How can you create compelling cross-channel experiences?
In case you missed it, here is what Fernando Alvarez presented earlier at SAPPHIRE.
You can also read Fernando's latest blog post "The Digital Commerce Revolution" here: https://www.capgemini-consulting.com/blog/digital-transformation-conversations/2015/05/the-digital-commerce-revolution
Capgemini Leads Digital Transformation for One of the World's Largest RetailersCapgemini
Read how one of the world's largest retailers defined its digital
transformation journey to gain greater customer insights and build a better in-store experience.
How do you know if your company has become a truly digital business? Check out this slide presentation and find out.
Designed and presented by: Ken Polotan
Thoughts on best practices to guide digital transformation. Covers 5 areas:- leadership, organisation and culture, the customer experience, the digital platform and execution.
Digital transformation at the Regional Innovation Board, October 2015Sven Denecken
Where to go for more information on Digital Transformation:
Blog series on Digital Transformation
http://scn.sap.com/community/cloud/blog/2015/01/17/digital-transformation-series-the-wrap
openSAP MOOC course on Digital Transformation
https://open.sap.com/courses/dit1
Blog series on Digital Transformation use cases with S/4HANA
http://scn.sap.com/community/s4hana/blog/2015/07/13/s4hana--the-use-case-series--intro
openSAP MOOC course on use cases S/4HANA
https://open.sap.com/courses/s4h3
Capgemini Leads Digital Transformation for One of the World's Largest RetailersCapgemini
Read how one of the world's largest retailers defined its digital
transformation journey to gain greater customer insights and build a better in-store experience.
How do you know if your company has become a truly digital business? Check out this slide presentation and find out.
Designed and presented by: Ken Polotan
Thoughts on best practices to guide digital transformation. Covers 5 areas:- leadership, organisation and culture, the customer experience, the digital platform and execution.
Digital transformation at the Regional Innovation Board, October 2015Sven Denecken
Where to go for more information on Digital Transformation:
Blog series on Digital Transformation
http://scn.sap.com/community/cloud/blog/2015/01/17/digital-transformation-series-the-wrap
openSAP MOOC course on Digital Transformation
https://open.sap.com/courses/dit1
Blog series on Digital Transformation use cases with S/4HANA
http://scn.sap.com/community/s4hana/blog/2015/07/13/s4hana--the-use-case-series--intro
openSAP MOOC course on use cases S/4HANA
https://open.sap.com/courses/s4h3
Cosa significa diventare un'azienda "Seamless Omnichannel" (ovvero gestire tutti i canali dai negozi all'e-commerce al mobile senza strappi), quali vantaggi possiamo trarre e quali sono i passi che dobbiamo compiere ?
1234 Digital Transformation Framework 2018Filip Drimalka
Introducing the world's first framework for the internal digital transformation of organizations and businesses of all sizes.
(The book "The road to digital transformation" out March 2018)
20150512 presentation seminar digital transformationPascal Spelier
This presenation I gave at Capgemini's Seminar on Digital Transformation (https://www.se.capgemini.com/events/seminar-digital-transformation-may-12th) in Sweden. Don't hesitate to contact me if you want more information about the topic and the contents of the presentation: pascal.spelier(at)capgemini.com
All about robusta! Learn more about our company, what we do, our detailed services, projects we worked on & clients we worked with & our engagement models
Create, grow and sustain your brand in the digital sea with Tiger Digital - a full-service digital marketing agency backed by decades of experience. Speak to us and let’s see if we’re a fit for each other.
some information on Discussion an example for your experience about any company conductive e-commerce? you can include any necessary chats, groups, etc. which were harmful or helpful to your experience.
Digital Fashion: Riprendere il controllo del canale e-ComemrceFederico Gasparotto
Intervento di Federico Gasparotto all\'evento Netcomm "DIGITAL FASHION: Multicanalità, eCommerce e Customer Engagement per le aziende della Moda"
Cloud Enabled Transformation In InsuranceCapgemini
Immature capabilities and growing market disruptors are compelling insurers to act swiftly and become fully customer centric. According to the World Insurance Report 2015 less than 30% of customers are having positive customer experiences globally forcing Insurers to reinvent their ability to deliver positive customer experience across the entire customer journey.
Capgemini's ACEs (All Channel Experience) for Insurance is built on Salesforce the leading CRM platform to help insurers improve their core capabilities and enrich customer experiences regardless of customer channel or device preferences.
