All Global used innovative online research techniques like web cam diaries and doctor blogs to understand patient needs and improve a pharmaceutical client's relationship with HCPs. This allowed for immediate, unbiased opinions from HCPs in their own convenience. The project involved 60 web cam diaries with various medical professionals across four locations, recorded over four days. Follow up interviews found the techniques delivered valuable insights that helped the client contribute more to patient health. All Global's early adoption of these techniques and strong stakeholder relationships provided differentiated data and clarity for clients.
The document provides an overview of product management for healthcare entrepreneurs. It discusses what product management entails, including conceiving innovative ideas to meet customer needs, identifying target markets through research, developing product concepts and features through agile processes, setting prices based on customer value, launching new products successfully, and supporting customers. The document also includes two case studies about healthcare product startups and questions to help analyze challenges and opportunities for improving product strategy and execution.
Applied Market Research Report - Fasta!john bourke
This document appears to be a market research report conducted by students to assess the viability of opening a take-away pasta shop called "Fasta" near Dublin City University (DCU). The students conducted secondary research, a focus group, interviews, a survey, and observation. Their secondary research found that healthy eating is increasingly popular among students, who have limited budgets and prioritize convenience. Their focus group and interviews with students and a Subway employee provided insight into factors like time, budget, preferences, convenience, price, and product regarding food choices on campus. The survey and observation helped quantify some of these attitudes and behaviors. Overall, the research aimed to determine student demand for an affordable, convenient take-away pasta option near DCU
The document discusses potential financial solutions for underserved customer segments like immigrants, international students, and the underbanked. It outlines several hypotheses for new products and services, including a prepaid loyalty card distributed at retail points of sale, alternative employment services, and payday lender ATMs. Each hypothesis is tested through customer interviews and industry research. Key lessons learned are the importance of truly understanding customer needs, being willing to pivot quickly from unviable ideas, and gaining real-world experience over theoretical models. The document advocates further developing a "Day 1" financial solution tailored for immigrants and international students lacking credit history.
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
<b>Scenery</b>
The New York City Experience (NYCE) is an annual event for the University of Oregon communication students to connect them to the biggest communication industry professionals through visits to the major agencies and media companies of the country. Wieden + Kennedy NY (W+K NY) challenged all the 120 participating students to work on a project and present it on the agency’s main shop in the Big Apple. Of the 21 teams participating, we were one of the 5 selected.
<b>Challenge</b>
To develop a solution for an aging financial services company in order to help them acquire a new generation of clients.
<b>Project</b>
Through research of the american student’s behaviour, we developed a study that contemplates the major moments on the graduation process and what it takes for someone to acquire financial assistance services. The goal was to understand the major milestones of contact between student and financial agency.
<font><b>Cenário</b>
A New York City Experience é um evento anual que ocorre para os estudantes da Universidade de Oregon e que tem o intuito de conectar estes à profissionais da indústria da comunicação através de visitas às principais agências e veículos do país. A Wieden + Kennedy desafiou os 120 alunos participantes a trabalhar em um projeto para apresentá-los na sede principal deles na Grande Maçã. Dos 21 times, nós fomos um dos 5 selecionados.
<b>Desafio</b>
Desenvolver uma solução para uma conservadora empresa de financiamento estudantil adquirir uma nova geração de clientes.
<b>Projeto</b>
Á partir da pesquisa de comportamento do estudante universitário americano, desenvolvemos um estudo que apresenta os principais momentos da trajetória de graduação do mesmo e o que o leva a requerer os serviços de financiamento. O intuito era entender os principais pontos de contato entre o estudante e a empresa. </font>
<b>Role</b>: Strategist, Researcher.
<b>Team</b>: Kasey Coffey, Sidney Madge, Jackson Landgreen, Delaney Pratt.
The document outlines the mission, vision, values and programs of Trust Lending Mortgage, which aims to be the best place for employees to work and customers to work with, while helping customers fulfill their dreams of homeownership through a variety of loan programs. It also describes Trust Lending's partnership with AllRegs to provide online training courses to employees through a Branded University program in order to stay up to date on regulations and compliance in the changing mortgage industry.
All Global used innovative online research techniques like web cam diaries and doctor blogs to understand patient needs and improve a pharmaceutical client's relationship with HCPs. This allowed for immediate, unbiased opinions from HCPs in their own convenience. The project involved 60 web cam diaries with various medical professionals across four locations, recorded over four days. Follow up interviews found the techniques delivered valuable insights that helped the client contribute more to patient health. All Global's early adoption of these techniques and strong stakeholder relationships provided differentiated data and clarity for clients.
