1. SUMMER — 2019
Financial Services:
The Next Stage of
Growth
We help you navigate your growth
opportunities, adapt to new consumer
realities, and identify how to win in the
new era of financial services.

2. 2
Ready for Growth?
A diverse number of growth
opportunities await to be…
unlocked.
The empowered consumer, eroding benefits of
scale for large companies, disruptive new entrants
and new possibilities with consumer data are a
handful of the trends currently transforming the
financial services industry. Whether these changes
are turned into growth opportunities depends on
how well they are assessed and turned into strategic
actions.
What does the
future hold for
financial
services
companies?

3. 3
Being big is no longer an advantage in the
marketplace, where new entrants are winning by
doing a few things extremely well.
Focused customer value propositions
More transactions migrate to a single default entity
that is seamlessly linked, while physical interactions
become obsolete.
Simplicity through seamless integration
Funding instruments become more company-friendly
with wider options and faster funding stages.
More funding alternatives
Cross-subsidizing across consumers was the old
world. The continuous update of risk profiles,
including event-based coverages becomes reality.
New definition of risk and rewards
Sharing and distilling the right data for maximum
consumer value becomes a key competitive
advantage.
Cash is king? No, data is!
What does this
future look like?
A snapshot
Ready for Growth?

4. 4
Ready for Growth?
Analysis should never lead to
paralysis. We put you on a
robust growth track.
We help leading financial services to identify,
select and navigate their growth opportunities
ranging from platform business model
offerings to a truly differentiated value
proposition, product & service optimization
to consumer experience and the required
organizational change and engagement.
What we do

5. How to stay
on Top of the Game
in Financial Services
We believe the following to be
the key imperatives…
Ready for Growth?

6. Stay on Top of the Game
6
“The reason why it is so difficult
for existing firms to capitalize on
disruptive innovations is that their
business model that made them
good at the existing business
actually make them bad at
competing for the disruption.”
– Clayton Christensen
Harvard Professor and Thought Leader

7. IMPERATIVE
Take the necessary steps to reach a compelling position in emerging Ecosystems. Do
not try to be “everything to everyone”, but reach a niche and a value-adding role in the
relevant ecosystem.
Opportunity
# 1
How can we
identify where
to sustainably
win in our
business?
Carve out your sweet spot in
the Ecosystem.
7
Stay on Top of the Game

8. Stay on Top of the Game
8
“We are witnessing the creative
destruction of financial services,
rearranging itself around the
consumer. Who does this in the
most relevant, exciting way using
data and digital, wins.”
– Arvind Sankaran
Business Consultant and former HSBC Executive

9. IMPERATIVE
Opportunity
# 2
How do we
break down
organizational
silos and
become
faster?
Embrace new ways of working
and unlearn others.
Strengthen organizational learning and set up new ways of working that will foster
collaboration and innovation, bridging organizational silos and collapsing functional
barriers where necessary. To unlock your business potential, initiate activities to
promote specialist know-how in an interdisciplinary setting.
9
Stay on Top of the Game

10. Stay on Top of the Game
10
“Direct competition can be your
partner - we cooperate in
technology with companies that
have previously been seen as our
direct enemy. If you don’t think
this way, you are
going to shrivel.”
– David Mclennan
CEO Cargill

11. IMPERATIVE
Opportunity
# 3
How can we
ensure a
positive return
on our
technology
investments?
Innovate and wisely choose
who you “data-partner” with.
Identify the investments that fit to your business model, knowing where you need to
win - the right technology will drive down cost-income ratios. Wisely chose whom you
share data and partner with to leverage information as your competitive advantage.
11
Stay on Top of the Game

12. Stay on Top of the Game
12
“We don't have consumers anymore.
We have people engaged in the
community who want to use different
services. Therefore, you need to
become a curator of apps, APIs, and
analytics from marketplaces that give
the best overall customer experience.”
– Chris Skinner
Best-selling author & commentator on financial markets

13. IMPERATIVE
Opportunity
# 4
How do we
create a truly
seamless and
fruitful
consumer
experience?
Forget about share of wallet;
focus on creating share of life.
Walk in your consumers shoes and find ways to make their lives easier. Tailor and
design experiences that create meaningful value in their life.
13
Stay on Top of the Game

14. Stay on Top of the Game
14
“Brands are one of the only
sources of competitive
advantage. Technology, even the
most advanced, gets obsolete or
gets copied, capabilities get
outdated, assets depreciate. But
brands keep growing over time.”
– Dr. Erich Joachimsthaler
CEO and Founder Vivaldi

15. IMPERATIVE
Stay on Top of the Game
Opportunity
# 5
How can our
brand be more
relevant in our
consumers’
lives?
Strengthen your
differentiation and narrative.
Win with a compelling vision and a brand that is well positioned on convenience AND purpose.
A positioning crafted in consumer insights will help to maximize consumer relevancy and
competitive distinctiveness, fuelling your sales and growth activities.
15

16. How to stay on Top
of the Game
in Financial Services
How we can help…
Our Offering and
Project Examples
16
Ready for Growth?

