Best Buy Business Case Outline

Best Buy Business Case Outline
I. Best Buy:Executive Summary a. Short review and history
Best Buy Co. is a multinational retailor of consumer electronics, home office products, entertainment software, appliances, and related services. The
company recorded revenues of $50,272 million FY2011, an increase of 1.2% over FY2010. With the 5.4% decrease in operating profit, 3% decrease in
net profit, and subsequently the decrease in net earnings, Best Buy's founder and chairman decided something needed to be done. Dick Schulze
announced that he wanted to take the chain private with an offer of $24 to $26 per share. With this task, challenges ensue, and our team has provided
the following recommendations for a strategy overhaul in Best Buy's operations. b. ... Show more content on Helpwriting.net ...
Due to these decreases, the company did not meet net income expectations and instead income took a nosedive. The company's gross margin will be
impacted greatly if it continues to reduce these product prices. These price reductions may render the company a "cheap" retailer to consumers as well.
Dependence on few suppliers
Best Buy depends on a relatively low number of suppliers. Its largest suppliers account for over 60% of its purchases. The dependence on these few
retailers alternately results in a loss if suppliers fail to source the demands of the customers. xv. Opportunities
Online Strategies
Unfortunately, due to the rise of Internet usage, many of Best Buy's customers have turned to online retailers for their consumer electronic needs (i.e.
Amazon). A study by ClickIQ revealed that 29% of respondents to a smartphone research survey looked at product in stores before purchasing online.
With Best Buy opening many new mobile stores, they should prepare accordingly with online accompaniments to these stores with the opportunity of
the Internet. The increase in digital content will in turn provide top–line growth for Best Buy.
Higher penetration of private labels
With the slump of consumer confidence, as discussed in threats, a high penetration in private labels can potentially increase margins, as they are priced
much lower. By introducing exclusive private label electronic lines to Best Buy's offerings, they can develop
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Essay on E-commerce
As more and more businesses look for ways to secure electronic marketing online, there is a greater need for E–commerce. Whatis.com defines
E–commerce (EC) as the "buying and selling of goods and services on the Internet. As more and more companies accept the challenge of E–commerce,
e–business security and security software is becoming a factor that corporations need to meet. We will discuss what E–commerce is and how it is used
and the advantages and disadvantages. Security systems for EC have four categories that include: Authentication: Verifies who you say you are. It
enforces that you are the only one allowed to logon to your internet banking account; Authorization: Allows only you to manipulate your resources in
specific ... Show more content on Helpwriting.net ...
EC systems are also used for the service industries. For example, online banking and brokerage services allow customers to retrieve bank statements
online, transfer funds, pay credit card bills, apply for and receive approval for a new mortgage, buy and sell securities, and get financial guidance and
information (Khusial, & McKegney, 2005). 3dCart is software that can be used for EC. The 3dCart has over 100 features to help any business grow.
Some of the features are: 24/7 free technical support, easy to use Web Administration, online support, forums, tutorials, knowledgebase and videos,
inventory control, real time shipping (UPS, FEDEX), secure PCI compliant hosting; existing website migration, Google checkout; PayPal payment, and
many other features. E–commerce is the host for 3dCart and has a 99.9% uptime. 3dCart is hosted at the largest datacenters around the United States
including: RackSpace, SoftLayer, ThePlanet, Peer1, and LiquidWeb. The servers are continuously monitored, every 60 seconds, to make sure if a
problem occurs, the technicians are able to quickly solve it by working with the datacenters. There are many EC corporations online accommodating
thousands of consumer daily. Some major corporations are Wal–Mart, J.C. Penny, Staples, Amazon, Best Buy and many others. These companies use
portals like, Yahoo, AOL, Google, and PayPal. These companies accommodate consumers that

Technology Today Essay
Technology Today
Technology has always had a significant impact on the way we communicate and socialise. Today's technologies have, in many cases, become so
integrated within our daily lives, that they play a part in constructing our existence and understanding of reality. The Internet is one such piece of
technology that influences our perceptions of our self and our surroundings. This essay will aim to explore the social implications of experimentation
with identities online, as well as evaluating the ways in which new technologies may continue to shape this issue in the future.
The self and self–identity is a continually changing entity, which is constantly being reconstructed throughout a person's life. (Slevin, 2000) ... Show
more content on Helpwriting.net ...
Gergen's theory of social saturation is also relevant to today's use of Internet communications in relation to construction of identity. Gergen says that
media and technology offers individuals with a large network of relationships with different people, which often results in self–multiplication. (Gergen,
1991, as cited in Surratt, 2001) The dissolution of the restrictions of space and time in Internet communication further gives the individual opportunities
to recreate themselves in different manners. (Gergen, 1991, as cited in Surrat, 2001) This capability is supported through IRC technology such as
MSN or ICQ, through which it is possible to conduct several conversations at once and hence, have several identities.
Thus, people who experiment with identity online do so for a variety of reasons– anonymity, escapism and experimentation to name but a few. In
today's society, the line between actual self and a self that exists in cyberspace is deteriorating, as the Internet and its various methods of
communication become more integrated in our daily lives. In order to understand the impact that Internet communication technologies will have in the
future, it is important to consider the positive and negative social implications of the notion of online identity construction.
The main positive attribute associated with anonymity and free identity online is lack of prejudice, which creates a more democratic and egalitarian
experience for users. (Gurak,

Amazon: Online Shopping and Amazon.com
BINS 7250–01
Strategic Management of Information Systems and Technology
Fall 2014
CASE ANALYSIS INSTRUCTIONS– AMAZON.COM: BRINK OF BANKRUPTCY
(Points: 100)
Due: Sunday, September 17, 2014 before 6:00 p.m.
Write a 1–page, single–space, 10–point font case analysis on the Amazon Case making sure to address the following questions:
1. On a scale of "1" (Very Poor) to "5" (Excellent), how would you rate Jeff Bezos as an entrepreneur? How would you rate him as an IT manager?
2. Trace the evolution of the Amazon.com business from the company's launch in 1995 to the dot–com collapse in 2000. How did the company's
strategy change over time? How did capabilities evolve? What value did the company deliver to all stakeholders? 3. Do you ... Show more content on
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The company also created a barrier to entry by being the first large online bookseller.
Since its incorporation in 1994, Amazon's business model had expanded from offering a simple internet marketplace for books to providing web
services to online retailers, storage solutions and a dramatically expanded product line. Nevertheless, despite massive sales the company failed to
produce a profit for shareholders and Amazon was on the brink of bankruptcy at the beginning of 2001. If I were a shareholder who received the
company's 2000 annual report, I would have strongly agreed with CEO Jeff Bezos that the company must achieve profitability by year–end 2001. I
would recommend that the company accomplish this by cutting costs related to fulfillment and inventory and by increasing revenue by capitalizing on
the previous year's investments in infrastructure.
While many expenditures in 2000 were related to Amazon's efforts to implement its strategy for growth, operating costs had also increased. Amazon's
fulfillment costs were 11 11% of sales in 1997 and 1998, increased to 14

14% in 1999. Because e–Commerce was still new and just beginning to establish customer trust, it's critical that these costs be reduced without
negatively impacting quality, speed of delivery or customer service. Because of Amazon's large scale and repeatable processes, I would recommend a
continuous improvement strategy such

Internet Gambling Essay
Abstract: Internet gambling has become one of the hottest areas of the web, both in the sheer volume of sites and quantity of money involved.
Increasing controversy is accompanying this new industry, as federal and state government officials scramble to update legislation that restricts
interstate wagering. This paper examines the roots of Internet gambling and exposes some of the motivations driving the heated debate over its
legitimacy.
The business–to–consumer sector of the Internet commerce arena contains the most lucrative and fastest growing web–based industry: online
gambling, which includes sports wagering, casino–style games and lotteries [1]. In a September 11th article from last year, Wired on–line reported ...
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After a Senate Judiciary Committee endorsed the bill 16–1[4], the measure moved to the House for consideration in July 2000, where representatives
currently deliberate on its merits [8].
Representative James Leach of Iowa then proposed the Internet Gambling Funding Prohibition Act, which has also failed to become ratified. Introduced
shortly after Kyl brought the of the Internet Gambling Prohibition Act to the House, the bill had a two–fold purpose: first, to prohibit online gambling
companies from knowingly accepting wagers placed on credit; and second, to absolve unknowing "financial intermediaries" [i.e., credit card
companies] of legal and monetary responsibility when gamblers use their services for credit transactions [9]. The motivation for the legislation may
have come from the bizarre 1998 lawsuit filed in Marin County, CA by Cynthia Haines, who lost $70,000 dollars through Internet wagers

