Digital Bancassurance

Size: px
Start display at page:

Download "Digital Bancassurance"

Transcription

1 Digital Bancassurance Digital Bancassurance Conference Claudio Chiesa Head of Group Bancassurance 7 th October 2015 Istanbul

2 Agenda Generali Group at a glance Digital bancassurance contest Generali strategy & bancassurance

3 We are a global leader in Life and General Insurance, with worldwide presence 3 Source: Bloomberg

4 Agenda Generali Group at a glance Digital bancassurance contest Generali strategy & bancassurance Generali HO Milan

5 Context Customer behavior is shifting towards a hybrid approach 5 68% 27% 60% 38% 31% 34% Update personal details * Customers expect to have access to multiple channels Quote 54% 45% 33% 34% Get Information 52% 52% 43% 47% Change terms of policy 29% 50% 48% 46% 49% 45% 34% 46% 44% 43% Buy Claim Close Get advice Low Complexity of the interaction High Up to about 70% 45% of respondents prefer online and selfservice channels for simple interactions with the Insurer (e.g. information, quotation) * The survey enabled to give multiple answers to a single question Source: Accenture Consumer Driven Innovation Survey 2013 January 2014 Online Representative Call center of respondents expect more physical interactions with the company for complex interactions (e.g. Advice, Claim) The hybrid customer is Connected Informed Switched on multiple devices and "channels" Get relevant content with high frequency Look for he wants, whenever, wherever Look for unique experiences tailored on their Experiential personality and preferences Selfdirected Coproductive Social Engage with companies in product co-creation Rely on wisdom of crowds (Social Media, blogs, ) to share opinions

6 Context growth of digital channels and changes in consumer expectations will impact distribution 6 Main factors impacting company s distribution over the next 3 years Increasing interactions between physical and digital channels for sales and advice 1% 5% 36% 58% Increasing consumer usage of online channel and access points Accelerating changes in consumer expectations 8% 45% 47% 1% 7% 54% 38% Increasing consumer usage of mobile technology 11% 46% 43% Tougher regulatory changes with impact on sales & distribution Greater need for product innovation and personalization 4% 11% 33% 52% 1% 19% 51% 29% More sophisticated insurer usage of analytical capabilities/analytics 2% 19% 42% 37% Increased consumer price-sensitivity 1% 21% 52% 26%.. Very important Important Source: Accenture Digital Insurance Survey Europe Not very important Not important at all Regulation will also have a major impact for one insurer in two New regulations in distribution and sales will favor the growth of digitally enabled distribution. Increasing integration (60%) and usage (54%) of digital channels as well as the growing role of online and mobile technology for intermediation (59%) are the trends related to regulation that will have the most significant impact.

7 Agenda Generali Group at a glance Digital bancassurance contest Generali strategy - selected bancassurance examples

8 Generali Group strategy 1/4 8 Within this multitude of choice market context, where consumers have easy access to information and competitive offers Generali Group identified several Client Centric and Multi-channel distribution strategic initiatives Customers centricity Being simple and smart is the only way to become the preferred retailer among customers. For us, NPS is an approach, not just a metric Simpler processes, flexibility more personalization Placing the customer at the center of everything we do to improve customers persistency Generali strategy is about becoming the leading insurance retailer in Europe increasing value for shareholders by focusing on being simple and smart.

9 Generali Group strategy 2/4 9 Selected actions already taken Promotion of behavior based product offerings such as Vitality and through new smart partnerships such as OBI phones, expolit of data analytics potential Behavioral Value propositions European partnership with Discovery for the launch of services of vitality Platform A new insurance ecosystem by reengineering the value chain Economic benefits are shared among the stakeholders: Smart approach Generali has closed a deal with Obi Worldphones to embed its apps in the home screen Exploit data analytics potential Appointment of a Group Data Officer Acquisition of MyDrive Solutions, Company using data analytics tools to profile driving styles, with the aim of identifying innovative and tailor-made products for the customers. to develop country-specific apps in as many as 20 markets to reach more than 10 million prospective customers by 2017 Official launch in Vietnam on September The acquisition of MyDrive allows Generali to obtain a center of excellence in data analysis and will lead to the launch of a new Hub specialized in telematics solutions and know-how, serving all segments and business units.

10 Generali Group strategy 3/4 10 Selected actions already taken and recognition of the initiatives Telematics and domotics 360 P&C solution for clients needs and Health Client e.g. Wellness Insurance, value added services 2015 MIT Technology Review Nominated Generali as one of the 50 smartest companies globally House e.g. Domotics, value added services Motor e.g. Telematics, value added services MIT Technology Review

11 Generali Group strategy 4/4 11 evolving product offer to simple and smart solutions to meet more customer needs (e.g., prevention) Prevention and Protection to create value Simplicity to engage Flexibility and Trust to retain From Traditional Product Covers Covering single risks Cover Loss Step in when loss occurs Service as exception Limited to claim settlement or admin Stand alone and fragmented Push sale approach, advice needed Paper experience Traditional signature, paper formats Single Channel Customer forced, limited accessibility Risk based pricing with focus on policies as liabilities Manage policies One size fits all, static No personalized products Reactive and seldom interaction Especially in claims or admin issues To Bundles of products and services Covering all customer ecosystem risks Prevent loss Early warnings, stay healthy Services as a rule Interacting along client experience (e.g., leveraging Claims and EA) Easy to understand, simple and transparent Pull sale approach, advice a plus Digital experience Full online Omni access Hybrid clients Behavioural based pricing with focus on clients as our assets Connected / consumption based Modular and configurable Add/remove Payment terms (e.g., monthly, yearly) Proactive and frequent interactions Foster positive behaviours, advice

