Strategy and Transformation

Blockchain is not a new technology; it has been available since the introduction of bitcoin in 2008. However, alternative applications in financial services have not yet achieved a critical mass of acceptance. There are some reasons for this, including the following. Regulatory Approval There is currently no legal framework that regulates the application of blockchain technology […]

The American Customer Satisfaction Index (ACSI), which measures the satisfaction of consumers with the quality of products and services offered by companies across a variety of industries, released a report that suggests digital transformation is helping financial services companies increase customer satisfaction. The ACSI report, which is based on 17,861 customer surveys collected between October […]

With the world’s population on the rise, food production and farming will be more important than ever. According to the UN Food and Agriculture Organization, “the world will need to produce 70% more food in 2050 than it did in 2006.”1 Meeting this anticipated demand will require farmers and agricultural companies to push the technological […]

In the mid-1980’s, a nascent technology was leveraged to invent the World Wide Web. Few could have foreseen the ubiquity of the internet in 2017. Likewise, blockchain is a relatively new technology, and its full potential may not be realized for some years. In the interim, and as further research continues, a number of applications […]

While much of the talk about driverless and connected cars is taking place in the U.S., the trend is global. Countries in Europe, like Germany, have made it a top priority. Countries in Southeast Asia and nations like China are also quickly designing a regulatory environment that can support the growth of such initiatives. However, […]

Google likes to put interesting statistics.  While you can’t plan your business around this stat, you can see where the market’s going and what you need to do in your own digital channels. Reminder It’s one thing to say the personalization makes a difference but what does it really take?  Here are some thoughts that […]

In the interest of reducing cost and liability, financial services companies have started withdrawing from the advice market and are requiring non-high net worth individuals to bear responsibility for their own financial decisions. This trend is similar to a trend in healthcare called “patient empowerment,” where doctors no longer make a recommendation for a course […]

In a few short years, the Internet of Things (IoT) has gone from technology hype to reality. IoT is “disrupting businesses, governments, and consumers and transforming how they interact with the world.” 1 Adoption rates for IoT are accelerating – reaching nearly 43% of enterprises worldwide.2 However, the IoT applications we see today are only […]

In simplest terms, blockchain is a technology that enables value to be transferred using only software; that is, without the need for trusted intermediaries. It is a record-keeping system where transactions are executed, validated, and recorded publicly. Let’s break down blockchain: 1. Blockchain is the technology behind bitcoin, the electronic currency. It is not the […]

One of the most fascinating effects of driverless and connected car technology is its financial impact on the customer-facing side of the automotive industry. According to Chris Ballinger, senior vice president and chief financial officer of Toyota Financial Services, approximately 87% of Americans who buy a new car finance it. In the U.S., 30-50% of […]

I have had the chance to review Sitecore 9 and I have to say, there are quite a few things to be excited about. This blog post will give you my take on a dozen changes you will want to take note of in Sitecore 9. A few of the more noteworthy changes deserve a deeper dive and will be covered in depth in future blog posts.

Clients are more empowered than ever to make their own informed decisions, which has led to a dramatic shift in their expectations of financial services companies. Clients expect to be provided with the kind of personalized advice, support, and tools they used to only get from their financial advisors. While offering choices is an important […]