Tesco Marketing Strategy
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Tesco international Business strategy
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Tesco 's Globalization Strategies and its Success in South Korea
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http://www.icmrindia.org/casestudies/catalogue/Business%20Strategy/Tesco
%20Globalization%20Strategies%20and%20its%20Success%20in%20South%20Korea.htm
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Abstract The case focuses on the UK based Tesco 's globalization strategies and its successful foray into the South Korean market. One of the largest
retailers in the world, Tesco 's initial experiences with globalization was not successful. However, subsequently Tesco started... Show more content on
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According to Na Hong Seok, analyst with Good Morning Shinhan Securities, Seoul, "In contrast to Wal–Mart, the British retailer Tesco is a remarkable
case of succeeding in localizing."9
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Background Note Tesco was founded in 1919 by Jack Cohen (Cohen), who invested his serviceman 's gratuity of ВЈ30 in a grocery stall. The first
private label product introduced by Cohen was Tesco Tea. The name Tesco was a combination of the initials of the tea supplier TE Stockwell, and the
first two letters of Cohen 's name.
Tesco opened its first store in 1929 in Edgware, London. In 1947, Tesco Stores (Holdings) Limited was floated on the Stock Exchange with a share
price of 25 pence and the first supermarket10 was opened in 1956 in Maldon, Essex. The first superstore11 was opened in 1968 in Crawley, West
Sussex. In the 1960s, Tesco went on an expansion spree and acquired several store chains.| |
The Retail Price Maintenance (RPM) Act12 in Britain prohibited large retailers from pricing goods below a price agreed upon by the suppliers. To
overcome this obstacle to price reduction, Tesco introduced trading stamps. These were given to customers when they purchased products and could
be traded for cash or other gifts. RPM was abolished in 1964, and from then on, Tesco was able to offer competitively priced products to its customers
in a direct manner. The first Tesco superstore, with an area of 90,000

Media Self Esteem
At times, it can be hurtful when we do not get that attention that our friends get on social media as this makes us feel as if we are nothing in this
world. Michelle Linker can be equated with approval or self–esteem as she was a daily user of Instagram. She told her guardian that she feels anxiety
over the likes she got after she posted her pictures on his Instagram page. She said that she got only two likes and she would ask herself what was
really wrong with her. This greatly influenced her and lowered her self–esteem because she felt low and considered herself as a child of a "lesser God"
compared to her followers. In reality, when we all post something such as pictures of our own and don't get a lot of likes, we always feel rejected
which ultimately causes our self–esteem to take a hit. This will always affect our mind as a lot of question will ring each moment why we can be
rejected. When we get likes on our pages of Instagram or Facebook, the reward system in the brain is activated, and thus releases dopamine, which
causes individuals to associate likes with the same pleasure we may get or feel from taking narcotics or any other drug that when you take, you feel
well (Lin et al. 326).
Each moment we spend on social media sites such as Facebook and compare ourselves to others, the more our self–esteem lowers and the more we
also get depressed. The worst part is that we forget to take into account that a lot of what we see, particularly from celebrities and brands, is

History of the company Amazon.com
History of the company
Amazon.com is an American multinational electronic commerce company with headquarters in Seattle, Washington, United States. It is the world 's
largest online retailer. Amazon.com started as an online bookstore, but soon diversified, selling DVDs, CDs, MP3 downloads, software, video games,
electronics, apparel, furniture, food, toys, and jewelry. The company also produces consumer electronics–notably the Amazon Kindle–book reader and
the Kindle Fire tablet computer–and is a major provider of cloud computing services. Jeff Bezos started the company in his garage. He started out by
selling just books, but now they sell just about anything.
The Mission and Vision Statement of Amazon.com:
Amazon.com has had a ... Show more content on Helpwriting.net ...
In 2002 Amazon launched a web services platform. Perhaps it was risky for a young company that had only reached profitability in that same year to
invest its innovation resources in new business models rather than stick to its core, but within five years the site used by Amazon 's web–services
platform had grown into the seventh–largest in the world. And Amazon kept going. In late 2007, it set up Lab126, whose first product, the Kindle
e–book reader, came to market wrapped in a business model not only foreign to Amazon 's DNA but also potentially disruptive to the entire publishing
industry. To launch this high–margin, product–based offering, Amazon had to become an original equipment manufacturer (OEM). It wrapped this
technology in a seamlessly integrated iTunes–type digital media platform that combined both transaction– and subscription–based content delivery. It
partnered with content producers in innovative ways and created an open back–end that allowed independent publishers to generate new content for the
Kindle. In its first year, Amazon sold an estimated 500,000 Kindle. Amazon has greatly expanded the market for e–books and positioned itself for
success not only in this market but in newspaper and periodical distribution as well. Amazon at its roots is built to transform. When it finds
opportunities to serve new customers, or existing customers in new ways, it conceives and builds new business models to exploit them. Amazon has

Tesco Manuscript Essay
Tesco Speech
Thank you, please be seated, it is an honor for me to speak here for you today at the London School of Economics. As you may know my name is
Tom Johnson and I am the PR assistant for Tesco, which is one of the largest retailers in the world, and that title have some expectations committed to it.
I am here today to give a speech for you about Tesco's current situation, and how we plan to deal with it, as one of the largest retailers. With the
changing consumer behavior in kept in mind.
If you come up with any questions during the show, you will have to remember them till the end, where I will be answering all your answers. Our last
twelve–month have not been pretty, especially not on the bottom line. The past... Show more content on Helpwriting.net ...
When the costumers use their club cards we get all sorts of data. So we know if we have to store more of one particular item, or give it more or less
space on the shelves. This is of cause totally anonymous. For only one reason: to personalize the experience at Tesco.
The Asian department has done outstanding we have had huge success in Thailand and in China with serving fresh fish. Something we do not focus as
much on in the European stores.
We are also very proud of staff especially in Thailand, during the flooding the staff provided the victims of the flooding with good and fresh food, an
outstanding performance.
The focus of our new initiatives will only be domestic, so we do not have a lot on our plate. We need to focus on our quality, together with our new
warmer look and feel. Make it feel like the local grocer, with freshly baked bread and fresh vegetables. We have also give our own "everyday value"
products a whole new more appealing design, that indicates quality.
Clicks and Bricks is our most groundbreaking initiative, we to keep up with today's technology otherwise we will not be on the market in the
future, because of that we have created a whole new Tesco app, where you can order your food on your phone, while you are at home, and simply
just pick up what you ordered when you get there. Or you can get your groceries delivered to your address. We have also made new technological
initiative that will blown your mind. It is a

Analysis Of Choosing Highly Rewarded Online Investment
Choosing Highly Rewarded Online Investment Opportunities If you're looking to discover the best high come back online investment you will need to
thoroughly research all your options. When creating a portfolio of the online investment, you will need to ensure you have a great deal of high come
back investments to make certain you maximize revenue. For individuals who have no idea a great deal about online trading, you might consider hiring
an agent. You'd be astonished by the incentives, benefits, and amount of earnings a broker could help generate. Your options of shares, goods, mutual
cash and insurances have widened the range of online investment. Recently currency markets was an alien world, an environment of lotions of the
culture. It... Show more content on Helpwriting.net ...
Using the development in currency markets online, brokerages also uncovered their way to attain their clients. They can be found online and their
services can be availed there itself with a meager amount of brokerages. Selecting Highly Profit Online Investment Opportunities Major ways for
choosing high–profit online investment opportunities are shown below. Search for safe assets like bonds and CDs The very best high come back
online investments are smart and safe investment funds. You might be wanting to know which online ventures will be the best. From the most
lucrative options for an online investment, you need to choose from include bonds and CDs. Bonds are able to provide full protection of your online
investment. Bonds are in fact debts securities that type of is like permitting the company that you get the bonds from borrow funds. You get the
connection security from offers to pay you again the quantity of the bond, in addition to the amount of interest that the connection has drawn as time
passes on the online investment in Dubai. The best bonds to purchase for the online investment are federal government bonds. Bonds are a safe and
easy way to produce high profits on the online investment. The online investment in the CDs is nearly risk–free ventures that provide you with a
higher profits on return. There is no need to be concerned about dropping your t shirt or your financial