12 Digital Bancassurance selected examples: MULTICHANNEL 12 Cosmos Direckt completely reinvented term life sign-up towards an end-to-end digital model Front-end term life First quote can be reached with only a few data entries Back-end term life Progress shown at the top for the sake of transparency After product choice, customer guided to detailed sign-up process online Main contract points visually, detailed view possible Enables fully automatic underwriting in 67% of applications Health questions adjusted dynamically and answered in standardized form

13 Digital Bancassurance selected examples: WHITE LABEL 13 70% Market Share in Internet Banking

14 Digital Bancassurance selected examples: MOBILE SERVICE FOR CLIENTS Not only for having information but to perform transactions 14 Updated view of the invested portolio (contract information, asset allocation, transactions, portfolio evolution from subscription, etc) igenerali allows to insert alerts (up and down) on the invested funds and to effectively manage the investiment

15 Digital Bancassurance selected examples: MOTOR TELEMATICS The journey towards a Machine to Machine ecosystem is changing the way insurances will manage risks going forward s 2000 Now 2020? Traditional Motor Insurance Telematics Pay-as-you-drive Telematics Pay-how-you-drive Machine to machine Business opportunities Business line Motor Motor Motor All lines (including life and health) Example Tariffs based on just few basic information (age, sex, address, etc.) Tariff based effective use of the car Quality Driver Tariff based on driving behavior (e.g. speeding, stooping, approach to bends, etc.) Personal data during stressing activity (e.g. driving in a traffic jam) used as a predictor for health condition and life expectancy Technology driver No device collecting data GPS Mobile + Processing power Internet of things (e.g. Apple Watch) Data points 1 per year 1 per year 1 per second Thousands per second

16 Digital Bancassurance selected examples: MOTOR TELEMATICS Quality Driver : pay-how-you-drive motor TPL offer 16 Main pillars of Generali Quality Driver solution Quality Driver is a PHYD sophisticated Telematics insurance products leveraging all features of a Black Box installed on the car in aftermarket Quality Driver allows to link a TPL Telematics-based products with additional services enabled by technology Thanks to the Black Box all driving style and behaviors can be monitored and used in order to defined a renewal proposal Satellite car monitoring, allowing to: - Constant monitoring of car position, available real time in Genertel App - In casa of theft, assistance is activated in order to find the car (Stolen Vehicle Tracking SVT) Accident assistance, able to: - Send automatically assistance in case of severe accident (Ecall pro-active assistance feature) - Ask for assistance in case of breakdown (tire puncture, battery issue, ) B-call feature and towing truck service Quality Driver program, allowing to: - Calculate the Quality level reached according to driving style and behavior (respect of speed limit, number of sudden breakings and acceleration, hours usually driven (peak time, night time driving) - Reward positive behaviors (high Quality level) with discount of the renewal proposal (up to 25%)

17 Digital Bancassurance selected examples: MOTOR TELEMATICS Pago como conduzco is a Pay-As-You-Drive offer distributed by Generali Spain 17 Pago como conduzco pricing is based on two components The monthly adjustment is calculated on five parameters recorded by the Black Box Base starting premium + The base starting premium depends on: Features of the risk Covers taken out Statement of the policyholder regarding: mileage, respect of speed limit, driving time 1 Kilometers driven 2 Percentage of kilometers driven in excess of speed limit (10Km/h of tolerance) 3 Percentage of kilometers driven at night (from 11 pm to 6 am) & Additional monthly adjustment At the end of each month an additional monthly adjustment will be calculated based on driving behaviors and data coming from the Black Box installed in the vehicle 4 5 Number of sudden breakings and accelerations (event in excess of +0,4 G or -0,4G) Percentage of kilometers driven in urban area (velocity limit up to 50Km/h)

18 Digital Bancassurance selected examples: MOTOR TELEMATICS A light APP TPL product has been recently launched on the existing portfolio of Generali Spain 18 A dedicated APP for real time score monitoring and a simplified algorithm for calculating driving score Generali Seguros about to launch both new business and portfolio customers a telematic solution linked to the TPL product based on a APP This product allows to approach clients with a behavioral products without requiring to install additional devices on the car Awards, freezing premiums and driving tips are provided. 1 Kilometers driven Percentage of kilometers driven in excess of speed limit (30% of the total score) Number of sudden breakings and accelerations (50% of the total score) Distraction time, calculated considering time using the mobile phone while driving the car (20% of the total score)

19 Digital Bancassurance selected examples: DOMOTICS Connected Home is a reality. Europ Assistance France and SFR : Offer «Home by SFR» 19 Security Pack 9, 99 /month Premium Security Pack 19, 99 /month After launch in April 2014, Home Box has rapidly become the most preferred product for customers: up to January 2015, Security Packs have been sold

CONSIDERATIONS IN PRIVATE EXCHANGE MARKETPLACES

CONSIDERATIONS IN PRIVATE EXCHANGE MARKETPLACES Benefitfocus Solution Whitepaper CONSIDERATIONS IN PRIVATE EXCHANGE MARKETPLACES Over the past decade, the popularity and importance of consumeroriented, cost-conscious employee health plans has significantly

More information

Driving innovation. Data and analytics, IoT and Machine Learning. Karin Kruger KPMG Data & Analytics

Driving innovation. Data and analytics, IoT and Machine Learning. Karin Kruger KPMG Data & Analytics Driving innovation Data and analytics, IoT and Machine Learning Karin Kruger KPMG Data & Analytics Insurance is in uncertain times ( KPMG All rights reserved. Printed in South Africa. KPMG and the KPMG

More information

Big Ideas. Enabling customers and utilities to manage energy more effectively

Big Ideas. Enabling customers and utilities to manage energy more effectively Big Ideas Enabling customers and utilities to manage energy more effectively Utility providers can put digital platforms and tools to work for their consumers and their business - enabling families like

