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Kamis, 24 November 2016

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Here at BI Intelligence, Business Insider's premium research service, our goal is to provide:

- Unbiased insight and analysis

- Forward-looking views of changing trends and impending disruption

- Advanced curation of key topics to help you make smarter decisions

As part of this mission, we spend thousands of hours researching and identifying the core issues you need to know within your key areas of interest. After identifying the core issues, we then exhaustively refine all of the available research into jargon-free straightforward reports. In the past year we've produced over 50 comprehensive reports based on six areas: Mobile Apps and Platforms, Digital Media, E-Commerce, Payments, Fintech and the Internet of Things.

Here are some of our most popular reports to date:

Interested in the future of Financial Technology?

Fintech Ecosystem Report

Fintechs are attracting more investment, pushing into new markets, and forcing the world's largest banks, insurers, and money managers to adapt — or else.

The segments of fintech attracting media and investor attention are changing, but there is no doubt that the industry continues to boom. At the same time, incumbents are struggling with out-of-date business models and systems that urgently need replacing, which is magnifying the opportunities for fintechs.

In this report, BI Intelligence assesses the state of the global fintech industry, highlights the drivers of its growth, outlines the areas of fintech that are coming to the fore, and explains the different models that are emerging as the relationship between fintechs and incumbent financial services firms evolves. Access This Report and Enter Promo Code REPORT100 »

The Insurtech Report

The global insurance industry is worth nearly $5 trillion, and insurance companies are at risk of losing a share of this valuable market to new entrants. That's because these legacy players have been even slower to modernize than their counterparts in other financial services industries.

This has created an opportunity for a group of firms known as insurtechs. These startups are leveraging new technology and a better understanding of consumer expectations to increase efficiencies in the insurance industry. Some are helping incumbents deliver better end products, while others are directly competing with legacy players.

In this report from BI Intelligence, we look at the drivers behind the increasing number of insurtech companies, how they are helping or disrupting legacy players in the insurance industry, and where legacy players are innovating off their own backs. Access This Report and Enter Promo Code REPORT100 »

Ahead of the Curve: The Digital Disruption of Retail Banking

Digital banking channels make it easier and more convenient for consumers to connect to banks. At the same time, third parties are increasingly providing the services that consumers are using to manage their finances. While these intermediaries aren't cutting out banks completely, they are encroaching on the valuable relationship between banks and their customers.

At the forefront of digital disruption are millennials. These 83 million digital natives are fast becoming the most important demographic for banks. They already make up the largest share of both the US population and the employed population, at 26% and 34%, respectively. The behaviors and preferences of this generation will shape the future of the bank as well as the relationship between the bank and the customer. Insight into how this landscape is changing is crucial. In our Digital Banking Survey, we look at this key generation, which is at the crest of retail banking disruption.

In this report, we provide actionable insights financial institutions can use to stay ahead of the curve as well as a detailed view into the data behind the survey segmented out by region, gender, age, and more. Access This Report and Enter Promo Code REPORT100 »

The Digital Remittance Report

Every year, migrants send hundreds of billions of dollars worth of remittances back to friends and family in their home country. And there's a massive industry that facilitates these payments—and has for more than a century.

The legacy remittance industry has been long dominated by cash, which requires physical locations where customers can hand over or pick up money. Building out those retail networks is a huge investment. It's left just a few players, called Money Transfer Operators (MTOs), controlling a bulk of the industry.

But these companies' comfortable hold on the industry is now being challenged by digital remittance startups. Digital-first remittance companies are competing on fees and usability, and capitalizing on the way people's expectations have changed with the advent of digital and mobile channels.

In this report, we size the total remittance market, company-specific market share, digital's market share, and digital's growth at major remittance firms. We also assess how disruptive digital startups have been by comparing their fees with market leaders, and by juxtaposing their business models with those of legacy companies. Access This Report and Enter Promo Code REPORT100 »

Peer to Peer Lending Explainer

Banks have historically handled most consumer and small business lending because they have the resources to assess a borrower's creditworthiness, and the regulatory approval to fund loans. However, this model has some key inefficiencies — interest rates are not individualized, the costs of underwriting loans are high, loan decisions can take months, and small businesses in particular have been shut out of the process.

