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Digitizing Banking Back Office = 30% cost savings but requires people-process-tech-business combo via @capgemini

Over 94% of executives see digital transformation as an opportunity.And indeed, most banks are investing in digital transformation in a big way. 

Farid Mheir's insight:

Pretty clear message her from Capgemini: consider automation of back-office (ie. not customer facing) activities in banks (hey, this applies elsewhere by the way!) can generate massive cost savings (and reduction in processing time).


Not surprisingly, this is not a technology only solution but rather a people-process-technology-business combination. As usual!


For those in need of a quick fix, have a look at the infographics instead: http://bit.ly/1c8Hr33

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Digital Transformation of Businesses
A selection of documents, articles, papers, videos and other content for those interested in the transformation that is required when going 100% digital in an organization. I also try to highlight the impacts, both positives and negatives of that transformation. Like it? Please click "Recommend".
Curated by Farid Mheir
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China’s Great Firewall is demolishing foreign websites—and nobody knows why

China’s Great Firewall is demolishing foreign websites—and nobody knows why | Digital Transformation of Businesses | Scoop.it
"When I looked at the server traffic, there was only one thing I could say."
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Russell R. Roberts, Jr.'s curator insight, March 4, 8:05 PM

Great shot of President Obama on the Great Wall of China.  But, I digress.  China's Firewall is AVG, McAfee, Avast, and Panda on steroids. The Chinese leadership  has figured out how to block nearly everything they don't want their citizens to read or hear.  Iran takes this a step forward by banning all unauthorized satellite dishes. So much for the openness of the Internet.  Of course, there are work arounds, but that would be a tedious affair indeed.  Sort of reminds me of George Orwell's classic novel, "1984."  You control access and dissemination of information, and you've got a pretty good grip on your population.  Very clever, these Chinese.  The answer is painfully obvious.  If you don't play the game, your business, computer company, or ISP just doesn't do business in the Peoples Republic of China.  Simple, neat, and frightening.  We are so spoiled in this country.  Don't fret, though.  Our appointment with Internet limitations is coming, despite what the FCC ruled on net neutrality. Control and power are the name of the game.  Aloha, Russ.

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Why 'Anonymous' Data Sometimes Isn't: the case of netflix and others #nowhereToHide

Why 'Anonymous' Data Sometimes Isn't: the case of netflix and others #nowhereToHide | Digital Transformation of Businesses | Scoop.it
Anonymous data sets are an enormous boon for researchers, but the recent de-anonymization of Netflix customer data shows there are privacy risks as well. Commentary by Bruce Schneier.
Farid Mheir's insight:

Even anonymous data can be used to identify you, when coupled with other information.

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The religious states of America, in 22 maps - Washington Post (blog)

The religious states of America, in 22 maps - Washington Post (blog) | Digital Transformation of Businesses | Scoop.it
A new survey of more than 50,000 people reveals religious differences by state.

Via Luigi Cappel
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Luigi Cappel's curator insight, February 28, 3:27 PM

Another really interesting use of maps. There are a few real surprises in here for me along with a lot of what you would expect. I'm not going to do a spoiler, I think you should follow the link and then leave a comment.

One of the more interesting takes for me after watching Jeb Bush campaigning for President in 2016 (because his faith is obviously one of his election campaign cards) was the percentage of people that have a faith, even if it is unaffiliated; and it seems obvious that this is going to play not only a major part in the campaign trail, but in all of our lives over the next few years. The question to me is whether that faith is going to adopt viva la difference, or will it be attack those who are different?

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Breather -- Get peace and quiet, on demand

Breather -- Get peace and quiet, on demand | Digital Transformation of Businesses | Scoop.it
Peaceful, practical spaces - whenever you need them
Farid Mheir's insight:

Great concept for the growing number of freelance workers and small businesses. Low cost office workspace rented by the hour. A friend booked a small space for a 4 person workshop yesterday in Montreal Balfour location. Small location, easy to access, clean with a white board and furniture, even a nespresso machine. You get there, "checkin" using the breather app, get a code to unlock the door and there you go. At 15$ an hour, unbeatable...

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Jean-Marie Grange's curator insight, February 27, 3:20 PM

Great idea, I'll have to try it!

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Online Porn Could Be The Next Big Privacy Scandal via @qz

Online Porn Could Be The Next Big Privacy Scandal via @qz | Digital Transformation of Businesses | Scoop.it
If you are viewing online porn in 2015, even in Incognito mode, you should expect that at some point your browsing history will be publicly released and attached to your name.
Farid Mheir's insight:

Beyond the catchy title, this short post highlights some very important links to help you determine if your browser sessions are safe Mine are not it seems...