Find out how Cloud-Enabled Transformation in Insurance from Capgemini and Salesforce is a faster and less disruptive way for insurers to rapidly evolve digital capabilities to achieve customer experiences that leave your customers wanting more!
Short introduction to Lean Startup, where does it come from and what does it mean.
Lean Startup has become very popular in startup scene in the last few years. But how is Lean Startup affecting MBA programs? This presentation was given to MBA students at Cotrugli International Business School Alumni Forum.
Cosa significa diventare un'azienda "Seamless Omnichannel" (ovvero gestire tutti i canali dai negozi all'e-commerce al mobile senza strappi), quali vantaggi possiamo trarre e quali sono i passi che dobbiamo compiere ?
1234 Digital Transformation Framework 2018Filip Drimalka
Introducing the world's first framework for the internal digital transformation of organizations and businesses of all sizes.
(The book "The road to digital transformation" out March 2018)
20150512 presentation seminar digital transformationPascal Spelier
This presenation I gave at Capgemini's Seminar on Digital Transformation (https://www.se.capgemini.com/events/seminar-digital-transformation-may-12th) in Sweden. Don't hesitate to contact me if you want more information about the topic and the contents of the presentation: pascal.spelier(at)capgemini.com
All about robusta! Learn more about our company, what we do, our detailed services, projects we worked on & clients we worked with & our engagement models
Create, grow and sustain your brand in the digital sea with Tiger Digital - a full-service digital marketing agency backed by decades of experience. Speak to us and let’s see if we’re a fit for each other.
some information on Discussion an example for your experience about any company conductive e-commerce? you can include any necessary chats, groups, etc. which were harmful or helpful to your experience.
Digital Fashion: Riprendere il controllo del canale e-ComemrceFederico Gasparotto
Intervento di Federico Gasparotto all\'evento Netcomm "DIGITAL FASHION: Multicanalità, eCommerce e Customer Engagement per le aziende della Moda"
Cloud Enabled Transformation In InsuranceCapgemini
Immature capabilities and growing market disruptors are compelling insurers to act swiftly and become fully customer centric. According to the World Insurance Report 2015 less than 30% of customers are having positive customer experiences globally forcing Insurers to reinvent their ability to deliver positive customer experience across the entire customer journey.
Capgemini's ACEs (All Channel Experience) for Insurance is built on Salesforce the leading CRM platform to help insurers improve their core capabilities and enrich customer experiences regardless of customer channel or device preferences.
Find out how Cloud-Enabled Transformation in Insurance from Capgemini and Salesforce is a faster and less disruptive way for insurers to rapidly evolve digital capabilities to achieve customer experiences that leave your customers wanting more!
Short introduction to Lean Startup, where does it come from and what does it mean.
Lean Startup has become very popular in startup scene in the last few years. But how is Lean Startup affecting MBA programs? This presentation was given to MBA students at Cotrugli International Business School Alumni Forum.
How to apply lean startup methodology to your E - Commerce BuzzMonk
This presentation is on Lean Startup Methodology where you will learn about "How to apply Lean Startup Methodology to your E- Commerce. this is based on Lean Startup methods and i suggest you to read Lean Startup book so you will learn more about it.
E-commerce in fashion industry
Apparel & accessories sales in US: Apparel has become an online success - Jeffrey Grau, eMarketer.
Fashion emerges as best-performing segment of ecommerce in UK - IMRG Capgemini e-Retail Sales Index.
Southeast Asia startup investments 2013: It’s all about e-commerce, fashion and women: Mobile commerce, online retail, payments, C2C marketplaces, flash sales.
eCommerce Benchmark for the Fashion Industry:
Where does the traffic come from in fashion? - Direct, Paid, Organic, CPS, CPC, Viral/Social, E-mail newsletter; social and viral media play a much bigger role in fashion.
Conversion ratios in fashion retail.
Platform for your e-store – why Magento?: Shopify, SquareSpace, Tictail, Magento; Bonobos, Nike, Christian Louboutin, MyTheresa.
Magento Enterprise Customer Success Story GANT: High performance and visual inspiration, Full screen experience, Custom campaign modules, Look book, Customized checkout, Flexible landing and content pages, Integration with multiple warehouse and ERP systems, Access rights management across multiple sites/stores, Localized payment and shipping methods;
290% increase in conversion rate, 13% increase in traffic, 35% reduction in page load time, 50% decrease in hosting costs.
