The document discusses innovations in banking and payments. It notes that while banks perform core functions like transactions and risk management well, they are not leading in front office innovation. New players are pushing new experiences and services like PayPal, Mint, and mobile wallets. The future of financial services will be enabled by banks but not necessarily driven by them. Banks need to support innovative external services and copy the best ideas. Mobile banking has yet to find its dominant design and banks risk losing competitiveness without a strategic mobile approach.
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
Mobile Banking - much more than an iPhone App, February 2013Frank Schwab
Summary
The number of banks in the US and in Germany halved between 1990 and 2012. Traditional banking is under pressure by at least 4 mega trends in banking: Increase of regulation, legacy technology, consolidation and changing customer behaviour.
By 2016 the number of Internet capable mobile devices will reach more than 4 billion devices globally and smart phones are already used always and everywhere.
The future is always here – it’s just not evenly distributed yet. You can see this if you take a look at digital natives, the usage of phones in Africa, Google wallet and Square.
For banks it will become critical to position themselves in the world of customer experience much earlier.
The MyPrivateBanking Mobile Applications Report 2011 gives banks on average a score of 35 out of 100 points. Major critiques are “only simple basis services”, “mainly useless information”, “available only for iPhone” and “security issues”. A look at current mobile banking offerings does not disprove the report. They are mainly static, text based and lack of visual experience.
But you can think different about mobile banking. Actually you can build native apps for all platforms that are highly dynamic and provide an experience, e.g. by making use of augmented reality technology embedded in customers’ life. Banks may be able to win back the car loan business at the point of sale and embed mobile and tablet technologies in their sales processes.
Commonwealth Bank of Australia’s “Kaching” and moven are examples of what can be done.
The future of payments is uncertain, unknown and impossible to predict.
Our strategist, Tzachi Toledo shared his thoughts as a keynote speaker at Visa Europe Innovation Day in Prague. In his presentation he talked about the future of digital payments to an audience of technologists and bankers.
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
Mobile Banking - much more than an iPhone App, February 2013Frank Schwab
Summary
The number of banks in the US and in Germany halved between 1990 and 2012. Traditional banking is under pressure by at least 4 mega trends in banking: Increase of regulation, legacy technology, consolidation and changing customer behaviour.
By 2016 the number of Internet capable mobile devices will reach more than 4 billion devices globally and smart phones are already used always and everywhere.
The future is always here – it’s just not evenly distributed yet. You can see this if you take a look at digital natives, the usage of phones in Africa, Google wallet and Square.
For banks it will become critical to position themselves in the world of customer experience much earlier.
The MyPrivateBanking Mobile Applications Report 2011 gives banks on average a score of 35 out of 100 points. Major critiques are “only simple basis services”, “mainly useless information”, “available only for iPhone” and “security issues”. A look at current mobile banking offerings does not disprove the report. They are mainly static, text based and lack of visual experience.
But you can think different about mobile banking. Actually you can build native apps for all platforms that are highly dynamic and provide an experience, e.g. by making use of augmented reality technology embedded in customers’ life. Banks may be able to win back the car loan business at the point of sale and embed mobile and tablet technologies in their sales processes.
Commonwealth Bank of Australia’s “Kaching” and moven are examples of what can be done.
The future of payments is uncertain, unknown and impossible to predict.
Our strategist, Tzachi Toledo shared his thoughts as a keynote speaker at Visa Europe Innovation Day in Prague. In his presentation he talked about the future of digital payments to an audience of technologists and bankers.
The Fidor Bank Story, Frank Schwab, Fidor TecS AGFrank Schwab
Widely recognised as the one of world's most innovative banks, Fidor Bank was established in Germany in 2007. It is the world’s first online-only bank that operates only through the internet and using social media. From customer service, communications and engagement to new product development, everything happens on social media at the Fidor Bank.
Fidor currently has more than 300,000 people registered and 250,000 community members. It has €200m worth of deposits, and its lending totals about €160m. With only 34 staff, no branches and a cost of only €20.00 to set up a customer with full banking, the overheads are low compared with traditional banks.
