A large Dutch government agency needed to improve its business information and reporting structure to pursue service excellence while cutting costs. Capgemini conducted a diagnostic scan by surveying stakeholders and interviewing employees. Capgemini analyzed the results and recommended establishing a centralized, cost-efficient Business Intelligence environment. Capgemini laid the groundwork for improved insight and helped transfer BI ownership to the Finance & Control department to transform the agency into a smarter, leaner organization focused on service.
This is the scaled-down version from the presentation that I did in front of some local business people about the usefulness of existing business data when harnessed with Business Intelligence (BI) techniques and processes.
Evolving your FSP relationships to achieve maximum returnMMS Holdings Inc.
To watch this webinar, please visit: https://bit.ly/3bUL4yO
The drug development lifecycle can be predictably unpredictable, as mergers and acquisitions, interim results, DSMB decisions, reorganization, and evolving technology can all change the course of any plan in short order. Sponsors rely on the ability of Clinical Research Organization (CRO) partners to provide scalability and global reach in support of their core teams. FSP relationships however, can go beyond the ability to quickly ramp up and down. Explore with us, as we discuss how Sponsors who leverage FSP partners across multiple interdependent functional lines achieve the maximum benefit and the increasing importance of the way that new innovations and technology continue to change the way we work and the future skill sets needed.
In this Expert Insights webinar, attendees will learn:
• How to achieve maximum benefit from FSP relationships
• The need for diversification in the vendor portfolio
• The potential for nimble adaptation and growth in long-term FSP partnerships
• Possibilities for investing and growing together with your FSP partner
• Implications and potential solutions for IR35 compliance
Vskills certification for Market Research Analyst assesses the candidate as per the company’s need for market research. The certification tests the candidates on various areas in marketing research basics, research design and objectives, primary and secondary data collection, sampling and hypothesis, data processing and analysis, multivariate data analysis, forecasting methods, report writing and ethics.
This is the scaled-down version from the presentation that I did in front of some local business people about the usefulness of existing business data when harnessed with Business Intelligence (BI) techniques and processes.
Evolving your FSP relationships to achieve maximum returnMMS Holdings Inc.
To watch this webinar, please visit: https://bit.ly/3bUL4yO
The drug development lifecycle can be predictably unpredictable, as mergers and acquisitions, interim results, DSMB decisions, reorganization, and evolving technology can all change the course of any plan in short order. Sponsors rely on the ability of Clinical Research Organization (CRO) partners to provide scalability and global reach in support of their core teams. FSP relationships however, can go beyond the ability to quickly ramp up and down. Explore with us, as we discuss how Sponsors who leverage FSP partners across multiple interdependent functional lines achieve the maximum benefit and the increasing importance of the way that new innovations and technology continue to change the way we work and the future skill sets needed.
In this Expert Insights webinar, attendees will learn:
• How to achieve maximum benefit from FSP relationships
• The need for diversification in the vendor portfolio
• The potential for nimble adaptation and growth in long-term FSP partnerships
• Possibilities for investing and growing together with your FSP partner
• Implications and potential solutions for IR35 compliance
Vskills certification for Market Research Analyst assesses the candidate as per the company’s need for market research. The certification tests the candidates on various areas in marketing research basics, research design and objectives, primary and secondary data collection, sampling and hypothesis, data processing and analysis, multivariate data analysis, forecasting methods, report writing and ethics.
These are slides I used to keynote the inaugural MarTech Delhi event in India. It covers the topic of CX (Customer Experience) and provides practical advice to build a roadmap and strategy for your organization.
In uncertain times, companies are turning to their finance leaders for holistic modeling, forecasting, and analysis. Some call this extended planning and analytics (xP&A). We call it company-wide planning. Learn how you can extend planning across all functions to respond faster to evolving requirements in a changing world.
