This document summarizes forecasts for the telecom sector in Bangladesh. It predicts that as consumers become more educated about deceptive marketing practices:
1) Telecom companies will have to be more transparent about additional terms and conditions rather than hiding them under "Conditions Apply".
2) When phone numbers become consumer property rather than the companies', switching rates will increase dramatically through word-of-mouth.
3) Companies will have to get consumer permission before sending unsolicited marketing SMS to avoid irritation.
4) Phone calls to call centers will become fully free to avoid hidden charges consumers pay for "courtesy".
5) Companies will advertise short wait times on call centers to remain competitive.
Samsung Pay is a mobile payment service that works with both NFC and magnetic secure transmission technologies, allowing it to be accepted in more retail locations than Apple Pay or Android Pay. It is easy to set up with participating cards and uses fingerprint authentication. While Apple Pay has a more streamlined user experience, Samsung Pay has a wider acceptance rate since it can pay even at older card readers. Overall, Samsung Pay is currently considered the most versatile mobile wallet.
This document provides an introduction to making money with mobile marketing. It discusses how mobile marketing is poised to become a huge opportunity due to the growth in mobile phone usage. Various mobile marketing strategies are covered, including SMS/text marketing which has been very lucrative in the past with promotions like free ringtones. The document encourages the reader to explore opportunities in mobile marketing.
Crowdsourcing is being used to improve risk assessments in mining by getting more perspectives from workers and end users. A website called Hazcrowd was designed to crowdsource safety information. It was trialled at a mining conference where it received over 500 entries, but also collected a lot of junk data and saw little collaboration or repeat visits. Another trial is being sought to further refine the approach.
This 3-sentence summary provides the key steps for adding images to an InDesign visual portfolio:
To add images to an InDesign visual portfolio, first open the portfolio and select the page to insert artwork on, then delete any placeholder images and place your own image files by selecting File > Place and choosing images from the Finished Work folder; images can then be resized to fit the frame proportionally by holding shift while dragging a corner, and centered by clicking and dragging the image itself rather than the center circle.
Regina drury firepole marketing presentationRegina Drury
Regina Drury is applying for an admin assistant position with Danny Iny. She has 2 years of experience running her own video production company which exposed her to various business aspects like marketing, sales, and bookkeeping. She also has skills in accounting, financial reporting, database creation, and video/audio production and editing. Regina emphasizes her adaptability, having learned new instruments and worked for various small businesses where she had to adjust to different environments. Her philosophy aligns with making business a force for good by focusing on caring, collaboration, and using profit to better the world.
This document provides an overview of basic preventive maintenance procedures for sputtering systems. It outlines the contents of a training manual for certifying operators to perform maintenance like physical vapor deposition kit and target changes. The goal is to decrease downtime of sputtering equipment by standardizing maintenance best practices and processes. Key steps include ensuring proper tool setup, cooling and venting the chamber, following step-by-step change procedures, checking for other maintenance needs, and conditioning the tool before returning it to production.
Samsung Pay is a mobile payment service that works with both NFC and magnetic secure transmission technologies, allowing it to be accepted in more retail locations than Apple Pay or Android Pay. It is easy to set up with participating cards and uses fingerprint authentication. While Apple Pay has a more streamlined user experience, Samsung Pay has a wider acceptance rate since it can pay even at older card readers. Overall, Samsung Pay is currently considered the most versatile mobile wallet.
This document provides an introduction to making money with mobile marketing. It discusses how mobile marketing is poised to become a huge opportunity due to the growth in mobile phone usage. Various mobile marketing strategies are covered, including SMS/text marketing which has been very lucrative in the past with promotions like free ringtones. The document encourages the reader to explore opportunities in mobile marketing.
Crowdsourcing is being used to improve risk assessments in mining by getting more perspectives from workers and end users. A website called Hazcrowd was designed to crowdsource safety information. It was trialled at a mining conference where it received over 500 entries, but also collected a lot of junk data and saw little collaboration or repeat visits. Another trial is being sought to further refine the approach.
This 3-sentence summary provides the key steps for adding images to an InDesign visual portfolio:
To add images to an InDesign visual portfolio, first open the portfolio and select the page to insert artwork on, then delete any placeholder images and place your own image files by selecting File > Place and choosing images from the Finished Work folder; images can then be resized to fit the frame proportionally by holding shift while dragging a corner, and centered by clicking and dragging the image itself rather than the center circle.
Regina drury firepole marketing presentationRegina Drury
Regina Drury is applying for an admin assistant position with Danny Iny. She has 2 years of experience running her own video production company which exposed her to various business aspects like marketing, sales, and bookkeeping. She also has skills in accounting, financial reporting, database creation, and video/audio production and editing. Regina emphasizes her adaptability, having learned new instruments and worked for various small businesses where she had to adjust to different environments. Her philosophy aligns with making business a force for good by focusing on caring, collaboration, and using profit to better the world.
This document provides an overview of basic preventive maintenance procedures for sputtering systems. It outlines the contents of a training manual for certifying operators to perform maintenance like physical vapor deposition kit and target changes. The goal is to decrease downtime of sputtering equipment by standardizing maintenance best practices and processes. Key steps include ensuring proper tool setup, cooling and venting the chamber, following step-by-step change procedures, checking for other maintenance needs, and conditioning the tool before returning it to production.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
The document describes characters from the Moomins universe. It contains descriptions of Moomin characters written by Finnish elementary school students. The characters described include Moomin Mum, Moomin Dad, Little My, Sniff, Hemuli, Hattivatti, and others. Each description provides details about the character's personality, appearance, friends, and family.
