The Digital Insurer was pleased to talk about how to think digital and transform face -to-face bancassurance models in Asia.
visit the-digital-insurer.com for more information on the conference.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
Insurance Distribution Conference, 17th Jan 2008Mahavir Chopra
The Presentation was rolled in at the Insurance Distribution Conference at ITC Grand Maratha Sheraton. The presentation provides a detailed note and road map to the beginning of a multi-layered online Insurance distribution channel in India.
Retail banking refers to offering financial services and products related to deposits and assets to individual customers for personal use. Banks target different customer segments like professionals, housewives, pensioners, children, and salaried workers. They offer various products like recurring deposits, savings accounts, fixed deposits, credit cards, housing loans, and consumer loans. Retail banking provides opportunities for banks to cross-sell other retail products like credit cards, insurance, mutual funds, and demat accounts to depositors. It has become an important focus area for banks as falling interest rates leave retail banking as one of the only ways for banks to survive.
The Future of Retail Banking: Customized product offerings and self-service s...Zafin
With the best of intentions, banks often assume what customers want, push the wrong products and services, work in siloes and generalize. Banks tend to forget that their customers are human beings that evolve and so do their needs. Not everyone makes the same choice, so banks need to reflect this in their product offerings.
For banks to differentiate themselves and move forward, they need to allow customers and Relationship Managers to dynamically bundle products and services based on the customerās preferences. The more you bank with me, the more value we will provide in return.
Under a Product and Pricing Lifecycle Management (PPLM) model, create suitable products and product bundles based on customer or other data across lines of business and business units.
Presented by Zafinās Meenaz Sunderji, General Manager, Asia Pacific, at the 20th meeting of the World Savings and Retail Banking Instituteās (WSBI) Asia/Pacific Regional Group in Vietnam on May 21, 2014.
www.zafin.com
FWD Life Insurance Company launched an internal disruptor team called iFWD to change the way people feel about insurance using new technology and an agile development approach. iFWD quickly became the top direct and digital insurance distribution channel in Hong Kong by prototyping products rapidly based on online customer validation. iFWD disrupted consumer perception by ranking first in brand surveys and disrupted FWD's internal practices by digitalizing processes. They use precision marketing, innovative products like Savie savings insurance, partnerships, and work with regulators to push insurtech forward.
Asia Insurance Innovation Award 2017 - TAL & Qantas AssureThe Digital Insurer
Qantas Assure Life Insurance by TAL is a digital-first life insurance solution created through a partnership between Qantas and TAL to serve the growing self-directed consumer market. The platform allows customers to build their own personalized life insurance coverage through various modular product blocks online or through other channels. Customers are rewarded with Qantas points for purchasing coverage as well as engaging in healthy behaviors tracked through the Qantas Assure app. Since launching only 4 months ago, early results show high growth rates and positive customer feedback for this 100% digital multi-channel platform that aims to simplify the process of researching and purchasing life insurance.
Design Teams as connectors for organisational changeHarriet Wakelam
Financial services innovation is exploding in London however; there is the emergence of a two-speed innovation culture where banks and start-ups work together and against each other in an uneasy and sometimes volatile partnership. This talk shares the most exciting directions from the big smoke but also looks at the huge opportunities for the experience design skills of idea connection, cross-disciplinary action and collaboration. Find out how what you know is more valuable than you think.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Opportunities and challenges in Digital Banking pubYair Jacob Porat
The document discusses opportunities and challenges in digital banking. It outlines how embracing digital technologies can help banks in emerging markets boost their economies by $3.7 trillion over the next decade. However, banks face major challenges such as putting customers first, broadening their product suites, and increasing speed and agility. Future views suggest that regulations like PSD2 and GDPR will transform banking by ending banks' exclusive control of customer data and forcing partnerships with other companies. The real threats to banks are seen as technology giants like Google and Facebook entering financial services.
Presentation: Distribution Channels for Life Insurance, A Global PerspectiveIntelligo Consulting
Presentation at the 2nd Annual Life Insurance Forum, Amsterdam, 9-10 April 2014
- Bancassurance as a major distribution channel for life insurance
- Consumer research: distribution of protection-related life insurance in Europe
- The global market for creditor / creditor life insurance
AIA Edge is researching and understanding blockchain technology through creating a virtual blockchain studio and joining the R3CEV Blockchain Consortium. They are developing smart contracts for personal accident insurance and digital wills for AIA customers. AIA is also investigating using blockchain for collateral management with BNP Paribas and researching how health insurance contracts could be impacted.
Webcast Presentation - What's in your (e) Wallet? Transforming payments and t...GRUC
Payments and transactional services present multiple āmoments of truthā for demanding clients who are often interacting with us anytime and anywhere. For financial services organizations, the 24/7 nature of the industry and its intense competition have made innovation and optimization of these capabilities critical. Learn about the experiences of IBM clients in transforming their payments and transactional services with IBM Rational DevOps capabilities.
See how banks, brokerages and insurance firms are aligning the life cycles of legacy back offices with the agile sprints of the mobile payments development shops and value-added technology partners.
Presented by:
Bruce Baron, Financial Services Sector Offerings Leader, IBM
Bruce Baron serves as the Offerings Lead for IBM Rational for the Financial Services Sector. Bruce and his team set the strategy, define our offerings and work to drive a collaborative cross-functional team of sales, marketing, enablement and development in assisting clients with solving business issues by bringing to bear all product segments and IBM brands. Prior to IBM Rational Bruce was a Strategy Consultant to Financial Services clients and has years of client experience as an e-business and six-sigma consultant in Financial Services at GE Capital.
Peter Eeles, Financial Services Sector Industry Lead, IBM Rational Worldwide Tiger Team, IBM
Peter Eeles is Industry Lead for the Financial Services Sector in IBM Rational's Worldwide Tiger Team, where he helps organizations improve their software development and delivery capability. This is often in conjunction with an architecture-centric initiative such as SOA or strategic reuse, where Peter has particular in-depth knowledge. Peter comes from a delivery background and was previously Chief Architect of IBM Rational's Worldwide Solution Delivery organization. He is co-author of "The Process of Software Architecting" (2009), "Building J2EE Applications with the Rational Unified Process" (2002), and "Building Business Objects" (1998).
