10 Lessons for success
1. „Establish a robust project leadership.“
2. „Do only start an IT Mega Project once the bank can stand double the planned budget.“
3. „Build a conservative business case.“
4. „Prepare yourself that your program will not deliver on all objectives.“
5. „Make yourself familiar with your IT Landscape of your project.“
6. „Understand what problems do you want to solve with your mega project.“
7. „Take your time – not PPT, but make use of a test environment of your target IT Landscape.“
8. „First build some prototypes to learn about your core challenges.“
9. „Make yourself fit for the target landscape“
10. „Deconstruct your IT Mega Project in several smaller delivery units, that each create value, build on each other and help to achieve the common objectives.“
Do not repeat know failures
Set unrealistic objectives
Set political objectives
Provide not appropriate time for testing
Assign inexperience program management
Overestimation of one‘s own capabilities
Too much optimism
Believe you are unique
FinTech Forum DACH Keynote Frank SchwabFrank Schwab
FinTech Forum DACH is the first event focused on Germany, Austria and Switzerland, with the mission to identify innovators and disruptors in the Financial Services sector and bring them together with high-calibre investors.
Digital transformation of the German banking industry, January 2017, englishFrank Schwab
Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...
Learn about
* why traditional banks are under pressure
* the complexity of IT landscape of financial institutions
* the attackers of the financial industry
* the role of technology
* an outlook
Digital transformation of the banking industry Frank Schwab
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
FinTech Forum DACH Keynote Frank SchwabFrank Schwab
FinTech Forum DACH is the first event focused on Germany, Austria and Switzerland, with the mission to identify innovators and disruptors in the Financial Services sector and bring them together with high-calibre investors.
Digital transformation of the German banking industry, January 2017, englishFrank Schwab
Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...
Learn about
* why traditional banks are under pressure
* the complexity of IT landscape of financial institutions
* the attackers of the financial industry
* the role of technology
* an outlook
Digital transformation of the banking industry Frank Schwab
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
Here is a slidedeck we use to help immerse clients in what blockchains are beyond just bitcoin and allow them to begin to make connections to their worlds.
We are excited to share with you our thoughts on financial technology ecosystem in 2017 and 2018. Please feel free to reach out to us if you would like a more detailed report.
Hosted by Digital Insurance
The insurance industry is at a tipping point: A next-generation of insurer is disrupting traditional business models by building future-proof business systems that power superior customer experiences and generate new revenue streams.
With the proper application of technology and information, traditional insurers can quickly adapt to changing industry dynamics and win against these next-gen insurers.
This on-demand webinar will explore how to:
Reinvent traditional insurance products and services
Drive customer experience improvements by unlocking more information and using it faster
Mitigate risk and ensure successful modernization efforts
Discover how traditional insurers can win more business by delivering customer-centric underwriting, policy administration, and claims management applications faster than ever.
Szilágyi Péter - Disintermediaton a pénzügyi szektorban. Régi versus új mediá...FinTechAkademia
Mit jelent valójában a disintermediation a pénzügyi szolgáltatások piacán? Mely országokban történt eddig a legjelentősebb változás? Kik az új szereplők, vagy melyek az új szerepek? Mi lett/lesz a hagyományos közvetítőkkel, szereplőkkel? Milyen szerepet játszanak a technológia és a fintech startup-ok a disintermediation folyamatában? Mi várható 5-10 éven belül a disintermediation eredményeként? Ezekre a kérdésekre keresi a válaszokat Szilágyi Péter a CEU docense.
In order to develop a fact-based perspective, The Economist Intelligence Unit (EIU), sponsored by Hewlett Packard Enterprise, has conducted parallel surveys of more than 100 senior bankers and 100 Fintech executives. The objective is to determine their respective views on the impact of Fintech, the strengths and weaknesses of the participants and the likely landscape for the retail banking industry over the next five years.
http://isvinnovation.com/Directory/Description.aspx?EventId=444
Your customers are demanding new ways to accept payments. Do you understand the difference between credit card transactions (including debit and EBT) and ACH transactions? What about check conversion flows and gift vs. loyalty programs? Join us for an overview of the payments industry including a discussion of payment methods, major players, and what you need to know to develop the proper solution for your customer.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
The perspective of Fintech executives.
