Etude du Business Model de Number26 / N26 par le cabinet Onopia, spécialiste de l'innovation de business model, de l'expérience client, du design thinking. www.onopia.com
This document summarizes Mint, a personal finance management application. It describes Mint's features for tracking transactions, assets, debts, and goals. It outlines Mint's business model of acquiring users through partnerships and generating revenue from referrals when users switch financial products. The document presents Mint's financial projections, identifying Google, Microsoft, and Yahoo as potential acquirers. It discusses Mint's risks and competitive advantages to mitigate new entrants.
Banks can leverage machine learning models to increase value through stronger customer acquisition, higher customer lifetime value, and lower operating costs. AI-powered decision making allows for personalized experiences, continuous customer engagement, automated document processing, and early risk detection. Advanced analytical models can be organized around significant elements like the customer lifecycle to benefit banks.
This document summarizes information about Starling Bank and Anne Boden, its founder and CEO. Some key points:
- Starling Bank is a mobile-only banking service that offers innovations not previously seen from banks, such as direct integration with Faster Payments and open banking APIs.
- It has launched a marketplace platform offering insurance, foreign exchange, investments and other financial products directly through its app.
- The document encourages downloading the Starling Bank app or visiting its website for more information. Anne Boden and Starling Bank will be presenting at the NOAH conference in June 2018.
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/
This document summarizes a platform that allows users to create customized maps of communities and interests. It started with 20,000 unique users and 18,000 monthly alerts. The platform has since received many requests to build maps for different interests around the world. The document outlines the business model, which includes organizing map data and monetizing through advertising, premium listings, and a potential SAAS model. It provides a timeline showing past pilots and plans for future mobile and discovery features. The team is seeking $1M in funding to further develop their self-service platform.
MySQL fundraising pitch deck ($16 million Series B round - 2003)Robin Wauters
MySQL AB is seeking a $16 million Series B round of funding to accelerate its growth strategy. As the world's most popular open source database, MySQL has over 4 million installations and is included in most Linux distributions. MySQL AB employs a dual licensing model, offering the software under an open source license and commercially. The funding will allow the company to further enter the enterprise market and maintain its leadership position across web, embedded, and enterprise databases which represent a potential $9 billion market opportunity.
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
FINTECH companies have seen rapid growth and taken significant market share from traditional banks globally since 2014. They focus on profitable products, grow market share quickly, and operate below regulatory radar. While FINTECH investments are concentrated in the US, the internet has no borders, so all banks must transform digitally to compete. Traditional banks have weaknesses like over-regulated processes and legacy systems compared to FINTECH strengths like interconnected data and technology. Banks need to create win-win partnerships with FINTECH and customers to survive the disruption.
This document summarizes Mint, a personal finance management application. It describes Mint's features for tracking transactions, assets, debts, and goals. It outlines Mint's business model of acquiring users through partnerships and generating revenue from referrals when users switch financial products. The document presents Mint's financial projections, identifying Google, Microsoft, and Yahoo as potential acquirers. It discusses Mint's risks and competitive advantages to mitigate new entrants.
Banks can leverage machine learning models to increase value through stronger customer acquisition, higher customer lifetime value, and lower operating costs. AI-powered decision making allows for personalized experiences, continuous customer engagement, automated document processing, and early risk detection. Advanced analytical models can be organized around significant elements like the customer lifecycle to benefit banks.
This document summarizes information about Starling Bank and Anne Boden, its founder and CEO. Some key points:
- Starling Bank is a mobile-only banking service that offers innovations not previously seen from banks, such as direct integration with Faster Payments and open banking APIs.
- It has launched a marketplace platform offering insurance, foreign exchange, investments and other financial products directly through its app.
- The document encourages downloading the Starling Bank app or visiting its website for more information. Anne Boden and Starling Bank will be presenting at the NOAH conference in June 2018.
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/
This document summarizes a platform that allows users to create customized maps of communities and interests. It started with 20,000 unique users and 18,000 monthly alerts. The platform has since received many requests to build maps for different interests around the world. The document outlines the business model, which includes organizing map data and monetizing through advertising, premium listings, and a potential SAAS model. It provides a timeline showing past pilots and plans for future mobile and discovery features. The team is seeking $1M in funding to further develop their self-service platform.
MySQL fundraising pitch deck ($16 million Series B round - 2003)Robin Wauters
MySQL AB is seeking a $16 million Series B round of funding to accelerate its growth strategy. As the world's most popular open source database, MySQL has over 4 million installations and is included in most Linux distributions. MySQL AB employs a dual licensing model, offering the software under an open source license and commercially. The funding will allow the company to further enter the enterprise market and maintain its leadership position across web, embedded, and enterprise databases which represent a potential $9 billion market opportunity.
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
FINTECH companies have seen rapid growth and taken significant market share from traditional banks globally since 2014. They focus on profitable products, grow market share quickly, and operate below regulatory radar. While FINTECH investments are concentrated in the US, the internet has no borders, so all banks must transform digitally to compete. Traditional banks have weaknesses like over-regulated processes and legacy systems compared to FINTECH strengths like interconnected data and technology. Banks need to create win-win partnerships with FINTECH and customers to survive the disruption.
The document discusses the future of banking and the mobile banking startup Number26. Number26 has built the first global mobile bank with a full European banking license. Their product allows for paperless account opening in 8 minutes, real-time overdraft, hassle-free international transfers, and investing on the go. Number26 has seen rapid growth, with over 200,000 users and over €2 billion in total transaction volume within 1.5 years. They are backed by leading investors and have a team of 150 employees based in Berlin.
The 10 most interesting slides that helped our SaaS company raise 9 millionGoCanvas
Have you ever wondered what goes into a pitch deck? Or what slides matter? Here are the 10 slides that seemed to resonate most with VCs we met with our our journey to raising our latest $9 million in funding. Be sure to check the notes for explanations of each slide.