Presentasjon holdt for New Media Network (www.medianordix.com) 18. juni 2009.
Filmene i presentasjonen er klippet fra Googles wavepresentasjon. (wawe.google.com).
Deler hentet fra: http://smarterware.org/1955/the-google-wave-highlight-reel
Legg url-ene i nettleser for å se filmene. (Slideshare støtter ikke Tubechop-formatet, derfor slik.)
This document presents the results of a survey about children's eating habits in several European countries. The survey asked questions about breakfast consumption, snacks eaten during the day, eating salads and vegetables with meals, weekly fish consumption, weekly fruit consumption, and eating takeaways or at restaurants. Charts show the responses broken down by country for each question.
Oriveden Keskuskoulu - Christmas Greeting from PreschoolTiina Sarisalmi
A group of preschool pupils went on an expedition to find a Christmas tree in a primeval forest. They debated what tool to use to cut down the tree, and settled on a small blue saw recommended by their teacher. After passing by several trees that were too big, they found a suitable one and worked together to saw it down. The children enjoyed snacks and juice during their outing. They learned about elves that were thought to protect Finnish people in old times. The pupils thanked the forest for the Christmas tree and made a string of friendship to decorate and send to their friends.
Sustainable and responsible investing (SRI) integrates environmental, social, and governance factors into investment decisions to improve long-term returns while also considering an investment's societal impact. SRI recognizes that non-financial issues can influence corporate performance and risk. Boardwalk Capital helps clients customize SRI portfolios through individual stocks, funds, and separate accounts to meet financial needs and personal values. SRI indexes have provided competitive returns with lower volatility than the broader market.
Finnish baseball was developed from American baseball in the early 20th century. It gained popularity before World War II as a skill developed for the war. The game involves two teams hitting a ball and running between bases to score runs. It is played on a field with bases and home plate. Finnish baseball is part of physical education in schools, where it helps develop speed, fitness, accuracy, and team spirit.
The document describes characters from the Moomin books and television series through drawings and descriptions made by Finnish elementary school students. It introduces main characters like Moomin Mum, Moomin Dad, Little My, Snufkin, and others, providing details on their appearance, personality, friends, and family. The students translated their descriptions into English.
The document discusses the past, present, and future of electric vehicles and energy usage in the United States. It notes that in the early 1900s there were over 1 million electric vehicles on the road but that number declined significantly by the 1920s. Currently, the US imports over 40% of its oil and fuel economy standards are tightening. The document predicts that in the future, electric vehicles will see more aerodynamic designs, composite body panels, upgrades, and long-term ownership as battery technology improves and production costs decrease.
Boardwalk Capital Management is a registered investment advisory firm founded in 2009 that provides wealth management and financial advisory services with a focus on sustainable, responsible and impact investing. The firm aims to help clients navigate financial challenges and market volatility through a transparent fee structure, disciplined risk management, and diversified portfolios. Boardwalk Capital is a Certified B Corporation committed to incorporating environmental and social values into its services.
New Vibrations is a global staffing and services company specializing in telecommunications, IT, and rail sectors. Founded in 2005 in Portugal, it has since expanded to offices worldwide and provides consulting, outsourcing, and managed services. New Vibrations delivers technical specialists and project resources to clients in network design, deployment, support, and operations across telecoms, IT, and rail industries.
This document provides instructions for exporting an InDesign visual portfolio to a PDF file. It outlines locating and opening the InDesign file, resolving any missing image links, clicking "File" then "Adobe PDF Presets" to export it as a high quality PDF, saving the file in the Visual Portfolio folder with the student's name, and checking that folder for the exported PDF file.
The document describes springtime activities in a Finnish town. Students wear funny dresses and collect money for charity by walking on May Day. They eat doughnuts and drink sima juice in the colorful, balloon-filled school cafeteria as the snow melts, flowers bloom, leaves and grass grow, and various sports like basketball, football, and volleyball are played outside.
Running head BAKERY1BAKERY9DOLCE MAMMA BAKERY.docxhealdkathaleen
Running head: BAKERY 1
BAKERY 9
DOLCE MAMMA BAKERY
Cezar Almeida
Dr. Catrin Hechl Novak
12/8/19
Dolce Mamma Bakery
The paper explores a bakery business located in San Diego. The business name of the company is Dolce Mamma Bakery. The paper will explore the bakery in terms of functions and location. It will investigate the best price discrimination technique to acquire more clients while enabling the firm to make more profit. The study will calculate the Economic Order Quantity to examine the optimal order quantity to maintain for soft drinks. Also, it will analyze other aspects of business, such as bribery, false advertising, and protecting the company from copycats.
The Business
The name of the bakery is Dolce Mamma. Dolce Mamma will provide the best qualities and variety of fresh bakes, cakes, sweets, beverages, and homemade juices. The bakery located at San Diego-CA, specifically in the Pacific Beach area, where it has the most significant number of Brazilian who miss an excellent Brazilian fresh bake, sweets, salty and taste of Brazilian cuisine. Dolce Mamma bakery opened to the public to all ages, and social classes, mainly for people who enjoy a fresh-baked. The main products sold in the bakery include cakes, pies, bread, and pastries. The business will have their orders packed so that they can eat at home or any other convenient place. However, we shall have coffee, tea, milk, fresh juice, and soft drinks for the majority of the clients who would like to consume baked food at the beach. Dolce Mamma will employ qualified staff to cook delicious products. It will use a skilled bread-baker and a talented cake decorator for efficient products. Customer care is also an area of great concern and the employees will be efficiently trained to handle consumers complaints.
