DBS SINGAPORE – Banking for the Elders

DBS SINGAPORE – Banking for the Elders case study is a great example of how a bank
can use technology and innovation to make banking more accessible and inclusive for
all, including the elderly.

DBS is one of the largest banks in Singapore, and it serves a large customer base of
seniors. The bank recognized that many elderly people were struggling to keep up with
the rapid pace of digitization in the banking industry. As a result, DBS launched a
number of initiatives to make banking easier and more convenient for seniors.

One of the most notable initiatives is the DBS Smart Senior Package. This package
includes a number of features that are specifically designed for seniors, such as:

● A simplified debit card with larger fonts and raised numbers

● A specially designed ATM card sleeve that makes it easier to insert and remove
the card
● A free DBS digibank app that is tailored to the needs of seniors, with larger fonts
and simpler menus
● A dedicated customer service hotline for seniors

DBS also launched a number of other initiatives to help seniors learn about and use
digital banking services. For example, DBS partnered with the People's Association to
launch a series of digital literacy workshops for seniors. DBS also launched a digital
guardian angel program, where DBS employees volunteer to help seniors learn how to
use digital banking services.

The DBS Smart Senior Package and other initiatives have been well-received by seniors
in Singapore. Many seniors have reported that they feel more confident and empowered
to use digital banking services since the launch of these initiatives.

The DBS BANKING FOR THE ELDERS case study is a great example of how a bank
can use technology and innovation to make banking more accessible and inclusive for
all. It is also a reminder that the banking industry has a responsibility to serve all of its
customers, including seniors.
The KEEP THE CHANGE – Bank Of America
The KEEP THE CHANGE – Bank Of America case study is a great example of how a bank can
use a simple but innovative program to help customers save money and improve their financial
well-being.

The KEEP THE CHANGE program works by rounding up each debit card purchase to the
nearest dollar and transferring the difference into the customer's savings account. For example,
if a customer makes a purchase for $12.50, the bank would round up the purchase to $13 and
transfer $0.50 into the customer's savings account.

The KEEP THE CHANGE program was launched by Bank of America in 2005, and it has been
a huge success. Over 12 million customers have enrolled in the program, and they have saved
a total of more than $2 billion.

The KEEP THE CHANGE program is popular for a number of reasons. First, it is a very easy
way to save money. Customers don't have to think about it or take any extra steps. The bank
simply rounds up their purchases and transfers the difference into their savings account.

Second, the KEEP THE CHANGE program is very effective. Even small amounts of money can
add up over time, and the KEEP THE CHANGE program can help customers save money
without even realizing it.

Third, the KEEP THE CHANGE program is empowering. It gives customers a sense of control
over their finances and helps them build a savings cushion.

The KEEP THE CHANGE program is a win-win for both Bank of America and its customers.
The bank generates revenue from the interest on the savings accounts, and customers benefit
by saving money and improving their financial well-being.

The KEEP THE CHANGE program is a great example of how a bank can use technology and
innovation to make a positive impact on its customers' lives. It is also a reminder that banks can
play an important role in helping people achieve their financial goals.
The LITER OF LIGHT – Low Cost Power of Light
The LITER OF LIGHT – Low Cost Power of Light case study is a great example of how
a simple but innovative solution can make a big difference in the lives of people living in
poverty.

The Liter of Light is a low-cost solar light bulb that can be made from a recycled plastic
bottle, water, and bleach. The bottle is filled with water and bleach, and then sealed with
a lid. A hole is cut in the roof of the house, and the bottle is inserted into the hole. The
sunlight refracts through the water and bleach, illuminating the room below.

The Liter of Light is a very effective way to provide light to people who live in homes
without electricity. It is also a very affordable solution. A Liter of Light can be made for
less than $1 USD, and it can last for several years.

The Liter of Light project has been implemented in over 160 countries around the world,
and it has helped to bring light to millions of people. The project has also created jobs
and empowered local communities.

The LITER OF LIGHT – Low Cost Power of Light case study is a great example of how
a simple solution can make a big difference in the world. It is also a reminder that we all
have a role to play in helping others, and that even small acts of kindness can have a
big impact.

Here are some of the key benefits of the Liter of Light project:

● It provides a low-cost and sustainable source of light to people living in poverty.

● It is easy to make and install, and it requires no electricity.
● It creates jobs and empowers local communities.
● It improves the quality of life for people living in homes without electricity.
● It reduces the use of kerosene lamps, which are harmful to the environment and
human health.

The Liter of Light project is a great example of how a simple but innovative solution can
make a big difference in the world. It is a model that can be replicated in other
communities around the globe to help bring light and hope to people living in poverty.
ARAVIND EYE CARE – Affordable & Efficient

The ARAVIND EYE CARE – Affordable & Efficient case study is a great example of how
a social enterprise can use innovative business models and operational efficiency to
provide high-quality, affordable healthcare to underserved populations.

