
horizon through this paradigm, recognize that the precision to which we’ve all become accustomed
may no longer be a given; in the age of digital innovation, we are exploring largely uncharted
territory. Moreover, any digital transformation journey should also address the more practical
realities of today—reimagining core systems, industrializing analytics capabilities, building
autonomic platforms—which are by no means trivial.
Over the next 18–24 months, the only constant may be the specter of constant change. Amid this
turmoil, organizations that can confidently and purposefully harness technology trends will find
great opportunities to refocus, to revitalize, or even to inspire. Think beyond incremental adoption
patterns. Look not only for ways to do familiar things differently, but also to do fundamentally
different things. Launch new processes, products, and services, and seek out new ways to compete.
No matter what the scope, the time for you to act is now. Build tomorrow, starting today.
Techno vision 2012 bringing business technology to life - capgemini - digit...Rick Bouter
The document discusses Capgemini's TechnoVision 2012 report, which identifies seven clusters of emerging technologies and how they will impact businesses. The top clusters include technologies like rich internet applications and user portals that will transform the user experience. The middle clusters focus on flexible business processes and data insights. The bottom clusters provide stable utility-style services to support digital transformations. The report aims to help companies understand relevant technologies and develop effective IT strategies.
Vital Trends in Digital Experience and Transformation in 2016 | Dreamforce 20...Dion Hinchcliffe
Here's the deck I presented at the Emerging Tech Trends track at the Hilton Union Square at Dreamforce 2016 last week. Updates on trends from last year and new trends both are included. A thorough list of what your organization should be considering from both a technology standpoint and as a business.
The document provides an overview of technology trends for 2021, covering topics such as strategy, core systems, supply chains, AI, data, security, digital workplaces, and diversity/equity. It highlights case studies and insights on aligning corporate and technology strategy, modernizing legacy systems, transforming supply chains with new technologies, industrializing AI initiatives, managing machine-generated data, adopting zero-trust security models, creating flexible digital workplaces, and using technology to promote inclusion. The trends suggest organizations are accelerating digital transformations to respond to disruptions and changing customer expectations in the wake of the COVID-19 pandemic.
A step-by-step guide to deploying your first Hello World chaincode onto Hyperledger Fabric.
These slides were created by James Bowkett, Principal Consultant at Excelian.
The document discusses technology roadmapping. It outlines some key benefits of roadmapping, such as enabling high-level integrated planning, identifying gaps and opportunities, and supporting communication. Some challenges are that roadmapping is not a perfect solution and requires ongoing maintenance. The document also contrasts market-pull versus technology-push approaches and how the most effective roadmaps merge these perspectives. It describes how technology roadmapping can link resources and capabilities to business objectives and strategic plans over time.
Architecture of the Hyperledger Blockchain Fabric - Christian Cachin - IBM Re...Romeo Kienzler
This document summarizes the architecture of the Hyperledger blockchain fabric framework. It describes how Hyperledger fabric implements a permissioned blockchain using Byzantine Fault Tolerant (BFT) consensus. Key aspects covered include the use of smart contracts, separation of transaction endorsement from ordering, and how privacy and confidentiality are achieved through techniques like pseudonymous transactions and encrypted state. The document also discusses ongoing work to further improve scalability and flexibility of the Hyperledger fabric design.
Introduction to Blockchain and the Hyperledger ProjectManuel Garcia
Does The Hyperledger Project have the potential to become the engine behind most successful decentralized applications and organizations created in the next 25-50 years? Absolutely!
A much better question is how, and in what new ways, can we:
a) Build decentralized applications, organizations and APIs at 10x the speed at 1/10 the cost.
b) Build situational awareness in the local community.
I believe that the convergence of decentralized applications, decentralized organizations, artificial intelligence and IoT brings upon us the Great Displacement of the 21st century, where the majority of workforce will be left without “conventional” jobs, forced to learn new skills and professions. Why?
Founders of this group believe that the Hyperledger Foundation will be the engine behind decentralization of the world, a massive economic change of the next 25-50 years.
So.... why don't we standardize and democratize the field with and around Hyperledger?
What?
We are a local micro community of those interested in advancing their knowledge of Hyperledger, its use cases and applications.
How?
Join our group for a regular dose of human interaction, conversations, smiles, food and drinks on all things Hyperledger:
• Use Cases
• Competitive analysis of Hyperledger startups (Distributed Apps from disruptive companies in specific vertical markets)
• How-To’s
• Interviews with individuals working at the edge of the Hyperledger project
• Reviews of tools, services and APIs offered by the Hyperledger ecosystem
• Best Practices in Application Architecture
• Do’s and Don’ts
• Application Templates
• Hackathons
• Security in the decentralized world - on the edge, on the node, in the cloud and in transit
• How others solve some of the hard problems that exist in the world using Hyperledger.
https://www.hyperledger.org
https://github.com/hyperledger
Join the movement. Let’s change the world. Because with Hyperledger we can.
This slides belong to a presentation done by Manuel Garcia @ http://www.meetup.com/HyperLedger-and-Blockchain-Apps-Buenos-Aires
This document discusses different types and levels of innovation including product, process, and strategy innovation. It also describes five models for managing innovation: the suggestion system, continuous improvement teams, new venture teams, incubator lab, and innovation teams. The key aspects of each model are outlined. The document concludes with recommendations for developing an innovation strategy such as scanning for opportunities, challenging industry assumptions, and focusing on value creation throughout the new product development process.
This document discusses the rapidly changing landscape of technology in the financial services industry from 2020 and beyond. It identifies 10 key technology trends that will impact financial institutions, including the rise of fintech driving new business models, adoption of blockchain, increased use of customer data analytics, growth of cloud computing and cybersecurity risks. The document urges financial institution executives to develop clear technology strategies to navigate these changes and compete successfully in the future.