What Can FinTechs and Traditional Banks Learn from each other?Mike Parsons
"What Can FinTechs and Traditional Banks Learn from each other?"
From platform thinking to risk management - there's plenty to learn from challenger and traditional banks. This talk presents eight ideas and learnings from a global point interview. Key topics: technical architecture, teams, culture, growth, trust, branding, risk management and customer satisfaction.
Lessons from Revolut
1. Banking as a Platform
2. Getting it Done
3. Growth Teams
4. No Middle Man
Lessons from Traditional Banks
1. Build Trust via Advice
2. Invest in Branding
3. Building Business
4. Owning the Majority
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
Such a heavily regulated industry was always going to take a little longer to disrupt but banks as we know them will soon be no longer.
Money is pouring into Financial Technology (almost $14bn investment in the past 12 months) and growth is expected to be 4x faster than the UK GDP.
Disruption is occurring at multiple levels. When coupled with rapidly changing consumer behaviors and a significant uptake in interest from VCs, the face of finance is changing daily.
With digital banking transactions now worth almost £1bn a day, the traditional banks are investing huge money into innovation and new product development.
But can they evolve fast enough to survive, let alone thrive?
This report provides an overview of the changing financial landscape, taking a closer look at a few of the digital investments made by the big brands and where the true Fintech disruption is coming from.
The payments and currency systems are on the verge of disruption. Payments are getting digitized and going mobile, wearable and biometric, while the rise of cryptocurrencies is prompting new ideas about what currency can be. Millennials, not wedded to the status quo when it comes to money, will drive this shift. This report takes a look at the myriad new ways to pay and how the concept of currency is evolving to encompass everything from bitcoin to social media shares. We also spotlight how disruption is opening the way for new players to act as middlemen between consumers and their money, along with results of a survey exploring U.S. and U.K. consumer attitudes toward payments and currency.
Note: This is an abridged version of the 62-page report. Go to JWTIntelligence.com/trendletters to download the full report at no cost.
The financial technology boom of the past few years will ultimately lead to opportunities for the banks willing to take advantage of them—either through partnership or acquisition. In November, 145 bank senior executives and board members shared their views on the fintech boom. The poll was conducted at Bank Director’s annual Bank Executive & Board Compensation Conference in Chicago. Additional respondents participated online. We’ve tabulated the results, which we share along with insights from leaders in the fintech space.
Future of payments The emerging view - 12 11 15Future Agenda
This is the emerging view of the future of payments from the Future Agenda programme. The Future of Payments is undertaken in partnership with MasterCard. This view reflects insights from UK, Hong Kong, Dubai and Johannesburg, together with insights from other topics (e.g. data, currency, privacy, trade).
Uber has become a byword for the disruption of an entire industry with every new startup calling itself the ‘Uber of ______’.
What can we in banking and financial services learn from Uber and its fellow disrupters? How as established can we learn and innovate, to deliver better experiences to our customers? And how can we embrace disruption to beat out the wave of new fintech companies?
This webinar will look at:
Breakdown the types and elements of Uber-like disruption that apply to banking and financial services.
Examples of disruption and innovation.
The imperative to deliver innovative digital experiences.
What is required to deliver digital experiences that customers want to use.
Guest speaker on this topic is Simon Mathews, Chief Strategy Officer, Extractable. Regularly sought after to speak on innovation and experience topics, Simon leads the strategy and digital experience design teams at Extractable, a leading digital experience design firm based in San Francisco.
He is responsible for driving better outcomes for his clients’ customers, through the application of cutting-edge digital design techniques and innovative strategies. Simon’s team spans digital strategists, user-experience designers, content strategists and visual designers working in an agile methodology.
He has over 20 years of consultancy experience spanning communications, advertising, and digital agencies in Europe, Asia and the US. He has worked with both major corporations and startups around the world including AIA, ACE Group, AIG, ALICO, Autodesk, BOK Financial, BMO, Dell, Emirates Airlines, IBM, Juniper, Leapfrog, LVMH., Merrill Corporation, Micron, McAfee, Motif Investing, The Newport Group, Nokia, Reebok, St. Luke’s, Seagate, Southwest Airlines, Stanford healthcare, TD Bank, Ubisoft, ZoneLabs, and WL Gore.
