Wealth management firms are increasingly adopting social media strategies to engage younger clients and build their brands. Younger generations expect personalized, on-demand services and recommendations from peers on social platforms. While regulations and compliance issues initially discouraged social media use, recent regulatory changes make social media a more viable option for wealth firms. The document recommends wealth firms develop social media strategies around five key areas: gaining customer insights from social conversations; creating valuable educational content; engaging in conversations with clients; integrating social media across marketing channels; and ensuring compliance and risk management. When done effectively, social media allows firms to strengthen relationships with clients, prospect new clients, and monitor their brand reputation.

1. Wealth Management: Traveling the
Social Street to Influence Minds and
Investment Decisions
By developing a comprehensive social media strategy, wealth
management firms can leverage various platforms such as LinkedIn,
Facebook, YouTube and Twitter to build their brand, engage and educate
customers, and create client networks to drive business while ensuring
regulatory compliance.
• Cognizant Reports
cognizant reports | June 2013

2. cognizant reports 2
Executive Summary
Despite their old-world money roots, wealth
management firms are following in the foot-
steps of other financial services players by rap-
idly embracing social media. With baby boomers
nearing the end of their wealth-generation phase,
these firms are devising new strategies to reach
out and engage with younger clients.
GenerationX1
andmillennials2
aretech-savvyvalue
seekers who prefer searching online for firms
and advisors and seek peer advice on financial
management through social media. They expect
personalized service on-demand and will quickly
shift to a rival if they become dissatisfied. Hence,
it is important for wealth management firms to
establish and extend a strong social media pres-
ence to continuously communicate and engage
with customers. Many firms and advisors are
using social media primarily for client prospect-
ing, sharing industry news, networking with peers,
marketing, etc. Some early movers, such as Mor-
gan Stanley, have succeeded in using social media
to attract new clients and generate business.3
However, a mere presence on social media does
not guarantee new customers. Social media
should not be viewed as just another sales chan-
nel. It must be part of an organization’s strategy
to reach out to a wider audience, and build and
effectively manage the brand. It is a valuable tool,
if used properly, to interact with and learn more
about client/prospect needs in a cost-effective and
somewhat nonintrusive way to serve them better.
We recommend that firms looking to effectively
utilize social media channels should develop a
strategy around the “five Cs:” customer insights,
content, conversation, channel integration and
compliance and risk management.
Driving Forces
The rapid rise of social media use among the
general population, particularly younger clients
(who are influenced by their anytime, anywhere
interactions with retailers), is driving wealth
managers to embrace social media platforms to
enhance customer contact.
New-Generation Clients
The 80 million baby boomers (born between 1946
and 1964) who kept wealth managers busy over
the last few decades are on the verge of retire-
ment or have retired. Their wealth-accumulation
phase is clearly expiring. This means wealth
management firms must shift their focus to the
next generation of clients — Generation X and
millennials.
Young investors — and particularly those who
stand to inherit wealth from baby boomers and
the Silent Generation4
— will become the key
client segment for wealth management firms.
The behavior and demands of these clients
differ radically from those of previous
generations. They are more tech-savvy and less
apt to be influenced by vendor marketing, and
they demand transparency and customized
offerings. They scout for better deals online and
quickly shift to new brands if they are not satis-
fied with their current product or service. These
customers also share effusively on social media
and rely on online sources and interactions for
information on nearly everything, including
financial management and advisors.
Studies indicate that only 2% of adult children
continue to use their parents’ financial advisor to
manage their inherited wealth.5
Given this trend,
wealth management firms and advisors face tough
odds retaining these clients, particularly if they
are not sensitive to their behaviors and desires.
Social Media and the Wealthy
It is a common perception that the rich tend
not to discuss their personal financial mat-
ters on social media forums. However, recent
studies disprove this. For instance, five million
high-net-worth investors across the U.S. and
Canada use social media for their investment
decisions, according to a study by LinkedIn and
Cogent Research.6
LinkedIn and Facebook are
also used for researching wealth management
firms, advisors and other financial information.7
Investors are rethinking their investment deci-
sions based on the information found on social
media, with about 70% changing their strate-
gies or altering their relationship with providers,
according to a survey by Cogent of 4,000 inves-
tors with at least $100,000 in investable assets.8
Further, as social media usage increases, clients
expect more from wealth management firms and
advisors when it comes to social media use.
