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  • in zh
  • 1 min read

為成長中的金融科技初創公司打造平衡的治理策略

在快速變化的金融科技領域，一個以目標為導向的治理策略至關重要，因為它能在擴展的同時維護組織的使命與價值觀。這需要創建一個決策框架，包括風險管理、問責機制以及利益相關者的參與。對於以可持續性為核心的初創企業來說，構建健全的治理結構對於保護聲譽、確保遵守不斷變化的法規，以及提高運營和影響報告的透明度是至關重要的。

治理策略的目標

一個靈活且健全的治理策略能在支持公司增長的同時，與推動正面環境和社會影響的使命保持一致。其主要目標包括： 1. 指導道德決策： 將商業實踐與公司對環境和社會的正面貢獻目標對齊。 2. 確保合規性： 跟進本地和國際的可持續性及數據保護法規。 3. 支持戰略增長： 實施靈活的決策過程，以支持快速擴展、產品創新和跨境合作。 4. 提升透明度和問責制： 建立影響追踪、報告和驗證機制，準確傳遞成果。 5. 風險管理： 識別和管理在新市場擴展中的運營、聲譽和法律風險。

治理結構與委員會

有效的治理結構應包括一個具備風險投資、可持續性、技術及財務管理專長的多元化董事會。關鍵的委員會包括： - 審計與風險委員會： 聚焦於財務完整性及項目相關風險管理。 - 可持續性與道德委員會： 確保與環境、社會和治理（ESG）目標的一致性，並監督影響報告的道德性。 - 技術與創新委員會： 監督技術整合、平台完整性及安全性。

核心委員會可能包括： - 執行指導委員會： 專注於戰略與願景。 - 風險與合規委員會： 管理法規與ESG合規性。 - 影響諮詢委員會： 提供可持續性的監督。

治理的重點領域
  1. 戰略與增長： 調整治理以支持運營增長，同時保持可持續性倡議的完整性。
  2. 風險與合規： 建立健全的框架以管理項目真實性、法規合規性及影響報告相關的風險。
  3. 影響驗證： 通過獨立審查和審計來使用數據支持的影響驗證。
採用平衡的治理方法
  • 治理政策： 專注於適應主要法規（如GDPR和ESG標準）的合規驅動且可擴展的政策。
  • 道德準則： 在所有業務運營中推廣透明性、完整性與問責制。
  • 影響保證： 實施第三方驗證以驗證可持續性聲明。
  • 治理流程： 避免過多的官僚作風，並以月度戰略審查和靈活決策為基礎，抓住新機會。
  • 數據與影響報告： 確保實時透明性以建立與合作夥伴、投資者及客戶的信任。
治理方法的合理性

該治理策略在財務目標、客戶滿意度、內部流程效率和組織學習之間取得平衡。其關鍵合理性包括： - 平衡重點： 平衡計分卡方法有助於同時解決財務目標和以客戶為中心的目標。 - 風險管理： 通過專注於風險監督的治理結構來遵守法規並建立投資者信心。 - 靈活性： 設計治理以支持快速決策，同時保持必要的制衡。 - 利益相關者參與： 包括獨立的非執行董事以確保多樣化觀點，降低治理被特定股東控制的風險。 - 可擴展性： 該模型適用於初創公司，並能隨著業務擴展進行調整。 - 靈活性： 避免過度治理以免阻礙創新。 - 透明度： 通過公開、可信的溝通與投資者和客戶建立信任。

S.I.M.P.L.E. 框架：有效治理的基礎

該治理策略可用 S.I.M.P.L.E. 框架進行總結： - Sustaining（持續）： 在公司增長過程中保持透明和問責制。 - Innovative（創新）： 針對市場變化快速調整策略。 - Mindful（專注）： 在決策中始終將公司的使命和價值觀放在首位。 - Purposeful（有目標）： 對社會和環境產生有意義的影響。 - Legitimate（合法性）： 確保所有聲明和運營均以經過驗證的數據和法規合規性為基礎。 - Empowering（賦權）： 培養問責文化，並讓利益相關者參與戰略增長。

結論

一個平衡且靈活的治理策略對於致力於快速增長的金融科技初創公司至關重要，能夠確保透明性、合規性和道德實踐，而不阻礙創新。通過在監督與靈活性之間取得平衡，企業能成功應對當今商業環境的複雜性，並實現可持續增長。

  • 5 min read

Insights into China's Digital Transformation and Innovation

During my recent study trip to Hangzhou, I had the opportunity to visit several prominent Chinese companies, gaining valuable insights into their innovation practices, strategic challenges, and the rapidly evolving business landscape in China. The fourth day of the trip was particularly insightful as it provided a comprehensive understanding of how Chinese companies are navigating the digital transformation journey across various industries.

Geely Holding Group Co., Ltd.: Pioneering the Future of Mobility

Our visit to Geely Holding Group was eye-opening, showcasing how a traditional car manufacturer is transitioning into a tech-driven mobility company. Established in 1986, Geely entered the automotive industry in 1998 and has since evolved into a global player with a diversified brand portfolio, including Geely Auto, Lynk & Co, Zeekr, and Volvo Cars. Their emphasis on sustainable technologies, electric vehicles (EVs), and autonomous driving signifies a bold shift toward a future where car ownership may decline, giving way to shared mobility services.

Key Takeaways:

  • Innovation Leadership: Geely is pioneering the transition from gasoline-powered vehicles to electric, hybrid, and methanol-powered models. They are not just adapting to market trends but are setting them, particularly in autonomous driving and in-house chip development with their proprietary StarEagle chip.
  • People and Culture: The company has established universities to address talent shortages and is actively engaged in corporate social responsibility (CSR) initiatives, like the Blue Guardian Project. This reflects Geely's dedication to cultivating an ecosystem that fosters innovation and social impact.
  • Future of Mobility: A major highlight was Geely's belief that the future of car ownership will transform into car-sharing services. This shift in focus will not only change their customer base from individual consumers to service providers but will also require a different approach to product development and marketing.

