Wealth Management 101: The Hidden World of Private Banking
Tom Spencer
JUNE 30, 2023
The financial services industry comprises firms that operate across a range of sectors: Asset & Wealth Management, Banking & Capital Markets, and Insurance.
Finance Marketing Retail Strategy 
Deep Dive into Customer Segmentation (Part 1 of 2)
Tom Spencer
JUNE 6, 2020
It is a critical step towards identifying growth opportunities in business and should be carried out before undertaking any of the following actions: Developing customized marketing programs (e.g. Designing an optimal channel distribution strategy (e.g. Drawing new retail concepts (e.g. Informing your approach to the market.
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Driving Sustainable Growth at an Inflection Point
Brimstone Consulting
MARCH 12, 2020
This pivot required the organization to change its business model from wholesale agricultural commodities to the production and retail of consumer goods. While the organization had strong core values and a revitalized product, its retail strategy and brand were underdeveloped.
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3 Changes Retailers Need to Make to Survive
Harvard Business
NOVEMBER 15, 2017
Few industries are being disrupted as drastically as the retail industry. More retail purchases are moving online, and a growing number of manufacturers now sell to consumers directly, cutting out retailers entirely. The Gap Between Strategy and Execution. Below, we explore each one, in turn: Empower mid-level teams.
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Asset Management – Industry Overview (Part 1 of 4)
Tom Spencer
MAY 18, 2019
These asset classes can include public equities/stocks, fixed income/bonds, money markets, commodities, infrastructure, real estate and alternative strategies – including hedge funds, private equity and venture capital. However, the largest firms cover both retail and instutional clients – the best example being BlackRock.
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List: Global Strategy Firms 2013
Tom Spencer
JULY 22, 2013
List of Global Strategy Firms in 2013. BELOW is a hand-picked list of leading Global Strategy Firms. Maybe not, but seeing as Sydney is at the other end of the earth you would expect a truly global strategy firm to have an office there (if you want to see a list of purely Aussie strategy firms for 2013, click here ).
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Retail Sales Rise in Germany and France, Decline in Italy
MishTalk
JULY 30, 2013
Minyanville Business and Market News. Get Involved The State of the Unions Finances: A Citizens Guide. China Financial Markets. Market Oracle. Market Ticker. Real Clear Markets. Retail Sales Rise in Germany and France, Decline in Italy; Margin Squeeze in Germany and France. Automatic Earth.
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Virtual and Augmented Reality Will Reshape Retail
Harvard Business
SEPTEMBER 9, 2016
Virtual reality (VR), along with its sister technology augmented reality (AR), offers retailers the opportunity to transform how people shop. The successful incorporation of VR and AR into retail models also has the potential to vastly change the way retailers are thinking about stores of the future. Your buddy is in Houston.
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28 PM vs PMM: Where do you fit?
Tom Spencer
JANUARY 19, 2019
In technology and software companies, there are product management (PM) and product marketing management (PMM) roles. When you think about a PM’s responsibility, the first thing that comes to mind is communicating with engineers to build a product; and for a PMM, it is creating marketing materials for the product. Image: Pexels.
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60 2014 List of Strategy Consulting Firms in Sydney
Tom Spencer
MAY 15, 2014
The definitive 2014 List of Strategy Consulting Firms in Sydney. Below is our 2014 list of strategy consulting firms in Sydney. This list will be of interest to you if you live in Sydney (or you would like to live in Sydney), and: you want to become a strategy consultant, or. Pacific Strategy Partners. Source: Flickr ).
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Big Miss in Retail Sales vs. Expectations; Trend Change or Another
MishTalk
JULY 15, 2013
Minyanville Business and Market News. Get Involved The State of the Unions Finances: A Citizens Guide. China Financial Markets. Market Oracle. Market Ticker. Real Clear Markets. Big Miss in Retail Sales vs. Expectations; Trend Change or Another "Soft Patch"? Retail sales were up 0.4%
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Inside a Fortune 500 Boardroom
CaseInterview.com
FEBRUARY 11, 2020
In contrast, my favorite boardroom belonged to a clothing retail chain in California during the Great Recession of 2008. If you know finance, especially the finance of retail businesses, that’s nearly impossible. I had never heard of a retail business with such high profit margins. but was still profitable!