Global Payment Industry is quite complex and diverse. When you look the Payment system value chain, there are rapidly technical advance and regulatory initiatives are working to transform the payment industry. To reduce the complexity and build a more agile model to adopt to business demands, EBA helps to build Enterprise level architecture to stream line the payments. Contact us.
https://enterprisebankingarchitect.com/
This document discusses how visual analytics can help drive digital transformation in the retail banking industry. It covers key trends like demographic changes, evolving customer behaviors, and increasing regulations that are challenging traditional banks. It advocates using visual analytics to improve customer centricity, operational efficiencies, risk management, and other initiatives. Case studies are presented showing how banks like ANZ and Swedbank have used visual analytics platforms like Qlik to gain insights from data and remain competitive against technology companies.
Made for the unit Internet Commerce and Consumers, looking at the growth and innovation of online commerce with a particular emphasis on PayPal. View on YouTube for voiceover: https://www.youtube.com/watch?t=3&v=bmDrpOvAMFw
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow and levels of neurotransmitters and endorphins which elevate and stabilize mood.
SME neo-banks are digital banks that offer business banking services for small businesses. They have seen growth globally but are most mature in Europe and China. Chinese neo-banks are dominated by large tech companies while other regions have more independent and bank-owned neo-banks. Common services include business accounts, loans, cards and integrated accounting/invoicing. Neo-banks use subscription-based models and generate revenue from transactions, deposits and subscriptions. They have much higher customer-to-employee ratios than traditional banks due to efficient digital operations. India is seeing increased focus on SMEs and has potential for neo-bank growth given the large unmet credit needs of its over 60 million SMEs.
This document proposes an UberTruck app to provide cargo transportation services for items like electronics, appliances, furniture, and moving services. It would allow users to easily request truck transportation through the Uber platform. The benefits outlined include expanding Uber's customer base and revenue stream. Implementation plans include developing the app, recruiting drivers, and releasing it. Marketing strategies involve targeting young, urban Uber users and promoting during busy moving seasons. Financial projections estimate development costs of $200,000 and ROI within a year under normal usage scenarios.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses ImaliPay's solution to problems faced by gig workers and gig economy marketplaces in Africa. ImaliPay is building a "one stop shop" banking-as-a-service API to provide automated reconciliation, payments, wallets and other financial services to gig platforms. So far ImaliPay has 4 API partners, over $2 million in transactions processed, and partnerships in Nigeria, Kenya and South Africa. ImaliPay is seeking $1.5 million in funding to expand its technology infrastructure and business development.
This document summarizes Mint, a personal finance management tool. It allows users to track spending, savings goals, and net worth. Mint makes money through referral fees when users switch financial products based on Mint's recommendations. The document outlines Mint's market size and opportunity, competitors, value proposition, user and partner acquisition strategies, business model, and projected financials. It expects rapid user and revenue growth as it acquires users through viral and partnership channels and converts them through intelligent suggestions.
The document outlines plans to launch a wholesale banking platform called Standard Treasury that will provide banking services via API to fintech companies and power the next generation of financial applications. It details the team's experience in banking technology, regulatory work completed in the UK and US, product roadmap, and financial projections showing an $8.99M series A round will fund the application and launch process. Risks are acknowledged but mitigation strategies are proposed to address challenges in obtaining a banking license, timeline, and hiring.
The Journey to Digital Transformation with Touch BankBackbase
The document summarizes the digital transformation journey of Touch Bank, a fully digital retail bank in Russia, in 3 sentences or less:
Touch Bank launched in April 2015 after a one year build, has over 70,000 customers accessing banking services through internet, mobile, and call centers with no physical branches or ATMs, and has received awards for innovation including Best Online Bank of 2015 and Most Innovative Retail Bank in Russia 2016.
1) The document discusses Wetipp, a platform that aims to make community participation and engagement easy for organizations by providing collaboration tools and personalized notifications in one place.
2) It notes that millions of community organizations struggle to engage members and that current tools require too many accounts.
3) Wetipp provides chat-based collaboration, tracks interests, and offers a single account for apps and integrations to help organizations better engage their members.
The slide deck we used to raise half a million dollarsBuffer
This is the pitchdeck we used to raise half a million dollars from Angel investors. More here:
http://onstartups.com/tabid/3339/bid/98034/The-Pitch-Deck-We-Used-To-Raise-500-000-For-Our-Startup.aspx
This was our final Series A deck. Read more about raising the round in this blog post:
https://medium.com/@DanielleMorrill/welcome-brad-feld-to-the-mattermark-team-announcing-our-6-5m-series-a-dd9532fc1b39
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
Banks and Regulators in Fintech: results of 2016 and trends for 2017Vladislav Solodkiy
Life.SREDA VC is a venture capital firm that invests in blockchain and fintech startups. It has offices in Moscow, Singapore, and London. The document provides details on Life.SREDA's investments, research focus, and accelerator programs. It also discusses trends in banks increasingly partnering with and investing in fintech startups to access new technologies, ideas, expertise, and customers. Some banks are launching venture arms, accelerators, and making direct investments in fintech companies. The future of banking will involve closer collaboration between traditional banks and fintech partners.
Global trade of goods has been growing at double-digit rates since the early 2000s. Digitzation had its time; but still we have manual paper based work exsisitng in most of the Trade finance activities. Now is the time to see value addition from Blockchain based platforms and how they can make this process faster, reliable and paperless.
The document discusses the future of banking and the mobile banking startup Number26. Number26 has built the first global mobile bank with a full European banking license. Their product allows for paperless account opening in 8 minutes, real-time overdraft, hassle-free international transfers, and investing on the go. Number26 has seen rapid growth, with over 200,000 users and over €2 billion in total transaction volume within 1.5 years. They are backed by leading investors and have a team of 150 employees based in Berlin.
