The document describes a multi-channel customer retention marketing campaign conducted by a telecommunications company. It involved identifying at-risk customers using data filters, then targeting them through personalized text messages, direct mailers, and outbound phone calls. Over 340,000 customers were saved at a cost of $14.65 per customer, significantly outperforming the company's previous single-channel direct mail campaign that saved 202,500 customers at $127.04 per customer. The multi-channel approach spent a lower percentage (3.09%) of the saved revenue on direct marketing efforts compared to the single-channel approach (26.76%).
The document discusses opaque hotel booking strategies and pricing. It provides examples of how opaque booking sites like Priceline, Hotwire and Expedia work, explaining that they show limited or no information about the specific hotel until after a booking is accepted. It also summarizes how hotels are selected on these sites, with Priceline choosing randomly from eligible hotels matching a customer's search criteria. The document advises that opaque bookings can boost average daily rates for hotels compared to regular online travel agency bookings.
tax.utah.gov forms current tc tc-40v-2009taxman taxman
Utah law provides a nonrefundable tax credit for purchasing or converting vehicles to use cleaner fuels. The credit can be claimed once per vehicle in the tax year the purchase or conversion occurred, and any excess may be carried forward for up to five years. To qualify for the credit, taxpayers must submit documentation to the Division of Air Quality and receive certification. The credit amount depends on the type of vehicle and fuel used.
This document provides an appraisal report for a property located at 1770 Star Crest Pl, San Marcos, CA. It includes estimates of the as-is value, quick sale value, and as-repaired value from three agents. It also provides details on comparable properties that recently sold or are currently listed, including location, price, size, and features. The document reconciles the various estimates and selects a final value based on the trends for the local market.
This property appraisal report provides an estimated value of $490,000 for 1770 Star Crest Pl in San Marcos, CA. Comparable property sales in the area ranged from $450,000 to $522,000. The subject property is a 5 bedroom, 3.5 bathroom single family home built in 2005 on a 0.115 acre lot. The appraiser found the property to be in good condition with no necessary repairs.
Pick up the low-hanging concurrency fruitVaclav Pech
The document discusses various approaches for dealing with concurrency and parallelism in programming. It highlights that while threads and locks make concurrency difficult, there are better solutions like fork/join pools, dataflow programming, and actors. These approaches allow programmers to write code without worrying about threads and synchronization, making parallelism easier to implement. The key milestone approaches mentioned are asynchronous calculations, parallel collection processing using fork/join, dataflow programming using variables and streams, and using actors to isolate concurrent operations.
Impact Your Business; Identifying Low-Hanging Fruit for SharePoint 2013 No-Co...Gina Montgomery, V-TSP
To code or not to code; is that really the question? In today’s ever-changing business landscape, our end users are demanding tools that can help them do their job better and faster. Did you know that many of these tools can be created by you without any IT intervention? Come spend an hour with me learning how to reverberate your organization’s SharePoint 2013 environment by identifying low-hanging; high impacting no-code solutions. Impact your business and boost productivity amongst your workforce by rapidly solving some of their business needs and give them a relevant set of tools to help them become an agile workforce. In this session we will discuss what it takes to identify the requirements for no-code solutions while also empowering you with guidance on how to design a practical no-code solution.
The document discusses opaque hotel booking strategies and pricing. It provides examples of how opaque booking sites like Priceline, Hotwire and Expedia work, explaining that they show limited or no information about the specific hotel until after a booking is accepted. It also summarizes how hotels are selected on these sites, with Priceline choosing randomly from eligible hotels matching a customer's search criteria. The document advises that opaque bookings can boost average daily rates for hotels compared to regular online travel agency bookings.
tax.utah.gov forms current tc tc-40v-2009taxman taxman
Utah law provides a nonrefundable tax credit for purchasing or converting vehicles to use cleaner fuels. The credit can be claimed once per vehicle in the tax year the purchase or conversion occurred, and any excess may be carried forward for up to five years. To qualify for the credit, taxpayers must submit documentation to the Division of Air Quality and receive certification. The credit amount depends on the type of vehicle and fuel used.
