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| digital strategy financial services: Digital Transformation in Financial Services Claudio Scardovi, 2017-09-04 This book analyzes the set of forces driving the global financial system toward a period of radical transformation and explores the transformational challenges that lie ahead for global and regional or local banks and other financial intermediaries. It is explained how these challenges derive from the newly emerging post-crisis structure of the market and from shadow and digital players across all banking operations. Detailed attention is focused on the impacts of digitalization on the main functions of the financial system, and particularly the banking sector. The author elaborates how an alternative model of banking will enable banks to predict, understand, navigate, and change the external ecosystem in which they compete. The five critical components of this model are data and information mastering; effective use of applied analytics; interconnectivity and “junction playing”; development of new business solutions; and trust and credibility assurance. The analysis is supported by a number of informative case studies. The book will be of interest especially to top and middle managers and employees of banks and financial institutions but also to FinTech players and their advisers and others. |
| digital strategy financial services: Managerial Issues in Digital Transformation of Global Modern Corporations Esakki, Thangasamy, 2021-06-25 Efficient management of managerial tasks by capable managers is essential in order to grow and remain competitive in today’s global business market. On the other hand, digital transformation enables organizations to better compete with their global counterparts. In the process of digital transformation, many firms find it difficult to acquire qualified leadership with adequate knowledge and competence to drive success. Without integrating the dual edges of managerial competence and digital evolution, it is next to impossible for a firm to both survive and grow. Managerial Issues in Digital Transformation of Global Modern Corporations is a critical scholarly publication that examines current challenges in the digital transformation of modern business corporations from a managerial and leadership perspective. Featuring a wide range of topics such as digital transformation, marketing, and global business, this book is ideal for corporate executives, managers, IT specialists, entrepreneurs, business administrators, industry practitioners, academicians, researchers, policymakers, and students from various relevant disciplines that include economics, information and technology, business administration, management science, and commerce. |
| digital strategy financial services: Financial Ecosystem and Strategy in the Digital Era Umit Hacioglu, Tamer Aksoy, 2021 This book analyses and discusses current issues and trends in finance with a special focus on technological developments and innovations. The book presents an overview of the classical and traditional approaches of financial management in companies and discusses its key strategic role in corporate performance. Furthermore, the volume illustrates how the emerging technological innovations will shape the theory and practice of financial management, focusing especially on the decentralized financial ecosystems that blockchain and its related technologies allow. |
| digital strategy financial services: Disrupting Finance Theo Lynn, John G. Mooney, Pierangelo Rosati, Mark Cummins, 2018-12-06 This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry. |
| digital strategy financial services: Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1 David Lee Kuo Chuen, Robert H. Deng, 2017-08-03 Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets. Contributors go beyond summaries of standard models to describe new banking business models that will be sustainable and will likely dictate the future of finance. The volume not only emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing, but it also looks at engineering theories and developments that encourage innovation. Its ability to illuminate present potential and future possibilities make it a unique contribution to the literature. - Explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets - Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties - Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography - Provides the only advanced methodical summary of these subjects available today |
| digital strategy financial services: Doing Digital: Lessons from Leaders Chris Skinner, 2020-03-02 There has been lots of discussion of digital and open banking, banking-as-a-service, banking platforms, FinTech and TechFin and more over the past decade. This all indicates that we are in a decade of rapid cycle change that presents huge challenges and huge opportunities. Billion dollar unicorns appear rapidly, whilst internet giants achieve global domination. How are banks dealing with these changes and are any banks showing leadership? Well yes, a few are. With all the gloom merchants saying that traditional banking is doomed, a few banks have made radical moves to adapt and survive. Chris Skinner, world-leading commentator on banking and technology, has selected five of those banks—JPMorgan Chase (USA), BBVA and ING (Europe), and DBS and CMB (Asia)—to share their experiences. In detailed interviews, and with wide-ranging commentary, he has discovered the secrets of how not just adapt and survive, but how to thrive in this sea change of finance and technology. Learn the lessons of the leaders, and learn how to become a successful digital bank, by Doing Digital. |
| digital strategy financial services: Digital Transformation at Scale: Why the Strategy Is Delivery Andrew Greenway, Ben Terrett, Mike Bracken, Tom Loosemore, 2018-04-24 This book is a guide to building a digital institution. It explains how a growing band of reformers in businesses and governments around the world have helped their organisations pivot to a new way of working, and what lessons others can learn from their experience. |
| digital strategy financial services: Stay Competitive in the Digital Age: The Future of Banks MissEstelle X Liu, 2021-02-19 The latest advancement in financial technology has posed unprecedented challenges for incumbent banks. This paper analyzes the implications of these challenges on bank competitveness, and explores the factors that could support digital advancement in banks. The analysis shows that the traditionally leading role of banks in advancing financial technology has diminished in recent years, and suggests that onoing efforts to catch up to the digital frontier could lead to a more concentrated banking industry, as smaller and less tech-savvy banks struggle to survive. Cross-country evidence has suggested that banks in high-income economies appear to have been the digital leaders, likely benefiting from a sound digital infrastructure, a strong legal and business environment, and healthy competition. Nonetheless, some digital leaders may fall behind in the coming years in adopting newer technologies due to entrenched consumer behavior favoring older technologies, less active fintech and bigtech companies, and weak bank balance sheets. |