More information

m2m A Global Market Happening Now, With Telefónica Well Positioned Mr. Carlos Morales Global M2M, Cloud and Apps Director

m2m A Global Market Happening Now, With Telefónica Well Positioned Mr. Carlos Morales Global M2M, Cloud and Apps Director m2m A Global Market Happening Now, With Telefónica Well Positioned Mr. Carlos Morales Global M2M, Cloud and Apps Director M2M Main Messages Enormous opportunity already happening at M2M. Markets at both

More information

Fireside Chat: Harnessing AI technologies to Ensure a Seamless IoE Connected Experience

Fireside Chat: Harnessing AI technologies to Ensure a Seamless IoE Connected Experience Fireside Chat: Harnessing AI technologies to Ensure a Seamless IoE Connected Experience Gion Baker CEO, Vodafone Automotive Yossi Zohar Director, Communications Industry, Salesforce 2018 TM Forum 1 Every

More information

VEHICLE TRACKING AND STOLEN VEHICLE RESPONSE

VEHICLE TRACKING AND STOLEN VEHICLE RESPONSE SAVES ME MONEY GIVES ME FULL VISIBILITY MAKES MY LIFE EASIER KEEPS MY FAMILY SAFE WELCOME TO CTRACK VEHICLE TRACKING AND Ctrack s products have been designed and are professionally fitted to give safety

More information

International Research Journal of Engineering and Technology (IRJET) e-issn: AUTOMOBILE SAFETY ENHANCEMENT USING TELEMATICS T.

International Research Journal of Engineering and Technology (IRJET) e-issn: AUTOMOBILE SAFETY ENHANCEMENT USING TELEMATICS T. AUTOMOBILE SAFETY ENHANCEMENT USING TELEMATICS T.SANJANA 1 1U.G Scholar, Department of Mechatronics Engineering, Sri Krishna College of Engineering and Technology, Coimbatore, Tamil Nadu, India ----------------------------------------------------------------***--------------------------------------------------------------

More information

Bank of the Future. Discussion on the latest banking and digital trends and their implications. April 11-12, 2016

Bank of the Future. Discussion on the latest banking and digital trends and their implications. April 11-12, 2016 WORKING DRAFT Last Modified 4/1/2016 5:10 PM Central Europe Standard Time Printed Bank of the Future Discussion on the latest banking and digital trends and their implications April 11-12, 2016 Banking

More information

Using Master Data to Transform Insurance for Competitive Advantage

Using Master Data to Transform Insurance for Competitive Advantage Using Master Data to Transform Insurance for Competitive Advantage Gordon Sanders Copyright 2017 HCL Technologies Limited www.hcltech.com Industry Trends (Increasingly Focused) Pricing Pressure Growth

More information

Shifting Environment From a Focus on Products to Customer Centricity

Shifting Environment From a Focus on Products to Customer Centricity Shifting Environment From a Focus on Products to Customer Centricity Contents Section 1: Affinity Marketing Section 2: Customer Centricity: A Differentiating Factor Section 3: Customer Centricity in Bancassurance

More information

How fleets can use technology to manage driver behaviour and vehicle efficiency

How fleets can use technology to manage driver behaviour and vehicle efficiency How fleets can use technology to manage driver behaviour and vehicle efficiency Introduction Running a fleet efficiently and safely is a constant challenge, particularly when it comes to managing and monitoring

More information

WL Connected Living solutions. unlock the power. of Internet of Things. through engaging Connected Services

WL Connected Living solutions. unlock the power. of Internet of Things. through engaging Connected Services WL Connected Living solutions unlock the power of Internet of Things through engaging Connected Services Fast-growing adoption of IoT & M2M and increasing demand for an innovative IoT Cloud platform The

More information

F R E N C H R E TA I L

F R E N C H R E TA I L TRANSFORM F R E N C H R E TA I L B E R N A R D O S A N C H E Z I N C E R A 2 8. 1 1. 2 0 1 7 KEY MESSAGES 1 A CLEAR VISION A client centric, expert and efficient bank driven to satisfy our customers 2

More information

Inside magazine issue 16 Part 01 - From a digital perspective Re-envisioning the customer banking experience

Inside magazine issue 16 Part 01 - From a digital perspective Re-envisioning the customer banking experience Re-envisioning the customer banking experience Olivier de Groote Partner Financial Services Industry Leader Deloitte Cedric Deleuze Partner Technology Deloitte Deloitte s digital bank solution is fundamentally

More information

DIGITAL CASE STUDIES

DIGITAL CASE STUDIES DIGITAL CASE STUDIES 1 Digital Banking with an Internet-Only Bank Digital banking is at a tipping point, our clients are looking for support to create new digitally disruptive services while complying

More information

Scania driver services Connected Services & Driver Development

Scania driver services Connected Services & Driver Development Scania driver services Connected Services & Driver Development DETAILS MATTER Scania Driver Services offers solutions that connect you with your vehicles and drivers. Scania Connected Services with the

More information

Advisory & Client Services

Advisory & Client Services Advisory & Client Services BlackRock was founded by eight entrepreneurs who wanted to start a very different company. One that combined the best of a financial leader and a technology pioneer. And one

More information

Commerce-as-a-Service. You focus on your core business. We manage your digital sales.

Commerce-as-a-Service. You focus on your core business. We manage your digital sales. Commerce-as-a-Service You focus on your core business. We manage your digital sales. Commerce-as-a-Service from the Experts This enables you to exceed customer expectations and minimize internal costs.

