With the Australian Payments Clearing Association (APCA), the banks -
including ANZ, Bendigo and Adelaide Bank, Citi, CBA, Cuscal, NAB, and
Westpac - submitted this attached to make this happen in February. KPMG has won a competitive tender to become programme manager,
the plan now is to put out a request for tender next year, and
selection of the key elements of the operating system.
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AI's CapEx Driven Endgame - A Shareholder Crash, Not an Economic Crisis
AI's CapEx Driven Endgame - A Shareholder Crash, Not an Economic Crisis Ian Harnett (Chief Investment Advisor of Absolute Strategy Rese...
Monday, July 08, 2013
Wednesday, July 03, 2013
What happens when Coles keeps prices down
A fantastic speech By - Ian McLeod, Coles Managing Director,
"What happens when Coles keeps prices down?”. Transcript below, its a good read.
Sunday, May 26, 2013
Digital Transformation - Update
I have made some more progress towards my effort on Digital Transformation as shown in the embedded presentation. More needs to be done, but sharing some insights on what I have done until now. Feedback is always welcome.
Digital Transformation - Sweet Spot

- Pure Digitisation leads to expansion of core business to digital platforms.
- Pure Transformation leads to change in traditional business model to a new type of business model.
- Combination of executing Digitisation (services and platforms) and Business Transformation (transforming culture and business model) in parallel is less agile and is a challenging task to achieve. However this is the best option, executing either option individually or sequentially will not give the desired outcome.
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