The document discusses innovation in the financial services industry. It provides examples of business model innovations like Prosper and Grameen Bank that connect borrowers and lenders online. It also gives examples of product innovations like Manulife consolidating debts and services innovations like mobile banking from Citibank Philippines. The document advocates that technology and collaboration are important enablers of innovation.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
This report will allow FinTech startups and investors to have a better overview of Thailand’s economy and opportunities available in the market to bring out the potential and greater financial inclusion in Thailand.
The Inclusive Fintech 50 applicant pool provides new insights into inclusion-focused fintech, itself a subset of the fintech universe. Early-stage inclusive fintechs are developing innovative products, services, business models, and distribution channels to provide solutions for underserved segments. Yet these startups require capital and other resources in order to reach the world’s 3 billion financially underserved people. By highlighting these high-potential companies, we hope to support the efforts of investors, banking partners, and other fintechs working towards a financially inclusive world.
https://runfrictionless.com/b2b-white-paper-service/
Digital Disruption in Asset and Wealth ManagementCapgemini
The groundswell that is today impacting massively retail banking is now impacting all banking businesses. Opportunities offered by new digital technology such as Big data & analytics have not been fully explored yet by Asset & Wealth Management actors, and new technologies are mainly confined to improve shared platforms and reporting flexibility. But the turn might come soon now with the aggressive launches of Fintechs investing all parts of the banking business, including its most exclusive territories.
Asset and Wealth Management might be the next targets, facing the up-rise of new Robo-Advisors quickly gaining market
share on their devoted playground until now.
Traditional Asset and Wealth Managers should anticipate and react, building on their knowledge and assets in order to contain this new trend but this will require that they adapt and probably more globally rethink their business model, to avoid the commoditization of their activity.
The aim of this document is to present how Asset and Wealth Managers can take advantage of the digital revolution / emergence of Fintechs to become more competitive and attract more clients.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
This report will allow FinTech startups and investors to have a better overview of Thailand’s economy and opportunities available in the market to bring out the potential and greater financial inclusion in Thailand.
The Inclusive Fintech 50 applicant pool provides new insights into inclusion-focused fintech, itself a subset of the fintech universe. Early-stage inclusive fintechs are developing innovative products, services, business models, and distribution channels to provide solutions for underserved segments. Yet these startups require capital and other resources in order to reach the world’s 3 billion financially underserved people. By highlighting these high-potential companies, we hope to support the efforts of investors, banking partners, and other fintechs working towards a financially inclusive world.
https://runfrictionless.com/b2b-white-paper-service/
Digital Disruption in Asset and Wealth ManagementCapgemini
The groundswell that is today impacting massively retail banking is now impacting all banking businesses. Opportunities offered by new digital technology such as Big data & analytics have not been fully explored yet by Asset & Wealth Management actors, and new technologies are mainly confined to improve shared platforms and reporting flexibility. But the turn might come soon now with the aggressive launches of Fintechs investing all parts of the banking business, including its most exclusive territories.
Asset and Wealth Management might be the next targets, facing the up-rise of new Robo-Advisors quickly gaining market
share on their devoted playground until now.
Traditional Asset and Wealth Managers should anticipate and react, building on their knowledge and assets in order to contain this new trend but this will require that they adapt and probably more globally rethink their business model, to avoid the commoditization of their activity.
The aim of this document is to present how Asset and Wealth Managers can take advantage of the digital revolution / emergence of Fintechs to become more competitive and attract more clients.
"The ASEAN FinTech Census is a research initiative undertaken by EY to understand the key factors shaping FinTech and to bring to the forefront the voice of 251 FinTechs
highlighting key areas of growth, opportunities and potential challenges and an analysis of FinTech’s responses on revenue growth, capital requirements, regulatory support, operating environment and plans for future expansion."
From competition to partnerships banks, fin techs, and neobanks _ medicivinaykumar2984
This article from MEDICI talks about banks, FinTechs, and Neobanks going from being competitors to being in partnerships. Read about it all only on MEDICI.
FinTech: The revolution is here!
In this session, we will introduce fintech and discuss the eight key innovations in fintech that are revolutionizing how companies are doing business. This session is geared towards fintech enthusiasts and financial industry professionals who are intrigued and fascinated by the innovations in fintech and would like to learn and adapt to the new realities of the 21st century
Asia's Digital Trade Landscape Heads into a New DecadeCognizant
As the region solidifies its global trade leadership, banks have an opportunity to serve new financial needs as long as they make needed technology and process changes.
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
Neobanks have been the flavor of the season.