Digital transformation involves using digital technologies like analytics, cloud computing, and mobility to radically change how a company operates in three key areas: how it creates value, interacts with customers/partners, and competes. It extends beyond technology companies and requires leadership, focus on customer experience, and embracing digital capabilities. To successfully transform, companies should conduct a self-assessment, define a vision and roadmap, invest in tools, innovate processes, implement governance, and build capabilities.
Cloud Automation Solutions (CAS) is a leading provider of IT lifecycle management services that helps clients efficiently manage projects and resources by selecting, implementing, and integrating cloud automation technologies. Led by CEO Robert Whitwell, CAS works with clients to evaluate growth demands, minimize complexity in cloud environments, and ensure a quick return on IT investments through comprehensive solutions and services. CAS focuses on an innovative team culture and strategic execution to transform how enterprises adopt and benefit from cloud computing technologies.
Digital Transformation and Next Gen Technology Study 2023Tam Luong
The document is a summary of a study on digital transformation in the financial services industry. Some key findings include:
- Digital transformation is now mainstream, with over half of participants agreeing it is their most important strategic initiative. However, legacy systems still hold many back.
- Firms are increasing spending on technologies like AI, cloud computing, and blockchain, seeing tangible returns. Leaders are expanding AI use enterprise-wide and centralizing data.
- Challenges remain around balancing innovation with daily operations, budget and skills shortages. Replacing legacy systems is a top priority for non-Leaders.
- Emerging technologies like blockchain, quantum computing, and edge computing could further disrupt the industry, but investment is more cautious
Paul Hermelin Capgemini Chairman and CEO at the Capgemini Infrastructure Summit last January highlighted the conflicting tensions within IT organizations, particularly in light of the fact that IT system limitations are among the top three most significant barriers to business digitization.
IT departments have a short window to become “ sexy” again in the eyes of their clients. To overcome challenges by shadow IT and the rapid pace of business change, CIOs must pull two triggers simultaneously—technological innovation and organizational transformation.
To overcome those challenges this paper illustrates:
- The need for IT organizations to accelerate their move to the Cloud to deliver value in the digital age
- Use cases where IT can act as a business partner for digital innovation
- Principles to shape your next IT delivery model
- Key success factors on how to get there
Blockchain, IoT and AI are foundational to the Fourth Industrial Revolution -...David Terrar
Blockchain, IoT, and AI are foundational technologies for the fourth industrial revolution. The document discusses each technology and argues they should be factored into business planning. Blockchain allows trust between parties without intermediaries. IoT connects devices that generate large amounts of data. AI is now practical due to advances in machine learning. Real-world examples show the technologies' benefits in industries like shipping, food supply chains, and manufacturing. Adoption is increasing as businesses recognize the opportunities these technologies provide.
We are going through a crucial phase of IT innovations leading to business disruption forcing the ‘C’ Level executives to come out of their comfort zone.
It is no more about “How to keep the lights on ?“
It is all about “How to survive this digital storm?”
Shift in IT solutions from “Centralized to Distributed” , “Private to Public”, “Safe to Fail” , “Lean IT to Clean IT” drives the race.
Technology and business both have the golden touch; they just don’t change into gold whatever they touch but something more valuable than gold. They are revolutionizing each and every element of our lives. The latest technological and business achievements have triggered unexpected trends with broader impact on very human aspect. And in 2019, we expect drastic exponential changes in every possible direction. Advanced tech like AI will transform the entire industries, making way for infinite business opportunities.
In this latest edition, we will focus on such future thinking companies and their revolutionizing services that are changing the face of business sector.
The Silicon Review “Super 30 Companies of the Year 2019.” These companies are not only distinctly ahead among the peers, but are helping other companies to gain momentum along with them. The companies that are enlisted provide most innovative solutions to solve IT industry’s toughest challenges and distinguish themselves by their ability to forecast future business and technology trends. In simple words, these companies are helping the people better understand the world.
Lean Digital Enterprise Evolution in a Hyper Connected World VSR *
Hyperconnectivity is changing the business landscape, requiring organizations to become "lean digital enterprises" that can quickly respond to changing needs. This will involve new approaches to developing highly interconnected applications (HCAs) that integrate people, processes, products and things. The document outlines challenges for CXOs and proposes a new lean digital technology foundation and development approach using tools like CollabNet TeamForge to efficiently create HCAs.
Financial Services: Digital Platforms, Ecosystems and Marketplaces. itnewsafrica
Digital Finance Africa 2022 - https://itnewsafrica.com/event/ -hosted by IT News Africa is the definitive annual event on technology leadership in the
financial services industry. It asks the hard questions not asked in other
conferences, and identifies the skills required to steer a course in an age
where the entire industry is transforming rapidly. This is a Summit for bold,
visionary leaders who are willing to take calculated risks as much as they
are willing to consolidate, who know what to give up as much as what they
expect to gain.
The document discusses how people's relationships and expectations of technology are changing and conflicting with businesses' models for delivering technology. It argues that to survive this "tech-clash," businesses need to rethink core models and assumptions about how people interact with technology. Specifically, it suggests that companies challenge existing models to create new ones focused on trust, transparency, and putting people at the center. The document provides examples of new models like Solid and KTDI that give individuals more control over their personal data.