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
The document is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
Innovation and Transformation in Financial ServicesCertus Solutions
Historically, financial services firms have struggled to target and tailor their product offerings to the customer journey. Often only traditional demographic information ā gender, age, occupation ā is collected with no real insight as to what life stage a customer is in and how this could influence their financial activity.
To compete in a consumer-empowered economy, it is increasingly clear that financial services firms must leverage their information assets to gain a comprehensive understanding of markets, customers, channels, products, regulations, competitors, suppliers, employees and more.
The document provides an overview and case studies of omnichannel banking initiatives at four financial institutions:
1) Central Bancompany's Business Analyzer tool which integrates data across channels to provide personalized customer service.
2) Standard Bank of South Africa's Guided Sales Workbench which provides customized sales prompts to agents across channels.
3) UMB Bank's advisory-based service model which uses data and analytics to engage customers through the most appropriate channel.
4) Westpac's digital platform which offers a consistent customer experience across all digital channels and devices.
The document summarizes a presentation given by Clive Woodger on retail banking trends, challenges, and strategies. It discusses how customer needs and expectations are changing with digital technology, forcing banks to reinvent physical branches. Examples are given of innovative branch designs that create a customer-focused experience through interactive technology and personalized service. The presentation also examines new competitors in banking from retailers and digital-only banks.
AIA Present iPOS tablet toolkit at Transform 2015 ConferenceThe Digital Insurer
AIA are possibly the global leader in their use of tablet toolkits at the point of sale for life insurance. This short presentation gives a status update. Visit The Digital Insurer for more informaiton on the use of tablet toolkits in insurance and to join our community of professionals who are interested in the digital transformation of insurance
The Digital Insurer - Priviate presentation to Muang ThaiThe Digital Insurer
This document discusses digital transformation in the insurance industry in Asia. It begins with an overview of strategic perspectives on digital trends like the growing importance of data, changing consumer behavior, and new distribution models. It then examines what digital disruption looks like in insurance, including examples from banking. The document argues that while the industry is beginning to innovate, it still needs to move faster to adapt to the digital world and seize opportunities to transform products, distribution, and customer experience through new technologies. Large insurers are starting innovation programs, but independent InsurTech firms also pose competitive threats as they attract significant funding.
This document discusses the potential for bancassurance - insurance sales through banks - to grow substantially. It provides examples of successful bancassurance partnerships in India between insurance companies and two large banks: Bajaj Allianz Life Insurance partnering with Standard Chartered Bank and Syndicate Bank. The case studies describe the distribution models used, products sold, and financial results achieved, demonstrating that bancassurance can significantly increase banks' fee-based income and insurers' market penetration when implemented effectively.
The document discusses how digital technology is creating new frontiers for insurers. It outlines how digital channels will play an increasing role in sales and customer experiences can become more insight-based. It also discusses how roles like agents are changing and new ecosystems are forming. Case studies on companies like The Climate Corporation and peer-to-peer insurance models are provided. The document argues insurers must evaluate their IT systems, digitize customer relationships, and shift to algorithmic risk assessment to transition to the digital insurer of the future.
The document provides details about an event launching the iPoS app by AIA Insurance. It discusses the background of traditional insurance paperwork processes versus the new digital iPoS app. The event will be held in September in both Hanoi and Ho Chi Minh City, with 500 guests expected. The agenda includes an opening performance, speeches, a launching performance demonstrating the iPoS app, experiences using iPads, entertainment, and a lucky draw prize of iPads. Design elements like the venue, theme, and floor plan are also outlined.
Bancassurance refers to the distribution of insurance products through banks. In India, banks were first allowed to enter the insurance sector in 2002. There are three options for banks - a joint venture allowing risk participation, investment of up to 10% of net worth, or acting as an agent without risk participation. The IRDA guidelines require dedicated insurance executives, mandatory training, and allow banks to be agents of one insurer. Bancassurance provides advantages like revenue diversification, customer retention and access to new customers for banks, insurers and consumers.
Hugh Terry presented on digital insurance in Asia. Three major trends are driving change: technology is cheaper and easier to implement, data is more abundant and can power new business models, and consumers are more demanding. Insurers face disruption and need to transform existing models, create new models, or manage existing models. In Asia, opportunities exist to innovate in products, distribution, and customer experience through digital. Insurers must welcome multi-touch customers and leap ahead in digital product development to remain competitive. Leading insurers already have sizable digital workforces and are experimenting with innovation to transform.
The Digital insurer was pleased to present at IQPC claims & underrwriting conference in Singapore in September 2013. The presentation aimed to stress the important of tablet POS toolkits as a tool to transform agency distribution. In that context the opportuntiy for digital underwriting is then clarified.
The Digital Insurer managed Asia's largest article forum for professionals interested in digital insurance.
Listen to an experienced, global panel of insurance professionals present, discuss and answer your questions on the theme of āPeer-to-Peer Insurance & Communityā.
Brought to you by The Digital Insurer and sponsored by KPMG.
This document provides an overview of bancassurance, including its history and definitions. Bancassurance refers to the distribution and sale of insurance products through bank distribution channels. It began in Europe in the 1980s and provides benefits to both banks and insurance companies by expanding their customer bases and increasing fee income. The document discusses the regulatory requirements for bancassurance in India as well as some of the models, trends, and opportunities it provides.
Sohail Jaffer presented on the challenges and opportunities for bancassurance in the Middle East region. Some of the key challenges included the lack of a single market across countries, low customer awareness of insurance benefits, and price competition among insurers. Opportunities included utilizing different distribution channels to reach various customer segments, leveraging mobile technology, conducting customer needs surveys, and certifying insurance sales staff. The growing unfunded end of service gratuity liability and lack of retirement savings options also present opportunities for bancassurance partnerships to develop solutions.
The document outlines a roadmap to transform a property and casualty insurer's direct marketing strategy from a mass mailing approach focused on call center volume to a more data-driven and targeted strategy. It details challenges around expertise, data access, and key performance indicators. The proposed strategy focuses on building analytics capabilities, testing creative concepts, and optimizing mailings based on customer value. Key metrics like response rates, revenue, and cost per acquisition are improved. The client is able to grow their direct business significantly while lowering marketing costs over a two year period.
