Digital & Breakfast (Finance)

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The document discusses several key topics related to digital disruption in the insurance industry. Over the last decade, more than half of total marketing spend in the insurance industry came from carriers that did not gain market share. Currently, a small percentage of consumers research products online before purchasing, but two-thirds expect to in the future as customers demand more control over the purchasing process. Insurers also lag behind other industries in terms of customer service and retention, yet providing a quality customer experience will be increasingly important as digital technologies continue to disrupt the industry.

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DIGITAL
DISRUPTION

In the last decade, $19 billion, more than half the
total marketing spend for the entire industry,
came from carriers that did not gain share.

source: Global Insurance Survey: EY 2012

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158,333,333
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the system is broken

http:/
/www.youtube.com/watch?v=aXV-yaFmQNk
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In 2017, CMO´s will have a larger share of the
technology budget than the CIO

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DISRUPTION
empowered
purchase
funnel

service
spoiled

insurance stress

personal2.0

mobile ﬁrst

authenticity

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EMPOWERED
PURCHASE FUNNEL

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A small number of consumers (27%) currently
conduct product research prior to purchasing, but
two-thirds (66%) expect to in the future

source: Global Insurance Survey: EY 2012

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Source: Beyond price, the rise of customer centric insurance companies; McKinsey 2012

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SERVICE EXPERIENCE
It´s never about price...

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More than half of customers (51%) said their
insurers made no eﬀort to retain them, although
62% indicated they would be more likely to renew
if contacted.

source: Global Insurance Survey: EY 2012

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Only 35% of consumers have a very or strongly
favorable view of the insurance & ﬁnance
industry, and 39% believe it lags behind other
industries in service

source: Global Insurance Survey: EY 2012

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Roughly half of consumers (52%) prefer to buy
multiple products from the same provider, citing
convenience and the value as the key factors.

source: Global Insurance Survey: EY 2012

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http:/
/www.youtube.com/watch?v=35aWgiA0YK4
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http:/
/www.youtube.com/watch?v=Dtp_mq2fO24
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MOBILE FIRST

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http:/
/www.youtube.com/watch?v=o-r4Z1K_LDc
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http:/
/www.youtube.com/watch?v=Drf0RrDfo64
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PERSONAL (2.0)

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http:/
/www.youtube.com/watch?v=ggWY7OPag0s
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AUTHENTICITY: ADVERTISING
FOLLOWS EXECUTION

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http:/
/www.youtube.com/watch?v=cDsVOXTQAIs
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http:/
/www.youtube.com/watch?v=BHJvuwZdlZ4
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HANDCRAFTED TECHNOLOGY FOR BRANDS

http:/
/marketingthoughts.ktcagency.com

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The document analyzes the natural search visibility and paid search media market share of major automotive companies. Some key findings include: - Ford has the largest share of natural search visibility at 22%, followed by GM at 17% and Chrysler at 15%. - At the brand level, Ford has the highest visibility share at 18%. - Many top keywords had no visibility for any brand, such as "used car" and "car loan". - Ford and Toyota were the only companies with visibility for the highest volume keyword, "car". - Honda's site had the highest ranking brand URL. - Hyundai had the largest share of paid search media on Google at 30%.

Best UX Experiences in Auto Insurance

Matt Bruce

KeyLime Interactive conducted a review of the mobile websites and apps of 8 major auto insurance companies. They surveyed 500 participants to understand which features were most important. GEICO, USAA, and State Farm performed the best overall. The top 10 most important capabilities according to consumers were the ability to login securely, access roadside services, track claims status, contact customer service, and more. The survey also provided other insights such as 39% feeling it is important for insurers to offer mobile apps and preferences for receiving insurance quotes.

Automotive Digital Advertising Facts Charts

Ancira Auto Group

The document discusses how and why the auto industry is shifting billions of dollars away from traditional offline media like newspapers and TV into online digital advertising strategies. It provides data showing that the majority of automotive research is now done online, with consumers spending many hours researching vehicles online. As a result, automakers and dealers are adjusting their advertising spending to better match where consumers are getting their information by moving much of their budgets from offline to online media like search engines, display ads, and video.