The document provides an overview of product management for healthcare entrepreneurs. It discusses what product management entails, including conceiving innovative ideas to meet customer needs, identifying target markets through research, developing product concepts and features through agile processes, setting prices based on customer value, launching new products successfully, and supporting customers. The document also includes two case studies about healthcare product startups and questions to help analyze challenges and opportunities for improving product strategy and execution.
Applied Market Research Report - Fasta!john bourke
This document appears to be a market research report conducted by students to assess the viability of opening a take-away pasta shop called "Fasta" near Dublin City University (DCU). The students conducted secondary research, a focus group, interviews, a survey, and observation. Their secondary research found that healthy eating is increasingly popular among students, who have limited budgets and prioritize convenience. Their focus group and interviews with students and a Subway employee provided insight into factors like time, budget, preferences, convenience, price, and product regarding food choices on campus. The survey and observation helped quantify some of these attitudes and behaviors. Overall, the research aimed to determine student demand for an affordable, convenient take-away pasta option near DCU
The document discusses potential financial solutions for underserved customer segments like immigrants, international students, and the underbanked. It outlines several hypotheses for new products and services, including a prepaid loyalty card distributed at retail points of sale, alternative employment services, and payday lender ATMs. Each hypothesis is tested through customer interviews and industry research. Key lessons learned are the importance of truly understanding customer needs, being willing to pivot quickly from unviable ideas, and gaining real-world experience over theoretical models. The document advocates further developing a "Day 1" financial solution tailored for immigrants and international students lacking credit history.
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
<b>Scenery</b>
The New York City Experience (NYCE) is an annual event for the University of Oregon communication students to connect them to the biggest communication industry professionals through visits to the major agencies and media companies of the country. Wieden + Kennedy NY (W+K NY) challenged all the 120 participating students to work on a project and present it on the agency’s main shop in the Big Apple. Of the 21 teams participating, we were one of the 5 selected.
<b>Challenge</b>
To develop a solution for an aging financial services company in order to help them acquire a new generation of clients.
<b>Project</b>
Through research of the american student’s behaviour, we developed a study that contemplates the major moments on the graduation process and what it takes for someone to acquire financial assistance services. The goal was to understand the major milestones of contact between student and financial agency.
<font><b>Cenário</b>
A New York City Experience é um evento anual que ocorre para os estudantes da Universidade de Oregon e que tem o intuito de conectar estes à profissionais da indústria da comunicação através de visitas às principais agências e veículos do país. A Wieden + Kennedy desafiou os 120 alunos participantes a trabalhar em um projeto para apresentá-los na sede principal deles na Grande Maçã. Dos 21 times, nós fomos um dos 5 selecionados.
<b>Desafio</b>
Desenvolver uma solução para uma conservadora empresa de financiamento estudantil adquirir uma nova geração de clientes.
<b>Projeto</b>
Á partir da pesquisa de comportamento do estudante universitário americano, desenvolvemos um estudo que apresenta os principais momentos da trajetória de graduação do mesmo e o que o leva a requerer os serviços de financiamento. O intuito era entender os principais pontos de contato entre o estudante e a empresa. </font>
<b>Role</b>: Strategist, Researcher.
<b>Team</b>: Kasey Coffey, Sidney Madge, Jackson Landgreen, Delaney Pratt.
The document outlines the mission, vision, values and programs of Trust Lending Mortgage, which aims to be the best place for employees to work and customers to work with, while helping customers fulfill their dreams of homeownership through a variety of loan programs. It also describes Trust Lending's partnership with AllRegs to provide online training courses to employees through a Branded University program in order to stay up to date on regulations and compliance in the changing mortgage industry.
Private student loans offer benefits to both students and financial institutions. They help students finance their education and allow lenders to diversify their loan portfolios and attract younger customers. While riskier than private loans, private loans have lower default rates than federal loans and can help cover education costs that federal loans do not. Partnering with a private student loan solutions provider allows financial institutions to offer private loans without taking on infrastructure or risk costs.
This document summarizes expert advice for managing student loan debt from attorney Heather Jarvis. The summary points are:
1) Know your loan types and amounts by checking the National Student Loan Data System and credit reports.
2) Stay in contact with your loan servicer to avoid problems.
3) Carefully consider repayment options like income-driven plans to minimize interest costs over time.
4) Consolidating loans can provide benefits but loses federal protections - fully research this decision.
5) Seek help from servicers if struggling to avoid default, which has serious financial consequences.
