Trendwatching.com is a leading global consumer trends firm that provides insights and examples of innovations to over 160,000 business professionals in more than 180 countries. This document highlights dozens of recent innovations in various categories like mobile apps for emotional wellbeing, cashless payment technologies using smartphones, and mobile banking services in developing countries where traditional banking infrastructure is limited. The innovations show how companies are delivering new experiences and services to meet changing consumer needs and behaviors.
The document discusses the evolution of retail and e-commerce. Key points:
1. E-commerce is growing rapidly around the world, with online sales projected to significantly increase in major markets like the US, Europe, China, and India by 2016.
2. For many consumers, the lines between online and offline shopping are blurring, as they can shop anytime, anywhere via computers, smartphones, tablets, and other connected devices. Major online brands are also opening physical stores.
3. Personalization is a growing trend, as consumers curate collections, share recommendations, and earn rewards for their contributions to e-commerce sites and social networks. Brands are encouraging this "metail" by letting influential
This is part of Mindshare's ongoing Future Of... research programme which explores the development of the media and technological landscape, and assesses the likely impact on advertisers and media businesses.
The document provides information about the Cards and Payments Asia 2015 conference to be held from April 22-23 in Singapore. It includes details on the keynote speakers, panel discussions, sessions, and exhibitors covering topics related to payments innovation and disruption, digital currencies, mobile wallets, ecommerce, retail, and banking. Over 2,000 attendees are expected across the multi-day event featuring panels, presentations, and a large exhibition.
Mobile marketing is an effective way for local businesses to promote themselves through consumers' mobile devices. It involves using text messaging, mobile websites, and QR codes to engage customers and drive sales. The key benefits are permission-based targeted promotions, low cost compared to traditional advertising, and high response rates since people access their mobile devices frequently and have them with them at all times. Local businesses should create a mobile-friendly website, use SMS text campaigns to promote offers and deals, and incorporate QR codes on print materials and in-store to provide an engaging mobile experience for customers.
The document provides information about the Retail World Asia 2015 conference, which will take place April 22-23 in Singapore. It will include over 300 speakers in 12 sessions discussing topics related to retail innovation, customer experience, payments, ecommerce, and the future of the store. Notable keynote speakers include Robert Scoble on contextual technology, Anthony Thomson on banking innovation, and Mike Brown on Uber's disruption of the taxi industry. The conference will also include exhibitors and roundtable discussions on related topics. Attendees can gain insights on trends in Asian retail, building an omni-channel strategy, and engaging customers.
This document summarizes an analyst's presentation on emerging players in the mobile commerce market. It discusses how mobile payments are expanding beyond mobile banking into a wider context, with over 150 startups and new entrants making payments part of their services ecosystems. Examples mentioned include PayPal reaching $3 billion in mobile payments volume, Apple's iTunes generating $1.4 billion in revenue, and M-Pesa contributing 13% of Safaricom's revenues. The presentation also analyzes different business models for mobile payments, emerging players' charging and billing methods, and how mobile advertising is building the ecosystem to support payments.
The document discusses expectations for holiday spending in 2010. It reports that a survey found over 42% of consumers plan to spend significantly less during the holidays compared to last year. However, Deloitte forecasts only a modest 2% increase in total spending. While consumer debt and unemployment remain problems, a small rise in online and non-store sales is expected. Overall, retailers should prepare for a still challenging season with tight budgets and a growing emphasis on e-commerce.
Consumer Expectations and the Great TransitionVivastream
This document summarizes research from First Data Corporation on consumer expectations in payments. Key findings include:
1) Consumers want seamless online and offline experiences when shopping and managing finances.
2) Beyond transactions, consumers want personalized experiences through loyalty programs, tailored offers, and brands that understand their needs.
3) Consumers actively manage their money and expect real-time access and control over finances on their mobile devices.
4) Mobile devices are increasingly central to how consumers shop and bank, with rising expectations of convenience.
The document discusses the evolution of retail and e-commerce. Key points:
1. E-commerce is growing rapidly around the world, with online sales projected to significantly increase in major markets like the US, Europe, China, and India by 2016.
2. For many consumers, the lines between online and offline shopping are blurring, as they can shop anytime, anywhere via computers, smartphones, tablets, and other connected devices. Major online brands are also opening physical stores.
3. Personalization is a growing trend, as consumers curate collections, share recommendations, and earn rewards for their contributions to e-commerce sites and social networks. Brands are encouraging this "metail" by letting influential
This is part of Mindshare's ongoing Future Of... research programme which explores the development of the media and technological landscape, and assesses the likely impact on advertisers and media businesses.
The document provides information about the Cards and Payments Asia 2015 conference to be held from April 22-23 in Singapore. It includes details on the keynote speakers, panel discussions, sessions, and exhibitors covering topics related to payments innovation and disruption, digital currencies, mobile wallets, ecommerce, retail, and banking. Over 2,000 attendees are expected across the multi-day event featuring panels, presentations, and a large exhibition.
Mobile marketing is an effective way for local businesses to promote themselves through consumers' mobile devices. It involves using text messaging, mobile websites, and QR codes to engage customers and drive sales. The key benefits are permission-based targeted promotions, low cost compared to traditional advertising, and high response rates since people access their mobile devices frequently and have them with them at all times. Local businesses should create a mobile-friendly website, use SMS text campaigns to promote offers and deals, and incorporate QR codes on print materials and in-store to provide an engaging mobile experience for customers.
The document provides information about the Retail World Asia 2015 conference, which will take place April 22-23 in Singapore. It will include over 300 speakers in 12 sessions discussing topics related to retail innovation, customer experience, payments, ecommerce, and the future of the store. Notable keynote speakers include Robert Scoble on contextual technology, Anthony Thomson on banking innovation, and Mike Brown on Uber's disruption of the taxi industry. The conference will also include exhibitors and roundtable discussions on related topics. Attendees can gain insights on trends in Asian retail, building an omni-channel strategy, and engaging customers.