Oliver Wyman interview preparation: the inside story
Management Consulted
AUGUST 1, 2013
Oliver Wyman’s strategy consulting practice has made waves specifically in the financial services sector , and beyond as well. Now a subsidiary of Marsh & McLennan, Oliver Wyman is known to give MMC its strong reputation as experts over other insurance providers because of the firm’s focus on strategy. Public Policy.
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Brand Architecture – Selecting the Right Brand Architecture post M&A (Part 2 of 2)
Tom Spencer
MAY 11, 2019
When two companies are going through a merger or an acquisition (M&A), the branding strategy is often the last thing that senior management thinks about, wrongly assuming that it’s more a creative decision than a business call. In this post, we will take a look at three common approaches to post-M&A branding strategy.
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Conflicting Shopping Headlines: NY Times "Brisk Sales", Yahoo "Black Friday Shopping Crowds Thin"
MishTalk
NOVEMBER 28, 2014
Finance reports Black Friday Shopping Crowds Thin After Thanksgiving Rush. Brisk Sales The New York Times reports Black Friday Sales Are Brisk, Retailers Say, Bolstered by Online Deals. Big retailers, many of whom kicked off sales Thursday evening, reported brisk traffic overnight. Crowds Thin Yahoo!Finance
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69 Asset Management – Recent Trends (Part 4 of 4)
Tom Spencer
JUNE 8, 2019
Asset management as an industry is becoming increasingly important for a variety of reasons: The world is getting wealthier, driven by growth in emerging markets. This strategy, paired with structural changes driven by government policy (education, energy) is designed to position a country for the next generation. Image: Pexels.
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Robo-Advisers Are Coming to Consulting and Corporate Strategy
Harvard Business
JANUARY 12, 2018
Robo-advisors, which were introduced in 2008 , are steadily eating up market share from their human counterparts much the way that Amazon and Netflix have taken share from Walmart and Regal Cinemas. This would represent between 10% and 15% of total retail financial assets under management. will grow to U.S. $5 5 trillion to U.S. $7
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Customer intent is a treasure trove of actionable data hiding in plain sight
1 to 1
JULY 29, 2022
Insights into what customers want and need are more important than ever as the economy and market conditions change. What the company found was that refund and replacement inquiries were most common among industries such as retail, public sector, automotive, and manufacturing.
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Flourishing in a Social Enterprise World
Tom Spencer
AUGUST 15, 2013
Since 1972, BRAC has supported over 100 million people through social development services and almost 80% of its revenue comes from commercial enterprises, including a large-scale dairy and a retail chain of handicraft stores. Rise of Social Enterprise. The growing trend towards social enterprise could be a game changer.
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Accenture Careers
CaseInterview.com
JULY 18, 2019
The Financial Services Operating Group concerns itself with Banking, Capital Markets and Insurance. The Products Operating Group concentrates on Air Freight & Travel Service, Automotive, Consumer Goods & Services, Industrial Equipment, Infrastructure & Transportation Services, Life Sciences, and Retail. For more: [link].
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45 Three C’s Framework
Tom Spencer
JULY 16, 2015
It can help to assess the business situation in the context of entering a new market, M&A, product development, and starting a new business. How big is the market? How fast is the market growing? What is the concentration of customers in the market relative to the concentration of firms? Competitive Strategy.
Infosys Consulting Interviews & Culture
Management Consulted
NOVEMBER 27, 2016
Birthed in 2004 as a spin-off of Indian tech outsourcing behemoth Infosys Technologies, Infosys Consulting is quickly climbing the charts as an industry leader in IT Operations and Strategy consulting. Strategy and Architecture. IT Strategy. Transformation Strategy. Finance and Controlling Processes. IT Operations.