This document outlines action items schools can take to lower their cohort default rates. It recommends filing challenges and appeals, analyzing defaulter data to find patterns, reviewing enrollment reporting processes, synchronizing retention and default prevention plans, committing to financial education, creating or revising student success plans, and considering outsourcing borrower communication to USA Funds. The document provides context on why cohort default rates matter and consequences of high rates, and gives examples from Iowa community colleges of insights gained from analyzing defaulter data.
This document outlines a proposed marketplace that connects college students seeking work experience with small businesses needing short-term help. It identifies two problems: students lack experience and businesses waste money on short hiring. The solution is an online platform where businesses post projects and students select projects to complete. The goal is to complete 2 million projects in 5 years. Students gain experience and help businesses lower costs. Businesses access creative solutions. Target users are art/design students and small businesses. The business model is a subscription marketplace with free student participation. Competitors charge students high fees or lack options. The differentiator is multiple solutions suited to business needs with free student use.
This document describes a mobile app called GoPayd that helps users pay off student loans. It works by rounding up users' transactions and applying the extra amounts to their loans each month. Users can choose automatic or manual round ups and track repayment progress. The app estimates loan payoff durations based on monthly contributions. Its business model earns $1 per user per month on average. It aims to partner with retailers, universities, and corporations to promote adoption among the 40 million Americans with over $1.2 trillion in student debt.
United Aid Group Empowering Student Loan Success.pptxUnited Aid Group
Student loan debt has become an increasingly prevalent issue in America, leaving millions of borrowers feeling trapped and overwhelmed. With the rising cost of education and limited financial resources, many students turn to federal loans to finance their studies. However, what they often fail to realize is the multitude of options available to them for managing their federally subsidized debt. At United Aid Group, we believe that knowledge is power, and we strive to educate our clients about their rights, entitlements, and solutions that can alleviate their financial burdens.
This marketing plan proposes expanding the online tutoring service Buy a Nerd, which currently connects students and tutors in several southern states. The plan outlines expanding to new states, increasing tutor numbers, and improving website features like online chat and video calling. It analyzes competitors, customers, and the tutoring industry. The marketing objectives are to expand territories and increase tutors by 5% annually. Buy a Nerd positions itself as unique through its app capabilities and wide geographic reach. It aims to grow brand recognition and membership over the long term.
This document introduces InvestInMyEducation.com, which offers a peer-to-peer lending platform called "Social Blending" to help students finance their education. It was founded based on the microcredit model to allow direct lending between individuals without banks. The platform aims to provide investors with high returns while allowing them to personally connect with students seeking loans and help make their dreams of education a reality.
This document discusses student loan financing in Indonesia. It begins with an overview of loans and their role in funding higher education goals. It then covers the basics of loans, including principal, interest rates, tenure and types of fixed and variable rates. It notes that students pose a high risk for banks. The document reviews options for financing education and finds that most Indonesian students borrow from family due to a lack of alternatives. It proposes a crowdfunding model for Indonesia that could help students access education financing. In conclusion, it states that student loans are risky but emerging markets may develop better models than developed countries, and that solutions need to be tailored to each market.
Gen Y ROI - Credit Union Strategies that WorkJoshua Jones
The document discusses strategies for credit unions to better serve and retain young adult members aged 16-35. It emphasizes the importance of understanding the needs and life stages of local young adults, bundling products and services accordingly, and having a strong online presence. Creative messaging and advocacy are key to competing against larger banks. The strategies highlighted include segmenting members, focusing on financial education and bundling products around life events like getting a first car or home.
Moneythink builds the financial health of youth and young adults by equipping them with skills for financial decision making and independence. Their blended learning model uses apps and programs to teach practical skills like setting savings goals and understanding college costs outside the classroom. A pilot program partnered with After School Matters to teach 322 Chicago teens how to manage paychecks, set savings goals, and avoid high fees by using bank accounts rather than check cashers. The results showed increased bank account openings and more students successfully cashing checks and achieving savings goals.
Retain banking, also known as relationship banking, aims to build strong relationships with customers to ensure their continued business and support. This helps banks retain existing customers and attract new, long-lasting customers. Building loyalty through good customer service is key, as it creates rapport and trust, retaining customers for life. Data analysis can identify the most profitable customers to focus retention efforts on, while also improving services based on feedback from defecting customers. Relationship banking treats banking as an ongoing process rather than a series of isolated events to develop high customer satisfaction and loyalty over the long term.
The document discusses historically problematic depictions of Black women in sequential art such as comics, including the "big Black smiling mammy", the "sexual deviant", and the "angry sapphire". It summarizes that Deborah Whaley's book "Black Women in Sequence" offers an alternative vision that refocuses on recognizing, representing, and reframing the stories of Black women. The book explores how Black women have traditionally been portrayed in comics and sequential art through a historical, racial, and sexual lens.
