This document provides an industry update on the real estate market, noting that it is a time of both great challenge and opportunity for real estate professionals. It discusses the extremes in the current market environment and forces impacting realtors at both the broker and agent level. The challenges include economic issues, high foreclosure rates, and a looming shadow inventory of homes. However, it also notes opportunities presented by new technologies, the evolving consumer, and a shift to more accountability and transparency. The next few years will be defining for the real estate industry as it navigates these market forces and changing consumer expectations.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Find out how your brand can create the right emotional connection for Millennials
Millennials are entering an important life stage for banks, as this segment of the population is starting to build wealth while driving potential sales growth in financial products and services. This segment tends to use more primary banking products than Baby Boomers and carry a higher minimum balance in their checking accounts. An additional reason for the increased focus on this segment is based on the rapid growth in size versus other cohorts such as Baby Boomers. This study will translate the many research documents into an ideal Millennial Experience (MX) for the banking industry through our Omni Experience Model and will help define the role of physical branches versus online. http://www.sld.com
The Millennial Generation: Banking's Big Problem- Opportunities in Digital Fi...George Samuel Samman
This document discusses the opportunities in banking presented by the millennial generation. It notes that millennials, the largest generation, dislike traditional banks and are open to switching to alternatives. Studies show millennials believe banks offer little differentiation and will be disrupted by innovative startups. They prefer low-fee digital offerings and want services tailored to their preferences for connectivity, access over ownership, and impact investing. Banks risk being left behind if they do not adapt to the demands of this emerging demographic, leaving a major opportunity for fintech companies to acquire millennial customers and transform banking.
This document provides an overview of several articles in a publication called "Collective Insight" that discuss potential disruptions in the financial services industry in South Africa. The introduction sets up the discussion of evolutionary versus revolutionary changes and whether disruptors pose a threat or opportunity. Several articles then explore themes of how technology is changing connections and data usage, potential disruptors in South Africa's savings and investment industry, and whether new products or distribution channels will truly disrupt the industry. The document examines issues from different perspectives and aims to provide a useful framework for navigating potential changes in the financial universe.
DOLLARS, EUROS, YEN AND TRUST: VALUABLE CURRENCIES IN THE SHARE ECONOMY: Trust is the cornerstone of any successful relationship, be it personal or professional. But what happens when the lines between public and private get blurred in a sharing economy? Trust transitions from expected to essential.
Get more here: http://goo.gl/3GUwbK
This document discusses the early history and development of television as a mass medium. It notes that television content initially borrowed from radio, with radio networks and executives helping to establish the first television networks and shape early programming. Government regulation restricted access to television broadcasts, ensuring networks became the dominant gatekeepers. While television grew slowly at first, by the 1950s it had become a ubiquitous part of American homes and culture, homogenizing society and fueling the need for more programming and advertising. This established the foundation and power structure of the television industry that still exists today.
Introducing thegen-narrators - Good RebelsGood Rebels
The Millennial generation will have a bigger impact on the future of media over the next five years than any other demographic group. But a new Economist Group study finds many misconceptions about this group when it comes to their attitudes, media habits and their understanding of the relationship between media and marketing.
What's Wrong with the Silicon Valley Growth Model (Extended UCL Lecture)Tim O'Reilly
A three part lecture for the Institute for Innovation and Public Purpose at University College London. I talk about how the Silicon Valley growth model is leading from value creation to rent extraction, then about how public policy shapes our markets and what public policy students can learn from technology platforms (both what they do right and how they go wrong), and finally, I touch on some of the great mission-driven goals that could replace "increasing corporate profits" as the guiding objective of our economy.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Find out how your brand can create the right emotional connection for Millennials
Millennials are entering an important life stage for banks, as this segment of the population is starting to build wealth while driving potential sales growth in financial products and services. This segment tends to use more primary banking products than Baby Boomers and carry a higher minimum balance in their checking accounts. An additional reason for the increased focus on this segment is based on the rapid growth in size versus other cohorts such as Baby Boomers. This study will translate the many research documents into an ideal Millennial Experience (MX) for the banking industry through our Omni Experience Model and will help define the role of physical branches versus online. http://www.sld.com
The Millennial Generation: Banking's Big Problem- Opportunities in Digital Fi...George Samuel Samman
This document discusses the opportunities in banking presented by the millennial generation. It notes that millennials, the largest generation, dislike traditional banks and are open to switching to alternatives. Studies show millennials believe banks offer little differentiation and will be disrupted by innovative startups. They prefer low-fee digital offerings and want services tailored to their preferences for connectivity, access over ownership, and impact investing. Banks risk being left behind if they do not adapt to the demands of this emerging demographic, leaving a major opportunity for fintech companies to acquire millennial customers and transform banking.
This document provides an overview of several articles in a publication called "Collective Insight" that discuss potential disruptions in the financial services industry in South Africa. The introduction sets up the discussion of evolutionary versus revolutionary changes and whether disruptors pose a threat or opportunity. Several articles then explore themes of how technology is changing connections and data usage, potential disruptors in South Africa's savings and investment industry, and whether new products or distribution channels will truly disrupt the industry. The document examines issues from different perspectives and aims to provide a useful framework for navigating potential changes in the financial universe.
DOLLARS, EUROS, YEN AND TRUST: VALUABLE CURRENCIES IN THE SHARE ECONOMY: Trust is the cornerstone of any successful relationship, be it personal or professional. But what happens when the lines between public and private get blurred in a sharing economy? Trust transitions from expected to essential.
Get more here: http://goo.gl/3GUwbK
This document discusses the early history and development of television as a mass medium. It notes that television content initially borrowed from radio, with radio networks and executives helping to establish the first television networks and shape early programming. Government regulation restricted access to television broadcasts, ensuring networks became the dominant gatekeepers. While television grew slowly at first, by the 1950s it had become a ubiquitous part of American homes and culture, homogenizing society and fueling the need for more programming and advertising. This established the foundation and power structure of the television industry that still exists today.