For Monitoring and Evaluatin (M&E), scientii research, academic research, and socialeconomic research. Tabison comprise of qualifid team with wide analytial experience in wide range of research areas. We have unbeatable skills in quantiatie,
qualitatie, and mixed-mode research designs. At Tabison we believe every business/industry has data which when collected, stored, cleaned, organized, consolidated, analyzed and interpreted by a trained mind yields valuable insights into the
business which helps in making strategic business planning decisions & operations
effiency improvements
Schlesinger Group - You Need Insights. We Have Solutions.Kenny Thompson
In a world of markets experiencing massive disruption and evolution, gathering reliable and compelling data for deeper insights is paramount for brand success. Working in partnership with you, Schlesinger Group goes further than high-precision data collection.
AGS Benefit Solutions, Inc. (AGS) is a full-service healthcare human resources/benefits solutions’ provider headquartered in King of Prussia, Pennsylvania.
Recognized as a “Thought Leader” in the health-care industry, AGS continually raises the bar on industry standards by providing progressive thinking, and delivering critical, timely solutions to their clients, offering a comprehensive suite of human resource benefit tools, consulting capabilities and unrivaled service.
Advanced web technology streamlines European Funding at the Welsh governmentCapgemini
Capgemini successfully delivered an online solution to improve funding application process for the Welsh European Funding Office. This means that important business and community projects can get to essential funds more quickly and easily.
Digital – Blue Skies or a Perfect Storm for the Taxman?Capgemini
The Impact of Digital Technologies on Tax and Welfare
The numbers surrounding tax fraud have always been significant. For instance, in the US, tax evasion resulted in revenue loss of over $300 billion during 2010.
In the UK, the tax gap amounted to £35 billion in between 2012 and 2013. The EU is estimated to have lost over €193
billion in Value-Added Tax (VAT) revenues due to non-compliance or non-collection.
Such large numbers have traditionally kept Government tax and welfare authorities on their toes in the course of
time. Authorities have been engaged in a constant battle with fraudsters.
This research paper examines the advent of digital technologies and how it is helping tax authorities to have a slow, but steady, impact on traditional fraud.
Asia-Pacific Wealth Report 2013 - Traditional ChineseCapgemini
Expanding on the findings of the World Wealth Report, the Asia-Pacific Wealth Report from Capgemini and RBC Wealth Management provides population and wealth data for 10 markets in Asia-Pacific: Australia, China, Hong Kong, India, Indonesia, Japan, Singapore, South Korea, Taiwan and Thailand. The report reviews economic and market performance drivers and investing behaviors of high net worth individuals (HNWIs) in the Asia-Pacific region.
The report also provides an in-depth focus on HNWI perspectives and behavior based on a survey with 4,400 HNWIs. Through the survey findings we explore HNWI confidence levels, asset allocation decisions, and preferences for wealth management advice and services.
The Asia-Pacific Wealth Report is available in English and Simplified and Traditional Chinese. For more information, visit www.asiapacificwealthreport.com.
People in the field of user experience are taught that empathy for the end-user is the holy grail. We believe that, by studying your fellow project team members and identifying their needs, you can develop another type of empathy, one that may prove to be more important for business success.
We will explain the concept of communication styles, help you identify your own style and that of co-workers. By walking you through the extended user experience design process and introducing stereotypes of the people you will meet on the way, we will show you how to adapt your style to others, to ensure you will be heard during the process.
The presentation introduces a paper concerned with the following 3 questions:
1. What are the main topics in the current Knowledge Economics research?
2. What gaps in current research exist and what are promising research avenues for the future?
3. What are the most crucial components in the process of creating knowledge outputs?
The purpose of this paper is to extend the earlier work by Capgemini and the State University of New York at New Paltz on the contributions to the mini-track on Knowledge Economics at the Hawaii International Conference on System Sciences (HICSS). In the present work, they analyze 16 contributions from 2012 to 2016 and based on the analysis, they propose the Six Pillars of Knowledge Economics framework. The proposed framework articulates that six elements are essential to generate knowledge outputs: Innovation Capability, Leadership, Human Capital, Information Technology Resources, Financial Resources, and Innovation Climate.
