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The future of neobanks. Does fintech banking have a future? 
Emerging as a compelling alternative to traditional banking, neobanks place a strong emphasis on providing swift banking services, responsive customer support, fair fee structures, and user-friendly financial products.
The future of neobanks. Does fintech banking have a future? 
Emerging as a compelling alternative to traditional banking, neobanks place a strong emphasis on providing swift banking services, responsive customer support, fair fee structures, and user-friendly financial products.
The Crisis Experience
In this paper, written in the wake of the 2008 financial crisis, Michael Ruckman explains why customer-centric business models can and must survive periods of crisis.
The Crisis Experience
In this paper, written in the wake of the 2008 financial crisis, Michael Ruckman explains why customer-centric business models can and must survive periods of crisis.
Are Businesses Stupid When it Comes to Customer Relationships?
Do businesses lack the intelligence to effectively manage customer relationships? This article explores the various forms of intelligence that businesses must develop in order to better serve this goal.
Are Businesses Stupid When it Comes to Customer Relationships?
Do businesses lack the intelligence to effectively manage customer relationships? This article explores the various forms of intelligence that businesses must develop in order to better serve this goal.
Leadership in the Digital Age
Mr. Ruckman gave insights into the changing role of leadership in modern companies, the changes in business models over the last few decades, focusing on what firms should do.
Leadership in the Digital Age
Mr. Ruckman gave insights into the changing role of leadership in modern companies, the changes in business models over the last few decades, focusing on what firms should do.
The Three Faces of Digital for Retailers
We spent a little time exploring the three major areas of digital value creation for retailers, and we found most businesses are not taking full advantage of the opportunities.
The Three Faces of Digital for Retailers
We spent a little time exploring the three major areas of digital value creation for retailers, and we found most businesses are not taking full advantage of the opportunities.
Digital Transformation: In this Global, Digital World We All Must Learn to Work Together!
PLUS magazine talked about many topics with Michael Ruckman, Founder and President of Senteo, a boutique consultancy with an impressive track record in business transformation.
Exploring Culture and Transformation Opportunities
Development cycles, customer-centric business models, corporate culture and other topics discussed with the local press during a trip to Kyrgyzstan and a workshop with Bai Tushum Bank in Bishkek.
The Operational & Management Dilemma for Russian Bankers
Miroslav Boublik examines three aspects of bank operating models - the organization of operations, the approach to business, and the management model, alongside the specifics of the Russian market.       
A New Level of Economic Value
How can banks provide value for customers and build lasting relationships? Joseph B. Pine, author of The Experience Economy, explains the benefits of avoiding commoditization and embracing mass customization.
A New Level of Economic Value
How can banks provide value for customers and build lasting relationships? Joseph B. Pine, author of The Experience Economy, explains the benefits of avoiding commoditization and embracing mass customization.
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    The Relationship-Centric Bank. Detailed breakdown
    Why do customer relationships really matter? Michael Ruckman explains the fundamentals of healthy customer relationships and why they are important to businesses. The Relationship-Centric Bank
    Interview With Michael Ruckman for the 2018 Customer Day Conference
    What major trends will impact customer experiences in the next 3-5 years? In the article Michael Ruckman discusses the strengths and limitations of technology in improving customer experiences.