Introducing thegen-narrators - Good RebelsGood Rebels
The Millennial generation will have a bigger impact on the future of media over the next five years than any other demographic group. But a new Economist Group study finds many misconceptions about this group when it comes to their attitudes, media habits and their understanding of the relationship between media and marketing.
What's Wrong with the Silicon Valley Growth Model (Extended UCL Lecture)Tim O'Reilly
A three part lecture for the Institute for Innovation and Public Purpose at University College London. I talk about how the Silicon Valley growth model is leading from value creation to rent extraction, then about how public policy shapes our markets and what public policy students can learn from technology platforms (both what they do right and how they go wrong), and finally, I touch on some of the great mission-driven goals that could replace "increasing corporate profits" as the guiding objective of our economy.
The document discusses the rise of the sharing economy. It argues that economic challenges like unemployment, debt, and scarce resources are driving the growth of collaborative consumption models enabled by new networking technologies. These models allow underutilized assets and skills to be monetized, creating new opportunities for both individuals and businesses. The sharing economy empowers people in developing economies and removes physical boundaries to access global markets. While concerns exist around regulation and data privacy, the networking effects of these new platforms are opening up new peer-to-peer models that are disrupting traditional industries and hierarchies.
Money of the Future. Top fin-tech trendsMaria Bichl
The document summarizes major financial innovations in 2013 and trends for 2014. It predicts that investments in online financial startups will remain very popular for the next 3 years. It also notes that tablet-based financial services will see strong growth as post-PC devices dominate the market in 2015. Crowdfunding is evolving towards crowdinvesting and seeking opportunities outside the US. Bitcoin was a hot topic in 2013 but its future is uncertain due to volatility. PayPal remains the leader in e-wallets but similar services may succeed in other countries. Mobile-first banks are fostering new generations of financial service users.
It’s time for a move to the Middleburbs, where we take refuge in content safe havens and our brand expectations are continuously rising. And with a new generation of tech-obsessed consumers entering adulthood, today’s cultural landscape is changing and creating new opportunities for marketers. Mindshare North America's latest Culture Vulture Trends report is here, unveiling the latest consumer shifts and cultural trends forecast to grow over the next year.
The Consumer Electronics Show in Las Vegas is one of the largest tech conferences in the world, featuring breakthrough products and innovations from over 150 countries. Attendees were given insights into the latest applications and significant advances in innovative technology. Key highlights from this year's event included rapid improvements in areas like chip technology, screens, quantum computing, artificial intelligence, and the growing presence of Chinese technology firms.
The document summarizes presentations from a real estate conference on current trends. It discusses survey results from real estate members which found most have been in the business less than 10 years. Presenters discussed trends like an upcoming economic recovery in 2009, changing consumer preferences, and the need for real estate professionals to adapt to new technologies and business models to better serve customers. Real estate associations were urged to get younger members and follow consumers online.
Millennials and Gen Xers have vastly different relationships with technology that impact how they interact with brands. Millennials are far more engaged with mobile devices, which they see as integral to their lives and how they shop both online and offline. 56% of Millennials cite their phone as their most valuable shopping tool in stores, compared to just 28% of Gen Xers. Additionally, Millennials are redefining privacy expectations by being more trusting of brands and less concerned about mobile targeting than Gen Xers.
A 2016 overview of the technology & venture capital industries in Los Angeles presented by Mark Suster, Managing Partner of Upfront Ventures for the Mayor's LP / VC Summit.
The document summarizes several trends from SXSW 2018 related to consumers, design, and technology. On the consumer side, key trends include the growing economic power of Muslim millennials, blurred gender and generational lines, the rise of mobile commerce and sharing economies, and new tribes like "imperfectionists." For design, trends involve moving beyond traditional boundaries to consider ethics, privacy, transparency and the human experience. Major technology trends include digital assistants becoming ubiquitous, advances in voice/face recognition, and brain-computer interfaces potentially ending the dominance of smartphones.
Each year, art meets technology at the South by Southwest (SXSW) Interactive Festival in Austin, Texas. Celebrating the convergence of the interactive, film, and music industries, this year's conference featured panels, seminars, parties and live music. Topics ranged from artificial intelligence and chat bots to female leadership and social purpose, revealing future trends for brands and agencies to keep in mind this upcoming year. Here are Y&R's key takeaways from SXSW 2017.
The document discusses the rise of financial technology (fintech) companies in New York and the city's opportunity to become a global leader in the fintech industry. It notes that New York's large financial sector and proximity to customers provides advantages for fintech firms. The FinTech Innovation Lab has helped foster partnerships between fintech startups and financial institutions to develop new solutions. Venture capital funding of fintech companies has grown significantly, with some banks now establishing their own fintech investment funds. New York has become the fastest growing fintech cluster in the US due to the many startups pursuing fintech applications with support from accelerators and lower costs of development.
Ouishare’s 100 top articles on the collaborative economy in 2014OuiShare
This presentation features the most popular articles and news items that that were discussed and shared in the OuiShare community in 2014. They have been selected from our Facebook groups OuiShare Global and “en Français”, to highlight the most relevant conversations.
Mastering the demons of our own designTim O'Reilly
My talk about lessons for government from high tech algorithmic systems, given as part of the Harvard Science and Democracy lecture series on April 21, 2021. Download ppt for speaker's notes.
By unlocking the sharing economy today, can companies transform today's threat into tomorrow's opportunity? What must incumbents and challengers do to position themselves ahead of disruption and to capitalize on new sources of revenue? Through consumer surveys, conversations with influencers, interviews with business executives and social listening, PwC's research presents a holistic view of what's unfolding across business and consumer landscapes.