Amazon's Competitive Analysis
Competitive Analysis
Competitors are the firms that compete to serve the same customers in the same marketplace. Competitors can compete directly or indirectly.
Competition happens on two levels: Product or service competition.
Due to the shift of focus for Amazon, it has become the "Earth's biggest anything store". Its competitors have expanded from just online book retailers
Barnes and Nobles and Borders to top audio retailers CDNOW.com and online auction house e–bay.com. Amazon has an overall lead of 40% market
share against the other online retail firms. Their international business has more than doubled over the past 2 years
Amazon's primary value chain includes purchasing/sourcing, marketing, distribution and after–sales services, ... Show more content on Helpwriting.net
...
The lunched of Amazon.com in July of 1995 was the creation of a new and bold way of doing business on the Internet. Amazon.com forced the
traditional physical world brick and mortar retailer in the book industry to change the way they target the industry's consumers and then epitomized
Business–2–Consumer e–retailing. Although, Amazon.com started as an online bookstore,
The bricks and clicks mantra revolves around the idea that the winning –– and profitable –– formula for electronic commerce success is leveraging the
best of the physical and virtual worlds. In theory, it should give physical retailers venturing on to the Web an edge over pure dot–com e–commerce
companies because they can efficiently extend their existing infrastructure and complement their real world stores. So far, the most successful retailers
have been those that have taken an aggressive approach to the Internet like Amazon. The bricks–and–clicks model is gaining momentum as the
e–commerce market matures. A growing number of retailers have finally gotten serious about doing business on–line, now that fast–moving dot–com
players such as Amazon.com Inc., eBay Inc. and eToys Inc. have carved out market niches.
By creating an independent on–line unit that has the freedom to develop its own merchandising and marketing strategies, Amazon has the freedom and
flexibility to capitalize on opportunities. Toys "R" Us Inc. stumbled when

A Formal Report About the Marketing Activities at Tesco:
A formal report about the marketing activities at Tesco:
Introduction:
Tesco was founded in 1919 and launched its first store in Edgware, London, UK in 1929, however, over the decades it has evolved to become the
market leader within the UK food retail segment.
Tesco is among the largest food retailers in the world with revenue in excess of ВЈ54 billion in 2010 and employing over 470,000 people . They
operate approximately 4,331 stores in 14 countries around the world. The company operates primarily in the USA, Europe and Asia and their Head
Office is based in Hertfordshire, UK. The commercial network portfolio of Tesco comprises : over 960 Express stores which sell approximately 7,000
products including fresh foods at suitable ... Show more content on Helpwriting.net ...
The adoption of Electronic Point of Sale (EPoS), Electronic Funds Transfer Systems (EFTPoS) and electronic scanners have greatly improved the
efficiency of distribution and stocking activities, with needs being communicated almost in real time to the supplier.
5. Environmental Factors:
There has been an increased pressure on many companies and managers to acknowledge their responsibility to society, and act in a way which
benefits society overall (. The major societal issue threatening food retailers has been environmental issues, a key area for companies to act in a
socially responsible way. Hence, by recognizing this trend within the broad ethical stance, Tesco 's corporate social responsibility is concerned with the
ways in which an organization exceeds the minimum obligations to stakeholders specified through regulation and corporate governance.
The government launch of a new strategy for sustainable consumption and production to cut waste, reduce consumption of resources and minimise
environmental damage. The latest legislation created a new tax on advertising highly processed and fatty foods. The so–called 'fat tax ' directly affected
the Tesco product ranges that have subsequently been adapted, affecting relationships with both suppliers and customers
6. Legislative Factors
Various government legislations and policies have a direct impact on

Essay on Cmgt 400 Week 2 Common Information Security Threats
Information Security Threats to the Banking Industry
CMGT/400
University of Phoenix
Information Security Threats to the Banking Industry
To start off with I chose to go with our banking or financial industry. The banking industry is constantly getting attacked by various methods on a daily
basis. I chose this industry because I happen to know someone who works in the security sector at Wells FargoBank, he was a good person to get
information on what he sees on a daily or weekly basis. This paper is the opinion of myself and with gathered information from various resources. The
three main threats that face the banking industry are; Organized crime targeting financial ... Show more content on Helpwriting.net ...
This would halt if not shut down the entire bank for the day depending on how severe the attack was. In most cases the banks have a backup system in
place in the event of these types of security breeches as well as natural disasters. During a security breech within the banking system everyone who
does business with that bank and other banks who do business with that bank could all be effected if the breech went far enough before being
discovered. The security teams within the banking system must always be constantly checking for attempts or attacks on their systems. Below is a list
and description of the most common types of attacks on the banking or financial industry. Organized Crime targeting Financial Institutions Cyber
crimes from criminal organizations has risen over the past few years many of these have been located overseas and most of them have been based in
Eastern Europe that hire and direct hackers on what they want done. The statement has been made that the battle lines between cyber attacks by
organized crime reaches far wider than just an institution's firewalls. One such organized cybercrime unit is the Russian Business Network they are one
of the more well known criminal organizations delving into the global networks of the financial institutions. Assault on Authentication These types of

The Internet Revolution
The Internet Revolution Now, with the click of a button, consumers are buying just about anything imaginable, and all from the convenience of the
internet. People no longer have to leave their homes, work or where ever there is internet access to make important purchases. Technology has
advanced so that companies are conducting business around the world with out ever meeting. No longer do consumers or businessmen have to shake
to complete a deal or a sale, but merely click down on the mouse and the numbers change. Some internet companies have never seen their customers
and yet some traditional retailers have not yet acknowledged the internet. However, “convergence is the new religion (“The
Real…” ... Show more content on Helpwriting.net ...
They also allow the investor to take all responsibility and buy, sell or trade as much as they want for a minimal fee. “In the first two months
of 1999 alone, the number of trades executed over the internet has increased by 25% to 425,000 per day (Wilson 36).” Internet trading is
growing steadily and the same can be said for on–line banking. “From 1993 to 1998, the typical U.S. banks assets grew at 8%. Over the same
period, Telebank, the nations largest on–line bank, grew at 53% per year (Wilson 35).” This is a great sign for the public. With so much
competition with online trading and banking, companies are constantly offering cheaper trading rates and boosting interest rates to gain the attention of
potential customers. Banks are also saving money through the web too with the cost of an in perosn transaction costing $1.07 and an on–line
transaction costing only $.01, as reported in “Can Online Banking Replace Conventional Banks? (32).” With the holidays soon
approaching, companies are rushing to update their internet sites for the shopping season. Department stores such as J.C. Penny, Nordstrom, Sears and
K–Mart are all upgrading for the rush (“The Real…”53). Tiffany, having sworn never to sell their diamonds and pearls over
something as common as the web, are doing just that

Essay on Dating on the Internet
Dating on the Internet
It has become today's method of communication, the wave of the future. The necessity to leave the home to do such things as shop for clothes or to go
to the bank is diminishing. Business is being conducted more frequently from the home. Students will soon be able to interact with their teachers and
fellow students while sitting in their bedrooms. The Internet will overtake all forms of personal interaction, and it stands to reason that this includes
dating. From foreign pen–pals to heated Cybersex, the number of people who log on each day is growing rapidly. Those who used to race home from
school to run outside and play, now race home to meet their best friend in a chat room somewhere; they've never met and yet ... Show more content on
Helpwriting.net ...
All this excitement is just the exploration of the new media. (Women's Wire News).
The telephone cut off the absolute need for face–to face discussions, yet society thinks nothing of this today. Rather the telephone is one of the most
important forms of communication in our daily lives. After the telephone came the television. Children would come home from school excited
because it was time for their favorite show. Parents were worried. Their children were no longer playing with their neighborhood friends. The "Power
Rangers" replaced Andy next door, Saturday morning was for "The Smurfs" or "Saved By the Bell," not Jenny and Tammy down the street. Television
was 'rotting the brain,' it was 'replacing' socialization. Now the same can be said for computers. Those same kids are racing home to the Internet. They
are logging on to their favorite chat rooms and talking to their friends from Australia or South Africa.
With the telephone there was still the ability to engage in personal conversations, but the value of talking face–to–face was diminished. Television is an
idle medium. There is no direct interaction, rather children and adults sit and stare at a screen. The Internet brings back interaction, but at the cost of
intimacy. The person at the other end of the conversation is a screen, a typed sentence, a random name. There is no voice, no human qualities. Nothing
to indicate this is actually a living, breathing being. The progression is there;