Price Discrimination
The best price discrimination to engage in a bakery is third-degree price discrimination (Allain, Chambolle, & Turolla, 2019). It entails charging a diverse price to different groups of clients. Dolce Mamma should put such discounts on bakery offers so that people get to know that the business cares about the particular groups. The company should give special discounts to members of a given group such as seniors, disabled, and students. The third-degree price discrimination helps to expand the market by selling the product to a group that wouldn’t buy if there were no such discounts such as the students. The action should not cause a bad feeling among clients who don’t fit in the discounted group because it doesn’t add the price of a good. Also, Dolce Mamma can split its market into off-peak and peak seasons. For example, the demand for cakes can be high during holidays when people are doing weddings. Thus, the bakery should find a way of charging high prices during peak time and charge low prices during off-peak.
The third-degree price discrimination is efficient for a bakery business because it helps it to understand the extensive chara ...
The document provides an overview of financial advising recommendations for individuals during different economic conditions. It discusses recommending that households have a minimum of 6 months of living expenses saved as a cash reserve. It also covers recommendations around different types of insurance, including term life insurance being preferable during economic downturns. The document includes examples of balancing investment across pre-tax, deferred tax, and 0% tax growth buckets. It concludes by summarizing two stock recommendations, Exxon and Verizon, for their stability and dividends.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
The document describes characters from the Moomins universe. It contains descriptions of Moomin characters written by Finnish elementary school students. The characters described include Moomin Mum, Moomin Dad, Little My, Sniff, Hemuli, Hattivatti, and others. Each description provides details about the character's personality, appearance, friends, and family.
Presentasjon holdt for New Media Network (www.medianordix.com) 18. juni 2009.
Filmene i presentasjonen er klippet fra Googles wavepresentasjon. (wawe.google.com).
Deler hentet fra: http://smarterware.org/1955/the-google-wave-highlight-reel
Legg url-ene i nettleser for å se filmene. (Slideshare støtter ikke Tubechop-formatet, derfor slik.)
This document presents the results of a survey about children's eating habits in several European countries. The survey asked questions about breakfast consumption, snacks eaten during the day, eating salads and vegetables with meals, weekly fish consumption, weekly fruit consumption, and eating takeaways or at restaurants. Charts show the responses broken down by country for each question.
Oriveden Keskuskoulu - Christmas Greeting from PreschoolTiina Sarisalmi
A group of preschool pupils went on an expedition to find a Christmas tree in a primeval forest. They debated what tool to use to cut down the tree, and settled on a small blue saw recommended by their teacher. After passing by several trees that were too big, they found a suitable one and worked together to saw it down. The children enjoyed snacks and juice during their outing. They learned about elves that were thought to protect Finnish people in old times. The pupils thanked the forest for the Christmas tree and made a string of friendship to decorate and send to their friends.
Sustainable and responsible investing (SRI) integrates environmental, social, and governance factors into investment decisions to improve long-term returns while also considering an investment's societal impact. SRI recognizes that non-financial issues can influence corporate performance and risk. Boardwalk Capital helps clients customize SRI portfolios through individual stocks, funds, and separate accounts to meet financial needs and personal values. SRI indexes have provided competitive returns with lower volatility than the broader market.
Finnish baseball was developed from American baseball in the early 20th century. It gained popularity before World War II as a skill developed for the war. The game involves two teams hitting a ball and running between bases to score runs. It is played on a field with bases and home plate. Finnish baseball is part of physical education in schools, where it helps develop speed, fitness, accuracy, and team spirit.
The document describes characters from the Moomin books and television series through drawings and descriptions made by Finnish elementary school students. It introduces main characters like Moomin Mum, Moomin Dad, Little My, Snufkin, and others, providing details on their appearance, personality, friends, and family. The students translated their descriptions into English.
The document discusses the past, present, and future of electric vehicles and energy usage in the United States. It notes that in the early 1900s there were over 1 million electric vehicles on the road but that number declined significantly by the 1920s. Currently, the US imports over 40% of its oil and fuel economy standards are tightening. The document predicts that in the future, electric vehicles will see more aerodynamic designs, composite body panels, upgrades, and long-term ownership as battery technology improves and production costs decrease.
Boardwalk Capital Management is a registered investment advisory firm founded in 2009 that provides wealth management and financial advisory services with a focus on sustainable, responsible and impact investing. The firm aims to help clients navigate financial challenges and market volatility through a transparent fee structure, disciplined risk management, and diversified portfolios. Boardwalk Capital is a Certified B Corporation committed to incorporating environmental and social values into its services.
New Vibrations is a global staffing and services company specializing in telecommunications, IT, and rail sectors. Founded in 2005 in Portugal, it has since expanded to offices worldwide and provides consulting, outsourcing, and managed services. New Vibrations delivers technical specialists and project resources to clients in network design, deployment, support, and operations across telecoms, IT, and rail industries.
This document provides instructions for exporting an InDesign visual portfolio to a PDF file. It outlines locating and opening the InDesign file, resolving any missing image links, clicking "File" then "Adobe PDF Presets" to export it as a high quality PDF, saving the file in the Visual Portfolio folder with the student's name, and checking that folder for the exported PDF file.