- Banks have become inefficient and unloved by customers, particularly millennials, yet still generate large profits due to the net interest spread between low borrowing costs and high lending rates.
- New financial technology companies are poised to disrupt and replace banks by developing products that are simpler, more transparent, reduce friction, and provide better analytics/customization for customers.
- The author identifies several emerging areas for financial technology innovation that could revolutionize industries like lending, payments, insurance, and investing if concepts like near-zero origination costs, real-time underwriting, distributed ownership models, and eliminating transaction clearinghouses are realized.
In January 2016, a team of J. Walter Thompson Company researchers spent 10 days in Cuba interviewing more than 40 Cubans about their lives, the economy, and opportunities as relations with the United States improve. The result is The Promise of Cuba. Here we offer a free excerpt of the full 78-page report.
The document discusses the collaborative economy transforming industries like insurance, lending, payments and trading. It notes that financial services are ripe for disruption as they are often complex with redundant middlemen and restricted access. New collaborative models are emerging that decentralize and democratize finance by allowing person-to-person and crowd-driven options for funding, lending, currency and investment. Examples include social lending platforms, crowdfunding sites, peer-to-peer currency and payment systems, and insurance and trading options.
The Disrupted Future of Banking - How Tech Will Disrupt, Destroy, or Reinvent...ramezn
Digital technology is disrupting industry after industry. The price of computing, data storage, communication, and coordination continues to plummet. Artificial Intelligence, sharing networks, crowdsourcing, crowdfunding, and digitization of old analogue processes are revolutionizing huge swaths of the economy. It's these trends that are radically changing the needs and behaviors of banking customers AND it's these trends that are now forcing the banking industry to revolutionize.
Banks must disrupt themselves or be disrupted.
It’s time to reject FOMO and embrace Borecore, along with mindfulness apps, myth debunking, and a shift in focus away from Millennials. Mindshare North America's annual Culture Vulture Trends report is here, unveiling the latest consumer shifts and cultural trends forecast to grow over the next year.
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
Generation Y and Z have very different communication preferences than older generations. Generation Y prefers social media and texting while Generation Z communicates heavily through images and video on platforms like Instagram and Snapchat. To effectively reach these audiences, companies need a multichannel approach that incorporates both print and digital and allows for customization. They should also engage customers through collaborative projects and incentivize loyalty through rewards. Both generations care about social causes and want companies to have a positive impact.
De toekomst van online onderzoek - KlantcommunitiesWim Woning
One of the most exciting developments in market research nowadays are online customer communities. Let's have a look at their value and future developments (Dutch).
The document discusses the rise of the sharing economy. It argues that economic challenges like unemployment, debt, and scarce resources are driving the growth of collaborative consumption models enabled by new networking technologies. These models allow underutilized assets and skills to be monetized, creating new opportunities for both individuals and businesses. The sharing economy empowers people in developing economies and removes physical boundaries to access global markets. While concerns exist around regulation and data privacy, the networking effects of these new platforms are opening up new peer-to-peer models that are disrupting traditional industries and hierarchies.
Money of the Future. Top fin-tech trendsMaria Bichl
The document summarizes major financial innovations in 2013 and trends for 2014. It predicts that investments in online financial startups will remain very popular for the next 3 years. It also notes that tablet-based financial services will see strong growth as post-PC devices dominate the market in 2015. Crowdfunding is evolving towards crowdinvesting and seeking opportunities outside the US. Bitcoin was a hot topic in 2013 but its future is uncertain due to volatility. PayPal remains the leader in e-wallets but similar services may succeed in other countries. Mobile-first banks are fostering new generations of financial service users.
It’s time for a move to the Middleburbs, where we take refuge in content safe havens and our brand expectations are continuously rising. And with a new generation of tech-obsessed consumers entering adulthood, today’s cultural landscape is changing and creating new opportunities for marketers. Mindshare North America's latest Culture Vulture Trends report is here, unveiling the latest consumer shifts and cultural trends forecast to grow over the next year.
The Consumer Electronics Show in Las Vegas is one of the largest tech conferences in the world, featuring breakthrough products and innovations from over 150 countries. Attendees were given insights into the latest applications and significant advances in innovative technology. Key highlights from this year's event included rapid improvements in areas like chip technology, screens, quantum computing, artificial intelligence, and the growing presence of Chinese technology firms.
The document summarizes presentations from a real estate conference on current trends. It discusses survey results from real estate members which found most have been in the business less than 10 years. Presenters discussed trends like an upcoming economic recovery in 2009, changing consumer preferences, and the need for real estate professionals to adapt to new technologies and business models to better serve customers. Real estate associations were urged to get younger members and follow consumers online.
Millennials and Gen Xers have vastly different relationships with technology that impact how they interact with brands. Millennials are far more engaged with mobile devices, which they see as integral to their lives and how they shop both online and offline. 56% of Millennials cite their phone as their most valuable shopping tool in stores, compared to just 28% of Gen Xers. Additionally, Millennials are redefining privacy expectations by being more trusting of brands and less concerned about mobile targeting than Gen Xers.
A 2016 overview of the technology & venture capital industries in Los Angeles presented by Mark Suster, Managing Partner of Upfront Ventures for the Mayor's LP / VC Summit.
The document summarizes several trends from SXSW 2018 related to consumers, design, and technology. On the consumer side, key trends include the growing economic power of Muslim millennials, blurred gender and generational lines, the rise of mobile commerce and sharing economies, and new tribes like "imperfectionists." For design, trends involve moving beyond traditional boundaries to consider ethics, privacy, transparency and the human experience. Major technology trends include digital assistants becoming ubiquitous, advances in voice/face recognition, and brain-computer interfaces potentially ending the dominance of smartphones.
