Harvard Business Review

NOVEMBER 22, 2016

Smart, always-connected devices and anytime/anywhere interactions are now givens, particularly among millennials, who expect such conveniences in banking and financial services. billion debit and credit card transactions, its research revealed a dramatic slowdown in the growth of everyday consumer spending from 2014 to 2015.

Banking 9

Banking Content Customer Loyalty Health Care 9

Strategy Driven

NOVEMBER 26, 2014

Where others saw an economic boom, I saw only the exponential risk of some $500 trillion in promises that banks and insurers didn’t have the reserves to keep. Whether it’s Lehmann Brothers filing for bankruptcy, the introduction of a new technology, or a change of government regimes in sixteen different countries, change is inevitable.

Real Estate 86

Real Estate CPA Travel Competitive Advantage 86

Harvard Business Review

MAY 17, 2016

In every industry, digital technologies are transforming the status quo. Accenture surveyed nearly 5,000 men and women in 31 countries, exploring their use of technology, including access to devices like smartphones and wireless wearable devices, and the frequency with which they use them.

Technology 10

Technology Globalization Education Wireless 10

Harvard Business Review

APRIL 5, 2018

Over the past few decades, Silicon Valley has been such a powerful engine for entrepreneurship in technology that, all too often, it is considered to be some kind of panacea. The Silicon Valley model, for all of its charms, was developed at a specific time, for a specific industry, which was developing a specific set of technologies.

Technology 8

Technology Venture Funding Venture Capitalist Entrepreneur 8

Harvard Business Review

AUGUST 30, 2018

Although cross-border data flows grew 45x between 2005 and 2014, according to a McKinsey analysis , events since 2014 have pushed the pendulum to swing away from unconstrained data globalization. These solutions lie at the intersection of technology development by companies and policy formulation by governments.

Supply Chain 10

Supply Chain Globalization GAAP Policies 10

Harvard Business Review

JUNE 14, 2017

In 2014, Sprint had a customer churn rate of 2.3% — twice as much as its biggest competitors. Another example comes from Royal Bank of Scotland (RBS). However, through a new culture and technology strategy, the company pivoted and raised its Net Promoter Score by 18 points.

CRM 10

CRM Banking Learning-by-Doing Wilde 10

Harvard Business Review

SEPTEMBER 30, 2014

Digital technology is the biggest agitator of the business world today. Mobile technology, social media, cloud computing, embedded devices, big data, and analytics have radically changed the nature of work and competition. Technology has tremendous potential to be the engine of increasing human, organizational, and economic prosperity.

Management 13

Management Drucker Technology Information Technology 13

Harvard Business Review

APRIL 4, 2014

to 3 percent in 2014 (U.S. Economic Outlook for 2014 and Beyond, January 13, 2014, About.com), and our own research , “CEO Briefing 2014 –The Global Agenda: Competing in a Digital World,” found widespread optimism in the C-Suite about companies’ growth prospects. Enthusiasm for digital technologies is not lacking.

Efficiency 8

Efficiency Maturity Strategic Planning Business Model 8

Harvard Business Review

SEPTEMBER 19, 2014

Less than 30% of the population have bank accounts, and even fewer have credit cards. More people have mobile money accounts than bank accounts in at least nine African countries, up from four in 2012. And cellular technology is leading the way. Informal retail and cash purchases are the norm, and that has its risks and costs.

Banking 8

Banking Retail Wireless Operations 8

Harvard Business Review

APRIL 24, 2018

Our phones can send photos of deposits right to our banks and pay for our groceries at the self-checkout. While most of us were still re-winding the tapes in our VCRs, brilliant minds were coming up with today’s technological advances. Or, maybe we don’t even go to the store. After leasing the U.S.

Content 8

Content Self-aware Technology Education 8

Harvard Business Review

SEPTEMBER 17, 2014

This plot suggests that the first quarter is pretty mundane; except for 2014, performance is tightly contained in a 91 to 93 band. There were several huge snowstorms last year, so 2014 was an anomaly.” 2014 is the new normal. We started a new trend in 2014 and should expect to see similar gains in 1Q15.” They are not.

Tacit Knowledge 11

Tacit Knowledge Information Technology Crisis Trends 11

Harvard Business Review

DECEMBER 14, 2016

Prime Minister Narendra Modi launched a surprise in early November, demonetizing 500 and 1,000 rupee bank notes. Indeed, since the chaos erupted, the prime minister has tweeted : “Time has come for everyone, particularly my young friends, to embrace e-banking, mobile banking & more such technology.”