This document summarizes an analyst's presentation on emerging players in the mobile commerce market. It discusses how mobile payments are expanding beyond mobile banking into a wider context, with over 150 startups and new entrants making payments part of their services ecosystems. Examples mentioned include PayPal reaching $3 billion in mobile payments volume, Apple's iTunes generating $1.4 billion in revenue, and M-Pesa contributing 13% of Safaricom's revenues. The presentation also analyzes different business models for mobile payments, emerging players' charging and billing methods, and how mobile advertising is building the ecosystem to support payments.
The document discusses expectations for holiday spending in 2010. It reports that a survey found over 42% of consumers plan to spend significantly less during the holidays compared to last year. However, Deloitte forecasts only a modest 2% increase in total spending. While consumer debt and unemployment remain problems, a small rise in online and non-store sales is expected. Overall, retailers should prepare for a still challenging season with tight budgets and a growing emphasis on e-commerce.
Consumer Expectations and the Great TransitionVivastream
This document summarizes research from First Data Corporation on consumer expectations in payments. Key findings include:
1) Consumers want seamless online and offline experiences when shopping and managing finances.
2) Beyond transactions, consumers want personalized experiences through loyalty programs, tailored offers, and brands that understand their needs.
3) Consumers actively manage their money and expect real-time access and control over finances on their mobile devices.
4) Mobile devices are increasingly central to how consumers shop and bank, with rising expectations of convenience.
Bridging the divide between legacy and mobile paymentsDistraslides
The document discusses how the payments world is being disrupted by new technologies and non-traditional players. It is dividing the "old payments world" of traditional banks and processors from the "new payments world" of mobile, social media, and real-time payments. Legacy payment systems are struggling to keep up with these advances. Distra helps bridge this divide by enabling legacy systems to connect to new channels through its Universal Payments Platform, allowing for innovation while maintaining security, reliability and performance without replacing existing infrastructure.
The document discusses the divide between traditional payment providers like banks and newer players like Google and PayPal in the mobile payments world. It identifies key drivers of change like faster payments, regulations, technology advances, and evolving customer expectations. The mobile payments opportunity is large with billions of phones globally and transaction values projected to grow substantially. Mobile is changing how payments are delivered from P2P transfers to mobile wallets to offers and loyalty programs. Successful mobile payment solutions require collaboration across different players and provide both flexibility and security in processing transactions.
Asha Srikantiah's resume highlights three projects she worked on in the past year while pursuing her MBA at the Rotman School of Management. The first project involved envisioning the future of banking for an RBC innovation contest. The second was a strategic growth consultation for a family furniture business. The third was writing a case study about a Canadian bank for a new course. For each project, Asha applied learning, dreaming, and doing to make an impact.
How are mobile devices changing face of payments?Pragati Rai
Mobile devices are changing payments by enabling new forms of contactless and digital payments. Current mobile payment options include barcodes, NFC, carrier billing and mobile wallets. Emerging trends include the growth of location-based mobile payments and digital goods purchases. Security remains a key challenge as the mobile payments ecosystem expands globally with increased collaboration among stakeholders and improved device and payment security standards.
The document discusses several trends in mobile technology and social media:
1. Smartphone ownership is growing dramatically, with 35% of UK adults now owning a smartphone. 4G wireless internet is being trialed and will improve the mobile web experience.
2. People are connecting through social networks in more meaningful ways, by grouping contacts into categories like close friends and acquaintances.
3. Social commerce is emerging as people use social networks to find deals and group purchases. Brands are engaging fans through social-first initiatives.
4. Gamification techniques are being used to motivate engagement by making marketing strategies more fun and addictive.
Video available via this link: https://www.facebook.com/photo.php?v=10200377851621524
Case Study in Social Media presented by:
Nadim Khater, CCO, touch Lebanon
Omar Abou Ezzedine, Deputy General Manager, Cleartag
at ArabNet Beirut 2013, March 20-22
Beirut, Lebanon
This document discusses how the Internet of Things (IoT) can help businesses build stronger relationships with customers by providing insights into customers' behaviors and interests through connected devices. It notes that IoT allows the collection of previously unobtainable data from sensors and uses this data to better understand customers in real-time. The document provides examples of how IoT could enable personalized and timely marketing messages tailored to what customers are doing. It argues that IoT offers unprecedented opportunities for businesses to deliver the right message to the right customer at the right time.
The document discusses trends in mobile shopping among millennials in the US. It notes that millennials now seek information from many online sources and reviews rather than just experts, and do not remain loyal to single brick-and-mortar stores. Key trends discussed include showrooming, where millennials try products in stores but purchase online, crowdsourcing of information and reviews, and the increasing use of mobile apps and devices to research purchases. The document also examines opportunities for companies like Visa to integrate more mobile payment solutions and better meet the preferences of millennials.
There’s a major transformation happening between people and their relationships to their money, a transformation enabled by the arrival of mobile payments (mPayments). The magnitude of this change—and the disruption—will greatly impact consumers, banks, retailers, merchants and wireless carriers, among others, and will be felt across the globe.
Mobile retailing - if you don't do it, someone else willRik Veldhuizen
The document discusses how mobile technology is influencing the retail industry. It finds that retail is the industry most impacted by digital disruption. Mobile devices allow customers to check prices and reviews in-store, influencing their purchasing decisions. The constant connectivity of consumers means retailers must meet customer expectations across online and in-store shopping. To adapt, retailers should provide customers with product information on their preferred mobile channels and gain insights into customer shopping behaviors through mobile analytics. The challenges of an omnichannel customer experience require retailers to rethink their physical stores, pricing, and staff training to remain competitive in the new mobile era.
How to win the competition through actionable insight? This presentation was created for guest lecturer at Bina Nusantara International College, Marketing Faculty. Please enjoy and let me know if you have any feedback. Thanks.
Political, economic, social, and technological changes are creating an uncertain landscape for brands. To succeed, brands must (1) provide trusted tools and services that empower customers, (2) engage customers through social networks and mobile platforms, and (3) demonstrate that they care about environmental and social issues.
Next Level in Online Banking:Users to the CORE OF THINKINGTommi Pelkonen
The document provides an overview of trends in online banking and opportunities for innovation from a user-centered perspective. It discusses:
1) The evolution of online banking from basic transactional services to a focus on understanding user needs and designing services accordingly.
2) Trends seen both within traditional banking as well as from new entrants, such as simplicity/budget banking and personal finance management tools.
