ATM Managed Services:
|
|
- Beryl Lyons
- 6 years ago
- Views:
Transcription
1 cardtronics.com ATM Managed Services: A Key Component in Retail Banking Strategy and Branch Transformation Introduction ATMs have always held an important position in a financial institution s banking services, but in today s era of Universal Banking and branch transformation, the ATM channel is evolving into an increasingly critical component of enterprise-level retail banking strategies. These market changes make it valuable for institutions to gain a deeper understanding of the trends and dynamics taking place in the design, delivery, and integration of ATM services within retail banking franchises. For these reasons, Cardtronics commissioned an independent, qualitative market study 1 based on first-person interviews with ATM channel strategists and managers in banks and credit unions across the U.S. in the mid-tier asset ranges. The objective of the survey was to uncover the nuances of key financial institution trends, preferences, and practices in managing the complexities of delivering ATM services to their market. The survey focused on how the convergence of retail banking strategies and branch innovation within the ATM channel is impacting institutions relationships and strategies with ATM managed services partners. The survey framework was constructed around four key categories of information: ATM Channel Characteristics including current channel strategies, integration with retail branches, off-site ATM brand management and competitive market dynamics. ATM Management and Servicing including the eco-system of delivery services, in-house vs. outsourced services management, and how participants currently manage their third-party servicing relationships. 1 Survey was designed and managed by PG Research & Advisory Services
2 Best Practices in Vendor Selection including the criteria participants use to assess third party vendors, ROI components, and key due diligence questions. ATM Channel Innovation including the positioning of the ATM Channel in the bank of the future, retail banking market dynamics, and the new table-stake features of the future. In this paper, we discuss the key findings of the survey across each of these categories and analyze the results within the context of how institutions are leveraging third party partners to enable and support their ATM channel strategies. ATM Channel Characteristics The notion that branch banking is on the decline in the United States was not supported by the results of this study. In fact, 90% of participant institutions had not decreased the number of branches they historically operated and more than 30% reported an increase in branches due mainly to M&A activities. What we did find changing is the branch banking model itself. Bank branches have entered a transformative period where they are becoming a hybrid service channel consisting of Universal Bankers and self-service technology centered around the ATM and digital channels. 90% of participant institutions have not decreased the number of branches they historically operated. But there is no one size fits all and we can see the evolutionary cycle slowdown in the smaller institution segment which prizes its traditional model of personalized, location-specific service. These institutions recognize that their services are often those of the last-bank standing in small communities and therefore manage their ATM channel to support this delivery strategy. For example, one participant cited their design of providing ATM drive-up facilities that can be approached from either side of the vehicle, and another retained core ATM servicing in-house to take care of customers ATM problems in-branch. Yet, even these smaller institutions leverage a branded ATM in locations where it is not feasible to operate a branch facility. The strategic placement of off-premise ATMs and the use of surcharge-free networks for account access was a common finding in the survey. 2
3 All of this can be summed up in one important quote: People still want cash. Always-on access to cash remains a fundamental cornerstone of the ATM channel and our survey found that is the one common, high-value service across all institutions regardless of type or size. ATM Management and Servicing Managing an increasingly sophisticated fleet of ATMs, along with addressing a seemingly endless list of regulatory requirements, means the operational overhead necessary to properly manage this channel has exponentially increased as well. Participants shared their concern about not only the cost and complexity of their upkeep, but importantly, the toll it takes on resources. This leaves institutions with a decision to make outsource or manage in-house? We found that what drives an institution to manage ATM services in-house, as opposed to outsourcing, depends on which ATM channel capabilities and features are of most value to the institution. In Figure 1 below, we depict these needs across a value chain that includes core capabilities, advanced services, and overall retail banking strategies. However, in talking to institutions, we found that even those organizations that claimed to be 100% self-managed, in reality outsource more ATM services than they even realized themselves, including most commonly, hardware maintenance, device monitoring, physical security, and cash management. Additionally, we found that 100% of the survey s participants outsource management of their off-premise fleet, while virtually all institutions manage business continuity in-house. Figure 1: ATM Channel Services and Strategy Value Chain Cost Management Service Response Times Compliance Upgrades Feature Upgrades Competitive Market Response Retail Banking Strategy More likely to outsource Less likely to outsource 3
