En route vers les véhicules autonomes !Ipsos France
1) Driverless cars are predicted to hit the market between 2021-2025, with the automotive industry working towards fully automated vehicles that can drive themselves under all conditions without human intervention within the next 5-10 years.
2) A survey of over 130,000 car owners from 9 countries found that fully autonomous driving, emergency services, and traffic prediction were considered the most important future mobility features. Younger urban consumers showed the most interest while older rural residents showed the least interest.
3) Interest and acceptance of driverless cars varies significantly by country, with Asian consumers like those in Japan most welcoming while consumers in places like France and Germany remain more critical.
The document summarizes the results of several surveys conducted by eTailing India on taxi booking preferences and habits in India. It finds that most people prefer to book taxis by call followed by website. Most book taxis once a week or 3-5 times a week. When booking, people prioritize low cost, quick availability, and efficient service. BookMyCab is the most preferred brand followed by Ola and Meru. 89% of respondents said they are loyal to one taxi brand. The document also provides background on eTailing India and its founder Ashish Jhalani.
The document discusses survey results from eTailing India on online shopping behaviors in India. It finds that lower prices and 24/7 availability are the main reasons people buy products online over in-stores. While the ability to see and touch products are top reasons for in-store buying. Over 68% of respondents said they browse in-stores but buy online. Surveys also found that FDI in ecommerce would lead to lower prices and more jobs, but reduce profits for domestic companies. Online PC shopping was the most preferred channel according to the surveys.
The document discusses the impact of the ASEAN Economic Community (AEC) on the automotive industry in ASEAN. It finds that AEC will significantly boost automotive demand and production in ASEAN through increased trade and investment, improved technology capabilities, and stronger human resources. However, challenges remain in fully coordinating AEC implementation and developing infrastructure capabilities across ASEAN countries. Japanese automakers currently dominate ASEAN markets, but competition is emerging from other global brands investing in the region. The AEC is also expected to open new markets for automotive sales and production across ASEAN.
The document discusses the evolution of e-commerce in India and provides an overview of the e-commerce sector. It analyzes key drivers of growth for the sector such as increased internet usage and favorable demographics. The document also discusses major companies in the e-commerce space, including Info Edge and Just Dial, providing details on their business models, financial performance, and SWOT analyses. Graphs and comparisons with global markets are presented to showcase India's potential for future e-commerce growth.
Indonesia’s developing used car market is gradually becoming more structured due to the greater availability of flexible financing terms, standardized and authorized dealership channels and better transparency of information. Significant opportunities exist for Indonesia’s growing aftermarket landscape, with over 11 million PVs (~77% of total PV population) to be out of warranty by 2020, with an out of warranty population CAGR of 9.7% from 2015-2020. In our latest industry guide we explore the Implications for foreign and new market players seeking to capture Indonesia’s aftermarket opportunity.
Email your questions and comments about the contents to indonesia.bc@ipsos.com
En route vers les véhicules autonomes !Ipsos France
1) Driverless cars are predicted to hit the market between 2021-2025, with the automotive industry working towards fully automated vehicles that can drive themselves under all conditions without human intervention within the next 5-10 years.
2) A survey of over 130,000 car owners from 9 countries found that fully autonomous driving, emergency services, and traffic prediction were considered the most important future mobility features. Younger urban consumers showed the most interest while older rural residents showed the least interest.
3) Interest and acceptance of driverless cars varies significantly by country, with Asian consumers like those in Japan most welcoming while consumers in places like France and Germany remain more critical.
The document summarizes the results of several surveys conducted by eTailing India on taxi booking preferences and habits in India. It finds that most people prefer to book taxis by call followed by website. Most book taxis once a week or 3-5 times a week. When booking, people prioritize low cost, quick availability, and efficient service. BookMyCab is the most preferred brand followed by Ola and Meru. 89% of respondents said they are loyal to one taxi brand. The document also provides background on eTailing India and its founder Ashish Jhalani.