17. 17
Here’s how Vivaldi can unlock your growth potential and achieve immediate
impact.
Carve out your sweet
spot in the Ecosystem.
• Portfolio Strategy
• Value Proposition
• Platform Business
Model Ideas
• Consumer Co-Creation
• Rapid Prototyping
• Potential Estimation
Embrace new ways of
working and unlearn
others.
• Digital Transformation
• Capability Assessment
• Agile Digital Processes
• Employer Value
Proposition
• Employee Engagement
Initiatives
Innovate your way –
wisely choosing who
you partner with.
• Innovation Strategy
• Make or Buy Decisions
• Business Case
Modelling
Delight the community
you serve,
personalizing the
experience.
• User Experience Design
• Consumer Journey
Optimization
• Communication and
Media Strategy
• Media Investment
Optimization
• Web, Mobile and Social
Creation
Strengthen your
differentiation and
narrative.
• Brand Strategy
• Positioning
• Marketing Funnel
Optimization
• Brand Value and
Sentiment Analysis
• Brand KPI Tacking
Navigating
Opportunities
Our Offering

18. 18
About Vivaldi
We are an independent,
global strategy firm focused
on commercial impact.
Our firm has helped some of the most
ambitious and revered companies build
strong brands, drive new business models,
develop new markets, and change industry
and category dynamics.
Who is
Vivaldi?

19. The shape of business and the marketing dept has changed. We generate
impact by applying the rigor, rhythm and results required in this new era of
building brands.
• Data Analytics
• Dynamic Reporting
• Performance Marketing
Commercial
Impact
The reason you build your brand
• Brand Strategy
• Innovation & Growth
• Organizational Transformation
Consult
The rigor required to win
• Creative Content
• Experience Design
• Identity & Technology
Create
The disruption required in market
19
The Vivaldi Model
Built how business is done today
The
Vivaldi Model
About Vivaldi

20. 1000+
Strategy, Design, and
Implementation Project
Engagements around the
world
500+
Years of Combined Work
Experience by
our Senior Partners
50+
Clients and Brands
in the Fortune
Global 100
25+
Years of Thought
Leadership About How to
Grow Brands
20
We help clients reach their growth potential.Some of our
growth numbers
About Vivaldi

21. 21
And have led brand leadership for 20 years and are experts on
(platform) growth.
Thought Leadership
on Growth
About Vivaldi
Our unique expertise in Platforms
encompasses today’s model for
(re)building brands, digitally.
Our recent Platformization Potential
study is making waves in the industry.
Explore the study here

22. 22
We are 115 Strategists, Designers, Engineers, & Managers spread over 10 offices,
covering the Financial Hubs of the World of New York, London, and Zürich.
We are where
financial business
gets done
About Vivaldi
New York
London
Zürich

23. 23
We’re proud of the marks our team has made as some of the best and
brightest around.
Consistently
awarded
Best Consultants &
Best of Consulting
About Vivaldi

24. 24
Our experience spans industries across B2B & B2C, for brands large & small, in all
parts of the world, including prominent clients in the financial services space.
Here’s a snapshot on who our team have worked with.
Some Client
Relationships
Our Clients

25. “ “ “
25
We’ve left a lasting impression on our clients. Here’s what just a few have to
say.
“Many consulting firms
create strategies and
campaigns. But only a few
manage to change how a
marketing organization
works and behaves... Vivaldi
is one of our most valuable
partners.”
“It is clear Vivaldi is as
invested in the success of
our internal branding efforts
as we are. They really
elevated our plan and
provided us with the
guidance to execute our
internal implementation
with confidence.”
“Vivaldi combined craft and
science in an end-to-end
process that started by
deeply understanding
traveller needs and ended
with a line-up of products
that attracted new
customers to our brand.”
Voices of some
of our Partners
About Vivaldi

26. 26
Transforming
into a customer-
centric company
AMERICAN EXPRESS was
seeking for ways to make the
organization more innovative,
using a customer-centric
approach. We helped
AMERICAN EXPRESS:
• conduct “cubicle
anthropologies” and gap
analyses to determine the
organization’s needs
• develop a Customer First
curriculum and training
program, with a new
philosophy, guiding principles,
language markers, tools and
templates
• put in place a holistic approach
to drive awareness,
understanding, and
commitment at every level
Project Examples
RESULT:
A consumer-
focused & highly
engaged
organization

