FINTECH companies have seen rapid growth and taken significant market share from traditional banks globally since 2014. They focus on profitable products, grow market share quickly, and operate below regulatory radar. While FINTECH investments are concentrated in the US, the internet has no borders, so all banks must transform digitally to compete. Traditional banks have weaknesses like over-regulated processes and legacy systems compared to FINTECH strengths like interconnected data and technology. Banks need to create win-win partnerships with FINTECH and customers to survive the disruption.
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
How Banking as a Service Will Keep Banks Digitally Relevant and GrowingCognizant
To contend with insurgent competitors, regulatory mandates and demanding consumer requirements, banks must embrace open APIs that enable them to plug-and-play in the digital business ecosystem and reinforce their value proposition amid escalating share-of-wallet challenges.
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Today's customers are fundamentally different from customers of past years as they are harder to acquire, retain, and delight because of the explosion in digital technologies consumers use day to day. New digital experiences are forcing banks to play catch-up and match the innovative and engaging interactions and products — such as mobile payments — that non-banks are offering to those same customers. This IDC research, sponsored by TCS Digital Software & Solutions Group, revealed three key themes for digital transformation in the banking industry.
Financial services is under profound pressure to transform: legislative catalysts, heightened customer expectations and new fintech entrants are forcing banks and credit unions to re-consider their role in the banking value chain. Leading organizations are responding by moving from traditional paradigms of branch banking, to Banking-as-a-Service, where the bank becomes a platform of capabilities that can be accessed and monetized via APIs, to both internal and external consumers alike. Attend this session to learn how Coast Capital, Canada's largest credit union, is making this vision a reality.
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Holvi, Seed, CivilisedBank, Tide, Qonto, Azlo, Penta, Arival bank
Neobanks or fintechs for retail clients, which have launched business accounts recently: TransferWise, Revolut, StarlingBank, N26
(c) Life.SREDA VC
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
Neobank is taking over the Fintech industry by Ne Dofofan globally. Every day we see a Neo player in the market whose main purpose is to make financial services simpler.
Growing momentum for Disruption in FinTech:
Looking back and looking forward.
Recording of the Backbase webinar of December 18th, 2014.
In our 2014 closing webinar we will look back at the disruptive highlights of this year and we start looking forward to 2015.
From BBVA acquiring Simple, to more and more neo-banks popping up, fintech startups going IPO and omni-channel moving from marketing buzz to the real thing. In this 60 minute webinar, Backbase's Jouk Pleiter and Jelmer de Jong discuss the main trends and best practices for banks and credit unions to keep on disrupting in the digital banking space.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Security process should be integrated with SDLC well to be successful. While many companies have already moved from Waterfall to Agile methodologies security remains behind more often than not. We have demonstrated in our presentation how security can move to agile by utilizing open source tools, customizing them to meet our needs and to implement a continuos security testing using dynamic scanners as well as manual testing.
It’s very important also to assure that false positives are not fed to the developers bug tracking systems and to assign a severity for each finding correctly. To make it happen we import all our findings to a security dashboard and review them before exporting to a bug tracking system.
How Banking as a Service Will Keep Banks Digitally Relevant and GrowingCognizant
To contend with insurgent competitors, regulatory mandates and demanding consumer requirements, banks must embrace open APIs that enable them to plug-and-play in the digital business ecosystem and reinforce their value proposition amid escalating share-of-wallet challenges.
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Today's customers are fundamentally different from customers of past years as they are harder to acquire, retain, and delight because of the explosion in digital technologies consumers use day to day. New digital experiences are forcing banks to play catch-up and match the innovative and engaging interactions and products — such as mobile payments — that non-banks are offering to those same customers. This IDC research, sponsored by TCS Digital Software & Solutions Group, revealed three key themes for digital transformation in the banking industry.
Financial services is under profound pressure to transform: legislative catalysts, heightened customer expectations and new fintech entrants are forcing banks and credit unions to re-consider their role in the banking value chain. Leading organizations are responding by moving from traditional paradigms of branch banking, to Banking-as-a-Service, where the bank becomes a platform of capabilities that can be accessed and monetized via APIs, to both internal and external consumers alike. Attend this session to learn how Coast Capital, Canada's largest credit union, is making this vision a reality.