4 100% Users expect ATM availability What s driving outsourcing strategies today includes nuts and bolts considerations such as cost of upkeep and compliance, as well as effectively managing the potential servicing and reputation liabilities of maintaining an always-on channel. However, increasingly we found institutions concerned about the resources it takes to manage all this complexity, along with the ability to strategically place ATMs in desirable geographies where maintaining a branch isn t viable. Keeping services in-house often represented a cultural preference to owning technology assets and ATMs were just one more technology that fell under this rubric. An important driver of in-house managed devices was the ability of the institution to respond quickly and more efficiently to servicing issues. This finding underscores the reputational importance of the ATM channel and its central position in servicing an account holder s basic cash and account management needs. As a result, we found that the unbundling of managed ATM services was a common practice among all sizes of institutions enabling them to choose which services to outsource and which to control in-house. For example, ensuring account holders problems with an ATM were resolved on the spot was very important, as was the ability to decrease dependence on a third party to respond to more difficult hardware- or software-related servicing issues. Institutions see ATMs as having a unique reputational risk since the user expectation of 100% availability is very high. And as the feature functionality of these devices becomes more sophisticated and more directly in the path of retail banking delivery strategies, the ability for an institution to maintain an error-free experience becomes even more important. 4
5 Yet, the emerging driver for outsourcing ATM services is the need for institutions to more efficiently deploy their retail banking resources. The ATM channel is perhaps the single most expensive channel for a bank or credit union to operate. As retail banking divisions are under increasing pressure to improve efficiencies and resources are required to take on more highly skilled banking activities, the ATM device is acknowledged to be a key component to solving these problems, but also recognized as one that requires more vendors and more internal skill to effectively manage. These dynamics mean that for smaller institutions, we found a potential for increased interest in selling off the channel in its entirety to a third party to manage while for larger institutions, even those culturally adapted to self-servicing their ATM channel, admitted that some form of outsourcing strategy would inevitably be a part of their future operational structure. Finally, these findings point to a key trend in ATM channel management the preference for working with a service provider expert in this segment. Best Practices in Vendor Selection If outsourcing strategies are commonplace then, how does this affect the way an institution evaluates a potential third-party partner? Our survey found that the top two evaluation criteria for assessing an outsourcing partner for the ATM channel were: 1. Uptime 2. How quickly a vendor responds to a servicing issue These findings are not surprising based on the attitudes and preferences to ATM channel management we found in the previous segment of the survey. However, the story doesn t end here. Instead we found that as institutions evolve the ATM channel into a critical component of retail banking delivery strategies, their service provider evaluations evolve along with it. Now, as we dug deeper into vendor selection practices, we found that all institutions, even very small ones, had a deep interest in the vendor s ability to demonstrate knowledge of 5
6 the inner workings of the ATM channel. This was assessed by considering not just thought leadership, but also capital investments in the channel and vendors deep understanding of how the ATM eco-system that lives within a retail banking division actually operates. In Figure 2 below, we depict the common components of the ROI analysis of vendor selection, which contains many elements one would expect to find including expense, compliance, and risk management. Figure 2: ROI Components of Vendor Selection Cost Compliance SLA ROI Resource Allocation Customer Service Fraud Just as we found in our discussion around general ATM servicing issues, the topic of resource allocation has taken on new importance in vendor evaluation as well. Staff productivity, rather than simply staff allocation or reduction, was top of mind for many institutions we spoke to during the survey. As part of vendor assessment, institutions are also considering the increased number of vendors it takes to deploy, manage, and service an ATM, as well as their ability to respond to business interruptions such as natural disasters. At the start of this paper, we stated that the era of the ATM as a utility service is over, an opinion well-supported in this segment of the study. When asked what the single most important question is to ask of a potential service provider, two examples illustrate this point. Do you feel that ATMs have more marketing value than cash value? How are you going to make our members experience the best it can be? 6
7 Institutions recognize that their ATM channel has a key role to play in retail delivery strategy. Therefore, they need to understand how their servicing partner will support the unique roadmap of each bank and credit union served. This kind of value construct is only possible when the vendor has a primary focus on the ATM market. While solution providers must be cost-competitive, the real decision criteria lies in their ability to improve the value of an institution s ATM channel. We found that institutions are realizing that an efficient outsourcing partnership can have a positive and lasting impact on critical areas of their operation, including staff productivity, account holder or member experience, and brand management. ATM Channel Innovation Bank branches are in the midst of evolving into a hybrid service channel consisting of Universal Bankers combined with self-service technologies where the ATM plays a central role. However, the innovation conundrum faced by participants we spoke to is the multi-purpose nature of the ATM. On one hand, it remains an important utility service and on the other, it is rapidly evolving into a device that replaces or augments physical branch and digital interactions. The key takeaway is that for an individual institution to build a competitive, cost-effective ATM channel, it will only evolve as fast as feature functionality/technology improvements can be moved into production. Recently, EMV upgrades have shifted attention away from some innovation activities, but these efforts are drawing to a close and we found participants eager to begin making modifications to their ATM fleet in support of their more strategic retail delivery objectives. 7
