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The 5 Traits Of Digitally Advanced Companies

Digital transformation not only means adopting a constellation of technologies — including cloud, data analytics and online channels — but also making fundamental changes to corporate culture. Employees up and down the ranks should have a stake in the process, and be given latitude to experiment …

Innovation

The new, subtle ways the rich signal their wealth

<i>Editor’s Note (18 December 2017): Through to the end of the year, BBC Capital is bringing back some of your favourite stories from 2017.</i><p>In 1899, the economist Thorstein Veblen observed that silver spoons and corsets were markers of elite social position. In Veblen’s now famous treatise <i>The Theory of</i> …

Income Inequality

Banks are looking to use artificial intelligence in almost every part of their business: Here's how it can boost profits

LONDON — Banks are getting excited about the potential of artificial intelligence in finance, with hopes that AI could both cut costs and boost revenues.<p>Artificial intelligence has advanced in recent years and financial services companies are now looking at its potential applications in both …

Artificial Intelligence

Closing the Strategy-Execution Gap Means Focusing on What Employees Think, Not What They Do

When you embark on a new strategic journey to sustain and grow your organization in an uncertain world, what do you prioritize? If you’re like most of the leaders we know, you start with organizational structure and processes.<p>This would be a mistake.<p>In 2016 we asked 80 senior executives from 20 …

Exclusive: Ideo’s Plan To Stage An AI Revolution

The prominent design consultancy acquires Datascope, a Chicago-based data science company, to help merge machine learning and human-centered design.<p>Today, the design consultancy Ideo announced that it has acquired Datascope, a Chicago-based data science company. The acquisition is meant to help …

Artificial Intelligence

The Design Value Index Shows What “Design Thinking” Is Worth

IBM CEO Thomas Watson Jr. famously declared “good design is good business.” Jeneanne Rae has the numbers to prove it.<p>In 2013, Rae, founder of …

Which Industries Are the Most Digital (and Why)?

When business leaders talk about going digital, many are uncertain about what that means beyond buying the latest IT system. Companies do need assets like computers, servers, networks, and software, but those purchases are just the start. Digital leaders stand out from their competitors in two …

Creating Brand Personas with Machine Learning

As a developer, I don’t usually sit in on our brand strategy meetings, but seeing as this particular meeting was about 20nine’s brand, I was able to …

Obsess Over Your Customers, Not Your Rivals

The starting point of most competitive analysis is a question: Who is your competition? That’s because most companies view their competition as another brand, product, or service. But smart leaders and organizations go broader.<p>The question is not <i>who</i> your competition is but <i>what</i> it is. And the answer …

Design Thinking Needs To Think Bigger

Design thinking, as it was conceived 15 years ago, has outlived its usefulness. Enter systems thinking.<p><i>The following is the second of two excerpts from</i> The Way to Design<i>, a guide to becoming a designer founder and to building design-centric businesses. It was adapted and reprinted with the author’s</i> …

Design

Finding the right digital balance in B2B customer experience

Growing numbers of B2B companies are focusing on digitization to succeed with customer-centric strategies. Here’s how to get it</b> …

INTERNET OF THINGS – BUSINESS MODELS

Internet of Things (IoT) is a network of things connected to each other and refers to an ecosystem comprising of objects, connectivity and …

How using Design Thinking will fix Design Thinking

Design Thinking continues to be a hot topic (this article is one of many talking about it). Design Thinking has been hyped and even fetishized but …

Amazon Strategy Teardown: Building New Business Pillars In AI, Next-Gen Logistics, And Enterprise Cloud Apps

Amazon is the exception to nearly every rule in business. Rising from humble beginnings as a Seattle-based internet bookstore, Amazon has grown into …

eCommerce

Replacing Personas With Characters

Read the Persona* (please see notes below) below and then learn what your brain does.<p><i>Alan is a 30 year old white male living in New York. 6 months</i> …

UX Design

The Three Levels of Design

Norman suggests that when using a product, our emotional state affects the utility we derive and our experience. People in positive emotional states are prone to be more creative since their thinking is more expansive and helps them in finding alternatives to the problem at hand.<p>A negative or …

Design

Bank Products Are Dead. "Long Live Experiences!"​

Since 2005 I’ve been predicting the fundamental decline of branch banking. For almost 10 years I fought bankers who decried my assessment that …

Tech Hits The Home: 25 Startups Transforming The Mortgage Industry

Mortgages are a highly regulated product, and since the Great Recession, a slew of companies have launched that use technology to either simplify or …

Venture Capital

The Top 5 Banking Trends for 2017

Without a doubt, 2016 was the year ‘disruption’ became tangible. Events like Brexit, the U.S. election and India’s demonetization exercise brought …

The Most Common Reasons Customer Experience Programs Fail

Most customer experience (CX programs) are positioned as strategic, but quickly veer away from business objectives and become simply about tracking CX metrics. Time passes slowly, data continues to mount, and paralysis sets in. Big, strategic goals evolve into score improvements and incrementalism …

4 banking business models for the digital age

Digitization of the banking industry is making new banking business models possible. But, it is the combination of regulation and technology that is …

Design Doesn’t Scale.

Design Doesn’t Scale is a statement that has bothered me for the last four-years. When I joined Spotify’s design team in 2012, the level of …

White Paper: Man and Machine

A view into what Robo-Advisors are & why Financial Services companies should consider embracing this new investment tool/technology.<p><i>The Robo-Advisors</i> …

Wealthfront vs. Betterment vs. Vanguard vs. FutureAdvisor vs. SigFig

Online Portfolio Management and Retirement Investing

<b>INVEST IN MARKETS (ASSET CLASSES) INSTEAD OF INDIVIDUAL STOCKS</b><p>MarketRiders will never advise you to chase a hot stock tip. In fact, we won't advise …

Online Portfolio Management, DIY or Fee-Based Financial Advisor: Which Is Right For You? | Investopedia

A number of online services promise to help you maximize your investment returns for a minimal fee. Should you use one of these services, or do …

Ticker : Stocks Portfolio Manager for Investors on the move.

See your overall positions and<br>Profit/Loss clearly and beautifully.<p>Enter your trades, dividends,<br>splits and Ticker does all the<br>calculations for you<p>Full …

The 4 Top Portfolio Management Apps | Investopedia

Your portfolio might include any combination of financial assets: stocks, bonds, mutual funds, ETFs, 401(k)s or IRAs. Keeping track of all these …

The easiest way to manage improve your investments