SlideShare a Scribd company logo
How customer experience will dictate the winners in banking
THE
$134 TRILLION
BATTLE
A BRAVE
NEW WORLD
Waiting for a ride
Taxi (30 mins)
Uber (3 mins)
Sending a note
Fax (3 mins)
Text Msg (3 sec)
Finding information
Library (1 day)
Google (1 sec)
1999
1999
1999
2019
2019
2019
TIME CHANGE IN CUSTOMER EXPECTATIONS 1999-2019
THE NEW
NORMAL
How customer experience will dictate the winners in banking
AMAZON SETS HIGHER EXPECTATIONS FOR ALL
“Free Two Day Shipping”
2005
“We do too”
2019
1. Apple
2. Backcountry
3. Barnes and Noble
4. Best Buy
5. Birchbox
7. Camp Saver
8. Competitive Cyclist
9. Costco
10. CVS
11. Gear Coop
12. Home Depot
13. Jet
14. Moosejaw
15. Patagonia
16. Ray-Ban
17. Reverb
18. Shop Your Way
19. Sunglass Hut
20. Sephora
21. ShopRunner
22. Steve Madden
23. Target
24. Uniqlo
25. Verizon Wireless
26. Walmart
27. Running Warehouse
THE TRANSFER EFFECT
MAKE THAT
FREE 1 DAY
SHIPPING
THE WAR
ON CASH
How customer experience will dictate the winners in banking
How customer experience will dictate the winners in banking
ELECTRONIC
TRANSACTIONS
CASH TRANSACTIONS PREDICTED TO BE HALF A PER CENT BY 2020
CASH
TRANSACTIONS
Source: CB Insights
DIGITAL &
REAL-TIME
ECONOMY
BANKING 1.0
Having an AVERAGE
website and web app
was GREAT
BANKING 2.0
Having a GREAT
website and app
is AVERAGE
1 IN 6 CUSTOMERS WILL LEAVE A BANK FOR BILL PAY, MOBILE
PAYMENTS, BUDGETING, LOAN APP, AND ALEXA INTEGRATION
Source: JD Power
PRODUCT FIT
METHOD
STAGE EXPERTISE FOCUS AREA TOOLS
USER
TYPES
MENTALITY
1. Problem Solution Fit User Experience User Pains and Gains Prototypes & Value Proposition Canvas Recruits Discovery
2. Product Market Fit
Product
Management
Viability Minimum Viable Product and Lean Canvas
Early
Adopters
Validation
3. Distribution Conversion Fit Marketing
Traction and
Profitability
Paid, Earned, Own Media
Mass
Audience
Growth
PROBLEM
SOLUTION FIT
CUSTOMERS MUST
NOT BE DEFINED AS
ASSETS AND LIABILITIES
CUSTOMERPROPOSITION
GAINS
PAINS
GAIN
CREATORS
PAINS
RELIEVERS
JOBS
PRODUCT &
SERVICES
PROBLEM
SOLUTION
FIT
How customer experience will dictate the winners in banking
JOBS TO BE DONE
BALANCE THE BUDGET
CURRENCY CONVERSION
INTEREST CALCULATION
TAX CALCULATION
MANAGE EXPENSES
BOOKKEEPING
BANKS GO M.I.A IN MEETING THE GOALS OF USERS
Short Term
1. Set a Budget and Stick to It
2. Create an Emergency Fund
3. Payoff Credit Cards
Mid Term
1. Get Life Insurance
2. Pay Off Loans and Debts
3. Buy a Home
Long Term
1. Estimate Retirement Needs
2. Increase Retirement
Savings
PRODUCT
MARKET FIT
25% OF UK ONLINE BANKING USERS HAVE EXPERIENCED
BANKING SYSTEMS FAILURES IN THE PAST YEAR
Source: Consumer Intelligence Research Partners, LLC
21
BUILD A MVP THAT SITS ON
ENTERPRISE SERVERS, WITH LIVE
APPLICATIONS AND REAL DATA.
ACQUIRE EARLY ADOPTER
CUSTOMERS AND THEN
SATISFY THEM.
DISTRIBUTION
CONVERSION
FIT
PAID MEDIA
ACCELERATES YOUR STORY
OWN MEDIA
MAKES YOUR STORY CREDIBLE
EARNED MEDIA
MAKES YOUR STORY TRUSTWORTHY
ADVOCACY & CONVERSATION ARE KEY
SOCIAL
CURRENCY
We Share What Makes Us
Look Good
TRIGGERS
Timing is Everything
EMOTION
Give Goosebumps,
Get Traffic Bumps
PUBLIC
Provide Social Proof
PRACTICAL
VALUE
Where's the Utility?
STORIES
Tell Me a Tale
HOW TO MAKE A STORY WORTH SHARING
WHAT’S YOUR RALLY?
CUSTOMER
EXPERIENCE
FORMULA
UNDERSTAND NEW EXPECTATIONS
+
MEET PAINS & GAINS
+
VALIDATE THE MVP
=
YOU’LL HAVE A STORY WORTH SHARING
QUALITANCE.COM