In June of 2015, The Economist Intelligence Unit (sponsored by HP) conducted in-depth surveys of over 100 global bankers and Fintech executives on the future of retail banking. This is what we found.
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
Fidor TecS enables disruptive banking
Fidor combines a full banking license with its own technology: a strong focus on APIs ensures meeting the demands of the 21st century digital consumer globally and profitably. Fidor serves in a unique way the digitalized banking world to “make this bank your bank” through its open banking APIs.
Be a part of reshaping the post-crisis banking industry through cutting edge technology instead of doing the minimum to be compliant. Educate and integrate your customer through your own community of loyal customers instead of preying on financial illiteracy. The Fidor Operating System fidorOS allows you to do just that - and much more.
fidorOS is designed to work seamlessly with existing core banking system. It not only provides all the basic banking functionalities but it also is expandable, thanks to its modular design.
It also bridges traditional banking products like account, payments, deposits, loans with new banking products like P2P lending, crowd lending, social trading, virtual currencies and Ripple.
A completely new technology that is not tied to any legacy code. Flexible enough to be used on nearly any core banking system and powerful enough to be used by banks as white label.
Financial Technology: Insights into an Exploding IndustryCory Brooks
Financial Technology will dramatically change your life; it may have already. This powerpoint gives the market overview FinTech as well as sector overviews concerning digital payments, online lending, and InsurTech.
Here is a slidedeck we use to help immerse clients in what blockchains are beyond just bitcoin and allow them to begin to make connections to their worlds.
We are excited to share with you our thoughts on financial technology ecosystem in 2017 and 2018. Please feel free to reach out to us if you would like a more detailed report.
Hosted by Digital Insurance
The insurance industry is at a tipping point: A next-generation of insurer is disrupting traditional business models by building future-proof business systems that power superior customer experiences and generate new revenue streams.
With the proper application of technology and information, traditional insurers can quickly adapt to changing industry dynamics and win against these next-gen insurers.
This on-demand webinar will explore how to:
Reinvent traditional insurance products and services
Drive customer experience improvements by unlocking more information and using it faster
Mitigate risk and ensure successful modernization efforts
Discover how traditional insurers can win more business by delivering customer-centric underwriting, policy administration, and claims management applications faster than ever.
Szilágyi Péter - Disintermediaton a pénzügyi szektorban. Régi versus új mediá...FinTechAkademia
Mit jelent valójában a disintermediation a pénzügyi szolgáltatások piacán? Mely országokban történt eddig a legjelentősebb változás? Kik az új szereplők, vagy melyek az új szerepek? Mi lett/lesz a hagyományos közvetítőkkel, szereplőkkel? Milyen szerepet játszanak a technológia és a fintech startup-ok a disintermediation folyamatában? Mi várható 5-10 éven belül a disintermediation eredményeként? Ezekre a kérdésekre keresi a válaszokat Szilágyi Péter a CEU docense.
In order to develop a fact-based perspective, The Economist Intelligence Unit (EIU), sponsored by Hewlett Packard Enterprise, has conducted parallel surveys of more than 100 senior bankers and 100 Fintech executives. The objective is to determine their respective views on the impact of Fintech, the strengths and weaknesses of the participants and the likely landscape for the retail banking industry over the next five years.
http://isvinnovation.com/Directory/Description.aspx?EventId=444
Your customers are demanding new ways to accept payments. Do you understand the difference between credit card transactions (including debit and EBT) and ACH transactions? What about check conversion flows and gift vs. loyalty programs? Join us for an overview of the payments industry including a discussion of payment methods, major players, and what you need to know to develop the proper solution for your customer.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
The perspective of Fintech executives.