Zero Dollar Car - Part 2: Rewriting the narrative in favor of the automotive ...

White Clarke Group

The Connected Vehicle Ecosystem

Booz Allen Hamilton

This document discusses various components, functions, and stakeholders involved in the automotive industry ecosystem. It mentions individual vehicle parts, manufacturing, testing, wireless connectivity, regulatory compliance, dealerships, suppliers, government entities, and more. The future of the industry is seen as increasingly connected, with opportunities for new revenue streams and services through collecting and analyzing vehicle and mobility data.

Zero Dollar Car: Why technology companies are focussing on the auto industry

White Clarke Group

Future-proofing the Internet of Things

The Economist Media Businesses

GeorgeApp

Alberto Forchino

GeorgeApp is a no-tap app that allows drivers to keep their eyes on the road and hands on the wheel by reading social messages aloud. It aims to reduce distracted driving accidents, which account for 25% of all accidents and 10% of fatal crashes among drivers under age 20. The app has a target market of 140 million Android users under age 40 who drive. It will be available for free download on Google Play with an optional annual subscription and generate revenue from ads on social media and partnerships with automotive, insurance, and telecom companies.

Presented by Tobin Trevarthen at Autotech Council September 2014 Advertising and commerce monetization of the connected car is possible today. Aha Radio delivered the first in-vehicle advertising execution with Quiznos back in December 2013. This live proof of concept delivered on the idea of distribution a contextually relevant offer, at the appropriate time, with a geolocation overlay that drove accountable outcomes at the cash register. The Medium is the Message is part of the what's next vision for how to create the connected car into a new medium.

The Future of Mobility: How We Connect to Our Cars by MRY

David Berkowitz

Infographic: World Insurance Report 2014

Capgemini

Next Generation Credit Decisions: Where big data outperforms the credit bureaus

White Clarke Group

This document discusses using big data scoring to improve lending decisions. It notes that 23% of the UK population and 25% of the US population are underbanked or non-prime customers. Traditional credit scoring uses limited data sources like loan applications and credit reports, but big data scoring analyzes additional sources like social media, online behavior, device info, and public records to generate more accurate risk assessments. The document presents two case studies where adding big data scoring reduced credit losses by 34.6% and 9.7% respectively for non-bank lenders while accepting the same number of loan applications.

Connected Car - Ian Beavis, EVP at Nielsen Global Automotive

wipjam

The document discusses findings from the 2014 Harris Poll AutoTECHCAST survey regarding consumer awareness and interest in connected car technologies. Some key findings include: - Most consumers have heard of a "Connected Car" but are not very familiar with the term. Interest in owning a Connected Car in the future is moderate. - Consumers prefer an integrated "built-in" Connected Car system to one that is brought in via smartphone. However, many have privacy concerns about data collection. - OnStar is the most recognized Connected Car brand name. Awareness of specific Connected Car features is moderate but interest in having them in future vehicles is higher.

Using Online Social Networks to Commercialize the Networked Automobile

benres1

The document discusses the vision of using online social networks and data from networked automobiles to make driving more efficient and coordinated. It outlines several potential applications like mileage logging, insurance pricing based on driving data, ridesharing, and contests. It argues this could be disruptive to large auto companies and outlines market drivers like rising gas prices and widespread WiFi/OBD-II adoption that enable such applications. Challenges discussed include privacy, unfamiliarity with OBD-II ports, and changing driver behavior.

Why O2O is the Next Big Thing in Mobile

Yan Di

The document discusses the growth of O2O (online to offline) commerce in Brazil. It states that O2O fits Brazil's reality as the population is growing younger and demands more quality services. The prerequisites for O2O growth, such as smartphone and mobile broadband penetration, are being met. Popular O2O verticals in Brazil currently include food delivery, ride-hailing, ticketing and beauty services, and the market is growing rapidly, though it is still 2-3 years behind China's level of development. The outlook is that O2O will continue its fast growth in Brazil across many verticals.