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Holvi, Seed, CivilisedBank, Tide, Qonto, Azlo, Penta, Arival bank
Neobanks or fintechs for retail clients, which have launched business accounts recently: TransferWise, Revolut, StarlingBank, N26
(c) Life.SREDA VC
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
Neobank is taking over the Fintech industry by Ne Dofofan globally. Every day we see a Neo player in the market whose main purpose is to make financial services simpler.
Growing momentum for Disruption in FinTech:
Looking back and looking forward.
Recording of the Backbase webinar of December 18th, 2014.
In our 2014 closing webinar we will look back at the disruptive highlights of this year and we start looking forward to 2015.
From BBVA acquiring Simple, to more and more neo-banks popping up, fintech startups going IPO and omni-channel moving from marketing buzz to the real thing. In this 60 minute webinar, Backbase's Jouk Pleiter and Jelmer de Jong discuss the main trends and best practices for banks and credit unions to keep on disrupting in the digital banking space.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Security process should be integrated with SDLC well to be successful. While many companies have already moved from Waterfall to Agile methodologies security remains behind more often than not. We have demonstrated in our presentation how security can move to agile by utilizing open source tools, customizing them to meet our needs and to implement a continuos security testing using dynamic scanners as well as manual testing.
It’s very important also to assure that false positives are not fed to the developers bug tracking systems and to assign a severity for each finding correctly. To make it happen we import all our findings to a security dashboard and review them before exporting to a bug tracking system.
Presentació de Javier Urtiaga, soci responsable de Ciberseguretat a PwC, presentada a la Trobada dels Serveis Informàtics de les Universitats de Catalunya (TSIUC) celebrada el 3 de desembre a La Salle Campus Barcelona – Universitat Ramon Llull sota el lema “Gestió de riscos de les TIC”.
¡¡Ya hemos llegado!! @socialbrainsES, @BETA_permanente y @dygytalyaCOM han na...Paco Barranco
¿NO pudiste estar con nosotros?, ¿SI estuviste, pero quieres volver a verla? En cualquier caso, aquí tienes un resumen de la presentación que utilizamos en #FICOD14, el día 2 de diciembre de 2014, en la charla de nacimiento de socialbrains, BETApermanente y dygytalya.
In this session you will learn how SharePoint can:
* Bring co-workers together
* Improve productivity and time to market
* Make it easy to share ideas, information and documents
* Eliminate sources of delay and confusion
* Deliver immediate access and visibility to decision makers
www.acend.com
Encouraging Paperless Adoption in Financial ServicesMlicki
This short white paper outlines hurdles to consumer adoption around e-billing and e-statements in the banking and financial services industry. It offers recommendations for financial services marketers interested in increasing adoption of paperless statements.
Dimension Data evolves today's workspaces to embrace the way employees and customers live, work and interact by leveraging the power of social, mobile, analytics and cloud.
Dos and don'ts of digital transformation Barbara Biro
Branch of the Future, the digital branch, retail banking transformation, automation of retail banking services, customer experience and journey design, digital financial services and customer experience
Digital Disruption in Distribution and Manufacturing: How to Be a B2B LeaderPerficient, Inc.
Digital technology is quickly changing the rules of engagement for B2B companies in the manufacturing and distribution sectors. The convergence of data, content, intelligent devices, and artificial intelligence creates an opportunity for established companies to redefine themselves and become industry leaders. But many are missing this opportunity.
Forward-thinking companies in this transformation will make decisions by considering the overall market, moving quickly, and managing cross-functional change within the organization. The uncommitted will only consider their technology options and suffer from sub-par results…or do nothing at all.
We discussed:
-How to identify where you are in your digital journey
-How to apply “fast follower” principles and a proven framework to accelerate change
-Best practices and lessons learned by B2B organizations that have successfully achieved a higher level of digital maturity
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.
Going Digital helps you in your digital transformation journey.
We simplify the four technology pillars for an organization's digital transformation.