More information

2. 2. Business areas Banking activity in Spain

2. 2. Business areas Banking activity in Spain BBVA IN 2016 2.Performance P.15 2. 2. Business areas 2. 2. 1. Banking activity in Spain Management priorities Development of the strategic roadmap for the area Decline in lending, but good performance

More information

ForceField Telematics

ForceField Telematics Telematics Helping you drive a smarter, safer fleet toyotafleetmanagement.com.au FLEET MANAGEMENT TRUSTED FIGURES IN FLEET Contents Introducing 2 How works 4 Improve driver safety 5 Emergency response

More information

ForceField Telematics

ForceField Telematics Helping you drive a smarter, safer fleet toyotafleetmanagement.com.au FLEET MANAGEMENT TRUSTED FIGURES IN FLEET Contents Introducing 2 How works 4 Improve driver safety 5 Emergency response 5 Maximise

More information

Ambition AXA Investor Day June 1, 2011

Ambition AXA Investor Day June 1, 2011 Ambition AXA Investor Day June 1, 2011 Creating sustainable value through customer centricity and efficiency Véronique Weill, Group COO Nicolas Moreau, CEO AXA France Cautionary note concerning forward-looking

More information

It s time to think about UBI differently

It s time to think about UBI differently White Paper Results for the Consumer Market It s time to think about UBI differently 52 percent of consumers are more likely to enroll in UBI for a discount on their deductible instead of their premium.

More information

Making the move to IoT. Driving new value across the container supply chain with IoT technology

Making the move to IoT. Driving new value across the container supply chain with IoT technology Making the move to IoT Driving new value across the container supply chain with IoT technology STATE OF THE INDUSTRY Role and drivers for IoT technology in the container supply chain THE INDUSTRY TODAY

More information

e-government in Rwanda

e-government in Rwanda Extend your Reach. CASE STUDY e-government in Rwanda The N-Frnds platform enables governments in emerging markets to provide digital services accessible to all citizens, whoever and wherever they are.

More information

Taking the I out of insurance distribution Are you partnering fast enough? By Steven Gunderson, Ravi Malhotra and Talbert Thomas

Taking the I out of insurance distribution Are you partnering fast enough? By Steven Gunderson, Ravi Malhotra and Talbert Thomas Taking the I out of insurance distribution Are you partnering fast enough? By Steven Gunderson, Ravi Malhotra and Talbert Thomas New entrants more customer-centric and digitally sophisticated than most

More information

OTIS ONE. Personalize your service experience

OTIS ONE. Personalize your service experience OTIS ONE Personalize your service experience Solutions built for your world Today s connected technology is allowing personalization and real-time information in nearly every facet of our daily lives.

More information

Internet OF Things: Transformation In The Digital Era

Internet OF Things: Transformation In The Digital Era Internet OF Things: Transformation In The Digital Era IDC VIEW OF IOT OFFERINGS IN SAUDI ARABIA MARKET, AND STC s ROLE IN LEVERAGING THE IOT ECOSYSTEM ACROSS THE KINGDOM Internet of Things SAR4.1 Billion

More information

Service enablement. Operator opportunities through service enablement

Service enablement. Operator opportunities through service enablement Service enablement Operator opportunities through service enablement contents Toward a Networked Society 3 Seamless services 4 The case for service enablement 5 Ericsson s Service Enablement Platform 6

More information

Alterna CX Customer Experience Management Solution Introduction Document

Alterna CX Customer Experience Management Solution Introduction Document Alterna CX Customer Experience Management Solution Introduction Document August 2018 Alterna in brief End-to-end customer experience solution portfolio ALTERNA CX: SOFTWARE to manage and improve customer

More information

Big Data Monetisation : Selected Success Stories

Big Data Monetisation : Selected Success Stories Big Data Monetisation : Selected Success Stories Dr. David Millán - Director Big Data for Comms & Media, EMEA Data Capital Event, Madrid, November 24 th Copyright 2014 Oracle and/or its affiliates. All

More information

Digital transformation in underwriting: what it means and how to get there

Digital transformation in underwriting: what it means and how to get there Digital transformation in underwriting: what it means and how to get there Every part of the insurance industry is talking about digital transformation. Underwriting, the traditional heart of the insurance

More information

The agent of the future. EY survey reveals the need for digital sales tools and closer collaboration with insurance carriers

The agent of the future. EY survey reveals the need for digital sales tools and closer collaboration with insurance carriers The agent of the future EY survey reveals the need for digital sales tools and closer collaboration with insurance carriers The agent of the future is emerging as a proactive advisor in a digital world.

More information

Autonomous vehicles. Preparing for the changing mobility ecosystem

Autonomous vehicles. Preparing for the changing mobility ecosystem Autonomous vehicles Preparing for the changing mobility ecosystem Agenda Key considerations for industry participants to become competitive in the AV space 1 Case for AVs, levels of autonomy, likely AV

More information

Creating Digital Advantage. Our strategy, vision and values

Creating Digital Advantage. Our strategy, vision and values Creating Digital Advantage Our strategy, vision and values Contents Nordic leadership 4 Business goals 7 Vision 8 Mission 10 Values 14 Where we compete 16 How we compete 18 Our strategy for delivering

More information

Split billing and charging Why it is important for car makers

Split billing and charging Why it is important for car makers Split billing and charging Why it is important for car makers RENAULT GROUP OVERVIEW 1 Alliance 3 Brands Strategic cooperation and partners Key Figures Renault is now present in 118 countries Group sales

More information

Why Insurance Companies Should Re-evaluate Operations in a Digital World

Why Insurance Companies Should Re-evaluate Operations in a Digital World WHITE PAPER Why Insurance Companies Should Re-evaluate Operations in a Digital World Written by Supported by Vishal Arora Assistant Vice President, EXL Services Suneel Kante Vice President, EXL Services

More information

Smart IoT Solutions for Automotive Manufacturers Best Practice by the IoT Pioneer