The document discusses survey results from eTailing India on online shopping behaviors in India. It finds that lower prices and 24/7 availability are the main reasons people buy products online over in-stores. While the ability to see and touch products are top reasons for in-store buying. Over 68% of respondents said they browse in-stores but buy online. Surveys also found that FDI in ecommerce would lead to lower prices and more jobs, but reduce profits for domestic companies. Online PC shopping was the most preferred channel according to the surveys.
The document discusses the impact of the ASEAN Economic Community (AEC) on the automotive industry in ASEAN. It finds that AEC will significantly boost automotive demand and production in ASEAN through increased trade and investment, improved technology capabilities, and stronger human resources. However, challenges remain in fully coordinating AEC implementation and developing infrastructure capabilities across ASEAN countries. Japanese automakers currently dominate ASEAN markets, but competition is emerging from other global brands investing in the region. The AEC is also expected to open new markets for automotive sales and production across ASEAN.
The document discusses the evolution of e-commerce in India and provides an overview of the e-commerce sector. It analyzes key drivers of growth for the sector such as increased internet usage and favorable demographics. The document also discusses major companies in the e-commerce space, including Info Edge and Just Dial, providing details on their business models, financial performance, and SWOT analyses. Graphs and comparisons with global markets are presented to showcase India's potential for future e-commerce growth.
Indonesia’s developing used car market is gradually becoming more structured due to the greater availability of flexible financing terms, standardized and authorized dealership channels and better transparency of information. Significant opportunities exist for Indonesia’s growing aftermarket landscape, with over 11 million PVs (~77% of total PV population) to be out of warranty by 2020, with an out of warranty population CAGR of 9.7% from 2015-2020. In our latest industry guide we explore the Implications for foreign and new market players seeking to capture Indonesia’s aftermarket opportunity.
Email your questions and comments about the contents to indonesia.bc@ipsos.com
There are several methods of e-insurance including websites run by insurance companies, product portals that aggregate links to insurance sites, point-of-sale portals that sell insurance alongside other products, intermediate brokers that match clients to policies, and aggregators that allow users to compare quotes from different insurers. While only 22% of the insurable population in India currently has insurance coverage, e-insurance has significant scope for growth due to factors like globalization, new market entrants, and changing consumer needs. However, e-insurance also faces challenges such as resistance to change, lack of technology adoption, different regulations across states, and complex insurance processes.
This document provides a summary of an insurance webinar discussing digital disruption in the Asian insurance industry. The webinar featured presentations from representatives of Bought By Many, an insurance aggregator, and Anthropic, an insurtech company, on their approaches to digital distribution of niche insurance products and using data analytics. It also included a presentation from AXA Assistance on providing insurance as a digital service beyond just claims, such as integrating health services. The webinar concluded with a discussion of how insurance business models and products are evolving to focus on partnerships, personalized recommendations, and adding value through integrated digital ecosystems.
Insurance Fintech Presentation by CF Yam at Lingnan University on 1 April 2016CF Yam
The document discusses the future of financial services and insurance with the rise of fintech innovations. It provides examples of how fintech is impacting areas like payments, deposits, lending, investment management, and insurance. Key developments discussed include the growth of digital aggregators for insurance rate comparisons, peer-to-peer and group purchasing models, usage-based insurance utilizing telematics and connected devices, the role of wearables and the internet of things, and the emergence of virtual insurers utilizing new technologies. Case studies from China are also provided on the use of social networks and mobile platforms to distribute insurance products.
This document outlines an idea for an online insurance quote comparison website called EZInsurance.com. It would allow customers to get instant online quotes from multiple insurers to compare rates and purchase policies. Unlike traditional brokers, the site would offer all available deals in the market. The business would generate revenue from commissions paid by insurers on policies purchased through the site. Key activities would include nurturing relationships with insurer partners, developing the technology platform, and performing online marketing.
Go digital or die. Are Middle East insurers ready?Olivier Bauchart
How quickly would they go in adopting the right digital/business transformation? How far would they go? What would the enablers be? What would the benefits be in doing so…but why would they embark on this journey in the first place? How would an aggregator manage to attract global brands to enrich their panels and increase their conversion rate?
