The document outlines a strategy for building an effective online banking ("eBanking") value proposition for community banks. It proposes following 7 commandments: 1) listen to and respond to customers, 2) provide personal touch, 3) seamless assistance, 4) let customers customize tools, 5) provide tools to manage money, 6) integrate social networking, and 7) encourage viral marketing. Tactics would include website design, marketing analytics, and social media integration to help banks maximize their online presence and better serve customers.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
In this presentation, we look at this issue, the steps the banking community need to get right to engage with modern consumers and how to develop powerful mobile—based propositions that people actually want to use.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
In this presentation, we look at this issue, the steps the banking community need to get right to engage with modern consumers and how to develop powerful mobile—based propositions that people actually want to use.
Mobile Wars: Fintech vs. Banks... and Big Tech in AmbushKatia Bazzocchi
Pure mobile banks gain users daily, as they benefit from accessible smartphone technology. Millenials are the principal users of mobile banks, and will soon be followed by Generation Z. As consumer expectations continue to be shaped by new technology and innovative consumer affairs, a full mobile strategy is key for traditional banks to maintain market share.
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Innovating banking: Lessons from the world’s leading innovators Pauline Mura
Banking is at a crossroads. Banks today are confronting increasing regulation and compliance
costs, an alarming rise in security and fraud, and more ardent customer demands – all as a
result of innovative new technologies and the emergence of aggressive, non-traditional
competitors. For many banks, profits are stagnating.
1
Regulators are stepping up enforcement across a number of areas, including consumer
protection, anti-trust, money-laundering, foreign-exchange trading and sanctions violations.
Cyber security has risen to the top of the risk agenda at financial institutions of all sizes, with
banks’ integral role in payment ecosystems leaving them entangled in the often messy
aftermath of security breaches and consequent economic and reputational loss.
To redress challenges in financial performance, banks continue to seek operational
efficiencies – simplifying operations, searching for scale efficiencies and rationalizing branch
networks. But cost savings are not enough. Generating new revenues will depend upon much
better understanding of customer demands, with banks needing to embrace novel ways of
penetrating deeper into the lives and habits of both retail and business customers
Mobile Money Agent Network Development in HaitiNetHopeOrg
The Payment Innovations working group welcomed Nick Lesher of Open Revolution (www.openrev.com) to speak with Cameron Peake of Mercy Corps (www.mercycorps.org) on their experiences with mobile money agent network development in Haiti. We examine how NGOs can play a role in the development of healthy and sustainable mobile money agent networks.
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
Mobile Financial Services for the Next Billion Customers - Mobile Payments Se...Menekse Gencer
Mobile Payments Series Kickoff by mPayConnect. Co-hosted by Wharton MBA and HBS Tech Alumni Clubs in the San Francisco/Bay Area on Sept. 3, 2009. Author: Menekse Gencer
Using Mobile Money to Promote Financial Inclusion in PakistanKarandaaz Pakistan
This work provides an overview of the state of financial inclusion in Pakistan along with the mobile financial services industry, and points to specific opportunities which, if capitalized upon, could improve m-wallet uptake. Published for the first time in Pakistan, the deck brings together information from both national and international data sets and reports on financial inclusion and mobile money.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
Held in Bali, Indonesia, the “Mobile Banking and Payments for Emerging Asia Summit 2012” gathered many thought leaders from the telecommunications and banking industries; unveiling the potential of mobile channels penetrating Asia’s emerging markets. Spire Research and Consulting was honored to be invited as a post-conference workshop leader at this prestigious event.
Representing Spire Research and Consulting, Jeffery Bahar, Deputy Chief Executive Officer and Yap Far Loon, Business Development Director, Telecommunication, led a post-conference workshop in the “Mobile Banking and Payments for Emerging Asia Summit 2012” held in Bali, Indonesia. The event brought together many eminent industry experts and marketers from the telecommunications and banking industries – highlighting the potential of mobile banking and payments in emerging economies.
Read more about the event coverage here:
http://www.spireresearch.com/newsroom/events/spire-joins-mobile-banking-and-payments-for-emerging-asia-summit-2012-as-workshop-leader/
Een brede scholenkluster in Kuregem als activator van een strategisch stadspr...Els Brouwers
Elk jaar reikt de Vlaamse Vereniging voor Ruimte en Planning (VRP vzw) de Afstudeerprijs uit aan een (of meerdere) inspirerend(e) eindwerk(en). Voor de editie 2013 werden 22 eindwerken ingezonden. Vijf daarvan stroomden door naar een tweede ronde, waaronder dit eindwerk van Els Canini (VUB): Een brede scholenkluster in Kuregem als activator van een strategisch stadsproject. Dit is de presentatie van Els tijdens de tweede ronde.Uiteindelijk wonnen Jeroen Stevens, Jonas Knapen (KUL) en Karel Van den Berghe (UGent) de VRP-Afstudeerprijs 2013. Het volledige juryverslag is te vinden op www.vrp.be.