| digital strategy financial services: Beyond Digital Paul Leinwand, Mahadeva Matt Mani, 2022-01-04 Two world-renowned strategists detail the seven leadership imperatives for transforming companies in the new digital era. Digital transformation is critical. But winning in today's world requires more than digitization. It requires understanding that the nature of competitive advantage has shifted—and that being digital is not enough. In Beyond Digital, Paul Leinwand and Matt Mani from Strategy&, PwC's global strategy consulting business, take readers inside twelve companies and how they have navigated through this monumental shift: from Philips's reinvention from a broad conglomerate to a focused health technology player, to Cleveland Clinic's engagement with its broader ecosystem to improve and expand its leading patient care to more locations around the world, to Microsoft's overhaul of its global commercial business to drive customer outcomes. Other case studies include Adobe, Citigroup, Eli Lilly, Hitachi, Honeywell, Inditex, Komatsu, STC Pay, and Titan. Building on a major new body of research, the authors identify the seven imperatives that leaders must follow as the digital age continues to evolve: Reimagine your company's place in the world Embrace and create value via ecosystems Build a system of privileged insights with your customers Make your organization outcome-oriented Invert the focus of your leadership team Reinvent the social contract with your people Disrupt your own leadership approach Together, these seven imperatives comprise a playbook for how leaders can define a bolder purpose and transform their organizations. |
| digital strategy financial services: Digital Financial Services in the Pacific Asian Development Bank, 2016-03-01 The challenging geography and poor infrastructure of many Pacific nations mean digital financial services (DFS) are a particularly effective means of enhancing financial inclusion in the region. However, a number of major challenges confront DFS in the Pacific, including the establishment of reliable agent networks and the building of sufficient consumer trust in DFS for it to become a viable payments channel. This report examines the current use of DFS in the Pacific, analyzes the issues that need to be addressed, and provides recommendations for increasing financial inclusion in the region. This publication was produced by the Pacific Private Sector Development Initiative, a regional technical assistance facility cofinanced by the Asian Development Bank (ADB), the Government of Australia and the New Zealand government. |
| digital strategy financial services: Fintech International Monetary Fund, World Bank, 2019-06-27 The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity. |
| digital strategy financial services: Digital Finance in Europe: Law, Regulation, and Governance Emilios Avgouleas, Heikki Marjosola, 2021-12-20 Global finance is in the middle of a radical transformation fueled by innovative financial technologies. The coronavirus pandemic has accelerated the digitization of retail financial services in Europe. Institutional interest and digital asset markets are also growing blurring the boundaries between the token economy and traditional finance. Blockchain, AI, quantum computing and decentralised finance (DeFI) are setting the stage for a global battle of business models and philosophies. The post-Brexit EU cannot afford to ignore the promise of digital finance. But the Union is struggling to keep pace with global innovation hubs, particularly when it comes to experimenting with new digital forms of capital raising. Calibrating the EU digital finance strategy is a balancing act that requires a deep understanding of the factors driving the transformation, be they legal, cultural, political or economic, as well as their many implications. The same FinTech inventions that use AI, machine learning and big data to facilitate access to credit may also establish invisible barriers that further social, racial and religious exclusion. The way digital finance actors source, use, and record information presents countless consumer protection concerns. The EU’s strategic response has been years in the making and, finally, in September 2020 the Commission released a Digital Finance Package. This special issue collects contributions from leading scholars who scrutinize the challenges digital finance presents for the EU internal market and financial market regulation from multiple public policy perspectives. Author contributions adopt a critical yet constructive and solutions-oriented approach. They aim to provide policy-relevant research and ideas shedding light on the complexities of the digital finance promise. They also offer solid proposals for reform of EU financial services law. |
| digital strategy financial services: Research Anthology on Concepts, Applications, and Challenges of FinTech Management Association, Information Resources, 2021-02-05 FinTech, an abbreviated term for financial technology, is a digital revolution changing the way banking and financial services are being used both by individuals and businesses. As these changes continue to take place, the financial industry is focused on technological innovation and feeding into this digital revolution to better serve consumers who are looking for easier ways to invest, transfer money, use banking services, and more. FinTech is increasing accessibility to financial services, automating these services, expanding financial options, and enabling online payments and banking. While the benefits are being continually seen and this technology is becoming more widely accepted, there are still challenges facing the technology that include security concerns. To understand FinTech and its role in society, both the benefits and challenges must be reviewed and discussed for a holistic view on the digital innovations changing the face of the financial industry. The Research Anthology on Concepts, Applications, and Challenges of FinTech covers the latest technologies in FinTech with a comprehensive view of the impact on the industry, where these technologies are implemented, how they are improving financial services, and the security applications and challenges being faced. The chapters cover the options FinTech has unlocked, such as mobile banking and virtual transactions, while also focusing on the workings of the technology itself and security applications, such as blockchain and cryptocurrency. This book is a valuable reference tool for accountants, bankers, financial planners, financial analysts, business managers, economists, computer scientists, academicians, researchers, financial professionals, and students. |