8 Participants acknowledged that the footprint of the future ATM will include its ability to aggregate services across multiple account types and financial services relationships. The bank of the future is one where aggregation and coordination of financial information will become the norm and these activities will replace the depository account as the sole indicator of what is a consumer s primary financial institution. This study showed that future thinking about the ATM channel includes enabling a wide variety of access applications including the Pays (ApplePay, etc.), business account activities, and external bank transfers. It is presumed among this cohort that these features will become commonplace and interest is high in developing a roadmap to implement them. This drive to expand an ATM s borders will also result in the device s increased integration and usage as a marketing channel for the institution not just in terms of a general cross-sell, but instead, leveraging account holder data and usage patterns to enable highly targeted offers. Considering the opinion among this group that upwards of 75% of all account acquisition takes place in the branch and presuming that the ATM becomes the branch of the future, this kind of personalized marketing will almost certainly become a de facto standard as well. 8
9 Conclusion According to our survey s findings, the ATM of the future will become an access point, not just to a single institution s accounts, but to a range of financial services and account management functions personalized to the individual or small business. According to the survey s participants, the must-have features of the next generation ATMs will include: Cardless access including mobile and NFC Digital receipts Bank to bank transfers Targeted marketing Our survey results clearly show that the future of the ATM channel is as a fully integrated component of a multi-faceted retail banking strategy that includes physical and virtual experiences. This will be the new normal for providing competitive ATM services, as well as enabling new banking models that include such strategies as universal banking. However, the path to this future state will be institution-specific and will reflect the strategic objectives of each individual organization. Institution ROI and vendor selection criteria echo these dynamics, which is driving the market away from generalist, bundled providers towards ATM services organizations that are able to demonstrate a keen understanding of the dynamics of the channel. This is illustrated by their thought leadership and capital investments in expanding services and developing features to improve the ATM market. Copyright 2018 Cardtronics. All rights reserved. Cardtronics and the Cardtronics logo are trademarks or registered trademarks of Cardtronics. Other product and service names are trademarks or registered trademarks of their respective companies. 9
Mobile Banking Impact: Quantifying the ROI and Customer Engagement Benefits. Understanding the Value of Engaging Consumers in the Mobile Channel
Mobile Banking Impact: Quantifying the ROI and Customer Engagement Benefits Understanding the Value of Engaging Consumers in the Mobile Channel It goes without saying that mobile is an important channel
More informationSAP at Accenture. The Journey of Running Accenture on a Single Global Instance
SAP at Accenture The Journey of Running Accenture on a Single Global Instance 2 Transitioning from a private partnership to a global public company gave Accenture the opportunity to create an ERP strategy
More informationAssuring the Enterprise in the Digital Era Energy and Utilities
l WHITE PAPER l Assuring the Enterprise in the Digital Era Energy and Utilities Digital transformation (DX) trends and new business models in the data-centric economy ENT ERPRISE Knowing what s happening
More informationEvaluating Your Digital Experience: Eight Critical Questions. Bolt Innovative Transformations January 8, 2015
Evaluating Your Digital Experience: Eight Critical Questions Bolt Innovative Transformations January 8, 2015 Eight Critical Questions The digital journeys of customers, partners, and employees are central
More informationSmarter Commerce for healthcare and life sciences
IBM Smarter Commerce Healthcare and Life Sciences Smarter Commerce for healthcare and life sciences Competing in a consumer-centric world 2 Smarter Commerce Across the healthcare ecosystem, from payers
More informationIn-Memory Analytics: Get Faster, Better Insights from Big Data
Discussion Summary In-Memory Analytics: Get Faster, Better Insights from Big Data January 2015 Interview Featuring: Tapan Patel, SAS Institute, Inc. Introduction A successful analytics program should translate
More informationAchieve Powerful Business Benefits by Streamlining Document Workflows
INSURANCE BEST PRACTICES Achieve Powerful Business Benefits by Streamlining Document Workflows 2016 Hanover Research FORCES RESHAPING THE INSURANCE INDUSTRY World class insurance organizations have two
More informationATM Outsourcing. The Answer to Your ATM Woes. Is ATM Outsourcing Right for You? WHITE PAPER. Owning an ATM can be a difficult task.
WHITE PAPER ATM Outsourcing The Answer to Your ATM Woes Owning an ATM can be a difficult task. Cash forecasting and replenishment, regular maintenance, repairs, transaction processing and software upgrades
More informationImage Itron Total Outcomes
Image Itron Total Outcomes Simple. Flexible. Scalable. Affordable. AN EVOLVING LANDSCAPE In a dynamic industry with rapidly evolving technologies and business models, the ability to be agile and make decisions
More informationThe HR Function in 2021: Models & Competencies Fall 2017 CAHRS RA Project - White Paper Chris Kelly & Katie Rapp
The HR Function in 2021: Models & Competencies Fall 2017 CAHRS RA Project - White Paper Chris Kelly & Katie Rapp I. Methodology The findings of this research project are based on interviews with 57 Human
More informationWHITEPAPER. Unlocking Your ATM Big Data : Understanding the power of real-time transaction monitoring and analytics.
