This conference explored technological innovation across the financial services sector, from developments in leading tier 1 institutions to the disruptive innovators within the start-up community that are reshaping the FS market. The agenda also contextualised the impact of key technology trends such as: Cloud, Mobile, Big Data and Block Chain technology.
Marsden CELPU 2021 platform law co-regulationChris Marsden
12 November 2021 20th Annual International Conference, Center for Law & Public Utilities, School of Law, Seoul National University: The Wave of Digital Economy and Exploration of the Direction of Online Platform Regulation
Professor Chris Marsden, Sussex Law @SussCIGR
Discussion: Dr Eun-Jung Kwon (KISDI)
Veber FinTech Vs Banking consumer reportMarie Johnson
The Veber FinTech Consumer Survey was based on discovering user perceptions of Banking, a once stable and traditional industry landscape, in comparison to what we’re now seeing which is the ever changing innovative FinTech market. The survey focusses on the trends of FinTech and whether the face of traditional banking will change by 2020.
The white paper also includes video extracts from leading FinTech experts and an exclusive interview with
George Huntley, COO The Money Platform. George gives an in depth account of his FinTech startup journey and his views on the Banking industry and the rise of FinTech.
Disruptive Technologies – A 2021 UpdateCTRM Center
In 2021, Commodity Technology Advisory LLC (ComTech) published its first Disruptive Technologies research report (that version kindly sponsored by FIS). Technologies covered in the study scope included cloud/SaaS, Artificial Intelligence (AI), Machine Learning (ML), big data, automation and blockchain, amongst others. The findings were supported by an industry survey that led to the broad conclusions that cloud/SaaS and data management initiatives were in flight. AI, ML and automation seemed to be prepping for an explosion of use while blockchain was overhyped and lagging. Over the last couple of years, our general market observations as analysts have largely confirmed the results of the research.
In summary, Malaysia needs to:
1.
Create a dynamic and more competitive ecosystem for its digital economy that embodies changes to its infrastructure, regulations, skills and public finance
2.
Achieve universal, fast, and inexpensive internet connectivity for businesses and households and fix the way it regulates the internet so unfair and damaging business practices can be corrected
3.
Improve human capital through better curriculum and life-long learning opportunities and encourage more vibrant private sector finance so digital entrepreneurs can bring ideas to market
4.
Take measures that will safeguard future tax revenues from the digital economy to reinvest in areas that the economy needs most
Where do telecom operators go from here?CM Research
Why have telecom operators performed so badly over the last decade and what strategy do they need to adopt in order to remain relevant in the Digital World?
Telcos’ have consistently underperformed analyst and market expectations … their stock market recoveries after the 2000 crash and the 2007 crash were weak relative to the rest of TMT.
Their core revenues – voice, messaging and internet access – are now in terminal decline (or at least moving towards terminal decline).
Their future is tied to over-the-top services such as internet TV, mobile payments and cloud services.
Telcos remain the most over-regulated part of the internet value chain, so any super-normal profits they attempt to make from new technology cycles risk being capped by the regulator.
In order to survive, Telcos need to latch on to one of the many emerging technology cycles mentioned on page 19.
But they also need to change their business models:
- By moving towards software services
- By restructuring their businesses such that their new products are not regulated
- By consolidating to eliminate excess competition
SK Telecom is an example of how the move to software can raise shareholder returns.
BT’s ring-fencing of its regulated activity into Openreach is an example of the type of internal restructuring that can raise shareholder returns
AT&T and Verizon are living proof that industry consolidation will raise shareholder returns.
Marsden CELPU 2021 platform law co-regulationChris Marsden
12 November 2021 20th Annual International Conference, Center for Law & Public Utilities, School of Law, Seoul National University: The Wave of Digital Economy and Exploration of the Direction of Online Platform Regulation
Professor Chris Marsden, Sussex Law @SussCIGR
Discussion: Dr Eun-Jung Kwon (KISDI)
Veber FinTech Vs Banking consumer reportMarie Johnson
The Veber FinTech Consumer Survey was based on discovering user perceptions of Banking, a once stable and traditional industry landscape, in comparison to what we’re now seeing which is the ever changing innovative FinTech market. The survey focusses on the trends of FinTech and whether the face of traditional banking will change by 2020.
The white paper also includes video extracts from leading FinTech experts and an exclusive interview with
George Huntley, COO The Money Platform. George gives an in depth account of his FinTech startup journey and his views on the Banking industry and the rise of FinTech.
Disruptive Technologies – A 2021 UpdateCTRM Center
In 2021, Commodity Technology Advisory LLC (ComTech) published its first Disruptive Technologies research report (that version kindly sponsored by FIS). Technologies covered in the study scope included cloud/SaaS, Artificial Intelligence (AI), Machine Learning (ML), big data, automation and blockchain, amongst others. The findings were supported by an industry survey that led to the broad conclusions that cloud/SaaS and data management initiatives were in flight. AI, ML and automation seemed to be prepping for an explosion of use while blockchain was overhyped and lagging. Over the last couple of years, our general market observations as analysts have largely confirmed the results of the research.
In summary, Malaysia needs to:
1.
Create a dynamic and more competitive ecosystem for its digital economy that embodies changes to its infrastructure, regulations, skills and public finance
2.
Achieve universal, fast, and inexpensive internet connectivity for businesses and households and fix the way it regulates the internet so unfair and damaging business practices can be corrected
3.
Improve human capital through better curriculum and life-long learning opportunities and encourage more vibrant private sector finance so digital entrepreneurs can bring ideas to market
4.
