The presentation explains how virtually every product and service in the financial services industry will be affected by new business models and the a new set of expectations, behaviours and needs from digital natives.
How to create people-centric services enabled by personal dataClaro Partners Inc.
From data-centric to people-centric perspective
From privacy discussion to understanding how to deliver trust, transparency, control and benefit
Introduce our toolkit to create people-centric services enabled by personal data
Five Misconceptions about Personal Data - Dataconomy Barcelona -Claro Partners Inc.
The vast amounts of personal data that we produce (email, text, search, payments...) has been triumphantly declared a “new asset class” by the WEF and compared to oil as the world’s newest economic resource. This has sparked a frantic race to gather it.
This gold rush obscures the real value of personal data, and forgets a fundamental rule of innovation: start with the person. Why has this basic principle been largely absent from our obsession with big data?
To design effective user-focused services, we need to use data. We need to understand how people are using the service, what works for them and what doesn’t. There can be no service without data.
But as designers, we have to focus on user needs. That means we need to address users’ data needs as well as their service needs. We must design good services based on good data that don’t infringe on people’s privacy. This means we have to look at questions like: what data is my service collecting? How and when is this data being used? Who has access to this data and who owns it? And how do we keep it secure?
As service designers working with data on a daily basis, Maria Izquierdo and Martin Jordan want to raise awareness of the value of data to services. And they also want to discuss fundamental questions around what happens to that data.
Maria is a designer interested in diversity, digital culture and the public. Martin helps create better public services in the UK and researches service innovation in Finland. Both Maria and Martin work as service designers at the UK’s Government Digital Service in London.
This edition of Service Design Drinks was hosted at HERE in Berlin-Mitte.
When you hear “digital” most people start to think about Google, Facebook or other technology companies. But now transforming into a digital company is the strategic objective for many companies across multiple sectors. We see digitisation as the driving strategy for many global business; GE’s strategy is to become the first digital industrial company and is moving its headquarters to Boston to be closer to MIT (Massachusetts Institute of Technology). Deutsche Bank wants to transform into a digital bank, and Sephora is digitising the world of beauty. The transformation is not just how these companies manage clients and deliver services through the web and smart phone apps, but back office processes, enhancing organisational agility, speeding up supply chains and recreating whole service offerings to make life easier or better for clients.
How to create people-centric services enabled by personal dataClaro Partners Inc.
From data-centric to people-centric perspective
From privacy discussion to understanding how to deliver trust, transparency, control and benefit
Introduce our toolkit to create people-centric services enabled by personal data
Five Misconceptions about Personal Data - Dataconomy Barcelona -Claro Partners Inc.
The vast amounts of personal data that we produce (email, text, search, payments...) has been triumphantly declared a “new asset class” by the WEF and compared to oil as the world’s newest economic resource. This has sparked a frantic race to gather it.
This gold rush obscures the real value of personal data, and forgets a fundamental rule of innovation: start with the person. Why has this basic principle been largely absent from our obsession with big data?
To design effective user-focused services, we need to use data. We need to understand how people are using the service, what works for them and what doesn’t. There can be no service without data.
But as designers, we have to focus on user needs. That means we need to address users’ data needs as well as their service needs. We must design good services based on good data that don’t infringe on people’s privacy. This means we have to look at questions like: what data is my service collecting? How and when is this data being used? Who has access to this data and who owns it? And how do we keep it secure?
As service designers working with data on a daily basis, Maria Izquierdo and Martin Jordan want to raise awareness of the value of data to services. And they also want to discuss fundamental questions around what happens to that data.
Maria is a designer interested in diversity, digital culture and the public. Martin helps create better public services in the UK and researches service innovation in Finland. Both Maria and Martin work as service designers at the UK’s Government Digital Service in London.
This edition of Service Design Drinks was hosted at HERE in Berlin-Mitte.
When you hear “digital” most people start to think about Google, Facebook or other technology companies. But now transforming into a digital company is the strategic objective for many companies across multiple sectors. We see digitisation as the driving strategy for many global business; GE’s strategy is to become the first digital industrial company and is moving its headquarters to Boston to be closer to MIT (Massachusetts Institute of Technology). Deutsche Bank wants to transform into a digital bank, and Sephora is digitising the world of beauty. The transformation is not just how these companies manage clients and deliver services through the web and smart phone apps, but back office processes, enhancing organisational agility, speeding up supply chains and recreating whole service offerings to make life easier or better for clients.