Founded by Sandeep Raut, a top 10 global digital transformation thought leader, influencer, and keynote speaker, GOING DIGITAL offers a wide range of digital transformation consulting services with the necessary tools and practical expertise to help grow your business.
Meet Magento 2015 Utrecht - Digital in store - SmileSmile I.T is open
Smile's conference at the Meet Magento 2015 on Wednesday 27th and Thurday 28th in Utrecht (Netherlands)
Our E-business expert, Florent Sabourin, has animated a session about the subject "E-Sellers, boost your sales with in-store digital retail experiences!"
The Meet Magento conference is the perfect place for merchants, system integrators, developers and service providers that want to get independent information about Magento and ecommerce.
New age banking summit muscat - adoptionBarbara Biro
Bank Technology, Fintech, Transformation of financial services, customer experience, digital banking, automation of retail banking transactions and services, integration of ecosystem platforms, benefits of bank technology, challenger banks, competitors
Client Onboarding: Effectively Managing the Client LifecycleDoxim Inc.
The first 90-120 days of your client’s lifecycle is commonly referred to as client on-boarding period. This period represents one of the best opportunities for a wealth management firm to engage with the client and maximize business opportunities. It is also represents an account administration challenge in terms of account opening, asset transfers, needs assessments and data capture. Download this presentation to discover more about:
- The 3 Stages of Client Onboarding
- Client Onboarding Best Practices
- Doxim's onboarding solution - Doxim OpenAdvantage
Visit www.doxim.com for more information.
Digital transformation is taking many banks and other financial institutions such as NBFCs and Insurance by storm. There are new trends coming in, and they are standing on the verge of great digital transformation which will in turn change the face and working of the industry forever.
For more info visit: https://ace.aurionpro.com/
Smart Invoice Pro- Telecom Bill Presentment SolutionMayur verma
Smart Invoice Pro powers businesses to attain digital excellence through bills that do much more than revenue collection. With smart forking, a pioneer technology that generates bills 70% faster, elevated business success is fostered by streamlining operations. Intricate personalization of bills guarantees better billing experience, minimal churn rate and reduced call volumes to customer care executives. Trusted by the largest telecom service provider in India, Smart Invoice Pro generates bills for a subscription base of over 15 million enterprise customers. It is taking the billing world by storm and disrupting the market with future-ready innovations.
GoQueue - Friction Less Customer Experience ManagementHitesh Thakkar
In Next Normal world, contactless will be normal as well as managing customers at service outlets. GO|Queue is platform which provides Safest, Fastest and profitable customer interactions.
Leveraging Technology for Business Growthincommerce
This presentation will show you why businesses need to evolve in order to sustain in the ever-expanding world of technology.
We shed some light on how to leverage technology to grow your business with extensive examples and insights. This guide will show you why and how to embrace technology and be ahead of your competitors.
Κεντρική Ομιλία: Κωστής Χλουβεράκης, Επικεφαλής Γενικής Διεύθυνσης Digital Banking, Eurobank
Τίτλος Ομιλίας: «Καινοτομία στην σημερινή Τράπεζα: Προκλήσεις, Τάσεις και Προοπτικές»
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
2. • FINTECH startup companies in
April 2015 = 800+ registered
• FINTECH startup companies in
December 2015 = 2000+ registered
• Since 2014 these Financial –
technology companies have taken
over more than 43% of the
payments’ revenue globally.
• FINTECH recently cut more than
63% of the retail segment’s
products’ revenue globally.
• FINTECH focusing on the most
profitable products
• Quickly growing their market
share in other segments.
FINTECH IS HERE TO “EAT OUR LUNCH” –
AND THEY ARE HERE TO STAY!!!
3. TIME IS UP – THE GROWTH IS DRAMATIC
• Although the global
penetration of Fintech
startup investments looks
concentrated to the US, we
must forget about
geographical matters. The
internet has no borders.
The big and powerful
disruptors are already here.
5. CUSTOMER & PARTNER ECOSYSTEMS ARE MERGING
CHANGE TO CREATE A WIN-WIN ENVIRONMENT!!!