Each year, art meets technology at the South by Southwest (SXSW) Interactive Festival in Austin, Texas. Celebrating the convergence of the interactive, film, and music industries, this year's conference featured panels, seminars, parties and live music. Topics ranged from artificial intelligence and chat bots to female leadership and social purpose, revealing future trends for brands and agencies to keep in mind this upcoming year. Here are Y&R's key takeaways from SXSW 2017.
The document discusses the rise of financial technology (fintech) companies in New York and the city's opportunity to become a global leader in the fintech industry. It notes that New York's large financial sector and proximity to customers provides advantages for fintech firms. The FinTech Innovation Lab has helped foster partnerships between fintech startups and financial institutions to develop new solutions. Venture capital funding of fintech companies has grown significantly, with some banks now establishing their own fintech investment funds. New York has become the fastest growing fintech cluster in the US due to the many startups pursuing fintech applications with support from accelerators and lower costs of development.
Ouishare’s 100 top articles on the collaborative economy in 2014OuiShare
This presentation features the most popular articles and news items that that were discussed and shared in the OuiShare community in 2014. They have been selected from our Facebook groups OuiShare Global and “en Français”, to highlight the most relevant conversations.
Mastering the demons of our own designTim O'Reilly
My talk about lessons for government from high tech algorithmic systems, given as part of the Harvard Science and Democracy lecture series on April 21, 2021. Download ppt for speaker's notes.
By unlocking the sharing economy today, can companies transform today's threat into tomorrow's opportunity? What must incumbents and challengers do to position themselves ahead of disruption and to capitalize on new sources of revenue? Through consumer surveys, conversations with influencers, interviews with business executives and social listening, PwC's research presents a holistic view of what's unfolding across business and consumer landscapes.
- Banks have become inefficient and unloved by customers, particularly millennials, yet still generate large profits due to the net interest spread between low borrowing costs and high lending rates.
- New financial technology companies are poised to disrupt and replace banks by developing products that are simpler, more transparent, reduce friction, and provide better analytics/customization for customers.
- The author identifies several emerging areas for financial technology innovation that could revolutionize industries like lending, payments, insurance, and investing if concepts like near-zero origination costs, real-time underwriting, distributed ownership models, and eliminating transaction clearinghouses are realized.
In January 2016, a team of J. Walter Thompson Company researchers spent 10 days in Cuba interviewing more than 40 Cubans about their lives, the economy, and opportunities as relations with the United States improve. The result is The Promise of Cuba. Here we offer a free excerpt of the full 78-page report.
The document discusses the collaborative economy transforming industries like insurance, lending, payments and trading. It notes that financial services are ripe for disruption as they are often complex with redundant middlemen and restricted access. New collaborative models are emerging that decentralize and democratize finance by allowing person-to-person and crowd-driven options for funding, lending, currency and investment. Examples include social lending platforms, crowdfunding sites, peer-to-peer currency and payment systems, and insurance and trading options.
The Disrupted Future of Banking - How Tech Will Disrupt, Destroy, or Reinvent...ramezn
Digital technology is disrupting industry after industry. The price of computing, data storage, communication, and coordination continues to plummet. Artificial Intelligence, sharing networks, crowdsourcing, crowdfunding, and digitization of old analogue processes are revolutionizing huge swaths of the economy. It's these trends that are radically changing the needs and behaviors of banking customers AND it's these trends that are now forcing the banking industry to revolutionize.
Banks must disrupt themselves or be disrupted.
It’s time to reject FOMO and embrace Borecore, along with mindfulness apps, myth debunking, and a shift in focus away from Millennials. Mindshare North America's annual Culture Vulture Trends report is here, unveiling the latest consumer shifts and cultural trends forecast to grow over the next year.
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
Generation Y and Z have very different communication preferences than older generations. Generation Y prefers social media and texting while Generation Z communicates heavily through images and video on platforms like Instagram and Snapchat. To effectively reach these audiences, companies need a multichannel approach that incorporates both print and digital and allows for customization. They should also engage customers through collaborative projects and incentivize loyalty through rewards. Both generations care about social causes and want companies to have a positive impact.
De toekomst van online onderzoek - KlantcommunitiesWim Woning
One of the most exciting developments in market research nowadays are online customer communities. Let's have a look at their value and future developments (Dutch).
ENTYPO POU SXEDIASTHKE KAI TYPOTHHKE STO KETHEA SCHEMA+CHROMΑ
Voithaei sto na xexorisoun oi goneis tin pragmatikotita apo to mitho gia tis narkotikes ousies kai tin exartisi
(mporei kaneis na anatrexei stis selides tou meso tis efarmogis "slideshare" patontas ena click pano tou)
1. Residents appealed ACTPLA's approval of a development application to ACAT that was clearly not compliant with regulations.
2. The residents, at their own expense, had to identify issues of non-compliance that ACTPLA failed to, while being treated as a nuisance by ACTPLA and the developer.
3. Based on residents' objections, the developer made revisions up until and even after the ACAT hearing, indicating a lack of proper planning from the start.
Community Panel. Connect. Consult. Create.Wim Woning
Marketeers are having an increasingly hard time finding and connecting with consumers. A Community Panels helps them find consumers, bring them together, start a dialogue with them and co-create with them. http://www.communitypanel.nl
Strategic Planning Presentation - Jeremy ConawayOrlando Realtors
The real estate industry is facing significant changes due to demographic, economic, and technological forces. Younger consumers have different expectations around transparency, technology use, and lifestyle information than traditional agents provide. Internet companies are addressing these consumer demands in ways that brokerages are not, such as through agent ratings, transaction management, and advanced inventory search tools. For brokerages to succeed, they will need to reinvent their business model to create more value for consumers, agents, and owners through turnkey systems, accountability, strong consumer connections, and effective management controls. Associations and new investors may be able to help brokerages develop new solutions to meet these challenges.