This document provides an appraisal report for a property located at 1770 Star Crest Pl, San Marcos, CA. It includes estimates of the as-is value, quick sale value, and as-repaired value from three agents. It also provides details on comparable properties that recently sold or are currently listed, including location, price, size, and features. The document reconciles the various estimates and selects a final value based on the trends for the local market.
This property appraisal report provides an estimated value of $490,000 for 1770 Star Crest Pl in San Marcos, CA. Comparable property sales in the area ranged from $450,000 to $522,000. The subject property is a 5 bedroom, 3.5 bathroom single family home built in 2005 on a 0.115 acre lot. The appraiser found the property to be in good condition with no necessary repairs.
Pick up the low-hanging concurrency fruitVaclav Pech
The document discusses various approaches for dealing with concurrency and parallelism in programming. It highlights that while threads and locks make concurrency difficult, there are better solutions like fork/join pools, dataflow programming, and actors. These approaches allow programmers to write code without worrying about threads and synchronization, making parallelism easier to implement. The key milestone approaches mentioned are asynchronous calculations, parallel collection processing using fork/join, dataflow programming using variables and streams, and using actors to isolate concurrent operations.
Impact Your Business; Identifying Low-Hanging Fruit for SharePoint 2013 No-Co...Gina Montgomery, V-TSP
To code or not to code; is that really the question? In today’s ever-changing business landscape, our end users are demanding tools that can help them do their job better and faster. Did you know that many of these tools can be created by you without any IT intervention? Come spend an hour with me learning how to reverberate your organization’s SharePoint 2013 environment by identifying low-hanging; high impacting no-code solutions. Impact your business and boost productivity amongst your workforce by rapidly solving some of their business needs and give them a relevant set of tools to help them become an agile workforce. In this session we will discuss what it takes to identify the requirements for no-code solutions while also empowering you with guidance on how to design a practical no-code solution.
The Customer Engagement Roadmap - The Key to Increasing the Value of Your Membership Base
Want to increase your subscription site’s profitability? The Customer Engagement Roadmap will show you how!
This document contains a list of 14 single words, each beginning with a different letter, ranging from A to T. The words include various materials, colors, audio equipment and other nouns. Overall, the document presents an alphabetical listing of short single words from different semantic categories.
This document provides an overview of software quality assurance. It discusses key quality concepts, quality control, the cost of quality, and software quality assurance. It also describes formal technical reviews, statistical quality assurance, software reliability, and the components of a software quality assurance plan. The goal of software quality assurance is to achieve a high-quality software product through standards, reviews, testing, and other quality control measures.
The document describes JEEVA, a mobile application for recognizing, collecting, sharing, surveying, and exploring flora and fauna. The app allows users to take photos of plants and animals and upload them to the system for identification. If the photo is of a new species, the user can start a new section for it. Otherwise, the user can update existing details. The app is intended for academic, conservation, exploration, and nature lovers to study nature. It has features like image recognition of species, location-based species reporting, automatic species notifications, guides and checklists, article writing and sharing, and discussions. Potential users include students, researchers, tourists, Ayurvedic practitioners, conservation organizations, nature lovers
This document provides tutorials for learning Apex programming using the Force.com platform. The tutorials cover topics such as creating custom objects, using the Developer Console, creating sample data, defining classes, Apex language fundamentals like data types and variables, executing transactions, adding triggers, writing unit tests, and integrating Apex with Visualforce. The goal is to provide hands-on exercises to help developers learn the Apex language and how to develop applications using the Force.com platform. Completing the tutorials will equip developers with essential Apex programming skills.
