Das zunehmend digital geprägte Leben erfordert auch eine Umstellung traditioneller Serviceansätze, um den neuen Erwartungen gerecht zu werden.
Die Anzahl der digitalen Endgeräte, die für Konsumenten verfügbar sind, hat stark zugenommen. In der Folge werden wir immer vernetzter, nicht nur untereinander, sondern auch mit Unternehmen und Marken. Und hierdurch verändern sich traditionelle Definitionen von Medien und deren Nutzung.
Tragbare internetfähige Geräte, sogenannte Wearables, liegen im Trend. Es gibt die unterschiedlichsten Typen und Anwendungsbereiche. Eine neue Studie untersucht Mehrwert und Erfolgsaussichten und gibt Tipps für unterschiedliche Erlösmodelle.
There is a shift in retail banking towards the use of social technologies to deliver value in mobile services for money Management.
With that, the pace of social technology adoption by companies has started to accelerate. Non-banks like Moven and Simple, as well as a number of European service providers have launched more “socially integrated” mobile banking applications in the past few years. However, most of these products (and the financial services industry as a whole) have only scratched the surface with building functionality into the customer experience to engage with customers and pinpoint the ROI of mobile Banking.
Social Media sind eine der größten Quellen geschäftsrelevanter Daten und einer der wichtigsten Treiber der Digitalisierung. Sie bieten Unternehmen die Chance, das eigene Ergebnis nachhaltig zu verbessern.
According to the McKinsey Quarterly, consumer-facing financial services, such as retail-banking, social technologies can help improve service delivery, reduce costs, and enhance the customer experience.
“Consumers are increasingly open to using these channels for easier, more transparent interactions with their financial institutions. New processes are surfacing across a sector often typified by organizational complexity, siloed personnel, and fragmented processes that stymie collaboration, innovation, and efficiency.”
Im Mittelpunkt des aktuellen Wochenrückblicks stehen die Themen Social Media, die Digitalisierung der Finanzbranche sowie die Entwicklung des Mobile Banking.
In all spheres of the banking industry, that one thing that is inherent in them all is the risk and coming challenges for banks – digital disruption. No matter on what topic of banking one discusses such as revamped branch banking or incorporating the voice of consumer and employee, in more ways than one he or she will actually refer to the digital disruption trend that is giving birth to many of those opportunities and challenges.
In all these years, it has already been witnessed, how digitally-driven industries can succumb to disruptions like television, newspapers and publishing. More, those same disruptions in some tangible ways have affected the financial industry as well – much earlier than anticipated. This has laid bare the fact that a lot of financial institutions are yet to prepare themselves for the scope and intensity of the impending disruptions.
It is a wellknown fact that the capability of IT is doubling in relation to its cost every year. It seems to be less wellknown what it means when something huge is doubling and doubling and.. (Ray Kurzweiler knows) for enterprises, the public sector and national economies.
For European enterprises – struggling with both cost and service capability in face of the Asian (cost) and American (capability) onslaught radical change should be on the agenda every day. Change means radically more digital elements in products, services, sales, marketing and administration.
Customers increasingly demand an omni-channel experience. Real banking examples start to emerge: not just a consistent cross-channel experience, but one driven by insights and powered by channel analytics. The leaders in the industry will start the convergence of mobile and online banking and build more linkages between the digital and physical channels. The laggers will unfortunately realize that the lack of multi-channel platform is an inhibitor and many will reinvest in multi-channel integration.