The 1:1 Experienceā¢ is a service offered by Fuji Xerox to enable companies to create a personal connection with customers, using the best of traditional CRM techniques combined with new marketing intelligence, all enabled with capabilities of high technology.
Combining targeted messaging based on customer profile and contextual information with an integrated multi-channel approach across web, print, SMS and social media platforms, the 1:1 Experience delivers increased ROI efficiency.
Think Digital : Transform your life insurance agency model in AsiaThe Digital Insurer
This presentation by The Digital Insurer was given at IDC conference in Singapore in September 2013.
It is a strategy for digital transformation and argues that tablet toolkits are the pivotal technology for that transformation to more digital and customer centric future.
Digital Thinking to unite sales and operations - LIMRA Bangkok 2015The Digital Insurer
Hugh Terry presented at the LIMRA conference on operating strategies in Bangkok on November 23-24, 2015. He discussed how digital thinking can unite sales and operations by making the customer the central focus. Customers now have digital expectations of always being connected, having access to information and each other through various devices. This multi-channel experience means customers use multiple touchpoints for both sales and service. Digital is transforming the insurance industry and how customers research and purchase policies across online and offline channels.
Digital thinking to transform face-to-face insurance in Asia by Hugh TerryThe Digital Insurer
These are the slides presented by The Digital Insurer at the Insurancecom conference in HK at the Ritz Carlton on 2nd December 2014.
The theme of the conference was profitable strategies for growth in 2015 and this presentation focuses on the opportunity to use digital thinking and trends to create Agency 2.0 and Banca 2.0 models
This document discusses the changing landscape of customer relationship management (CRM) and marketing due to increasing digital connectivity and data availability. It notes that consumers now have more information and influence over brands, which has disrupted traditional marketing models. It advocates for a focus on deep customer understanding, personalized engagement, seamless experiences, and predictive analytics including artificial intelligence. The document provides several examples of companies that have successfully implemented more advanced CRM strategies at scale to improve customer experience and business results.
An overview of how digital is transforming the Insurance Industry. With a case study from Nest, the UK Government's pension auto enrolment scheme on how they are embracing digital and innovation to attain strategic objectives.
Our second #SocialBreakfast at Your Social Agency about social care and customer centric strategies.
How to turn your business socially matured. This was the topic of our social breakfast workshop where banks, insurances, FMCG, retail and real estate participated presented by Victor Madueno and Your Social agency. Maturity models help businesses plan their digital transformation within digital and social, by applying new business and organisational models.
Your Social is a strategic and creative social agency, with offices in Breda (NL) and Dubai (UAE) part of Oxyma Group.
Marketing Program Overview_Sal A _2012 v2.1Sal Abramo
The document provides an overview of Trend Micro's 2012 field marketing program. It discusses distributing marketing efforts across thought leadership, market awareness, lead generation, and relationship building. It outlines tactics for each area including events, content creation, social media, and demand generation programs. Measurement metrics are also proposed to track the success of the various initiatives.
Todayās client is smart and getting smarter by the minute. From virtually anywhere, they can find out about you, your firm, your competitors, whether your clients are happyāand most importantly, with a mere 140 characters, they can impact your brand.
ā¢ Today, law firms must face the reality of super consumers. They are unbelievably informed, highly fickle, and extremely powerful with a nearly unpredictable purchase path.
ā¢ They have unprecedented access to information, the ability to easily compare firms, fees or feedback in a matter of clicks, access to reviewsāwhether from a trusted confidant, highly rated industry source, or someone merely taking to their social network to make their experience known.
ā¢ And they can easily do the sameājoining the social conversation with their experience and recommendation to others ā giving a ālikeā, āthumbs upā, happy face, or not, and with a click of the button can make an impression on your brand.
ā¢ Everyone has probably heard the United Breaks Guitars story; it epitomizes the challenge firms face ā each individual now has a powerful voice. In this example, United Airlines was unresponsive to a passengerās complaints that his guitar was broken by negligent baggage handlers (he actually saw them throwing his beloved instrument through the air as he was waiting to deplane). This treatment lead him to record a song about his experience that he posted on YouTube. Over 12 million views later, this YouTube sensation has written a book on the very topic of how powerful one voice can be in the age of social media.
Digital Transformation and the Marketing ProfessionalMatthew W. Bowers
Defining and understanding digital transformation and the marketing role. How can marketing drive transformation? what are the tasks, strategies and things that can help.
The explosion of the social conversation along with the proliferation of mobile technology has changed our lives, more than we ever could have imagined.
The explosion of mobile technologies and rapid adoption of social networks have completely impacted our human behavior -- our communication methods, engagement principles, our belief and trust systems, and even our decision making criteria and models.
Firms need to understand these new principles and adopt them -- genuinely and proactively -- if they want to effectively engage clients.
How has the client changed and why does your firm need to reflect this? Because your success will depend on it, and so will your identity.
Todayās buyer is smart and getting smarter by the minute. From virtually anywhere, they can find out about you, your services, your competitors, whether your clients are happyāand most importantly, with a mere 140 characters, they can impact your brand.
Today, firms must face the reality of super consumers. They are unbelievably informed, highly fickle, and extremely powerful with a nearly unpredictable purchase path.
They have unprecedented access to information, the ability to easily compare fees, costs or services in a matter of clicks, access to reviewsāwhether from a trusted confidant, highly rated industry source, or someone merely taking to their social network to make their experience known.
And they can easily do the sameājoining the social conversation with their experience and recommendation to others ā giving a ālikeā, āthumbs upā, happy face, or not, and with a click of the button can make an impression on your brand.
It is no surprise then that firms who wish to remain competitive in this new age are concentrating their efforts on creating amazing client experiencesā¦
Our mission is to transform business through contextual technologies. We have 185 employees, are recognized as a top digital firm and best place to work. We design apps for large brands, with over 200 apps and 29 million downloads. We focus on user-centered service design to address customer pain points across physical and digital touchpoints. Successful digital solutions extend a company's core competencies to create new revenue streams through connected physical-digital experiences.
