The document discusses the evolution of digital technologies and their impact on business models and customer experiences, noting that businesses need to adapt to changing user needs and empowered consumers who now have more control over their banking and financial experiences through online and mobile channels. It also highlights the importance of understanding customer behavior through data to optimize multi-channel experiences and transform customer visits into long-term relationships.
An exclusive presentation by Keith Swanson, Director, Financial Crimes, SAS South Asia presented on Big Data, Big Analytics & Bad Behaviour - Fighting Financial Crime.
For a while, I've had a vision of banking as a web service based upon widgets of functionality. This is becoming vital if banks are to fit into the semantic web. All of this is explained in my blog entry: http://thefinanser.co.uk/fsclub/2009/02/baas-banking-as-a-service-presentation.html.
Throughout the presentation there are links to the relevant entries here that explains it all too. Feel free to send me any comments or thoughts.
And, for lots more on this, have a look at my directory of social finance http://thefinanser.co.uk/fsclub/2009/04/a-directory-of-social-finance.html.
Online government and its challenges including a preview of some of the UK's first attempt at analysing what real people wanted from online government via ukonline
An exclusive presentation by Mr. Mazhar Leghari, Business Development Solution Manager, SAS Middle East FZ LLC; on ‘Building for Success: The Foundation for Achievable MDM’. The presentation was made at SAS Forum India 2013.
An exclusive presentation by Keith Swanson, Director, Financial Crimes, SAS South Asia presented on Big Data, Big Analytics & Bad Behaviour - Fighting Financial Crime.
For a while, I've had a vision of banking as a web service based upon widgets of functionality. This is becoming vital if banks are to fit into the semantic web. All of this is explained in my blog entry: http://thefinanser.co.uk/fsclub/2009/02/baas-banking-as-a-service-presentation.html.
Throughout the presentation there are links to the relevant entries here that explains it all too. Feel free to send me any comments or thoughts.
And, for lots more on this, have a look at my directory of social finance http://thefinanser.co.uk/fsclub/2009/04/a-directory-of-social-finance.html.
Online government and its challenges including a preview of some of the UK's first attempt at analysing what real people wanted from online government via ukonline
An exclusive presentation by Mr. Mazhar Leghari, Business Development Solution Manager, SAS Middle East FZ LLC; on ‘Building for Success: The Foundation for Achievable MDM’. The presentation was made at SAS Forum India 2013.
A new era in banking is underway. Social networking based innovations together with mass education on the use of technology have resulted in a new paradigm for managing money.
Check www.builttothrive.com and
www.systemiclogic.com
Rebuilding Customer Trust in Retail BankingNoreen Buckley
An IBM White Paper by Mike Hobday Banking Practice Leader
Global Business Services UK
and Ireland
IBM & Charles Spinosa
Group Director & Leader Marketing Practices VISION Consulting
Mobile Convention Amsterdam 2012 - Managing Mobile ChaosVirtual Affairs
Vraag je je af hoe je de project- en beheerkosten voor apps kunt verlagen? Hoe je een multi-channel of multi-device beleid managed? Hoe je applicaties veilig kunt koppelen aan complexe back-end systemen? Hoe de mobiele chaos te managen? Op 8 mei gaven we antwoord op o.a. deze vragen tijdens de Mobile Convention Amsterdam.
Mobiele toepassingen worden momenteel bijna altijd ontwikkeld per besturingssysteem, zoals Android, iOS, BlackBerry en Windows Phone. Naast het feit dit hoge projectkosten en een relatief lange ontwikkel heeft, is vooral het beheer een uitdaging.
Virtual Affairs en Kony leggen uit hoe deze mobiele chaos te managen. Het is mogelijk een mobiele applicatie te ontwikkelen die werkt voor alle benodigde besturingssystemen en apparaten (smartphones, tablets, kiosken en desk-/ laptops) tegen de laagste total cost of ownership.
Measuring the Blended Value of Corporate Social Responsibility and Social Ent...Karim Harji
Presentation to the Canadian Evaluation Society Annual Conference, Ottawa, June 2, 2009
Innovative evaluation methods and tools are emerging in the fields of corporate social responsibility (CSR) and social enterprise. The focus of these innovations is the measurement of the “blended value” (financial, social and environmental) that is created by CSR and social enterprise, which is of interest to social investors, “philanthrocapitalists” and governments.
This panel will summarize findings-in-process from ongoing applications in these spheres in Ontario, Ghana and other developing-world settings. There are advantages and challenges in applying “blended value” approaches that the presenters will examine. The panelists will also discuss the implications of these findings for the theory and practice of evaluation.
A new era in banking is underway. Social networking based innovations together with mass education on the use of technology have resulted in a new paradigm for managing money.