The 10 most interesting slides that helped our SaaS company raise 9 millionGoCanvas
Have you ever wondered what goes into a pitch deck? Or what slides matter? Here are the 10 slides that seemed to resonate most with VCs we met with our our journey to raising our latest $9 million in funding. Be sure to check the notes for explanations of each slide.
Global Payment Industry is quite complex and diverse. When you look the Payment system value chain, there are rapidly technical advance and regulatory initiatives are working to transform the payment industry. To reduce the complexity and build a more agile model to adopt to business demands, EBA helps to build Enterprise level architecture to stream line the payments. Contact us.
https://enterprisebankingarchitect.com/
This document discusses how visual analytics can help drive digital transformation in the retail banking industry. It covers key trends like demographic changes, evolving customer behaviors, and increasing regulations that are challenging traditional banks. It advocates using visual analytics to improve customer centricity, operational efficiencies, risk management, and other initiatives. Case studies are presented showing how banks like ANZ and Swedbank have used visual analytics platforms like Qlik to gain insights from data and remain competitive against technology companies.
Made for the unit Internet Commerce and Consumers, looking at the growth and innovation of online commerce with a particular emphasis on PayPal. View on YouTube for voiceover: https://www.youtube.com/watch?t=3&v=bmDrpOvAMFw
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow and levels of neurotransmitters and endorphins which elevate and stabilize mood.
SME neo-banks are digital banks that offer business banking services for small businesses. They have seen growth globally but are most mature in Europe and China. Chinese neo-banks are dominated by large tech companies while other regions have more independent and bank-owned neo-banks. Common services include business accounts, loans, cards and integrated accounting/invoicing. Neo-banks use subscription-based models and generate revenue from transactions, deposits and subscriptions. They have much higher customer-to-employee ratios than traditional banks due to efficient digital operations. India is seeing increased focus on SMEs and has potential for neo-bank growth given the large unmet credit needs of its over 60 million SMEs.
This document proposes an UberTruck app to provide cargo transportation services for items like electronics, appliances, furniture, and moving services. It would allow users to easily request truck transportation through the Uber platform. The benefits outlined include expanding Uber's customer base and revenue stream. Implementation plans include developing the app, recruiting drivers, and releasing it. Marketing strategies involve targeting young, urban Uber users and promoting during busy moving seasons. Financial projections estimate development costs of $200,000 and ROI within a year under normal usage scenarios.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses ImaliPay's solution to problems faced by gig workers and gig economy marketplaces in Africa. ImaliPay is building a "one stop shop" banking-as-a-service API to provide automated reconciliation, payments, wallets and other financial services to gig platforms. So far ImaliPay has 4 API partners, over $2 million in transactions processed, and partnerships in Nigeria, Kenya and South Africa. ImaliPay is seeking $1.5 million in funding to expand its technology infrastructure and business development.
This document summarizes Mint, a personal finance management tool. It allows users to track spending, savings goals, and net worth. Mint makes money through referral fees when users switch financial products based on Mint's recommendations. The document outlines Mint's market size and opportunity, competitors, value proposition, user and partner acquisition strategies, business model, and projected financials. It expects rapid user and revenue growth as it acquires users through viral and partnership channels and converts them through intelligent suggestions.
The document outlines plans to launch a wholesale banking platform called Standard Treasury that will provide banking services via API to fintech companies and power the next generation of financial applications. It details the team's experience in banking technology, regulatory work completed in the UK and US, product roadmap, and financial projections showing an $8.99M series A round will fund the application and launch process. Risks are acknowledged but mitigation strategies are proposed to address challenges in obtaining a banking license, timeline, and hiring.
The Journey to Digital Transformation with Touch BankBackbase
The document summarizes the digital transformation journey of Touch Bank, a fully digital retail bank in Russia, in 3 sentences or less:
Touch Bank launched in April 2015 after a one year build, has over 70,000 customers accessing banking services through internet, mobile, and call centers with no physical branches or ATMs, and has received awards for innovation including Best Online Bank of 2015 and Most Innovative Retail Bank in Russia 2016.
1) The document discusses Wetipp, a platform that aims to make community participation and engagement easy for organizations by providing collaboration tools and personalized notifications in one place.
2) It notes that millions of community organizations struggle to engage members and that current tools require too many accounts.
3) Wetipp provides chat-based collaboration, tracks interests, and offers a single account for apps and integrations to help organizations better engage their members.
The slide deck we used to raise half a million dollarsBuffer
This is the pitchdeck we used to raise half a million dollars from Angel investors. More here:
http://onstartups.com/tabid/3339/bid/98034/The-Pitch-Deck-We-Used-To-Raise-500-000-For-Our-Startup.aspx
This was our final Series A deck. Read more about raising the round in this blog post:
https://medium.com/@DanielleMorrill/welcome-brad-feld-to-the-mattermark-team-announcing-our-6-5m-series-a-dd9532fc1b39
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
Banks and Regulators in Fintech: results of 2016 and trends for 2017Vladislav Solodkiy
Life.SREDA VC is a venture capital firm that invests in blockchain and fintech startups. It has offices in Moscow, Singapore, and London. The document provides details on Life.SREDA's investments, research focus, and accelerator programs. It also discusses trends in banks increasingly partnering with and investing in fintech startups to access new technologies, ideas, expertise, and customers. Some banks are launching venture arms, accelerators, and making direct investments in fintech companies. The future of banking will involve closer collaboration between traditional banks and fintech partners.
Global trade of goods has been growing at double-digit rates since the early 2000s. Digitzation had its time; but still we have manual paper based work exsisitng in most of the Trade finance activities. Now is the time to see value addition from Blockchain based platforms and how they can make this process faster, reliable and paperless.
The distributed ledger technology underlying cryptocurrency is advancing quickly, requiring banks to take the initiative or risk falling behind in the next generation of digital commerce.
Leading the pack in Blockchain bankingPauline Mura
How IBM can help
As one of the world’s leading research organizations,
and one of the world’s top contributors to open
source projects, IBM is committed to fostering the
collaborative effort required to transform how people,
governments and businesses transact and interact.