Why choose Responsive Web Design?: U.S. Mobile Commerce Activities
Divante for fashion: SOLAR Company Case Study: http://divanteltd.com/blog/complex-e-commerce-implementation-fashion-brand/ .
An Introduction in 10 slides to Digital Customer ExperienceCapgemini
Businesses need to be agile, innovative, social, mobile, totally customer focused and geared to provide a profitable customer promise
CMO’s, COO’s, CIO’s and CFO’s globally are struggling with how to make digital a core part of how they do business and serve their customers profitably
Digital is driving rapid transformations in how organizations interact with other organizations and end customers. It is driving change in how CX is delivered across B2C, B2B and B2B2C
Capgemini DCX enables organizations to deliver a “profitable promise to its customers” based on intelligent insights and optimised processes. By combining deep understanding of the customer context, with a single view of the enterprise, we enable organizations to take real-time decisions and maximize profitability
2013 03-05 competitive advantage of digital transformationMartin Hack
Digital maturity matters
It matters in every industry
And the approaches that digitally mature companies use can be adopted by any company that has the leadership drive to do so
The future is arriving quickly. Take action now to create your own digital advantage
There is a pervasive need for business to modernize the customer experience, act faster, automate processes, mobilize operations and optimize a supply chain. Digital Business Platform is the answer to today’s rising customer expectations and rapid technology innovations
Prosodie-Capgemini, an expert in Front Office applications, is working with Pegasystems, a leader in business
process management, to launch the Customer Interaction Efficiency package, through which companies are able to manage relations with all of their customers in cloud mode with a single integrated, turnkey tool. The objective:
to increase satisfaction, optimise the management of multi-channel interactions, and enhance the work of consultants.
DEFINING THE FUTURE READY ORGANISATION
Shopping is potentially the area of human behaviour that has been most widely changed by digital technology. Today’s shopper expects their experience to be invisibly shaped around them, at any time, at their fingertips. This report explores how.
The Road to Digital Maturity for Investment ManagersKurtosys Systems
Digital maturity is one way of gauging a company's level of success on their road to digital transformation; and there are many factors involved in assessing this. In this white paper we focus on five areas that, from our experience, play a vital role in theroad to digital maturity with investment managers in mind.
To be successful, digital transformation needs to have a clear focus on value. It also needs to be based upon insight and experience.
At CGI, we have a way to help you solve this challenge.
Get in touch at mario.de.luca@cgi.com
Digital Transformation: Re-imagine from the outside Inaccenture
In today’s digital work, business success requires more customer-focused digital transformation. This presentation from Accenture Interactive looks at why and how businesses can act.
Read more: http://www.accenture.com/us-en/Pages/insight-digital-transformation.aspx
A short presentation introducing you to what we do and how we do it, includes our high level proposition and introduction to the senior partners with contact details
Tieto Industrial Experience - Future of B2B customer engagementJaakko Hallavo
A brief slide deck about TIE - Tieto Industrial Experience concept. Describing on a high level Tieto offering for B2B companies to speed up growth and improve efficiency via customer experience management.
Deloitte Cloud Accelerators Salesforce Tour Melbourne Deloitte Australia
Digital disruption is the new norm
As people and things become more connected consumers are driving change across all aspects of business
Those who embrace this change and re-imagine their business around the customer will win the advantage
Deloitte transforms customer journeys better than anyone else, with accelerators to help businesses realise the benefits of cloud technologies faster
Cloud Accelerate
THINK IT, BUILD IT.
Simply designing websites or apps is not enough anymore.Mauro Boffardi
Slides of presentation of Oliver Plas (Intershop), Mauro Boffardi (Accenture Interactive) ad Fran Merino (Fjord).
Learn about what has changed and why will this impact the way you should think about brand, from three industry experts at Fjord, Accenture Interactive and Intershop, as well as speaking to our clients Stadium, Åhlens and Martin & Servera. Attendees will participate to a live survey about the topics at hand, followed by a chance to debate about the experience you would like your customers to have – focusing on the direct and concrete online experience of the brand.
Be inspired by our Klipfolio Partners, big and small, who are changing the game for their clients and taking their businesses to the next level.