• FINTECH companies are
usually flying below the
regulatory radar = ease of
burocracy
• Cloud based interconnected
data, IoT and enabled
technology serves Fintech
• Platformification is a solution
for banks not to loose more
business
• Leverage knowledge and
features
• Use it or loose it
• Customize and personalize and
empower ultimate reach
6. Challenges of Transformation
• Physical Instruments
• Over-regulated processes and legacy
systems
• Traditional organization and business
models
• Capability of Change Management
• Dedicated, empowered and enabled
talent
• Time
• New type of competition
8. SETUP THE NEW COMPETITIVE WAYS OF BANKING
0
1
2
3
4
5
6
STAGES OF BUILDING DIGITAL BANKING BUSINESS
Even just 1 stage ahead, your business will generate more return
GO PAPERLESS PROVIDE OPTICHANNEL EXPERIENCE
BUILD DIGITAL BRAND TO DRIVE DIGITAL TRAFFIC BE PLATFORM BE PARTNER
- Optimize processes
- Improve Alternate
Channels
- Restructure Staff
- Use Predictive
Anaytics
- Design business
for channel users
- Plan leveraged
customer journey
- Bank in the Bank
- End to End
Digital
- Separate Team
- New portfolio
- New Market
Strategy
- Cost effective
aggregation of
successful
Fintech offers
- Own or Partner
Fintech
9. Transformation practice of traditional banks
Customer Experience vs. Innovation flow
Alternate
Distribution
Channels
•Online Channels
•Mobile Channel
•E-Commerce
•ATM Channel
Physical
Distribution
Network
•Branches & Digital
Touchpoints
•Transaction
automation of
Physical
Instruments
Direct Banking
Channel & Call
Center
•Depending on
interpersonal
communication or
automated message
Technology
•Innovations rolled
out through each
channel and
towards each
department
•Communication
only exists on the
highest levels
staff
Barbara Biro
10. Are you ready for TRANSFORMATION?
Transformation of 1 thing = chain reaction
made and confirmed by the Top
Management
• Ready to change the
• Understood that the risk is
even for the next decade
• Determined and stations of
the journey, defined Customer Experience
• Allocated and rationalized
• Evaluated and prepared ,
communicated the objectives, confirmed
the resources and the vendor need
• You have provided internal omni-channel
to avoid silo obstacles
Barbara Biro
12. To Do List of Digital Transformation
to implement all over the Channels
– Focus on Migration to be able to focus on business and consultancy.
– Enhance staff awareness first of all. Revisit charges, implement negative or positive incentivization.
– Focus on simplicity, functionality and automation, increase social and online reach and
automated touchpoint availability, Kiosks/ATMs
– Built in paperless options and more lead capture, interconnected with Mobile Platform. Fully functional and automated,
seamless banking. Minimizing manual entry by data auto-population. Face to Face interaction concentrated on consultancy and business. Align banking with customers’
regular activity within the community.
• Launch end to end and personalized transparent, simple and fare fee structure
– Multifunctional employees, empowered with paperless automation.
– predictive analytics, cross-department and cross-system communication and dataflow, integrate all channels with core
system for customer recognition through cloud based communication, administration input reduction and paperless flow.
• Integrate Call Center in each Distribution Channel –
– Redesign security to simplify processes, focus on mobile and ATM.
in each Channel and customer touchpoint.
• Provide to be able to used by anybody to see their
Barbara Biro
13. Opti-Channel Distribution Process and Innovation Flow
Technology
Standardized &
Branded Customer
Experience
Marketing
Barbara Biro
Increased usage of Social
Media, and Product/Cross
Sales Personalization
Predictive Analytics,
Partner Platform
integration, Enabling
cloud communication,
Customer portfolio
aggregation
14. OMNI - Channel
• Disable silo operations
• Interconnect and leverage distribution channels
• Enable lead capture and generation
• Cross department knowledge and ‘R’KYC management
• Optimize processes, front end and back end
• Optimize Human Resources
• Optimize collaboration and workflow
• Integrate Video Chat on internal and external platforms
• Standardize and brand each UI based on the one corporate
message
• Simplify user access and content management
OPTI – Channel
+ Predictive Big Data Analytics, to know the next step of the
customers
+ Personalize the offers and the products based on
predictive data
Barbara Biro
Introduction of Opti – Channel Experience
Know what I
WILL want and
need
15. Filter innovations by added value
What we
would like to
do
What is
available
on the
market
What is
doable by
technology
Barbara Biro
17. Old-School Customer Journey
Driving to
the branch.