My reflection on Geely's approach underscores the importance of adaptability and foresight in the automotive industry. As the market evolves, so must the strategies companies use to remain competitive and relevant.

Anheng Information Technology Co., Ltd.: Shaping the Future of Cybersecurity

Our next stop was Anheng Information Technology (DAS-Security), a leading cybersecurity firm in China. DAS provides a wide range of solutions, including cloud security, penetration testing, and AI-driven security operations. They hold a substantial market share in government cybersecurity within China, emphasizing the critical role of cybersecurity in the digital age.

Key Takeaways:

  • AI-Driven Security: DAS employs artificial intelligence to reduce alarm noise, streamline threat detection, and enable smart decision-making. Their AI-based Heng-Nao Security Large Model is particularly effective in identifying weak-feature attacks, a testament to their technological prowess.
  • Market Challenges: Despite its domestic success, DAS faces significant hurdles in expanding internationally. Regulatory compliance, market perception, and competition with established US-based cybersecurity providers are key obstacles to their global ambitions.
  • Customized Solutions: DAS's emphasis on customizing solutions based on deep client engagement, particularly for government and enterprise clients in China, highlights their customer-centric approach. This strategy is crucial in a market where security needs vary significantly across different sectors.

This visit brought to light the complexity of cybersecurity in a global context. As companies like DAS strive to expand internationally, they must navigate diverse regulatory environments and overcome market skepticism, particularly concerning data privacy and the quality of Chinese products.

New H3C Technologies Co., Ltd.: Enabling Digital Transformation

H3C Technologies impressed us with its global leadership in digital solutions and infrastructure. Originally a joint venture between Huawei and 3Com, H3C has become a key player in AI-driven solutions, digital infrastructure, and smart technologies. Their "AI in all" strategy underscores the central role artificial intelligence plays in their product offerings.

Key Takeaways:

  • AI-Driven Solutions: H3C integrates AI into various aspects of their products, from smart factory solutions that use robotics and high-resolution CCTV for live monitoring to smart classrooms equipped with AI-driven technologies. Their focus on AI-driven digital infrastructure demonstrates how AI is becoming the backbone of digital transformation.
  • Brand Awareness: A significant challenge H3C faces is building brand awareness in markets like Singapore. To expand globally without relying on third-party vendors, H3C must establish its value chain and provide direct customer support outside China.
  • People Practices: H3C fosters a highly innovative workforce, encouraging employees to adopt a "Navigator" mindset that emphasizes continuous learning, innovation, and customer-centricity. This cultural approach reinforces the company's commitment to shaping the digital future.

H3C's journey illustrates the importance of aligning technological innovation with strategic market expansion. For companies seeking to compete globally, having a clear value proposition and direct engagement with customers is vital.

Hangzhou Qulian Technology Co., Ltd.: Revolutionizing Data Management with Blockchain

Our final company visit was to Hangzhou Qulian Technology, a leading blockchain technology provider in China. Qulian specializes in developing enterprise-level blockchain platforms for industries such as finance, supply chain, and smart cities.

Key Takeaways:

  • Blockchain Solutions: Qulian's blockchain platforms enable secure, decentralized data management, improving transparency, efficiency, and trust in various digital ecosystems. Their innovative use cases in finance and supply chain management highlight the transformative potential of blockchain technology.
  • Challenges: Despite the promise of blockchain, Qulian faces challenges related to scalability, performance, and regulatory uncertainties. Overcoming industry skepticism and educating stakeholders about the benefits of blockchain are essential for widespread adoption.
  • Government Alignment: The company's close relationship with the Chinese government facilitates navigating complex regulatory landscapes. However, it also raises questions about how such an approach might translate to other regions like Singapore.

This visit reaffirmed blockchain's potential to revolutionize various industries. However, for companies like Qulian, the journey toward global adoption will require careful navigation of regulatory environments, technological challenges, and market perceptions.

Final Reflections

The study trip to Hangzhou provided an in-depth understanding of how Chinese companies are driving innovation and tackling the challenges of digital transformation. Geely, DAS-Security, H3C Technologies, and Qulian Technology each represent different facets of this transformation—from mobility and cybersecurity to digital infrastructure and blockchain.

A common thread across these companies is their emphasis on in-house technology development, strategic partnerships, and the need to adapt to changing market dynamics. These insights highlight that in a rapidly evolving business landscape, agility, technological innovation, and customer-centric strategies are key to success.

The experiences and learning points from this trip will undoubtedly influence my perspective on digital transformation and how companies can strategically position themselves in a competitive global market.

  • in zh
  • 1 min read

中國數位轉型與創新見解

在我最近前往杭州的學習之旅中，我有機會參訪多家中國知名企業，深入了解他們的創新實踐、策略挑戰以及中國快速發展的商業環境。旅程的第四天特別具有啟發性，讓我全面了解中國企業如何在各行業中推動數位轉型之旅。

吉利控股集團有限公司：引領未來移動出行

我們對吉利控股集團的參訪令人耳目一新，展示了一家傳統汽車製造商如何轉型為科技驅動的移動出行公司。吉利成立於1986年，於1998年進入汽車行業，並自此發展為擁有多元品牌組合的全球化企業，包括吉利汽車、領克、極氪和沃爾沃汽車。他們對可持續技術、電動汽車（EV）和自動駕駛的重視，表明其朝著未來發展的重大轉變，其中汽車所有權可能下降，共享出行服務將成為趨勢。

