This document discusses how banks can improve customer experience through digital technologies and data analytics. It interviews Bernadette Nixon, chief revenue officer at SDL, a company that provides customer experience management solutions. Nixon explains that banks must focus on customers' entire journey across channels to strengthen relationships. SDL has helped many global banks like ABN AMRO and BBVA optimize digital banking and customer interactions through content management, analytics, and translation services. The key is for banks to use customer data to deliver personalized experiences that increase loyalty and drive revenue.
We Live In a Digital World - Cool Communication Tools that won't Weigh your C...Rosina Webb
At the EMA Sales and Service Conference, Rosina Webb of Energise and Associates and Rebecca Caroe of Creative Agency Secrets presented on how to integrate digital communications into existing customer service models.
The document describes a proposed real estate customer relationship management (CRM) platform called Netrieval. It aims to help real estate agents build continuous relationships with customers by automatically matching them to newly listed homes and sending automated reminders. The platform would offer different subscription tiers, with a base plan for $6.89/month providing social networking and CRM features, and a premium plan for $11.89/month adding expanded home matching and market reports. The goal is to solve the industry problem of agents losing touch with past customers and leaving money on the table from referrals.
CWIN17 New-York / keynote - The ten tenets of digital innovationCapgemini
The document outlines 11 tenets of digital innovation:
1) Innovation solves problems for both businesses and consumers.
2) Examine the underlying nature and opportunities of your business beyond current offerings.
3) Customer expectations are rising globally and without limits.
4) View customer service as a two-way relationship that empowers customers.
5) Use digital tools to make customer interactions asynchronous and available at all times.
6) Data should be earned through good experiences, not just collected for marketing or sales.
Banks need to transform their business models to integrate digital and physical channels in order to meet evolving customer expectations. This involves three key areas: 1) Discovering new customer segments with differentiated experiences that leverage both digital and physical touchpoints. 2) Optimizing omnichannel strategies to provide consistency across all channels. 3) Rethinking the branch network to create lighter formats while expanding specialist roles and digital technologies for a seamless experience. Successful banks will fuse digital and physical assets to make customers' lives more convenient and engaging.
Beyond Analysis - Breakfast Seminar - Visa Future of PaymentsWilliam Beresford
Jeremy Nicholds of Visa Europe gave a presentation on how payment solutions can improve the customer experience, increase sales, and influence customer behaviors using data from transactions. He noted that not just banks but retailers, mobile operators, and social media companies are interested in payment data. According to a Deloitte study, influencing customer purchases through data can increase sales equivalent to £15.2 billion. Each payment leaves a data footprint that includes transaction details, location, and payment type that can provide insights to improve the customer experience.
Devie Mohan: FinTech Slides for Next Bank Europe Barcelona - Sep 22 2015Devie Mohan
Banks have traditionally invested most in lending, payments and using big data, but are now increasingly focusing on improving customer experience through more interactive and customer-centric digital services. This involves updating core banking systems and implementing application programming interfaces to integrate better with financial technology partners and provide personalized financial management, payments and currency transfer capabilities powered by customer data and intelligence.
Challenges for the Future of Retail BankingDesignit
Digital transformation in retail banking is a thriving and complex phenomenon. We at Designit try to make sense of it by identifying leading trends in three deeply interdependent categories: new enabling technologies, new customer expectations, and new strategic trends. The future holds uncertainty and promise, but some immediate actions are patently necessary for banks that want to stay relevant in an increasingly dynamic scenario.
This document discusses how banks can improve customer experience through digital technologies and data analytics. It interviews Bernadette Nixon, chief revenue officer at SDL, a company that provides customer experience management solutions. Nixon explains that banks must focus on customers' entire journey across channels to strengthen relationships. SDL has helped many global banks like ABN AMRO and BBVA optimize digital banking and customer interactions through content management, analytics, and translation services. The key is for banks to use customer data to deliver personalized experiences that increase loyalty and drive revenue.
We Live In a Digital World - Cool Communication Tools that won't Weigh your C...Rosina Webb
At the EMA Sales and Service Conference, Rosina Webb of Energise and Associates and Rebecca Caroe of Creative Agency Secrets presented on how to integrate digital communications into existing customer service models.
The document describes a proposed real estate customer relationship management (CRM) platform called Netrieval. It aims to help real estate agents build continuous relationships with customers by automatically matching them to newly listed homes and sending automated reminders. The platform would offer different subscription tiers, with a base plan for $6.89/month providing social networking and CRM features, and a premium plan for $11.89/month adding expanded home matching and market reports. The goal is to solve the industry problem of agents losing touch with past customers and leaving money on the table from referrals.
CWIN17 New-York / keynote - The ten tenets of digital innovationCapgemini
The document outlines 11 tenets of digital innovation:
1) Innovation solves problems for both businesses and consumers.
2) Examine the underlying nature and opportunities of your business beyond current offerings.
3) Customer expectations are rising globally and without limits.
4) View customer service as a two-way relationship that empowers customers.
5) Use digital tools to make customer interactions asynchronous and available at all times.
6) Data should be earned through good experiences, not just collected for marketing or sales.
Banks need to transform their business models to integrate digital and physical channels in order to meet evolving customer expectations. This involves three key areas: 1) Discovering new customer segments with differentiated experiences that leverage both digital and physical touchpoints. 2) Optimizing omnichannel strategies to provide consistency across all channels. 3) Rethinking the branch network to create lighter formats while expanding specialist roles and digital technologies for a seamless experience. Successful banks will fuse digital and physical assets to make customers' lives more convenient and engaging.
Beyond Analysis - Breakfast Seminar - Visa Future of PaymentsWilliam Beresford
Jeremy Nicholds of Visa Europe gave a presentation on how payment solutions can improve the customer experience, increase sales, and influence customer behaviors using data from transactions. He noted that not just banks but retailers, mobile operators, and social media companies are interested in payment data. According to a Deloitte study, influencing customer purchases through data can increase sales equivalent to £15.2 billion. Each payment leaves a data footprint that includes transaction details, location, and payment type that can provide insights to improve the customer experience.
