Approaches aimed at increasing functionality with smaller budgets are frequently discussed at management level in established companies, but are rarely successfully implemented. The reasons for failure (or at least lack of success) of these projects cannot be attributed to general factors (e.g. company size) or even a few different factors; reasons specific to the company in question also play a role. It is clear that a successful approach must be implemented in various areas if the core of the entire process of relevant innovation is not to be abandoned.

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Leading German and European companies have stated their intention to cooperate more closely to establish a joint, pan-industry platform for online registration, e-identity and data services. The aim is to make online registration simpler and more secure for clients. The participating companies have signed a corresponding declaration of intent. The initiative was set up by Allianz, Axel Springer, Daimler and Deutsche Bank with Postbank as well as the technology think-tank Core, and Here Technologies, the location services provider.

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Global financial markets are currently in a state of upheaval due to technical innovations, shifting customer needs and regulatory requirements. Established structures are faced with the challenge of defending their existing value chain against new market entrants, especially in the field of payment transactions. Financial institutions are losing their grip on the opportunity for success, namely the customer touchpoint.

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The conditions in the financial industry are subject to a structural change. Driven by financial crises, digitalisation, mobilization and immediate availability of computer access by smartphones up to software deployment process on app stores, financial institutions see themselves exposed to a number of new challenges. The White Paper "Want >> Can" analyses and identifies the challenges for financial institutions and shows the underlying mechanisms of action. It shows solution scenarios for dealing with these phenomena, to anticipate the constant changes and to take advantage of them.

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The strategies of the largest e-commerce organizations extend far beyond pure merchandising. Amazon, eBay, Otto, and the Chinese company Alibaba offer comprehensive solutions that enable not only the exchange of goods across trade platforms and market places, but also the storage and transport of goods as well as methods of payment. Payment services particularly stand out among these elements, as their role has changed from supporting merchandising to being an independent driver of growth for these businesses.

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