3) The importance of designing services from a "users first" angle by understanding who they are, what they want and need, and how to help them succeed financially through intuitive, easy to use services.
Connect & Serve on Mobile (at Barcelona iGaming) - by WebComrades, Tom ClaesPanenka76
WebComrades was invited as a keynote speaker at the Barcelona Affiliate Conference to share insights on mobile and advertising. In a world where banner ads lead the way on the way, this presentation had to wake-up entrepreneurs to not go the display banner way on the mobile device, but to think more in terms of serving the mobile user.
Presentation on Oct 12, 2012.
by Tom Claes, WebComrades
The song lyrics describe a woman who is addicted to nicotine patches and afraid of the dark. She doubts her own abilities and whether there is a woman inside of her. The lyrics also reference fate turning around in overtime and ballerinas with fins that can never be found. It suggests the person says they don't want something but don't really mean it.
The document thanks the reader for their attention but does not provide any other details. It is a very short text that simply expresses gratitude without conveying any essential information in 3 sentences or less.
This document provides a quick guide for installing Acer Client Manager (ACM) on Windows Server 2003 SP2 x86. It introduces ACM and its features for deployment, inventory, software delivery, application management, application metering, and patch management. It outlines the system requirements for the ACM server, web console, and agents. It then provides step-by-step instructions for installing Microsoft SQL Server 2000 Desktop Engine and the ACM server software. Frequently asked questions direct the user to an online knowledge base for additional support.
The document summarizes interviews conducted with leading search industry experts to get their perspectives on what search engine results pages may look like in 2010. It also describes an eye tracking study conducted to analyze how users might interact with different potential future SERP designs, including personalized results, multi-pane layouts, and a hypothesized 2010 SERP design. Key themes from the interviews included predictions of more personalized search influenced by user intent and history, integration of different result types beyond text links, and richer interactive experiences. The eye tracking provided insights into how different designs might impact user scanning patterns and engagement.
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Insiders guide to leveraging your online reputationWSI Egypt
It’s essential that every business evaluate their online reputation.
Our main focus in this whitepaper is the fact that people are online talking about your business and what you need to do to face it head on. Through this resource kit, you’ll have the worksheets, forms and tested techniques that WSI Consultants use with clients to determine how you can best manage your online brand or personal reputation.
Special thanks to our partners at ReachLocal for their collaboration and cooperation in the production of this resource kit.
Bridging the divide between legacy and mobile paymentsDistraslides
The document discusses how the payments world is being disrupted by new technologies and non-traditional players. It is dividing the "old payments world" of traditional banks and processors from the "new payments world" of mobile, social media, and real-time payments. Legacy payment systems are struggling to keep up with these advances. Distra helps bridge this divide by enabling legacy systems to connect to new channels through its Universal Payments Platform, allowing for innovation while maintaining security, reliability and performance without replacing existing infrastructure.
The document discusses the divide between traditional payment providers like banks and newer players like Google and PayPal in the mobile payments world. It identifies key drivers of change like faster payments, regulations, technology advances, and evolving customer expectations. The mobile payments opportunity is large with billions of phones globally and transaction values projected to grow substantially. Mobile is changing how payments are delivered from P2P transfers to mobile wallets to offers and loyalty programs. Successful mobile payment solutions require collaboration across different players and provide both flexibility and security in processing transactions.
Asha Srikantiah's resume highlights three projects she worked on in the past year while pursuing her MBA at the Rotman School of Management. The first project involved envisioning the future of banking for an RBC innovation contest. The second was a strategic growth consultation for a family furniture business. The third was writing a case study about a Canadian bank for a new course. For each project, Asha applied learning, dreaming, and doing to make an impact.
How are mobile devices changing face of payments?Pragati Rai
Mobile devices are changing payments by enabling new forms of contactless and digital payments. Current mobile payment options include barcodes, NFC, carrier billing and mobile wallets. Emerging trends include the growth of location-based mobile payments and digital goods purchases. Security remains a key challenge as the mobile payments ecosystem expands globally with increased collaboration among stakeholders and improved device and payment security standards.
The document discusses several trends in mobile technology and social media:
1. Smartphone ownership is growing dramatically, with 35% of UK adults now owning a smartphone. 4G wireless internet is being trialed and will improve the mobile web experience.
2. People are connecting through social networks in more meaningful ways, by grouping contacts into categories like close friends and acquaintances.
3. Social commerce is emerging as people use social networks to find deals and group purchases. Brands are engaging fans through social-first initiatives.
4. Gamification techniques are being used to motivate engagement by making marketing strategies more fun and addictive.
Video available via this link: https://www.facebook.com/photo.php?v=10200377851621524
Case Study in Social Media presented by:
Nadim Khater, CCO, touch Lebanon
Omar Abou Ezzedine, Deputy General Manager, Cleartag
at ArabNet Beirut 2013, March 20-22
Beirut, Lebanon
This document discusses how the Internet of Things (IoT) can help businesses build stronger relationships with customers by providing insights into customers' behaviors and interests through connected devices. It notes that IoT allows the collection of previously unobtainable data from sensors and uses this data to better understand customers in real-time. The document provides examples of how IoT could enable personalized and timely marketing messages tailored to what customers are doing. It argues that IoT offers unprecedented opportunities for businesses to deliver the right message to the right customer at the right time.
The document discusses trends in mobile shopping among millennials in the US. It notes that millennials now seek information from many online sources and reviews rather than just experts, and do not remain loyal to single brick-and-mortar stores. Key trends discussed include showrooming, where millennials try products in stores but purchase online, crowdsourcing of information and reviews, and the increasing use of mobile apps and devices to research purchases. The document also examines opportunities for companies like Visa to integrate more mobile payment solutions and better meet the preferences of millennials.
There’s a major transformation happening between people and their relationships to their money, a transformation enabled by the arrival of mobile payments (mPayments). The magnitude of this change—and the disruption—will greatly impact consumers, banks, retailers, merchants and wireless carriers, among others, and will be felt across the globe.
