The mobile channel is increasingly important to retail financial services firms. This is driven by a variety of factors, including the widespread adoption of smartphones, more powerful phone operating systems and,
crucially, the rise of Millennial customers.
In our February 2016 survey of online investors, 71% of Millennials indicated that they had logged into their
brokerage account using a mobile device in the past 12 months, compared to 44% of Baby Boomers. Further,
51% of Millennials said that their brokerage firm’s mobile capabilities were “very important” or “extremely
important” to them, versus 23% of Baby Boomers. Our recent surveys of retirement plan participants and bank
customers show similar generational differences. Collectively, these surveys suggest mobile will increasingly define the digital experience for financial services as Millennials become the industry’s core customer base.
To accommodate changing customer demographics and the growing significance of the mobile experience, we expect financial services firms to continue to enhance their apps this year. Developments may include 3D Touch and leveraging such cutting edge capabilities as artificial intelligence (AI), voice technology and expanded biometric authentication techniques. Some will likely introduce more personalized content and offer easier access to key account information (e.g., pre-login), making it simpler for clients to interact with them. In this annual mobile trends
review, we explore these and other trends and innovations that are likely to shape the mobile experience this year and beyond.
Covering the top mobile trends and forecasts for 2014, the presentation includes information and recommendations on the top 12 trends for this year: including mobile payments, enterprise apps, beacons for in-store customer engagement and the issues surrounding privacy amongst others.
Monetization - The Right Business Model for Your Digital AssetsApigee | Google Cloud
As enterprises build and grow their mobile value chain with app, data and API technologies, digital assets become not only a competitive advantage, but also a source of revenue.
Join Anita Paul and Bryan Kirschner as they discuss the opportunities for value creation presented by APIs and data, share monetization models that apply to any industry, and explain how Apigee Monetization Services can help you deliver on the right business model for your digital assets.
We will discuss:
- The business context in the new digital world
- Business use cases and revenue opportunities
- How Apigee Monetization Services changes the game
Mobile Business Applications can be devloped on a low budget and its value to business is increasing every day.
Best Business Apps is the lading mobile application developer in Australia.
Contact us now on 1300 655 517.
Future Of Advertising Webinar Full DeckTroy Centazzo
The Program – New Media specialist Troy Centazzo reviewed the rapid trends in marketing and provided strategic insights into where marketers and investors should be focusing their attention. Attended by hundreds of media industry investors, companies, strategic firms, analysts, and others.
Putting the Experience in Digital Customer ExperienceCognizant
As the digital revolution has gained momentum, it has become widely understood that the “digital customer experience” is the key to engage with, delight and monetize customers in the modern world. However, only a miniscule number of companies believe their customers’ current digital experience qualifies as “excellent,” our primary research reveals.
Mastering Code Halos Using Digital Insights to Drive Customer ExperiencesCognizant
Innovators recognize that every interaction with every
person and every thing now creates a trail of data — and
they’ve mastered the ability to harness it. Every click, browse,
download, share, transaction and device transmission
enables them to understand, and subsequently monetize,
relationships in ways never before possible.
Covering the top mobile trends and forecasts for 2014, the presentation includes information and recommendations on the top 12 trends for this year: including mobile payments, enterprise apps, beacons for in-store customer engagement and the issues surrounding privacy amongst others.
Monetization - The Right Business Model for Your Digital AssetsApigee | Google Cloud
As enterprises build and grow their mobile value chain with app, data and API technologies, digital assets become not only a competitive advantage, but also a source of revenue.
Join Anita Paul and Bryan Kirschner as they discuss the opportunities for value creation presented by APIs and data, share monetization models that apply to any industry, and explain how Apigee Monetization Services can help you deliver on the right business model for your digital assets.
We will discuss:
- The business context in the new digital world
- Business use cases and revenue opportunities
- How Apigee Monetization Services changes the game
Mobile Business Applications can be devloped on a low budget and its value to business is increasing every day.
Best Business Apps is the lading mobile application developer in Australia.
Contact us now on 1300 655 517.
Future Of Advertising Webinar Full DeckTroy Centazzo
The Program – New Media specialist Troy Centazzo reviewed the rapid trends in marketing and provided strategic insights into where marketers and investors should be focusing their attention. Attended by hundreds of media industry investors, companies, strategic firms, analysts, and others.
Putting the Experience in Digital Customer ExperienceCognizant
As the digital revolution has gained momentum, it has become widely understood that the “digital customer experience” is the key to engage with, delight and monetize customers in the modern world. However, only a miniscule number of companies believe their customers’ current digital experience qualifies as “excellent,” our primary research reveals.
Mastering Code Halos Using Digital Insights to Drive Customer ExperiencesCognizant
Innovators recognize that every interaction with every
person and every thing now creates a trail of data — and
they’ve mastered the ability to harness it. Every click, browse,
download, share, transaction and device transmission
enables them to understand, and subsequently monetize,
relationships in ways never before possible.