The document discusses the strategic challenges facing directors and businesses in the digital world. It summarizes that (1) new digital disruptors are undermining traditional industry practices and business models, (2) directors must work to understand the threats and opportunities from various digital disruptions in order to identify new game strategies, and (3) some companies like Deloitte are experimenting with new consulting models like crowd-sourcing to gain digital intelligence on potential disruptors.
Mega Trends: Closing Keynote Future of Cards & Payments July 2013mykahina
Closing keynote address to discuss how global mega trends will impact payments and commerce over the next 10 years. Presented by @kahinavandyke July 4, 2013, London, The Future of Cards and Payments Conference
Tourism and Distribution - New Paradigm: ATEC, Sydney, 2007Anna Pollock
Anna Pollock gave a keynote presentation about trends, drivers, and paradigms affecting tourism. She discussed how increased connectivity and complexity have led to more uncertainty. While there has been more access to information and media over time, there is also less trust, attention, comfort, peace and time. New generations think differently and value community and customization. Recommendations included rethinking marketing models to engage customers and enable emergence; focusing on quality, service and care; learning to let go and engage residents; and investing in adaptable people and infrastructure.
How To Write A Great College Admissions EssayPam Fenno
Here are the key points I gathered from the document:
- The investigation studied whether gender affects reaction times in individuals aged 13 to 17 years old.
- The average visual reaction time for humans is 0.25 seconds and average touch reception is 0.15 seconds, totaling 0.40 seconds on average.
- The average reaction speed for boys in the study was 342 milliseconds and for girls it was 392 milliseconds, which are fairly accurate to average human reaction times given the younger age group studied.
- Reaction time is important as it determines how quickly the central nervous system and coordination between sensory and motor systems respond to visual stimuli. Factors like age, gender, health, distractions can impact average human reaction time
Digital Survivors—Death of the Retail CultureAccenture
The document discusses how digital technologies are disrupting the retail industry and forcing traditional retailers to reimagine their business models. New digital natives and tech giants like Amazon and Alibaba have created unprecedented personalized shopping experiences that are changing consumer behaviors. For traditional retailers to survive, they will need to innovate, adopt new business models, and ensure frictionless integration between online and offline shopping to recreate the consumer experience and move towards a culture of continuous reinvention and agility.
As estratégia da inteligência, vem de suprimentos necessários a uma satisfação que seja adequada ao objetivo almejado. Inteligencia é saber dar tempo ao tempo, usufruindo apenas o necessário, em prol da economia de caracteres, e armazenamento, abastecendo sempre a fonte de possíveis buscas em necessidades inesperadas, onde as experiencia do ontem será o professor do amanhã.!.
A look at client-agency relationships. Mark Linder
A look at how the business partnership between client and agency has been more shaped by the media and business model, than advertising proposition. Keynote at National eMedia Conference, Helsinki, 2007 Mark Linder, WPP
Digital natives are using technology to change how businesses operate in three main ways: in real-time, through dynamic pricing, and by quantifying everything. This generational shift allows for more efficient decisions through access to up-to-date information and pricing that adjusts based on current conditions. However, businesses must also consider factors like building trust and relationships through a human touch rather than just data collection and profit motives.
The Rise of Digital Darwinism and the Fall of Business As Usual by Brian SolisBrian Solis
Brian Solis shares his perspective on the future of business and how to compete against digital disruption. All of this talk about the future and how one day technology is going to disrupt everything around us is more than just talk. The future is already here. All of this talk about the future and how one day technology is going to disrupt everything around us is more than just talk. The future is already here.
Best global brands là báo cáo thường niên uy tín nhất thế giới về định giá thương hiệu, được phát hành bởi công ty tư vấn interbrand.
Báo cáo thứ 2 có vẻ là Brandz của Millward Brown, sau đólà BrandFinance của Anh.
Face of Today's Consumer: 2010 Trend ReviewK Anggakara
What drives consumer to go wow nowadays? Business must acknowledge that in 2010, the face of consumer has changed in an extent never seen before!, the presentation offer a view on the consumer trend and how business gel-in to the matter.
Jamie Dimon has had a long and distinguished career in banking, currently serving as CEO of JPMorgan Chase. He previously worked at Citigroup but was passed over for CEO, which paved the way for him to take the helm of Bank One and later lead its merger with JPMorgan Chase in 2004. As CEO of JPMorgan Chase, one of the largest banks in the US, Dimon has overseen significant growth and led the bank through the global financial crisis. He is considered one of the most influential leaders in banking."
Our Guide to Digital disruption Update 2019John Ashcroft
This document discusses digital disruption and its causes. It identifies six global forces shaping digital disruption: 1) increasing connectivity through mobile phones and other devices, 2) the growing number of connected devices and emergence of the internet of things, 3) exponential growth in data creation and need for data storage, 4) lower barriers to market participation. These forces are accelerating changes in business models and challenging traditional companies through new entrants like Uber and Airbnb.
The document discusses disruptive technology and how attitudes have changed for Millennials. It notes that Millennials have delayed many financial and life milestones like completing school, becoming financially independent, marrying, and having children due to the recession and high student debt levels. More young adults are enrolled in school but costs have increased, making it harder to achieve independence. The recession also caused many young people to move back home with their parents. The document suggests technology and attitudes around adulthood will continue to change.
The document discusses three potential visions for the future of banking:
1) Ubiquity - Banks actively embed their services across markets and industries to play a more pervasive role. They focus on modularity and agility to seamlessly integrate financial services into value chains.
2) Centrality - An open banking platform changes the relationship between fintechs and banks, with fintechs becoming paying customers. Banks focus on high-value opportunities and maximizing core competencies through automation and analytics.