As far as eCommerce, Online Insurance and Aggregators are concerned, let’s structure this outlook in 3 sections spanning Market Reality, Digital Transformation and Business Transformation.
This document discusses challenges in insurance distribution and various distribution channels. It notes that insurance is sold, not bought, and distributors play a key role in advising customers. Common developed market channels include agencies, brokers, bancassurance, and direct response. Challenges for insurers and distributors include building customer faith and credibility. Traditional agent-based distribution had drawbacks like lack of product knowledge. Emerging rural channels include banks, NGOs, post offices and internet kiosks. Success requires understanding customer needs and matching the right intermediaries with market segments.
The following presentation examines trends and best practices in Self Service, with respect to consumer trends, company strategies, tools and best practices in various industries.
We have reviewed the following types of Self Services:
Unassisted Self Service - where a customer can complete a transaction / receive the support he/she needs without requiring a human agent’s assistance at all. For example: online booking and ordering, online fund transferring, etc.
Assisted Self Service - where the customer can access the service at his/her own terms, but does require a human agent on the other side, for example: video tellers / conference calls, live chats with a live agent, email / SMS to an agent, etc.
Delivered at the International Microinsurance Conference 2014 in Mexico City (http://bit.ly/1rUzwBu) this presentation focuses on the need to understand the business compulsions and economics of the value chain members (Agents, MNOs and insurance companies) of mInsurance. It makes a case on existence of multiple mInsurance models and the business logic for each ... a comprehensive analysis of a complex subject.
The document discusses trends in the insurance industry towards digital transformation. It outlines how insurance is evolving from Insurance 1.0 which was analog, to Insurance 2.0 which was IT-enabled, to Insurance 3.0 which is digital. Key trends driving change include demanding customers, evolving technologies like AI and IoT, and disrupting startups. New business models are emerging like peer-to-peer, on-demand, usage-based, and social broker insurance. Technologies are disaggregating the traditional insurance value chain. Insurers need to focus on digital customer experience, omni-channel experience, optimized operations, and leveraging big data and analytics to adapt to these changes.
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
This document discusses e-insurance and its development and regulation. It first provides statistics on the global insurance industry and defines e-insurance as soliciting, offering, negotiating, and contracting insurance policies online. It then discusses how e-insurance can increase efficiency by reducing costs. The objectives are to review e-commerce practices in developing countries' insurance and discuss IT use in insurance. It outlines personal and commercial e-insurance coverage areas and issues. Regulations aim to supervise e-insurance operations and ensure transparency while competition rules still apply online.
RupeeBoss is an Indian financial services company established in 2016 that provides home loans, personal loans, credit cards, and business loans. It aims to become India's preferred destination for a wide range of loan products. RupeeBoss has a presence across 29 locations in India and over 250 employees in its first year. It is targeting Rs. 2000 crore in disbursements for fiscal year 2017-2018.
The document discusses bancassurance in India, including:
1) Examples of insurance company tie-ups with banks like LIC, SBI Life Insurance, and Birla Sun Life Insurance.
2) A SWOT analysis of bancassurance that identifies strengths like large bank and insurance networks, and weaknesses like lack of IT infrastructure and need for employee training.
3) Guidelines from the Reserve Bank of India and Insurance Regulatory and Development Authority for banks participating in insurance, including restrictions on risk participation and investment limits.
This document summarizes a panel discussion on accelerating digital transformation in the insurance industry in Indonesia. The panel included representatives from an Indonesian insurer and an Insurtech company. They discussed trends like the urgency of digital change, different speeds of digital adoption, and the need for an omni-channel approach. The insurer representative discussed their focus on digital distribution and a seamless online customer journey. The Insurtech representative discussed how their platform provides various insurance products and aims to improve insurance literacy. The panel saw the most attractive areas for Insurtech in Indonesia being new digital business models and value chain innovations in sales and marketing.
27.marketing strategies financial servicesPankaj Soni
This document discusses strategies for marketing financial services and products. It recommends networking through industry events and organizations, publishing articles to demonstrate expertise, and participating in conferences to meet potential clients. It also stresses the importance of building trust through community involvement and delivering high quality customer service. New digital marketing tactics are gaining importance, and early adopters in India's financial industry have seen benefits from strategies like social media promotion and online content platforms.
