A native combination of touch, video, and other personal multitasking features will extend the might of handy tablet devices. Augmenting the capabilities of smart phones, readers and laptops, tablets will open a new dimension: The psychology of shared touch and audiovisual interactions.

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We find that both businesses and consumers value the immediate access to creative and unique content. Live information, such as mobile location and real-time analytics, will provide dynamic insights on customer behaviors, enable a swifter online business flow, and optimize marketing.

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Strong consumer adoption of selected mobile apps must lead to sustainable business models. As pervasive mobile interactions will measure up to the trillions, every cent will count. Social media and crowd-sourcing will reaffirm the role of mobile devices for personal participation and control.

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The customer experience is shifting towards multimedia interactions. We believe that similar to silent movies, plain text has lost its steam. Massive channels, e.g. a few billions of mobile devices, will open new markets and customer touchpoints. Customers will be most engaged when interacting with live content that enables online participation and collaborative creativity.

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Beyond promoting their brands, firms must generate revenue from social media and curb down billions of US dollars in online fraud. Navigating complex flows will require visual tools that link fuzzy online interactions to financial results.

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An interconnected world faces more financial uncertainty and volatility. Retailers, media, and service providers will keep pitching commoditized financial offerings. Brands, relationships, delivery, risk management, and innovation are five core banking competencies that will reshape the competitive landscape and widen the gap between leaders and laggards.

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IBM announced its big move to "Big Data." Financial firms should tap advanced analytics and parallel processing to surface innovative opportunities. Soaking up the flood of information, and synthesizing more holistic and timely insights will open new fields of business growth.

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Watson, a new powerful computer from IBM research has beaten renowned champions in the TV trivia game of “Jeopardy!”. A future challenge will be to glean domain knowledge from unstructured information and find precise answers to complex issues with the confidence of industry experts.

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"GoogleHaven": A social web in Connecticut. New Haven wants to pilot Google Fiber for Communities, a cutting edge and multifaceted trial of a much faster Internet that will unleash innovative Web 3.0 multimedia services. Better and faster rich media interactionsbetween community organizations, small businesses, and residents will weave a new breed of virtual neighborhoods.

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Independent Corporate Directors will play a decisive role in promoting necessary adjustments in the ways and means of public corporations. Global economic recovery cannot wait. Boards of Directors have the power and must call their companies to order.

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In their testimony to the U.S. Financial Crisis Inquiry Commission, various executives from Citigroup described how flawed risk assessments involving over USD 40 billion in complex securities triggered a global crisis. How could such a large pool of complex financial assets bear virtually "no risk"? Why should Boards and regulators bother?

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Firms must heed the holistic dimension of risk proactively and protect critical people, information, technology, and business resources. Resilience will bear fruit in mitigating disruptions. It will also help firms reap the positive side of risk: Opportunity.

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Key actions financial firms can take in the wake of new legislation. While consumers get to understand the limitations and unintended consequences of being “protected”, financial firms must seize the opportunity to improve risk management and price competitively.

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Who will benefit from integrated risk management? A new version of OpenPages – an integrated risk management suite – which IBM acquired last October dovetails with business intelligence software. The following analysis illustrates key benefits and opportunities to include business value, process, and data.

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Will firms act upon the risks of pervasive changes in client transaction preferences? How should banks tap Social Media and combine client and risk analytics to improve performance? Optimizing risk management, client focus, capital, and cost will be the top priorities.

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How shall the banking system revitalize lending? What steps shall banks and regulators take to reverse the tightness of credit markets? Effective stimulus will need more substance than merely keeping interest rates low, while tolerating high fees and yelling at the bankers…

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How will financial firms survive upcoming market upheavals? Riding on the short memories of major financial scandals, a risk factor seems to keep running amok: Character. Savvy relationship management has been a core competency, so character must play a distinctive role in the credit process and business reviews by Boards of Directors.

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Besides improving the regulatory framework, the financial sector should understand the perils of undeterred complexity risk. Moral principles, economic purposes and professional ethics should inspire more pragmatic accountability and transformative actions.

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Would the audit, financial, operating and risk functions provide comprehensive, relevant and timely data to support top-level decisions? Would the information for executive decision-making become clear, credible and actionable? Find out the answers...

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When economies move down unexpectedly, governments are keen to lift up ailing financial institutions that are deemed "too big to nail down." If governments will always come to their rescue, why should companies refrain from taking excessive financial risks?

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