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Organizations that use a Balanced Scorecard approach tend to outperform organizations without a formal approach to strategic performance measurement
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Market Segment and Consumer Behavior Case Study - Starbucks: Just Who is thei...Rezbeen Nahar Richi
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Watch the marketing evolution here...
https://youtu.be/hNWw-Co-ZAI
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This report consists of various analysis frameworks / models used to analyse the customer experience at Starbucks.
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The training focuses on determining the difference between a brand and corporate identity. Participants are led to recognize the need for branding especially in the service industry as well as identify what can be branded. The training also discusses challenges associated with the branding of services and identifies a simple approach to branding and managing the corporate identity of a firm
This introduction and overview to neuromarketing was presented at the Western New England College 2010 Communications and Leadership Conference by Jennifer Williams of Verilliance and John Bidwell of Bidwell ID. It defines neuromarketing, discusses controversies, presents case studies, and provides take-aways.
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Organizations that use a Balanced Scorecard approach tend to outperform organizations without a formal approach to strategic performance measurement
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- Among 164 publicly traded companies, those with well-deployed BSC outperformed the control group by nearly 30% (Advances in Accounting, 2008)
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Market Segment and Consumer Behavior Case Study - Starbucks: Just Who is thei...Rezbeen Nahar Richi
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The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
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• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
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1. Fads in Information Technology
Workshop
Martin Walker
Chicago
August 9th 2018
2. www.cebma.org
Martin Walker
Director for Banking and Finance at CEBMA
m.walker@cebma.org
• 20+ Years Experience in IT in Banks, Software Companies
& Fintech
• Currently Work in product management for a major
financial software company
• MSc in Computing Science from Imperial College, London
• Papers and articles about Financial Sector Technology
• First book on Fintech published later this year
5. www.cebma.org
Let’s Learn Some Magic Words (Part 1)
BOTs
Robotic
Process
Automation
Blockchain
Machine
Learning
Distributed
Ledger
Smart
Contracts
Cloud
6. www.cebma.org
Let’s Learn Some Magic Words (Part 2)
RDBMS
Program Distributed
Database
Message BusAlgorithm
Distributed
System
7. www.cebma.org
The Truth Behind the Magic
The
Universal
Machine
Modern computer based on the
ideas of Alan Turning. A machine
that could be instructed to perform
any task by giving it the right set of
instructions
Turing
Complete
Languages
Programming tools that can instruct a
Universal Machine to compute anything
that can be computed. Some software
tools are not Turning Complete but they
are created using Turing Complete
Languages
8. www.cebma.org
The Truth Behind the Magic
Computers give you the potential to do
anything within the laws of nature and subject
to having sufficient time, processing power,
memory but also subject to…
…people to write programmes with sufficient skill,
intelligence, imagination and understanding. Not
to mention people can set the IT people off in the
right direction.
15. www.cebma.org
Questions to Ask
• Do you know what the problem you are trying to solve
is or the objective aimed for?
• Is it worth solving the problem?
• Is it clear what the solution is?
• Is it clear how the technology with solve the problem?
• What is the evidence that the solution works?
• What is the evidence it is better than alternatives?
• How do I test a new solution where there is no
evidence?
16. www.cebma.org
Exercise = Sample Solutions (possibly fads)
A Technology – “Blockchain”
A Method of Implementing IT – “Agile”
The All Encompassing Solution – “Digital”
17. www.cebma.org
Blockchain (Part 1)
Blockchain technology is a distributed ledger. It allows for the permanent and immutable
transparent recording of data, essentially, and transactions specifically. That can be used to
exchange any number of things that have value, whether that’s an actual item [or
something else]. It could be tea leaves making their way to the final tea maker. Or it could
be me sending you a payment person to person without the need for intermediaries.
18. www.cebma.org
Blockchain (part 2)
In distributed ledger technology, we may be witnessing one of those potential explosions of creative potential
that catalyse exceptional levels of innovation. The technology could prove to have the capacity to deliver a
new kind of trust to a wide range of services. As we have seen open data revolutionise the citizen’s
relationship with the state, so may the visibility in these technologies reform our financial markets, supply
chains, consumer and business-to-business services, and publicly-held registers
The Claims
The Evidence
Key Practices • 1500 cryptocurrencies
• Ethereum
• Ethereum Classic
• Ethereum Enterprise
• Fabric
• Corda
• XRP
• Hundreds of ICOs
• + many, many more
The Types
• Blocks
• Mining
• Proof of Work
• De-centralised
• Cryptocurrency
• Public Networks
All of which
have been
dropped to
varying
degrees in
new versions
Our analysis suggests that distributed ledger technology could reduce banks’ infrastructure costs attributable to cross-border
payments, securities trading and regulatory compliance by between $15-20 billion per annum by 2022
20. www.cebma.org
Agile (part 2)
Paired
Programming
Story Boards
Test Driven
Development
Frequent Code
Deliveries
Co-Location
Burn Up
Charts
Working
Software
Show Casing
Continuous
Integration
Velocity
Story Points
Daily
Stand-Ups
Time Boxing
Shared
Codebase
Agile innovation methods have revolutionized information technology. Over the past 25 to 30 years they have
greatly increased success rates in software development, improved quality and speed to market, and boosted
the motivation and productivity of IT teams.