From marketing agencies, to business consultants, to business solutions providers, you’re sure to find insights on how real life companies have made data a priority in their everyday making their reporting processes a breeze.
PPT Presentation - Digital Transformation | AuroIN AuroIN
Digital transformation, sometimes referred to as digital transformation, refers to the process for an organization to fully integrate digital technologies into all its activities.
Sales, Marketing & Service Optimization: Strategies for Accelerating GrowthCognizant
Revenue growth requires more than IT cost-cutting and increased efficiencies. Across industries, top-line growth requires a focus on customer relevance and on sales, marketing and service effectiveness.
Explore how Capgemini’s Connected autonomous planning fine-tunes Consumer Products Company’s operations for manufacturing, transport, procurement, and virtually every other aspect of the supply-value network in a touchless, autonomous way.
COVID-19 heightened chronic challenges within the global healthcare industry. It became a catalyst amid fierce competition and tight regulations for health providers and payers to focus on digital health, cybersecurity, patient data transparency, and a variety of customer-centric and operational enhancements. As a result, we found the 2022 trendline pointing to improvements in access and quality of care.
Healthcare challenges such as optimizing the cost of care while simultaneously enabling personalized interventions and consumer-friendly shoppable services are long-standing − but, historically, the industry has been slow to react.
Read our Top Trends 2022 report to examine the lingering ramifications of the pandemic, responses from medical and insurance organizations, and the worldwide impact of ever-changing regulatory standards and mandates.
A combination of factors − the pandemic, catastrophic weather events, evolving policyholder expectations, and insurers’ drive for operational efficiency and future relevance − are sparking P&C industry changes.
In a post-COVID, new-normal environment, the most strategic insurers are building resilient, crisis-proof enterprises poised to take advantage of emerging and future business opportunities. They are leveraging advanced data analytics and novel technologies to assure agility and achieve positive revenue and customer satisfaction outcomes. Competitive advantage will hinge on accelerated digitalization and faster go-to-market. Therefore, win-win partnerships and embedded services with InsurTechs and other ecosystem players are critical.
Read Capgemini’s Top P&C Insurance Trends 2022 for a glimpse at the tactical and strategic initiatives carriers are undertaking to boost customer-centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future-readiness.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
As we slowly move out of the pandemic, financial services firms have learned the criticality of virtual engagement to business resilience. Wealth management firms will need capabilities to cater to new-age clients and deliver new-age services. This report aims to understand and analyze the top trends in the Wealth Management industry this year and beyond.
A year ago, our Top Trends in Wealth Management report emphasized how the pandemic sparked disruption and digital transformation and changing investor attitudes around Environmental, Social, and Corporate Governance (ESG) products. As we begin 2022, many of those trends continue to hold as COVID-19’s wide-reaching effects continue to influence the wealth management industry.
As wealth management (WM) firms supercharge their digital transformation journeys, investments in cybersecurity and human-centered design are becoming critical to building superior digital client experience (CX). Another holdover trend − sustainable investing – is gaining mainstream attention and generating increasingly sophisticated client demands. Data and analytics capabilities will become ever more essential for ESG scoring and personalized customer engagement. As large financial services firms refocus on their wealth management business while new digital players make industry strides, competition is becoming historically intense. Not surprisingly, client experience is the new battleground.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
While COVID-19 has sparked the demand for life insurance, it has also exposed the operating model vulnerabilities in distribution, servicing, and customer retention. In a post-COVID, new-normal environment, insurers need to enhance their capabilities around advanced data management and focus on seamless and secure data sharing to provide superior CX and hyper-personalized offerings. Accelerated digitalization and faster go-to-market are vital to remaining competitive, and win-win partnerships with ecosystems are critical in the journey.
Read our Top Life Insurance Trends 2022 to explore the tactical and strategic initiatives carriers undertake to acquire competencies around customer centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future readiness.
Property & Casualty Insurance Top Trends 2021Capgemini
The Property & Casualty insurance landscape is evolving quickly with the changing risk landscape, entry of new players, and changing customer expectations. The ripple effects of COVID-19 on the P&C insurance industry and natural disasters such as forest fires have adversely impacted insurance firm books.
In this scenario, to ensure growth and future-readiness, the most strategic insurers strive to be ‘Inventive Insurers’ – assuming a customer-centric approach, deploying intelligent processes, practicing business resilience and go-to-market agility, and embracing an open ecosystem.