Devie Mohan: FinTech Slides for Next Bank Europe Barcelona - Sep 22 2015Devie Mohan
Banks have traditionally invested most in lending, payments and using big data, but are now increasingly focusing on improving customer experience through more interactive and customer-centric digital services. This involves updating core banking systems and implementing application programming interfaces to integrate better with financial technology partners and provide personalized financial management, payments and currency transfer capabilities powered by customer data and intelligence.
Challenges for the Future of Retail BankingDesignit
Digital transformation in retail banking is a thriving and complex phenomenon. We at Designit try to make sense of it by identifying leading trends in three deeply interdependent categories: new enabling technologies, new customer expectations, and new strategic trends. The future holds uncertainty and promise, but some immediate actions are patently necessary for banks that want to stay relevant in an increasingly dynamic scenario.
The whitepaper discusses the changing landscape of payments and money in the digital age. It notes that four key dimensions are rapidly changing simultaneously: (1) mode of transaction is shifting to electronic and unwired devices, (2) supporting technology like smartphones, cloud computing and biometrics is outpacing banks, (3) new operators like tech firms are reducing friction and engaging customers, and (4) new forms of digital money may bypass banks and governments. This convergence represents the biggest change yet and banks must develop creative strategies to remain relevant to customers whose expectations are being transformed.
The document discusses how digital transformation at Mashreq Bank is converging physical and digital banking into a "phygital" model to better serve the needs of digital native customers. It covers how digital banking can repair trust in banking brands, Mashreq's mobile app that allows onboarding without a physical branch visit, and the concept of a virtual branch. The document is authored by David Horton, Chief Transformation Officer of Mashreq Bank.
ING Direct Canada launched a new chequing account called THRiVE Chequing that pays interest to attract customers. They gathered feedback on the product from over 22,000 existing customers on social media like Facebook and Twitter. This feedback helped shape the final product offering. A marketing campaign promoted THRiVE Chequing on social and traditional media, reaching over 100 million people. The account has been very successful in attracting new customers, growing to over 40,000 active accounts. ING Direct believes their engagement with customers on social media has been key to this success.
Sage Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
This document discusses how integrating payment processing with Sage software can simplify business operations. It notes the high costs of paper invoices and check payments and cites statistics showing the growth in electronic and mobile payments. Integrating payments through Sage Exchange allows payment data to automatically post to accounting systems, saving time. The benefits of Sage payments include accepting all types of payments, easy setup and support, and consolidated reporting in one system.
Zensar's complete customer engagement solution is a big
data analytics solution that produces intelligence for
consumption by various business functions to take 'next
best action' at the point of decision.
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.
High Net Worth Customer Acquisition for Banks and Credit Unions | OptiRateSerge Milman
Overview of the Banking sector competitive environment, and relative positioning of Community Banks and Credit Unions vs Mega-Banks. Why Community FIs should focus on High Net Worth Customers and how OptiRate can help.
2015 Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
Sage provides integrated payment solutions to simplify business payments and maximize returns. Their solutions include processing credit/debit cards, ACH, checks, mobile payments, gift cards and more. Sage Exchange is their payment management system that integrates payments data with accounting software for real-time visibility. This helps businesses grow revenue, improve cash flow and reduce costs through more flexible payment acceptance and automated data entry.
A digital strategy provides a roadmap for digital transformation by outlining investments in talents, processes, and customers to maximize competitive advantage. It specifies visions, actions, and tactics for becoming a digital business. Formulating a digital strategy involves three stages: defining value by gaining commitment, defining goals and investments; launching initiatives with light projects and assembling a digital team; and scaling up through organizing further initiatives, building capabilities, and adopting new operating models. A digital strategy guides a company's transformation through technology adoption and cultural shifts.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
This document summarizes key points from the Indonesian E-Tourism Summit 2011 regarding travel distributions and payments. It notes that providing more payment options can increase sales conversion by 22% and that different customers prefer different payment forms. It also discusses common problems travel merchants face with payment strategies, including a lack of strategy, time-consuming manual tracking, long times to revenue, tight cash flow, and accounting headaches. The document highlights benefits of social marketing and trends in mobile internet and smartphones driving new records in the travel industry.
Digital and Big data disruption in financial services Paddy Ramanathan
Digital and big data are driving innovation in financial services. Non-bank competitors are using digital technologies and big data analytics to disrupt traditional financial services in areas like small business lending, wealth management, and payments. Banks are now leveraging digital and big data to improve customer experience, boost revenues, and cut costs. Specifically, some examples discussed are non-bank lenders using big data to more accurately assess creditworthiness of small businesses and offer loans online, and robo-advisors using software to provide automated, lower-cost wealth management services.
Future of Payments for Debit, Mobile Payments, Prepaid & ATM Execspaythink2015
A quick review of the key payments executives covering the developments of prepaid innovation, tokenization, digital payments, critical regulatory developments and ATM performance.
We are having loyalty software, card printers, cards, magnetic card readers, loyalty Point of Sales (POS), India's best software loyalty solutions and loyalty card solutions.
Setting Up, Managing, and Reconciling Your Credit Card ProgramBlackbaud
The document discusses how to process credit cards in Blackbaud CRM and the benefits of using Blackbaud Merchant Services for credit card processing. Blackbaud Payment Service replaces credit card numbers with tokens and stores card information securely, while Blackbaud Merchant Services allows you to manage credit card processing through a web portal and process transactions weekly. Benefits of Blackbaud Merchant Services include ease of use, savings through low fees and no hidden costs, safe and secure storage of information, and integration with mobile payments.
This document provides 10 observations about digital marketing trends in 2017. Mobile usage continues to dominate, with over 50% of searches and most Facebook usage occurring on mobile devices. Customer experience has become a top priority, and artificial intelligence is growing rapidly through chatbots and conversational interfaces. Personalized experiences are in demand, fueled by extensive customer data collection. Search engine optimization remains important, especially on mobile. Design thinking must solve real customer problems and work across all devices. Digital transformation and disruption are ongoing industry-wide trends, while the internet of things is connecting more devices each year. Digital services will become increasingly essential utilities.
The document discusses the rise of digital banking and outlines four models of digital banks: digital bank brands, digital bank channels, digital bank subsidiaries, and digital native banks. It also identifies lessons learned from digital pioneers, such as the importance of scale, designing good customer experiences, and generating profitable products beyond basic deposits. Finally, it defines what constitutes a true digital bank and the key areas of optimization required, including digitally optimized interactions, products, processes, insights, and organization.