A complete guide of private student loan counseling for the college graduate!
Get the necessary information to pay off your student loans and move forward into the professional world.
This document summarizes key findings from a global consumer banking survey conducted by EY. Some of the main points include:
1. Customer advocacy and trust in their primary banking provider is high, driven largely by positive customer experiences. However, banks still have opportunities to improve certain aspects of the customer experience.
2. Convenience through digital banking channels is important to customers, but mobile banking features still lag online banking. Simplifying fees and communications remains a top priority.
3. Customers are generally satisfied with their primary bank but open to switching for better service or advice. Segmenting customers reveals opportunities for banks to better meet different needs.
4. Banks should focus on making banking simple and clear
This document summarizes the key findings from EY's 2014 Global Consumer Banking Survey. Some of the main points include:
1. Customer trust and advocacy are important drivers of growth for banks. Customers with complete trust in their primary bank are much more likely to recommend them.
2. Customer experience is a key factor influencing trust and advocacy. Customers cited how they are treated and quality of communications as important reasons for trust. Experience also influenced account openings and closings.
3. Banks can improve the customer experience by making banking simple and clear, providing helpful advice, and resolving problems well. Specifically, banks should improve fee transparency, mobile and online banking, and customer service.
Banks have an opportunity to improve the customer experience in 3 key areas:
1. Make banking simple and clear by increasing transparency around fees and improving communications. Fees and unclear communications were common reasons for customers switching banks.
2. Help customers make decisions in a complex environment by providing more and better advice. Customers are willing to do more business with banks that help simplify financial decisions.
3. Work with customers when problems arise by enhancing problem resolution. Solving issues in a way that leaves customers feeling advocated for can increase trust and loyalty.
Improving the customer experience across channels and addressing pain points like fees, advice and problem resolution can help banks increase advocacy, open more accounts, and defend against competitors.
The document discusses Credila's branding strategy for their education loan services in India. It notes that the education loan market is large but commoditized, with most providers focusing on price over service. Credila aims to position itself as an "Edu-loan Processing Expert" by highlighting their quick approval process (within 7-10 days) and hassle-free documentation assistance. This is meant to address consumers' major pain point of lengthy, complex loan application processes with other providers. The target audience is students aged 18-30 pursuing higher education and their parents aged 45-58.
Team Networks - 2022 Technology, Innovation & Great Power CompetitionStanford University
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Team LiOn Batteries - 2022 Technology, Innovation & Great Power CompetitionStanford University
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Private student loans offer benefits to both students and financial institutions. They help students finance their education and allow lenders to diversify their loan portfolios and attract younger customers. While riskier than private loans, private loans have lower default rates than federal loans and can help cover education costs that federal loans do not. Partnering with a private student loan solutions provider allows financial institutions to offer private loans without taking on infrastructure or risk costs.
This document summarizes expert advice for managing student loan debt from attorney Heather Jarvis. The summary points are:
1) Know your loan types and amounts by checking the National Student Loan Data System and credit reports.
2) Stay in contact with your loan servicer to avoid problems.
3) Carefully consider repayment options like income-driven plans to minimize interest costs over time.
4) Consolidating loans can provide benefits but loses federal protections - fully research this decision.
5) Seek help from servicers if struggling to avoid default, which has serious financial consequences.
This document outlines action items schools can take to lower their cohort default rates. It recommends filing challenges and appeals, analyzing defaulter data to find patterns, reviewing enrollment reporting processes, synchronizing retention and default prevention plans, committing to financial education, creating or revising student success plans, and considering outsourcing borrower communication to USA Funds. The document provides context on why cohort default rates matter and consequences of high rates, and gives examples from Iowa community colleges of insights gained from analyzing defaulter data.
This document outlines a proposed marketplace that connects college students seeking work experience with small businesses needing short-term help. It identifies two problems: students lack experience and businesses waste money on short hiring. The solution is an online platform where businesses post projects and students select projects to complete. The goal is to complete 2 million projects in 5 years. Students gain experience and help businesses lower costs. Businesses access creative solutions. Target users are art/design students and small businesses. The business model is a subscription marketplace with free student participation. Competitors charge students high fees or lack options. The differentiator is multiple solutions suited to business needs with free student use.
This document describes a mobile app called GoPayd that helps users pay off student loans. It works by rounding up users' transactions and applying the extra amounts to their loans each month. Users can choose automatic or manual round ups and track repayment progress. The app estimates loan payoff durations based on monthly contributions. Its business model earns $1 per user per month on average. It aims to partner with retailers, universities, and corporations to promote adoption among the 40 million Americans with over $1.2 trillion in student debt.
