The document discusses how customer insight can help manage conduct risk for financial institutions. It provides Paul Laughlin's background in leading customer insight teams that added over £11m in profits annually. His new company, Laughlin Consultancy, helps businesses use customer insight to grow profits, improve retention, and demonstrate treating customers fairly to regulators. The document then outlines various topics financial institutions should care about regarding conduct risk, including the FCA's consumer segmentation, impacts of behavioral economics on communications, challenges of vulnerable customers, and how analytics and research can be used to understand customers and manage regulatory risk.
Conduct risk beyond the rulebook bovill briefing march 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the March briefing on Conduct Risk. For more information visit www.bovill.com.
Further information on the event is below:
Conduct Risk: beyond the rule book
“One of the features of regulation, historically, was that it was all about compliance. Were a particular set of rules followed? Could a firm demonstrate and document that it had followed those rules to the letter? This created a cottage industry out of compliance – but did not necessarily lead to good outcomes…””
Martin Wheatley, CEO, Financial Conduct Authority
The FCA rulebook still matters, as any firm who has had a brush with the rules on client money and assets will know. However, the financial crisis showed that traditional compliance can mean the firm only knows what went wrong yesterday. Understanding what might happen tomorrow is equally important.
Managing Conduct Risk is now a key FCA expectation. It involves understanding what outcomes will flow from today’s actions – for the firm, its customers and the financial markets more broadly. And the Conduct Risk agenda is now more likely to involve smaller firms.
Bovill’s briefing looked at Conduct Risk and covered:
• What is Conduct Risk and where did the idea come from?
• What regulatory powers does the FCA use in its approach?
• How can you manage Conduct Risk?
The FSA TCF initiative has been with the UK financial services world for many years and there are still areas that firms are missing about the whole idea. This guide helps identify the myths and provide sound steps and ideas for any firm to adopt and use in their strategy.
Venture capital funds as an alternative financing source for early stage comp...ITDogadjaji.com
Prezentacija "Venture capital funds as an alternative financing source for early stage companies" koju je Jan Kobler održao na konferenciji iFront 2010 u junu 2010. godine.
Conduct risk beyond the rulebook bovill briefing march 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the March briefing on Conduct Risk. For more information visit www.bovill.com.
Further information on the event is below:
Conduct Risk: beyond the rule book
“One of the features of regulation, historically, was that it was all about compliance. Were a particular set of rules followed? Could a firm demonstrate and document that it had followed those rules to the letter? This created a cottage industry out of compliance – but did not necessarily lead to good outcomes…””
Martin Wheatley, CEO, Financial Conduct Authority
The FCA rulebook still matters, as any firm who has had a brush with the rules on client money and assets will know. However, the financial crisis showed that traditional compliance can mean the firm only knows what went wrong yesterday. Understanding what might happen tomorrow is equally important.
Managing Conduct Risk is now a key FCA expectation. It involves understanding what outcomes will flow from today’s actions – for the firm, its customers and the financial markets more broadly. And the Conduct Risk agenda is now more likely to involve smaller firms.
Bovill’s briefing looked at Conduct Risk and covered:
• What is Conduct Risk and where did the idea come from?
• What regulatory powers does the FCA use in its approach?
• How can you manage Conduct Risk?
The FSA TCF initiative has been with the UK financial services world for many years and there are still areas that firms are missing about the whole idea. This guide helps identify the myths and provide sound steps and ideas for any firm to adopt and use in their strategy.
Venture capital funds as an alternative financing source for early stage comp...ITDogadjaji.com
Prezentacija "Venture capital funds as an alternative financing source for early stage companies" koju je Jan Kobler održao na konferenciji iFront 2010 u junu 2010. godine.
Competitive Intelligence for Market Researchers: an Exercise-Driven, Interact...Arik Johnson
Introduction to Competitive Intelligence Principles Workshop, Designed for a Market Research Audience and Delivered at the 2006 Institute for International Research (IIR) Market Research Event in Los Angeles, California October 22
Welcome to the 7th Annual B2B Content Marketing Benchmarks, Budgets, and Trends—North
America report. We’ve made quite a few changes to our annual survey this year to reflect the
maturing content marketing industry.
This year’s research paints a brighter picture than the last few years, indicating that content
marketing is alive and well! Content marketers are on track—with 62% reporting that their
organizations are much more or somewhat more successful with their overall content marketing
approach compared with one year ago.
Like last year, those who are further along with their approach are the most successful, while
the vast majority of the least successful are in the young/early phases of content marketing.