Insights Success has come up with a distinctive issue “The 10 Most Influential Voices in Banking” which recognizes the incalculable contribution of banking enthusiasts who has revolutionized banking processes with their inventive excellence.
B2B Digital Marketing Playbook for the COVID EraRohas Nagpal
Customers have changed.
Spending patterns have changed.
People's priorities have changed.
How people spend their time has changed.
So naturally, marketing techniques
NEED TO CHANGE.
The "B2B Digital Marketing Playbook for the COVID Era" recommends an 11-point approach:
1. Understand what you are selling
2. Understand whom you are selling to
3. Design your digital marketing strategy
4. Optimize your website
5. Incentivize influencers
6. Optimize your digital marketing assets
7. Distribute your digital marketing assets
8. Make it easy for potential customers to contact you
9. Aim for a 60-second response time
10. Use dynamic QR codes
11. Use Artificial Intelligence
"Rethinking the Customer" - Disruptive Shifts in Financial Services: The Cust...Claro Partners Inc.
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.
Big data made simple ppp five experts talkkwpillich
This document summarizes interviews with five banking experts on the topics of big data and analytics in banking.
The first interview is with JP Nicols, co-founder of Bank Innovators Council. Some key points from the interview include: if consumers engage directly with fintech companies instead of banks, then banks become a commodity; banks think they are customer-intimate but are actually all competing on the same dimension; and the future will see fewer banks, with successful banks upgrading themselves or risking failure.
The second interview is with Vik Atal, former executive vice president of Citigroup. He discusses lessons from the 2008 financial crisis, including that predictive analytics could have reduced some impacts. For banks, using
The whitepaper discusses the changing landscape of payments and money in the digital age. It notes that four key dimensions are rapidly changing simultaneously: (1) mode of transaction is shifting to electronic and unwired devices, (2) supporting technology like smartphones, cloud computing and biometrics is outpacing banks, (3) new operators like tech firms are reducing friction and engaging customers, and (4) new forms of digital money may bypass banks and governments. This convergence represents the biggest change yet and banks must develop creative strategies to remain relevant to customers whose expectations are being transformed.
The document discusses how digital transformation at Mashreq Bank is converging physical and digital banking into a "phygital" model to better serve the needs of digital native customers. It covers how digital banking can repair trust in banking brands, Mashreq's mobile app that allows onboarding without a physical branch visit, and the concept of a virtual branch. The document is authored by David Horton, Chief Transformation Officer of Mashreq Bank.
ING Direct Canada launched a new chequing account called THRiVE Chequing that pays interest to attract customers. They gathered feedback on the product from over 22,000 existing customers on social media like Facebook and Twitter. This feedback helped shape the final product offering. A marketing campaign promoted THRiVE Chequing on social and traditional media, reaching over 100 million people. The account has been very successful in attracting new customers, growing to over 40,000 active accounts. ING Direct believes their engagement with customers on social media has been key to this success.
Sage Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
This document discusses how integrating payment processing with Sage software can simplify business operations. It notes the high costs of paper invoices and check payments and cites statistics showing the growth in electronic and mobile payments. Integrating payments through Sage Exchange allows payment data to automatically post to accounting systems, saving time. The benefits of Sage payments include accepting all types of payments, easy setup and support, and consolidated reporting in one system.
Zensar's complete customer engagement solution is a big
data analytics solution that produces intelligence for
consumption by various business functions to take 'next
best action' at the point of decision.
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.
High Net Worth Customer Acquisition for Banks and Credit Unions | OptiRateSerge Milman
Overview of the Banking sector competitive environment, and relative positioning of Community Banks and Credit Unions vs Mega-Banks. Why Community FIs should focus on High Net Worth Customers and how OptiRate can help.
2015 Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
Sage provides integrated payment solutions to simplify business payments and maximize returns. Their solutions include processing credit/debit cards, ACH, checks, mobile payments, gift cards and more. Sage Exchange is their payment management system that integrates payments data with accounting software for real-time visibility. This helps businesses grow revenue, improve cash flow and reduce costs through more flexible payment acceptance and automated data entry.
A digital strategy provides a roadmap for digital transformation by outlining investments in talents, processes, and customers to maximize competitive advantage. It specifies visions, actions, and tactics for becoming a digital business. Formulating a digital strategy involves three stages: defining value by gaining commitment, defining goals and investments; launching initiatives with light projects and assembling a digital team; and scaling up through organizing further initiatives, building capabilities, and adopting new operating models. A digital strategy guides a company's transformation through technology adoption and cultural shifts.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
This document summarizes key points from the Indonesian E-Tourism Summit 2011 regarding travel distributions and payments. It notes that providing more payment options can increase sales conversion by 22% and that different customers prefer different payment forms. It also discusses common problems travel merchants face with payment strategies, including a lack of strategy, time-consuming manual tracking, long times to revenue, tight cash flow, and accounting headaches. The document highlights benefits of social marketing and trends in mobile internet and smartphones driving new records in the travel industry.
Digital and Big data disruption in financial services Paddy Ramanathan
Digital and big data are driving innovation in financial services. Non-bank competitors are using digital technologies and big data analytics to disrupt traditional financial services in areas like small business lending, wealth management, and payments. Banks are now leveraging digital and big data to improve customer experience, boost revenues, and cut costs. Specifically, some examples discussed are non-bank lenders using big data to more accurately assess creditworthiness of small businesses and offer loans online, and robo-advisors using software to provide automated, lower-cost wealth management services.
Future of Payments for Debit, Mobile Payments, Prepaid & ATM Execspaythink2015
A quick review of the key payments executives covering the developments of prepaid innovation, tokenization, digital payments, critical regulatory developments and ATM performance.
We are having loyalty software, card printers, cards, magnetic card readers, loyalty Point of Sales (POS), India's best software loyalty solutions and loyalty card solutions.
Setting Up, Managing, and Reconciling Your Credit Card ProgramBlackbaud
The document discusses how to process credit cards in Blackbaud CRM and the benefits of using Blackbaud Merchant Services for credit card processing. Blackbaud Payment Service replaces credit card numbers with tokens and stores card information securely, while Blackbaud Merchant Services allows you to manage credit card processing through a web portal and process transactions weekly. Benefits of Blackbaud Merchant Services include ease of use, savings through low fees and no hidden costs, safe and secure storage of information, and integration with mobile payments.