3) Nodality - Customers perform many traditional bank functions that have been automated or disintermediated. Banks provide infrastructure and act as trusted nodes connecting individuals and micro-banks powered by blockchain.
The document discusses several pieces of proposed legislation that could significantly impact the digital marketing industry:
- SOPA and PIPA aimed to expand the ability to fight online piracy but were opposed due to concerns over censorship and free speech. Protests in 2012 caused the bills to be postponed.
- CISPA would allow sharing of internet traffic data between companies and the government to investigate cyber threats, but is opposed by privacy advocates concerned about government surveillance.
- Other legislation mentioned includes Canada's Online Protection and Anti-Spam Law, which could also greatly affect how data is used in digital marketing if it limits data usage. Regulations around data usage and privacy have major implications for data-driven digital marketing business models
The document discusses the insurance industry and the shift to online purchasing. It predicts that 75% of all insurance purchases will be made online by 2020. Younger generations expect a simplified, streamlined experience with innovative technology. While the insurance industry has made progress, it still lags other industries in deploying technology. A future platform will need to market, sell, and process products online with a single sign-on and minimize data entry. Industry commitment is needed to fully leverage technology benefits.
Kumar Codename Fireworks at Hadapsar Link Road, Pune - PDF.pdfmonikasharma630
Codename Fireworks developed by Kumar Properties is a new residential development that offers 2/3 BHK premium residences with easy access to proposed ring road, airport, metro station.
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AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...knox groups real estate
welcome to knox groups real estate company in Bangalore. best farm land for sale near Bangalore and madhugiri . Managed farmland near Kanakapura and Chickkabalapur get know more details about the projects .Knox groups is a leading real estate company dedicated to helping individuals and businesses navigate the dynamic real estate market. With our extensive knowledge, experience, and commitment to excellence, we deliver exceptional results for our clients. Discover the perfect foundation for your agricultural aspirations with KNOX Groups' prime farm lands. These aren't just plots; they're the fertile grounds where vibrant crops flourish, livestock thrives, and unique agricultural ventures come to life. At KNOX, we go beyond selling land we curate sustainable ecosystems, ensuring that your journey toward agricultural success is seamless and prosperous.
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Living in an UBER World - June '24 Sales MeetingTom Blefko
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptxneilahuja668
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptx
Grar presentation, 9 8-10
1. GRAR Industry UpdateA Tale of Two ExtremesJeremy ConawayRECON Intelligence ServicesSeptember 9, 2010
2. The forces being generated within today’s market environment rival those of the most turbulent ocean currents and require entirely new navigation and handling skills for even the most experienced REALTOR®
3. Today GRAR members at both the broker and agent levels are caught between the extremes of challenge and opportunity. Both forces are equally powerful. Survival and success within these forces will require the combined resources of the GRAR REALTOR® Community.
4. The Challenge Side of the equation The Market GRAR Members The Consumer Tech/Info Economy
5. At the same time GRAR and its members exist in the most creative, innovative, and opportunity rich market environment that has existed since 1947
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12. The present industry sphere has nothing to do with how powerful one is or how much money one has in the market. It is being guided by an unparalleled level of challenge and opportunity for those who can see beyond the numbers to a total lack of rules and restraint.
13. The next two years will be a “moment in time” for your Association. It is all about you, your spirit, abilities, engagement leadership and aspirations.This is your time!
15. They are historic by virtue of the fact that the industry events of the past eight years, starting in 2002 to be exact, the last time we touched “normal”
16. The path of the past eight years 2002 - Market goes over 5M for the first time 2003 - 2004 450,000 new agents brought in 2005 - Market goes over 7m residential units 2006 - Sub prime mortgage crisis begins 2007 - Market goes into a down spiral 2008 - Recession hits - Social Media arrives 2009 - Recession ends, “recovery” begins 2010 - The new market arrives - REO continues 2011 - The shadow inventory looms
18. One cannot underestimate the impact of the past eight years on this industry. From the perspective of expenditures, resources and philosophy we are dealing with a whole new situation at all operational levels
27. With respect to market forces nothing is as powerful and influential as the sinister shadow inventory. The only questions are when, what form and how,
36. The shadow questions … How long will the liquidation take? How dramatically will the liquidation impact values? Will the liquidation process use REALTORS®? What impact will the process itself have on the transaction process? How much of the property will be put into If 11 million American families purchase through a new process how will current system be impacted?
38. There is no longer any question that the traditional brokerage business model will not perform in a positive manner moving forward …
39. The purpose of the brokerage … Profitability is “the issue” There is nothing more important than attracting capital into our industry Who is going to be the broker of 2012? Agents not interested No brokers in training Existing brokers are aging quickly Many believe it will be individuals from corporate America Turnkey systems Benchmarking, systems and metrics
40. Getting a whole new handle on management through accountability, metrics and benchmarking
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45. A number of brokers are preparing for the shadow inventory event by creating transaction teams and arming them with automation software.
49. The Brokerage Community Survivors are hanging in there Trying to increase panels and decrease overhead “100 plus failures by Christmas” Cash is precious Universal recognition of the fact that traditional business model is no long functional Working hard to control overhead Few if any acquisitions, nothing to acquire Low - nonexistent EBITA multiples
50. Brokerage Community, con’t Few if any investors in the marketplace New relationships with agents New relationships with managers Universal accountability Print marketing continuing to wane Online activities increasing Increased broker control over online leads
53. Agent Accountability … Everyone has a “boss” these days Independent contract is a “tax” concept not a management system Consumers are demanding a way to determine the “right” agent Agents are refusing to have their association control the system Internet based third parties are moving into position quickly A huge opportunity - lost to third parties?