In June of 2015, The Economist Intelligence Unit (sponsored by HP) conducted in-depth surveys of over 100 global bankers and Fintech executives on the future of retail banking. This is what we found.
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
Fidor TecS enables disruptive banking
Fidor combines a full banking license with its own technology: a strong focus on APIs ensures meeting the demands of the 21st century digital consumer globally and profitably. Fidor serves in a unique way the digitalized banking world to “make this bank your bank” through its open banking APIs.
Be a part of reshaping the post-crisis banking industry through cutting edge technology instead of doing the minimum to be compliant. Educate and integrate your customer through your own community of loyal customers instead of preying on financial illiteracy. The Fidor Operating System fidorOS allows you to do just that - and much more.
fidorOS is designed to work seamlessly with existing core banking system. It not only provides all the basic banking functionalities but it also is expandable, thanks to its modular design.
It also bridges traditional banking products like account, payments, deposits, loans with new banking products like P2P lending, crowd lending, social trading, virtual currencies and Ripple.
A completely new technology that is not tied to any legacy code. Flexible enough to be used on nearly any core banking system and powerful enough to be used by banks as white label.
Financial Technology: Insights into an Exploding IndustryCory Brooks
Financial Technology will dramatically change your life; it may have already. This powerpoint gives the market overview FinTech as well as sector overviews concerning digital payments, online lending, and InsurTech.
The following resources come from the 2009/10 BSc in Internet Technology and E-Commerce (course number 2ELE0076) from the University of Hertfordshire. All the mini projects are designed as level two modules of the undergraduate programmes.
The objectives of this module are to examine the structure of shopping cart on e-Commerce websites and understand various usage of shopping cart:
• Identifying successful usage of shopping cart on e-Commerce websites
• Identifying different types of programming languages used for creating shopping cart
• Analysing different structures of shopping cart
• Using one of the chosen language to create a shopping cart for an online book store website.
This project requires examination of several famous e-Commerce websites and their individual usage of shopping cart. Students are required not only understand the successful examples on shopping cart usage, but also create their own shopping cart for an e-Commerce website.
CommerzVentures' white paper on InsuranceTechCommerzVentures
This research paper by CommerzVentures explores the five technologies that are going to transform the $4tn insurance industry: connected devices, artificial intelligence, drones, blockchain and new payment systems.
The slides focus on Introduction to Project Management in Information Technology. It will be very useful to newbies in Project Management. The slides were prepared and used by a University Lecture for some of his students. The contents of the slides are easy to understand and are self-explanatory.
A sample of all our ECM offerings used to elevate your understanding about Enterprise Content Management, in a vendor-neutral way! Authored by Byron Aulick.
Financial technology, or FinTech, has been using technology to disrupt the financial services, payments, and banking industries. Fintech investment are on the rise - Q4 of 2014 was the busiest quarter of the last 5 years in fintech. $3.1 billion was invested into the fintech sector in Q4 of 2014.
Chicago is home to financial technology powerhouses and startups alike. On April 8th, we'll hear from Chicago companies using cloud technology to disrupt, react and innovate.
CloudCamp features short lightning talks, an "unpanel" with audience participation and questions, and small breakout clusters around beers and pizza.
Theme: "FinTech"
These full slides from the April 8th event include:
"Selling to the Sell-Side" - Sam Perl, Founding Partner at Fundology
"Cloud Culture Shock in Financial Services" - Susan Emery, Director of Product Management at Viewpointe @semery_vp
"Put away the credit card, a look at alternative payment methods" - John Downey, Security Lead at Braintree @jtdowney
"Micro-services and how they apply to FinTech" - Eero Pikat, President at BarChart @eeropikat
"What Financial Cloud Should Be" - Patrick Kerpan, CEO at Cohesive Networks @pjktech
Making the business case for your intranetSam Marshall
How to make a winning business case for your intranet.