What industries have been digitally disrupted? What are being disrupted? What types of digital disruption are there? Where should you focus your digital disruption/transformation efforts?
Customer Service: A human-shaped manifestoDesignit
At Wipro Digital and Designit we have been working for more than ten years in applying the principles of Human-Centered Innovation to many customer service projects in a great variety of industries.
And the elephant in the room is, there is a growing gulf between the needs and expectations of customers, and the everyday realities of customer service.
These are five things we have learnt. We believe applying these learnings can help you close the gap, and build a next-generation, human-shaped customer service.
Machine learning is changing the way we do everything: decide who is credit worthy, who should be freed from prison, which children are at risk of abuse and who should see which news. But machine learning comes with trade-offs. In this keynote, examine how machine learning will reshape business strategy, examine the ethics and politics of using machine learning to make important decisions and use case studies to explore how regulation may change the nature of business strategy.
The exponential pace of change is continuing in the Digital Economy. Just as you were getting used to making web, mobile, social, cloud and analytics work in your businesses, along comes the next set of super-disruptors.
Named winner of Digital Workplace of the Year award in 2018 by DWG in partnership with SMG/CMSWire, Liberty Mutual is an example of one of the most well-executed, high-performing digital workplace environments. This workshop will look at the journey to build an Intelligent Workplace platform exploring the productivity burdens employees face, use of digital assistants and chatbots and the importance of enhancing the employee experience.
Next Generation Digital Enterprise (Workplace) Technology | Enterprise Digita...Dion Hinchcliffe
I explored how the digital workplace is evolving i 2017, and how systems of record and systems of engagement are at last starting to come together. With IoT, artificial intelligence, and people-centric enablement, digital workplace is at its most exciting point in recent memory. From my keynote at Enterprise Digital Arena at CeBIT today.
Financial services 2.0 Innovation, Disruption, Automation and TrustBob Bonomo
Redefinition of the traditional financial services landscape, driven by innovative technologies such as Blockchain, Big Data and Artificial Intelligence.
Digital Business Transformation | Strategy + Executionfeature[23]
Speed of innovation and certainty of your digital technology strategy is your new IP.
Market leading brands know they are competing in the 3rd Industrial Revolution – The Software Economy – and they will live or die by their digital adoption. Companies mature in digital business transformation are outperforming, making more money, and are more profitable than their peers.
These Digital Leaders are proactively transforming their business models and leading their segments through the frenetic pace of social, mobile, analytics, cloud, and the Internet of Everything. Unfortunately, digital is still shrouded in confusion, viewed as a cost center, and punished with inadequate funding.
How do you transform modern businesses at scale by creating technology-based capabilities, products, services, and business outcomes that delivers your authentic brand promise?
Blockchain, IoT and AI are foundational to the Fourth Industrial Revolution -...David Terrar
This is my keynote session at Channel Live on 12 September 2019. It covers Blockchain explaining what it is and isn’t. I cover why it is so transformational relevant for any Business Model. I go through real world case studies, not just proof of concepts.
I touch on what implementations and frameworks exist and should be considered? I then talk about what the future look like?
Blockchain is significant and business systems will evolve because of it. I move on to IoT (M2M), Industry 4.0 and why are they important. I explain the underlying factors and what the opportunity is for a reseller. I go on to demystify AI. What is it and why should you be interested now? Lastly I talk through why you should you factor blockchain, IoT and AI into your plans.
apidays LIVE Hong Kong 2021 - How to start a tech community by Jenks Guo, Lin...apidays
apidays LIVE Hong Kong 2021 - API Ecosystem & Data Interchange
August 25 & 26, 2021
How to start a tech community
Jenks Guo, Partner Solutions Lead at Linktree
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.
Estimations are that by year 2025, the proliferation of virtual, augmented and mixed reality tools throughout everyday life and work will be similar to that of PC, web, and mobile today.
We are defining these experiential tools “Digital Reality” and they will drastically transform how we work, we communicate, we learn, and we create.
