The document discusses the evolving landscape of disruptive technologies, particularly focusing on artificial intelligence (AI), machine learning (ML), and the significance of data in digital transformation. It highlights the importance of user experience, mobile technology trends, and the integration of APIs for seamless digital services. Additionally, it emphasizes the need for companies to adapt to rapid technological changes and leverage automation and data strategies to remain competitive.

2. w w w . w e l l s t r e e t . v c

3. The Ever-Changing
Landscape of Disruptive
Technologies

4. Sïmon
Saneback

5. Sïmon
Saneback

7. Our everyday is becoming simplified
leading to innovation in weak user experience markets

8. Source: Gartner

11. Edge
Computing

12. Source: Cisco

13. “Artificial intelligence is the new electricity“
- Andrew Ng

14. AI vs. ML
Artificial Intelligence (AI) is the science of making computers
do things that require intelligence when done by humans.
Machine learning (ML) is a field of computer science that gives
computers the ability to learn without being explicitly programmed

15. Reinforcement
learning
Supervised MLUnsupervised ML

16. STRATEGIC DATA ACQUISITION
Data
Product
Users

17. WHEN TO USE AI?
Time
intensive
Short
duration
Manual
Algorithmic
1 Year 1 Month 1 Week 1 Hour 1 Minute 1 Second
Automated
Stop fraudulent transaction
Adjust production process
Operational
Make a cross-sell offer
Aprove a credit
Single Decision
Make a specific hire
Define price for product
Tactical
Define pricing policies
Define underwriting policies
Strategic
Create a new product line
Acquire a new company Supported by insights from analytics
Achieved through operationalization of prescriptive models

18. Blockchain
A blockchain is a continuously growing
list of records, called blocks, which are
linked and secured using cryptography.[
Each block typically contains a hash
pointer as a link to a previous block,[6] a
timestamp and transaction data.[7]

19. Centralized Decentralized Distributed

20. Google, Apple, Sonos (using Amazon) & Amazon are
fighting over who will win the battle of the
omnipresent microphone.
The price is becoming the gateway for all “web”
searches, purchases and the control panel for the
giant home/transport/service-automation market
”VOICE FIRST”

21. • Using Microsoft Bot Framework or Amazon Lex we can
all build voice first bots for Alexa, Google and Skype
(Siri is more or less still closed).
• Many European startups in the area such as Alpha
Blues in Estonia.
• Simple to get going - really hard to build the fulfillment
logic.
• Operator.com is trying (started by ex-Uber people).

22. I B M W A T S O N ( A N D O T H E R S ) A R E U S I N G “ V O I C E M I N I N G ” T O
D E T E R M I N E W H A T C U S T O M E R S A R E T A L K I N G A B O U T O N T H E P H O N E .
W H A T A R E U N H A P P Y C U S T O M E R S S A Y I N G , H O W D O E S A N O R D E R S O U N D L I K E ?

24. MOBILE TECH
• Technology is still changing very fast - and the users
behaviour with it.
• Android, iOS and mobile web is still rapidly evolving.
• APIs will bind it all together but much be fast to cope with
user expectations.

25. UI AND SERVICES
• Services needs to be designed API first
• The change of user interfaces can come rapidly (apps as a
UI went from nothing to dominant in just a few years)
• Voice first and chat style UIs are still complimentary - but
important
• Amazon (and Wish) already shown that brands don’t matter
over availability and crowd-based rankings

26. EVERYDAY AUTOMATION

27. EVERYDAY AUTOMATION
• RPA is becoming of age and many vendors are adding both
decision making components and some first AI components.
• Using software robots “normal” users can automate tedious
processes without a developer.
• At the same time the API to API bridges are growing - but still lack
AI components. We expect this to change during 2018.
• We should expect this kind of technologies to continue to grow
and that automation will be a nice way to glue together different
SaaS platforms together.