Probably you have heard about some cases where chatbots failed miserably in delivering any actual business benefit. Our experience cooperating with the biggest companies in the world like Elisa, Veon, and Swedbank has taught us some interesting aspects we are about to share in this presentation
Originally published at https://mindtitan.com/resources/guides/chatbot/benefits-of-chatbots/
The Accenture Fjord Trend Report features what we believe to be the most significant technology and business developments emerging and how they will impact our lives.
Our Trends Report is the result of months of research, discussions, and debate, pooling the collective experience at Fjord and Accenture Interactive and distilled into ten core ideas.
Visit trends.fjordnet.com and follow the conversation at #FjordTrends.
Enjoy!
APAC's Digital Insurance Transformers: Illuminating the Way ForwardCognizant
Our research shows that insurers throughout the extremely diverse APAC region are placing their bets on digital transformation strategies to enhance customer experience and optimize operations. We take a deep-dive look into the particulars of what is currently happening and what lies ahead for the Asia-Pacific insurance industry's digital evolution.
Explore the trends that will shape the state of retail tech in 2021 and what could be coming next. Take a deep dive into global retail tech investment trends, top initiatives, and more.
Fjord Trends 2020: Emerging Trends in Business | Accentureaccenture
Accenture's Fjord Trends 2020 provides insight on business trends impacting business, tech & design to help brands thrive in a changing world. Read more.
Digital thinking to transform face-to-face insurance in Asia by Hugh TerryThe Digital Insurer
These are the slides presented by The Digital Insurer at the Insurancecom conference in HK at the Ritz Carlton on 2nd December 2014.
The theme of the conference was profitable strategies for growth in 2015 and this presentation focuses on the opportunity to use digital thinking and trends to create Agency 2.0 and Banca 2.0 models
How Digital Is Becoming A Mobile First ExperienceYuan Wang
We present the latest 2016 mobile marketing statistics and insights, showing increasing consumer adoption and changing behaviour around how people use mobile. We explore various options for using mobile in your marketing such as advertising, apps and campaigns. We summarise the factors influencing how a mobile experience differs from others. We revisit the App vs responsive website debate and propose a new approach. We provide tips on managing your own mobile presence – dos and don’ts, as well as case studies of excellent brand mobile marketing – advertising vs app, larger budget vs smaller budget.
Our lives have been indisputably influenced by mobile technology over the past 10 years and have created many fast-growing industries along with it. We use these devices everywhere at any point in time. Gaining critical mass doesn't mean though that we use these devices in a same way around the world. Albeit standardised to a large extent, user behaviour still significantly depends on who and where you are.
Discussed Usage Trends 2015 cover:
- Race for Engagement
- Seamless FinTech Solutions
- Uber: Uberization of Everything
- Smart Commerce
- Swiss Army Knife: Functional Integration of Extension Hardware
- Anyscreen Anywhere
This presentation was held at Global Mobile App Summit & Awards in Chennai, India. Feel free to comment and discuss this topic with me on twitter @ricowyder.
New Report by Jessica Groopman
The digitalization of our physical world—what many are now calling the ‘Internet of
Things’—is challenging our expectations of privacy.
Adding sensors to ourselves, and to the objects and places around us, renders our
physical world communicable, contextual, and trackable. The full implications of
ubiquitous connectivity remain blurry, but Altimeter Group’s survey of 2,062 American
consumers makes one point crystal clear: Consumers are decidedly anxious about
how companies use and share data from their connected devices. Our research finds
a massive gulf between consumer awareness and industry practices when it comes
to privacy. But this data reveals more than a concerned citizenry, it reveals tremendous
opportunities for companies to foster more trusted customer relationships.
DOWNLOAD THE COMPLETE REPORT:
http://pages.altimetergroup.com/1506-Consumer-Perceptions-of-Privacy-in-the-IOT-Report.html
Whether good or bad, online reviews are a critical factor in the consumer’s path to purchase, across various industries. This presentation reviews the importance of online reviews, who writes them and why, the nature of them etc.Enjoy reading!
Digital insurance trends in Asia - Presentation to Allianz regional conferen...The Digital Insurer
This deck is an extract of a presentation given to Allianz CIO's and COO's in Singapore in May 2013.
Note : The presentation is an independent presentation by The Digital Insurer and does not represent or reflect Allianz policy or strategy.
Pas 1 ni 10, mais 26 vagues d'innovations technologiques qui sont en train de secouer l'économie, la société et l'humanité toute entière...
Découvrez cette analyse très complète de Brian Solis, l'analyste en chef de Altimeter Group.
Top 8 digital transformation trends shaping 2021run_frictionless
In a world that’s increasingly dependent on digital, IT’s role is more critical than ever. To meet rising demands, organizations are accelerating their digital transformation. This report identifies the top 8 technology trends that will face CIOs, IT leaders, and organizations in their digital transformation journey in 2021.
https://runfrictionless.com/b2b-white-paper-service/
The following presentation examines trends and best practices in Self Service, with respect to consumer trends, company strategies, tools and best practices in various industries.