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Russell R. Roberts, Jr.'s curator insight, February 25, 6:57 PM
Privacy is extinct. Be careful what you post and what you view. What you do online can and will be held against you. Our lives are now public property. Welcome to Orwell's "1984." Aloha, Russ.
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Quantified Self Products from Automated Insights

Quantified Self Products from Automated Insights | Digital Transformation of Businesses | Scoop.it
Farid Mheir's insight:

I wrote about them in the past http://sco.lt/7FRff7 and I realize now that they are expanding their service offers into many other fields, including fitness which makes the whole solution way more personalized. Companies should take notice as they try to get more and more personal with their customers.

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New York City’s Grocery Delivery Wars: Who’s the Winner?

New York City’s Grocery Delivery Wars: Who’s the Winner? | Digital Transformation of Businesses | Scoop.it
The field of grocery delivery in New York City has become increasingly crowded with novel options. Metro Money’s Anne Kadet examines which service is best.
Farid Mheir's insight:

Once you get over the initial novelty, online grocery shopping is all about low prices and quality of services it seems.

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How technology will transform our Airlines in 2015 via @virgin australia CEO

How technology will transform our Airlines in 2015 via @virgin australia CEO | Digital Transformation of Businesses | Scoop.it
Technology has changed the world that we live in and this year airlines will be taking to it in a big way,Virgin Australia CEO John Borghetti explains...

Via TechinBiz
Farid Mheir's insight:

of course personal devices are in there but surprised not to see security concerns appear in there.

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Lori Wilk's curator insight, February 9, 6:46 AM

This #news about #airline industry use of #technology to enhance the #customer experience was absolutely worth reading and sharing. Impressed with Virgin Australia's in-flight entertainment that provides passengers with more than 300 hours of #entertainment streamed to their devices. I loved the comments by Virgin Australia CEO John Borghetti about always looking for ways to improve the in-flight enterainment and to stay ahead of the game. 

KARIM MEKACHERA's curator insight, February 15, 12:57 AM

Improving customer experience never stops....

Russell R. Roberts, Jr.'s curator insight, February 21, 10:50 PM

A flying "cattle car" with little security measures in evidence.  I'll pass on this one.  This is an accident waiting for a place to happen. Leave it to some disaffected person to create a crisis in such a large and vulnerable configuration.  Aloha, Russ.

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Anticipating 2025 book review via @FranckDiana

Anticipating 2025 book review via @FranckDiana | Digital Transformation of Businesses | Scoop.it
I spent time over the Christmas holiday reading a book titled Anticipating 2025. Forward looking analysis that connects leaders with disruptive scenarios and their implications are invaluable, and ...
Farid Mheir's insight:

Always good insights from Franck Diana. This is especially good because of the angle it takes, looking at the world as if we were in 2025.

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Russell R. Roberts, Jr.'s curator insight, February 19, 12:50 AM

A somewhat frightening scenario for our immediate future.  You ignore Franck Diana's warnings at your own peril.  Excellent analysis of the coming age of digital reality, robotic technology, and artificial intelligence.  Aloha, Russ.

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Most Innovative Companies 2015

Most Innovative Companies 2015 | Digital Transformation of Businesses | Scoop.it
Stories tagged with Most Innovative Companies 2015.
Farid Mheir's insight:

Interesting how innovation often rimes with digital transformation or disruption... This list provides 50 good starting points for those looking to reinvent their business.

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9 Out Of 10 Big Pharma Companies Spent More On Marketing Than On R&D

9 Out Of 10 Big Pharma Companies Spent More On Marketing Than On R&D | Digital Transformation of Businesses | Scoop.it

Source: Dadaviz http://dadaviz.com/i/3194 Worth scanning through this site because of their visualization variety.


Via Bonnie Hohhof
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5 Growth Lessons from Uber and BuzzFeed

5 Growth Lessons from Uber and BuzzFeed | Digital Transformation of Businesses | Scoop.it
BuzzFeed and Uber are two of the world's fastest growing startups. Here are 5 lessons about how data, technology and closed-loop systems fuel their growth.
Farid Mheir's insight:

Amazing insight on how new companies are using data to define their business model and evolve it.

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CIOs Should Lead Digital Transformation

CIOs Should Lead Digital Transformation | Digital Transformation of Businesses | Scoop.it
I've saved the best for last in this series of posts on responsive IT. In our survey of 750 business and technology leaders (around 200 from IT and the remaining 550 from other parts of the busines...
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William Henderson's curator insight, February 15, 2:43 PM

I read articles that stated the CIO position was going to become extinct. For now, I do not believe it. That is why this article makes so much sense to me. The CIO has to maintain a leadership position in this digital age. They should be at the table of every executive meeting when discussing strategy and tactics.