Unlocking Your ATM Big Data : Understanding the power of real-time transaction monitoring and analytics www.inetco.com Summary Financial organizations are heavily investing in self-service and omnichannel
More informationAccenture and Salesforce. Delivering enterprise cloud solutions that help accelerate business value and enable high performance
Accenture and Salesforce Delivering enterprise cloud solutions that help accelerate business value and enable high performance 1 Businesses and governments around the world are increasingly adopting and
More informationAn integrated model approach to improve the management of marketed products
Insight brief Regulatory and safety integration An integrated model approach to improve the management of marketed products Leo Dodds, Principal, Quintiles Advisory Services John Rogers, Engagement Leader,
More informationRetail: Tips for Reducing Recruitment Costs
White Paper Retail: Tips for Reducing Recruitment Costs Increase Your Hiring Performance while Decreasing Cost-to-Fill Recruiting in retail presents some pretty big challenges compared to other industries.
More informationTRUSTED IDENTITIES TRUSTED DEVICES TRUSTED TRANSACTIONS. Investor Presentation - December 2017
TRUSTED IDENTITIES TRUSTED DEVICES TRUSTED TRANSACTIONS Investor Presentation - December 2017 Safe Harbor Statement This presentation contains forward-looking statements within the meaning of Section 21E
More informationThe hidden reality of payroll & HR administration costs
The hidden reality of payroll & HR administration costs Exploring hidden cost drivers and characteristics of cost-effective organizations January 2011 Contents Executive overview 1 Methodology 3 Key findings
More informationEnterprise Voice Transformation: Migration from TDM to IP
White Paper Enterprise Voice Transformation: Migration from TDM to IP Sponsored by: AT&T Amy Lind February 2018 IDC OPINION Voice has been the primary method of business communication for more than a century.
More informationBuilding a Roadmap to Robust Identity and Access Management
Building a Roadmap to Robust Identity and Access Management Elevating IAM from Responsive to Proactive From cases involving private retailers to government agencies, instances of organizations failing
More informationSAS ANALYTICS AND OPEN SOURCE
GUIDEBOOK SAS ANALYTICS AND OPEN SOURCE April 2014 2014 Nucleus Research, Inc. Reproduction in whole or in part without written permission is prohibited. THE BOTTOM LINE Many organizations balance open
More informationMainframe Development Study: The Benefits of Agile Mainframe Development Tools
A Hurwitz white paper Mainframe Development Study: The Benefits of Agile Mainframe Development Tools Judith Hurwitz President and CEO Daniel Kirsch Principal Analyst and Vice President Sponsored by Compuware
More informationPolicy Administration Transformation
Financial Services the way we do it Policy Administration Transformation Helping insurers capture dramatic improvements in time-to-market, product or price leadership and operational excellence The insurance
More informationWHITEPAPER. Top 10 ways IT can boost value and efficiency with a digital workplace
WHITEPAPER Top 10 ways IT can boost value and efficiency with a digital workplace The current workplace trends The forces driving change in today s workplace are also transforming the role of IT. With
More information7 Mobile APM Keys for Driving Workforce Productivity. What It Takes to Deliver Excellent Enterprise Mobile User Experience
7 Mobile APM Keys for Driving Workforce Productivity What It Takes to Deliver Excellent Enterprise Mobile User Experience Aternity Mobile APM A new approach to measure, manage, and improve mobile workforce
More informationATM MODERNIZATION FOUR REASONS TO MODERNIZE YOUR AGING ATM INSTALL BASE. An NCR white paper
ATM MODERNIZATION FOUR REASONS TO MODERNIZE YOUR AGING ATM INSTALL BASE An NCR white paper MODERNIZE TO SERVE YOUR CUSTOMERS BETTER The financial services industry has undergone enormous change over the
More informationVeritas 360 Data Management Suite. Accelerating Digital Transformation Through Multi-Cloud Data Management.
