The Digital Insurer was pleased to talk about how to think digital and transform face -to-face bancassurance models in Asia.
visit the-digital-insurer.com for more information on the conference.
The Digital Insurer presented at this conference on 18th June 2014.
The aim of the presentation was to look at the digital trends that are impacting health insurance and to explore how digital thinking can transform face-to-face sales of health insurance in Asia as well as develop new business models.
Visit the-digital-insurer.com for more information on digital insurance in Asia
Digital insurance trends in Asia - Presentation to Allianz regional conferen...The Digital Insurer
This deck is an extract of a presentation given to Allianz CIO's and COO's in Singapore in May 2013.
Note : The presentation is an independent presentation by The Digital Insurer and does not represent or reflect Allianz policy or strategy.
Retail Banking: Delivering a Meaningful Digital Customer ExperienceCognizant
To compete effectively, banks must fully adopt digital technologies to enhance customer experience, by providing mobile banking, omni-channel banking options, digital personal financial management, and more.
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 Digital Insurer presented at this conference on 18th June 2014.
The aim of the presentation was to look at the digital trends that are impacting health insurance and to explore how digital thinking can transform face-to-face sales of health insurance in Asia as well as develop new business models.
Visit the-digital-insurer.com for more information on digital insurance in Asia
Digital insurance trends in Asia - Presentation to Allianz regional conferen...The Digital Insurer
This deck is an extract of a presentation given to Allianz CIO's and COO's in Singapore in May 2013.
Note : The presentation is an independent presentation by The Digital Insurer and does not represent or reflect Allianz policy or strategy.
Retail Banking: Delivering a Meaningful Digital Customer ExperienceCognizant
To compete effectively, banks must fully adopt digital technologies to enhance customer experience, by providing mobile banking, omni-channel banking options, digital personal financial management, and more.
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.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
Insurance Distribution Conference, 17th Jan 2008Mahavir Chopra
The Presentation was rolled in at the Insurance Distribution Conference at ITC Grand Maratha Sheraton. The presentation provides a detailed note and road map to the beginning of a multi-layered online Insurance distribution channel in India.
The Future of Retail Banking: Customized product offerings and self-service s...Zafin
With the best of intentions, banks often assume what customers want, push the wrong products and services, work in siloes and generalize. Banks tend to forget that their customers are human beings that evolve and so do their needs. Not everyone makes the same choice, so banks need to reflect this in their product offerings.
For banks to differentiate themselves and move forward, they need to allow customers and Relationship Managers to dynamically bundle products and services based on the customer’s preferences. The more you bank with me, the more value we will provide in return.
Under a Product and Pricing Lifecycle Management (PPLM) model, create suitable products and product bundles based on customer or other data across lines of business and business units.
Presented by Zafin’s Meenaz Sunderji, General Manager, Asia Pacific, at the 20th meeting of the World Savings and Retail Banking Institute’s (WSBI) Asia/Pacific Regional Group in Vietnam on May 21, 2014.
www.zafin.com
Design Teams as connectors for organisational changeHarriet Wakelam
Financial services innovation is exploding in London however; there is the emergence of a two-speed innovation culture where banks and start-ups work together and against each other in an uneasy and sometimes volatile partnership. This talk shares the most exciting directions from the big smoke but also looks at the huge opportunities for the experience design skills of idea connection, cross-disciplinary action and collaboration. Find out how what you know is more valuable than you think.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Presentation: Distribution Channels for Life Insurance, A Global PerspectiveIntelligo Consulting
Presentation at the 2nd Annual Life Insurance Forum, Amsterdam, 9-10 April 2014
- Bancassurance as a major distribution channel for life insurance
- Consumer research: distribution of protection-related life insurance in Europe
- The global market for creditor / creditor life insurance
Webcast Presentation - What's in your (e) Wallet? Transforming payments and t...GRUC
Payments and transactional services present multiple ‘moments of truth’ for demanding clients who are often interacting with us anytime and anywhere. For financial services organizations, the 24/7 nature of the industry and its intense competition have made innovation and optimization of these capabilities critical. Learn about the experiences of IBM clients in transforming their payments and transactional services with IBM Rational DevOps capabilities.
See how banks, brokerages and insurance firms are aligning the life cycles of legacy back offices with the agile sprints of the mobile payments development shops and value-added technology partners.