UX for connected cars

Plan

This document discusses user experience (UX) considerations for connected vehicles. It notes that while technology promises future value in areas like infotainment, driver assistance, and vehicle health, many consumers do not adopt new technologies. Effective UX design requires understanding human factors and avoiding information overload. Interactions should feel more natural and contextual rather than relying on more screens. The future of mobility is expected to include a mixed economy with growth in alternative modes like ride- and car-sharing alongside private ownership, though changes may happen gradually rather than through revolutionary technologies.

Captives response to changing customer expectations

White Clarke Group

Galactic Motors Corporation

Seaworthy67

Galactic Motors Corporation is developing the See-3 collision avoidance system to target distracted and urban drivers. The collision avoidance technology market is estimated to grow to $10.1 billion by 2020. The See-3 system will use sensors to detect potential road hazards and relay warnings to drivers in real-time via their smartphone. It will have a relatively low price point and can be installed after-market. Galactic Motors is seeking $475,000 in equity investment to fund operations for 6 months, including product development, marketing, and hiring.

What China Taught Us about Internet

Yan Di

This document discusses lessons China has taught about the internet based on its experience and leadership in various areas. Some key points made include: - China has the largest internet and mobile user base in the world, with mobile internet now dominating over PC-based internet access. - Chinese internet and mobile companies like BAT (Baidu, Alibaba, Tencent) dominate the market and are pioneering the development of "super apps" that integrate multiple services. - China leads in mobile payments, e-commerce, and venture capital funding for internet startups. Chinese companies also innovate in areas like online-to-offline integration and content/service delivery models. - Looking ahead, China is poised to

Connected Car : 7 pays sur la voiture connectée

Kantar

En 2020, 8 voitures neuves vendues dans le monde seront connectées. Dans cette perspective, le groupe TNS et BearingPoint ont mené l’étude « Connected Car » auprès de possesseurs de véhicules connectés dans 7 pays d’Europe (Allemagne, Espagne, France, Hollande, Norvège, Royaume-Uni et Suède). Cette étude se penche sur la réalité de cet engouement et les défis qui attendent les constructeurs pour y répondre. http://www.tns-sofres.com/publications/ConnectedCar

Connected Cars: Understanding Drivers In A Connected World

MRS

This document summarizes research from a survey of over 3,700 connected car drivers across several European countries. It finds that while 60% of buyers consider connected car features important, 40% are unaware of their vehicle's connectivity. It also reports that premium brands have achieved higher awareness of connected features than volume brands, but demonstrates room for improvement across brands. Finally, it concludes that safety, navigation and entertainment are seen as the main benefits but that engagement during sales and on renewals can help carmakers better seize the connected car opportunity.

Insuring Autonomous Vehicles: An $81 Billion Opportunity Between Now and 2025

Accenture Insurance

Stevens Institute of Technology predicts that as many as 23 million fully autonomous vehicles will be traveling US highways by 2035. This presents the automobile insurance industry with a significant near-term opportunity. We estimate that the switch to autonomous vehicles will generate at least $81 billion in new insurance revenues in the US between 2020 and 2025. Autonomous vehicles will be owned by original equipment manufacturers (OEMs), over the top players and other providers such as ride-sharing companies, but models designed by Accenture in collaboration with Stevens institute indicate that these decreases will be offset by new insurance product lines. Insurers should be taking action now to change and adapt their business models to convert this opportunity. Read more https://www.accenture.com/us-en/insight-autonomous-vehicles-opportunity-insurers

