Case Study: Falabella
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Falabella implemented a cybersecurity solution from VUTM to increase security levels across its digital operations in retail, banking, travel, and insurance. The solution included VUTM App & Cloud Server for multifactor authentication, VUTM AES for password and device management, and VUTM Fraud Analysis for user profiling and fraud detection. VUTM's solutions helped Falabella strengthen authentication and protection of clients' confidential information.
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Post-2008 started losing ground in developed markets
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Nokia was fifth most valuable brand globally in 2000
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Emergence of i-phone, considered as replacement for normal handsets with users looking for upgradation
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Earlier entry, early start of the learning curve. Its crucial and experience is tough to imitate.
Nokia can develop enhanced reputation by being pioneer and using its already established brand image
Absolute cost advantage can be gained by early commitments to supplies of materials and distribution channels….
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Should Nokia’s growth strategy be to focus on the developed markets, emerging markets or both?
Case Analysis
Handset manufacturer worldwide market share of 38% in 2009
Market leader in emerging markets like India(60%) and China(40%)
Financial performance pre-2008 was exceptional
Known for innovation
Offers products at all price points
Post-2008 started losing ground in developed markets
European market revenue declined by 15% in 2009
Exited the Japanese market after 20 years of operations
Nokia was fifth most valuable brand globally in 2000
Analysis of Emerging Market
Employed the cost leadership strategy: Purchasing power low in emerging markets hence Nokia provided cost effective products successfully.
First time purchasers: Only 20% of the emerging market were not first time purchasers
Services as the key selling point: People of emerging markets wanted value added services bundled with the phone
Analysis of Developed markets
Consumers not very price sensitive
Delivering innovative products more important
57% of the market goes for a second phone, most of the time for an upgrade
Emergence of i-phone, considered as replacement for normal handsets with users looking for upgradation
Growing competition from companies like Samsung, LG, Motorola and Sony Ericson was also making things worse for Nokia.
New Operating System – e.g. – Emergence of OSs like Google’s Android and Microsoft’s Windows mobile further bothered Nokia.
Inability to understand demand – Nokia failed to understand growing demand for touch phones
Why focus on Emerging Markets?
As Nokia has already gained the following benefits by being the first mover, it should strive hard to maintain it’s market share in developing economies. Advantages it has –
Earlier entry, early start of the learning curve. Its crucial and experience is tough to imitate.
Nokia can develop enhanced reputation by being pioneer and using its already established brand image
Absolute cost advantage can be gained by early commitments to supplies of materials and distribution channels….
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Nokia should concentrate on Improved as well as Basic phones as the market is still evolving
Tie up with Telecom players and bring dual sim phones to increase the switching cost
It should follow innovations in developed countries and adapt them to emerging markets in order to stand against competition.
One general strategy should be to outsource the services part as it is not Nokia’s competency and customers are giving more regard to services (Exhibit 6)
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The scope of this year’s analysis covers banks and FinTechs that offer at least an online application for an SME loan in the CEE region. In some countries, banks and FinTechs implemented some restrictions on financing SMEs, while some companies stopped lending to SMEs and were therefore not included in the study.
Please write at cee@smebanking.club to request full Study.
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Кредитование - один из ключевых элементов экосистемы системы онлайн-банка
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(1) The document discusses online banking services for SMEs, including e-invoicing. It summarizes a study analyzing 25 banks in the CEE region and their online offerings for SMEs. (2) Key trends identified include the integration of value-added services like online accounting and e-invoicing directly into banks' online platforms. (3) The business rationale for both banks and SMEs to offer and utilize e-invoicing services through banks is described as automation, reduced costs, and access to additional financial services.
Online Banking for SMEs. CEE region, June 2019
The document is an annual report by SME Banking Club analyzing online banking functionality for SMEs provided by 25 banks in Central and Eastern Europe. It describes the study methodology, key trends in online banking for SMEs like online customer onboarding and integration of value-added services. The report also includes a ranking of banks based on their online banking offerings for SMEs, with ING Bank Śląski, PKO BP, and mBank ranked as the top three providers in the CEE region.
Caucasus19
The document provides information about the 5th annual Caucasus SME Banking Club Conference 2019 to be held on May 16-17, 2019 in Tbilisi, Georgia. The two-day conference will focus on topics related to bank transformations, digital banking, SME finance, and innovations. It will bring together banking professionals from countries across Eastern Europe and Central Asia to share best practices and insights. Attendees can learn about innovations in areas like online lending and customer experience, and network with representatives from major banks in the region. The conference is organized by SME Banking Club and aims to discuss challenges and opportunities in the SME banking sector.
Study Tour Poland 2019
This document provides information about a study tour to Poland from April 10-11, 2019 focused on digital SME banking and creating ecosystems for SME customers. The tour will include visits to 3 banks and 2 fintech companies in Warsaw and Lodz to learn about their digital transformation efforts, open banking models, lending to SMEs, and collaborations between banks and fintechs. The goal is for participants to gain insights on Poland's innovation in digital banking for SMEs. The 2-day agenda and registration fees are also outlined. The event is limited to 16 banking and finance professionals.