Veritas 360 Data Management Suite. Accelerating Digital Transformation Through Multi-Cloud Data Management. When digital transformation is done right, it s like a caterpillar turning into a butterfly,
More informationTHE PROMISE SERVICE IT S HERE AND NOW
THE PROMISE OF AS-A- SERVICE IT S HERE AND NOW THE PROMISE OF AS-A-SERVICE: IT S HERE AND NOW In 2015, when Accenture and HfS surveyed executives about the maturity of an as-a-service delivery model for
More informationNew revenue guidance Implementation in the software industry
No. US2017-13 July 25, 2017 What s inside: Overview 1 Step 1: Identify the contract. 2 Step 2: Identify performance obligations.6 Step 3: Determine transaction price 18 Step 4: Allocate transaction price.....21
More informationExtending TouchPoint Banking Suite Applications with OpenSpan
OpenSpan White Paper Series: Extending TouchPoint Banking Suite Applications with OpenSpan Introduction p. 2 OPENSPAN FOR TOUCHPOINT p. 3 CASE STUDY p. 5 BENEFITS p. 6 SUMMARY p. 7 p. 2 OpenSpan White
More informationTHE RISE OF THE MODERN CIO
THE RISE OF THE MODERN CIO There s a major shift taking place in the role of the CIO: you re bound to have noticed. Like tectonic plates moving slowly over time, we are currently experiencing a historical
More informationALL APPS ARE NOT CREATED EQUAL BUILDING THE BUSINESS CASE FOR BUSINESS CONTINUITY & DISASTER RECOVERY IN SMALL & MID-SIZED ORGANIZATIONS
ALL APPS ARE NOT CREATED EQUAL BUILDING THE BUSINESS CASE FOR BUSINESS CONTINUITY & DISASTER RECOVERY IN SMALL & MID-SIZED ORGANIZATIONS a white paper by INTRODUCTION Whether we are supporting our customers
More information2013 North American M2M Communications Competitive Strategy Leadership Award
2013 North American M2M Communications Competitive Strategy Leadership Award 2013 Competitive Strategy Leadership Award M2M Communications North America, 2013 Frost & Sullivan s Global Research Platform
More informationWHITE PAPER. Results Delivers Value
WHITE PAPER SAS Title Results Delivers Value ii Contents Building on a foundation of analytics... 1 SAS Results: The right tools for the job... 1 Fill the analytical skills gap...2 Address limited IT support...2
More informationDIGITAL OUTLOOK BANKING INDUSTRY
www.infosys.com INTRODUCTION Twelve months ago, our conversation with bankers about the most important strategic and technology trends for 2017 was dominated by the rise of the banking ecosystem, arrival
More informationThe Accountability Evolution Marketers Turn to Metrics to Boost Their Strategic Value
in association with: The Accountability Evolution Marketers Turn to Metrics to Boost Their Strategic Value As organizations continue to respond to the uncertain economic environment by tightening their
More informationThe Future of Banking. Transforming the customer experience
The Future of Banking Transforming the customer experience The landscape is changing quickly, and banks are taking steps to transform. René Dufrene, AT&T Industry Solutions General Manager Finance Digital
More informationGlobal Headquarters: 5 Speen Street Framingham, MA USA P F
Global Headquarters: 5 Speen Street Framingham, MA 01701 USA P.508.872.8200 F.508.935.4015 www.idc.com W H I T E P A P E R T h e G r o w i n g I r r e l e v a n c y o f t h e B l a c k R e c t a n g l
More informationIBM Customer Analytics Five best practices for understanding customer journeys
IBM Customer Analytics Five best practices for understanding customer journeys Organizations can increase loyalty, retention and sales by truly comprehending the paths customers travel over time and across
More informationThe Smart SOA approach: Innovate, accelerate, differentiate To support your business objectives. Smart SOA: The experienced approach.
The Smart SOA approach: Innovate, accelerate, differentiate To support your business objectives Smart SOA: The experienced approach. The world is changing fast Today s business landscape is more dynamic
More informationCLAconnect.com/creditunions. Impact the Future of Credit Unions
CLAconnect.com/creditunions Impact the Future of Credit Unions We Believe Enabling your success means a better world for all of us, but now, more than ever, a greater number of operational, regulatory,
More informationUsing ClarityTM for Application Portfolio Management
WHITE PAPER: Application Portfolio Management February 2012 Using CA PPM ClarityTM for Application Portfolio Management David Werner CA Service & Portfolio Management agility made possible table of contents
More informationBENEFITS OF AN EFFECTIVE OUTSOURCING STRATEGY. March 1, 2017
BENEFITS OF AN EFFECTIVE OUTSOURCING STRATEGY March 1, 2017 RSM overview Fifth largest audit, tax and consulting firm in the U.S. Over $1.6 billion in revenue 80 cities and more than 8,000 employees in
More information2017 Oracle EBS Cloud Roadmap
2017 Oracle EBS Cloud Roadmap Velocity Technology Solutions This EBS Cloud Roadmap will: Suggest the right time to move EBS to the cloud Walk you through the steps and projected timeline. Provide reasons
More informationMultisource Management in the Cloud Age Keys to MSI and SIAM success in Hybrid IT environments