Take measures that will safeguard future tax revenues from the digital economy to reinvest in areas that the economy needs most
Where do telecom operators go from here?CM Research
Why have telecom operators performed so badly over the last decade and what strategy do they need to adopt in order to remain relevant in the Digital World?
Telcos’ have consistently underperformed analyst and market expectations … their stock market recoveries after the 2000 crash and the 2007 crash were weak relative to the rest of TMT.
Their core revenues – voice, messaging and internet access – are now in terminal decline (or at least moving towards terminal decline).
Their future is tied to over-the-top services such as internet TV, mobile payments and cloud services.
Telcos remain the most over-regulated part of the internet value chain, so any super-normal profits they attempt to make from new technology cycles risk being capped by the regulator.
In order to survive, Telcos need to latch on to one of the many emerging technology cycles mentioned on page 19.
But they also need to change their business models:
- By moving towards software services
- By restructuring their businesses such that their new products are not regulated
- By consolidating to eliminate excess competition
SK Telecom is an example of how the move to software can raise shareholder returns.
BT’s ring-fencing of its regulated activity into Openreach is an example of the type of internal restructuring that can raise shareholder returns
AT&T and Verizon are living proof that industry consolidation will raise shareholder returns.
Telco 2.0 Transformation Index - Methodology and ApproachSimon Torrance
An outline of the business model framework and analytical methodology of the Telco 2.0 Transformation Index, giving comparative scores and in-depth analysis on leading telcos / Communication Service Providers' transformation to the 'Telco 2.0' business model. Initial companies covered include Telefonica, Vodafone, AT&T, Verizon, Etisalat, Ooredoo (formerly Qtel), Singtel, and Axiata. Areas covered: Markets and Position; Service Offerings, Value Network, Technology, and Finances.
Economic and social activity facilitated by digital platforms that are typically online matchmakers or technology frameworks. Beyond examples like Amazon, Airbnb, Uber or Baidu, we dive into innovation & startup platforms, which provides a common technology framework upon which others can build, such as the many independent developers.
Topics:
- A fundamental change in business logic
- Basics of platform economy
- Value of data
- Connecting themes
- Platform economy business models
- Case: Startup Commons
- Designing platform economy business models
Technology is not only shaping our lives, but it is also affecting how business is done and how successful it will be. Neil Haboush a reputable businessman in sales and technology puzzle over the technology trends that will impact 2020. Here are the biggest business technology trends in 2020.
https://hackernoon.com/6-biggest-business-technology-trends-in-2020-00q32d9
State of the internet of things (IoT) market 2016 editionPrayukth K V
2015 was the year IoT gained legitimacy.
Businesses budged off a “start small think big” mindset.
In 2016, they’re building IoT into future strategies and
business models. Companies across all industries now
have IoT squarely on their radar. The worldwide Internet
of Things market spend will grow from $591.7 billion
in 2014 to $1.3 trillion in 2019 with a compound annual
growth rate of 17%. The installed base of IoT endpoints
will grow from 9.7 billion in 2014 to more than 25.6 billion
in 2019, hitting 30 billion in 20201.
SVB Analytics completed an in-depth analysis of the Internet of Things (IoT). IoT refers to everyday objects — like cars, food, pets and toys — that are connected to the Internet via smart chips which sense and share information about themselves and their surroundings. The report was developed as part of our strategic advisory service, which provides investors and entrepreneurs with an assessment of a company's value in support of acquisitions, mergers, investments, and other strategic financing activities.
Future of digital identity programme summary - 19 mar 2019 lrFuture Agenda
How we prove that we are who or what we say we are during digital transactions and interactions is set to become one of the defining features of the next stage of the human digital transformation. Today, we are living with early attempts to solve the problem that are no longer fit for purpose. At best, the multitude of different ways we login, confirm our identities, and establish trust in claims made during digital exchanges, has become profoundly inconvenient. At worst, they have left us in a connected world which is neither safe nor secure, and in which we seem to have completely lost control of our most personal information. The next generation solutions to the digital identity challenge could change all of this.
At the end of 2018, Future Agenda undertook a major project exploring the Future of Digital Identity. With the generous support of Mastercard, the Future Agenda team ran a series of expert workshops in different locations around the world that explored the key factors that are likely to shape the future of digital identity. The programme began with an initial perspective as a provocation. Participants in the workshops then gave us new, more fully formed, insights which were in turn explored further during one-to-one interviews with major stakeholders and thinkers in the space.
We are proud to launch this report of the findings of that work
We would like to extend our sincerest thanks to all of those who contributed to the programme.
As always, we consider our reports to be the start point for further conversations, and would welcome further input. If you would like to join the conversation, you can join our LinkedIn Group here. If you have any further questions or would like to have a conversation about how your organisation can best make use of our respond to the implications of the Future of Digital Identity please contact
Dr Robin Pharoah https://www.linkedin.com/in/robinpharoah,
James Alexander https://uk.linkedin.com/pub/james-alexander/0/747/617 or
Patrick Harris https://www.linkedin.com/in/patrick-harris-777767/
This is the initial perspective:
https://www.slideshare.net/futureagenda2/the-future-of-digital-identity-initial-perspective
This was the initial summary:
https://www.slideshare.net/futureagenda2/future-of-digital-identity-programme-summary-15-dec-2018-lr
Hafsah Hashim - Adoption of digital technologies for SMEs: React, Reflect and...OECD CFE
20-21 February 2018, Mexico City: Workshop on building business linkages that books SME productivity.
http://www.oecd.org/cfe/smes/workshop-on-building-business-linkages-that-boost-SME-productivity.htm
Builders of the Digital Ecosystem: The 2013 Booz & Company Global ICT 50 StudyFlorian Gröne
In its second year, this study analyzes the top companies in the digitization ecosystem, describing which are prospering and which are not, and providing some guidance about why. Dividing them into four sectors—hardware, software, IT services, and telecom—we consider the factors that determine their influence: financial performance, portfolio strength, go-to-market footprint, and innovation and branding, as well as their strategic directions.
