Babs Ryan presented to Financial Services industry peers across Brisbane, Melbourne and Sydney on the topic "How global leaders are engaging a generation disinterested in Financial Services" She shared some thought-provoking examples of how global and local financial service organisations are inventing new, innovative approaches to engage millennials.
Great design isn’t about beauty; it’s about knowing the right questions to ask, uncovering the right places to look, and agreeing on the right problems to solve.
At ThoughtWorks Live Australia 2016, Stephanie Rieger (Director of Design & Strategy at Yiibu) talked about three mindsets that combine design, business strategy, and technology to drive growth and embed experience design within your organisation.
The web was first conceived 25 years ago, by an Englishman. Fifteen years later, as the first crop of dot.coms were going bust, close to 60% of its users (and all Alexa "top 20" sites) came from developed nations. Fast forward to today, and the picture is strikingly different. Almost half the Alexa "top 20" now comes from emerging economies. Economies where close to 3 billion people have yet to use the web, but thanks to mobile--won't have to wait much longer to discover it. This presentation will introduce you to fascinating and innovative services that are re-shaping the web to serve the consumers of tomorrow. Driven by mobile, the power of personal relationships, and the breakneck pace of globalisation, these services provide a glimpse into the business models, opportunities and challenges we will face, when growing a truly global web.
The Myths and Power of Social in Acquiring the Best TalentMonster
“Social” is bringing new opportunities and challenges to all parts of business, and human resources and recruiting are no exception. In this deck, we explore six new realities surrounding “social” recruiting and strategies you can employ to help you succeed in today’s social world. We’ll separate the myths from reality and share emerging practices on how social tools and tactics fit into an overall recruiting strategy.
You will learn:
Why “social” matters and how it’s changing business, HR and the recruiting landscape
How to think about bringing social into your recruiting processes in ways that are relevant to your industry and company culture (it’s not a one size fits all world!)
Where to learn more, get the support you need to be successful.
The Top 3 Trends of 2016 - What are the 3 biggest things you should do this year to transform your business? From the "Fast Forward your Business Global Webinar, hosted in May 2016 with Futurist & Entrepreneur, Roger James Hamilton
This ebook compiles awesome outtakes from SXSW2015. Written by @Briansolis and illustrated by @gapingvoid, it captures why you should be very sorry you failed to get to Austin this year:)
This is another in our series of ebooks that can make your ideas come alive.
Navigation Employment Trends: A Monster Intelligence briefingMonster
At the 2015 Monster Customer Summit — held Oct. 7-10 in Boston, Massachusetts — Joanie Courtney, senior vice president of Global Market Insights at Monster, outlined how the industry has gotten to this point, and which trends to keep an eye on as we move toward the future of recruitment.
With so many trends to watch, these are the few you should have your eyes on over the next few months.
Great design isn’t about beauty; it’s about knowing the right questions to ask, uncovering the right places to look, and agreeing on the right problems to solve.
At ThoughtWorks Live Australia 2016, Stephanie Rieger (Director of Design & Strategy at Yiibu) talked about three mindsets that combine design, business strategy, and technology to drive growth and embed experience design within your organisation.
The web was first conceived 25 years ago, by an Englishman. Fifteen years later, as the first crop of dot.coms were going bust, close to 60% of its users (and all Alexa "top 20" sites) came from developed nations. Fast forward to today, and the picture is strikingly different. Almost half the Alexa "top 20" now comes from emerging economies. Economies where close to 3 billion people have yet to use the web, but thanks to mobile--won't have to wait much longer to discover it. This presentation will introduce you to fascinating and innovative services that are re-shaping the web to serve the consumers of tomorrow. Driven by mobile, the power of personal relationships, and the breakneck pace of globalisation, these services provide a glimpse into the business models, opportunities and challenges we will face, when growing a truly global web.
The Myths and Power of Social in Acquiring the Best TalentMonster
“Social” is bringing new opportunities and challenges to all parts of business, and human resources and recruiting are no exception. In this deck, we explore six new realities surrounding “social” recruiting and strategies you can employ to help you succeed in today’s social world. We’ll separate the myths from reality and share emerging practices on how social tools and tactics fit into an overall recruiting strategy.
You will learn:
Why “social” matters and how it’s changing business, HR and the recruiting landscape
How to think about bringing social into your recruiting processes in ways that are relevant to your industry and company culture (it’s not a one size fits all world!)
Where to learn more, get the support you need to be successful.
The Top 3 Trends of 2016 - What are the 3 biggest things you should do this year to transform your business? From the "Fast Forward your Business Global Webinar, hosted in May 2016 with Futurist & Entrepreneur, Roger James Hamilton
This ebook compiles awesome outtakes from SXSW2015. Written by @Briansolis and illustrated by @gapingvoid, it captures why you should be very sorry you failed to get to Austin this year:)
This is another in our series of ebooks that can make your ideas come alive.