The document discusses how digital disruption is driving a transition to a new digital economy. It notes that 52% of Fortune 500 companies have been replaced since 2000 due to digital disruption. The new digital economy is driven by the convergence of social, mobile, analytics, big data, cloud computing and other technologies, creating both disruption and opportunities for innovation. It provides examples of how industries like transportation, education, finance and telecommunications may be disrupted. It argues that big companies need to undergo digital transformation to remain competitive in this new environment.
Greetings from Virtue Insight,
I am happy to invite you and your colleagues to be a sponsor/ delegate for our upcoming “IoT Asia Summit 2015” The conference will be held on 07th October 2015, Matthan Hotel, India.
KEY SPEAKERS:-
• Ochintya Sharma, Vice President, Samsung India
• Rajnish Menon, Director, Microsoft
• Shubhashis Sengupta, VP, Accenture
• Avnish Kumar, Associate Vice President, HCL
• Lux Rao, Country Leader - HP Future Cities & CTO - Technology Services, Hp
• Uttam Kumar, Head - New Technology Innovation, Aircel
• Pavan Kumar, Sr. Product Manager ,Internet Of Things, SAP Labs
• Naveen Balani, Internet of Things (IoT) India Leader, IBM
• Bharath Lingam, CEO, [x]cube LABS
• Mukesh Taneja, Principal Engineer, Cisco
• Udayan Banerjee, VP, NIIT
• Ravi Kumar Vadaga, Head – SAP Enterprise Digital Transformation & IoT, Tech Mahindra
• Bhavani Kumar Eshwar, STSM, Master Data Management, IBM
• Viswanadh Akella, Senior Development Manager, SAP Labs
• Girish Trivedi, Co-Founder, Director, Monk Consulting
• Sagar Apte, CEO & Founder, CarIQ
Plus Many More...
ONFERENCE BOOKING DETAILS:-
• Early Bird Discounted Price - Conference Delegate Pass (INR 5,000 + Tax (14%) per delegate) - Book and Pay before 24th August 2015 avail the early bird discounted price. You can simply email or call and book your conference delegate seats on TEL: +91 9940043915. Email – swetha@virtueinsight.co.in
• Standard Price after Early Bird Discounted Time - 1 Delegate (INR 6,000 + Tax (14%) per delegate) - You can simply email or call and book your conference delegate seats on TEL: +91 9940043915. Email – swetha@virtueinsight.co.in
• Group Discounts – 2 or 3 Delegates - (INR 5,000 + Tax (14%) per delegate)
• Group Discounts – 4 or more Delegates - (INR 4,500 + Tax (14%) per delegate)
• Conference Sponsor & Exhibition Stall - Should you wish to Sponsor, or purchase a Exhibition Stall (Booth) or a paid Speaker Slot, you can simply email your interest and queries to TEL: +91 44 65515695, +91 9940043915 or swetha@virtueinsight.co.in
In case you or any of your colleagues might be interested in participating in the same, please let me know and I will be happy to call you and help you with the registration.
Thank you for your time and consideration. I look forward to hearing from you.
Thanks,
Swetha
Digital technologies hold potential to unlock new opportunities and improve customer experience, yet most enterprises are still not ready to fully embrace digital transformation. While there are successful examples like Burberry, digital transformation remains complicated for most global companies. In India as well, the concept of digital transformation is still nascent despite opportunities from growing internet and mobile access. Effective digital transformation requires integrating separate digital efforts, having a clear strategy, and addressing challenges like quickly changing technologies and skills gaps. It also demands a new visionary role from CIOs to help businesses reinvent themselves through innovative use of digital.
The Digital Shift in Financial ServicesTrustmarque
The document discusses the need for digital transformation in the financial services industry. Rapid innovation, new competitors, and increasing regulation are transforming the landscape and forcing financial institutions to change. Digital transformation is essential for financial institutions to sustain a competitive advantage by delivering innovative customer experiences, empowering employees, optimizing operations, and transforming products. This will allow them to engage customers across channels, use data to their advantage, and adapt to the realities of regulation and legacy systems.
The Digital Enterprise Vol 5 - A Framework for TransformationStuart Lamb
We outline the many aspects of digital transformation and a roadmap for getting there. This issue of Perspectives exudes the enthusiasm and capabilities that TCS has in
supporting the transformation ahead.
The document summarizes key points from Deloitte's 2016 Tech Trends report, which examines eight technology trends that will likely disrupt businesses in the next 18-24 months. These include blockchain, augmented reality, the Internet of Things, reimagining core systems, autonomic platforms, industrialized analytics, and the social impact of exponential technologies.
It discusses how every company is now a technology company and how digital innovation is driving changes across business models and competition. It also emphasizes that CIOs have an opportunity to shape their organizations' futures by transforming business as usual and harnessing innovation responsibly.
The report challenges readers to think beyond just adopting new technologies but to use emerging trends to create real business
This document provides information about an IoT Asia Summit 2015 conference to be held on October 7th, 2015 in Bangalore, India. The summit will bring together industry representatives, experts, developers and others to discuss strategies and opportunities in the Internet of Things domain.
Key themes to be discussed at the conference include new business models, products and services from IoT; emerging IoT market trends; opportunities for telcos and service providers in IoT; how enterprises should focus on IoT; and generating new business models through big data in IoT. There will be panels on the IoT ecosystem challenges and opportunities, data privacy and security, and the future of industries with IoT.
Speakers at the event include
Greetings from Virtue Insight,
I am happy to invite you and your colleagues to be a sponsor/ delegate for our upcoming “IoT Asia Summit 2015” The conference will Be held on 07th October 2015, Matthan Hotel, Bangalore, India. Please find the detailed agenda for the same with this email.
