Stefanie is passionate about developing innovative business models in cross-industry ecosystems and innovative technologies such as DLT and AI. After her apprenticeship in banking, her studies and her doctorate, she worked for more than 10 years as a consultant in the field of corporate finance, M&A and company valuation at Ernst & Young and the UniCreditgroup in Stuttgart and Munich before she established applied research at Kalaidos FH Zurich as well as training courses in digital banking at the Swiss Institute for Financial Education (Schweizerisches Institut für Finanzausbildung, SIF). Since 2018 she has been head of the Competence Center Ecosystems (former CC Sourcing). Stefanie is the author of several professional articles as well as the book "Client Value Creation: The Zurich Model of Customer-Centric Banking Architecture", which was published by Springer in 2014. In addition, she is regularly invited as a speaker (e.g. Management Center Innsbruck, Euroforum) and is a member of various committees (Advisory Board Handelsblatt Bankentechnology Konferenz, jury member Diamond Star Award Handelsblatt Banken Jahrestagung).

9 Steps to Unlocking Business Ecosystems

The development of a business ecosystem promises the opportunity to provide existing customers with integrated services through cooperation, in some cases across industries, and to gain access to new customer groups. However, building a business ecosystem by yourself is a challenging task, as there are many parties to orchestrate around a value proposition that is attractive to all participants. To increase the chances of success for such a project, it is worth taking a structured approach that not only helps with the design of a promising solution, but also with discovering potential stumbling blocks as early as possible and, at best, avoiding them. One such approach, which is already used by several banks in German-speaking countries, is presented in this article.

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Five Data Strategies for Banks

Ideally, a bank’s data strategy should be derived from its corporate strategy. Possible goals of the data strategy can be process optimization with associated cost reduction, better customer understanding (which can also lead to cost reduction or revenue optimization), or the development of new business models. The following blog post provides an overview of which data strategies for banks there are generally and which use cases can be observed in practice.

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The Potential for Innovative Business Models in the Financial Industry with the Establishment of a Circular Economy

To preserve our world for future generations, we must take action now to stop global warming. The interesting question is how to achieve this. If you consider that CO2 emissions are largely caused directly or indirectly by us consumers, you could assume that we would have to do away with the customer. “Traditional sustainability makes the customer the enemy.” This is where the concept of the Circular Economy comes in, with its concept of decoupling growth and resource consumption. In contrast to linear value creation with its “take-make-use-dispose” concept, the Circular Economy relies on a regenerative system, a circular economy in which the concept of “waste” no longer exists.

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Business Ecosystem, Innovation Ecosystem, Platform Ecosystem – How Many Ecosystem Terms Do We Really Need?

The trend towards value creation in ecosystems has led to a multitude of ecosystem definitions in the past. This makes it difficult even for the interested reader to understand the research results presented. To what extent do the ecosystem concepts really differ and can the findings of one field be transferred to the other?

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Effects of the Coronavirus Pandemic on the Financial Industry

Since the beginning of 2020, the coronavirus pandemic has caused an enormous slump in the global economy due to lockdowns all over the world. The IMF expects global GDP to decline by 5%, and for the euro zone it is likely to be as much as 10.2% [1] – and these are the figures before a possible second wave. It remains to be seen how the economy will recover. What can already be well assessed, on the other hand, are the qualitative effects of the pandemic on the macro trends relevant to the financial industry.

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