Check www.builttothrive.com and
www.systemiclogic.com
Rebuilding Customer Trust in Retail BankingNoreen Buckley
An IBM White Paper by Mike Hobday Banking Practice Leader
Global Business Services UK
and Ireland
IBM & Charles Spinosa
Group Director & Leader Marketing Practices VISION Consulting
Mobile Convention Amsterdam 2012 - Managing Mobile ChaosVirtual Affairs
Vraag je je af hoe je de project- en beheerkosten voor apps kunt verlagen? Hoe je een multi-channel of multi-device beleid managed? Hoe je applicaties veilig kunt koppelen aan complexe back-end systemen? Hoe de mobiele chaos te managen? Op 8 mei gaven we antwoord op o.a. deze vragen tijdens de Mobile Convention Amsterdam.
Mobiele toepassingen worden momenteel bijna altijd ontwikkeld per besturingssysteem, zoals Android, iOS, BlackBerry en Windows Phone. Naast het feit dit hoge projectkosten en een relatief lange ontwikkel heeft, is vooral het beheer een uitdaging.
Virtual Affairs en Kony leggen uit hoe deze mobiele chaos te managen. Het is mogelijk een mobiele applicatie te ontwikkelen die werkt voor alle benodigde besturingssystemen en apparaten (smartphones, tablets, kiosken en desk-/ laptops) tegen de laagste total cost of ownership.
Measuring the Blended Value of Corporate Social Responsibility and Social Ent...Karim Harji
Presentation to the Canadian Evaluation Society Annual Conference, Ottawa, June 2, 2009
Innovative evaluation methods and tools are emerging in the fields of corporate social responsibility (CSR) and social enterprise. The focus of these innovations is the measurement of the “blended value” (financial, social and environmental) that is created by CSR and social enterprise, which is of interest to social investors, “philanthrocapitalists” and governments.
This panel will summarize findings-in-process from ongoing applications in these spheres in Ontario, Ghana and other developing-world settings. There are advantages and challenges in applying “blended value” approaches that the presenters will examine. The panelists will also discuss the implications of these findings for the theory and practice of evaluation.
Mindtree's expertise in corporate banking portals.Mindtree Ltd.
Online banking in corporate banks is still at a very nascent stage. Most banks provide minimum service through disparate online channels, across product lines. A majority of them are organized as per product lines – cash management, corporate finance and leasing. Each business unit tends to have it’s own customer channel. This makes it difficult for the CIOs / CMOs to present a unified and coherent user experience. Adding mobile to the mix only increases the woes of corporate users.
Barclays' Multi-Channel Customer Service StrategyMoxie
In this presentation, Barclays, a Moxie customer discusses their multichannel customer service strategy, focused on supporting support clients in channels of their choice. As Barclays is doing this against the backdrop of a financial crisis that constrains investment, undermines confidence and heightens client scrutiny, this presentation also discusses balancing the needs of all stakeholders, while building out a customer focused multichannel strategy and platform.
Matt Smallman, Head of Strategy and Change, Global Client Experience.
Matt Smallman leads the Client Experience Strategy and Change team for Wealth and Investment Management at Barclays. Over the last 4 years his team has engineered and delivered a continuous stream of operating model improvements to the service centre platform which in 2012 won over 10 industry awards for excellence and innovation. Matt previously led Six Sigma process improvement projects at Barclays and before that was an officer in the Corps of Royal Engineers delivering counter improvised explosive device capabilities to deployed operations.
The nature of sales in retail banking has changed dramatically. While there is a renewed pressure to grow accounts, the techniques banks have traditionally used to acquire new accounts have become less effective.
As consumer preferences continue to shift and non-traditional competitors continue to disrupt the market, the ROI of acquisition techniques like batch mail and branch cross-sell will continue to decline. In order to thrive, banks need to leverage the tremendous amount of data they have on each of their customers to drive more profitable and satisfying customer interactions across all of their channels.
This presentation will:
• Identify the market trends impacting banks’ growth strategies.
• Explore the role of marketing and risk analytics in making better acquisition decisions.
• Introduce best practices for implementing a more holistic approach to account acquisition.
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
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@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 in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
8. 5. User Generated Content
Web-based Content
Millions of Content Creators Thousands of Publishers
(Consumer)
8
9. 6. Organic Knowledge
Business Intelligence is the #1 priority and IT growth spend…
Documented / Formalized Organic / Experiential
Chat
Tagging
Reports Glossaries
Notes Previous Actions
Help Systems Research Comments
Business Rules Taxonomies Communities
Blogs
Wikis
9
15. The Banking/Investment Ecosystem of Old
High Net Worth Financial Advisor Concierge
Online Statement
Mass Affluent Consultancy,
Financial Advisor
(Investment) Collaborative
Portfolio
Institution Email
Banking Self-Service
Online Mobile
Statement CSR
Credit Cards Mortgage
Checking Account Savings Account
CD
15
16. The Evolution of the Banking Ecosystem
High Net Worth Financial Advisor Concierge
Institution Email
Online Statement
Mass Affluent
Banking Consultancy,
Financial Advisor
(Investment)
+ Online Mobile
Collaborative
Consolidated
Mass Affluent Statement
Statement CSR
(Investment)
Credit Cards Portfolio Mortgage
Portfolio
Checking Account Savings Account
CD
Institution Email
Banking
Online Mobile
Statement CSR
Credit Cards Mortgage
Checking Account Savings Account
CD
16
17. Financial Institutions are Changing Forever
Vanishing Act: Wall street is disappearing through mergers and acquisitions – and recent failures
17
19. Customer Experience as a Differentiator
Products & Services Service Channels Customer Experience
Portfolio
• Checking/savings • Internet banking • Value added products
accounts • ATM network and services based on
• Mortgage • 24x7 Call center deeper understanding
• Debit/credit cards • IVR & email support of customer behavior
• Investment products • Mobile banking • Efficient multi-channel
• Third party transfers • Online chat customer experience
• Bill payment • Reduced cost of
servicing
19
21. Managing Customer Experience
79% of consumers will commit to a deeper product or service relationship with a
brand after a satisfying experience.
