Digital Fintech Asset Management reimagined, from the Demand Side

Yesterday, I read a report that Gen X are ahead of Gen Y, as it relates to their engagement with #Digital #Retail Asset Management. #Fintech and banks jumped ahead from the supply side, each with their individual nuances. Most are not surprised. It is the slice of the Gen Digital pie after all. A counter school of thought which I …

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The Current Preparedness Checklist for the C-Suite and the Board

How well is the C-Suite, the business strategists, the futurists and the forecasters prepared, for where we are, and may witness well into the future. The future is not the next shiny object, but still remains the Long Term Value (LTV) of the customer, we all desire. digitalbrine.com | Ernest Paul |CC-SA-2 Are we narrowing the Net Promoter Score (NPS) …

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Social Media Monetization Curve Alarm

A KPI to consider if the level of social maturity has been achieved, where upon Social Monetization is a firm possibility and execution is warranted. Monetization Pursuance Initiative (MPI)  = # of positive non branded posts/total net *100 The % is likely going to be more for non-regulated, than regulated. In either case no one size, fits all. Such a KPI …

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Bridging the CMO-CFO divide

Digital Maturity

With advances in AI, predictive analytics, distilled big data, customer analytics, web and social analytics, the CMO’s role has evolved and at times been misunderstood. Their outstanding achievements in this new digital, customer- centric, data driven, and ROI centric times has not been easy. Not taking any sides – traditionally, the CMO has been the center point between the external …

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Regulators to grant Bank charters to Fintech Firms

A top regulator, ‘Thomas Curry’ from the Office of the Comptroller of the Currency revealed -Fintech firms shall be treated as ‘special purpose national banks’. The agency would for the first time start granting banking licenses to “Fintech” firms, giving them greater freedom to operate across the country without seeking state-by-state permission or joining brick-and-mortar banks to function. This regulatory …

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Where is the ROI?, not the beef

I was going back in the time machine and recalling one of the jobs I had out of college with a degree in Commerce – working as a Cost accountant in manufacturing. It was a numbers oriented job working on the AOP, boring ledgers and keeping tabs on the monthly variances from paint to man hours. Development of the AOP …

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Innovation – not talking drones – updated 6/24/15

I t is the innovation decade and sweetening of the e commerce value proposition continues. This time it is not drones. Innovation often seems to emerge with a vengeance when outside forces encroach on industry revenue, as with legislation. There are few companies who see through this matrix and insert themselves early to solve, innovate and genuinely take a page …

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Upselling and beyond, a balancing act

Was thinking about sending some food stuff (online seller name, intentionally left out) to my sister whom I have not seen in a long time and do my impulsive ‘family good’. I did a ‘food stuff’ search for a deal and promptly landed via an affiliate link, on to a ‘major food site’. Still intent on proceeding and encouraged by …

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Social amplication, curated style

An entirely new job description is emerging in the social/content space – ‘ Social Curator’. This new job is emerging out of a natural evolutionary process of sharing and collecting. Think Pintrest as one of the destinations. A social curator would ‘curate’ external content, although not necessarily one’s own (spoon content from other sites, blogs, etc ). Think of these …

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Responsive design, responsibly

My recessive geek gene appears to wake up when I think of this new possibility of cascading the content down to different devices; does give me goosebumps. All the HTML5 action and the CSS wizardry. Nice. A great explanation from Smashing Magazine “Responsive Web design is the approach that suggests that design and development should respond to the user’s behavior …

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