Simon has visited 56 countries and is an avid kiteboarder, always seeking the next windy destination.
Too often, apps launch into the app store, and eBusiness and organizations start to measure metrics like downloads to gauge success. But just launching an app and hoping it finds a captive audience will lead to disappointing results. This session will focus on how to succeed in the overcrowded app market today, including the importance of being first to market, providing a high-quality experience, and then focusing on setting meaningful key performance indicators to measure for your brand.
Slides presented by Forrester Research's senior analyst Brad Strothkamp in the Backbase webinar webinar: 'The Next Generation of Digital Finance: Banks Need To Be SUPER' held Wednesday, the 9th of November 2011.
2016 Imperative to Help You Win in the Age of the CustomerSFIMA
Empowered by technology, your customers now know more than ever about your company’s products, pricing and reputation. Competitors can more easily imitate you, or undermine the moves you make to compete.
The only way to win, serve and retain customers is to become customer-obsessed.
Join Sheryl Pattek, Vice President, Principal Analyst, Serving CMO Professionals at Forrester Research, to learn how to put customer obsession at the center of your business and marketing strategy.
In the age of the customer, consumers demand to engage in the store through mobile. For retailers this means obsessing about the digital experience in the store and developing a mobile app strategy that delivers contextual and compelling engagements that enrich the shopping experience while also provide information and transparency to shoppers. Simply developing mobile apps to drive mCommerce transactions and to push marketing offers no longer cuts it in 2015.
#retail #retailers #retailmarketing #retail sales #passbook #cartwheel, #ibeacon, #mobileoffers, #holidayretail #brand #engagement #loyalty #easypay #mobilemusts #holidayshopping #commerce #ecommerce #mcommerce #boxstores #beacons #associateclienteling #barcodescanning #instoreskin #retailmarketing #mobileapps #mobile #mobilestrategy #mobilepayments #mobile myths #investment #contests #offers #coupons #awards #redeem #research #forresterresearch #petersheldon #analyst #stats #statistics #infographic 3ios8 #android #bebe #charlotterusse, #walmart #homedepot #walgreens #customers #consumer #shopping #shopper #digitalage #digitalstrategy #gpshopper #mayamikhailov
The Fidor Bank Story, Frank Schwab, Fidor TecS AGFrank Schwab
Widely recognised as the one of world's most innovative banks, Fidor Bank was established in Germany in 2007. It is the world’s first online-only bank that operates only through the internet and using social media. From customer service, communications and engagement to new product development, everything happens on social media at the Fidor Bank.
Fidor currently has more than 300,000 people registered and 250,000 community members. It has €200m worth of deposits, and its lending totals about €160m. With only 34 staff, no branches and a cost of only €20.00 to set up a customer with full banking, the overheads are low compared with traditional banks.
What Can FinTechs and Traditional Banks Learn from each other?Mike Parsons
"What Can FinTechs and Traditional Banks Learn from each other?"
From platform thinking to risk management - there's plenty to learn from challenger and traditional banks. This talk presents eight ideas and learnings from a global point interview. Key topics: technical architecture, teams, culture, growth, trust, branding, risk management and customer satisfaction.
Lessons from Revolut
1. Banking as a Platform
2. Getting it Done
3. Growth Teams
4. No Middle Man
Lessons from Traditional Banks
1. Build Trust via Advice
2. Invest in Branding
3. Building Business
4. Owning the Majority
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
Such a heavily regulated industry was always going to take a little longer to disrupt but banks as we know them will soon be no longer.
Money is pouring into Financial Technology (almost $14bn investment in the past 12 months) and growth is expected to be 4x faster than the UK GDP.
Disruption is occurring at multiple levels. When coupled with rapidly changing consumer behaviors and a significant uptake in interest from VCs, the face of finance is changing daily.
With digital banking transactions now worth almost £1bn a day, the traditional banks are investing huge money into innovation and new product development.
But can they evolve fast enough to survive, let alone thrive?