Navigation Employment Trends: A Monster Intelligence briefingMonster
At the 2015 Monster Customer Summit — held Oct. 7-10 in Boston, Massachusetts — Joanie Courtney, senior vice president of Global Market Insights at Monster, outlined how the industry has gotten to this point, and which trends to keep an eye on as we move toward the future of recruitment.
With so many trends to watch, these are the few you should have your eyes on over the next few months.
PRIMER Speculative Futures Conference 2017George Wang
As the inaugural speculative design conference, PRIMER brought together some of the best minds in the field of speculative design. This is a recap of my own takeaways from the conference.
For more, or to simply connect, get in touch with me at
georgewang89@gmail.com
linkedin.com/in/georgewang89
twitter.com/georgewang89
3 factors driving the $50 billion youth mobile messenger market.
Snapchat, Kik, Line, Whatsapp, Facebook messenger, WeChat, YikYak... these mobile messenger apps are now replacing "traditional" social media, and fast becoming the de-facto mobile experience for Gen Y Millennials and Gen Z.
What's driving the growth? How important is privacy in the appeal of mobile messenger apps? How are youth using mobile messenger apps within their social networks?
In this slideshow, I discuss the impact and significance of digital technologies in the workplace, and how I believe they have made it harder to establish and maintain a rewarding career in today's workplace.
What Happened? Why Are We Here? Show Me Something Awesome & How Can I Join In...James Denman
In June 2012, I was invited to speak at ICOM, Ikea's creative team based out of Almhult Sweden. This presentation was intended to de-mystify, explain and inspire with some of the best examples of digital creativity of the last few years and some learnings for the department to work from. It was, by all accounts, a hugely inspiring session for everyone involved, and I thought it was time to share some of those examples, and of course some of the methods to help build better digital ideas.
Disrupt you! strategies for billion dollar success in the era of endless inn...Jay Samit
How can we make a difference with our lives when our world is changing faster than we can keep up? Technology, Science, the climate and even our jobs are transforming well beyond Darwinian rates. Our generation is being impacted by change like no other generation before it. We are the most educated and diverse in history. We are aware and adaptable, inspired and creative. We want our lives to have meaning, and we're not afraid to tweet, post, comment, like, swipe, or share them.
Our tablets are our TVs, and our phones are our teddy bears (show someone sleeping with phone). We believe in meaning over money, mentors over bosses. We are more concerned about making a difference, than making a buck. And if we’re not happy in the workplace…we will find or create a new one.
And with all this spirit, expectation, and energy that we invest in our careers, our generation also faces the biggest challenges: A shortage of jobs, lower wages, rising costs, crushing student debt, and a business landscape that is changing faster than most employees can adapt. Companies that survived for decades are being disrupted and put out of business seemingly overnight. Could your job, your company, your industry be next? How secure is your position? Are you really living life or just paying bills until you die?
Disrupt You will show you how every threat to the status quo is actually an opportunity in disguise. Disruption isn’t about what happens to you, it’s about how you respond to what happens to you.
The self-made billionaire in his twenties, an unheard of possibility a decade ago, now happens with regular frequency. The startup company, with little funding and a small staff, displaces hundred-year-old companies with billions in revenues virtually overnight. The consultant, with no background in technology or operating a business, makes millions of dollars online. This tightly interconnected world of the 21st century is exploding with new opportunities for personal empowerment and financial independence. What do all of these disruptions have in common? They were led by people who first disrupted internal assumptions about what they were capable of achieving and then unlocked that newly discovered potential to change their world.
Disrupt You will teach you how to master personal transformation, seize opportunity and thrive in this era of endless innovation. Disrupt You is an engaging, paradigm-shifting book that demystifies the mechanics of disruption and shows how anyone can thrive in an era of technological transformation.
You have a choice in life: pursue your dreams or be hired by someone else to help them fulfill their dreams. To change who you are, you must first change who you think you are.
startup, entrepreneur, motivation, career, personal transformation, book, author, best-seller, inspiration, jay samit, Disrupt You!, disruption, innovation, success, spe
In this session of Entrepreneurship 101, we define the field of marketing and communications, covering the basics of advertising, branding, public relations and social media. We explore the idea of traction, and provide an overview of the 19 different channels and activities that have the potential to move the needle for your business.
Key topics covered: Brand identity, traction, PR and social media.
A presentation for public sector professionals about the benefits and risks of social media. Explains how rapid growth in technology is impacting on communication with citizens. Outlines a six-point plan for digital engagement. Gives winning tactics to mitigate risk and protect reputation/
The kids of today are growing up in a crazy technology-infested culture, a culture that will have a profound effect on the way we market to, service, find, hire and retain the next generation of customers and staff. This keynote looks at the trends affecting the customers of tomorrow, your kids of today. www.andyhadfield.com
15 Startups to Watch in 2015 -2016 by Brian SolisBrian Solis
Digital analyst Brian Solis assembled a list of 15 startups he believes will stand out this year while also sparking new trends. From the sharing economy to AR/VR to 3D Printing to Messaging to Enterprise Collaboration and more, this list will help you see and appreciate top trends happening in Silicon Valley and around the world now.