The document describes springtime activities in a Finnish town. Students wear funny dresses and collect money for charity by walking on May Day. They eat doughnuts and drink sima juice in the colorful, balloon-filled school cafeteria as the snow melts, flowers bloom, leaves and grass grow, and various sports like basketball, football, and volleyball are played outside.
Running head BAKERY1BAKERY9DOLCE MAMMA BAKERY.docxhealdkathaleen
Running head: BAKERY 1
BAKERY 9
DOLCE MAMMA BAKERY
Cezar Almeida
Dr. Catrin Hechl Novak
12/8/19
Dolce Mamma Bakery
The paper explores a bakery business located in San Diego. The business name of the company is Dolce Mamma Bakery. The paper will explore the bakery in terms of functions and location. It will investigate the best price discrimination technique to acquire more clients while enabling the firm to make more profit. The study will calculate the Economic Order Quantity to examine the optimal order quantity to maintain for soft drinks. Also, it will analyze other aspects of business, such as bribery, false advertising, and protecting the company from copycats.
The Business
The name of the bakery is Dolce Mamma. Dolce Mamma will provide the best qualities and variety of fresh bakes, cakes, sweets, beverages, and homemade juices. The bakery located at San Diego-CA, specifically in the Pacific Beach area, where it has the most significant number of Brazilian who miss an excellent Brazilian fresh bake, sweets, salty and taste of Brazilian cuisine. Dolce Mamma bakery opened to the public to all ages, and social classes, mainly for people who enjoy a fresh-baked. The main products sold in the bakery include cakes, pies, bread, and pastries. The business will have their orders packed so that they can eat at home or any other convenient place. However, we shall have coffee, tea, milk, fresh juice, and soft drinks for the majority of the clients who would like to consume baked food at the beach. Dolce Mamma will employ qualified staff to cook delicious products. It will use a skilled bread-baker and a talented cake decorator for efficient products. Customer care is also an area of great concern and the employees will be efficiently trained to handle consumers complaints.
Price Discrimination
The best price discrimination to engage in a bakery is third-degree price discrimination (Allain, Chambolle, & Turolla, 2019). It entails charging a diverse price to different groups of clients. Dolce Mamma should put such discounts on bakery offers so that people get to know that the business cares about the particular groups. The company should give special discounts to members of a given group such as seniors, disabled, and students. The third-degree price discrimination helps to expand the market by selling the product to a group that wouldn’t buy if there were no such discounts such as the students. The action should not cause a bad feeling among clients who don’t fit in the discounted group because it doesn’t add the price of a good. Also, Dolce Mamma can split its market into off-peak and peak seasons. For example, the demand for cakes can be high during holidays when people are doing weddings. Thus, the bakery should find a way of charging high prices during peak time and charge low prices during off-peak.
The third-degree price discrimination is efficient for a bakery business because it helps it to understand the extensive chara ...
The document provides an overview of financial advising recommendations for individuals during different economic conditions. It discusses recommending that households have a minimum of 6 months of living expenses saved as a cash reserve. It also covers recommendations around different types of insurance, including term life insurance being preferable during economic downturns. The document includes examples of balancing investment across pre-tax, deferred tax, and 0% tax growth buckets. It concludes by summarizing two stock recommendations, Exxon and Verizon, for their stability and dividends.
The document discusses misleading advertisements and the Consumer Protection Act of 1986. It provides an example of a misleading advertising case against Red Bull in 2013, where consumers sued over false claims that Red Bull could boost performance. Red Bull settled by offering $10-15 refunds to customers since 2002, while denying wrongdoing. The conclusion calls for clearer comprehensive advertising laws and regulations in India, stiffer penalties for misleading ads, mandatory ASCI membership for major advertisers, and cautious implementation of new advertising regulations.
Payment protection insurance (PPI) is intended to cover loan or credit card repayments if the person becomes unemployed, sick, or has an accident. However, there have been many cases where PPI was mis-sold by lenders without customers' knowledge or consent. If a person was mis-sold PPI, they may be able to reclaim thousands of pounds. People should check their credit agreements for any PPI they are paying for and consider making a claim through a claims management company, who can assess if a person is eligible for compensation from mis-sold PPI.
The document discusses the removal of price controls on BT Group's landline rental and call charges in the UK. Ofcom, the communications industry regulator, decided to scrap the four-year old retail pricing regime, allowing BT to cut prices to compete with cheaper rivals. This reflects the growth of competition in the UK telecommunications market from providers like cable companies, resulting in falling prices for customers.
A successful life insurance company in 2020 will need to focus on keeping promises and guarantees. It will need to choose appropriate risks to insure and develop products that customers find attractive. It will also need to carefully manage assets and liabilities to fund guarantees until they are due. Finally, it will be critical that the company is able to deliver on the promises it has made, even as the world faces financial and demographic challenges. Keeping promises will distinguish successful insurers from those that do not survive.
This is a copy of a wireless whitepaper I wrote back in 2004. If you\'d like addtional information, please contact me at bill@alterseekers.com or (646) 867 - 2252. Thanks!
Business Quarterly - Making The Most Out Of Your BusinessEvalsam O
BQ - Issue 2 gives insight on how to use your business loss effectively and how to start a business quickly post covid-19 pandemic. There is a feature to inform you on how your mental health can affect the bottom line in your business.