This has left room for the growth of online lending marketplaces — dubbed peer-to-peer (P2P) lenders — that leverage the internet to give both borrowers and investors a better deal.

P2P lenders solve the banking model's inefficiencies by developing online marketplaces that use complex algorithms to match borrowers with investors according to each party's specifications. Access This Report and Enter Promo Code REPORT100 »

The Payments Ecosystem Report

Understanding this complex and rapidly evolving space can be challenging.

In this explainer, we offer a high-level look at the payments industry — how it functions, who the key players are, and the trends shaping the industry. We start by explaining payment-card processing, since the majority of consumer payments and transaction volume flow through this system. From there we take a look at how consumers' move to mobile devices is changing the way we pay, and which players stand to benefit. Access This Report and Enter Promo Code REPORT100 »

The Mobile Payments Report

The global insurance industry is worth nearly $5 trillion, and insurance companies are at risk of losing a share of this valuable market to new entrants. That's because these legacy players have been even slower to modernize than their counterparts in other financial services industries.

This has created an opportunity for a group of firms known as insurtechs. These startups are leveraging new technology and a better understanding of consumer expectations to increase efficiencies in the insurance industry. Some are helping incumbents deliver better end products, while others are directly competing with legacy players.

In this report from BI Intelligence, we look at the drivers behind the increasing number of insurtech companies, how they are helping or disrupting legacy players in the insurance industry, and where legacy players are innovating off their own backs. Access This Report and Enter Promo Code REPORT100 »

Interested in Mobile trends?

The Chatbots Explainer

Advancements in artificial intelligence, coupled with the proliferation of messaging apps, are fueling the development of chatbots — software programs that use messaging as the interface through which to carry out any number of tasks, from scheduling a meeting, to reporting weather, to helping users buy a pair of shoes.

Foreseeing immense potential, businesses are starting to invest heavily in the burgeoning bot economy. A number of brands and publishers have already deployed bots on messaging and collaboration channels, including HP, 1-800-Flowers, and CNN. While the bot revolution is still in the early phase, many believe 2016 will be the year these conversational interactions take off.

In this report from BI Intelligence, we explore the growing and disruptive bot landscape by investigating what bots are, how businesses are leveraging them, and where they will have the biggest impact. We outline the burgeoning bot ecosystem by segment, look at companies that offer bot-enabling technology, distribution channels, and some of the key third-party bots already on offer. The report also forecasts the potential annual savings that businesses could realize if chatbots replace some of their customer service and sales reps. Finally, we compare the potential of chatbot monetization on a platform like Facebook Messenger against the iOS App Store and Google Play store.Access This Report and Enter Promo Code REPORT100 »

The Virtual Reality Content Report

Virtual reality (VR) headsets are finally hitting the mass market, offering a revolutionary and immersive platform for content developers to reach consumers.

The tech industry has promoted the prospect of VR — a computer-generated simulation of an environment — for the past few decades. But only now, with headsets backed by big names like Sony and Facebook, is VR finally becoming a concrete product with mass market potential.While VR technology is largely associated with the gaming industry, the platform offers a new set of content opportunities in entertainment, advertising, and more.

In this report, we examine how various VR headset categories will shape VR content development and look at the trajectory for mobile gaming revenues to get a sense of how spending on VR content might develop. The report also lays out what types of content users and developers can expect on VR platforms, including gaming, video entertainment, and advertising. Access This Report and Enter Promo Code REPORT100 »

The Messaging App Report

Users around the world are logging in to messaging apps to not only chat with friends but also to connect with brands, browse merchandise, and watch content. What were once simple services for exchanging messages, pictures, videos, and GIFs have evolved into expansive ecosystems with their own developers, apps, and APIs.

Chat apps boast a number of distinct characteristics that make their audiences particularly appealing to businesses and marketers, including their size, retention and usage rates, and user demographics. The combined user base of the top four chat apps is larger than the combined user base of the top four social networks. Chat apps also have higher retention and usage rates than most mobile apps. Finally, the majority of their users are young, an extremely important demographic for brands, advertisers and publishers.

In this report, we take a close look at the size of the messaging app market, how these apps are changing, and the types of opportunities for monetization that have emerged from the growing audience that uses messaging services daily. Access This Report and Enter Promo Code REPORT100 »

The Virtual Reality Hardware Report

There has been a lot of buzz recently around virtual reality (VR) and its potential is a new hardware device and software platform. The technology, which immerses the user in a computer-generated simulation of an environment, projects highly visual imagery in full 3D.