The new ‘A and B’ of the Finance Function: Analytics and Big Data - -Evolutio...Balaji Venkat Chellam Iyer
Published in 2013, this White Paper discusses how the finance function would evolve with the combined forces of Big Data and Analytics and the levers that could help catalyze the change and has drawn upon the Global Trend Study conducted by Tata Consultancy Services (TCS) on how companies were investing in Big Data and deriving returns from it.
White Paper: Predictability Through Planning AgilityHost Analytics
Outperform your competition by making financial processes more relevant in driving organizational excellence, efficiency and informed decision-making, while improving forecast and budget accuracy.
How to Bring About Finance Transformation on Your Own TermsWorkday, Inc.
In this deck, experts from PwC and Workday explain how finance leaders can use automation, artificial intelligence, and analytical skills to help their teams adapt to rapid change.
These are slides I used to keynote the inaugural MarTech Delhi event in India. It covers the topic of CX (Customer Experience) and provides practical advice to build a roadmap and strategy for your organization.
In uncertain times, companies are turning to their finance leaders for holistic modeling, forecasting, and analysis. Some call this extended planning and analytics (xP&A). We call it company-wide planning. Learn how you can extend planning across all functions to respond faster to evolving requirements in a changing world.
For Monitoring and Evaluatin (M&E), scientii research, academic research, and socialeconomic research. Tabison comprise of qualifid team with wide analytial experience in wide range of research areas. We have unbeatable skills in quantiatie,
qualitatie, and mixed-mode research designs. At Tabison we believe every business/industry has data which when collected, stored, cleaned, organized, consolidated, analyzed and interpreted by a trained mind yields valuable insights into the
business which helps in making strategic business planning decisions & operations
effiency improvements
Schlesinger Group - You Need Insights. We Have Solutions.Kenny Thompson
In a world of markets experiencing massive disruption and evolution, gathering reliable and compelling data for deeper insights is paramount for brand success. Working in partnership with you, Schlesinger Group goes further than high-precision data collection.
AGS Benefit Solutions, Inc. (AGS) is a full-service healthcare human resources/benefits solutions’ provider headquartered in King of Prussia, Pennsylvania.
Recognized as a “Thought Leader” in the health-care industry, AGS continually raises the bar on industry standards by providing progressive thinking, and delivering critical, timely solutions to their clients, offering a comprehensive suite of human resource benefit tools, consulting capabilities and unrivaled service.
Advanced web technology streamlines European Funding at the Welsh governmentCapgemini
Capgemini successfully delivered an online solution to improve funding application process for the Welsh European Funding Office. This means that important business and community projects can get to essential funds more quickly and easily.
Digital – Blue Skies or a Perfect Storm for the Taxman?Capgemini
The Impact of Digital Technologies on Tax and Welfare
The numbers surrounding tax fraud have always been significant. For instance, in the US, tax evasion resulted in revenue loss of over $300 billion during 2010.
In the UK, the tax gap amounted to £35 billion in between 2012 and 2013. The EU is estimated to have lost over €193
billion in Value-Added Tax (VAT) revenues due to non-compliance or non-collection.
Such large numbers have traditionally kept Government tax and welfare authorities on their toes in the course of
time. Authorities have been engaged in a constant battle with fraudsters.
This research paper examines the advent of digital technologies and how it is helping tax authorities to have a slow, but steady, impact on traditional fraud.
Asia-Pacific Wealth Report 2013 - Traditional ChineseCapgemini
Expanding on the findings of the World Wealth Report, the Asia-Pacific Wealth Report from Capgemini and RBC Wealth Management provides population and wealth data for 10 markets in Asia-Pacific: Australia, China, Hong Kong, India, Indonesia, Japan, Singapore, South Korea, Taiwan and Thailand. The report reviews economic and market performance drivers and investing behaviors of high net worth individuals (HNWIs) in the Asia-Pacific region.
