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Digital disruption in Finance

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Here are a few of the disruptions we have picked up in the finance sector and how you can take your future into your own hands by transforming your company.

http://www.dearmedia.be/digital-transformation/

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  • DOWNLOAD THE BOOK INTO AVAILABLE FORMAT (New Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download Full EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download Full doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THE can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THE is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBOOK .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, CookBOOK, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, EBOOK, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THE Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THE the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THE Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Digital disruption in Finance

  1. 1. Digital Transformation ——— Digital Disruption 
 in finance ——— June 2015 jo@dearmedia.be / @jcaudron / +32 475 43 80 98
  2. 2. AllDigitalNow • we are a digital consulting company • founded in 2009 • we work for large European clients • we have a strong vision on the impact of digital and act accordingly • we are advisors, writers, coaches and entrepreneurs
  3. 3. @jcaudron
  4. 4. Digital disruption is real. Expect a smack in the face…
  5. 5. who is your…
  6. 6. Waves of Digital Disruption 1995+ Music Photography Video Rental … 2010+ Print Media TV Travel HR … 2015+ Finance Healthcare Automotive Retail Education Telco … 2020+ All Safe havens will be subject to digital disruption …
  7. 7. @jcaudron Disruption Modeling Transformation You have a choice
  8. 8. @jcaudron What can we learn?
  9. 9. The Glass House Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity
  10. 10. Transparency, trust, authenticity,… Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House google.com/trends/
  11. 11. Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House
  12. 12. Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House Accountability
  13. 13. Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House Bi-directional
  14. 14. Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House “Simple”, remember these guys… simple.com Humanization Transparency
  15. 15. Transparency Accountability Proximity Responsiveness Bi-directional Humanization Authenticity The Glass House New transparent technologies like the Blockchain blockchain.info
  16. 16. Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability The Package
  17. 17. Angry Birds Twitter, Facebook Newspaper Website CNN online / app Blogs Vertical sites and specialties portals Yelo App Boxee Spotify Sporza.be LinkedIn, Monster, ... eBay Pinterest, blogs Weather Pro (iPhone) Traffic: Waze + iCoyote (iPhone) YouTube Twitter, Facebook RSS Breaking news In-depth analysis Services Weather Classifieds Jobs Sports TV Fun Specials Discovery culture Trends & Lifestyle Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability The Package Unbundling
  18. 18. The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Unbundling of banks
  19. 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
  20. 20. Personalized pricingThe Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability metromile.com
  21. 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
  22. 22. The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Subscriptions & packages in healthcare insurance hioscar.com
  23. 23. The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Exquise user experience m.gobank.com
  24. 24. The Package Monolithic vs. atomic APPification Long Tail Personalized Experience Speed Price (Self-)service Scalability Scalability
  25. 25. The Frog Bypassing Virtualization Fragmentation of touchpoints
  26. 26. Bypassing Virtualization Fragmentation of touchpoints The Frog Bypassing
  27. 27. Bypassing Virtualization Fragmentation of touchpoints The Frog Other industries are getting into finance
  28. 28. Bypassing Virtualization Fragmentation of touchpoints The Frog Bypassing of overdrafts through better rates and no waiting times koalaboox.com
  29. 29. Bypassing Virtualization Fragmentation of touchpoints The Frog Bypassing of stockbrokers robinhood.com
  30. 30. Bypassing money transfer fees Bypassing Virtualization Fragmentation of touchpoints The Frog transferwise.com
  31. 31. “The People” bypassing banks, Bitcoin is for real Bypassing Virtualization Fragmentation of touchpoints The Frog goabra.com
  32. 32. Bypassing Virtualization Fragmentation of touchpoints The Frog Bypassing of money transfer companies
  33. 33. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper
  34. 34. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper Product simplification will allow for new gatekeepers…
  35. 35. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper New generations want new gatekeepers millennialdisruptionindex.com
  36. 36. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper FinTech investments tripled in 1 year
