My Top 5 Reads – Week 15

The best articles from the web that came on my table this week 15. Highlighted: Embedded finance by Nordea, the future of bancassurance by McKinsey, the interesting story of Dixa, a convervational engagement firm, and foreseeing the future with the “Gen Z” generation. Empowering businesses with Embedded Finance (By Nordea)First words: “The growth of embedded finance has seen an increasing number […]

My Top 5 Reads – Week 13

The best articles from the web that came on my table this week 13: Transitioning from matrix to agile, KPIs, banking and mortgages, customer service, and the impacts of digital transformation.   The Fundamentals of Transforming from Matrix to Agile (By Insead Business School)First words: “Although it remains a common way to structure an organisation, the matrix is increasingly showing its […]

Don’t Confuse Platforms with Ecosystems

I have been involved in many projects or discussion around Open Banking, ecosystems, and platform thinking in recent years. I have often seen some confusion in the terminology when talking to participants. Here is a contribution by Insead Business School to explain the differences. Link: Don’t Confuse Platforms with Ecosystems

My Top 5 Reads – Week 12

The best articles from the web that came on my table this week 12: A great review on Jeff Bezos and Amazon, Natwest’s strategy for retail banking, some good tips for designing for sales, and the future of CX according to McKinsey. I Read 23 Years Worth of Jeff Bezos’ Amazon Shareholder Letters — Here’s What I LearnedFirst words: “the early […]

Why bridging the business-technology gap is critical

It is clear that becoming digital “by default” requires most organisations to rethink the way they work. Best-in-Class bring together business and IT to work together to both develop strategy and deliver technology. It seems obvious from this survey by McKinsey that some still do not unfortunately! Link: Seven lessons on how technology transformations can deliver value

My Top 5 Reads – Week 11

My best picks from the web this week 11: The subscription model, digital marketing, continuous experimentation, innovation, life insurance and gamification, trends in CRM and retail. Today’s Business Environment Requires Continuous ExperimentationFirst words: “The world has changed, and marketers must reinvent how they reach customers, breaking down silos and increasing agility and experimentation with fewer resources.” Exploring subscription management in […]

My Top 5 Reads – Week 10

My best picks from the web this week: e-Commerce, banking and mortgages, conversational AI, and the companion model… The Trillion Dollar Opportunity in B2B2C paymentsFirst words: “Payments is an attractive and fast-growing business. Since 2016, payment companies have attracted superior valuation and traded at a significant premium versus banks, largely thanks to underlying fundamentals from low capital to high growth.” […]

My Top 5 Reads – Week 6

My best picks from the web this week 6: Artificial Intelligence and automation, agility and frontline, digital interactions and customer data generation, and customer service and excellence. Einstein Automate is just the beginning: Salesforce shares vision for future of AI and automation(Video) How agile can power frontline excellenceFirst words: “An agile transformation can release the full potential of frontline staff, […]

My Top 5 Reads – Week 5

My best picks from the web this week 5. This week: Facebook and CRM, Voice UI with Speechly, banking, and Marketing Automation. I wish you a pleasant reading! What Do 2020’s Acquisition Trends Mean For CRM?First words: “Looking back at the CRM world in 2020, it’s easy to forget this year was filled with high-profile mergers and acquisitions. Major players like […]

My Top 5 Reads – Week 47

My best picks from the web this week 47. This week: The new elements of digital transformation, data partnerships, integrating marketing and IT, and customer service is having a moment. The New Elements of Digital TransformationFirst words: “Since 2014, when our article “The Nine Elements of Digital Transformation” appeared in these pages, executive awareness of the powerful and ever-evolving ways in […]

My Top 5 Reads – Week 44

My best picks from the web this week 44. This week: Salesforce, customer experience, social listening, and marketing. The committed innovator: An interview with Salesforce’s Simon MulcahyFirst words: “The cloud software provider’s executive vice president and chief innovation officer discusses how Salesforce’s innovation process creates distinctive buying experiences.” Why data is the life force of customer experienceFirst words: “To retain […]

My Top 5 Reads – Week 43

My best picks from the web this week 43. Today: multicloud, Salesforce and Microsoft, Retail, insurance, and a very interesting article on Apple and 5G by Pr. Howard Yu from IMD Business School. Don’t miss it! Not Excited About The New iPhone 12? Apple Is Prepared.First words: “Apple brought all its usual glamour to the unveiling of its latest iPhones 12 yesterday. There […]