Insurance companies are considered ‘digital primitives’. Many established insurers are trying to device a digital strategy which is customer centered. Key change drivers that insurers cannot afford to miss while considering a customer centered digital strategy.
E-insurance refers to using the internet and technology to provide and distribute insurance services. It allows customers to purchase insurance policies fully online by requesting proposals, completing contracts, and negotiating coverage through websites and web applications. While e-insurance currently only accounts for about 1% of global insurance premiums, its market share is growing as more customers demand faster and easier ways to purchase insurance online. However, e-insurance also faces challenges from resistance to change, a lack of technology in some areas, and complex insurance regulations that vary by location.
Bandboo is an insurance technology platform that enables people to form digital mutual help communities to enjoy insurance protection. It focuses on underserved areas and uses blockchain technology and smart contracts to provide transparent insurance coverage to everyone at the lowest possible cost. Members pay monthly fees and only the exact amount needed for claims is collected, with unused premiums refunded at 100%.
1. What is Creative Destruction?
a. Creative Destruction and Marxism
b. Creative Destruction and Schumpeter
c. Creative Destruction and Laissez-Faire Economics
2. Cases of Creative Destruction
3. Problems of Creative Destruction
4. Creative Destruction vs Economic Destruction
1. Rewards Management
2. Types of Rewards
3. Incentives at Google, Wegmans, BCG
4. Reward System of Sanima Bank
5. Total Rewards Model
6. Organizational Justice
7. Organizational Entry, Violations of policies/Discipline, 8. Grievances and Grounds of Termination
9. Ethics Program, Organizational Entry, Ongoing Relationship, Discipline, Grievance Handling, Exit and Termination in Sanima Bank
There are several methods of e-insurance including websites run by insurance companies, product portals that aggregate links to insurance sites, point-of-sale portals that sell insurance alongside other products, intermediate brokers that match clients to policies, and aggregators that allow users to compare quotes from different insurers. While only 22% of the insurable population in India currently has insurance coverage, e-insurance has significant scope for growth due to factors like globalization, new market entrants, and changing consumer needs. However, e-insurance also faces challenges such as resistance to change, lack of technology adoption, different regulations across states, and complex insurance processes.
This document provides a summary of an insurance webinar discussing digital disruption in the Asian insurance industry. The webinar featured presentations from representatives of Bought By Many, an insurance aggregator, and Anthropic, an insurtech company, on their approaches to digital distribution of niche insurance products and using data analytics. It also included a presentation from AXA Assistance on providing insurance as a digital service beyond just claims, such as integrating health services. The webinar concluded with a discussion of how insurance business models and products are evolving to focus on partnerships, personalized recommendations, and adding value through integrated digital ecosystems.
Insurance Fintech Presentation by CF Yam at Lingnan University on 1 April 2016CF Yam
The document discusses the future of financial services and insurance with the rise of fintech innovations. It provides examples of how fintech is impacting areas like payments, deposits, lending, investment management, and insurance. Key developments discussed include the growth of digital aggregators for insurance rate comparisons, peer-to-peer and group purchasing models, usage-based insurance utilizing telematics and connected devices, the role of wearables and the internet of things, and the emergence of virtual insurers utilizing new technologies. Case studies from China are also provided on the use of social networks and mobile platforms to distribute insurance products.
This document outlines an idea for an online insurance quote comparison website called EZInsurance.com. It would allow customers to get instant online quotes from multiple insurers to compare rates and purchase policies. Unlike traditional brokers, the site would offer all available deals in the market. The business would generate revenue from commissions paid by insurers on policies purchased through the site. Key activities would include nurturing relationships with insurer partners, developing the technology platform, and performing online marketing.
Go digital or die. Are Middle East insurers ready?Olivier Bauchart
How quickly would they go in adopting the right digital/business transformation? How far would they go? What would the enablers be? What would the benefits be in doing so…but why would they embark on this journey in the first place? How would an aggregator manage to attract global brands to enrich their panels and increase their conversion rate?