Insuring Autonomous Vehicles - An $81 Billion Opportunity between Now and 2025

Chen Liu

The rate of adoption for autonomous vehicles can be debated, but there is little doubt that such vehicles will eventually predominate the world’s highways. Automobile insurers should embrace, rather than fear, the future. Our research and modeling conducted in conjunction with Stevens Institute indicates that there will be a significant opportunity for insurers in the near- to mid-term (over the next five to ten years) as the need for cyber insurance and product liability insurance on vehicles outpaces the decrease in individual premium revenues. Taking advantage of this shift will require a major cultural adjustment for auto insurers, as well as close interaction with regulators and other policymakers. However, insurers taking preemptive steps now to convert this opportunity will be in a much better position to succeed as the autonomous vehicle revolution continues and the world shifts, however gradually, to this new mode of transportation.

Mobile Marketing for Auto Dealers - Cars2Go - Bob Bentz - World Telemedia 2012

Purplegator

Bob Bentz presents Advanced Mobile's Cars2Go mobile marketing products for auto dealers. The Cars2Go platform includes an auto dealer app, mobile website, text message marketing, custom QR Code, and Text Chat services. You can learn more about Cars2Go at http://www.advancedmobile.com . Seminars from the show can be seen here: http://www.wtevent.co.uk/wt_2012/seminars_Day1.html . World Telemedia 2012 was held in Marbella, Spain. This was the fourth consecutive year that Bob Bentz was a featured speaker at the show. http://www.advancedtele.com/blog/2012/10/around-the-ats-office-spain/

Extended opening comments from the Chair

MRS

The document discusses six key drivers of change that will reshape the auto industry over the next decade: 1) accelerating disruptive competition and innovation from new entrants, 2) changing customer relationships due to new mobility options, 3) challenges of digitalization across the value chain, 4) securing strategic resources like talent and technology, 5) unpredictable economic and political volatility, and 6) heightened scrutiny from regulators and advocacy groups. It notes that most auto companies lack preparedness and resources to enable faster change needed to respond to these drivers.

Consumer Trust - Digital in Canada 2020

Mindshare Canada

How mobile is creating a buzz in the online performance marketing channel - L...

auexpo Conference

Liane Dietrich discusses how mobile is creating growth opportunities in online performance marketing. She notes that consumers are increasingly using mobile devices to research products online. Many companies and publishers are now investing in mobile and seeing benefits from mobile affiliate marketing. While challenges remain, networks like LinkShare are working to facilitate mobile affiliate tracking across different devices and browsers to help the industry capitalize on the growing mobile opportunity.

Mobilising your Social Media Journey

MRS

1) Mobile devices now outnumber people in the world, and consumers will have 3-4 connected devices by 2018. This mobile shift requires new measurement approaches. 2) Car research now happens everywhere, including on mobile devices. 71% of car shoppers plan to research on mobile, and buyers want control and information online before visiting dealerships. 3) Traditional marketing metrics like click-through rates correlate poorly with outcomes like purchase intent. People-based measurement across platforms is needed to understand consumer journeys from awareness to conversion.

Customer experience google 0707

Clotilde Chenevoy

(Another) Wild Year in Data Privacy: What Went Down in 2022 & What to Expect ...

Tinuiti

What's hot

In Car Commerce - Tobin Trevarthen, Founder at Spacial Shift

wipjam

The Future of Mobility: How We Connect to Our Cars by MRY

David Berkowitz

Infographic: World Insurance Report 2014

Capgemini

Next Generation Credit Decisions: Where big data outperforms the credit bureaus

White Clarke Group

Connected Car - Ian Beavis, EVP at Nielsen Global Automotive

wipjam

Using Online Social Networks to Commercialize the Networked Automobile

benres1

Why O2O is the Next Big Thing in Mobile

Yan Di

UX for connected cars

Plan

Captives response to changing customer expectations

White Clarke Group

Galactic Motors Corporation

Seaworthy67

What China Taught Us about Internet

Yan Di

Connected Car : 7 pays sur la voiture connectée

Kantar

Connected Cars: Understanding Drivers In A Connected World

MRS

Insuring Autonomous Vehicles: An $81 Billion Opportunity Between Now and 2025

Accenture Insurance

Insuring Autonomous Vehicles - An $81 Billion Opportunity between Now and 2025

Chen Liu

Mobile Marketing for Auto Dealers - Cars2Go - Bob Bentz - World Telemedia 2012

Purplegator

Extended opening comments from the Chair

MRS

Consumer Trust - Digital in Canada 2020

Mindshare Canada

How mobile is creating a buzz in the online performance marketing channel - L...