Mobile retailing - if you don't do it, someone else willRik Veldhuizen
The document discusses how mobile technology is influencing the retail industry. It finds that retail is the industry most impacted by digital disruption. Mobile devices allow customers to check prices and reviews in-store, influencing their purchasing decisions. The constant connectivity of consumers means retailers must meet customer expectations across online and in-store shopping. To adapt, retailers should provide customers with product information on their preferred mobile channels and gain insights into customer shopping behaviors through mobile analytics. The challenges of an omnichannel customer experience require retailers to rethink their physical stores, pricing, and staff training to remain competitive in the new mobile era.
How to win the competition through actionable insight? This presentation was created for guest lecturer at Bina Nusantara International College, Marketing Faculty. Please enjoy and let me know if you have any feedback. Thanks.
Political, economic, social, and technological changes are creating an uncertain landscape for brands. To succeed, brands must (1) provide trusted tools and services that empower customers, (2) engage customers through social networks and mobile platforms, and (3) demonstrate that they care about environmental and social issues.
Next Level in Online Banking:Users to the CORE OF THINKINGTommi Pelkonen
The document provides an overview of trends in online banking and opportunities for innovation from a user-centered perspective. It discusses:
1) The evolution of online banking from basic transactional services to a focus on understanding user needs and designing services accordingly.
2) Trends seen both within traditional banking as well as from new entrants, such as simplicity/budget banking and personal finance management tools.
3) The importance of designing services from a "users first" angle by understanding who they are, what they want and need, and how to help them succeed financially through intuitive, easy to use services.
Connect & Serve on Mobile (at Barcelona iGaming) - by WebComrades, Tom ClaesPanenka76
WebComrades was invited as a keynote speaker at the Barcelona Affiliate Conference to share insights on mobile and advertising. In a world where banner ads lead the way on the way, this presentation had to wake-up entrepreneurs to not go the display banner way on the mobile device, but to think more in terms of serving the mobile user.
Presentation on Oct 12, 2012.
by Tom Claes, WebComrades
The song lyrics describe a woman who is addicted to nicotine patches and afraid of the dark. She doubts her own abilities and whether there is a woman inside of her. The lyrics also reference fate turning around in overtime and ballerinas with fins that can never be found. It suggests the person says they don't want something but don't really mean it.
The document thanks the reader for their attention but does not provide any other details. It is a very short text that simply expresses gratitude without conveying any essential information in 3 sentences or less.
This document provides a quick guide for installing Acer Client Manager (ACM) on Windows Server 2003 SP2 x86. It introduces ACM and its features for deployment, inventory, software delivery, application management, application metering, and patch management. It outlines the system requirements for the ACM server, web console, and agents. It then provides step-by-step instructions for installing Microsoft SQL Server 2000 Desktop Engine and the ACM server software. Frequently asked questions direct the user to an online knowledge base for additional support.
The document summarizes interviews conducted with leading search industry experts to get their perspectives on what search engine results pages may look like in 2010. It also describes an eye tracking study conducted to analyze how users might interact with different potential future SERP designs, including personalized results, multi-pane layouts, and a hypothesized 2010 SERP design. Key themes from the interviews included predictions of more personalized search influenced by user intent and history, integration of different result types beyond text links, and richer interactive experiences. The eye tracking provided insights into how different designs might impact user scanning patterns and engagement.
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franchise license egypt,franchise licenses egypt,franchise opportunities egypt,franchise opportunity egypt,franchising opportunity egypt,franchising opportunities egypt owe your own business egypt,
Insiders guide to leveraging your online reputationWSI Egypt
It’s essential that every business evaluate their online reputation.
Our main focus in this whitepaper is the fact that people are online talking about your business and what you need to do to face it head on. Through this resource kit, you’ll have the worksheets, forms and tested techniques that WSI Consultants use with clients to determine how you can best manage your online brand or personal reputation.
Special thanks to our partners at ReachLocal for their collaboration and cooperation in the production of this resource kit.
2016 Strategies for Engaging Tomorrows MembersASAE
The document discusses strategies for associations to transform and engage members through technology. It emphasizes developing a mobile mindset and focusing on members' digital experiences and "moments of need". Key points include building responsive websites, understanding members' journeys across multiple devices, using data analytics to gain insights, implementing beacon technology, and creating world-class APIs to seamlessly share data across systems. The goal is for associations to meet members' expectations by being present throughout their digital experiences.
The document discusses the digital revolution that is transforming commerce. Key points include:
- Shopping has shifted from local merchants to global chains to the current digital revolution in e-commerce.
- Digital technologies are ubiquitous and changing how people shop through online and mobile channels. Commerce is happening across many touchpoints.
- Mobile devices like smartphones are driving major changes, with m-commerce expected to grow 500% by 2016. Stores are transforming into digital showrooms.
- The future of commerce is mobile-driven and personalized for individual consumers, who are also social beings influencing each other. The ecosystem of related technologies and services creates the shopping experience.
- Building loyalty requires deep understanding of customers gained through analytics
1) MENA consumers, especially in the UAE, are among the most connected globally, spending significant time daily on social media and using multiple devices.
2) Researching products online and purchasing offline is common, and showrooming has become a widespread practice.
3) Consumers heavily rely on peer reviews and opinions when making purchase decisions, more so than expert opinions.
4) To better serve digitally savvy customers, businesses need to create seamless omni-channel experiences, equip salespeople with digital tools, and customize experiences based on consumer profiles and behaviors.
In our latest POV Mobile: The Great Connector, we examine how mobile is changing the world and how brands can create immersive and O.P.E.N. mobile experiences to exceed consumers’ expectations.
Efma distribution summit 2015 - banking on wearables how does it differ compa...YVON MOYSAN
Internet of Things: international Banking and Insurance wearable apps
Glasses, watches, wristbands, virtual reality headset, iBeacon or even wearable suits… Which bank or insurer have already launched a wearable app and why? What are the features of these apps dedicated to customers or employees? What are customers’ needs and expectations? What are customers’ fears? What are primary customers’ uses ? What are the app features that banks and insurers have already abandoned? What are the future app features or devices that banks and insurers expect to focus on? What are the Internet of Things key figures and projected trends?
This study includes more than 150 slides and covers the major wearables app that banks and insurers have developed so far. More than 70 of them are indeed analyzed. The objectives of the bank or the insurer are presented and illustrated by CEO or Digital Marketing Director verbatim, the main current and future features of the app and first customers’ feedbacks are detailed. In addition, the study includes several relevant links to press articles and videos illustrating the bank or insurer wearable app.