As far as eCommerce, Online Insurance and Aggregators are concerned, let’s structure this outlook in 3 sections spanning Market Reality, Digital Transformation and Business Transformation.
This document discusses challenges in insurance distribution and various distribution channels. It notes that insurance is sold, not bought, and distributors play a key role in advising customers. Common developed market channels include agencies, brokers, bancassurance, and direct response. Challenges for insurers and distributors include building customer faith and credibility. Traditional agent-based distribution had drawbacks like lack of product knowledge. Emerging rural channels include banks, NGOs, post offices and internet kiosks. Success requires understanding customer needs and matching the right intermediaries with market segments.
The following presentation examines trends and best practices in Self Service, with respect to consumer trends, company strategies, tools and best practices in various industries.
We have reviewed the following types of Self Services:
Unassisted Self Service - where a customer can complete a transaction / receive the support he/she needs without requiring a human agent’s assistance at all. For example: online booking and ordering, online fund transferring, etc.
Assisted Self Service - where the customer can access the service at his/her own terms, but does require a human agent on the other side, for example: video tellers / conference calls, live chats with a live agent, email / SMS to an agent, etc.
Delivered at the International Microinsurance Conference 2014 in Mexico City (http://bit.ly/1rUzwBu) this presentation focuses on the need to understand the business compulsions and economics of the value chain members (Agents, MNOs and insurance companies) of mInsurance. It makes a case on existence of multiple mInsurance models and the business logic for each ... a comprehensive analysis of a complex subject.
The document discusses trends in the insurance industry towards digital transformation. It outlines how insurance is evolving from Insurance 1.0 which was analog, to Insurance 2.0 which was IT-enabled, to Insurance 3.0 which is digital. Key trends driving change include demanding customers, evolving technologies like AI and IoT, and disrupting startups. New business models are emerging like peer-to-peer, on-demand, usage-based, and social broker insurance. Technologies are disaggregating the traditional insurance value chain. Insurers need to focus on digital customer experience, omni-channel experience, optimized operations, and leveraging big data and analytics to adapt to these changes.
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
This document discusses e-insurance and its development and regulation. It first provides statistics on the global insurance industry and defines e-insurance as soliciting, offering, negotiating, and contracting insurance policies online. It then discusses how e-insurance can increase efficiency by reducing costs. The objectives are to review e-commerce practices in developing countries' insurance and discuss IT use in insurance. It outlines personal and commercial e-insurance coverage areas and issues. Regulations aim to supervise e-insurance operations and ensure transparency while competition rules still apply online.
RupeeBoss is an Indian financial services company established in 2016 that provides home loans, personal loans, credit cards, and business loans. It aims to become India's preferred destination for a wide range of loan products. RupeeBoss has a presence across 29 locations in India and over 250 employees in its first year. It is targeting Rs. 2000 crore in disbursements for fiscal year 2017-2018.
The document discusses bancassurance in India, including:
1) Examples of insurance company tie-ups with banks like LIC, SBI Life Insurance, and Birla Sun Life Insurance.
2) A SWOT analysis of bancassurance that identifies strengths like large bank and insurance networks, and weaknesses like lack of IT infrastructure and need for employee training.
3) Guidelines from the Reserve Bank of India and Insurance Regulatory and Development Authority for banks participating in insurance, including restrictions on risk participation and investment limits.
This document summarizes a panel discussion on accelerating digital transformation in the insurance industry in Indonesia. The panel included representatives from an Indonesian insurer and an Insurtech company. They discussed trends like the urgency of digital change, different speeds of digital adoption, and the need for an omni-channel approach. The insurer representative discussed their focus on digital distribution and a seamless online customer journey. The Insurtech representative discussed how their platform provides various insurance products and aims to improve insurance literacy. The panel saw the most attractive areas for Insurtech in Indonesia being new digital business models and value chain innovations in sales and marketing.