Presented by:
Bruce Baron, Financial Services Sector Offerings Leader, IBM
Bruce Baron serves as the Offerings Lead for IBM Rational for the Financial Services Sector. Bruce and his team set the strategy, define our offerings and work to drive a collaborative cross-functional team of sales, marketing, enablement and development in assisting clients with solving business issues by bringing to bear all product segments and IBM brands. Prior to IBM Rational Bruce was a Strategy Consultant to Financial Services clients and has years of client experience as an e-business and six-sigma consultant in Financial Services at GE Capital.
Peter Eeles, Financial Services Sector Industry Lead, IBM Rational Worldwide Tiger Team, IBM
Peter Eeles is Industry Lead for the Financial Services Sector in IBM Rational's Worldwide Tiger Team, where he helps organizations improve their software development and delivery capability. This is often in conjunction with an architecture-centric initiative such as SOA or strategic reuse, where Peter has particular in-depth knowledge. Peter comes from a delivery background and was previously Chief Architect of IBM Rational's Worldwide Solution Delivery organization. He is co-author of "The Process of Software Architecting" (2009), "Building J2EE Applications with the Rational Unified Process" (2002), and "Building Business Objects" (1998).
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
Innovation and Transformation in Financial ServicesCertus Solutions
Historically, financial services firms have struggled to target and tailor their product offerings to the customer journey. Often only traditional demographic information – gender, age, occupation – is collected with no real insight as to what life stage a customer is in and how this could influence their financial activity.
To compete in a consumer-empowered economy, it is increasingly clear that financial services firms must leverage their information assets to gain a comprehensive understanding of markets, customers, channels, products, regulations, competitors, suppliers, employees and more.
AIA Present iPOS tablet toolkit at Transform 2015 ConferenceThe Digital Insurer
AIA are possibly the global leader in their use of tablet toolkits at the point of sale for life insurance. This short presentation gives a status update. Visit The Digital Insurer for more informaiton on the use of tablet toolkits in insurance and to join our community of professionals who are interested in the digital transformation of insurance
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
Insurance Distribution Conference, 17th Jan 2008Mahavir Chopra
The Presentation was rolled in at the Insurance Distribution Conference at ITC Grand Maratha Sheraton. The presentation provides a detailed note and road map to the beginning of a multi-layered online Insurance distribution channel in India.
The Future of Retail Banking: Customized product offerings and self-service s...Zafin
With the best of intentions, banks often assume what customers want, push the wrong products and services, work in siloes and generalize. Banks tend to forget that their customers are human beings that evolve and so do their needs. Not everyone makes the same choice, so banks need to reflect this in their product offerings.
For banks to differentiate themselves and move forward, they need to allow customers and Relationship Managers to dynamically bundle products and services based on the customer’s preferences. The more you bank with me, the more value we will provide in return.
Under a Product and Pricing Lifecycle Management (PPLM) model, create suitable products and product bundles based on customer or other data across lines of business and business units.
Presented by Zafin’s Meenaz Sunderji, General Manager, Asia Pacific, at the 20th meeting of the World Savings and Retail Banking Institute’s (WSBI) Asia/Pacific Regional Group in Vietnam on May 21, 2014.
www.zafin.com
Design Teams as connectors for organisational changeHarriet Wakelam
Financial services innovation is exploding in London however; there is the emergence of a two-speed innovation culture where banks and start-ups work together and against each other in an uneasy and sometimes volatile partnership. This talk shares the most exciting directions from the big smoke but also looks at the huge opportunities for the experience design skills of idea connection, cross-disciplinary action and collaboration. Find out how what you know is more valuable than you think.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Presentation: Distribution Channels for Life Insurance, A Global PerspectiveIntelligo Consulting
Presentation at the 2nd Annual Life Insurance Forum, Amsterdam, 9-10 April 2014
- Bancassurance as a major distribution channel for life insurance
- Consumer research: distribution of protection-related life insurance in Europe
- The global market for creditor / creditor life insurance
Webcast Presentation - What's in your (e) Wallet? Transforming payments and t...GRUC
Payments and transactional services present multiple ‘moments of truth’ for demanding clients who are often interacting with us anytime and anywhere. For financial services organizations, the 24/7 nature of the industry and its intense competition have made innovation and optimization of these capabilities critical. Learn about the experiences of IBM clients in transforming their payments and transactional services with IBM Rational DevOps capabilities.
See how banks, brokerages and insurance firms are aligning the life cycles of legacy back offices with the agile sprints of the mobile payments development shops and value-added technology partners.