Cisco webinar serving the connected customergarycoville
This is a presentation delivered by Cisco and eGain in January 2015 focused on how to deliver the Total Customer Experience through an omni-channel solution
Surfing the Big Data waves - Don't forget your brandingbpost
The document discusses new trends in marketing driven by big data sources like social media, mobile sensors, and digital data. It emphasizes that companies must adapt their marketing strategies to make use of diverse data sources and provide personalized, omni-channel experiences to customers. Several challenges are also discussed, such as how to gain customer trust in banking, engage patients in healthcare, and differentiate in retail through mobile and online experiences.
The Digital Advisor - Using technology to improve an advisory sales process f...The Digital Insurer
This presentation was presented by Hugh Terry of The Digital Insurer. It covers how to "digitally enable" a life insurance sales force (agents or bancassurance) to take advantage of new technologies
1) bizrec is accounting software designed for small businesses that want simplicity over complex functionality. It aims to provide core accounting needs like bank statement uploads, expense tracking, and reporting in a hassle-free way.
2) The target market is the 58 million small businesses globally, especially the 30.2 million one-person businesses that typically have straightforward accounting needs. bizrec sees an opportunity to offer affordable, easy-to-use software to these customers.
3) The document outlines bizrec's product, team, traction to date, design principles, customer research, pricing plan, and commercial launch roadmap. It is seeking funding to support ongoing development and marketing efforts.
Learn more about changes in customer experience and new ways to approach digital experience by Embitel's Digital Experience Head, Mr. Manish Narayan. Know about how Embitel is pioneering ahead in digital experience.
Providing exceptional customer experience and bringing innovations in digital experience is Embitel's principal goal always. Check out this exclusive interview of Embitel's Digital Experience Head, Mr. Manish Narayan talk about Embitel's upcoming goals and changes in customer experience and digital experience.
Accelerating Customer Insights & enhancing Business impactAjay Kelkar
How do you convert data into insight and then use that to drive business impact. Here are some lessons from my experience in HDFC bank and also as an entrepreneur at Cequity
Best Practices in Business Innovation: Business Models Changing the Landscape...Aggregage
Companies these days cannot afford to stand still!
Cheryl Perkins, Founder and President of Innovationedge and a visionary business leader, will share best practices of companies who are defining and implementing new business models. These models are used to create new pathways to value and deliver growth in todayās business climate. She will lead you on a journey through business model basics and describe how companies are taking innovation strategy to the next level, while tackling the current challenges of talent management and innovation fatigue.
Similar to The Digital Insurer speaks at AIA's inaugral bancassurance seminar (20)
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When is the airdrop?
TapSwap has confirmed that an airdrop will occurāin fact, the welcome screen reads, āThe majority of TapSwap Tokens (TAPS) distribution will occur among the players here.ā
At launch, TapSwap offered a Solana wallet integration, but the recent announcement to release the token on TON comes as no surprise given the success of Notcoin and the fact that Hamster Kombat is also building on the network.
In early May, the TapSwap team announced the impending launch of TapSwap Pools, with an expected launch date of May 30ābut recently announced that due to an influx of bots attempting to farm airdrop points, that theyād be delaying the launch until July 1.
But ultimately, TapSwap announced on July 1 that it was taking more time to shape the tokenomics amid conversations with "tier 1 exchanges" about the token launch. As a result, the airdrop launch target is now sometime in Q3, which lasts through the end of September.
"This is all to ensure that our launch in Q3 is fair and, more importantly, profitable for all of you who stand by us no matter what," TapSwap tweeted.
But "Meanwhile, if you don't have the patience to wait for Tapswap official launch..,there's an even bigger opportunity you don't want to MISS...š„ you can literally profit right now!...šÆ and the best part is that it's not a crypto airdrop, mining or anything that requires you tapping or investing your time, energy and money.
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It's a secret crypto giveaway "NO" one is talking about.
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Immediately you enter the website click the "Learn>>>" button at the top of the first page
you'll be directed to the giveaway section.
Here is a 4 step process you can follow to successfully benefit.
Step 1: put your BNB wallet address, in other to receive the BNB reward.
Step 2: share to 5 friends, you need to invite your friends to join the giveaway š
Step 3: Withdraw BNB š°, at this point for you to get the free BNB you must "verify" by completing a simple survey or a sign up it depends on your region, the purpose of doing this is to actually know if youāre a human or robot, once done successfully you will get the BNB reward instantly to your crypto wallet.
BONUS TIP
To increase your chance getting the BNB reward I advise you should also join their community.
Also note the BNB reward may take a while before it arrive š
Thanks for reading...š
Also SUBSCRIBE to our free NEWLETTER for more updates, we will be doing a free giveaway of $30,000 to new members so stay tuned!...š¤š
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Thanks again..š
Yescoin - TON Wallet Connection Step-by-step Tutorial
1. Open the Yescoin mini-program and click on the "Earn" button to enter the task interface.
2. Click to initiate the brand-new wallet connecting task.
3. In the pop-up window, click on "Wallet Connect"
4. Click the "Open Wallet in Telegram " button
5. Select "I agree to the terms of use" and click "continue" button
6. If you haven't used a wallet before, Telegram will automatically create one for you. once it's created, click
7. Click the "continue button", wait for a moment, and then click the"Connect Wallet" button.
8. Congratulations! You have now completed the wallet connection, click to return, and you will earn the points.
For more better understanding you can download PDF šļø for Free.
The official launch date for Yescoin has not been announced yet. Currently, the project is in the Telegram airdrop mining phase, focusing on building a strong community.
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It's a straight forward process and you can do it within minutes and get your own piece of the cake...š°
It's a secret crypto giveaway "NO" one is talking about.
I got $200 worth of BNB token From this crypto giveaway update in less than 24hrs here is how you can participate and earn today.
Go over to your browser now! and search š for "dailytrend247.com", itās a legit crypto blog that is currently doing a secret crypto giveaway, Go check it out trust me, itās šÆ legit and very easy to Join. ššš
Immediately you enter the website click the "Learn>>>" button at the top of the first page
you'll be directed to the giveaway section.
Here is a 4 step process you can follow to successfully benefit.
Step 1: put your BNB wallet address, in other to receive the BNB reward.