Slides from a workshop given for Ark Group. If you'd like a similar in-house session or help on this topic please contact sam@clearboxconsulting.co.uk
* What a business case looks like
* Understanding who you're trying to influence
* The benefits of an intranet
* Assessing options, priorities and costs
* Identifying risks
* ROI and why it can be a red herring
* Representing intangible benefits
* The case for re-launches or intranet consolidation
A 'lite' version of a workshop for promoting out of the box thinking about the establishment of a new international private bank hub / network including a design we did for another client.
Learn how IBM Storage and Software Defined Infrastructure help leading financial services institutions meet the challenges of:
- Engagement
- Agility
- Risk and Compliance
...and how our offerings enable the companies to maintain leadership today and in the future.
8+2 quick cryptocurrency predictions for 2030 Frank Schwab
8+2 quick cryptocurrency predictions for 2030
#1 Bitcoin is digital gold
#2 Blockchain platforms such as Ethereum, EOS and NEM set standards for programmable money, tokenization and the digitization of assets
#3 The digital yuan is leading the way and more central bank digital currencies are coming
#4 Ripple is an alternative to SWIFT with digital central bank money or XRP in its belly
#5 Litecoin is established as digital silver
#6 DASH occupies a niche in South America as a digital currency
#7 IOTA is the IoT platform for M2M payment transactions and data
#8 Facebook's Diem has a significant market share in global payments
#8+1 There are new tokens that are up more than 10,000 percent
#8+2 DeFi and other blockchain related concepts are established
What's next next in payments? Futurism Forum, Frank SchwabFrank Schwab
„What’s next next in payments?“
What happened so far?
The profession of cashier in banks has disappeared
Credit cards
Decline of cash & cheques
What is happening right now?
Smartphone & social media age
mPesa / Safaricom
What’s next?
GAFA payments
M2M payments
What’s next next?
Money becomes programmable
Blockchain and crypto currencies
The machine age has already begun. Traditional payment systems were built for people, not machines. IOTA is a promising platform for efficient M2M payments and the machine age. There are several interesting IOTA ecosystem projects and rapidly growing patent applications. The crypto currency IOTA is still a very risky investment, but with great potential. The IOTA Foundation should focus on projects and activities that keep an eye on the growth of M2M / IoT payments and volumes.
Bitcoin - Gold of the Future - Update July 2020Frank Schwab
Since peaking at just under $ 20,000 on December 17, 2017, Bitcoin has lost more than three-quarters of its value. In January 2019, the price was a little over USD 3,000. And in July 2020, it already recovered to USD 11,000. Bitcoin is far from being a payment system, but much more a digital asset. Therefore, a comparison between Bitcoin and gold is worthwhile to take a look into the future.
Bitcoin vs Gold : Facts & Figures
FinTech Startup Investor Pitch - FinTech Forum Think tankFrank Schwab
In the past 7 years we have seen over 3,500 pitches and given a lot of feedback. More than 350 FinTech startups presented their business models in 7 minutes each.
From this we developed a template. We recommend that all founders cover at least the following eight topics in their presentation.
1. Elevator pitch: the ability to explain the service clearly in 60 seconds
2. The customer: value and benefit
3. The market potential
4. How do you stay ahead of the competition?
5. Marketing and sales approach
6. The core team
7. Key figures, KPIs & finance
8. Roadmap & current status
8 factors why crypto currencies are here to stayFrank Schwab
User numbers and investments in cryptocurrencies and blockchain projects are increasing. In the Swiss crypto valley, 800 companies with 4,000 employees are working on the digitalization of assets. The regulators are also taking up the issue. In the digital age, cryptocurrencies are the next logical stage in the development of money.
