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“By 2020, customer experiencewill overtake price and productas the key brand differentiators.”

http://www2.deloitte.com/us/en/pages/technology-media-and-telecommunications/topics/the-internet-of-things.html

More carefree spending, less customer loyalty and long-term plans

Expectations of maximum availability, effortlessness and incorporation in everyday technology

Want to try and learn things on their own and to be included in the process

Demand for price/ service differentiation and individual tailor-made solutions

Let’s take on thechallenge!

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Meet Clinq!

“It’s like a David and Goliath set up, and the big banks are Goliath — they been there for centuries, and then there’s the David, smarter, nimbler with better tech”

~Joe Cross, US Manager of TransferWise

“~ a radical change in an industry, business strategy, etc., especially involving the introduction of a new product or service that creates a new market.”

Disruption:[dis-ruhp-shuh n]

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…If you can’t beatthem, join them