We have atleast one catering to the Millennials, Gig Economy / Blue-collared workers, Students, Startups, SMEs, Cooperatives. Exciting times.
http://goniyo.com/
https://sliceit.com/
https://jupiter.money/
http://koppr.in/
https://epifi.com/
https://coop.kred.in/
https://yelobank.in/
http://fampay.in/
https://bankonjuno.com/
https://www.enkash.com/
https://www.bankopen.com/
Note: this may not be the exhaustive list.
#neobanks #ncpi #indiastack #digitalbanking #millennials #openbanking #fintech
#niyo #slice #jupiter #koppr #epifi #kred #yelo #fampay #juno #open #enkash #ezoto
The Banking-as-a-Service 2.0 report is an in-depth analysis of the fast-evolving BaaS segment. In this report, we analyze the global landscape of specialized FinTech companies and banks that have BaaS as core to their business, funding and investment patterns since 2018, regulatory & market drivers, and a host of industry expert opinions.
Review looking at the future of financial technologies (FinTech) up to 2025.
This report sets out the findings of a review by the Government Chief Scientific Adviser on FinTech. It looks at:
* what government can do to help achieve the economic potential of FinTech
* how companies can work more closely with academia to ensure that the UK continues to be a world leader in this area
It recommends a number of actions for government to support the growth of the sector.
MEDICI's new India InsurTech Report 2020 explores the InsurTech sector in India. The report delves into what drives transformation in the sector, regulatory initiatives, funding & investment activity, prominent players, and business models.
MEDICI’s new ‘Africa FinTech Report 2020’ is a deep-dive into the sector; it analyzes segments, funding patterns, M&As, partnerships, and countries, and offers perspectives that have been drawn out of regulatory, economic, and market dynamics.
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
Mercer Capital's Value Focus: FinTech Industry | Second Quarter 2016 Mercer Capital
Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
This Seminar will initiate a reflection regarding the extent to which innovation within the Financial Technology (FinTech) sector can and should be regulated.
The case will be illustrated with examples of the UK and EU market (e.g. the Financial Conduct Authority (FCA)’s Project ‘Innovate’ and the European Commission’s Single European Payment Area (SEPA)) and the implications for innovation will be discussed.
This will be complemented by introducing an Asian perspective as to the capacity of specific jurisdictions to frame and catalyse innovation, focusing on specific challenges and opportunities in Mainland China and Hong Kong.
The Startup Factories: The Rise of Accelerator ProgramsVasily Ryzhonkov
The general characteristics of an accelerator described by Miller and Bound in their report Startup Factories. Authors present their ideas and findings about phenomenon called business accelerator.
"The ASEAN FinTech Census is a research initiative undertaken by EY to understand the key factors shaping FinTech and to bring to the forefront the voice of 251 FinTechs
highlighting key areas of growth, opportunities and potential challenges and an analysis of FinTech’s responses on revenue growth, capital requirements, regulatory support, operating environment and plans for future expansion."
From competition to partnerships banks, fin techs, and neobanks _ medicivinaykumar2984
This article from MEDICI talks about banks, FinTechs, and Neobanks going from being competitors to being in partnerships. Read about it all only on MEDICI.
FinTech: The revolution is here!
In this session, we will introduce fintech and discuss the eight key innovations in fintech that are revolutionizing how companies are doing business. This session is geared towards fintech enthusiasts and financial industry professionals who are intrigued and fascinated by the innovations in fintech and would like to learn and adapt to the new realities of the 21st century
Asia's Digital Trade Landscape Heads into a New DecadeCognizant
As the region solidifies its global trade leadership, banks have an opportunity to serve new financial needs as long as they make needed technology and process changes.
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
Neobanks have been the flavor of the season.
We have atleast one catering to the Millennials, Gig Economy / Blue-collared workers, Students, Startups, SMEs, Cooperatives. Exciting times.
http://goniyo.com/
https://sliceit.com/
https://jupiter.money/
http://koppr.in/
https://epifi.com/
https://coop.kred.in/
https://yelobank.in/
http://fampay.in/
https://bankonjuno.com/
https://www.enkash.com/
https://www.bankopen.com/
Note: this may not be the exhaustive list.
#neobanks #ncpi #indiastack #digitalbanking #millennials #openbanking #fintech
#niyo #slice #jupiter #koppr #epifi #kred #yelo #fampay #juno #open #enkash #ezoto
The Banking-as-a-Service 2.0 report is an in-depth analysis of the fast-evolving BaaS segment. In this report, we analyze the global landscape of specialized FinTech companies and banks that have BaaS as core to their business, funding and investment patterns since 2018, regulatory & market drivers, and a host of industry expert opinions.