The report also provides an in-depth focus on HNWI perspectives and behavior based on a survey with 4,400 HNWIs. Through the survey findings we explore HNWI confidence levels, asset allocation decisions, and preferences for wealth management advice and services.
The Asia-Pacific Wealth Report is available in English and Simplified and Traditional Chinese. For more information, visit www.asiapacificwealthreport.com.
People in the field of user experience are taught that empathy for the end-user is the holy grail. We believe that, by studying your fellow project team members and identifying their needs, you can develop another type of empathy, one that may prove to be more important for business success.
We will explain the concept of communication styles, help you identify your own style and that of co-workers. By walking you through the extended user experience design process and introducing stereotypes of the people you will meet on the way, we will show you how to adapt your style to others, to ensure you will be heard during the process.
The presentation introduces a paper concerned with the following 3 questions:
1. What are the main topics in the current Knowledge Economics research?
2. What gaps in current research exist and what are promising research avenues for the future?
3. What are the most crucial components in the process of creating knowledge outputs?
The purpose of this paper is to extend the earlier work by Capgemini and the State University of New York at New Paltz on the contributions to the mini-track on Knowledge Economics at the Hawaii International Conference on System Sciences (HICSS). In the present work, they analyze 16 contributions from 2012 to 2016 and based on the analysis, they propose the Six Pillars of Knowledge Economics framework. The proposed framework articulates that six elements are essential to generate knowledge outputs: Innovation Capability, Leadership, Human Capital, Information Technology Resources, Financial Resources, and Innovation Climate.
The new ‘A and B’ of the Finance Function: Analytics and Big Data - -Evolutio...Balaji Venkat Chellam Iyer
Published in 2013, this White Paper discusses how the finance function would evolve with the combined forces of Big Data and Analytics and the levers that could help catalyze the change and has drawn upon the Global Trend Study conducted by Tata Consultancy Services (TCS) on how companies were investing in Big Data and deriving returns from it.
White Paper: Predictability Through Planning AgilityHost Analytics
Outperform your competition by making financial processes more relevant in driving organizational excellence, efficiency and informed decision-making, while improving forecast and budget accuracy.
How to Bring About Finance Transformation on Your Own TermsWorkday, Inc.
In this deck, experts from PwC and Workday explain how finance leaders can use automation, artificial intelligence, and analytical skills to help their teams adapt to rapid change.
SLASSCOM case study on how we implemented the shared services operation for the Hirdaramani Group, one of the largest apparel manufacturers in Sri Lanka.
Capgemini Digital Reference Architecture with HPECapgemini
Digital Readiness Assessment Services delivers digital business initiatives by creating an actionable transformation roadmap. Through our joint partnership, Capgemini and HP have developed a Digital Reference Framework for IT solutions for the New Style of Business. Learn the strength of Capgemini-HP joint Digital Reference Architecture as it addresses client digital transformation business needs and helps you gain market share in Cloud, Big Data, Security and Mobility.
Ahead of the marcus evans National Healthcare CFO Summit Fall 2019, read here an interview with Joni Noel discussing how healthcare CFOs can ensure their health system is compliant with the new lease accounting standard under ASC 842 or GASB 87
SustainAbility launched a tool to help companies improve transparency in their sustainability reporting.
The report notes that in order for transparency to instigate change, companies must increase their efforts on three transparency elements: materiality, valuation of externalities and integration.
With a fundamental shift in the CFO mission, the finance function has become a critical change agent across organizations. The role of financial leaders such as CFOs is evolving, from a traditional financial controller, to one that drives performance improvements across the organization.
COVID-19 heightened chronic challenges within the global healthcare industry. It became a catalyst amid fierce competition and tight regulations for health providers and payers to focus on digital health, cybersecurity, patient data transparency, and a variety of customer-centric and operational enhancements. As a result, we found the 2022 trendline pointing to improvements in access and quality of care.