Smart IoT Solutions for Automotive Manufacturers Best Practice by the IoT Pioneer Smart IoT Solutions for Automotive Manufacturers Best Practice by the IoT Pioneer Marten Schirge, Vice President of Sales, Device Insight Gregor Frick, Junior Business Developer, Division Automotive, KUKA

More information

Harness digital for hyper-personalized supply chain solutions

Harness digital for hyper-personalized supply chain solutions Harness digital for hyper-personalized supply chain solutions MARKET DIFFERENTIATOR By the end of 2020, the majority of organizations, expect their supply chain function to be a differentiator, helping

More information

CORVINA CORE VALUE INSURANCE ADMINISTRATION. Start Your Vision

CORVINA CORE VALUE INSURANCE ADMINISTRATION. Start Your Vision CORVINA CORE VALUE INSURANCE ADMINISTRATION Start Your Vision DIG Digital technologies are poised to reconfigure insurance processes within all lines of business. Insurers that choose a traditional approach

More information

Capgemini and Pega - Here to help you successfully provide a truly connected digital customer experience

Capgemini and Pega - Here to help you successfully provide a truly connected digital customer experience Capgemini and Pega - Here to help you successfully provide a truly connected digital customer experience Contents 1. What customer experience is 2. New user behaviors in the experience era 3. Connecting

More information

data driven collaboration in automotive Stefan Schilling Principal Car IoT & Data September 2016

data driven collaboration in automotive Stefan Schilling Principal Car IoT & Data September 2016 data driven collaboration in automotive Stefan Schilling Principal Car IoT & Data September 2016 Digital is disrupting industry fundamentals Products and technologies Customer expectations Business models

More information

The guide to capturing the 5G industry digitalization business potential

The guide to capturing the 5G industry digitalization business potential The guide to capturing the 5G industry digitalization business potential ericsson.com/5g 2 Ericsson The guide to capturing the 5G industry digitalization business potential Bringing customers a connected

More information

FLEET SAFETY TECHNOLOGY. Risk Directory 2017/18

FLEET SAFETY TECHNOLOGY. Risk Directory 2017/18 FLEET SAFETY TECHNOLOGY Risk Directory 2017/18 Introduction According to the Association of British Insurers, the total cost of fleet motor claims in recent years exceeded 2 billion, the majority of which

More information

Thinking Cities with HERE Technologies

Thinking Cities with HERE Technologies Thinking Cities with HERE Technologies The era of the Autonomous World HERE Technologies is inspired by the concept of a new digital era. An era that sees man and technology come together in unprecedented

More information

Improved Automotive Brand Loyalty

Improved Automotive Brand Loyalty White Paper Improved Automotive Brand Loyalty Relationships, Brand Loyalty and Data About Informatica Digital transformation changes expectations: better service, faster delivery, with less cost. Businesses

More information

TALENT STRATEGY AN INTEGRAL PART OF BUSINESS STRATEGY AT GENERALI

TALENT STRATEGY AN INTEGRAL PART OF BUSINESS STRATEGY AT GENERALI TALENT STRATEGY AN INTEGRAL PART OF BUSINESS STRATEGY AT GENERALI BERLIN, 21MAY 2015 Christina Anagnostopoulou Generali Group Talent Management GENERALI S CONCEPTUAL FRAMEWORK Diagnostic People Strategy

More information

Engage with Your Customers in the Digital World

Engage with Your Customers in the Digital World Engage with Your Customers in the Digital World Jump-Start Your Omni-Digital Strategy Julien Rio Head of Marketing March 18, 2019 Outbound/Blended Customer Engagement Cloud PBX Digital Customer Engagement

More information

Millennials: Innovation Engine Hans K. Wolf Office of the CTO NTT Data Services

Millennials: Innovation Engine Hans K. Wolf Office of the CTO NTT Data Services Millennials: Innovation Engine Hans K. Wolf Office of the CTO NTT Data Services May 2017 Key Messages Your assumptions about millennials May not be Correct True Digital Natives the key characteristic that

More information

The total solutions provider

The total solutions provider The total solutions provider The clue is in the name Driver Management Services Fleet Efficiency specialise in driver management systems which include the essential, legal, moral and Duty of Care policies.

More information

The Challenge: Improving Driving Behavior in the Field

The Challenge: Improving Driving Behavior in the Field The Challenge: Improving Driving Behavior in the Field Black & Veatch is a global engineering and construction company, specializing in critical utilities, including energy, water, and telecommunications,

More information

TECHNOLOGY VISION FOR SALESFORCE

TECHNOLOGY VISION FOR SALESFORCE TECHNOLOGY VISION FOR SALESFORCE 2017 CONTENTS INTRODUCTION 3 AI IS THE NEW UI 5 Experience Above All ECOSYSTEM POWER PLAYS 10 Beyond Platforms DESIGN FOR HUMANS 15 Inspire New Behaviors CONCLUSION 20

More information

New Energy Consumer. Research Chile results 2016

New Energy Consumer. Research Chile results 2016 New Energy Consumer Research Chile results 2016 Accenture s global New Energy Consumer multi-year research program tracks major trends and the next big ideas 2010 2011 2012 2013 2014 2015 2016 Understanding

More information

API Gateway Digital access to meaningful banking content

API Gateway Digital access to meaningful banking content API Gateway Digital access to meaningful banking content Unlocking The Core Jason Williams, VP Solution Architecture April 10 2017 APIs In Banking A Shift to Openness Major shift in Banking occurring whereby

More information

Extend your brand reach with M2M

Extend your brand reach with M2M Extend your brand reach with M2M Vodafone M2M solutions for the consumer goods industry m2m.vodafone.com Vodafone Power to you M2M solutions for consumer goods The new shopping landscape The consumer goods

More information

INTRODUCTION TO THINGWORX. Petr Holy Head of Sales Eastern Europe. February 2 nd, 2016