  37. 37. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper They are afraid, are you? shareholder.com/downloads/ONE/JPMC-AR2014-LetterToShareholders.pdf
  38. 38. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper New gatekeepers etoro.com
  39. 39. New gatekeepers in retirement spending myabaris.com New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper
  40. 40. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper Rebundling all methods and channels into one experience adyen.com braintreepayments.com
  41. 41. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper Apps integrate payments through stripe, not banks stripe.com
  42. 42. New gatekeepers Recommendations “Good is good enough” Ambassadorship The Gatekeeper “Good is good enough” Pay, track, save, loan.
  43. 43. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time
  44. 44. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness PLACE OnlinePoS Hybrid Omnichannel (digital entering PoS) (all functions go digital too)
  45. 45. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time The rise of mobile
  46. 46. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time 27% of global transactions on mobile devices adyen.com/home/about-adyen/press-releases/mobile-payments-index-april-2015
  47. 47. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time Empowered Self, Utility, Instant Gratification moven.com
  48. 48. The Traveller Place Utility Empowered self Instant gratification New way of working Contextual awareness Real-time Utility for better driving behaviour axa.com.my/1741/en/useful-links/axa-drive/axa-drive
  49. 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
  50. 50. The Participant Community Gamification Collaboration The power of the crowd Sharing economy
  51. 51. The Participant Community Gamification Collaboration The power of the crowd Sharing economy The sharing economy audiunite.com/se/service/en_unite.html = 200 euro per maand per persoon
  52. 52. CrowdfundingThe Participant Community Gamification Collaboration The power of the crowd Sharing economy Civic crowdfunding bron: frankwatching
  53. 53. Peer-to-peer lending with better ratesThe Participant Community Gamification Collaboration The power of the crowd Sharing economy lendingclub.com
  54. 54. Guess who are partnering with the Lending Club?The Participant Community Gamification Collaboration The power of the crowd Sharing economy lendingclub.com
  55. 55. Insurance based on your networkThe Participant Community Gamification Collaboration The power of the crowd Sharing economy friendsurance.com inspeer.me
  56. 56. Community for student loans and support commonbond.co The Participant Community Gamification Collaboration The power of the crowd Sharing economy
  57. 57. Group buying your insuranceThe Participant Community Gamification Collaboration The power of the crowd Sharing economy boughtbymany.com heyguevara.com
  58. 58. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring
  59. 59. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Internet of Things
  60. 60. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Contactless payments This is about data, not money.
  61. 61. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Financial management on your wrist
  62. 62. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Wearables will change our lifestyle
  63. 63. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Credit & insurance through smart device monitoring?
  64. 64. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring The future of car insurance?
  65. 65. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Data, Data, Data! finextra.com/news/fullstory.aspx?newsitemid=27366
  66. 66. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Smart contracts
  67. 67. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring Programmable banks are coming programmableweb.com/api/fidor
  68. 68. The Cyborg Internet of Things Wearables Quantified self Robotics Data Monitoring New industries for insurance bitgo.com coverdrone.com
  69. 69. So, back to Digital Transformation
  70. 70. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  71. 71. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  72. 72. Glass House Package Frog GatekeeperTraveller Participant Cyborg THE WHEEL OF CHANGE Use the wheel to: Spot and understand the dynamics of digital disruption Analyse the impact on your industry and business Create a future vision and write a transformation strategy for your company Build a roadmap that gets you there. Sold in 28 countries
  73. 73. @jcaudron It’s no longer about digital, it’s about business Corporate (comm) Strategy Digital Strategy Company Strategy Digital World
  74. 74. @jcaudron@jcaudron Digital Transformation Modeling From ... ... to The Business Digital (at the sideline) Digital in the core
  75. 75. @jcaudron@jcaudron Digital Transformation Modeling From ... ... to The Business Digital (at the sideline) From ... The Business Digital (at the sideline)
  76. 76. @jcaudron@jcaudron Digital Transformation Modeling From ... ... to The Business Digital (at the sideline) Digital in the core From ... The Business Digital (at the sideline) Digital in the core Digital in the core Digital in the core