| digital strategy financial services: Digital Finance Zhiyi Liu, |
| digital strategy financial services: Innovative Strategies for Implementing FinTech in Banking Albastaki, Yousif Abdullatif, Razzaque, Anjum, Sarea, Adel M., 2020-08-28 FinTech is encouraging various new practices, such as diminishing the use of cash in different countries, increasing rate of mobile payments, and introducing new algorithms for high-frequency trading across national boundaries. It is paving the way for new technologies emerging in the information technology scene that allow financial service firms to automate existing business processes and offer new products, including crowdfunding or peer-to-peer insurance. These new products cater to hybrid client interaction and customer self-services, changing the ecosystem by increasing outsourcing for focused specialization by resizing and leading to new ecosystems and new regulations for encouraging FinTech. However, such new ecosystems are also accompanied by new challenges. Innovative Strategies for Implementing FinTech in Banking provides emerging research exploring the theoretical and practical aspects of technology inclusion in the financial sector and applications within global financing. It provides a clear direction for the effective implementation of FinTech initiatives/programs for improving banking financial processes, financial organizational learning, and performance excellence. Featuring coverage on a broad range of topics such as artificial intelligence, social financing, and customer satisfaction, this book encourages the management of the financial industry to take a proactive attitude toward FinTech, resulting in a better decision-making capability that will support financial organizations in their journey towards becoming FinTech-based organizations. As such, this book is ideally designed for financial analysts, finance managers, finance administrators, banking professionals, IT consultants, researchers, academics, students, and practitio |
| digital strategy financial services: Digital Strategies And Organizational Transformation G Reza Djavanshir, 2023-08-02 In today's highly competitive business environments, with the rise of digital businesses and digital economy, digital strategies and organizational changes go hand in hand. Organizations that possess a robust digital strategy benefit greatly from the advancements of emerging digital technologies, and hence, making necessary organizational changes in order to maximise the benefits have become vital for their survival. According to MIT Sloan's Center for Information Systems Research (CISR), '[i]n this period of digital disruption, businesses focused narrowly on value chains are at a disadvantage'. Next-generation enterprises need to think more broadly about their business ecosystems, leverage digitization to understand their customers better, and establish options for future success. Therefore, competitive businesses have started using a variety of digital tools including artificial intelligence, alongside other digital applications, making the required changes to their organizational models and cultures to better serve their customers efficiently and effectively.This book contains a collection of chapters describing these digital strategies and how they go hand in hand with organizational changes. We solicited contributions from well-known academics from universities, business leaders, and experts within businesses and government organizations for this book. The majority of the chapters examines the necessary relationships between these two critical issues. Specifically, this book discusses how to infuse new knowledge into ongoing discourse and debates within academia and business organizations regarding digital strategies and organizational changes, and how to accomplish seamless integration of digital tools and applications into organizational platforms in order to accomplish the required organizational changes smoothly.In summary, this book discusses the integration and implementation of digital technology and the required organizational changes to take advantage of the phenomenon of digitization. In order to create competitive advantage, leadership organizations must address the challenges of formulating and implementing robust digital strategies and simultaneously, start making the required organizational changes, as this book concludes. |
| digital strategy financial services: Investment Strategies in Emerging New Trends in Finance Reza Gharoie Ahangar, Asma Salman, 2021-04-14 Investment and portfolio strategies are some of the most exciting topics in finance. This book presents the most up-to-date topics and techniques in finance to facilitate the investment process for researchers and investors in selecting appropriate investment strategies with the emergence of new issues and concepts in financial areas. This book contains nine chapters divided into three sections: The first section, “Investment and Portfolio Strategies,” discusses different investment strategies in portfolio selection. The second section, “Behavioral Finance and Investment Decisions,” examines the application of behavioral finance in investment decisions. The last section, “Emerging New Trends in Finance,” includes some new and interesting finance topics that can depict our vision for the future arena of finance. |
| digital strategy financial services: The Technological Revolution in Financial Services Michael R. King, Richard W. Nesbitt, 2020-08-26 The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry, in the form of entrepreneurial fintech start-ups to large, non-financial technology-based companies. The Technological Revolution in Financial Services is an invaluable resource for those eager to understand the evolving financial industry. This edited volume outlines the strategic implications for financial services firms in North America, Europe, and other advanced economies. The most successful banks, insurance companies, and asset managers will partner with financial technology companies to provide a better and more innovative experience services to retail customers and small businesses. Ultimately this technological revolution will benefit customers and lead to a more open and inclusive financial system. |