Britadel Llc Case Study
Citadel LLC is a global financial institution founded by Kenneth C Griffin in the year 1990 and is the Chief Executive Officer of the firm which
manages over $26 Billion. Also known as Citadel Investment group the company operates two businesses Citadel, and Citadel securities. Citadel under
the management there are more than 26 billion in assets is one of the world's largest asset managers. Citadel securities, is the world's leading market
makers trading products equities, equity options and liquidity providers in America's capital markets. University endowments, sovereign wealth funds,
and pensions are largest institutional investors whose assets are managed by Citadel. Citadel technology, a solutions provider for investment
management technology.... Show more content on Helpwriting.net ...
Citadel ranks as the eleventh largest hedge fund manager in the world. The funds from investment strategies like credit, fixed income, quantitative
strategies, commodities and equities are managed by Citadel. This company has a strong risk management culture and state of art technology. From
2009–2010 the funds capped solid returns with more than 20% of gains. Citadel became first foreign hedge fund to complete Yuan fundraising that
allows Chinese investors to invest in overseas hedge funds. Kennith Griffins Chicago Hedge fund Firm Citadel LLC is performing well and now
managing $26 Billion. He started his trading career in the dorm room in Harvard University in 1987. Citadel is the leading investor in global financial
markets. For their investors and partners Citadel, through their diverse range of investment strategies generate consistently high risk adjusted
investment results and deliver excellence. Citadel Securities: Formed in 2002 is the leading market maker. Automation of Citadel securities has
resulted in reliable trading at a lower cost. Citadel Securities is ranked #1 in by Barron's in providing improved price for investors in both non– S&P
and S&P 500 shares. In more than 7,000 US listed securities Citadel have made

Ebay vs Amazon
EBay vs. Amazon
Introduction:
In a world where trade is increasingly becoming digitalized online, there are new and challenging strategies emerging. This essay aims to analyze and
determine these strategies. Considering the example of eBay and Amazon, their business models and their multi–sided platforms, we can compare them
to decide which strategies work in this market and how, in the future, they can keep a competitive edge as the market continuously changes. However,
as Amazon and eBay have eventually crossed paths in an attempt to expand in the ecommerce market, the question persists whether the market is big
enough for both. This essay will look at how eBay and Amazon have evolved their business structure and how changes in ... Show more content on
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EBay's business strategy originally used a two–sided platform, founder, Pierre Omidyar (1995), developed the firm out of, what he saw as a, 'need' or
'niche' in the market that needed accommodating. This niche was to develop lower search costs and find a way to determine a fair price in the
industry. (I.e. a working price mechanism) Due to high search costs the 'used goods and collectables' market had suffered a stifled growth. Whereas the
lack of a price mechanism in the market meant products were sold primarily through bilateral negotiation, through buyer and seller. This was an issue
as it didn't reveal the true prices in the market as little or no competition prevented competitive pricing strategies from emerging. However, the
emergence of eBay's auctions feature transformed Bi–Lateral trades into Multi–Lateral trades, facilitating efficient price discoveries. (R.Salehnejad,
2012, Note 3) In 2003 eBay introduced fixed prices using the 'buy it now' function in which eBay still benefited from a listing and commission fee.
This effectively ensured that the merchant always got the price they wanted for a good, not necessarily the market price it deserved. Furthermore, in
2001 eBay introduced 'eBay Stores' allowing firms to offer its products at fixed prices through the eBay site, such as the Home Depot in the USA.
Here it is clear that eBay was moving into Amazon's territory as an online retailer and merchant platform. Although eBay

E-Commerce Security Issues
[pic] INTERNAL ASSIGNMENT Name of the candidate: ISHA Enrollment no. : 01215903911 Course: MBA Batch: 2011
–13 Subject: E–business
Subject code: MS–114 Topic of assignment: Is security a real or perceptual problem in Web commerce. Subject Teacher's name: Ms. Sneha Chopra
ABSTRACT This project report contains the study of "is security a real or perceptual problem in web commerce". The content includes the security
related issues being faced by the companies or organizations in their business through e–commerce. The tools being available in market to cope with
such issues... Show more content on Helpwriting.net ...
There are a number of critical social and organizational issues with security. The first is that the weak link in security is often users or employees,
rather than the technology. The second is software engineering management, or managing how security technology is deployed. The third is the
development of adequate organizational processes for risk management, separation of duties, and development of security policies, access control, and
security assurance. Advantages of E–commerce Lower Cost Doing e–business is cost effective; it reduces logistical problems and provides a small
business with competitive advantage with giants such as Amazon.com or General Motors. E commerce helps in reducing cost of business as it enables
to get access to large population. Economy It helps in development of economy. It provides the business an international platform to do transactions and
get a competitive advantage in the economy and increase the productivity. Higher Margins E–business along with higher margins helps in gaining more
control and flexibility and enables to save time when manual transactions are done electronically. Better Customer Service E–commerce means better
and quicker customer service. Online customer service makes customers happier. Instead of calling your company on the phone, the web merchant
gives customers direct to their personal account online.

The Internet And Other Electronic Media
The internet and other electronic media have had a positive impact on the lives of individuals and businesses all over the world. Online banking is a
phenomena that was established to make the banking services easier and accessible for the customers. In Saudi Arabia, many people prefer wait in the
bank to pay their bills rather than doing it online. This research investigate the extent of using online banking in Saudi Arabia, the associated problems
of not using online banking and suggest a solutions for the financial industry in order to enhance it is online services.
Introduction:
The banking arena during the last decade has seen a significant expansion in banking technology. The most prominent aspects of the ... Show more
content on Helpwriting.net ...
(Federal Financial Institutions Examination Council,2003). The usual E–banking services provided by banks are account management; bill payment
and presentment; new account opening; consumer wire transfers; investment/brokerage services; loan application and approval; account aggregation;
cash management ; small business loan applications, approvals, or advances; commercial wire transfers; business–to–business payments; employee
benefits/pension administration etc. Online banking or E–banking has spread around the world and has become common these days. In general,
banking services have changed over the past three decades to meet the consumers' needs (McKinsey & Company, 2012); at that time, when the
consumer needed money for purchases or to make a transaction, he needed to go to the bank by himself during the bank hours and perhaps waited in a
long line to meet a human teller to implement his transaction. Nowadays, due to the E–channels that surfaced with the development of technology and
the Internet, the processes of banking have changed. The consumer can make a transaction from one account to another while sitting in his couch
anytime and anywhere.
The emergence and evolution of online banking:
Since the early 1980s, innovations in online banking have been varied in the finance world. At the time they called it

Market Opportunities in E-Commerce, South Africa
Market Research Report
On
Analysing Online Retail Possibilities
For South African Businesses
Prepared by
Asaad Manjoo
Contents
Chapter 1: Introduction 1.1 Aim of the research study 1.2 Problem Statement and Objectives 1.3 Literature study ... Show more content on
Helpwriting.net ...
1.1 Aim of the research study
Online shopping has been a growing phenomenon all over the world especially among countries with well–developed infrastructure with marketing
activities over the Internet (Kau, Tang & Ghose, 2003 ). Hawkins, Best & Coney (2001:592) are of the opinion that Internet sales will
increase rapidly in years to come.
Today we live in an age where the Internet has become an important medium for people in their daily lives. The Internet is an effective and efficient
way to communicate with people, to manage banking transactions and to purchase goods and services. While the old way of going to a shop to get
the feel and touch of a product before purchasing it is still nice, for certain services like booking airline or concert tickets have made the process much
easier and efficient.
Although predictions have been made on the future of online shopping and the increased growth in sales, the question arises as to why don't more South
African businesses utilise this market? This question can go hand in hand with another question: Why do consumers in South Africa still prefer
shopping at a shopping mall as opposed to the convenient way of shopping online?
In order for South African businesses to retail their respective products or services online, there needs to be a profitable market of users for the
respective businesses to