With time, a documented strategy, creativity, meaningful goals and metrics, a willingness to
experiment, and perhaps most importantly, a commitment to content marketing, those
marketers will succeed.
Please watch for continuing editorial coverage of our research findings throughout 2017.
We hope you will find the insights useful as you prepare for the year ahead
Competition is getting more intense. Globalisation has finally arrived in every country of the world. It is crucial to know your own strengths
and weaknesses as well as these of your „enemies.“
Companies that want to be “ahead of the competition“ must have a
well-performing radar system in order to analyse their competitors and market developments, and to be able to identify relevant opportunities or threats on time .
Competitive Intelligence is the art of always staying one step ahead of
the competition.
Competitive Intelligence is critical to any company striving to make their product deliver the value customers expect. As a Product Manager, you want to keep a holistic view of both your client’s opinion, desire and thoughts on new development, combined with a perspective on what your competition will be up to next. After all, the competition has smart Product Managers who may have discovered an important service or product angle those customers are going to want.
With social media in a mature phase, can’t you just rely on Twitter Feeds, news aggregators, and information from the odd LinkedIn Group? Is that enough? What else should you be doing to stay ahead of you competitors?
Join our guest speaker, Zena Applebaum, of Bennet Jones LLP, for a practical discussion about where to look for competitive intelligence (ethically), how to collect it, the questions you should be asking, who to ask, and how best to use the intel once you have it
Presentation provided as part of 3-day Entrepreneurship Program for MBA graduates of Manipur Institute of Management Studies, Manipur University (India) during Oct 27-29th, 2010.
Getting to the Self in a World of Selfies: Strategies to Help Applicants Writ...Rebecca Joseph
This is our WACAC 2016 presentation on the power of college application essays from Ellen Susan Perlmutter of Cornell, Sylvia Juarez of Juarez Consulting, and Rebecca Joseph of California State University of Los Angeles and Get Me To College. Thursday, June 2 at 2:10 in Seaver 200.
Differentiating Your Social Platforms While Delivering Consistent MessagesMike Driehorst
Presentation from a November 15, 2016, talk at the Ragan Digital Marketing Conference, Denver, Colo. It's a look at the approach of the FCA Digital Media Team, FCA US, focusing on 1) stories you can't see elsewhere or told a different way, 2) engagement to drive third-party shares, and 3) giving our online communities a reason to follow each of our core social media platforms.
Competitive Intelligence for Market Researchers: an Exercise-Driven, Interact...Arik Johnson
Introduction to Competitive Intelligence Principles Workshop, Designed for a Market Research Audience and Delivered at the 2006 Institute for International Research (IIR) Market Research Event in Los Angeles, California October 22
Welcome to the 7th Annual B2B Content Marketing Benchmarks, Budgets, and Trends—North
America report. We’ve made quite a few changes to our annual survey this year to reflect the
maturing content marketing industry.
This year’s research paints a brighter picture than the last few years, indicating that content
marketing is alive and well! Content marketers are on track—with 62% reporting that their
organizations are much more or somewhat more successful with their overall content marketing
approach compared with one year ago.
Like last year, those who are further along with their approach are the most successful, while
the vast majority of the least successful are in the young/early phases of content marketing.
With time, a documented strategy, creativity, meaningful goals and metrics, a willingness to
experiment, and perhaps most importantly, a commitment to content marketing, those
marketers will succeed.
Please watch for continuing editorial coverage of our research findings throughout 2017.
We hope you will find the insights useful as you prepare for the year ahead
Competition is getting more intense. Globalisation has finally arrived in every country of the world. It is crucial to know your own strengths
and weaknesses as well as these of your „enemies.“
Companies that want to be “ahead of the competition“ must have a
well-performing radar system in order to analyse their competitors and market developments, and to be able to identify relevant opportunities or threats on time .
Competitive Intelligence is the art of always staying one step ahead of
the competition.
Competitive Intelligence is critical to any company striving to make their product deliver the value customers expect. As a Product Manager, you want to keep a holistic view of both your client’s opinion, desire and thoughts on new development, combined with a perspective on what your competition will be up to next. After all, the competition has smart Product Managers who may have discovered an important service or product angle those customers are going to want.
With social media in a mature phase, can’t you just rely on Twitter Feeds, news aggregators, and information from the odd LinkedIn Group? Is that enough? What else should you be doing to stay ahead of you competitors?