In this edition of “The 10 Renowned E-Banking Solution Providers of 2021” we are enlisting organizations that are most renowned for offering reliable and innovative E-Banking Solutions. Featuring on the cover of this edition is VeriPark, a global solutions provider for financial institutions. Since its inception, the company is helping its clients to turn their processes into digital environments. It works collaboratively with clients to develop innovative technology strategies and solutions, touching millions of people every day and bringing the promise of digital transformation to life.
Rethinking Banking for an Always in Beta WorldAnthemis
Always in Beta unites human-centered design and business model innovation to help financial institutions reimagine their relationships to consumers. A project of Claro Partners and Anthemis Group, Always in Beta launched in early 2015 to help six international financial institutions – including BBVA, ING, Bank of Ireland, and Standard Bank – understand and respond to their changing customer base and the emerging financial technology landscape. The project took the team into six cities to conduct ethnographic field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. We’ve released some of what we learned about the next-generation financial services customer and the future of financial services in this report.
What industries have been digitally disrupted? What are being disrupted? What types of digital disruption are there? Where should you focus your digital disruption/transformation efforts?
Customer Service: A human-shaped manifestoDesignit
At Wipro Digital and Designit we have been working for more than ten years in applying the principles of Human-Centered Innovation to many customer service projects in a great variety of industries.
And the elephant in the room is, there is a growing gulf between the needs and expectations of customers, and the everyday realities of customer service.
These are five things we have learnt. We believe applying these learnings can help you close the gap, and build a next-generation, human-shaped customer service.
Machine learning is changing the way we do everything: decide who is credit worthy, who should be freed from prison, which children are at risk of abuse and who should see which news. But machine learning comes with trade-offs. In this keynote, examine how machine learning will reshape business strategy, examine the ethics and politics of using machine learning to make important decisions and use case studies to explore how regulation may change the nature of business strategy.
The exponential pace of change is continuing in the Digital Economy. Just as you were getting used to making web, mobile, social, cloud and analytics work in your businesses, along comes the next set of super-disruptors.
Named winner of Digital Workplace of the Year award in 2018 by DWG in partnership with SMG/CMSWire, Liberty Mutual is an example of one of the most well-executed, high-performing digital workplace environments. This workshop will look at the journey to build an Intelligent Workplace platform exploring the productivity burdens employees face, use of digital assistants and chatbots and the importance of enhancing the employee experience.
Next Generation Digital Enterprise (Workplace) Technology | Enterprise Digita...Dion Hinchcliffe
I explored how the digital workplace is evolving i 2017, and how systems of record and systems of engagement are at last starting to come together. With IoT, artificial intelligence, and people-centric enablement, digital workplace is at its most exciting point in recent memory. From my keynote at Enterprise Digital Arena at CeBIT today.
Financial services 2.0 Innovation, Disruption, Automation and TrustBob Bonomo
Redefinition of the traditional financial services landscape, driven by innovative technologies such as Blockchain, Big Data and Artificial Intelligence.
Digital Business Transformation | Strategy + Executionfeature[23]
Speed of innovation and certainty of your digital technology strategy is your new IP.
Market leading brands know they are competing in the 3rd Industrial Revolution – The Software Economy – and they will live or die by their digital adoption. Companies mature in digital business transformation are outperforming, making more money, and are more profitable than their peers.
These Digital Leaders are proactively transforming their business models and leading their segments through the frenetic pace of social, mobile, analytics, cloud, and the Internet of Everything. Unfortunately, digital is still shrouded in confusion, viewed as a cost center, and punished with inadequate funding.
How do you transform modern businesses at scale by creating technology-based capabilities, products, services, and business outcomes that delivers your authentic brand promise?
Blockchain, IoT and AI are foundational to the Fourth Industrial Revolution -...David Terrar
This is my keynote session at Channel Live on 12 September 2019. It covers Blockchain explaining what it is and isn’t. I cover why it is so transformational relevant for any Business Model. I go through real world case studies, not just proof of concepts.
I touch on what implementations and frameworks exist and should be considered? I then talk about what the future look like?
Blockchain is significant and business systems will evolve because of it. I move on to IoT (M2M), Industry 4.0 and why are they important. I explain the underlying factors and what the opportunity is for a reseller. I go on to demystify AI. What is it and why should you be interested now? Lastly I talk through why you should you factor blockchain, IoT and AI into your plans.
apidays LIVE Hong Kong 2021 - How to start a tech community by Jenks Guo, Lin...apidays
apidays LIVE Hong Kong 2021 - API Ecosystem & Data Interchange
August 25 & 26, 2021
How to start a tech community
Jenks Guo, Partner Solutions Lead at Linktree
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.