Review looking at the future of financial technologies (FinTech) up to 2025.
This report sets out the findings of a review by the Government Chief Scientific Adviser on FinTech. It looks at:
* what government can do to help achieve the economic potential of FinTech
* how companies can work more closely with academia to ensure that the UK continues to be a world leader in this area
It recommends a number of actions for government to support the growth of the sector.
MEDICI's new India InsurTech Report 2020 explores the InsurTech sector in India. The report delves into what drives transformation in the sector, regulatory initiatives, funding & investment activity, prominent players, and business models.
MEDICI’s new ‘Africa FinTech Report 2020’ is a deep-dive into the sector; it analyzes segments, funding patterns, M&As, partnerships, and countries, and offers perspectives that have been drawn out of regulatory, economic, and market dynamics.
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
Mercer Capital's Value Focus: FinTech Industry | Second Quarter 2016 Mercer Capital
Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
This Seminar will initiate a reflection regarding the extent to which innovation within the Financial Technology (FinTech) sector can and should be regulated.
The case will be illustrated with examples of the UK and EU market (e.g. the Financial Conduct Authority (FCA)’s Project ‘Innovate’ and the European Commission’s Single European Payment Area (SEPA)) and the implications for innovation will be discussed.
This will be complemented by introducing an Asian perspective as to the capacity of specific jurisdictions to frame and catalyse innovation, focusing on specific challenges and opportunities in Mainland China and Hong Kong.
The Startup Factories: The Rise of Accelerator ProgramsVasily Ryzhonkov
The general characteristics of an accelerator described by Miller and Bound in their report Startup Factories. Authors present their ideas and findings about phenomenon called business accelerator.
Smart City Expo 2014: How to generate more innovation and improve return on i...Grow VC Group
How to generate more innovation and improve return on investment from your innovation ecosystem.
Global downturn raised expectations for innovation services that are not producing enough results. We explore the reasons and solutions to overcome these challenges. Solutions that can radically improve transparency, efficiency and measurability of the innovation funnel, to produce economic growth.
Related recorded short version video: https://youtu.be/kF6kjq374RQ?t=4m15s
Igniting growth through innovation: disruptive trendsEY
At the Igniting growth through innovation retreat, EY invited a panel of thought leaders to discuss three disruptive megatrends that are driving today’s innovation and altering corporate strategy.
Building a Growth Engine: How to Drive Sustainable Innovation and Grow.Rob Munro
Driving sustainable growth comes from embracing a systems perspective to our innovation activities.
Because studies show that how you organize can make the difference between average performance from stand out performance.
I’ve found that innovation is not an event and that businesses who create an innovation habit get better results.
You will discover that How you innovate is as important as What you innovate.
The Financial Times, in partnership with HP, recently held an event in Milan to discuss new CIO strategies for the digital age. Topics discussed included customer engagement, consistent delivery of service across all channels, strategies for driving innovation and supporting business growth, and security concerns in an era of BYOD and cloud services.
This white paper highlight key discussion points from the event.
Similar to Innovation Report World Tour Of The Financial Services Industry Brant R Carson Chirag Pathak Eric Quon Lee Vincent Ghossoub Final (20)
Scenarios around omnipresence stemming from themes of departure and resulting in a set of technologies realizable through partnerships of companies in different sectors.
Scenarios around omnipresence stemming from themes of departure and resulting in a set of technologies realizable through partnerships of companies in different sectors.
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Innovation Report World Tour Of The Financial Services Industry Brant R Carson Chirag Pathak Eric Quon Lee Vincent Ghossoub Final
1. e-Business Innovation Report Research Conducted by: Brant R. Carson (20), Vincent Nazih(20), Chirag Pathak (18), Eric Quon-Lee (18) Innovation Model: Tom Vassos [email_address]
4. “ We will fight our battles not on the low road to commoditization, but on the high road of innovation.” Howard Stringer, Chairman & CEO, Sony Corporation Oct. 4, 2005 “ Government support for scientific research is not enough. We also need to make sure that scientific innovation gets translated into applied uses in business.” U.K. Prime Minister Tony Blair "Constant reinvention is the central necessity at GE... We're all just a moment away from commodity hell.“ Jeffrey Immelt Chairman and CEO, GE “ More and more CEOs are adopting an innovation agenda.” Sam Palmisano, IBM CEO “ Electronics Industry Lacks Innovation, Philips CEO Charges” EE Times , Sept. 27, 2005 “ Continuous innovation and the full, unfettered expression of human capacity are indispensable to Japan's economic rebirth and revitalization.” Japanese Prime Minister Junichiro Koizumi “ Innovation is an essential component of corporate survival.” Anne Golden President and CEO Conference Board of Cda Source: IBM Innovation has become an important part of the agenda for senior public and private sector leaders
5.