| digital strategy financial services: The Technology Fallacy Gerald C. Kane, Anh Nguyen Phillips, Jonathan R. Copulsky, Garth R. Andrus, 2022-08-23 Why an organization's response to digital disruption should focus on people and processes and not necessarily on technology. Digital technologies are disrupting organizations of every size and shape, leaving managers scrambling to find a technology fix that will help their organizations compete. This book offers managers and business leaders a guide for surviving digital disruptions—but it is not a book about technology. It is about the organizational changes required to harness the power of technology. The authors argue that digital disruption is primarily about people and that effective digital transformation involves changes to organizational dynamics and how work gets done. A focus only on selecting and implementing the right digital technologies is not likely to lead to success. The best way to respond to digital disruption is by changing the company culture to be more agile, risk tolerant, and experimental. The authors draw on four years of research, conducted in partnership with MIT Sloan Management Review and Deloitte, surveying more than 16,000 people and conducting interviews with managers at such companies as Walmart, Google, and Salesforce. They introduce the concept of digital maturity—the ability to take advantage of opportunities offered by the new technology—and address the specifics of digital transformation, including cultivating a digital environment, enabling intentional collaboration, and fostering an experimental mindset. Every organization needs to understand its “digital DNA” in order to stop “doing digital” and start “being digital.” Digital disruption won't end anytime soon; the average worker will probably experience numerous waves of disruption during the course of a career. The insights offered by The Technology Fallacy will hold true through them all. A book in the Management on the Cutting Edge series, published in cooperation with MIT Sloan Management Review. |
| digital strategy financial services: Disruptive Technology and Digital Transformation for Business and Government Sandhu, Kamaljeet, 2021-05-07 With the far-reaching global impact of the COVID-19 pandemic, the demand and the necessity for digital enterprise transformation have accelerated exponentially. Management and strategies for the adoption and wider usage of newer digital technologies for the transformation of an enterprise through digital tools such as real-time video communications have shown that people no longer need to be required to be physically present in the same place; rather, they can be geographically dispersed. Technologies such as artificial intelligence, cloud computing, digital banking, and cloud data have taken over tasks that were initially done by human hands and have increased both the automation and efficiency of tasks and the accessibility of information and services. Inclusion of all these newer technologies has shown the fast pace at which the digital enterprise transformation is rapidly evolving and how new ecosystems are reshaping the digital enterprise model. Disruptive Technology and Digital Transformation for Business and Government presents interesting research on digital enterprise transformation at different stages and across different settings within government and industry, along with key issues and deeper insights on the core problems and developing solutions and recommendations for digital enterprise transformation. The chapters examine the three core leaders of transformation: the people such as managers, employees, and customers; the digital technology such as artificial intelligence and robotics; and the digital enterprise, including the products and services being transformed. They unravel the underlying process for management and strategies to fully incorporate new digital tools and technologies across all aspects of an enterprise undergoing transformation. This book is ideally intended for managers, executives, IT consultants, business professionals, government officials, researchers, students, practitioners, stakeholders, academicians, and anyone else looking to learn about new developments in digital enterprise transformation of business systems from a global perspective. |
| digital strategy financial services: The Digital Banking Revolution Luigi Wewege, Michael C. Thomsett, 2019-12-02 Emergent innovative financial technologies are profoundly changing the way in which we spend, move and manage our money, unlike ever before, and traditional retail banks are facing stiff competition. The global financial crisis in 2007–2009 led to large losses, and even the collapse of a significant number of established banks shaking the trust of financial customers worldwide. The Digital Banking Revolution is an insightful look at how financial technology and the rapid rise of financial technology companies have brought welcome changes offering flexibility to the banking industry. The book offers a unique perspective on the consumerization of retail banking services. It delves into the many changes that financial innovations have brought about in banking, the main financial disruptors, the new era of banking on the go, and financial innovations from countries around the world before concluding with a discussion on the future of banking including optimizing structures, new strategies for business outcomes, and human resources in the digital era. |
| digital strategy financial services: Driving Digital Strategy Sunil Gupta, 2018-07-24 Digital transformation is no longer news--it's a necessity. Despite the widespread threat of disruption, many large companies in traditional industries have succeeded at digitizing their businesses in truly transformative ways. The New York Times, formerly a bastion of traditional media, has created a thriving digital product behind a carefully designed paywall. Best Buy has transformed its business in the face of Amazon's threat. John Deere has formed a data-analysis arm to complement its farm-equipment business. And Goldman Sachs and many others are using digital technologies to reimagine their businesses. In Driving Digital Strategy, Harvard Business School professor Sunil Gupta provides an actionable framework for following their lead. For over a decade, Gupta has studied digital transformation at Fortune 500 companies. He knows what works and what doesn't. Merely dabbling in digital or launching a small independent unit, which many companies do, will not bring success. Instead you need to fundamentally change the core of your business and ensure that your digital strategy touches all aspects of your organization: your business model, value chain, customer relationships, and company culture. Gupta covers each aspect in vivid detail while providing navigation tips and best practices along the way. Filled with rich and illuminating case studies of companies at the forefront of digital transformation, Driving Digital Strategy is the comprehensive guide you need to take full advantage of the limitless opportunities the digital age provides. |
| digital strategy financial services: The Digital Journey of Banking and Insurance, Volume III Volker Liermann, Claus Stegmann, 2021-10-27 This book, the third one of three volumes, focuses on data and the actions around data, like storage and processing. The angle shifts over the volumes from a business-driven approach in “Disruption and DNA” to a strong technical focus in “Data Storage, Processing and Analysis”, leaving “Digitalization and Machine Learning Applications” with the business and technical aspects in-between. In the last volume of the series, “Data Storage, Processing and Analysis”, the shifts in the way we deal with data are addressed. |