WHITE PAPER Multisource Management in the Cloud Age Keys to MSI and SIAM success in Hybrid IT environments IT delivery has been evolving from a traditional on-premises model to a hybrid model using diverse
More informationWinning in Retail With RFID: Today and Tomorrow SML RFID is a division of SML Group Limited
Winning in Retail With RFID: Today and Tomorrow 1 Winning in Retail With RFID: Today and Tomorrow Arguably, the roots of RFID technology can be traced back to the invention of radar when radio technology
More informationConsiderations when Choosing a Managed IT Services Provider. ebook
Considerations when Choosing a Managed IT Services Provider ebook Contents Considering Managed Services?...3 Consideration 1: Depth...4 Consideration 2: Proactive...5 Consideration 3: Knowledge & Processes...6
More informationFinancial Discussion. James Kavanaugh Senior Vice President and Chief Financial Officer IBM
Financial Discussion James Kavanaugh Senior Vice President and Chief Financial Officer IBM 1 IBM 2018 Investor Briefing Our differentiated value proposition is driven by innovative technology, industry
More informationElevating The In-Store Experience: Why The Network Matters
Elevating The In-Store Experience: Why The Network Matters A framework to help retailers bridge the gap between vision and reality Irrespective of which version of the future of the store you subscribe
More informationMANAGED PRINT SERVICES. Optimize Your Printer Fleet and Save
MANAGED PRINT SERVICES Optimize Your Printer Fleet and Save The Print Environment Has Evolved. Has Your Strategy? When it comes to printers, organizations today must walk a fine line between convenience
More informationEnterprise risk management for consumer products companies
Enterprise risk management for consumer products companies Prepared by: Bob Jacobson, Principal, Risk Advisory Services, McGladrey LLP 949.255.6648, bob.jacobson@mcgladrey.com Dharmesh Choksey, Director,
More informationTHE CASE FOR CONNECTED MANUFACTURING
THE CASE FOR CONNECTED MANUFACTURING TABLE OF CONTENTS 1 Executive overview 2 A state of emerging opportunities 3 The infrastructure as-is and the infrastructure to-be 3 The transformational challenge
More informationJoyce Mullen. Our Commitment to You. Joyce Mullen. President, Global Channels, OEM Solutions and IoT
Our Commitment to You We will continue to refine the Dell EMC Partner Program based on your feedback to be even more Simple. Predictable. Profitable. At Dell EMC we believe strong partnerships lead to
More informationOracle advances its cloud story in higher education
Oracle advances its cloud story in higher education Publication Date: 07 Oct 2016 Product code: IT0008-000281 Navneet Johal Ovum view Summary Despite the historical reluctance of higher education institutions
More informationFoodservice Category Management. Better Insights. Enhanced Collaboration. Maximum ROI
Foodservice Category Management Better Insights. Enhanced Collaboration. Maximum ROI Changing Dynamics in the Foodservice Industry The foodservice industry today is in a state of intense competition and
More informationTHE INSIDE STORY DISCUSSING THE HOT TOPICS FROM ORACLE LICENSE MANAGEMENT OPEN WORLD 2016
THE INSIDE STORY DISCUSSING THE HOT TOPICS FROM ORACLE LICENSE MANAGEMENT SERVICES @ OPEN WORLD 2016 An introduction from Jonathan Koop, Global Vice President, Oracle License Management Services (LMS)
More informationMergers & Acquisitions Handbook for Retail Bank Marketers
Mergers & Acquisitions Handbook for Retail Bank Marketers You ve just completed a merger/acquisition. You need to integrate two independent banks into one combined brand. Need help? Need help? Our extensive
More informationThird Party Risk Management ( TPRM ) Transformation
Third Party Risk Management ( TPRM ) Transformation September 20, 2017 Internal use only An introduction to TPRM What is a Third Party relationship? A Third Party relationship is any business arrangement
More informationHOW P&C INSURERS CAN EARN HIGH ROI ON DIGITAL INVESTMENTS
FINANCIAL SERVICES HOW P&C INSURERS CAN EARN HIGH ROI ON DIGITAL INVESTMENTS A GUIDE FOR P&C EXECUTIVES AUTHOR Robert Rudy, Partner Copyright 2018 Oliver Wyman A GUIDE FOR P&C EXECUTIVES Property and casualty
More informationEnabling Branch Innovation: The Powerful Role of Self-Service Technology. Liam van Beek Sr. Manager, Physical Channel Strategy, BMO
Enabling Branch Innovation: The Powerful Role of Self-Service Technology Liam van Beek Sr. Manager, Physical Channel Strategy, BMO 1 Agenda A changing landscape Understanding shifts in customer behaviour
More informationCombine attribution with data onboarding to bridge the digital marketing divide
Combine attribution with data onboarding to bridge the digital marketing divide Understand how online marketing impacts offline sales Google Inc. 360suite-info@google.com g.co/360suite 1 Digital marketing
More informationTRANSFORMING YOUR BUSINESS TO ACHIEVE OPERATIONAL EXCELLENCE
TRANSFORMING YOUR BUSINESS TO ACHIEVE OPERATIONAL EXCELLENCE MARCH 2017 Process Driven, Business Focused Process Driven, Business Focused www.bplogix.com INTRODUCTION The 21st century economy requires
More informationTable of contents. Cloud Computing Sourcing. August Key Takeaways