Read our Property & Casualty Insurance Top Trends 2021 report to explore the strategies insurers are adapting to remain competitive amidst the evolving business landscape and how they can explore new ways to enhance their profitability.
A combination of factors such as demographic changes, evolving consumer preferences, and desire to become operationally efficient were already spurring changes in the life insurance industry. Enter 2020 – the COVID-19 pandemic is having a significant impact on the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry is adapting to the new normal.
Furthermore, COVID-19 has acted as a catalyst, pushing life insurers to prioritize their efforts on improving customer centricity, developing go-to-market agility, making processes intelligent, building business resilience, and embracing the open ecosystem.
Read our Life Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the changing market dynamics.
The uncertainty of 2020 is setting the global tone for the immediate future in the financial services industry. So it is no surprise banks are laser-focused on business resilience, emphasizing both financial and operational risks. The need to adapt quickly to new normal conditions through virtual customer engagement is clear.
Customer centricity continues to drive commercial banks’ solution designs. And, the pandemic compelled products that deliver immediate client value ‒ quick digital onboarding, seamless lending, and support for small and medium-sized enterprises (SMEs). The onus is now on banks to go to market more quickly, which requires the implementation of intelligent processes and integrating corporates’ enterprise resource planning (ERP) systems with banking workflows.
To achieve go-to-market agility, banks across the globe are investing in and collaborating with FinTechs. Many of these partnerships are focused on boosting digital lending and providing seamless support to anxious small-business clients in need of assurance.
With newfound impetus for FinTech collaboration, commercial banks have picked up their step on the path toward OpenX. COVID-19 made it evident that survival during turbulence is manageable through collaboration with ecosystem players.
Read our Top Trends in Commercial Banking 2021 report to explore the strategies banks are adapting to transform their businesses from a product-led, siloed model to an experiential and agile plan.
When we published the Top Trends in Wealth Management 2020, little did we foresee the pandemic that would sweep through the world and disrupt life as we knew it. Yet, when we reviewed last year’s trends, we found that many still hold and some have taken on even greater relevance. One such trend is sustainable investing, which had begun to gain prominence as investors became more aware of ESG considerations, and firms rolled out more sustainable investing offerings. Another trend that has accelerated in the post-COVID world is the importance of investing in omnichannel capabilities and technologies such as artificial intelligence (AI) to enhance personalization and advisor effectiveness. The pandemic has driven wealth management firms to accelerate their digital transformation journey, with some immediate focus areas being interactive client communications and digital advisor tools.
There is no denying that time is of the essence. Yes, budgets are tight, but the Open X ecosystem offers wealth management firms opportunities to reimagine their operating models and deliver excellent customer experience cost-effectively.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal.
Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem.
Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle.
Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.
Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity.
Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.
The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities.
Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.
Similar to other financial services domains, payments is evolving into an open ecosystem. The EU’s Payment Services Directive (PSD2) pioneered open banking by encouraging banks and established payments players to securely open the systems to foster competition, innovation, and more customer choices. In tandem with non-cash transaction growth, regulations are driving banks and payments firms to expand their array of payment methods and channels. Governments are encouraging financial inclusion by also promoting the adoption of non-cash payments. Increasingly, merchants and corporates seek to offer alternative payment systems because of widespread popularity among consumers. Alternative payments also enable merchants to provide real-time and cross-border payments to boost business efficiency.
Banks, payment firms, card firms, BigTechs, FinTechs, and other players are continuously developing new technology to cash in on market changes. However, data breaches and fraud continue to hinder innovation as firms devote countless resources each year to address security issues. Many governments are also designing new regulations to reduce ecosystem threats. All these measures are expected to make the current ecosystem much more secure and simple for players as well as customers.
Top Trends in Payments: 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond
The commercial banking industry faces daunting challenges. Operational costs continue to rise. Corporate clients seek convenience and personalized products and services. Cybersecurity is a major concern as more and more bank processes become digitalized. Compliance with wide-ranging open banking regulations is mandatory. The entry of BigTechs and other players is heating up competitive pressure. Therefore, it is essential for banks to transform and adapt to the changing business environment.
Read our Top Trends in Commercial Banking: 2020 report for analyses of the initiatives, new solutions, and trends expected to shape the commercial banking ecosystem in 2020 and beyond.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Smart TV Buyer Insights Survey 2024 by 91mobiles.pdf91mobiles
91mobiles recently conducted a Smart TV Buyer Insights Survey in which we asked over 3,000 respondents about the TV they own, aspects they look at on a new TV, and their TV buying preferences.