Presented by:
Bruce Baron, Financial Services Sector Offerings Leader, IBM
Bruce Baron serves as the Offerings Lead for IBM Rational for the Financial Services Sector. Bruce and his team set the strategy, define our offerings and work to drive a collaborative cross-functional team of sales, marketing, enablement and development in assisting clients with solving business issues by bringing to bear all product segments and IBM brands. Prior to IBM Rational Bruce was a Strategy Consultant to Financial Services clients and has years of client experience as an e-business and six-sigma consultant in Financial Services at GE Capital.
Peter Eeles, Financial Services Sector Industry Lead, IBM Rational Worldwide Tiger Team, IBM
Peter Eeles is Industry Lead for the Financial Services Sector in IBM Rational's Worldwide Tiger Team, where he helps organizations improve their software development and delivery capability. This is often in conjunction with an architecture-centric initiative such as SOA or strategic reuse, where Peter has particular in-depth knowledge. Peter comes from a delivery background and was previously Chief Architect of IBM Rational's Worldwide Solution Delivery organization. He is co-author of "The Process of Software Architecting" (2009), "Building J2EE Applications with the Rational Unified Process" (2002), and "Building Business Objects" (1998).
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
Innovation and Transformation in Financial ServicesCertus Solutions
Historically, financial services firms have struggled to target and tailor their product offerings to the customer journey. Often only traditional demographic information – gender, age, occupation – is collected with no real insight as to what life stage a customer is in and how this could influence their financial activity.
To compete in a consumer-empowered economy, it is increasingly clear that financial services firms must leverage their information assets to gain a comprehensive understanding of markets, customers, channels, products, regulations, competitors, suppliers, employees and more.
AIA Present iPOS tablet toolkit at Transform 2015 ConferenceThe Digital Insurer
AIA are possibly the global leader in their use of tablet toolkits at the point of sale for life insurance. This short presentation gives a status update. Visit The Digital Insurer for more informaiton on the use of tablet toolkits in insurance and to join our community of professionals who are interested in the digital transformation of insurance
The Digital insurer was pleased to present at IQPC claims & underrwriting conference in Singapore in September 2013. The presentation aimed to stress the important of tablet POS toolkits as a tool to transform agency distribution. In that context the opportuntiy for digital underwriting is then clarified.
The Digital Insurer managed Asia's largest article forum for professionals interested in digital insurance.
Listen to an experienced, global panel of insurance professionals present, discuss and answer your questions on the theme of “Peer-to-Peer Insurance & Community”.
Brought to you by The Digital Insurer and sponsored by KPMG.
The 1:1 Experience™ is a service offered by Fuji Xerox to enable companies to create a personal connection with customers, using the best of traditional CRM techniques combined with new marketing intelligence, all enabled with capabilities of high technology.
Combining targeted messaging based on customer profile and contextual information with an integrated multi-channel approach across web, print, SMS and social media platforms, the 1:1 Experience delivers increased ROI efficiency.
Think Digital : Transform your life insurance agency model in AsiaThe Digital Insurer
This presentation by The Digital Insurer was given at IDC conference in Singapore in September 2013.
It is a strategy for digital transformation and argues that tablet toolkits are the pivotal technology for that transformation to more digital and customer centric future.
Digital Thinking to unite sales and operations - LIMRA Bangkok 2015The Digital Insurer
2015 Operational Strategies Conference
This conference is for insurance professionals primarily involved with the back office operations at financial services and life insurance companies in Asia Pacific.
Digital thinking to transform face-to-face insurance in Asia by Hugh TerryThe Digital Insurer
These are the slides presented by The Digital Insurer at the Insurancecom conference in HK at the Ritz Carlton on 2nd December 2014.
The theme of the conference was profitable strategies for growth in 2015 and this presentation focuses on the opportunity to use digital thinking and trends to create Agency 2.0 and Banca 2.0 models
An overview of how digital is transforming the Insurance Industry. With a case study from Nest, the UK Government's pension auto enrolment scheme on how they are embracing digital and innovation to attain strategic objectives.
Our second #SocialBreakfast at Your Social Agency about social care and customer centric strategies.
How to turn your business socially matured. This was the topic of our social breakfast workshop where banks, insurances, FMCG, retail and real estate participated presented by Victor Madueno and Your Social agency. Maturity models help businesses plan their digital transformation within digital and social, by applying new business and organisational models.
Your Social is a strategic and creative social agency, with offices in Breda (NL) and Dubai (UAE) part of Oxyma Group.