Mobile Wars: Fintech vs. Banks... and Big Tech in AmbushKatia Bazzocchi
Pure mobile banks gain users daily, as they benefit from accessible smartphone technology. Millenials are the principal users of mobile banks, and will soon be followed by Generation Z. As consumer expectations continue to be shaped by new technology and innovative consumer affairs, a full mobile strategy is key for traditional banks to maintain market share.
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Innovating banking: Lessons from the world’s leading innovators Pauline Mura
Banking is at a crossroads. Banks today are confronting increasing regulation and compliance
costs, an alarming rise in security and fraud, and more ardent customer demands – all as a
result of innovative new technologies and the emergence of aggressive, non-traditional
competitors. For many banks, profits are stagnating.
1
Regulators are stepping up enforcement across a number of areas, including consumer
protection, anti-trust, money-laundering, foreign-exchange trading and sanctions violations.
Cyber security has risen to the top of the risk agenda at financial institutions of all sizes, with
banks’ integral role in payment ecosystems leaving them entangled in the often messy
aftermath of security breaches and consequent economic and reputational loss.
To redress challenges in financial performance, banks continue to seek operational
efficiencies – simplifying operations, searching for scale efficiencies and rationalizing branch
networks. But cost savings are not enough. Generating new revenues will depend upon much
better understanding of customer demands, with banks needing to embrace novel ways of
penetrating deeper into the lives and habits of both retail and business customers
Mobile Money Agent Network Development in HaitiNetHopeOrg
The Payment Innovations working group welcomed Nick Lesher of Open Revolution (www.openrev.com) to speak with Cameron Peake of Mercy Corps (www.mercycorps.org) on their experiences with mobile money agent network development in Haiti. We examine how NGOs can play a role in the development of healthy and sustainable mobile money agent networks.
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
Mobile Financial Services for the Next Billion Customers - Mobile Payments Se...Menekse Gencer
Mobile Payments Series Kickoff by mPayConnect. Co-hosted by Wharton MBA and HBS Tech Alumni Clubs in the San Francisco/Bay Area on Sept. 3, 2009. Author: Menekse Gencer
Using Mobile Money to Promote Financial Inclusion in PakistanKarandaaz Pakistan
This work provides an overview of the state of financial inclusion in Pakistan along with the mobile financial services industry, and points to specific opportunities which, if capitalized upon, could improve m-wallet uptake. Published for the first time in Pakistan, the deck brings together information from both national and international data sets and reports on financial inclusion and mobile money.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
Held in Bali, Indonesia, the “Mobile Banking and Payments for Emerging Asia Summit 2012” gathered many thought leaders from the telecommunications and banking industries; unveiling the potential of mobile channels penetrating Asia’s emerging markets. Spire Research and Consulting was honored to be invited as a post-conference workshop leader at this prestigious event.
Representing Spire Research and Consulting, Jeffery Bahar, Deputy Chief Executive Officer and Yap Far Loon, Business Development Director, Telecommunication, led a post-conference workshop in the “Mobile Banking and Payments for Emerging Asia Summit 2012” held in Bali, Indonesia. The event brought together many eminent industry experts and marketers from the telecommunications and banking industries – highlighting the potential of mobile banking and payments in emerging economies.
Read more about the event coverage here:
http://www.spireresearch.com/newsroom/events/spire-joins-mobile-banking-and-payments-for-emerging-asia-summit-2012-as-workshop-leader/
Een brede scholenkluster in Kuregem als activator van een strategisch stadspr...Els Brouwers
Elk jaar reikt de Vlaamse Vereniging voor Ruimte en Planning (VRP vzw) de Afstudeerprijs uit aan een (of meerdere) inspirerend(e) eindwerk(en). Voor de editie 2013 werden 22 eindwerken ingezonden. Vijf daarvan stroomden door naar een tweede ronde, waaronder dit eindwerk van Els Canini (VUB): Een brede scholenkluster in Kuregem als activator van een strategisch stadsproject. Dit is de presentatie van Els tijdens de tweede ronde.Uiteindelijk wonnen Jeroen Stevens, Jonas Knapen (KUL) en Karel Van den Berghe (UGent) de VRP-Afstudeerprijs 2013. Het volledige juryverslag is te vinden op www.vrp.be.