主要收穫：

  • 創新領導力：吉利在從燃油車向電動車、混合動力車和甲醇動力車型的轉型中處於領先地位。他們不僅適應市場趨勢，還在自動駕駛和內部芯片開發（如自主研發的StarEagle芯片）方面引領潮流。
  • 人才與文化：公司通過建立大學來解決人才短缺問題，並積極參與企業社會責任（CSR）活動，例如「藍色守護計畫」，彰顯吉利對培育創新和社會影響力生態系統的承諾。
  • 移動出行未來：吉利認為未來的汽車所有權將轉變為汽車共享服務。這一轉變不僅改變了其客戶群，從個人消費者轉向服務提供商，還需要採用不同的產品開發和行銷策略。

我對吉利模式的反思強調了適應能力和前瞻性在汽車行業中的重要性。隨著市場的發展，公司也必須調整策略以保持競爭力和相關性。

安恒信息技術股份有限公司：塑造網路安全的未來

接下來，我們參訪了中國領先的網路安全公司安恒信息技術（DAS-Security）。該公司提供包括雲安全、滲透測試以及AI驅動的安全運營等多種解決方案，並在中國政府網路安全市場中佔有重要份額，凸顯了網路安全在數位時代的重要性。

主要收穫：

  • AI驅動安全：DAS利用人工智慧減少警報噪音、簡化威脅檢測並實現智能決策。他們基於AI的「衡腦安全大模型」在識別弱特徵攻擊方面表現出色，彰顯其技術實力。
  • 市場挑戰：儘管在國內取得成功，DAS在國際擴展方面面臨顯著困難。合規性、市場認知以及與美國知名網路安全供應商的競爭是其全球化的主要障礙。
  • 定制化解決方案：DAS強調通過深入客戶參與來定制解決方案，尤其針對中國的政府和企業客戶，這一策略在需求差異顯著的市場中至關重要。

此參訪揭示了全球網路安全的複雜性。像DAS這樣的公司在擴展國際業務時，必須應對多樣化的法規環境並克服市場對數據隱私和中國產品質量的懷疑。

新華三技術有限公司：推動數位轉型

新華三技術展示了其在數位解決方案與基礎設施領域的全球領導地位。原為華為與3Com的合資公司，新華三已成為人工智慧解決方案、數位基礎設施和智能技術的關鍵角色。他們的「AI萬物」戰略突顯了人工智慧在其產品中的核心角色。

主要收穫：

  • AI驅動解決方案：新華三將人工智慧整合到其產品的各個方面，從使用機器人和高清閉路電視進行實時監控的智能工廠解決方案到配備AI技術的智慧課堂。他們對AI驅動數位基礎設施的專注表明人工智慧正成為數位轉型的基石。
  • 品牌意識：在新加坡等市場建立品牌知名度是一項重大挑戰。為了在全球擴展中不依賴第三方供應商，新華三必須建立自己的價值鏈，並在中國以外提供直接客戶支持。
  • 人才實踐：新華三鼓勵員工採用「導航員」心態，強調持續學習、創新和以客戶為中心。這種文化方法加強了公司對塑造數位未來的承諾。

新華三的發展歷程說明了將技術創新與市場擴展戰略對齊的重要性。對於尋求全球競爭的公司而言，擁有清晰的價值主張並與客戶直接互動至關重要。

杭州趣鏈科技有限公司：利用區塊鏈重塑數據管理

我們的最後一站是杭州趣鏈科技，一家中國領先的區塊鏈技術供應商。趣鏈專注於為金融、供應鏈和智慧城市等行業開發企業級區塊鏈平台。

主要收穫：

  • 區塊鏈解決方案：趣鏈的區塊鏈平台實現了安全、分散的數據管理，提升了各數位生態系統的透明度、效率和信任。他們在金融和供應鏈管理中的創新應用突顯了區塊鏈技術的變革潛力。
  • 挑戰：儘管區塊鏈的潛力巨大，趣鏈仍面臨與擴展性、性能以及法規不確定性相關的挑戰。克服行業的懷疑並教育利益相關者有助於區塊鏈的廣泛採用。
  • 政府合作：公司與中國政府的緊密合作有助於應對複雜的法規環境。然而，這種方式在其他地區（如新加坡）是否有效尚待觀察。

此訪問再次證實了區塊鏈在改變多個行業方面的潛力。然而，像趣鏈這樣的公司要實現全球採用，還需要謹慎應對法規環境、技術挑戰以及市場認知問題。

最後反思

杭州的學習之旅深入探討了中國企業如何推動創新並應對數位轉型的挑戰。吉利、安恒、新華三和趣鏈分別代表了這一轉型的不同面向——從移動出行和網路安全到數位基礎設施和區塊鏈。

這些公司的共同特點是強調內部技術開發、策略性合作夥伴關係，以及適應不斷變化的市場動態的必要性。這些見解表明，在快速變化的商業環境中，靈活性、技術創新和以客戶為中心的策略是成功的關鍵。

從這次旅行中獲得的經驗與學習點，無疑會影響我對數位轉型的觀點，以及公司如何在競爭激烈的全球市場中戰略性地定位自己。

  • 4 min read

Reflection on Study Trip to Hangzhou

The recent study trip to Hangzhou provided an invaluable opportunity to explore innovative practices in technology and retail. It was fascinating to witness the thriving ecosystem of tech companies and their efforts in digital transformation, risk management, and e-commerce. Two companies stood out during this trip: Tongdun Holdings and Yowant (Yaowang). Each company showcased its unique approach to integrating cutting-edge technologies into their business models, highlighting key lessons in risk management, customer engagement, and leveraging digital platforms for growth.

Exploring Tongdun Holdings: A Leader in Risk Control and Decision-Making Solutions

Tongdun Holdings impressed us with its use of big data and AI in providing intelligent risk control and decision-making solutions. Founded in 2013, Tongdun has grown to serve over 10,000 customers worldwide, specializing in areas like fraud detection, credit risk assessment, and anti-money laundering. One of my key takeaways was how the company blends advanced technology with a startup mentality, constantly pushing for innovation with a sense of urgency.