Финансирование МСБ
Мероприятие является логичным продолжением годичного цикла мероприятий, который посвящен вопросам обслуживания клиентов малого и среднего бизнеса (МСБ). В добавление к банковской конференции, данное мероприятие фокусируется на более практических презентациях экспертов, более детальном обсуждении и дискуссиях между специалистами.
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The document is an invitation to the SME Finance Meeting taking place on November 28 in Bucharest, Romania. The meeting will discuss key digital trends and solutions for SME lending, factoring, and customer onboarding. The agenda includes presentations on digital strategies in SME banking in Central and Eastern Europe and the customer journey in the digital age, as well as a Q&A session and networking reception. Attendees must RSVP by November 23 to confirm attendance.
CEE SME Banking Club Conference 2018
We believe in SME. SME Banking Club organizes international and regional banking conferences dedicated to micro-, small and medium business segments. During upcoming IV Annual SME Banking Club Conference 2018 in Central and Eastern Europe business bankers and financial experts will meet as to discuss the latest digital transformation trends in SME banking segment and a role of new players in SME financial services.
CEE SME Banking Club Conference 2017
We believe in SME. SME Banking Club organizes international and regional banking conferences dedicated to micro-, small and medium business segments. During upcoming III Annual SME Banking Club Conference 2017 in Central and Eastern Europe business bankers and financial experts will meet as to discuss the latest digital transformation trends in SME banking segment and a role of new players in SME fi nancial services.
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The document provides information about the SME Banking Club's annual conference being held on October 23-24, 2016 in Warsaw, Poland. The conference will focus on best practices and innovations in small and medium business banking in Central and Eastern Europe. It will include sessions on trends in CEE banking markets, collaborating with startups, competing with global players, non-financial services, credit risk models, and more. Speakers will represent major banks like BNP Paribas, Nordea, and Sberbank as well as fintech companies. Participants include senior executives from commercial, SME, and business banking. Registration is required through the provided website.
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原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
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如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
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3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
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二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号:176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
BIHC Briefing June 2024 from Bank+Insurance Hybrid Capital in association wit...
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
TechnoXander Confirmation of Payee Product Pack 1.pdf
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
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What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Recently uploaded (20)
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Case Study: Falabella
- 1. Success Story Falabella implemented a solution to increase the security levels of the digital operations based on the potential risk for their CMR, Bank (Individuals and Enterprise), Travel and Insurance. Learn more about this comprehensive solution. IDENTIDAD PRIVADO
- 2. Success Story Client: Falabella Web: www.falabella.com Countries: Argentina, Chile, Peru, Colombia Mexico Industry: Retail / Banking Considering the possibility of identity theft and the increase of threats based on obtaining credentials of online users, Falabella noticed the need of implementing a solution to guarantee the identity of their clients. At the same time, they wanted to strengthen their transactions and all the confidential and sensitive information of the final client. The Challenge The decision-making process to arrive to a technological agreement with VU™ started with a market research that included both a technical and a functional analysis of the possible technological solutions with local and global representation and backup. The company chose VU™’s portfolio for their CMR, Banking (People and Companies), Travel and Insurance areas. Provided solutions Implemented solutions: A solution to increase the security levels on the digital operations, based on potential risk. About Falabella Falabella is one of the biggest and best well-known retail brands in Latin America. It develops its commercial activity through big business areas, including department stores, home decor and construction, banking, travel, commercial financing CMR and insurance services. Founded in 1889, Falabella is today the biggest department store in South America, th over 65,000 employees and 100 stores. VU™ App Cloud Server VU™ AES VU™ Fraud Analysis VU™ Mobile Tokens
- 3. Success Story VU™ Mobile Tokens ItistheSDKcomponentthatallowstointegratethefunctionalitiesfromVU™AppCloud Server on Android and iOS mobile apps, providing strong authentication methods to enroll, generate and validate two-factor authentication methods. VU™ App Cloud Server It is an omnichanel and multifactor authentication engine that combines different two-factor authentication methods with the traditional username and password. Implemented solutions VU™ AES It is a module to provide customer service and manage its passwords, devices and permits. It makes the product and authentication factors’ managing way easier. VU™ Fraud Analysis Is a module that generates user profiles based on the information provided by the customer's core. The solution works under the mode of WebServices / REST / SOAP receivingandprocessingtheinformation.Thismodulecanbecustomizedtoadapttothe fields that the client requests to evaluate. The detection rules can also be customized from the management console of the solution through logical operators defined together, as well as having a knowledge base generated according to the transactional history that the company possesses. VU™ is a company that develops cybersecurity solutions focused on fraud prevention, identity protection, risk management and biometrics. Winner of Santander X Tomorrow Challenge and Startup Olé in Spain. Recognized by Forbes, the MIT Technology Review and Endeavor. Member of the fifth cohort chosen by the London Office for Rapid Acceleration in Cybersecurity (LORCA, UK). Thanks to the social impact of the digital identity systems implemented in Argentina and Bolivia, VU™ was recognized by Microsoft as Partner of the Year, two years in a row. +13 years of experience in Cybersecurity + 13 + 25 +220M + 60 Years of experience in cybersecurity Countries in Latam, Europe and the US Protected users Partners worldwide