Estimations are that by year 2025, the proliferation of virtual, augmented and mixed reality tools throughout everyday life and work will be similar to that of PC, web, and mobile today.
We are defining these experiential tools “Digital Reality” and they will drastically transform how we work, we communicate, we learn, and we create.
In this edition of “The 10 Renowned E-Banking Solution Providers of 2021” we are enlisting organizations that are most renowned for offering reliable and innovative E-Banking Solutions. Featuring on the cover of this edition is VeriPark, a global solutions provider for financial institutions. Since its inception, the company is helping its clients to turn their processes into digital environments. It works collaboratively with clients to develop innovative technology strategies and solutions, touching millions of people every day and bringing the promise of digital transformation to life.
Rethinking Banking for an Always in Beta WorldAnthemis
Always in Beta unites human-centered design and business model innovation to help financial institutions reimagine their relationships to consumers. A project of Claro Partners and Anthemis Group, Always in Beta launched in early 2015 to help six international financial institutions – including BBVA, ING, Bank of Ireland, and Standard Bank – understand and respond to their changing customer base and the emerging financial technology landscape. The project took the team into six cities to conduct ethnographic field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. We’ve released some of what we learned about the next-generation financial services customer and the future of financial services in this report.
Banking in the Digital Era - Microsoft India PerspectiveMicrosoft India
Authored by Basudev Banerjee, Industry Marketing Lead, Microsoft & Vishnu Bhavaraju, Enterprise Strategy Architect, Microsoft, this document outlines Microsoft’s understanding of the digital and service delivery framework, target operating models and suggested business solution architecture and footprint within the BFSI vertical.
Potluck? Coinluck!
Bring coins to share and wish luck each other.
We empower people to lend and borrow their asset and credit.
Look into Kemoim, our first product.
https://kemoim.com
Welcome to The Business Fame’s exclusive issue; "2020’s Leading Fintech Companies to Watch" here we have highlighted some companies whose efforts for innovations in FinTech industry is growing very fast with its simple and convenient solutions.
Bank of the future: Digital Transformation StrategyNawaf Albadia
A guide to planning and executing Digital Transformation Strategy to build your Digital Bank of the Future. A framework to implement digital experience, digital business and digital innovation
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 will be on the business agenda for the foreseeable future. Using service design thinking can bring another level of capabilities to organisations by bringing in the crucial human perspective that makes any digital endeavour more relevant.
Going Digital: What Banking Leaders Need to KnowCognizant
To compete in the digital era, banks need to embrace data, put customers first and manage organizational change -- three concepts, one payoff. Here's how your bank can put it all together.
Different Types of Financial Institutions 2024...pptxM1NXT
The ever-going evolution and advancements in technology and related services have changed the world in almost every aspect. The change is also visible in the world of finance. If one is not well-versed in these technological updates, they might feel baffled simply by so much going on around them, especially if they’re associated with financial management and institutions in any capacity.
Visit: https://medium.com/@m1nxt/different-types-of-financial-institutions-2024-4ba837a7a175
It’s clear how Incumbent banks are met with unprecedented market forces. Fintech and neobanks—new financial players that offer more and more exciting financial products—are eating up banking market shares. Meanwhile, the growing use of alternative payments such as PayPal, Samsung Pay, Apple Pay, and so on points to the fact that customers are finding traditional banks inconvenient and untrustworthy. At the same time, people are walking away from physical branches; instead preferring mobile banking for ease and convenience, according to a recent report by Backbase. On top of that, the government continues to encourage Digital Banking, made apparent by the government’s recent directives. These factors may sound like twists and turns that took traditional banks by surprise, yet they point to the refusal to change and innovate in the face of digital disruption. Now that change becomes a matter of life and death for banks, there’s an evident need for a shift in mindset and principle called Design Thinking. This paper looks over the relevance and application of Design Thinking in the banking sector. You will also get to explore how some current banks are applying this method. The promise of Design Thinking for banks proves beyond doubt. Now let’s dive in.