Digital Transformation Strategy - 4IR AI Blockchain Fintech by Dinis GuardaDinis Guarda
Digital transformation strategy
How to be a business fit
In a time of 4IR AI Blockchain Fintech
The future of all businesses and related industries is all about disruption – and that’s a good thing
Disruption across all industries is inevitable, but rather than bracing for the change, businesses should be confident to accept and embrace it.
This is the only way to be fit in a digital transformation 4IR time.
by Dinis Guarda,
author, CEO founder ztudium - openbusinesscouncil.org - fashionabc.org - intelligenthq.com
Technology tech trends 2022 and beyond Brian Pichman
It's that time of year again, where we get to look ahead and finally have some good news. Tech enthusiast Brian Pichman of the Evolve Project will showcase the latest technology trends and how that impact our learning spaces and spaces at home. It is guaranteed to make you forget about all of 2020 and 2021....well maybe that's a new technology about to be released, the MIB memory eraser. Join this exciting webinar and leave with some high hopes of new technology to explore!
Telco 2.0 Transformation Index - Methodology and ApproachSimon Torrance
An outline of the business model framework and analytical methodology of the Telco 2.0 Transformation Index, giving comparative scores and in-depth analysis on leading telcos / Communication Service Providers' transformation to the 'Telco 2.0' business model. Initial companies covered include Telefonica, Vodafone, AT&T, Verizon, Etisalat, Ooredoo (formerly Qtel), Singtel, and Axiata. Areas covered: Markets and Position; Service Offerings, Value Network, Technology, and Finances.
Economic and social activity facilitated by digital platforms that are typically online matchmakers or technology frameworks. Beyond examples like Amazon, Airbnb, Uber or Baidu, we dive into innovation & startup platforms, which provides a common technology framework upon which others can build, such as the many independent developers.
Topics:
- A fundamental change in business logic
- Basics of platform economy
- Value of data
- Connecting themes
- Platform economy business models
- Case: Startup Commons
- Designing platform economy business models
Technology is not only shaping our lives, but it is also affecting how business is done and how successful it will be. Neil Haboush a reputable businessman in sales and technology puzzle over the technology trends that will impact 2020. Here are the biggest business technology trends in 2020.
https://hackernoon.com/6-biggest-business-technology-trends-in-2020-00q32d9
State of the internet of things (IoT) market 2016 editionPrayukth K V
2015 was the year IoT gained legitimacy.
Businesses budged off a “start small think big” mindset.
In 2016, they’re building IoT into future strategies and
business models. Companies across all industries now
have IoT squarely on their radar. The worldwide Internet
of Things market spend will grow from $591.7 billion
in 2014 to $1.3 trillion in 2019 with a compound annual
growth rate of 17%. The installed base of IoT endpoints
will grow from 9.7 billion in 2014 to more than 25.6 billion
in 2019, hitting 30 billion in 20201.
SVB Analytics completed an in-depth analysis of the Internet of Things (IoT). IoT refers to everyday objects — like cars, food, pets and toys — that are connected to the Internet via smart chips which sense and share information about themselves and their surroundings. The report was developed as part of our strategic advisory service, which provides investors and entrepreneurs with an assessment of a company's value in support of acquisitions, mergers, investments, and other strategic financing activities.
Future of digital identity programme summary - 19 mar 2019 lrFuture Agenda
How we prove that we are who or what we say we are during digital transactions and interactions is set to become one of the defining features of the next stage of the human digital transformation. Today, we are living with early attempts to solve the problem that are no longer fit for purpose. At best, the multitude of different ways we login, confirm our identities, and establish trust in claims made during digital exchanges, has become profoundly inconvenient. At worst, they have left us in a connected world which is neither safe nor secure, and in which we seem to have completely lost control of our most personal information. The next generation solutions to the digital identity challenge could change all of this.
At the end of 2018, Future Agenda undertook a major project exploring the Future of Digital Identity. With the generous support of Mastercard, the Future Agenda team ran a series of expert workshops in different locations around the world that explored the key factors that are likely to shape the future of digital identity. The programme began with an initial perspective as a provocation. Participants in the workshops then gave us new, more fully formed, insights which were in turn explored further during one-to-one interviews with major stakeholders and thinkers in the space.
We are proud to launch this report of the findings of that work
We would like to extend our sincerest thanks to all of those who contributed to the programme.
As always, we consider our reports to be the start point for further conversations, and would welcome further input. If you would like to join the conversation, you can join our LinkedIn Group here. If you have any further questions or would like to have a conversation about how your organisation can best make use of our respond to the implications of the Future of Digital Identity please contact
Dr Robin Pharoah https://www.linkedin.com/in/robinpharoah,
James Alexander https://uk.linkedin.com/pub/james-alexander/0/747/617 or
Patrick Harris https://www.linkedin.com/in/patrick-harris-777767/
This is the initial perspective:
https://www.slideshare.net/futureagenda2/the-future-of-digital-identity-initial-perspective
This was the initial summary:
https://www.slideshare.net/futureagenda2/future-of-digital-identity-programme-summary-15-dec-2018-lr
Hafsah Hashim - Adoption of digital technologies for SMEs: React, Reflect and...OECD CFE
20-21 February 2018, Mexico City: Workshop on building business linkages that books SME productivity.
http://www.oecd.org/cfe/smes/workshop-on-building-business-linkages-that-boost-SME-productivity.htm
Builders of the Digital Ecosystem: The 2013 Booz & Company Global ICT 50 StudyFlorian Gröne
In its second year, this study analyzes the top companies in the digitization ecosystem, describing which are prospering and which are not, and providing some guidance about why. Dividing them into four sectors—hardware, software, IT services, and telecom—we consider the factors that determine their influence: financial performance, portfolio strength, go-to-market footprint, and innovation and branding, as well as their strategic directions.