Zum zugehörigen Artikel in deutsch: https://www.it-finanzmagazin.de/8-faktoren-kryptowaehrungen-zukunft-100524/
11 myths of creativity - Frank Schwab January 2020Frank Schwab
Myth 1 Creativity always comes from an epiphany
Myth 2 There is always a clear path to creativity
Myth 3 Creativity is the result of the lone innovator
Myth 4 Creativity always results in greatness
Myth 5 Time pressure fuels creativity
Myth 6 I am not creative
Myth 7 Money is a creativity motivator
Myth 8 Fear forces breakthroughs
Myth 9 Competition beats collaboration
Myth 10 Creativity is a waste of time
Myth 11 Creativity is not for people with serious careers
Six Thinking Hats by Edward de Bono is a technique that allows to systematically take up different positions toward a problem and by that act out various approaches. Each „hat“ symbolizes a certain attitude:
White hat: pure facts about the situation
Red hat: your feelings about the experience
Black hat: critique
Yellow hat: right and constructive aspects
Green: creative thinking
Blue hat: summary - the learning gained and the conclusions reached
The hats can be put on arbitrarily and thereby alter the particular way of thinking. Thus many more ideas are generated by way of adopting different positions. The method can be deployed by only one person or within a group.
The Future of Money, Frank Schwab, 2019Frank Schwab
Bitcoin, Blockchain & Co: The future of money in the digital age
A short history of money
Digital money
Bitcoin: hype or digital gold?
The potential of cryptocurrencies
Blockchain and Smart Contracts: First Applications
Money becomes programmable
The 3+1 essential competences of FinTech startupsFrank Schwab
In August 2013, Samarth Shekhar had the idea for the FinTech Forum, which we then implemented together within a few days. Since then, we have identified and analyzed more than 800 FinTechs from German-speaking countries. As part of 17 “FinTech Forum” and “FinTech Forum on Tour” events, we got to know 270 startups and founders and over 100 investors in person. More than 200 FinTech startups have already disappeared from the scene.
The question then arises, what sets successful fintech startups apart from those who have to give up?
From my point of view, there are three important key competences that are needed by FinTech Startups and their founders:
1. Build great, customer-oriented products
2. Be strong in business development
3. Be skilled in dealing with investors
plus
4. Have profitability firmly in focus
With many FinTech examples.
Interface: From functional interfaces to machine communication
Services: From application silos to machine learning and AI
IP: From self developed to open source to open services
Data: From flat files to blockchain
Infrastructure: From high variety infrastructures to edge computing
Organisation: From hierarchical IT organizations to distributed agil self organized communities
The future is already here, just distributed unevenly - demonstrated by many real life observations in Banking IT
Richmond Financial Industry Forum
Crypto currencies - 8 investment rules Frank Schwab
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors may consider to integrate crypto currencies into their portfolio. The presentation provides my 8 rules for crypto currency investments.
#1 Check background of people behind
#2 Review GitHub and development activities
#3 Test available tools like wallets, apps, UX, …
#4 Learn about the crypto currency exchanges supported
#5 Understand fundamentals and technical analysis
#6 Verify underlying business model
#7 Figure out the potential of the coin
#8 Think about the sales strategy
Is Bitcoin the gold of the future?
Currently, the Bitcoin is located in the Gartner valley of disappointment. Already the fourth time! A good time for an analysis.
Since peaking at just under USD 20,000 on December 17, 2017, Bitcoin has lost a good two-thirds of its value. And according to Google Trends even more than 80% interest. In terms of Gartner terminology: the Bitcoin is currently in the Valley of Disappointment. More precisely, currently the fourth time, after June 2011, April 2013 and December 2013.
A good time to look into it.
APIs - the oil pumps of the 21st centuryFrank Schwab
APIs pump data. And at traditional banks from the depths of their IT landscapes. APIs make the Internet machine-readable and often form the basis of successful e-commerce business models.
Twitter, Netflix, Google, Facebook and eBay are members of the club of API billionaires. From their partners and customers all of them have more than 1 billion API calls daily. That is the way they are significantly increasing advertising and sales reach - completely automated.
