Andy on Twitter

  • A great read for all of you using Google... ,
  • Great interview on AI And The Era Of The Digital Human ,
  • I pick up a new Samsung or Huawei phone and think "this is seriously good" Then I read Apple's announcements today… ,
  • Children of Men is my fave... The best 100 films of the 21st century, according to 177 film critics around the worl… ,
  • Why does my iPhone insist on auto capitalising place names? What on earth is it thinking. ,
  • Why matters more than ever... reduce the complexity, increase confidence, realise better outcomes… ,
  • This might impact the marketing budgets of big business but it really impacts the business of small business owners. ,
  • And the shakedown plays out in other ways, Google doesn’t let you target their trademarks - or even mention “Google… ,
  • Am bewildered how tech companies think "Dark Mode" is a compelling feature. Billions in R&D and what we came up wit… ,
  • Cadbury's brand purpose is just 'woke-washing' - continue to agree with Mark's comments... instead of talking about… ,
  • Couldn't agree more. And how about allowing fake review sites surface higher?Google's paid search ads are a 'shaked… ,
  • Well, thank goodness I have a 13" MacBook... MacBook ban: Qantas, Virgin Australia clamp down on Apple laptops ,
  • Let’s see if this team can redeem themselves. I suspect not. Not due to not having the best talent… ,
  • Great to see Jon and the team out with another game ,
  • A fair analysis of this awful ⁦@allblacksrugby⁩ team. How the coaches could get this so wrong is beyond me. Hansen’… ,
  • Connect

Top 10 Retail Banking Trends

Many of these apply across the financial services spectrum. Worth a read.

The Top 10 Retail Banking Trends and Predictions for 2015 are – with my comments:

  1. Using Customer Analytics to Drive Contextual Experiences (most are doing this now but will accelerate with the deployment of marketing automation suites)
  2. Expedited Deployment of Digital Delivery (already done down-under)
  3. Mobile-First Design (for sure, and most banks will abandon their failed efforts in content rich portals and pseudo news efforts)
  4. Increasing Digital and Social Selling (will accelerate with an emphasis on Digital. Social might continue but Facebook and Twitter have to do better at meeting the needs of financial services customers – early efforts were good but they are largely poor at this now).
  5. Mass Market Acceptance of Mobile Payments (we are way past the tipping point down under – the fact the US is so far behind is crazy)
  6. Focus on Security and Authentication (and not a moment too soon)
  7. Industry Consolidation (and more acquisitions of innovators as the big banks continue to go to slow to keep pace with customer expectations)
  8. Enhanced Customer Incentivization (and a doubling down on customer loyalty programs that better use digital to drive interaction patterns)
  9. Investment in Innovation, Incubation and Uncommon Alliances (I’d suggest  tweak here… most retail banks continue to deliver innovation that is a waste of time and money – largely because they are focused on digitising what they do, not what customers want. Few have any focus on the customer’s moments of doubt, desire and disatisfaction – (MODs) – as a result they are continuing to build complex products. Rather than putting customers in control, they are largely confusing them).
  10. Increased Impact of Digital Disruptors (because of the failure in 9., they will have no choice but to accelerate efforts in this area)

Speak Up — Add Your Thoughts

Connections

  • Connect
How did you connect?   [?]