Step 2: share to 5 friends, you need to invite your friends to join the giveaway š
Step 3: Withdraw BNB š°, at this point for you to get the free BNB you must "verify" by completing a simple survey or a sign up it depends on your region, the purpose of doing this is to actually know if youāre a human or robot, once done successfully you will get the BNB reward instantly to your crypto wallet.
BONUS TIP
To increase your chance getting the BNB reward I advise you should also join their community.
Also note the BNB reward may take a while before it arrive š
Thanks for reading...š
Also SUBSCRIBE to our free NEWLETTER for more updates, we will be doing a free giveaway of $30,000 to new members so stay tuned!...š¤š
newsletter.page/crypto24
Thanks for your time. And have a nice day. Meldin cares.
Hopefully I will work you through a short process to follow in other to ensure the safety of your hamster kombat token's š¹
Step 1: Earn money on Hamster Kombat
Step 2: Accumulate money
Step 3: Verify your account on the crypto exchange that is already connected with Hamster Kombat
Step 4: Navigate to the withdrawal section on the exchange (only after listing HMSTR here)
Step 5: Choose your withdrawal method
Step 6: Enter withdrawal details
Step 7: Confirm withdrawal request
Step 8: Wait for processing
"Meanwhile, if you don't have the patience to wait for Hamster Kombat's official launch...š¹, there's an even bigger opportunity you don't want to MISS...š„ you can literally profit right now!...šÆ and the best part is that it's not a crypto airdrop, mining or anything that requires you tapping or investing your time, energy and money.
It's a straight forward process and you can do it within minutes and get your own piece of the cake...š°
It's a secret crypto giveaway "NO" one is talking about.
I got $200 worth of BNB token From this crypto giveaway update in less than 24hrs here is how you can participate and earn today.
Go over to your browser now! and search š for "dailytrend247.com", itās a legit crypto blog that is currently doing a secret crypto giveaway, Go check it out trust me, itās šÆ legit and very easy to Join. ššš
Immediately you enter the website click the "Learn>>>" button at the top of the first page
you'll be directed to the giveaway section.
Here is a 4 step process you can follow to successfully benefit.
Step 1: put your BNB wallet address, in other to receive the BNB reward.
Step 2: share to 5 friends, you need to invite your friends to join the giveaway š
Step 3: Withdraw BNB š°, at this point for you to get the free BNB you must "verify" by completing a simple survey or a sign up it depends on your region, the purpose of doing this is to actually know if youāre a human or robot, once done successfully you will get the BNB reward instantly to your crypto wallet.
BONUS TIP
To increase your chance getting the BNB reward I advise you should also join their community.
Also note the BNB reward may take a while before it arrive š
Thanks for reading...š
Title: Cue banks Success Story: A Simple Guide to Profitable Trading
_Rating:_ 5/5 āāāāā
_Review:_
Want to make money trading Forex like cue banks? He's a successful trader who uses a special book called the ForexGod e-book to get accurate trading signals. And the best part? It's easy to follow, even if you're new to trading!
_Cue banks Results:_
- He makes consistent profits every month (around 80% returns!)
- He gets precise signals to buy or sell currencies
- He manages risk like a pro, so he doesn't lose too much money
_Cue banks Says:_
"The ForexGod e-book is super helpful! It's like having a personal trading coach. I follow the strategies and signals, and it's made a huge difference in my trading."
_What You'll Get:_
- A simple, step-by-step guide to trading Forex
- Accurate signals to help you make profitable trades
- Tips on managing risk, so you don't lose too much money
_Conclusion:_
Cue banks success shows that anyone can trade Forex profitably with the right tools. The ForexGod e-book is perfect for beginners or experienced traders who want to improve their skills. Try it today and start making money like cue banks!
_Recommendation:_ Get your copy of the ForexGod e-book now and start trading like a pro!
If you need more details about the ForexGod trading Ebook, you can message them on Whatsapp to get immediately / direct access šš
+447453751787
Or visit their official website š
https://forexgod.pro/
"Grab your own copy today š!"
Highly recommended šÆ
Also SUBSCRIBE to my free NEWLETTER for more updates, I will be doing a free giveaway of $30,000 wthin the next 3 days...š¤š
newsletter.page/crypto24
#forex #trading #technicalanalysis #crypto #E-book #profit #legit.
Monthly Market Risk Update: July 2024 [SlideShare]Commonwealth
Solid earnings growth supported equity markets in June, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
How to withdraw TapSwap coins to your Wallet
When youāre ready to cash in, here's how you can withdraw your TapSwap coins:
1. Make sure you've accumulated enough Taps tokens through the Telegram bot.
2. Wait for Launch and check the swap rates. Once launched, convert your Taps tokens to official Tap ($TAP) tokens on the Solana blockchain.
3. Move your $TAP tokens to your compatible Solana wallet for safekeeping.
Q: When will TapSwap launch?
A: There are unconfirmed reports that the projectās token will be launched on May 30 but still yet they didn't, so stay updated.
"Meanwhile, if you don't have the patience to wait for the Tapswap official launch..., there's an even bigger opportunity you don't want to MISS...š„ you can literally profit right now!...šÆ and the best part is that it's not a crypto airdrop, mining or anything that requires you tapping or investing your time, energy and money.
It's a straight forward process and you can do it within minutes and get your own piece of the cake...š°
It's a secret crypto giveaway "NO" one is talking about.
I got $200 worth of BNB token From this crypto giveaway update in less than 24hrs here is how you can participate and earn today.
Go over to your browser now! and search š for "dailytrend247.com", itās a legit crypto blog that is currently doing a secret crypto giveaway, Go check it out trust me, itās šÆ legit and very easy to Join. ššš
Immediately you enter the website click the "Learn>>>" button at the top of the first page
you'll be directed to the giveaway section.
Here is a 4 step process you can follow to successfully benefit.
Step 1: put your BNB wallet address, in other to receive the BNB reward.
Step 2: share to 5 friends, you need to invite your friends to join the giveaway š
Step 3: Withdraw BNB š°, at this point for you to get the free BNB you must "verify" by completing a simple survey or a sign up it depends on your region, the purpose of doing this is to actually know if youāre a human or robot, once done successfully you will get the BNB reward instantly to your crypto wallet.