Key Social Media Issues
Despite its resounding success among
consumers, social media adoption among wealth
managers has lagged behind (see sidebar,

3. cognizant reports 3
next page). Evolving regulations, persistent
privacy and security concerns, and the need
to create robust social media policies have so
far discouraged firms and advisors from fully
embracing social media.
• Regulations: In recognition of the interactive
nature of social media communications, the
U.S. Financial Industry Regulatory Author-
ity (FINRA) in December 2011 withdrew the
requirement that all social media posts must
be filed with regulatory agencies before pub-
lication. FINRA now considers social media
communications to be retail communications
rather than advertisements. This change
removed a major hurdle for wealth manag-
ers, as filing all social media posts with regu-
lators was a cumbersome process. However,
static content that does not allow comments
or responses, such as company profiles, still
requires prior approval. Firms must also
archive both static and dynamic content,
including content posted by a third party, even
if the firms do not endorse the content. Addi-
tionally, FINRA requires firms to monitor social
media content and put robust social media
policies in place to supervise employees.
In March 2013, the Securities and Exchange
Commission (SEC) released new guidelines
stating that certain types of interac-
tive communications need not be filed
with regulators. Such communications
include responding to requests or inqui-
ries from social media users, forwarding
previously filed content and hyperlinking
content to general financial and investment
information.9
On the other hand, com-
munications that discuss the investment
merits of a fund or fund performance
must be filed with regulators, such as
tweeting information on fund returns.10
This has made it considerably easier for
advisors to connect and communicate with
individuals, raise awareness about products
and provide hyperlinks to information about
related products and services.
• New investments: Firms embarking on a
social media journey must invest in tools
and technology for content creation compli-
ance and monitoring, as well as for analytics,
employee training and managing risk and com-
pliance. (See our white paper “Competing in
the Social Era: Charting Your Digital Agenda”
for more details.)
• Archiving: Firms are required to archive all
social media communication and interac-
tions. As advisors increasingly participate on
social media, record-keeping may become an
arduous task, particularly if the SEC requires
records to be submitted within a specific time-
frame. Further, uncertainty remains as to how
long records need to be preserved.
• Data security: Wealth management firms
and advisors are very concerned about
protecting sensitive and private information
that exists on social media or internal systems
from unauthorized access or misuse. The SEC
recommends firewalls to protect customer
data, proprietary information and social media
sites to minimize security risks.11
Further, firms
must have robust policies and monitoring
systems in place to prevent exposure of
client data and other security breaches.
Benefits of Social Media
Social media can help firms and advisors gain
competitive advantage and drive business
through improved communication and customer
engagement. Key advantages of a social media
presence include:
• Brand-building: By posting financial tips and
differentiated content in the form of videos,
debates and discussions that address the
needs of various customer segments, firms
can improve visibility and build credibility
among customers.
• Improve business: Through relevant content
and timely advice on social media, advisors can
turn followers into clients and build a strong
network of brand advocates who will refer
others. A strong social media profile, backed
by relevant content, can help advisors build
an online reputation and gain referral leads.
For example, social media allows advisors to
track birthdays, weddings, etc. and provide
relevant financial advice to customers during
scheduled meetings.
• Enhance customer relationships: Social
media chatter can help firms understand their
clients’ needs and desires. This information
can be used to develop customized strategies
to serve clients better. Further, by engaging
clients in a meaningful way and educating
them about current trends and investment
opportunities, firms and advisors can build
long-term relationships.
• Preserve reputation: Bad news and innuendo
spread like wildfire in the social media world.

4. cognizant reports 4
Quick Take
The Origins of Wealth Management Firms’ Relationship with Social Media
Morgan Stanley Smith Barney was the first major wealth management firm to enter the social media
arena. In response to demand from clients and advisors, the firm commenced a pilot in mid-2011 with
600 advisors using LinkedIn and Twitter to post content taken from a library of approved, pre-written
posts, in order to adhere to regulations. It used third-party software to send content to managers for
approval, send pre-approved content to clients, archive content, etc.12
The results were mind-bending: Some 40% of the advisors who used social media daily won new clients.
As a result, the firm expanded social media access to all 17,000 advisors in the next year.13
Other wealth
management firms, such as Bank of America Merrill Lynch and Wells Fargo, took Morgan Stanley’s cue
and allowed advisors to apply social media techniques with corporate Twitter feeds and Facebook pages.