54. Generally speaking today’s real estate agent is in a life and death struggle with respect to meeting the needs and expectations of today’s consumer. Only one side will prevail …
77. Source: Based on graphic by Sean Moffitt, Agent Wildfire
78. A shift from agent centricity to consumer centricity The old system hasn’t worked since 2005 Doesn’t produce profitability Doesn’t create consumer satisfaction Didn’t make for happy agents Didn’t make for satisfied consumers
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80. The power of generations … This force is impacting every industry Boomers - 74 million - 45 - 65 X’ers - 47 million - 33 - 44 Y’s or Millenniums - 82 million - 17 - 32
100. Consumers as customers … Are not happy with real estate agents at this point in time The issue isn’t whether to use, it is what to pay Knowledge of the marketplace Ability and willingness to negotiate What is the agent value proposition?
111. Consumer interactions … Consumers do not trust advertising Consumers do not trust broker websites Consumers do trust what their contemporaries say about a brokerage or an agent Consumers are all about relationships Consumers will begin to trust brokers and agents who converse with them through appropriate blogs, tweets and other social media
113. "C-level life"--complete consumer control--has arrived. Consumers now have unprecedented access to excess-entertainment, infotainment, utilitainment and everything in between. It has put chief marketing officers and their marketing minions in the hot seat.
114. We must learn to practice effective generativity by learning about our Generation X and Y members and dropping our “kiddies table” approach.
115. Communication respelled … We will learn to listen We will learn new languages We will learn the language of generativity We will learn the language of the consumer We are going to become hyper-video We will incorporate social media in everything we do
117. Google Maps Gulf Oil Spill Recovery Map - Anyone can report what they observe in their backyards, upload stories, photos and video to this common shared map
119. Meanwhile, Independent book stores have declined 3,250 to 1,400 in 10 yrs Annual book avg sales grew 1.6 % for last 6 years E-books are now 10% of market; sales increased 175% in 2009; to go to 50% in 5 years 600,000 titles in the Kindle bookstore; ebooks now outselling hardcovers and will outsell paperbacks within 18 months American booksellers association 2009); newyorker, april 23, 2010) ; usatoday, july 23,’10
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121. Insatiable Thirst for Media on the Internet “Media is the connective tissue in our society.”
123. How to Deal with Info Overload? 55% of Americans say it is easier to keep up with news and information than 5 years ago. 70% of Americans feel it is overwhelming. PewInternet.org; illus: Humboldt College Library
125. Curation & Real Estate Position your business as the community curator, curating local and national real estate news, information, events, performances expressly for your client base To avoid the Age of Crap, deliver relevancy in real time – differentiate yourself with keen editorial judgment, bold initiatives and creativity
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127. Other Fresh Ideas Arrange online chat between the home seller and the buyer. Do WebEx of a house and local community, complete with a presentation by the home inspector and a mortgage broker, to an audience of invite-only potential buyers. Create an ‘ecosystem’ of locally informed content blogs about your neighborhood. Sponsor the blogs, separating you from the Let clients opt in to receive text alerts about specific properties. Build "geo-fences" around certain homes that automatically notify by text message
128. SOCIAL ME- dia ‘The balance of power is shifting. A new era in buyer/seller relationships is being defined. And unlike other revolutions, this isn’t so much about the power of "we the people" but rather "me the people.” --- Jeff Pulver, The Connected Me
129. 1:1 with 7 Billion People “What I would like to have is a one-on-one relationship with seven billion people in the world and be able to customize offerings for those seven billion people. Digital allows that relationship.” - Bob MacDonald, CEO of Procter & Gamble
130. Facebook in its own words More than 500 million active users Avg user has 130 friends Avg user is connected to 80 community pages, groups or events Avg user creates 90 pieces of content each month More than 30 billion pieces of content are shared each month.
132. So who’s driving Social? The average social network user is 37 Linkedin’s average user is 44. The average Twitter user is 39 The average Facebook user is 38 The average MySpace user is 31 Twitter and Facebook have almost the same male-female ratio; Twitter with 59% female users and Facebook with 57% women.
133. Is Gen X Having a Midlife Crisis? Matt Dorfman for the NYTimes
134. Gen X Comprise many of today’s “trade up” buyers Having fewer kids than boomers Generally have two jobs Do not seek or have a desire to own a large home Many have lost their initial investments in their homes Remain skeptical of Boomers “Owning a home used to mean building value and adding to your net worth, but these days more people are finding that owning a home is nothing more than a large monthly payment.” - GenX Finance.com
135. This is the generation that will likely find the home of their dreams on a 4G wi-max third-generation iPad and will contact their real estate agent via Twitter or text message.