This document provides 10 observations about digital marketing trends in 2017. Mobile usage continues to dominate, with over 50% of searches and most Facebook usage occurring on mobile devices. Customer experience has become a top priority, and artificial intelligence is growing rapidly through chatbots and conversational interfaces. Personalized experiences are in demand, fueled by extensive customer data collection. Search engine optimization remains important, especially on mobile. Design thinking must solve real customer problems and work across all devices. Digital transformation and disruption are ongoing industry-wide trends, while the internet of things is connecting more devices each year. Digital services will become increasingly essential utilities.
The document discusses the rise of digital banking and outlines four models of digital banks: digital bank brands, digital bank channels, digital bank subsidiaries, and digital native banks. It also identifies lessons learned from digital pioneers, such as the importance of scale, designing good customer experiences, and generating profitable products beyond basic deposits. Finally, it defines what constitutes a true digital bank and the key areas of optimization required, including digitally optimized interactions, products, processes, insights, and organization.
Insights Success has come up with a distinctive issue “The 10 Most Influential Voices in Banking” which recognizes the incalculable contribution of banking enthusiasts who has revolutionized banking processes with their inventive excellence.
B2B Digital Marketing Playbook for the COVID EraRohas Nagpal
Customers have changed.
Spending patterns have changed.
People's priorities have changed.
How people spend their time has changed.
So naturally, marketing techniques
NEED TO CHANGE.
The "B2B Digital Marketing Playbook for the COVID Era" recommends an 11-point approach:
1. Understand what you are selling
2. Understand whom you are selling to
3. Design your digital marketing strategy
4. Optimize your website
5. Incentivize influencers
6. Optimize your digital marketing assets
7. Distribute your digital marketing assets
8. Make it easy for potential customers to contact you
9. Aim for a 60-second response time
10. Use dynamic QR codes
11. Use Artificial Intelligence
"Rethinking the Customer" - Disruptive Shifts in Financial Services: The Cust...Claro Partners Inc.
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.
Big data made simple ppp five experts talkkwpillich
This document summarizes interviews with five banking experts on the topics of big data and analytics in banking.
The first interview is with JP Nicols, co-founder of Bank Innovators Council. Some key points from the interview include: if consumers engage directly with fintech companies instead of banks, then banks become a commodity; banks think they are customer-intimate but are actually all competing on the same dimension; and the future will see fewer banks, with successful banks upgrading themselves or risking failure.
The second interview is with Vik Atal, former executive vice president of Citigroup. He discusses lessons from the 2008 financial crisis, including that predictive analytics could have reduced some impacts. For banks, using
The document discusses innovations in banking and payments. It notes that while banks perform core functions like transactions and risk management well, they are not leading in front office innovation. New players are pushing new experiences and services like PayPal, Mint, and mobile wallets. The future of financial services will be enabled by banks but not necessarily driven by them. Banks need to support innovative external services and copy the best ideas. Mobile banking has yet to find its dominant design and banks risk losing competitiveness without a strategic mobile approach.
Going Digital: What Banking Leaders Need to KnowCognizant
Banks need to embrace digital transformation by putting customers first, using data to gain insights, and managing organizational change. To succeed, banks must put customer data at the heart of interactions, evolve a customer-focused culture, and oversee new processes and structures that support digital initiatives and change. This will allow banks to regain customer trust and relevance in the digital era.
The Future of Banking & Financial ServicesCognizant
The document discusses the future of banking and financial services. It makes three key points:
1) Banking and financial services will become increasingly digital and integrated into customers' daily lives through their mobile devices and applications. Customers will expect seamless, on-demand access to personalized financial services and advice.
2) Traditional banks will need to transform into platforms that can integrate with external partners and offer customized, multi-purpose applications to remain relevant to customers. Data and artificial intelligence will be used to offer hyper-personalized services and anticipate customer needs.
3) Rebuilding trust will be essential for the future of banking as customers share more personal data. Technologies like blockchain and transparency around business models will be needed
Creating a Holistic Financial Experience Strategy BlendConf 2013Rikki Teeters
Big Banks have lost the trust of the people. Traditional relationships between banks and the people need to change from Sales People / Customers to Trusted Advisors / Clients. The traditional branch is not dead, it just needs to evolve. It is crucial for banks to create a Holistic Experience Strategy in order to survive in the future. The Financial Industry must stop penalizing people with fees and start adding value to their lives. It is our job to leave the industry a better place than when we found it!
Creating a Holistic Financial Experience Strategy from BlendConf 2013
This document discusses potential opportunities and risks for banks in the changing financial services landscape. It outlines several fintech startups that have disrupted various aspects of banking. It also provides examples of how some banks have embraced digital technologies, entered new markets, and explored blockchain to maintain relevance. The big risk it mentions is that non-banks could replace banks as the main point of contact for customers' financial lives. It advocates that banks must leverage customer trust and move into the commercial lives of their customers to defend their position.
The document discusses mobile marketing strategies for youth demographics. Key takeaways from an industry roundtable include that today's youth see their mobile phones as an extension of their social lives, and they are more receptive to mobile ads than older groups. They also send more text messages than other age groups. The panel agreed this demographic is optimistic, aspirational, connected and open to change. Upcoming webinars will discuss mobile analytics and last-minute mobile campaigns for holidays.
2019 was a turbulent year that brought further development to one of the hottest markets. Highly anticipated PSD2 was awaited as a promise of final disruption.
Though the threats to non-digitally focused incumbents are real, 2019 confirmed that the near future of banking is not primarily digital.
Kako se spreminja percepcija bančništva v očeh ljudi?_Silvia Gabriela Birl...DIGGIT
A new way of banking focuses on staying human despite modern tools like AI and chatbots. Traditional banks must reinvent themselves not just by becoming digital but also changing their perception to be there for customers for better or worse. Banks need to shift from product-based offers to solution-based offers that meet customers' specific needs. Using predictive analytics, banks can identify customers' future needs and wants in order to provide tailored solutions rather than just products.
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?