BQ provides important business and industry specific news and snippets, with many engaging features, as well as marketing tips to help position your business as we emerge from
this pandemic.
This document provides information about a mobile phone loading business opportunity through VMobile. It details how individuals can purchase a franchise or dealership starting from PHP 3,988, then generate income through recruiting other retailers and dealers, selling prepaid cards, and receiving bonuses and commissions on sales. The document claims that with modest recruitment of just a few others, individuals could earn tens of thousands of pesos within a few months. It aims to convince readers of the low startup costs and high income potential of pursuing this opportunity.
This document provides information about building recurring income through network marketing. It discusses choosing a reputable network marketing company with a proven track record, high-quality consumable products, a fair compensation plan, training support, and a large market reach. Successful network marketers recruit others to their downline to generate ongoing commissions from sales. The document emphasizes studying a company's compensation plan closely to avoid deceptive practices and advises aligning with experienced uplines for mentorship and support.
NEW PRODUCT DEVELOPMENT PROCESS THERMO MOBILE MARKETING MGT Rashid Gorsi
This document outlines the new product development process for a mobile phone that charges via human body temperature.
The key steps are:
1) Idea generation through internal and external sources led to the idea of a phone charging from body heat to address energy crises.
2) Idea screening selected this concept as the most suitable due to low cost and benefits during power outages.
3) Concept development added a "Power Felt" sensor to existing phones to harness temperature differences and charge the battery using body heat between 98-100°F. Testing with customers yielded positive results.
DSGi is the leading European specialist retailer of consumer electronics operating major chains like Currys, Dixons, PC World and The Link. It has over £7 billion in annual sales with a third coming from international stores. The document discusses DSGi's strategy to expand across Europe and its product range. It also outlines the company's mission of "Being the Best" by operating with honesty, outstanding customer service, respecting colleagues, continually improving and working together to beat competition.
- Insurance fraud is a major problem costing billions annually in countries like the US, UK, France, and South Africa. This leads to a lack of trust between customers and insurers with many customers perceiving insurers as unwilling to pay valid claims.
- Kupukoo is an insurtech startup that aims to restore trust in insurance using three digital levers: peer groups, automated claims decisions, and incentives. It operates as a mobile app that uses AI to group customers and automate claims processing to reduce fraud and improve trust.
- By pooling together customers with similar interests in peer groups and giving them a role in claims decisions, Kupukoo seeks to address the conflict of interest between ins
Misleading Advertisement And Their Impact On Consumers Trust.pptxMohammadRasel46
This document summarizes a presentation about misleading advertisements and their impact on consumer trust. It discusses how advertisements sometimes provide inaccurate or misleading information about products. It provides examples of types of misleading claims, such as incorrect ingredients or exaggerated product sizes. The presentation also examines how manufacturers mislead consumers through unfair contract terms, improper use of customer data, and misleading digital ads. Several brands are called out for claims about their products that have been found misleading. The presentation recommends that consumers be cautious of advertising claims and report misleading ads to authorities to protect trust in the marketplace.
Payment protection insurance (PPI) policies were often mis-sold by banks and lenders, who did not properly explain what the policies covered or lied that they were compulsory. An investigation found widespread mis-selling that unfairly profited providers. New rules now require providers to compensate customers for mis-sold policies. The website offers to determine if a customer was mis-sold a PPI policy and help them claim compensation.
This document summarizes the Spring 2015 issue of the Purple News newsletter from Nine Wholesale. Key points include:
- The Managing Director Nick Webster welcomes readers and announces a new office location and racing sponsorship.
- Ofcom plans changes to broadband switching and non-geographic telephone numbers that partners need to be aware of.
- The Group Marketing Director discusses storytelling lessons from actor Kevin Spacey's keynote about creating engaging content.
- The Group Commercial Product Director analyzes Apple's ecosystem approach and what partners can learn.
- Openreach trials new 500Mbps copper connection technology and seeks partner feedback.
Though the COVID-19 pandemic has created uncertainty across every facet of society, one thing is clear: The world will never be the same again. Here are five predictions on how marketing could evolve after the pandemic ends.
How to Earn Big Profit Online , Even If you have no products, NO Websites and NO Experience!
Recurring Income Secrets
“Fool Proof Strategies on How to Succeed in Internet Marketing
and Build Your Own Cash Pipeline!
Similar to 10 Forecasts Bangladesh Telco Industry (20)
Bangladesh’s Rice production is right on the equilibrium between demand and supply. However, this is a notable achievement for Bangladesh. Yet, in order to maintain this achievement and growing, Bangladesh has to immediately address the population issue, adopt policy to strict the conversion of arable land to non-arable activities, to have focused usage policy of natural gas adhered to agriculture, and moreover finding new technology for irrigation and replacing the usage of underground water. Unless, these issues are addressed in immediate effect, today’s Food Security in Bangladesh may not prevail for long.
The document discusses international trade trends for Bangladesh and compares it to global and regional trade patterns. It finds that while Bangladesh's trade has grown, it is becoming more dependent on exports to large developed economies like the EU and US, making it vulnerable to economic downturns in those markets. Recent forecasts project Bangladesh's economic growth will slow to around 6% in the next two years due to declining demand from its major export partners in Europe and North America as they continue to struggle with economic crises.
