Oliwia   Berdak

Oliwia Berdak

Senior Analyst Serving eBusiness & Channel Strategy Professionals

Oliwia is a Senior Analyst serving eBusiness & Channel Strategy Professionals within the European consumer financial services sector. Her research focuses on the digital transformation of banking, insurance, and wealth management, mapping out digital strategies, adoption trends, and best practices. She helps clients understand how technology is changing consumers' expectations of financial services and what obstacles and opportunities this offers to businesses.

Previous Work Experience

Prior to joining Forrester, Oliwia held a number of research positions in both business and academia, working with a variety of methodologies to deliver insight. As a postdoctoral research fellow at the University of Edinburgh, she collaborated on a large research project investigating Europe's changing citizenship regulation. She produced an overview of the regulatory environment and conducted interviews with key stakeholders in Bosnia and Herzegovina, Croatia, and Serbia. Oliwia also worked for six years as a freelance analyst for Euromonitor International, drawing on national laws, macroeconomic data, and statistics to analyze the latest economic, social, and political developments in Europe and explain their significance to businesses.

Oliwia is a Polish national with extensive international experience. She has lived in six countries and is fluent in four languages (Polish, English, German, and Bosnian/Croatian/Serbian), as well as having limited working proficiency in Dutch. She has a keen understanding of how different national contexts influence consumers and businesses.

Education

Oliwia earned a Ph.D. and an M.A. (with distinction) in politics from University College London and a B.A. in European studies from the University of Maastricht. Her doctoral research focused on Southeast European politics and included extensive fieldwork in Croatia.

Oliwia Berdak

Senior Analyst Serving eBusiness & Channel Strategy Professionals

Oliwia is a Senior Analyst serving eBusiness & Channel Strategy Professionals within the European consumer financial services sector. Her research focuses on the digital transformation of banking, insurance, and wealth management, mapping out digital strategies, adoption trends, and best practices. She helps clients understand how technology is changing consumers' expectations of financial services and what obstacles and opportunities this offers to businesses.

Previous Work Experience

Prior to joining Forrester, Oliwia held a number of research positions in both business and academia, working with a variety of methodologies to deliver insight. As a postdoctoral research fellow at the University of Edinburgh, she collaborated on a large research project investigating Europe's changing citizenship regulation. She produced an overview of the regulatory environment and conducted interviews with key stakeholders in Bosnia and Herzegovina, Croatia, and Serbia. Oliwia also worked for six years as a freelance analyst for Euromonitor International, drawing on national laws, macroeconomic data, and statistics to analyze the latest economic, social, and political developments in Europe and explain their significance to businesses.

Oliwia is a Polish national with extensive international experience. She has lived in six countries and is fluent in four languages (Polish, English, German, and Bosnian/Croatian/Serbian), as well as having limited working proficiency in Dutch. She has a keen understanding of how different national contexts influence consumers and businesses.

Education

Oliwia earned a Ph.D. and an M.A. (with distinction) in politics from University College London and a B.A. in European studies from the University of Maastricht. Her doctoral research focused on Southeast European politics and included extensive fieldwork in Croatia.

Oliwia Berdak's Research

Most RecentMost Popular
  • For Customer Experience Professionals

    REPORT: Case Study: Lloyds Banking Group's Journey-Focused Digital Transformation

    How A Journey-Led Approach Led To Delivering Higher Customer Value

    May 30, 2017 Joana van den Brink-Quintanilha, Oliwia Berdak

    In 2014, Lloyds Banking Group (LBG), one of the UK's leading financial services firms, embarked on a three-year digital business transformation to go beyond digital experience enhancements and deliver greater customer value. In this case study, we examine how LBG, with a £502 million budget and a focus on overhauling 10 key customer journeys, changed how it's organized to rapidly adapt and respond to future customer needs and delivered savings and revenue increases to the tune of £500 million.

  • For eBusiness & Channel Strategy Professionals

    REPORT: Disrupting Finance: P2P Lending

    P2P Lending Platforms Will Continue To Disintermediate Banks

    May 3, 2017Oliwia Berdak

    Peer-to-peer (P2P) lending is the practice of lending money to unknown individuals or businesses without a bank or other traditional financial institution underwriting the loan. Platforms like Funding Circle, Lending Club, Prosper, and Zopa have generated more than $40.9 billion in loans since 2005. Without banks' legacy issues and regulatory burdens, P2P loans are often cheaper and easier to obtain. eBusiness executives will learn who the main players in P2P lending are, assess their disruptive potential, and understand how to outsmart them. This report was originally published in May 2014; Forrester reviews and updates it periodically for continued relevance and accuracy, most recently in May 2017.

  • For eBusiness & Channel Strategy Professionals

    REPORT: The Digital Insurance Imperative

    Vision: The Digital Insurance Strategy Playbook

    April 26, 2017 Ellen Carney, Oliwia Berdak

    Digital technologies will change the insurance industry irrevocably over the coming decade. New entrants will disrupt the value chain. Vertically integrated firms will be too slow to adapt. Firms that fail to change will find their very existence under threat. Digital insurance strategy leaders must reinvent their companies to become fundamentally digital, from underwriting through to claims settlement. Insurers will differentiate based on core competencies around rapid product development, intense personalization, the ability to drive volume through distribution, and back-office operational efficiency.

  • For eBusiness & Channel Strategy Professionals

    REPORT: Disrupting Finance: Crowdfunding

    Crowdfunding Provides A Viable Alternative Source Of Funding

    April 19, 2017Oliwia Berdak

    Crowdfunding — which is essentially online fundraising — has grown exponentially over the past few years. Hundreds of crowdfunding sites like Crowdcube, GoFundMe, and Kickstarter match people in need of capital for ideas, businesses, and causes with investors who want to support them. Retail banks and venture capital firms are at risk as entrepreneurs and small businesses bypass them to raise capital through crowdfunding. In this report, we outline the main players of crowdfunding, where they pose a threat, and how financial firms should respond.

  • For eBusiness & Channel Strategy Professionals

    REPORT: Case Study: Lloyds Banking Group Transforms Through 10 Customer Journeys

    Embrace Digital Business Transformation That Delivers Customer Value And A New Operating Model

    March 16, 2017Oliwia Berdak, Joana van den Brink-Quintanilha

    In 2014, Lloyds Banking Group, one of the UK's leading financial services firms, embarked on a three-year digital business transformation with a £502 million budget. The transformation has gone beyond digital experience enhancements to reach the goal of becoming the best bank for customers. Digital leaders, read this report to learn how the group is overhauling 10 key customer journeys, establishing a new operating model to rapidly adapt and respond to future customer needs, and delivering savings and revenue increases to the tune of £500 million over three years.

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