Aravind Eye Care System is a non-profit organization that provides eye care services to
people of all income levels in India. Aravind has been able to keep its costs low and its
quality high by using a number of innovative strategies, including:

● Economies of scale: Aravind performs a very high volume of eye surgeries,

which allows it to negotiate lower prices with suppliers and achieve economies of
scale.
● Assembly-line approach: Aravind uses an assembly-line approach to eye
surgery, which allows it to perform surgeries more quickly and efficiently.
● Task shifting: Aravind delegates many tasks that are typically performed by
doctors to nurses and other healthcare workers, which frees up doctors to focus
on more complex cases.
● Cross-subsidization: Aravind charges higher prices to paying patients in order to
subsidize the cost of care for poor patients.

As a result of these strategies, Aravind is able to provide high-quality eye care at a

fraction of the cost of private eye hospitals in India. For example, Aravind charges
around $50 for a cataract surgery, while the average cost of cataract surgery in India is
over $1,000.

Aravind's success has had a major impact on the fight against blindness in India.
Aravind has restored sight to over 40 million people, and it is now one of the largest eye
care providers in the world.

The ARAVIND EYE CARE – Affordable & Efficient case study is a great example of how
a social enterprise can use innovative business models and operational efficiency to
make a positive impact on society. Aravind's success has shown that it is possible to
provide high-quality, affordable healthcare to everyone, regardless of their income level.

Here are some of the key benefits of the Aravind Eye Care System:

● It provides affordable and high-quality eye care to people of all income levels.
 ● It has restored sight to millions of people, helping to reduce blindness in India.
● It uses innovative business models and operational efficiency to keep its costs
low and its quality high.
● It is a social enterprise that is committed to making a positive impact on society.

The Aravind Eye Care System is a model that can be replicated in other communities
around the world to help provide affordable and accessible healthcare to everyone.

McDonald’s Milkshake – Job to be done theory

The McDonald's milkshake case study is a great example of how the Job to be Done
(JTBD) theory can be used to improve product development and marketing.

In the early 2000s, McDonald's was trying to increase milkshake sales. They launched a
number of new milkshake flavors and promotions, but sales remained flat.

McDonald's then turned to Harvard professor Clay Christensen, who is known for his
work on JTBD theory. Christensen interviewed McDonald's milkshake customers to
learn what job they were hiring the milkshake to do.

Christensen discovered that the vast majority of McDonald's milkshake customers were
not hiring the milkshake to satisfy their hunger or thirst. Instead, they were hiring the
milkshake to give their right hand something to do during their morning commute to
work.

This finding was a revelation for McDonald's. It realized that it had been focusing on the
wrong things when developing and marketing its milkshakes. It had been focusing on
the product attributes, such as flavor and size, when it should have been focusing on
the job that the customer was hiring the milkshake to do.

McDonald's then began to develop and market its milkshakes in a way that was more
aligned with the job that customers were hiring them to do. For example, McDonald's
began to promote its milkshakes as a convenient and affordable way to start the day off
right. It also made it easier for customers to purchase milkshakes during the morning
rush hour by offering them through the drive-thru.

As a result of these changes, McDonald's milkshake sales increased significantly.

The McDonald's milkshake case study teaches us a number of important lessons about
JTBD theory:

● Customers hire products to do jobs, not to buy product attributes.

● It is important to understand the job that the customer is hiring the product to do
in order to develop and market successful products.
● Focusing on the job that the customer is hiring the product to do can lead to new
and innovative product ideas.
● JTBD theory can be used to improve the performance of existing products.

JTBD theory is a powerful tool that can be used to improve product development,
marketing, and sales. By understanding the job that the customer is hiring the product to
do, businesses can create products and services that are more likely to be successful.

Amazon Easy Model E-Commerce for Rural India

The Amazon Easy Model E-Commerce for Rural India case study is a great example of
how a large e-commerce company can use its resources and expertise to make
e-commerce more accessible and inclusive for rural populations.

Amazon Easy is a store-owner assisted shopping model that creates a network of

physical stores for users in Tier 2 and Tier 3 cities, towns, and villages in India. The
Amazon Easy model works as follows:

1. Customers visit an Amazon Easy store and place their order with the store
owner.
2. The store owner places the order on behalf of the customer on the Amazon
website.
3. Amazon delivers the order to the Amazon Easy store.
4. The customer collects their order from the Amazon Easy store.

