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| financial services product development: Developing New Financial Products Gary H. Raddon, 1990 |
| financial services product development: Creating Value in Financial Services Edward L. Melnick, Praveen R. Nayyer, Michael L. Pinedo, Sridhar Seshadri, 2012-12-06 Creating Value in Financial Services is a compilation of state-of-the-art views of leading academics and practitioners on how financial service firms can succeed in today's competitive environment. The book is based on two conferences held at New York University: the first, `Creating Value in Financial Services', held in March 1997, and the second, `Operations and Productivity in Financial Services', in April 1998. The book is essentially designed to be a compendium of leading edge thinking and practice in the management of financial services firms. There is no book today that has this focus. It contains ideas that can apply to other service industries. Topics addressed are increasingly important worldwide as the financial services industries consolidate and search for innovative new directions and ways to create value in a fiercely competitive environment. |
| financial services product development: Product Development in Islamic Banks Habib Ahmed, 2011-01-27 A systematic study of the process of developing Islamic financial products for banks.Islamic banking began in the 1970s with the aim of providing financial services compatible with Islamic law. Driven by market forces it has grown rapidly in Muslim countries and in international financial sectors. It is projected to grow at an annual rate of 15-20% and a key factor determining this future growth is the availability of new products that will satisfy the needs of various segments of society.While other texts discuss the basic principles and contracts used in Islamic banking and finance, few discuss how these can be used to develop financial products. This book fills that gap, starting with the basic principles that form the building blocks of contemporary Islamic financial products and then discussing the more intricate issues relating to product development processes.Key FeaturesDiscusses the different stages of the product development cycle in detailIncludes case studies showing the structures of various productsCritically evaluates the issues related to product development including the types of products used by Islamic banks and the approaches adopted in developing themThe author is well-positioned to write this text, having been an economist at the Islamic Development Bank Group in Saudi Arabia (1999-2007) |
| financial services product development: Winning at New Products Robert G. Cooper, 2017-09-19 For more than two decades, Winning at New Products has served as the bible for product developers everywhere. Robert G. Cooper demonstrates why consistent product development is vital to corporate growth and how to maximize your chances of success. Citing the author's most recent research, Winning at New Products showcases innovative practices by industry leaders to present a field-tested game plan for achieving product leadership. Cooper outlines specific strategies for making sound business decisions at every step-from idea generation to launch. This fully updated and expanded edition is an essential resource for product developers around the world. This is a must read. There's so much new in this book, from how to generate the breakthrough ideas, picking the winners, and driving them to market successfully. -- Philip Kotler, Professor of International Marketing, Northwestern University, Kellogg School of Management |
| financial services product development: Operations in Financial Services Michael Pinedo, Yuqian Xu, 2017-12-21 Operations in Financial Services establishes a framework for this research area from an operations management perspective. The first section presents an introduction and provides an overview of the topic. The second section establishes links between the current state of the art in relevant areas of operations management and operations research and three of the more important aspects of operations in financial services - (i) financial product design and testing, (ii) process delivery design, and (iii) process delivery management. The third section focuses on the current issues that are important in the financial services operations area. These issues center primarily on mobile online banking and trading in a global environment. The fourth section discusses operational risk aspects of financial services. The final section concludes with a discussion on research directions that may become of interest in the future. |
| financial services product development: 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. |
| financial services product development: Financial Services Marketing Christine Ennew, Nigel Waite, Róisín Waite, 2017-11-07 Now in its 3rd edition, Financial Services Marketing offers a balanced and useful guide to the topic that is both conceptual and practical. The authors have drawn from extensive international experience to ensure that this text will resonate with users across the globe. This edition is complemented by numerous international references, examples and case studies featuring companies such as American Express, Direct Line, Barclays, NatWest RBS, Aviva and HSBC. This fully updated and revised edition features: An expanded section on regulation which has international reach and addresses the post-Brexit world Greatly expanded coverage of digital marketing at both the strategic and tactical levels New material on how to improve a company’s trustworthiness and safeguard a culture that is customer-focussed New examples, vignettes and case studies that showcase best practice from around the world B2B and B2C marketing Upgraded PowerPoint support on the companion website Financial Services Marketing 3e will be hugely beneficial to academic students of marketing and finance, as well as essential reading to those industry-based and studying for professional qualifications. |
