Category: Digital Transformation

Mehr Geld im Alter dank dem Eichhörnchen-Trick

Zsolt Czinkan & Manuel Bleichenbacher | 22. May 2019

Vielen Schweizerinnen und Schweizern wird die reguläre AHV- und PK-Rente nicht reichen, um nach der Pensionierung gleich gut leben zu können wie vorher (die Jahresrenten gingen seit 2005 real um fast 9% zurück, siehe Abbildung 1). Obwohl es sinnvoll wäre, freiwillig Geld in die Pensionskasse einzubringen, tun es die Meisten nicht. Denn die Pensionierung ist […] » read more

Release our pension fund data!

Zsolt Czinkan & Manuel Bleichenbacher | 6. March 2019

Do you know how much more or less money you will have at your disposal after retirement? It is not easy to calculate: data from OASI (old-age and survivors’ insurance, “AHV” in German) and your pension fund is needed, various tax effects need to be taken into account, and you need to exercise patience: it […] » read more

Why traditional corporate budgeting breaks agility

Zsolt Czinkan | 31. October 2018

A decade ago, the majority of IT projects were delivered using a traditional waterfall or waterfall-like methodology. The execution of these projects was preceded by a long planning and budgeting phase, typically lasting 6-12 months. Only initiatives with a carefully prepared business case would pass the gate of the budgeting process and would be taken […] » read more

Open Banking is more than API

Acrea | 20. June 2018

With the recent implementation of the Revised Payment Service Directive (PSD2) in the EU, the concept of open banking has attracted widespread attention from vested interests and consumers in the European financial industry. Thanks to the capabilities of open APIs in conjunction with the PSD2, third parties including fintech startups are now building their services […] » read more

Digitisation turns economy upside down

Michael Müller | 14. March 2018

Digitisation changes customer interactions  and gives consumers the opportunity to do business at any time. It is crucial that companies understand how to use new technologies for their benefit. Michael Müller, Co-Founder at Acrea, wrote his thoughts on the subject in the February issue of of the magazine “Schweizer Personalvorsorge” SPV 02/18. Note: The article is […] » read more

A Failure to Communicate – How the Absence of Common Language Risks Your Digital Future

Michael Müller | 28. June 2017

Our co-founder and partner Michael Müller was interviewed by Innovation Ecosystem,  a community of like-minded business leaders taking advantage of world-class resources proven to deliver results for individuals, teams and organisations, irrespective of geography, industry or company size. The podcast covers The three most typical ways businesses are being impacted by digitization – through the […] » read more

Why insurance providers should care much more about customer intimacy

Michael Müller | 5. July 2016

In their book “The discipline of market leaders” (1993) Michael Treacy and Fred Wiersema describe three generic competitive strategies: operational excellence, customer intimacy (1) and product leadership. They proclaim that, in order to be competitive, a company has to excel in one of the three disciplines. While incumbent insurance providers struggle with operational excellence (cost […] » read more

Making Digital Sanitation Work

Making Digital Sanitation Work

Christof Dornbierer | 17. March 2016

In Sub-Saharan Africa, 644 million lack access to improved sanitation of which 400 million have GSM coverage – meaning that in the future linking mobile offerings to sanitation solutions is very much a viable idea one might not have thought of. Neither did I until we got a call from a potential customer last autumn: […] » read more

Biometric Authentication: Who controls the Sensor?

Stefan Wengi | 17. January 2016

The introduction of Apple’s TouchID made fingerprint readers widely available for a large user population. Today, there are countless applications (including mobile banking apps) making use of this biometric authentication mean. In addition, other biometric authentication means are appearing in online applications. The USAA (serving millions of US military members and their families with insurance, […] » read more

Making Digital Work

Boris Reinhard | 23. October 2015

Technology is changing our life as never before. With Digital Transformation, we are noticeably heading a new age of perpetual disruption. Some see it as the fourth industrial revolution. The vast majority of companies and organizations are unsure how to cope with the challenges of Digital Transformation and how to renew their business models. This […] » read more