136. “emerging adults” 1/3 move to a new residence every year 40% move in with their parents at least once. 7 jobs in their 20s 2/3 live with a romantic partner without being married Avg marriage age: 26 for women, 28 for men “The younger generation is starting to question the American Dream as it was created in the 1950s. Npr.org
143. Attributes of digital natives Remain anonymous until they decide Won’t register or leave personal data to receive information Have little use of expertise, believe they can do it themselves Will research online before making contact Trust what their cohorts say, not you Eternally mobile
148. The Phone Call is …. # of mobile phone calls has dropped since 2007. Length of calls = 3 mins in 2005; now it’s almost half that. 20% of all voice mails are never listened to. “We’re moving toward a fascinating cultural transition: The death of the telephone call.” Clive Thompson, wired, 8.10
150. The Web is Dead* In 2007, when the iPhone arrived, the web became less critical to daily life There are 304,561iPhone/iPad/Android apps available; 2.69 billion app downloads in 2009 A mobile screen is always with me. Fast apps beat flexible browsers *wired, august 2010
151. In Conclusion Link New Opportunities to Old Motives via the Right Incentives Digital data is infinitely copyable at marginal cost People like to share data & content (information & knowledge) Link those two items to engage your client base
153. Don’t Forget the Boomers They’re connected, they have time 60% of 50 to 64 use smartphones to send text messages; 2 out 3 use cellphones to take photos. Social networking use among internet users 50-64 grew by 88%--from 25% to 47% -- from April 09 to May 10 During the same period, social network use among those ages 65 and older grew 100%--from 13% to 26%
154. We must reengineer our approach to issues of integrity and ethical practices
155. We will have abandon our institutional approach ethical behavior and adopt a very personal one
156. Social Media … Is based upon person to person communications Allows consumers to talk to other consumers about their experiences Allows individuals to have one to one relationships Is not an essential part of the real estate culture and transaction
161. Lifestyle … Civics let their parents pick their lifestyle Boomers let their peers pick their lifestyle X’ers designed their lifestyle to get away from boomers The Millenniums are in the process of re-inventing lifestyles Today almost every American is in the process of creating a new lifestyle (either up or down)
162. Life style marketing will be the single most profitable opportunity for brokerages moving forward
163. Consumer lifestyles are changing dynamically under social environmental influences. Lifestyle marketing aligns brands with consumer interests, needs, desires, and values. As businesses have grown to realize that their success is increasingly dependent upon an adequate knowledge of consumer behavior, the importance of lifestyle market segmentation has increased steadily. Companies must be able to interpret customer/product lifecycles and apply their marketing machine to successfully innovate around lifestyles and repackage existing offerings to fit the needs of new customers.
164. Rental lifestyles … The past five years have changed many minds about home ownership It is no longer about making money it is about lifestyle Generation X and Y are changing lifestyle Generation X and Y are changing jobs frequently and are deferring ownership to be able to transfer more smoothly.
170. Moving forward the smart brokerage will be in the concierge property management business
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172. The Emerging Neighborhood Dynamic … Civics went back to the old neighborhoods Boomers were about moving up not settling down Besides they had no furniture for the longest time X and Y are all about relationships Neighborhoods are all about relationships Neighborhoods are coming back big time
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179. The Internet … Web 3.0 From publication to conversation The full force of information and participation Creating relationships Providing experiences
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182. Mobile Computing … The ubiquitous hardware Smart phones Paperless readers Within 3 years over 50% of American internet contacts will be by mobile device Understanding the mobile app
190. Real Estate Information … Information is the new currency Upcoming dependency The fight to be the vendor RPR vs. Core Logic vs REALTOR.com Hyper local content will be king
191. Data has become to REALTORS® what aviation fuel has become to the airlines. Your association must become part of the solution. Information will the currency of the real estate industry moving forward
192. Layered real estate data Availability data Contact data MLS Data Target property specific Neighborhood data Public data Lifestyle data
193. Knowledge will become the single most critical element in the REALTOR® value proposition.
196. Essentially we must start our communications programs all over from scratch
Editor's Notes
TripAdvisor tagline: “get the truth – then go”
Seeking recommendations from: Friends via social networks; looking at reviews & ratings; looking for objective data
his Gulf Oil Spill Recovery map was created using the Google Maps API and the Google Earth API. It allows any users, whether they're part of a non-profit group or concerned citizens who want to report what they observe in their backyards, to upload stories, photos and video to the common shared map. The result is an impressive illustration of all the projects - from beach cleanups to air monitoring surveys to sediment sampling - going on in the region to help rescue and restore affected species and their habitats. The map also shows numerous steps that the Obama Administration is taking to mitigate the near- and long-term impacts of the spill. As the map evolves, you'll be able to see how the marine environment and coastlines recuperate from collaborative efforts by average people, non-profit organizations and government agencies.
Since computer scientists and biochemists at the University of Washington launched a project in 2008 that taps into the brainpower of computer gamers to fold proteins, almost 60,000 people around the world have taken on the challenge.It turns out that in Foldit, which is free, people tend to outperform computers when a problem requires intuitive leaps or strategy shifts.Although the players have yet to design proteins that can, say, disable viruses or generate energy, the team at UW is confident that with so much brain and computing power involved, it is only a matter of time before medical issues are tackled. They even included in their author list an acknowledgement of more than 57,000 Foldit players--perhaps the largest to date in a scientific publication.
Digg Dialogg: lets you submit your questions to notable leaders and luminaries. Rather than editors or journalists, the Digg community decides the most popular questions to be posed in the interview.need for a mix of automated and human tools to help us make sense of and synthesize the chaos of information overloadREALTORS need to learn to be Curators.Currators job is to find, filter and recommend.
differentiate yourself in a space full of re-hashed content?Use Twitter Lists to curate breaking news, Outside.in for hyperlocal news, and blogs and rss feeds for general real estate newsGreat curation is also about pattern-recognition – seeing various pieces of culture and spotting similarities across them that paint a cohesive picture of a larger trend. http://www.neboweb.com/blog/art-curation-interview-maria-popova/Curate real estate experiences. Filter what they are going through.Social networks want to meet up. The food trucks are about more than than good food.Frontdoor.com
Sending someone an MLS listing via Twitter to their iPhone is not “new service”. Problem with blogs is consumer’s desire for independent thinkingBuild geo fencesFour Square
A “Me the People” mindset changes the way companies strategize, organize, monetize and commercialize their business. This recent statement from Bob MacDonald, CEO of Procter & Gamble, sums up just how far a “me the people” movement can go: Curate 20 different expereinces for 20 different clients
the ruminations of Milo Burke in the novel “The Ask,” overeducated, insecure demographic cohort, who came of age in the late ’80s and early ’90s.Born between the passage of the Gulf of Tonkin Resolution (1964) and the seizure of the United States Embassy in Tehran (1979).
The median boomer marriage age = 21 for women, 23 for men; by
didn't learn that newspapers come from newspaper stands and plane tickets come from travel agents and books come from bookstores.