Internet Banking
Internet banking
A study of user demographics, advantages, disadvantages and its future
Chapter 1 Introduction to internet banking
Chapter 2 User demographics
Chapter 3 Comparative study of online services provided by:
В•Bank Of America
В•Wells Fargo
В•American Business Bank
Chapter 4 Factors influencing the adoption of internet banking
В•Advantages of internet banking
В•Disadvantages of internet banking
Chapter 5 Online banking security
Chapter 6 Future of Internet banking References
Chapter 1:
An introduction to internet banking
Definition
Internet banking refers to systems that enable bank customers to access accounts and ... Show more content on Helpwriting.net ...
The remainder (12%) was under $20,000 per year.
Internet/Computer Experience: 4.7% of Internet bank account holders had less than 6 months of experience using the Internet; 12.5% had 6 to 12
months experience; 39.1% had used the Internet for 1 to 3 years; 28.1% for 4 to 6 years and 15.6% used the Internet for at least 7 years. Therefore, of
those with Internet bank accounts, nearly 83% had used the Internet for at least one year. However, of the respondents without Internet bank accounts,

75.8% had used the Internet for at least one year.
Purchases via the Worldwide Web: 20.3% of those with Internet bank accounts claim to have purchased some product over the internet, while only
2.6% of those without an Internet bank account have made such a purchase.
Usage of Financial Software: 62.5% of those with Internet bank accounts have used off–the–shelf financial management software such as Quicken or
MS Money, while 55.4% of those without an Internet bank account have used this type of software products.
General Banking Activities:
Visits to Bank Branch: 51.2% of those with Internet bank accounts typically visit a physical bank branch on average less than once per month, in
contrast to 31.8% of those without an Internet bank account.
Bank by Phone: Of those

Bankinter analysis
BANKINTER
INTRODUCTION & TARGET
Intro:
The case begins with Ana Peralta,(Director of the Internet Network at Bankinter) analyzing the success of Bankinter's foray into e–banking through a
progressive portalization strategy executed through E–collaborator. This approach was a great success for the Bank nearly doubling the number of new
clients with lower costs involved. Riding on this positivity, their stock doubled within a month! There was no doubt that the success of theinternet
business was vital to the stocks as well as the growth and strategies of the financial services provider.
The small national independent banking organization was soon able to position itself as a futuristic innovative multichannel low cost provider ... Show
more content on Helpwriting.net ...
Furthermore, it's competitors began to infiltrate these sites vigorously, by buying over portals for lump sum amounts of money.
While Bankinter did attain numerous customers through the Alliance approach, the costs of customer acquisition were too high to be justified. Hence,
they terminated this process and shifted towards a program they called "e–collaborators". This time, Bankinter placed banners on websites that linked
users to ebankinter.com directly. They displayed banners on any highly trafficked website that would agree to display it, regardless of that websites
content. While this too was a success, it had a few drawbacks. People started opening accounts, but did not complete the entire process. They found a
lack of customer interest level. The process of acquisition wasn't up to mark and customers did not find any incentives to complete the process. Also,
the program did not target the segments of market that would be most valuable to the company.
Bankinter's internet acquisition strategy, as it can be seen through reading the case study, has evolved over a period of time. The strategies that they
implemented, of course, had their issues, but they both also had their strengths. While this idea did not play out as well as Bankinter had hoped in
practice, in theory, it was a strong idea. To have a web page within another well–known, prestigious web

The Future Of Retail Banking And The Increased Popularity...
This Research will examine the future of retail banking and the increased popularity of electronic banking among adults in the United States. This
research utilizes data from census.gov and pewresearch.org, ABA and federalreserve.org. The data set examined is over a twelve year period with
data at three year intervals.
The purpose of this study is to determine whether there is any relationship between age and income as it relates to the use of internet banking. The use
of scatter plots, correlation calculations and regression analysis will be used to determine the result. (Will be shown in Excel spreadsheets)
Literature Review
The transformation of retail banking began between 1980 and 2000 with the use of digital technology to make ... Show more content on Helpwriting.net
...
The development of mobile banking, sales of products either done online or influenced by online marketing are expected in the medium term to grow
to represent 60% of total sales (mckinsey.com).
Traditional banks offer many different services to their customers. These services include accepting customer money deposits, making loans to
individuals and companies and providing servicing to the various loans and accounts offered. When compared with traditional channels of offering
banking services through physical branches, electronic banking (e–banking) uses the Internet to deliver traditional banking services to their customers,
such as opening accounts, transferring funds, and electronic bill payment (Fan, M. 2002).
E–banking can be offered in two main ways. An existing bank with physical offices can also establish an online site and offer e–banking services to its
customers in addition to the regular channels. Citibank is one of the leaders in e–banking, offering walk in, face to face banking at its branches
throughout many parts of the world as well as electronic banking services through the World Wide Web. Citibank customers can access their accounts
through the Internet, in addition to other e–banking services such as account balance inquiry, funds transfer, and electronic bill payment, Citibank also
provides premium services including financial calculators, online stock quotes, brokerage services, and insurance through

Online Banking
BBT 3105: RESEARCH METHODOLOGY Faculty of Information Technology
Jilani Thomas Mwangolo
BBIT3: 049834
TABLE OF CONTENTS
1. INTRODUCTION3
1.1. Background Information3
1.2. Research Problem3
1.3. Objectives4
1.3.1 Project Objectives4
1.3.2 System Objectives4
1.4. Significance of the Study5
2. LITERATURE REVIEW6
2.1. Online Banking6
2.2. History of Online Banking6
2.3. General Statistics7 1. INTRODUCTION 1.1. Background Information
Jumuia Bank is a renowned bank in Kenya which has over 46 branches nationwide in Kenya. Its headquarters is located in Nairobi in Hurlingham,
Lenana Road, Jumuia house, third floor. In each province, there at least 5 branches, so its network is quite large and well... Show more content on
Helpwriting.net ...
Rather than the usual process, this system aims to actually allow customers interested in opening up an account with a bank to do so online. Other than
accessing their account details on the mobile phone (a system that's already been implemented), it also aims to allow registered customers to check
their account details online–their balance and transactions carried out in given time periods.
2. LITERATURE REVIEW
(The wider scope of my research is the internet banking, rather the online banking, but I've narrowed the scope to account opening and registration.
Further on, I will do more research on implementing online banking as a whole, but for this proposal, my focus is on account opening.)

This chapter seeks to say what other researchers have written about this field of study. It seeks to fill find literature that will fill the gap that has not
been filled before. 2.1. Online Banking
According to Wikipedia, Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their
retail or virtual bank, credit union or building society. 2.2. History of Online Banking
(http://www.ezinearticles.com/History–of–Online–Banking&id=270075)
The concept of online banking as we know it today dates back to the early 1980s, when it was first envisioned and experimented with. However, it
was only in 1995 (on October 6, to be exact) that Presidential Savings Bank first announced the facility for regular client

Internet Banking
ABSTRACT There have been major changes which are witnessed in the world and at the centre is the ever changing phase of technology, like advances
in the way people communicate, do businesses, exchange of information. At the heart of all this lies the World Wide Web and the same has
revolutionised the way people are communicating and transferring the data and information. The best part about being that there exists no single entity
or person who owns the World Wide Web some organizations and other companies are handling the management of the system and the administration
of the World Wide Web. There has been contrasting views with respect to electronic commerce, however it needs to be noted that Electronic commerce
is a structured... Show more content on Helpwriting.net ...
The banking industry also involves the practice of offering varied products which are necessary to ensure that they are able to maintain the advantage
in a highly competitive field and the globalization has brought in different players who are vying for the same number of customers and this forces the
banks and financial institutions to look for various avenues to meet the customer needs. However, it needs to be understood that the Automatic Teller
Machines (ATMs) had the most penetration in the environment in comparison to other measures like phone banking, mobile banking, and internet
banking. There has been an exodus of offers with which the banks have penetrated in the economy and this sea change has been made possible by the
availability of technology. However, there is a still a percentage of customers who would believe in the concept of conventional banking in comparison
to the modern banking methods which are confusing and at times intrusive for the conventional customer who would still rely on the bricks and mortar
banking system which works on hard physical currency being transacted over the counter. (Yaha and Laura, 1990) There are many reasons for the deep
distrust towards the advancement that has been witnessed in the technology front, like the old age people who are not adept at the system feel that it
has nothing new to offer to them. However, the