More here:
https://www.linkedin.com/post/edit/apis-oil-pumps-21st-century-frank-schwab
Digital Transformation in Investment Consulting Fund Professional Congress 20...Frank Schwab
FinTech is a major development driver in the banking industry and will be indispensable for the implementation of financial transactions in the near future. For financial advisors, the question arises as to how digital products and FinTech affect their work.
Financial services (Fin) and technology (Tech) have always been closely linked. So it is not surprising that digitization in the past has been driven by banks, asset managers and insurance companies. More than 700 FinTechs in German-speaking countries are accelerating this development.
But how do digital products and FinTech affect the work of financial advisers? Do the associated technologies only change the rules of the game, or are new bases for financial advice created? And what stumbling blocks are there on the way from the classic system to the digital one?
In a presentation at the Professional Profession Congress 2018 in Mannheim on January 24, 2018, Frank Schwab, co-founder of the Frankfurt FinTech Forum and digitization pioneer, explains which changes and challenges are foreseeable in the future. In addition, the expert provides information on how to tap the new potential with the right know-how.
At the present time, it can be stated that investment advice is in a transitional stage. Nevertheless, the "digital transformation" in the consulting industry raises many questions. How will the tasks and working methods of financial advisors change? And to what extent will customer expectations change? In short, what do today's consultants have to expect to be prepared for the business of tomorrow?
In his presentation, Frank Schwab discusses these and other existential questions for the future of financial advisers as to why consultants should know about STP, API, AI, P2P, Robots, Crypto, Blockchain and other developments. Learn about Nicola Pragera and digital assets, John Naisbitt and Mega Trends, Mobile Pay and Danske Bank, KWITT and Sparkassen, Crypto, Bitcoin and Factor 70, ICOs and Neufund, Rob Advisory and niiio, Mobile and savedroid, kapilendo, smava, bitcoin.de, goldmoney and Fidor Bank, new KPIs, diffusion of innovation and the future.
Crypto currencies - an investor's perspective Frank Schwab
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors should consider to integrate crypto currencies into their portfolio.
The presentation also provides 8 rules for crypto currency investments.
Crypto Currency Conference, Odessa, Ukraine
See the presentation on YouTube:
https://www.youtube.com/watch?v=dqpdmGnYXbA&t=51s&index=1&list=PLxXkZsSpEl41Cht5ZwDxLy5-2PL-AVcZD
Frank@FrankSchwabSpeaks.com
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
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Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
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Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
4. Source: Letters of Plinius the Younger
Pliny to the Emperor Trajan: “The citizens of Nicomedia, Sir, have spent
3,318,000 sesterces, on an aqueduct, which they abandoned before it was
finished and finally demolished.”
5. Pienza, Italy
„You did well, Bernardo, in lying to us about the expense ...“
Pope Pius II to Bernardo (Architect), 1462
6. Frauenkirche Dresden
Planned: 88.000 Taler (1726)
Actual: 288.000 Taler (1743)
Change of scope
Stone instead of wood/copper
Consequence:
High maintenance costs
11. Frank Gehry‘s Success factors
Digital models
Realistic
cost estimation
Tight collaboration
with crafts
Organisation of the
artists
On time
on budget
14. Example: financial project risks
Cost increase
Rail IT Olympic Games
Source: Bent Flyvbjerg and Alexander Budzier 2013, Oxford University
45 % 107 % 219 %
Occurance 9 of 10 5 of 10 10 of 10
Benefits -51 % -29 % n/a
15.
16.