BONUS TIP
To increase your chance getting the BNB reward I advise you should also join their community.
Also note the BNB reward may take a while before it arrive š
Thanks for reading...š
Today, economic stability requires the availability of logistics for foreign trade, especially for exports. This is what the business reports in the monthly IER business tendency survey. Thanks to the work of the Ukrainian Sea Corridor, exporters of not only grain, but also iron ore and metallurgy products, can meet the demand for their products abroad. IER experts have written more on this in the July issue of the External Trade Monitor.
The Monitoring provides an analysis of June trends in the country's exports and imports, which can be useful for business and experts. This issue highlights changes in exports of major commodity groups, such as agricultural products, steel products, and mineral resources, and analyzes the impact of problems with the access to logistics and energy on external trade. Key aspects of imports were also considered, in particular an increase in imports of machinery and equipment, energy products and goods for the needs of the Armed Forces of Ukraine.
The policy in the field of external trade is changing very dynamically both in Ukraine and in other countries. That is why exporters and importers should regularly analyze these changes. Some changes include the further implementation of free trade zones, which provides for the liberalization of markets for services, not just goods.
In this issue of the Monitoring, experts also outlined about the rules of international public procurement, which can provide Ukrainian businesses with a possibility to expand the markets for the supply of their goods and services. In particular, this is facilitated by Ukraine's participation in the WTO GPA since 2016.
This issue will become an source of information for those who want to keep abreast of current changes in the field of external trade and effectively plan their activities.
This report became possible due to the support of the American People through the United States Agency for International Development (USAID) under the Competitive Economy Program in Ukraine.
Daniel I. Carrasco Unravels Alleged $1.5M Fraud Scheme 2024nathaniel leonard
Explore the intricate details of a $1.5M fraud scheme allegedly orchestrated by Daniel I. Carrasco and associates, promising lucrative returns through documentary letters of credit. Delve into the mechanics of the scheme, its impact on victims, and ongoing legal actions in this compelling expose of high-stakes investment deception.
Title: The alpha trader Success Story: A Simple Guide to Profitable Trading
_Rating:_ 5/5 āāāāā
_Review:_
Want to make money trading Forex like alpha trader? He's a successful trader who uses a special book called the ForexGod e-book to get accurate trading signals. And the best part? It's easy to follow, even if you're new to trading!
_The alpha trader Results:_
- He makes consistent profits every month (around 80% returns!)
- He gets precise signals to buy or sell currencies
- He manages risk like a pro, so he doesn't lose too much money
_The alpha trader Says:_
"The ForexGod e-book is super helpful! It's like having a personal trading coach. I follow the strategies and signals, and it's made a huge difference in my trading."
_What You'll Get:_
- A simple, step-by-step guide to trading Forex
- Accurate signals to help you make profitable trades
- Tips on managing risk, so you don't lose too much money
_Conclusion:_
The alpha trader success shows that anyone can trade Forex profitably with the right tools. The ForexGod e-book is perfect for beginners or experienced traders who want to improve their skills. Try it today and start making money like Alpha_Traders!
_Recommendation:_ Get your copy of the ForexGod e-book now and start trading like a pro!
If you need more details about the ForexGod trading Ebook, you can message them on Whatsapp to get immediately / direct access šš
+447453751787
Or visit their official website š
https://forexgod.pro/
"Grab your own copy today š!"
Highly recommended šÆ
Also SUBSCRIBE to my free NEWLETTER for more updates, I will be doing a free giveaway of $30,000 wthin the next 3 days...š¤š
newsletter.page/crypto24
#forex #trading #technicalanalysis #crypto #E-book #profit #legit.
Tapswap launch date - what all miners need to know!CRYPTO SPACE šŖ
This is the second time the Tapswap team has postponed the token launch date and this time around there was no specific date given. The Token launch was previously slated for May 30 2024 and was postponed to July 1st 2024 which also didn't launch.
The Tapswap team has now come out to say that the Token launch will happen in Q3 of 2024 which is a time frame of July 1st to September 30.
In their defence, the Tapswap team cited the massive success of the entire crypto project and stressed the need to get the tokenomics right with the right launch strategy.
Tapswap is currently the second most popular Telegram-based Clicker game with millions of users globally.
"Meanwhile, if you don't have the patience to wait for Tapswap official launch..., there's an even bigger opportunity you don't want to MISS...š„ you can literally profit right now!...šÆ and the best part is that it's not a crypto airdrop, mining or anything that requires you tapping or investing your time, energy and money.
It's a straight forward process and you can do it within minutes and get your own piece of the cake...š°
It's a secret crypto giveaway "NO" one is talking about.
I got $200 worth of BNB token From this crypto giveaway update in less than 24hrs here is how you can participate and earn today.
Go over to your browser now! and search š for "dailytrend247.com", itās a legit crypto blog that is currently doing a secret crypto giveaway, Go check it out trust me, itās šÆ legit and very easy to Join. ššš
Immediately you enter the website click the "Learn>>>" button at the top of the first page
you'll be directed to the giveaway section.
Here is a 4 step process you can follow to successfully benefit.
Step 1: put your BNB wallet address, in other to receive the BNB reward.
Step 2: share to 5 friends, you need to invite your friends to join the giveaway š
Step 3: Withdraw BNB š°, at this point for you to get the free BNB you must "verify" by completing a simple survey or a sign up it depends on your region, the purpose of doing this is to actually know if youāre a human or robot, once done successfully you will get the BNB reward instantly to your crypto wallet.
BONUS TIP
To increase your chance getting the BNB reward I advise you should also join their community.
Also note the BNB reward may take a while before it arrive š
Thanks for reading...š
Title: Adam Khoo Success Story: A Simple Guide to Profitable Trading
_Rating:_ 5/5 āāāāā
_Review:_
Want to make money trading Forex like Adam Khoo? He's a successful trader who uses a special book called the ForexGod e-book to get accurate trading signals. And the best part? It's easy to follow, even if you're new to trading!
_Adam Khoo Results:_
- He makes consistent profits every month (around 90% returns!)