Digital Transformation Strategy - 4IR AI Blockchain Fintech by Dinis GuardaDinis Guarda
Digital transformation strategy
How to be a business fit
In a time of 4IR AI Blockchain Fintech
The future of all businesses and related industries is all about disruption – and that’s a good thing
Disruption across all industries is inevitable, but rather than bracing for the change, businesses should be confident to accept and embrace it.
This is the only way to be fit in a digital transformation 4IR time.
by Dinis Guarda,
author, CEO founder ztudium - openbusinesscouncil.org - fashionabc.org - intelligenthq.com
Technology tech trends 2022 and beyond Brian Pichman
It's that time of year again, where we get to look ahead and finally have some good news. Tech enthusiast Brian Pichman of the Evolve Project will showcase the latest technology trends and how that impact our learning spaces and spaces at home. It is guaranteed to make you forget about all of 2020 and 2021....well maybe that's a new technology about to be released, the MIB memory eraser. Join this exciting webinar and leave with some high hopes of new technology to explore!
The "top down" approach emphasizes readers bringing meaning to text based on their experiential background and interpreting text based on their prior knowledge (whole language).
All words belong to categories called word classes (or parts of speech) according to the part they play in a sentence. The main word classes in English are:
- Noun
- Verb
- Adjective
- Adverb
- Pronoun
- Conjunction
- Determiner
- Exclamation
- Preposition
12 Months of Awesome (Content) for Socially Responsible BusinessesAndrew Boardman
Having worked with dozens of socially responsible businesses
over the years, we have learned that having access to great,
regular and informed content is key to your communications
success. And content is more important than ever in
connecting with prospective and current customers and
clients.
Your business blog and social media channels make up a
crucial part of your marketing and communications strategy.
Please use this calendar to outline or enhance your content
strategy and keep on top of your marketing goals for the
remainder of 2015 and the first eight months of 2016.
AN ANALYSIS OF CHILD ABUSE IN INDIAN SCENARIOIJMR Journal
Public conscience is not outraged, despite occasional investigative media reporting and social action litigation in appellate courts in labour-surplus economy and chronic unemployment which provide passport for ruthless exploitation. According to Precht, the promotion of the basic rights of persona and nations will be successful if they will be considered from the perspective of the poor people. Among factors contributing to child labour, the important are rapid population growth, adultery unemployment, bad working conditions, lack of minimum wages, exploitation of workers, low standard of living, low quality of education, lack of legal provisions and enforcement, low capacity of institutions, gender discrimination conceptual thinking about childhood. Mindset of the people can be changed by imparting value based education and culture.
Design for Learning: The Future of the Web (Well, for 5 Years)Andrew Boardman
Over the next few years, websites will change from validation tools to learning platforms. Through your website, people will want to learn from your business, connect with your ideas, and develop strong relationships. Remarkable content, coupled with smart design, will help make those connections. The best communication professionals will help drive those connections and must be prepared for the changes immediately ahead. The talk will discuss a brief history of the web, how content is changing online, why we talk about learning, and where design and communications will be most impactful in the next few years.
Ijciss1 april2612 A STUDY ON CELLULAR SERVICE INDUSTRY ON ITS SERVICE QUALITY...IJMR Journal
The objectives of this paper were to explore reasons why consumers prefer a specific mobile service and to explore the relationship between Service Quality, Customer Satisfaction and Brand Loyalty. The cellular service providers are using different sales promotional methods to attract the customers towards them. For further enhancement, to measure the Customers’ Satisfaction and Service Quality towards Brand Loyalty of cellular service is important. The survey instruments used in the present study to measure Brand Loyalty were Service Quality, Price, Product Quality, Promotional Quality and Customer Satisfaction. Thus the structural equation modeling approach was necessary in order to examine the variables. The findings revealed that reliability, responsiveness in service quality, reasonable price and customer satisfaction leads to brand loyalty towards cellular communication providers. The researcher suggests that proper promotional offer with right service at the right time and enhanced product quality to make the customer satisfied and loyal to the service providers.
Keywords: Service Quality, Price, Product quality, Promotional quality, Customer satisfaction, Service/Brand loyalty.
360 degrees fintech revolution at ArabNet Beirut 2017ArabNet ME
Elias Gagas, Chief Digital Officer of Payment Components, presents a holistic view on the root causes & key stakeholders of the FinTech (R)evolution. The presentation also includes international use cases & a quick review of Best practices on “Things to Do / Things to Avoid” to be successful in the FinTech era.
Originally presented during the Arabnet Beirut Banking Innovation Day (21/2/2017).
This presentation provides an overview of the different drivers & stakeholders shaping the FinTech revolution.
Originally presented during the Arabnet Beirut Banking Innovation Day (21/2/2017).
This presentation provides an overview of the different drivers & stakeholders shaping the FinTech revolution.
Open U Talk from the Institute of Financial Technologists of AsiaNicole Kuo
Founder of Institute of Financial Technologists, Mr. Paul Pong's, talk for MBA students at the Open University of Hong Kong. Outlining opportunities and effect from Chinese depositary receipt and weighted voting rights. Also urging the needs of lack of fintech talents in the industry!