While the technology has been associated mostly with gaming, the platform offers new opportunities for video, e-commerce, and more.

In this report, we provide proprietary forecasts for VR headset shipments and revenue and estimate average selling price over the next five years. We also take a look at the different types of VR headset technology now on the market, discuss which categories will win out, and look at several use cases for VR headsets, including gaming and other. Access This Report and Enter Promo Code REPORT100 »

The Smartwatch Report

When they first broke onto the scene, smartwatches were touted as the next generation of devices set to transform consumers' lives. And brands, service providers, and the healthcare segment were ready to capitalize on their "always on" nature, which promised to provide greater insight into consumer habits. But while the market initially grew rapidly, it has begun to cool off, as consumers become impatient with the technology's lack of distinct capabilities, such as LTE connectivity and device-specific apps.

In the next few years, the smartwatch market will likely see the addition of new functionality and increased capabilities, which will see the device shipments grow at an annualized rate of 18% through 2021 to reach 70 million units.

However, smartwatches are reliant on a number of factors in order to generate any sort of meaningful consumer demand. Until such a time, adoption of smartwatches will likely be sluggish, as consumers wait for vendors to produce products that can run independently from their phones and provide more useful functions. So what does this mean for the device championed as the replacement for the smartphone? Should vendors manage to implement a lower price point, better functionality, and expanded use cases, there is a vast potential for accelerated global growth. Moreover, because of the low adoption rate thus far, there is still ample opportunity for new entrants to join the market, and capture mind share.

In a report from BI Intelligence, we examine all areas of the smartwatch market, including a five-year forecast, key growth trends, market leaders, consumer demand, and more. We also discuss the need for the inclusion of standalone capabilities in smartwatches, the importance of bringing both better apps to the devices and greater consumer awareness of capabilities. Lastly, we will explore the nascent smartwatch app market, including its shortcomings and how it can be improved. Access This Report and Enter Promo Code REPORT100 »

The App-Store Marketing Report

The total number of apps people are using hasn't changed much over the past few years. This means users are consolidating their app choices, and spending more and more time with a few favorites. This creates added pressure to stand out in the app stores, and develop apps that can gain and keep a loyal audience.

In this report, we discuss why it is becoming increasingly important that developers field a competitive app-marketing strategy for triggering downloads and encouraging sustained use, and retaining users. There are a number of different tactics, both paid and free, that marketers might use. Access This Report and Enter Promo Code REPORT100 »

Interested in the future of Digital Media?

The Social Media Demographics Report

The demographics of who's on what social network are shifting — older social networks are reaching maturity, while newer social messaging apps are gaining younger users fast. The top trend over the last year has been the growth of image-focused social networks — particularly Pinterest, Instagram and Snapchat — among specific demographics.

In this report, we unpack data from over a dozen sources to understand how social media demographics and preferences are still shifting. Access This Report and Enter Promo Code REPORT100 »

The Native Advertising Report

Native ads — or ads that take on the look and feel of the content surrounding them — are taking over digital advertising.

By 2021, native display ad revenue in the US, which includes native in-feed ads on publisher properties and social platforms, will make up 74% of total US display ad revenue, up from a 56% share in 2016, according to new BI Intelligence estimates based off historical data from the Interactive Advertising Bureau (IAB) and PwC, as well as IHS. The rapid uptick in native's share of display ad revenue can largely be attributed to the dominance of social platforms like Facebook and Twitter — which were early champions of native and rely almost entirely on native formats — as well as the introduction of new programmatic technologies that are making it easier for publishers and advertisers to scale native campaigns.

In this report from BI Intelligence, we break out native ads into three categories: social native, native-style display, and sponsored content (also referred to as premium native). We provide forecasts for how revenues from these formats will grow over the next five years and look at what factors, in particular, are driving up spending on each of these ad units. As a note, because revenues from these three types of native content can overlap, we do not provide an overall native forecast. Finally we lay out some of the challenges that face properties that rely on native ads, namely ad frequency and Scalability issues. Access This Report and Enter Promo Code REPORT100 »

The Subscription Revenue Report

Many digital media companies have embraced monthly and annual subscriptions (or even daily subscriptions, in the case of Pandora). The business model allows digital media companies to provide a premium experience that offers more than the basic often ad-supported service level.

