Digital Transformation: Less about Digital, More about Humans

Businesses are at varying stages of their digital transformation journeys, whether they’re at the forefront of innovation and setting the trends for their respective industries, or just now embarking. These businesses are driving digital throughout the enterprise, with a relentless commitment to rethink every asset, process, product, service and architecture within it. With digital interest […]

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The Make-or-Break Factor for Digital Success in Europe

If you’ve read my previous post and found the time to review my latest report, “Europe’s Digital Imperative,” you’ll know just how much money digital means for Europe. (In fact, one of the reasons for undertaking the research in that report was to provide the net/net of digital transformation.) However, as one of my previous […]

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Europe’s Digital Imperative Moves into View

Do you feel you’re living in a golden era?  By some important metrics, 2016 was the best year in humanity’s history (I know, hard to believe). According to World Bank figures, every day about a quarter of a million people moved out of extreme poverty, and that’s the highest it’s been in, like, ever.  Disease, famine […]

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WEF 2017: A Manifest Destiny of Machines

As we approach this year’s annual meeting of the World Economic Forum, a new economy – a digital economy – is emerging from the red hot furnace of technological innovation. An economy based on artificial intelligence, algorithms, “bots” and instrumented “things” is taking shape and, in the process, generating huge new money from ideas that […]

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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 […]

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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 […]

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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 […]

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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 […]

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