The essential elements of a digital transformation strategyMarcel Santilli
This document discusses how digital transformation is inevitable for enterprises due to ongoing digital disruption. It defines digital transformation as using digital technologies to improve customer experience, products/services, and business operations. The document outlines three approaches to digital transformation: IT transformation, business operations transformation, and business model transformation. It recommends that enterprises focus on business operations transformation by recognizing disruption, focusing on customers, rethinking their business, and not waiting too long to transform.
This document discusses how organizations can thrive during digital disruption by reinventing their core offerings, building real online relationships, and bringing their brand purpose to life. It emphasizes the importance of relevancy to new consumers, transitioning from products to platforms, humanizing big data, and treating customers like people rather than numbers. Two case studies are presented: Online Relationship Managers, which used personalized assistants to build digital relationships; and Home Hunter, a mobile-first home lending process that automated complex paperwork. Both were recognized for innovative customer-centric designs and experiences. The conclusion emphasizes imbuing company values, partnering where needed, enabling deep organizational change, and keeping real people at the center.
Conversational commerce/Conversational Banking means allowing customers worldwide, to text /chat/speak with the bank/retail stores, etc. as easily and conveniently as they text/chat /speak with their friends and family in messaging apps
Conversational Commerce with the help of NLP, Big data and AI will radically expedite digital transformation and offers customers a "zero learning curve" experience – no complex interface to navigate – where they can simply message in natural language with the bank or the retail store, etc. to ask questions and get service on their own terms and timetable.
Moneylive 130318 ABN AMRO Jessica NiewierraABN AMRO
ABN AMRO is adapting its digital strategy to address changing customer behavior and the evolving financial landscape.
[1] The bank is focusing on providing quick and easy digital banking, personalized and relevant products/services, and exceeding customer expectations through innovative experiences.
[2] Examples include a single digital ecosystem for mobile and online banking, personalized bank profiles, and payment requests through popular apps.
Similar to The battle for retail bank customers - Bankdagen 2010 (20)
In 2016, Tieto conducted the Foresight 2020 study to understand the cross-industry business opportunities projected to shape the future of business into the year 2020.
In 2016 and 2017, Tieto conducted the Future Perspectives study to deepen the insights of Foresight 2020 in particular. The Future Perspectives study provides expert thoughts and expectations about how technology-driven opportunities will unfold in the coming half-decade — specifically, how business models and value chains will be affected and what kinds of business possibilities will arise now and in the future.
Tieto’s Future Perspectives study was conducted via interviews and a questionnaire survey of 500 executives from a wide variety of industries in three Nordic countries. Data was collected and analysed by the research company Kairos Future.
http://www.tieto.com/future-perspectives
1. The document discusses how to build a modern cloud environment for businesses and provides advice on selecting the right cloud approach.
2. It recommends letting business needs drive the design and procurement of cloud solutions. The right cloud setup is an open, manageable, and compliant one that combines private, public, and hybrid cloud options.
3. Tieto OneCloud is presented as a solution that combines leading public clouds like AWS and Azure with Tieto's private cloud and on-site services, all managed through a single platform.
The document summarizes the findings of a study on cloud maturity conducted in Norway and Sweden in 2016. Some key findings include:
1) Cloud usage has increased in both countries since 2015, with more organizations using SaaS, PaaS, and IaaS.
2) Cloud mature organizations show benefits like 34% lower IT costs and twice the IT budget for innovation compared to less mature organizations.
3) Organizations are moving toward more hybrid cloud models, with diversification across in-house, outsourced, and cloud infrastructure and applications.
Foresight 2020 study has been made by utilizing the methodology of future studies complemented with over 100 interviews covering the spectrum of our customers’ industries. See here the industry trends and scenarios.
Presentation from Embedded Linux Conference 2015 in Dublin, where Tieto presented a concept of an Intelligent Home IoT Gateway, the session received a very good feedback. Authors: Andrzej Wieczorek and Bartosz Markowski
www.tieto.com
Digitalization provides opportunities for companies to improve their operations and customer experiences. It allows societies to modernize services and enhance quality of life. When implemented responsibly, digitalization benefits all stakeholders by connecting people and unlocking human potential through technology.
Tieto Retail Experience - How will the retail remain relevant for all of us?Tieto Corporation
Mikko Leinonen, Head of Customer Experience Management unit at Tieto, answers to this question at the IndustryForum Retail & FMCG event 19th May 2015. See some of his thoughts about the topic in this presentation.
Uusi EU henkilötietosuoja-asetus tullee voimaan 2016 alkupuolella ja velvoittaa kaikkia organisaatioita, joissa ylläpidetään henkilötietoa sisältäviä rekistereitä. Varautuminen ajoissa kannattaa.
www.tieto.fi/euhenkilotieto
Customer Experience is one, or even the only source of
sustainable competitive advantage going forward.
We at Tieto We believe in creating a more customer-centric world, where there is seamless and mutually
rewarding interaction between our clients and
their customers.
Cloud in a nutshell: The business environment is constantly changing. Flexibility and foresight is needed to drive continuous innovation, efficiency and agility. This presentation simplifies cloud and its alignment to your business strategy.
Webinarie 24 November - Mer tid för lärandet. Ett samtal mellan Tieto, Kairos Future och DiU.
Ladda ner presentationen på http://www.tieto.se/it-i-skolan
The document discusses creating successful digital service experiences. It provides an overview of pragmatic, desirable and functional approaches to service design. Digital technologies can improve customer experiences by taking a pragmatic, desirable and functional approach. The presentation emphasizes designing services around core customer needs through an omnichannel experience that is continuous, situation-oriented and accessible through every possible channel. Ideation, conceptualizing, detailing and execution are key steps to designing excellent digital service experiences.
Capital Markets Day 2014- presentation Robin Teigland, Stockholm School of Ec...Tieto Corporation
This document provides an overview of crowdfunding. It discusses different forms of crowdfunding including donation-based, reward-based, equity-based, and debt-based crowdfunding. Examples are given of successful crowdfunding campaigns in Sweden. Global crowdfunding has nearly doubled from 2012 to 2013 and continues to grow significantly each year. While still relatively small compared to traditional forms of financing, crowdfunding is becoming a notable new means to fund projects and startups. The challenges and opportunities of crowdfunding are also examined.