My Top 5 Reads – Week 42

My best picks from the web this week 42. Lots of announcements this week. Also we discuss banking and fintech partnerships, and then Big data analytics in healthcare. 5 Bank And Fintech Partnership Ideas To Generate RevenueFirst words: “Today’s realities in the banking industry:1. Banks and credit unions need new sources of non-interest income.2. Fintech startups need to start generating […]

My Top 5 Reads – Week 41

My best picks from the web this week 41. Here are my 5 favourite articles worth reading on CRM, CX and digital transformation. On the agenda: Ford and Volvo, success and failures, and a view on the Chief Digital Officer’s role. How Ford And Volvo Are Embracing Next-Gen Experience ManagementFirst words: “If there is one thing I’ve learned through the […]

My Top 5 reads – Week 40

Best picks from the web this week 40. Here are my 5 favourite articles published on CRM, CX and digital transformation. On the agenda: Agility within organisation, the CRM market for 2020-2030, customer retention, and some new releases by Microsoft and Salesforce. How to Unstructure Your Organization for the Future?First words: “Multi-layered bureaucratic organizations with centralized decision making and endless […]

My Top 5 reads – Week 39

Best picks from the web this week 39. Here are my 5 favourite articles published on CRM, CX and digital transformation. On the agenda: Salesforce, banking, automotive, and APIs to support the customer experience. Salesforce announces Meetings, Einstein Video Call Coaching and more tools aimed at improving virtual salesFirst words: “As sales organizations shift to handling most, if not all, […]

My Top 5 reads – Week 38

Best picks from the web. Here are my 5 favourite articles published on CRM, CX and digital transformation I would recommend you to read this week. On the agenda: Stockholm’s Fintech scene, data and analytics, content strategy, and customer onboarding. Data and analytics are propelling organisations into the futureFirst words: “In the Leadership Series EDGE Webinar titled ‘Embracing Data and Analytics […]

My Top 5 Reads – Week 35

My 5 favourite articles on CRM, CX and digital transformation to read this week. On the agenda: B2B Fintech, Amazon, Salesforce, retail and AI. What Amazon is Doing in Financial Services like Fintech“From payments to lending to insurance to checking accounts, Amazon is attacking financial services from every angle without applying to be a conventional bank. Salesforce Positioned by Gartner as […]

My Top 5 Reads – Week 33

Hi everyone! Lots of good articles on CRM and DX this week. Here is my selection of the ones I like best. All with a great smile because it is still summer! On the agenda: AI, Conversational analytics, retail, and customer journey map. Lack of Skills Threatens Digital Transformation“As the COVID-19 response accelerates the speed and scale of digital transformation, […]

My Top 5 Reads – Week 27

I am sharing the 5 articles on CRM, CX and digital transformation I liked best this week. On the agenda: Retail, Financial Services, mobile, and customer sentiment… Why Some Retailers Are Thriving Amid Disruption“Retailers that successfully adapt to the pandemic’s social-distancing requirements offer a model for making a quick digital pivot.” McKinsey Survey Reveals Consumer Sentiment Improving But Shifting Brands And […]

My Top 5 Reads – Week 26

Lots of good articles on CRM, CX and digital transformation this week! Here are the ones I liked best. On the agenda: Banking, Salesforce, Employee Experience, and digital transformation more generally. With human nature – not against it: How Jan Wallander made Handelsbanken unique“Handelsbanken has no sales or product targets, doesn’t believe in bonuses and empowers branch managers to make […]

My Top 5 Reads – Week 25

My 5 favourite articles on CRM, CX and digital transformation to read this week. On the agenda: Banking, Salesforce, Omnichannel marketing, and Temenos. Now Is The Time For A Conversational Approach To Customer Experience“In a recent session at Pegaworld iNspire, Paul Greenberg, best-selling author of CRM at the Speed of Light and The Commonwealth of Self Interest was talking with Pega’s Vice President, CRM Product Marketing, […]

My Top 5 Reads – Week 23

Hi everyone! I’m sharing the 5 best articles I have read this week. On my table: cross border data, data policies, Open Banking, marketing, and manufacturing. Importance of cross-border data flow“Passing digital information between countries, even though code requires no passport or transportation beyond the internet superhighway, is regulated as if it is a physical commodity. This movement (exchange) of […]