Breaking Up is Hard to Do: Small Businesses’ Love Affair with ChecksVivastream
This document discusses small businesses' reliance on checks and the challenges they face in adopting electronic payments. It notes that small businesses write billions of checks per year at high costs. While checks meet their needs of being easy to use and widely accepted, electronic payments could offer benefits like cost savings and fraud protection. However, small businesses are often too busy with core operations to prioritize alternatives. The document also outlines hurdles small businesses face in using ACH or credit cards, such as navigating bank requirements and understanding fees. It suggests that businesses more open to electronic payments tend to have standardized payment processes or receive remittance data with payments.
Banks see Smart Commerce as a growing threat that could distance them from customers. Smart Commerce is defined as involving digital payment methods that simplify purchases and enriched communication between merchants and consumers using mobile technology. It is driven by demand from both consumers and merchants, and by large profit pools outside of just payments, particularly merchant sales promotions. Many banks believe Smart Commerce will become widespread within two years and pose the main risk of intermediating banks and reducing their relevance in consumer commerce.
This document summarizes key findings from a global consumer banking survey conducted by EY. Some of the main points include:
1. Customer advocacy and trust in their primary banking provider is high, driven largely by positive customer experiences. However, banks still have opportunities to improve certain aspects of the customer experience.
2. Convenience through digital banking channels is important to customers, but mobile banking features still lag online banking. Simplifying fees and communications remains a top priority.
3. Customers are generally satisfied with their primary bank but open to switching for better service or advice. Segmenting customers reveals opportunities for banks to better meet different needs.
4. Banks should focus on making banking simple and clear
This document summarizes the key findings from EY's 2014 Global Consumer Banking Survey. Some of the main points include:
1. Customer trust and advocacy are important drivers of growth for banks. Customers with complete trust in their primary bank are much more likely to recommend them.
2. Customer experience is a key factor influencing trust and advocacy. Customers cited how they are treated and quality of communications as important reasons for trust. Experience also influenced account openings and closings.
3. Banks can improve the customer experience by making banking simple and clear, providing helpful advice, and resolving problems well. Specifically, banks should improve fee transparency, mobile and online banking, and customer service.
Sereno is a fraud detection solution that uses image analysis and multi-source correlation modeling to identify check fraud. It integrates with existing image processing systems and analyzes check images using multiple recognition engines to flag potential fraud. Sereno reduces false positives and focuses analysts on a small number of suspect transactions. It builds databases of check stock and signatures over time to improve accuracy. Sereno provides cost savings through reduced manual review and losses from fraud while allowing banks to expand their fraud detection capabilities.
Orbograph's new Accura XV solution leverages Next Generation Recognition (NGR) Technology to provide virtually 100% check processing performance at the teller. The solution achieves read rates as high as 95% and can attain 100% read rates on small transactions using V100 mode. It provides tangible benefits like reducing data entry costs and recognition errors as well as intangible benefits like highly reliable technology and streamlined processes. Accura XV is the foundation for all of Orbograph's centralized and distributed recognition solutions and services.
Growth in remote deposit capture is driving additional requirements in check recognition. Orbograph provides a scalable check recognition solution for RDC that uses multiple recognition engines to achieve read rates from 90-98%. The solution can identify alterations, validate fields, and ensure image quality to reduce fraud while streamlining the deposit process. Orbograph offers flexible licensing and deployment options to meet the needs of various sized financial institutions supporting desktop, consumer, and mobile RDC.
The document introduces Orbograph's Healthcare Payments Automation Center (HPAC), a cloud-based platform that hosts two services: P2Post for converting paper explanation of benefit forms into electronic files for practice management systems, and E2Post for matching electronic funds transfer payments to remittance advices. By leveraging image processing and recognition technologies, HPAC can convert claims at high volumes while reducing costs up to 60% by eliminating manual data entry and exceptions. The platform provides adaptive onboarding of forms, HIPAA compliance, and guaranteed performance.
