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The US wealth management industry is undergoing significant transformation, meeting its challenges by leveraging technology. Financial advisory services are evolving from a traditional personal relationship approach to one of automation, emphasizing lower costs. New entrants are disrupting the market with innovative products and services, and established participants are adapting to the changes or losing market share. Assets are growing while the number of human financial advisors is shrinking. New operating models include discount and online brokerages and robo-advisors.
What are the last month developments in the private banking and wealth management sector? What is the impact of the new regulations over your activity? Roberto Tognoni and Frederic Gielen, Partners, answer the Agefi Luxembourg's questions.
The evolution of multiple channels for traditional retailers has resulted in fragmented operations leading to a poor user experience. Reply has coined a new term "Proximity Commerce" which better describes how retailers should approach Omnichannel. The new term "Proximity Commerce" seeks to encapsulate where retail is heading and fit with how customers and technology are driving the agenda for retailers.
In all likelihood 2015 will be a digital year, with an renewed intensity of contents and means. The Internet of things will seek in itself in the financial world. However, some initiatives will enable new uses, in particular, probably, beacons. A focus will be also strong on Cyber-security questions, with an increase in cybercrime.
The latest scenario developed by Reply that Banca Sella has chosen to extend its mobile-payments services by taking forward the experimental innovations begun with Up Mobile, is mobile POS. This acquiring solution exploits synergies between a smartphone or tablet and a PIN pad – a simple device that can read traditional payment cards.
It is time for insurers to get back their own customers data, capturing the driving data streaming from vehicles, to develop proprietary insights and to apply discount rates or more targeted and differentiated fees.
In today’s connected world, the amount of data available about an individual has increased exponentially. This white paper aims to outline the technologies being used to gather data about individuals, how this is being used and what the future could hold for data gathering.
Reply is based in Luxembourg since 2008. Its approach is characterized by the exercise of powers related to the financial regulation, the new technologies and the cyber-security. Interview of Frederic Gielen, CEO.
This third paper on Smart Beacons presents Reply’s expertise in this domain, as well as two projects the Group has worked on which involve the use of Smart Beacon technologies.
This white paper outlines the opportunity at a high level for mobile operators to innovate new services, increase revenues and develop new business lines based on Bitcoin and other key Digital Currencies currently available.
Retailers, financial-services firms, telecommunications companies, utilities and terminal manufacturers will be instrumental in the developments that change how new consumers choose what to consume, how they make purchases and payments, and how they communicate with service businesses over the coming years. Reply supports all the main players in the processes of creating and delivering innovative Mobile Commerce services.
Especially in banking, BI solutions are important management tools that enable decision making and the preparation of marketing campaigns based on facts. DAB Bank chose
Riverland Reply for upgrading Siebel Customer Relationship Management (Siebel CRM) 188.8.131.52 with Computer Telephony Integration (CTI) as well as to integrate Oracle Business Intelligence 11g (OBI).
Hi engage is Reply commercial Contextual Marketing solution. It enables brands to open a new, digital and personal channel of communication with their customers. Hi engage accompanies the customer in its purchasing journey from first advertising stimulus to the in-store experience.
The Integrated Multichannel Observatory for retail banking was launched in 2009 to monitor 30 of the main traditional and direct banks. It compares the services they offer across the various channels (web, smartphones, tablets, ATMs, contact centres, and smart TV), their cross-channel marketing campaigns, and their products and services, with a special focus on innovation in technology, processes and communication.
The digital revolution has radically altered consumer habits and profiles in all economic sectors, not least in insurance.
Moving to an “omni-channel” strategy means understanding that what customers see is not several different channels but a single company that they can contact in different contexts in different ways, according to need. It also implies an integrated approach to all the customer-contact touchpoints both at a commercial level and from a technical and organisational standpoint.
Banco Popolare chose Reply for setting up an application that allows the purchase of services on the move. The application, named "Youpay Mobile" is based on Hi credits, the mobile payments solution from Reply which enables innovative Remote and Proximity Payment services.
This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.
norisbank from Berlin, a daughter company of Deutsche Bank, decided to close its branch network and wanted to newly position its brand as a pure online bank. The goal was to build the online channel further and create a "digital branch" for the customer. Reply deployed the creative implementation of the new positioning as online bank.
Open Reply supported Tesco as a key development partner in the creation of Hudl, Tesco’s new 7 inch HD tablet.
This first paper introduces the use of Smart Beacons within the Banking Sector. It posits that ‘Smart Beacons’ can help bank branches to transform customer experience and offer more personalised services.