We have reviewed the following types of Self Services:
Unassisted Self Service - where a customer can complete a transaction / receive the support he/she needs without requiring a human agent’s assistance at all. For example: online booking and ordering, online fund transferring, etc.
Assisted Self Service - where the customer can access the service at his/her own terms, but does require a human agent on the other side, for example: video tellers / conference calls, live chats with a live agent, email / SMS to an agent, etc.
2015 saw financial institutions continue their shift toward a mobile-centric approach, as this channel quickly becomes the primary means of interaction between consumers and firms. According to a March 2015 report from the Federal Reserve, 35% of mobile phone users with a bank account used mobile banking in 2014, up 150% from 2010. Financial services firms continued to improve and refine their smartphone capabilities, and have begun to capitalize on new and exciting devices such as wearables. Traditional, established players are also taking inspiration from fintech firms and bitcoin wallet providers to provide a better experience to their clients.
In December 2014, we published our year-end review of interesting and noteworthy mobile finance trends that had occurred that year. Now, at the start of 2016, we take at look at how those trends have advanced and highlight some new developments that have emerged.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
Probably you have heard about some cases where chatbots failed miserably in delivering any actual business benefit. Our experience cooperating with the biggest companies in the world like Elisa, Veon, and Swedbank has taught us some interesting aspects we are about to share in this presentation
Originally published at https://mindtitan.com/resources/guides/chatbot/benefits-of-chatbots/
The Accenture Fjord Trend Report features what we believe to be the most significant technology and business developments emerging and how they will impact our lives.
Our Trends Report is the result of months of research, discussions, and debate, pooling the collective experience at Fjord and Accenture Interactive and distilled into ten core ideas.
Visit trends.fjordnet.com and follow the conversation at #FjordTrends.
Enjoy!
APAC's Digital Insurance Transformers: Illuminating the Way ForwardCognizant
Our research shows that insurers throughout the extremely diverse APAC region are placing their bets on digital transformation strategies to enhance customer experience and optimize operations. We take a deep-dive look into the particulars of what is currently happening and what lies ahead for the Asia-Pacific insurance industry's digital evolution.
Explore the trends that will shape the state of retail tech in 2021 and what could be coming next. Take a deep dive into global retail tech investment trends, top initiatives, and more.
Fjord Trends 2020: Emerging Trends in Business | Accentureaccenture
Accenture's Fjord Trends 2020 provides insight on business trends impacting business, tech & design to help brands thrive in a changing world. Read more.
Digital thinking to transform face-to-face insurance in Asia by Hugh TerryThe Digital Insurer
These are the slides presented by The Digital Insurer at the Insurancecom conference in HK at the Ritz Carlton on 2nd December 2014.
The theme of the conference was profitable strategies for growth in 2015 and this presentation focuses on the opportunity to use digital thinking and trends to create Agency 2.0 and Banca 2.0 models
How Digital Is Becoming A Mobile First ExperienceYuan Wang
We present the latest 2016 mobile marketing statistics and insights, showing increasing consumer adoption and changing behaviour around how people use mobile. We explore various options for using mobile in your marketing such as advertising, apps and campaigns. We summarise the factors influencing how a mobile experience differs from others. We revisit the App vs responsive website debate and propose a new approach. We provide tips on managing your own mobile presence – dos and don’ts, as well as case studies of excellent brand mobile marketing – advertising vs app, larger budget vs smaller budget.
Our lives have been indisputably influenced by mobile technology over the past 10 years and have created many fast-growing industries along with it. We use these devices everywhere at any point in time. Gaining critical mass doesn't mean though that we use these devices in a same way around the world. Albeit standardised to a large extent, user behaviour still significantly depends on who and where you are.
Discussed Usage Trends 2015 cover:
- Race for Engagement
- Seamless FinTech Solutions
- Uber: Uberization of Everything
- Smart Commerce
- Swiss Army Knife: Functional Integration of Extension Hardware
- Anyscreen Anywhere
This presentation was held at Global Mobile App Summit & Awards in Chennai, India. Feel free to comment and discuss this topic with me on twitter @ricowyder.
New Report by Jessica Groopman
The digitalization of our physical world—what many are now calling the ‘Internet of
Things’—is challenging our expectations of privacy.
Adding sensors to ourselves, and to the objects and places around us, renders our
physical world communicable, contextual, and trackable. The full implications of
ubiquitous connectivity remain blurry, but Altimeter Group’s survey of 2,062 American
consumers makes one point crystal clear: Consumers are decidedly anxious about
how companies use and share data from their connected devices. Our research finds
a massive gulf between consumer awareness and industry practices when it comes
to privacy. But this data reveals more than a concerned citizenry, it reveals tremendous
opportunities for companies to foster more trusted customer relationships.
DOWNLOAD THE COMPLETE REPORT:
http://pages.altimetergroup.com/1506-Consumer-Perceptions-of-Privacy-in-the-IOT-Report.html
Whether good or bad, online reviews are a critical factor in the consumer’s path to purchase, across various industries. This presentation reviews the importance of online reviews, who writes them and why, the nature of them etc.Enjoy reading!
