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Digital Disruption: The Transformation Of The Banking World
!BNP Parisbas Fortis, June 2014
jo@dearmedia.be @jcaudron
00 32 475 43 80 98
Jo Caudron °1968
Founder & CEO
Digital Consulting Firm
Co-Founder
Social Media Campaigning Platform
@jcaudron
• a digital consulting company
• founded in 2009 by Jo Caudron, currently we are 5 consultants
• our mission is to help you finding a new balance between the certainties of your traditional business and the opportunities of innovations in (digital) media
• our scope is everything in the digital space, with focus on social, mobile, tablets, location, connected TV, new radio, ...
• We work for large European clients
@jcaudron
Our Field of Activities
!Digital Transformation Modeling:
Digital impact on traditional communication, media, business, ...
Online Social
Mobile & Tablets
Future Media & Marcomm
@jcaudron
To get this started...
• Who is using?
- Facebook, Google+, ...
- LinkedIn,
- Snapchat, WhatsApp
- LBS
!
• Who is using?
- a smartphone
- a tablet
- wearable computers & biometrics
- Apple TV, Boxee, …
• Who is using?
- Netflix
- Spotify
- Bhaalu
- popcornti.me
@jcaudron
Smile, you’re in a crisis ;-)
The future is about permanently dealing with change and going in and out of moments of crisis. !Are you ready to deal with this in your business context?
Digital Transformation
Out soon!
• Our new book on the impact of digital on the world and economy as we know it
• A practical guide to help you understand the impact and how it will potentially change your business (if it’s not too late already)
• Authors: Jo Caudron & Dado Van Peteghem
• Available June 2014
• Crowd funding by pre-ordering now on www.digitaltransformationbook.com
Insights: Understanding the Power of Digital Transformation
@jcaudron
A short history of everything (in digital)
Analogue Digital
Connected (internet) Social
Everything is getting mobile
And the mobile eco-system will go to the living room very soon ...
Connected (internet)
Social
Digital
Analogue
Mobile
The Speed of Change…
@jcaudron 7.000.000.000
@jcaudron 7.000.000.000
3.000.000.000
@jcaudron 7.000.000.000
3.000.000.000
2.000.000.000
@jcaudron 7.000.000.000
3.000.000.000
2.000.000.000
7.000.000.000
Digital Transformation is really happening
@jcaudron@jcaudronDigital Transformation Modeling
From ... ... to
The Business
Digital (at the sideline)
Digital in the core
@jcaudron@jcaudronDigital Transformation Modeling
From ... ... to
The BusinessDigital (at
the sideline)
From ...
The Business
Digital (at the sideline)
@jcaudron@jcaudronDigital Transformation Modeling
From ... ... to
The BusinessDigital (at
the sideline)
Digital in the core
From ...
The Business
Digital (at the sideline)
Digital in the core
Digital in the core
Digital in the core
@jcaudron@jcaudronDigital Transformation Modeling
TV
Rad
io
Prin
t
Billb
oard
s
DM
Dig
ital M
edia
From ... ... to
Sale
s
Mar
ketin
g &
Com
mun
icat
ion
Serv
ice
& S
uppo
rt
HR IT
PR &
Ext
erna
l Com
mun
.
R&
D &
Ent
erpr
ise
2.0
Digital Transformation
@jcaudron@jcaudron
Do you accept...?How big should CHANGE be?
In order to change the world?
@jcaudron@jcaudron
@jcaudron@jcaudron
18 billions USD?!
@jcaudron@jcaudron
7 metaphors to understand
the impact of change
The Glass House
The Package
The Frog
The GatekeeperThe Traveller
The Participant
The Cyborg
THE WHEEL OF CHANGE
Imagine a world with increased transparency and higher accountability, with a new form of proximity
and the need for responsiveness…
… a world in which large monolithic structures are challenged by new (smaller) players, operating online, worldwide and according to new
rules…
… a world in which traditional partners
becomes competitors and where everyone is trying
to by-pass someone else…
… a world in which we have new opinion leaders deciding what is important and what is not: new experts, our peers, but
also driven by technology…
… a world in which mobile access is dominating everything else. Where people have access to everything, everywhere,
every time they want it…
… a world in which people want to participate and co-create
the future…
… a world in which technology becomes part of everything we
do, where every object (including ourselves) is
connected to the internet.
That is the world we live in today.