Join our guest speaker, Zena Applebaum, of Bennet Jones LLP, for a practical discussion about where to look for competitive intelligence (ethically), how to collect it, the questions you should be asking, who to ask, and how best to use the intel once you have it
Presentation provided as part of 3-day Entrepreneurship Program for MBA graduates of Manipur Institute of Management Studies, Manipur University (India) during Oct 27-29th, 2010.
Getting to the Self in a World of Selfies: Strategies to Help Applicants Writ...Rebecca Joseph
This is our WACAC 2016 presentation on the power of college application essays from Ellen Susan Perlmutter of Cornell, Sylvia Juarez of Juarez Consulting, and Rebecca Joseph of California State University of Los Angeles and Get Me To College. Thursday, June 2 at 2:10 in Seaver 200.
Differentiating Your Social Platforms While Delivering Consistent MessagesMike Driehorst
Presentation from a November 15, 2016, talk at the Ragan Digital Marketing Conference, Denver, Colo. It's a look at the approach of the FCA Digital Media Team, FCA US, focusing on 1) stories you can't see elsewhere or told a different way, 2) engagement to drive third-party shares, and 3) giving our online communities a reason to follow each of our core social media platforms.
Project Work Economia dei gruppi e Bilancio consolidato.
Analisi del Gruppo FCA, Storia della Fiat e i passi che hanno portato alla fusione con Chrysler, processo di fusione, sede legale FCA, sede fiscale FCA, Struttura organizzativa, relazioni intragruppo e principali dati economico finanziari del gruppo.
Conduct Risk. Assessing risk and identifying cultural drivers for clear defin...Compliance Consultant
Conduct Risk is sweeping the financial services world and catching many risk manager out as there is still a lack of understanding.
Our Compliance Manual is available at http://bit.ly/ComplianceManualTemplate
Risk management need to determine the corporate risk philosophy and appetite. To assess or understand the risk philosophy, try to comprehend the organisation's culture, values and environment. The way business operations are conducted on a daily basis and the organisation’s strategy are typically good indicators where you can find the company risk philosophy. Assess whether business has an aggressive, innovative, typical or conservative attitude towards risks for achieving business goals.
Risk appetite is simply the amount of risk which the organisation is willing to take to undertake business activities and achieve the business objectives, where Conduct Risk is concerned this has to include good customer outcomes. A simple question to ask the board of members could be “What amount of reported mismanagement or public uproar would make you uncomfortable if it appeared in the business newspapers?”
Consolidate the various risk exposures from the risk department's identified risks and present them to the board. Finally, assess whether the company’s internal perception and rhetoric on risk philosophy and appetite are consistent with the board and other stakeholder's viewpoints. Realign the two where required to prepare the annual strategy.
Build Your Framework.
Insight is one of the crucial components of a mental status examination in Psychiatry. Scarce data is available in the standard textbooks on this concept.
The following presentation was made after going through the myriad of articles and case studies i found online.
Bovill briefing - Evidencing Suitability - June 2016bovill
It’s been on the agenda for ages, and yet suitability remains the FCA’s over-riding concern in the Wealth Management and Financial Advice sectors. We’re now five years on from the 2011 ‘Dear CEO’ letter, but it’s clear from recent supervisory activity that the regulator believes the majority of client files are still failing to evidence suitability. The recent spate of s166 skilled person notices, issued in the wake of the 2015 wealth sector suitability review, are a sure sign that patience has run out.
Marketing PlanBy Tara SeitlerThe Gap Company 1.docxinfantsuk
Marketing Plan
By: Tara Seitler
The Gap Company
1
1
Agenda
Current Marketing Situation
Market Description
Product Review
Competitive Review
Distribution Review
SWOT Analysis
Micro-environments
Macro-environments
2
Current Marketing Situation
Market Description
Target Market
Market Targeting strategy
Value proposition – The Gap Company
Consumer behavior
Buyer decision principles
3
Target Market
GAP is a brand-builder.
We create emotional connections with customers around the world through inspiring product design, unique store experiences and compelling marketing.
It’s goal is to simply make it easy for customers to express their personal style throughout their life.
GAP hoped that effective Web initiative could let company to solidify its brand, improve customer relationships, serve markets that could not support a store and cut costs.
Company also believed that going online would attract new customers and steal market share from competitors.
4
Target Market- Segmentation
Target Section of Market
Residential,
Non-residential,
Mobility and
Personal
Buyers Category
Upper middle and upper class individuals
5
Marketing Strategy
Marketing objective is to create a perception in the mind of the customer about the product.