In the past, careers were stable, linear and singular. People chose one path and pursued it over the course of their lives from college to retirement. In our modern age of technology driven exponential change - this model no longer works.
Careers are now complex, fragmented, specialized, collaborative and ever evolving. More often than not, our work life will be made up of a portfolio of micro-careers.
This presentation will show you a snapshot of 20 careers that will likely come of age in the next 10 years. Some of these jobs exist now, but will come into greater demand soon. Others do not exist yet, but through our daily scanning of future fringe signals we see strong potential in their emergence.
The beautiful things numbers can tell you about social mediaJacki James
An Australian centric look at the social media landscape, plus some insights the numbers tell you useful for developing social media strategies. A presentation I gave at the Beauty Directory Digital Seminar in July 2011.
PRIMER Speculative Futures Conference 2017George Wang
As the inaugural speculative design conference, PRIMER brought together some of the best minds in the field of speculative design. This is a recap of my own takeaways from the conference.
For more, or to simply connect, get in touch with me at
georgewang89@gmail.com
linkedin.com/in/georgewang89
twitter.com/georgewang89
3 factors driving the $50 billion youth mobile messenger market.
Snapchat, Kik, Line, Whatsapp, Facebook messenger, WeChat, YikYak... these mobile messenger apps are now replacing "traditional" social media, and fast becoming the de-facto mobile experience for Gen Y Millennials and Gen Z.
What's driving the growth? How important is privacy in the appeal of mobile messenger apps? How are youth using mobile messenger apps within their social networks?
In this slideshow, I discuss the impact and significance of digital technologies in the workplace, and how I believe they have made it harder to establish and maintain a rewarding career in today's workplace.
What Happened? Why Are We Here? Show Me Something Awesome & How Can I Join In...James Denman
In June 2012, I was invited to speak at ICOM, Ikea's creative team based out of Almhult Sweden. This presentation was intended to de-mystify, explain and inspire with some of the best examples of digital creativity of the last few years and some learnings for the department to work from. It was, by all accounts, a hugely inspiring session for everyone involved, and I thought it was time to share some of those examples, and of course some of the methods to help build better digital ideas.
Disrupt you! strategies for billion dollar success in the era of endless inn...Jay Samit
How can we make a difference with our lives when our world is changing faster than we can keep up? Technology, Science, the climate and even our jobs are transforming well beyond Darwinian rates. Our generation is being impacted by change like no other generation before it. We are the most educated and diverse in history. We are aware and adaptable, inspired and creative. We want our lives to have meaning, and we're not afraid to tweet, post, comment, like, swipe, or share them.
Our tablets are our TVs, and our phones are our teddy bears (show someone sleeping with phone). We believe in meaning over money, mentors over bosses. We are more concerned about making a difference, than making a buck. And if we’re not happy in the workplace…we will find or create a new one.
And with all this spirit, expectation, and energy that we invest in our careers, our generation also faces the biggest challenges: A shortage of jobs, lower wages, rising costs, crushing student debt, and a business landscape that is changing faster than most employees can adapt. Companies that survived for decades are being disrupted and put out of business seemingly overnight. Could your job, your company, your industry be next? How secure is your position? Are you really living life or just paying bills until you die?
Disrupt You will show you how every threat to the status quo is actually an opportunity in disguise. Disruption isn’t about what happens to you, it’s about how you respond to what happens to you.
The self-made billionaire in his twenties, an unheard of possibility a decade ago, now happens with regular frequency. The startup company, with little funding and a small staff, displaces hundred-year-old companies with billions in revenues virtually overnight. The consultant, with no background in technology or operating a business, makes millions of dollars online. This tightly interconnected world of the 21st century is exploding with new opportunities for personal empowerment and financial independence. What do all of these disruptions have in common? They were led by people who first disrupted internal assumptions about what they were capable of achieving and then unlocked that newly discovered potential to change their world.
Disrupt You will teach you how to master personal transformation, seize opportunity and thrive in this era of endless innovation. Disrupt You is an engaging, paradigm-shifting book that demystifies the mechanics of disruption and shows how anyone can thrive in an era of technological transformation.
You have a choice in life: pursue your dreams or be hired by someone else to help them fulfill their dreams. To change who you are, you must first change who you think you are.
startup, entrepreneur, motivation, career, personal transformation, book, author, best-seller, inspiration, jay samit, Disrupt You!, disruption, innovation, success, spe
In this session of Entrepreneurship 101, we define the field of marketing and communications, covering the basics of advertising, branding, public relations and social media. We explore the idea of traction, and provide an overview of the 19 different channels and activities that have the potential to move the needle for your business.
Key topics covered: Brand identity, traction, PR and social media.