In this report, we look at how prominent players in five separate categories have tried to build a subscription-based revenue stream alongside ad-based businesses: the categories are video, music, news publishing, social networks/messaging, and dating apps. Of course, each category is different, and won't face the same challenges and opportunities in dialing up the percentage of subscribers and subscription revenue. Access This Report and Enter Promo Code REPORT100 »

Interested in disruptive E‑Commerce trends?

The Affiliate Marketing Report

Many people associate affiliate marketing with the selling of diet pills, teeth whiteners, and other controversial products. Although this darker side to performance-based marketing still exists, affiliate programs have moved to the mainstream, with major retailers and publishers now using them to drive sales of all sorts of products, from electronics to apparel.

In this report, we examine the changing face of affiliate marketing, looking at the key players. We also outline growth opportunities for affiliate marketing and how we see this industry developing. Access This Report and Enter Promo Code REPORT100 »

The Luxury E-Commerce Report

Luxury shoppers are highly coveted customers for brands and retailers. The top 10% of US household earners (those taking home $120,000 or more annually) account for approximately half of all consumer expenditures.

This demographic's growing preference for online shopping is changing the face of luxury retail, and it has significant implications for how brands target luxury consumers.

In this report, we profile the luxury shopper and take a close look at the spending habits and preferences of high-income earners — including how and where they shop. Access This Report and Enter Promo Code REPORT100 »

The Social Commerce Report

Social media may still only drive a small share of total online retail sales, but its impact is becoming impossible to ignore. Social-driven retail sales and referral traffic are rising at a faster pace than all other online channels.

The top 500 retailers earned $3.3 billion from social shopping in 2014, up 26% from 2013, according to the Internet Retailer's Social Media 500. That is well ahead of the roughly 16% growth rate for the overall e-commerce market in the US.

Now new initiatives from a number of different social networks are making these platforms absolutely essential for retailers that want to drive sales and boost engagement.

In this report, we analyze social media's role in online retail — whether that's driving direct sales with the use of embedded "Buy" buttons on social media posts, or referring traffic to retailers' websites and apps. We measure the impact social media has on e-commerce by looking at metrics such as conversion rates, average order value, and revenue generated by shares, likes, and tweets. We also outline the latest commerce efforts by leading social networks. Access This Report and Enter Promo Code REPORT100 »

The Health and Personal Care E‑Commerce Report

At $300 billion a year in sales, health and personal care is the second-largest retail category in the US behind groceries. However, like the grocery industry, e-commerce has yet to really disrupt the American drug store.

But more consumers are beginning to shop online for products that they'd typically go to a drug store to purchase. About 36 million US consumers shopped online for health and beauty products in the spring of 2014, up from 20 million consumers in spring 2010.

In this report, we look at why the health and personal care business has proved so challenging to e-commerce companies — from consumer reluctance to complicated and expensive logistics — and what new strategies e-commerce startups and big-name retailers and brands are pursuing to push more health and personal care sales online, including the increasing prevalence of recurring subscription services for these products. Access This Report and Enter Promo Code REPORT100 »

The Shopping Cart Abandonment Report

Lots of consumers click on an item they're interested in online, transfer it to their shopping cart, but in the next moment, get cold feet and close the tab, a common consumer behavior called shopping cart abandonment. It's a growing problem for e-commerce merchants, who we estimate will lose $4.6 trillion worth of merchandise to abandoned carts in 2016, up from $4.2 trillion in 2013.

Why are merchants losing even more now? Mobile is exacerbating the issue as it rises in prominence as a browsing and purchasing device, because it's easy to search for items on mobile, but entering all of the form fields at the checkout stage is still difficult. Mobile phones represented 46% of global e-commerce traffic in Q2 2016 but just 27% of purchases, according to Criteo, indicating that conversion rates are still low on mobile.

Luckily, a huge chunk of the sales within abandoned shopping carts is recoverable. We estimate $2.75 trillion of abandoned merchandise is recoverable, presenting merchants with a huge opportunity to capture additional sales. To recoup these sales, merchants in part need to examine email retargeting strategies, app development, and the prioritization of establishing repeat customers. Merchants that effectively manage their abandoned shopping carts can bolster sales growth and gain a competitive edge in the e-commerce market.