Economic Reform and Trade Liberalization- Story of IndiaANM Farukh
India began pursuing economic reforms and trade liberalization in 1991, moving from a protectionist to a mixed economy. Over the past 20 years, India has focused on restructuring its financial system and liberalizing trade and foreign direct investment. This has helped transform India into one of the world's most powerful emerging economies. However, challenges remain in further improving governance, reducing obstacles for foreign-invested enterprises, and continuing economic and financial reforms.
A blogger wrote some objectionable and false arguments against a person, who was my Teacher. I stand here to protest that blog author's arguments. The Content is in Bangla. If you face Font problem, please download a Bangla Open Source Font from Microsoft, named Vrinda.
Did we all around the globe sit down together and decide to follow Capitalism? Was Capitalism in the same form since beginning than now? In fact, it would be unrealistic to say that we decided to pick Capitalism. We just derived into it. And the concepts, forms and philosophy of Capitalism evolved over time.
.........................
Dr. Alan Greenspan, Lawrence
Summers from Harvard, Austan Goolgbee, US President’s Council of Economic Advisors are few of the thinks tanks attending the gathering (October 2011).
...................
How is then the New of Form of Capitalism going to shape like? If we recollect from the beginning paragraph, we notice, one of the major advantages of Capitalism was conceived to be “Less Control of Government over markets”. The New Capitalism is believed to start changing its current hue from this point.
............................
Why would Formative Capitalism would survive during recession and depressions? And why should we believe that to? The simplest reason is: because the performance of Formative Capitalists
isn’t just countercyclical, skyrocketing during the downturn and then collapsing.
1. The document discusses the scope and importance of research and development (R&D) for a bank.
2. It explains that R&D can provide information about stakeholders like customers, investors, employees, suppliers, and authorities to keep top management informed.
3. R&D can do this through surveys, research, and data analysis to create opportunities and ensure profit targets are met.
1) Malaysia has a vision called "Vision 2020" where the country aims to become a developed nation like America by the year 2020. This vision is widely known and supported by Malaysians from all walks of life.
2) The vision aims to foster a common set of social and cultural values among Malaysia's multi-ethnic population of Malays, Chinese, Tamils to promote national unity and development.
3) Research has found that bacterial toxins from E. coli bacteria that cause diarrhea may also slow the growth of colon cancer cells, offering a potential new treatment approach.
A manager must be an effective leader by maintaining good human relationships with employees, delegating authority, making structured decisions, articulating a clear vision, and motivating employees. Specifically, the manager should know employees, trust them, not micromanage, develop policies from unstructured situations, delegate repetitive tasks, communicate the organizational vision enthusiastically, and be especially careful to motivate employees in a saturated job market where replacing staff is difficult. Effective leadership requires balancing management duties with developing people.
1) Stress testing is a technique used to determine the impact of exceptional but plausible risk factor changes on a financial institution's assets and liabilities. It helps quantify vulnerabilities and ensure sufficient capital.
2) Bangladesh Bank has designed a stress testing framework for banks and financial institutions to proactively manage risks. The initial framework focuses on simple sensitivity and scenario analysis of interest rates, collateral values, non-performing loans, stock prices, foreign exchange rates, and liquidity.
3) Banks and financial institutions must conduct stress tests semiannually using minor, moderate and major shock scenarios for each risk factor. Results must be submitted to Bangladesh Bank for oversight of the financial system's resilience.
The International Chamber of Commerce (ICC) is the world's largest business organization, representing over 6 million companies in over 100 countries. It aims to promote trade, open markets, and the free flow of capital globally. ICC activities include international commercial arbitration, setting standards for international trade, and advocating on behalf of business to intergovernmental organizations. It was founded in 1919 and is based in Paris, with national committees providing a direct link to governments worldwide.
1. The document discusses financial inclusion, which aims to provide affordable financial services to disadvantaged and low-income groups. It has become an objective for many central banks in developing nations.
2. Financial inclusion efforts in Bangladesh aim to provide basic financial services to 80% of the adult population through regulated microfinance institutions and cooperatives. The remaining 20% is being targeted through innovative partnerships.
3. The main goals of financial inclusion according to the UN are access to financial services like savings and credit at reasonable cost for all households and enterprises, sustainable institutions guided by standards and regulation, and multiple providers to offer alternatives.
1) When selecting a CSR initiative, choose a problem that affects many people and has challenged society for a long time, rather than a small, localized issue.
2) Make sure the problem is relevant to your brand's image and values. Consider how the initiative aligns with your brand promise.
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Basic Forecasts for BD Telecom Sector
Seth Godin’s (2005) one of the bestseller is All Marketers are Liars. He came up with a
new hypothesis of storytelling by marketers. According to him, “Successful marketers
don’t tell the truth. They don’t talk about features or even benefits. Instead, they tell a
story. A story we want to believe. And, if they do it right, we believe them. We believe
that wine tastes better in a $20 glass than a $1 glass. We believe that an $80,000
Porsche Cayenne is cooler than a $36,000 VW Touareg, which is virtually the same car.
We believe that $225 Pumas will make our feet feel better than $20 no‐names... and
believing it makes it true.”
While Seth Godin begins with the disarming premise that marketing people are liars, he softens that premise
by stating that marketers are story tellers. Good marketers are story tellers, and like all great tales, myths, and
fiction, the facts are not essential. However, in my country like many other sectors, at Telecom sector too; we
find that Seth Godin’s theory is applied; knowingly or unknowingly; but they translate the subject as it is and
emphasizes on the Liar part, instead of storytelling. They believe telling a LIE to consumer is their sole purpose
or the only way to sell the product or service!
