The Frictionless Economy

There are many reasons why Amazon, Uber, Air bnb, Netflix and Google have built such successful business models. A key contributor has been their ability to increase convenience for consumers and create an experience which has less friction, than the business model they disrupted. A mundane example of frictionless is me buying coffee at the… Continue reading The Frictionless Economy

The Future of Banking

What would Banking look like in 2030? One possible scenario is the Banking industry performing the role of a Life Concierge for its customers. A concierge helps us achieve an objective by understanding our needs, curating a set of options to meet that need and by delivering to us our chosen option, whilst ensuring a… Continue reading The Future of Banking

The Digital Practitioner’s Almanac – 2

In Part 1, I discussed three points digital practitioner's should keep in mind, to successfully adopt Digital. The first was the Iceberg Principle, which suggests that digitization of the middle and back office is as important as, digitizing the front end and often requires more effort. The second was the concept of Fail Fast, that… Continue reading The Digital Practitioner’s Almanac – 2

The Digital Practitioner’s Almanac -1

As firms think about leveraging Digital to create competitive advantage, there are different perspectives and points of view on what enables success. I have created a ready reckoner, that I believe captures key considerations that will enable firms to successfully adopt Digital. For example, a consideration for organizations implementing Digital and AI is, to whether… Continue reading The Digital Practitioner’s Almanac -1