More Related Content

Similar to How customer experience will dictate the winners in banking

Leveraging Omnichannel Trends for E-Commerce Marketplace Success
Leveraging Omnichannel Trends for E-Commerce Marketplace SuccessLeveraging Omnichannel Trends for E-Commerce Marketplace Success
Leveraging Omnichannel Trends for E-Commerce Marketplace Success
G3 Communications
 
Plethora Mobile-About Us
Plethora Mobile-About UsPlethora Mobile-About Us
Plethora Mobile-About Us
Plethora Mobile
 
Fox Williams Fashion Law Seminar October 2014
Fox Williams Fashion Law Seminar October 2014Fox Williams Fashion Law Seminar October 2014
Fox Williams Fashion Law Seminar October 2014
James Angus Pow
 
VMob: Building a cloud-based mobile marketing platform with Scott Bradley
VMob: Building a cloud-based mobile marketing platform with Scott Bradley	VMob: Building a cloud-based mobile marketing platform with Scott Bradley
VMob: Building a cloud-based mobile marketing platform with Scott Bradley
nzsoftware
 
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
Laurie Gunlicks
 
Alastair Tempest
Alastair TempestAlastair Tempest
Alastair Tempest
itnewsafrica
 
Crm
CrmCrm
Essay On Dengue Fever
Essay On Dengue FeverEssay On Dengue Fever
Essay On Dengue Fever
Patty Loen
 
Tourism and Distribution - New Paradigm: ATEC, Sydney, 2007
Tourism and Distribution - New Paradigm: ATEC, Sydney,  2007Tourism and Distribution - New Paradigm: ATEC, Sydney,  2007
Tourism and Distribution - New Paradigm: ATEC, Sydney, 2007
Anna Pollock
 
Ebags
EbagsEbags
Ebags
mjk194
 
Utah DMC Presents: Let's Talk eCommerce - October 2019
Utah DMC Presents: Let's Talk eCommerce -  October 2019Utah DMC Presents: Let's Talk eCommerce -  October 2019
Utah DMC Presents: Let's Talk eCommerce - October 2019
Utah Digital Marketing Collective
 
Kiel_Capstone Final Plan_Trunk Club Custom
Kiel_Capstone Final Plan_Trunk Club CustomKiel_Capstone Final Plan_Trunk Club Custom
Kiel_Capstone Final Plan_Trunk Club Custom
Casie Kiel
 
The IT Business is...Well, Squirrely!
The IT Business is...Well, Squirrely!The IT Business is...Well, Squirrely!
The IT Business is...Well, Squirrely!
Bob Snyder
 
How the 2008 Financial Crisis Led to a Revolution in Luxury Retail
How the 2008 Financial Crisis Led to a Revolution in Luxury RetailHow the 2008 Financial Crisis Led to a Revolution in Luxury Retail
How the 2008 Financial Crisis Led to a Revolution in Luxury Retail
Katherine Wadsworth
 
A Data-Driven Marketing Plan - Deanna Kawasaki
A Data-Driven Marketing Plan - Deanna KawasakiA Data-Driven Marketing Plan - Deanna Kawasaki
A Data-Driven Marketing Plan - Deanna Kawasaki
Joshua Tree Internet Media, LLC
 