27.marketing strategies financial servicesPankaj Soni
This document discusses strategies for marketing financial services and products. It recommends networking through industry events and organizations, publishing articles to demonstrate expertise, and participating in conferences to meet potential clients. It also stresses the importance of building trust through community involvement and delivering high quality customer service. New digital marketing tactics are gaining importance, and early adopters in India's financial industry have seen benefits from strategies like social media promotion and online content platforms.
Insurance companies are considered ‘digital primitives’. Many established insurers are trying to device a digital strategy which is customer centered. Key change drivers that insurers cannot afford to miss while considering a customer centered digital strategy.
E-insurance refers to using the internet and technology to provide and distribute insurance services. It allows customers to purchase insurance policies fully online by requesting proposals, completing contracts, and negotiating coverage through websites and web applications. While e-insurance currently only accounts for about 1% of global insurance premiums, its market share is growing as more customers demand faster and easier ways to purchase insurance online. However, e-insurance also faces challenges from resistance to change, a lack of technology in some areas, and complex insurance regulations that vary by location.
Bandboo is an insurance technology platform that enables people to form digital mutual help communities to enjoy insurance protection. It focuses on underserved areas and uses blockchain technology and smart contracts to provide transparent insurance coverage to everyone at the lowest possible cost. Members pay monthly fees and only the exact amount needed for claims is collected, with unused premiums refunded at 100%.
1. What is Creative Destruction?
a. Creative Destruction and Marxism
b. Creative Destruction and Schumpeter
c. Creative Destruction and Laissez-Faire Economics
2. Cases of Creative Destruction
3. Problems of Creative Destruction
4. Creative Destruction vs Economic Destruction
1. Rewards Management
2. Types of Rewards
3. Incentives at Google, Wegmans, BCG
4. Reward System of Sanima Bank
5. Total Rewards Model
6. Organizational Justice
7. Organizational Entry, Violations of policies/Discipline, 8. Grievances and Grounds of Termination
9. Ethics Program, Organizational Entry, Ongoing Relationship, Discipline, Grievance Handling, Exit and Termination in Sanima Bank
Nepal: Company Perspectives - International Trade Centre (ITC) Series on Non-...Dipesh Pandey
Non-tariff Measures (NTMs)
About the Survey
Profiles of Interviewed Companies
Results of the Survey
Why exporters find NTMs Burdensome?
Burdensome NTMs and other Obstacles Faced by Exporters
Challenges for Nepalese Cargo and Logistic Companies
Trade Related Business Environment (TBE)
Recommendations
Study of International Business Prospects for MerorugDipesh Pandey
This document summarizes a study conducted by Kathmandu University School of Management on the prospects of expanding exports of handmade carpets produced by Mero Rug to Australia. It provides background on Nepal's carpet industry and Mero Rug. A SWOT analysis and cultural analysis of Australia identifies opportunities for growth. Export potential is analyzed using trade maps and standards. The document recommends Mero Rug utilize indirect exporting and a multi-domestic strategy to enter Australia, focusing on marketing, employee retention and training to capitalize on the opportunity.
MRP System Structure (Input and Output)
Master Production Schedule (MPS)
Bill of Material (BOM)
Inventory Records File
MRP Terminology
MRP Explosion Process
MRP Management
MRP and JIT
Introduction
Portfolio Status
Stock Investments
Arambha Micro-finance Bittiya Sanstha Ltd.
National Life Insurance Company
NMB Micro-finance Bittiya Sanstha Ltd.
Support Micro-finance Bittiya Sanstha Ltd.
Nepal Bank Limited
NIC Asia Bank Limited
Findings and Learnings
Business Environment Analysis of Saral Pvt. Ltd.Dipesh Pandey
Company Introduction, Business Environment Analysis, Technological Environment, Legal Environment, Regulatory Environment, Political Environment, Socio-Cultural Environment, Socio-Economic Environment, Globalization and International Laws, Conclusion.
Financial Factors, Qualitative Factors and Investment PracticesDipesh Pandey
Qualitative Factors, Models of Project Appraisal, Analytic Hierarchy Process, Strategic Index Method, Capital Investment Decisions, Problems of Capital Rationing, Working Capital Management, Investment Practices of Insurance Companies.