 

Here are two operative statements in the article that I think are very important and support my last two blogs concerning, in part, where IT should spend their time.

 

*As your business becomes more digital – whatever that means for you – job 1 is to figure out how to minimize or offload the things that are not central to this transformation as quickly as possible.

 

*CIOs who want to play this leadership role must get serious about changing how they spend their time.

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The Ecommerce Graveyard: How 37 Popular Sites Used to Look – Shopify

The Ecommerce Graveyard: How 37 Popular Sites Used to Look – Shopify | Digital Transformation of Businesses | Scoop.it
A blog about ecommerce marketing, running an online business and updates to Shopify's ecommerce community.
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Spies Can Track You Just by Watching Your Phone's Power Use | WIRED

Spies Can Track You Just by Watching Your Phone's Power Use | WIRED | Digital Transformation of Businesses | Scoop.it
Researchers at Stanford University and Israel's defense research group Rafael have created a technique they call PowerSpy, which they say can gather information about an Android phone's geolocation merely by tracking its power use over time through...

Via Luigi Cappel
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Luigi Cappel's curator insight, February 21, 4:44 PM

There is no question that technology from Israeli experts, many of whom are ex military on a level with DARPA are extremely clever and these new concepts make some sense. In the case of the average person, all you really need to do is invent location based apps using GPS that sufficient people want to use, or capture the unique signals of mobiles via WiFi and Bluetooth that already pervade the ether.

I'm assuming a key issue they are trying to deal with are burners, such as we see on TV shows and movies. Prepay mobiles that people wanting to commit crimes buy and use on a one off basis so they can't be identified. They would therefore not be running apps (at least not ones that are registered with Apple, Google or Microsoft, unless they were wolves dressed as lambs. This is probably now common practice amongst more intelligent criminals, or ones with a lot to hide and if the purpose were to monitor terrorists, they would have additional difficulty identifying them.

Interestingly, these phones would be very attractive to the manufacturers because they would get full price for them, but keep replacing them.

Location based tracking is something that is becoming pervasive and will become significantly more so, mostly for good reasons rather than bad, but as a side effect, each new development chips away at our privacy. For me, I don't have a problem because I don't deliberately commit any crimes. However, if I lived in a country where my private information could be abused, I would have a very different attitude and therein lies the real concern.

When a state that denies people their rights of belief, of individualism, of freedom of speech and to democracy abuses its people, this inevitable technology including IoT, Bluetooth, RFID, Drones, smart cars and mobile apps can become a powerful means to control society to a point where human rights cease to exist. Orwell, Kafka, Philip K Dick and many others if they were still alive would be sending Tweets out right now saying "We told you so".

Don't get me wrong, I'm a big fan of benevolent use of these technologies. I just have the luxury of living in a country that fundamentally cares about its people regardless of their beliefs, the color of their skin, their lifestyle and their physical and mental health. We can use those technologies to improve people's quality of life. That can't be said for many other countries right now. Technology does not recognise borders of sovereignty or of right or wrong. It just is.

Russell R. Roberts, Jr.'s curator insight, March 1, 11:33 PM

This is scary stuff.  National Security issues aside, I don't feel comfortable around the "PowerSpy" program...too much room for abuse of privacy and identity theft. I think my purchase of an Android smartphone will be postponed.  Eventually, all the other cellphone makers will jump on the "PowerSpy" bandwagon.  When that happens, I'll go into retrograde mode and hook-up my analog telephone.  I still have an analog, telephone land line phone.  It's come in handy when tropical storms and other natural disasters found in Hawaii knock out cellphone towers.  A cautionary tale for all of us.  Be careful for what you wish for--you may get it.  Aloha, Russ.

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No Two Digital Cameras Are the Same: Fingerprinting Via Sensor Noise #nowhereToHide

No Two Digital Cameras Are the Same: Fingerprinting Via Sensor Noise #nowhereToHide | Digital Transformation of Businesses | Scoop.it

The previous article looked at how pieces of blank paper can be uniquely identified. This article continues the fingerprinting theme to another domain, digital cameras, and ends by speculating on t...

Farid Mheir's insight:

How the noise from your camera sensor can help authorities identify you as the author of a picture. Nowhere to hide...

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Why CIOs should be business-strategy partners via @McKinsey

Why CIOs should be business-strategy partners via @McKinsey | Digital Transformation of Businesses | Scoop.it
Our latest survey of business and IT executives finds that IT performance increases across the board when CIOs are involved in shaping business strategy. A McKinsey & Company article.
Farid Mheir's insight:

Full of data that shows how different the perspective is on the IT function. CIOs believe they should cut cost and run servers, when in fact non-IT executives expect IT to deliver data and analytics, even if it means growing their budget. Must read for anyone in IT.