Efma distribution summit 2015: digital banking conference - banking on wearab...Saint Germain Consulting
- Wearables: key metrics
- Wearables in the banking industry: customers fears and expectations
- Banco Sabadell, Bank Leumi, Caixa Bank, Credit Mutuel Arkea develop Google glass and smartwatch app to manage personal finances
- Moven and Alfa Bank introduce gamification through wearables to allow customers to save money
We are in the midst of a transitionary phase where the usage of devices is rapidly evolving. Smartphones are starting to replace computers in our day-to-day lives, wireless payment and internet connected objects are being developed and social networks are beginning to re-invent themselves and offer additional services. These changes bring with them a new outlook on digital innovation.
However, a paradox between current usage and expectations is emerging : consumers demand more and more personalised experiences, and although many of these require a plethora of personal details, the intrusiveness of brands, along with recent cases of confidential information exposure, pushes customers to act with mistrust and suspicion.
Within an environment where customer expectations are becoming increasingly high, Vanksen’s new study Digital Trends in 2015 offers brands a guiding vision.
- Tesco created a mobile app using PowaTag technology to allow customers to pay for meal deals quicker through their smartphones.
- T-Mobile added 14 new music streaming services like Google Play Music and SoundCloud to their Music Freedom program which allows unlimited streaming without using data.
- Facebook introduced Privacy Basics to provide interactive guides answering common questions about privacy settings and controls on Facebook.
How Much Does It Cost to Build a Mobile Banking App Like Wise.pdfayushiqss
Once, you had been sent abroad without money, looking desperately for the bank that accepted your card, which didn’t charge you a small fee, right? What if you’re self-employed and you deal with invoices in different currencies? One way or another, the conversation suddenly transforms into a lesson on foreign exchange rates and risk management. In the days when globalization set its footsteps, traditional banking would thus feel clumsy and odd. This is where Wise (formerly TransferWise) jumps the line and introduces the app, where mobile banking can be super easy and convenient.
One might be interested to know how many resources it actually takes to create a challenger app like Wise. Thus, the answer is quite dependent on the situation. Yet, before we do that, it would be good if we first glance at the mobile banking world.
According to a study by App Annie, mobile banking app usage has skyrocketed in recent years. In 2023, everyone unexpectedly invested over 600 billion hours worldwide, predominantly keeping an eye on their financial applications. This is an impressive figure, as you could say that now mobile banking services keep our money in their house.
Why do digital wallet apps startups fail – mistakes to avoidnimbleappgenie
Digital wallet apps let users replace everything in their physical wallets such as cash, credit & debit cards, important documents like membership cards, driving licence, and store them digitally. This basically enables users to undertake a multitude of transactions.
Why do digital wallet apps startups fail – mistakes to avoidnimbleappgenie
We, at NimbleAppgenie, have Mobile app developers that are dedicated and professional in developing digital wallet apps. We are an extremely professional E-Wallet App Development company that provides digital wallet apps development services to innovative companies worldwide.
Why do digital wallet apps startups fail – mistakes to avoidnimbleappgenie
Do you know what people really want? They want the freedom to buy anything from anywhere in the world without carrying cash in their pocket. In simple words, they want an omnipresent payment solution that can replace their physical wallets and eliminate the need to carry country-wise currency. But today, many business people confuse digital wallet apps with payment apps. So, before you get deep into the topic of digital wallet apps development, let’s first clear the confusion between digital wallet apps and mobile payment app.
Mobile-optimized websites are important for engaging mobile customers. A poorly designed mobile site can negatively impact a business, as 57% of users say they won't recommend a business with a bad mobile site, and 40% have turned to a competitor's site after a bad mobile experience. It is important for businesses to continuously optimize their mobile site based on user interactions. Some businesses are now adopting a "mobile first" approach where mobile is considered the primary screen rather than a secondary consideration. Redirecting mobile users from the desktop site to the optimized mobile site is also important.
Having a mobile marketing strategy is no longer a luxury, but a core piece of any company or organization that wants to become more relevant and remarkable in real time. Making Sense of Mobile: 7 Insider Secrets to the Any Where, Any Time, Any Device Economy provides insights into the expanding mobile marketing landscape and what that means for businesses moving forward.
More than 30% of retailers have not yet implemented mobile technology, according to a recent survey conducted by Retail TouchPoints. As many as 50% already have a mobile web site and 23% have provided mobile devices for store associates.</p>
<p>In this upcoming webinar, Bob Ashenbrenner, MPOS Architect at Motion Computing, will discuss these and other insights collected during the survey, titled: <em><strong>Integrating Mobile Across All Touch Points</strong></em>. He also will share real-world examples of retailers who are ahead of the curve in terms of mobile deployments.
Excerpts... "In this white paper, we will provide a brief primer on the history and present state of mobile codes within the retail world, then share some notable innovations."
"Nielsen Research projects that fifty percent of the US population will own a smartphone by the end of 2011, with two thirds of them researching products and prices online while in stores."
"AT&T is investing millions in their mobile barcode platform, and Microsoft has been giving away its TAG solution as part of its 2010 beta program (which will become a revenue stream for them in 2011)."
Each year we product trends based to help us think about how the worlds of technology and media will change over the next few years.
There are lots of things happening, and we hope we have chosen some the most interesting
This year we look at:
Smart Devices
Push Notifications
Bluetooth Beacons
Frictionless Payments
Location & Local
Deliveries
Health
Actionable Intelligence
Polarisation
Borrowed Formats
This document discusses how mobile changes businesses' value propositions. It provides examples of companies that have adapted well to mobile, such as Chase allowing mobile check deposits and Intuit offering tax filing via smartphone photos. The document emphasizes that companies should define their value proposition by determining what consumers want to do with their business via mobile. It also discusses how mobile can help businesses reach local customers within a short distance to get them through the door. The examples provided illustrate how location-based features and functionality can embrace potential nearby customers.