Today’s client is smart and getting smarter by the minute. From virtually anywhere, they can find out about you, your firm, your competitors, whether your clients are happy—and most importantly, with a mere 140 characters, they can impact your brand.
• Today, law firms must face the reality of super consumers. They are unbelievably informed, highly fickle, and extremely powerful with a nearly unpredictable purchase path.
• They have unprecedented access to information, the ability to easily compare firms, fees or feedback in a matter of clicks, access to reviews—whether from a trusted confidant, highly rated industry source, or someone merely taking to their social network to make their experience known.
• And they can easily do the same—joining the social conversation with their experience and recommendation to others – giving a “like”, “thumbs up”, happy face, or not, and with a click of the button can make an impression on your brand.
• Everyone has probably heard the United Breaks Guitars story; it epitomizes the challenge firms face – each individual now has a powerful voice. In this example, United Airlines was unresponsive to a passenger’s complaints that his guitar was broken by negligent baggage handlers (he actually saw them throwing his beloved instrument through the air as he was waiting to deplane). This treatment lead him to record a song about his experience that he posted on YouTube. Over 12 million views later, this YouTube sensation has written a book on the very topic of how powerful one voice can be in the age of social media.
Digital Transformation and the Marketing ProfessionalMatthew W. Bowers
Defining and understanding digital transformation and the marketing role. How can marketing drive transformation? what are the tasks, strategies and things that can help.
The explosion of the social conversation along with the proliferation of mobile technology has changed our lives, more than we ever could have imagined.
The explosion of mobile technologies and rapid adoption of social networks have completely impacted our human behavior -- our communication methods, engagement principles, our belief and trust systems, and even our decision making criteria and models.
Firms need to understand these new principles and adopt them -- genuinely and proactively -- if they want to effectively engage clients.
How has the client changed and why does your firm need to reflect this? Because your success will depend on it, and so will your identity.
Today’s buyer is smart and getting smarter by the minute. From virtually anywhere, they can find out about you, your services, your competitors, whether your clients are happy—and most importantly, with a mere 140 characters, they can impact your brand.
Today, firms must face the reality of super consumers. They are unbelievably informed, highly fickle, and extremely powerful with a nearly unpredictable purchase path.
They have unprecedented access to information, the ability to easily compare fees, costs or services in a matter of clicks, access to reviews—whether from a trusted confidant, highly rated industry source, or someone merely taking to their social network to make their experience known.
And they can easily do the same—joining the social conversation with their experience and recommendation to others – giving a “like”, “thumbs up”, happy face, or not, and with a click of the button can make an impression on your brand.
It is no surprise then that firms who wish to remain competitive in this new age are concentrating their efforts on creating amazing client experiences…
Cisco webinar serving the connected customergarycoville
This is a presentation delivered by Cisco and eGain in January 2015 focused on how to deliver the Total Customer Experience through an omni-channel solution
The Digital Advisor - Using technology to improve an advisory sales process f...The Digital Insurer
This presentation was presented by Hugh Terry of The Digital Insurer. It covers how to "digitally enable" a life insurance sales force (agents or bancassurance) to take advantage of new technologies
Learn more about changes in customer experience and new ways to approach digital experience by Embitel's Digital Experience Head, Mr. Manish Narayan. Know about how Embitel is pioneering ahead in digital experience.
Providing exceptional customer experience and bringing innovations in digital experience is Embitel's principal goal always. Check out this exclusive interview of Embitel's Digital Experience Head, Mr. Manish Narayan talk about Embitel's upcoming goals and changes in customer experience and digital experience.
Accelerating Customer Insights & enhancing Business impactAjay Kelkar
How do you convert data into insight and then use that to drive business impact. Here are some lessons from my experience in HDFC bank and also as an entrepreneur at Cequity
Best Practices in Business Innovation: Business Models Changing the Landscape...Aggregage
Companies these days cannot afford to stand still!
Cheryl Perkins, Founder and President of Innovationedge and a visionary business leader, will share best practices of companies who are defining and implementing new business models. These models are used to create new pathways to value and deliver growth in today’s business climate. She will lead you on a journey through business model basics and describe how companies are taking innovation strategy to the next level, while tackling the current challenges of talent management and innovation fatigue.