This report provides an overview of the changing financial landscape, taking a closer look at a few of the digital investments made by the big brands and where the true Fintech disruption is coming from.
The payments and currency systems are on the verge of disruption. Payments are getting digitized and going mobile, wearable and biometric, while the rise of cryptocurrencies is prompting new ideas about what currency can be. Millennials, not wedded to the status quo when it comes to money, will drive this shift. This report takes a look at the myriad new ways to pay and how the concept of currency is evolving to encompass everything from bitcoin to social media shares. We also spotlight how disruption is opening the way for new players to act as middlemen between consumers and their money, along with results of a survey exploring U.S. and U.K. consumer attitudes toward payments and currency.
Note: This is an abridged version of the 62-page report. Go to JWTIntelligence.com/trendletters to download the full report at no cost.
The financial technology boom of the past few years will ultimately lead to opportunities for the banks willing to take advantage of them—either through partnership or acquisition. In November, 145 bank senior executives and board members shared their views on the fintech boom. The poll was conducted at Bank Director’s annual Bank Executive & Board Compensation Conference in Chicago. Additional respondents participated online. We’ve tabulated the results, which we share along with insights from leaders in the fintech space.
Future of payments The emerging view - 12 11 15Future Agenda
This is the emerging view of the future of payments from the Future Agenda programme. The Future of Payments is undertaken in partnership with MasterCard. This view reflects insights from UK, Hong Kong, Dubai and Johannesburg, together with insights from other topics (e.g. data, currency, privacy, trade).
Uber has become a byword for the disruption of an entire industry with every new startup calling itself the ‘Uber of ______’.
What can we in banking and financial services learn from Uber and its fellow disrupters? How as established can we learn and innovate, to deliver better experiences to our customers? And how can we embrace disruption to beat out the wave of new fintech companies?
This webinar will look at:
Breakdown the types and elements of Uber-like disruption that apply to banking and financial services.
Examples of disruption and innovation.
The imperative to deliver innovative digital experiences.
What is required to deliver digital experiences that customers want to use.
Guest speaker on this topic is Simon Mathews, Chief Strategy Officer, Extractable. Regularly sought after to speak on innovation and experience topics, Simon leads the strategy and digital experience design teams at Extractable, a leading digital experience design firm based in San Francisco.
He is responsible for driving better outcomes for his clients’ customers, through the application of cutting-edge digital design techniques and innovative strategies. Simon’s team spans digital strategists, user-experience designers, content strategists and visual designers working in an agile methodology.
He has over 20 years of consultancy experience spanning communications, advertising, and digital agencies in Europe, Asia and the US. He has worked with both major corporations and startups around the world including AIA, ACE Group, AIG, ALICO, Autodesk, BOK Financial, BMO, Dell, Emirates Airlines, IBM, Juniper, Leapfrog, LVMH., Merrill Corporation, Micron, McAfee, Motif Investing, The Newport Group, Nokia, Reebok, St. Luke’s, Seagate, Southwest Airlines, Stanford healthcare, TD Bank, Ubisoft, ZoneLabs, and WL Gore.
Simon has visited 56 countries and is an avid kiteboarder, always seeking the next windy destination.
Too often, apps launch into the app store, and eBusiness and organizations start to measure metrics like downloads to gauge success. But just launching an app and hoping it finds a captive audience will lead to disappointing results. This session will focus on how to succeed in the overcrowded app market today, including the importance of being first to market, providing a high-quality experience, and then focusing on setting meaningful key performance indicators to measure for your brand.
Slides presented by Forrester Research's senior analyst Brad Strothkamp in the Backbase webinar webinar: 'The Next Generation of Digital Finance: Banks Need To Be SUPER' held Wednesday, the 9th of November 2011.
2016 Imperative to Help You Win in the Age of the CustomerSFIMA
Empowered by technology, your customers now know more than ever about your company’s products, pricing and reputation. Competitors can more easily imitate you, or undermine the moves you make to compete.
The only way to win, serve and retain customers is to become customer-obsessed.
Join Sheryl Pattek, Vice President, Principal Analyst, Serving CMO Professionals at Forrester Research, to learn how to put customer obsession at the center of your business and marketing strategy.