- He gets precise signals to buy or sell currencies
- He manages risk like a pro, so he doesn't lose too much money
_Adam Khoo Says:_
"The ForexGod e-book is super helpful! It's like having a personal trading coach. I follow the strategies and signals, and it's made a huge difference in my trading."
_What You'll Get:_
- A simple, step-by-step guide to trading Forex
- Accurate signals to help you make profitable trades
- Tips on managing risk, so you don't lose too much money
_Conclusion:_
Adam Khoo success shows that anyone can trade Forex profitably with the right tools. The ForexGod e-book is perfect for beginners or experienced traders who want to improve their skills. Try it today and start making money like Adam Khoo!
_Recommendation:_ Get your copy of the ForexGod e-book now and start trading like a pro!
If you need more details about the ForexGod trading Ebook, you can message them on Whatsapp to get immediately / direct access šš
+447453751787
Or visit their official website š
https://forexgod.pro/
"Grab your own copy today š!"
Highly recommended šÆ
Also SUBSCRIBE to my free NEWLETTER for more updates, I will be doing a free giveaway of $30,000 wthin the next 3 days...š¤š
newsletter.page/crypto24
#forex #trading #technicalanalysis #crypto #E-book #profit #legit.
Title: Ahikyirize Daniel Success Story: A Simple Guide to Profitable Trading
_Rating:_ 5/5 āāāāā
_Review:_
Want to make money trading Forex like Ahikyirize Daniel? He's a successful trader who uses a special book called the ForexGod e-book to get accurate trading signals. And the best part? It's easy to follow, even if you're new to trading!
_Ahikyirize Daniel Results:_
- He makes consistent profits every month (around 80% returns!)
- He gets precise signals to buy or sell currencies
- He manages risk like a pro, so he doesn't lose too much money
_Ahikyirize Daniel Says:_
"The ForexGod e-book is super helpful! It's like having a personal trading coach. I follow the strategies and signals, and it's made a huge difference in my trading."
_What You'll Get:_
- A simple, step-by-step guide to trading Forex
- Accurate signals to help you make profitable trades
- Tips on managing risk, so you don't lose too much money
_Conclusion:_
Ahikyirize Daniel success shows that anyone can trade Forex profitably with the right tools. The ForexGod e-book is perfect for beginners or experienced traders who want to improve their skills. Try it today and start making money like Ahikyirize Daniel!
_Recommendation:_ Get your copy of the ForexGod e-book now and start trading like a pro!
If you need more details about the ForexGod trading Ebook, you can message them on Whatsapp to get immediately / direct access šš
+447453751787
Or visit their official website š
https://forexgod.pro/
"Grab your own copy today š!"
Highly recommended šÆ
Also SUBSCRIBE to our free NEWLETTER for more updates, we will be doing a free giveaway of $30,000 to new members so stay tuned!...š¤š
newsletter.page/crypto24
#forex #trading #technicalanalysis #crypto #E-book #profit #legit.
2. Discussion Agenda
Strategic context
Digital ā it is a revolution
The Digital Advisor ā¦. The new āfaceā of life insurance
sales
Getting into the details
Tablets point of sales toolkits are pivotal for success
Bancassurance transformation challenges
Q&A Session
3. The Digital Revolution:
āIt will not be televisedā
Digital
Convenience
ā¢
ā¢
ā¢
ā¢
Always on
Always there
Universal
Almost free
Digital
Connectivity
ā¢ Access to
information
(Google)
ā¢ Access to each
other (Facebook)
ā¢ Access through
devices (Apple)
ā¢ Location-agnostic
(cloud services)
Change, Change, Changeā¦.
Digital
Expectations
ā¢ Data āon demandā
ā¢ Desire for clarity &
simplicity
ā¢ Dialogue not
monologue
ā¢ Easy to promote a
product .. and
complain
4. Two digital āMegaā trends :
Forces beyond anyoneās control
1. Technology is cheaper and
easier to implement than ever
ā it is the fulcrum to meet
consumer needs, reduce
operating costs and to
change your culture
2. Changing consumer
behaviour ā they are
demanding and seek a
different experience
6. Welcome to Digital Customers:
āThey are hybridā
Myth #1: Digital is a new distribution channel
Reality : Digital enables customer (& distributor) engagement
Online
The Hybrid
Customer
Face
To
Face
Phone
The hybrid customer isā¦
ā¢ Better informed
ā¢ More demanding
ā¢ āMulti-channelā for both sales &
services
ā¢ Will jump channels at any point ā
catch them if you can!
7. Bancassurance Audit:
x
Where are we now?
Strengths
ā¢
ā¢
ā¢
Leverage customer
banking relationships
Utilise physical
infrastructure
Insurance is a logical
product extension to bank
products
The Customer Centricity Challenge
ā¢
ā¢
ā¢
ā¢
Result : higher productivity &
generally higher quality
business than life agency
distribution
ā¢
Fee driven models: are the norm.
After sales service limited to basics
transactions ā where is the cross-sell
opportunity?
How well do RMās really know their
customers? Or are they product
pushers?
āTraditionalā Tele-marketing ā
regulatory tightening to continue
Insurance Product can be driven by
wealth managers product bias ā
short term and investment focused
ā¦. and what happens when we factor in digital trends?
8. Anchored to basics : Digital Bancassurance
strategies need to leverage insurance fundamentals
Current Bancassurance
Paradigm
Trust is at
the heart of
insurance
Rely on Bank brand
Relationship managers
leverage trust already placed in
the bank
Digital Impacts
As customers research on-line
trust will need to be developed
and leveraged on-line
Trust must be earned and
reinforced in every interaction
Great
insurance
advisors always in
demand
Bank RMās ā insurance
advisors. RMās have natural
bias towards investment
products
For mass market not really a
personal relationship ā order
taking and closing the sale
When customers research online
they will research their advisors as
wellā¦.
