'

Digital Disruption in Finance

Понравилась презентация – покажи это...





Слайд 0

Digital Transformation ——— Digital Disruption 
 in finance ——— June 2015 jo@dearmedia.be / @jcaudron / +32 475 43 80 98


Слайд 1

• we are a digital consulting company • • founded in 2009 • we have a strong vision on the impact of digital and act accordingly • we are advisors, writers, coaches and entrepreneurs we work for large European clients AllDigitalNow


Слайд 2

@jcaudron


Слайд 3

Digital disruption is real. Expect a smack in the face…


Слайд 4

who is your…


Слайд 5


Слайд 6

Waves of Digital Disruption 1995+ 2010+ 2015+ 2020+ Music Photography Video Rental … Print Media TV Travel HR … Finance Healthcare Automotive Retail Education Telco … All Safe havens will be subject to digital disruption …


Слайд 7

You have a choice Modeling Disruption Transformation @jcaudron


Слайд 8

What can we learn? @jcaudron


Слайд 9

The Glass House Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity


Слайд 10

The Glass House Transparency, trust, authenticity,… Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity google.com/trends/


Слайд 11

The Glass House Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity


Слайд 12

The Glass House Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity Accountability


Слайд 13

The Glass House Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity Bi-directional


Слайд 14

The Glass House “Simple”, remember these guys… Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity Transparency simple.com Humanization


Слайд 15

The Glass House New transparent technologies like the Blockchain Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity blockchain.info


Слайд 16

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability


Слайд 17

The Package Unbundling Angry Birds YouTube Yelo App Boxee TV Twitter, Facebook Fun RSS CNN online / app Breaking news culture Spotify Twitter, Facebook Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Sporza.be Newspaper Website In-depth analysis Discovery Blogs Sports LinkedIn, Monster, ... Specials Jobs Services Classifieds eBay Weather Trends & Lifestyle Weather Pro (iPhone) Vertical sites and specialties portals Traffic: Waze + iCoyote (iPhone) Pinterest, blogs


Слайд 18

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Unbundling of banks


Слайд 19

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability PayPal’s simple and social payments app venmo.com


Слайд 20

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Personalized pricing metromile.com


Слайд 21

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Rebundling of health insurance with personalized lifestyle improvements zoomcare.com/health-insurance


Слайд 22

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Subscriptions & packages in healthcare insurance hioscar.com


Слайд 23

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Exquise user experience m.gobank.com


Слайд 24

The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Scalability


Слайд 25

The Frog Bypassing Virtualization Fragmentation of touchpoints


Слайд 26

The Frog Bypassing Virtualization Fragmentation of touchpoints Bypassing


Слайд 27

The Frog Bypassing Virtualization Fragmentation of touchpoints Other industries are getting into finance


Слайд 28

The Frog Bypassing of overdrafts through better rates and no waiting times Bypassing Virtualization Fragmentation of touchpoints koalaboox.com


Слайд 29

The Frog Bypassing of stockbrokers Bypassing Virtualization Fragmentation of touchpoints robinhood.com


Слайд 30

The Frog Bypassing money transfer fees Bypassing Virtualization Fragmentation of touchpoints transferwise.com


Слайд 31

The Frog “The People” bypassing banks, Bitcoin is for real Bypassing Virtualization Fragmentation of touchpoints goabra.com


Слайд 32

The Frog Bypassing Virtualization Fragmentation of touchpoints Bypassing of money transfer companies


Слайд 33

The Gatekeeper New gatekeepers Recommendations “Good is good enough” Ambassadorship


Слайд 34

The Gatekeeper New gatekeepers Recommendations “Good is good enough” Ambassadorship Product simplification will allow for new gatekeepers…


Слайд 35

The Gatekeeper New generations want new gatekeepers New gatekeepers Recommendations “Good is good enough” Ambassadorship millennialdisruptionindex.com


Слайд 36

The Gatekeeper New gatekeepers Recommendations “Good is good enough” Ambassadorship FinTech investments tripled in 1 year


Слайд 37

The Gatekeeper They are afraid, are you? New gatekeepers Recommendations “Good is good enough” Ambassadorship shareholder.com/downloads/ONE/JPMC-AR2014-LetterToShareholders.pdf


Слайд 38

The Gatekeeper New gatekeepers New gatekeepers Recommendations “Good is good enough” Ambassadorship etoro.com


Слайд 39

The Gatekeeper New gatekeepers in retirement spending New gatekeepers Recommendations “Good is good enough” Ambassadorship myabaris.com


Слайд 40

The Gatekeeper New gatekeepers Recommendations “Good is good enough” Ambassadorship Rebundling all methods and channels into one experience adyen.com braintreepayments.com


Слайд 41

The Gatekeeper Apps integrate payments through stripe, not banks New gatekeepers Recommendations “Good is good enough” Ambassadorship stripe.com


Слайд 42

The Gatekeeper “Good is good enough” New gatekeepers Recommendations “Good is good enough” Ambassadorship Pay, track, save, loan.