Healthcare challenges such as optimizing the cost of care while simultaneously enabling personalized interventions and consumer-friendly shoppable services are long-standing − but, historically, the industry has been slow to react.
Read our Top Trends 2022 report to examine the lingering ramifications of the pandemic, responses from medical and insurance organizations, and the worldwide impact of ever-changing regulatory standards and mandates.
A combination of factors − the pandemic, catastrophic weather events, evolving policyholder expectations, and insurers’ drive for operational efficiency and future relevance − are sparking P&C industry changes.
In a post-COVID, new-normal environment, the most strategic insurers are building resilient, crisis-proof enterprises poised to take advantage of emerging and future business opportunities. They are leveraging advanced data analytics and novel technologies to assure agility and achieve positive revenue and customer satisfaction outcomes. Competitive advantage will hinge on accelerated digitalization and faster go-to-market. Therefore, win-win partnerships and embedded services with InsurTechs and other ecosystem players are critical.
Read Capgemini’s Top P&C Insurance Trends 2022 for a glimpse at the tactical and strategic initiatives carriers are undertaking to boost customer-centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future-readiness.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
As we slowly move out of the pandemic, financial services firms have learned the criticality of virtual engagement to business resilience. Wealth management firms will need capabilities to cater to new-age clients and deliver new-age services. This report aims to understand and analyze the top trends in the Wealth Management industry this year and beyond.
A year ago, our Top Trends in Wealth Management report emphasized how the pandemic sparked disruption and digital transformation and changing investor attitudes around Environmental, Social, and Corporate Governance (ESG) products. As we begin 2022, many of those trends continue to hold as COVID-19’s wide-reaching effects continue to influence the wealth management industry.
As wealth management (WM) firms supercharge their digital transformation journeys, investments in cybersecurity and human-centered design are becoming critical to building superior digital client experience (CX). Another holdover trend − sustainable investing – is gaining mainstream attention and generating increasingly sophisticated client demands. Data and analytics capabilities will become ever more essential for ESG scoring and personalized customer engagement. As large financial services firms refocus on their wealth management business while new digital players make industry strides, competition is becoming historically intense. Not surprisingly, client experience is the new battleground.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
While COVID-19 has sparked the demand for life insurance, it has also exposed the operating model vulnerabilities in distribution, servicing, and customer retention. In a post-COVID, new-normal environment, insurers need to enhance their capabilities around advanced data management and focus on seamless and secure data sharing to provide superior CX and hyper-personalized offerings. Accelerated digitalization and faster go-to-market are vital to remaining competitive, and win-win partnerships with ecosystems are critical in the journey.
Read our Top Life Insurance Trends 2022 to explore the tactical and strategic initiatives carriers undertake to acquire competencies around customer centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future readiness.
Property & Casualty Insurance Top Trends 2021Capgemini
The Property & Casualty insurance landscape is evolving quickly with the changing risk landscape, entry of new players, and changing customer expectations. The ripple effects of COVID-19 on the P&C insurance industry and natural disasters such as forest fires have adversely impacted insurance firm books.
In this scenario, to ensure growth and future-readiness, the most strategic insurers strive to be ‘Inventive Insurers’ – assuming a customer-centric approach, deploying intelligent processes, practicing business resilience and go-to-market agility, and embracing an open ecosystem.
Read our Property & Casualty Insurance Top Trends 2021 report to explore the strategies insurers are adapting to remain competitive amidst the evolving business landscape and how they can explore new ways to enhance their profitability.
A combination of factors such as demographic changes, evolving consumer preferences, and desire to become operationally efficient were already spurring changes in the life insurance industry. Enter 2020 – the COVID-19 pandemic is having a significant impact on the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry is adapting to the new normal.
Furthermore, COVID-19 has acted as a catalyst, pushing life insurers to prioritize their efforts on improving customer centricity, developing go-to-market agility, making processes intelligent, building business resilience, and embracing the open ecosystem.