Digital insurance trends in Asia - Presentation to Allianz regional conferen...The Digital Insurer
This deck is an extract of a presentation given to Allianz CIO's and COO's in Singapore in May 2013.
Note : The presentation is an independent presentation by The Digital Insurer and does not represent or reflect Allianz policy or strategy.
Pas 1 ni 10, mais 26 vagues d'innovations technologiques qui sont en train de secouer l'économie, la société et l'humanité toute entière...
Découvrez cette analyse très complète de Brian Solis, l'analyste en chef de Altimeter Group.
Top 8 digital transformation trends shaping 2021run_frictionless
In a world that’s increasingly dependent on digital, IT’s role is more critical than ever. To meet rising demands, organizations are accelerating their digital transformation. This report identifies the top 8 technology trends that will face CIOs, IT leaders, and organizations in their digital transformation journey in 2021.
https://runfrictionless.com/b2b-white-paper-service/
The following presentation examines trends and best practices in Self Service, with respect to consumer trends, company strategies, tools and best practices in various industries.
We have reviewed the following types of Self Services:
Unassisted Self Service - where a customer can complete a transaction / receive the support he/she needs without requiring a human agent’s assistance at all. For example: online booking and ordering, online fund transferring, etc.
Assisted Self Service - where the customer can access the service at his/her own terms, but does require a human agent on the other side, for example: video tellers / conference calls, live chats with a live agent, email / SMS to an agent, etc.
2015 saw financial institutions continue their shift toward a mobile-centric approach, as this channel quickly becomes the primary means of interaction between consumers and firms. According to a March 2015 report from the Federal Reserve, 35% of mobile phone users with a bank account used mobile banking in 2014, up 150% from 2010. Financial services firms continued to improve and refine their smartphone capabilities, and have begun to capitalize on new and exciting devices such as wearables. Traditional, established players are also taking inspiration from fintech firms and bitcoin wallet providers to provide a better experience to their clients.
In December 2014, we published our year-end review of interesting and noteworthy mobile finance trends that had occurred that year. Now, at the start of 2016, we take at look at how those trends have advanced and highlight some new developments that have emerged.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
December 2014 Mobile Finance Trends and InnovationsCorporate Insight
The mobile channel continues to become an increasingly important means for consumers to interact with financial services providers. Financial services firms have responded to growing consumer demand by introducing new and redesigned apps with ever more powerful data offerings and transaction capabilities.
Inside this slide deck, we looked at trends & innovations in mobile finance for 2014 and look at future developments for 2015.
Mobile Banking Trends That Your Application Must Have In 2023.docxCMARIX TechnoLabs
Here are some mobile banking technologies that will ensure your data is safe online. Contact us today and create a mobile banking app that caters to your users.
Essential Features to Include in Fintech App Development for 2023ZimbleCodeAustralia
The fintech sector is anticipated to keep expanding over the coming ten years, and fintech applications will be a big part of that expansion. In 2023, mobile-first design, sophisticated security measures, AI and ML, interaction with other financial services, chatbots and virtual support, comprehensive analytics, and other features will be the top requirements for fintech apps.
You may develop a well-designed mobile banking app with the help of a mobile app development company in Brisbane which includes all crucial features to draw in new clients, outperform your rivals, and deliver a top-notch user experience.
If you want to be a part of the FinTech revolution, you need to create a peer-to-peer payment app with amazing features and user-friendliness. You can also opt for Money Banking apps to facilitate money transfers and bill payment or stock trading and savings-related apps. EWallet apps development companies NYC allows you to come up with sophisticated wallet apps that allow users to transact in cryptocurrencies.
A No-Confusion Guide to Build a Secure Mobile Wallet App in 2019Innofied Solution
Mobile payments apps have witnessed a major increase in demand lately. Wallet apps like Paytm, PayPal and others have revolutionized the online world. If you want to develop an e-wallet, watch this presentation now!
Mobile Banking App Development A Complete Guide.pdfSuccessiveDigital
This is an article about mobile banking app development. It discusses the benefits and challenges of mobile banking apps. It also details the steps involved in developing a mobile banking app. Some of the important points from this website are that mobile banking apps offer convenience and security for users. They can also help banks save money. However, there are also challenges to developing mobile banking apps, such as data security and regulatory compliance.
How to Create eWallet App and Know the Cost!.pptxTarun Nagar
Are you looking to create an ewallet app for your business? Then you have reached the correct place. We are living in such a world where all things right from shopping, ordering food, booking a taxi, etc. can be done by simply tapping on your mobile device.
It is often believed that the current era of mobile devices has certainly made our lives much easier and more comfortable.
So, mobile devices like smartphones and mobile apps have certainly made an essential impact on human lives. The different latest technologies, mobile apps, and smartphones, along with additional digital devices, are always the popular trend.