A presentation for public sector professionals about the benefits and risks of social media. Explains how rapid growth in technology is impacting on communication with citizens. Outlines a six-point plan for digital engagement. Gives winning tactics to mitigate risk and protect reputation/
The kids of today are growing up in a crazy technology-infested culture, a culture that will have a profound effect on the way we market to, service, find, hire and retain the next generation of customers and staff. This keynote looks at the trends affecting the customers of tomorrow, your kids of today. www.andyhadfield.com
15 Startups to Watch in 2015 -2016 by Brian SolisBrian Solis
Digital analyst Brian Solis assembled a list of 15 startups he believes will stand out this year while also sparking new trends. From the sharing economy to AR/VR to 3D Printing to Messaging to Enterprise Collaboration and more, this list will help you see and appreciate top trends happening in Silicon Valley and around the world now.
In the past, careers were stable, linear and singular. People chose one path and pursued it over the course of their lives from college to retirement. In our modern age of technology driven exponential change - this model no longer works.
Careers are now complex, fragmented, specialized, collaborative and ever evolving. More often than not, our work life will be made up of a portfolio of micro-careers.
This presentation will show you a snapshot of 20 careers that will likely come of age in the next 10 years. Some of these jobs exist now, but will come into greater demand soon. Others do not exist yet, but through our daily scanning of future fringe signals we see strong potential in their emergence.
The beautiful things numbers can tell you about social mediaJacki James
An Australian centric look at the social media landscape, plus some insights the numbers tell you useful for developing social media strategies. A presentation I gave at the Beauty Directory Digital Seminar in July 2011.
Born in London in the 1960s, planning has struggled to keep pace with the significant changes in consumer behaviors. Here we’ll explore how planning can evolve to make advertising more effective, both now, and into the future.
The report discusses what the LMI segments know and feel about the COVID-19 outbreak and examines its effect on them. The report also highlights actionable recommendations for policymakers to design suitable interventions that can help the LMI segment cope better in this difficult situation.
Design System as a Product - Maria Elena Duenias, Esther Butcher
Design systems are a great example where web development and design meet. You can find innumerable resources on the internet, books and conferences on how to build them, and how they are exactly what your organization needs. But, building one requires a lot more than following a recipe. In this talk we are going to discuss how to build a design system as an internal product, and how it evolves to become what the users need.
Designers, Developers and Dogs: Finding the magic balance between product and tech - Charlotte Vorbeck, ShareNow and Sahil Bajaj
How can an agile delivery team become a successful product team? When does collaboration between product and tech succeed and when not? Why do people in some teams inspire each other while others in the same environment don't speak the same language? In this talk we want to share our learnings and experiences from rebuilding an internal tool for customer support at ShareNow. What could have been just another boring rewrite surprisingly became one of our best experiences in collaboration. We will look at how a joint discovery phase helped us to come up with a shared vision, how a better team setup enabled us to do the necessary work, how focusing on the customer kept us aligned during our journey, and also how we built upon existing collaborative techniques to achieve this new level of cooperation and trust.
During this presentation, Ward Coessens, ThoughtWorks' Consultant will share best practice insights from the Daimler partnership, helping the automotive group on their cloud innovation journey.
How to create more business impact with flexible teams - Jan Hegewald, Zalando & Rebekka Beels, Zalando
Usually, Software Engineering teams are organized around a fixed set of components which they develop further and maintain. Such component teams gain a high level of expert knowledge about their services. However, with agile product development, it often is difficult to implement the most important initiatives with such teams. This leads to a situation where the teams do not work on the most relevant business topics but on those for the respective team. At Zalando, we introduced a new model where we shape teams flexibly around business goals to create the highest impact. How we organize these teams and which challenges especially for the software quality need to be addressed, will be explored in this talk.
Amazon’s Culture of Innovation & The Working Backwards session
Working Backwards; leading organisations achieve growth by marrying customer-obsession with a modern technology strategy. Where do you begin? By focusing on the customer.
During this webinar, Amazon will discuss key innovation principles which have been instrumental in their continued success and their Working Backwards approach.
Dual-Track Agile for Discovery & Development - Adriana Katrandzhieva
The talk will focus on one of the ways teams can ensure continuous delivery and design in their projects. The so-called ‘Dual-track’ model shows the parallel tracks of discovery and development throughout the product design and delivery process. These continually feedback into each other informing new hypothesis that can be tested in order to be proven/disproven. This model is not always easy to implement out of the box and so I will share my own experiences in applying it in practice - what worked, what didn't and how the model can be adjusted to fit different teams and organisational environments.
Designing the Developer Experience - Tanja Bach, Jacob Bo Tiedemann
Working with software that some other people have built, is not only daily business for private and business users but also for developers. Just like any other product, a product for developers needs to solve their problems and focus on the right jobs-to-be-done in order to be successfully adopted by the developer community. In this talk, we will explain why the developer experience matters not only to developers but also to the business. We will share our learnings and real-world examples of how we created a developer experience for a cloud infrastructure product and an IoT platform that the developers love.