| digital strategy financial services: Digital Business Strategy Anders Pehrsson, 2023-10-20 Digital Business Strategy responds to the need for clarification of the increasing, but fragmented, knowledge of digital business strategy. It systematically presents topical knowledge by reviewing previous research and developing frameworks for the content of digital business strategy and its relationships with relevant factors. In addition, the book analyses issues encountered by individual companies when implementing digital business strategies. The volume identifies key categories of digital business strategy, in particular, strategy scope and direction, competitive advantage, and resource and capability reliance. It then explores relationships with antecedents such as digital experience, relationships with obstacles and enablers of strategy implementation, and relationships with operational and financial outcomes. The author demonstrates that strategy content and relationships differ among manufacturing companies, retailers, digital content providers, and digital platforms and also presents ways to cope with issues of implementation. In summary, the book provides readers who wish to know more about the growing field of digital business strategy with up-to-date and systematic knowledge. It will be of great value to students at an advanced level, researchers, and reflective practitioners in the fields of technology management and strategic management in particular. |
| digital strategy financial services: Open Innovation Ecosystems Daniel Fasnacht, 2018-11-19 Sharing information and knowledge, co-innovating with clients, communities, and competitors and adopting cognitive technology, robo advisors, crowdfunding, and blockchain reflect current socio-economic behaviour. Emerging growth regions in Asia, demographic shifts, intergenerational wealth transfers and increasing regulations are other trends that amplify each other, disrupt the client journey, and affect the entire economy. Moreover, unprecedentedly, new market entrants outside the financial sector, be it Amazon, Apple, Google, or Facebook, are increasingly expanding their scale and scope to offer financial services. Featuring case studies of Chinese business ecosystems, such as Alibaba/Ant Financial, that have transformed from displaying domestic and organic growth to rapid global expansion, this highly readable book gives you glimpses of how banking services are evolving. We break down everything you need to know about the foray of challenger banks into the financial services. You learn how they link health to wealth data and gain advantages through analytical capabilities in the race to attract sophisticated clients with highly personalized experiences. The next level of creating and capturing value for clients and businesses involves platform models embedded in cross-sector ecosystems. Digital platforms are the crucial entry point to global markets, creating value for multiple sides. They leverage self-driving ecosystems that go beyond linear value chains applied in traditional business models as the sources of growth in an interconnected world are collaboration and network effects. The winners will be those who open up and engage themselves in an ecosystem that transcends organizational boundaries and performs without sector borders because every actor contributes to the value constellation of the system. The book provides practitioners and scholars with new insights into open and holistic business models, where competition in future will be between ecosystems rather than at the company level. It encourages leaders to expand their skills and think through the lens of the ecosystem theory while developing compelling strategies to serve the next-generation clients. |
| digital strategy financial services: Fintech and Islamic Finance Nafis Alam, Lokesh Gupta, Abdolhossein Zameni, 2019-10-02 Financial Technology (Fintech) has revolutionized the financial world as one of the fastest-growing segments in both the technology and financial sectors. With the usage of underlying principles of Blockchain technology, Fintech is bringing the financial community together and making financial services accessible to everyone. Fintech has far-reaching implications for Islamic finance such as banking, investment, insurance (takaful) and wealth management, which are benefitting from this usage. This book provides a comprehensive review of how Fintech is shaping the Islamic finance industry through three key aspects: Digitalization, Development and Disruption. The book will provide insight on the Shariahtech (Fintech in line with Shariah principle) and its application in the Islamic finance industry. The book also gives an overview of Blockchain and Fintech evolution and how they act as the building blocks of the digital financial landscape. Readers of the book will also get a detailed discernment on the Islamic viewpoint on cryptocurrency as well as the application of the smart contract in different Islamic financial services. The book provides students, academics and researchers with a detailed description of the Blockchain and Fintech application in Islamic finance. |
| digital strategy financial services: World's Best Bank Robin Speculand, 2021 World's Best Bank - A Strategic Guide to Digital Transformation is a thorough handbook aimed at leaders and decision-makers who want to transform their entire organization from traditional to digital. |
| digital strategy financial services: Research Handbook on Digital Strategy Carmelo Cennamo, Giovanni B. Dagnino, Feng Zhu, 2023-05-09 This state-of-the-art Research Handbook presents a comprehensive overview of the key strategic challenges that firms face when dealing with digital markets, platforms, and products and services, from old strategy questions in need of different solutions to entirely novel issues posed by the new competitive digital context. This title contains one or more Open Access chapters. |
| digital strategy financial services: Open Innovation in the Financial Services Daniel Fasnacht, 2009-02-11 Open innovation means gathering new ideas from sources beyond organizational boundaries. It occurs when solutions to address clients’ needs are developed in collaboration and the resulting products and services are distributed through a flexible network of partners. Daniel Fasnacht’s book, the first of its kind, discusses open business models in the context of the financial services industry. He elaborates the drivers for strategic change such as increasingly sophisticated clients or demanding shareholders among other trends, including the recent global financial crisis, and explains why the transition from a closed model of operation to open innovation is vital. Various case studies illustrate how to integrate the client into the firm's innovation process and emphasize the importance of smart client segmentation and a holistic advisory model to serve clients around the globe. Leaders must develop a set of new management practices to be able to invest in multiple strategic directions. They are responsible for giving clients a remarkable experience and for creating social relationship capital based upon an open innovation culture. Open Innovation in the Financial Services provides a much-needed framework for helping to understand industry dynamics in banking and to make the most of organizational energy by using open innovation to sustain profitable growth. The book comes at the right time and offers a new mindset for business – not only for expansion strategies in general, but especially during turbulent times. |