IBM provides clients the consulting and systems
integration capabilities to design and rapidly adopt
distributed ledgers, digital identity and blockchain
solutions. IBM helps clients leverage the global scale,
business domain expertise, and deep cloud integration
experience required for the application of these
technologies.
Leading the pack in blockchain banking
Trailblazers set the pace.
The IBM Institute for Business Value with the support of the Economist Intelligence Unit surveyed 200 banks in 16 countries on their experience and expectations with blockchains. What differentiates the early adopters and what can we learn from them?
This report summarizes how Innovative technologies are disrupting the financial industry and how organizations can leverage them to their advantage.
It is a must read for senior executives in banks and other financial service providers (FSPs).
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
As part of Societe Generale Global Solution Centre's 'Tech Connect' initiative, I did a webinar on 18th June 2021 on the topic 'Influence of Fintech on the Banking Sector'.
Blockchain has the potential to help asset managers tackle challenges around data management, providing solutions to clients, and maintaining value for clients. It may allow asset managers to reduce costs through improved data sharing and infrastructure modernization while also creating new revenue opportunities through better data and services. Ultimately, investors could benefit the most from lower costs and improved offerings enabled by blockchain technologies.
The document discusses challenges that large multinational corporations face when opening bank accounts due to stringent know-your-customer (KYC) regulations. It notes that some corporations, like Chevron Phillips, have struggled for over 12 months to clear KYC processes. While regulations aim to prevent financial crimes, banks tend to overcomply in a way that harms customer experience. New technologies like blockchain show promise in streamlining KYC processes, but banks have been slow to adopt them. Overall, the strict application of KYC rules creates difficulties for both large corporations and small businesses in accessing basic banking services.
Blockchain has an array of characteristics, but not limited to, decentralization, transparency, security, and immutability. These characteristics and more make it an extremely appealing choice for businesses across the world.
This document discusses the rapidly changing landscape of technology in the financial services industry from 2020 and beyond. It identifies 10 key technology trends that will impact financial institutions, including the rise of fintech driving new business models, adoption of blockchain, increased use of customer data analytics, growth of cloud computing and cybersecurity risks. The document urges financial institution executives to develop clear technology strategies to navigate these changes and compete successfully in the future.
Blockchain technology gained enormous market attention in the past years, not only by individuals investing in cryptocurrencies but also by international organizations exploring the potential of a decentral ledger technology deployed to eliminate friction. The World Economic Forum predicts that the blockchain technology will store transactions worth 10 percent of the global gross domestic product by 2027, disrupting the way transactions will be processed in the near future.
Industralisation of Distributed Ledger TechnologyRodger Oates
This document discusses the industrialization of distributed ledger technology in banking and financial services. It provides an overview of the transformation potential of distributed ledgers, including disintermediation, increased transparency, and standardization. Potentially disruptive use cases are categorized as value ledgers, information ledgers, and timestamp ledgers. Key business considerations for industrialization include reimagining business models, defining operating models for industry solutions, transitioning existing assets onto distributed ledgers, and establishing standards. The document concludes by assessing the prerequisites and roadmap for moving distributed ledger technology towards mainstream adoption in banking.
This document discusses the concept of "Fintech 2.0" and the opportunities for collaboration between banks and fintech startups. It argues that fintech startups have succeeded in certain areas by developing more user-friendly and cost-effective digital products, but to realize their full potential will need to work more closely with banks who provide access to data, distribution networks, and regulatory expertise. The document outlines several areas where fintech innovation could transform banking, such as using internet of things data, smart data analytics, distributed ledgers, and reducing friction in processes like mortgages and savings. The overall premise is that banks and fintechs should collaborate to mutual benefit, with each providing what the other currently lacks.
The FinTech 2.0 Paper: rebooting financial servicesEdwin Soares
This document discusses the potential for collaboration between banks and financial technology startups (fintechs) to realize "Fintech 2.0". It argues that fintechs have succeeded in certain areas like payments and lending by having fewer regulations, lower costs, and a more digital focus than banks. However, to fundamentally change banking, fintechs must work with banks which have advantages like existing customers, brands, and regulatory expertise. The document outlines opportunities for collaboration between banks and fintechs in areas like using data from the Internet of Things, analyzing "smart data", implementing distributed ledger technology, and creating frictionless processes. It concludes that both banks and fintechs will benefit most from cooperation rather than competition to realize the
Payments innovation is Critical for Every Global EnterpriseXTRMAccount
As fintech software and service innovations continue to disrupt the Financial Services market, even non-financial firms need to think about how to take advantage of this trend to improve
their payments processes for the benefit of the company, their customers and their partners.
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Similar to Onopia - Business Model de Number26 / N26 (20)
Impact de l’IA sur la Révolution de l’industrie des ventes
L’intégration de l’IA, notamment l’IA générative, révolutionne de manière significative la transformation du marketing et des ventes, offrant de nouvelles possibilités. Les entreprises utilisent de plus en plus des plates-formes open source et investissent dans des innovations en matière d’IA générative pour dynamiser leurs activités de vente. Par exemple, des plateformes comme PitchBob offrent des générateurs de discours de vente alimentés par l’IA, permettant aux équipes de vente de créer des présentations visuellement attrayantes, des lettres aux investisseurs, des discours d’ascenseur et bien plus encore. Ces outils révolutionnaires offrent des avantages significatifs aux équipes de vente en automatisant les tâches répétitives, en fournissant une assistance à la rédaction de discours de vente et en améliorant la productivité globale des équipes.