Read our Life Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the changing market dynamics.
The uncertainty of 2020 is setting the global tone for the immediate future in the financial services industry. So it is no surprise banks are laser-focused on business resilience, emphasizing both financial and operational risks. The need to adapt quickly to new normal conditions through virtual customer engagement is clear.
Customer centricity continues to drive commercial banks’ solution designs. And, the pandemic compelled products that deliver immediate client value ‒ quick digital onboarding, seamless lending, and support for small and medium-sized enterprises (SMEs). The onus is now on banks to go to market more quickly, which requires the implementation of intelligent processes and integrating corporates’ enterprise resource planning (ERP) systems with banking workflows.
To achieve go-to-market agility, banks across the globe are investing in and collaborating with FinTechs. Many of these partnerships are focused on boosting digital lending and providing seamless support to anxious small-business clients in need of assurance.
With newfound impetus for FinTech collaboration, commercial banks have picked up their step on the path toward OpenX. COVID-19 made it evident that survival during turbulence is manageable through collaboration with ecosystem players.
Read our Top Trends in Commercial Banking 2021 report to explore the strategies banks are adapting to transform their businesses from a product-led, siloed model to an experiential and agile plan.
When we published the Top Trends in Wealth Management 2020, little did we foresee the pandemic that would sweep through the world and disrupt life as we knew it. Yet, when we reviewed last year’s trends, we found that many still hold and some have taken on even greater relevance. One such trend is sustainable investing, which had begun to gain prominence as investors became more aware of ESG considerations, and firms rolled out more sustainable investing offerings. Another trend that has accelerated in the post-COVID world is the importance of investing in omnichannel capabilities and technologies such as artificial intelligence (AI) to enhance personalization and advisor effectiveness. The pandemic has driven wealth management firms to accelerate their digital transformation journey, with some immediate focus areas being interactive client communications and digital advisor tools.
There is no denying that time is of the essence. Yes, budgets are tight, but the Open X ecosystem offers wealth management firms opportunities to reimagine their operating models and deliver excellent customer experience cost-effectively.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal.
Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem.
Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
Explore how Capgemini’s Connected autonomous planning fine-tunes Consumer Products Company’s operations for manufacturing, transport, procurement, and virtually every other aspect of the supply-value network in a touchless, autonomous way.
Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle.
Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.
Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity.
Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.
The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities.
Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.
Similar to other financial services domains, payments is evolving into an open ecosystem. The EU’s Payment Services Directive (PSD2) pioneered open banking by encouraging banks and established payments players to securely open the systems to foster competition, innovation, and more customer choices. In tandem with non-cash transaction growth, regulations are driving banks and payments firms to expand their array of payment methods and channels. Governments are encouraging financial inclusion by also promoting the adoption of non-cash payments. Increasingly, merchants and corporates seek to offer alternative payment systems because of widespread popularity among consumers. Alternative payments also enable merchants to provide real-time and cross-border payments to boost business efficiency.
Banks, payment firms, card firms, BigTechs, FinTechs, and other players are continuously developing new technology to cash in on market changes. However, data breaches and fraud continue to hinder innovation as firms devote countless resources each year to address security issues. Many governments are also designing new regulations to reduce ecosystem threats. All these measures are expected to make the current ecosystem much more secure and simple for players as well as customers.
Top Trends in Payments: 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond
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Mats André Zuccarello Aasen, commonly known as Mats Zuccarello, was born on September 1, 1987, in
Oslo, Norway. He grew up in the bustling neighborhood of Løren, where his passion for ice hockey began
at a young age. His mother, Anita Zuccarello, is of Italian descent, and his father, Glenn Aasen, is
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Narrated Business Proposal for the Philadelphia Eaglescamrynascott12
Slide 1:
Welcome, and thank you for joining me today. We will explore a strategic proposal to enhance parking and traffic management at Lincoln Financial Field, aiming to improve the overall fan experience and operational efficiency. This comprehensive plan addresses existing challenges and leverages innovative solutions to create a smoother and more enjoyable experience for our fans.