Less time face-to-face ā but no
less important
Insurance advisors need to be
more mobile (digitally & physically)
Customer
service
matters
Little emphasis on customer
service after the sale is closed
Back office is ā¦ back office
Mobile technology provides
opportunities for cost effective
customer service differentiation
Customer will expect this ā a
hygiene factor very soon
9. Digital Bancassurance:
3 Opportunities
1. Generate more leads
2. Improve customer service &
engagement
3. Improve face-to-face sales
processes
Combining all three = The āDigital Advisorā Business Model
10. The Digital Advisor
Business Model
Customer
Portal / App
Sales
Opportunities
Policy Systems
Tablet
Lead / Prospect
Management
Advisor
Portal
11. 1. More Leads
Fewer and fewer customers will go to the bank branch
ā¢
ā¢
Sales
Opportunities
ā¢
ā¢
ā¢
Co-partnership Customer lead
models for
generation
Portal / App
Apps to generate leads from the ādigital
cafesā
Analytics has an enormous role to play
Get the lead to the right person at the
right time
Policy systems to
Lead management Systems manage
multiple leads , measure ROI and
promote better practices
Business outcome:
- More leads
Tablet
- Better quality leads
Lead / Prospect
Management
Advisor
Portal
12. 2. BUILD A āDIGITAL ECO-SYSTEMā
AROUND LEGACY POLICY SYSTEM TO
TREAT CUSTOMERS LIKE CUSTOMERS
2. Better Service
ā¢
Customer portal/app: An on-line
marketing capability for customer
engagement leading to cross sell / up sell
opportunities
Customer
Portal / App
ā¢
Customer experience centre: Multi
channel customer support to connect
Advisor Generated
customer interactions ā a digitally assisted
Leads
customer service revolution (the engine
room for converting ādata into businessā)
Customer Experience Centre
ā¢
Policy Systems
Advisor portal: Customer data and
advisor performance at your finger tips
Business outcome:
-
Building deeper, richer and better
relationships with customers and advisors
Lead Generator /
Facilitate and co-partners the advisors to
Prospect Management
better meet customer needs
Allow āfarmingā as well as āhuntingā
Advisor
Portal
13. 3. Improved Selling
Customer
Portal / App
Sales
Opportunities
3. āconnecting
the eco systemā
Policy Systems
Tablet
Lead / Prospect
Management
Advisor
Portal
14. Tablet sales toolkits : Will be ābusiness as
usualā in most markets within 5 3 years
Tablet Functionality:
Should be focused on the customer
1.
2.
3.
4.
Present credentials (materials)
Identify needs
Produce quotes and help to close
Easy proposal submission
Usability is the Key Success Factor
ā¢
ā¢
ā¢
Must be designed for advisors to connect with customers
Easy to use with a āwowā factor that encourages use with clients
Great usability is critical: engage/delight customers & advisors
15. Usability = function plus form
Quote Output: graphical display option with
premium iteration to facilitate closing
Easy iteration on
premium to
help sales closing
16. POS Tablet sales toolkit : Easy business case
OTHER BENEFITS AFTER SUCCESS
PRIMARY BENEFIT
Improved Sales
effectiveness through
a better customer
experience
1.
2.
Enable lead analytics / Predictive analysis
Improved compliance to sales best practice
(& regulatory requirements)
3.
Back office productivity from digital
proposals
More efficient
Faster & more accurate (clean policies in a day)
MEASURED BY :
High tablet usage from
Advisors
Increased sales
productivity per month
4.
5.
Reduced overheads: premises &
technology costs
Business intelligence
Benchmarking data
Usage data
āBiggerā data
6.
7.
Recruitment training (and hiring) tool
Platform for more automated underwriting
17. Independent Case Study:
AIA Point of Sales Tablet Toolkit
iPoS Interactive Point of Sales
Video interview
(to insert movie file here)
18. 3 Key success factors Broad POS functionality delivered with offline regional platform
1. Off-line model
2. Broad set of Functionality
ā¢ 100% availability
ā¢ āAny time, Anywhereā
ā¢ Advisor ādigital briefcaseā
3. AIAās Regional Journey
1. Year 2012: Initial Rollout in Singapore
2. End of 2013: Rollout in 9 countries (2 to go)
ā¢
Singapore, Malaysia, Indonesia, Thailand, Philippines, Sri Lanka, Vietnam,
Hong Kong, Taiwan
3. 2014 first bank partner moves to 100% tablet sales
19. Usability = function plus form
āThe Dialā
Easy, fast, fun
& professional
needs analysis
20. Initial results:
Results exceeding expectations
High Usage
If AIA could do it again
% of Advisors actively using iPoS
100%
75%
Country A
Country B
Country C
Country D
50%
25%
0%
Oct 12
Jan 13
Apr 13
Jul 13
Increased Productivity
Average increase in ANP*
Country B
+16%
Country C
+54%
Country D
+64%
*iPoS advisor versus non-iPoS advisor
āI would not do much
differently. iPoS is very
successful in the way we
manage it, continuously
improve it and roll it out.
However, we were initially
overwhelmed by the
success of iPoS and
didnāt have enough scale
and capacity to roll it out
to the countries. Next time
I would react quicker and
be more decisive on
adding manpower to such
a program.ā
AIA Director leading the
development
21. Reality check: In practice, Digital Advisor models
for bancassurance are complicated
1.
Who builds & controls the technology?
2.
How long-term is the bank/insurer relationships?
How closely are the bank and insurer aligned?
3.
Who does the selling? Wealth Manager or
dedicated insurance advisor? (Latter is easier to transform)
4.
How many insurance partners does the bank haveā best in class / āopen
architectureā, tied or broker model?
5.
Can you navigate the security & governance maze - X2 (bank + insurer)?
Easiest starting point for digital transformation : exclusive
relationship using dedicated Insurance specialists with technology
provided by the insurer
22. Are you ready? 3 Pre-conditions for Success
1. Willing to mine and share data ā āProvide access with due careā
2. Co-operative & long term partnership where both bank and
insurer compromise and learn from each other ā and both invest
for success
3. Prepare for hard work: No easy paths when it comes to
technology implementation
ā¢ No āone sizeā fits all
ā¢ No magic wand
22
23. Concluding: āBusiness as usualā is a dangerous path
for bancassurance operations
Be radical
Now is the time to embrace change and start building digital models.
Be Cautious
You donāt need to ābet the bankā. Learn from fast and strategically well
thought our pilot projects (e.g. POS tablets and lead analytics). Find
people with the skills to transform
Beware
If you donāt utilise digital thinking, plenty of others will.