En outre, les clients recherchent de plus en plus des expériences omnicanal, y compris la possibilité de commander en ligne. Les entreprises qui adoptent des technologies avancées de vente, telles que la vente hybride, l’excellence du commerce électronique et l’hyper-personnalisation, sont mieux positionnées pour répondre à ces attentes croissantes. Par exemple, l’IA peut être utilisée pour la segmentation dynamique des publics cibles, des campagnes de suivi par e-mail hyper-personnalisées, des conseils de négociation en temps réel et une intégration personnalisée des nouveaux clients. Ces exemples illustrent comment l’IA révolutionne l’industrie des ventes en offrant des solutions innovantes pour répondre aux demandes émergentes des clients et améliorer l’efficacité des équipes de vente.
Enfin, les leaders commerciaux sont optimistes quant aux cas d’utilisation de l’IA générative et s’attendent à utiliser fréquemment des solutions d’IA générative au cours des deux prochaines années. Cela démontre l’impact potentiel de l’IA sur l’expérience client, la croissance et la productivité dans les domaines du marketing et des ventes.
Avantages de l’utilisation de l’IA dans les discours de vente
L’intégration de l’IA dans les discours de vente présente divers avantages significatifs pour les entreprises. Tout d’abord, l’IA améliore considérablement la personnalisation des sollicitations commerciales. Grâce à des algorithmes sophistiqués, les équipes de vente peuvent créer des messages et des campagnes hautement personnalisés, adaptés aux besoins spécifiques de chaque prospect. Cela renforce la pertinence des interactions commerciales et conduit à une augmentation notable des taux de conversion.
Un aperçu des opportunités et des avantages du marketing assisté par l’intelligence artificielle, y compris l’automatisation des tâches répétitives, l’analyse des données clients, la personnalisation des campagnes et la prédiction des comportements des consommateurs.
Le marketing assisté par l’intelligence artificielle (IA) a révolutionné la manière dont les entreprises interagissent avec leurs clients et façonnent leurs stratégies marketing.
Cette fusion entre le marketing et l'IA offre des opportunités sans précédent pour automatiser les tâches répétitives, personnaliser les campagnes marketing et prédire les comportements des consommateurs, ouvrant ainsi de nouveaux horizons pour les entreprises désireuses de rester compétitives dans un paysage numérique en constante évolution.
En explorant les divers aspects de cette révolution, il est possible de comprendre en profondeur comment le marketing assisté par l'IA révolutionne véritablement le domaine du marketing, tout en ouvrant des opportunités inédites pour les entreprises.
L'application de l'IA dans le marketing a permis de libérer du temps pour des activités plus stratégiques en automatisant les tâches répétitives, améliorant ainsi l'efficacité opérationnelle.
Par exemple, les chatbots alimentés par l'IA peuvent gérer les interactions avec les clients, répondre à leurs questions et les orienter vers les produits ou services appropriés, offrant ainsi une expérience client améliorée.
De plus, l'IA fournit des insights précieux sur les clients en analysant des données provenant de diverses sources telles que les interactions sur les réseaux sociaux, les activités sur le site web et l'historique d'achat.
Ces capacités révolutionnaires de l'IA permettent aux spécialistes du marketing de comprendre plus profondément les besoins et les comportements des consommateurs, ce qui conduit à des campagnes plus perspicaces et efficaces. Par conséquent, le marketing assisté par l'IA révolutionne véritablement la manière dont les entreprises interagissent avec leur public, en offrant des expériences plus personnalisées et en optimisant les performances marketing.
Dans le contexte actuel de l'évolution numérique rapide, il est essentiel pour les entreprises de comprendre en profondeur comment l'IA révolutionne le marketing.
Grâce à l'automatisation des tâches répétitives, les marketeurs peuvent consacrer plus de temps à des activités stratégiques, telles que la création de nouvelles campagnes, l'analyse des performances et l'innovation dans la stratégie marketing.
Au lieu de passer des heures à segmenter manuellement une base de données client, l'IA peut automatiser ce processus, libérant ainsi du temps pour d'autres tâches à plus forte valeur ajoutée.
L'intelligence artificielle (IA) générative a émergé comme l'une des technologies les plus passionnantes et puissantes de notre ère. Parmi ses nombreuses applications, l'une des plus intrigantes est la capacité à fournir une intelligence personnalisée, adaptée aux besoins spécifiques de chaque utilisateur. Dans cette publication, nous explorerons comment l'IA générative peut être utilisée pour créer des solutions intelligentes sur mesure, offrant ainsi une expérience utilisateur unique et adaptée.
L'Intelligence Artificielle (IA) a connu des avancées spectaculaires ces dernières années, et l'IA générative émerge comme une facette fascinante de cette révolution technologique. Elle offre la possibilité de créer du contenu original et créatif de manière autonome. Dans cette publication, nous allons explorer en profondeur ce qu'est l'IA générative, ses mécanismes, ses applications et les implications de cette technologie prometteuse.
L'IA générative est une catégorie d'IA qui se distingue par sa capacité à générer du contenu original plutôt que de simplement interpréter des données. Contrairement aux modèles d'IA traditionnels qui apprennent à partir de données existantes pour effectuer des tâches spécifiques, l'IA générative crée quelque chose de nouveau, que ce soit du texte, des images, de la musique, ou même du code informatique.
Au cœur de l'IA générative se trouvent les réseaux neuronaux génératifs (RNG). Ces réseaux apprennent à partir d'un ensemble de données défini et sont ensuite capables de générer de nouvelles instances qui partagent des caractéristiques similaires à celles du jeu de données d'origine. Par exemple, un RNG formé sur des œuvres artistiques peut créer de nouvelles œuvres d'art originales, combinant des éléments appris à partir des exemples existants. On retrouve ces éléments dans des outils comme D-iD ou Midjourney.
Etude du modèle économique de Kiva, la solution de microcrédit.