Also, mobile fees, as well as mobile wallets, are a few of the most updated as well as swiftly developing industries of the present time wherein every financial institution, as well as mobile app development organization as well as fee and payment gateway employer, is directly diving into the ewallet app development.
The success of trending eWallet apps for money transfer like Paytm, Phonepe, Mobikwik, etc. have been sensational and also inspirational for fintech mobile app development companies as well as entrepreneurs. Thus, in this guide, we will discuss how to create an ewallet app, its features, and its cost.
For more reading https://devtechnosys.com/insights/steps-to-create-an-ewallet-app-with-cost/
Mobile Monitor First Look: BB&T, PNC Virtual Wallet, Popular Community Bank &...Corporate Insight
CI’s Mobile Monitor currently tracks 22 firms, a group that features mobile finance innovators from across the financial services industry. In this slide deck, we examine the mobile apps offered by four firms from outside our Mobile Monitor coverage group – BB&T, Popular Community Bank and Santander Bank and PNC (with a focus on Virtual Wallet) – to see what innovations they offer and how they fit into existing trends and industry standards. The reviews focus on mobile design and capabilities, highlighting any noteworthy features and key takeaways for competitors.
Super Apps in Banking: A Massive Revolution!Techugo
A super app is a mobile application that offers a wide range of services within a single platform. These services can include everything from messaging and social networking to e-commerce and online banking. In the context of banking, a super app might offer a variety of financial services such as account management, bill pay, peer-to-peer payments, and investment management, among others. Super apps are designed to be convenient for users by providing a single location for accessing a wide range of services, and they often have a strong focus on user experience. To know more visit the post.
Early Stage Fintech Investment Thesis (Sept 2016)Earnest Sweat
Here is an example of a personal investment thesis that I created to share with venture capital firms. In this example, I provide my personal perspective on the fintech sector. For details on how I build this thesis check out my blog (https://goo.gl/CU4Qid).
Note: Some of the confidential information has been redacted for privacy.
Mobile trends to transform your business in 2015Self-employed
To download the eBook, head on over to www.mobext.ph/ebook-download2015
In the eBook you'll find:
- The five crucial developments in the mobile space that your business must keep in mind to stay ahead
- Creative ways that other companies have leveraged mobile to reach both their business targets and their customers
- Tips to help boost your business’ mobile efforts
Market Gravity's top trends for Financial Services in 2015. We've worked on a range of FS propositions in the last few months and during this time we've uncovered some interesting trends and precedents featuring some of the world's biggest companies, as well as a range of disruptive starts ups.
We'd like to share some of our favorites to serve as some 'Finspiration' for 2015.
- Neobanks
- Digital Investment Platforms
- Enhanced Customer Experiences
- Security & Authentication Alternatives
- Youthful Banking
- Alternative Scoring Mechanisms
- Improving the Back End
- Banking with Wearables
For more information, please get in touch.
2014 Digital-Inspired Trends in the Financial Services Industry: Banks, Card ...Carmelon Digital Marketing
The financial services industry is utilizing new technologies and channels, in order to become more efficient, more reliant, more convenient and above all – simpler. Among such new channels are internet websites, social media platforms, smartphone / tablet apps and others. Banks, credit card companies and insurance companies are using those digital channels along the entire service chain, including sales & marketing, communications, consumer service and CRM.
The high rate of technology penetration is affecting the state of financial services:
• Collaboration economy – driven by social media
• On the go behavior – driven by intensive lifestyles and the rise of mobile technology
• Convenience seeking – driven by connectivity (“the internet of things” and wearable technology)
Time spent on social networking by internet users worldwide is on the rise, causing more sharing and peer to peer behaviors resulting in the “collaboration economy”.
Global Mobile penetration continues to rise, giving birth to more on the go/ mobile financial solutions. Rising penetration of Wearable Technology offers opportunities for companies.
In the EU, online banking adoption rates are 49% in the EU, and in other countries, USA included, penetration surpassed 50%.
We expect Mobile financial services to grow at an accelerated rate, due to the increase in solutions offered through mobile devices as well as younger demographics demand for ultra-convenient solutions. According to the Federal Reserve, in the USA, use of mobile banking continues to rise but is yet to reach the rates of online banking: 43% of all mobile phone owners, and 53% of all smartphone owners with a bank account, had used mobile banking in the 12 months prior to the survey, compared to 71% who used online banking on a desktop, laptop or tablet computer in the same period.
The 13
th annual Annuity Monitor Awards Report highlights the best digital annuity tools and features offered
by firms in six key areas: Retirement Education Resources, Retirement Saving Calculators, Account Owner
Document Centers, Account Owner Self Service Capabilities, Advisor Search and Book of Business.
Announcing the Gold Medal Winners of the Advisor Monitor AwardsCorporate Insight
The 18th annual Asset Management Monitor Advisor Awards Report offers a broad benchmarking of advisor websites across five key categories: Fund Profiles, Homepages, Commentary and Thought Leadership, Retirement Tools, and Literature Centers. We provide best in class examples for each of the
topics covered and explain why we consider these offerings to be industry leaders.