While traditional banks contend with inflexible legacy IT systems, the transformational ones deploy Agile methods to significantly reduce their time to value and make the organization more flexible as a whole.
Transformation is difficult and digital transformation is even harder.
Digital Banking: Enhancing Customer Experience; Generating Long-Term Loyalty ...Cognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels and begin making meaning from valuable trails of digital information.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
Going Digital: What Banking Leaders Need to KnowCognizant
To compete in the digital era, banks need to embrace data, put customers first and manage organizational change -- three concepts, one payoff. Here's how your bank can put it all together.
Retail Banking: Delivering a Meaningful Digital Customer ExperienceCognizant
To compete effectively, banks must fully adopt digital technologies to enhance customer experience, by providing mobile banking, omni-channel banking options, digital personal financial management, and more.
Digital Transformation in Banking Financial Services Industrysethnainaa
Digital Transformation is more than just moving from traditional banking system to
a digital one. It is a vital change in how banks and other financial institutions learn
about, interact with, and satisfy customer’s needs. The age of “Customer is King”
has truly arrived.
Digital Transformation in Banking Financial Services Industrydrishtipuro1234
Digital Transformation is more than just moving from traditional banking system to a digital one. It is a vital change in how banks and other financial institutions learn about, interact with, and satisfy customer’s needs. The age of “Customer is King” has truly arrived.
Enhancing Customer Experience through Loan Origination System (1).pdfHabile Technologies
Guaranteeing a spectacular customer experience, CloudBankIN allows lenders to i) Automatically disburse loans within 2 minutes, ii) Disburse low ticket loans without any human intervention, iii) Capture the right user data and manage heavy-duty documentation with ease.
Perspective- Multi Channel Banking: A Five Point Strategy Infosys Finacle
The last two decades have witnessed a paradigm shift in the way people bank. While the shift from branches to ATM based cash withdrawals and from there on to internet banking was slow, it has been a different story in the case of mobile banking. The growth in adoption of mobile banking over the last three years has been tremendous. Many banks have rolled out internet banking, mobile banking, call centers, ATM based transactions and video banking. But, have banks moved from multiple channels to true multi-channel banking with seamless cross channel experiences?
Here we explore a five point strategy that would empower banks and financial institutions to define a robust multi-channel offering.
Building a truly digital banking model remains a challenge for most domestic banks. While it’s true that there is no such thing as a sure recipe for success, some key ingredients are essential to a successful digitized bank. They are the SIX imperatives of digital banking that we will discuss in this whitepaper.
Exponential banking: Reinventing Financial Services in a world of Exponential...Vincent Teo
A Point of View on the threat of Fintechs and Neobanks in the Financial Services category and what banks should do to respond and continue to unlock business and customer value and drive growth.
Banks should look beyond just embracing the latest Fintech and look to reinvent themselves as the Exponential Bank of the Future.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
1. Building the eBank Value Proposition
TonyTorero.com Consulting, LLC
Contact: (913) 538-1572
February 2011
2. Building the eBank Value Proposition
Agenda
1.
2.
3.
4.
Objective Definition
Facts and Figures
The eBank Value Proposition - Scope
The 7 eBank Commandments
Explained
5. Tools of Execution
6. Summary & Game Plan
2
3. Objective Definition
• The Community FI is at NO disadvantage to the large,
national box banks with their online presence. Quite the
opposite actually; they have the ability to leverage
strategic technology vendors to offer a combination of
technology and human attention to their needs that box
banks are unable to match.
• What they often lack are the resources to leverage this
advantage to the fullest. This is the gap we will fill;
allowing them to be bankers while we also allow them to
maximize the investment in their online presence and
make use of a team that will offer a unique skill set that
most Community FI’s can’t afford to keep on payroll.
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4. Facts and Figures – Part I
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Banks see online banking as a value-added customer service, and are taking great
pains to create user experiences that reinforce customer trust and a recognition of
what every online customer wants: convenience and speed at low cost. ¹
While about 95 million U.S. households use the Internet, 72.5 million of those
households participate in online banking, with 36.4 million using online bill pay.
Those numbers represent a 51 percent increase in Internet usage per household
since 2000, and an even larger increase of 84 percent in online banking and 78
percent in online bill pay.