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
Logo Design Guru
 
What's Next: The Ogilvy Consulting Trends for 2019
What's Next: The Ogilvy Consulting Trends for 2019What's Next: The Ogilvy Consulting Trends for 2019
What's Next: The Ogilvy Consulting Trends for 2019
Ogilvy Consulting
 
Capital One New Credit Card Product Presentation - Product School Presentation
Capital One New Credit Card Product Presentation - Product School PresentationCapital One New Credit Card Product Presentation - Product School Presentation
Capital One New Credit Card Product Presentation - Product School Presentation
Jue Myers
 
Mobile Marketing 101
Mobile Marketing 101Mobile Marketing 101
Mobile Marketing 101
Molly Garris
 
Webvan Final
Webvan FinalWebvan Final
Webvan Final
Navin Bafna
 

Similar to How customer experience will dictate the winners in banking (20)

Leveraging Omnichannel Trends for E-Commerce Marketplace Success
Leveraging Omnichannel Trends for E-Commerce Marketplace SuccessLeveraging Omnichannel Trends for E-Commerce Marketplace Success
Leveraging Omnichannel Trends for E-Commerce Marketplace Success
 
Plethora Mobile-About Us
Plethora Mobile-About UsPlethora Mobile-About Us
Plethora Mobile-About Us
 
Fox Williams Fashion Law Seminar October 2014
Fox Williams Fashion Law Seminar October 2014Fox Williams Fashion Law Seminar October 2014
Fox Williams Fashion Law Seminar October 2014
 
VMob: Building a cloud-based mobile marketing platform with Scott Bradley
VMob: Building a cloud-based mobile marketing platform with Scott Bradley	VMob: Building a cloud-based mobile marketing platform with Scott Bradley
VMob: Building a cloud-based mobile marketing platform with Scott Bradley
 
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
Buy Cause And Effect Essay Outline Pdf. Online assignment writing service.
 
Alastair Tempest
Alastair TempestAlastair Tempest
Alastair Tempest
 
Crm
CrmCrm
Crm
 
Essay On Dengue Fever
Essay On Dengue FeverEssay On Dengue Fever
Essay On Dengue Fever
 
Tourism and Distribution - New Paradigm: ATEC, Sydney, 2007
Tourism and Distribution - New Paradigm: ATEC, Sydney,  2007Tourism and Distribution - New Paradigm: ATEC, Sydney,  2007
Tourism and Distribution - New Paradigm: ATEC, Sydney, 2007
 
Ebags
EbagsEbags
Ebags
 
Utah DMC Presents: Let's Talk eCommerce - October 2019
Utah DMC Presents: Let's Talk eCommerce -  October 2019Utah DMC Presents: Let's Talk eCommerce -  October 2019
Utah DMC Presents: Let's Talk eCommerce - October 2019
 
Kiel_Capstone Final Plan_Trunk Club Custom
Kiel_Capstone Final Plan_Trunk Club CustomKiel_Capstone Final Plan_Trunk Club Custom
Kiel_Capstone Final Plan_Trunk Club Custom
 
The IT Business is...Well, Squirrely!
The IT Business is...Well, Squirrely!The IT Business is...Well, Squirrely!
The IT Business is...Well, Squirrely!
 
How the 2008 Financial Crisis Led to a Revolution in Luxury Retail
How the 2008 Financial Crisis Led to a Revolution in Luxury RetailHow the 2008 Financial Crisis Led to a Revolution in Luxury Retail
How the 2008 Financial Crisis Led to a Revolution in Luxury Retail
 
A Data-Driven Marketing Plan - Deanna Kawasaki
A Data-Driven Marketing Plan - Deanna KawasakiA Data-Driven Marketing Plan - Deanna Kawasaki
A Data-Driven Marketing Plan - Deanna Kawasaki
 
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
20 Ways to Supercharge Your Micro Moments with Your Holiday Shopper
 