auexpo Conference

Mobilising your Social Media Journey

MRS

What's hot (20)

In Car Commerce - Tobin Trevarthen, Founder at Spacial Shift

The Future of Mobility: How We Connect to Our Cars by MRY

Infographic: World Insurance Report 2014

Next Generation Credit Decisions: Where big data outperforms the credit bureaus

Connected Car - Ian Beavis, EVP at Nielsen Global Automotive

Using Online Social Networks to Commercialize the Networked Automobile

Why O2O is the Next Big Thing in Mobile

UX for connected cars

Captives response to changing customer expectations

Galactic Motors Corporation

What China Taught Us about Internet

Connected Car : 7 pays sur la voiture connectée

Connected Cars: Understanding Drivers In A Connected World

Insuring Autonomous Vehicles: An $81 Billion Opportunity Between Now and 2025

Insuring Autonomous Vehicles - An $81 Billion Opportunity between Now and 2025

Mobile Marketing for Auto Dealers - Cars2Go - Bob Bentz - World Telemedia 2012

Extended opening comments from the Chair

Consumer Trust - Digital in Canada 2020

How mobile is creating a buzz in the online performance marketing channel - L...

Mobilising your Social Media Journey

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Presentation PickMeApp

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This document discusses how companies can pay for customer transportation through a shared transportation application called PickMeApp. It notes that by paying for customer transportation, companies can offer added value, gain customer behavior insights, and better understand their audience through data analytics. The document promotes PickMeApp as a smartphone application that matches drivers, events and consumers, and notes it has over 25,000 downloads and nearly 15,000 active users. It also provides statistics on the Brazilian entertainment market and big data analytics market to demonstrate opportunities.

2020 IDG Role & Influence of the Technology Decision-Maker

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IDG’s 2020 Role & Influence of the Technology Decision-Maker Research provides in-depth insight into the influence that IT decision-makers (ITDMs) play in this changing landscape, as well as how the IT purchase process has changed due to the pandemic. The study looks at the types of tech purchases organizations plan to make, who is involved in each stage of the process, and the information sources relied upon in order to make the final purchase decision.

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Internet of Everything for Marketers

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The document discusses the Internet of Everything (IoE) and its impact on marketing. It defines IoE as the networked connection of people, processes, data and things. It predicts that IoE will allow for hyper-aware, predictive and agile marketing approaches. Specifically, IoE will enable more contextualized customer understanding and offerings through sensors and data analytics. It also asserts that realizing the value of IoE will require organizations to adapt processes, talent and partnering to handle increased connectivity and data. The value at stake from IoE is estimated to be over $19 trillion globally by 2022.

The connected Beauty Consumer

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Mobile Banking Trends

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The document discusses various topics related to mobile technology and banking. It provides statistics showing that the US lags behind other countries in mobile adoption but that 4G networks will help close the gap. Mobile video usage is growing significantly and location-based services are popular. Mobile banking adoption is increasing in the US, with over 40 million users expected by 2012, and incentives help drive adoption especially among younger customers. Banks can reduce costs through mobile banking by lowering transaction costs and replacing repetitive tasks done by employees.

How Insurance CIOs Can Remake Themselves to Lead Digital Transformation

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Top 50-megatrends

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The document presents statistics about technology trends affecting businesses, focusing on mobile devices, social media, cloud computing, big data, and apps. Some key points include: mobile devices like phones and tablets are increasingly how people access the internet; social media is influencing purchasing decisions for many consumers; cloud computing spending and adoption is growing significantly; the amount of data being created is massive and growing exponentially; and apps have become a major force in both consumer and business technology with billions being downloaded annually.