INTRODUCTION TO THINGWORX. Petr Holy Head of Sales Eastern Europe. February 2 nd, 2016 INTRODUCTION TO THINGWORX Petr Holy Head of Sales Eastern Europe February 2 nd, 2016 Who is ThingWorx? A business unit of PTC 800+ employees dedicated to IoT Thousands of ThingWorx-compatible partners

More information

Socially Engaging Banking

Socially Engaging Banking Accenture Interactive Point of View Series on : Enabling a digital first mindset Socially Engaging Operating Model Socially Engaging Relationship Management Intelligence Integrated Experience Design First

More information

SERVICES: A GLANCE INTO THE FUTURE

SERVICES: A GLANCE INTO THE FUTURE SERVICES: A GLANCE INTO THE FUTURE GROWTH AND DIGITALISATION Pierpaolo Barbone, President Services & Executive Vice President 1 Services in a nutshell In one year: We serve 12,000 customers 115,000 deliveries,

More information

with HCL s Modern Application Services

with HCL s Modern Application Services www.hcltech.com with HCL s Modern Application Services HCL-Modern Application Services: Your Transformation Partner HCL s Modern Application Services group provides Advise to Execute services to our forward-looking

More information

MICHELIN. Acquires Sascar, Brazil s Leading Digital Fleet Management Company. June 9, 2014

MICHELIN. Acquires Sascar, Brazil s Leading Digital Fleet Management Company. June 9, 2014 MICHELIN Acquires Sascar, Brazil s Leading Digital Fleet Management Company June 9, 2014 1 Michelin Acquires Sascar June 9, 2014 Disclaimer "This presentation is not an offer to purchase or a solicitation

More information

ericsson White paper GFMC-17: Uen October 2017 TELECOM IT FOR THE DIGITAL ECONOMY

ericsson White paper GFMC-17: Uen October 2017 TELECOM IT FOR THE DIGITAL ECONOMY ericsson White paper GFMC-17:000619 Uen October 2017 TELECOM IT FOR THE DIGITAL ECONOMY Introduction The rapidly expanding digital economy has exposed a clear gap in both the architecture and operational

More information

Imre Rokob. Unlocking the Potential of the Y (and Z) Generation in Wealth Management

Imre Rokob. Unlocking the Potential of the Y (and Z) Generation in Wealth Management Imre Rokob Unlocking the Potential of the Y (and Z) Generation in Wealth Management We at Dorsum Clients and Partners Our customers by sectors: Banks Asset Managers Brokerage Firms Insurance Companies

More information

customers, the rise of FinTechs has forced them to reassess their business models and align their strategies to embrace

customers, the rise of FinTechs has forced them to reassess their business models and align their strategies to embrace Automated Associate Director RPA Practice Leader for Africa Deloitte Manager Africa Services Group Deloitte analysis, and in engaging with customers and employees are starting industry. These emerging

More information

Future of Analytics The Lure, Promise and Pitfall of Data

Future of Analytics The Lure, Promise and Pitfall of Data Future of Analytics The Lure, Promise and Pitfall of Data Terry Smagh Business Unit Executive Analytics Asia Pacific We all walk past solvable problems and leave opportunities untapped every day TM WHAT

More information

Capgemini and Pegasystems - Driving Unique Business Value. Connecting customer journeys with smart processes and decision automation

Capgemini and Pegasystems - Driving Unique Business Value. Connecting customer journeys with smart processes and decision automation Capgemini and Pegasystems - Driving Unique Business Value Connecting customer journeys with smart processes and decision automation 2 Understanding company challenges and goals, as well as a customers

More information

Energy Trends and Serving the New Energy Consumer. Eduardo Balbis, Managing Director

Energy Trends and Serving the New Energy Consumer. Eduardo Balbis, Managing Director Energy Trends and Serving the New Energy Consumer Eduardo Balbis, Managing Director Agenda Accenture and Research Summary Customer Trends and Engagement Market Forces Policy Implications Copyright 2016

More information

Consumerizing Service Delivery: Breaking Down Organizational Silos to Deliver Services to a Global, Mobile Workforce

Consumerizing Service Delivery: Breaking Down Organizational Silos to Deliver Services to a Global, Mobile Workforce Consumerizing Service Delivery: Breaking Down Organizational Silos to Deliver Services to a Global, Mobile Workforce KAREN ODEGAARD SENIOR MANAGER, Cloud Advisory ACCENTURE S SERVICE LANDSCAPE ACCENTURE

More information

Microsoft Volume Licensing. Programs Fundamentals

Microsoft Volume Licensing. Programs Fundamentals Microsoft Volume Licensing Programs Fundamentals Agenda Transformational Trends Licensing Basics Volume Licensing Programs Enterprise Agreement Enrollments The EA and Office 365 Software Assurance Payment

More information

SUPPLY CHAIN TRANSFORMATION FOR THE INTELLIGENT ENTERPRISE: Driving New Growth

SUPPLY CHAIN TRANSFORMATION FOR THE INTELLIGENT ENTERPRISE: Driving New Growth SUPPLY CHAIN TRANSFORMATION FOR THE INTELLIGENT ENTERPRISE: Driving New Growth 1 Over the past few years, the supply chain for every business has become exponentially more complex. There are multiple causes.