27. 27
Strengthening
internal branding
CREDIT SUISSE’S private
banking and wealth management
branch joined forces with its
investment banking group to form
one unified company. Vivaldi was
hired to develop an aspiring and
convincing internal branding
strategy. We helped
CREDIT SUISSE to:
• review the first draft of the
internal communication
presentation by the internal
team
• design a multi-year roadmap
for internal brand
communications
• formulate pragmatic and
relevant initiatives that were
subsequently laid out into
implementation plans
RESULT:
A strong internal
branding for
strategy execution
Project Examples

28. 28
Making marketing
objectives and
ROI tangible
UBS Wealth Management’s Client
Insight team wanted to establish
a performance measurement
system and dashboard to track
the ROI of its marketing efforts.
We helped UBS to:
• analyse present marketing
performance measurement
tools, KPIs and dashboards
• pilot a dashboard in a
selected market, integrate
feedback and redesign its
reporting structure
• develop an objective-led
measurement approach by
identifying relevant KPIs and
developing an impact-driven
reporting structure
RESULT:
An impact-driven
marketing reporting
structure
Project Examples

29. 29
Creating a
targeted value
proposition
GENERALI had a lack of
relevance among their target
groups of young professionals
and young families, with
customer-centricity being a key
strategic pillar not yet rolled-out
to retirement savings. We helped
GENERALI to:
• discover deep customer
motivation patterns in
qualitative market research
and personal interviews
• perform opportunity sizing to
establish a business vision
• develop a relevant positioning
& marketing strategy for a
retirement offering for a hard-
to-reach, young target
audience
RESULT:
Launch of the first
app-based
retirement plan in
the Swiss market by
an insurance
Project Examples

30. 30
Segmenting the
travel market for
product launches
WESTERN UNION wanted to
understand the market potential
of relevant sub-segments in the
global leisure traveller market of
developing countries. We helped
WESTERN UNION to:
• generate insights about
travellers' behaviour and the
overall market size
• perform a cluster analysis
based on demo-, socio- and
psychographic attributes to
identify relevant sub-
segments of travellers
• extrapolate segment sizes
and prioritize them
• provide the basis for the
launch of 3 new product and
service offerings in the USA,
UK, and Germany
RESULT:
Tailored
and successful
offerings for
different travel
segments
Project Examples

31. 31
The senior team in Vivaldi’s London office has extensive experience with
leading financial services companies all around the world.
ROLAND BERNHARD
Senior Partner | London & Zurich
Roland is a Senior Partner at Vivaldi and
leads the Zurich and London offices. He
brings over 25 years of international
experience as a senior marketing
executive for leading brands such as Red
Bull and Coca-Cola Company and as a
management consultant, working for
clients such as UBS, Lloyds, CLS, CS and
Generali. His mission: Energizing people,
brands and businesses around the globe.
JANE HOVEY
Senior Creative Strategist | London
Jane is Head of Creative Strategy,
specializing in solving business problems
through creativity. Her role focuses on
robust methodologies and frameworks
which ensure we turn business strategy
into creative reality with the customer at
the centre. Her belief: “context is the
greatest marketing challenge of the 21st
century”.
DAVID TRAN
Senior Engagement Manager | London
David is a Senior Engagement Manager at
Vivaldi’s London office, where he has
brought a combination of marketing
strategy and consumer empathy to his
client work over the last ten years. He
leads multiple facets of Vivaldi’s key
offerings, including brand positioning and
Demand-First Innovation and Growth™
strategy. He has lead projects with
VocaLink, CLS, and Credit Suisse.
STEPHEN FIRTH
Partner | London
Stephen is the co-founder and Managing
Director of Gravity Thinking in London,
now part of the Vivaldi family.
Specialising in digital marketing and
communications, Stephen established
an award-winning creative agency
working with some of the world’s leading
brands including Royal Bank of Scotland,
Allianz and Vitality.
Your experienced
team & project
leaders
About Vivaldi

32. Want to know more about how we
can help you build most value in
the financial services industry?
Roland Bernhard
Senior Partner
T +41 43 268 11 61
M +41 79 819 59 08
Vivaldi London
Emerson Building
4-8 Emerson Street
London SE1 9DU
rbernhard@vivaldigroup.com
David Tran
Senior Engagement Manager
T +44 203 141 7700
M +44 7502 172 206
dtran@vivaldigroup.com
Thank You