August 2014 Cloud Computing Sourcing Key Takeaways Market Penetration As of mid-2014, 87% of tech executives reported utilizing outsourced computing power for at least one task. Market Growth The service
More informationAccenture CAS: integrated sales platform Power at your fingertips
Accenture CAS: integrated sales platform Power at your fingertips Understanding the market It is a tough market out there: margins are tightening, competition is increasing and the retail landscape is
More informationzapnote Analyst: Ronald Schmelzer
zapthink zapnote ZAPTHINK ZAPNOTE Doc. ID: ZTZN-1201 Released: Oct. 6, 2006 SOA SOFTWARE EXPANDING THE BREADTH OF SOA INFRASTRUCTURE Analyst: Ronald Schmelzer Abstract Throughout the past year, the pace
More informationBranch Workforce Optimization Driven By Analytics:
Branch Workforce Optimization Driven By Analytics: The Evolution of the Workforce through Advanced Analytics Second Annual Survey of Banking Executives INTELLIGENT BRANCH TRANSFORMATION Branch Workforce
More informationData, Analytics and Your Audit
Data, Analytics and Your Audit What Financial Executives Need to Know By Roger O Donnell Partner, KPMG LLP Reprinted by permission from Financial Executive kpmg.com audit Perhaps no business trend has
More informationWhite Paper. Taking a holistic approach to business
White Paper Taking a holistic approach to business Companies are required to take a holistic view to their business, operations and operation/automation systems Author: Tim Sowell, Invensys What s Inside:
More informationAT&T IoT Partner Program Because pioneering is not a solo effort
AT&T IoT Partner Program Because pioneering is not a solo effort Changing the world As organizations evolve their Internet of Things (IoT) strategies, AT&T is leading the way to help them succeed. AT&T
More informationEngaging in Big Data Transformation in the GCC
Sponsored by: IBM Author: Megha Kumar December 2015 Engaging in Big Data Transformation in the GCC IDC Opinion In a rapidly evolving IT ecosystem, "transformation" and in some cases "disruption" is changing
More informationInternal audit insights High impact areas of focus
Internal audit insights High impact areas of focus Internal audit is widely, if not universally, viewed as a key pillar in effective governance with expectations of internal audit greater and more visible
More informationAgenda Overview for Marketing Management, 2015
G00270720 Agenda Overview for Marketing Management, 2015 Published: 18 December 2014 Analyst(s): Richard Fouts Increased participation in strategic business decisions and an evolving organization put new
More informationCognizant Digital Media Services: One partner for all your content needs
Cognizant Solutions Overview Cognizant Digital Media : One partner for all your content needs is the new business driver It s engaging your audiences and opening new revenue opportunities. And it puts
More informationElastic Path Commerce for Telecoms. A Solution Overview
Elastic Path Commerce for Telecoms A Solution Overview Telecommunications: Commerce in A Connected World Communications service providers are facing a rapidly transforming business model in which customer
More informationDelivering Service Transformation for Banking
WHITE PAPER Delivering Service Transformation for Banking Making the most of your service provider partnership Contents 2 Strategic objectives and goals 2 Scope definition 3 Viable business case 3 Due
More information2018 Enterprise Cloud Trends
Research Report Conducted By 2018 Enterprise Cloud Trends REPORT / 2018 Enterprise Cloud Trends / PAGE 1 EXECUTIVE SUMMARY Companies across industries and verticals are investing more in cloud, with nearly
More informationOracle Application Strategies Decoded. Leverage Mature On-Premise
Oracle Application Strategies Decoded Oracle Licensees Continue to Leverage Mature On-Premise Applications Rather Than Migrate to Cloud/Fusion Introduction As Oracle focuses investment and mindshare primarily
More informationA Guide for Application Providers: Choosing the Right Integration Partner
A Guide for Application Providers: Choosing the Right Integration Partner Your Customers Expect Their Applications to Work Together Your customers are running more applications than ever. With the rapid
More informationModernize Your Device Management Practices Using The Cloud
A Forrester Consulting Thought Leadership Paper Commissioned By Microsoft June 2017 Modernize Your Device Management Practices Using The Cloud New Cloud-Enabled Operating Systems Deliver Ease And Flexibility
More informationThe Commerce of Things Gold Rush
The Commerce of Things Gold Rush A checklist for monetizing the IoT for profit CONTENTS Step 1: Develop and deliver your business case Step 2: Build the right infrastructure Step 3: Minimize data privacy
More informationThe Total Economic Impact Of Mindtree Infrastructure Management Services
A Forrester Total Economic Impact Study Commissioned By Mindtree Project Director: Reggie Lau October 2015 The Total Economic Impact Of Mindtree Infrastructure Management Services Abridged Case Study Focused
More informationTHE CFO OF THE FUTURE
THE CFO OF THE FUTURE Without change there is no innovation, creativity, or incentive for improvement. Those who initiate change will have a better opportunity to manage the change that is inevitable.