The adoption gradually increased across all business types (wirehouse firms, RIAs, etc.), as indicated by
separate surveys of 1,400 advisors in September 2011 and March 2012 (see Figure 1).
Growth in Social Media Adoption
Figure 1
Source: Wealthmanagement.com, 2012
Percentusingsocialmedia
43.8 45.0
51.5
62.2 65
31.0
48.1
53.2
63.3
67.0 68.2
34.7
0
20
40
60
80
Wirehouse or
national firm
Regional firm IBD RIA Insurance Bank/
brokerage
Sept. ‘11 March ‘12
Top Social Media Platforms for Business and Personal Use
Figure 2
Base: 301
Note: 10% of respondents reported no use of social media.
Source: American Century Investments, April 2013
Business use only Personal use only Both business and personal use
Facebook
LinkedIn
Twitter
YouTube
Google+
Instagram
PhotoShare
Blogs
MySpace
RSS
Podcast
Communities
Geolocation
Social
bookmarking
Other
Percentofrespondents
0
10
20
30
40
50
60
70
80
2
33
3 1 2 1 1 1
55
12
21 20
14 11 8 3 3 3 5 1 2 1 2
17
22
10
2
5
1 4 4 1 2 1

5. cognizant reports 5
Social media usage among financial professionals continues to grow, according to a study of
301 advisors by American Investments. Of the respondents, 90% had a social media profile or account.
LinkedIn, Facebook and Twitter have emerged as the major platforms, with LinkedIn being the preferred
medium for business (see Figure 2, previous page).
Today, social media is being used primarily for networking with other professionals, prospecting for
clients and broadcasting industry updates (see Figure 3). It is, therefore, not surprising that most
advisors use LinkedIn for business.
To deal with prospective clients’ preference for seeking peer advice obtained on social media, firms
such as Ameriprise allow socially-minded customers to find new advisors on its Web site and check into
whether any of their LinkedIn network members already know listed advisors.14
Firms now allow their
advisors to connect to prospective customers and share research and other insights about investment
and financial planning via social media. A Morgan Stanley advisor who did just that generated about
$10 million worth of business in 18 months via leads surfaced by LinkedIn. In some cases, independent
advisors have gained millions of dollars in business through their online presence, and some advisors
boast that half of their business comes from social media.15
As regulations ease further, and more advisors learn to successfully use social media, content and
customer experience will be the key differentiators.
Reasons For Using Social Media
Figure 3
Base : 1,428 in 2012 and 1,579 in 2011
Source: Wealth Management.com, July 2012
20122011
Do not use social media for business purposes
Other
Client management
Client presentation
Keeping up to date on news about my own firm
Offering market insight
Obtaining recommendations or advice regarding
my practice or new business opportunities
Sharing news with contacts
Keeping up to date on industry news
Marketing
Generally staying in contact with clients
Client prospecting
Networking with other professionals
Researching new/current clients
49
2
5
2
9
6
13
24
14
15
20
19
35
43
1
4
2
8
8
4
5
15
20
20
17
26
21
43
0 10 20 30 40 50 60
Percent of respondents

6. cognizant reports 6
Content
Wealth management firms and financial advisors
should create a social media presence that is
consistent with their other customer touchpoints
in terms of communication content, branding
and appearance. Merely setting up a passive
profile on several social networks is not enough
(see sidebar, next page). Firms must plot out a
theme for shared content and then publish a
steady stream of relevant in-house material and
external materials that may be of interest to
customers. Too little content results in disen-
gaged users, while too much irrelevant content
and marketing material will likely be tuned out
by the target audience. Firms may also consider
targeted content based on client segments to
improve relevance.
Firms tend to falter when they follow a “me-
too” strategy or join social media just because
their competitors have social media accounts.
Content differentiation is essential to standing
out among the many advisors promoting similar
products and benefits; firms should begin
providing unique content as soon as they create a
social media profile.
It is also important to share content across
numerous branded platforms in order to improve
visibility. For instance, firms
can create a series of videos
on new investment oppor-
tunities, tax planning, regu-
lations, etc. and share them
on YouTube, Facebook,
Twitter and blogs. Interest-
ing posts that are shared
or retweeted by celebri-
ties and famous athletes
will also improve a firm’s
visibility and perceived
value proposition. By observing other platforms
where similar discussions take place, firms can
comment or share video links to reach out to
more social media users.