United Aid Group Empowering Student Loan Success.pptxUnited Aid Group
Student loan debt has become an increasingly prevalent issue in America, leaving millions of borrowers feeling trapped and overwhelmed. With the rising cost of education and limited financial resources, many students turn to federal loans to finance their studies. However, what they often fail to realize is the multitude of options available to them for managing their federally subsidized debt. At United Aid Group, we believe that knowledge is power, and we strive to educate our clients about their rights, entitlements, and solutions that can alleviate their financial burdens.
This marketing plan proposes expanding the online tutoring service Buy a Nerd, which currently connects students and tutors in several southern states. The plan outlines expanding to new states, increasing tutor numbers, and improving website features like online chat and video calling. It analyzes competitors, customers, and the tutoring industry. The marketing objectives are to expand territories and increase tutors by 5% annually. Buy a Nerd positions itself as unique through its app capabilities and wide geographic reach. It aims to grow brand recognition and membership over the long term.
This document introduces InvestInMyEducation.com, which offers a peer-to-peer lending platform called "Social Blending" to help students finance their education. It was founded based on the microcredit model to allow direct lending between individuals without banks. The platform aims to provide investors with high returns while allowing them to personally connect with students seeking loans and help make their dreams of education a reality.
This document discusses student loan financing in Indonesia. It begins with an overview of loans and their role in funding higher education goals. It then covers the basics of loans, including principal, interest rates, tenure and types of fixed and variable rates. It notes that students pose a high risk for banks. The document reviews options for financing education and finds that most Indonesian students borrow from family due to a lack of alternatives. It proposes a crowdfunding model for Indonesia that could help students access education financing. In conclusion, it states that student loans are risky but emerging markets may develop better models than developed countries, and that solutions need to be tailored to each market.
Gen Y ROI - Credit Union Strategies that WorkJoshua Jones
The document discusses strategies for credit unions to better serve and retain young adult members aged 16-35. It emphasizes the importance of understanding the needs and life stages of local young adults, bundling products and services accordingly, and having a strong online presence. Creative messaging and advocacy are key to competing against larger banks. The strategies highlighted include segmenting members, focusing on financial education and bundling products around life events like getting a first car or home.
Moneythink builds the financial health of youth and young adults by equipping them with skills for financial decision making and independence. Their blended learning model uses apps and programs to teach practical skills like setting savings goals and understanding college costs outside the classroom. A pilot program partnered with After School Matters to teach 322 Chicago teens how to manage paychecks, set savings goals, and avoid high fees by using bank accounts rather than check cashers. The results showed increased bank account openings and more students successfully cashing checks and achieving savings goals.
Retain banking, also known as relationship banking, aims to build strong relationships with customers to ensure their continued business and support. This helps banks retain existing customers and attract new, long-lasting customers. Building loyalty through good customer service is key, as it creates rapport and trust, retaining customers for life. Data analysis can identify the most profitable customers to focus retention efforts on, while also improving services based on feedback from defecting customers. Relationship banking treats banking as an ongoing process rather than a series of isolated events to develop high customer satisfaction and loyalty over the long term.
The document discusses historically problematic depictions of Black women in sequential art such as comics, including the "big Black smiling mammy", the "sexual deviant", and the "angry sapphire". It summarizes that Deborah Whaley's book "Black Women in Sequence" offers an alternative vision that refocuses on recognizing, representing, and reframing the stories of Black women. The book explores how Black women have traditionally been portrayed in comics and sequential art through a historical, racial, and sexual lens.
A complete guide of private student loan counseling for the college graduate!
Get the necessary information to pay off your student loans and move forward into the professional world.
This document summarizes key findings from a global consumer banking survey conducted by EY. Some of the main points include:
1. Customer advocacy and trust in their primary banking provider is high, driven largely by positive customer experiences. However, banks still have opportunities to improve certain aspects of the customer experience.
2. Convenience through digital banking channels is important to customers, but mobile banking features still lag online banking. Simplifying fees and communications remains a top priority.
3. Customers are generally satisfied with their primary bank but open to switching for better service or advice. Segmenting customers reveals opportunities for banks to better meet different needs.
4. Banks should focus on making banking simple and clear
This document summarizes the key findings from EY's 2014 Global Consumer Banking Survey. Some of the main points include:
1. Customer trust and advocacy are important drivers of growth for banks. Customers with complete trust in their primary bank are much more likely to recommend them.