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
"Impact of front-end architecture on development cost", Viktor TurskyiFwdays
I have heard many times that architecture is not important for the front-end. Also, many times I have seen how developers implement features on the front-end just following the standard rules for a framework and think that this is enough to successfully launch the project, and then the project fails. How to prevent this and what approach to choose? I have launched dozens of complex projects and during the talk we will analyze which approaches have worked for me and which have not.
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
Builder.ai Founder Sachin Dev Duggal's Strategic Approach to Create an Innova...Ramesh Iyer
In today's fast-changing business world, Companies that adapt and embrace new ideas often need help to keep up with the competition. However, fostering a culture of innovation takes much work. It takes vision, leadership and willingness to take risks in the right proportion. Sachin Dev Duggal, co-founder of Builder.ai, has perfected the art of this balance, creating a company culture where creativity and growth are nurtured at each stage.
Inspired Experiences with Technology from hybris and Agile Methodology #SAPPHIRENOW
1. Inspired
Customer
Experiences
enabled
with
Hybris
technology
and
Agile
Methods
Fernando
Alvarez
Chief
Digital
Officer,
Corporate
Vice
President
Capgemini
2. Our
research
with
MIT
iden/fies
4
categories
of
companies
DIGITAL
INTENSITY
TRANSFORMATION
MANAGEMENT
INTENSITY
Fashionistas Digital Masters
Beginners Conservatives
2
3. Digitally
mature
companies
significantly
outperform
their
peers
Revenue
GeneraMon
Profitability
Market
ValuaMon
Companies
with
stronger
digital
intensity
(WHAT)
derive
more
revenue
from
their
physical
assets*
Companies
with
stronger
transforma>on
management
intensity
(HOW)
are
more
profitable
Companies
with
stronger
transforma>on
management
intensity
(HOW)
achieve
higher
market
valua>ons
3
4. eCommerce,
as
part
of
Digital
transforma/on
-‐
is
about
changing
the
core
of
how
business
is
done,
star/ng
with
customer
experience
TransformaMve
Digital
Vision
Digital
Governance
IteraMve
TransformaMon
Roadmap
Digital
Engagement
Digital
Technologies
Digital
Enablers
Business
Model
Customer
Experience
People
/
OrganisaMons
Digital
operaMons
4
5. Sector
Experience
Design
Customer
&
Business
Strategy
Data
&
Technology
Marke/ng
&
Engagement
Ac/va/on
InspiraMon
&
Stewardship
Customer
Experience
is
about
inspiring
interac/ons
with
your
organiza/on
and
making
sure
you
take
care
of
your
customers
in
the
most
effec/ve
and
targeted
manner
5
6. Our
Digital
Vision
for
Inspired
Customer
Experiences
! Put
Customer
Experience
at
the
heart
of
your
digital
transforma/on
! Design
Customer
Experience
from
the
outside
in
! Increase
reach
and
customer
engagement,
where
it
maPers,
through
new
digital
channels
! Make
data
and
analyMcs
the
lifeblood
of
your
customer
experience
reinven/on
! Seamlessly
mesh
your
digital
and
physical
experience
in
new
ways
! Keep
on
innovaMng
–
it’s
never
over!
Every
digital
improvement
in
customer
experience
will
open
up
new
possibili/es
6
7. All
B2B
and
B2C
companies
need
to
build
a
world-‐class
eCommerce
business
eCommerce
Experience
and
Strategies
B
to
C
B
to
B
Business
Needs
Market
Dynamics
OrganizaMon’s
Primary
Market
Digital Disruptions
Complexity and
Constant Flux
Staying one step
ahead of the
competition
Digital
Commerce
means a new
way of working
Catching up & opening
new digital channels,
and meeting
expectations of B2C
experience for
B2B buyers
Benefits
Consistent and
seamless user
commerce experience
across multiple
channels, brands,
business models and
geographies
Higher customer
satisfaction leads
to higher value
and repeat sales
7
8. B2C
and
B2B
Successes
of
accelerated
results
with
business
benefits
to
our
clients
Capgemini
helped
accelerate
>me
to
market
with
an
agile
Speed
to
Value
implementa>on
«Satisfy the needs of B2B e-Commerce
customers, whilst applying pioneering
best practices from B2C e-Commerce »
Capgemini
had
helped
transform
the
company
into
a
“Social
Enterprise”
and
deploy
the
solu>on
for
18,000
employees
over
a
9-‐month
period
«Share a new idea every day»
How
to
develop
in
6
months
new
innova4ve
Digital
services
to
transform
the
logis4c
support?