Social media is not just about posting serious
financial content. For example, Atlanta-based
Balentine provides a peek into its advisors’ fam-
ily life. The firm’s Facebook page looks more like
an individual’s personal page, with posts about
employee family outings, book recommendations
and participation in major business and com-
munity events, in addition to general investment
advice and company achievements.17
By using social media monitoring tools, firms
can receive real-time updates about conver-
sations that include mention of their brand
across Twitter, Facebook, YouTube, blogs and
discussion forums, enabling them to respond
quickly to rumors and alleviate client concerns.
For instance, the U.S. Federal Emergency
Management Agency (FEMA) used Twitter
to announce the launch of a “rumor control”
section on its Web site to counter the
misinformation on its relief efforts following
Hurricane Sandy.16
Addressing the ‘5 Cs’
Although many firms have created profiles
on popular social networks to stay current
with clients, prospects and the competition, an
online presence alone is not enough. In our view,
firms need a holistic strategy to exploit social
media’s full potential. We recommend that firms
build such a strategy around five critical success
factors, or the 5 Cs, as we call them.
Customer Insight
Conversations on social media can help illuminate
customer needs, including community chatter
and customer reaction to the firm’s advice and
predictions, participation in a social event, etc.
For instance, if an advisor’s tweet or Facebook
post on early retirement planning attracts notice-
able customer reaction, the responses can
be used to segment customers based on age,
geography and life stage and devise customized
strategies for each target segment. This can help
with targeted messaging, which increases the
efficacy of social media messages.
Focusing on the firm’s clients and the nature of
their involvement in social media can uncover
how and where to network with these clients
and their peers. The firm’s client database
contains information on client age, profession,
education, wealth segment, life stage, etc., and
this information can be augmented with social
media intelligence solutions to build rich market
knowledge. An effective social CRM solution —
which integrates social media and CRM systems
— draws upon the huge volumes of social media
content in real-time, removes noise and provides
meaningful insights into customer opinion and
preferences, the competition, trends, etc. The
information can be used to hone content strategy,
customize campaigns, develop new products and
provide inputs to drive dialog, both online and
offline.
By observing other
platforms where
similar discussions
take place, firms
can comment or
share video links to
reach out to more
social media users.

7. cognizant reports 7
Conversation
The true power of social media is revealed by
its ability to facilitate dialog. Financial advi-
sors and marketing/sales personnel must be
equipped with information, curated talking points
and technology readiness in order to engage in
online exchanges, respond to address queries
and resolve complaints. For instance, advisors
can expand their LinkedIn networks to connect
with future prospects, contribute to discussions
on Facebook communities and Twitter, respond to
blog comments or broadcast articles relevant to
ongoing conversations and market concerns.
To engage customers
effectively, advisors can
stir up debates online and
seek opinions on their
investment philosophy
and various other topics.
Since not all customers
are active on social media,
firms must also educate
uninitiated customers
about the relevance of
social media and how they
can benefit by following the firm’s updates on
Facebook, Twitter, etc. Firms and advisors must
also be ready to respond to criticism from cus-
tomers. Instead of ignoring or deleting negative
posts and tweets, firms must try to address them
quickly and appropriately.
Social media also connects advisors to profes-
sional networks of industry peers. Advisors can
benefit from peer discussions on industry trends,
interpretation of new regulations, products,
software usage and market insights. Large firms
may also consider setting up closed communities
to provide in-house advisors with a professional
network.
Channel Integration
In today’s omni-channel world, it has become
essential to preserve the context of an online
conversation for interactions in other channels. A
seamless information flow between social media
and other customer touchpoints helps enrich
the firm’s 360-degree view of the customer and
ensure a superior customer experience. Social
media offers the unique potential of providing
advisors with the first glimpse of any changes
Quick Take
Using Social Media Successfully
To maximize social media’s growing influence, wealth management firms should first consider the
following:
• Use social media every day. The best times are before 9:00 AM, later in the evening and over the
weekend.
• Spend at least one hour per day on social media to listen, schedule content and see who is following.
• Maximize use of pre-designed and pre-approved original content to remain consistent with branding
guidelines and in compliance with industry regulations.
• Avoid disseminating false or inaccurate information to clients. Share third-party content only from
trusted and reputed sources.
• Share ideas, quotes, hobbies and other nonfinancial content, in addition to serious financial commentary.
• Respond to client/follower queries as soon as possible and provide hyperlinks to more information
(such as the firm’s Web site and blog or trusted third-party resources).