| digital strategy financial services: Leading Digital Strategy Christopher Bones, James Hammersley, 2015-03-03 For a business to thrive competitively in today's marketplace, it needs to have an effective e-commerce channel. Getting it right opens up new markets and opportunities; getting it wrong leads to declining revenues and profitability. To ensure effectiveness, business leaders and decision-makers must understand how e-commerce channels work to make the best strategic choices for their business. Drawing on experience in consulting to large complex organisations and ground-breaking primary research with senior executives from leading corporations, Leading Digital Strategy creates a convincing case for action and offers practical strategies, methodologies and models to improve the effectiveness of a company's online offering. It explores how to align organisational structure with wider goals and implement a customer-centric culture. With coverage of the key digital trends, tools and technologies affecting business today, it provides a practical framework for multi-channel success. This book challenges leaders to become as fluent and creative in digital as they are in finance, sales and marketing, and equips them to choose the right strategy and the right people to make it happen. With strategies for improved operational performance and enhanced engagement from senior management, Leading Digital Strategy gives readers the power to drive forward effective digital initiatives and realise rewarding opportunities for change. |
| digital strategy financial services: Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance El Bachir Boukherouaa, Mr. Ghiath Shabsigh, Khaled AlAjmi, Jose Deodoro, Aquiles Farias, Ebru S Iskender, Mr. Alin T Mirestean, Rangachary Ravikumar, 2021-10-22 This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight. |
| digital strategy financial services: Banking 5.0 Bernardo Nicoletti, 2021-07-06 Bill Gates’ quote, “Banking is necessary, but banks are not,” showcases the opportunity for financial services digital transformation. The next transition from industry 4.0 to 5.0 will impact all sectors, including banking. It will combine information technology and automation, based on artificial intelligence, person-robot collaboration, and sustainability. It is time to analyze this transformation in banking deeply, so that the sector can adequately change to the ‘New Normal’ and a wholly modified banking model can be properly embedded in the business. This book presents a conceptual model of banking 5.0, detailing its implementation in processes, platforms, people, and partnerships of financial services organizations companies. The last part of the book is then dedicated to future developments. Of interest to academics, researchers, and professionals in banking, financial technology, and financial services, this book also includes business cases in financial services. |
| digital strategy financial services: Managing Customer-Centric Strategies in the Digital Landscape Ho, Ree Chan, Song, Bee Lian, Tee, Poh Kiong, 2024-10-25 In todays rapidly evolving digital landscape, the integration of emerging technologies has reshaped the business world and propelled companies to keep pace with advancements like artificial intelligence, data science, blockchain, and reality virtualization. These technologies are no longer just tools for efficiency but are crucial drivers of customer-centric strategies that enhance productivity and service. As businesses strive to maximize the value of their technology investments, they must integrate these innovations into their entire business ecosystem to meet the needs of socially connected, tech-savvy customers. Leveraging Emerging Technologies for Customer-Centric Business Strategies explores the crucial intersection of technological innovation and customer-centricity in the digital age. These chapters delve into how companies can effectively implement new technologies such as AI, machine learning, and big data analytics, to better serve customer demands and foster stronger engagement. By examining current business models, predicting future trends, and analyzing the role of customer involvement in co-creation, this comprehensive resource provides researchers, business practitioners, and academics with the strategies needed to navigate the fast-paced, technology-driven marketplace. |
| digital strategy financial services: FinTech Parag Y Arjunwadkar, 2018-04-17 Everything that we know about the world of finance is changing before us. Innovation is happening constantly, despite the protests of the traditional financial industry. With all the new technology that we have today, it is almost mind-blowing to think about the kind of technology that we will have in another ten years or so. The change is going to keep coming, the only thing we can do is get on board with it. This book introduces the basics of FinTech and equips readers with the knowledge to get on the cutting edge of age we live in today. |
| digital strategy financial services: The Digital Journey of Banking and Insurance, Volume I Volker Liermann, Claus Stegmann, 2021-10-30 This book, one of three volumes, showcases the effective transformation of companies providing banking and insurance services. This first volume gives a business-oriented introduction to the setting and the current challenges of fintech, regtech, and insurtech and provides an outlook on what will be needed in the future. Specific sub-departments in financial services are examined with a view to accounting, risk, and regulatory segments. The book also addresses the importance of cultural aspects of the coming digital transformation with an eye to requirements that will enable a digital bank or insurance company to thrive in 2025. The angle shifts over the volumes from a business-driven approach in “Disruption and DNA” to a strong technical focus in “Data Storage, Processing and Analysis”, leaving “Digitalization and Machine Learning Applications” with the business and technical aspects in-between. |