| financial services product development: Financial Services Marketing Tina Harrison, 2000 Financial Services Marketing is an ideal introduction to this important sector, clearly demonstrating how marketing theory is applied in practice. Logically structured around the core marketing principles (buyer behaviour, segmentation, product development, distribution, pricing and promotion), the book is exceptionally clear and well written. In addition, topical and innovative approaches to marketing are also covered, including relationship marketing and customer loyalty. Unlike many other texts, the book does not focus exclusively on the retail environment but incorporates technological developments in delivery systems, including telephone and internet banking, and the use of IT in database marketing. Furthermore, it is the first text of its kind to devote a whole chapter to corporate financial services marketing. Critical to any text within this fast-moving environment, the book is also extremely up-to-date covering the latest regulatory developments under the Financial Services Authority and new forms of financial institutions, such as supermarket banks. Financial Services Marketing is for advanced undergraduate and postgraduate courses in financial services marketing, as well as professional courses such as the Chartered Institute of Bankers. It is also valuable to students studying services marketing courses. |
| financial services product development: PRODUCT MANAGEMENT Prabhu TL, Have you ever wondered who helped create the digital experiences you enjoy, such as watching a movie on a streaming service or chatting with a coworker on your company's messaging system? The answer is that many people were involved in the creation of each product, but the product manager is one of the most important parts of any digital experience's development. If you're a creative person who enjoys developing new products and services for a wide range of people, a career in product management could be right up your alley. So, what exactly is product management, and what makes a great product manager? Learn how to get started in a product management role, how PMs fit into various teams, and how to determine if a career in product management is right for you in this book. Even though product management is a critical part of any product development team, it hasn't always been a formalised position in digital companies for a long time. It is generally accepted that product management refers to a position within a product development team tasked with overseeing the smooth running of all phases involved in the creation of a product. Product managers are typically in charge of implementing product management practises. This includes developing and presenting product and feature concept pitches Product development is a collaborative effort between engineering and design teams to bring the product to life. A key difference between product and project management is this: product management focuses on the overall product vision, while project management focuses on the specifics of each individual project. As a product manager, you're like the executive chef of your company's product. Even though they work for a company that has a CEO, they don't own the restaurant they work in. Their overall success in the company's outputs and products, as well as shaping the vision of each feature that helps them achieve their goals and satisfy their customers, is, however, their responsibility. When it comes to launching new products and services, product managers play an important role. At the intersection of UX or user experience, engineering, and business leaders, they serve as the glue that keeps the shared product vision together. A product manager's most important role is to identify the product's success criteria; outline the product strategy; and explain how it will affect the customer and the company's objectives. The lack of a product owner's voice would make it difficult for teams to navigate the many competing interests in both large and small organisations. Despite the fact that all product management roles and product teams have similar responsibilities, there are a few nuances that are specific to the titles and descriptions of each position. It is common to come across titles that indicate different levels of product management experience, such as CEO, Product Owner, and Associate Product Manager. |
| financial services product development: Fintech and the Remaking of Financial Institutions John Hill, 2018-05-17 FinTech and the Remaking of Financial Institutions explores the transformative potential of new entrants and innovations on business models. In its survey and analysis of FinTech, the book addresses current and future states of money and banking. It provides broad contexts for understanding financial services, products, technology, regulations and social considerations. The book shows how FinTech has evolved and will drive the future of financial services, while other FinTech books concentrate on particular solutions and adopt perspectives of individual users, companies and investors. It sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts. - Presents case studies that depict the problems, solutions and opportunities associated with FinTech - Provides global coverage of FinTech ventures and regulatory guidelines - Analyzes FinTech's social aspects and its potential for spreading to new areas in banking - Sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts |
| financial services product development: Housing Microfinance Franck Daphnis, Bruce Ferguson, 2004 * First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income. |
| financial services product development: Marketing and Mobile Financial Services Aijaz A. Shaikh, Heikki Karjaluoto, 2018-12-21 Mobile financial services (MFS) are of major interest and importance to both researchers and practitioners. The role played by nonbanking actors including telecoms and FinTech firms as well as other participants, such as PayPal and Amazon, in developing and deploying innovative financial and payment services is undeniable. Peer2peer (P2P) payments from nonbank services are becoming increasingly commonplace and will shortly be codified by EC (EU?) regulations requiring banks to provide access to consumer data for third-party app developers and service providers. Three major mobile financial systems—mobile banking, mobile payments, and branchless banking—currently dominate the electronic retail banking sector. Although interconnected and interrelated, their business models, regulatory frameworks, and target markets are distinct. This book provides a unified perspective on MFS and discusses its evolution, growth, and future, as well as identifying the frameworks, stakeholders, and technologies used in financial information systems in general and MFS in particular. Academics and researchers in digital and financial marketing will find this book an invaluable resource, as will bank executives, regulators, policy makers, FinTech professionals, and anyone interested in how mobile technology, social media and financial services will increasingly intersect. |
| financial services product development: Holistic Product Development J. H. Welsch, 2019-02-20 Aggressive development of new products is one of the most effective way of increasing shareholder value and minimizing the risk of being rendered obsolete by the disruptive innovations of others. This holds true whether the organization produces airplanes or snack foods, computer chips or financial services. And, yes, a service is as much a product as is a physical one. Many see new product development as the responsibility of marketing. Others assign it to engineering. The truth is that, in any organization with an eye to the future, new product development is the responsibility of virtually every department, with overall leadership provided by top management. In order for all involved to work together effectively, each must understand how product development fits organizational strategy, the principles of the activity and the roles of all participants. Unlike the countless books that address the various aspects of product development; strategy, customer research, creativity, the development process, and so on, this book brings it all together to present a holistic understanding of the broad subject of new product development. Whether you work in the public or private sector; whether your organization makes a physical product or your product is better known as a service, this book is for you. It's for you whether you are a novice or experienced practitioner; whether you work in finance, production, marketing, sales, engineering, quality, or any of the other disciplines upon which success depends. The book is for you whether you wish to understand the whole picture or simply to learn how to do your own job more effectively. If you are an owner or executive, the book is most especially for you. Oh, and if you are still a student who cannot now know where your career will lead but want to be on the leading edge of an organization, it's very much for you. Among the many important topics are: Disruption; what it is and how it can propel your organization to unimagined heights or see it sent to oblivion. Strategy; how to create a new product strategy that supplements that of the overall organization by aligning efforts and focusing resources. Leveraging the investment; how clear organizational and new product strategies and a climate and culture that actively encourage collaboration and measured risks is essential. Customer centricity: how to understand customer needs before he understands them himself by observing more than asking. Creativity; how to engender creativity and channel it towards the generation of breakthrough products. Process; how adherence to a disciplined yet flexible process, led by top management, will help to accelerate game-changing products to market. Effective product introduction, including such issues as positioning and pricing. Intellectual property; the importance of patents and trademarks in protecting your investment, what they mean and how to obtain them. And Product Safety and Products Liability; The moral and legal imperative to develop safe products and the ramifications of failing to do so. |
| financial services product development: A System Engineering Approach to Financial Services Product Development Szu-Han Wu, 2002 |