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IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】 1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640 2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书； 3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书； 4、回国时间很长，忘记办理； 5、回国马上就要找工作，办给用人单位看； 6、企事业单位必须要求办理的；面向美国乔治城大学毕业留学生提供以下服务: 【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】【★真实教育部认证，教育部存档，教育部留服网站可查】【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。专业服务，请勿犹豫联系我如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我你赢我赢，共创双赢你做代理，可以帮助帝国理工大学同学朋友你做代理，可以拯救帝国理工大学失足青年你做代理，可以挽救帝国理工大学一个个人才你做代理，你将是别人人生帝国理工大学的转折点你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达

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"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.

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DOT TECH

Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options. Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026. Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell. Consequently, right now. All you need to do is select the right pi network provider. Who is a pi merchant? An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant. debuts. I'll provide you the what'sapp number. +12349014282

2. Elemental Economics - Mineral demand.pdf

Neal Brewster

After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.

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University of Calabria

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egoetzinger

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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.

when will pi network coin be available on crypto exchange.

DOT TECH

There is no set date for when Pi coins will enter the market. However, the developers are working hard to get them released as soon as possible. Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges. But for now the only way to sell your pi coins is through verified pi vendor. Here is the what'sapp contact of my personal pi vendor +12349014282

WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster

muslimdavidovich670

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telilaalilemlem

How Non-Banking Financial Companies Empower Startups With Venture Debt Financing

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Role of Information Technology in Revenue - Prof Oyedokun.pptx

Godwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR

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UoB本科学位证成绩单【微信95270640】伯明翰大学没毕业>办理伯明翰大学毕业证成绩单【微信UoB】UoB毕业证成绩单UoB学历证书UoB文凭《UoB毕业套号文凭网认证伯明翰大学毕业证成绩单》《哪里买伯明翰大学毕业证文凭UoB成绩学校快递邮寄信封》《开版伯明翰大学文凭》UoB留信认证本科硕士学历认证如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】 1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640 2、面对父母的压力，希望尽快拿到伯明翰大学伯明翰大学硕士毕业证成绩单； 3、不清楚流程以及材料该如何准备伯明翰大学伯明翰大学硕士毕业证成绩单； 4、回国时间很长，忘记办理； 5、回国马上就要找工作，办给用人单位看； 6、企事业单位必须要求办理的；面向美国乔治城大学毕业留学生提供以下服务: 【★伯明翰大学伯明翰大学硕士毕业证成绩单毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】【★真实教育部认证，教育部存档，教育部留服网站可查】【★真实留信认证，留信网入库存档，可查伯明翰大学伯明翰大学硕士毕业证成绩单】我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。专业服务，请勿犹豫联系我如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我你赢我赢，共创双赢你做代理，可以帮助伯明翰大学同学朋友你做代理，可以拯救伯明翰大学失足青年你做代理，可以挽救伯明翰大学一个个人才你做代理，你将是别人人生伯明翰大学的转折点你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩

一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理

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2. In the last decade, $19 billion, more than half the total marketing spend for the entire industry, came from carriers that did not gain share. source: Global Insurance Survey: EY 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

3. 158,333,333 DIGITAL& BREAKFAST PREMIERE SELECTION

4. the system is broken http:/ /www.youtube.com/watch?v=aXV-yaFmQNk DIGITAL& BREAKFAST PREMIERE SELECTION

5. In 2017, CMO´s will have a larger share of the technology budget than the CIO DIGITAL& BREAKFAST PREMIERE SELECTION

6. DISRUPTION empowered purchase funnel service spoiled insurance stress personal2.0 mobile ﬁrst authenticity DIGITAL& BREAKFAST PREMIERE SELECTION