Fmd:- + 91 9171350244 or deepak@virtueinsight.co.in, deepakrajvirtueinsight@gmail.com
Similar to Financial services 2.0 Innovation, Disruption, Automation and Trust (20)
Maruthi Prithivirajan, Head of ASEAN & IN Solution Architecture, Neo4j
Get an inside look at the latest Neo4j innovations that enable relationship-driven intelligence at scale. Learn more about the newest cloud integrations and product enhancements that make Neo4j an essential choice for developers building apps with interconnected data and generative AI.
Generative AI Deep Dive: Advancing from Proof of Concept to ProductionAggregage
Join Maher Hanafi, VP of Engineering at Betterworks, in this new session where he'll share a practical framework to transform Gen AI prototypes into impactful products! He'll delve into the complexities of data collection and management, model selection and optimization, and ensuring security, scalability, and responsible use.
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
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.
In the rapidly evolving landscape of technologies, XML continues to play a vital role in structuring, storing, and transporting data across diverse systems. The recent advancements in artificial intelligence (AI) present new methodologies for enhancing XML development workflows, introducing efficiency, automation, and intelligent capabilities. This presentation will outline the scope and perspective of utilizing AI in XML development. The potential benefits and the possible pitfalls will be highlighted, providing a balanced view of the subject.
We will explore the capabilities of AI in understanding XML markup languages and autonomously creating structured XML content. Additionally, we will examine the capacity of AI to enrich plain text with appropriate XML markup. Practical examples and methodological guidelines will be provided to elucidate how AI can be effectively prompted to interpret and generate accurate XML markup.
Further emphasis will be placed on the role of AI in developing XSLT, or schemas such as XSD and Schematron. We will address the techniques and strategies adopted to create prompts for generating code, explaining code, or refactoring the code, and the results achieved.
The discussion will extend to how AI can be used to transform XML content. In particular, the focus will be on the use of AI XPath extension functions in XSLT, Schematron, Schematron Quick Fixes, or for XML content refactoring.
The presentation aims to deliver a comprehensive overview of AI usage in XML development, providing attendees with the necessary knowledge to make informed decisions. Whether you’re at the early stages of adopting AI or considering integrating it in advanced XML development, this presentation will cover all levels of expertise.
By highlighting the potential advantages and challenges of integrating AI with XML development tools and languages, the presentation seeks to inspire thoughtful conversation around the future of XML development. We’ll not only delve into the technical aspects of AI-powered XML development but also discuss practical implications and possible future directions.
How to Get CNIC Information System with Paksim Ga.pptxdanishmna97
Pakdata Cf is a groundbreaking system designed to streamline and facilitate access to CNIC information. This innovative platform leverages advanced technology to provide users with efficient and secure access to their CNIC details.
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.
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...Neo4j
Leonard Jayamohan, Partner & Generative AI Lead, Deloitte
This keynote will reveal how Deloitte leverages Neo4j’s graph power for groundbreaking digital twin solutions, achieving a staggering 100x performance boost. Discover the essential role knowledge graphs play in successful generative AI implementations. Plus, get an exclusive look at an innovative Neo4j + Generative AI solution Deloitte is developing in-house.
Alt. GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using ...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.
Enchancing adoption of Open Source Libraries. A case study on Albumentations.AIVladimir Iglovikov, Ph.D.
Presented by Vladimir Iglovikov:
- https://www.linkedin.com/in/iglovikov/
- https://x.com/viglovikov
- https://www.instagram.com/ternaus/
This presentation delves into the journey of Albumentations.ai, a highly successful open-source library for data augmentation.
Created out of a necessity for superior performance in Kaggle competitions, Albumentations has grown to become a widely used tool among data scientists and machine learning practitioners.
This case study covers various aspects, including:
People: The contributors and community that have supported Albumentations.
Metrics: The success indicators such as downloads, daily active users, GitHub stars, and financial contributions.
Challenges: The hurdles in monetizing open-source projects and measuring user engagement.
Development Practices: Best practices for creating, maintaining, and scaling open-source libraries, including code hygiene, CI/CD, and fast iteration.
Community Building: Strategies for making adoption easy, iterating quickly, and fostering a vibrant, engaged community.
Marketing: Both online and offline marketing tactics, focusing on real, impactful interactions and collaborations.
Mental Health: Maintaining balance and not feeling pressured by user demands.
Key insights include the importance of automation, making the adoption process seamless, and leveraging offline interactions for marketing. The presentation also emphasizes the need for continuous small improvements and building a friendly, inclusive community that contributes to the project's growth.
Vladimir Iglovikov brings his extensive experience as a Kaggle Grandmaster, ex-Staff ML Engineer at Lyft, sharing valuable lessons and practical advice for anyone looking to enhance the adoption of their open-source projects.
Explore more about Albumentations and join the community at:
GitHub: https://github.com/albumentations-team/albumentations
Website: https://albumentations.ai/
LinkedIn: https://www.linkedin.com/company/100504475
Twitter: https://x.com/albumentations
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
2. 2Where character is never in question and excellence is always the answer. TM
Agenda
1. WHAT is Financial Services 2.0 ? and
WHY is it happening now ? pg 3, pg 7
2. WHERE are we in the revolution ? pg 9
3. HOW is “IT” driving change ? pg 14
4. HOW will business models evolve ? pg 24
5. HOW will corporations adapt ? pg 31
6. WHAT are the implications ? pg 40
7. WHEN will impact reach the tipping point ? pg 57
3. 3Where character is never in question and excellence is always the answer. TM
WHAT is Financial Services 2.0
and
WHY is it Happening Now ?
1
4. 4Where character is never in question and excellence is always the answer. TM
WHAT is Financial Services 2.0 ?