17. Source: Bent Flyvbjerg and Alexander Budzier 2013, Oxford University
6 % 18 % 6%
Example: financial project risks
Cost increase
Rail IT Olympic Games
45 % 107 % 219 %
Occurance 9 of 10 5 of 10 10 of 10
Benefits -51 % -29 % n/a
18. Prof. Bent Flyvbjerg, Oxford
“The most project
managers are
either idiots or
liars. "
Source: Spiegel Online, 10th January 2013
25. Magellan
High Performance CBS Platform
Deutsche Bank
SAP BS 8.0 and Intel GRID
1,3 Billion Euro Program
Project start: January 2010
First modules Q2/2012
Planning 2005 to 2010
32. Integration of 1,400 IT Applications within 1.000 Days
Target landscape Several releases
Migration
Tests
Governance
Migration in 2 steps
1) Customer data first
2) Product- and balances by Big Bang
¨ High test efforts
¨ Multiple test environments
¨ End-to-end tests of critical systens
¨ Strong IT/Business Team
¨ Permanent adaptation of project
management
¨ Transparent decisions
Source: Frank Annuscheit, Group COO Commerzbank, Finance Forum, Wiesbaden, 2011
33. Quelle: Frank Annuscheit, Group COO Commerzbank, Finance Forum, Wiesbaden, 2011
Success factors
Strong senior management involvement
High transparency for all employees and project stakeholders
Fast and transparent decisions
Decoupling & equalization
Central management & decentral implementation
Inform & listen
37. High failure rates in core banking system transformations
Program abortedTransformation
successful
25 %25 %
50 %
Transformation delivered,
but costs and time doubled
43. Credit Banking Customer/Sales Investment Risk Shared services
Access channels
Clearing &
Settlement
Governance & Control
Treasury Corporate
IT landscape of a typical retail bank – functional view
Cooperation Mobile BranchInternet Call Centre Self service Service Centre
Workflow / Order processing Order distribution
Product
Price
Account
Contract
Transaction
Market data
Price
Order
Product
Contract
Position
Insurance
Portfolio
Brokerage
Product
Price
Decision
Contract
Collaterals
Recovery
Position
Clearing Booking
Payments
Booking Settlement Corporate Actions
Securities
Market
Liquidity
Credit
Counterpart
Trading
MIS
HR
Intranet
Security
Output
Documents
Archiving
Identity
General ledger Financial Analysis
Financial Reporting
AML
Legal reporting
Compliance
MIS
Risk
Customer
Sales
Contact
Provision
Central Products
Reporting / MIS
Complaints
Advisory
Service
Tax
Central Price
CRM
Rich functionality
44. IBM Mainframe
Sun Server
Intel blade
Tandem
Thin clients
Fat clients
AIX Server Server Farm
Every technology
of every decade
46. Example Workflow
NOS öffnen ► Kunde suchen
NOS-Übersicht ► Partner / Adressen ► Anzeigen / Ändern ► Bestätigung ►
Änderung der Telefonnummer? ► bestätigen / Ändern ► Ausdruck bestätigen ►zurück
zur Übersicht
NOS-Übersicht ► Produkt / Ändern ► Einlagen / Termingeldprolongation ►
Daten ändern ► bestätigen ► zurück zur Übersicht
Einmeldung in KIM ► Starten von KIM ► Anmeldung ► Kunden suchen ► neuen
Eintrag wählen ► Daten einpflegen ► Abschluss anlegen ► Daten eingeben ►
bestätigen ► zurück zur Übersicht
¨ Customer approaches service desk
¨ Customer informs the bank about address change
¨ Advisor notifies a due “time deposit” in the customer’s portfolio
37 Clicks
54. “AIB is post-crash bank with pre-crash cost structure.
The bailed-out lender's loan losses
have shrunk since the crash, but it's operating
costs have risen.”
