Harvard Business Review

SEPTEMBER 15, 2014

More US bank branches closed in 2013 than ever before. Rather than going the way of Tower Records, leading banks are reinventing themselves with innovative mashups of digital technologies and physical facilities, a combination we call “digical.”. Finance Internet Retail' In our view, no. Here’s why.

Banking 10

Banking Retail Open-book Finance 10

Harvard Business Review

AUGUST 28, 2017

Total investment (internal and external) in AI reached somewhere in the range of $26 billion to $39 billion in 2016, with external investment tripling since 2013. With the AI field recently picking up its pace of innovation after the decades-long “AI winter,” technical expertise and capabilities are in short supply.

Survey 12

Survey Execution First-mover Advantage Technology 12

Harvard Business Review

AUGUST 5, 2014

McKinsey’s DataMatics 2013 survey shows that companies that use customer analytics extensively are more than twice as likely to generate above-average profits as those that don’t. The CMO also worked with the finance office and product managers to link pricing and benchmark data into the RFP process, which improved quality and response times.

P&L 11

P&L Banking Marketing Call Center 11