The evolving, next generation landscape or set of financial infrastructure,
capabilities, partnerships and consumer expectations, that leverages peer-to-peer
(P2P) and advanced data technologies, to add and exchange value, reduce costs,
latencies and risks and enable new markets, products and services for the 21st
Century global marketplace.
» Replacing the outdated model of vertically integrated product segments, via:
– INNOVATION: Inclusion, Connectivity, Collaboration, Commerce, Smart Data
– DISRUPTION: Eliminating Middlemen & Frictions (Cost & Latency), FinTech investment, impact
and Convergence, Industry Redefinition, Destruction of traditional operating models, Restructured
Value Chains, Redefinition of Customer with new powers and expectations
– AUTOMATION: Internet of Value, P2P, Blockchain / DLT, Smart Contracts, IoT, Machine to
Machine Economy, Artificial Intelligence, Machine Learning, Predictive & Prescriptive Analytics
– TRUST: Rebuilding Trust with Protocols not People or Institutions, Eliminate The Middleman, Full
Transparency, Trustless Transactions, Trusted Staff and Partners
5. 5Where character is never in question and excellence is always the answer. TM
“Finance 2.0”
• Internet gave us a powerful way to share and
access information.
• Blockchain now gives us a powerful way to
share and access value.
6. 6Where character is never in question and excellence is always the answer. TM
OPAQUE TRANSLUCENT TRANSPARENT
TRUST & FRICTION DISRUPTION INNOVATION
From Centralized Trust With Middlemen Controlling
Transactions To A Trustless Transaction Economy
7. 7Where character is never in question and excellence is always the answer. TM
WHY is Financial Services 2.0 happening now ?
The 5th Wave of Productivity is driven by technology innovations and accelerated by
demographics, and the loss of trust in Financial and Governmental institutions after
the financial crisis.
» Financial Crisis of Confidence in Financial Institutions (2008)
» Launch of Bitcoin (2009), or Blockchain 1.0 - P2P movement of tokenized value aka
Programmable Money
» Over $19 Billion was Invested in FinTech Companies Globally in 2015 !
» Data Explosion due to Social Media, Mobile, GPS, RFID, E-Commerce, anticipating IoT
» Millennials are less loyal to brands, technically savvy and driven by convenience
» Market Explosion due to Opportunities and Needs of 3rd world unbanked
» Maturing of Big Data Analysis and Artificial Intelligence Tools
» Blockchain 2.0 - Smart Contracts aka Programmable B2B Business Processes
» Vision for Blockchain 3.0 - Programmable Corporations (DAO)
8. 8Where character is never in question and excellence is always the answer. TM
WHY is Financial Services 2.0 happening now ?
Financial Services Investment in Blockchain & Bitcoin Startups and
the Evolution of Social Media
9. 9Where character is never in question and excellence is always the answer. TM
WHERE are we in the Revolution ?
2
10. 10Where character is never in question and excellence is always the answer. TM
WHERE are we in the Financial Services 2.0 Revolution ?
At early stage of Innovation Pattern, that will lead to wave of creative destruction.
» Blockchain aka Distributed Ledger Technology: equivalent to 1995 Internet
» P2P: disruptive, development paridigm for the future
» Big Data: demands driving use case move from Descriptive to Predictive and
Prescriptive Analytics
» AI: moving from research into business strategy and operations
» IoT: Preparing to connect 25+ Billion devices to redefined economy in 5-10 years
» Applications:
– New Advice : ROBO Advisors moving from 1.0 to 2.0, providing multiple
asset classes, rebalancing, and tactical asset allocation for short term risk avoidance.
– New Products : Are Cryptocurrencies a new asset class ?
– New Markets: Extending services to the 2.5 Billion Unbanked ?
11. 11Where character is never in question and excellence is always the answer. TM
Analog Innovation Pattern Meets the Digital Network Effect
SCHUMPETER'S
PRODUCTIVITY
WAVES
OF
CREATIVE
DESTRUCTION
MEETS THE
DIGITAL
INFORMATION
TSUNAMI
Analog Machines
Electro-Mechanical
Machines
Digital Machines
12. 12Where character is never in question and excellence is always the answer. TM
2010s 2020sBLOCKCHAIN
CONNECTED WORLD &
WEB OF VALUE, DRIVEN
BY DIGITAL / CRYPTO
CURRENCY TOKENS,
DISTRIBUTED
APPLICATIONS AND
SMART CONTRACTS ...
IoT
REAL TIME
FULLY
RESPONSIVE
ECOSYSTEM of
PEOPLE,
PROTOCOLS
AND MACHINES
Digital Network Effect Will Accelerate Innovation Impact
13. 13Where character is never in question and excellence is always the answer. TM
Managing Hype Along The Way To Adoption and Impact
Gartner 2016
Hype Cycle
14. 14Where character is never in question and excellence is always the answer. TM
HOW is “IT” Driving Change ?
3
15. 15Where character is never in question and excellence is always the answer. TM
HOW is “IT” Driving Change ?
IT Will Have Many Innovation Roles :
» Educator of Executive Management, Business Leadership & IT Staff
» Enabler via Innovation Lab Processes, Partnerships and “fail fast” Mindset
» Solution Builder of best practice based solutions
» Business Partner internally and with 3rd parties for ecosystem
» Strategic Planner for phased delivery of next generation capabilities
» Service Provider internally and externally
16. 16Where character is never in question and excellence is always the answer. TM
A New Brave World:
Blockchains
vs.
Middlemen
IT as Educator
Coming Soon !
17. 17Where character is never in question and excellence is always the answer. TM
IT as Educator
WHAT Is The Blockchain ?