31 March 2013
55. Merger of three banks in 2002:
Dai-ichi Kangyo Bank
Fuji Bank
Industrial Bank of Japan
Technical integration in April
Breakdown of money supply
Loss of 1.8 Billiion Yen
6 month to recovery
Mizuho Bank, Japan
97. Credit Banking Customer/Sales Investment Risk Shared services
Access channels
Clearing &
Settlement
Governance & Control
Treasury Corporate
IT landscape of a typical retail bank – functional view
Cooperation Mobile BranchInternet Call Centre Self service Service Centre
Workflow / Order processing Order distribution
Product
Price
Account
Contract
Transaction
Market data
Price
Order
Product
Contract
Position
Insurance
Portfolio
Brokerage
Product
Price
Decision
Contract
Collaterals
Recovery
Position
Payments
Clearing Booking Booking Settlement Corporate Actions
Securities
Market
Liquidity
Credit
Counterpart
Trading
MIS
HR
Intranet
Security
Output
Documents
Archiving
Identity
General ledger Financial Analysis
Financial Reporting
AML
Legal reporting
Compliance
MIS
Risk
Customer
Sales
Contact
Provision
Central Products
Reporting / MIS
Complaints
Advisory
Service
Tax
Central Price
CRM
Functionality GAPs
98. CBS share of Total IT Landscape
CBS
Minimum = 10 %
Maximum = 100%
Average = 61 %
Standard deviation = 23
CRM
Mobile
Call Center
Branch
Securities
Finance
Reporting
Settlement
Internet
102. Complications
¨ Low knowledge of standard software
¨ In standard software implemented processes
¨ New implementation approach
¨ Adopt
¨ Parametrisation
¨ New partner
119. „Deconstruct your IT Mega
Project in several smaller delivery
units, that each create value,
build on each other and help to
achieve the common objectives. “
Lesson 10
122. Scope ¨ Private Banking
¨ Roll out in 3 countries
¨ 18 months implementation time
¨ Accounts, Deposits, Payments, Securities
Challenges ¨ Data migration concerning existing silos of
redundant and inconsistent data
¨ Ensure employees continued cooperation
within the program
¨ Ensure a smooth and complete knowledge
transfer
¨ Different tax issues and client reporting
requirements of migrated countries
Description
Objectives ¨ Increase operational efficiency and maximize
synergies within the group
¨ Migrate all countries to the same common system
¨ Improvement of CRM, risk management, and
compliance
¨ Reduction of complex interfaces and decrease the
number of technical and platform skills required
Best Practice Patterns
Background ¨ Private & Corporate Banking
¨ 34 branches in 26 countries
¨ CHF 110 billion assets
Temenos T24 at Schroders, Switzerland
Big Bang Approach
Established Change
Management
Prepared Business
Processes
Shared Strategy
Open Communication
concerning Job Cuts
Real Partnership
Be the Reference
Bank
123. Shared Strategy
New Operating
Model
Executive buy-in
Measurable
Benefits
Phased
Implementation
Established Change
Management
Real Partnership
Strong
Governance
Be On-SiteQuality People
Minimum
Customization
Prepared Business
Processes
EXAMPLE – Bank specific best practice framework
Pre-Design Design Implementation
126. 10 Lessons
1. „Establish a robust project leadership.“
2. „Do only start an IT Mega Project once the bank can stand
double the planned budget.“
3. „Build a conservative business case.“
4. „Prepare yourself that your program will not deliver on all
objectives.“
5. „Make yourself familiar with your IT Landscape of your project.“
127. 10 Lessons
6. „Understand what problems do you want to solve with your
mega project.“
7. „Take your time – not PPT, but make use of a test environment
of your target IT Landscape.“
8. „First build some prototypes to learn about your core challenges.“
9. „Make yourself fit for the target landscape“
10. „Deconstruct your IT Mega Project in several smaller delivery
units, that each create value, build on each other and help to
achieve the common objectives. “
128. Do not repeat know failures
Set unrealistic objectivesSTOP
Set political objectivesSTOP
Provide not appropriate time for testingSTOP
STOP Assign inexperience program management
130. Shared Strategy
New Operating
Model
Executive buy-in
Measurable
Benefits
Phased
Implementation
Established Change
Management
Real Partnership
Strong
Governance
Be On-SiteQuality People
Minimum
Customization
Prepared Business
Processes
EXAMPLE – Bank specific best practice framework
Pre-Design Design Implementation