One notable aspect of Tongdun’s approach is its credit scoring models. These models use data points such as loan history, payment behavior, and even social credit to assess individual creditworthiness. Moreover, their risk scoring models incorporate user behavior, device characteristics, and geolocation data to detect and prevent fraud in real-time. The company’s ability to adapt its solutions for various markets, taking into account geopolitical and economic factors, was particularly insightful.

The emphasis on people practices stood out as a critical factor in their success. Despite challenges in hiring talent that combines technical expertise, language proficiency, and cultural fit, Tongdun invests heavily in internal talent development. Their commitment to agile methodology and bi-weekly iterations enables rapid deployment and improvement of solutions, especially in their SaaS and API-based products. This adaptability is crucial in an industry where fraudsters are constantly evolving, and staying ahead is key to maintaining a competitive edge.

From the visit, a key learning point was the difference in business culture between B2B and B2C companies. B2B businesses, like Tongdun, require relationships with government officials and banking clients, whereas B2C companies can be more casual and iterate faster. Embracing change and reorganizing structures based on business demands are key to their leadership style.

Yowant: Blending Online and Offline Commerce

The visit to Yowant (Yaowang) was equally enlightening, providing a glimpse into the future of retail. As a global leader in social e-commerce, Yowant connects international brands with influential KOLs (Key Opinion Leaders) and celebrities to drive engagement and sales. The company’s innovative business model revolves around a live streaming ecosystem, allowing brands and influencers to promote products 24/7.

One of the most intriguing aspects of Yowant’s model is its ability to merge the online and offline retail experience. The Yowant X27 Theme Park in Hangzhou is a unique 24/7 consumer complex that allows influencers to livestream, while visitors can explore various brands in a beautifully decorated setting. This integration of "digital-reality" experiences creates a win-win situation for both the brands and the influencers. During our visit, we observed how influencers could select products they wish to promote in their livestreams, offering a level of flexibility and creative autonomy that traditional retail models cannot match.

However, it was also evident that this model comes with its challenges. Despite the innovative approach, the physical mall suffered from low foot traffic, primarily due to its remote location. This highlights the delicate balance between the online shopping trend and the in-person experience, especially in a market where consumers primarily make purchases online but seek experiences during their offline visits.

My key takeaway from this visit is that Yowant's model represents the future of retail, combining online streaming with offline experiences. While it may not be directly applicable to markets like Singapore due to space constraints, it has the potential to disrupt traditional retail businesses. For example, live streaming furniture assembly could revolutionize businesses like IKEA, merging the convenience of online shopping with the immersive in-person experience.

Key Learnings from the Trip

Reflecting on this study trip, several key lessons stood out:

  1. Embrace Change: Both companies demonstrated the importance of embracing changes in technology and market dynamics. Tongdun constantly innovates to stay ahead of fraudsters, while Yowant adapts to the latest trends in e-commerce and influencer marketing.

  2. Focus on Talent: Tongdun's struggle to find talent that combines technical skills, cultural fit, and international language proficiency underscores the global challenge of building high-performing teams in tech-driven industries.

  3. Customer-Centric Approaches: A customer-first mindset was evident in both companies. Tongdun's real-time risk detection solutions and Yowant's flexible live streaming environment cater to evolving customer needs, demonstrating the importance of agility in today's market.

  4. Blending Online and Offline Experiences: Yowant's innovative approach to blending online live streaming with offline experiences offers a glimpse into the future of retail, where creating engaging experiences for consumers is just as crucial as the products themselves.

Overall, the Hangzhou study trip was an eye-opening experience, providing insights into the intersection of technology, commerce, and customer engagement. It reinforced the notion that innovation, adaptability, and a focus on customer needs are essential for thriving in the fast-paced digital economy.

  • in zh
  • 1 min read

杭州學習之旅的反思

近期的杭州學習之旅提供了一個探索科技和零售創新實踐的寶貴機會。能夠見證科技公司蓬勃發展的生態系統，以及它們在數字化轉型、風險管理和電子商務方面的努力，令人深感興奮。本次旅程中，兩家公司尤為引人注目：同盾科技和耀網（Yaowang）。每家公司都展示了其將尖端技術融入業務模式的獨特方式，並強調了在風險管理、客戶參與以及利用數字平台促進增長方面的關鍵經驗。

探索同盾科技：風險控制與決策解決方案的領導者

同盾科技憑藉其在風險控制與決策解決方案中的大數據和人工智慧應用給我們留下了深刻印象。成立於2013年的同盾，已經成長為服務超過一萬家全球客戶的企業，專注於欺詐檢測、信用風險評估和反洗錢等領域。我的主要收穫之一是該公司如何將先進技術與初創企業心態相結合，在緊迫感中不斷推動創新。

同盾的信用評分模型尤其值得關注。這些模型通過貸款歷史、支付行為甚至社會信用等數據點來評估個人信用。此外，他們的風險評分模型結合用戶行為、設備特徵和地理位置數據來實時檢測和防止欺詐。同盾根據不同市場的地緣政治和經濟因素調整解決方案的能力，尤其具有啟發性。

人員管理的重視成為其成功的關鍵因素之一。儘管在招聘兼具技術專業能力、語言能力和文化契合度的人才方面面臨挑戰，同盾對內部人才發展進行了大量投資。他們對敏捷開發方法論的承諾和每兩週一次的迭代，使得SaaS和API產品的解決方案能夠快速部署和改進。在欺詐者不斷進化的行業中，這種適應能力對於保持競爭優勢至關重要。

本次訪問的一個重要學習點是B2B和B2C公司之間的商業文化差異。B2B企業，如同盾，與政府官員和銀行客戶的關係非常重要，而B2C公司可以更加隨意並且迭代更快。根據業務需求接受變化並重新組織結構是其領導風格的關鍵。

