Our Digital World
"In today’s Digital World, consumers expect to have an interconnected experience that allows them to use any digital means to seamlessly communicate, transact business, connect with friends, order products and services, refill prescriptions, order pizza and track the status of the delivery online, make investment decisions, track package shipments, etc."
The Banking industry has evolved to incorporate Digital technology into its business products, services, processes, and operations.
MOST BANKS ERRONEOUSLY BELIEVE THAT IMPLEMENTING A DIGITAL STRATEGY IS SIMPLY CONTINUING THEIR TRADITIONAL BRANCH-BASED BANKING STRATEGY, BUT WITH A NEW FOCUS ON MOBILE ENABLEMENT OF SOME BANKING FUNCTIONS.
However, it is important to point out that a “mobile banking strategy” is simply a component of an Enterprise Digital Banking Strategy. This distinction is important, because Further, whatever limitations the bank has in its current traditional delivery of banking services will be replicated in its mobile banking experience, and will not be tolerated by customers.
Digital Banking Model for Delivery of Products, Services, Marketing, Channels
CONVERGENCE OF DIGITAL PRODUCTS, SERVICES, MARKETING, CHANNELS, AND DELIVERY
As Digital technology continues to evolve, and as increasing numbers of consumers embrace the digital delivery of products and services as the norm, we will continue to see the convergence of the various banking customer touchpoints.
- The Customer is the center of the banking experience
- Customers choose how they interact with the bank. Some may never enter a branch
- Customer definition is not confined to branch footprint
- Digital delivery is the centerpiece of product & service offerings
- Product and Service offerings are tailored to the customer’s delivery preferences
- Channels are non-existent, which provides a consistent customer experience
Digital Banking Strategy and Social Media
74% of online adults use social media, which has the potential to provide up-to-date and inexpensive access to customers’ opinions about your bank
- Social Media – forums for advertising and pushing the organization’s brand, products, services, reputation, etc.
- Social Networking – forums for connecting with consumers through a digital format
Digital Messaging and Marketing
In addition to Social Networks and Social Media, Traditional banks’ competitors are gathering and analyzing customers’ online search data to understand their buying habits and preferences.
And through the use of Big Data gathered from partnerships with Google, Bing, Bankrate.com, Lendingtree.com, TrueCar.com, etc., these competitors are able to tailor targeted offerings to customers – far outside of their branch footprint – each time they engage the digital web whether via mobile or computer.
“over my 17 year career, i have supported every aspect of the technology sales cycle.”
Fully engaging in pre and post technical sales activities allowed me to become a trusted advisor to every customer I’ve engaged with as their success was paramount to them and they knew it was to me as well.
“I’VE HAD THE OPPORTUNITY TO TRAVEL AROUND THE WORLD IN SUPPORT OF CHANNEL PARTNERS FOR FEDERAL, CIVILIAN AND PRIVATE SECTOR ENGAGEMENTS.”
There was no shortage of configurations and project requirements. Having the ability to adapt to each customer and situation was key. This allowed me to gain extensive experience in the area, more so in the Latin America region.
“A drive towards excellence has allowed me to earn the IBM Sales Eminence Award for outstanding performance throughout the year, the IBM i2 Pre-Sales Consultant of the Year for GMU and Employee of the Year for TRGROUP.”
Throughout these years and recognitions, I managed complex integration projects for the Brasilian Federal Police (Policia Federal of Brasil). I also had the opportunity to assist with the growth of the emerging channels market in Latin America for IBM i2’s software suite, supporting countless projects and initiatives within, and not limited to, the law enforcement, financial, insurance, travel, goods, federal, oil, communications and banking industries.
“With technology being an ever changing platform, I’ve always gravitated towards learning more, thinking outside the box and consistently striving to attain the best solution for any engagement.”
Throughout my roles, I’ve pushed myself to gain the necessary knowledge needed to understand each customer environment looking to unleash its full potential. Through the years, these integration, consulting, development and management experiences have allowed me to instill best practices to past and present customers. Having the trust of the customer is key and I’ve been fortunate to be in this situation for projects like:
- Federated Search Engine Development for IBM i2’s Analyst Notebook giving customers the opportunity to visualize and aggregate data from a myriad of sources within the same interface;
- Data analysis and facial recognition application integration;
- Intelligence repository data mining;
- Unified data transfer platform from several platforms into a common repository;
- Development and deployment of fraud detection and investigation solutions;
- Integrating graphical analysis platform with credit assessment technologies.
For the last 10 years, corruption within law enforcement agencies in Argentina has become a “normal” thing. Precincts make deals with criminals and inform them of “police-free” areas in which criminal activity can take place and the proceeds are split with officers.
Espirito Santo is seeing its fair share of similar activity with the military police on strike.
“The only thing necessary for the triumph of evil is for good men to do nothing.”
Traditional solutions exist in the market which include intelligence software, Command and control center and lead-generation solutions
watson iot division
is a rest api library that enables partners to develop solutions and apply cognitive analytics to specific context
My goal would be to leverage Watson’s IoT information and develop solutions by extracting criminal patterns, profiles and behavior and to detect and predict crime. This would apply to events currently taking place in Argentina, Espirito Santo, candidly, throughout Latin America. We could develop solutions that would allow us to:
- Better allocate law enforcement officers. Wasting human and financial resources is not an option;
- Through the combination of HUMINT, GEOINT, TECHINT and other intelligence gathering disciplines, technologies like Watson will allow law enforcement to stay various steps in front of criminals;
- Hopefully, start providing a sense of security to those who walk down the streets of our cities.
"Preparation, anticipation and planning will pave the path to success more times than not."
Back in 2009, a US based company unofficially offered me a position to manage the professional services team and become a senior consultant. After the company flew me to the US for a round of interviews, the person who was to become my future manager assured me I would get the job and should start the process of resigning from my employer at the time and commence the VISA process. Without hesitation, I resigned and awaited to start what was to be my role with the new company.
Shortly after, I learned that even though I qualified, there were a set of requirements set by the US Government that needed to be met to fulfill my responsibilities. As foreign national, I did not qualify and found myself unemployed for 7 months. During this time, I decided to study and continue assisting former colleagues. After some time, I found out the company I interviewed with, still wanted me to be a part of their team and when the position of Global Channel Enablement Manager opened up, they felt I was the right person for the job. Because it was for a different team, I went through another round of interviews, 6 in one day, and the position was officially offered by the end of the day.