Digital Transformation - How Industries Will Change
summary
Retail wholesaler shifts from product push to service and community building, running an accelerator with Techstars and launching digital delivery that now does €3 billion turnover in delivery, plus pilots for inventory and ordering tools. Bank closes 50% of branches and says it can run a large bank with half the staff (HVB 18,000 → ~9,000), invests in fintechs and big data, and notes fintech funding ≈ $1 billion per month (US) vs €80 million in Germany as the competitive gap. Media retail pivots to EDLP plus in-home service and a separate accelerator.
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