7. EMPOWERED PURCHASE FUNNEL DIGITAL& BREAKFAST PREMIERE SELECTION

8. A small number of consumers (27%) currently conduct product research prior to purchasing, but two-thirds (66%) expect to in the future source: Global Insurance Survey: EY 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

9. DIGITAL& BREAKFAST PREMIERE SELECTION

10. DIGITAL& BREAKFAST PREMIERE SELECTION

11. Source: Beyond price, the rise of customer centric insurance companies; McKinsey 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

12. DIGITAL& BREAKFAST PREMIERE SELECTION

13. DIGITAL& BREAKFAST PREMIERE SELECTION

14. Source: Beyond price, the rise of customer centric insurance companies; McKinsey 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

15. SERVICE EXPERIENCE It´s never about price... DIGITAL& BREAKFAST PREMIERE SELECTION

16. More than half of customers (51%) said their insurers made no eﬀort to retain them, although 62% indicated they would be more likely to renew if contacted. source: Global Insurance Survey: EY 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

17. Only 35% of consumers have a very or strongly favorable view of the insurance & ﬁnance industry, and 39% believe it lags behind other industries in service source: Global Insurance Survey: EY 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

18. Roughly half of consumers (52%) prefer to buy multiple products from the same provider, citing convenience and the value as the key factors. source: Global Insurance Survey: EY 2012 DIGITAL& BREAKFAST PREMIERE SELECTION

19. DIGITAL& BREAKFAST PREMIERE SELECTION

20. http:/ /www.youtube.com/watch?v=35aWgiA0YK4 DIGITAL& BREAKFAST PREMIERE SELECTION

21. http:/ /www.youtube.com/watch?v=Dtp_mq2fO24 DIGITAL& BREAKFAST PREMIERE SELECTION

22. MOBILE FIRST DIGITAL& BREAKFAST PREMIERE SELECTION

23. http:/ /www.youtube.com/watch?v=o-r4Z1K_LDc DIGITAL& BREAKFAST PREMIERE SELECTION

24. http:/ /www.youtube.com/watch?v=Drf0RrDfo64 DIGITAL& BREAKFAST PREMIERE SELECTION

25. PERSONAL (2.0) DIGITAL& BREAKFAST PREMIERE SELECTION

26. http:/ /www.youtube.com/watch?v=ggWY7OPag0s DIGITAL& BREAKFAST PREMIERE SELECTION

27. DIGITAL& BREAKFAST PREMIERE SELECTION

28. AUTHENTICITY: ADVERTISING FOLLOWS EXECUTION DIGITAL& BREAKFAST PREMIERE SELECTION

29. ADVERTISING INCENTIVES Aﬃliate Brand Ambassador Banners Display Paid Endorsments PAID MEDIA PROPERTIES CONTENT Build trust Educate Catalog Websites Blog Mobile Curate UGC E-Mail Reviews Location-based Services EMBASSIES Facebook Twitter OWNED EARNED PROPERTIES MEDIA PARTNERSHIPS Charities Co-Branding Youtube Instagram Celebrities LinkedIn Pinterest SOCIAL Google+ OUTPOSTS PLATFORMS Relevant message boards Blogosphere INFLUENCER ENGAGEMENT Response Advocacy Loyalty Rather than allow campaigns to be driven by paid media, marketers must now develop scale and expertise in owned and earned media to drive effectiveness, cultivate creative ideas, assess customer needs, cultivate inﬂuencers, develop reach, achieve authenticity and cut through clutter DIGITAL& BREAKFAST PREMIERE SELECTION

30. http:/ /www.youtube.com/watch?v=cDsVOXTQAIs DIGITAL& BREAKFAST PREMIERE SELECTION

31. http:/ /www.youtube.com/watch?v=BHJvuwZdlZ4 DIGITAL& BREAKFAST PREMIERE SELECTION

32. HANDCRAFTED TECHNOLOGY FOR BRANDS http:/ /marketingthoughts.ktcagency.com DIGITAL& BREAKFAST PREMIERE SELECTION

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