| digital strategy financial services: The Imagination Machine Martin Reeves, Jack Fuller, 2021-06-08 A guide for mining the imagination to find powerful new ways to succeed. We need imagination now more than ever—to find new opportunities, rethink our businesses, and discover paths to growth. Yet too many companies have lost their ability to imagine. What is this mysterious capacity? How does imagination work? And how can organizations keep it alive and harness it in a systematic way? The Imagination Machine answers these questions and more. Drawing on the experience and insights of CEOs across several industries, as well as lessons from neuroscience, computer science, psychology, and philosophy, Martin Reeves of Boston Consulting Group's Henderson Institute and Jack Fuller, an expert in neuroscience, provide a fascinating look into the mechanics of imagination and lay out a process for creating ideas and bringing them to life: The Seduction: How to open yourself up to surprises The Idea: How to generate new ideas The Collision: How to rethink your idea based on real-world feedback The Epidemic: How to spread an evolving idea to others The New Ordinary: How to turn your novel idea into an accepted reality The Encore: How to repeat the process—again and again. Imagination is one of the least understood but most crucial ingredients of success. It's what makes the difference between an incremental change and the kinds of pivots and paradigm shifts that are essential to transformation—especially during a crisis. The Imagination Machine is the guide you need to demystify and operationalize this powerful human capacity, to inject new life into your company, and to head into unknown territory with the right tools at your disposal. |
| digital strategy financial services: Is Digital Financial Inclusion Unlocking Growth? Purva Khera, Miss Stephanie Y Ng, Ms. Sumiko Ogawa, Ms. Ratna Sahay, 2021-06-11 Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital financial inclusion? Why does it advance more in some countries but not in others? Using new indices of financial inclusion developed in Khera et. al. (2021), this paper addresses these questions for 52 developing countries. Using cross-sectional instrument variable procedure, we find that the exogenous component of digital financial inclusion is positively associated with growth in GDP per capita during 2011-2018, which suggests that digital financial inclusion can accelerate economic growth. Fractional logit and random effects empirical estimation identifies access to infrastructure, financial and digital literacy, and quality of institutions as key drivers of digital financial inclusion. These findings are then used to help inform policy recommendations in areas related to the digitization of financial services to promote financial inclusion. |
| digital strategy financial services: Handbook of Research on Management and Strategies for Digital Enterprise Transformation Sandhu, Kamaljeet, 2021-04-02 From traditional brick and mortar to new start-ups, businesses are harnessing the power of digital enterprise as a cost-effective model to deliver goods and services online. Digital enterprise strategy is adopted for transforming business, streamlining processes, and making the best use of online technologies to enhance interaction with customers and employees and deliver excellent customer experience in real time. Digital enterprises increasingly need digital workers to establish greater digital skills to bear on every activity and to drive management, strategy, and innovation, which are key for digital enterprise transformation. The Handbook of Research on Management and Strategies for Digital Enterprise Transformation is a crucial reference source that discusses leveraging technology for the customers’, employees’, and suppliers’ benefit, as well as integrating complex processes to management, marketing, production, manufacturing, and financial systems. Combining management, strategy, technology, and digital enterprise topics into one book provides the reader with a holistic understanding of the new developments in these emerging fields. This study will also include key topics of interest on how to address structural changes underway in the local and global business environment for digital enterprise transformation. Featuring research on topics such as e-commerce, organizational learning, and agile management, this book is ideally designed for business professionals, policymakers, researchers, students, and managers. |
| digital strategy financial services: Entrepreneurial Strategies for the Internationalization and Digitalization of SMEs Rafiki, Ahmad, Ambad, Sylvia Nabila Azwa, Abdul Aziz, Nor Farradila, 2024-07-22 As small and medium-sized enterprises (SMEs) continue to grow and expand their operations globally, the choices around internationalization and digitalization have become increasingly crucial for business owners to consider. The challenges inherent in expanding operations globally and embracing digital technologies, which demand substantial investment and preparation, pose formidable obstacles. Furthermore, the prevailing mindset prioritizes profit maximization, neglecting the urgent need for environmentally concerned outputs. This critical juncture calls for a transformative solution that addresses the intricacies of international business and digital operations and champions sustainable practices for the future. Entrepreneurial Strategies for the Internationalization and Digitalization of SMEs is a comprehensive guide meticulously crafted to tackle the pressing issues SMEs face today. The book presents a nuanced exploration of internationalization and digitalization, unraveling concepts, methods, strategies, and models crucial for navigating this complex terrain. Through an innovative lens, it redefines entrepreneurship by intertwining it with green achievements, advocating for sustainable outcomes that resonate with the growing global call for environmental responsibility. The book serves as a compass for change, offering readers a robust reference for implementing transformative strategies and models aligned with the dual objectives of enhancing business operations and fostering environmental sustainability. |
| digital strategy financial services: Emerging Challenges, Solutions, and Best Practices for Digital Enterprise Transformation Sandhu, Kamaljeet, 2021-06-18 As organizations continue to move towards digital enterprise, the need for digital transformation continues to grow especially due to the COVID-19 pandemic. These impacts will last far into the future, as newer digital technologies continue to be accepted, used, and developed. These digital tools will forever change the face of business and management. However, on the road to digital enterprise transformation there are many successes, difficulties, challenges, and failures. Finding solutions for these issues through strategic thinking and identification of the core issues facing the enterprise is of primary concern. This means modernizing management and strategies around the digital workforce and understanding digital business at various levels. These key areas of digitalization and global challenges, such as those during or derived from the pandemic, are new and unique; They require new knowledge gained from a deep understanding of complex issues that have been examined and the solutions being discovered. Emerging Challenges, Solutions, and Best Practices for Digital Enterprise Transformation explores the key challenges being faced as businesses undergo digital transformation. It provides both solutions and best practices for not only handling and solving these key issues, but for becoming successful in digital enterprise. This includes topics such as security and privacy in technologies, data management, information and communication technologies, and digital marketing, branding, and commerce. This book is ideal for managers, business professionals, government, researchers, students, practitioners, stakeholders, academicians, and anyone else looking to learn about new developments in digital enterprise transformation of business systems from a global perspective. |