When we design together - Sabrina Mach, Ammara Gafoor and James Emmott
From three distinct perspectives, this talk will contend that design is an activity undertaken by everyone in a software development team. It occurs throughout the process of delivery — not only at the beginning or the end — and it is a powerful instrument for learning about and adapting to the problems our work seeks to solve, which is a shared responsibility. Making the best use of our multidisciplinary expertise in the activity of design requires forms of collaboration that are too often disrupted by the role-based silos that keep us separated and weaken the valuable contribution our diverse approaches could make to our collective efforts. If you care about accelerating time to market, improving customer experience, or building happy and productive teams, you will want to know why and how it matters that we believe ‘design is in everything that we do’.
Hardware is hard(er): designing for distributed user experiences in IoT - Claire Rowland, www.clairerowland.com
Designing connected devices and hardware-enabled services is significantly more complex than pure software. There are more devices on which code can run, connectivity and data sharing patterns to consider, and often multiple and varied touchpoints for users to interact with. Pulling this all together into a coherent experience involves strong collaboration between design and engineering, and a systems thinking approach to UX. In this talk, we’ll introduce what designers need to know about the tech, what engineers need to know about UX for IoT, and how to facilitate the whole-collaboration needed to create great products.
www.clairerowland.com
Customer-centric innovation enabled by cloudThoughtworks
Working Backwards - Leading organisations achieve growth by marrying customer-obsession with a modern technology strategy. In this upcoming webinar, we’ve partnered with AWS to bring you exclusive insights from one of the world’s most innovative companies, Amazon.
Working Backwards - Leading organisations achieve growth by marrying customer-obsession with a modern technology strategy. In this upcoming webinar, we’ve partnered with AWS to bring you exclusive insights from one of the world’s most innovative companies, Amazon.
Find out how to validate hypotheses quickly using feedback that comes from a (large enough) number of actual users interacting with your product. In this talk, we will show you the technical foundations, research techniques and organisational setup that we have used successfully on large-scale products. These will save you development time, enable you to go live with confidence, make decisions based on real behaviour instead of best guesses, and solve the actual problems your users are facing.
As a tech leader at ThoughtWorks, a large part of my job involves recommending practices to our clients so they can build and deliver good quality software faster. In doing so repeatedly for many clients I have created a toolkit that contains practical advice from being on the ground. This is what we do, we know it works. When Julius Caesar entered Rome with his army by crossing the river Rubicon, he did something that couldn’t be undone ever again. In your journey as a leader, avoid mistakes that are difficult to correct later. Here are a set of practices that you want to adopt as soon as possible.
Handling error conditions is a core part of the software we write. However, we often treat it as a second class citizen, obscuring our intent through abuse of null values and exceptions that make our code hard to understand and maintain. In the functional programming community, it is common to use datatypes such as Option, Either or Validated to make our intentions explicit when dealing with errors. We can leverage the compiler to verify that we are handling them instead of hoping for the best at runtime. This results in code that is clearer, without hidden path flows. We’ll show how we have been doing this in Kotlin, with the help of the Arrow library.
Mutation testing in software development surfaced in academia during the 70's and has recently seen a resurgence in popularity as a legitimate tool in your testing arsenal. In this session we review the conventional testing pyramid, modern approaches to testing software and look at how mutation testing can help fill in those blind spots.
The continued adoption of containers for deployments has introduced a new path for security issues. In this talk, we will cover the most common areas of vulnerabilities, the challenges in securing your containers, some good practices to help overcome these issues and how to run container security scanning as part of your deployment pipeline.
Mainframes handle 30 billion business transactions each day and 87% of all credit card transactions*, they are not traditionally associated with flexible, fail-fast development approaches. Can we bring the practices of agile, CI/CD and fully automated deployments to applications running on a mainframe? During our talk, we'll tell you a story about test automation; redefining the smallest testable unit of a program. And we'll discuss our learnings from introducing continuous integration and agile practices to the world of insurance and mainframes.
*9 Mainframe statistics that may surprise you
ThoughtWorks' Lucy Kurian, James Lewis & Kief Morris discuss tech trends in our latest Technology Radar, covering techniques, platforms, tools, languages and frameworks.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
3. 3
THE TRUTH ABOUT MOBILE APPS
Yes, 90% of Australia mobile TIME is spent on apps,
90%
but TIME is limited to ONLY 3 – 5 APPS,
that are not financial. Financial app time is
TRANSACTIONAL,
not relational
Refs: smartinsights.com; rba.gov.au
4. 4
YOU
ARE HERE
with LOTS of
others
Facebook 19%
Messaging/Social 12%
YouTube 3%
Entertainment 17%
Gaming 15%
Utilities 8%
Others 10%
Productivity 2%
Safari 6%
Chrome 4%
News
2%
AUSTRALIAN’S
MOBILE
TIME
WHEN IT COMES TO MONEY, TIME MATTERS
Sources: Comscore, Pandora, Facebook, Flurry Analytics, NetMarketShare
5. 5
Need more
Financial
Education
Better
Tools
Needed
Fees, cost
Like to Do
it
Myself
Not
Enough
Money
Fear
Apathy
Entitlement
Superannuation
Immediate
Gratification
Marry Later,
Living
With parents
Trust
Reasons we’ve heard why Millennials
aren’t engaged with FS providers…
6. 6
“I don’t want to put all this work into
actually managing my money,”
says Cristina Cordova,
26-years-old
Sources: “The Recession Generation: How Millennials Are Changing Money Management Forever,” Forbes, 30 July 2014
“Millennials and Money Worries,” Fidelity, 2014
“Now ‘me’ wants to have fun,”
says Adam,
26-years-old
Photo: Getty Images
7. 7
MILLENNIALS
Time should not be spent on money
“Millennials want very little – if any – part of
the financial services industry.”