Similar to The Digital Insurer speaks at AIA's inaugral bancassurance seminar (20)
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
2. Discussion Agenda
Strategic context
Digital – it is a revolution
The Digital Advisor …. The new “face” of life insurance
sales
Getting into the details
Tablets point of sales toolkits are pivotal for success
Bancassurance transformation challenges
Q&A Session
3. The Digital Revolution:
“It will not be televised”
Digital
Convenience
•
•
•
•
Always on
Always there
Universal
Almost free
Digital
Connectivity
• Access to
information
(Google)
• Access to each
other (Facebook)
• Access through
devices (Apple)
• Location-agnostic
(cloud services)
Change, Change, Change….
Digital
Expectations
• Data “on demand”
• Desire for clarity &
simplicity
• Dialogue not
monologue
• Easy to promote a
product .. and
complain
4. Two digital “Mega” trends :
Forces beyond anyone’s control
1. Technology is cheaper and
easier to implement than ever
– it is the fulcrum to meet
consumer needs, reduce
operating costs and to
change your culture
2. Changing consumer
behaviour – they are
demanding and seek a
different experience
6. Welcome to Digital Customers:
“They are hybrid”
Myth #1: Digital is a new distribution channel
Reality : Digital enables customer (& distributor) engagement
Online
The Hybrid
Customer
Face
To
Face
Phone
The hybrid customer is…
• Better informed
• More demanding
• “Multi-channel” for both sales &
services
• Will jump channels at any point –
catch them if you can!
7. Bancassurance Audit:
x
Where are we now?
Strengths
•
•
•
Leverage customer
banking relationships
Utilise physical
infrastructure
Insurance is a logical
product extension to bank
products
The Customer Centricity Challenge
•
•
•
•
Result : higher productivity &
generally higher quality
business than life agency
distribution
•
Fee driven models: are the norm.
After sales service limited to basics
transactions – where is the cross-sell
opportunity?
How well do RM‘s really know their
customers? Or are they product
pushers?
“Traditional” Tele-marketing –
regulatory tightening to continue
Insurance Product can be driven by
wealth managers product bias –
short term and investment focused
…. and what happens when we factor in digital trends?
8. Anchored to basics : Digital Bancassurance
strategies need to leverage insurance fundamentals
Current Bancassurance
Paradigm
Trust is at
the heart of
insurance
Rely on Bank brand
Relationship managers
leverage trust already placed in
the bank
Digital Impacts
As customers research on-line
trust will need to be developed
and leveraged on-line
Trust must be earned and
reinforced in every interaction
Great
insurance
advisors always in
demand
Bank RM’s ≠ insurance
advisors. RM’s have natural
bias towards investment
products
For mass market not really a
personal relationship – order
taking and closing the sale
When customers research online
they will research their advisors as
well….
Less time face-to-face – but no
less important
Insurance advisors need to be
more mobile (digitally & physically)
Customer
service
matters
Little emphasis on customer
service after the sale is closed
Back office is … back office
Mobile technology provides
opportunities for cost effective
customer service differentiation
Customer will expect this – a
hygiene factor very soon
9. Digital Bancassurance:
3 Opportunities
1. Generate more leads
2. Improve customer service &
engagement
3. Improve face-to-face sales
processes
Combining all three = The “Digital Advisor” Business Model
10. The Digital Advisor
Business Model
Customer
Portal / App
Sales
Opportunities
Policy Systems
Tablet
Lead / Prospect
Management
Advisor
Portal
11. 1. More Leads
Fewer and fewer customers will go to the bank branch
•
•
Sales
Opportunities
•
•
•
Co-partnership Customer lead
models for
generation
Portal / App
Apps to generate leads from the “digital
cafes”
Analytics has an enormous role to play
Get the lead to the right person at the
right time
Policy systems to
Lead management Systems manage
multiple leads , measure ROI and
promote better practices
Business outcome:
- More leads
Tablet
- Better quality leads
Lead / Prospect
Management
Advisor
Portal
12. 2. BUILD A “DIGITAL ECO-SYSTEM”
AROUND LEGACY POLICY SYSTEM TO
TREAT CUSTOMERS LIKE CUSTOMERS
2. Better Service
•
Customer portal/app: An on-line
marketing capability for customer
engagement leading to cross sell / up sell
opportunities
Customer
Portal / App
•
Customer experience centre: Multi
channel customer support to connect
Advisor Generated
customer interactions – a digitally assisted
Leads
customer service revolution (the engine
room for converting “data into business”)
Customer Experience Centre
•
Policy Systems
Advisor portal: Customer data and
advisor performance at your finger tips
Business outcome:
-
Building deeper, richer and better
relationships with customers and advisors
Lead Generator /
Facilitate and co-partners the advisors to
Prospect Management
better meet customer needs
Allow “farming” as well as “hunting”
Advisor
Portal
13. 3. Improved Selling
Customer
Portal / App
Sales
Opportunities
3. “connecting
the eco system”
Policy Systems
Tablet
Lead / Prospect
Management
Advisor
Portal
14. Tablet sales toolkits : Will be “business as
usual” in most markets within 5 3 years
Tablet Functionality:
Should be focused on the customer
1.
