For managers, 2019 will be particularly important as it will bear witness to a radical change in our approach to measuring and operating data in a systematic, automatic and increasingly autonomous manner. This year can be earmarked as one of popularization of robots in many systems, which are forming an increasing part of the workload for us mere humans.
Unlike in previous years, superficial changes to business and technology are no longer enough. The future is changing the invisible bloodstream of companies - processes and operations - requiring a digital transformation of the enterprise from the inside. With the help of ever better automation and robotics, we expect a wide variety of ways to reach customers with the use of conversational service tools. The distribution and multitude of such systems - invisible to the user - will encourage growth in new areas and approaches to development in need of ever greater control of cohesion building or sharing of tools (such as marketplace in applications). The new trends are a response to recent data challenges for companies, the distribution of systems and the higher organisational needs of an agile and automized business.
RPA: The new process automation era
Thanks to Robotic Process Automation (RPA) and skillful work on data, we are able to understand our user very well and reach him with personalized messages. We can also radically accelerate many processes, delegate time-consuming but uncomplicated tasks to automated robots and focus on the more advanced and demanding human factors.
Lifelogging and quantified self in a financial context
We are all too ready to find hard data to track how we live our daily lives. There are many measurable areas like our personal activities, health condition and the internet of things. Thanks to smartwatches, mobile apps and electronics installed in our devices, vehicles and home appliances we can gather enormous data volumes. Most of them are useless but the trend of quantifying self to improve one’s quality of life is growing.
Conversational interfaces reshaping customer service
In recent years we have witnessed the rapid development of new ways of interaction with apps and – as a result – with businesses and services. Interestingly, we’ve seen the subsequent emergence of voice interfaces, in the likes of Google Assistant and Siri, as well as a second life for texting-based interfaces via mobile messenger apps.
Marketplaces under one roof
The race for quick transfers, useful interfaces and modern design will no longer decide who rules in the world of digital banking. The competition will move to the next level, involving non-bank services, open banking, or the broadly understood Marketplace Banking, or platform approach.
Design systems – the truth about the product at a glance
In recent years, interface designers have coined the saying that the design system is the only source of truth about how to design and develop a product. Banking systems are one of the largest and most complex digital products on the market. Nevertheless, banks do not yet fully take advantage of design systems. The year 2019 must bring a change in this matter – the trend is too important for the digital products industry for big players like banks not to take it seriously.
Strategic organizational agility
Lean and Agile are the most popular slogans of top managers in banks who, fascinated by the descriptions of changes within Airbnb or Bank ING, are trying to implement this in their own back yards. Before 2017, these same terms were related to just technologies and implementations.