Tag Archives: Innovation

How Artificial Intelligence is impacting Frictionless Payments

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As technology continues to evolve it’s an exceptional time to be part of the payments industry where areas of artificial intelligence are continuing to make digital payments and money movement faster and easier for businesses and consumers.

Artificial intelligence is helping to deliver personalized banking experiences in a number of ways.

Machine vision is storing facial recognition data to enable payments go through today. Biometrics is a business a usual method to access or initiate payments through the smartphone. Voice activated payments through AI powered virtual assistants is another innovative area that will help continue to support the growth of digital commerce.

AI continues to help uncover fraud, AML and support Risk in money movement. Machine learning is helping payment and financial institutions with KYC (know your customer) by enabling a 360 view of the customer though data from a variety of sources both online and offline. The beauty of leveraging AI technologies such as machine learning is that the programs learn from use cases over time so your programs will “ get smarter”.

Who cannot be excited about continuous improvement …..:0

True Product Management

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Lately I have been researching the definition of a product manager and believe me there is a wide spectrum out there….

What I am really excited about is that my own internal definition of true product management aligns with the thinking of the best and strongest known companies out in the market today ( i.e HP, Oracle, Google)

They follow Lean Agile principles- delivering products that inspire and bring value

You evaluate the risks up front

Products are built collaboratively not sequentially

It’s about creating solutions NOT implementing features

I am super excited that my product point of view is aligned with the industry leaders -helps me to understand people who miss the mark

Electricity and Payments – there is a synergy

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As I continue my journey in the payments ecosystem I realize that the “pay by card” norm continues to fade as consumers and businesses are transacting by using their phones, watches, cars, accounts.

Money movement from either a tangible device or intangible origination point (such as an account) reminds me of electricity. We need electricity in modern society (just like we need payments) but we don’t see the current moving from the origination point to the lamp, router,device. We have transformed how we use electricity through cars, etc. just as payments continues to evolve.

I would say that the USA is behind as far as usage for the payment method (cards are still the norm for the mass market) but disruption is occurring in small pockets and broader adoption is inevitable.

The synergy between electricity and payments will continue as innovators continue to challenge the norms, invent more frictionless experiences and deliver the end output that we all depend on.

So the next time you turn on a light think payments and how the future is bright for both industries:0

Artificial Intelligence will Transform Business

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We are just starting to embrace the new frontier as Artificial Intelligence has gained momentum in so many different verticals. Its incredible the applications that are starting to be shared – machine learning models in sports, financial services, entertainment, the health industry . Natural Language Processing in Customer service and Social Media; Robotics in Manufacturing. Now is the time to embark on the AI journey to change the way your company does business. Computing is faster than ever, Algorithmns are more sophisticated and the Depth of Data seems endless. This is an exciting time as Technology is being Integrated into just about every industry that affects a consumer’s life- Financial Services, Automobiles, Retail, Healthcare etc…

Donna Bailey is the Innovative Leader you want to include on your Strategy or Product Marketing team to embark on the new milestone of Fin Tech, Auto Tech etc. I AM ALWAYS FORWARD THINKING – Strategic in my approach, Results oriented, Collaborative and Customer Focused. Passionate about data – Machine Learning and Artificial Intelligence are reasons to roll my sleeves up and look at the value these data sets bring to the business. I am ready for a new chapter in my career ! Are you looking to drive revenue and profitability for your product or division?

Donna Bailey should be leading that initiative as part of your organization . I have fundamentally grown the profitability for American Express, Symantec,Visa and Wells Fargo . I have delivered sales, new revenue and customer engagement for millions of consumers. Customers are the Lifeblood of Business (new and existing) . Seamless Customer Experience on the most Relevant Device is the only way to continue to grow Strategy and Customer Insight. Data and Analytics are key ingredients;Channel performance and optimization are critical. Creativity and Timing (Brand Positioning , Relevant message, Right time) helps to insure performance. I am a PASSIONATE Leader who DELIVERS.

Professional Summary

Innovator with expertise in Delivering Result Driven Customer Programs that drive incremental revenue. Strategically Changed the Business for American Express, Symantec,Visa and Wells Fargo through Effective Marketing Strategies. Managed multimillion-dollar global product and service launches through strategic planning and effective collaboration. Effective Leader of Product Marketing teams in Fortune 50 and Fortune 500 companies. Built a multi million-dollar program for American Express called Membership Rewards Online Specials . Launch Mobile Offers Program on behalf of Visa before rest of the Offer industry. Brought Wells Fargo Credit Customers into Mobile marketing . Ecommerce/Mobile Marketing Leader Payment Expert changed the Landscape Product/Program Marketing Management Acquisition/Retention Marketing Strategic Planning and Analysis Customer Segmentation and Target Marketing Direct Marketing and Merchandising Channel Management and Optimization Research and Customer Experience Campaign Implementation