The Amazon Easy model has a number of benefits for rural customers, including:

● Convenience: Customers can shop online without having to have a computer or

internet access.
● Affordability: Amazon Easy stores offer free shipping and cash on delivery, which
makes e-commerce more affordable for rural customers.
● Trust: Customers can trust the store owner to help them place their order and
answer any questions they have about online shopping.
The Amazon Easy model has also been beneficial for Amazon. It has helped Amazon to
expand its reach into rural India and to increase its customer base.

The Amazon Easy Model E-Commerce for Rural India case study is a great example of
how a large e-commerce company can use its resources and expertise to make
e-commerce more accessible and inclusive for rural populations. It is also a reminder
that e-commerce can be a powerful tool for economic development in rural areas.

Here are some of the key benefits of the Amazon Easy Model E-Commerce for Rural
India:

● It makes e-commerce more accessible and inclusive for rural populations.

● It offers convenience, affordability, and trust to rural customers.
● It has helped Amazon to expand its reach into rural India and to increase its
customer base.
● It can be a powerful tool for economic development in rural areas.

Gillette – Safety First

The Gillette – Safety First case study is a great example of how a company can use
product innovation and marketing to create a new market and achieve market
dominance.

In the early 1900s, shaving was a dangerous and time-consuming process. Men used
straight razors, which were sharp and required skill to use safely. Many men cut
themselves while shaving, and some even died from infections caused by shaving cuts.

In 1901, King C. Gillette invented the safety razor. The safety razor had a disposable
blade that was much safer to use than a straight razor. Gillette also launched a
marketing campaign that promoted the safety razor as a way for men to shave more
quickly and safely.

The Gillette safety razor was a huge success. It quickly became the standard razor for
men around the world. Gillette became the market leader in the shaving industry, and it
has remained the market leader ever since.
The Gillette – Safety First case study teaches us a number of important lessons about
product innovation and marketing:

● Product innovation can be a powerful way to create new markets and achieve
market dominance.
● It is important to develop products that meet the real needs of customers.
● Marketing plays a vital role in launching new products and educating customers
about the benefits of those products.

The Gillette safety razor is a classic example of a product innovation that created a new
market and achieved market dominance. Gillette's success shows us that it is possible
to achieve great things by focusing on product innovation and marketing.

Here are some of the key benefits of the Gillette safety razor:

● It was safer and more convenient to use than a straight razor.

● It was affordable and accessible to a wide range of consumers.
● It was backed by a strong marketing campaign that educated consumers about
the benefits of the product.

The Gillette safety razor revolutionized the shaving industry and made shaving safer
and more convenient for men around the world. It is a classic example of a successful
product innovation.

CareerBuddy
The CareerBuddy case study is a great example of a company that is using technology
to make career coaching more accessible and affordable.

CareerBuddy is a platform that connects job seekers with career coaches. Job seekers
can book one-on-one sessions with coaches to discuss their career goals, develop their
resumes, and practice their interviewing skills.

CareerBuddy offers a variety of services, including:

 ● Resume and cover letter writing: Career coaches can help job seekers write
resumes and cover letters that are tailored to their specific career goals and
target employers.
● Interviewing practice: Career coaches can help job seekers practice their
interviewing skills and answer common interview questions.
● Career counseling: Career coaches can help job seekers identify their career
goals, develop a career plan, and network with potential employers.

CareerBuddy is particularly beneficial for job seekers who do not have access to
traditional career counseling services. For example, job seekers who live in rural areas
or who are unemployed may have difficulty finding career counselors or affording their
services. CareerBuddy provides a convenient and affordable way for these job seekers
to receive career coaching.

The CareerBuddy case study teaches us a number of important lessons about the use
of technology to make career coaching more accessible and affordable:

● Technology can be used to connect job seekers with career coaches from all
over the world.
● Technology can make career coaching more affordable by reducing the need for
travel and office space.
● Technology can make career coaching more convenient by allowing job seekers
to book sessions and meet with coaches online.

CareerBuddy is a great example of how technology can be used to democratize access

to career coaching. By making career coaching more accessible and affordable,
CareerBuddy is helping job seekers to achieve their career goals.

Here are some of the key benefits of CareerBuddy:

● It provides job seekers with access to career coaches from all over the world.
● It makes career coaching more affordable by reducing the need for travel and
office space.
● It makes career coaching more convenient by allowing job seekers to book
sessions and meet with coaches online.
● It is a great example of how technology can be used to democratize access to
career coaching.
MeYou Health Story
The MeYou Health Story case study is a great example of how a company is using
technology to improve people's health and well-being.

MeYou Health is a digital health company that provides personalized health coaching
and support to its members. MeYou Health uses a variety of data sources, including
wearable devices, medical records, and self-assessments, to create a personalized
health plan for each member. Members then work with their MeYou Health coach to
implement their plan and achieve their health goals.