2. Customer experience is a key factor influencing trust and advocacy. Customers cited how they are treated and quality of communications as important reasons for trust. Experience also influenced account openings and closings.
3. Banks can improve the customer experience by making banking simple and clear, providing helpful advice, and resolving problems well. Specifically, banks should improve fee transparency, mobile and online banking, and customer service.
Banks have an opportunity to improve the customer experience in 3 key areas:
1. Make banking simple and clear by increasing transparency around fees and improving communications. Fees and unclear communications were common reasons for customers switching banks.
2. Help customers make decisions in a complex environment by providing more and better advice. Customers are willing to do more business with banks that help simplify financial decisions.
3. Work with customers when problems arise by enhancing problem resolution. Solving issues in a way that leaves customers feeling advocated for can increase trust and loyalty.
Improving the customer experience across channels and addressing pain points like fees, advice and problem resolution can help banks increase advocacy, open more accounts, and defend against competitors.
The document discusses Credila's branding strategy for their education loan services in India. It notes that the education loan market is large but commoditized, with most providers focusing on price over service. Credila aims to position itself as an "Edu-loan Processing Expert" by highlighting their quick approval process (within 7-10 days) and hassle-free documentation assistance. This is meant to address consumers' major pain point of lengthy, complex loan application processes with other providers. The target audience is students aged 18-30 pursuing higher education and their parents aged 45-58.
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(1) The document describes the journey of a team developing a saffron supplement product to address mental health issues like anxiety and depression.
(2) It started with the goal of targeting adults aged 18-40, but through customer interviews and testing, they learned that teenagers were more interested in an anti-anxiety gummy product.
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Technology, Innovation and Great Power Competition,TIGPC, Gordian knot Center, DIME-FIL, department of defense, dod, intlpol 340, joe felter, ms&e296, raj shah, stanford, Steve blank, AI, ML, AI/ML, china, unmanned, autonomy, semiconductors
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Team Conflicted Capital Team - 2021 Technology, Innovation & Great Power Comp...Stanford University
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Lecture 8 - Technology, Innovation and Great Power Competition - CyberStanford University
Technology, Innovation and Great Power Competition,TIGPC, Gordian knot Center, DIME-FIL, department of defense, dod, hacking for defense, intlpol 340, joe felter, ms&e296, raj shah, stanford, Steve blank, AI, ML, AI/ML, china, unmanned, autonomy, Michael Sulmeyer, cybercom,USCYBERCOM
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
How to Manage Your Lost Opportunities in Odoo 17 CRMCeline George
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
3. Our Mission: Reduce the burden of student debt
to unlock the full potential of U.S. grads
Equify
Student financing via flexible
and customizable loans
Pinecone ISA
Student financing via income share
agreements
3
Mike Saltzman Amir Damerdji Sam Abernethy Iryna Kryvda Leeor Mushin
Picker
MBA & BS Engineering
Hustler
MSx & MS Engineering
Hacker
PhD Applied Physics &
MS Mathematical Modelling
Hacker
MS Management Science and
Engineering
Designer
MBA & BBA/BA
100+ Interviews
7. 7
Test 001:
Which Customer and What Value Prop?
CUSTOMER
SEGMENTS
VALUE
PROPS
PROCEDURE
Undergraduate
s
Law Students
Med Students
Career Insurance
Payment Flexibility
Freedom of Career
Choice
1. Create different ad language for each target
group and value prop, target small batch of
FB ads to each group
X
3 3
Week 2
1. Undergrads & Career Insurance
2. Med Students & Payment Flexibility
HIGHEST
INTEREST
8. Jane
- Med School Grad
- Her debt = $250k
- Wants to pursue career as
family medicine Doc
- Pain point: cannot afford
debt payments early in her
career, so pushed into high
interest income-based loans
John
- Undergrad
- His debt = $35k
- Wants to pursue career in
entrepreneurship
- Pain point: a feast-or-
famine career makes
paying for debt uncertain
After 30+ Student Interviews
We Found 2 Representative Customers
8
Main Want: Career Insurance Main Want: Payment Flexibility
*Names changed / identities masked due to privacy concerns
9. Investors balked at the Income
Share Agreement
What happens when insurance pools
attract lopsided participants??
9
3-5%Earnings %
Students
Interest
Investor Interest
7-10% 15-20%
10. “You guys are selling two products as
one. Which do people really want? Can
you get investors onboard with that
one? Is my pocket square peeking out
the right amount?”
10
According to the CFOracle,
sometimes 1+1 = 0
Week 3
11. We had to face the music: a
financial product without investor
support would go nowhere
11
How can we ditch
the method but
stick to the
mission?