« Digital services to improve
efficiency of logistic support»
Capgemini
helped
perform
in
a
very
compe>>ve
and
innova>ve
Digital
world
«Digital for a better Quality of Service»
Capgemini
helped
speed
up
the
Digital
Transforma>on
through
processes
and
technological
innova>on
«Innovative technology to climb
up the value chain»
How
to
define
a
strategy
of
new
B2C
Services,
Build
the
plaAorm
and
rollout
the
first
3
services
in
less
than
3
months?
« Launch in 3 months a new B2C
platform of services”
Capgemini
assisted
in
united
teams
around
Digital
and
its
poten>al
and
switch
from
a
product-‐based
culture
to
a
customer-‐
oriented
culture
«Internal collaboration, Customer
mindset & Digital roadmap»
8
9. We
are
ready
to
help
with
the
unique
end-‐to-‐end
soluMon
to
support
your
eCommerce
business
9
All-‐channel,
Self-‐service,
Big
data,
and
Payments
PlaZorm
Fast
Vision,
Design
and
Roll-‐out
Unique
and
DelighZul
User
Experiences
E-‐Commerce
plaZorm
11. Odigo
solu/on
provides
a
consistently
excellent
service
across
all
channels
140,000
Agents
3+
Billion
interac/ons
11
12. Speed
to
Value
methodology
accelerates
/me
to
market
while
providing
proven
benefits
to
top
and
boPom
lines
12
1
month
2
months
3
to
6
months
FAST
VISION
FAST
DESIGN
FAST
ROLLOUT
Move
from
Ideas
to
Solu>ons
with
the
Lean
start-‐up
approach
Define
Strategy
based
on
concrete
solu>ons
Accelerate
the
deployment
&
solu>on
adop>on
Commit
to
results
&
output
Reduce
Cost
Increase
Customer
Sa>sfac>on
(NPS)
Reduce
Time
to
Market
13. SAP
+
Hybris
+
Capgemini
strong
alignment
and
deep
knowledge
with
skillful
professionals
around
the
globe
will
bring
innova/on
to
your
company
With
more
than
130,000
people
in
over
40
countries,
Capgemini
is
one
of
the
world's
foremost
providers
of
consul/ng,
technology
and
outsourcing
services.
The
Group
reported
2013
global
revenues
of
EUR
10.1
billion
(more
than
$13
billion
USD).
By combining deep understanding of the customer context with a single view of the
enterprise, Capgemini enable organizations to deliver a “profitable promise to its
customers” based on intelligent insights, innovative technology and optimised processes
" More
than
15,900
SAP
resources
globally
" Prac//oners
have
on
average
8+
yrs
SAP
exp.
" 1
300+
SAP
customers
" More
than
5,000
DCX
consultants
globally
" MIT
partnership
/
thought
leadership
SAP Practice
Digital Customer
Experience
13
14. Capgemini
brings
partners
&
solu/on
ecosystem
to
open
possibili/es
14
PlaWorm
Agile/Lean
collaboraMon
tools
Research
Big
data
ERP
ecommerce
3rd
Party
ecommerce
You
15. Capgemini
is
ready
to
support
you
in
a
Speed
to
Value
crea/on
of
the
world
class
eCommerce
for
real
impact
in
the
market
e2E
eCommerce
Offering
B
to
C
B
to
B
OrganizaMon’s
Primary
Market
Benefits
Capgemini
Value
ProposiMon
Consistent and
seamless user
commerce
experience across
multiple channels,
brands, business
models and
geographies
Higher customer
satisfaction leads
to higher value
and repeat sales
Integrated
customer
engagement e2e
solution with
delightful
customer
experience
Single scalable
platform for
growth and
transformation
with delightful
customer
experience
All-channel,
Self-service,
Big data,
and
Payments
Platform
Fast Vision,
Design and
Roll-out
Unique and
Delightful
User
Experiences
E-Commerce
platform
Capgemini
Offering
15