Create advocates!
Advocates…
• spend more
• remain customers longer
• refer new customers
59% of customers who have multi-channel interactions will stop doing business with
the brand after just one bad experience - 2004 IBM customer study
21
22. Optimizing a Multi-channel Experience
Research ATM
Transact Branch
Website Branch
Call center Secure Website Mobile
Website
Apply Branch
Call center
Mobile
IVR
Email
Support Feedback
22
23. Optimizing Cost vs. Value
Scenario: Open an account
Perceived value Customer convenience
- Personalized service - Time and effort
- Privacy and security
- Advice
Website Website Call center Branch
+
Perceived
value
Customer
convenience
Cost per transaction
23
24. Converting a Visit Into a Relationship
Convert Service Engage
• Highlight value proposition • Offer self-serve channels • Maintain communication
• Educate on products • Provide proactive across channels
• Support product selection communication and support • Advise to make good financial
• Simplify application process • Contextually up sell products decisions
• Contextually up sell products and services • Offer value added services
• Address privacy and security and products $ $
concerns Sha re $
Wallet $ $
Loyalty
ction Proactive
Satisfa Enriching
$ Responsive Rewarding
Reliable Advisory
Persuasive Consistent
Emotive
Predictable
Trustworthy
24
27. Business Strategy Converges on User Experience
Business Strategy
& Vision
Data
Applications A
B
Technology C
IT Infrastructure Competitive Landscape
Target Audience
27
28. Staying Ahead by Looking at the Future
How do you get there?
Where are you now?
Where do you want to be?
28
29. Stakeholder Visioning
Priorities of Individual Stakeholders Unified and Executable Vision
Competitive
advantage Better access to
Greater company
agility knowledge
Higher
Stakeholder
employee
Lower costs
satisfaction visioning
Faster time
to market
Siloed and disconnected… Concrete and operational…
29
30. Stakeholder Visioning
Priorities of Individual Stakeholders Unified and Executable Vision
Stakeholder
visioning
30
31. Assessing Current State
How do you get there?
Where are you now?
Where do you want to be?
31
33. Think Personas: Your Customers and their Goals
Information driven Feature driven Value driven
Ryan Phil
Michelle
38 years old, Sales 58 years old, CEO
24 years old, MBA Manager
Starting her first job Planning for retirement.
Always on the move…
as HR Manager Christina Rosa and Alan Jim
45 years old, Single Mom 39 and 42 years. I would like to know about 48 Years, VP Telecom
I m ready to focus on my finances. I want to bank at my convenience investments options.
Moved to new town, new They d like to begin college Manages several accounts
people, new bank funds for their two kids and credit cards
Banking has to be as efficient as I
We need an easy way to plan for our
I want a secure future for my child am. It should be there when I need
children and protect our assets.
it and it has to be simple.
§ Product research § Multi-channel § Multi-product, multi-channel
§ Product comparison and § Customer support § Value added services
selection § Account application § High value transactions
§ Account application § Value added services § Smart financial decisions
§ Learn about privacy and
security measures
Educate Service and Advise
Communicate
33
34. Understanding the Current Assets
Utilities
Bill Pay Brokerage
Trading
Retail Insurance
Bank
Payment Gateway Premium Payments
AMC
Investments / SIP
Other Banks
Funds Transfer
34
39. 2. Experience Trumps Performance
Products & Services Service Channels Customer Experience
Portfolio
• Checking/savings • Internet banking • Value added products
accounts • ATM network and services based on
• Mortgage • 24x7 Call center deeper understanding
• Debit/credit cards • IVR & email support of customer behavior
• Investment products • Mobile banking • Efficient multi-channel
• Third party transfers • Online chat customer experience
• Bill payment • Reduced cost of
servicing
39
40. 3. The New Banking/Investment Ecosystem
High
Net Worth
Banking + Mass Affluent
• Integrated, less stratified
• More products and services
• Optimized Advisor-Investor intimacy
• Effective channel strategy
40
41. 4. Persuasion in Design
Performance Design Persuasion Design
can do will do
Validation
Design
Assessment
Strategy
Science
Performance + Persuasion = conversion, contribution, uptake, usage…
41
42. 4. Persuasion in Design
Persuade me to…
Collaborate
Contribute
Research
Take Action
42