A look inside the top 4 trends driving the FinTech industry today. How technology is impacting financial services and how they can benefit from advanced data analysis. Presented by Peter Huang, Director of Data at Beyondsoft.
Presentation from Apigee's Open Banking & PSD2 Summit in London on 19th May 2016. Success examples on Open Banking and key next steps to get your business ready for PSD2
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
Nimble AppGenie is the top FinTech app development company. We provide top-notch and feature-rich FinTech applications for industry newcomers as well as well as established enterprises. So, your hunt for best FinTech app developers ends here.
For More details Click Here- https://www.nimbleappgenie.com/fintech-app-development
In recent months, many customers have been asking us the question – how to monetise Open APIs, simplify Fintech integrations and accelerate adoption of various Open Banking business models. Therefore, AWS and FinConecta would like to invite you to Open Finance marketplace presentation on October 20th.
Event Agenda :
Open banking so far (short recap)
• PSD2, OB UK, OB Australia, OB LATAM, OB Israel
Intro to Open Finance marketplace
• Scope
• Features
• Tech overview and Demo
The role of the Cloud
The Future of APIs
• Complying with regulation
• Monetizing data / APIs
• Business models
• Time to market
One platform for all: a Strategic approach
Q&A
(Almost) everything you need to know to start in FintechSophie Guibaud
This workshop will provide readers with a global overview of the Fintech world, market dynamics and how London has managed to become a leading Fintech hub. They will learn about the various business models that fall under the Fintech umbrella (Payments, Money transfer, Crowdfunding, Lending, Data & Analytics) and also discuss new banking models that are trying to inspire and shape the bank of the future.
Extreme Digital Ventures is a project development and early stage VC consultancy for immersive, spatial, and intelligent computing in consumer and enterprise sectors.
The Summit will consider the role of leadership within the technology domain. Amidst a backdrop of uncertainty and disruption, the conference will discuss how you can help your organisation navigate change, overcome problems and accelerate innovation.
The programme will feature insights from an impressive array of technologists, founders, researchers and transformation specialists; contextualising the biggest challenges facing the industry and sharing practical advice, guidance and best-practice on how you can maximise your impact within your team.
Now in its seventh year, the Summit has established itself as the largest annual leadership event for Scotland’s Technology community, and an invaluable forum for knowledge exchange, discussion and high-level networking.
Core themes:
Trends: Digitalisation, agility, disruption and hybrid teams
Evolution: The changing nature of technology as a discipline
Leadership: Strategy, empowerment, communication, motivation and empathy
Culture: Creating a culture of inclusion, innovation and exploration
Impact: Technology as a driver of growth, innovation and improvement
The North of Scotland is in the midst of a full-scale transformation. Building on a well-established reputation as a global energy hub, the North is fast becoming a key destination for emerging innovation across an increasing range of sectors.
The DIGIT North Summit is designed to bring IT and Digital leaders together and drive practical innovation through shared learning. The event will facilitate cross pollination between key industries, from traditional sectors like Oil & Gas and Agriculture to high-growth fields like: Life Sciences, Biotech, Gaming, Fintech and Space.
The programme will contextualise the key emerging technologies and industry disruptors, and consider the vital role that IT and Digital leaders will play in ensuring organisations can thrive amid a backdrop of market change and economic volatility.
Organisations are changing, the rapid pace of the digital world has necessitated a fundamental shift in mindset. Digital has disintermediated markets; disrupted organisational structures, created new risks and new revenue streams and fundamentally altered the way businesses engage with their customer.
The most influential companies of our age share a common ability to understand two things effectively: people and technology. In these turbulent times, success is increasingly defined by the ability to respond to the fast-changing landscape, and exceed the expectations of the people we serve.
DT 2021 will contextualise the key technology trends and industry disruption amidst a backdrop of significant socio-economic upheaval. The event will also consider the role of IT and Digital leaders in driving positive transformation, exploring how we can help support operations, drive innovation, overcome challenges, and deliver tangible business benefits.
Core themes:
• Landscape: Uncertainty, Recovery, Sustainability, Remote Teams
• Process: Strategy, Structure, Optimisation, Agile, DevOps
• Design: Customer Centricity, UX, Functionality, Simplification
• Technology: Remote Tools, Data Analytics, AI, ML, RPA, Cloud
• People: Culture, Collaboration, Leadership, Diversity, Empowerment
The national Scot-Secure Summit is the largest annual Cyber Security event in Scotland: the event brings together senior IT leaders and Information Security personnel, providing a unique forum for knowledge exchange, discussion and high-level networking.
The conference programme is focused on promoting best-practice cyber security; looking at the current trends, the key threats - and offering practical advice on improving resilience and implementing effective security measures.
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 2018 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. 18 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
SCOTLAND’S MUST-ATTEND IT & DIGITAL EVENT
The expo is the largest annual enterprise technology event run in Scotland, and a must-attend for senior technologists, digital innovators and IT leaders.
SCOTLAND’S LARGEST VENDOR SHOWCASE
DIGITExpo hosts Scotland’s largest exhibition of technology and solution providers, spanning: Cyber Security, Networking, Infrastructure, Cloud, Data & Analytics, Managed IT Services, Telecoms, Connectivity and much more.
TOP SPEAKERS AND INDUSTRY INSIGHT
Keynote and seminar theatres will host leading thinkers and innovators from some of the best known companies in the world. 2018 speakers include: Google, Twitter, Mclaren, RSB, Hill & Knowlton, CYBG, IBM, EasyJet and AmTrust.
SCOTLAND’S MUST-ATTEND IT & DIGITAL EVENT
The expo is the largest annual enterprise technology event run in Scotland, and a must-attend for senior technologists, digital innovators and IT leaders.