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
Introducing Milvus Lite: Easy-to-Install, Easy-to-Use vector database for you...Zilliz
Join us to introduce Milvus Lite, a vector database that can run on notebooks and laptops, share the same API with Milvus, and integrate with every popular GenAI framework. This webinar is perfect for developers seeking easy-to-use, well-integrated vector databases for their GenAI apps.
Full-RAG: A modern architecture for hyper-personalizationZilliz
Mike Del Balso, CEO & Co-Founder at Tecton, presents "Full RAG," a novel approach to AI recommendation systems, aiming to push beyond the limitations of traditional models through a deep integration of contextual insights and real-time data, leveraging the Retrieval-Augmented Generation architecture. This talk will outline Full RAG's potential to significantly enhance personalization, address engineering challenges such as data management and model training, and introduce data enrichment with reranking as a key solution. Attendees will gain crucial insights into the importance of hyperpersonalization in AI, the capabilities of Full RAG for advanced personalization, and strategies for managing complex data integrations for deploying cutting-edge AI solutions.
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slackshyamraj55
Discover the seamless integration of RPA (Robotic Process Automation), COMPOSER, and APM with AWS IDP enhanced with Slack notifications. Explore how these technologies converge to streamline workflows, optimize performance, and ensure secure access, all while leveraging the power of AWS IDP and real-time communication via Slack notifications.
“An Outlook of the Ongoing and Future Relationship between Blockchain Technologies and Process-aware Information Systems.” Invited talk at the joint workshop on Blockchain for Information Systems (BC4IS) and Blockchain for Trusted Data Sharing (B4TDS), co-located with with the 36th International Conference on Advanced Information Systems Engineering (CAiSE), 3 June 2024, Limassol, Cyprus.
UiPath Test Automation using UiPath Test Suite series, part 5DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 5. In this session, we will cover CI/CD with devops.
Topics covered:
CI/CD with in UiPath
End-to-end overview of CI/CD pipeline with Azure devops
Speaker:
Lyndsey Byblow, Test Suite Sales Engineer @ UiPath, Inc.
Alt. GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using ...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Maruthi Prithivirajan, Head of ASEAN & IN Solution Architecture, Neo4j
Get an inside look at the latest Neo4j innovations that enable relationship-driven intelligence at scale. Learn more about the newest cloud integrations and product enhancements that make Neo4j an essential choice for developers building apps with interconnected data and generative AI.
How to Get CNIC Information System with Paksim Ga.pptxdanishmna97
Pakdata Cf is a groundbreaking system designed to streamline and facilitate access to CNIC information. This innovative platform leverages advanced technology to provide users with efficient and secure access to their CNIC details.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
A tale of scale & speed: How the US Navy is enabling software delivery from l...sonjaschweigert1
Rapid and secure feature delivery is a goal across every application team and every branch of the DoD. The Navy’s DevSecOps platform, Party Barge, has achieved:
- Reduction in onboarding time from 5 weeks to 1 day
- Improved developer experience and productivity through actionable findings and reduction of false positives
- Maintenance of superior security standards and inherent policy enforcement with Authorization to Operate (ATO)
Development teams can ship efficiently and ensure applications are cyber ready for Navy Authorizing Officials (AOs). In this webinar, Sigma Defense and Anchore will give attendees a look behind the scenes and demo secure pipeline automation and security artifacts that speed up application ATO and time to production.
We will cover:
- How to remove silos in DevSecOps
- How to build efficient development pipeline roles and component templates
- How to deliver security artifacts that matter for ATO’s (SBOMs, vulnerability reports, and policy evidence)
- How to streamline operations with automated policy checks on container images
20 Comprehensive Checklist of Designing and Developing a WebsitePixlogix Infotech
Dive into the world of Website Designing and Developing with Pixlogix! Looking to create a stunning online presence? Look no further! Our comprehensive checklist covers everything you need to know to craft a website that stands out. From user-friendly design to seamless functionality, we've got you covered. Don't miss out on this invaluable resource! Check out our checklist now at Pixlogix and start your journey towards a captivating online presence today.
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/building-and-scaling-ai-applications-with-the-nx-ai-manager-a-presentation-from-network-optix/
Robin van Emden, Senior Director of Data Science at Network Optix, presents the “Building and Scaling AI Applications with the Nx AI Manager,” tutorial at the May 2024 Embedded Vision Summit.
In this presentation, van Emden covers the basics of scaling edge AI solutions using the Nx tool kit. He emphasizes the process of developing AI models and deploying them globally. He also showcases the conversion of AI models and the creation of effective edge AI pipelines, with a focus on pre-processing, model conversion, selecting the appropriate inference engine for the target hardware and post-processing.
van Emden shows how Nx can simplify the developer’s life and facilitate a rapid transition from concept to production-ready applications.He provides valuable insights into developing scalable and efficient edge AI solutions, with a strong focus on practical implementation.
The battle for retail bank customers - Bankdagen 2010
1. Bankdagen 2010The battle for retail bank customers Gustaf Brandberg Digital Business Advisor Digital Transformation & Consulting Tieto Corporation gustaf.brandberg@tieto.com
3. #1 Get to know your customers. How will my divorce affect my economy? What happens when I retire? What if I lose my job? Can I afford a bigger house? TheFrankBank.com
4. #2 Provide simplicity… Simple search Check your account balance and budget in the store Transfer money to your child’s account with one word
15. Hot trends in mobile consumerapplications: Mobile Money Transfer Mobile Payment Near Field Communication
16. New products and services 2011: Swedish person-to-personpayment service…? Butthere is alreadysuch a service! (BTW, PayPal’s First person-to-personpaymentapplication for Palm waslaunched in 1999)
19. 19 Services Tieto is building Proximity PaymentsProximity payments Loyalty programs Inshopquidance Trust services AuthenticationSecurity Ticketing Public transport ticketing Movie theater tickets Airline ticketing Parking payment Road tolls mBanking Account management eInvoicing Trading Wealth management Financing Remote payments in digital services Remote payment Micropayments P2P payments Rewarding Phonebook: Matti Meikäläinen Maria Maija Mainio Jussi Juonio Paul Sminth SMS E-mail Money MMS SelectCancel
24. Thanks This presentation will be available on slideshare.net/TietoCorporation It contains Public Domain pictures from Wikimedia Commons commons.wikimedia.org Gustaf Brandberg Digital Business Advisor Digital Transformation & Consulting Tieto Corporation gustaf.brandberg@tieto.com www.tieto.com
Editor's Notes
Main point(s):Introduction-----------------------------------Hej, jag heter Gustaf Brandberg och ska kort prata om vad ni banker måste göra i framtiden för att behålla befintliga och attrahera nya privatkunder. Och – som ni vet – är framtiden redan här, den har bara inte distribuerats till alla människor än, så jag kommer prata både om saker som finns i andra delar av världen och snart kommer till Sverige och den pågående stora omvälvningen av den svenska privakundsmarknaden.