More information

THE AUTOMOBILE INDUSTRY IS A UNIVERSE THAT REINVENTS ITSELF

THE AUTOMOBILE INDUSTRY IS A UNIVERSE THAT REINVENTS ITSELF THE AUTOMOBILE INDUSTRY IS A UNIVERSE THAT REINVENTS ITSELF In recent years the automotive industry is facing substantial changes. This is regardless of the actor in the ecosystem. This revolution affronts

More information

SEIZING THE SMALL COMMERCIAL INSURANCE OPPORTUNITY THE ACCENTURE - DUCK CREEK ADVANTAGE

SEIZING THE SMALL COMMERCIAL INSURANCE OPPORTUNITY THE ACCENTURE - DUCK CREEK ADVANTAGE SEIZING THE SMALL COMMERCIAL INSURANCE OPPORTUNITY THE ACCENTURE - DUCK CREEK ADVANTAGE THE SMALL COMMERCIAL INSURANCE MARKET IS RIPE FOR DISRUPTION Small commercial customers in North America are increasingly

More information

Examples of Data Utilization that Create Affluence for Citizens. July 19, 2016 Keidanren

Examples of Data Utilization that Create Affluence for Citizens. July 19, 2016 Keidanren Examples of Data Utilization that Create Affluence for Citizens July 19, 2016 Keidanren Sharing Probe Vehicle Data in Case of Disaster Outline: By integrating and publishing probe vehicle data in case

More information

ARTIFICIAL INTELLIGENCE IN AEROSPACE AND DEFENSE FROM AMBITION TO ACTION

ARTIFICIAL INTELLIGENCE IN AEROSPACE AND DEFENSE FROM AMBITION TO ACTION ARTIFICIAL INTELLIGENCE IN AEROSPACE AND DEFENSE FROM AMBITION TO ACTION Many aerospace and defense executives find themselves unable to use Artificial Intelligence to drive operational efficiencies and

More information

Payments solutions for the innovation era: A renewed commitment to our cooperative system

Payments solutions for the innovation era: A renewed commitment to our cooperative system Payments solutions for the innovation era: A renewed commitment to our cooperative system We are pleased, after extensive research and consultation with members and stakeholders, to share our path forward

More information

Microsoft Connected Car Strategy & Solution

Microsoft Connected Car Strategy & Solution Microsoft Connected Car Strategy & Solution Partnering with customers in their digital business transformation Kevin Kao 高啟原 Senior Program Manager Microsoft C+E 2016-10 Digital is disrupting industry

More information

Why Dealer Inspire? Package Solutions. Standard $1,200. Premium $2,299 DEALERINSPIRE.COM

Why Dealer Inspire? Package Solutions. Standard $1,200. Premium $2,299 DEALERINSPIRE.COM Why Dealer Inspire? Flexible, fast, and custom-designed, the Dealer Inspire (DI) website platform adapts to each individual shopper with personalization and geofencing technology. Now featuring Lightning

More information

INTRODUCING WEALTH INTERACTIVE. The new end-to-end wealth management service that will help you build stronger relationships with your clients

INTRODUCING WEALTH INTERACTIVE. The new end-to-end wealth management service that will help you build stronger relationships with your clients INTRODUCING WEALTH INTERACTIVE The new end-to-end wealth management service that will help you build stronger relationships with your clients For financial advisers HOW WEALTH INTERACTIVE COULD TRANSFORM

More information

Product Architecture. Donna Schlegel Kelly Cusick, ACAS, MAAA Deloitte Consulting LLP March 12, 2013

Product Architecture. Donna Schlegel Kelly Cusick, ACAS, MAAA Deloitte Consulting LLP March 12, 2013 Product Architecture Donna Schlegel Kelly Cusick, ACAS, MAAA Deloitte Consulting LLP March 12, 2013 Anti-Trust Notice The Casualty Actuarial Society is committed to adhering strictly to the letter and

More information

Nuance Loop Mobile Marketing and Advertising Services

Nuance Loop Mobile Marketing and Advertising Services Nuance Loop Mobile Marketing and Advertising Services 2 Contextual Marketing for personalized, real-time and interactive marketing campaigns Mobile operators face increasing pressure on traditional revenue

More information

Vehicle Tracking & Fleet Management Solution

Vehicle Tracking & Fleet Management Solution Vehicle Tracking & Fleet Management Solution FROM: MANIT SOLUTIONS ENT. P.O. Box DK 579 Darkuman, Accra, Ghana Email: info.manitsolutions@gmail.com Tel: 0240162006/0506346567 / 0262997020 MANIT Solutions

More information

Strategic Partnership

Strategic Partnership Strategic Partnership DIGITAL INSURANCE FINALIZES SUCCESSFUL ACQUISITION BY FIDELITY NATIONAL FINANCIAL INC. Digital Insurance, a Leader in Advisory Services and Health Care Reform Education for Small

More information

ACCENTURE HOME 2.0. Helping Communications Service Providers Capture New Opportunities in Living Services

ACCENTURE HOME 2.0. Helping Communications Service Providers Capture New Opportunities in Living Services ACCENTURE HOME 2.0 Helping Communications Service Providers Capture New Opportunities in Living Services ACCENTURE HOME 2.0: HELPING COMMUNICATIONS SERVICE PROVIDERS CAPTURE NEW OPPORTUNITIES IN LIVING

More information

Connected Vehicle and Connected Consumer: Redefining PLM/ALM/MBSE

Connected Vehicle and Connected Consumer: Redefining PLM/ALM/MBSE Connected Vehicle and Connected Consumer: Redefining PLM/ALM/MBSE Craig A. Brown, GM PLM Leader Credits to Gahl Berkooz, Ph.D. Global Chief of Analytics Global Connected Consumer Experience General Motors

More information

Insurance Telematics: The Road Ahead

Insurance Telematics: The Road Ahead Insurance Telematics: The Road Ahead Malika Gandhi Senior Manager Deloitte New York, N.Y. Malika Gandhi is a senior manager in Deloitte s strategy practice. She focuses on customer strategy in the financial

More information

The Digital Insurer. How Well Is Your Business Integrated?