In the age of the customer, consumers demand to engage in the store through mobile. For retailers this means obsessing about the digital experience in the store and developing a mobile app strategy that delivers contextual and compelling engagements that enrich the shopping experience while also provide information and transparency to shoppers. Simply developing mobile apps to drive mCommerce transactions and to push marketing offers no longer cuts it in 2015.
#retail #retailers #retailmarketing #retail sales #passbook #cartwheel, #ibeacon, #mobileoffers, #holidayretail #brand #engagement #loyalty #easypay #mobilemusts #holidayshopping #commerce #ecommerce #mcommerce #boxstores #beacons #associateclienteling #barcodescanning #instoreskin #retailmarketing #mobileapps #mobile #mobilestrategy #mobilepayments #mobile myths #investment #contests #offers #coupons #awards #redeem #research #forresterresearch #petersheldon #analyst #stats #statistics #infographic 3ios8 #android #bebe #charlotterusse, #walmart #homedepot #walgreens #customers #consumer #shopping #shopper #digitalage #digitalstrategy #gpshopper #mayamikhailov
Transform @ Scale: How Old Economy Gets Ready for New Economy - Keynote by Karel Dörner, Partner of McKinsey & Company at the NOAH 2015 Conference in Berlin, Tempodrom on the 10th of June 2015.
Prediction 2016 with Forrester Research: APIs take center stage for banking I...Apigee | Google Cloud
Forrester predicts that significant digital shifts are coming to financial services in 2016, one of which is the increased focus on APIs. With the spread of apps and handheld devices, consumers increasingly expect to have services at their fingertips, in real time.
Mobile Wallets Will Become Marketing Platforms: Featuring The Men's Wearhouse...Vibes_Thought_Leadership
What to expect:
The Men’s Wearhouse shares how they are delivering 10X in-store redemptions by activating emails with Apple’s Passbook & Google Wallet.
Forrester Research, Inc. shares key highlights from its mobile wallet report – which states that 41% of marketers plan to use digital mobile wallets within the next year.
Vibes shares mobile wallet best practices and case studies.
Featured Speakers:
Vibes is excited to feature three marketing and thought leaders who are at the forefront of the mobile wallet opportunity.
Matt Stringer, EVP of Marketing for The Men’s Wearhouse
Thomas Husson, Vice President & Principal Analyst, Forrester Research, Inc.
Jack Philbin, Co-Founder & CEO, Vibes
Measuring Customer-Centric Mobile Banking & BeyondDynatrace
This webinar with Forrester Research will help you gain valuable insights into the complexity of mobile banking and how mobile can give you a competitive step up. Mobile creates new business opportunities, and customer focused banks will have the edge. To do this you’ll need to have a unified view of the user behavior and delivered user experience across Web, mobile Web and mobile apps.
In this webinar you’ll learn how the right metrics and technology can help you:
• Discover the 5 categories of metrics that are critical for mobile banking and how to align them with business goals.
• Learn about the value of measuring and optimizing customer experiences on mobile banking strategies.
• Get a 5-Step process for assessing the effectiveness of your mobile banking metrics.
• Identify opportunities for improvements, new services, new business targets and models.
Retailers should note and adjust to five trends shaping the consumer experience: A 2nd big bang is taking shape and concerning personal and domestic equipment products; Smart phones are taking over the shopping experience; consumers "channel-surf" with increasing ease; Social is becoming a critical part of the buying journey; Big Data excellence is a critical capability for growth.
Creating a great customer experience requires good data, content, and engagement programs across the entire decision journey. Getting it wrong can mean losing customers or seeing negative buzz erode sales. Big data and digital can play critical roles in bolstering operating margins. Leaders in big data across markets have generally outperformed their peers, sometimes by as much as 20% - 30%.