• Build relationships with new followers by exchanging e-mails (avoid using auto-responders) or
meeting them personally to understand their requirements.
• Gather as much information as possible about clients and their connections. Join groups in which
target clients are active.
• Use multiple platforms to reach as many people as possible and retain them if they migrate to new
services.
• Slowly but surely get all clients on-board (including new clients that come along with new advisors)
to drive referral business.
To engage customers
effectively,
advisors can stir
up debates online
and seek opinions
on their investment
philosophy and
various other topics.

8. cognizant reports 8
affecting their clients — job movements, life
stage transitions, indications of upcoming finan-
cial responsibilities (a new home or children’s
education, for example). By updating this type
of information in real-time in their CRM systems,
firms can vastly improve engagement during
face-to-face conversations. Similarly, a customer
query, request for service or complaint must be
updated in the firm’s central systems so that
the context is not lost as the customer switches
among touchpoints.
Compliance and Risk Management
Although regulations surrounding social media
have been softened to some degree, compliance
still poses certain challenges. Regulations around
the use of social media by financial companies
are continuously evolving. Advisors need to stay
current with changing regulations, as well as the
correct and compliant usage of social media plat-
forms that undergo frequent feature updates.
For example, advisors are currently required to
ensure that endorsements of their skills do not
appear on their LinkedIn profiles, and they need
to be aware that the “retweet” feature on Twitter
and the “like” feature on Facebook may be mis-
construed as recommendations, subjecting them
and the firm to regulatory scrutiny.
Therefore, firms must design a comprehensive
social media policy, train employees and record
and monitor all social media content that they
originate, and keep abreast of regulatory changes
to avoid noncompliance. They need to keep guide-
lines current and put in place robust workflow
processes and systems with quick approval cycles
that enable advisors to respond to online dialog
as intuitively as possible, while staying on the
right side of regulatory norms.
Social risk and reputation management tools are
essential for picking up on early-warning signs
and defusing potential
crises before they occur.
These systems monitor
employee activities on
internal and external social
media systems and moni-
tor online discussions and
content, flagging potential
compliance violations and
reputation risks.
Advisors can use their
personal Twitter and Face-
book accounts for business, as well. However,
they must avoid marketing and selling products,
and instead use social media to build their net-
works to gain referrals and share information.
Moving Forward
Early movers that have realized the benefits of
incorporating social media into their marketing
strategies will try to extract additional returns
by moving social to the core of their market
outreach initiatives. Given its current trajectory,
social media will become a primary channel to
meet and convert prospects into customers,
interact with and engage customers, and gener-
ate new business opportunities with consistency,
while remaining compliant with regulations.
Further, social media will likely become the first
platform choice for quickly responding to rumors
and alleviating investor concerns.
Firms that have begun their social media jour-
neys should quickly devise appropriate strategies
and provide advisors with the necessary ammuni-
tion to improve their digital presence and drive
business. Firms that are still sitting on the fence
need to move forward or risk becoming irrelevant
to new-age customers.
Social risk and
reputation
management tools
are essential for
picking up on
early-warning
signs and defusing
potential crises
before they occur.
Footnotes
1
Generation X refers to people born during 1965–80.
2
Millennials are the population who are currently between 15 and 35 years of age, have grown up online
and will soon be the majority of employees and customers.
3
Tracy Alloway, “Morgan Stanley Green Light For Twitter,” Financial Times, June 24, 2012, http://www.
ft.com/cms/s/0/2c6b0008-be00-11e1-9abf-00144feabdc0.html#axzz2SatiD6GA.
4
Silent Generation refers to people born during 1928-45, a period marked by the Great Depression and
World War II.

9. cognizant reports 9
5
April Rudin, “Tearing Down the Great Wall,” Wealthmanagement.com, March 6, 2013, http://
wealthmanagement.com/practice-management/tearing-down-great-wall.
6
The study involved 600 customers with at least $100,000 in investable assets, classified into the
following categories: “mass affluent” ($100,000 to less than $1 million), “affluent” ($1 million to less
than $5 million) and “ultra–affluent” (greater than $5 million).
7
Chris Savio and Jake Raroque, “Social Media's Growing Influence Among High Net Worth Investors,”
LinkedIn and Cogent Research, May 2012, http://marketing.linkedin.com/sites/default/files/pdfs/Linke-
dIn_HNWInvestorResearch_2012.pdf.