耀網：融合線上與線下的商業

參觀耀網（Yaowang）同樣令人耳目一新，提供了一個了解零售未來的窗口。作為社交電商的全球領導者，耀網將國際品牌與KOL（關鍵意見領袖）和名人連接起來，以促進參與和銷售。該公司的創新業務模式圍繞著直播生態系統，讓品牌和影響者能夠24/7地推廣產品。

耀網模式的一個引人注目的方面是其將線上與線下零售體驗融合的能力。位於杭州的耀網X27主題公園是一個獨特的24/7消費者綜合體，允許影響者進行直播，同時訪客可以在美麗裝飾的環境中探索各種品牌。這種"數字-現實"的融合體驗為品牌和影響者創造了雙贏的局面。在訪問期間，我們觀察到影響者可以選擇他們希望在直播中推廣的產品，提供了一種靈活性和創意自主性，這是傳統零售模式所無法匹敵的。

然而，也顯而易見的是，這種模式也伴隨著挑戰。儘管其創新方法，該實體商場的客流量因偏遠地理位置而相對較低。這說明了在線購物趨勢與親身體驗之間的微妙平衡，尤其是在消費者主要在線購物，但同時尋求線下訪問時的體驗市場中。

我的主要收穫是耀網的模式代表了零售的未來，結合了在線直播和線下體驗。雖然由於空間限制，這種模式可能不直接適用於如新加坡這樣的市場，但它有潛力顛覆傳統零售業。例如，直播組裝家具可以革新像IKEA這樣的業務，融合在線購物的便利性與沉浸式的親身體驗。

學習旅程中的關鍵收穫

回顧這次學習之旅，有幾個關鍵教訓脫穎而出：

  1. 接受變化：兩家公司都展現了接受技術和市場動態變化的重要性。同盾不斷創新以領先於欺詐者，而耀網適應電子商務和影響者營銷中的最新趨勢。

  2. 專注於人才：同盾在尋找兼具技術技能、文化契合度和國際語言能力的人才方面的挑戰凸顯了在科技驅動行業中建立高效團隊的全球挑戰。

  3. 以客戶為中心的方式：在兩家公司中都能看到以客戶為主的思維模式。同盾的實時風險檢測解決方案和耀網靈活的直播環境迎合了不斷變化的客戶需求，表明了在當今市場中保持敏捷的重要性。

  4. 融合線上與線下體驗：耀網結合線上直播和線下體驗的創新方法，讓人窺見了零售的未來。在為消費者創造吸引人的體驗和提供產品本身同樣重要的背景下，該方法提供了有價值的參考。

總的來說，杭州學習之旅是一個令人耳目一新的經歷，提供了有關科技、商業和客戶參與交集的見解。它加強了創新、適應能力和以客戶需求為中心的關注對於在快節奏數字經濟中蓬勃發展的重要性。

  • 4 min read

The Power of Storytelling in Digital Business Case Development

In today’s fast-paced digital landscape, CxOs are often tasked with justifying large investments in technology to decision-makers. Yet, many struggle to effectively convey the value these investments bring to the business. A powerful way to overcome this challenge is by leveraging storytelling, turning data and complex ideas into a compelling narrative that resonates with stakeholders. Effective storytelling is essential for driving strategic business value, especially when communicating digital initiatives to the board and other key decision-makers.

Why Storytelling Matters

CxOs frequently face the challenge of presenting digital transformation initiatives in a way that aligns with organizational goals. According to a Gartner survey, many IT leaders fail to make their message relevant or clear, and they often lack sufficient data to back up their claims. Storytelling helps bridge this gap by transforming technical metrics into value-driven narratives that focus on outcomes, risk, cost, and, most importantly, value.

A strong story can grab the attention of your audience, highlight the impact of your digital strategy, and answer the all-important question: "Why should the business care?"

Building a Value-Driven Story

The value of any digital investment is not just in the technology itself but in its ability to drive key business outcomes. Whether the initiative is aimed at increasing revenue, improving customer experience, or boosting operational efficiency, storytelling allows CxOs to link these objectives to the business's strategic goals.

Here are some key components of a strong value-driven story, in the Business Case Development Framework:

  1. Align with Strategic Objectives: A value story must clearly align with the organization’s top priorities. For example, instead of stating that a new system will improve uptime, link this improvement to increased transaction capacity, leading to higher revenue or customer retention.

  2. Communicate the Full Picture: It’s essential to discuss cost, risk, and value. Rather than focusing solely on cost, show how the initiative will mitigate risks and create value in both the short and long term. Metrics like Return on Investment (ROI) or Net Present Value (NPV) can support the financial side of the story.

  3. Use the Right Metrics: As the slides indicate, not all metrics are created equal. Choose ones that resonate most with your audience. Quantify qualitative benefits wherever possible and provide a mix of leading and lagging indicators to show both immediate and long-term impacts.

  4. State Assumptions Clearly: Transparency in your assumptions builds credibility. If your projections are based on specific market conditions or customer behavior, make this clear so stakeholders understand the rationale behind your numbers.

Storyboarding: The Framework for Effective Communication

To build a coherent narrative, the Digital Investment Storyboard Framework offers four guiding principles:

  • Less is More: Focus on what’s important and avoid overwhelming your audience with too much technical detail. Highlight the key benefits and value drivers.
  • Clear & Simple: Avoid jargon and keep your message straightforward, ensuring that even non-technical stakeholders can understand the impact of your proposal.
  • Credible: Always back up your claims with quantitative evidence. Metrics like time saved, increased transaction volumes, or cost reductions are more persuasive than abstract promises.
  • Show, Don’t Tell: Use visuals or prototypes to demonstrate how your initiative will work. A well-designed chart or mockup can often convey more than words.