My Top 5 Reads – Week 22

I am sharing the 5 articles on CRM, CX and digital transformation I liked best this week. On the agenda: AI, Insurance, networking tools, and marketing. AI Devours Data!“Those who have worked on Machine Learning (ML) projects know that ML requires a large amount of data to train the resulting algorithms.” Inside the NSA’s Secret Tool for Mapping Your Social Network“Edward […]

My Top 5 Reads – Week 21

My 5 favourite articles on CRM, CX and digital transformation to read this week. On the agenda: B2B selling, video, CX, and retail… 5 data-driven principles for the Chief Data Officer to reshape CX strategy“Customer data platforms (CDPs), data-driven projects, big data, analytics centers of excellence, digital transformation – popular concepts these days.” Video Innovation Will Change Society“Our forced reliance on […]

My Top 5 Reads – week 20

My 5 favourite articles on CRM, CX and digital transformation to read this week. On the agenda: Steve Jobs, CX, and digital strategies. Steve Jobs VS Reid Hoffman: Which Philosophy is the right one?“Founder of LinkedIn and former PayPal executive vice president, Reid Hoffman famously said: If you’re not embarrassed by the first version of your product, you’ve shipped too late”.“ […]

My Top 5 Reads – Week 19

My 5 favourite articles on CRM, CX and digital transformation to read this week. On the agenda: Salesforce, AI, Supply chain, and B2B sales Salesforce Summer ’20 Release Notes (By Salesforce)“The Summer ’20 release delivers innovations across the entire Customer 360 Platform to support you in times of change.” How The “Amazon Effect” Is Impacting B2B Sales (By SAP)“In the consumer space, we’ve […]

#Open Banking by Didier (on Flipboard)

I have been asked several times for the link to my magazine dedicated to Open Banking on Flipboard. I’m quickly sharing the link: https://flipboard.com/@ddessens/openbanking-by-didier-semut4k4z?from=share I’m also sharing the figures to date: Over 1100 readers and 132 subscribers. Number of articles: 2500Number of flips: 7100

My Top 5 Reads – Week 18

5 new great articles on CRM, CX and digital transformation to read this week. On the agenda: Salesforce vs Pega, supplemented with Gartner’s and ISG’s analyses. We are also speaking about 3D. Magic Quadrant for CRM and Customer Experience Implementation Services (Gartner)“Decade-high demand for CRM and CX implementation services including design, UX and e-commerce saw providers in this study grow […]

My Top 5 Reads – Week 17

Hi everyone! I’ve just released my selection of Top 5 Reads for this week 17! It includes interesting insights from Thomas Siebel on AI in the Oil & Gas industry (remember Siebel CRM?). Also featuring Retail, Salesforce and Microsoft. How to be more strategic? MSDW Podcast: Frieda Maher on the challenges of the sales back office Salesforce’s Rise to the […]

My Top 5 Reads – Week 16

Hi everyone! Lots of good articles on CRM and DX this week. Here is my selection of the ones I like best. All with a new layout because it is spring, and we are all moving towards a sunnier and warmer time with a smile. 7 Ways to Analyse a Customer Journey Map A Startup Guide to Creating an Ideal […]

My Top 5 Reads – Week 15

I’m sharing my favourite articles this week on CRM and Digital Transformation. Have a nice Easter break! The New Rules of Marketing Is COVID-19 Forcing Your Digital Transformation? 12 Steps To Move Faster Quantifying the value of UX Customer Offboarding: How to Deal With Churn Advanced Remote Selling

My Top 5 Reads – Week 14

I’m pleased to share some good articles I have read this week on CRM and Digital Transformation –  #myTOP5reads How to Maintain Customer Relationships While Working Remote How to Provide Customer Support on Social Media Faster What Is Marketing Orchestration? Top 3 ways to increase engagement in e-commerce Gartner: Top-performing companies understand CX

My Top 5 Reads – Week 13

MyTOP5reads for this Week 13 focuses on voice and AI in Marketing and customer engagement. Also an analysis of the CRM leading solutions Is Voice The Next Big Thing To Transform Consumer Behavior? 3 Powerful Ways AI is Changing the Sales and Marketing Experience Right Now Dreamforce 2019 Management Journal On CRM: From Salesforce To Zoho, Which Of These 10 […]

Insider’s view: On AI-powered advanced analytics

I have received a good number of questions about Advanced Analytics and more especially about Salesforce’s Einstein Analytics in the past few weeks. As there is an increasing interest in my network, I was thinking of sharing more broadly this Fluido Smart CRM series video about Einstein Analytics. It provides good insights on the actual solution in just 8.41 minutes