The Claims
The Practices
The Evidence
The Variations
• Scrum
• Xtreme Programming
• Adaptive Software
Development
• Crystal
• Feature-Driven Development
• Pragmatic Programming. Lean
Development
• Etc..
21. www.cebma.org
Digital (part 1)
Ambitious Definition
Technologies and concepts that can be grouped under the term “Digital” in
the context of banking include Apps, Blockchain, Big Data, Artificial
Intelligence, Robotics, Agile, Fintech, Innovation, Analytics, Disruption,
Machine Learning, “tailored customer service”, “Robo Advisor”, APIs and
“Digital Factory”.
At first “Digital”, as a label, filled a very real gap. How to describe all the various methods by which
people could electronically interact with financial institutions (or firms in general), Telephone,
Computer, Smart Phone, Tablet? The commonly adopted word was “Digital”.
Muddled Definition
Modest Definition
22. www.cebma.org
Digital (part 2)
The Claims & Evidence
Government
Between 2012 and 2016, the Government managed to save a massive £3.9bn by making
better use of technology. In the financial 2014/15 year alone, the Government saw a fall of
£391m in spending thanks to the spend controls group, which encourages teams to separate
out IT contracts and build prototypes instead of writing long procurement documentation.
Commerce
..for GE, cloud-based processes are set to boost productivity even more. “Going forward,
it's going to be important to become a digital industrial, and it's the cloud that enables it,”
says Mr Fowler. “By 2020 we will drive $1bn of industrial productivity into the business
and we will grow a $15bn digital business with digital products and services.”
The problem with the word “Digital” which logically applies to all computers, it that it becoming
attached to every new technology, old technology and fad like a holy blessing to justify IT
investment
23. www.cebma.org
Ask Questions
But also remember to ask yourself the key questions,
What are you trying to achieve and is it worth it?
Do not be embarrassed to ask the right questions and
keep asking them if you do not get an answer.
24. www.cebma.org
None of the ideas described are inherently bad but
all that it takes to make even a credible idea into a
fad is people just switch off their brains and stop
thinking.
Final Thought
Editor's Notes
IT and many forms of technology can seem like “magic” to the non-technical because they do amazing things, most people do not understand how they do amazing things and If they do amazing things reliably they don’t need to worry how they work
Yes magic. I want the simple solutions to all my problems, just like the Smart phone simply solves the problem of what to do while eating dinner with your spouse
Non-technical people want Technology solutions that hlpe then make more money, cut costs etc.
Technical people are just as keen to here about the latest technologies and how they will solve all problems
IT and many forms of technology can seem like “magic” to the non-technical because they do amazing things, most people do not understand how they do amazing things and If they do amazing things reliably they don’t need to worry how they work
First interaction. Lets learn some magic words to defend against the dark arts of out of control costs, corrupt middle men, limits of human reasoning ability.
How has heard of at least some of the above? Hands up.
Keep them up if what you have heard about them is amazing.
Keep your hands up if anything has satisfactory explained to you either how they work or even how they solve problems.
Thank you hands down.
These are some old magic words, which have lost some of their power.
The power of many of the new magic words is based on them being better than the old magic words.
Any volunteer willing to explain why an App or a Smart Contract is better than a programme?
Now do believe in the magic of IT. There is a magical quality in nature of computers, programming tools and the software created.
They can be used for anything..
Big But.
You need people.
This is why IT can simultaneously be amazing and hugely disappointing.
If you have worked in IT for a few decades you will have noticed cycles of enthusiasm and deep cynicism.
Poor old programmers seem to have their role re-named every few years to make it sound more exciting during the hype cycle.
Programmer not exciting enough, you are now a developer
Not cool enough, you are now a “coder” and since you are now a coder you have better grow a beard and get me a flat white.
During the hype, everything is great, everything is an advance making things, quicker, faster, cheaper,
Every new idea is a good idea, regardless of whether it is really new, really good or even really an idea as opposed to a vague feeling
progress is relentless and you have better not get in its way.
The rest of the time everything sucks.
We seem to have reached an interesting point where everything labelled as innovative and disruptive and everything else sucks.
So can the non-technical world question new innovative/disruptive ideas while being a little more objective about the other IT stuff?
Not always easy to ask questions from any technical specialist but you have to because non-technical people are continually being asked to make decisions relevant to IT,
In the periods of hype, there is not just the technical/non-technical barrier, there are armies of people whose role is stop you asking questions.
Some are the genuine enthusiasts who genuinely believe in new technologies, often a touch too religiously and sometimes devoid from any real-world context.
Then there are large number of people making a great deal of money selling and propating hype. Many of whom have little idea what is they are selling.
100,000 thought leaders on Linked
Step 1- I am going to making you into more an expert on computing than the typical thought leader in 5 minutes…These are the magic words are going to learn
First lets talk about them in the abstract, then lets talk about pancakes
So you can think of the inputs as ingredients
The algorithm as a recipe
The processing, following the rules of the algorithm as the cooking
The pancake as the output
What data is there…
Well that where the digital and physical worlds diverge a little.
Data doesn’t get used up. It can be deleted (even from a Blockchain) so lets
The inputs are data, the outputs are data, and even the algorithm can be thought of data.
Now you are a computing expert, we move onto the typically questions you really need to ask both yourself and others.
You will notice they are basically the same questions from Evidence-Based Management
So now lets try using them…