One area of weakness could be among Generation Y, consumers born between the
late-1970s and the late 1990s, who are adopting new technology at a high pace, but
are more likely to pay through a biller direct service.
Online banking and bill payment are no longer "early adopter" technologies, and
often lead to increased customer loyalty.
While consumers often hear about online options through word of mouth, bank
branches have the best opportunity to educate customers on the services they
provide.
Online banking and mobile payments are growing at a faster pace than the Internet. ²
¹ http://www.forbes.com/bow/b2c/category.jhtml?id=3
² http://www.banktech.com/channels/showArticle.jhtml?articleID=225200064
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5. Facts and Figures – Part II
•
•
72% of North American bank technology executives expect their budgets to
stay the same or decrease in 2010, according to a recent Aite Group report.
As a result, banks seeking to improve efficiencies, reduce costs and free up
capital are increasingly turning to outsourcing, according to reports.
Thanks to a combination of demographic trends, technology capabilities and
uncertainty in the banking competitive arena, personal financial management
(PFM) tools -- online resources geared toward helping consumers and small
businesses manage their finances -- really took off in 2009 and are likely to
present an even greater opportunity (or threat) to banks in 2010. PFM looks
to be an ideal way for banks to improve customer experience and loyalty and
to leverage their online banking platforms. Banks are in a prime position to
help customers take more control over their finances. But PFM's growing
popularity also raises the specter of disintermediation. The leading PFM
players, including Mint (acquired recently by Intuit), Geezeo and Yodlee, are
simultaneously potential partners and competitors to banks. ¹
¹ http://www.banktech.com/managementstrategies/showArticle.jhtml;jsessionid=GF45KRBAEQHCZQE1GHPSKHWATMY32JVN?articleID=2220
02892&pgno=2
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6. The eBank Value Proposition - Scope
• Just as the community FI value proposition consists of offering an
unparalleled combination of human and technological contact &
service, the online channels can offer the same marriage of old
(traditional) and new.
• In other words, we will offer our customers a strategic framework that
leverages the bank’s investment in their Technological Infrastructure
as well as opening up new web & Marketing opportunities by applying
a series of 7 eBanking commandments that will:
– Put eBanking controls firmly into the customer’s hands.
– Empower customers to communicate with their bank
when, where & how they want.
– Provide simple, easy to use tools that let customers
control their money, their finances and how they
communicate economically with the world.
6
7. The 7 eBank Commandments
Explained
1.Listen to me & Respond accordingly (Make me
feel important)
Just like a branch customer, an eBanker wants to feel
important. They like to influence their eBanking experience.
They want the eBank to listen to their concerns and
suggestions and respond accordingly. They compare the
bank’s Web experience to every non-bank experience and
transfer those expectations from company to company. The
serious eBanker seeks a partner that appreciates new ideas
from a wide range of sources. Therefore, in designing the
eBank experience for our clients, we must compete against
a wide range of user expectations in terms of ease of use
and functionality and pursue continuing research on user
preferences.
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8. The 7 eBank Commandments
Explained
2.Personal Touch
eBankers do not see the Web experience as a separate
service or a replacement for the branch necessarily, but
as an extension of the overall bank experience. They
perceive relationship banking as an integrated
experience that works seamlessly, regardless of how
they choose to interact with the bank. They see the Web
as an integral part of all their personal relationships and
a way to enrich those relationships. They see no real
distinction between visiting a branch and researching or
interacting with a bank online. Therefore, we need to
intertwine the Web experience for our customers into all
the aspects of personal relationship banking rather than
treat it as a distinct channel.
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9. The 7 eBank Commandments
Explained
3.Seamless Assistance with my Banking Needs
eBankers want to be able to conduct a full range of
transactions online, from opening accounts to chatting
with a customer support person. They are likely to seize
upon a range of imbedded functionality that will put them
in direct, real-time contact with eBank support staff as
well as their personal banker. These users see email,
texting or instant messaging in the same light and view
them as largely interchangeable. The eBanker now
expects their online tools to give them the power to
manage their finances, budget for current & future needs,
financially forecast and give them the option of taking as
firm control of their finances as they wish, whether
they’re on their computer or mobile device.
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10. The 7 eBank Commandments
Explained
4.Banking my way (Let me choose how to
use/customize web tools)
The more advanced eBankers want to be able to
customize their Web experience. Every eBanker is
concerned about security but this group is even
more aware of the paramount importance of proper
online security. They even prefer to be able to set
their own security levels based on their personal
risk assessment to meet their unique needs. They
want to add features at their discretion and add or
delete optional services on demand. Consumers
want choices and the ability to customize the Web
experience.