The document discusses next generation check recognition technologies that can improve teller image capture (TIC) and remote deposit capture (RDC) workflows. It outlines several business problems with early generation technologies like low read rates, balancing issues, and fraud risks. Next generation technologies aim to solve these by using multi-engine correlation, dynamic thresholding, item verification, and check box detection to achieve near 100% recognition performance and reduce errors. The benefits include cost savings, improved efficiency, customer experience, and reduced fraud.
Orbograph introduces Automation Services and Automation Services LE, innovative recognition solutions that provide up to 40% labor cost savings through high levels of automation and accuracy. Automation Services achieves 98% automation and 99%+ accuracy, while Automation Services LE attains 90% automation with 99% accuracy. Both solutions support various check processing workflows and can be implemented on Orbograph's legacy OrboCAR platform or new G6 Enterprise Recognition Technology platform. Orbograph also offers managed recognition services to continuously monitor performance and ensure solutions meet guaranteed service levels.
Orbograph is a provider of electronic solutions for healthcare revenue cycle management and check processing recognition software. It has over 1,500 financial institution and biller clients that process billions of documents annually using Orbograph's technologies. Orbograph converts paper-based documents like EOBs into electronic files to automate payment data reconciliation and provide reporting tools. It is a subsidiary of Orbotech and was founded in 1996, employing over 50 people who serve the banking, financial, and healthcare industries.
The Customer Engagement Roadmap - The Key to Increasing the Value of Your Membership Base
Want to increase your subscription site’s profitability? The Customer Engagement Roadmap will show you how!
This document contains a list of 14 single words, each beginning with a different letter, ranging from A to T. The words include various materials, colors, audio equipment and other nouns. Overall, the document presents an alphabetical listing of short single words from different semantic categories.
This document provides an overview of software quality assurance. It discusses key quality concepts, quality control, the cost of quality, and software quality assurance. It also describes formal technical reviews, statistical quality assurance, software reliability, and the components of a software quality assurance plan. The goal of software quality assurance is to achieve a high-quality software product through standards, reviews, testing, and other quality control measures.
The document describes JEEVA, a mobile application for recognizing, collecting, sharing, surveying, and exploring flora and fauna. The app allows users to take photos of plants and animals and upload them to the system for identification. If the photo is of a new species, the user can start a new section for it. Otherwise, the user can update existing details. The app is intended for academic, conservation, exploration, and nature lovers to study nature. It has features like image recognition of species, location-based species reporting, automatic species notifications, guides and checklists, article writing and sharing, and discussions. Potential users include students, researchers, tourists, Ayurvedic practitioners, conservation organizations, nature lovers
This document provides tutorials for learning Apex programming using the Force.com platform. The tutorials cover topics such as creating custom objects, using the Developer Console, creating sample data, defining classes, Apex language fundamentals like data types and variables, executing transactions, adding triggers, writing unit tests, and integrating Apex with Visualforce. The goal is to provide hands-on exercises to help developers learn the Apex language and how to develop applications using the Force.com platform. Completing the tutorials will equip developers with essential Apex programming skills.
Breaking Up is Hard to Do: Small Businesses’ Love Affair with ChecksVivastream
This document discusses small businesses' reliance on checks and the challenges they face in adopting electronic payments. It notes that small businesses write billions of checks per year at high costs. While checks meet their needs of being easy to use and widely accepted, electronic payments could offer benefits like cost savings and fraud protection. However, small businesses are often too busy with core operations to prioritize alternatives. The document also outlines hurdles small businesses face in using ACH or credit cards, such as navigating bank requirements and understanding fees. It suggests that businesses more open to electronic payments tend to have standardized payment processes or receive remittance data with payments.
Banks see Smart Commerce as a growing threat that could distance them from customers. Smart Commerce is defined as involving digital payment methods that simplify purchases and enriched communication between merchants and consumers using mobile technology. It is driven by demand from both consumers and merchants, and by large profit pools outside of just payments, particularly merchant sales promotions. Many banks believe Smart Commerce will become widespread within two years and pose the main risk of intermediating banks and reducing their relevance in consumer commerce.