My Top 5 Reads – Week 12

Here are myTOP5reads for this Week 12. 100% Corona-free. This week, my selection of the best articles on CRM and DX focuses on Marketing, Salesforce’s industry solutions, and agility in banking… Modern marketing: What it is, what it isn’t, and how to do it Why Gartner Thinks Most Marketers Will Abandon Personalization by 2025 Salesforce’s acquisition of vlocity may shake […]

My Top 5 Reads – Week 11

Focus on Healthcare, contact centers and digital transformation this week. My TOP 5 reads (Week 11). As Salesforce builds up industry-specific focus, Health Cloud gets new features Managing the fallout from technology transformations How CIOs Can Embrace Customer Centricity and Lead Transformation The seven evolutionary stages of analytics in the contact centre: How evolved are you? 360 Perspectives: Embed Customer […]

My Top 5 Reads – Week 10

LinkedIn + CRM integration this week. A bit of AI. Also, because of the season, several recent surveys to understand where we all are in DX and CRM. On CRM: LinkedIn Takes Another Big Step Towards CRM Integration 50 Stats Showing The Power Of Personalization Infosys Digital Radar 2020: Breaking through the digital ceiling Salesforce CRM Review: The Complete Guide […]

My Top 5 Reads – Week 9

“My TOP 5 reads”, Week 9 – with a focus on Next Best Action, AI, and the Nordic banking scene… Augmented Humanity: Creating A Human Context That Technology Can Enhance Next Best Action: High-performing operating model (By Pegasystems) Get Started with Einstein Next Best Action (By Salesforce) What’s going on in the Nordic challenger bank scene? Privacy And Personalization Clash […]

My Top 5 Reads – Week 8

“My TOP 5 reads”, Week 8 – Focus on digitization in retail this week + this great article on CDOs’ role and future by IMD (Not to miss) The five stages of the Chief Digital Officer–and why they often fail How H&M are shifting their focus from the high street to digital retail Why AI Adoption Starts with Psychology Why […]

My Top 5 Reads – Week 7

AI and Cognitive, digital transformation, CRM trends, and Retail in “My TOP 5 reads” this week: 50 Coginitive Biases in the Moderrn World Salesforce Blog: CRM Trends to Watch for in 2020 Evolving digital transformation: McKinsey presents its ‘business building’ strategy (CxOTalk interview) How to launch an AR/VR-powered retail experience A.I., Machine Learning, and the Future of Marketing

My Top 5 Reads – Week 6

“My TOP 5 reads” brings us this week to discuss AI, DX platforms, trends, social media, and (non-digital) must-read books on CX. Einstein discovery (AI) – Customer churn analysis for a lottery company Gartner: Digital experience platform providers face growing challenges (By CMO Australia) CRM Trends to Watch for in 2020 (By Salesforce) Why Encouraging Online Comments Could Grow Your […]

My Top 5 Reads – Week 5

“My TOP 5 reads” brings this week spotlights on marketing technology, customer contact, mobile, and disruptive innovation. Alphabet Soup: Martech Systems Are Letting Retailers Down (By Mediapost) Radical reform – the new model for customer contact (By the Drum) The evolving role of the CIO and CMO in customer experience (By Zdnet.com) 3 Things You Can Learn From Starbucks About […]

My Top 5 Reads – Week 4

Week 4 release of “My TOP 5 reads on CRM, CX and Digital Transformation”. This week, it’s about voice AI, conversational AI, customer engagement, customer service, and some lessons learned. The Dangers of Overpromising and Under-Delivering Einstein Voice: What’s Next for the ‘Alexa of Salesforce’ How conversational AI will boost CX this decade The Field Of Gold: Why It’s Time […]

My Top 5 weeks – Week 3

“My Top 5 reads”, Week 3, is on! Highlighted this week are speech recognition, platforms, AI, community fans and lessons learned… How decreasing time-to-cart can help retailers win more customers in grocery e-commerce? (By Speechly) A Study of More Than 250 Platforms Reveals Why Most Fail (By Harvard Business Review) How the Future of AI Will Impact Business (By Salesforce) […]