The 18th annual Asset Management Monitor – Investor Awards Report offers a broad benchmarking of investor websites across five key categories: Public Homepages, Secure Site Homepages, Fund Profile Pages, Help Center and Virtual Assistance, and Retirement Planning Calculators.
This quarter, we are proud to present our first Digital Advice Awards Report, detailing the best features of
robo advisor offerings and functionalities across seven key areas. In our analysis, we review the following
offerings and capabilities for the 16 firms in the Digital Advice Monitor coverage group: Product Offering;
Investor Questionnaire; Account Information; Goal Progress Tracking; Holistic Portfolio Analysis; Fund &
Account Transfers; and Mobile Capabilities. Each category includes a distinct set of attributes and criteria
based on our proprietary Digital Advice Audit that we use to assess and rank firms.
Property and Casualty Insurance Monitor Awards PreviewCorporate Insight
The eighth annual P&C Insurance Monitor Awards Report highlights the best digital capabilities offered by insurers in five key areas: Public Site Homepages, Policyholder Site Homepages, Bill Pay, Homeowners Quote Tools and Mobile App Roadside Assistance. We provide best-in-class examples for each of the topics covered and explain why we consider these offerings to be industry leaders.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance Monitor research services. These include new releases from Allianz, Fidelity, Lincoln and Prudential. We provide a rundown of all new products released in the second quarter of 2019 and highlight their key features.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. These include new releases from Lincoln Financial, Nationwide and Prudential. We provide a rundown of all new products released in the first quarter of 2019 and highlight their key features.
Annuity and Life Insurance Product Update Q3 & Q4 2018Corporate Insight
This slide deck examines product releases from annuity carriers and life insurers covered in Corporate Insight's Annuity Monitor and Life Insurance Monitor research services. We provide a rundown of new products introduced on coverage group firms' websites in the second half of 2018 and highlight their key features.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2018. We highlight basic fee information, rewards criteria and specific standout features unique to each card product offering.
Annuity and Life Insurance Product Update - Q2 2018Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.
Corporate Insight is proud to unveil our 15th annual Asset Management Monitor – Advisor Awards, offering a broad benchmarking of the advisor websites across six key categories: Advisor Homepages, Commentary & Thought Leadership, Literature Order Systems, Multimedia, Investor Education and New Tools.
As in past years, we assign the gold medal to firms that present exceptional offerings within given categories. We award a silver medal for firms that offer similar value but lack some of the outstanding attributes and functions of the best offerings. We give the bronze medal to firms that offer a unique or noteworthy version of a feature but do not meet our highest standards for a given category. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to present our sixth annual Property and Casualty Insurance Monitor Awards, in which we highlight the top features on websites and mobile apps among our coverage group. This year, we benchmark industry leaders across six critical, high-level categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
We reserve the gold medal for site or app features that offer an exceptionally valuable service in an efficient, logical design. We present the silver medal for features of similar value with a few small drawbacks. Finally, we award a bronze medal for those features that are admittedly imperfect but still offer clients a noteworthy service. In this slide deck, we highlight the gold medal winners across all categories.
With 2017 coming to a close, we present the second annual Healthcare Monitor Awards, offering an analysis of the state of the health insurance industry in terms of the best digital resources available to members. This year we benchmark industry leaders across six critical categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
The gold medal is reserved for capabilities that offer an exceptionally valuable service to members in a user-friendly interface. The silver medal recognizes resources that offer strong functionalities while suffering from a few small flaws. Finally, the bronze medal goes to resources that, though imperfect, offer members an excellent or uniquely valuable service. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to introduce the results of our sixth annual Life Insurance Monitor Awards. We benchmark the life insurance industry across six critical categories in which we award gold, silver and bronze medals.
As in past years, the gold medal is reserved for exceptionally valuable services. We award the silver medal for features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the category. In this slide deck, we highlight the gold medal winners across all categories. These medals reveal where the insurance industry is succeeding in the development of digital features.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
Annuity and Life Insurance Product Update - Q4 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the fourth quarter of 2017 and highlight their key features.
Corporate Insight is pleased to introduce the results of our 11th annual Annuity Monitor Awards. We benchmark the annuity industry across six critical categories, awarding gold, silver and bronze medals in each based on how firms meet our criteria.
As in past years, the gold medal is reserved for exceptionally valuable services. The silver medal rewards features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the respective category.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2017. We highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Annuity and Life Insurance Product Update - Q3 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the third quarter of 2017 and highlight their key features.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group in the first half of 2017. Inside, we highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Annuity and Life Insurance Product Update - Q2 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on the firms’ websites in the second quarter of 2017 and highlight their key features.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
4. The mobile channel is increasingly important to retail financial services firms. This is driven by a variety of
factors, including the widespread adoption of smartphones, more powerful phone operating systems and,
crucially, the rise of Millennial customers.