The Development of the Centre for Migration Studies Irish...
The Development of the Centre for Migration Studies Irish Emigration Database
In 1988 the Ulster American Folk Park (UAFP) near Omagh in Co Tyrone, Northern Ireland began to set up a computerised Irish Emigration Database
(IED) in its library. This was a ground–breaking project at that time and was immediately beset by problems of all kinds, the details of which will be
explained later. By 1997 the Folk Park's library had expanded to become the Centre for Emigration Studies and eventually the Centre for Migration
Studies (CMS). The latter is now funded jointly by the Scotch–Irish Trust of Ulster in partnership with DCAL (Department of Culture, Arts & Leisure)
and the five Education and Library Boards of Northern Ireland. In this paper ... Show more content on Helpwriting.net ...
The late John Winters (who sadly died in May 2002) managed the Database project at UAFP and then subsequently became Database Manager at
CMS. As Database Collection Manager, I have managed the Project in Belfast from its inception until the present day. Des McMorrow was in post as
ICT Manager from October 2003–March 2004. A new ICT Manager is to be in place by July 2004.
SETTING UP AND STAFFING
The British Council funded Ms Joan Reedy, from Boston, Massachusetts, to work on the project in Belfast during 1989/90 and Dr Katharine Brown
from Virginia, and Ms Maureen Macauley, also from Boston, during 1991/92. They all did some excellent work for the Database and were a
tremendous asset to the project. All other workers have been appointed via unemployment training schemes.
After a year initially working at PRONI a new government training scheme was introduced to replace the old Ace Scheme. This entailed recruiting
trainees who would earn only ВЈ10 per week, on top of their unemployment benefit. The prospects of recruiting well–qualified people to process the
documents looked bleak. However, after a short while we began to build up a number of trainees who were interested in the work.
The main Training and Employment Agency was Enterprise Ulster– http://www.enterpriseulster.co.uk – whose head office is in Belfast. During the
early years when unemployment was high there could be 12–13 trainees at a time working at our Belfast office.

Edward Jones in 2006
Executive Summary
This memorandum addresses some of the key issues with Edward Jones, which includes the lack of an online presence, possible cannibalization from
larger firms, and the inability to manage funds from institutional investors. I conclude that the most effective of all of the theorized strategies would be
a combination of Edward Jones' original business model with an online platform. This plan would allow Edward Jones to stay true to its fundamentals,
as well as attract new clientele and provide better service to its existing clients.
Introduction
Edward Jones has become the fourth largest brokerage firm in the United States. By holding on to a fundamental business strategy based on the core
concepts of close client ... Show more content on Helpwriting.net ...
Edward Jones' average assets per account were $45,556 while Merrill Lynch & Morgan Stanley was $163,667 and $137,111 respectively. Edward
Jones leaves revenue on the table by not managing higher net worth institutional accounts.
Available Strategic Options
Edward Jones' strategic direction in 2006 had to respond to competitors like Merrill Lynch if the partnership wanted to maintain its exceptional
performance and growth. The first option focuses on staying true to Edward Jones' small–town roots and demonstrating the value of strong personal
relationships with one's financial advisor in planning for the distribution phase of life (Faux, 2014). FAs can take advantage of face–to–face
interactions and close relationships to communicate to clients the importance of planning for the distribution phase as soon as possible and hopefully
encourage client referrals. Also, a professional advisor who personally knows the clients and their needs provides critical support to keeping long–term
retirement plans on track while still focusing on time–sensitive decisions. This defensive move could stunt the firm's growth, and if it fails, could leave
Edward Jones even more vulnerable to cannibalization.
The second option shifts the company's original policies of strictly face–to–face interaction to a hybrid model, which includes online account and
portfolio tracking and current news and research. This option adds value for existing customers because they can view

The Royal Bank Of Canada
Summary
The Royal Bank of Canada (RBC) ranks at the top among 4 other banks in Canada leading the industry with $38 billion in revenue, and has over 79,
000 employees and 16 million clients worldwide. Founded in 1864 in Halifax, Nova Scotia, RBC has expanded its operations internationally with
subsidiaries in investment and corporate banking, and investment brokerage (RBC, 2016).
RBC's Positioning
RBC Royal Bank is the largest bank in Canada, and was recognized as Canada's #1 most valuable brand in 2014 and 2015 by Brand Finance Top 100
Canadian Brands, as well as ranking globally among the top 100 brands in the world (RBC, 2015). It is evident that RBC is highly involved with
communities through its corporate donations, employee ... Show more content on Helpwriting.net ...
Some cards are free while some have a monthly fee. Chequing accounts range from free to $30, while credit cards range from free to annual fees of
$120 plus additional fees.
в—ЏPromotion. RBC uses a combination of techniques to promote its products and ensure the right services are matched with clients. Due to the
complexity and nature of banking, personal selling is crucial as it aligns with its brand, "advice you can bank on", and furthermore ensuring the right
service is aligned with the client. Sales promotions are often used by RBC to entice new customers, such as the iPad mini offer for opening up an
RBC Signature or VIP banking account. Direct marketing is available on its website in the form of a questionnaire as well as a live chat agent, to
establish an initial contact point and to deliver customized results for what a client is looking for. Public relations is also a strategic promotional tool as
mentioned with its sponsorship, donations and community initiatives.
в—ЏPlace. Banking at RBC is delivered through different distribution channels in order to effectively reach out to its target audiences and market
segments. Primary channels include its online and mobile banking (lower transaction costs compared to in–person interactions), over 4000 ATMs,
RBC branches and telephone banking.
в—ЏPhysical Evidence. RBC prides itself on its innovation compared to the other 5 big banks, being number one in digital sales, online visits and

Woking Capital Management in Organisation
Poject title " a study of customer satisfaction towards sevices provided by DCC Bank Narkhed ."
1.1 INTRODUCTION TO STUDY
"Bank" Everybody is well versed with the term bank. All the countries of the world are having financial institution called banks. By the word 'bank ' ,
one immediately understand that, a bank is something which deals with aspects of deposits and giving loans and advances.
Banks safeguard money and valuables and provide loans, credit, and payment services, such as checking accounts, money orders, and cashier's checks.
Banks also may offer investment and insurance products, which they were once prohibited from selling. As a variety of models for cooperation and
integration among finance industries have emerged, ... Show more content on Helpwriting.net ...
Others are beginning to provide investment banking services that help companies and governments raise money through the issuance of stocks and
bonds, also usually through a subsidiary. As banks respond to deregulation and as competition in this sector grows, the nature of the banking industry
will continue to undergo significant change.
1.2 CHANNEL BANKING TREND IN INDIA
With increasing number of banks including the public sector banks are fascinated by the technology banking, the result are very visible in the form of
alternative channel banking and new delivery system, new operating structures and business processes and outsourcing of operations and human
resources. The banking in India is clearly experiencing stunning changes in the recent years and the explosion of information technology made the life
easy for most of the bankers and users. The popular channel banking instrument such as Automated Teller Machines (ATM), Tele banking, Mobile
banking, Internet banking are gaining popularity. Besides the facilities like Electronic Fund
Transfer, Electronic Clearing System, Electronic Data Interchange etc. are also increasing by used in the recent years.
Now, the mantra of the new generation banks is – customers are not welcome (to branch). If you want any service you don't come – we will come to
you. And if you want to know any things you don't call us – we'll call you. Most of these banks in fact fine it more expensive

Retailing in Electronic Commerce: Products and Services
Chapter 3 Retailing in Electronic Commerce: Products and Services Learning Objectives Upon completion of this chapter, you will be able to: 1.
Describe electronic retailing (e–tailing) and its characteristics. 2. Define and describe the primary e–tailing business models. 3. Describe how online
travel and tourism services operate and their impact on the industry. 4. Discuss the online employment market, including its participants, benefits, and
limitations. 5. Describe online real estate services. 6. Discuss online stock–trading services. 7. Discuss cyberbanking and online personal finance. 8.
Describe on–demand delivery by e–grocers. 9. Describe the delivery of digital products and online entertainment. 10.... Show more content on
Helpwriting.net ...
2.List the benefits of online travel services to travelers and to service providers. Online travel services provide the benefits of large amounts of free
information, 24/7 availability and the potential for significant reductions in price. 3.What role do software (intelligent) agents have in travel services?
What future applications may be possible? Intelligent agents could provide a service to travel customers by providing buyer–seller negotiations. Future
applications would allow greater information flow for better pricing and decision making. Section 3.4 Review Questions 1.What are the driving forces
of the electronic job market? The electronic job market is driven by the volatile nature of the employment market itself and the constant change in
available positions and applicants. 2.What are the major advantages of the electronic job market to the candidate? To employers? A variety of
advantages are described in exhibit 3.6. 3.Describe the role of intelligent agents in the electronic job market. Intelligent agents can be used to search
and retrieve suitable positions for candidates and suitable candidates for employer positions. Section 3.5 Review Questions 1.List the major online real
estate applications. The major online real estate applications