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11. The 7 eBank Commandments
Explained
5.Tools to better manage my money (PFM
Tools)
The advent of online Personal Financial Management (PFM)
services has put a dent into Quicken’s stronghold within the
PFM market. Many more users are seeking a simple set of
tools to better manage their personal finances. A basic,
integrated PFM capability has become increasingly
important with the ability to set up and track budgets and
expenditures. In these difficult economic times, users are
seeking an easy way to better manage their finances and
build net worth. eBankers are seeking impartial and helpful
financial advice from a reliable source. Therefore, we need
to encourage our customer to leverage their trusted
relationship with the bank, which has historically occurred
as a result of our branch presence.
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12. The 7 eBank Commandments
Explained
6.Social Networking
For many eBankers, social media sites, such as Facebook, have become an
integral component of their day to day lives. They develop or nurture
relationships that impact their business decisions, as well as their friendships
and professional ties within these social spheres. Increasingly, these sites
have become an influential source of impartial information, advice, and
guidance. Business Reputations & Brand Equity are made or broken with
feedback from customers. Referrals are generated between network members
based on past experiences. This form of word of mouth marketing is always
the best, and the least expensive, marketing. Therefore, we need to help our
customers understand the vital importance of tapping into these networks,
monitoring this feedback and encouraging positive “viral’ marketing where
possible. Simply put, when it comes to social networking, forward thinking FI’s
should strongly consider testing this blue ocean while its still blue because:
– It costs little if any to introduce your business within this sphere.
– If you don’t protect your brand on the social networking airwaves,
somebody else is liable to do it for you!
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13. The 7 eBank Commandments
Explained
7.Viral Marketing
A true community bank has a unique ability to differentiate
itself in the local market by adding a personal touch that a
large, box bank cannot replicate. In that sense, the driving
philosophy behind eBanking is really no different than the
branding and positioning we apply to the FI’s overall image.
Some examples of Viral Marketing on the web may include:
offering a humorous twist to financial advice via a blog or
micro-site or highlight local events in a unique and
distinctive manner via social networking sites. Since we
know each eBanker when they log-in, we have a unique
ability to deliver a level of personal response, on a mass
basis, that is unprecedented in banking. Our strategy
should look to highlight opportunities to add a personal or
local touch wherever possible.
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14. Tools of Execution
• It is Crucial to note that the 7 eBank Commandments
represent a framework and strategy. The actual tactics
employed to address the needs of each bank under the holding
company will vary depending upon their individual eBank
strategy that is developed & agreed upon.
• The tools employed to execute the tactics that will be developed
with customers will include, among others:
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eBank Site & Platform Strategic Planning, Design & Implementation
Online Marketing Efficiency & Profitability Reporting & Analysis
Social Media Integration with Web Marketing Strategy
SEO & SEM Consulting and Strategy
Sophisticated Analytics
Website Usability Studies
Concentrated eMail Marketing (e.g. Drip & Custom Campaigns)
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15. Summary & Game Plan – Part I
• Part web development, part eMarketing, part product and
services discovery & optimization… we will work tirelessly
with a hands on, exhaustive approach to help the bank’s
create a unique customer experience & realize the full
technological potential that is available to them.
• We will develop a standardized, yet dynamic series of lists of
tactics our team will offer under each strategic area we will
offer our banks though one size will most definitely not fit all!
• We will review each bank’s web marketing presence,
analytical data as well as the overarching online banking
suite to best gauge how the 7 eBank commandments can
best help each institution reach their communities.
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16. Summary & Game Plan – Part II
• Advanced Mobile & Tablet devices will usher in a blue ocean
opportunity centering around mobile payments. We will
discover the best opportunities for partnership, resonance &
ubiquity.
• Social Media doesn’t end with Facebook. We will leverage
the infinite tools within the SM Universe to communicate &
engage customers in new ways.
• Determine what emerging eBanking technology areas we
lack or underutilize today that could be worth making a
strategic focus for growth & penetration?
• How do we get our internal customer/employee base
engaged and euphoric in evangelizing our message and
excited about our presence & product suite?
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17. Conclusion
• Thank you for the opportunity to present this
framework. I believe we could use it to
accomplish something special!
“The Web as I envisaged it, we have not seen it yet.
The future is still so much bigger than the past.”
“You affect the world by what you browse.”
- Tim Berners-Lee: Creator of the World Wide Web
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