6.
7.
8. CXOs recognize innovation as the most important capability for competitive differentiation and growth Source: March 2005 McKinsey Quarterly survey of 9,345 global executives Ability to manage increasing Regulation costs Ability to allocate capital Ability to manage a global organization Ability to allocate the best talent Ability to innovate Percentage of executives that consider each capability important for growth
9.
10. Several sources of innovative ideas are actually external to the organization Source: IBM Employees Business Partners Customers Consultants Competitors Associations/Trade Groups Internet Sales/Service Units Internal R&D Academia * Respondents could select up to three choices External Sources of Innovation Percentage of Respondents Companies that relied more on external sources for innovative ideas outperformed other companies.
12. Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy The Innovation Roadmap is a comprehensive framework for building a strategic innovation plan that will drive value to any organization. It includes the creation of an innovation strategy, an execution strategy and an e-Business strategy – enabled by innovation enablers and technology enablers. Innovation Roadmap Innovation Strategy
13. Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy The Innovation Roadmap should be driven jointly by the IT department as well as various “Lines of Business”. The Lines of Business tend to have more input into the Innovation Strategy and the Execution Strategy, while the IT department tends to have more input into the Innovation and Technology Enablers. Innovation Roadmap Innovation Strategy LOB* IT LOB & IT * LOB = Line of Business
14. Business Model Innovation Product Innovation Operations Innovation Business Function Innovation Services Innovation Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy Innovation Roadmap – Innovation Strategy Innovation Strategy The Innovation Strategy involves an exploration of various forms of innovation, from Business Model Innovation to Operations Innovation.
15. Leadership Governance Collaboration Change Management Communications Organization Culture & Rewards Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy Innovation Roadmap – Execution Strategy The Execution Strategy involves a comprehensive approach to executing an innovation plan – from leadership and governance considerations, to change management and communications plans.
16. Foundation Phase Exploitation Phase Strategic Transformation Phase Innovation Phase Business Extension Phase Technology Enablers Innovation Enablers e-Business Strategy Innovation Roadmap – e-Business Strategy The e-Business Strategy involves an exploration of various forms of innovation that are tied to various e-Business functional areas such as e-Learning, e-Purchasing, e-Mail Marketing, Viral Marketing, e-Marketplaces, Online Communities, One-on-One Personalization Strategies, etc.
17. Conferences & workshops Flexible IP rights Military commercialization Education gone public The New Value Chain Technology Enablers Partner collaboration Influence 2.0 Innovation Enablers Innovation Roadmap – Innovation Enablers Innovation Enablers are tactics that can be deployed to cultivate the ongoing formation of hundreds of innovative ideas throughout an organization. Many enablers used in other industries have been applied in the global financial services industry or should be considered in the near future.
18. Innovation Roadmap – Technology Enablers Technology Enablers are technologies that can be deployed to drive specific innovative applications for competitive advantage and/or generating a Return on Investment. Many enablers for other industries have been applied, are in the process of being applied or should be applied in the global financial services industry. Social networking Video Net neutrality Blogs 3G & IMS Wikis Technology Enablers
20. Business Model Innovation Product Innovation Operations Innovation Business Function Innovation Services Innovation Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy Innovation Roadmap – Innovation Strategy Innovation Strategy The Innovation Strategy involves an exploration of various forms of innovation, from Business Model Innovation to Operations Innovation.
21. Product Innovation Business Model Innovation Services Innovation Operations Innovation In the global Financial Services industry, there are many innovative companies. Business Function Innovation
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40. Marketing Innovation Strategy Innovation Sales Innovation HR Innovation R&D Innovation Purchasing Innovation Finance Innovation Organization Design Innovation There are many innovation pioneers across many functional areas as evidenced by these examples. Business Function Innovation
41. Engineering Innovation Logistics Innovation IT Innovation PR Innovation Investor Relations Innovation There are many innovation pioneers across many functional areas as evidenced by these examples. Employee Satisfaction Innovation Production Innovation Business Function Innovation
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59. Ferratum offers a seductively simple concept of granting small 15 day loans by sms message, which can be requested by mobile. Ferratum provides the capital and charges a fee of 25% of the loan value for this service. IT Innovation Source: http://www.psfk.com/2007/08/ferratum-offers-loans-by-sms.html Customer sends a request for money over sms and provides an account number, date of birth and address. Ferratum charges a 25% service fee for providing the loan which must be returned in 15 days. Customer can collect the money within 10 minutes.