■ A new form of information technology, a decentralized system of
checks and balances, an infrastructure, an organizing system that
is universal and planetary-scale
18. 18Where character is never in question and excellence is always the answer. TM
IT as Educator
Blockchain Explained
What it enables
What it is
Its impact
19. 19Where character is never in question and excellence is always the answer. TM
IT as Educator
HOW a Blockchain Works
Transaction creation
Transaction verification
Block Creation
Block Validation
Block Added To Chain
20. 20Where character is never in question and excellence is always the answer. TM
1. DISCOVER
Knowledge, Ideas & Best Practices
2. INCUBATE
Partners, Systems & Needs
3. ACCELERATE
Capabilities & Impact
Survey
▪ SURVEY Industry Landscape, SMEs,
Interested Parties, Points of Pain, Possible
Partners & Opportunities (ITERATES)
Educate
▪ EDUCATE IT / Business by Collecting /
Augmenting and Publishing External / Internal
Information Sources for Follow Up Use.
Manage
▪ MANAGE the processes, Data Flows,
Linkages and Status Reporting Requirements
Solidify
▪ SOLIDIFY Clients, Vendors, Proof Of Concept
Candidates and Options For Testbed Ecosystem
Identify
▪ IDENTIFY Specific Proof Of Concept and
Associated Use Cases
Establish
▪ Research, Document, Train and DELIVER
Ecosystem
TO ALLOW IMPLEMENTATION AND TESTING of
Proof Of Concept Use Cases
Extend OR
▪ Define, Plan, Resource and DELIVER
EXTENDED Proof Of Concept Capabilities
Aggregate OR
▪ Define, Plan, Resource and DELIVER
AGGREGATE Solution to Previously Identified
Points Of Pain
Initiate
▪ Define, Plan, Resource and DELIVER NEW
Corporate INITIATIVE
A
B
C
E
G
H
I
Innovation Team Operating Model: Fail Fast
Knowledge Repository &
Roadmap Ecosystem for POCs Major Initiative
D
F
IT-Enabler, Business Partner & Service Provider
21. 21Where character is never in question and excellence is always the answer. TM
Digital Identity Is Critical For Next Generation Solutions
IT as Solution Builder
2005 2020
22. 22Where character is never in question and excellence is always the answer. TM
IT as Strategic Planner
HOW Will Blockchain Be Used In The Future ?
23. 23Where character is never in question and excellence is always the answer. TM
IT as Strategic Planner
Planning For The Next Phase Of Blockchain
24. 24Where character is never in question and excellence is always the answer. TM
HOW will Business Models Evolve ?
4
25. 25Where character is never in question and excellence is always the answer. TM
HOW will Business Models Evolve?
The evolution of Business Models will be accelerated by the elimination of cost and
latency frictions, producing disruptions, new markets, products and services.
These new business models will :
» Adopt Digital Identity for People, Organizations, Devices and Ideas
» Require Distributed Ledger Interoperability for Payments, Consortia driven solutions
to common industry problems, Global Supply Chains and lastly, perhaps, for internal
corporate business processes and data flows.
» Consolidate Reputation Models to utilize Blockchain Technology & Identities
» Adopt Smart Contracts to automate business processes
» Derive Business Value and Competitive Advantage from Big Data & AI
» Deliver efficient, transparent, client centered, regulator certified goods & services
26. 26Where character is never in question and excellence is always the answer. TM
By Connecting People**
(Digital Identity) ...
** Paridigm Shift: Transition from Username / Password to Digital Identity and connecting 21st
Century Identities: People, Organizations, Devices and Ideas
27. 27Where character is never in question and excellence is always the answer. TM
… and Connecting Processes**
(Business Logic)
● Eliminates Friction and
Costs
● Increases Productivity
● Creates and
Destroys Jobs
**
Smart Contracts and Best Practice based Templates to automate the well defined & understood
cases, leaving human talent to focus on exceptions and value creation.
28. 28Where character is never in question and excellence is always the answer. TM
By Embracing The Next Generation Business Model:
The Internet of Value
- DISRUPTING THE DISRUPTORS
- 21ST CENTURY WORK & BUSINESS MODELS
- SMART CONTRACTS
- DISTRIBUTED AUTOMATED ORGANIZATIONS
Closed and Centralized Networks
Open Networks and
Centralized Cloud
Open Networks and
Distributed Cloud
29. 29Where character is never in question and excellence is always the answer. TM
Example: Car Leasing Business TODAYExample: Car Leasing Business: TODAY
30. 30Where character is never in question and excellence is always the answer. TM
Example: Car Leasing Business with BLOCKCHAIN
31. 31Where character is never in question and excellence is always the answer. TM
HOW will Corporations Adapt ?
5
32. 32Where character is never in question and excellence is always the answer. TM
HOW will Corporations Adapt ?
Corporations must meet the challenges of accelerating business competition and
revenue pressures, by smartly identifying, building and integrating next generation
capabilities, emphasising ease of use and reliability with enhanced client security and
privacy.
Expected Corporate Adaptations:
» Blockchain 3.0: Long Term Vision for Automated Corporations, Will DAOs be King ?
» More Software (Smart Contracts), less (but more impactful) People
» More Skilled, Information Savvy Staff, less “Paper Shufflers”
» More Nimble, Loosely Coupled Departments, Just In Time Roles and Budgets
» Must provide Work-LIfe-Balance to get and keep Top Talent
» By Disrupting the Disruptors !