Conditions Apply: My Dear Telecom Operators, you already got me to sign on pieces of papers six
times on both sides of a three pages form to accept innumerable Terms and Conditions, printed in such a small
font which is almost impossible to read. Moreover, during the purchase of a SIM, the seller on the booth gives
an impression “please sign as quick as possible” and “They never utter a single word about the Terms
and Conditions”. There are already so many terms and conditions like, the buyer agrees to everything; even
to something like; I agree to accept future terms and conditions that may come up”; then again, why do
you show up like “Conditions Apply” at different communication materials?
Well, if there are additional conditions, which will compel bound us (the consumers), why don’t you use bold
and bigger fonts for “Conditions Apply” – and why do you add this when this is a redundant clause to the so
called list of Terms and Conditions paper where we already signed to agree? Is it because, the additional
condition is not actually condition; it’s only an attribute of the given offer/feature/value added service – which
seems to whisper to readers – “Look, this is too good a thing to refuse but the limitations are …….”
These limitations, marketers of the Telecom Operators, now hide inside an envelope of “Conditions Apply”.
This is nothing but a lie and exaggeration and re‐iteration of the so called Terms and Conditions.
I do hereby Forecast that, one day, the ads will appear with bold caption reading like “No
Conditions” or “Condition Free”, because, the more consumers get educated, the more
they find the LIE at the envelope of “Conditions Apply”; if the Telecom Marketers still
continue to lie the consumers, there is no doubt that they would lay them down.
Ownership of Number: In the first world, the SIM number has been declared as a
consumer’s property, not of the service provider’s. This is called “Mobility of Numbers”. Days are not
far when it happens in BD too, the LIARS will then find users switching providers as an immediate
effect of the lying (inside envelop).
I do hereby make Forecast that, by the time, the SIM number becomes consumers’
property, learning rate of the consumers would be so high that through WOM (Word
of Mouth) and Social networks, the news will spread like an epic and the switching rate
will be at exponential function.
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Unsolicited Spam SMS: Why do you (The Telecom Operators) try to sell Vandam’s Wallpaper
sending unsolicited SMS; while maybe; I am preparing for a prayer? Who gave you the authority to take my
time and attention – while in this overflowed world of information, time is a luxury and attention is
fragmented at every millisecond for ads from different sources? Did I request you to update me about your
latest offers? Why do you send location based discount message to postpaid users while it is applicable for
only prepaid users? As par common international practices, unsolicited SMS that you send are spam, until
consumers approve receiving them.
I do hereby make Forecast that, when we the consumers would be very much
irritated and rage out on the unsolicited SMS issue; you would realize that, it is
minimum courtesy to take consumers’ permission before sending them unsolicited
SMS. You would very soon be doing that by making phone calls and collecting
consumers’ preferences regarding unsolicited SMS. After all you cannot dump
whatever may bring you profit and snatch my time and attention.
Courtesy on Consumers’ Money: When a consumer calls at a Customer Care of a Cell Phone
Operator, s/he meets a parrot who has been programmed to start the conversation like ”Good Morning Sir,
……. Thank you for calling us…..” the consumer may feel WOW when they greet. Aha! Someone is over there in
the paranoid city of Dhaka, who has time to wish and talk to me (the consumer) as if they were known for
years. Shanti! Shanti! However, all peaces get vaporized when Consumer learns that, the Telecom Agent shows
courtesy at consumers’ money!! What hypocrisy!! If the Operators are truly courteous, why don’t they pay at
least for the courtesy part of the call; if not for the full call?
Well, during one single call of 1 minute, this courtesy part is almost 15 seconds on an average. As of May 2011,
BTRC site says total active subscriber of the country is 75.484 million. If a random figure of 15% of total
subscribers make a single call to their call centers, for one minute each, and if it costs BDT 1.0 (on industry
average), now see the figures : 75.484 million x 15% x BDT 1.0 x seconds = BDT 2.83 million.
And if suddenly on a specific day, 20% of the consumers make the call; consumers need to pay BDT
3.78 million and if it’s 25%, it’s almost 5.0 million, which means in simple Bangla, 50 lac taka. Who
pays this 50 lac taka in a single day? Why?
Can’t the operators pay for the courtesy they show to the loyal but unaware consumers? Operators
behave courteous to their consumers for the expense of the consumers. What an idea!
I do hereby Forecast that, operators will soon realize that, phone calls made to Call Centers
must be fully free. And I am expecting to see ads like: “Call Us for Free”. There will be rise of
TOLL‐FREE Numbers.
Waiting Time on Hold: How long does the Call Center keep on hold while we make a call to Call
Center? If the call center parrot agents at the call center are not sufficient in number or if the IVR cannot
handle all the call load at a given point of time, we need to wait on hold and hear that “Your call is very
important for us….”. If, average waiting time per call is 45 seconds. Then how much time do operators keep
people waiting? 75.484 million x 15% x 45 seconds ≈ 509,517,000.00 seconds ≈ 8,491,950.00 minutes ≈
141,532.50 hours ≈ 5,897.19 days ≈ 16.38 years ≈ 1.64 Decades !! These are kind of hidden charges, which
is marginally low but in macro volume very high, is a kind of falsification or the LIE.