The Glass House
The Package
The Frog
The GatekeeperThe Traveller
The Participant
The Cyborg
THE WHEEL OF CHANGE
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
Accountability
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass HouseLenddo: get credit based on your social media reputation
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
Transparency Closeness
Responsiveness Speed / Agility Authenticity
Accountability Bi-directional Humanization
The Glass House
The relationship is changing
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
Angry BirdsTwitter,
Newspaper Website
CNN online / app
Blogs
Vertical sites and specialties portals
Yelo App Boxee
Spotify + Metafy
Sporza.be
LinkedIn, Monster, ...
eBay
Pinterest, blogs
Weather Pro (iPhone)
Traffic: Inrix + iCoyote (iPhone)
Digg.be
Twitter, Facebook
RSS
Breaking news
In-depth analysis
Services
Weather
Classifieds
Jobs
Sports
TVFun
Specials
Discovery
culture
Trends & Lifestyle
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
versus
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package Kaching: Facebook banking
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The PackageChirpify: pay “in stream” via Facebook, Twitter and Instagram
From monolithic to atomic
Small & Simple APPification
Long Tail Personalized Real-Time
Utility / Usability Value for Money Agile/Cloud/SaaS
The Package
Product, services and packages are changing.
From bundling to unbundling to rebundling
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
If you can sell expensive cars online, you can sell anything online.
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
By-passing Virtualization
(services, products, support,
distribution, ...) Distortion of the
value chain
The Frog
The position in the value chain is challenged
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The Gatekeeper
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The GatekeeperCrowd-sourced opinions
Peers as news distributors
Automatic algorithms
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The GatekeeperNew “experts”
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The Gatekeeper
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The Gatekeeper
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The Gatekeeper
Gatekeeper meets the Second
Gatekeeper (the power of social
media) Fragmentation of (communication)
touchpoints Recommendations Ambassadorship
The Gatekeeper
Opinion making is challenged
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
Primary location and place of consumption change
The Participant
Community Gamification Co-creation / Collaboration
The power of the crowd
Empowered Self (Self-)service
The Participant
Community Gamification Co-creation / Collaboration
The power of the crowd
Empowered Self (Self-)service
The Participant
Community Gamification Co-creation / Collaboration
The power of the crowd
Empowered Self (Self-)service
The Participant
Community Gamification Co-creation / Collaboration
The power of the crowd
Empowered Self (Self-)service
Friendsurance: “online peer 2 peer insurance”
The Traveller
Mobile technology Location / Local
Always on / Instant gratification
Decreased mobility (for society)
De-centralized / NWOW
“Good is good enough” Small Data
Consumers are uniting and creating powerful communities
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
Contextual Awareness: technology knows everything
Location/time-aware Activity-
awareProduct-aware Intention-
aware
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
The Cyborg
Quantified Self Wearable Computing
Internet of Things Big Data
Open Data Monitoring
Even Smaller Contextual Awareness
Technology keeps progressing
Things to take away ...
For most companies, this is still a mighty long way to go…
@jcaudron
Transparency Accountability
Proximity Responsiveness Bi-directional Humanization Authenticity
The Glass House
Relationship
Monolithic vs. atomic
APPification Long Tail
Personalized Experience
Speed Price
(Self-)service Scalability
The Package
Product, Service & Packaging
Bypassing Virtualization
Fragmentation of touchpoints
The Frog
Position in the value
chain
New gatekeepers Recommendations
"Good is good enough"
Ambassadorship
The Gatekeeper
Opinion making
The Traveller
Place Utility
Empowered self Delivery fulfillment
New way of working
Contextual awareness Real-time
Location & Place
The Participant
Community Gamification Collaboration
The power of the crowd
Community
The Cyborg
Internet of things Wearables
Quantified self Robotics
Data Monitoring
Progressive Technology
We have to prepare for a digital future, with new rules and new relationships
Offline Online
Be ready for Mobile
Strategy Implemen-tation
Integration
Be ready for Social
StrategyConcepts & Channels
Policy, Teams &
OwnershipRoll-out
Be ready for The Future (Digital Transformation Modeling)
@jcaudron
Beware of Macro-Myopia* !
*the trend to overestimate the impact of change on the short term and to underestimate the impact of change on the long term.
Don’t say I didn’t warn you ;-)
Digital Disruption: The Transformation Of The Banking World
!BNP Parisbas Fortis, June 2014
jo@dearmedia.be @jcaudron
00 32 475 43 80 98
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