What's Next: The Ogilvy Consulting Trends for 2019
What's Next: The Ogilvy Consulting Trends for 2019What's Next: The Ogilvy Consulting Trends for 2019
What's Next: The Ogilvy Consulting Trends for 2019
 
Capital One New Credit Card Product Presentation - Product School Presentation
Capital One New Credit Card Product Presentation - Product School PresentationCapital One New Credit Card Product Presentation - Product School Presentation
Capital One New Credit Card Product Presentation - Product School Presentation
 
Mobile Marketing 101
Mobile Marketing 101Mobile Marketing 101
Mobile Marketing 101
 
Webvan Final
Webvan FinalWebvan Final
Webvan Final
 

Recently uploaded

Uncharted Together- Navigating AI's New Frontiers in Libraries
Uncharted Together- Navigating AI's New Frontiers in LibrariesUncharted Together- Navigating AI's New Frontiers in Libraries
Uncharted Together- Navigating AI's New Frontiers in Libraries
Brian Pichman
 
Introduction-to-the-IAM-Platform-Implementation-Plan.pptx
Introduction-to-the-IAM-Platform-Implementation-Plan.pptxIntroduction-to-the-IAM-Platform-Implementation-Plan.pptx
Introduction-to-the-IAM-Platform-Implementation-Plan.pptx
313mohammedarshad
 
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
Muhammad Ali
 
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
Priyanka Aash
 
Opencast Summit 2024 — Opencast @ University of Münster
Opencast Summit 2024 — Opencast @ University of MünsterOpencast Summit 2024 — Opencast @ University of Münster
Opencast Summit 2024 — Opencast @ University of Münster
Matthias Neugebauer
 
Mule Experience Hub and Release Channel with Java 17
Mule Experience Hub and Release Channel with Java 17Mule Experience Hub and Release Channel with Java 17
Mule Experience Hub and Release Channel with Java 17
Bhajan Mehta
 
Step-By-Step Process to Develop a Mobile App From Scratch
Step-By-Step Process to Develop a Mobile App From ScratchStep-By-Step Process to Develop a Mobile App From Scratch
Step-By-Step Process to Develop a Mobile App From Scratch
softsuave
 
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
bhumivarma35300
 
Sonkoloniya documentation - ONEprojukti.pdf
Sonkoloniya documentation - ONEprojukti.pdfSonkoloniya documentation - ONEprojukti.pdf
Sonkoloniya documentation - ONEprojukti.pdf
SubhamMandal40
 
EuroPython 2024 - Streamlining Testing in a Large Python Codebase
EuroPython 2024 - Streamlining Testing in a Large Python CodebaseEuroPython 2024 - Streamlining Testing in a Large Python Codebase
EuroPython 2024 - Streamlining Testing in a Large Python Codebase
Jimmy Lai
 
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptxMAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
janagijoythi
 
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
Priyanka Aash
 
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptxDublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
Kunal Gupta
 
Zaitechno Handheld Raman Spectrometer.pdf
Zaitechno Handheld Raman Spectrometer.pdfZaitechno Handheld Raman Spectrometer.pdf
Zaitechno Handheld Raman Spectrometer.pdf
AmandaCheung15
 
Connector Corner: Leveraging Snowflake Integration for Smarter Decision Making
Connector Corner: Leveraging Snowflake Integration for Smarter Decision MakingConnector Corner: Leveraging Snowflake Integration for Smarter Decision Making
Connector Corner: Leveraging Snowflake Integration for Smarter Decision Making
DianaGray10
 
Integrating Kafka with MuleSoft 4 and usecase
Integrating Kafka with MuleSoft 4 and usecaseIntegrating Kafka with MuleSoft 4 and usecase
Integrating Kafka with MuleSoft 4 and usecase
shyamraj55
 
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
shanihomely
 
July Patch Tuesday
July Patch TuesdayJuly Patch Tuesday
July Patch Tuesday
Ivanti
 
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
aslasdfmkhan4750
 
Semantic-Aware Code Model: Elevating the Future of Software Development
Semantic-Aware Code Model: Elevating the Future of Software DevelopmentSemantic-Aware Code Model: Elevating the Future of Software Development
Semantic-Aware Code Model: Elevating the Future of Software Development
Baishakhi Ray
 