What if we were a
non-profit? Do we
want to be a non-
profit?
What is our real
mission,
anyway?
12. We pivoted our product while
keeping our core value props
A Loan with
Flexible
Payments
True to our mission
AND
investors should be able to
get behind it
12
Week 4
14. Business Model Canvas
Medical Students
(test market) - Often
have huge debt loads
and want flexibility
with repayment and
help optimizing their
finances
Educate students and
universities on impacts of
fixed vs. variable payments
Secure long-term capital
partners
Fund diversified group of
medical students
Institutional
Investors
Marketplace loan
purchasers to fund our
book of loans
Medical Schools /
thought leaders to serve
as a potential evangelists
Fees: Take an up front % of all funding issued to
students + Loan Servicing Fee
Capital: A capital base
with long time horizons
Cooperation: we’ll align our
incentives with theirs
Simplicity: we’ll demystify
tricky topics
Transparency: we’ll be up
front about how and when we
make money
Capital Cost: What will investors demand?
Customer Acquisition Cost: How much to attract and sign
up a student?
Servicing Cost: How much to service the agreements over
time?
Trusted Intermediaries:
Partner with financial aid
offices to reach students
Targeted Online Funnels:
Media spend combined with
fast online intake process
Subject Matter Experts:
Associate with online student
financial planning sources,
earn trust through expertise
Delay Payments until you
are more able to handle
them
Smart Repayment that
optimizes across your
circumstances and goals
Transparency and
convenience in monitoring
and controlling payments
Accountability for
individuals who know what
is best for them logically
but who don’t always
execute
15. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
15
Week 6
16. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
16
Week 6
17. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
17
Week 6
18. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
18
Week 6
19. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
19
Week 6
20. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
20
Week 6
21. Our product: student loans with flexible payments,
tailored to borrowers’ income and needs
21
Week 6
22. Not that simple: Borrowers like Jane value
transparency and accountability
22
Week 6
Over 30 Med
Students /
Residents /
Doctors
interviewed
23. How can we help? Think of Betterment, but for loans
23
Jane the Doctor
25. Business Model Canvas
Medical Students
(test market) - Often
have huge debt loads
and want flexibility
with repayment and
help optimizing their
finances
Educate students and
universities on impacts of
fixed vs. variable payments
Secure long-term capital
partners
Fund diversified group of
medical students
Institutional
Investors
Marketplace loan
purchasers to fund our
book of loans
Medical Schools /
thought leaders to serve
as a potential evangelists
Fees: Take an up front % of all funding issued to
students + Loan Servicing Fee
Capital: A capital base
with long time horizons
Cooperation: we’ll align our
incentives with theirs
Simplicity: we’ll demystify
tricky topics
Transparency: we’ll be up
front about how and when we
make money
Capital Cost: What will investors demand?
Customer Acquisition Cost: How much to attract and sign
up a student?
Servicing Cost: How much to service the agreements over
time?
Trusted Intermediaries:
Partner with financial aid
offices to reach students
Targeted Online Funnels:
Media spend combined with
fast online intake process
Subject Matter Experts:
Associate with online student
financial planning sources,
earn trust through expertise
Delay Payments until you
are more able to handle
them
Smart Repayment that
optimizes across your
circumstances and goals
Transparency and
convenience in monitoring
and controlling payments
Accountability for
individuals who know what
is best for them logically
but who don’t always
execute
26. 26
Borrower Feedback
“If I could get private
bank rates WITH
income-based
repayment, I would
sign up in a heartbeat”
Irina (MD)
“I love that the loan is
personalized for me.
That’s huge”
Thomas (Undergrad)
“Terrific. I love the
simple online portal-
currently I need 4
logins to download all
my loan data.”
Chris (MBA)
Potential Product-
Market Fit with
Borrowers Conditional
on Similar Rates to
Existing Players
27. 27
Loan Investor Feedback
“Variable liquidity is a
tradeoff between
borrower and lender.
They won’t like it.”
Matt Reeder, Theorem
“You need to figure out
exactly what 1000 loans
like this look like. When do
people delay? When do
they prepay? What asset is
this?”
Derek Weiss, FFL
Partners
“Once you prove out the
first 100 loans, buyers
will take you seriously.
But until then you’ll be
funding loans out of
equity.”
Jeremy Solomon,
Affirm
Product Market Meh,
but promising..
28. We Reduced the Balance Sheet by Making Bridge
Loans
28
Week 8
Reduction of Balance
Sheet Exposure by
83%!