Guía para tener éxito con la audiencia móvil - Cortesía Google - GABATEK.comGabatek .com
Google presenta la guía para ayudar a las empresas y negocios a tener éxito con la audiencia móvil. Con el gran crecimiento en la utilizacion de celulares y tablets, las empresas han tenido que adaptarse al gran cambio y es realmente una excelente oportunidad para que las empresas aprovechen la tecnología. http://gabatek.com
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1. trendwatching.com, independent and opinionated, is one of the worldʼs leading consumer
trends firm, relying on a global network of hundreds of spotters. Our trends, examples and
insights are delivered to 160,000 business professionals in more than 180 countries.
More information at www.trendwatching.com
June 2011 | Each year around this time, we bring you a Trend Briefing that is a bit more lighthearted than
usual, focusing almost exclusively on the endless and exciting innovations that are popping up all over
the world. Welcome to INNOVATION EXTRAVANGANZA ;-)
Innovation is the only way to survive in an ever more global, competitive business arena. By innovation
we mean anything that will get consumers spending, and preferably the kind of spending that involves
your products, services and experiences.
And since everyone from Seth Godin to the Harvard Business Review is providing you with excellent,
inspiring insights and theory on innovation as a mindset, a process, and a way of life, we'd like to con-
tribute to the conversation with examples of actual B2C innovations. Dozens of 'em. As we see it:
INNOVATION EXTRAVAGANZA | There will never be a shortage of smart ventures, brands, goods and
services that deliver on consumers’ wants and needs in surprising, new ways. In fact, with the entire
world now engaged in creative destruction, INNOVATION EXTRAVAGANZA is upon us. So yes, the doz-
ens of innovations we’ve rounded up for this Trend Briefing are just the tip of the iceberg. Invent, improve,
copy… or perish.
The link between INNOVATION EXTRAVAGANZA and consumer trends? As focused as we are on emerg-
ing consumer trends and changes in consumers' behavior, we never tire of pointing out that trends are
only good for one thing: inspiring you to innovate, to come up with new goods, services and experiences
for (or even better, with) your customers. For tips on how to turn trends and insights into innovations, re-
read the 'Apply' part of our Tips section.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
2. Innovation: not just labs, not always earnest, not necessarily ex-
pensive
Three more thoughts on innovation:
• Innovation is not necessarily about people in white coats
puttering about in R&D labs. In our current Experience
Economy, marketing innovation is equally important, and
often trumps technical innovation. Mobile apps are increasingly concerned not only with consumers’
physical health (remember our WELLTHY trend?) but also
• Furthermore, as consumers’ wants are sometimes frivo- their emotional wellbeing. Check out these ‘happiness’ apps:
lous, new products and services can be, too. Really,
innovation doesn’t have to be so earnest all the time. • Launched in March 2011, The Happy Apps aim to over-
ride stress-creating cues with their mood-enhancing
• Thirdly, doing or starting something new doesn't have to suite of iPhone and iPad apps. At USD 1.99 for six apps,
cost the earth. Many of the innovations featured in this spiritual healing comes cheap ;-)
briefing thrive on nimbleness and creativity, not huge
budgets.
OK, enough preaching, let’s get to practicing: check out these
30+ innovations, arranged by (mini) trend (EMBEDDED STORIES,
BIDCONOMY, CASH-LESS, and more). Here goes:
• Moodagent automatically analyzes and profiles a user’s
music collection, and then creates playlists of their fa-
vorite tracks to suit their mood, distinguishing songs by
sensuality, tenderness, joy, aggressiveness and tempo.
• The Mood Boost Brain Massage app from Napuru can
be played 24 hours a day and uses soothing audio to
help regulate and relax the mind.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
3. • Square, a service that allows anyone with an smart-
phone to accept credit card payments, launched their
iPad app in May 2011 that turns the tablet into a com-
prehensive 'cash register'. Customers with the app can
store payment details and purchase histories with mer-
chants, enabling them to pay instantly and receive per-
sonalized offers via the service.
• Introduced in May 2011, Google Wallet is an Android
app that turns a users' phone into a payment device.
Using NFC technology, users can pay by tapping their
phone on Mastercard paypass terminals. As well as be-
The long predicted cashless economy is slowly becoming reality ing able to make payments, users can also receive offers
in both mature and developing markets. In more mature econo- and store loyalty points via the app.
mies, consumers’ desire for convenience coupled with techno-
logical advances continues to drive innovations in cashless trans-
actions. Check out these examples - just some of the rapidly in-
creasing number out there:
• In March 2011, the Denmark Post launched digital
stamps that can be purchased via text message. A code
is sent to the user which can be written on the envelope
instead of a traditional stamp.
However, developing countries, where mobile penetration is high
yet banking infrastructure is poor, are hotbeds of CASH-LESS
innovation too (re-read our FUNCTIONALL Trend Briefing). Sa-
faricom’s M-PESA in Kenya and Globe Telecom’s GCASH in the
Philippines are of course pioneers, but do check out the following
examples, too:
• In Somaliland, where there are hardly any ATMs, Tele-
som launched mobile banking services through its
ZAAD Service in 2009. In October 2010, it added tech-
nology that also allows for customers to send and re-
ceive mobile remittances.
• In January 2011 Starbucks launched its Mobile Card • Founded by telecoms provider Telenor and Tameer
payment program across the US. Customers purchase Micro Finance Bank, easypaisa offers mobile banking
the Starbucks Card Mobile app, which then creates a services to customers in Pakistan.
personalized 2-D barcode to be scanned at the counter.
• And for when going CASH-LESS isn’t an option, we con-
• This year, McDonald's is looking to fit 7,000 European tinue to see innovative ways of getting cold hard cur-
outlets with point of sale touch screens and swipe cards, rency into customers’ hands: in March 2011, South Af-
rendering human cashiers redundant and reducing rica’s First National Bank introduced a new service that
transaction times. Likewise, Burger King is currently allows customers to withdraw cash from an ATM using
trialing the Visa payWave system in a number of restau- their mobile phone. The bank sends a text message
rants. with a temporary PIN to be used at the ATM within 30
minutes.
• In time for the London 2012 Olympic Games, Samsung
(in alliance with Lloyds TSB bank and Visa) is set to start
selling smartphones which can administer contactless
payments in over 60,00 locations around the city.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
4. • The IOU project is a clothing line based on fabrics
hand-woven in India that uses QR codes to enable con-
sumers to track each item purchased all the way back to
the weaver.