Main point(s):Mostimportant points from Bank 2.0 (digital customership for banks and customer interaction management)------------------------------------------Först kommer jag kort att repetera de fem teser som jag presenterade på Bank 2.0 i november och som fortfarande gäller. Du kanske hörde mig prata då eller har sett mina slides på Slideshare, men eftersom repetition är pedagogikens pappa kommer här Brandbergs Fem Bankteser:
Main point(s):Follow up + budget functionality to get data for customerprofileFör det första måste ni bygga funktionalitet i era internetbanker som uppmuntrar era kunder att lämna information om sina planer och funderingar, information som ni sedan kan använda för att erbjuda rätt produkt vid precis rätt tillfälle, oavsett vilken kanal ni eller kunden väljer vid en kontakt.
Main point(s):Userexperience is a competitiveadvantageFör det andra måste ni göra det enkelt att bli och vara kund hos er. Enkelhet är en konkurrensfördel.
Main point(s):Human assistedwebFör det tredje börjar nästan alla som har behov av en bankprodukt med att göra efterforskningar på internet, men de flesta fullföljer inte köpen av komplexa produkter online eftersom de vill prata med en rådgivare. Vi på Tieto har ett koncept för att sömlöst låta kunder gå från självbetjäning till manuell betjäning som vi kallar för ”The human assistedweb”.
Main point(s):Social media is morethanYoutube and FacebookFördetfjärdeär social media såmycketmerän YouTube ochFacebook. Till exempel: Enligtjournalisten Andreas CervenkapåSvDtittar SEBs Annika Falkengrenpåhursmåspararnaflyttarsinapensionspengarnärhonsjälvskaväljaplaceringsform – ettklassiskt fall avcrowdsourcingavråd. (Samtidigtkan man fråga sig varförhonbetalarsinaanalytiker i bankentiotalsmiljoner i lönoch bonus, ellerhur?)
Main point(s):Tieto can offer the whole stack of products and services needed to run a bank efficientlyFör det femte är det lättare sagt än gjort att bygga system som tillhandahåller dessa tjänster på ett enkelt sätt. Då kan det vara bra att veta att vi på Tieto erbjuder smidiga outsourcinglösningar av hela systemstacken, vilket inte minst Carl-Viggo på Nordnet kan vittna om.
Main point(s):Question the common definition of a bankDetvarsummeringenav Bank 2.0. Idagska jag iställetprataom den pågåendestoraomvälvningenav en bankmarknadsomfåralltluddigarekonturer. Jag villbörja med attställafrågan till er i publiken: “Vadär en bank?”.
Main point(s):If a groacery store chaincanrun a bank, anyonecan. The banks let this playerenter the market by chargingtoo high transaction costs for card paymentsDet här är en bank: Peppe Jansson och hans mamma på ICA i Torsåker i Sverige. I mitten av nittiotalet och början av tjugotalet startade telefon- och internetspelare som Skandiabanken, Länsförsäkringar, Ikanobanken och ICA–banken. ICA drog för övrigt igång sitt ICA-kort som en reaktion på de höga kortavgifterna.Naturligtvis har Peppe inget med ICA banken att göra, jag hårddrar, men poängen är att om en livsmedelskedja kommer till insikten att det är billigare att starta en bank än att betala kortavgifter och dessutom gör det så bra att de flera år har utsetts till årets bank, senast 2007, då kan vem som helst starta en bank. Till exempel Avanza, HQ och Nordnet som startade inom värdepappershandel men ger sig nu in på bankernas kärnprodukter. Forex och OKQ8 har numera banktillstånd. Bankmonopolets dagar är definitivt förbi.
Main point(s):What is needed for banks with a lot of branchoffices that are beingchallenged by online players?Men, närdetgällertraditionellaffärsutvecklingharni en heltannantungutmaning. Eller snarare, hundratalsväldigttungastrukturersomhindrarerfrånattvaraprisledande.
Main point(s):Branchoffices is a hugecostdisadvantage, thereforetheyneed to be activated as the primarystrategiccompetitiveadvantage.You cannever be priceleader with a hugebranchofficenetwork – be prepared to adapt to a shrinking market. Jag pratarnaturligtvisombankkontoren.De kommer i allamöjligaolikaskepnader, men jag villframföralltattniskafunderapå de marmorpalatssomgammelbankernatraditionelltharbyggt – vadfördet? Jo, om du villattnågonskalänsamadrassenochge dig hela sin förmögenhet i förvaringvill du gärnaframståsomtrovärdig, somom du kommerattfinnaskvarom fem ochtioårnärdetärdagsattlämnatillbakapengarna. Därförkostymerna. Därför de rakavattenkammadebenorna. Därförmarmorpalatssomärbyggdaförattimponera, föratt se utsomomdetkommerattfinnaskvarföralltid. Förtroende. Idagfunkardetinteattförsökaadresserakunderna von oben. Som Fredrik Sauteruttryckerdet: den bank somvinnerkundernashjärtanvinnerävenderasplånböcker. Därförmåstenifunderapå – representerarkontorenverkligenförtroende, ellerärdetbara en kostnadsmassa?Såvida ni inte vill avveckla bankkontoren och utmana Nordnet, Skandiabanken och de andra onlinespelarna på deras egen hemmaplan måste ni aktivera bankkontoren och se till att de blir er starkaste konkurrensfördel. De är nämligen er starkaste konkurrensnackdel. Om man har flera hundra bankkontor kan man aldrig konkurrera på pris.