29. We’re moving ahead, with challenges in sight
1. Demand from
potential borrowers
1. Understanding what
investors need
1. Big institutional buy in
1. Working with a smaller
balance sheet
1. Vulnerability to copy-
cating by the big guys
1. Competing with
aritificially cheap loans
1. Efficient, succinct
product messaging
29
Our Strengths Our Remaining Challenges
30. Next Steps:
✗ Majority of team continuing
✗ Secure funding for first round
of loans
✗ Full analysis of “Bridge Loan”
✗ Continue to optimize
customer acquisition model
✗ Build an online personal
finance portal
✗ Find and build partnership with
loan servicer
30
33. Freedom: Make the best
career choices for your
future, not for next month’s
debt payment.
Cost Reduction: The price
of education should be
relative to the financial
rewards it provides
Risk Reduction: Never get
squeezed by your fixed
student debt payment, no
matter what happens
Delay Payments until you
are more able to handle
them
Original Business Model Canvas
Mid-tier college
students Typically
have the highest
unsubsidized debt
loads upon graduation
Grad Students (Law,
Med) Often have
highest absolute debt
loads and may want
flexibility with
repayment
Educate students and
universities on impacts of
fixed vs. variable payments
Secure long-term capital
partners
Fund diversified group of
students
Institutional
Investors willing to be
among the first
holders of this (for
now) illiquid asset
Universities willing to
include our ISAs when
they present financing
options to students
Collection Agencies
to outsource the
ongoing servicing
work
Fees: Take an up front % of all funding issued to
students
Performance: Receive an ongoing share of the
repayments from students
Capital: A capital base
with long time horizons
and comfort with
illiquidity
Data: Need the
information to build
advanced prediction
models
Cooperation: we’ll align our
incentives with theirs
Simplicity: we’ll demystify
tricky topics
Transparency: we’ll be up
front about how and when we
make money
Capital Cost: What will investors demand?
Customer Acquisition Cost: How much to attract and sign
up a student?
Servicing Cost: How much to service the agreements over
time?
Infrastructure: how much to develop the prediction model?
Trusted Intermediaries:
Partner with financial aid
offices to reach students
Targeted Online Funnels:
Media spend combined with
fast online intake process
Subject Matter Experts:
Associate with online student
financial planning sources,
earn trust through expertise
Highlight VP and customers
Editor's Notes
Our mission has always been to reduce the burden of student debt and allow graduates to flourish. That said, we’ve evolved our approach to that mission significantly over the course of this class.
To show you how we got there, let’s take a step back.
For about 12 months before GSB, I was a macro credit investor at Bridgewater and was studying consumer debt. I had the idea of solving student debt with new-fangled Income Share Agreements, and selling those to investors hungry for that type of return profile. Income share agreements would allow students to finance their tuition in exchange for a small percentage of their income for a set number of years after graduation. After pitching the concept at some of the LLP pitch nights, I connected with Amir, who was extremely financially savvy and passionate about the problem. The two of us recruiting great data scientists, Sam and Iryna, and a consumer guru, Leeor.
To drive learnings, we did a facebook test, isolating different value propositions of our income share agreements
These learnings solidified as we interviewed more than 30 students. 2 archetypes emerged: the undergrad entrepreneur and the medical doctor.
The problem with the income shares were that we couldn’t find a sweetspot of pricing that would appeal to investors and borrowers alike. The lower the income share, the less investors liked it. The higher the share, the fewer top tier students wanted to participate, leaving lower earning students, and furthering they cycle.
We continued to speak to individuals like Jane, and by Week 6, we had spoken to over 30 students. They all voiced 2 pain points: 1. They’re not financially savvy (they just don’t have a clue how much they owe and they’re just concerned about how much they have to pay) and 2. They don’t have time to manage their loans → Value transparency and accountability
⇒ How can we help them?!
We looked at robo optimizers that exist, a model like the one of Betterment stuck out → Loan payment optimizer that proactively manages loan payments based on income earned, expenses and goals. And provides complete information live
Sam - This bold font will be tough to read I think
Sam - This bold font will be tough to read I think
The majority of our team is continuing with the Lean method of hypothesis testing. We’re now focused on delivering innovation via term flexibility and are continuing to work on building our initial product that combines a flexible loan, a low rate, and an online personal finance optimization portal
Our first MVP was a pricing tool to give ball-park quotes to our interviewees to gauge their reaction.
We developed two main realizations, centering on the pains and gains of our potential solution. Doctors had more predictable careers, so they didn’t need the ‘career insurance’ concept, but they wanted to delay their payments until their income rose. Undergrads were different- high potential earners didn’t want to give away upside, whereas low earners wanted to game the system.