Accès à l'étude complète sur : https://onopia.com/kiva-les-prets-qui-changent-des-vies/
Kiva - Le leader mondial du microcrédit pour l'autonomisation économique
Introduction :
Kiva est une organisation à but non lucratif révolutionnaire qui se positionne en tant que leader mondial du microcrédit. Fondée en 2005, Kiva a pour mission de lutter contre la pauvreté en connectant les personnes qui ont besoin d'un soutien financier avec des prêteurs du monde entier. Grâce à sa plateforme en ligne novatrice, Kiva facilite l'accès aux microcrédits et offre des opportunités d'autonomisation économique à des millions d'individus défavorisés à travers le globe.
Résumé des services :
Kiva offre une approche novatrice et transparente pour permettre aux entrepreneurs et aux emprunteurs de bénéficier de microcrédits. Grâce à sa plateforme en ligne intuitive, les emprunteurs peuvent créer un profil et partager leur histoire, leurs besoins et leurs aspirations. Les prêteurs, quant à eux, peuvent parcourir les profils des emprunteurs et choisir de contribuer aux projets qui correspondent à leurs valeurs et à leurs intérêts. Les prêts sont généralement de petite taille, souvent inférieurs à 500 dollars, ce qui permet d'avoir un impact significatif sur la vie des emprunteurs tout en minimisant les risques.
Impact social :
Depuis sa création, Kiva a révolutionné le paysage du microcrédit en permettant aux personnes ordinaires de devenir des acteurs du changement. Avec plus de 3 millions de prêteurs actifs et près de 2 milliards de dollars de prêts distribués, Kiva a soutenu avec succès des milliers de projets entrepreneuriaux dans plus de 80 pays. Ces prêts ont permis aux emprunteurs de lancer ou de développer leur entreprise, d'accéder à l'éducation, de se doter de compétences professionnelles et de subvenir aux besoins de leur famille. Le modèle de Kiva favorise également la durabilité financière en encourageant les emprunteurs à rembourser leurs prêts, ce qui permet aux fonds de continuer à circuler et d'aider d'autres personnes dans le besoin.
Transparence et confiance :
Kiva met un accent particulier sur la transparence et la responsabilité financière. Grâce à sa technologie de pointe, Kiva assure un suivi rigoureux des prêts et fournit des mises à jour régulières aux prêteurs sur l'avancement des projets qu'ils soutiennent. De plus, Kiva maintient un taux de remboursement élevé, ce qui renforce la confiance des prêteurs et garantit que les fonds sont réinvestis dans de nouvelles initiatives.
Conclusion :
Kiva est bien plus qu'une organisation de microcrédit. C'est un mouvement mondial qui transforme des vies, stimule l'innovation économique et brise les cycles de la pauvreté. Grâce à son approche unique, sa plateforme en ligne révolutionnaire et son impact social remarquable, Kiva continue d'inspirer des millions de personnes à travers le monde à croire en un avenir meilleur.
Onopia - Les 4 principales erreurs des entrepreneurs lorsqu'ils se fixent des objectifs !
Onopia est un cabinet spécialisé en innovation de business model, design thinking, expérience client.
Etude du business model de JAM, l'intelligence artificielle au service de la Génération Y.
Etude réalisée par le cabinet Onopia, spécialiste de l'innovation de business models, les stratégies de rupture, l'expérience client et le design thinking. www.onopia.com
Etude du Business Model de Thermomix de la société Vorwrek.
Etude réalisée par le cabinet Onopia, spécialiste de l'innovation de Business Model, du design thinking, de la créativité, de l'expérience client.
www.onopia.com
Slides de la présentation de Peter Keates du cabinet Onopia sur les business models du 30 novembre 2017 qui s"est déroulée sur le campus ESSEC de Cergy Pontoise.
7 BUSINESS MODELS INNOVANTS POUR TROUVER L’INSPIRATION - 7 Secteurs : Education
Comptabilité
Sécurité
Banque
Espaces de travail
Automobile
Place de marché
Extrait de l'une des formations / ateliers, workshop au Design Thinking animés par Onopia. Contactez nous pour connaitre les formations que nous organisations au sein des entreprises : contact@onopia.com
Onopia - Business Model du compte Nickel. Etude réalisée par Onopia, spécialiste du Design Thinking, de la créativité, de l'expérience et de l'innovation de business model. Conseil et formation.
Onopia - le Business Model de Number26 / N26
Etude réalisée par Onopia, spécialiste du Design Thinking, de la créativité, de l'expérience et de l'innovation de business
Onopia - 5 business models disruptifs pour vous inspirer 2016.Etude réalisée par Onopia, spécialiste du Design Thinking, de la créativité, de l'expérience et de l'innovation de business model.
Onopia - 55 Questions pour imaginer ou faire évoluer votre Business Model. Ces 55 questions sont à utiliser conjointement avec le Business Model Canvas d'Alex Osterwalder.
Onopia - Design Thinking, Créativité, Business Model, Expérience Client.
Présentation de l'entreprise, de ses services, outils et méthodes.
Onopia propose des workshop de co-création co-analyse, co-design de produit, service business model.
More from Onopia - Driving Growth Through Disruptive Strategy (18)
Monitoring and Managing Anomaly Detection on OpenShift.pdfTosin Akinosho
Monitoring and Managing Anomaly Detection on OpenShift
Overview
Dive into the world of anomaly detection on edge devices with our comprehensive hands-on tutorial. This SlideShare presentation will guide you through the entire process, from data collection and model training to edge deployment and real-time monitoring. Perfect for those looking to implement robust anomaly detection systems on resource-constrained IoT/edge devices.
Key Topics Covered
1. Introduction to Anomaly Detection
- Understand the fundamentals of anomaly detection and its importance in identifying unusual behavior or failures in systems.
2. Understanding Edge (IoT)
- Learn about edge computing and IoT, and how they enable real-time data processing and decision-making at the source.
3. What is ArgoCD?
- Discover ArgoCD, a declarative, GitOps continuous delivery tool for Kubernetes, and its role in deploying applications on edge devices.
4. Deployment Using ArgoCD for Edge Devices
- Step-by-step guide on deploying anomaly detection models on edge devices using ArgoCD.