» Build a culture of Consistent Excellence during Constant Change, based on client
needs and innovation … not on risk aversion
33. 33Where character is never in question and excellence is always the answer. TM
Corporations Evolve Toward Blockchain Based
Organizations
All internal and
external
relationships are
managed via
blockchain based
smart contracts
34. 34Where character is never in question and excellence is always the answer. TM
Corporations Evolve Toward
Anti-Fragile, Self Improving Organizations
Handling Stresses
Fragile: Breaks
Robust: Resists
Antifragile: Improves
Antifragile systems
increase in capability,
resilience, or robustness
as a result of stressors,
shocks, volatility, noise,
mistakes, faults, attacks,
or failures.
35. 35Where character is never in question and excellence is always the answer. TM
Future of Finance
Automation at the
Center
Humans at the Center
Humans at the EdgesAutomation at the
Edges
Financial Services Evolves Toward Artificial Intelligence
Solutions
36. 36Where character is never in question and excellence is always the answer. TM
Example: Disrupting Services - Uber vs Blockchain
LaZooz.net
37. 37Where character is never in question and excellence is always the answer. TM
Example: Correspondent Bank Disintermediation
38. 38Where character is never in question and excellence is always the answer. TM
Example: Unbundling of a U.S. Bank
Mortgages Merchant
Services
Financing
and Credit
Payments Payroll
Wealth
Management
Insurance
Investing and
Retirement
Planning
39. 39Where character is never in question and excellence is always the answer. TM
TRUST
INTEGRITY
MATTERS
BECAUSE
REPUTATIONS
TAKE YEARS TO
BUILD BUT CAN
BE DESTROYED
IN MINUTES ...
CULTURE Matters, Even with Trustless Transactions :
The 5Ps - Managing Excellence During Constant Change
40. 40Where character is never in question and excellence is always the answer. TM
WHAT are the Implications ?6
41. 41Where character is never in question and excellence is always the answer. TM
WHAT are the Implications ?
ECONOMY
Move To A Trustless Transaction Economy & Society i.e. Mobile, Frictionless Products and Services
Merging of Tech and Financial Services Companies: Ultimately Banks become “service nodes on the
network”, Markets and Business Models disrupted and redefined e.g. Funding, Lending …
Human Capital Still Key. Wave of Creative Destruction, Education / Demographics will drive Talent
Acquisition / Retention e.g. Work/Life Balance, JIT work force, Corporate Structure Evolution - DAOs ?
TECHNOLOGY
The Internet Of Value: Blockchain, Mobile, Big Data, IoT and AI:
● Transition from Username/Password (“Shared Secret”) Security Model, to new unified,
digital and device identity model
● Cryptocurrencies and Fiat currencies converge to fully enable P2P economy
● Programmable Assets, Trust, Ownership, Money, Identity, Contracts
● Smart Contracts & Applications utilize Blockchain, Big Data, AI etc. to remove latencies, include
billions of IoT devices, automate business processes and move up the Intelligence curve.
→ Shorter Settlement Cycles, → New Products and Services → The Rise of Robo Advice !
42. 42Where character is never in question and excellence is always the answer. TM
Implication: FinTech Growth Endangers Bank /
Customer Relationship … Here come the GAFAs.
FINTECH
Payments
Raising Funds
Digital
Currencies
Advice
43. 43Where character is never in question and excellence is always the answer. TM
Banks are frightened by GAFAs financial power and brand image
Implication: New FinTech Banks Driven By Financial Power
and Brand Image ? (Google, Apple, Facebook, Amazon)
44. 44Where character is never in question and excellence is always the answer. TM
Implication: GAFAs Will NOT Become Banks … But
Banks May Become Slaves of GAFAs ?
• Not profitable enough (negative impact on market cap)
• Too regulated
• “Slow” growth
What banks fear most
are GAFAs owning the
customer relationship
and them becoming
the mere white labels
at the back end of the
process
45. 45Where character is never in question and excellence is always the answer. TM
Implication: Blockchain Backbone For Financial Services
Distributed Ledger Solutions will replace Centralized Systems
Distributed Ledger Based Services will replace Centralized, Legacy Systems
46. 46Where character is never in question and excellence is always the answer. TM
Implication: Blockchain Impact in Post Trade Processing
Streamlined Securities
Settlement
Reducing Latency and Risk
Removal of $20 Billion
in Post Trade Processing
Costs by 2022
47. 47Where character is never in question and excellence is always the answer. TM
Implication: Blockchain Impact Across Entire Trade Cycle
48. 48Where character is never in question and excellence is always the answer. TM
Implication: Rise of Robo Advice in Wealth Management
49. 49Where character is never in question and excellence is always the answer. TM
Implication: Robo Advice Moving From Awareness to
Adoption
50. 50Where character is never in question and excellence is always the answer. TM
Implication: Robo Advice Managing $2 Trillion by 2020
68 %
51. 51Where character is never in question and excellence is always the answer. TM
Implication: Blockchain Will Help Integrate The IoT
52. 52Where character is never in question and excellence is always the answer. TM
Implication: IoT in Financial Services
1. Monitoring & data
transmission
2. Data collection and
management
3. Strategic
analytics
4. Value
Creation
D
A
T
A
M
A
N
A
G
E
M
E
N
T
P
L
A
T
F
O
R
M
Financial
product
development
Risk
management
& pricing of
finance
Identifying
additional
business
needs
Streamlining
contractual
processes
53. 53Where character is never in question and excellence is always the answer. TM
Implication: IoT / Smart Data In Financial Services
Right time and
channel to
connect
Fraud and AML
SME Credit
Budgeting
“Right Time”
Marketing
Smart Learning and Real Time Services
Use Transactional, locational, communications and social media for customer
engagement
Improve AML and Use Pattern recognition software to catch fraud
Use customer behavior to help SMEs manage cash flow
Combine customer behavior patterns with savings goals for planning
54. 54Where character is never in question and excellence is always the answer. TM
Implication: IoT In Asset Financing
55. 55Where character is never in question and excellence is always the answer. TM
Implication: IoT in Insurance, Customized Products
56. 56Where character is never in question and excellence is always the answer. TM
Implication: IoT Economy
57. 57Where character is never in question and excellence is always the answer. TM
WHEN will we reach tipping point ?