Build image of product as a different product through adopting the strategy of differentiation of porter
Restructure the business
6
Restructure Business
Transform business management focusing on from quantity to profitability
Reduce fixed cost and downsize business structure to fair size
TV set business
Product
Create competitive products on its strength
Cost structure
Thoroughly improve cost structure
Restructuring
Completion of domestic sites integration and acceleration of overseas sites restructuring
7
Pricing Decision and Strategy
Keep Retailer and Customer pricing strategies different
Captive Product Pricing
The company makes its pricing strategies by having the knowledge of its competitor`s pricing
We can include USB connectivity devices
We can include Home Theatre along with
The prices of these accessories are kept relatively than other brands.
8
Sale Strategy
Sale Strategy - Sale Through
Manufacturer whole seller/dealer consumer
Sale Out (Sales To the retailer)
Manufacturer (company) Authorized Dealers
9
Sale Through
Whole seller/retailers are the customers of manufacturers, manufacturers sell their products to the Whole seller and indirectly (through retailer) to the end consumers.
This process of selling is called “Sale Through”
Sale Out :
The company will sell the products to the retailers which are actually the customers of the Company.
There will be no medium used between the company and the retailer.
This procedure of selling is called “Sale Out”
9
Value Proposition
They are predicated value proposition from the mindset of your custome ...
How to Start A Business In California.pdfSmartSkill97
Welcome to the ultimate guide on starting a business in California in 2023. With its vibrant economy and innovative spirit, California continues to be a hotbed for entrepreneurial endeavors. Whether you're a local resident or drawn to the state's opportunities, this guide will help you to navigate “how to start a business in california” through the essential steps to establish your business successfully.
From ideation and business planning to legal requirements and financial considerations, we've got you covered. Join us on this journey as we unravel the intricacies of launching a business in the Golden State and turning your vision into a thriving reality.
Every three years we conduct global research
into “What it Takes to Win Business” based on
the perspectives of 178 global Buyers and Sales
Professionals from a range of industry sectors.
We use the findings to help our clients understand
how their customers make their buying decisions,
become more customer-centric and improve their
win/loss ratio.
Leveraging the modern purchasing funnel is one of the most powerful ways of maximising business ROI from your brand and marketing spend. Do you really know what the purchasing funnel is for your category, how you are performing against your competitors, where the holes are in your funnel, and how many customers you are really losing?
Analytics Retention - Must-Have Analytics For Your Retention Tool Kit via Forrester Research by Srividya Sridharan with Dave Frankland and Allison Smith
How to Jumpstart Your Business Success by Creating a Customer First Culture |...UCICove
About UCI Applied Innovation:
UCI Applied Innovation is a dynamic, innovative central platform for the UCI campus, entrepreneurs, inventors, the business community and investors to collaborate and move UCI research from lab to market.
About the Cove @ UCI:
To accelerate collaboration by better connecting innovation partners in Orange County, UCI Applied Innovation created the Cove, a physical, state-of-the-art hub for entrepreneurs to gather and navigate the resources available both on and off campus. The Cove is headquarters for UCI Applied Innovation, as well as houses several ecosystem partners including incubators, accelerators, angel investors, venture capitalists, mentors and legal experts.
Follow us on social media:
Facebook: @UCICove
Twitter: @UCICove
Instagram: @UCICove
LinkedIn: @UCIAppliedInnovation
For more information:
cove@uci.edu
http://innovation.uci.edu/
Original article from the Flevy business blog can be found here:
http://flevy.com/blog/business-is-a-contact-sport/
Too many businesses, young or old, struggle or fail because they never understand that you have to practice, practice, practice, then get in the ring and fight as if your life depended on it!
Business is a brutal contact sport for five main reasons, and it’s getting worse. You will not survive, grow and prosper:
1. if you don’t listen to and learn from your customers and others who know more about them than you do
2. if you can’t sell to customers empathically and build their sustained trust and loyalty
3. if you don’t understand and outmanoeuvre the competition in whatever form it comes
4. if you don’t learn fast and adapt by experimenting, finding out what works, and perhaps even more importantly, drop like a stone your cherished preconceptions, prejudices and sacred cows that don’t or won’t work
5. if you can’t retain, motivate and enthuse great staff.
If you want to win, and go on winning, be prepared. It will bruise you like going 15 rounds with Muhammad Ali!
The bewildering choice available to customers and their ability to gather and test information rapidly via the Internet are ruthlessly exposing weak business models, knowledge, thinking, attitudes, character, messages and behaviour like never before.
