Dear reader, The latest revision of the forecasts handled by the International Monetary Fund for Spain throws up few surprises in terms of the direction and meaning of the crisis. According to the IMF, Spain’s gross domestic product will contract this year by 1.5%. This forecast is worse tha...

Dear reader, The total annual volume of non-life and life insurance policies sold through digital channels in Europe was €12 billion in 2012, expected to double in 2016. It is estimated that policies sold through this channel will represent an average 18% of the total volume of new premiums from E...

Introduction Price management is one of the most powerful tools that financial institutions can use to increase the profitability of their business. The correct implementation of a price strategy differentiated by customer segments can generate margin growth of between 10% and 30%. However, obtaini...

In recent years, banking entities have made an effort to build a commercial organization equipped with a powerful marketing campaign factory with a clear customer orientation. For this reason, in this issue of our traditional newsletter Wake up!, we wanted to focus our attention on optimizing the m...

More than 27,000 attendees, professionals from 80 countries and 500 providers of technological solutions applied to retail, met one more year at the Jacob Javits Convention Center in  New York from January 13 to 16 for  the celebration of the 102nd edition of the Retail’s Big Show. Four da...

Dear reader, The behavior of the economy in general, and of insurance in particular, in the year that has just started looks very similar to what has been observed in 2012, according to the speakers at the “Insurance and Economy Outlook for 2013 Conference ” that organized ICEA. However, the ex...

1. Introduction During the last 7 years, financial entities have multiplied by 10 the number of campaigns executed per year. The specialization by segments, the new channels and the competitive pressure are multiplying factors that explain this growth. Campaign budgets have also grown and campaign...

The economic pressure experienced in recent years has caused consumers to focus on saving and change their habits to pay less money for their shopping basket: change brands, compare prices, look for promotions and change where they buy. The leaders As a consequence, food distribution has undergone a...

Dear reader, The Big Data concept, so fashionable these days, refers to the management of large amounts of digitally stored information. This very generic definition shared by all, diverges when we begin to talk about what Big Data is or is not and what are the most frequent applications of this te...

Introduction Taking advantage of the opportunities presented by Big Data is among the objectives of directors of Technology, Marketing, Sales and even some CEOs. Some analysts estimate the  impact of Big Data between +25-50% of additional growth  in companies and between 15-20% in the GDP of co...