2.
3.
4.
Present credentials (materials)
Identify needs
Produce quotes and help to close
Easy proposal submission
Usability is the Key Success Factor
•
•
•
Must be designed for advisors to connect with customers
Easy to use with a “wow” factor that encourages use with clients
Great usability is critical: engage/delight customers & advisors
15. Usability = function plus form
Quote Output: graphical display option with
premium iteration to facilitate closing
Easy iteration on
premium to
help sales closing
16. POS Tablet sales toolkit : Easy business case
OTHER BENEFITS AFTER SUCCESS
PRIMARY BENEFIT
Improved Sales
effectiveness through
a better customer
experience
1.
2.
Enable lead analytics / Predictive analysis
Improved compliance to sales best practice
(& regulatory requirements)
3.
Back office productivity from digital
proposals
More efficient
Faster & more accurate (clean policies in a day)
MEASURED BY :
High tablet usage from
Advisors
Increased sales
productivity per month
4.
5.
Reduced overheads: premises &
technology costs
Business intelligence
Benchmarking data
Usage data
“Bigger” data
6.
7.
Recruitment training (and hiring) tool
Platform for more automated underwriting
17. Independent Case Study:
AIA Point of Sales Tablet Toolkit
iPoS Interactive Point of Sales
Video interview
(to insert movie file here)
18. 3 Key success factors Broad POS functionality delivered with offline regional platform
1. Off-line model
2. Broad set of Functionality
• 100% availability
• “Any time, Anywhere”
• Advisor “digital briefcase”
3. AIA’s Regional Journey
1. Year 2012: Initial Rollout in Singapore
2. End of 2013: Rollout in 9 countries (2 to go)
•
Singapore, Malaysia, Indonesia, Thailand, Philippines, Sri Lanka, Vietnam,
Hong Kong, Taiwan
3. 2014 first bank partner moves to 100% tablet sales
19. Usability = function plus form
“The Dial”
Easy, fast, fun
& professional
needs analysis
20. Initial results:
Results exceeding expectations
High Usage
If AIA could do it again
% of Advisors actively using iPoS
100%
75%
Country A
Country B
Country C
Country D
50%
25%
0%
Oct 12
Jan 13
Apr 13
Jul 13
Increased Productivity
Average increase in ANP*
Country B
+16%
Country C
+54%
Country D
+64%
*iPoS advisor versus non-iPoS advisor
“I would not do much
differently. iPoS is very
successful in the way we
manage it, continuously
improve it and roll it out.
However, we were initially
overwhelmed by the
success of iPoS and
didn’t have enough scale
and capacity to roll it out
to the countries. Next time
I would react quicker and
be more decisive on
adding manpower to such
a program.”
AIA Director leading the
development
21. Reality check: In practice, Digital Advisor models
for bancassurance are complicated
1.
Who builds & controls the technology?
2.
How long-term is the bank/insurer relationships?
How closely are the bank and insurer aligned?
3.
Who does the selling? Wealth Manager or
dedicated insurance advisor? (Latter is easier to transform)
4.
How many insurance partners does the bank have– best in class / “open
architecture”, tied or broker model?
5.
Can you navigate the security & governance maze - X2 (bank + insurer)?
Easiest starting point for digital transformation : exclusive
relationship using dedicated Insurance specialists with technology
provided by the insurer
22. Are you ready? 3 Pre-conditions for Success
1. Willing to mine and share data – “Provide access with due care”
2. Co-operative & long term partnership where both bank and
insurer compromise and learn from each other – and both invest
for success
3. Prepare for hard work: No easy paths when it comes to
technology implementation
• No “one size” fits all
• No magic wand
22
23. Concluding: “Business as usual” is a dangerous path
for bancassurance operations
Be radical
Now is the time to embrace change and start building digital models.
Be Cautious
You don’t need to “bet the bank”. Learn from fast and strategically well
thought our pilot projects (e.g. POS tablets and lead analytics). Find
people with the skills to transform
Beware
If you don’t utilise digital thinking, plenty of others will.