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Wal-Mart, Macy's, Kohl's Cut Profit Outlook; Cisco to Cut 4,000 Jobs, Blames Weak Economic Recovery
MishTalk
AUGUST 15, 2013
Finance reports Wal-Mart cuts profit outlook on shopper worries. cut its annual profit and revenue outlook Thursday as the world''s largest retailer expects a tough economy at home and abroad to continue to squeeze its low-income shoppers through the rest of the year. The retail environment remains challenging in the U.S.
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Succeeding at the Edge of Discomfort
CaseInterview.com
DECEMBER 4, 2019
Once I understood how to do market entry strategy, they had me do sales force performance optimization. Once I grasped how to do that, they had me do human resources strategy. Once I understood retail, they had me work with financial institutions. Ran a finance organization? Got good at sales?
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1000% Inflation in Venezuela?
MishTalk
DECEMBER 30, 2014
Currency controls that limit Venezuelans’ access to dollars have spawned a black market in which the greenback fetches 172 bolivars, compared with officially sanctioned exchange rates that range from 6.3 The government “needs to print money to finance the deficit and it is running a deficit because its revenues in bolivars are too low.”
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76 Target Drops Healthcare Coverage for Part-Time Workers, Claims No Reduction in Hours; Thank Your Employer?
MishTalk
JANUARY 22, 2014
As a direct result, numerous retail stores including Trader Joe’s and Home Depot have already stopped offering healthcare plans to part-time workers. discount retailer by sales with about 361,000 total employees last fiscal year, joined the list. Finance says You May Want to Thank Your Employer. Thank Your Employer?
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74 How Banks Can Compete Against an Army of Fintech Startups
Harvard Business
APRIL 26, 2017
It’s been more than 25 years since Bill Gates dismissed retail banks as “dinosaurs,” but the statement may be as true today as it was then. The marketing, underwriting, and servicing of SME loans have largely taken a backseat. Other sectors of retail lending have not fared much better.
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39 China Cash Crunch Eases, For How Long? Three Things China Needs to Avoid; When can Beijing Truly move to Market-Determined Interest Rates?
MishTalk
DECEMBER 26, 2013
China''s Move to Market-Set Rates Let''s step back to December 8 and look at China Relaxes Grip on Interest Rates China is relaxing its grip on interest rates with the launch of a financial instrument that allows banks to trade deposits with each other at market-determined prices. China’s credit boom is still in full swing.
Red Hot Seattle Economy
Martinka Consulting
SEPTEMBER 11, 2013
Technology is strong in the area and we have some leaders in high-end retail, like Nordstrom and Starbucks. There are more and better business buyers in the market, a lot more sellers of good businesses, and financing has not been an issue (as long as the profits support the price). Business Buying Exit Strategies Weekly Memo'
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40 Conversation with Marakon
Tom Spencer
JUNE 7, 2015
What made you decide to pursue a career in strategy consulting? Alex Formstone: In London we have three main verticals: consumer and retail, oil and gas, and financial services. Tom: Marakon is a leading strategy consulting firm. How does finance link to strategy and basic accounting? How do you work with clients?
Top 10 Consulting Firms in Boston
Management Consulted
JULY 2, 2017
The Boston office was the originator of concepts such as the experience curve, the portfolio concept, time-based competition, and segment-of-one marketing. The industry focus in Boston is on Financial Services, Wealth & Asset Management, Banking & Capital Markets, Insurance, Technology, Life Sciences & Health, and Private Equity.
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Your Strategic Plans Probably Aren’t Strategic, or Even Plans
Harvard Business
APRIL 6, 2018
But have they produced a plan with a strategy? At the start of my public seminars on strategic planning I ask attendees, who rank from board members and CEOs to middle management, to write down an example of a strategy on a sheet of paper. Sorry folks, but not even one of these responses is a strategy. Why this confusion?
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Housing Starts in China Plunge 25%; Did China's Property Bubble Finally Burst?
MishTalk
MAY 14, 2014
China’s real estate market correction — some economists are even calling it the popping of a bubble — is partly the result of a deliberate decision by the country’s leaders in Beijing. Retail sales also grew more slowly than expected in April, and the furniture market stalled as fewer families moved into new homes.