5. Introduction to Apache Kafka and S3
- Explore Apache Kafka for real-time data streaming and Amazon S3 for scalable storage solutions.
6. Viewing Kafka Messages in the Data Lake
- Learn how to view and analyze Kafka messages stored in a data lake for better insights.
7. What is Prometheus?
- Get to know Prometheus, an open-source monitoring and alerting toolkit, and its application in monitoring edge devices.
8. Monitoring Application Metrics with Prometheus
- Detailed instructions on setting up Prometheus to monitor the performance and health of your anomaly detection system.
9. What is Camel K?
- Introduction to Camel K, a lightweight integration framework built on Apache Camel, designed for Kubernetes.
10. Configuring Camel K Integrations for Data Pipelines
- Learn how to configure Camel K for seamless data pipeline integrations in your anomaly detection workflow.
11. What is a Jupyter Notebook?
- Overview of Jupyter Notebooks, an open-source web application for creating and sharing documents with live code, equations, visualizations, and narrative text.
12. Jupyter Notebooks with Code Examples
- Hands-on examples and code snippets in Jupyter Notebooks to help you implement and test anomaly detection models.
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Introduction of Cybersecurity with OSS at Code Europe 2024Hiroshi SHIBATA
I develop the Ruby programming language, RubyGems, and Bundler, which are package managers for Ruby. Today, I will introduce how to enhance the security of your application using open-source software (OSS) examples from Ruby and RubyGems.
The first topic is CVE (Common Vulnerabilities and Exposures). I have published CVEs many times. But what exactly is a CVE? I'll provide a basic understanding of CVEs and explain how to detect and handle vulnerabilities in OSS.
Next, let's discuss package managers. Package managers play a critical role in the OSS ecosystem. I'll explain how to manage library dependencies in your application.
I'll share insights into how the Ruby and RubyGems core team works to keep our ecosystem safe. By the end of this talk, you'll have a better understanding of how to safeguard your code.
OpenID AuthZEN Interop Read Out - AuthorizationDavid Brossard
During Identiverse 2024 and EIC 2024, members of the OpenID AuthZEN WG got together and demoed their authorization endpoints conforming to the AuthZEN API
AI 101: An Introduction to the Basics and Impact of Artificial IntelligenceIndexBug
Imagine a world where machines not only perform tasks but also learn, adapt, and make decisions. This is the promise of Artificial Intelligence (AI), a technology that's not just enhancing our lives but revolutionizing entire industries.
Generating privacy-protected synthetic data using Secludy and MilvusZilliz
During this demo, the founders of Secludy will demonstrate how their system utilizes Milvus to store and manipulate embeddings for generating privacy-protected synthetic data. Their approach not only maintains the confidentiality of the original data but also enhances the utility and scalability of LLMs under privacy constraints. Attendees, including machine learning engineers, data scientists, and data managers, will witness first-hand how Secludy's integration with Milvus empowers organizations to harness the power of LLMs securely and efficiently.
Your One-Stop Shop for Python Success: Top 10 US Python Development Providersakankshawande
Simplify your search for a reliable Python development partner! This list presents the top 10 trusted US providers offering comprehensive Python development services, ensuring your project's success from conception to completion.
Webinar: Designing a schema for a Data WarehouseFederico Razzoli
Are you new to data warehouses (DWH)? Do you need to check whether your data warehouse follows the best practices for a good design? In both cases, this webinar is for you.
A data warehouse is a central relational database that contains all measurements about a business or an organisation. This data comes from a variety of heterogeneous data sources, which includes databases of any type that back the applications used by the company, data files exported by some applications, or APIs provided by internal or external services.
But designing a data warehouse correctly is a hard task, which requires gathering information about the business processes that need to be analysed in the first place. These processes must be translated into so-called star schemas, which means, denormalised databases where each table represents a dimension or facts.
We will discuss these topics:
- How to gather information about a business;
- Understanding dictionaries and how to identify business entities;
- Dimensions and facts;
- Setting a table granularity;
- Types of facts;
- Types of dimensions;
- Snowflakes and how to avoid them;
- Expanding existing dimensions and facts.
Digital Marketing Trends in 2024 | Guide for Staying AheadWask
https://www.wask.co/ebooks/digital-marketing-trends-in-2024
Feeling lost in the digital marketing whirlwind of 2024? Technology is changing, consumer habits are evolving, and staying ahead of the curve feels like a never-ending pursuit. This e-book is your compass. Dive into actionable insights to handle the complexities of modern marketing. From hyper-personalization to the power of user-generated content, learn how to build long-term relationships with your audience and unlock the secrets to success in the ever-shifting digital landscape.
Project Management Semester Long Project - Acuityjpupo2018
Acuity is an innovative learning app designed to transform the way you engage with knowledge. Powered by AI technology, Acuity takes complex topics and distills them into concise, interactive summaries that are easy to read & understand. Whether you're exploring the depths of quantum mechanics or seeking insight into historical events, Acuity provides the key information you need without the burden of lengthy texts.
Programming Foundation Models with DSPy - Meetup SlidesZilliz
Prompting language models is hard, while programming language models is easy. In this talk, I will discuss the state-of-the-art framework DSPy for programming foundation models with its powerful optimizers and runtime constraint system.
Unlock the Future of Search with MongoDB Atlas_ Vector Search Unleashed.pdfMalak Abu Hammad
Discover how MongoDB Atlas and vector search technology can revolutionize your application's search capabilities. This comprehensive presentation covers:
* What is Vector Search?
* Importance and benefits of vector search
* Practical use cases across various industries
* Step-by-step implementation guide
* Live demos with code snippets
* Enhancing LLM capabilities with vector search
* Best practices and optimization strategies
Perfect for developers, AI enthusiasts, and tech leaders. Learn how to leverage MongoDB Atlas to deliver highly relevant, context-aware search results, transforming your data retrieval process. Stay ahead in tech innovation and maximize the potential of your applications.
