Will Banks Seize Their API Advantage?

With the rise of digital technologies and industry convergence in the Digital Disruption 2.0 era, it’s increasingly clear that anyone who wants to offer banking services can do so. To prepare for this new open environment, banks need to understand where people and organizations are obtaining financial services today and where they might tomorrow. The […]

Read More

With Automation, What Happens to the Humans?

Automation is clearly a two-edged sword. While applying automation, robotics and artificial intelligence capabilities to business processes can help businesses boost efficiency, quality and profitability, the resulting displacement of human workers can also inflict damage to the very fiber of the organization. Rather than focusing on how these technologies will replace humans, however, I prefer […]

Read More

What Does ‘Being Digital’ Mean to Life Sciences?

No matter the industry, “being digital” goes well beyond developing a few mobile apps, launching a Web portal or moving a system or application to the cloud. It actually means changing the core DNA of your company operations to propel new business growth and operational models. Successful life sciences companies will seamlessly blend physical and digital components, delivering […]

Read More

The Future of Bank Brands

The notion of a dramatically different banking future is not hard to conjure, considering how the digital generation operates, transacts and interacts. Projecting five or 10 years out, will customers explicitly choose to work with bank brands at all, or will they simply look for a financial solution and take their business to whoever offers […]

Read More

Navigating Uncertainty

The pace of technology change in the financial services industry has left many banks concerned that they will lag behind or miss out on fast evolving digital opportunities. In response, some are pursuing tactical projects involving digital technologies – what we call “doing” rather than “being” digital. When organizations “do digital,” they dive into digital […]

Read More

A Portfolio Approach to Banking’s Future

A pertinent question was asked during the Q&A following my remarks at the CEB Financial Services Summit in Boston earlier this year: With the pace and scope of Digital Disruption 2.0, should banks invest in automating legacy processes, or should they skip trying to rewire anything and go straight to establishing fintech partnerships? At this […]

Read More

Smart Services and the Promise of Superior Care

How will smart services and the next wave of high-tech gadgets bring new safety nets to seniors and ill patients living on their own? What factors are necessary to support both professional practice and patient care to meet the challenges of advanced health care systems with anticipated outcomes? Both payers and providers are looking into transformational care models […]

Read More

Artificial Intelligence Can Provide Real Payoffs

Artificial intelligence (AI) was a big deal back when I was in engineering school (which wasn’t just yesterday). Through the years, AI’s evolution has produced multiple hype cycles, followed by disillusionment. Today, in the time of Digital Disruption 2.0, AI’s ascent looks a bit different. It’s building on its foundation of machine learning and cognitive computing […]

Read More

Build Your Digital Store of the Future – Today

Shopping in the 60’s, 70’s and 80’s  Do you remember the good ol’ days of shopping at strip mall discount stores? The large parking lots, rows and rows of discounted goods (lit under fluorescent lights), linoleum tiles, and you could always count on a real-time, special deal announced over the PA system.  Blue Light Special, anyone? Sadly, many of […]

Read More