Practical Tips for Presenting Your Story

Finally, when it comes time to present your story to the board, remember to:

  • Know Your Audience: Tailor your story to what matters most to your audience. For example, if you’re presenting to the CFO, emphasize cost savings and ROI. For a CEO, focus on how your initiative will drive business growth.
  • Start with a Hook: Grab attention with a strong opening that answers the question, "Why should they care?" This can be an alarming statistic, a customer success story, or a bold claim backed by data.
  • Unpack the Details: Once you’ve captured your audience’s attention, delve into the specifics. Use the right language and metrics to illustrate why your initiative is worth the investment.
  • Make the Ask: Be clear about what you want from your audience, whether it’s funding, approval, or resources. Don’t leave them guessing.

Conclusion

In the world of digital governance, telling a compelling value story is crucial for securing buy-in from decision-makers. By aligning your narrative with business objectives, using clear and credible metrics, and following a structured storyboard framework, CxOs can overcome the common challenges of conveying the business value of digital investments. Storytelling is more than just a presentation technique—it’s a strategic tool that can turn complex data into a persuasive case for digital transformation.

  • in zh
  • 1 min read

故事敘述在數位業務案例開發中的力量

在當今快速變化的數位環境中，CxO（首席經營官）經常面臨向決策者證明大型技術投資合理性的挑戰。然而，許多人難以有效地傳達這些投資對業務帶來的價值。一種強而有力的方法是利用故事敘述，將數據和複雜的想法轉化為與利益相關者共鳴的引人入勝的敘述。有效的故事敘述對於推動策略性業務價值至關重要，特別是在向董事會和其他關鍵決策者傳遞數位計畫時。

為何故事敘述很重要

CxO 經常面臨以符合組織目標的方式呈現數位轉型計畫的挑戰。根據 Gartner 的調查，許多 IT 領導者未能讓他們的訊息變得相關或清晰，且常缺乏足夠的數據來支持他們的主張。故事敘述有助於通過將技術指標轉化為以價值為導向的敘述，聚焦於結果、風險、成本，最重要的是價值。

一個強有力的故事可以吸引觀眾的注意力，強調您的數位策略的影響，並回答一個關鍵問題：「為什麼企業應該關心？」

建立以價值為導向的故事

任何數位投資的價值不僅在於技術本身，而在於其推動關鍵業務成果的能力。無論該計畫旨在增加收入、改善客戶體驗還是提升運營效率，故事敘述都能讓 CxO 將這些目標與企業的策略性目標聯繫起來。

以下是強有力的以價值為導向故事的一些關鍵組成部分，基於業務案例開發框架：

  1. 與策略目標對齊：價值故事必須明確與組織的首要任務對齊。例如，與其說一個新系統將提高正常運行時間，不如將這種改進與更高的交易容量聯繫起來，從而導致收入增長或客戶留存率提高。

  2. 全面傳達信息：務必討論成本、風險和價值。與其僅關注成本，不如展示該計畫將如何在短期和長期內降低風險並創造價值。像投資回報率（ROI）或淨現值（NPV）這樣的指標可以支持故事的財務部分。

  3. 使用正確的指標：並非所有指標都具有相同的影響力。選擇那些最能引起您的觀眾共鳴的指標。盡可能量化質化收益，並提供領先和滯後指標的組合，以顯示即時和長期影響。

  4. 清楚陳述假設：透明的假設可以建立可信度。如果您的預測基於特定的市場條件或客戶行為，請清楚說明，讓利益相關者了解您數字背後的邏輯。

故事板：有效溝通的框架

為了構建連貫的敘述，數位投資故事板框架提供了四個指導原則：

  • 少即是多：專注於重要的內容，避免用過多的技術細節讓觀眾感到不知所措。突出關鍵收益和價值驅動因素。
  • 清晰與簡潔：避免行話，保持信息簡單明瞭，確保即使是非技術相關者也能理解您的提議的影響。
  • 可信：始終用量化的證據支持您的主張。像節省時間、增加交易量或成本降低這樣的指標比抽象的承諾更具說服力。
  • 展示而非敘述：使用視覺效果或原型來展示您的計畫如何運作。一個設計良好的圖表或模擬往往比文字更有說服力。

提案的實用技巧

最後，在向董事會呈現您的故事時，記住：

  • 了解您的觀眾：根據觀眾最關心的內容量身定制您的故事。例如，如果您是向 CFO 提案，強調成本節省和 ROI；如果是向 CEO 提案，則重點關注您的計畫如何推動業務增長。
  • 以吸引人的開場白開始：用一個有力的開場白抓住注意力，回答「他們為什麼應該關心？」這個問題。這可以是一個令人震驚的統計數據、一個客戶成功案例，或者是一個由數據支持的大膽主張。
  • 詳細解釋：一旦吸引了觀眾的注意力，深入到細節中。使用正確的語言和指標來說明為什麼您的計畫值得投資。
  • 清楚地提出要求：明確您希望從觀眾那裡得到什麼，無論是資金、批准還是資源。不要讓他們猜測。

結論

在數位治理的世界中，講述一個引人入勝的價值故事對於獲得決策者的支持至關重要。通過將您的敘述與業務目標對齊，使用清晰且可信的指標，並遵循結構化的故事板框架，CxO 可以克服傳達數位投資業務價值的常見挑戰。故事敘述不僅僅是一種演示技巧——它是一種策略性工具，可以將複雜數據轉化為數位轉型的有說服力的案例。

  • 3 min read

In the fast-evolving landscape of digital transformation, governance is no longer confined to traditional structures. The concept of Digital Governance emerges as a critical framework that encompasses the strategic alignment of digital initiatives with business goals, risk management, and performance measurement. As businesses increasingly rely on digital technologies to drive operations, leadership, and competitive advantage, effective governance becomes a cornerstone for success.

What is Digital Governance?

At its core, Digital Governance is the framework by which organizations oversee and manage their digital strategy, investments, and execution across all business domains. It is an evolution of traditional governance, addressing the unique demands of a digital-first world. According to Gartner, digital governance is a fusion of business and technology governance, focusing on real-time decision-making, agility, and innovation.