8
“Cogent Research: Now Trending — Social Media Fuels Investor Decision Making,” BusinessWire,
Feb. 22, 2013, http://www.businesswire.com/news/home/20130222005037/en.
9
“Filing Requirements for Certain Electronic Communications,” SEC, March 2013, http://www.sec.
gov/divisions/investment/guidance/im-guidance-update-filing-requirements-for-certain-electronic-
communications.pdf.
10
Amy McIlwain, “SEC’s 5 Things Not to Tell FINRA About Social Media Use,” AdvisorOne, April 11, 2013,
http://www.advisorone.com/2013/04/11/sec-5-things-not-to-tell-finra-about-social-media?ref=hp.
11
“Investment Adviser Use of Social Media,” Securities and Exchange Commission, Jan. 4, 2012,
http://www.sec.gov/about/offices/ocie/riskalert-socialmedia.pdf.
12
April Debomsky, “Morgan Stanley to Let Advisers Use Social Media,” Financial Times, May 26, 2011,
http://www.ft.com/cms/s/0/d36bc49e-8721-11e0-b983-00144feabdc0.html#axzz2P5y8RV8o.
13
Lorie Konish, “Morgan Stanley Expands Social Media Roll Out,” OnWallStreet, June 27, 2012,
http://www.onwallstreet.com/news/morgan-stanley-expands-social-media-roll-out-2679589-1.html.
14
Srini Venkateswaran and Kunal Vaed, “The Future Of Wealth Management Services,”
Financial Times, Jan. 28, 2013, http://www.ft.com/cms/s/0/cd144564-6986-11e2-8d07-00144feab49a.
html#axzz2PIFibMlX.
15
Marie Swift, “Finding Your Social Media Groove,” Financial Planning, May 7, 2012, http://www.financial-
planning.com/blogs/marketing-maven-marie-swift-social-media-advice-advisors-2678785-1.html?zkPr
intable=1&nopagination=1.
16
John Ribeiro, “FEMA Sets Up 'Rumor Control' Site to Counter Online Misinformation,” Computerworld,
Nov. 5, 2012, http://www.computerworld.com/s/article/9233240/FEMA_sets_up_rumor_control_site_
to_counter_online_misinformation.
17
Thomas Coyle, “Firm Takes Unusually Bold Approach to Social Media,” The Wall Street Journal,
June 26, 2012, http://blogs.wsj.com/wealth-manager/2012/06/26/firm-takes-unusually-bold-approach-
to-social-media/.
References
• “Wealth Management Industry Wary Over Year Ahead,” Reuters, Jan. 11, 2013, http://www.reuters.
com/article/2013/01/11/us-wealth-outlook-idUSBRE90A14A20130111.
• “Private Pursuits,” The Economist, May 2012, http://www.economist.com/node/21554745.
• Andrea Hopkins, “Canadian Advisors See Gains, Pitfalls in Social Media,” Reuters, March 25, 2013,
http://www.reuters.com/article/2013/03/25/us-wealth-socialmedia-idUSBRE92O0WJ20130325.
• Vanessa Kortekaas and Lucy Warwick-Ching, “Wealth Managers Sign Up to Social Media,” Financial
Times, March 29, 2013, http://www.ft.com/intl/cms/s/0/09fadc9c-8d75-11e2-a0fd-00144feabdc0.
html#axzz2W0hid0HY.

10. About Cognizant
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• “Financial Professionals Social Media Adoption Study,” American Century Investments, First
Quarter 2013, https://www.americancentury.com/pdf/Financial_Professionals_Social_Media_
Adoption_Study_2013.pdf.
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North Highland Financial Services Blog, March 20, 2013, http://financialservicesblog.northhighland.
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• Christopher Ricciuti, “5 Social Media Compliance Takeaways from the 2012 FINRA Advertising
Regulations Conference,” eDynamics, Nov. 21, 2012, http://product.edynamicsllc.com/blog/
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Credits
Author
Vinaya Kumar Mylavarapu, Senior Research Associate, Cognizant Research Center
Subject Matter Experts
Dheeraj Toshniwal, Senior Manager, Consulting, Cognizant Banking and Financial Services
Rajas Raut, Senior Manager, Cognizant Social
Siddhi Chanchani, Senior Consultant, Cognizant Banking and Financial Services
Design
Harleen Bhatia, Design Team Lead
Suresh Sambandhan, Designer