DIGITAL
Enabling cutting edge digital experiences through product design & user experience strategy, advanced AI & Machine Learning techniques, and technology enablement.
Product Design & User Experience Strategy
The world of digital is constantly evolving, and companies more than ever before are realizing that simply replicating existing offerings in the digital channel is not enough. Taking advantage of the unique value proposition of the unique combination of deep industry knowledge and technical expertise we have at Kepler Cannon.
AI & Machine Learning-based experience enablement
Developing truly cutting edge digital experiences requires the underlying infrastructure and platforms to enable truly dynamic and personalized content, and customer-specific interactions. Whereas many digital experiences rely purely on UX design, we are firm believers that UX and AI-targeted content and materials based on the hundreds of pieces of relevant information and data known about clients or prospects need to work hand-in-hand to deliver what the customer needs, when they want it, how they want it, in a low-friction way. Traditional analytical methods cannot take into account hundreds or thousands of dimensions, work with sparse data, or learn & evolve based on use and feedback. We combine AI & Machine Learning with deep product and industry knowledge to bring the most forward-thinking approaches in digital to our clients.
Digital Technology Enablement
We understand the complexity large corporate technology environments pose to making the move to a truly modern digital experience for clients. Working with legacy platforms, mainframes, cross-firm systems, and multiple infrastructure/platform change initiatives are the norm for our clients, and we’re accustomed to the added complexity. The solutions we design are immediately actionable and quickly integrate in existing environments and evolve to take advantage of evolving modernization as and when it is available. The unique tangibility of our solutions are a result of our team composition that is composed of C-suite technology executives with deep scar tissue resulting from delivering years of complex implementations combined with consultants that are change management and technology experts.
19 %
percentage of companies that have completed successful digital transformations
50 %
percent of enterprise revenue that will be driven by digital channels in 2020
10x
predicted growth in Fintech lending - from $15B in 2015 to $150B in 2025
Perspectives: Digital
Binge-Worthy Digital Advice
While the trajectory of ‘digitization’ in financial services is encouraging, there is still significant demand from customers to expand and evolve their digital experience.
The Unbundling of Retail Banking
Not unlike a piece of software, retail banking can be portrayed as a stack comprised of 3 layers, where the complexity of each services can be abstracted into discrete segments and end products.
Role Reversal: The Future of US Banks in the Online Lending Market
Following the financial crisis in 2008, Fintech startups gained a lot of prominence globally as consumers started to look for alternatives to traditional banking methods. These startups have penetrated every service area of consumer retail banking with the goal of dis-intermediating banks and becoming the new leaders of the financial services industry.
(Not) Selling Life Insurance in Asia
Amidst a boom in insurance business, Asian consumers remain largely underinsured.
The Growing Asian Wealth Management Market: Capturing the Mass Affluent Opportunity
One of the largest and fastest growing wealth segments, the Asian mass affluent, is projected to hold $43.3 trillion in assets by 2020, yet only 20% of all wealth in Asia is tapped by the wealth management industry.
Reshaping the Indian Life Insurance Market
The Indian life insurance market is the fifth largest in the world. Although the per capita premium remains lower than in other emerging markets, the size and growth of India’s working class remains one of the largest globally, presenting enormous opportunity for life insurance companies to expand into and within the Indian market.
Smart Blockchain Contracts: Are We Finally Going Paperless?
Smart contacts offer the potential to facilitate or fully automate processes that are heavily paper-based today, particularly long-winded, expensive legal processes.
Everything You Wanted to Know About Blockchain (But Were Too Afraid to Ask)
As cryptocurrencies and their underlying ledger system gain momentum, many financial institutions are trying to determine how to best be part of this revolution. In particular, they want to know how best to update their existing IT architectures and operations to capitalize on this new technology.
How Global Resourcing May Be Killing Your Company’s Efficiency
As global firms respond to the post-Great Recession regulatory and economic realities, efficiency of the back-office has become critical to ongoing success.
Are Blockchains Evolving Like Securities Exchanges?
Driven by data security concerns, a majority of financial institutions are now looking at so-called private or hybrid blockchains, rather than fully decentralized public blockchains (like the blockchain used for Bitcoin)
Reducing Strategic Over-Dependence on IT Vendors
Over time, many firms realize that they have become so reliant on vendors/contractor for critical knowledge on key applications, that they have, in fact, ceded control of those applications to the vendors.
Putting IT Infra Consumers on a Diet
One question seldom asked is “how do I put my (IT infrastructure) customers on a diet?” The demand side is often assumed as a given, and there is with little assessment of (over-) consumption by applications.
Driving Productivity Through Systems Selection
Procurement often involves multiple disparate stakeholders, systems and protocol. This complexity results in increased reliance on inefficient sourcing processes and only partially takes advantage of all the benefits available from supplier competition.
Data-driven Spend Analysis: Maximizing Spend Reduction with Minimal Organizational Drag
With the digitization of almost every element of the procurement process, large organizations are accumulating vast stores of data regarding their spending habits. Owing to its complex nature however, senior leadership is often at a loss when it comes time to mine this data and enact structural change based on the insight it provides.