Digital has profoundly changed how B2B businesses need to interact with their customers. B2B customers are already embracing digital to make more informed purchase and post-purchase decisions. B2B companies need to understand how to use digital to be where (and when) their customers are. Latest McKinsey insights on B2B: http://mckinseyonmarketingandsales.com/topics/b-to-b
CRM and loyalty marketers at all major retailers know that today’s mobile consumers are evolving rapidly, and have heightened expectations for their favorite retailers. What they may not know is that new mobile technologies, such as Google Wallet and Apple’s Passbook, are transforming retailer’s ability do deliver value to their most loyal customers. When used in tandem with loyalty programs, these innovative mobile wallets can amplify loyalty programs by making them more relevant, contextual, timely and useable.
Featuring: Emily Collins, analyst at Forrester Inc., and Julie Novack, Senior Vice President of Mobile Solutions at Vibes.
The digital revolution has shaken the publishing industry. Six trends, however, highlight new opportunities as well. The explosion in devices, apps, social media, product research online, data over mobile usage on devices, and video consumption online are radical changes with big implications for the media industry.
Driving into the Future of Fintech with UX Leadership - UXSEA Summit 2019Kuldeep Kulshreshtha
This is the presentation deck from UX Conference session by Stevanus Christopel of OVO as a part of UXSEA Summit 2019 in Singapore. UXSEA Summit 2019 was held from 18th to 20th November, 2019. For more information about UXSEA Society, visit https://uxsea.org/
The copyright of this material is with those who created this presentation material. Please take permissions from the authors if you are in doubt about copyright infringement.
For those who are asking where the banking industry is headed, how a GAFA Bank will look like, what banks can do to bridge the existing digital gap, and even leverage the disruption - here is a short summary.
FinTech's innovation in the financial sector means financial technologies that are linked to the spirit of an era. FinTech's aspirations have a mainstream line that can be found on any continent, such as services related to basic banking processes, such as one touch or mobile purchases. At the same time, there are services that are only linked to continents, such as African SMS payment or the Asian micro payment system. In this study, we want to present Asian fintech efforts, such as Taobao, Tmall, Jingdong or Yu'e Bao, with no transaction costs, zero entry barriers, and broad support. The main issue with continental fintech processes is that there is only a demographic reason for different services or more?! It is also a question of building a fintech service from top to bottom (Alibaba) in Asia, or can it be built from bottom to top (Yu’e Bao)?
This presentation talks about the basic meaning of fintech and its importance. We also talk about the different verticals in the fintech and the investment trends in fintech world.
Insights Success has come up with a distinctive issue “The 10 Most Influential Voices in Banking” which recognizes the incalculable contribution of banking enthusiasts who has revolutionized banking processes with their inventive excellence.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Mobile Wars: Fintech vs. Banks... and Big Tech in AmbushKatia Bazzocchi
Pure mobile banks gain users daily, as they benefit from accessible smartphone technology. Millenials are the principal users of mobile banks, and will soon be followed by Generation Z. As consumer expectations continue to be shaped by new technology and innovative consumer affairs, a full mobile strategy is key for traditional banks to maintain market share.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
In 2016, Tieto conducted the Foresight 2020 study to understand the cross-industry business opportunities projected to shape the future of business into the year 2020.
In 2016 and 2017, Tieto conducted the Future Perspectives study to deepen the insights of Foresight 2020 in particular. The Future Perspectives study provides expert thoughts and expectations about how technology-driven opportunities will unfold in the coming half-decade — specifically, how business models and value chains will be affected and what kinds of business possibilities will arise now and in the future.
Tieto’s Future Perspectives study was conducted via interviews and a questionnaire survey of 500 executives from a wide variety of industries in three Nordic countries. Data was collected and analysed by the research company Kairos Future.
http://www.tieto.com/future-perspectives
You know what you have today, but you definitely do NOT know what will be available the day after tomorrow. So, do not let technology drive how you build your cloud environment. Go to the business and listen to their needs.
More: www.tieto.com/onecloud
Foresight 2020 study has been made by utilizing the methodology of future studies complemented with over 100 interviews covering the spectrum of our customers’ industries. See here the industry trends and scenarios.