This document summarizes key findings from a global consumer banking survey conducted by EY. Some of the main points include:
1. Customer advocacy and trust in their primary banking provider is high, driven largely by positive customer experiences. However, banks still have opportunities to improve certain aspects of the customer experience.
2. Convenience through digital banking channels is important to customers, but mobile banking features still lag online banking. Simplifying fees and communications remains a top priority.
3. Customers are generally satisfied with their primary bank but open to switching for better service or advice. Segmenting customers reveals opportunities for banks to better meet different needs.
4. Banks should focus on making banking simple and clear
This document summarizes the key findings from EY's 2014 Global Consumer Banking Survey. Some of the main points include:
1. Customer trust and advocacy are important drivers of growth for banks. Customers with complete trust in their primary bank are much more likely to recommend them.
2. Customer experience is a key factor influencing trust and advocacy. Customers cited how they are treated and quality of communications as important reasons for trust. Experience also influenced account openings and closings.
3. Banks can improve the customer experience by making banking simple and clear, providing helpful advice, and resolving problems well. Specifically, banks should improve fee transparency, mobile and online banking, and customer service.
Sereno is a fraud detection solution that uses image analysis and multi-source correlation modeling to identify check fraud. It integrates with existing image processing systems and analyzes check images using multiple recognition engines to flag potential fraud. Sereno reduces false positives and focuses analysts on a small number of suspect transactions. It builds databases of check stock and signatures over time to improve accuracy. Sereno provides cost savings through reduced manual review and losses from fraud while allowing banks to expand their fraud detection capabilities.
Orbograph's new Accura XV solution leverages Next Generation Recognition (NGR) Technology to provide virtually 100% check processing performance at the teller. The solution achieves read rates as high as 95% and can attain 100% read rates on small transactions using V100 mode. It provides tangible benefits like reducing data entry costs and recognition errors as well as intangible benefits like highly reliable technology and streamlined processes. Accura XV is the foundation for all of Orbograph's centralized and distributed recognition solutions and services.
Growth in remote deposit capture is driving additional requirements in check recognition. Orbograph provides a scalable check recognition solution for RDC that uses multiple recognition engines to achieve read rates from 90-98%. The solution can identify alterations, validate fields, and ensure image quality to reduce fraud while streamlining the deposit process. Orbograph offers flexible licensing and deployment options to meet the needs of various sized financial institutions supporting desktop, consumer, and mobile RDC.
The document introduces Orbograph's Healthcare Payments Automation Center (HPAC), a cloud-based platform that hosts two services: P2Post for converting paper explanation of benefit forms into electronic files for practice management systems, and E2Post for matching electronic funds transfer payments to remittance advices. By leveraging image processing and recognition technologies, HPAC can convert claims at high volumes while reducing costs up to 60% by eliminating manual data entry and exceptions. The platform provides adaptive onboarding of forms, HIPAA compliance, and guaranteed performance.
The document discusses next generation check recognition technologies that can improve teller image capture (TIC) and remote deposit capture (RDC) workflows. It outlines several business problems with early generation technologies like low read rates, balancing issues, and fraud risks. Next generation technologies aim to solve these by using multi-engine correlation, dynamic thresholding, item verification, and check box detection to achieve near 100% recognition performance and reduce errors. The benefits include cost savings, improved efficiency, customer experience, and reduced fraud.
Orbograph introduces Automation Services and Automation Services LE, innovative recognition solutions that provide up to 40% labor cost savings through high levels of automation and accuracy. Automation Services achieves 98% automation and 99%+ accuracy, while Automation Services LE attains 90% automation with 99% accuracy. Both solutions support various check processing workflows and can be implemented on Orbograph's legacy OrboCAR platform or new G6 Enterprise Recognition Technology platform. Orbograph also offers managed recognition services to continuously monitor performance and ensure solutions meet guaranteed service levels.