Customer Engagement Index
While firms have found tremendous success in using these loyalty metrics to successfully grow customer relationships, they are lagging indicators and provide little help in providing immediate insight into whether or not improvements and initiatives are moving the needle.
An Agile Approach to Digitalizing Wholesale Banking
Credit has seen its fair share of ups and downs, from being the crux of financial services, to commoditization and mass distribution, to now being re-engineered. In the realm of Wholesale Credit, a revolution is underway.
Trends in Digitalization of Insurance
For some, Insurance might seem a monolithic industry, but for the ones keeping a close eye on it- Insurance is revamping itself faster than ever!
From days when underwriting a simple policy would take weeks and months, to now when it can be done in seconds with a simple ‘selfie’ - there seem to be no bounds in the future of this industry.
The Path to Decentralized Finance
We are on the cusp of a revolution within financial services that will have far-reaching ramifications for the +1 billion unbanked, current models of financial intermediation across entities and borders, and ultimately the very nature of how end-consumers understand financial health. As this understanding held by customers evolves, so too must the operations, services, and visions of providers.
Paycheck Protection Program Shortcomings
As large lenders fumble & face criticism for their handling of the $350 BN in forgivable SBA-backed loans, here's our perspective on what regional banks & fintechs can do right now to compete & capture value.
How to Thrive in the New Normal
Now that Business As Usual is unusual, leaders are forced to re-imagine business models and build ‘winning strategies’ - to not only survive the pandemic but also emerge as successful change-makers, shaping an altered business reality.
Age of Contactless Mobility
Cities are at a standstill, but they are bound to get moving again. Urban mobility will never be the same, and contactless payments will shape the new normal. Trends are shifting, preferences are being broken, and opportunities abound!
Reshaping Wealth Tech
Before the Covid-19 inducted recession, the wealth tech sector was already experiencing a slowdown - both in the number of new startups and total capital raised. Now more than ever, investors and operators must be bold in re-inventing their Firm's long-term value proposition.
Reimagining Marketing
The COVID-19 pandemic has re-shaped the landscape for marketers. They are not only forced to cut budgets to save costs, but also face the challenge of keeping up with new emerging customer behaviors. These unprecedented changes call for a broader shift in marketing tactics and investments to successfully navigate the current transformed landscape.
Path to Innovation
Innovation has been in vogue for over a decade but the need to be innovative has never been felt as strongly as today. As businesses are learning to thrive under the lasting effects of the pandemic, they need to reinvent products, services and customer experiences to satiate emerging patterns of demand. To truly capitalize on the opportunity, business leaders need to look beyond internal capabilities and embrace a networked model of innovation to drive positive impact.
Business Analytics in Pandemic Times
Strategic direction is evolving rapidly during COVID-19. Businesses are struggling with ways to respond to the pandemic and have numerous challenges facing them including potentially significant revenue shifts, interaction changes and resource limitations.
Fortunately, organizations can analyze readily available data by using both business and data intelligence to better serve their customers.
The Cloud-Native Paradigm
Strategic direction is evolving rapidly during COVID-19. Businesses are struggling with ways to respond to the pandemic and have numerous challenges facing them including potentially significant revenue shifts, interaction changes and resource limitations.
Fortunately, organizations can analyze readily available data by using both business and data intelligence to better serve their customers.
Solving the Data Conundrum
Strategic direction is evolving rapidly during COVID-19. Businesses are struggling with ways to respond to the pandemic and have numerous challenges facing them including potentially significant revenue shifts, interaction changes and resource limitations.
Fortunately, organizations can analyze readily available data by using both business and data intelligence to better serve their customers.
The Tale of Two Countries – Insurance
The pandemic has created unprecedented challenges for the insurance industry. Experiences of the world’s biggest economies (U.S. & China) offer valuable lessons as to where the industry can improve and change in order to better handle similar events in future and build sustainable risk management systems.
Mastering Cloud Infrastructure Spend
As enterprises complete their cloud migration journey, an increasing amount of corporate money is being pushed into cloud, and the very nature of the cost-head is shifting from capital expenditure to operating expenditure. Lack of visibility into real-time usage, unnecessary wastage of cloud resources, coupled with pay-per-go scheme of public clouds, is creating a significant dent in IT budgets.
Winning in Mature Markets
Competition is an important facet of business world, and the process of seeking growth is a continuous one. One should never stop trying to win new customers or retain existing ones. After all, competitors are always trying to win your customers over, especially in mature markets.
Navigating the Buy Now Pay Later Era
The rising aspirations of consumers combined with the limited access to, and opaque nature of traditional financing solutions, has given rise to innovative products for underserved segments. BNPL is one such solution that offers short-term financing to users with the ability to pay in definite installments with low to no interest rates.
Modernizing Credit Cards in LatAm
Over the past decade, the Latin America and Caribbean (LAC) credit card industry has enjoyed explosive growth. What makes credit cards important for LAC’s issuer portfolios?
Latent Growth in LatAm Credit Cards
The payments industry has been experiencing explosive growth across Latin America over the past few years: cash usage has decreased ~20% as consumers pivoted towards payment products that are well integrated into the financial ecosystem.