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William Henderson's curator insight, February 27, 9:00 AM

This article dovetails nicely with my last several posts concerning the transformation of the IT department. The majority of the article deals with the results of a McKinsey survey. To me here are two of the most important statements that summarize the survey:

 

*IT performance increases across the board when CIOs are involved in shaping business strategy.

*Few executives say their IT leaders are closely involved in helping shape the strategic agenda, and confidence in IT’s ability to support growth and other business goals is waning.

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#Montreal unveils its digital strategy

#Montreal unveils its digital strategy | Digital Transformation of Businesses | Scoop.it

Inspired by global best practices, stimulated by an ongoing dialog with Montréalers, the Smart and Digital City Office is working in nine key areas to make Montréal a world renowned leader among smart and digital cities by 2017.

Farid Mheir's insight:

I am proud to have helped shape the strategy with the Digital City Office. Great team, great vision.

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Jean-Marie Grange's curator insight, February 24, 3:14 PM

Smart!

I haven't read the 50 pages of the strategy yet, but the first good news is that there is a digital strategy!

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The Who, What and Why of Food Trends for 2015 - Big Data meets customer science via @dunnhumby

The Who, What and Why of Food Trends for 2015 - Big Data meets customer science via @dunnhumby | Digital Transformation of Businesses | Scoop.it
Farid Mheir's insight:

how grocery store food basket analysis provides new big data insights into customer segments. It leads to customer segments such as "natural sweetners".

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Technology Vision 2015 via @Accenture

Technology Vision 2015 via @Accenture | Digital Transformation of Businesses | Scoop.it
Our 2015 Technology Vision provides vital signposts to the tech developments we believe will have the greatest impact on business over the next three to five years.
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Russell R. Roberts, Jr.'s curator insight, March 1, 11:03 PM

The future is rapidly coming down to earth.  Just look at the advances made in technology/science over the past 5 years.  This year promises to accelerate "The Internet of Things" and those devices supporting this technology.  Your home and business are being forever changed.

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Open Source Intelligence (OSINT) Tools via @RecordedFuture

Open Source Intelligence (OSINT) Tools via @RecordedFuture | Digital Transformation of Businesses | Scoop.it
Open source intelligence (OSINT) tools can provide a unique view for analyst teams.
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How Do You Rank the World’s Best CEOs?

How Do You Rank the World’s Best CEOs? | Digital Transformation of Businesses | Scoop.it
How do you measure a CEO’s impact? An HBR team recently addressed that question by ranking CEOs according to the increases their companies have seen in total shareholder return and market capitalization across their whole tenures.

Via Bonnie Hohhof
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Create Custom News Streams Based on Your Specific Sources and Filters

Create Custom News Streams Based on Your Specific Sources and Filters | Digital Transformation of Businesses | Scoop.it
News defined by you.

Via Robin Good
Farid Mheir's insight:

Makes me think of www.recordedfuture.com or news.google.com on steroids. 

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Stephen Dale's curator insight, February 10, 11:55 AM

Another excellent personal information management tool, HT to Robin Good for spotting.

Marta Torán's curator insight, February 11, 8:27 AM

Para leer las noticias que te interesan

Len Ferrara's curator insight, February 14, 12:31 AM

This looks great!

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Data analytics for HR: how to make effective recruitment

Data analytics for HR: how to make effective recruitment | Digital Transformation of Businesses | Scoop.it

"If we can apply science to improving the selection, management, and alignment of people, the returns can be tremendous."


Via Luca Naso
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Luca Naso's curator insight, February 10, 10:50 AM

Big Data help to make better decisions also when it comes to choose a "person".

1. Tune hiring policies

2. Focused recruitment marketing

3. Evaluation based on "public" work

4. Proactive hiring

5. Recruiters still matter (and they need to update their own skills)

Tavo De Leon's curator insight, February 13, 7:25 PM

Data Analytics and Big Data are beginning to shape the evolution of the recruitment process

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CIO Tech Priorities 2015 - IDG


Via iNeoMarketing
Farid Mheir's insight:

Very thin but with some interesting stats nonetheless. especially the chart where IT spend is rising.

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iNeoMarketing's curator insight, February 9, 8:50 PM

What you'll find interesting is that MarTech is not mentioned. I don't know if its not on the radar, or it has been folded into the other categories. Whatever the case may be, know that the CIO's plate is pretty full.