In our February 2016 survey of online investors, 71% of Millennials indicated that they had logged into their
brokerage account using a mobile device in the past 12 months, compared to 44% of Baby Boomers. Further,
51% of Millennials said that their brokerage firm’s mobile capabilities were “very important” or “extremely
important” to them, versus 23% of Baby Boomers. Our recent surveys of retirement plan participants and bank
customers show similar generational differences. Collectively, these surveys suggest mobile will increasingly
define the digital experience for financial services as Millennials become the industry’s core customer base.
To accommodate changing customer demographics and the growing significance of the mobile
experience, we expect financial services firms to continue to enhance their apps this year.
Developments may include 3D Touch and leveraging such cutting edge capabilities as artificial
intelligence (AI), voice technology and expanded biometric authentication techniques. Some will
likely introduce more personalized content and offer easier access to key account information
(e.g., pre-login), making it simpler for clients to interact with them. In this annual mobile trends
review, we explore these and other trends and innovations that are likely to shape the mobile
experience this year and beyond.
4
2017 Should See Mobile Finance Apps Grow in Importance and Sophistication
5. Recent Trends &
Innovations
• Biometric Authentication
• 3D Touch
• Card Management
• Customization & Personalization
• Voice Technology
• Siri Integration
• DC Plan Mobile Access
6. 6
• All 27 firms in our Mobile Monitor coverage set now include support for Touch ID on their iOS devices, up from
just 44% in January 2016
• Additionally, 41% of the firms we track also use fingerprint recognition for expedited login on Android devices
• USAA stands out for offering alternative biometric login options that include face and voice recognition, which
is consistent with the firm’s long track record as a mobile innovator
• Other firms are liable to embrace similar biometric-based security practices in 2017
Firms focus on security, with biometric authentication taking center stage
Biometric Authentication
Merrill Lynch Touch ID Chase Android Fingerprint USAA Voice Authentication
7. 7
• 3D Touch allows for different interactions depending
on how hard the user presses on the screen, including
what Apple calls “Quick Actions” and “Peek and Pop”
Quick Actions: Trigger a menu on the device Home screen to
expedite navigation
Peek and Pop: Reveals additional details without directing
users to a new screen
• Of the 27 firms covered in Mobile Monitor, 63%
include Quick Actions menu options that appear when
the user presses firmly on app icons from the
iPhone’s Home screen
• Peek and Pop actions are less common among firms,
with only USAA, Capital One Wallet and Vanguard
offering this feature
• Vanguard’s Peek and Pop feature allows clients to preview
content while remaining in their current view and then pop it into
full view
Most firms utilize 3D Touch, allowing clients with a 6s iPhone or newer to
accomplish tasks faster and in fewer steps
3D Touch
Fidelity 3D Touch Quick Actions Vanguard 3D Touch Peek and Pop
8. 8
• Capital One Mobile, Capital One
Wallet, Discover and USAA’s
apps include the option to
temporarily freeze or lock a
credit card if it’s lost or stolen
• Bank of America and BB&T offer
the ability to lock a card as well,
but only for debit cards
• Bank of America, BB&T,
Discover, USAA and Wells Fargo
customers can order and
replace debit and credit cards
via the app
• Capital One Mobile, Citi,
Discover, Fifth Third and USAA
allow users to activate new cards
within their apps
Card issuers are empowering customers with greater card management capabilities
Card Management
Capital One Lock Card
Discover Freeze Account
Bank of America Card Settings
9. 9
• Fidelity offers a unique
personalized Feed that
delivers news and market
information based on clients’
holdings, watch lists, recent
research and their preferred
investing topics
• Fidelity also allows clients to
customize the tabs displayed
on the menu
• Other firms, including BB&T,
E*TRADE, Merrill Edge/Lynch
and Scottrade, allow clients to
customize and arrange the
information that appears on
their app dashboard
Firms are experimenting with greater customization and personalization
Customization & Personalization
Fidelity Feed Preferences
Fidelity Feed Fidelity Feed Topics
10. 10
• E*TRADE provides VoiceOver
support for login, settings, stock
trading and account balances
allowing customers make voice
commands in these sections of
the app
• USAA’s Virtual Mobile Assistant
supports voice commands to help
clients navigate the app
• Ally and Fidelity’s Android apps
include voice-assisted technology,
allowing clients to ask questions
• Santander UK’s app currently
supports simple spoken questions
but soon clients will be able to
fully service their accounts using
the voice assistant*
In-app Virtual Assistants are emerging as AI technology improves
Santander’s SmartBank App Store
Preview
E*TRADE VoiceOver
Voice Technology
USAA Virtual Mobile Assistant
* Santander Launches ‘Voice Banking” Technology. Finextra.