Banking 8

Banking Cost Policies Supply Chain 8

Harvard Business Review

FEBRUARY 17, 2016

In Kenya, half of the population uses M-PESA , a mobile payments solution that doesn’t require a bank account. could harness technologies like 3D printing to build affordable houses faster and cleaner and make them accessible to most Americans. M-PESA is now enabling other disruptive business models in sectors like energy.

Cost 8

Cost Globalization Innovation Banking 8

Harvard Business Review

DECEMBER 28, 2017

Moreover, having regularly defaulted on its debts, few international institutions are willing to lend to the government, forcing it to rely on poorly capitalized local banks. For example, after opening its first store in 2014, fast-food chain KFC recently opened its fifth branch in the country.

Banking 8

Banking First-mover Advantage Politics Finance 8

Harvard Business Review

OCTOBER 20, 2016

While international lending, as measured by cross-border banking claims at the Bank for International Settlements, has declined $2.6 While international lending, as measured by cross-border banking claims at the Bank for International Settlements, has declined $2.6 And in 2014, Pfizer, the U.S.

Globalization 8

Globalization Banking Policies Politics 8

Harvard Business Review

MAY 4, 2016

As I described in my 2014 and 2015 reports, for two years running, BYOD existed in over half the 300 companies surveyed: 35% of organizations officially allowed it and 20% did not officially allow it but acknowledged its existence. It’s also more common among the high performers in that category. BYOA showed a different pattern.

Trends 8

Trends Telecommunications Survey Policies 8

Harvard Business Review

JUNE 17, 2016

Standing on stage on September 9, 2014 at Apple’s Worldwide Developer’s Conference (WWDC), Tim Cook announced, “We’ve created an entirely new payment process, and we called it Apple Pay.” Each of these mobile payment schemes relied on technology that only worked at merchants that had NFC terminals.

Retail 8

Retail Business Model Press Release Strategy 8

Harvard Business Review

OCTOBER 12, 2016

According to a report by Kaspersky Labs, Brazil was ranked the most dangerous country for financial attacks in 2014, and the Brazilian ChePro Trojans were ranked the second-most-widespread malicious program after ZeuS. Both of these Trojans target system information, online credentials, and banking details.

Company 8

Company Banking Information Advice 8

Harvard Business Review

JUNE 23, 2016

But compliance with regulations isn’t only demanded of banks. Congress or the European Union can throw all the regulations they want at banking and other industries, but politicians and bureaucrats are no match for today’s cognitive technologies.

Compliance 10

Compliance Drucker Banking Cost 10

Harvard Business Review

DECEMBER 4, 2018

And so Harry’s has been growing 35% year-on-year between 2014 to 2016, three times faster than the industry average , commanding 9% of all online razor sales. By March 2016, Chinese smartphone maker Xiaomi had invested in some 55 startups, generating products from power banks to air purifiers. P&G should follow suit.

Brand 12

Brand Retail Incubator Merchandising 12

Harvard Business Review

JULY 22, 2016

BancAlliance, a consortium of community banks, has partnered with Lending Club, a peer-to-peer lending marketplace. Customized, individual lending has historically been difficult for small banks because of regulatory risk and the high cost of underwriting a large pool of loans. Build it yourself.

Real Estate 8

Real Estate Business Model Incubator Short-term 8

Harvard Business Review

MAY 5, 2016

The economy still hasn’t received a boost from sanctions relief, and many big banks that left the country have not returned. Large European banks in particular are not ready to return to Iran even though they are permitted. financial system for bank transactions related to Iran. However, remaining U.S.

Tourism 8

Tourism Banking Due Diligence Hotels 8

Harvard Business Review

FEBRUARY 10, 2015

A 2014 global survey by SafeNet found that nearly two-thirds of consumers said they would stop or avoid using a company that had experienced a data breach. technology companies as much as $35 billion in potential business. technology companies as much as $35 billion in potential business.

Telecommunications 8

Telecommunications Cost-Benefit Analysis Reputation Survey 8

Harvard Business Review

FEBRUARY 26, 2018

Similarly, Microsoft paid $26 billion for loss-making LinkedIn in 2016, and Facebook paid $19 billion for WhatsApp in 2014 when it had no revenues or profits. The balance sheet has also become less useful for banks’ lending decisions because banks rely on asset coverage to calculate their security.

Company 8

Company Intangible Assets Depreciation IPO 8

Harvard Business Review

JULY 31, 2018

In 2009, Philips teamed up with a Dutch bank to develop the idea of a “rationalizer” bracelet to stop traders from making irrational decisions by monitoring their stress levels, which it measures by monitoring the wearer’s pulse. Systems that provide a targeted emotional analysis for learning purposes.