Bond Valuation, Bond Types, Bond Characteristics, Reasons for issuing Bonds, Bond Risks, Bond Measuring Yield, Bond Pricing Theorems, Factors that Influence Bond Prices, Primary Bond Market, Secondary Bond Market, Bonds in Nepal.
This document discusses different types of costing methods including job costing, batch costing, process costing, and joint and by-product costing. It explains key features of each method such as how costs are collected and allocated for individual jobs or batches in job costing. The document also covers concepts in process costing including normal and abnormal losses as well as how joint products and by-products are treated.
CVP Analysis for Multi-Product Firms and Limitations of CVP AnalysisDipesh Pandey
This document discusses using CVP (Cost-Volume-Profit) analysis for companies that produce multiple products. It provides an example of how to calculate a weighted average contribution margin per unit and break-even point for a biscuit company that produces 3 products. It also notes some limitations of CVP analysis, including that not all costs are perfectly fixed or variable, selling prices may not remain constant, and it assumes a single or constant product mix over a short time horizon.
A Comparative Financial Performance Analysis of Insurance and Hospitality Sec...Dipesh Pandey
List of Companies:
1. Crowne Plaza - Soaltee Hotel and Resorts
2. Hyatt Regency
3. MetLife Insurance Company
4. Himalayan General Insurance Co. Ltd.
In the presentation:
Objectives of the Study, Profitability Analysis, Liquidity Analysis, Solvency Analysis, Shareholder Analysis, Conclusions and Recommendations.
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
CapTechTalks Webinar Slides June 2024 Donovan Wright.pptxCapitolTechU
Slides from a Capitol Technology University webinar held June 20, 2024. The webinar featured Dr. Donovan Wright, presenting on the Department of Defense Digital Transformation.
🔥🔥🔥🔥🔥🔥🔥🔥🔥
إضغ بين إيديكم من أقوى الملازم التي صممتها
ملزمة تشريح الجهاز الهيكلي (نظري 3)
💀💀💀💀💀💀💀💀💀💀
تتميز هذهِ الملزمة بعِدة مُميزات :
1- مُترجمة ترجمة تُناسب جميع المستويات
2- تحتوي على 78 رسم توضيحي لكل كلمة موجودة بالملزمة (لكل كلمة !!!!)
#فهم_ماكو_درخ
3- دقة الكتابة والصور عالية جداً جداً جداً
4- هُنالك بعض المعلومات تم توضيحها بشكل تفصيلي جداً (تُعتبر لدى الطالب أو الطالبة بإنها معلومات مُبهمة ومع ذلك تم توضيح هذهِ المعلومات المُبهمة بشكل تفصيلي جداً
5- الملزمة تشرح نفسها ب نفسها بس تكلك تعال اقراني
6- تحتوي الملزمة في اول سلايد على خارطة تتضمن جميع تفرُعات معلومات الجهاز الهيكلي المذكورة في هذهِ الملزمة
واخيراً هذهِ الملزمة حلالٌ عليكم وإتمنى منكم إن تدعولي بالخير والصحة والعافية فقط
كل التوفيق زملائي وزميلاتي ، زميلكم محمد الذهبي 💊💊
🔥🔥🔥🔥🔥🔥🔥🔥🔥
Andreas Schleicher presents PISA 2022 Volume III - Creative Thinking - 18 Jun...EduSkills OECD
Andreas Schleicher, Director of Education and Skills at the OECD presents at the launch of PISA 2022 Volume III - Creative Minds, Creative Schools on 18 June 2024.
A Visual Guide to 1 Samuel | A Tale of Two HeartsSteve Thomason
These slides walk through the story of 1 Samuel. Samuel is the last judge of Israel. The people reject God and want a king. Saul is anointed as the first king, but he is not a good king. David, the shepherd boy is anointed and Saul is envious of him. David shows honor while Saul continues to self destruct.