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Oliver Wyman Careers
CaseInterview.com
JULY 18, 2019
The General Management Consulting practice most resembles that of a traditional strategy consulting experience. Unlike the major strategy consulting firms, however, Oliver Wyman consultants tend to specialize into a given practice area earlier in their career. Corporate finance advisory. Leadership Development.
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Job Hub: Square Jobs and Culture
Management Consulted
NOVEMBER 11, 2015
Alex Petrov, former VP of Retail Marketing at PayPal and VP of Consumer Brands at Safeway, joined the company as Vice President of Partnerships. With this power-hitter on the team Square has already entered the market in Japan, and we’re expecting even bigger things ahead in the next year. Interview Tips & Tricks. .
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100 Surveying the Business Landscape
Tom Spencer
APRIL 15, 2015
In the pursuit of growth, should a company enter a new market, develop a new product, launch a start-up, form a joint venture, or acquire a competitor? These three strategic decisions helped to shift market power in the PC industry away from IBM and towards Microsoft and Intel. The story of the IBM PC is a cautionary tale.
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Mish's Global Economic Trend Analysis: Economic Recovery in.
MishTalk
JULY 31, 2013
Minyanville Business and Market News. Get Involved The State of the Unions Finances: A Citizens Guide. China Financial Markets. Market Oracle. Market Ticker. Real Clear Markets. Tax Collections, Retail Sales Prove Otherwise. Spains Retail Sales Decline 36th Month. Automatic Earth. Big Picture.
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70 Deflation Will Return: Europe First, Then US; Global Supply Arbitrage
MishTalk
JANUARY 27, 2014
Today''s information technology allows a multinational company to position research, marketing, finance and managerial jobs to anywhere. Currency Crisis A second deflationary factor in Europe is the emerging market currency crisis. the Fed and others way overestimate the robustness of the jobs market. In the U.S.,
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Job Hub:T-Mobile Jobs and Culture
Management Consulted
MAY 21, 2015
Power and Associates, a global marketing-information-services firm, as the highest in retail store satisfaction amongst its competitors consecutively for the the past four years and also the highest for customer care two years consecutively. market with 52.9M 28% of Management Consultants Pursue Finance.
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3 Ways M&A Is Different When You’re Acquiring a Digital Company
Harvard Business
JULY 11, 2017
Companies acquire to accelerate their overall strategy and digital transformation, as Publicis Groupe did when it acquired Sapient for $3.7 Doing digital M&A right means upending the way most companies approach financing, due diligence, and merger integration. Let’s start with financing the deal.
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28 Hilarious Transcripts of Fed Minutes from 2008 Reveal Completely Clueless Fed
MishTalk
FEBRUARY 21, 2014
January 9, 2008 : Telephone Conference Meeting of the Federal Open Market Committee Staff Report : The incoming data on spending and production have, on net, led us to revise up our estimate of real GDP growth in 2007:Q4 by about 1-1/4 percentage points relative to the December Greenbook. I didn’t quite get that. House prices are soft.
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77 Options for Post Consulting Careers
CaseInterview.com
OCTOBER 30, 2019
I hear many people go into positions in strategy. I imagine someone interested in product/marketing management is better off going into industry. If someone works in industry for three years in marketing, they have three years of experience in marketing. Work in strategy or business development for a big company.
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What Investors Need to Know About Zimbabwe After Mugabe
Harvard Business
DECEMBER 28, 2017
This is promising for a market formerly dubbed the “breadbasket of Africa.” ” Once one of Africa’s most developed markets – with a solid education system, good infrastructure, and a relatively large middle class – decades of mismanagement have cost Zimbabwe.
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28 Statistics 101 – Inference and Hypothesis Testing (Part 1 of 3)
Tom Spencer
JUNE 15, 2019
That is, models which culminate in a P&L for a business unit, projecting this out into the future, and then messing around with assumptions on drivers of value (market demand, pricing sensitivities, COGS, SG&A). Typically, strategies are then evaluated with standard approaches (e.g. Image: Pixabay.
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