Decathlon in China
–––––––––––––––––––––––––––––––––––––––––––––––––
Decathlon in China
Decathlon is a French manufacturer and retailer of sporting goods, established in 1976. It provides to customers a wide range of products (clothing,
shoes but also equipments) for more than sixteen different kinds of sports, from beginners to professionals. Through the years, Decathlon expanded
its business abroad and in 2009, Decathlon had become the second top ranking sports retailer in Europe in terms of global sales. In addition to Europe,
Decathlon had started to develop its own business in China, with a first retail store in 2003.
Since its introduction in the Chinese market as a sport retailer, Decathlon had seen a rapid and successful growth. Indeed, in ... Show more content on
Helpwriting.net ...
Secondly, another challenge is to increase brand awareness and connect Decathlon China with its customers. To begin, we can see that no efforts are
done to bring consumers to the Decathlon's official website. As a result, Decathlon China should use specific online forums about sports, where
people usually tell their purchasing experiences, ask questions, etc. and where Decathlon China could use banners to be visible and attractive.
Decathlon China could also hire an employee who will be charged to share its "purchasing experiences at Decathlon China", so as to convince people
to have a closer look at Decathlon China when they are looking for sporting goods. In the same time, we can see that the competition is highly using
social media to connect with their customers. Accordingly, Decathlon China should create a company fan page on Chinese local social media, and
more specifically, Renren and Sina Weibo, as its target audience usually hang out on these social media. The Decathlon fan page should inform
potential consumers, bring them to the official website, but also allow consumers to interact, ask questions directly to Decathlon. As a consequence,
Decathlon China should also hire few employees to update its fan page frequently and answer very quickly to the questions of potential consumers to
show their reactivity.
Thirdly, we

Marketing Management Kotker
Internet Banking in Terms of Profitability: The Case of Northern Cyprus Banks Jude Chimezie Nwobodo Submitted to the Institute of Graduate Studies
and Research In Partial Fulfilment of the Requirements for the Degree of Master of Science in Banking and Finance Eastern Mediterranean University
June 2011 GazimaДџusa, North Cyprus Approval of the Institute of Graduate Studies and Research Prof. Dr. Elvan YД±lmaz Director I certify that
this thesis satisfies the requirements as a thesis for the degree of Master of Science in Banking and Finance. Assoc. Prof. Dr. Salih Katircioglu Chair,
Department of Banking and Finance We certify that we have read this thesis and that in our opinion it is fully adequate in scope and... Show more
content on Helpwriting.net ...
Dr. Glen for his support; and more thanks to Assoc. Prof. Dr. Majid Hashemipour, the Vice Rector for International Affairs for his Divine Assistance
all through my year in Cyprus, May the good Lord bless you sir. Finally I owe an extreme thanks to my late Father, Chief Mmeziamaka Nwobodo,
Ogbuefi (Onyemalu–ife–ga–eseokwu), My dearest Mum, Lolo Eriko Nwanyi and Brothers, Prince Valentine Nwanwelugo and Prince Churchill
Omekannaya who encouraged me to travel all the way from Nigeria to Turkish Republic of Northern Cyprus and supported me earnestly all throughout
my studies. I would love to dedicate this study to them as my sincere love and an indication of their significance in this study as well as in my life. v I
dedicate this work to my Heavenly Father, Our Lord Jesus Christ, The Prince of peace and The Lord of lords, for He made a way where there seems to
be no way for me. vi TABLE OF CONTENTS ABSTRACT ................................................................................... iii OZ
............................................................................................... iv ACKNOWLEDGEMENTS ...................................................................vi LIST OF
TABLE ................................................................................x LIST OF FIGURES .............................................................................xi 1 AN
INTRODUCTION TO INTERNET BANKING....................................1 1.1 Background of the Study ..............................................................1 1.2
Definition of internet banking .........................................................2 1.3 The Aim of the Study .................................................................5 1.4 The Scope
of the Study ................................................................5 2 LITERATURE REVIEW ....................................................................7 3 INTERNET

Comparison of Online and Offline Retail Environment of Car...
The offline retail environment of the automobile industry is that of manufacture to intermediary to consumer. The process from which the product (car)
proceeds from manufacturer to consumer is that of through the automobile dealer. This intermediary batch purchases a number of models from the
manufacturer and sells them from the 'lot' or storefront. This placement and presentation of the product has proved largely successful. The tangible
product is viewed, test driven and purchased from the intermediary. An advantage of the offline retail environment is that of the face to face (F2F)
transaction environment. The purchase of a car requires high involvement between the supplier and consumer and can be argued demands a customer...
Show more content on Helpwriting.net ...
Rather than solely online companies, who may only offer ghost storefronts with no inventory and little reputation to defend. (Pitta, Franzak &
Fowler 2006) Value creation has been described as the difference between the amount that the consumer is willing to pay for a product and the
costs of providing the product. Value can also be added to the product through outside or support (Porter, 1985) activities such as brand awareness,
speed of delivery, after sales service. Resource Based View (RBV) theorists argue that information technology (IT) resources can be used today in
an online environment to enable a firm to improve efficiency regardless of whether mimicked by competitors, or may yield performance impacts
unique to a firm relative to its' competitors." (Melville, Kraemer & Gurbaxani 2004) A major factor in RBV and enhancing value creation better
than a company's competitors is that of competitive heterogeneity. This refers to enduring and systematic performance differences among relatively
close rivals. (Hoopes, Madsen & Walker, 2003) Resources are the tangible and intangible assets of a firm that can be used in the value creation
process and the RBV consists of six conditions necessary for a firm to confer a sustainable competitive advantage (Melville, Kraemer & Gurbaxani
2004) and are as follows. A valuable resource can be tangible and intangible; it is a

Japan Net Bank: JapanвЂљГ„Гґs First Internet-Only Bank
15th Bled Electronic Commerce Conference eReality: Constructing the eEconomy
Bled, Slovenia, June 17 – 19, 2002
Japan Net Bank:
Japan's First Internet–Only Bank – A Teaching Case
Ali F. Farhoomand
Centre for Asian Business Cases, University of Hong Kong,
Hong Kong
Ali@business.hku.hk
Vincent Mak
University of Hong Kong,
Hong Kong
VincentMak@business.hku.hk
Abstract
Japan Net Bank (JNB), Japan's first Internet bank without physical branches, began operation in October 2000. It attracted mainly young customers
looking for convenient, round–the–clock bank services with much more competitive interest rates and transaction charges than traditional Japanese
banks. Its access channels included the mobile Internet service ... Show more content on Helpwriting.net ...
He also worked at the Sakura Research Institute, where he founded and headed the "Center for Aging and Environmental Studies".
1
US$1=ВҐ120
2

Kakuchi, Suvendrini (2001), "Economy–Japan: First On–line Bank takes on financial giants,"
Interpress Service, 25 January.
673
Ali F. Farhoomand, Vincent Mak
2.1
Stakeholders
At the time of JNB's launch, Sakura Bank, as the major stakeholder, owned 50% of the shares, with Sumitomo Bank, Fujitsu and Nippon Life Insurance
each holding
10%. Mitsui & Co., NTT East, NTT DoCoMo and Tokyo Electric Power each held
5% of the shares. After Sakura and Sumitomo Banks merged on 1 April, 2001, to become Sumitomo Mitsui Banking Corp. (SMBC), the major
stakeholder of JNB was SMBC, with a 60% stake [see Exhibit 1 and Exhibit 2].
2.2
Business Principles
JNB was one of the core Internet businesses of parent company SMBC – 80% of its full–time staff were transferred from SMBC. However, it aimed to
build up its own, independent brand name and aspired to become the de facto standard of the
Japanese–style "Internet Specialised Bank" for the 21st Century's Internet community. Miyai put forward as the guiding vision of JNB's business the
"customer–centric" principle, i.e., the Company and its services should be focused on customer satisfaction. He said:
In the Internet world ... customers should be treated better than in the actual world. ... We, as a company, have to seriously adopt