www.benefitspro.com/
“Millennials don‘t want their lives to revolve
around money.”
www.pbig.ml.com
“71% would rather go to the dentist than to
listen to what a bank is saying.”
Sorry Banks, Millennials Hate You, Fast Company 2013
“80% of people don’t do budgeting.”
bankinnovation.net/
“Why so few consumers use this [PFM] tool is
that so few are engaged or active in the
management of their financial life.”
bankinnovation.net/
“70% of customers don’t want a relationship
with their financial institution, with half feeling
strongly about it.”
BAI
8. Nielson Global Survey of Investment Attitudes,
Only 16% of
Australians use a
FINANCIAL
PLANNER;
5% of
Millennials*
Australia has the
highest SELF-
DEPENDENCY
57%
in a Nielsen global
study of 68 countries
*www.cmawebline.org
9. 9
“According to a new study by Eventbrite, 69 percent of
millennials experience FOMO [Fear of Missing Out] when
they can't attend something that their family or friends are
going to. For millennials, FOMO is not just a cultural
phenomenon, it's an epidemic."
11. 11
CASE STUDY 1
Where Millennials like to
spend their time…
with other
PEOPLE
Is that a bank, or a café?
12. 12
CASE STUDY 2
ENTREPRENEURSHIP
CO-CREATION
PRODUCT DEVELOPMENT
44.2%
Half-year net profit increase
55,000
Pizza creators
Continually changing, like them
50%+
Digital orders up from 30%
$40,000
Highest customer earning
13. 13
CASE STUDY 3
Apps for what Millennials like to
do:
SEE/TOUCH/KNOW
WHAT’S NEW,
SOCIALISE,
not BANK
14. 14
ENGAGING MISSING MILLENNIALS
Stay unique, change
often. What differentiates
you from non-FS brand
leaders?
Create core products
delivering their passions
where they spend time;
invite them to co-create
Connect them
face-to-face
Think big,
start small,
move fast
Getty images#: 169710973 All images are from Getty unless otherwise noted.
Almost ALL wealth management and financial services providers have been doing these to engage Millennials, with varying results.
Research tells us Gen Y wants these. So why aren’t Gen Y lined up for our advice and products?
DEFINE MILLENNIALS Millennial characteristics DIVERSE GROUP Grew up with digital/computers/mobile
IRONIC MILLENNIALS, contradictory needs.
Oliver Wyman says friends/family were most influential in the move; social media was not.
Difficulty getting new accounts.
MoneysEdge.com says 23% plan to change banks in the next 12 months, but…The FinancialBrand.com states that only 9 Percent of households switch checking accounts annually, and that’s usually due to a home move or mistakes. It’s DOUBLE 18% for Millennials, according to Accenture.
LACK OF DIFFERENTIATION: undifferentiated from one provider to the next. How are you truly differentiated? What core products and services (rather than features) do you offer that your competitors don’t have. When Gen Y thinks of your organization, what do they say about you that they don’t say about any of your competitors. How does that compare with what they say about their favorite retailers, places to hang out, last holiday abroad, last BBQ?
76% do mobile banking of some sort
BANKING – Australians 18+ are using banking services on their smartphones 62% (more than Americans 44%. In September 2015, nearly 8 million Australians 18+ used their smartphone for their banking needs
Mobile apps like Commonwealth Bank’s Netbank and ANZ goMoney most used in Australia
Commonwealth Bank is the leader in this category on both smartphone and tablet devices, followed by ANZ. Over 80% of the active reach (%) on smartphones for the top four banks – Commonwealth Bank, ANZ, NAB and Westpac – is generated by their respective applications..
However
However, 85% of mobile time is spent on 3 – 5 apps, none of which is financial.
Financial use is not relational: Most mobile banking is transfers, bill pay, paying retailers, checking balances, Ref: rba.gov.au
Mobile banking vs Mobile TIME
When it comes to time spent on financial apps, Social took up the largest share of time on smartphones, Overall, Nielsen and the IAB Australia reported that social media accounted for 39% of smartphone time in Australia.