SCOTLAND’S LARGEST VENDOR SHOWCASE
DIGITExpo hosts Scotland’s largest exhibition of technology and solution providers, spanning: Cyber Security, Networking, Infrastructure, Cloud, Data & Analytics, Managed IT Services, Telecoms, Connectivity and much more.
TOP SPEAKERS AND INDUSTRY INSIGHT
Keynote and seminar theatres will host leading thinkers and innovators from some of the best known companies in the world. 2018 speakers included: Google, Twitter, Mclaren, RSB, Hill & Knowlton, CYBG, IBM, EasyJet and AmTrust.
Emerging technology is having a profound impact on the Financial Services sector; from mobile payments, APIs and Open Platforms to Machine Learning, Robo Investment and AI Chatbots.
The Summit will explore technological innovation across the financial services sector, from developments in established institutions to the disruptive innovators within the start-up community that are reshaping the FS market.
Core conference topics:
• 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
The modern enterprise is becoming an increasingly automated environment: technological advancements in AI, Machine Learning and RPA are allowing organisations to strip out layers of inefficiency, optimise process and enhance productivity. Right across the enterprise, operations are changing in line with new automation tools, from low-level administrative tasks to self-regulating Industrial IoT systems and customer service chatbots.
This conference will contextualise the role of intelligent automation within the enterprise, looking at how the increasing sophistication of AI, RPA and IoT technologies are transforming operations. The conference is geared towards senior IT and digital leaders, providing an insightful peer-led environment and a crucial forum for knowledge exchange, engagement and high-level networking
As technology has evolved IT has transitioned from a background support function to a core driver of value creation and competitive edge. This shift has placed senior technologists at the heart of the organisation where they are increasingly critical to decision making, strategy and leadership.
The DIGIT Leader Summit will explore the evolution of the IT & Digital profession, considering the key technology and business trends and the profound impact they are having on the role. The programme will also examine the crucial components of leadership, looking at culture; team building, upskilling and communication.
The Summit is geared for senior IT & Digital leaders, and designed to provide an opportune forum for practitioners to share their experiences, learn from their peers and discuss best-practice approaches to leadership.
Core topics
Trends: Key technology trends and business trends
IT Evolution: How the IT and Digital role is changing and evolving
Leadership: Empowering, engaging, motivating and inspiring teams
Culture: Creating a culture of inclusion, innovation and exploration
Impact: Technology as a driver of innovation, improvement and problem solving
IT Management: Investment, ITAM, cost control, vendor management
The Conference
The Energy sector is changing: the challenging economic landscape has forced businesses to scrutinise their operations in pursuit of greater productivity and asset efficiency. Meanwhile, the market is growing increasingly diverse as renewables mature and new entrants emerge.
Against this backdrop, digital is becoming increasingly pervasive as companies turn to technology to modernise processes and deliver competitive advantage; from remote monitoring and automation, to data analytics, Machine Learning, asset visualisation and HPC.
Now in its 6th year, the conference has established itself as the largest annual Digital Energy summit in the country: the event brings together senior IT, Digital and business leaders, providing a unique forum for knowledge exchange, discussion and high-level networking. The programme will explore the use of Information Technology in driving tangible outcomes across the organisation, looking at key trends and providing practical insight from an array of industry leaders.
Core Themes
Landscape: maximising economic recovery and cross industry collaboration
IT & Digital as a driver of efficiency, business improvement and problem solving
Analytics, data-driven decision making and business intelligence
Asset visibility: performance, conditioning, remote monitoring
Digitising processes and innovating on top of legacy systems
Emerging technologies, AI, IoT, Robotics, Drones, Blockchain
Infrastructure: SCADA, Cloud, hybrid architecture, managed services
Cyber Security, information governance, GDPR
The national Scot-Secure Summit is the largest annual Cyber Security Conference in Scotland: the event brings together senior IT leaders and Information Security personnel, providing a unique forum for knowledge exchange, discussion and high-level networking.
The conference programme is focussed on promoting best-practice cyber security; looking at the current trends, the key threats - and offering practical advice on improving resilience and implementing effective security measures.
The national Scot-Secure Summit is the largest annual Cyber Security Conference in Scotland: the event brings together senior IT leaders and Information Security personnel, providing a unique forum for knowledge exchange, discussion and high-level networking.
The conference programme is focused on promoting best-practice cyber security; looking at the current trends, the key threats - and offering practical advice on improving resilience and implementing effective security measures.
Business is changing: digital technology has permeated every facet of the enterprise, completely transforming the way we work. Digital has disintermediated markets, disrupted organisational structures, created new risks and new revenue streams, while fundamentally altering the way businesses engage with their customer.
There is no coincidence that the most influential companies of our age share a common ability to harness technology effectively. In these exciting and turbulent times, success is increasingly defined by the ability to respond to the fast changing digital landscape, it has become a key distinguisher between growth and obscurity.
DT 2019 contextualised key digital trends and explored the underlying process of organisational change. The conference was geared towards senior technologists and digital leaders, providing an insightful peer-led environment and a crucial forum for knowledge exchange, discussion and high-level networking.
This is the largest annual Digital Transformation conference held in Scotland - with over 300 attendees in 2018. The event is supported by ScotlandIS and is free for qualifying delegates to attend.
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
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
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
Now in its 5th year, the conference has established itself as the largest annual Digital Energy summit in the country: the event brought together senior IT, Digital and business leaders, providing a unique forum for knowledge exchange, discussion and high-level networking. The programme explored the use of Information Technology in driving tangible outcomes across the organisation, looking at key trends and providing practical insight from an array of industry leaders.
