https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo en-us 2020-07-27 07:50:41 UTC 2020-08-26 14:45:18 UTC hello@padlet.com https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699855989 People learnded how to safe on a regular basis - dont have a clue how to build wealth on the CM tho. ]]> 2020-08-26 13:58:42 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699855989 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699856326 1) Simple & less risky entry product for new to securities clients
2) Smart investment solution for young  clients (APP) with low investment ammount (Investmanager light?)
3) Thematic investments: ESG, Megatrends etc.
4) Socialt investing: "what are the others investing in?"]]> 2020-08-26 13:58:47 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699856326 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699856732 age of customers]]> 2020-08-26 13:58:53 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699856732 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857413 Good at Branches ... No Digi Advisory tool at CSAS]]> 2020-08-26 13:59:07 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857413 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857448 Tablet-based advisory with insight driven, relevant personalized offer]]> 2020-08-26 13:59:07 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857448 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857944 Lack of trust from advisors in promoting investment products, based on bad experience from crisis ; similar for clients]]> 2020-08-26 13:59:17 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699857944 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699858086 Digital traffic mngmt from outside]]> 2020-08-26 13:59:20 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699858086 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699859345 The same investments barriers (as our clients have) have our advisors and colleagues. First of all we have to onboard them. ]]> 2020-08-26 13:59:41 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699859345 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699860196 Still too product focused in sales activities - have to integrate broader context in our advisory process

]]> 2020-08-26 13:59:50 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699860196 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699860756 Fight between Deposits and Investments because of margins]]> 2020-08-26 13:59:56 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699860756 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699861092 Regular investment plans with understandable risk-return profile for mass segment]]> 2020-08-26 13:59:59 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699861092 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699863552 George´s ability to sell]]> 2020-08-26 14:00:28 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699863552 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699864552 easier processes (e.g. on behalf) for the most relevant use cases (stepwise, lump sum)

]]> 2020-08-26 14:00:47 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699864552 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699865124 New branch platform for Prosperity Advisory]]> 2020-08-26 14:00:58 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699865124 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699865505 DPM extension for affluent segments]]> 2020-08-26 14:01:04 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699865505 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699866766 streamline in mass market can make sense to focus limited adviser ressources and capabilitiies (experience, knowledge)

]]> 2020-08-26 14:01:29 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699866766 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867382 Constant communication of regular investment benefits in inflation environment, showing real case studies]]> 2020-08-26 14:01:38 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867382 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867833 Curently lack of tools in both branches and digital; (in BCR)]]> 2020-08-26 14:01:47 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867833 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867855 More ESG Products as stories sell investments]]> 2020-08-26 14:01:47 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699867855 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699868904 deliver an idea how to split the money (daily needs, safety buffer, investments e.g.) Idea: George FIT]]> 2020-08-26 14:02:06 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699868904 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699869823 It is to big to be done by a small group of individual enthusiasts. I requires to employs all relevant staff: CRM, marketing,...]]> 2020-08-26 14:02:20 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699869823 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699870469 CX perspective - there are not only investments, deposits etc. There must be whole story for customers e.g. Building up reserve then invest etc.]]> 2020-08-26 14:02:34 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699870469 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699871361 Automatize Portfolio check for customers in a few easy steps online.]]> 2020-08-26 14:02:51 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699871361 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699872943 Bankers and personal care in case of investments still essential in all segments. Branch advisors have to be capable not only use tablets but also understand the offers, training has to be set accordingly]]> 2020-08-26 14:03:17 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699872943 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699873385 Playful reporting to customers portfolio (regial, asset classes, performance etc.) ...and deliver sales events (maturing) and financial literacy (why did this happen, what does it mean)

]]> 2020-08-26 14:03:24 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699873385 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699874409 we should fully revisit products having customers in mind; for example in BCR one of riskier products is called ERSTE BALANCED...]]> 2020-08-26 14:03:41 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699874409 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699876436 our organization is mirroring the lack of wealth buidling literacy. enable people and culture with communication and mindset]]> 2020-08-26 14:04:14 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699876436 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699878882 deliver the relevant stories ...less technical product information ..only a few will understand (speaking for retail)

]]> 2020-08-26 14:04:52 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699878882 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699879428 Smart solutions are required. Not too complicated, nice visualization, personalization, 24/7 accessibility,...]]> 2020-08-26 14:05:01 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699879428 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699881370 pricing is rather complex (trx fees, management fess, account fees, per trx, per anno etc.) ...pricing document has 5 pages. we identified this as a big blocker for new investments customers.

]]> 2020-08-26 14:05:35 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699881370 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699882628 ICulture of investment services is very important. Investment penetration of employees is a metric that we should regularly check. (In EBH it is only slightly above the average client penetration.) ]]> 2020-08-26 14:05:56 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699882628 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699883494 Branch is a must, in order to provide first guidance for new customers; then can move to automated (direct debits) and top up in Digital; ]]> 2020-08-26 14:06:13 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699883494 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699884569 simplify pricing complexity (currently 5 pages of different fee types for channels etc.9]]> 2020-08-26 14:06:33 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699884569 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699886417 Today investment products are not managed in Retail; Retail is a sales channel that receive top down targets.
There needs to be a better aligment between EAM, C&M and Retail]]> 2020-08-26 14:07:09 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699886417 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699889413 In certain countries: yield curve (it is worth keeping sight depo on client side)]]> 2020-08-26 14:08:00 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699889413 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699890317 Believe in AM future in low interest rate environment]]> 2020-08-26 14:08:15 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699890317 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699893223 Advisory as the main approach...]]> 2020-08-26 14:09:05 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699893223 https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699894787 Needs huge investing in transating the product view to customer life; current communication it is abstract and does not "speak" to the customer]]> 2020-08-26 14:09:32 UTC https://padlet.com/nikolauszehetner/7tqbs6hndj2aa1jo/wish/699894787