11. 11
• After Apple’s last software update, devices
running iOS 10 now have greater integration
between third-party apps and Siri
• Discover is one of the first card issuers to allow
clients to make a payment using the Siri
function on iOS devices
Users can now say a phrase like “pay my Discover
card,” and the virtual assistant will collect the
amount to be paid and submit the payment
This process allows clients to bypass the Discover
app when setting up a payment
Integration with Siri allows clients to make card payments through the virtual
assistant
Siri Integration
Discover Siri Integration
12. 12
• DC plan providers were slower to embrace mobile than banks and
brokerage firms, but this began to change in the last 24 months
• Providers now recognize that mobile account access is crucial to
effectively engage young participants
• In line with this, 70% of firms tracked by our Retirement Plan
Monitor service now offer an iPhone app while 80% offer a mobile-
optimized site
• 13 out of 20 retirement plan providers in our coverage set offer at
least one transaction capability via mobile, an increase from only
two firms in 2013
• We expect the breadth of retirement plan mobile capabilities to
increase in 2017 as Millennials become the majority of the
workforce
• Providers that only offer mobile-optimized sites will feel increasing
pressure to develop apps as consumers generally prefer these over
browser-based platforms
Our 2016 survey found that 54% of plan participants reported accessing their
retirement account via an iPhone app while only 16% used a mobile site
Mobile access is increasingly important to DC plan participants
DC Plan Mobile Access
Empower iPhone app Voya iPhone app
13. 2017 and Beyond
• Artificial Intelligence
• iOS Optimization
• Social Media Influence
• Key Takeaways
14. 14
• AI and chatbots simplify the financial services customer experience by
providing timely assistance at a low cost to the firm
• Bank of America recently announced its plans to introduce a new digital
assistant in 2017
The digital assistant, named Erica, will be available on the bank’s mobile app
Customers will be able to interact with Erica through text or voice technology
Erica will use artificial intelligence, predictive analytics and cognitive
messaging to help complete tasks (e.g., make payments, view balances, save
money and reduce debt)*
• We expect other firms to unveil similar capabilities in 2017 and beyond
More firms will incorporate AI into their customer service offerings
Artificial Intelligence
Bank of America “Erica” Preview
*Meet Erica, Bank of America’s New Voice AI Banking System. Forbes 2016.
15. 15
• We expect cutting edge firms to take advantage
of new iOS features that allow clients to access
features of their platform without opening the app
(e.g., Siri)
• Discover, Square Cash and Venmo now work with
the iPhone’s Siri feature, allowing users to send
money via a simple voice command without
needing to open the apps (e.g., “Send one dollar
to Pat using Venmo”)
• Apple allows users to send money through
iPhone’s iMessage feature as a text message
Firms will take advantage of iOS improvements to empower clients to complete
simple tasks without having to log into the mobile app
iOS Optimization
Venmo Siri Integration iPhone Send Money
16. 16
• In the last year, Fidelity redesigned its phone app,
introducing a personalized and visually appealing Feed
that resembles a social media news feed
• We expect other firms to borrow design and experience
elements from non-financial apps to enhance these
platforms with more interesting and visually stimulating
features
Firms will look to introduce elements into their apps that are outside the traditional
norm of financial services mobile offerings
Social Media Influence
Fidelity Feed
17. 17
Most financial services firms have mastered the basics of mobile account information and
transaction capabilities. Firms are now shifting their efforts toward exploring ways to differentiate
their mobile offerings, leveraging new technology to make it easier for clients to interact with them.
Looking ahead, we expect to see the following developments in 2017:
• Firms will leverage the emergence of improved AI technology to offer more self-service features within their
apps, including voice command capabilities and virtual assistants
• Financial institutions will accelerate efforts to integrate personalization capabilities into their apps to meet
customers’ growing expectations for a tailored mobile experience
• Firms will offer more useful functionality and information pre-login, taking advantage of new iOS capabilities
like integration with Siri and 3D Force Touch
• More firms will adopt biometric authentication techniques in order to provide a more secure and convenient
mobile experience for logging in and conducting high-risk activities
Key Takeaways
Key Takeaways
19. • Corporate Insight is a New York-based research and consulting firm that helps financial institutions improve
their customer experience and establish a compelling competitive advantage
• Our Monitor research offers ongoing competitive intelligence by industry vertical, reporting on the customer
experience from a unique firsthand perspective
• Our Consulting Services team provides a range of strategic and tactical research services, with a focus on
emerging technology and disruptive forces. Our services include:
Custom research, including mobile-focused engagements
Survey research, including investor, retirement plan participant and bank customer surveys
Industry-wide studies on key topics (e.g., Next-Generation Investing, Millennials, fintech startups, etc.)
Website and Mobile Audits
• For more information on Corporate Insight, please contact us at 212-832-2002 or by email here
19
About Corporate Insight
20. • Mobile Monitor is Corporate Insight’s subscription research
service that tracks mobile development across the bank,
brokerage, credit card and asset management industry
segments
• We provide our subscribers with:
Bi-weekly Updates reporting on mobile platform developments
at over 100 firms
In-depth Quarterly Reports on such topics as:
Mobile Leaders
Mobile Sites
Alerts
Authentication & Security
Menu Design and Navigation
Quarterly capabilities matrix and films
Analyst support
20
Mobile Monitor’s Cross-Industry Coverage Set
About Mobile Monitor
21. 21
Recent Syndicated Studies
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