| financial services product development: Marketing Financial Services Mike Wright, Trevor Watkins, 2010-02-17 Within a practical business context of the changing, competitive climate, this book details the implications for marketing strategy. New chapters cover topics such as credit cards and customer care, while several relevant case studies have also been added. Combining analysis of principles, concepts and techniques with sound practical advice, 'Marketing Financial Services' is ideal for students on degree and postgraduate courses, including Chartered Institute of Bankers. There is also a tutor resource pack to accompany the case studies in this textbook. |
| financial services product development: Product and Services Management George Avlonitis, Paulina Papastathopoulou, 2006-04-11 `A text that successfully bridges the gap between academic theorizing and practitioner applicability because it uses multiple real-world examples/mini-cases of management techniques to illustrate the well-researched academic theoretical foundations of the book′ - Creativity and Innovation Management `A complete and useful treatment of the domain of product and service decisions. This book is unique in its treatment, dealing with product and service portfolio evaluation, new product/service development and product/service elimination in an integrated manner. Enlivened by many mini-cases, the book provides a soup-to-nuts approach that will prove very attractive for students and be a valuable reference for managers as well. Highly recommended′ - Gary L Lilien, Distinguished Research Professor of Management Science, Penn State University `Product and Services Management (PSM) is a welcome, up to date summary of the key issues facing firms in developing and refreshing their portfolios. The examples and cases bring the academic arguments clearly into focus and demonstrate the crucial role of PSM in leading the overall strategy of the firm′ - Professor Graham Hooley, Senior Pro-Vice-Chancellor, Aston University, Birmingham `Managers responsible for and students interested in product portfolio decisions previously had to consult several sources for obtaining up-to-date information; books on new product development, articles on service development, readers on product management, and frameworks for product evaluation and termination. With the book Product and Services Management the reader obtains four-in-one. Avlonitis and Papastathopoulou reveal in a compelling and comprehensive manner why product decisions are the cornerstone of modern marketing and business, and illustrate the theory with numerous mini-cases from Europe and elsewhere. A must read for everyone with a passion for products′ - Dr Erik Jan Hultink, Professor of New Product Marketing, Delft University of Technology This book provides a holistic approach to the study of product and services management. It looks at the key milestones within a product′s or service life cycle and considers in detail three crucial areas within product management, namely product/service portfolio evaluation, new product/service development and product/service elimination. Based on research conducted in Europe and North America, this book includes revealing cases studies that will help students make important connections between theory and practice. The pedagogical features provided in each chapter include chapter introduction, summary, questions and a further reading section. Additional material for instructors include PowerPoint slides and indicative answers to each chapter′s questions. This book is written for undergraduate and postgraduate students of business administration who are pursuing courses in marketing, product portfolio management, new product development and product policy. |
| financial services product development: Product portfolio management and corporate performance in the banking sector , 2005 |
| financial services product development: New Service Development James A. Fitzsimmons, Mona J. Fitzsimmons, 2000 This text addresses the issues of how to develop new service products - where the concept of service has moved from transaction to experience. The authors draw upon the expertise of internationally recognised authors. |
| financial services product development: 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. |
| financial services product development: Marketing Techniques for Financial Inclusion and Development Jain, Dhiraj, Sharma, Adya, 2018-06-01 Financial inclusion has been one of the most propagated ideologies in countries, and as a result, significant efforts have been taken to nurture institutions and systems to include an array of socio-economic classes. Various financial institutions and societies have taken steps toward financial inclusion, but to be successful, they need to understand how to accurately target and market their potential customers as well as the new avenues for development. Marketing Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketing techniques adopted by various financial institutions and societies for promoting financial inclusion initiatives for the development of the society at large. Featuring coverage on a broad range of topics such as consumer awareness, financial literacy, and micro-enterprises, this book is geared towards managers, investors, brokers, researchers, and all others within the banking industry. |