My Top 5 Reads – Week 2

Week 2, 2020 of My Top 5 reads is now released! This week, my personal selection of articles on CRM, CX and digital transformation includes: AI vendors to watch in 2020 and beyond Why You Need To Consider IoT In Improving Customer Experience How to balance fraud prevention with great customer experience What’s Been Missing From Client Experience: Humans What […]

My Top 5 Reads – Week 1

Be inspired in 2020! My TOP 5 reads continues this year! My own personal selection from the best from the web on CX, CRM and digital transformation. The Power Of Purpose: How Salesforce Impact Labs Is Helping Innovation Scale How the Future of AI Will Impact Business Insurance Industry Headings Towards Marketplace Model Three Technologies That Are Transforming The Retail […]

My Top 5 Reads – Week 52

Last time for this year! My Top 5 reads on CRM, CX and Digital transformation this week (Week 52). Enjoy the festive days and see you next year! Customer data platform tools top priority list for big vendors AI Customer Service Will Save You Money, but it Might Cost You Customers The Next Decade of Data: Why Retail Marketers Will […]

My Top 5 Reads – Week 51

My Top 5 reads on CRM, CX and Digital transformation this week (Week 51): How The Salesforce Revolution Can Guide Marketing And Communications Firms’ Evolution Branding is dead, CX design is king An Overview of Artificial Intelligence in Salesforce Einstein How to find out if your CRM switch is a beneficial step for the organisation The applications of AI in […]

My Top 5 Reads – Week 50

FYI – Here are my Top 5 reads on CRM, CX and Digital transformation this week (Week 50, 2019): Three barriers holding back the next wave of female digital leaders Michael Machado of Salesforce: Voice is the Future of CRM Forget digital transformation: Companies must evaluate digital maturity instead How Netflix uses psychology to perfect their customer experience Cadillac Offers […]

My Top 5 Reads – Week 49

My Top 10 reads this week (Week 49, 2019): How shoppable video will change the way we buy things How Norrøna built a recommendation engine that increased conversions by 50% (with just one engineer) Headless Commerce: Why E-Commerce Is Losing Its Head Want More Conversions On Your E-Commerce Site? Live Chat Is The Way Forward Does AI Improve Retail And […]

On AI and CRM

I’m sharing a very interesting article from Forbes on AI and CRM. Worth to read. It discusses ways to combine AI with CRM platforms to improve customer management. It also gives an overview on the kind of topics I’m dealing with on a daily basis. https://www.forbes.com/sites/danielnewman/2019/10/19/ai-and-crm-will-customer-management-get-easier/#2ea559243db9 Some quotes I have gathered: “If customer experience is the center of digital transformation, […]

Focus on Voice AI

At the last WCIT, Gary Vaynerchuk (the famous businessman) claimed that voice AI systems will be everywhere around us within the next decade, meaning we only have to speak to get what we want. At the same time, a recent survey from Gartner (June 2019) forecasts that, by 2023, customers will prefer to use speech interfaces to initiate 70% of […]

On Social Media payments

I’m sharing an interesting view on Social Media payments and especially on the collaboration between banks and social media. It came on my table this morning. I am very interested in seeing how this will translate in the Nordics. The Rise In Social Media Payments – Will Banks Collapse Or Collaborate?

On Knowing Your Customer (KYC)

We all know that KYC is a big challenge to banks, both on the retail and commercial sides. There are interesting ongoing developments here in the Nordics. I am sharing an interesting article from Finextra that gives a good overview of where we are. Quick questions: How KYC will work in an Open Banking ecosystem? Will banks invoice fintechs or […]

On bias in AI

Hej! On my table this morning, Salesforce’s approach to tackle bias in AI. An interesting interview about analytics and AI. Worth reading. I am sharing it. /Didier Link: Salesforce talks about its Einstein Analytics product for financial services and new tools to combat AI bias

Is Open Banking the biggest threat?

Open Banking: 39% of European Financial Institutions apparently view Open Banking as the biggest threat to their business model. 56% fear that cutomer loyalty will be reduced. The Question: Does it have to be that way? Not sure! Isn’t normal for any firm, whatever the industry, to adapt to market changes? Let’s discuss how to address this new business environment […]

Is traditional CRM useless?

Is traditional CRM useless? Will, instead, platforms be the new killer app to deliver an optimal customer experience across multiple channels and siloes? This is the starting point of this article from Frobes. Old same topics, new technology… What is your view on it? Link: 4 Reasons Why Customer Engagement Platforms Will Render Traditional CRM Useless