The essence of digital governance lies in its ability to adapt to rapidly changing environments, embracing the opportunities and managing the risks posed by digital technologies. This involves realigning corporate strategies to place digital at the core, shifting away from the traditional view where IT merely supports the business. In the digital age, governance becomes a driving force, ensuring that digital transformation efforts are aligned with broader business objectives.

The Role of IT in Digital Governance

IT governance plays a critical role in digital governance by ensuring that all digital functions within an organization are aligned with its overall business strategy. Traditional governance models often treated IT as a support function, but in the digital era, IT is seen as a key enabler for innovation and value creation. The integration of IT into digital governance requires organizations to rethink their approaches to risk management, resource allocation, and performance measurement.

In digital governance, the focus is on strategic alignment, ensuring that digital initiatives are directly linked to business goals. This involves continuous monitoring of IT’s contribution to business outcomes, whether through enhancing customer experiences, improving operational efficiencies, or generating new revenue streams.

Governance for Digital Enterprises

Digital enterprises operate in environments characterized by rapid technological advancements, intense competition, and complex regulatory landscapes. Governance in such organizations must be pervasive, meaning it permeates every level of the business, from boardroom decisions to operational teams. A key feature of digital governance is the real-time decision-making ability, which enables businesses to respond swiftly to market changes and technological disruptions.

Traditional governance structures, which rely on a top-down approach, often struggle to scale in digitally enabled businesses. Digital governance requires a shift in mindset towards agility, where governance mechanisms facilitate rather than control innovation. This approach allows businesses to embrace risks, leveraging them as opportunities for growth and learning.

Risk Management in Digital Governance

Risk management in the digital age requires a more nuanced approach compared to traditional governance models. While traditional governance views risks as something to be avoided, digital governance sees risk as an opportunity. The idea is not to minimize risks but to evaluate them in the context of potential returns. This shift from “governance of risk” to “governance for risk” encourages organizations to take calculated risks, driving innovation while ensuring resilience.

Effective digital governance also includes robust cybersecurity governance and data protection strategies. As organizations become more reliant on data and digital technologies, protecting these assets becomes paramount. Implementing governance frameworks that address cybersecurity risks and ensure compliance with data privacy regulations is essential for maintaining trust and safeguarding organizational assets.

Building the Future with Digital Governance

As businesses continue to pivot towards digital transformation, digital governance becomes a critical enabler for sustained growth and success. It ensures that digital strategies are not just about adopting new technologies but are deeply integrated with the organization’s broader business objectives. Boards and executive teams must be proactive in fostering a governance culture that is adaptive, collaborative, and aligned with the rapid pace of digital change.

In conclusion, digital governance provides the framework for navigating the complexities of a digital-first world. It addresses the challenges of aligning digital initiatives with business goals, managing risks, and ensuring that investments in technology deliver tangible value. As organizations embrace digital transformation, effective governance will be key to driving innovation, achieving competitive advantage, and ensuring long-term sustainability.

  • in zh
  • 1 min read

在數位時代掌舵企業未來

在快速演進的數位轉型環境中，治理已不再侷限於傳統結構。「數位治理」的概念已然成為一個關鍵框架，它涵蓋了數位創新與業務目標的戰略對齊、風險管理和績效衡量。隨著企業越來越依賴數位技術來推動運營、領導和競爭優勢，有效的治理成為成功的基石。

什麼是數位治理？

數位治理的核心是，組織用來監督和管理其數位策略、投資和執行的框架，涵蓋所有業務領域。它是對傳統治理的進化，專門針對數位優先的世界的獨特需求。根據Gartner的定義，數位治理是一種融合商業與技術治理的模式，重點在於即時決策、敏捷性和創新。

數位治理的本質在於其適應快速變化環境的能力，抓住數位技術帶來的機遇，同時管理相關風險。這需要重新調整企業戰略，將數位置於核心地位，而非僅僅作為IT支持的業務活動。在數位時代，治理成為推動力量，確保數位轉型努力與更廣泛的業務目標保持一致。

IT在數位治理中的角色

IT治理在數位治理中扮演著至關重要的角色，確保組織內的所有數位功能與其整體業務戰略保持一致。傳統的治理模型往往將IT視為支持功能，但在數位時代，IT被視為創新和價值創造的核心驅動力。將IT整合到數位治理中，要求企業重新思考其在風險管理、資源分配和績效衡量方面的方法。

數位治理專注於戰略對齊，確保數位創新與業務目標直接相關。這包括持續監控IT對業務成果的貢獻，例如提升客戶體驗、改進運營效率或創造新的收入來源。

數位企業的治理

數位企業運營於技術快速發展、競爭激烈和監管複雜的環境中。在這類企業中，治理必須是全覆蓋的，即從董事會的決策到運營團隊的執行，滲透到業務的每個層面。一個關鍵特徵是即時決策能力，使企業能夠快速應對市場變化和技術干擾。

傳統的自上而下的治理結構通常難以在數位化企業中擴展。數位治理需要轉變為敏捷心態，通過促進而非控制創新來實現治理機制。這種方法使企業能夠擁抱風險，並將其作為增長和學習的機會。

數位治理中的風險管理

數位時代的風險管理需要比傳統治理模型更為細緻的方式。傳統治理將風險視為需避免的對象，而數位治理則將風險視為機會。其目的是評估風險與潛在回報的關係，而非僅僅將風險降至最低。這種從「治理風險」到「為風險治理」的轉變，鼓勵組織採取經過計算的風險，推動創新，同時確保韌性。

有效的數位治理還包括健全的網絡安全治理和數據保護策略。隨著組織越來越依賴數據和數位技術，保護這些資產至關重要。實施治理框架以應對網絡安全風險並確保符合數據隱私法規，對於維護信任和保護組織資產至關重要。