ROBO ADVISOR, YOUR RELIABLE PARTNER? Building a trustworthy digital investing...Anni Kristiina Salo
Robo advisors have entered the financial services market and are predicted to democratise the entire industry by bringing investment management services available to a wider public than ever before.
This study assist in understanding customers and business models in digital investing services context and can be especially useful for executives, business developers and consultants working with building digital offerings for investment management companies.
Private bankers could be forgiven a sense of deja-vu as 2014 unfolds. A quick glance at the trade press suggests that for many it’s a case of “new year, same challenges”. So, what does the future hold for wealth management marketing strategy? Do more cost-effective models exist for private banks and wealth advisers and what role can digital technology play in helping the wealth community broaden its appeal amongst HNWI as well as newer and more profitable segments.
Similar to "Rethinking the Customer" - Disruptive Shifts in Financial Services: The Customer Perspective | Next Bank Europe Conference (20)
This is an excerpt from the Claro Toolkit for networked business models. Contact aldo@startupbootcamp.org for more info or interested in the full toolkit that has a total of 30 tools
NEW HUMAN CAPABILITIES IN A DYNAMIC WORKPLACE
Point of view document December 2015
Large organisations are experimening with implementing lean methodologies, design thinking and open innovation to step up their innovation capabilities. However, these practices are not simply 'out of the box' processes that can be adopted into the current work model. To leverage their potential, we need a whole new way of working that is customer centric, commercially disciplined, and experimental.
Claro Partners set out to understand this new way of working by talking to and immersing into new types of organisations that are forging new human capability practices. We focused on three key elements of human capabilities to support new innovation practices: a new organisational design, a new type of employee, and a new work experience. This document shares our perspective on why organisations need a different way of working and describes how to achieve this through reframing the way we think about these three key elements. It's based on our own practice and research around the world with leading organisations.
Home-based records (HBRs) are a vital tool that can support countries in achieving and sustaining high levels of vaccination coverage.
However, many countries continue to face challenges, including low retention rates by parents, difficulties in the printing and distribution of the document, and training health workers in its appropriate use.
The goal of this Home-based Records Revitalization Workshop was to improve the design and functionality of countries’ home-based records, with a focus on both the design of the record and the system that supports it.
The focus on immunization was chosen as an opportunity to demonstrate a systemized approach that can be applied to other elements of integrated health systems and materials.
The workshop focused on improving:
1. The design of the record from the immunization program perspective.
2. The broader system that supports the HBR, from approval and production to distribution and use.
Design Thinking workshop - Doing good doing well 2018, IESEClaro Partners Inc.
Intrigued by innovation enabling social impact? Interested in learning how to use the fundamentals of design thinking?
Participants will meet experienced professionals from the international innovation and service design consulting firm, in a speed brainstorming workshop to develop early-stage ideas. Claro will use their expertise in solving business and human problems to guide you through the steps of inspiration and ideation, brainstorming, strategic and tactical planning, and activation processes. This workshop will demonstrate how you could use innovation and design thinking to solve a real-world problem via a social enterprise.
Translating deep understanding of human need into scalable insights
Rapid change, increased interconnectivity and rising socioeconomic complexity make it increasingly difficult for corporations to stay relevant to their users in the long term.
Claro will build on our findings from the urban mobility research to illustrate how corporations need to move from solving immediate problems, to problem exploration.
By combining our understanding of human needs from our ethnographic research and mapping out global emerging value propositions, Claro has developed actionable tools and frameworks to create unique solutions in the urban mobility space. The tools and frameworks developed by Claro are not necessarily industry specific, and this makes them ideal when scalability is needed across industries and geographies to influence large scale issues.
Rethinking banking for an Always in Beta world - Money2020 presentationClaro Partners Inc.
This is the presentation, Claro's co-founder, Aldo de Jong, presented at the Money2020 conference in April 2016. The full report can be downloaded at alwaysinbeta.org
Key challenges that startups face and how 6 modules of training and mentoring can help them be successful and accelerate their growth.
Presented by Aldo de Jong, founder of Claro Partners and Startupbootcamp IoT & Data, at Smart City Expo 2015 in Barcelona and at the BBVA Startup League 2015
Introductory presentation for the two day IoT lab at hubraum in Berlin, sponsored by Intel, organised by WebVisions and delivered by Claro Partners.