66. Leadership Governance Collaboration Change Management Communications Organization Culture & Rewards Technology Enablers Innovation Enablers e-Business Strategy Execution Strategy Innovation Roadmap – Execution Strategy The Execution Strategy involves a comprehensive approach to executing an innovation plan – from leadership and governance considerations, to change management and communications plans.
67. Change Management Culture & Rewards Collaboration Communications Leadership Governance Organization There are many innovation pioneers across many areas of execution as evidenced by these examples. Execution Strategy Innovation
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70. Change Management The Industrial Credit and Investment Corporation of India (ICICI) implemented “Five S” which is a change management process. Its implementation resulted in 50% cost savings at one bank branch in Mumbai. Source: http:// ebusiness.icicibank.com/imarkets/products/treasury_banking.asp?prod=tsbk ; Case Study 10 Pages, Change Management @ ICICI : case study, Case Code , 2002.Centre for Management research order number :HROB008 "Five S is a workplace transformation exercise. When we implemented it across the organisation, it …[had] many tangible benefits," says Chanda Kochhar, executive director, ICICI Bank.
71. Culture and Rewards Source: www.db.com/careers/en/507.html http://www.cambridge-na.com/files/IR_downloads/Information_memorandum.pdf With the “Total Reward Philosophy” the bank is able to retain highly skilled workers by providing them with excellent benefits and compensation based on teamwork and innovation. Deutsche Bank has a “Total Reward Philosophy,” which is geared toward a culture of performance and innovation. Rewards are aligned with the bank’s core values of teamwork and innovation. Employees are compensated significantly for innovative ideas.
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73. Leadership The implementation of innovation needs a committed senior leadership to guide through resistance to change introduced by innovative ideas. Source: http://www.privatebankinginnovation.com “ We have all sorts of exemptions in order to get things done and communicate our projects to the executives” Tim Hanlon, RBC Former CEO of HSBC Private Banking (Suisse) SA says maintaining a new product for entrepreneurs was one of the key criteria in his succession selection
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75. Organization Lloyds Bank (UK) implemented a unique model at the bank for distributed innovation where all innovative ideas were encouraged throughout the organization, filtered to a consultant and then implemented. Source: Bob Garratt, Organizational change, learning and metrics: hard and soft ways to effective organizational change, Development and Learning in Organizations, Volume 19, pp-4-6, 2005. There was no division devoted to thinking about or implementing innovation, no R&D department, rather ideas for innovation came in from all departments and filtered through a consultant. Lloyds is an example of a slow organizational change model where the entire organization in involved, it is not possible to develop this culture in a single day or month.
77. Foundation Phase Exploitation Phase Strategic Transformation Phase Innovation Phase Business Extension Phase Technology Enablers Innovation Enablers e-Business Strategy Innovation Roadmap – e-Business Strategy The e-Business Strategy involves an exploration of various forms of innovation that are tied to various e-Business functional areas such as e-Learning, e-Purchasing, e-Mail Marketing, Viral Marketing, e-Marketplaces, Online Communities, One-on-One Personalization Strategies, etc.
78. The e-Business Roadmap Exploitation Phase Innovation Phase Business Extension Phase Strategic Transformation Phase Foundation Phase The e-Business Roadmap can be used to explore a broad range of potential innovative e-Business ideas Global Niche Marketing e-Channel Strategic Alliance Future Innovation e-Marketplace Mobile Human Interaction Automated Interaction Database Application E-Business Transaction Workflow Process e-Commerce Community Outbound E-mail Viral Marketing Personalization Customer Relationship Knowledge Management Traffic Generation Communications Infrastructure Collaboration Research Competitive Research Market Research e-Learning Assessment Strategy Organization Infrastructure Reach e-Branding Purchasing Publishing
80. Conferences & workshops Flexible IP rights Military commercialization Education gone public The New Value Chain Technology Enablers Partner collaboration Influence 2.0 Innovation Enablers Innovation Roadmap – Innovation Enablers Innovation Enablers are tactics that can be deployed to cultivate the ongoing formation of hundreds of innovative ideas throughout an organization. Many enablers used in other industries have been applied in the global financial services industry or should be considered in the near future.
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94. Innovation Roadmap – Technology Enablers Technology Enablers are technologies that can be deployed to drive specific innovative applications for competitive advantage and/or generating a Return on Investment. Many enablers for other industries have been applied, are in the process of being applied or should be applied in the global financial services industry. Social networking Video Net neutrality Blogs 3G & IMS Wikis Technology Enablers