以數位治理建構未來

隨著企業繼續向數位轉型邁進，數位治理成為實現持續增長與成功的關鍵推動力。它確保數位策略不僅僅是採用新技術，而是與組織的更廣泛業務目標深度融合。董事會和高管團隊必須積極培養一種治理文化，使其具有適應性、協作性，並與數位變化的快速步伐保持一致。

總而言之，數位治理為在數位優先世界中導航提供了框架。它解決了數位創新與業務目標對齊的挑戰，管理風險，並確保技術投資能帶來切實的價值。隨著組織擁抱數位轉型，有效的治理將成為推動創新、實現競爭優勢和確保長期可持續性的關鍵。

  • 4 min read

Maximizing Efficiency and Collaboration with Gig Workers

In today’s rapidly evolving work environment, organizations are increasingly relying on gig workers to complement their full-time employees. This shift provides flexibility, specialized expertise, and cost-effectiveness. However, it also raises critical questions: When should organizations hire gig workers instead of full-time employees? How can they integrate these roles to maximize efficiency? And how can organizations ensure that gig workers are aligned with their strategic goals and contribute meaningfully to the company?

This blog post explores four key areas to consider when integrating gig workers into your organizational framework: hiring criteria, tailored training approaches, fostering loyalty, and establishing feedback mechanisms.

1. Hiring Gig Workers vs. Full-Time Employees: Key Criteria for Decision-Making

Organizations must carefully evaluate whether to hire gig workers or full-time employees based on several factors:

  • Task Nature & Duration: Gig workers are ideal for short-term, project-based tasks or highly specialized roles that do not require long-term commitment. Full-time employees, on the other hand, should handle strategic, core business functions that require continuity and a deeper understanding of the company’s goals and culture.

  • Expertise Requirement: Gig workers are a great solution when a task requires specialized skills that are not available in-house. However, if those skills are critical to long-term success, hiring full-time employees may provide greater stability and opportunities for knowledge development.

  • Budget Considerations: While gig workers can reduce costs for short-term or ad-hoc projects, full-time employees provide stability and help mitigate costs associated with frequent onboarding and training.

  • Operational Flexibility: Gig workers offer flexibility, allowing organizations to quickly scale up or down based on project needs. Full-time employees, however, ensure consistent operational support and alignment with the company’s long-term objectives.

Task Segregation: To ensure seamless integration, organizations should clearly define tasks based on worker type. Gig workers can focus on well-defined, specialized tasks, such as coding sprints or content creation. Full-time employees can handle more strategic responsibilities like long-term product development and client management. By using joint communication tools and collaborative platforms, both groups can work in tandem to drive efficiency.

2. Tailored Training Approaches for Gig Workers

Effective training is crucial for gig workers to align quickly with company objectives. However, training gig workers must be efficient and targeted to the task at hand. Here are some tailored approaches:

  • Streamlined Onboarding Modules: Design a concise, role-specific onboarding process with micro-learning elements. This ensures that gig workers understand the company’s strategic goals and how their work fits into the broader context without being overwhelmed.

  • Just-in-Time Training: Deliver quick, relevant training materials exactly when needed. For example, project-specific guides or tool tutorials can help gig workers get up to speed without wasting time.

  • Mentorship & Buddy Systems: Pair gig workers with full-time employees or mentors who can guide them through processes and offer on-the-job support. This approach not only accelerates their productivity but also fosters collaboration.

  • Leveraging Technology: Use Learning Management Systems (LMS) or other digital platforms to provide flexible, self-paced training. Track engagement and completion to ensure effectiveness.

3. Fostering Loyalty and Belonging among Gig Workers

Despite their temporary status, gig workers are integral to project success. Organizations must make them feel valued and included to foster loyalty and increase retention rates for future projects. Here's how:

  • Recognition & Rewards: Acknowledge gig workers’ contributions publicly, whether through shoutouts in team meetings or project newsletters. Offering bonuses or professional development opportunities can further enhance their sense of belonging.

  • Inclusion in Company Culture: Invite gig workers to team events, brainstorming sessions, and meetings. This makes them feel part of the organizational ecosystem and provides a sense of purpose.

  • Clear Communication of Vision: Share the company’s long-term vision and goals with gig workers, even if they are only involved temporarily. When gig workers understand how their contributions align with the company’s mission, they are more likely to feel a sense of pride in their work.

  • Opportunities for Future Engagement: Let gig workers know that exceptional work could lead to future engagements or even full-time opportunities. This can foster a sense of continuity, even within a short-term role.

4. Adapting Feedback Mechanisms and Establishing Relevant Performance Metrics

Feedback is a critical tool for ensuring that gig workers improve continuously and stay aligned with project goals. Traditional performance reviews may not be applicable, so organizations should adapt feedback mechanisms specifically for gig workers:

  • Frequent, Constructive Feedback: Rather than waiting for project completion, offer feedback at regular intervals. This could be through weekly check-ins or milestone evaluations, allowing for course corrections and continuous improvement.

  • Two-Way Feedback: Encourage gig workers to share their thoughts on the project and any challenges they face. This fosters an environment of collaboration and helps refine future processes.

Performance Metrics: Gig workers’ performance should be evaluated based on specific, task-relevant metrics, including:

  • Quality of Deliverables: Assess the gig worker’s output based on accuracy, creativity, and how well it meets the set guidelines.
  • Timeliness: Measure how well gig workers adhere to project deadlines and turnaround times.
  • Collaboration & Communication: Gauge their effectiveness in working with full-time teams and their communication throughout the project lifecycle.
  • Problem-Solving & Adaptability: Evaluate their ability to respond to feedback and adapt to new challenges during the project.

Conclusion

The integration of gig workers into an organization can provide significant advantages, including flexibility, cost savings, and access to specialized expertise. However, to truly maximize efficiency and collaboration, organizations must carefully decide when to hire gig workers, offer tailored training, foster loyalty, and establish clear feedback mechanisms. By approaching gig work strategically, organizations can build strong relationships with these workers, ensuring high-quality output and sustained collaboration.