Different Industries, Different Digital Solutions

Every industry confronts the digital imperative. But how it plays out and the degree of impact it has on competitive advantage will vary widely depending on the specific sector. The winners will be those companies that combine traditional industry expertise with a deep understanding of the disruptive potential of the latest technologies.


Consumer and retail companies are adapting to digital disruption and using advanced analytics to enhance the online and in-store customer experience.

Winning in Digital

Companies must adapt to digital disruption.

Digital technologies are fundamentally reshaping both consumer demand and competitive dynamics in the consumer products marketplace. At the same time, these digital innovations are restructuring how consumers shop for and buy products. The result: retailers and manufacturers need to adapt to the digital challenge—quickly. Winning players are redefining their channel strategies and seizing competitive advantage by responding to digital disruption and exceeding consumer expectations.


Digital transformation is reshaping customer behavior and expectations in banking. Banks must adopt innovative design practices, re-engineer their processes, and apply digital technology and process robotics to make the customer journey simultaneously responsive and efficient.


Technology and big data have enormous potential to transform health care for the better, improving how clinicians deliver care, how pharma companies design and develop drugs, and how medtech companies innovate new products.

Crucially, new digital approaches are what's needed to help healthcare providers and payers drive down the costs of healthcare – and compete with new "born-digital" entrants. There is a far larger, untapped opportunity in cost reductions; companies are using AI to decrease healthcare payer costs by as much as 90 percent for some middle-office business processes.

Sophisticated digital technologies are helping to drive down some of healthcare's highest cost categories – without sacrificing critical healthcare staff. This is a great development for all participants, as patients are empowered to concentrate on their personal wellness, while permitting caregivers to focus on caregiving.

From electronic payments to big data analytics, technology is reshaping how money flows among consumers, merchants, and banks. Smart application of technology to develop new services, as well as sharper pricing, can generate significant returns for banks.

Corporate banking might seem far removed from the digital disruption that has rattled so many sectors. But a recent survey of corporate banking customers worldwide reveals that the industry is on the cusp of a far-reaching digital shakeout.

Business clients not only are open to transacting and liaising with relationship managers over digital platforms: the majority are willing to switch—and even pay a premium—to work with banks capable of delivering the type of integrated, omnichannel service they’ve grown accustomed to in other spheres.

Digital Economics

Technology Is Transforming Banking


Insurance consumers want a faster, simpler, and more intuitive experience across a range of platforms and products tailored to their individual needs. To win in the digital age, companies need to improve their digital fitness by building new customer-centric business models, digitizing distribution and operations, and leveraging the latest in advance analytics.


In a world where the effective and efficient delivery of public services is critical, governments are upping their digital game.

Governments need to go beyond digitizing existing processes and services. They need to harness the power of digital technologies and data to fundamentally re-imagine and transform the business models of government.

Meeting the increasing demands and expectations of more experienced digital users, especially younger citizens, means embracing technology to re-invent the way government does business.

While much progress has been made by many governments around the world, the full potential of digital government remains largely untapped. Many transactional and payment services are still not available end-to-end online. Digital services that do exist often are not optimized for mobile devices. The functionality and user experiences of online services designed and run by governments usually leave a lot to be desired compared to the best practices of commercial organizations.

Why? Legacy systems get in the way, legislation and regulations are hard to change, and security and privacy concerns are complex issues. But despite these challenges, governments recognize the potential of social, mobile, data, and cloud technologies to drive transformation in the public sector.

Successful digital transformation requires strong leadership at the highest levels; investments in science, technology, engineering, and mathematics skills; and cultural and behavioral change. Likewise, governments need to maximize their digital investments by strategically leveraging new technologies, as well as data and advanced analytics, to optimize policies, programs, payments, and systems.

Digital Transformation & Technology

Digital Disruption

Small businesses, many operated by millennials and Gen-Xers, will eventually buy insurance directly online. Insurers must adopt new market approaches to weather this digital disruption.

Technology can help companies improve customer service by tracking the channels customers have used and the information they’ve shared about their needs and problems.

Forward-thinking life insurers are using big data and advanced analytics to enhance business processes, increase market penetration, deepen customer relationships, and underwrite new risks.


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