The idea behind using stories to increase the emotional attach-
ment to a product is nothing new. Indeed, many consumers have
been increasingly embracing individual (STILL) MADE HERE
product stories, as well as traditional brand messaging, in order
to tell their STATUS STORIES.
But increasingly, technology is allowing consumers to access
ever richer and more detailed stories by linking online and offline
worlds:
• RememberMe is a collaborative project between TO-
TeM (Tales of Things and Electronic Memory) and Ox-
fam, that infuses personal history into donated items by
enabling people to attach stories using RFID tags.
• In March 2011, US based ReMakes debuted its line of
one-of-a-kind sets of eco-friendly placemats made from
reclaimed billboards and movie posters. Each set fea-
tures a QR code which, when scanned with a smart- As consumers’ lives continue to get busier (there's an under-
phone, opens a webpage URL with information about statement for you), massive opportunity exists in curating and
ReMakes. then selling via subscription. Check out:
• Founded in March 2011, Spain based clothing and life- • UK based Jangeus Design offers yearly subscriptions
style company N-spired Story invites people to send in for the least glamorous but most useful of products;
photos, videos, news or stories; each month one story is eco-friendly kitchen cloths.
printed as an image on a limited edition t-shirt. Users
can point their phone at the t-shirt's design and link to
online content.
• Hoseanna delivers a new (run-free) pair of pantyhose to
customers' doors every month in the US.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
5. • Men are Useless sends essential grooming products to • Launched in January 2011, Not Another Bill sends cus-
customers every month in the UK, while new-on-the- tomers a surprise gift on a monthly basis.
scene GlossyBox allows beauty-conscious women to
sample luxury product miniatures.
• In the US, Tota Press offers a hand-made letter cards
subscription.
Consumers love to feel a sense of excitement and exclusivity (see
PLANNED SPONTANEITY). And the advent of flash sale group
buying sites like Groupon and LivingSocial, as well as the contin-
• For art enthusiasts, Canadian Papirmasse delivers a ued popularity of pop-up stores, reminds us that consumers still
monthly subscription of art print, while US based Alula love quick spontaneous purchases too, especially when there's a
offers a subscription to four limited edition art textiles bargain to be had:
each year.
• Launched by Swedish retailer Papercut, Speedsale of-
fers discounts on a variety of books, DVDs and the like,
but only for four seconds. After viewing the item for four
seconds online, the sale is over. Forever.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
6. • Fashion giant Burberry launched the Burberry Retail
Theater to showcase their Spring/Summer 2011 collec-
tion, an event that invited customers from 15 countries
to its stores to purchase clothing straight off the runway.
We’ve featured more charity/generosity innovations than you can
swing a stick at: from RANDOM ACTS OF KINDNESS to
• Along similar lines, Moda Operandi allows its members EMERGING GENEROSITY, because yes, this is one trend that
to purchase clothes 48 hours after a designer’s runway keeps on giving ;-)
show. Members receive their purchases within four
months, which is two months before they are available in But here’s one more example, which just stood out because it
any mainstream store. To add to the exclusivity, mem- certainly takes 'charity meets ATTENTION ECONOMY' to the next
bership is invitation only. level ;-)
• Groupon just launched a pilot program called Groupon • South Korean DONA is a childlike robotic street fund-
Now in Chicago. This new initiative allows customers to raiser and is programmed to respond with appreciative
view real-time deals offered by businesses in the vicinity. gestures whenever money is placed into its collecting
Each deal only last a few hours, so customers must buy pot.
quickly to benefit.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
7. pop-up terminal. The white, fully-waterproof marquee
was erected in front of the airport and had dedicated
check-in space.
• In March 2011, Swedish appliance maker Electrolux col-
laborated with Italian architects Park Associati to create
The Cube: an aluminum-clad, portable restaurant with
terrace, large enough to seat 18 diners. It has been set
up around various European cities, with each location
selected to offer diners a unique panoramic view of the
surrounding area.
Since we first coined the phrase POP-UP STORES back in 2004
(yes, we do apologize!), the transient concept has become a per-
manent fixture in many a marketing and branding strategy. A
phenomenon as ephemeral as this one requires constant innova-
tion. So the pop-ups we see today are bigger, better and more • Kilo Fashion is a new pop-up store in Milan that sells
extreme than ever before: designer clothes and accessories by the kilo. The brain-
child of fashion brand Lilla, Kilo Fashion opened in late
March and will close down in July 2011.
• Slated to appear in London's Shoreditch area this
August, Boxpark is a pop-up shopping mall that will
house more than 50 small stores in a two-story structure
constructed on Bishopsgate Goods Yard, a former rail-
way site that's been unused for more than 40 years.
Boxpark will focus on small, independent brands that are
hand-selected and offered space by invitation only.
• In May 2011, Tommy Hilfiger debuted the Prep World
Pop-Up, a temporary structure designed to look like an
authentic East Coast beach cabin. The house will be
traveling to various cities across the world, with Prep
World-themed events for style-conscious customers.
• As part of its Give It Back campaign, Coca Cola's pop-
up store in Tel Aviv (April 2011) sold recycled and upcy-
cled products made with Coke bottles and cans.
• To alleviate over-crowding in the airport's main terminal
during the busy winter period, Geneva airport erected a
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
8. Settling for the mediocre or homemade (unless it’s (STILL) MADE
HERE of course;-) just won’t do for today’s expectant consum-
ers. Affordable, accessible products & tools are increasingly al- With many consumers continuing to spend ever larger parts of
lowing regular people to create professional quality content and their lives online, we’ve previously looked at how one’s online
products. Some recent spottings: identity is something to be built, profited from (PROFILE MYN-
ING) and even flaunted (ONLINE STATUS SYMBOLS ). No won-
• New Zealand based WilliamsWarn produced the world’s der then, there’s also an increasing demand for products or serv-
first personal brewery in 2011. Easy to operate, even ices that remove, protect, or restore one’s online (and therefore
novice users can create their favorite beers as the ma- offline) reputation*.
chine automatically takes care of some of the most criti-
cal manufacturing processes. * And yes, there's a huge demand for other related privacy serv-
ices too, but we’ll save that for a future, dedicated Trend Briefing.