Waiting for
submission
Submitting
request &
service
Getting
token
from
the
CRO.
Filling
out
paper
Forms
Barbara Biro
18. Customer Journey Transformation
Mobile
Service
Request
Confirmation
of submission
and offer of
branch
appointment
if required
Service:
electronic
approval or
Branch
Customer
Service
Filling out
electronic
forms Auto-
population of
EID info to
minimize
manual entry
Electronic
Submissio
n
Barbara Biro
19. Automated Branch Unit Model
• The enlarged Automated area and the Customer Service area 1:1
• ATM Lobby equipped with self service cheque and card
managing kiosk, and Virtual Banking facility.
• No Teller area, the Super Service Desks empowered with mini
cheque scanner for withdrawals, TCR, modern ATM and Online
Banking Customer UI for service requests and product
applications. Card reader built in for KYC data capture and form
auto-population. GO PAPERLESS.
• Customer Service Area is designed to provide consultancy and
electronic banking assistance. Instant printed or emailed
personalized Product Info and Calculations. No pre-printed
material. Lead capture integrated.
• Digital Content designed for engagement and cross-selling
functionality.
• Each form processed online, no maker checker needed. Office
space can be offered for Business Banking Customers.
Barbara Biro
20. Consolidate Roles of Front End Employees - Empower Super Service Desks with
Automation
Focus on Migration/Adoption
TCR
Mini Bulk
Cheque, ID &
Card Scanners
Online
Banking UI
Barbara Biro
Remove/Restructure physical transaction
and process related employees
Need of
resources, able
to work on
Adoption,
Digital
Product, and
Experience
independently
from
traditional
model
22. A purpose-built machine that can process business transactions in personalized and integrated manner thru
integration with Video Contact Center and Business Support Systems and Applications
Document Scanner Card Reader
Barcode Scanner
Document Deposit
Encrypted PIN Pad
Contactless Card Scanner
21” 16:9 Remote Expert
Video Screen
Speakers
ID Card Scanner/Reader
Phone Handset
19” Application Touch
Screen
Laser Printer
Thermal Receipt Printer
Fingerprint Scanner
Three Cameras (Still, Video, and Surveillance)
Digital Pen
Automate for broader and remote expansion
Virtual resources for Physical Instruments and Customer Service
Barbara Biro
23. Fully Automated Branch – Pop ups
Cheque Printer
Card Printer
Cheque Deposit
ATM
Barbara Biro
24. Business Alignments
1. Blend banking in daily routine
2. Do not limit your services and expect
customers to deal with it without
solution – focus on functional
automation
3. Implement multifunctional employees
4. Go Paperless even on the back end
5. Optimize manual entry
6. Embed engagement and minimize
cross selling Barbara Biro
25. Transformation Project Phases
0
1
2
3
4
5
6
STAGES OF BUILDING DIGITAL BANKING BUSINESS
GO PAPERLESS PROVIDE OPTICHANNEL EXPERIENCE
BUILD DIGITAL BRAND TO DRIVE DIGITAL TRAFFIC BE PLATFORM BE PARTNER
- Analyze Processes,
Alternate Channels and
Business Model
- Identify necessary
functionality, UI and CX
Development
- Introduce Optimal
Technology Solution
- Introduce required
Knowledge
Management
- Introduce
Predictive
Analytic Solutions
- Plan Customer
Journey
4-5 months 5-6 months 10-12 months8-9 months
- Introduce New
Business Model
- Introduce Brand
- Introduce Digital
Portfolio
- Propose the
dedicated team
- Identify Target via
Proposed Market
Strategy
• Introduction of
Potential Fintech
Partners
• Introduction of
Aggregated Platform
and Market Strategy