28. … BUT DATA IS VERY IMPORTANT
• We expect more companies to have the need to trade data as a bi-product
• Buy and sell data to validate / correlate your own data in real time
• GDPR make it hard to trade personal data - but other data is still valuable

29. A m a z o n k n o w s y o u b e t t e r t h a n y o u k n o w y o u r s e l f
35%o f p u r c h a s e s f r o m A m a z o n a r e v i a r e c o m m e n d a t i o n s
BIG DATA VS SMART DATA

30. _A problem has been detected and Windows has been shut down to prevent damage to your
computer.
UNMOUNTABLE_BOOT_VOLUME
If this is the first time you have seen this Stop error screen, restart your computer. If
this screen appears again, take a coffee or follow these steps:
Check to make sure any new hardware or software is properly installed. If this is a new
installation, ask any of your IT guys for any crappy Windows updates you might need.
If problems continue, disable or remove any newly installed hardware or call Bill Gates.
Please do not photograph or tweet this blue screen of death. If you need to use Safe Mode
to remove or disable components, restart your computer, press F8 to select Advanced
Startup Options, and then select Safe Mode.
Technical information:
*** STOP: 0x000000ED (0x867CDC08, 0xC0000006, 0x00000000, 0x00000000)

31. IT’S ALL ABOUT THE CLOUD
• Platforms as a service: re-use existing components to jump-start
development. Don’t develop fundamental platforms yourself.
• Containerisation and server-less architectures: Don’t host operating systems
yourself and forget about building monoliths.
• Intelligent components (machine learning models as part of the data flow)

32. The state of mobile

33. Source: comScore MMX Multi-Platform, May 2017
200% increase in “Digital minutes” in 10 years
WE SPEND MORE TIME WITH OUR DEVICES

34. > 60% of all “Digital Minutes” for adults
> 50% of all e-commerce visits
> 85% of all bank or stock trading apps
Source: comScore MMX Multi-Platform, May 2017
WE SPEND MORE TIME WITH OUR DEVICES
BUT MOST WITH OUR MOBILE

36. USERS SPEND >95% OF TIME
IN THEIR TOP 10 APPS
Source: comScore Mobile Metrix (Custom), U.S., Age 18+, June 2017
Almost half of all mobile time is spent inside users’ most used app, and nearly all of it within their top 10

37. MOBILE IS BECOMING A
PLATFORM OF PLATFORMS

38. MOBILE IS BECOMING A
PLATFORM OF PLATFORMS

39. MOBILE IS BECOMING A
PLATFORM OF PLATFORMS
A C T I O N S
E M B E D E D
E V E R Y W H E R E

40. A P P S W I L L B E S P L I T I N T O A C T I O N S
… A N D B E C O M E I N V I S B L E
B R A N D L O Y A L T Y < S O L V I N G A P R O B L E M

41. MOBILE IS NOT A DEVICE
- IT’S A BEHAVIOUR!

42. MOBILE = PERSONAL
- IT’S THE MOST
CUSTOMER CENTRIC
CHANNEL EVER

43. Mobilen är en del av vår livsstil

44. Mobilen är en del av vår livsstil

46. INFORMATION
1965 - 1985
“Be informed”
CONNECTION
1985 - 2005
“I connect”
PROTECTION
2005 – ?
“In control”
W e c h o o s e o u r r e l a t i o n s

47. T h e c o n s u m e r e v o l u t i o n
Source: Bring

48. YOU ONLY HAVE A FEW SECONDS
TO KEEP THE USER INTERESTED
MAKE USE OF MACHINE LEARNING TO DELIVER
PERSONAL CONTENT TO EACH USER BASED ON THEIR LOCATION

49. THE MOBILE BEHAVIOR
See Now
Buy Later
See Now
Buy Now
Seen before
Buy Now

50. SYNCHRONICITY
You need to go from saving Transactions to saving
Intents and Transactions for each user in near real-time

51. SYNCHRONICITY

52. DATA REQUIRES APIS
Your backend is more important than ever.
Without good APIs there is no way to build
for the mobile behaviour.

53. M O B I L E F O C U S 2 0 1 8
Must have Should have Build Plan for

54. M O B I L E F O C U S 2 0 2 0
Must have Should have Build Plan for

55. T H E S T A T E O F M O B I L E
Technology is still changing very fast - and the users’ behaviour with it.
Plan for a much much more data intensive future.
UIs will be plentiful: Watches, Voice-first, Apps, web & app-in-apps.
APIs will bind it all together but much be fast to cope with user expectations.
It’s both harder and easier than ever to launch a digital service.
Disrupt or don’t launch.

56. H O W T O K E E P U P W I T H T E C H
Mobile technology is still moving very fast. Too fast for
most teams to cope with.
Apple & Google are pushing smart watches, new
payment models, new web standards, AR & AI.
• Focus on technology that makes life easier for your
user.
• You shouldn’t do everything. Uber will not benefit
from AR.
• Use our mobile focus chart to think around what’s
next for your organization.

57. Thanks for listening!
#ITEM2018