On 1 st January, my 4 business partners and I officially re-launched my company Resolve Gets Results to address the same three problems we constantly encounter in businesses we work with, which drive us crazy!
• They are obsessed with their product or service, which they assume everyone will love like they do, not with customers.
• They are dangerously preoccupied and distracted by internal perspectives (what I call ‘inside-out thinking’), including unrealistic financial objectives, restructuring, unsubstantiated opinions, personalities, personal crusades/ego trips, power struggles and politics.
UBC Phar400 Marketing Pharmacy Professional Services-25Oct2013Gerry Spitzner
Presented to 4th year Pharmacy students at UBC Pharmaceutical Sciences in the Phar400 Pharmacy Business Management course.
As part of the curriculum students are required to work in teams to create a new sustainable professional clinical service supported by a business plan. At the end of the semester the teams present in a "pitch" to classmates and a panel of judges. Winners are determined by their peers.
In this fourth presentation of the semester we focus on Marketing healthcare professional services. We define marketing and explain how the marketing concept applies to marketing professional services.
Learning objectives:
>Brand and Branding
>Marketing 101
>Managing the Marketing Mix
>Marketing Pharmacy Professional Services
Big Data and Analytics in your Organisation talk.pdfPaul Laughlin
My presentation to the ILA Digital Community Showcase event at the Vale Hotel in Glamorgan on 7 Oct 2022. Introducing the topic of Digital Transformation to healthcare leaders in Wales.
Data Leadership talk for CIIA March 2022.pdfPaul Laughlin
Slides presented to the Chartered Institute of Internal Auditors on the challenge of being a data leader & the skills needed for such leaders (and their teams) to succeed.
You can read more about this event here:
The Softer Skills analysts need to succeed in their careersPaul Laughlin
A talk that I gave to the UK's Operational Research Society's annual Analytics & AI Summit 2021 (#AS21). Focusing on the Contracting & Delivering parts of this training model.
The Softer Skills that analysts need (beyond Data Visualisation)Paul Laughlin
A talk I gave at #DataVizLive online event in Nov 2020. Introducing the Laughlin Consultancy 9-step model for Softer Skills needed by Analysts & previewing some of those steps (beyond data visualisation & storytelling skills).
Presentation to Analytics Network of the OR Society Nov 2020Paul Laughlin
Presentation on 'The Softer Skills that Analysts need' presented by Paul Laughlin at a virtual event run for the Analytics Network group within the UK OR Society. Exploring Paul's 9 Step Model for effective analysis & explaining how Softer Skills are essential throughout that workflow.
Do data leaders face unique challenges as leaders?Paul Laughlin
A leadership development talk given to private event for senior data leaders - it sparked some really useful conversations. To find out more please checkout: http://laughlinconsultancy.com
The People Skills analysts need to succeed in their careersPaul Laughlin
Slides from a webinar that I presented. Sharing some of the highlights of my one-day online training course on People Skills for Analysts, including my 9-step-model for effective analysis. Further details available from: http://laughlinconsultancy.com
It's so important at this time to use trusted sources for your analysis & Data Viz, even in simple dashboards. This deck helps reveal some of the sources you can use.
The Softer Skills Analysts need to make an impactPaul Laughlin
25 min presentation given at London Business School, to the OR Society's Analytics Network. Summarising Laughlin Consultancy's 9 step model of Softer Skills for Analysts.
Sharing results of researching 1k UK consumers on their digital customer experience, to show need for positive response to GDPR & the key role of Identity Relationship Management.
How life-event data can improve & protect your marketing in a post-GDPR worldPaul Laughlin
Understanding the role of life-event data and life-event marketing in both improving marketing effectiveness and protecting consumer interest/reach following GDPR enforcement. Sponsored by Royal Mail Data Services and MyCustomer.com
Softer Skills workshop for #DTS16 event in EdinburghPaul Laughlin
Slides presented as keynote workshop at Data Talent Scotland 2016 event, brining together Data Science students, academics, employers & data industry for conversation & talent pipeline.
Presentation at Big Data & Analytics for Insurance 2016Paul Laughlin
Presentation on the Softer Skills that Data professionals also need to make an impact. Summary of key lessons from the very popular Consultancy Skills for Analysts training course from LaughlinConsultancy.com
Behavioural economics for The Financial Services Forum members conference 2015Paul Laughlin
A brief introduction to Behavioural Economics and suggestions for getting started with applying such hypotheses to improving customer communications. Presented at The Financial Services Forum annual members conference in March 2015.