Now in its 5th year, the conference has established itself as the largest annual Digital Energy summit in the country: the event brought together senior IT, Digital and business leaders, providing a unique forum for knowledge exchange, discussion and high-level networking. The programme explored the use of Information Technology in driving tangible outcomes across the organisation, looking at key trends and providing practical insight from an array of industry leaders.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Generating a custom Ruby SDK for your web service or Rails API using Smithyg2nightmarescribd
Have you ever wanted a Ruby client API to communicate with your web service? Smithy is a protocol-agnostic language for defining services and SDKs. Smithy Ruby is an implementation of Smithy that generates a Ruby SDK using a Smithy model. In this talk, we will explore Smithy and Smithy Ruby to learn how to generate custom feature-rich SDKs that can communicate with any web service, such as a Rails JSON API.
UiPath Test Automation using UiPath Test Suite series, part 3DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 3. In this session, we will cover desktop automation along with UI automation.
Topics covered:
UI automation Introduction,
UI automation Sample
Desktop automation flow
Pradeep Chinnala, Senior Consultant Automation Developer @WonderBotz and UiPath MVP
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
15. What Next for FinTech?
Blockchain and the things you can’t see
16. FinTech- UK Government Policy
UNCLASSIFIED 16
I want the UK the lead the
world in developing Fin Tech.
Chancellor of the Exchequer, Rt Hon George Osborne MP, August 2014
FS Competition
UK competitiveness Consumer outcomes
UK fintech strategy
23. 71%Of Millennials would rather go to the dentists
than listen to what banks are saying
Times are changing…
Source: The Millennial Disruption Index, Scratch 2014
24. Our Vision
1995
Why do we need a
Web site?
2000 2010 2020
Of course we have
a Web site
Of course we
have an API
Why do we need
an API?
In the future, every bank will have an API
“By 2016, 75% of the top 50 global banks will have launched an API
platform and 25% will have launched a customer-facing app store”
• Banks gain faster time-to-market and save money
• Developers have easy data access
• Customers enjoy improved experience
25. The imperative to partner
Leading companies have partnering in their DNA
Source: Game on! How are leaders staying ahead? 2014, IBM
26. APIs speed-up collaboration
Banks can leverage the OBP API to create better customer relationships
Source: faberNovel, 6 reasons why API are reshaping our business
An API reduces the time, complexity and cost of deploying banking apps
27. The Open Bank Project
The Open Bank Project is an open
source API and App Store for banks
and a developer community around.
1/ Banking API
based on open
standards
2/ Banking
App Store
3/ Developer
Community
Banks can leverage the OBP API to create better customer relationshipsBanks can leverage the OBP API to create better customer relationships
28. How it works
OBP API
Bank’s Legacy IT System
Bank’s
Customers
Provided by
their bank
OBP App store
3
2
1
(On different
platforms)
Use innovative
financial apps
Card-linked offers
Cash management
AccountingERP KYC
CRM
Crowdfunding
jQuery
Savings
GamificationData
Visualisation
Advisory PFM
AML
Anti fraudRegulation
Financial
Institution’s data
center / cloud /
appliance
Operate your own white-labeled API. Plug & Play deployment.
Bank-specific
connectors
29. Past Participants
Past ParticipantsApp example - Underdraft
Underdraft automatically recognizes and offers a short-term loan
just before the user’s bank account dip into its overdraft.
App examples
"The Hackathon event was awesome - open, collaborative, useful,
innovative; we enjoyed and learned from the experience. The
greatest benefit was seeing new non-traditional ideas brought to
life in such a short timeframe”.
Andy O'Sullivan
Digital Innovation AIB
30. Past Participants
Past Participants
Our clients include leading and global tier one banks. We have setup an OBP
sandbox environment in more than 15 hackathons.
Customers and Past ParticipantsSome experiments
More than 500 Developers use the Open Bank Project API already
37. Where Tradition and Disruption Collide
Hosted by Innovation Centres Scotland who deliver the Alba Incubation Service
on behalf of Scottish Enterprise
at the Fintech2015 event at Our Dynamic Earth in Edinburgh
Facilitated by Ian Dowson
William Garitty Associates Ltd
8th October 2015
@iand47
@fintechscot #fintechscot
38. Digital & The City
Copyright 2011 - IC Dowson & William Garitty Associates Limited 2011
Digital London
$4bn Spend Total
$40bn Direct ICT-
Spend indirect $500bn
Disruptive City Business Models
AI Hit – information gathering
Covestor – follow star investors
Acunu - open system trading platform
P2p Banking ZOPA, Ratesetter, Market Invoice
P2p Finance Seedr, Crowdcube
The City
20 Millionths
of a second
Not good enough
Big Data
Analytics
Cloud
Open Systems
Disruptive Bus Models
Design, UI, UX
Customer Journey
Engagement
Speed and cost
Investment via PE Funds - Angels
25 October 2011
39. Copyright - IC Dowson & William Garitty Associates Limited 2012
“For example, in the UK companies such as Zopa, Funding Circle and Crowdcube are developing
this model. At present, these companies are tiny. But so, a decade and a half ago, so was
Google. Andrew Haldane 14 March 2012”
Giles Andrews
Samir Desai, James
Meekings,Andrew
Millinger
Charles
Delingpole
Anil Stocker
Luke Lang Darren Westlake
Jeff
Lynn
Carlos
Silva
nutmeg
Nick Hungerford
Rhydian Lewis
Peter Behrens
Peer to Peer and Finance Innovators
48. A Fintech Startup Machine
Networks are iterative external & Internal - Global
Copyright - IC Dowson & William Garitty Associates Limited 2015
Human Capital
Deep
Knowledge
Vibrant
Meetup
Groups
Incubator
Accelerator
Workspace
Infrastructure
Many vertical
Finance Backers
FFF, Angels,
Private Equity
A Deep
Experience
Networked
Resource
Range of
targeted
Management
Education &
entrepreneurial
resources
Government
Is facilitative
Tax Schemes
Stock Exchange
IP Box
R&D credits
Universities
institutions
Public Sector
Corporate’s
get close
Software
& Design
A City that
designs and
codes
53. Scottish Financial Enterprise, Edinburgh Council, &
Innovate Finance, signed a MOU in April 2015
“to help the two capital cities promote technology
companies supplying new and innovative software
products to the financial sector.”