IoT Labs bring together designers, developers, makers and strategists to learn, create and prototype people centred offerings in the Internet of Things . In only two days teams go from exploring the IoT to prototyping and pitching new IoT business ideas using Claro's tools like the IoT landscape, IoT canvas and need frameworks.
A Guide to Succeeding in the Internet of Things provides innovators, designers, engineers and strategists with shared tools and a vocabulary to collaborate and create fresh, viable product and service concepts in the Internet of Things (IoT).
Five Teams worked hard for two days to concept, develop, and produce IoT prototypes and business models - around the theme of Social Good. This was organised in association with Webvisions Conference. The slides are brief summaries of the teams' ideas.
Service Design for networked business models - Presentation at Design Confere...Claro Partners Inc.
With increased connectivity, networks at both a global and local level are growing rapidly whilst new communities can develop and flourish through digital channels. These allow for resources to be shared, swapped, borrowed and traded; bearing a new economy that favours access over ownership.
This is a dramatically different user experience context that demands a transformation of our approach to service design. In this session we will share findings from our global research that explored the experiences and opportunities involved in moving from an ownership economy to one built on access and sharing. In this presentation we present guidelines for creating value exchange networks and share some tools we’ve developed for creating networked services and business models in the sharing economy.
See also video of a similar presentation delivered as TED talk: http://youtu.be/b22vSxLXMsY
Bringing IoT ideas to life: start from the user ... not the API! - API days 2...Claro Partners Inc.
Bringing IoT ideas to life: start from the user ... not the API! - API days 2014 in Barcelona. Presentation by Aldo de Jong, co-founder Claro Partners and Startupbootcamp Data & IoT.
The login details to the PREVIEW version of the interactive emerging business landscapes that were presented at the conference are:
Personal Data Economy landscape
claropartners.com > client login
uname: Claro-guest-pde
pword: pdepreview
IoT landscape
claropartners.com > client login
uname: Claro-guest-iot
pword: iotpreview
Contact us at landscapes@claropartners.com to discuss ways to get full access.
Startupbootcamp Data & IoT and IoT lab - presentation at betahausClaro Partners Inc.
Presentation about the Startupbootcamp Data & IoT and IoT Labs - two initiatives from Claro Partners to help IoT entrepreneurs be successful with tools and mentoring.
The Internet of Things (IoT) presents a rapidly growing opportunity for companies in the technology space. However, the ecosystem of the IoT is complex, fragmented and has many dimensions (products, services, companies, geographies). Claro Partners recently completed a project to understand the Internet of Things landscape as it stands now, and to identify opportunity spaces within it. In this session we will build on this research to argue that the future of the IoT lies in value-added services built across platforms and devices, that create meaningful experiences and enhance people’s lives.
We have created an interactive Internet of Things business landscape, mapping 350 initiatives across 100 value propositions. Through this map, we will preview the vast landscape of value propositions across the IoT and the new business models they launch. We will uncover the opportunities that arise when creators look beyond simple track-and-trace applications or remote-control mechanisms and make the leap towards products which offer emotional benefits to users and enable meaningful object-mediated dialogues between people.
Presented at Big Data Week conference in Barcelona May 2014 at CCCB
Panel moderated by Aldo de Jong, Claro Partners & Startupbootcamp Data & IoT, BCN - @claropartners
with:
Ferran Gascon Burgada, Agroptima @agroptima
Angel Garcia, Founding Partner, Lanta Digital Ventures @angelgarciabcn
Lars Stalling, User Driven Service Innovation, Telefonica Digital @larsst
The panel covered the following questions after an introduction:
What will it take for the IoT to take off?
how we can help IoT startups to be successful?
what can enablers do to help IoT startups?
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
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What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
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Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
"Rethinking the Customer" - Disruptive Shifts in Financial Services: The Customer Perspective | Next Bank Europe Conference
1. Re-‐thinking
the
customer
Disrup3ve
shi5s
in
financial
services:
the
customer
perspec3ve
Next
Bank
Europe,
Barcelona,
September
2014
Aldo
de
Jong,
Co-‐Founder
at
Claro
Partners
and
Startupbootcamp
IoT
&
Data
2. Jiri
Belgium
Aldo
Netherlands
Rich
USA
Megan
UK
Mandy
Lebanon
Elisabeth
Netherlands
Gunes
Turkey
Abby
USA
Claro
helps
corpora>ons
and
startups
to
navigate
disrup3ve
shi5s
in
society
and
business,
delivering
service
design
and
business
innova3on
12. Currency
exchange
Payments
Loans
Financial
management
Transfers
&
micro-‐financing
Angel
funding
Credit
card
issuing
Credit
card
authorisa3on
Transac3ons
Risk
assessment
Cheque
deposit
Financial
statements
Currency
Investment
management
All
the
func3ons
across
tradi>onal
financial
services
are
being
disrupted.