MeYou Health has helped its members achieve a variety of health outcomes, including
weight loss, blood pressure reduction, and improved cholesterol levels. MeYou Health
has also helped its members to manage chronic health conditions, such as diabetes
and heart disease.

The MeYou Health Story case study teaches us a number of important lessons about
the use of technology to improve people's health and well-being:

● Technology can be used to collect and analyze large amounts of data about
people's health.
● This data can be used to create personalized health plans for individuals.
● Technology can be used to provide people with support and accountability as
they work to achieve their health goals.

MeYou Health is a great example of how technology can be used to make a positive
impact on people's health and well-being. By providing personalized health coaching
and support, MeYou Health is helping people to achieve their health goals and live
healthier lives.

Here are some of the key benefits of MeYou Health:

● It provides personalized health coaching and support to its members.

● It uses a variety of data sources to create a personalized health plan for each
member.
● It has helped its members achieve a variety of health outcomes, including weight
loss, blood pressure reduction, and improved cholesterol levels.
● It has also helped its members to manage chronic health conditions, such as
diabetes and heart disease.
MeYou Health is a model that can be replicated in other communities around the world
to help people achieve their health goals and live healthier lives.

IBM Learning Launch

The IBM Learning Launch case study is a great example of how a company can use
technology to improve the learning experience for its employees.

IBM Learning Launch is a platform that provides IBM employees with access to a wide
variety of learning resources, including online courses, videos, and articles. Learning
Launch also provides employees with the ability to create and share their own learning
content.

IBM Learning Launch has been beneficial for IBM employees in a number of ways:

● Convenience: Employees can access learning resources from anywhere, at any

time.
● Personalization: Employees can choose the learning resources that are most
relevant to their interests and needs.
● Social learning: Employees can collaborate with each other and share learning
resources on Learning Launch.

IBM Learning Launch has also been beneficial for IBM as a company. Learning Launch
has helped IBM to improve employee productivity and engagement. It has also helped
IBM to attract and retain top talent.

The IBM Learning Launch case study teaches us a number of important lessons about
the use of technology to improve the learning experience:

● Technology can be used to provide employees with access to a wide variety of

learning resources.
● Technology can be used to personalize the learning experience for each
employee.
● Technology can be used to facilitate social learning among employees.

IBM Learning Launch is a great example of how technology can be used to create a
more effective and engaging learning experience for employees.
Here are some of the key benefits of IBM Learning Launch:

● It provides employees with access to a wide variety of learning resources from

anywhere, at any time.
● It allows employees to choose the learning resources that are most relevant to
their interests and needs.
● It facilitates social learning among employees.
● It has helped IBM to improve employee productivity and engagement.
● It has also helped IBM to attract and retain top talent.

IBM Learning Launch is a model that can be replicated in other companies of all sizes to
help employees learn and grow.

CANVAS by Intellect Design Arena Ltd.

CANVAS is a low-code platform developed by Intellect Design Arena Ltd. It allows users
to create and deploy applications without having to write code. CANVAS is used by a
variety of companies, including banks, insurance companies, and telecommunications
companies.

Here are some of the benefits of using CANVAS:

● Speed and agility: CANVAS allows users to develop and deploy applications
much faster than traditional coding methods. This can help companies to
respond to changing market conditions and customer needs more quickly.
● Reduced costs: CANVAS can help companies to reduce the costs of developing
and maintaining applications. This is because CANVAS eliminates the need to
hire and retain expensive coders.
● Improved quality: CANVAS can help companies to improve the quality of their
applications. This is because CANVAS provides a number of features that help to
prevent errors and ensure that applications are compliant with regulations.
● Increased user satisfaction: CANVAS can help companies to improve user
satisfaction by allowing them to develop applications that are tailored to the
specific needs of their users.

Here are some examples of how CANVAS is being used by companies:

 ● DBS Bank: DBS Bank is using CANVAS to develop new banking products and
services more quickly and efficiently.
● AXA Insurance: AXA Insurance is using CANVAS to develop new insurance
products and services that are tailored to the specific needs of its customers.
● Vodafone: Vodafone is using CANVAS to develop new mobile applications and
services for its customers.

The CANVAS case study is a great example of how low-code platforms can be used to
improve the speed, agility, cost-effectiveness, quality, and user satisfaction of
application development.

Here are some of the key benefits of CANVAS:

● It allows users to develop and deploy applications much faster than traditional
coding methods.
● It can help companies to reduce the costs of developing and maintaining
applications.
● It can help companies to improve the quality of their applications.
● It can help companies to improve user satisfaction by allowing them to develop
applications that are tailored to the specific needs of their users.

CANVAS is a powerful tool that can be used by companies of all sizes to improve their
application development process.