• US based reputation.com and Reputation Armor are
online reputation management consultancies helping
consumers manage their data and defend their reputa-
tion by blocking misleading or incorrect information, and
increasing positive content.
• Metal Rabbit Media “delivers buzz, increases demand,
and protects reputations” for a more affluent clientele.
• Socioclean and Reppler are both free services that en-
able users to monitor and clean their online social pro-
files of any ill-advised and inappropriate material.
• California based TechShop offers a chain of equipment-
filled workshops, where members can turn their (expen-
sive) designs from dreams into reality.
• Collabracam allows users to shoot video footage like a
pro. By connecting up to four iPhones, iPod Touches or
iPads, the director is able to view all the cameras’
streams, prepare shots and switch between footage at
any given time.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
9. The amount of information out there, and consumers' desire to For brands, applying the human touch has, does and will boost
devour the best bits of it, is still unrelenting (see INFOLUST). sales, engagement and loyalty. Just one of the many sub-trends
Hence, anything that helps present, edit, display, strip, filter, bun- to GENERATION G, 'GIFTING GALORE' encompasses the crea-
dle and curate the (commercial) data flows easily into something tive means in which brands now help facilitate gift-giving between
digestible and relevant will do well forever. Check out these ex- consumers.
amples of extreme curation:
• PepsiCo has just introduced a ‘Social Vending Ma-
• Hotel Haiku is a travel website that lists hotels around chine’; it gives consumers the option of gifting a drink to
the world, in an ultra-simple fashion. Information about a a friend, which they can redeem at participating ma-
featured hotel is comprised of a single image, a short chines with an SMS code.
description and a link. That’s it.
• UK based Just Buy This One is a service that takes the
cumulative ratings of product reviews and offers a single
recommendation. It works across nine categories, from
cameras to kettles.
• German company frinXX allows its users to buy drinks
for their friends at any bar without being present. Once
the transaction goes through, a code is generated and
sent to the recipient's cellphone with a personalized
message.
• Concerning itself with music and fashion, 1band1brand
highlights one emerging music band and one up-and-
coming fashion brand each week, along with special
offers for subscribers.
• Aiming to create a broader audience for underappreci-
• Japanese Giftee is an online service that lets users send
ated artists in the developing world, Art Sumo is a
small “thank you” gifts via Twitter, either to other people
brand-new, member-only site that highlights one un- or charities.
sung, select painting each day at a heavily discounted
price.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
10. as they stopped by attractions (from swimming to mas-
sage), and would update their online Facebook status.
The wristbands also allowed for automatic Facebook
tagging of any photos taken.
• At the PIAS Nites music festival in Brussels in March
2011, attendees were given a card that linked to their
Facebook account. They could connect on Facebook to
new friends they met in person by swiping their cards
together over a card reader, or take photos is a special
booth that automatically updated their Facebook profile.
Consumers’ desire to broadcast their lives on social media is truly
unabated (check out SOCIAL-LITES), and apps like Foursquare
and Gowalla, or Facebook’s Like button are making it easier for
people to tell their friends where they are, what they are doing,
and what they are liking. But how about making it super-easy to
bridge the offline physical world experience with the online?
Check out some of these examples:
• In April 2011 at the AutoRAI Amsterdam Motorshow, car
manufacturer Renault handed out RFID-equipped cards
which could connect to Facebook accounts. Users
could physically ‘like’ a car by swiping the card against
its corresponding card-reader and the ‘like’ would then
appear on their Facebook profile.
• Last August, Coca-Cola invited selected Israeli teenag-
ers to the Coca-Cola Village - an activity based summer
camp (YouTube video here). Upon entry they were given
special RFID-enabled wristbands that they could swipe
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
11. Surfacing more and more are intention-based websites, where
Can a brand ever customize, if not personalize its products and
the traditional purchaser/vendor relationship is flipped on its head
services enough? Forget letting customers just pick a color or
and sellers bid for consumers' business. Have a look at these
pattern; hyper-personalization will be the name of the game for
recent ‘BIDCONOMY’ initiatives:
years to come. Learn from:
• French skincare company Codage lets customers
choose the ingredients and concentrations in a variety of
their products. Consumers follow a step-by-step diag-
nostic process online to assess their personal needs,
Codage then makes recommendations for nutritional
supplements as well as face and eye serums.
• Canada based Zipzoom lets buyers announce what
they're in the market for, giving sellers a chance to bid
for the opportunity to serve them. Personalized quotes
are sent directly to the consumer, allowing him or her to
pick the best one.
• Launched in beta during March 2011, HolidayCrowd
invites travelers to list a trip they'd like to take, specify-
ing details such as destination and budget. Participating
travel agents then assess the request and build an itin-
erary, resulting in competing offers for the traveler.
• Netherlands based Kunst Buzz creates a user’s image
out of their tweets. The canvas printed posters come in
three sizes and cost from EUR 125 to EUR 225.
• Zaarly, a startup that launched to the public in May
2011, caught the attention of Ashton Kutcher by flipping
the Craigslist model on its head. Using the tool, users
post their location, what they are looking for, how much
they are willing to pay for it, and when they need it by.
The request is shared with local individuals, providers or
businesses, and the service then connects the user with
any interested suppliers via anonymous phone calls to
discuss logistics and to complete the transaction.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)
12. Opportunities
Schumpeter's creative destruction truly is upon us!
To beat you over the head with it one more time: besides making
sure you're forever fine-tuning the basics, you also have to con-
tinuously innovate, by anticipating emerging consumer trends.
This Trend Briefing has tried to provide you with examples of
brands already practicing what the gurus are preaching.
The both scary and celebratory part? Wherever you live, whatever
it is you do, you have absolutely no excuse to be unaware of in-
novations originating in Australia, in the Netherlands, in the US, in
Argentina, in Turkey, in Singapore, in South Africa ... It’s all out
there, reported 24/7 by numerous sources dedicated to trends
and new business ideas.
So, get into gear and good luck! And once you've joined the 'ex-
travaganza', be sure to let us know about your innovative new
products and services.
You are reading a PDF version of “INNOVATION EXTRAVAGANZA” (www.trendwatching.com/trends/innovationextravaganza)