More informationNEW SKILLS AND PARTNERSHIPS IN IT ASSET MANAGEMENT
NEW SKILLS AND PARTNERSHIPS IN IT ASSET MANAGEMENT TRENDS FROM MATURING LICENSE MANAGEMENT TEAMS The Oracle LMS Steering Group Oracle Open World India 2017 New Delhi The Oracle License Management Services
More informationKuppingerCole Whitepaper
KuppingerCole Whitepaper by Martin Kuppinger November 2012 Assignment Management think beyond Business-driven management of all assignments from to policies and assets. Enabling your users to manage what
More informationThe Changing Role of the Operator
GE Intelligent Platforms The Changing Role of the Operator Engaging and Supporting the Operator of Today Into the Future With Advanced Software Capabilities Introduction As businesses strive to gain a
More informationIntroduction. Charting the future of customer care through a core optimization philosophy.
Ralf Hiemisch /Getty Images Charting the future of customer care through a core optimization philosophy. Until recently, the majority of the discussions Five dynamics shifting the industry around customer
More informationDevOps Guide: How to Use APM to Enhance Performance Testing
DevOps Guide: How to Use APM to Enhance Performance Testing CHAPTER 1: Introduction This short ebook discusses how combining performance test automation with application performance management (APM) solutions
More informationElevating the Customer Experience in the Mobile World
Elevating the Customer Experience in the Mobile World Mobile Devices Are an Ever-Present Feature of Our Daily Lives Tablets, phones, watches we rely on them and the applications and services that they
More informationBank Platform. Signature A Fully Customizable and Feature-Rich Banking Platform for a Sharper Competitive Edge
Bank Platform Signature A Fully Customizable and Feature-Rich Banking Platform for a Sharper Competitive Edge Fiserv is the U.S. market leader in account processing services. More than one-third of U.S.
More informationMSP: TRENDS, CHALLENGES AND THE KEYS TO SUCCESS IN MANAGED SECURITY IN 2017
MSP: TRENDS, CHALLENGES AND THE KEYS TO SUCCESS IN MANAGED SECURITY IN 2017 A report by Kaspersky Lab and Business Advantage Introduction The global managed services market is growing. According to a recent
More informationCan private cloud be cheaper than public cloud? Real stories about how companies run their private cloud cheaper.
Can private cloud be cheaper than public cloud? Real stories about how companies run their private cloud cheaper. JUNE 2017 SPONSORED BY COPYRIGHT 2017 451 RESEARCH. ALL RIGHTS RESERVED. ABOUT 451 RESEARCH
More informationData maturity model for digital advertising
Data maturity model for digital advertising Prepared for: Introduction why develop a data maturity model? The past decade has seen companies in media, advertising, marketing and commerce rapidly transition
More informationTHE STATE OF IT TRANSFORMATION
THE STATE OF IT TRANSFORMATION An Analysis by Dell EMC and VMware Dell EMC and VMware are helping IT organizations transform to business-focused service providers. The State of IT Transformation is an
More informationOptimize Your Incentive Strategy
Optimize Your Incentive Strategy Throughout the Demand Chain Marketers relying on indirect channels undertake unique challenges to capture partner mindshare and maintain sales velocity throughout their
More informationInnovating for the Road Ahead. Oracle Utilities Customer Solution
Innovating for the Road Ahead Oracle Utilities Customer Solution 2 Complete Customer Platform for Today s Utilities Deliver outstanding service in every customer interaction. Streamline operations from
More informationINTELLIGENT DIGITAL AUTOMATION PLATFORM
A I INTELLIGENT DIGITAL AUTOMATION PLATFORM Gaining competitive advantage through digital transformation of your business processes Sponsored by 1 Introduction Today, every business faces the threat of
More informationBEYOND. Brands as Platforms Learn how to ride the next wave of digital disruption
BEYOND Brands as Platforms Learn how to ride the next wave of digital disruption Digital disruption has influenced a shift in focus for consumer packaged goods (CPG) companies. Rather than just concentrating
More informationROAD MAP. Clinical Optimization How to Know When You Need an Independent Expert to Be Successful
ROAD MAP Clinical Optimization How to Know When You Need an Independent Expert to Be Successful How to Know When You Need an Independent Expert to Be Successful In a recent industry survey, 81% of healthcare
More informationGrowing and retaining your customer base with customer analytics
Vivian Braun, WW Solutions Marketing Manager 2 July 2015 Growing and retaining your customer base with customer analytics Content 2 The way customers engage with organizations is changing Organizations
More information<Insert Picture Here>
Oracle and SPL - Acquisition Announcement Delivering the most complete, integrated end-to-end packaged solution to meet the unique needs of the Utilities industry Customer and Partner
More informationAssessing the state of Web site functionality in the financial services industry fifth update
IBM Institute for Business Value Assessing the state of Web site functionality in the financial services industry fifth update It has been three years since the IBM Institute for Business Value began tracking
More informationCSG MANAGED SE RV ICE S OPTIMIZE YOUR BUSINESS OPERATIONS FOR THE FUTURE
CSG MANAGED SE RV ICE S OPTIMIZE YOUR BUSINESS OPERATIONS FOR THE FUTURE CONTENTS 3 Driving Profitable Growth 4 Delivering Measurable Business Improvements 6 CSG Managed Services Profiting in the competitive
More information