The Digital Insurer. How Well Is Your Business Integrated? The Digital Insurer How Well Is Your Business Integrated? Critical connection points for insurer growth, and five ways to enhance integration. 1 The modern jet engine is an engineering marvel. It is a

More information

TRANS FORMING INTO AN AI BUSINESS

TRANS FORMING INTO AN AI BUSINESS TRANS FORMING INTO AN AI BUSINESS Click for Video 2 TRANSFORMING YOUR BUSINESS AND INTRODUCING AI AT SCALE REQUIRES MULTIDIMENSIONAL STRATEGIC THINKING TO EFFICIENTLY REALIZE RELEVANT USE CASES, LEVERAGE

More information

SAP Leonardo Ucelené řešení pro chytrý svět

SAP Leonardo Ucelené řešení pro chytrý svět SAP Leonardo Ucelené řešení pro chytrý svět Hana Součková, Head of Presales SAP CZ&SK January, 2017 IoT = Customer Value + Accelerated Digitization Internal SAP Approach to Digitization Connect the Enterprise

More information

Key Benefits. Overview. Field Service empowers companies to improve customer satisfaction, first time fix rates, and resource productivity.

Key Benefits. Overview. Field Service empowers companies to improve customer satisfaction, first time fix rates, and resource productivity. Field Service empowers companies to improve customer satisfaction, first time fix rates, and resource productivity. Microsoft delivers advanced scheduling, resource optimization and mobile enablement capabilities

More information

WHITEPAPER ARKESSA ENABLES ENTERPRISE IOT

WHITEPAPER ARKESSA ENABLES ENTERPRISE IOT WHITEPAPER ARKESSA ENABLES ENTERPRISE IOT IoT in the Enterprise and Urban environments is transforming business operations and services to drive sustainable growth October 2016 ENABLING GLOBAL ENTERPRISE

More information

QUOTE- TO- CASH WITH MACHINE LEARNING

QUOTE- TO- CASH WITH MACHINE LEARNING What Is Machine Learning? Machine learning is an innovative category of artificial intelligence that focuses on recognizing patterns in data, predicting outcomes, and recommending relevant, intelligent

More information

The Future of Retail Banking

The Future of Retail Banking The Future of Retail Banking Navigating the digital banking revolution The digital banking landscape Market trends Challenges & opportunities Digital transformation with HID Global 43% Mobile phone users

More information

Fleet Optimization with IBM Maximo for Transportation

Fleet Optimization with IBM Maximo for Transportation Efficiencies, savings and new opportunities for fleet Fleet Optimization with IBM Maximo for Transportation Highlights Integrates IBM Maximo for Optimizes asset life-cycle Can result in better up-time,

More information

Life & Annuity/Pension breakout: OUTSIDE-IN DIGITAL FORCES, BEST PRACTICES & CSC'S STRATEGY

Life & Annuity/Pension breakout: OUTSIDE-IN DIGITAL FORCES, BEST PRACTICES & CSC'S STRATEGY Life & Annuity/Pension breakout: OUTSIDE-IN DIGITAL FORCES, BEST PRACTICES & CSC'S STRATEGY Michael W. Risley Industry General Manager 2 Agenda I. Insurance Market View II. Digital Technology Forces III.

More information

Self-driving ERP TM. Experience the power of people-centric ERP solutions designed for the speed of business. In business for people.

Self-driving ERP TM. Experience the power of people-centric ERP solutions designed for the speed of business. In business for people. OVERVIEW Unit4 Business World On! Self-driving ERP TM Experience the power of people-centric ERP solutions designed for the speed of business. In business for people. The digital revolution. Reshaping

More information

Retail Consumer Solution

Retail Consumer Solution Retail Consumer Solution Amber Connect Introduction Company: Amber Connect was registered in 2015 in Jamaica. Starting with a consumer solution, Amber Connect quickly evolved into one of the most innovative

More information

Transforming Insurance in an Era of Disruption Insight 2018

Transforming Insurance in an Era of Disruption Insight 2018 Transforming Insurance in an Era of Disruption Insight 2018 Asle Kjetil Bratteli VP Executive Programs, Nordics Digital business The creation of new business designs by blurring the digital and physical

More information

5 DATA-DRIVEN TECH TRENDS SHAPING CUSTOMER EXPERIENCE AND HOW YOUR BUSINESS CAN QUICKLY ADAPT

5 DATA-DRIVEN TECH TRENDS SHAPING CUSTOMER EXPERIENCE AND HOW YOUR BUSINESS CAN QUICKLY ADAPT 5 DATA-DRIVEN SHAPING CUSTOMER AND HOW YOUR BUSINESS CAN QUICKLY ADAPT WHAT S INSIDE HOW DATA DRIVES CUSTOMER 5 DATA-DRIVEN TO THE NEXT LEVEL: 1. Mobile continues to intensify micro-moments 2. Artificial

More information

Welcome to the Consumer Revolution

Welcome to the Consumer Revolution Welcome to the Consumer Revolution How Insurers Can Heed the Voice of Customers, Rethink Relationships & Embrace Innovation to Drive Profitability & Market Leadership Life-Annuity Insurance Key Welcome

More information

Focus on Six Capabilities to Master Supply Chain Customer Collaboration for Value Creation

Focus on Six Capabilities to Master Supply Chain Customer Collaboration for Value Creation Focus on Six Capabilities to Master Supply Chain Customer Collaboration for Value Creation FOUNDATIONAL Refreshed: 5 September 2018 Published: 9 May 2017 ID: G00317177 Analyst(s): Beth Coppinger, Chris

More information

At the Heart of Differentiating Customer Experiences

At the Heart of Differentiating Customer Experiences At the Heart of Differentiating Customer Experiences Future Ready: Multi-Channel Distribution in Life Insurance Effective Distribution strategy can Transcend Customer Demands to Deliver Exceptional Customer

More information