Presentation from Embedded Linux Conference 2015 in Dublin, where Tieto presented a concept of an Intelligent Home IoT Gateway, the session received a very good feedback. Authors: Andrzej Wieczorek and Bartosz Markowski
www.tieto.com
Tieto Retail Experience - How will the retail remain relevant for all of us?Tieto Corporation
Mikko Leinonen, Head of Customer Experience Management unit at Tieto, answers to this question at the IndustryForum Retail & FMCG event 19th May 2015. See some of his thoughts about the topic in this presentation.
Uusi EU henkilötietosuoja-asetus tullee voimaan 2016 alkupuolella ja velvoittaa kaikkia organisaatioita, joissa ylläpidetään henkilötietoa sisältäviä rekistereitä. Varautuminen ajoissa kannattaa.
www.tieto.fi/euhenkilotieto
Customer Experience is one, or even the only source of
sustainable competitive advantage going forward.
We at Tieto We believe in creating a more customer-centric world, where there is seamless and mutually
rewarding interaction between our clients and
their customers.
Cloud in a nutshell: The business environment is constantly changing. Flexibility and foresight is needed to drive continuous innovation, efficiency and agility. This presentation simplifies cloud and its alignment to your business strategy.
Webinarie 24 November - Mer tid för lärandet. Ett samtal mellan Tieto, Kairos Future och DiU.
Ladda ner presentationen på http://www.tieto.se/it-i-skolan
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
PHP Frameworks: I want to break free (IPC Berlin 2024)Ralf Eggert
In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
FIDO Alliance Osaka Seminar: Passkeys and the Road Ahead.pdf
The natural payment monopoly for banks is over
1. The natural payment monopoly for banks is over MobeyForum; 17 June 2010 ietoCorporation
2. Our biggest business area: Telecom R&D Our 2nd biggest business area: Financial Services Experts in Digital Business Transformations
3. I work between 9-5 with digital services for my customers customers (Digital Customership) @johalof OpenID The Long Tail Sailing & Skiing Gary Hamel & John Hagel India Perpetual Beta Transitive t rust Transparent Government Archipelago Creative Destruction Facebook Innovation Workshops Digital Natives Near Field Communication Digital Customership iPad Amazon.com & Kindle Next Step in Banking Social Media Multichannel Enterprise 2.0 Deregulation “ Food Elevators”
16. Customers want [demand] great services [experiences] …something new players in the ecosystem actively are pushing (Paypal, Mint, Wesabe, Kwedit, Balancion , Nokia Money et al.)
17. Here is my key message today: The future of financial services and payments will definitely be bank enabled , but not necessarily bank driven . Banks need to allow for innovative external services, support the good ones and copy the best.
18. A lot of the challenge around payments is front office simplicity… SquareUp.com Sales volume following eBay purchase and integration of PayPal (UK volumes) iTunes.com
19. Going Forward: “Social media and networking drives changes in financial services” Tieto Whitepaper, 2008 Kiva.com
20. Lars; my personal banker. ” The main reason we have a bank is to get rid of the transaction costs for card payments.” Jörgen Wennberg CEO, Ica Banken But the core must be performed excellent
23. A realization: I rarely do my financial decisions at 7 pm on the 25th when I'm sitting in my sofa at home paying the bills. Banks need to get closer to my every day situations Mobiles are always close to the decision… …and soon transaction!
24. Forrester 2010; The State Of Mobile Banking In Europe: 2010 Currently app fever… … but, less than 1% of Europeans with a mobile phone use downloadable mobile applications to access their accounts
25. 85%: “ No, I have never used mobile banking” Reason #1: I see no value Forrester 2010; The State Of Mobile Banking In Europe: 2010
26. What is certain: we have not found the dominant design for mobile banking. It’s for the most part marketing, not strategic business development pushing mobile services. There is not any silver bullet business case(s) - YET
27. As the mobile device becomes ”just another touchpoint”, a bank’s lack of a strategic approach to mobile retail banking will seriously damage its competitiveness in the long term” Gartner 2010 June; Time to Migrate Toward Mobile Financial Services. #G00200787. ”
28.
Editor's Notes
REAL SELF SERVICE DIGITAL INFUSING PHYSICAL WORLD (THROUGH MOBILES)
Competition will no longer be on cost per transaction!!