7
58. 58Where character is never in question and excellence is always the answer. TM
WHEN will impact reach the tipping point ?
The disruption of the financial sector is underway. FinTech / Financial Services Collaboration
and Convergence are reshaping the value proposition of existing products and services.
Banking and Payments are ripe in the short to mid term, followed by Insurance and Asset
Management.
The “Tipping Point” may be driven by some of these facts, surveys, estimates and needs:
» Over 20% of Financial Service business at risk to Fin Techs
» Up to 28% of Banking and Payments business at risk by 2020
» Up to 22% of Insurance, Asset / Wealth Management business at risk by 2020
» 25% of Financial Services firms do not liaise with FinTech companies at all. They will
underestimate the potential benefits and threats of the convergence.
» Mobile only accounts for 16% of Advertisement Revenue Today, within 5 years,
expectations are that 60% of clients will be using mobile applications (at least once a
month) to access financial services
» Large scale Digital Wallet adoption is critical and requires simplified key management
(FYI: Apple Iphone App store now supports 9 cryptocurrencies … )
» Must solve the Millennial Problem
59. 59Where character is never in question and excellence is always the answer. TM
Tipping Point: Solving The “Millennial Problem” ?
60. 60Where character is never in question and excellence is always the answer. TM
Tipping Point: The FinTech Tsunami ?
Fintech could reduce banks revenues and profits by up to 40% and
60% over the next decade
-60% -40%
61. 61Where character is never in question and excellence is always the answer. TM
Tipping Point: Rise of Inorganic Intelligence
Artificial Intelligence
Distributed Computing
62. 62Where character is never in question and excellence is always the answer. TM
Thank You
63. 63Where character is never in question and excellence is always the answer. TM
BOB BONOMO
President Bob Bonomo, LLC
CEO Blockchain Innovation Group, LLC
Mr. Bonomo is a Digital Currency Council certified Technology, Process and Business Consultant and former Chief Information
Officer at two major Wall Street firms. He currently chairs the Technology and Product Committee of the Wall Street Blockchain
Alliance.
His areas of expertise are the Asset Management component of the Global Financial Services sector, Blockchain / Distributed
Ledger Technologies & the Bitcoin Cryptocurrency Ecosystem.
Bob believes the productivity and disruptive nature of Blockchain’s Distributed Applications (Dapps) will accelerate the
displacement of many centralized systems and services, initially across Wall Street’s Back Office, via consortia, for Settlement time
and cost reductions, followed by the Buy-Side’s Front Office for Product and Service transparency & compliance differentiation, and
then, more generally, across the global corporate landscape of supply chains of goods and services - creating “a 21st Century
Intellectual Assembly Line of Innovation”.
Recent engagements include Business Development, Tech Strategies, Vendor, Risk, Staffing & Funding Analyses and Program
Management / Delivery at Large Financial Institutions, Cryptocurrency Trading Desks and Blockchain Startup Companies.
Via his Blockchain Innovation Group, Mr. Bonomo helps concept stage startup companies evolve to achieve funding, staffing and
operational excellence. He’s formed PayToSkip.com and GuvChain.org startups as disruptive plays in Advertising and Government.
Previously Mr. Bonomo spent over 25 years on Wall Street designing, delivering and managing innovative global systems, processes
and teams.
From Developer to CIO, he was a key transformation agent at Sanford C. Bernstein / Alliance Bernstein and OppenheimerFunds Inc.
In another lifetime, Bob worked at JP Morgan, Moody’s Investors Service and Digital Equipment Corporation. He received a B.S. in
Computer Science from Columbia University School of Engineering & Applied Science in 1981.
64. 64Where character is never in question and excellence is always the answer. TM
CREDITS
My LinkedIn Profile - Bob Bonomo
Centralized, Decentralized and Distributed Systems (Paul Baran, 1964)
Joseph Schumpeter (1883–1950) coined the seemingly paradoxical term “creative destruction,”
My not so random walk down Tech Avenue, Wall Street and Blockchain Boulevard
Gartner Hype Curve 2015 http://www.gartner.com/newsroom/id/3114217
https://www.linkedin.com/pulse/blockchain-powering-internet-value-jarle-holm
https://evry.com/globalassets/insight/bank2020/blockchain-powering-the-internet-of-value---labs-whitepaper.pdf
https://www.cbinsights.com/blog/financial-services-bitcoin-investors/
http://firstpartner.net/news/new-market-map-defines-blockchain-ecosystem
https://www.accenture.com/_acnmedia/PDF-2/Accenture-Wealth-Management-Rise-of-Robo-Advice.pdf
http://www.slideshare.net/kantox/the-next-10-years-in-fintech-57726895
https://www.amazon.com/Business-Blockchain-Practice-Application-Technology/dp/1119300312
http://www.oliverwyman.com/content/dam/oliver-wyman/global/en/2016/feb/BlockChain-In-Capital-Markets.pdf
https://www.pwc.at/publikationen/branchen-und-wirtschaftsstudien/fintech-global-report.pdf
http://santanderinnoventures.com/wp-content/uploads/2015/06/The-Fintech-2-0-Paper.pdf
https://www.pwc.com/jg/en/publications/pwc-project-blue-2.0.pdf