Слайд 43

The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time


Слайд 44

The Traveller (digital entering PoS) PLACE PoS Hybrid Omnichannel (all functions go digital too) Place Utility Empowered self Instant gratification New way of working Contextual awareness Online


Слайд 45

The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time The rise of mobile


Слайд 46

The Traveller 27% of global transactions on mobile devices Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time adyen.com/home/about-adyen/press-releases/mobile-payments-index-april-2015


Слайд 47

The Traveller Empowered Self, Utility, Instant Gratification Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time moven.com


Слайд 48

The Traveller Utility for better driving behaviour Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time axa.com.my/1741/en/useful-links/axa-drive/axa-drive


Слайд 49

The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time KBC wants to keep some offices open at night and during weekends - New way of working


Слайд 50

The Participant Community Gamification Collaboration The power of the crowd Sharing economy


Слайд 51

The Participant The sharing economy Community Gamification Collaboration The power of the crowd Sharing economy audiunite.com/se/service/en_unite.html = 200 euro per maand per persoon


Слайд 52

The Participant Crowdfunding Civic crowdfunding Community Gamification Collaboration The power of the crowd Sharing economy bron: frankwatching


Слайд 53

The Participant Peer-to-peer lending with better rates Community Gamification Collaboration The power of the crowd Sharing economy lendingclub.com


Слайд 54

The Participant Guess who are partnering with the Lending Club? Community Gamification Collaboration The power of the crowd Sharing economy lendingclub.com


Слайд 55

The Participant Insurance based on your network Community Gamification Collaboration The power of the crowd Sharing economy inspeer.me friendsurance.com


Слайд 56

The Participant Community for student loans and support Community Gamification Collaboration The power of the crowd Sharing economy commonbond.co


Слайд 57

The Participant Group buying your insurance Community Gamification Collaboration The power of the crowd Sharing economy heyguevara.com boughtbymany.com


Слайд 58

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring


Слайд 59

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Internet of Things


Слайд 60

The Cyborg Contactless payments This is about data, not money. Internet of Things Wearables Quantified self Robotics Data Monitoring


Слайд 61

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Financial management on your wrist


Слайд 62

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Wearables will change our lifestyle


Слайд 63

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Credit & insurance through smart device monitoring?


Слайд 64

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring The future of car insurance?


Слайд 65

The Cyborg Data, Data, Data! Internet of Things Wearables Quantified self Robotics Data Monitoring finextra.com/news/fullstory.aspx?newsitemid=27366


Слайд 66

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Smart contracts


Слайд 67

The Cyborg Programmable banks are coming Internet of Things Wearables Quantified self Robotics Data Monitoring programmableweb.com/api/fidor


Слайд 68

The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring New industries for insurance coverdrone.com bitgo.com


Слайд 69

So, back to Digital Transformation


Слайд 70

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 71

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 72

Sold in 28 countries Use the wheel to: Spot and understand the dynamics of digital disruption Glass House Cyborg Package THE WHEEL OF CHANGE Participant Analyse the impact on your industry and business Create a future vision and write a transformation strategy for your company Frog Traveller Gatekeeper Build a roadmap that gets you there.


Слайд 73

It’s no longer about digital, it’s about business Corporate (comm) Strategy Digital Strategy Company Strategy Digital World @jcaudron


Слайд 74

Digital in the core The Business Digital (at the sideline) From ... @jcaudron ... to Digital Transformation Modeling


Слайд 75

The Business The Business Digital (at the sideline) Digital (at the sideline) From ... @jcaudron ... to Digital Transformation Modeling


Слайд 76

Digital in the core Digital in the core Digital in the core The Business The Business Digital (at the sideline) Digital in the core Digital (at the sideline) From ... @jcaudron ... to Digital Transformation Modeling


Слайд 77

Digital in the core Digital in the core Digital in the core The Business The Business Digital (at the sideline) Digital in the core Digital (at the sideline) From ... @jcaudron ... to Digital Transformation Modeling


Слайд 78

Digital Transformation From ... @jcaudron ... to Digital Transformation R&D & Enterprise 2.0 PR & External Commun. IT HR Service & Support Sales Marketing & Communication Digital Channels DM Billboards Print TV Radio


Слайд 79

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 80

“If you can't understand the new world of digital, fire yourself. Build an executive team that is digital-first (when problems arise, the first solution is always digital). Make sure there is a techie on the board of directors. If the board has a low digital IQ, the company will have a low digital IQ” George Colony CEO Forrester Research So, where are you? How digital is your company? Digital Leadership Assessment


Слайд 81

The ideal situation Ideally your CEO is the digital lead Mkt Sales CEO CIO COO CbsO


Слайд 82


Слайд 83

You need Digital Leadership, on all levels Shareholders Board of Directors Digital Officers CEO DIGITAL OFFICE Mkt CDO Sales Digital Network CIO COO Virtual Digital Leadership Team CbsO Outside world Digital Leads