@fintechscot #fintechscot
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71. Chief Marketing Officer
and
Chief Technology Officer
just got married
Stephen Ingledew
Managing Director, Marketing
Mark Dixon
Chief Technology Officer
October 2015
72. CMO & CTO
just got married
Digital our matrimonial home
Data our marriage language
Living together – in marital harmony
83. You can use all the quantitative
data you can get, but you still
have to distrust it and use your
own intelligence and judgment.
Alvin Toffler (American Author and Futurist)
84. Meeting customer needs through insight and analytics
“We need to know the customer so well that the product fits them and sells itself”
Margaret
and John
Patricia
Michael
Paul
and Julie
Sanjay
Claire
Jonathan
Andrew
and Geeta
85. CRM & Analytics Journey
Data Scientists Centre of ExcellencePartnersMarriage
People
GovernExperiment MaintainAlign
Processes
Analytics Mart Interaction History External DataDecision Engine
Technology
Strategy
Foundation Transition Leverage Optimise
87. 2.Optimise
Impacts
3. Plan & Track
in Real time
1. Analyse
Effects
CMO and CTO get married
Real time customer analytics to support better commercial decision making
Complexity
Business Value
88. CMO & CTO
just got married
Living together – in marital harmony
Data our marriage language
Digital our matrimonial home
89. We made some cross functional love…
FINANCE MARKETING IT AGILE+ + =
Living together
(SHARED VISION, SHARED GOALS, SHARED SPACE)
94. Measuring our marriage success
Brand
Awareness
Customer
Footfall
Online Visits
Customers
Contact
Contact Details
Customers
Takings
On-Line Revenues
Customers
Experience
NPS
Ease
Customer
Value
New products opened
Average customer value
95. CMO & CTO
just got married
Digital our matrimonial home
Data our marriage language
Living together – in marital harmony
96. Chief Marketing Officer
and
Chief Technology Officer
just got married
Stephen Ingledew
Managing Director, Marketing
Mark Dixon
Chief Technology Officer
October 2015
147. 1.49bn 316m 900m 400m
(Remarkable brands being built via exceptional experience and the networkeffect)
148. Hooked, by Nir Eyal
“Hooked gives you the
blueprint for the next
generation of products. Read
it or the company that
replaces you will.”
Matt Mullenweg, founder of Wordpress
149.
150. Every time you check
your phone during this
presentation,
somewhere a kitten
dies.
151. 90%
not saving enough
42%
never checked pension performance
35%
regret not saving more
43%
wish they’d had more one night stands
http://www.moneywise.co.uk/news/2014-04-30/90-brits-not-saving-enough-retirement
http://www.dailymail.co.uk/news/article-3236186/Our-number-one-regret-Not-saving-Putting-money-away-tops-list-50-things-Britons-differently-live-lives-again.html
152. ✓Closer management, better finances
✓Increased customer lifetime value (CLTV)
✓Pricing flexibility
✓Driving growth
✓Creating competitive standout
✓Front of mind = front of pack
Forming a healthyhabit
159. Internal Triggers
Help user’s scratch that itch.
Associate your triggers with user’s
state of mind.
Eventually they won’t need an
external trigger
161. THE FIVE WHYS? Why?
Why?
Why?
Why?
Why?
(keep asking Why? until you get to the base
emotional need you have to satisfy)
162. TRIGGERS
•Set up an Action
•External or internal
•Negative emotions frequently serve as internal
triggers
•Understand your customer’s needs and align
your triggers with scratching that itch
168. Understand the reason people use a
product or service.
Lay out the steps needed to get the
job done.
Start removing them until you reach
the simplest possible process.
Easier = better.
Something Really New: Three Simple Steps to Creating Truly Innovative Products by Denis J. Hauptly (7 Nov 2007)
ABILITY
175. NON ROUTINE:
"I'd never struggled with understanding the importance of saving, but hated
the exercise of doing it regularly and having to anticipate changes in my
spending +
income. Thankfully, now the trustworthy robots powering Digit do all that for me."
182. ACTIONS
•Simplest behaviour in anticipation of a reward
•B=MAT
•Pleasure vs Pain, Hope vs. Fear, Acceptance vs.
Rejection
•Time, money, physicaleffort, brain cycles,
social deviance, non-routine
•Heuristics are useful mental shortcuts to exploit
190. VARIABLE REWARDS
•3 types ofrewards:•Tribe -
connectedness
with others
•Hunt - material
resources &
information
•Self - master,
competence
and completion
•Finite variability
becomes
predictable and
less appealing
•Satisfy
needs, but
leave users
wanting to
reengage
199. The Manipulation Index:
Improves the user’s life
Does not improve the
user’s life
The maker would use it The maker wouldn’t use it
Peddler Facilitator
Dealer Entertainer
200. KEY TAKEOUTS
•The brand is theexperience
•Understand your audience
•Easier = better
•Use the tips, but test and learn
•Play nice