Facebook is the big winner when it comes to smartphone apps. It was the No. 1 app in the country in terms of unique audience, followed closely by Facebook Messenger, its own messaging app. Facebook was also the No. 2 site visited by smartphone users in Australia via mobile browser. - See more at: http://www.emarketer.com/Article/Apps-Dominate-Mobile-Internet-Time-Australia/1013355#sthash.WuUACUOm.dpufhttp://www.emarketer.com/images/chart_gifs/201001-202000/201553.gif
Morgan Stanley points out that only 12 of the top 50 mobile properties have more traffic coming from apps than the browser. The discussion argues for the primacy of the mobile browser for most publishers, brands and marketers.
This is what research tells us, but what’s behind the answers in the surveys?
The truth is that Gen Y doesn’t want a relationship with a bank or investment company. They don’t want to move their super for better performance. They’re not motivated by a lot less fees or better returns. They are motivated by doing nothing. NOTHING.
It’s not about easy, it’s not about convenient. It’s about doing NOTHING at all. Not dealing with finances. But spending time doing what Gen Y likes best.
To reach Gen Y, it’s not about financial services; but rather about DOING what they enjoy -- creating memorable experiences with friends and family-- because where you spend your time is where you spend your money
It’s not about advertising on their social media, but rather facilitating the socialization with others, face-to-face which is what they love best.
Irony: care about future and lifestyle; but don’t want to manage money
https://www.youtube.com/watch?v=YJNQacCr2Fs Fidelity video quote
Photo: http://www.gettyimages.com.au/license/168576796
“Millennials want very little – if any – part of the financial services industry.” http://www.benefitspro.com/2014/09/15/millennials-scorn-financial-services-firms
“Millennials don't want their lives to revolve around money.” http://www.pbig.ml.com/pwa/pages/millennials-and-money.aspx
“71% would rather go to the dentist than to listen to what a bank is saying.” Source: Sorry Banks, Millennials Hate You, Fast Company 2013
“Eighty percent of people don’t do budgeting.” http://bankinnovation.net/2012/11/banks-and-the-pfm-data-delusion/
“Why so few consumers use this [PFM] tool is that so few are engaged or active in the management of their financial life.” http://bankinnovation.net/2012/11/banks-and-the-pfm-data-delusion/
70% of customers don’t want a relationship with their financial institution, with half feeling strongly about it. Source: BAI
If Gen Y is not interested in spending time on their own money, does that mean they want financial advisors or you to manage it for them. No.
“While 95 percent [of Gen Y] said they don’t currently have a financial planner, and 84 percent think they don’t need financial advice https://www.cmawebline.org/ontarget/why-banks-need-to-switch-on-to-gen-y-now/
The Millennial paradox – a generation of contradictions. Don’t’ trust most people but they trust machines.
Service vs. advice Service people, science-based real-time tidbits of relevant advice automated. But they still would rather have nothing to do with money issues.
Among other countries surveyed, Australia (57%) and New Zealand (56%) topped the list when it came to being self dependent in taking investment decisions. Neilsen study of 68 countries http://docplayer.net/17644599-Nielsen-featured-insights.html
Parents #1 source of financial advice, but they’re not asking for ”advice”
http://www.wealthprofessional.com.au/news/aussies-dont-trust-financial-planners-but-all-is-not-lost-142399.aspx Nielson Global Survey of Investment Attitudes,
Less than one-third of Australians are happy with their financial situation, yet only 16% use a planner. But there is one demographic that is open to receiving professional advice. Just 16% of Australians currently rely on a financial planner or adviser, with the majority (57%) preferring to be solely in charge of their investment decisions.
In a recent Nielson Global Survey of Investment Attitudes, the theme of trust – or lack thereof –weaved throughout the findings. When it comes to trusting the recommendations of financial advisers, the results make for a disappointing read.
“There is a distinct lack of trust in personal financial planners and advisors in Australia,” said Chris Percy, managing director of Nielsen Pacific.
So what about automation. PFMs, for example.
Don’t’ talk about this. Notes only. Because the figures are still small. Blackrock study So why do so few Australians seek financial advice when the benefits are so clear?
Personal Financial Management tools (PFMs), like Cinch (built by 3rd party Yodlee) have the right idea, but...
The Yodlee tool is being used by 850+ organizations including 11 of the 20 largest U.S. Banks. Most of WM’s customers already have this tool available through their primary deposit bank or 3rd party PFMs like Mint, both of which they are far more likely to use and trust
Most studies are including any financial management tool as a PFM. , “Research firm Celent reported that only 4% of online banking customers at the top 50 banks are active PFM users.”
PFMs have little differentiation
PFMs are quickly abandoned: “I would estimate that I have looked at the PFM app three times since it went live. Why? Because it doesn’t tell me anything.” Source: BankInnovation.net
BankChoice Monitor claims 30% of consumers use a PFM, with 72% of those using a 3rd party site (e.g., Mint)
It’s not a barrel of laughs (How many people asked Siri: “What is zero divided by zero?”)
#1 reason: Millennials don’t want to spend time budgeting or managing finances. Most people don’t budget.
THE HUMANITY LINK & NIKE
The 'FOMO Epidemic' and Why It Matters to Millennial-Hungry Businesses Article in Entrepreneur Magazine.