  77. 77. @jcaudron@jcaudron Digital Transformation Modeling From ... ... to The Business Digital (at the sideline) Digital in the core From ... The Business Digital (at the sideline) Digital in the core Digital in the core Digital in the core
  78. 78. @jcaudron@jcaudron Digital Transformation TV Radio Print Billboards DM DigitalChannels From ... ... to Sales Marketing&Communication Service&Support HR IT PR&ExternalCommun. R&D&Enterprise2.0 Digital Transformation
  79. 79. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  80. 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
  81. 81. The ideal situation CEOIdeally your CEO is the digital lead CIO COO CbsOSalesMkt
  82. 82. Outside world Digital Network Digital Officers DIGITAL OFFICE You need Digital Leadership, on all levels CIO COO CbsOSalesMkt CDO Virtual Digital Leadership Team Digital Leads Board of Directors Shareholders CEO
  83. 83. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  84. 84. The Classics The Converted The Digital The Ruptured • (mentally) older generation that will not go digital soon • no longer open to changes brought by digital • they make you stretch the traditional business as long as possible • slowly getting involved with digital and embracing it. • they expect the digital services to be a translation of the traditional services. • most of the digital investments today are focused here, but this is mainly fixing the basics • 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 • 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 on- demand. Traditional model Traditional channels Traditional models Digital channels New models Digital channels Everything new Incumbents (you) Challengers (them)
  85. 85. Different types of innovation The Factory The Guesthouse The Garage Incremental innovation • Development of ‘need to have’ digitals projects and technology • Working on the existing foundation of the company • Follows general procedures and regulations • Slow Change projects • Small and dedicated project-teams, focused 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 Breakthrough innovation • Small dedicated teams focused on innovation • Autonomous operations and decisions • Possibly separate entities • Focused on agile and rapid development and roll- out of ideas in a stand-alone model •These can be grass-root internal initiatives or acquisition of interesting targets
  86. 86. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  87. 87. @jcaudron Digital Transformation From ... ... toFrom ...
  88. 88. Create your own Digital Transformation vision and plan1 Create Digital Leadership2 Innovate in the right place(s)3 Build the Transformation Fleet4 Change the culture5
  89. 89. @jcaudron 1. The customer always decides
  90. 90. @jcaudron 2. All things you do must start from a superior experience
  91. 91. @jcaudron 3. From now on, you are an agile and flexible company
  92. 92. @jcaudron 4. You live in a world of uncertainty
  93. 93. @jcaudron 5. Always play on the offense instead of the defense
  94. 94. @jcaudron 6. Don’t be afraid to cannibalize your own business
  95. 95. @jcaudron 7. Never, ever, disrespect new or small players
  96. 96. @jcaudron Never, ever, disrespect new or small players 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 How far away is this from YOUR business reality?
  97. 97. 7 Key Take-Aways
  98. 98. @jcaudron Disruption is real, deal with it! Disruption Modeling Transformation 1. Disruption is happening anyway, often without your knowing…
  99. 99. @jcaudron Disruption is real, deal with it! Disruption Modeling Transformation 2. There are methods to understand the impact and plan for the future
  100. 100. @jcaudron Disruption is real, deal with it! Disruption Modeling 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!
  101. 101. @jcaudron 4. You’ll need digital leadership throughout the entire organization
  102. 102. @jcaudron 5. You will need to embrace new culture, policies, rules, methodologies, technology, processes, attitude, …
  103. 103. @jcaudron 6. You’re no longer too big to fail …
  104. 104. 7. still looking for n°7
  105. 105. 7. still looking for n°7 Thank you! jo@Dearmedia.be @jcaudron 00 32 475 43 80 98
  106. 106. AllDigitalNow • we are a digital consulting company • founded in 2009 • we work for large European clients • we have a strong vision on the impact of digital and act accordingly • we are advisors, writers, coaches and entrepreneurs
  107. 107. AllDigitalNow 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.
  108. 108. AllDigitalNow 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. We create business strategy, concepts and plans for online, mobile, social, … 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”1 2 3
  109. 109. Out Now! • www.digitaltransformationbook.com • Available in Dutch and English
  110. 110. Functional design, wireframing, RFP, … Social Media set-up, policy, roles, tools, training… Ambassadorship Content Marketing Strategy Architecture Digital Strategy & Concept Development Digital Transformation Modeling Step 1: Impact,Vision and Ideas Step 2:Trendmapping Step 3: Digital Transformation DearMedia, Digital Strategy & Transformation
  111. 111. Digital Transformation ——— Dealing with Digital Disruption ——— June 2015 jo@dearmedia.be / @jcaudron / +32 475 43 80 98

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