| financial services product development: Sustainable Development and Infrastructure Amadou Thierno Diallo, Ahmet Suayb Gundogdu, 2021-02-08 Most books on Islamic finance and development issues are written from an academic perspective. Although academic reflection is key for future direction, dissatisfaction with previous development efforts, as evidenced by their lack of sustainability, suggests the need for a different type of review. Development work is complex and requires a detailed and transparent approach in order to ensure a cogent resolution for potential long-term issues. Each intervention area requires specific elaboration for meaningful impact. The perfect solution for one sector might be detrimental for another. Islamic finance, with its strict Riba restrictions, rules, and other checks and balances, is a good fit for infrastructure development in pursuit of sustainable development. When it comes to sustainable development, this book argues, Islamic finance has the tools to intervene for maximum impact. However, the issue of sustainability is not only related to Islamic finance; more policy discourse is needed. This requires guidance from the principles of Islamic economics, as well. This book discusses infrastructure development vis-à-vis sustainable development, drawn from decades of real-life development banking experience, and proposes impactful intervention methods based on wisdom from Islamic economics and finance. |
| financial services product development: Effects of Information Technology on Financial Services Systems , 1985 |
| financial services product development: The Financial Services Guide to Fintech Devie Mohan, 2020-01-03 Fintech has emerged as one of the fastest growing sectors in the financial services industry and has radically disrupted traditional banking. However, it has become clear that for both to thrive, the culture between fintech and incumbent firms must change from one of competition to collaboration. The Financial Services Guide to Fintech looks at this trend in detail, using case studies of successful partnerships to show how banks and fintech organizations can work together to innovate faster and increase profitability. Written by an experienced fintech advisor and influencer, this book explains the fundamental concepts of this exciting space and the key segments to have emerged, including regtech, robo-advisory, blockchain and personal finance management. It looks at the successes and failures of bank-fintech collaboration, focusing on technologies and start-ups that are highly relevant to banks' product and business areas such as cash management, compliance and tax. With international coverage of key markets, The Financial Services Guide to Fintech offers practical guidance, use cases and business models for banks and financial services firms to use when working with fintech companies. |
| financial services product development: Creating Breakthrough Products Jonathan Cagan, Craig M. Vogel, 2002 Creating Breakthrough Products describes the new forces driving product development that companies must master if they want to lead and innovate. It is a step-by-step guide to the new ideal in product development. |
| financial services product development: 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. |
| financial services product development: Marketing Financial Services Jillian Farquhar, Arthur Meidan, 2017-09-16 Marketing Financial Services recognises that the major function of the financial services marketer is decision making. It focuses on the major types of decisions – and problems - facing marketing executives. Strategies to win and retain B2B and B2C customers are discussed in the context of many financial services sectors, including banks, insurance companies, investment trusts and stock exchanges. This second edition has been thoroughly updated to reflect changes in the industry and the availability of new technologies. The text has been made more accessible and includes gripping case studies to demonstrate the realities of financial services marketing in an unstable and competitive environment. Key features: - Logical structure and improved pedagogy, including new vignettes and detailed case studies - An experienced and established author team gives expert advice - International coverage shows you the big picture - Companion Website, offering PowerPoint slides, revision questions and answers to case study exercises, and long case studies with notes and exercises |
| financial services product development: Artificial Intelligence in Banking Introbooks, 2020-04-07 In these highly competitive times and with so many technological advancements, it is impossible for any industry to remain isolated and untouched by innovations. In this era of digital economy, the banking sector cannot exist and operate without the various digital tools offered by the ever new innovations happening in the field of Artificial Intelligence (AI) and its sub-set technologies. New technologies have enabled incredible progression in the finance industry. Artificial Intelligence (AI) and Machine Learning (ML) have provided the investors and customers with more innovative tools, new types of financial products and a new potential for growth.According to Cathy Bessant (the Chief Operations and Technology Officer, Bank of America), AI is not just a technology discussion. It is also a discussion about data and how it is used and protected. She says, In a world focused on using AI in new ways, we're focused on using it wisely and responsibly. |
| financial services product development: Handbook of New Product Development Management Christoph Loch, 2008 This text provides a comprehensive view of the challenges in managing the development of new products from well-known and leading contributors in the field. |