This report from BI Intelligence offers updates to our previous report on shopping cart abandonment, including new estimates, trends, and how mobile phones, and even Amazon, are driving up the issue and importance of tackling abandonment.Access This Report and Enter Promo Code REPORT100 »

Interested in preparing for the Internet of Things?

The 'Everything You Need To Know About IoT' Bundle

The best way to get up to speed on where the IoT is now and where it is going over the next 5-years. The IoT Team at BI Intelligence put this bundle together to assure you are ahead of the curve and have the IoT edge you need both personally and professionally. This bundle includes:

The Internet of Everything: Slide Deck & Dataset - The most important ways the Internet of Everything market will develop, the benefits newly connected devices will offer consumers and businesses, and the potential barriers that could inhibit growth.

The Internet of Things Report - Learn what is currently driving growth in the Internet of Things and how various sectors of the economy will embrace IoT innovations.

Access This Report and Enter Promo Code REPORT100 »

The Enterprise IoT Report

The enterprise Internet of Things will be the largest of the three main IoT sectors — enterprise, home, government — as defined by BI Intelligence, Business Insider's research service.

That's because businesses have the capital and reach to purchase IoT devices and services on a large scale. They will see benefits from the IoT accrue fast enough to spur further adoption and investment.

IoT devices range from robot-like units to tiny chips that hook into industrial or office machines allowing the user to fully control the device, or merely collect specific data from it.

In this report, we size the enterprise IoT market, noting the breakdown between hardware versus software spending, and determine which industries will upgrade to the IoT first. We examine how businesses are already using IoT systems and what barriers might still stand in the way of IoT enterprise upgrades. Access This Report and Enter Promo Code REPORT100 »

The IoT Networks Report

The Internet of Things (IoT) — a vast network of connected devices — is set to become the world's largest device market over the next decade, potentially creating trillions of dollars in economic value. However, without a reliable and secure network connection, these devices will fail to deliver that value. Device owners can choose between a number of established and emerging networking technologies to connect their IoT devices and collect data from them for analysis.

In this report, we examine these different networking technologies, their pros and cons, and how well they are positioned for future growth in the IoT market. We also outline how different networks are best suited for connecting specific types of IoT devices, including connected cars, drones, smart home devices, and wearables. Access This Report and Enter Promo Code REPORT100 »

The Drones Report

Drones turned the corner in 2015 to become a popular consumer device, while a framework for regulation that legitimizes drones in the US began to take shape. Technological and regulatory barriers still exist to further drone adoption.

Drone manufacturers and software providers are quickly developing technologies like geo-fencing and collision avoidance that will make flying drones safer. The accelerating pace of drone adoption is also pushing governments to create new regulations that balance safety and innovation. The FAA is set to release new regulations this spring could help boost adoption. Safer technology and better regulation will open up new applications for drones in the commercial sector, including drone delivery programs like Amazon's Prime Air and Google's Project Wing initiatives.

In this report, we forecast sales revenues for consumer, enterprise, and military drones. We also project the growth of drone shipments for consumers and enterprises. We detail several of world's major drone suppliers and examine trends in drone adoption among several leading industries. We examine the regulatory landscape in several markets and explain how technologies like obstacle avoidance and drone-to-drone communications will impact drone adoption. Access This Report and Enter Promo Code REPORT100 »

Insurance And The IoT Report

Insurance companies have been leveraging IoT devices to get better insight into their insured clients and differentiate their product offering. This helps lead to more accurately priced premiums, better models for future payouts, and increased customer retention.

Upon examining the market, we've identified market leaders, the benefits they are seeing and how their success can be replicated by other insurance companies. For example, Progressive has been very successful in implementing their usage-based insurance policy called Snapshot because they have marketed the product well and raised customer awareness.

In this report from BI Intelligence, we examine the ways the IoT will affect the insurance industry. We include industry forecasts, examine top trends, and identify the ways insurance companies continue to leverage the IoT. Further, we examine how insurance companies are using drones to evaluate property losses and discuss the rise of cyber insurance that is taking off due to the proliferation of IoT devices. Access This Report and Enter Promo Code REPORT100 »

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