Identifying digital investing services using design thinking methodology Incumbent financial institutions are continuously challenged by small fintech startups and big technology enterprises in finding ways to offer new, customer centric, and most importantly digital services. This paper is focusing on the investing services. The presented research is using Design Thinking methodology to identify challenges of investing activities and finding digital ways to answer these challenges. Our target customer group were those, who are not investing right now, as we wanted to identify what are their barriers of entering the investment market. The research sample focuses on educated, young generations. Although the financial background of the sample provides a good opportunity of investments, alternate use of savings is more widespread, and the general behavior of the analyzed generation requires liquid assets. The qualitative answers highlight the necessity of knowledge, trust and external expertise for investing decisions. The research generated four main possible products for the noninvesting segment in order to gain their trust, educate them or to offer them an opportunity that does not need huge amount of money in investment.

Protecting Privacy in Digital Era on Cloud Architecture for Banking and Financial Services Industry With an intention to provide easy to use and convenience to customers, Banking and Financial Services Corporations have enabled key services over handheld and wearable digital devices. With use of these devices on everyday basis for several other purpose along with financial transaction, customers are leaving digital foot prints. This digital data can be collected, stored, analysed and used to learn consumer behaviour, location, taste u0026 preferences and monetary spending habits. Based on historical information collected from several areas (social media, transaction analytics, cloud services utilized) and developing suggestions for customer for better choices available in everyday life is where Banking and Financial Services Corporations are competing and willing to provide personalized experience. The use of data to make prediction is through consent from customer, however, not all customer would like their data being collected or used or both. The user or customer consent form over digital application comes with a xe2x80x9ctake it or leave itxe2x80x9d approach. This is where the customer needs and their privacy related aspects are concerned and compromised. In this paper, we have identified the way digitization is breaching customer privacy, changes required over digital platform and data collection frequency to preserve customeru0027s (an individualu0027s) right of being let alone. This paper covers the methods to collect private data, methods to use private data for marketing of goods u0026 services, harm to an individual due these unauthorized promotional activities and solution to protect an individualu0027s privacy.