| financial services product development: Modern Banking and Digitalization Vitaliy Shpachuk, |
| financial services product development: Handbook of Research on New Product Development Peter N. Golder, Debanjan Mitra, 2018 New products are the major driver of revenue growth in today's dynamic business environment. In this Handbook, the world's foremost experts on new product development bring together the latest thinking on this vitally important topic. These thought-leading authors organize knowledge into useful and insightful frameworks covering all aspects of new product development: companies, collaborators, customers, context, markets, and performance. Managers will benefit from the handbook by expanding their knowledge of new product development and researchers will learn about opportunities to continue expanding on this body of knowledge. |
| financial services product development: User Driven Product Development Kristina Risom Jespersen, 2008-03-10 User-driven product development is the art of interacting with users in all stages of the innovation process. The quest for user-driven product development creates a collaborative mindset of user-involvement in new product projects. Users are to be regarded as valuable, knowledgeable and innovative resources to product development. The book starts with the design elements of a user-involving product development culture. Based on this, managers and students are invited to study the complexity and challenges of performing user-driven product development in organizations. The significant mechanisms of user-driven product development are described and discussed in detail and through generous use of examples and cases. The main themes of the book are: * The framework of user-driven product development * Information competences demanded by user-driven product development * How to collaborate with users about new product projects * The user-interacting potential of information and web technol |
| financial services product development: Cross-Selling Financial Services Clifton Warren, 2017-11-30 This book is about generating profitable revenue from existing clients, and converting part-time clients into 100 percent full-time clients. Professionals and firms that offer financial services want to enjoy continued organic growth, and maximize the value of their business. Retaining and developing existing clients is one of the challenges they encounter in the process. The financial services industry is currently facing several key challenges: increasing competition, industry consolidation, rapidly changing technology, a soft market (for rates, premiums, and fees), and an increasing number of regulatory requirements. All these factors make it difficult for firms to produce consistent, positive, organic growth. This book is a follow-up to the author's previous book The Financial Sales Handbook: A Professionals Guide to Becoming a Top Producer. Although this book is an extension of the first, readers can be confident in approaching it as a stand-alone book. Cross-Selling Financial Services: A Professional's Guide to Account Development is for experienced professionals and firms who want to protect their existing top clients and revenue, and maximize the long-term growth and profitability of their business. The book will also help professionals to sharpen their account development capabilities. It is designed to be the nucleus for corporate training programs, as well as a guide for self-employed professionals who must market and sell to stay in business. |
| financial services product development: #noprojects: A Culture of Continuous Value Evan Leybourn, Shane Hastie, 2018-07-18 Today success comes from building products people love, creating loyal customers and serving the broader stakeholder community. In this thoughtful exploration on the future of work, the authors explore the past, present and future of the project. And why, in today's fast changing & hyper-competitive world, running a temporary endeavour is the wrong approach to building sustainable products and how #noprojects is fundamentally changing the way companies work. The metrics by which we have historically defined success are no longer applicable and we need to re-examine the way value is delivered in the new economy. This book starts from the premise that our goal is to create value, for the customer, for the organisation and for society as a whole and shows how to empower and optimise our teams to achieve this. The authors draw on modern management approaches to provide proven techniques and tools for producing, and sustaining, creative products that go beyond meeting requirements. |
| financial services product development: Total Value Development: How To Drive Service Innovation Frank Montgomery Hull, Christopher David Storey, 2016-08-10 Total Value Development provides a framework to help businesses innovate and derive greater value from the services they offer. The secret is to devise an innovative model built on total value creation, identified as the total value development (TVD) model.The TVD model has broad applicability for any large organization. Here, case studies are presented showing the effectiveness of the TVD model in its practical application within companies. Statistical evidence is used to recommend improvements to performance outcomes, such as time compression, cost reduction, quality and innovation. Studies of over 100 service enterprises in the United States and the United Kingdom provide compelling evidence for benefits from business model innovation. Additional material in the form of guidance forms give readers the tools needed for the implementation and recording of successful in-project value development.Providing both a practical framework and real-life examples of adding value to current business practices, this book is essential reading for executives, managers and researchers in the field of business and innovation. |