How to Manage Reception Report in Odoo 17Celine George
A business may deal with both sales and purchases occasionally. They buy things from vendors and then sell them to their customers. Such dealings can be confusing at times. Because multiple clients may inquire about the same product at the same time, after purchasing those products, customers must be assigned to them. Odoo has a tool called Reception Report that can be used to complete this assignment. By enabling this, a reception report comes automatically after confirming a receipt, from which we can assign products to orders.
Philippine Edukasyong Pantahanan at Pangkabuhayan (EPP) CurriculumMJDuyan
(𝐓𝐋𝐄 𝟏𝟎𝟎) (𝐋𝐞𝐬𝐬𝐨𝐧 𝟏)-𝐏𝐫𝐞𝐥𝐢𝐦𝐬
𝐃𝐢𝐬𝐜𝐮𝐬𝐬 𝐭𝐡𝐞 𝐄𝐏𝐏 𝐂𝐮𝐫𝐫𝐢𝐜𝐮𝐥𝐮𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬:
- Understand the goals and objectives of the Edukasyong Pantahanan at Pangkabuhayan (EPP) curriculum, recognizing its importance in fostering practical life skills and values among students. Students will also be able to identify the key components and subjects covered, such as agriculture, home economics, industrial arts, and information and communication technology.
𝐄𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐡𝐞 𝐍𝐚𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐒𝐜𝐨𝐩𝐞 𝐨𝐟 𝐚𝐧 𝐄𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫:
-Define entrepreneurship, distinguishing it from general business activities by emphasizing its focus on innovation, risk-taking, and value creation. Students will describe the characteristics and traits of successful entrepreneurs, including their roles and responsibilities, and discuss the broader economic and social impacts of entrepreneurial activities on both local and global scales.
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3. E-Insurance:
• The application of internet and related
information technologies to the
production and distribution of insurance
services.
• In a narrower sense, it can be defined
as the provision of an insurance cover
whereby an insurance policy is solicited,
offered, negotiated and contracted
online.
7. METHODS OF E-INSURANCE
WEB SITES : Almost every insurance company has
homepage providing information about the company
and products. However, these homepages are little
more than passive online versions of the
company’s brochures. ·
PRODUCT PORTALS : Portals are sites that provide a
collection of links to sites of interest.
9. METHODS OF E-INSURANCE
Point-of-Sale Portals : Unlike most other
commodities, the sale of insurance products is
initiated by the sellers. Certain sites exploit this
approach by offering insurance products while selling
insurable goods such as cars or while providing
information on health or college education.
Intermediate Brokers : Brokers are intermediate sites
that do not sell insurance products directly but
assist clients in matching their requirements with
the policies offered by insurance companies.
10. METHODS OF E-INSURANCE
• Reverse Auction : In this case, the client is
usually an organization interested in group
insurance. The client announces its requirements
and selects the best offer made by an insurance
company.
• Aggregators : Aggregators are sites that compare
quotes from different insurance companies. The
service is often supplemented with general
information on products as well
11. Scope of e-Insurance in Nepal
GLOBALISATION: International companies are entering
into the market to acquire market share.
• NEW ENTRANTS: In the financial services industry the
major entry barrier is distribution, which the
Internet can overcome.
12. Scope of e-Insurance in Nepal
• CHANGING NEEDS OF CONSUMERS :
The Internet may lead to products becoming more
customer-centric.
13. Challenges faced by E-Insurance in
Nepal
• Resistance to change
• Lack of technology
• Complex Insurance cycle
• Unique requirements among states
and jurisdictions
14. What can be done?
Insurance industry is gearing up for e-insurance
To succeed as e-insurer,
it has to be cheaper and
better than the traditional offline option
Insurance is an information intensive enterprise and
is thus suitable for e-commerce
15. What can be done?
• To succeed in this market, you must become a
master of online funnel.
16. What can be done?
Insurance is an information intensive enterprise
and is thus suitable for e-commerce.
Adopting e-insurance is an incremental process,
not an event, and should stem from a fundamental
need to re-engineer and modernize business
process.
17. What can be done?
Websites functionality requires a proper definition of
Customer and product profiles.
Power of internet should be harnessed to improve
Consumer protection and education and awareness
building.
It appears that insurers are unfortunately not making
the best out of the web.