An introduction to Laughlin Consultancy. Who we are, what we do & why companies need help with Customer Insight Leadership. Our Services include Consultancy, Training & Coaching. Happy to chat further if you want to maximise the value of your Customer Insight.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
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What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
2. Why should you listen?
❖ Created and lead customer insight teams for all the major
insurance brands, products & channels used by Lloyds
Banking Group over 13 years
❖ Added over £11m incremental profit to bottom line annually
❖ Pioneered LBG work with FCA on Behavioural Economics
testing insurance communications
❖ Developed capability into a team of 44 & mentored next
generation of leaders
Paul now leads Laughlin Consultancy, a specialist business:
“Helping businesses make money from customer insight”
Laughlin Consultancy helps companies maximise sustainable
value from their customer insight, for example by growing their
bottom line, improving customer retention and demonstrating
to their regulator that they treat customers fairly.
15. How FCA is using Spotlight
15
‘Proofs of Concept’ initiatives
Customer Contact Centre
Profiling FCA consumers to build a more effective picture of the
types of ‘customer’ the FCA has, and customer management
Authorisations
Supervision
Thematic projects
Taking firm customer lists; profiling the customers; examining
potential for risk and mis-match with marketing intentions
Enforcement
Consumer Credit – Consumer journey
Using segmentation model to explore differences in use of credit
and personal risk, to inform emerging organisation strategy
PRR Insight Papers and Reports
Using the segmentation model to identify the consumer segments
most likely to be affected by a particular emerging risk
Victims of Financial Crime
Profiling victims to segments; interviewing a sample from key
segments to build an understanding of how they got caught, and
use the insight to help inform enforcement and communications
strategies
Policy, Risk &
Research
Communications
20. Why is this relevant to you?
Even when you treat them as individuals & target them
accurately, your customers could be vulnerable to making
poor decisions due to these biases.
Do your customers…
1. …find your propositions complex & boring?
2. …need to make decisions based on assessing risk or uncertainty?
3. …need to make trade-offs between the present and the future?
4. …find these decisions emotional or fearful?
5. …lack opportunities to learn by making these decisions?
22. Reference Dependence
Assessing gains or losses in comparison to a subjective reference
point, one example ifs other propositions on the market or purchase
at same time.
(Also termed ‘anchoring’)
24. Projection Bias
The expectation that your current feelings, attitudes & preferences will
continue into the future. So, you underestimate the potential for
change.
26. Mental Accounting & Narrow Framing
The behaviour whereby people treat money or assets differently
according to the purpose assigned to them.
Considering decisions in isolation not overall impact.
27. Spotting the ‘Dark Side’
FCA clearly signalled BE will form a key part of its policy,
enforcement & supervision toolkit.
FCA have stated they will use these as early warnings:
• Rip-offs: Uncompetitively high margins
• Suckers: Concentrated profits in small customer group
• Bargains: Innovative propositions that appear very cheap
• Traps: Contract features that often target BE biases
• Regret: Reported or potential regret
• Folly: Choices out of line with common sense
• Confusion: Observed or likely confusion
37. 1. Cross functional teams review data,
research and analysis to answer a set of
core questions about their target
customer and “map the evidence”
2. Those “Evidence Maps”
are reviewed to identify key
customer themes
3. Structured questioning
techniques are used to dig
deeper to develop insights
A “Customer Insight” is:
A non-obvious understanding
about your customers, which if
acted upon, has the potential
to change their behaviour for
mutual benefit
4. Insights are prioritised &
converged with opportunity
areas. to generate ideas
Insight Generation Workshops
38. Marketing Targeting
Propensity
to Buy
Product
Propensity
to Product
Loyalty
Propensity
to Repeat
Purchase
Propensity
to Brand
Response
Propensity
to Channel
Response
Timing
Event
TriggersLife
Stages
Suppressions &
Permissions
Optimal Aggregation
Optimal Brand
Optimal Channel/Media
Target
Segments
Regional
Focus
Personalised
Comms
Attitudinal
Offers
40. Model for designing BE tests
Identified
Customer Need
Bias 3? Bias 2?
Bias 1?
Rational
Behaviour
Analyse
Actual
Behaviour
Use Eye
Tracking to
spot issues
Test
Mitigations
(field trials)
Refine
Behavioural
Experiments
(panels)
Hypothesise
Biases at work &
Design mitigations
Review BE biases
that could explain
irrational behaviour
Comms