I do hereby make Forecast that, consumers are not dumb and will not remain so for ever
after. Therefore, this kind of falsification will not sustain – nor will thy BRANDS. Therefore,
sooner or later, we shall see TVC (TV Commercials) and print ads which would read like this:
• Our Call Center is Free: No waiting Charge : No call charge
• Only 10 seconds Queue at our Helpline, or
• The Shortest waiting line at our Help Line / Customer Care
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“Cell phone usage is injurious to your ears and brains”
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Usage Hazards: Using cell phone for a longer �me, brings us headache ads to exis�ng stress level and for
some people, it brings damage to ears. The preceding sentence is not yet scien�fically proved as 100%.
However, nico�ne is also not the only cause for carcinoma. Yet, nico�ne products (cigare�e), need to emboss
warning of health hazards on its pack as par country regula�ons.
I do hereby make Forecast that, Cell phone operators will have to mandatorily men�on
about its expected health hazards, which will start at the first world and would arrive at the 3rd
world when manipula�ng the authority and fooling the consumers would be over and they
would do it as a “must do to survive”. Sample warning cap�ons may read like this:
I Forecast that, within five (05) years this warning will be made mandatory in the first world and at best
within ten (10) years at the third (3rd
) world.
Validity Period: Once there was a �me consumers had to take a 300 Taka shot every 03 weeks to keep
their cell phones alive. It’s almost like taking an essen�al drug or life saving drugs at a fixed interval. A�er the
03 weeks, though consumer had a balance at his/ her account, could not use the phone un�l next recharge.
Now, that phase has been bold out by entry of compe�tors into the market. The same ghost of validity is s�ll
there; for different packages of ‘Internet Usage’. Can I ask my operator if I buy 1GB of data from you, why
can’t I use it at my convenient �me? On what laws of the world operators make one bound to use it within
validity period? It is something like, someone buys 05 KG of rice and s/he must consume them within a fixed
�me. What a condi�on!!
I do hereby make Forecast that, Cell phone operators will have to remove the ghost of
Validity Period very soon as the consumers get aware about the ma�er. We just need consumer
awareness on the issue. Even, operators may spend money to publish ad to let us know that,
they had been kind enough to remove the validity period for internet usage.
Itemized Bill for All: Since no system in the world is 100% error free, then why all the prepaid phone
users should assume that their bills are perfect? Postpaid users can obtain an itemized bill for a charge (which
is again a hidden charge and illogical). However, the prepaid users can’t ask for an Itemized Bill like postpaid
user. Recently one operator started this in Bangladesh for prepaid users.
I do hereby make Forecast that, all cell phone operators will have to allow the prepaid
users to obtain their Itemized Bill. Gradually, the charge for itemized bill will also be
evaporated. Currently the bills or itemized bills for postpaid users do not show when and how
much money has been recharged. Operators show itemized calls but not the payment details.
My forecast suggests that operators will have to show that too, as no system is 100% error free.
Online SMS Service:
I do hereby make Forecast that, very soon, all operators will have to offer Online SMS
Service with minimum 5 MB (start up) space where all inbox-dra�-sent items will be stored,
including phone books, emails and other medias. The said 05 MB storage space will increase
with the increase of MMS usage among consumers. Unfortunate for consumers is, the
operators will charge for the online service and the storage space. And they will ask separate
charges for Online Service and addi�onal storage space. The funniest thing in this online service
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would be the usual hos ng service or online storage space providers will get shy of the pricing charged by the
operators for online space. Gradually, due to comp on, the operators will start lowering prices and in 3 to 5
years of period, they will offer Gigabyte space for free. And that me, the ve edge would be
bandwidth of online space and security.
True and False in Marke ng
I do hereby make Forecast that, over me, consumer learning speeds up and more
consumer learning enhances quicker sharing of informa on. Final forecast for this
cle is, if the operators lie to the consumers (in any form), consumers will lay them
down. Moreover, the more Operators would try to hide a nega ve a ribute of its
product or service, the more it will spread; when efficient consumer learning and
informa on sharing would prevail there.
The Last Words:
In conclusion, I intend to remind that, in last May 2011, at an IT magazine I wrote about the future of Mobile
Phones and how the mobile phone is going to change our life style and going to be a part of our lives. At the
same cle, I also wrote the world is moving towards “Apponomics”; which is used to mean “Economics of
Applica on”. In near future main profit juice would be absorbed by the different applica on developers or
group of developers. No more the Telecom Industry will be ruled by the Operators. Operators will work simply
as a hose pipe to flow the data from one end to the other. This is the simple truth and current a tude of the
operators reflect that they are yet to realize the truth. The earlier the operators will realize and act on this, the
sooner their terms & condi on, validity lock or hidden charges etc. will evaporate.
However, the paradigm shi will start from the point when the mobility of numbers will be allowed.
In this regard, BTRC has a vital role to play. We expect that the BTRC and concerned GOB ministry
will take the issue with utmost importance for the social welfare.
Authors:
ANM Farukh, Researcher & Analyst
Contact: Farukhrana@Gmail.com
KM Aziz, Researcher
Contact: Monsurulaziz@Gmail.com
Notes:
We communicated famous and truth speaking several Daily Newspapers (English) in Dhaka for publishing this
as an opinion content. However, we concluded that, the newspapers live on adve ment & Cellular companies
are major stakeholders.
Further to note, we think we buy news every morning, but newspapers sell news as the cream sandwitched by
now that!
If readers do find any similarity of Telco offers with theforecasts, please share with us, it would be a pleasure.
December, 2011
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