| financial services product development: Management Of Banking And Financial Services, 2/E Suresh Padmalatha, 2011-09 The dynamic banking and financial services environment in the country calls for prudent decision making under pressure. Management of Banking and Financial Services provides students and practitioners with a thorough understanding of managerial issues in the banking and financial services industry, enabling them to evaluate the overall organisational impact of their decisions. The first section of the book focuses on the basic concepts of banking and financial services, and the other sections explain how these concepts are applied in the global banking environment as well as in India. In addition to presenting the big picture of the banking and financial services industry, the book also provides useful tips on the trade-off between risk and return. |
| financial services product development: Rural women and financial inclusion Maftei, A., 2024-03-25 Improving the gender-responsiveness of design and delivery of rural finance interventions through innovative approaches and mechanisms is important for promoting rural women’s economic empowerment. This document highlights practical and actionable approaches from the sector in order to guide the work of practitioners engaging at country level to pursue the above objective. Part I of this Technical Guidance Note provides an overview of the main barriers and constraints that inhibit rural women’s financial inclusion. Part II offers a step-by-step approach to analysing the state of gender equality within a specific country or context, with the purpose of diagnosing potential entry points for interventions that aim to increase rural women’s financial inclusion. It then offers a summary of best practices for addressing the main barriers to rural women’s access to and use of financial services, and offers various case studies to illustrate these best practices in action. The annex contains additional guidance and tools for conducting gender-focused diagnostic assessments and analysis. |
| financial services product development: Financial Services Industry United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 1983 |
| financial services product development: Crafting Service Processes Jean L. Harvey, 2019-03-22 As the title makes clear, this book is about the design and delivery of service experiences. This includes the design of installations, facilities, technologies and scripts used in the staging of such experiences. It introduces the reader to many fundamental notions in service operations, from positioning to execution, with much attention paid to human experiences such as those of customers and service workers; be they performing simple repetitive tasks or complex mental tasks. The subject is treated in an user-friendly manner with a storytelling context, focusing initially on every day services (coffee shops, fast food, supermarkets) and then moving on to complex services (lawyers, physicians, engineers, accountants). Contrary to popular hype, not all service experiences are meant to be memorable. If all you need is a cup of coffee and this is done quickly, effortlessly, and painlessly, thats good. If theres a little plus along the way, thats better: youll make a mental note that this is a good place to stop next time you are in the area. In an age of exponential technological change, service delivery processes are changing quickly and service industries are being creatively destroyed. You want to be the disruptor, willing to disrupt a large part of your actual income streams. The ability to maintain differentiation rests largely on an in-depth understanding of the service experience and operational excellence. The future belongs to the fastest learner. Intuition is only part of the story. |
| financial services product development: Service Innovation Joseph Tidd, Frank M. Hull, 2003 That generic good practices exist in the management and organization of innovation in services, which the authors seek to identify, but that these must be adapted to different contexts, specifically the scale and complexity of the tasks, the degree of customization of the offerings, and the uncertainty of the environment. |
| financial services product development: Official Gazette of the United States Patent and Trademark Office , 2003 |
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MarketWatch: Stock Market News - Financial News
Americans spend $10 billion more on Mother’s Day than Father’s Day. What’s going on? So your company offered you a buyout. Should you take it? Here’s what to know. Hate paying so much …
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Financial Times
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Fidelity Investments - Retirement Plans, Investing, Brokerage, …
Manage your own investments (stocks, ETFs, mutual funds, CDs, and more), with help from our free resources. With a Fidelity Roth IRA, you get the flexibility to save for retirement, while …