Recently uploaded (20)

Uncharted Together- Navigating AI's New Frontiers in Libraries
Uncharted Together- Navigating AI's New Frontiers in LibrariesUncharted Together- Navigating AI's New Frontiers in Libraries
Uncharted Together- Navigating AI's New Frontiers in Libraries
 
Introduction-to-the-IAM-Platform-Implementation-Plan.pptx
Introduction-to-the-IAM-Platform-Implementation-Plan.pptxIntroduction-to-the-IAM-Platform-Implementation-Plan.pptx
Introduction-to-the-IAM-Platform-Implementation-Plan.pptx
 
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
Litestack talk at Brighton 2024 (Unleashing the power of SQLite for Ruby apps)
 
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
(CISOPlatform Summit & SACON 2024) Cyber Insurance & Risk Quantification.pdf
 
Opencast Summit 2024 — Opencast @ University of Münster
Opencast Summit 2024 — Opencast @ University of MünsterOpencast Summit 2024 — Opencast @ University of Münster
Opencast Summit 2024 — Opencast @ University of Münster
 
Mule Experience Hub and Release Channel with Java 17
Mule Experience Hub and Release Channel with Java 17Mule Experience Hub and Release Channel with Java 17
Mule Experience Hub and Release Channel with Java 17
 
Step-By-Step Process to Develop a Mobile App From Scratch
Step-By-Step Process to Develop a Mobile App From ScratchStep-By-Step Process to Develop a Mobile App From Scratch
Step-By-Step Process to Develop a Mobile App From Scratch
 
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
High Profile Girls call Service Pune 000XX00000 Provide Best And Top Girl Ser...
 
Sonkoloniya documentation - ONEprojukti.pdf
Sonkoloniya documentation - ONEprojukti.pdfSonkoloniya documentation - ONEprojukti.pdf
Sonkoloniya documentation - ONEprojukti.pdf
 
EuroPython 2024 - Streamlining Testing in a Large Python Codebase
EuroPython 2024 - Streamlining Testing in a Large Python CodebaseEuroPython 2024 - Streamlining Testing in a Large Python Codebase
EuroPython 2024 - Streamlining Testing in a Large Python Codebase
 
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptxMAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
MAKE MONEY ONLINE Unlock Your Income Potential Today.pptx
 
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
(CISOPlatform Summit & SACON 2024) Orientation by CISO Platform_ Using CISO P...
 
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptxDublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
Dublin_mulesoft_meetup_Mulesoft_Salesforce_Integration (1).pptx
 
Zaitechno Handheld Raman Spectrometer.pdf
Zaitechno Handheld Raman Spectrometer.pdfZaitechno Handheld Raman Spectrometer.pdf
Zaitechno Handheld Raman Spectrometer.pdf
 
Connector Corner: Leveraging Snowflake Integration for Smarter Decision Making
Connector Corner: Leveraging Snowflake Integration for Smarter Decision MakingConnector Corner: Leveraging Snowflake Integration for Smarter Decision Making
Connector Corner: Leveraging Snowflake Integration for Smarter Decision Making
 
Integrating Kafka with MuleSoft 4 and usecase
Integrating Kafka with MuleSoft 4 and usecaseIntegrating Kafka with MuleSoft 4 and usecase
Integrating Kafka with MuleSoft 4 and usecase
 
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
Premium Girls Call Mumbai 9920725232 Unlimited Short Providing Girls Service ...
 
July Patch Tuesday
July Patch TuesdayJuly Patch Tuesday
July Patch Tuesday
 
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
High Profile Girls Call ServiCe Hyderabad 0000000000 Tanisha Best High Class ...
 
Semantic-Aware Code Model: Elevating the Future of Software Development
Semantic-Aware Code Model: Elevating the Future of Software DevelopmentSemantic-Aware Code Model: Elevating the Future of Software Development
Semantic-Aware Code Model: Elevating the Future of Software Development
 

How customer experience will dictate the winners in banking