Orbograph is a provider of electronic solutions for healthcare revenue cycle management and check processing recognition software. It has over 1,500 financial institution and biller clients that process billions of documents annually using Orbograph's technologies. Orbograph converts paper-based documents like EOBs into electronic files to automate payment data reconciliation and provide reporting tools. It is a subsidiary of Orbotech and was founded in 1996, employing over 50 people who serve the banking, financial, and healthcare industries.
25. Customers
Units Cost Saved
Customer Base 30,000,000
Identification Filter 0
Customer Sent Direct Mail 30,000,000 $21,600,000
Inbound Calls from Direct Mail 750,000 $4,125,000 202,500
Total Cost of Direct Mail Campaign $25,725,000
Direct Marketing Cost per Customer Saved $127.04
28. Propensity to churn
IDENTIFICATION
IDENTIFICATION
Over-utilization Filter out
TEXT MESSAGING Contract expiration
Old equipment
Payment issues
DIRECT MAIL
Low usage
Certain geographies
OUTBOUND
PHONE CALL Do not contact
2.225 mcustomers
2.25M customers
to be targeted
29. Personalized E-Verification
Inbound
Filter Text E-Contract
Call
2.0M
IDENTIFICATION Keep
Do not text Offer Based
Non- on customer
responders BI Model away from
retail
outlet
TEXT MESSAGING
TEXT MESSAGING Old equip/ Offer Based
No text on
capability plan type 160K Calls
@ 8% RR
DIRECT MAIL Phone
225k exclusive
removed offer
OUTBOUND
PHONE CALL
30. Personalized
Inbound E-Verification
Filter Mail Piece
1.38M
Call E-Contract
IDENTIFICATION Keep
Do Not Mail Personalized
customer
away from
retail
Non- Offer Based outlet
Responsive On BI Model
TEXT MESSAGING
to Mail
55K
Offer Based Calls @
ROI Filter: On Plan Type 4% RR
Usage/
DIRECT MAIL
DIRECT MAIL Profitability
Geography
461K
Removed
OUTBOUND Demographic
PHONE CALL Psychographic
Drivers
Phone
Exclusive
Offer
31. Outbound
Inbound E-Verification
Filter Call
675K
Call E-Contract
IDENTIFICATION Keep
Do Not Call Offer Based
On BI Model customer
away from
retail
Non- outlet
Responsive Offer Based
TEXT MESSAGING
to Phone On Plan Type
74K
Calls
Respondents Phone
to Text or Exclusive
DIRECT MAIL Direct Mail Offer
Billing 405K
OUTBOUND Cycle Contacts
PHONE CALL Made
More
More
Stringent
Stringent
ROI Filters
ROI Filters
649K
Removed
33. Customers
Metric Cost Saved
Customer Base 30,000,000
Identification Filter (27,775,000)
Text Filter (225,000)
Customer Sent Text 2,000,000 $80,000
Inbound Calls from Text 160,000 $880,000 83,200
Direct Mail Filter (460,920)
Customer Sent Direct Mail 1,379,080 $992,938
Inbound Calls from Direct Mail 55,163 $303,398 28,685
Outbound Telemarketing Filter (648,719)
Outbound Telemarketing Universe 675,198
Outbound Telemarketing Contacts 405,119 $2,329,432 190,406
Inbound Calls from Outbound TM 74,272 $408,495 38,621
Total Cost of Direct Marketing Campaign $4,994,261 340,912
Direct Marketing Cost per Customer Saved $14.65
34. Control Multi-Channel
Customers Saved 202,500 340,912
Direct Marketing Campaign Cost $25,725,000 $4,994,261
Cost per Customer Saved $127.04 $14.65
Sales Revenue of Saved Customers $96,130,800 $161,837,687
Percent of Saved Revenue Spent on Direct
26.76% 3.09%
Marketing Efforts