This document discusses digital disruption in the financial services industry. It notes that technology is changing exponentially while people often think linearly. 88% of strategic plans fail due to a lack of understanding future trends. Several examples are given of companies that have become very large and valuable despite not owning traditional assets, like Uber and Airbnb. The document discusses fintech, peer-to-peer lending, and how established companies like Wells Fargo are dealing with disruption through engagement, embracing change, and evolution. Machine learning, online reputation management, and their importance are also covered briefly.

1. CraigRispinCSP

3. “Craig we’ve seen more
change in the last 3 years
than in the last 30.”

4. Technology Changes
Exponentially
People Think Linearly

6. A.T. Kearney Studied
Why Strategic Plans
Tend to Fail...

7. Strategy Formulation What Goes Wrong?
88%LackofUnderstandingofFutureTrends

8. Did You Know -
That in 2028?
Video & Discussion

10. Discuss with a Partner:
What Did You Find Most
Interesting in the Video?

13. “If change is
happening on
the outside
faster than on
the inside -
the end is in
sight.”
-Jack Welch

14. 146 Startups are
Valued at More Than
$1 Billion

18. Uber - World’s Largest Transport Company,
Owns No Vehicles

20. Airbnb - World’s Largest Accommodation
Provider, Owns No Real Estate

22. 500,000Average # of Nightly Airbnb Stays

23. Facebook - World’s Most Biggest
Media Owner, Creates No Content

24. Alibaba, The Most Valuable
Retailer, Has No Inventory

25. When Will We See
the Uber of
Financial Planning?

27. FinTech Refers to New Solutions
Which Demonstrate a Disruptive
Innovation of Applications, Processes,
Products or Business Models in the
Financial Services Industry

30. FinTech

31. Author: Inga Beale, Chief Executive Officer, Lloyd’s

32. So How Do the World’s
Financial Services - the Engines
of the Global Economy – Deal
with this Disruptive Force?

33. Three words:
Engage. Embrace.
Evolve.

35. Peer-to-Peer
Lending

37. Wells Fargo:
Total average loans of
$885.4 billion,
up 7 percent

38. Lending Club:
Total average loans of
$15 Billion,
up ~ 100%

39. Operating Expense Ratio
Wells Fargo: 5.63%
Lending Club: 1.98%

40. ut new players all the time
Morg

41. Three words:
Engage. Embrace.
Evolve.

49. Machine Learning

65. Online Reputation
Managment
(ORM)

66. Online Reputation Management
Online reputation management is the
understanding or influencing of an individual's
or business's reputation.
It was originally coined as a public relations
term, but advancement in computing, the
internet and social media made it primarily an

67. ORM is Critically
Important for
Professionals Today
and in the Future

68. 80-90% of Customers
Check Online Reviews
Before Purchasing

69. 80-90% of Customers
Believe the Online
Reviews

70. Many Online Reviews
are Negative and Fake

76. 1 Billion Names are
Googled Every Day

77. Google & Yelp

78. We Live in Google’s
World

79. SEO is Dead (or Dying)
Paid Placement &
Social Proof Rules

83. What Did Google Look
Like in 2008?

85. What’s the Worlds’
Most Popular Mobile
App?

86. Google Maps for Mobile
54% of Global Smartphone
Owners Use it Monthly
(Aug 2013)

89. Yelp

90. Sensis Has Gone
All-In on Yelp

93. As of 2012, 45 percent of
Yelp searches are done
from a mobile device

94. But There is Lots of
Controversy Around
Yelp and It’s Power

95. So Let’s Get Started with
Your Personal ORM
Project!

96. Getting Started
- with -
Look great when employers, clients and even dates Google you.

99. BrandYourself empowers anyone to
take control of Google results for
their own name & improve their
online reputation.

100. BrandYourself is the first DIY
online reputation management
tool that takes you through the
process of improving Google
results for your name.

101. TURN THIS INTO THIS

102. By boosting positive links & profiles about you, like:
A PERSONAL
WEBSITE
NEWS
ARTICLES
SOCIAL MEDIA
PROFILES
(And other types of web content!)

103. Not all links are
created equal

104. Submit a positive profile or link about you that you want people to find
when they Google your name in the My Links tab.
Links rank differently in search results for a number of reasons
• How credible the domain/
site it’s associated with
• how recent it was
posted/updated
• Popularity - Views, likes,
shares, comments, etc.
• Keywords - Where does
your name appear & how
many times
!Social media profiles rank well because they
are a credible site about you that can be
constantly updated
News initially ranks well b/c search engines view
them as credible & relevant but may drop in
rankings once no longer relevant

105. DIY TOOL

106. Submit a positive profile or link about you that you want people to find
when they Google your name in the My Links tab.1
Start by submitting one of our top recommended profiles. If you don’t have one of those,
click the “(+) view all” link on the right to see more recommendations
Or paste a link in
the bar and hit
“submit”!

107. If you click “(+) View all” in the previous screenshot, you’ll see the full list
of recommended profiles, if you have one, just click its name to submit it

108. Follow the suggested Boost Steps to help the link rank higher in Google
results for your name2
When you submit a profile or link (we picked LinkedIn here), our software automatically analyzes it and
finds steps you can take to help it rank higher in Google. Click “Boost” to see the ones you should take.

109. You’ll see this overview popup when you click “Boost”. It lists all the steps you can take to
help your LinkedIn. Every step you take will help make the link more search engine friendly

110. Setting my name is my first boost step because my name on LinkedIn is “PeteK179”, which is
a problem. I need to change it to “Pete Kistler” (my full name) so Google knows it’s about me.

111. To do this step, I’ll click the “set your name” link. This will open simple
directions showing me how to change my name correctly on LinkedIn.

112. BrandYourself links to the exact page on LinkedIn where I can set my name. I’ll change my name
to “Pete Kistler”, click save, close this LinkedIn window and then return to BrandYourself.

113. Back on BrandYourself, click “Verify this step” to mark the step as complete.
3

114. Woohoo! This step is complete, and my LinkedIn profile is now more likely to
rank higher when people Google “Pete Kistler”
Earn boost
points with each
completed step -
see how many
you can get!

115. Keep submitting positive profiles/links about you. You can submit up to 3
links as a free BrandYourself user and unlimited links as a premium user.4
IMPORTANT: My LinkedIn won’t immediately rank higher. In can take
Google 2-6 weeks to rerank it among millions of other webpages.

116. Monitor your profile / links’ movement in search rankings &
receive alerts when something changes.5
If you find a link slipping in results or not ranking as high as you would
like, revisit the boost steps for tips to keep it relevant & ranking well.

117. Set up your BrandYourself profile in the profile tab. It’s
optimized to rank well in search results for your name.6
Fill out all areas of your profile completely to give it the BEST chance to
rank well for your name.

118. See when someone visits your BrandYourself profile
6
Know if the hiring manager looked you up after the job interview or put a link to your profile
on your resume and know if your resume has been looked at

119. Digital Disruption
in Financial
Services

120. CraigRispinCSP