Slide 2:
Picture this: It’s a crisp fall afternoon, driving towards Lincoln Financial Field. The atmosphere is electric—tailgaters grilling, fans in Eagles jerseys creating a sea of green and white. The air buzzes with camaraderie and anticipation. You park, join the throng, and make your way to your seat. The stadium roars as the Eagles take the field, sending chills down your spine. Each play is a thrilling dance of strategy and skill. This is what being an Eagles fan is all about—the joy, the pride, and the shared experience.
Slide 3:
But now, the day is marred by frustration. The excitement wanes as you struggle to find a parking spot. The congestion is overwhelming, and tempers flare. The delays mean you miss the pre-game excitement, the tailgate camaraderie, and even the opening kick-off. After the game, the joy of victory or the shared solace of defeat is overshadowed by the stress of navigating out of the parking lot. The gridlock, honking horns, and endless waiting drain the energy and joy from what should have been an unforgettable experience.
Our proposal aims to eliminate these frustrations, ensuring that from arrival to departure, your experience is extraordinary. Efficient parking and smooth traffic flow are key to maintaining the high spirits and excitement that make game days special.
Slide 4:
The Philadelphia Eagles are not just a premier NFL team; they are an integral part of the community, hosting games, concerts, and various events at Lincoln Financial Field. Our state-of-the-art stadium is designed to provide a world-class experience for every attendee. Whether it's the thrill of game day, the excitement of a live concert, or the camaraderie of community events, we pride ourselves on delivering a fan-first experience and maintaining operational excellence across all our activities. Our commitment to our fans and community is unwavering, and we continuously strive to enhance every aspect of their experience, ensuring they leave with unforgettable memories.
Slide 5:
Recent trends show an increasing demand for efficient event logistics. Our customer feedback has consistently highlighted frustrations with parking and traffic. Surveys indicate that a significant number of fans are dissatisfied with the current parking situation. Comparisons with other venues like Citizens Bank Park and Wells Fargo Center reveal that we lag in terms of parking efficiency and convenience. These insights underscore the urgent need for innovation to meet and exceed fan expectations.
Slide 6:
As we delve into the intricacies of our operations, one glaring issue emer
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Results for LtCol Thomas Jasper, Marine, for the 2010 Marine Corps Marathon held October 31, 2010, marking the 35th annual marathon known as "The People's Marathon."
An impressive finishing time of 3:46:39, placing 324th in the Male division ages 40-44.
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Belgium vs Slovakia Belgium announce provisional squad for Euro Cup 2024 Thib...
Government Agency Puts Accurate Information at Heart of Customer
1. Government Agency Puts Accurate
Information at Heart of Customer
Capgemini analyzes
The Situation
efficient Business
A large Dutch government agency with responsibility for the timely and correct
distribution of welfare payments to more than 5 million customers strives to provide
high quality services. The availability of accurate business information will be crucial
in pursuit of this service excellence. This will specifically be the case over the next
few years as the agency faces significant challenges, of which the need to deliver
its strategy and expand the online service portfolio is viewed as the most important.
Moreover, government policy calls for large scale cost cutting, but this should not
damage the organization’s focus on service excellence. The agency recognized that
tackling these challenges had to begin with the establishment of a solid information
and reporting structure.
Intelligence
The Solution
information
processes to lay the
groundwork for a
centralized, cost-
environment in a
government agency
The process began with the development and implementation of a Business
Intelligence (BI) strategy. An important step in this was an inventory of the current
information provision among stakeholders and their assessment of its
effectiveness. Capgemini’s BI specialists were requested to perform a diagnostic
scan. This consisted of a questionnaire among 20 (internal) stakeholders and 8 in
depth interviews. The consultants paid specific attention to the tools that were used
in the organization, the perceived areas of improvement, the desired changes and
the obstacles that might stand in the way of a professional BI environment in public
sector organizations.