Summarize: “Why do millennials favor experiences over physical purchases? One part of the puzzle is that millennials see shared experiences as key to bonding: 79 percent feel that going to live events with others helps deepen their relationships and 69 percent believe that attending events makes them feel more connected to other people. Plus, the rise of social media fuels FOMO and feelings of exclusion for millennials scrolling through posts on Facebook, Twitter and Instagram about events they missed.
Entrepreneurs have been cashing in on millennials' love for live experiences by inventing new venues where teens and twenty-somethings can take Instagram shots that make all their friends jealous. Three of the fastest growing categories in terms of Eventbrite ticket sales are concerts and music festivals, beer and food festivals, and color, costume and themed runs.
There's still time for entrepreneurs to craft their own FOMO-inducing events, as millennials don't look like they'll be reining in on their experience-based spending any time soon. Seventy-two percent of millennials say they would like to increase their spending on experiences rather than physical things in the next year.”
What does your mobile strategy offer that Gen Y is afraid of missing out on?
Nike Plus case study.
The Trend of HUMANITY. Digital has made us be with people more. Except financial planners. While banks use IVR, try to force self-service. 48% of Millennials want banks to have video chat.
Gen Y is twice as likely to shop with others. We want to spend more time with family and the circle of core friends that Millennials grew up with – Gen Y socialize differently. They didn’t pair off to get married in their early 20s. They look for opportunities to enjoy the good life with their friends, face-to-face.
How can you enable those face to face memorable events?
Summary.
So where DO Gen Y spend their time?
Let’s look at some examples of how financial svc orgs are meeting Gen Y where they are…
Case study 1 (new evolving disruptive models): Capital One 360 cafes. (describe personal experience there). US$25BN revenue. 812 branches, 8th largest in US. ING sold it’s US branches to Capital One in 2011. ING lean, branchless, cafes, non-banking employees, different local model/organization/strategy, partnership with Australia Post, and the cafe culture (Australia's "most recommended bank" also in France, Netherlands, UK, Canada and 30+ countries (where you spend your time is where you spend your money) Note: ING is different in Australia, the only country where it has more mortgages than deposit accounts.
NOT SAYING THEY SHOULD ALL OPEN CAFES. That’s Capital One/ING, and wouldn’t be a differentiator. So what should you do?
Started as a project to build a mobile ordering app. Through customer feedback on Minimal Viable Products, ended up as a co-creation strategy that made Domino’s #1 in Australia.
Zero Clicks
Meal customization—With Pizza Mogul, customers in Australia can now choose from 1.4 million different variations to create a pizza that they can then name, promote via their social networks, and receive ”commission” per pizza sold as a reward. One customer has earned more than $33,000. Massive PR coverage.
Results: Dramatic cut in advertising budget due to customers selling the product through social media. Average basket size increase of 25%,
Pizza Mogul (Agile & Lean) has been designed to allow for new features to be pushed to production on a daily basis, allowing early customer testing that helped validating the direction of the product.
Created an end-to-end integrated technology platform across devices within 5 months.
Discovery concluded that the fastest way to speed the ordering process was to encourage customers to order by mobile. With an aggressive goal to meet 80% online sales by 2016, and additional plans to roll out the Australian e-infrastructure to Domino’s Europe, Domino’s needed a new technology platform. They decided to partner with ThoughtWorks to create a HTML5 ordering platform for their highest revenue generating digital channels. Result: From 30% online ordering to 70% in 6 months.
Pizza Mogul interacts with 13 systems and apps, which include Domino’s internal systems (e.g. pricing engine, national ingredients list, national menu, etc.) in addition to external systems and applications.
Why a solution like BuyBye (describe mobile product):
It’s about a shopping experience, not about checking your bank account (which doesn’t provide your ability to spend in context).
Valuable lifestyle and purchase behavior data about where customers/prospects are (location based) and what they spend money on
Engages customers with Fidelity who currently do not respond to approaches using financial products/services/advice/education/social/gamification
Based upon research on how Millennials think about financial services, and what engages them
Can be used to adapt/iterate/pivot on existing products/services, or build new ones
Low risk rapid in-market prototyping. Customer behavior/feedback is the research
Talk about the 4 points.
Don’t follow the leader, be the leader
Kick off Roundtable with Norman
Questions (if needed)
Where are the areas or competitive advantage
What challenges have you found in engaging with 20 – 35 year olds that you haven’t encountered before?
Gen Y is called the “fickle generation.” How do you keep changing quickly to stay ahead while knowing what will entice them?
If Gen Y aren’t excited about traditional financial products, what types of products would thrill them?
Since we know that family and friend recommendations are a key driver of acquisition of financial services, how have you engaged this generation to socialize about your products and services?
What are you finding about the way Gen Y engages with technology?
What type of tech innovation do you think they will respond to?
Is having unique products any more important to this generation than others?
What approaches have been successful, unsuccessful?
Which brands are winning with Gen Y? Why do you think that’s true?
Photo: http://www.gettyimages.com.au/license/627026833