Main point(s):Truely innovative services are hard to developwithinexisting bank structuresSå,hurskanigöraförattvara med ochtävlapånyamarknader?
Main point(s):Internet, computer and telecomcompanies are challenging the bank industryInte nog med det:Dessutom håller helt andra spelare på att kapa åt sig en del av marknaden, inte minst inom betalningar. På den här resebyrån i Gamla stan kan man till exempel föra över pengar vart som helst i världen genom Western Union. På Zopa.com kan privatpersoner låna ut pengar till andra privatpersoner. Square förvandlar din iPhone till en kortterminal. MyOrder är en mobilapplikation som låter dig beställa och betala på tusentals anslutna barer och restauranger. Bank of America, Holländska Rabobank och många andra banker har tjänster för SMS-betalningar, för övrigt ett område där mobiloperatörerna kommer klampandes in på bankmarknaden. Apple har för övrigt också lämnat in ett patent för en person-till-personbetallösning för iPhone och iPad.Kontentan är att eftersom pengar är digitala behövs inte längre sedlar och mynt för att överföra tillgångar från en person till en annan; alla digitala medier som till exempel SMS, e-mail och telefonsamtal fungerar alldeles utmärkt vilket öppnar upp spelplanen för alla aktörer som är vana att utveckla digitala tjänster av någon form.-------------------------------------------------------------The first new patent speaks to Apple'sinterest in converting the iPhone (or iPod Touch, for that matter) into a potent mobile computer that works as an electronicpoint of saledevice. The idea is that a futureiPhonewouldhaveboth a near-field "transmit" circuit, like that inside your contactlesstrain ticket) and a readercircuit. Therecouldalso be a built-in laser scanner for barcodeidentification, and the iPhone's camera couldalso be used to identifyproducts (possiblyusingsomething like the 2D quickmarkbarcode system.)
Main point(s):Mobile Financial Services is an area that is going to be big-------------------Till exempel: Tre glödheta områden inom mobilitet är mobila bank- och betaltjänster: överföra pengar med mobilen, betala för tjänster i realtid via exempelvis SMS eller e-post eller genom NFC-lösningar där en RFID-läsare ersätter traditionella kortterminaler.De här tre områdena placerar till exempel Gartner på plats 1, 6 och 7 över listan på alla mobila tjänster som kommer att få hög penetration. Gartner förutspår att mobila betaltjänster kommer att användas av 190 miljoner människor globalt inom 2 år. Det är helt enkelt ett område som det händer mycket inom.----------------------------------------------“Mobile payment users will reach 190 million in 2012, representing more than 3% of mobile users worldwide.”Gartner:No. 1: Mobile Money Transfer No. 2: Location-Based Services No. 3: Mobile Search No. 4: Mobile Browsing No. 5: Mobile Health MonitoringNo. 6: Mobile Payment No. 7: Near Field Communication Services No. 8: Mobile Advertising No. 9: Mobile Instant Messaging No. 10: Mobile Music
Main point(s):The Swedish market is morethan 10 yearsbehindCompetitors for p2p paymentshavealreadyentered the Swedish marketHur står sig Sverige i den internationella konkurrensen här?Till exempel Bank of America har ju redan lanserat en SMS-betaltjänst och i Holland kan man skicka pengar via SMS om man är kund hos Rabobank. Vi är lite efter, nästa år kanske en tjänst för mobilbetalningar mellan privatpersoner lanseras i Sverige enligt ett pressmeddelande från Bankföreningen. Eller förresten, det finns ju redan en sådan tjänst i Sverige som gör att man kan skicka svenska kronor till en e-postadress från sin mobiltelefon – jag har den applikationen här i min iPhone. Det är den globala aktören PayPal som har utvecklat den. På tal om iPhone är ju Apple på gång att utveckla en liknande tjänst också (kolla källa). Faktum är att PayPal utvecklade den första person-till-person-betaltjänsten för Palm OS redan 1999, för över 10 år sedan.Kontentan är: ni är alldeles för sega i starten.
Main point(s):Intrapreneurs must be allowed to gamble and cannibalize on existingrevenuestreams--------------En fråga ni måste ställa er om ni vill vara med och tävla på denna mycket lukrativa och snabbväxande marknad eller inte. Om ni ska vara med måste ni satsa hårt. PayPal satsade 100-tals miljoner kronor på att köpa kunder och investerade totalt 137 M$ innan de fick positivt kassaflöde. Å andra sidan är de nu marknadsledande.
Main point(s):Big structureskill innovationVad är detta? Jo, hästar ritade av en kommitté. Denna slående liknelse fick jag av Fredrik Sandberg som en gång i tiden var med och startade Nordnet och berättade att den överskuggande frågan han ställde sig varje dag var när storbankerna skulle citat ”sluta vara idioter” och ta över hela marknaden för värdepappershandel på internet. Nordnet fick hållas och är nu istället den som ger sig in och konkurrerar på bankernas kärnmarknad.
Main point(s):Tieto is a good partner for developing innovative servicesPå Tieto jobbar vi just nu med att utveckla mobila lösningar för allt från gränssnitt mot traditionella banktjänster, till att använda mobilen som plånbok för mikrobetalningar via internet, betalning i butik eller köp av biljetter. Kort sagt, om ni vill utveckla verkligt innovativa tjänster är vi rätt partner för er.
Main point(s):ConclusionSammanfattningsvis:
Main point(s):A lot of new players.Bankmarknaden översvämmas just nu av nya aktörer – vissa lokala, andra globala. Många av dessa nya aktörer är inte banker i traditionell mening utan verkar i helt andra brancher.
Main point(s):Excellent multichannelcustomer interaction management is essentialOm man inte redan har en utpräglad onlinestrategi måste man se till att bankontoren blir det viktigaste konkurrensmedlet. Det kan man bara göra genom att se till att alla kundkanaler samverkar och förstärker varandra, och det kan man i sin tur bara göra om man har stenkoll på sina stödsystem och processer.
Main point(s):Innovateoutside of traditionalstructures.Slutligen: det går inte att producera och lansera verkligt innovativa banktjänster genom de vanliga bankstrukturerna. Kannibaler måste få härja fritt.
Main point(s):Promote Tieto’s social media presence