Self-aware 8

Self-aware Analysis Brand Automotive 8

Harvard Business Review

DECEMBER 16, 2016

Just as online brokerages pioneered virtual financial services, telehealth , which connects patients and clinicians by video and other digital technologies, enables patients to get a diagnosis, healthcare advice, and education, day or night, from the comfort of home. Leverage big data.

Health Care 8

Health Care Insurance Wireless Cost 8

Harvard Business Review

OCTOBER 20, 2016

In 2014, Microsoft finally announced that Ballmer would retire, and in early 2014, Satya Nadella took charge. Apple under Cook has doubled its revenues to $200 billion while doubling profit and tripling the amount of cash it has in the bank (now a quarter of a trillion dollars). The result?

CEO 8

CEO Supply Chain Long-term Short-term 8

Harvard Business Review

DECEMBER 13, 2013

Professionals from the banking, finance, investing, and accounting worlds. Technology, marketing, retail, HVAC, construction, and manufacturing pros. Banking and payment processing are significant issues, and many businesses that handle marijuana directly have to operate as all-cash businesses. And more are joining every day.

Industry 11

Industry Retail Banking Brand 11

Harvard Business Review

JUNE 9, 2014

According to the 2014 edition of the World Bank’s “ ease of doing business indicator ,” Greece ranks 72 nd out of 189 countries. And Tropical SA is focused on hydrogen and fuel cell technologies. And it ought to focus on becoming one of the top 25 economies in the World Bank indicator when it comes to “Ease of Doing Business.”.

Planning 9

Planning GDP Tourism Innovation 9

Harvard Business Review

NOVEMBER 27, 2013

Nonetheless, a sustainable and growing consumer economy depends on service sector reforms, especially in the banking sector, to meet the needs of lower cap private-sector borrowers at the base of the pyramid. Enormous investments have been made in science and technology in Chinese universities. An Innovation Economy. Politics has.

Education 8

Education Politics Globalization Hedge 8

Harvard Business Review

NOVEMBER 7, 2018

In recent years, much has been written about how the Blockchain is poised to transform traditional industries such as banking, real estate, and healthcare. One of the benefits of blockchain technology is that it is immune to centralized parties making changes of their own accord. Renee Comet/Getty Images. How ICOs Constrain.

Cost 8

Cost Decentralization Finance Entrepreneur 8

Harvard Business Review

APRIL 4, 2016

While the middle class has been eroded by currency depreciation and recession, the Russian consumer remains technologically savvy, interested in quality Western brands, and able to spend. And prior to the latest economic challenges, its middle class was estimated to account for as much as 60% of the total population.

Depreciation 8

Depreciation B2B Price Crisis 8

Harvard Business Review

MAY 2, 2014

That year, two global headlines raised the profile of social enterprise: Mohammed Yunus and the Grameen Bank won the Nobel Peace prize. Note: This post is adapted from my remarks at Babson College’s 2014 Lewis Institute Social Innovator Awards. In the broader U.S. The mind that is not baffled is not employed.

Entrepreneur 13

Entrepreneur Microfinance NGO Mission Statement 13

Harvard Business Review

AUGUST 13, 2015

of its population has internet access (at home or over a wireless device); other estimates, such as that from the World Bank , suggest that the number may be even lower, 15.1% Flipkart was ranked third among the world’s most valuable privately held startup companies, alongside stars such as Palantir Technologies and Snapchat Inc.,

Telecommunications 8

Telecommunications Marketing Wireless McKinsey 8

Harvard Business Review

FEBRUARY 19, 2015

The transition to a global digital economy in 2014 was sporadic – brisk in some countries, choppy in others. Credit cards or PayPal are rarely used; according to the Reserve Bank of India, 90% of all monetary transactions in India are in cash. Even Amazon localized its approach in India to offer COD as a service.

Constraint 8

Constraint Marketing Innovation Uncertainty 8

Harvard Business Review

JUNE 18, 2013

The National Institute of Standards and Technology (NIST) wants a preliminary framework in place by the end of this summer, with a final set of guidelines ready to go in February 2014. Critical industry sectors from energy and banking to transportation and health care answer to different government agencies or regulators.

Cooper 8

Cooper CIO Risk Management Telecommunications 8

Harvard Business Review

JANUARY 29, 2018

Incumbents in these industries often own established brands, proprietary technology, and control of distribution channels. Meanwhile, increasing numbers of incumbents are being compelled to adopt these technologies to stay competitive, even as cost and productivity pressures become acute.

Industry 8

Industry Fixed Assets Retail Market Penetration 8