What Is Digital Transformation? - IBM
Digital transformation is a business strategy initiative that incorporates digital technology across all areas of an organization. It evaluates and modernizes an organization’s processes, …
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Ocash is a digital cash application specialist, the latest recruit for the finance and accounting function. It’s often helpful to consider and position your digital workers in the roles that they …
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Business model innovation involves the redesign of the bank's overall strategy and operating model, with the aim of achieving a sustainable competitive advantage. ... In addition, the same …
Driving Growth In The Middle Market For Over 40 Years
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Financial Inclusion Strategy, 5 countries with similar financial inclusion rates to Nigeria’s were evaluated. This comprises Ghana (West Africa), Mexico (North America), ... Microfinance, and …
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6 Post and Telecommunications Department, Universal Service Strategy for Myanmar (2018 to 2022), Draft for public consultation Digital Economy Development Master Plan drawn from and …
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Adapting to Digital Disruption: A digital transformation …
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NIGERIA—FOSTERING FINANCIAL INCLUSION THROUGH DIGITAL FINANCIAL SERVICES 1 A. Financial Inclusion: Achievements and Challenges 1inancial inclusion rates have gradually …
Bringing together all aspects of digital operational resilience
a detailed and comprehensive framework on digital operational resilience for financial entities. What does digital operational resilience mean? According to DORA: “The ability of a financial …
The rise of digital platforms in financial services - KPMG
The rise of digital platforms in financial services/January 2018 Based on current trends, digital platforms will become the preferred and dominant business model for banks and financial …
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Ethiopia’s National Financial Inclusion Strategy. The ideas are grouped into four thematic sections: advancing women’s careers in finance; closing gender gaps in ... take-up, use, and …
DIGITAL ACCESS - International Finance Corporation
The launch and growth of digital financial services has led to an unprecedented increase in the number of people enjoying access to formal financial services. Today, Africa is home to more …
National Financial Inclusion Strategy 2020-2024 - cbl.org.lr
The NFIS Framework is built on three main pillars: i) Access to Financial Services and Credit, ii) Digital Financial Services, and iii) Consumer Protection and Financial Capability. Thus, …
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Technology is transforming the financial services industry, including through wider and quicker access to services that are no longer bound by geographical boundaries. At the same time, it is …
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a large multinational financial services organisation will not necessarily choose to offer products and services to everyone. Instead its strategy will focus on the target areas – or segments – …
The Current State of Financial Inclusion in Bhutan and the …
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Stay Competitive in the Digital Age: The Future of Banks, …
financial inclusion, but less digitally advanced customers may find it even harder to access banking services, and some bank employees may lose their jobs due to automation. The paper …
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benefits of digital finance—financial services delivered via mobile phones, the internet or cards—have been widely noted, in this report we seek to quantify just how large the economic …
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for digital identity in financial services and beyond and lays out a blueprint for the ... This document is intended as a guide for Chief Strategy Officers of Financial Institutions as well as …
Digital Finance Package: Commission sets out new, ambitious …
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Point of View: Digital Assets Strategy
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Six digital growth strategies for banks - McKinsey & Company
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Maybank unveils M25 Plan to accelerate growth and drive …
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Analysis of Marketing Strategies of Commercial Banks under …
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Digital Financial Literacy - ed
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Advancing Women-Led MSMEs through Digital Financial …
digital divide, providing access to digital financial services, and capturing data on women-led MSMEs to track progress. ... led MSMEs in the strategy . and execution of digital public …
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Digital Financial Services in Lao PDR - ASEAN Main Portal
3. Strategy for Payment Systems Development (2021-2025) To develop payment infrastructure, systems and services to be interoperable domestically and internationally,to encourage the …
Statement on Developing an Innovative Australian Digital …
services or withdraws banking services from existing customers, is a global challenge. The digital asset sector is a key sector affected by de-banking. De-banking can have a devastating impact …
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10 DATA ANALYTICS AND DIGITAL FINANCIAL SERVICES International Finance Corporation (IFC) supports institutions seeking to develop digital financial services (DFS) for the expansion …
DIGITAL TRANSFORMATION OF MICROFINANCE AND …
Digital financial services (DFS) are spearheading greater financial inclusion in Sub-Saharan Africa, with 338 million registered accounts in 2017 and a significant boost in penetration from …
SIERRA LEONE NATIONAL DIGITAL DEVELOPMENT STRATEGY
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