#MongoDB #VectorSearch #AI #SemanticSearch #TechInnovation #DataScience #LLM #MachineLearning #SearchTechnology
Salesforce Integration for Bonterra Impact Management (fka Social Solutions A...Jeffrey Haguewood
Sidekick Solutions uses Bonterra Impact Management (fka Social Solutions Apricot) and automation solutions to integrate data for business workflows.
We believe integration and automation are essential to user experience and the promise of efficient work through technology. Automation is the critical ingredient to realizing that full vision. We develop integration products and services for Bonterra Case Management software to support the deployment of automations for a variety of use cases.
This video focuses on integration of Salesforce with Bonterra Impact Management.
Interested in deploying an integration with Salesforce for Bonterra Impact Management? Contact us at sales@sidekicksolutionsllc.com to discuss next steps.
Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
available on those devices, but many of the features provide convenience and capability but sacrifice security. This best practices guide outlines steps the users can take to better protect personal devices and information.
2. Case Study
Number26 / N26
peter.keates@onopia.com
Etude réalisée par Peter Keates
Thématique étudiée :
Banque - Mobile
Low-cost - BtoC
DocumentV2.0 MAJ du 3 octobre 2017
4. Les utilisateurs de services bancaires
mobiles en forte croissance !
Source : Juniper Research, KPMG
+192% +119%
*Prévisions
5. Business Model, Business Model Canvas, Business Model Innovation, Modèle économique, stratégie disruptive, disruptive strategy, disruptive innovation, innovation, design thinking, alex
osterwalder, strategyzer, Business Model, inc, board of strategy, board of, board, onopia, design thinking, customer experience, expérience client, formation, tips, training, france, paris,
startup, clayton m christensen, harvard, harvard business school, escp europe, europe , hec, insead, polytechnique, tv.onopia.com, onopia.com, growthhacking, marketing, peter keates,
success, exemple de business models, entrepreneur, technologie, internet, co-working, co-design, birming, co-strategie, co-working, regus, coworking, codesign, it, coward, costrategy,
costrategie, espace de, nextdoor, bureaux partagés, auto entrepreneur , designers, france, usa, yves pigneur, uk, paris-saclay, essec, em-lyon, travail collaboratif, conseil en, espaces de
coworking, success stories, story, bpi france, la poste, groupe, group, lyon, lille, nantes, toulouse, bordeaux, bretagne, ile de france, est, ouest, sud, étude gratuite, business model gratuit,
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intrapreneur,digital, communauté, exemple de business model, exemple de modèle économique, place de marché, marketplace, disruption, rupture, design de service, design de produit
design thinking, fintech, finance, banque, customer experience, expérience client, N26
Un problème..
19. Business Model, Business Model Canvas, Business Model Innovation, Modèle économique, stratégie disruptive, disruptive strategy, disruptive innovation, innovation, design thinking, alex osterwalder, strategyzer, Business Model, inc, board of strategy, board of, board, onopia, design thinking, customer experience, expérience client, formation, tips,
training, france, paris, startup, clayton m christensen, harvard, harvard business school, escp europe, europe , hec, insead, polytechnique, tv.onopia.com, onopia.com, growthhacking, marketing, peter keates, success, exemple de business models, entrepreneur, technologie, internet, co-working, co-design, birming, co-strategie, co-working, regus,
coworking, codesign, it, coward, costrategy, costrategie, espace de, nextdoor, bureaux partagés, auto entrepreneur , designers, france, usa, yves pigneur, uk, paris-saclay, essec, em-lyon, travail collaboratif, conseil en, espaces de coworking, success stories, story, bpi france, la poste, groupe, group, lyon, lille, nantes, toulouse, bordeaux, bretagne, ile de
france, est, ouest, sud, étude gratuite, business model gratuit, modèle économique, modèle de revenu, innovant, innovation, inno, ino, concept, nouveau, new, www.onopia.com, onopia.com, bigidea.onopia.com, ai, marketing, entrepreneur, intrapreneur,digital, communauté, exemple de business model, exemple de modèle économique, place de marché,
marketplace, disruption, rupture, design de service, design de produit design thinking, fintech, finance, banque, customer experience, expérience client,
28. 500.000 clients
dans le monde
en 24 mois !
Source N26 - 2017 - https://www.lesechos.fr/finance-marches/banque-assurances/030564056724-la-neobanque-n26-passe-le-cap-des-100000-clients-en-france-2114303.php
29. 100.000 clients
en France
en 9 mois !
Source N26 - 2017 - https://www.lesechos.fr/finance-marches/banque-assurances/030564056724-la-neobanque-n26-passe-le-cap-des-100000-clients-en-france-2114303.php
30. 5 Milliards €
de transactions
réalisées dans le monde
depuis l’ouverture
Source N26 - 2017 - https://www.lesechos.fr/finance-marches/banque-assurances/030564056724-la-neobanque-n26-passe-le-cap-des-100000-clients-en-france-2114303.php
39. Découvrez sur Big Idea, de nombreuses études de
Business Models, des idées, des astuces et bien plus
encore, pour rendre votre entreprise plus compétitive
www.onopia.com/big-idea
40. Notre offre
Onopia regroupe les compétences complémentaires de consultants en Design Thinking,
Créativité, Innovation de Business Model, Design d’Expérience Client et Socio-
Anthropologie.
Nous proposons deux formes d’intervention : l’accompagnement & la formation
Quelques exemples d’interventions :
• Création d’un nouveau produit et service innovant,
• Etude des besoins client / marché,
• Formation de collaborateurs à l’innovation de business models, au design thinking, à
la créativité,
• Accompagnement du CODIR de grands groupes dans la réflexion et la redéfinition de
nouveaux Business Models / Offres,
• Design d’expérience client,
• Définition de scénarios externes risquant de modifier le futur d’une entreprise..
VISITER ONOPIA.COM