13. Digital
Na?ves
are
deeply
scep?cal
of
conven?onal
financial
ins?tu?ons
and
would
rather
discover
and
create
their
own
solu?ons.
Financial
ins?tu?ons
cannot
simply
respond
by
being
“more
digital”.
14. They..
WORK
PLAY
SOLVE
LIVE
TRAVEL
LEARN
MULTI-‐TASK
CONNECT
..differently.
15. Digital
na>ves
grew
up
in
a
fast-‐paced
world
surrounded
by
fast
changing
technologies
“How
can
your
organiza?on
be
flexible
and
quicker
to
respond
to
the
new
expecta?ons?”
16. Digital
Na>ves
are
not
impressed
by
technology,
nor
do
they
have
an
inherent
interest
in
technology
itself.
“How
do
you
create
a
financial
service
that
delivers
real
value,
using
technology
as
a
tool?”
17. Digital
na>ves
are
all
about
self
expression
and
meaningful
connec>ons
to
others
“How
can
you
turn
banking
into
a
meaningful
ac?vity
and
create
an
opportunity
to
connect?”
18. They
create
their
own
experiences
through
experimenta>on,
looking
at
how
others
have
done
it
before,
mixing
and
matching.
“How
does
a
bank
facilitate
customers
to
create
their
own
personal
banking
experiences?”
19. Digital
na>ves
use
their
mobile
devices
as
their
primary
screens,
developing
their
own
expecta>ons
on
mobility.
“Is
mobile
going
to
stay
their
first
reference
for
online
financial
services?”
20. Digital
na>ves
like
to
discover
not
only
elements
of
mystery,
surprise
and
reward,
but
also
a
world
of
new
possibili>es.
“Can
you
make
a
financial
service
experience
which
demands
less
commitment
and
is
more
ad
hoc?”
21. Start
with
answering
these
ques3ons..
“How
do
you
create
a
financial
service
that
delivers
real
value,
using
technology
as
a
tool?”
“How
can
you
turn
banking
into
a
meaningful
ac?vity
and
create
an
opportunity
to
connect?”
“How
does
a
bank
facilitate
customers
to
create
their
own
personal
banking
experiences?”
“Can
you
make
a
financial
service
experience
which
demands
less
commitment
and
is
more
ad
hoc”
“Is
mobile
going
to
stay
their
first
reference
for
online
and
on
the
go
banking?”
“How
can
your
organiza?on
be
flexible
and
quicker
to
respond
to
the
new
expecta8ons?”
22. ..and
find
out
which
other
ques3ons
to
ask
“How
does
an
established
bank
move
beyond
its
old
legacy
in
banking
systems
to
serve
new
needs?”
“How
do
you
create
trust
in
a
digital
service,
asking
people
to
highly
depend
on
your
technology?”
?
?
?
“Does
loyalty
s?ll
exist,
or
should
financial
services
focus
on
a
whole
different
kind
of
rela8onship?”
23. Always
in
Beta
Financial
Services
for
Digital
Na>ves
in
collabora>on
with
Invita>on
to
join
our
Consor>um
24. Your
organiza?on
has
a
track
record
of
innova?on.
Can
you
con?nue
to
meet
this
demand
for
industry
transforma?on?
25. Always
in
Beta
|
We
would
like
to
invite
you
• Social
Scien>sts
• Anthropologists
• Design
Researchers
• Service
Designers
• Interac>on
Designers
• Investors
• Execu>ves
• Entrepreneurs
• Engineers
• Technologists
26. Always
in
Beta
|
We
would
like
to
invite
you
consumer
profile
market
radar
concept
toolkit
new
proposi3ons
27. Thanks
and
share
back!
@claropartners
#NBEU2014
Aldo
de
Jong|
Co-‐Founder
aldo@claropartners.com