Japan Net Bank Case Analysis
HKU178
op y
01/24/02
Japan Net Bank: Japan 's First Internet–only Bank
Yoshiyuki Miyai had a vision. He wanted to establish a completely new standard of banking in Japan– that of Internet–only banking. As president of
Japan Net Bank (JNB), the first
Japanese online bank with no physical branches, Miyai emphasised that customer satisfaction should be the focus of JNB 's business – his customers
should enjoy convenient access to accounts, competitive rates, customisation and secure transmission of information over the
Web. To bring out the best services, he saw to it that JNB was run with low operation costs, a flat management structure, flexible computer systems and
a small workforce – all drastically
different ... Show more content on Helpwriting.net ...
The bank provided commercial and investment banking services, including credit and equity derivatives, loan trading and financial advisory services.
As of 1 April, 2001, it had 27 million accounts, 578 domestic branches and approximately 7,600 Automatic Teller Machines (ATMs) in Japan.
tC
Fujitsu Limited (www.fujitsu.com, 10% stake)
No
Computers and information technology accounted for more than two–thirds of sales of Fujitsu
Limited. The company was one of Japan 's top two PC makers and a leading maker of servers, software, storage devices and peripherals such as printers
and scanners. Its information technology services included systems installation and management. The company also made communications systems,

consumer electronics, semiconductors and electronic components.
Fujitsu reported consolidated revenues of ВҐ5.48 trillion for the fiscal year ended 31 March,
2001. It consisted of 517 consolidated subsidiaries with operations in more than 100 countries. Its subsidiary, Nifty Corp., was an Internet Service
Provider that offered a comprehensive Internet service called @nifty. @nifty 's sites and services included ecommerce portals, forums, auction sites,
member homepages and Internet access. As of
January 2001, @nifty had 4.4 million subscribers.
Nippon Life Insurance Co. (Nissay, www.nissay.co.jp, 10% stake)
The world 's third–largest insurance

Online Banking System
1. Introduction
Online banking is an internet based account management service that allows to view our account balances and transaction transfer funds between
authorized accounts, initiate loan payments, request stop payments on checks, order personal checks, download transaction information into your
computer communicate with the bank using e–mail, and can include bill payment services bill payment services.
On–line storage refers to a file of information (like a file on "students" or " courses) that the computer and the user can access immediately. The
computer, in other words, is directly connected to the file. A database is simply a collection of on–line files to which the user can gain access
Tape storage of data is ... Show more content on Helpwriting.net ...
Accordingly a larger section of population is still unaware of Online Banking owing to many reasons and legitimate crises. Moreover, this Online
banking culture is such a culture or trend, as people ought to know, considering the issue. We should go forward to work immensely in this area or
field as though this trend or culture spreads and gets access to the realization of people in no time. The money embezzlement in a bank poses tense and
threat to the belief of people on bank, that man be eradicated through updated, modem service ensured in change of traditional banking management,
therefore, my research work regarding this banking culture might grow the confidence, eagerness to large extent. On the contrary, this study would let
the people and students be familiarized and come to a close contact in behalf of this banking system.
3. Objectives of the study:
The primary objective of the term paper is to find out a feasible solution for the banking
System of Bangladesh using a nation–wide network. Implementing a nation–wide
Electronic banking system requires huge investment especially for the establishment of a backbone network. It really matters for a country like ours.
But fortunately we need not go for establishing the backbone network; instead the high–speed optical fiber network previously owned by Bangladesh
Railway can be leased partially to meet the requirement. This work also finds some comparison study with the existing system and

Contemporary Issues Affecting the Electrical Goods Sector...
B122 – EMA | Contemporary issues affecting the Electrical Goods sector of the Retail Industry|
Contents
The Retail Category – (Part 1, a.)
Issues affecting the Retail Industry – (Part 1, b.)
The economic crisis and the impact on the Electrical Goods sector – (Part 2)
Sustainability and the impact on the Electrical Goods sector – (Part 2)
The rise of the Internet and the impact on the Electrical Goods sector – (Part 2)
Critical analysis and recommendations for retailers in the Electrical Goods sector
* The Retail Category
The Retail Category I have chosen is 'Electrical Goods'. This category consists of retailers who specialise in: Computer hardware; computer software;
white goods; brown goods and audio–visual. I have ... Show more content on Helpwriting.net ...
The effect on Comet and other electrical goods chains such as Jessops and HMV can be attributed to macro–environmental forces such as: * Economic
forces: * recession causing business failures and closures * lack of economic growth causing a slowdown in sales * unemployment * reduction in
consumer spending power – changing volumes of spend * credit squeeze. * Cultural forces: * Changing attitudes towards shopping – parts of the
population change their patterns of consumption by trading down (buying cheaper goods) or by buying less.
(The Open University, 2013)
As Jobber (cited in Ellis–Chadwick, 2012, p.38) states "the economic environment can have a critical impact on the success of companies through its
effects on supply and demand". The current economic recession has caused an increase in inflation whilst also impacting job security and therefore
reduced consumer confidence. It is this reduced consumer confidence that has caused a fall in demand for electrical goods products as they are
normally associated with a high price tag and may tend to be put off until confidence grows. Coupled with this is a lacklustre housing market, caused
by the financial crisis of 2008. The housing market has a significant bearing on the sales of white goods due to the furnishing of new homes, as shown
in the

How Online Investment Secrets You Should Know : Case Study
Online Investment Secrets You Should Know
It really is quite disheartening each and every time I visit a very enthusiastic newbie online buyer fall in online investment, melt away or cash inside
many of these online investment potholes because they don't first take the pain to critically research investment programs before they start whipping
out their bank cards to purchase them.
How Online Investment Different from Traditional?
Investments is a way of producing an alternative solution blast of income through the use of your current blast of income. Usually, is always asked to
do a couple of things with the money: spending and keeping. Cutting down is given greatest importance as it allows one to deal with future
uncertainties. The ... Show more content on Helpwriting.net ...
The web trading platform for the online investment works as the hub, allowing traders to get and sell such securities as predetermined income, equities
/stock, options, and common funds.
After much personal uneasy emotions and empathy for the subjects of such devastating online investment potholes, I made a decision to position them
out for anybody who cares, to study from them and be savvier along with his online investments.
1. Get rich quick programs:
One of the potholes most newbie online buyers get caught in is buying get rich quickly online investment programs that assure to increase or quadruple
their investment finance within per month or weeks. When most newcomers of the online investment view such investment opportunities, they quickly
bare their profile and make investments, including the online investment UAE into those to make fast earnings– but it ought not to be. Before you
spend money on any online investment program, you should critically think about what business they will use your cash to achieve that they'll be in a
position to make enough income and also pay you such outrageous passions they promised.
2. Trading more than they are able to reduce:
Another damaging potholes newbie online trading agents get into is investing a sum of money they can't find the money for to bear losing into an
online investment program they know little or little or nothing

Strategic Management and Planning
Final
MGMT 435
Strategic Management and Planning
02/12/2016
1. How does Blue Nile create trust in buying an expensive item like an engagement ring * 2. How does BN educate potential customers * 3. How does
BN get users to buy expensive diamonds on a mobile device 4. How does BN make the diamond buying process hassle free * 5. How can BN grow
internationally if the internet is not always available* 6. Can BN expand its product offerings beyond diamond and jewelry* 7. Is BN "stuck in the
Middle"
APA 3–5 pages at least 4 references
Blue Nile, Inc. is considered the world's largest online retailer of diamonds. Founded in Nineteen–ninety nine, the Blue Nile offers gold, platinum, pearl
and silver ... Show more content on Helpwriting.net ...
Additionally, consumers in other nations can purchase items directly, via the mobile app's shopping card in their local currency. Mobile app shopping
helps increase the ease and speed on shopping, since users interface and the entire checkout process is optimized for mobile devices.
The convenience of purchasing jewelry online is not the same as purchasing physically at a store. Blue Nile thrives to serve customers the best they
can by offering several online features to ease the hassle of online shopping for their customers. Blue Nile offers unique characteristics to enhance a
customer's shopping experience such as financing options, educational pages, and online shopping. Online shopping offers the option to shop
independently or with assistance, additionally customers can email for additional information, or contact a customer service representative. A thirty
day money–back guarantee is offered if the purchase does not fulfill the buyer's expectation, making it a hassle free experience. Many countries lack
American consumer habits of online purchasing and yearn advancement. Otherwise many countries continue to adopt this habit realizing the efficiency,
convenience and effectiveness. Currently Blue Nile solely operates online and for consumers in developing countries where internet access is
unreliable, there is no buying power for potential customers. They can internationally expand in countries where Internet purchasing is unavailable by

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