Слайд 84

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 85

Incumbents (you) The Classics Challengers (them) The Converted • (mentally) older generation that will not go digital soon • slowly getting involved with digital and embracing it. • no longer open to changes brought by digital • The Digital they expect the digital services to be a translation of the traditional services. • they make you stretch the traditional business as long as possible Traditional model Traditional channels • most of the digital investments today are focused here, but this is mainly fixing the basics Traditional models Digital channels • • still knows the old business models and logic, but that is already adopting a new behaviour and new business models and services. first adopters of entirely new business models (cfr. Netflix, Uber, …). Invest in this too New models Digital channels The Ruptured • raised with new concepts, with no recollection of the old models • use a broad variety of business models and technologies • digital natives, the children that grow up with tablets, apps and everything ondemand. Everything new


Слайд 86

Different types of innovation The Factory The Guesthouse The Garage Change projects Breakthrough innovation • Development of ‘need to have’ • Small and dedicated project-teams, focused digitals projects and technology • Working on the existing foundation of the company • Follows general procedures and regulations • Slow on in-house innovation • Limited independency: they are an (internal) supplier of the factory • Focus on strategically important new-style projects or add-ons that will be rolled-out within the existing company architecture • Small dedicated teams focused on innovation • Autonomous operations and decisions • Possibly separate entities • Focused on agile and rapid development and roll- Incremental innovation out of ideas in a stand-alone model • These can be grass-root internal initiatives or acquisition of interesting targets


Слайд 87

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 88

From ... @jcaudron ... to Digital Transformation


Слайд 89

1 Create your own Digital Transformation vision and plan 2 Create Digital Leadership 3 Innovate in the right place(s) 4 Build the Transformation Fleet 5 Change the culture


Слайд 90

@jcaudron 1. The customer always decides


Слайд 91

2. All things you do must start from a superior experience @jcaudron


Слайд 92

3. From now on, you are an agile and flexible company @jcaudron


Слайд 93

4. You live in a world of uncertainty @jcaudron


Слайд 94

5. Always play on the offense instead of the defense @jcaudron


Слайд 95

6. Don’t be afraid to cannibalize your own business @jcaudron


Слайд 96

7. Never, ever, disrespect new or small players @jcaudron


Слайд 97

The customer always decides All things you do must start from a superior experience From now on, you are an agile and flexible company You live in a world of uncertainty Always play on the offense instead of the defense Don’t be afraid to cannibalize your own business Never, ever, disrespect new or small players How far away is this from YOUR business reality? @jcaudron


Слайд 98

7 Key Take-Aways


Слайд 99

Disruption is real, deal with it! Modeling 1. Disruption is happening anyway, often without your knowing… Disruption Transformation @jcaudron


Слайд 100

Disruption is real, deal with it! 2. There are methods to understand the impact and plan for the future Modeling Disruption Transformation @jcaudron


Слайд 101

Disruption is real, deal with it! Modeling Disruption Transformation 3. You can take transformation in your own hands, but you will have to start NOW, in order to stay in the drivers seat! @jcaudron


Слайд 102

4. You’ll need digital leadership throughout the entire organization @jcaudron


Слайд 103

5. You will need to embrace new culture, policies, rules, methodologies, technology, processes, attitude, … @jcaudron


Слайд 104

6. You’re no longer too big to fail … @jcaudron


Слайд 105

7. still looking for n°7


Слайд 106

7. still looking for n°7 Thank you! jo@Dearmedia.be @jcaudron 00 32 475 43 80 98


Слайд 107

• we are a digital consulting company • • founded in 2009 • we have a strong vision on the impact of digital and act accordingly • we are advisors, writers, coaches and entrepreneurs we work for large European clients AllDigitalNow


Слайд 108

Our Vision: AllDigitalNow All businesses will have to do things in a digital way because that’s what their clients want. Even non-digital companies will see their business be impacted by those who are digital (clients, competitors, partners, digital challengers, …). There is no way around this, the time of not believing is over. AllDigitalNow


Слайд 109

1 We make companies understand the long term impact of digital on their business, what this means for their future and how they can take digital transformation in their own hands. 2 We create business strategy, concepts and plans for online, mobile, social, … 3 We are advisors. We do our job in a bootstrapped way, mixing high-end strategic thinking with pragmatic implementation, through thought leadership and entrepreneurship. AllDigitalNow “AllDigitalNow”


Слайд 110

Out Now! • • www.digitaltransformationbook.com Available in Dutch and English


Слайд 111

Digital Transformation Modeling Step 1: Impact,Vision and Ideas Step 2: Trendmapping Step 3: Digital Transformation Digital Strategy & Concept Development Strategy Architecture Functional design, wireframing, RFP, … Social Media set-up, policy, roles, tools, training… Ambassadorship Content Marketing DearMedia, Digital Strategy & Transformation


Слайд 112

Digital Transformation ——— Dealing with Digital Disruption ——— June 2015 jo@dearmedia.be / @jcaudron / +32 475 43 80 98


Слайд 113


×

HTML:





Ссылка: