Strategic review of emerging on-line personal finance offerings, based on changing consumer perceptions of the value and credibility of traditional finance service providers.
Considers social lending, micro-credit, and peer-to-peer lending, in combination with prediction markets, as a new personal finance ecosystem.
Explores service concepts and describes experience scenarios with the goal of finding opportunities for existing finance providers to engage with new models.
Debriefing of the Initio's Breakfast club session of June 2019 dedicated to open banking.
3 topics addressed:
Disintermediation: Should Banks Still Be Afraid?
How Customer Centricity Killed your Innovation
The Marketplace: An Unexpected Journe
Debriefing of the Initio's Breakfast club session of June 2019 dedicated to open banking.
3 topics addressed:
Disintermediation: Should Banks Still Be Afraid?
How Customer Centricity Killed your Innovation
The Marketplace: An Unexpected Journe
Rebuilding Customer Trust in Retail BankingNoreen Buckley
An IBM White Paper by Mike Hobday Banking Practice Leader
Global Business Services UK
and Ireland
IBM & Charles Spinosa
Group Director & Leader Marketing Practices VISION Consulting
Differentiation Strategies through Self-service Retail Delivery Options (Cred...NAFCU Services Corporation
Tomorrow is a consumer-to-business world, where we put the consumer in the center and respond to their preferences and presence. Credit unions that are proactive in defining how their members receive superior service through a converged channel experience will generate greater loyalty. In this 2011 NAFCU Annual Conference session you find out how tomorrow’s member will expect to communicate with your credit union and what the future of the retail delivery industry holds.
Presented by Timothy Fikse, Marketing & Deployment Manager, NCR Corporation
More info at http://www.nafcu.org/ncr
G2P Payments are now assuming an important delivery model in building the framework for including excluded category.It discusses how it saves government's delivery channel while opening up other vistas
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
CGAP conducted an Applied Product Innovation project with insurance intermediary MicroEnsure and design firm Continuum. MicroEnsure, a leader in the provision of insurance for the mass market in Africa and Asia and Airtel, a leading global telecom, have a partnership to deliver insurance to 17 countries in Africa over the next three years. Our challenge: using human centered design techniques to figure out how to deliver relevant insurance products to the mass market, leveraging mobile phones.
DMB Financial is the nation\'s largest performance-based debt settlement company and 2-time winner of "Leading Debt Provider" in Forbes Magazine. In November 2009, DMB Financial participated in an FTC Public Forum in response to proposed rulemaking changes by the FTC that would affect how they regulate the industry. In this document, we provide performance and pricing data, as well as success rates and comparisons among the different consumer alternatives to debt settlement.
At this point, you may realize how
burdensome credit card debt can affect
your finances. According to a 2007 survey conducted by Cardweb.com, the average
credit card debt load is nearly $9,900. Based
on an online poll of slightly more than 55,000
consumers, 61% said they carry over debt each month on their credit cards and an astonishing 13% of the same group said they carry total credit card balances in excess of $25,000.
CGAP has conducted quantitative research on the challenge of inactive customers in branchless banking. In culmination of this research, we have released this report that helps providers understand and develop strategies to address low customer activity in their services.
Best Practices in Improving Customer Experience by Focusing on Overlooked Tou...Siegel+Gale
Siegel+Gale's Executive Director of Simplification Irene Etzkorn presented "Best Practices in Improving Customer Experience by Focusing on Overlooked Touchpoints." In this session, attendees learned how simplifying the interaction between customer and company can improve the customer experience.
Rebuilding Customer Trust in Retail BankingNoreen Buckley
An IBM White Paper by Mike Hobday Banking Practice Leader
Global Business Services UK
and Ireland
IBM & Charles Spinosa
Group Director & Leader Marketing Practices VISION Consulting
Differentiation Strategies through Self-service Retail Delivery Options (Cred...NAFCU Services Corporation
Tomorrow is a consumer-to-business world, where we put the consumer in the center and respond to their preferences and presence. Credit unions that are proactive in defining how their members receive superior service through a converged channel experience will generate greater loyalty. In this 2011 NAFCU Annual Conference session you find out how tomorrow’s member will expect to communicate with your credit union and what the future of the retail delivery industry holds.
Presented by Timothy Fikse, Marketing & Deployment Manager, NCR Corporation
More info at http://www.nafcu.org/ncr
G2P Payments are now assuming an important delivery model in building the framework for including excluded category.It discusses how it saves government's delivery channel while opening up other vistas
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
CGAP conducted an Applied Product Innovation project with insurance intermediary MicroEnsure and design firm Continuum. MicroEnsure, a leader in the provision of insurance for the mass market in Africa and Asia and Airtel, a leading global telecom, have a partnership to deliver insurance to 17 countries in Africa over the next three years. Our challenge: using human centered design techniques to figure out how to deliver relevant insurance products to the mass market, leveraging mobile phones.
DMB Financial is the nation\'s largest performance-based debt settlement company and 2-time winner of "Leading Debt Provider" in Forbes Magazine. In November 2009, DMB Financial participated in an FTC Public Forum in response to proposed rulemaking changes by the FTC that would affect how they regulate the industry. In this document, we provide performance and pricing data, as well as success rates and comparisons among the different consumer alternatives to debt settlement.
At this point, you may realize how
burdensome credit card debt can affect
your finances. According to a 2007 survey conducted by Cardweb.com, the average
credit card debt load is nearly $9,900. Based
on an online poll of slightly more than 55,000
consumers, 61% said they carry over debt each month on their credit cards and an astonishing 13% of the same group said they carry total credit card balances in excess of $25,000.
CGAP has conducted quantitative research on the challenge of inactive customers in branchless banking. In culmination of this research, we have released this report that helps providers understand and develop strategies to address low customer activity in their services.
Best Practices in Improving Customer Experience by Focusing on Overlooked Tou...Siegel+Gale
Siegel+Gale's Executive Director of Simplification Irene Etzkorn presented "Best Practices in Improving Customer Experience by Focusing on Overlooked Touchpoints." In this session, attendees learned how simplifying the interaction between customer and company can improve the customer experience.
Zuora's CEO's Keynote for Subscribed in London. Subscribed is Zuora's first annual global conference series for the Subscription Economy, landing down in San Francisco, London and Sydney in the Fall of 2012. Learn more about future dates and keynote replays at Subscribed.com.
In this issue of Horizon, we have included insightful articles that address several topics of interest to our issuers. George Fiegle, chief operating office of ICUL Service Corporation, does an in-depth interview with us concerning the challenges of card growth in the credit union marketplace. Mark Arnold, CCUE and president of On the Mark Strategies, shares his thoughts on generational marketing and how credit unions can use generational characteristics to improve results. For more info: www.nafcu.org/discover
UX STRAT 2018 | Flying Blind On a Rocket Cycle: Pioneering Experience Centere...Joe Lamantia
After Oracle acquired Endeca, we all had to figure out what to do next. This case study describes building a learning-driven strategy capability to guide an adventurous product development group focused on the new domains of big data analytics and machine intelligence. I’ll share the outcomes of our efforts to launch new products chartered directly around customer experience value; outline the methods, tools, and perspectives that powered product discovery and strategic planning; share a framework and patterns for identifying and understanding emerging domains; and review the application of this toolkit to new situations.
Iterative Discovery and Analysis: Workflow / Activity and Capability ModelJoe Lamantia
Models of the workflow and capabilities necessary for iterative discovery and analysis. Identifies the two primary cycles - Insight / Discovery, and Modeling - making up analysis workflow. Maps the deep structure of discovery and analysis activity using the Language of Discovery. Identifies core and enhancing capabilities necessary for analysis.
Highlights and summary of long-running programmatic research on data science; practices, roles, tools, skills, organization models, workflow, outlook, etc. Profiles and persona definition for data scientist model. Landscape of org models for data science and drivers for capability planning. Secondary research materials.
Discovery and the Age of Insight: Walmart EIM Open House 2013Joe Lamantia
Discovery is the most important business capability in the emerging Age of Insight - it's the missing ingredient that makes Big Data a source of value for businesses and people.
The Language of Discovery is an essential tool for providing discovery capability, whether at the scale of designing a single discovery application, determining the value proposition of a new product or service, or managing a strategic portfolio of technology and business initiatives.
This presentation outlines the Age of Insight, and suggests deep structural and historic precedents visible in the Age of Reason, especially in the central parallels between Natural Philosophy and the emerging discipline of Data Science. We then review the language of discovery, and consider widely visible examples of products and services that demonstrate the language.
We review our own usage of the framework as an analytical and generative toolkit for providing discovery capability, and share best practices for employing this perspective across a variety of levels of need.
Big Data Is Not the Insight: The Language Of Discovery: Joe Lamantia
Designing Effective Search and Discovery Experiences for the Enterprise, Using the Language of Discovery
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences that UX practitioners are just beginning to engage with in a meaningful fashion. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments. Search is the gateway to discovery, and thus is indispensable as a capability.
To provide architects and designers with an effective starting point for creating satisfying search and discovery experiences this session presents a simple analytical and generative vocabulary for understanding how people conduct the broad range of discovery activities necessary in the information-permeated enterprise, and defining the search experiences they need.
Specifically, this session will present:
A simple, research-derived language for describing search and discovery needs and activities that spans domains, environments, media, and user types
Observed and reusable patterns of discovery activities in individual and collaborative settings
A practical model that defines actionable patterns of information engagement throughout the enterprise
Examples of the architecture of successful discovery experiences at small and large scales
A vocabulary and perspective for discovery as a critical individual and organizational capability
Guidance on using this vocabulary to drive large scale IT portfolio management as well as the design of individual search solutions
Designing Big Data Interactions Using the Language of DiscoveryJoe Lamantia
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, ‘discovery’ is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present: • A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas • Observed and reusable patterns of discovery activities in individual and collaborative settings • Examples of the architecture of successful discovery experiences at small and large scales • A vocabulary and perspective for discovery as a critical individual and organizational capability • Leading edge examples from the rapidly emerging space of applied discovery • Design futures and concepts exploring the possible evolution paths of discovery interactions
Designing Big Data Interactions Using the Language of DiscoveryJoe Lamantia
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences that UX practitioners are just beginning to engage with in a meaningful fashion.
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present:
• A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas
• Observed and reusable patterns of discovery activities in individual and collaborative settings
• Examples of the architecture of successful discovery experiences at small and large scales
• A vocabulary and perspective for discovery as a critical individual and organizational capability
• Leading edge examples from the rapidly emerging space of applied discovery
• Design futures and concepts exploring the possible evolution paths of discovery interactions
The Language of Discovery: Designing Big Data InteractionsJoe Lamantia
The Language of Discovery: A Grammar for Designing Big Data Interactions
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences.
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present:
• A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas
• Observed and reusable patterns of discovery activities in individual and collaborative settings
• Examples of the architecture of successful discovery experiences at small and large scales
• A vocabulary and perspective for discovery as a critical individual and organizational capability
• Leading edge examples from the rapidly emerging space of applied discovery
• Design futures and concepts exploring the possible evolution paths of discovery interactions
User Experience Architecture For Discovery ApplicationsJoe Lamantia
"How can you harness the power and flexibility of Latitude to create useful, usable, and compelling discovery applications for enterprise discovery workers? This session goes beyond the technology to explore how you can apply fundamental principles of information design and visualization, analytics best practices and user interface design patterns to compose effective and compelling discovery applications that optimize user discovery, success, engagement, & adoption."
Social Interaction Design For Augmented Reality: Patterns and Principles for ...Joe Lamantia
Augmented reality blends the real world and the Internet in real time, making many new kinds of proximity, context, and location based experiences possible for individuals and groups. Despite these many possibilities, we know from history that the long term value and impact of augmented reality for most people will depend on how well these experiences integrate with ordinary social settings, and support everyday interactions. Yet the interaction patterns and behavior we see in current AR experiences seem almost ‘anti-social’ by design. This is an important gap that design must close in order to create successful AR offerings. In other words, much like children going to school for the first time, AR must to learn to ‘play well with others’ to be valuable and successful. This presentation reviews the interaction design patterns common to augmented reality, suggests tools to help understand and improve the ’social maturity’ of AR products and applications, and shares design principles for creating genuinely social augmented experiences that integrate well with human social settings and interactions.
Understanding Frameworks: Beyond Findability IA Summit 2010Joe Lamantia
Design frameworks offer substantial benefits to all parties involved in creating high quality user experiences for products, services, digital media, and the emerging interaction spaces of augmented reality, ubiquitous computing, and cross-media. Frameworks allow designers to better adapt to the rapid shifts in the digital environment by leveraging increasing modularity, granularity, and structure, and accommodating the far-reaching changes inherent in the rise of co-creative dynamics. This presentation - part of a full-day workshop delivered at the 2009 & 2010 Information Architecture Summit - identifies the elements common to all design frameworks, and offers best practices on effectively putting frameworks into practice. Altogether, it is a short course in the creation and use of customized design frameworks.
Design Principles for Social Augmented Experiences: Next Wave of AR Panel | W...Joe Lamantia
Augmented reality is moving from the stage of technical experiment to social experiment as we augment social settings and interactions in the real world. Unfortunately, as it stands now, AR creates 'anti-social' interactions and experiences. This presentation shares 9 design principles for social augmented experiences that people will value.
When designing for information retrieval experiences, the customer must always be right. This tutorial will give you the tools to uncover user needs and design the context for delivering information, whether that be through search, taxonomies or something entirely different.
What you will learn:
* A broadly applicable method for understanding user needs in diverse information access contexts
* A collection of information retrieval patterns relevant to multiple settings such as enterprise search and information access, service design, and product and platform management
We will also discuss the impact of organizational and cultural factors on design decisions and why it is essential, that you frame business and technology challenges in the right way.
The tutorial builds on lessons learned from a large customer project focusing on transforming user experience. The scope of this program included ~25 separate web-delivered products, a large document repository, integrated customer service and support processes, content management, taxonomy and ontology creation, and search and information retrieval solutions.
Joe will share the innovate methods and surprising insight that emerged in the process.
Social Media: Strategic Overview & Business ImplicationsJoe Lamantia
Agency POV and strategic overview of the business impact of new digital social channels on engaging with customers, branding, participation in the reputation economy. Considers commercial and enterprise domains, as well as the evolution of social media toward social busienss and models such as co-creation.
Sections:
Overview of Social Engagement and Business Implications
Examples of
Measuring the Social Landscape
Getting Started In the Conversation
Best Practices for Social Interactions
Digital Music Services (Strategic Review & Options)Joe Lamantia
Strategic review of digital music services market (with a focus on the mobile user). Competitor assessment, customer insights, mapping of product and experience ecosystems. Identifies opportunities for offering new services based on customer experiences. Reviews abbreviated portfolio of strategic options, and experience concepts.
Search Me: Designing Information Retrieval ExperiencesJoe Lamantia
This case study reviews the methods and insights that emerged from an 18-month effort to coordinate and enhance the scattered user experiences of a suite of information retrieval tools sold as services by an investment ratings agency. The session will share a method for understanding user needs in diverse information access contexts; review a collection of information retrieval patterns such as enterprise search and information access, service design, and product and platform management; and consider the impact of organizational and cultural factors on design decisions.
Designing Frameworks For Interaction and User Experience Joe Lamantia
Design frameworks offer substantial benefits to all parties involved in creating high quality user experiences. Frameworks allow designers to better adapt to the rapid shifts in the digital environment by leveraging modularity and structure, and accommodating the far-reaching changes inherent in the rise of co-creative dynamics. This presentation - part of a full-day workshop delivered at the 2009 Information Architecture Summit - identifies the elements common to all design frameworks, and offers best practices on effectively putting frameworks into practice. Altogether, it is a short course in the creation and use of customized design frameworks.
Massively Social Games: Next Generation ExperiencesJoe Lamantia
What form will the next generation of interactive experiences take? The exact nature of the future is always unknown. But now that everything is 'social', and games are a fully legitimate cultural phenomenon more profitable and more popular than Hollywood films, we can expect to see the emergence of experiences that combine aspects of games and social media in new ways.
One example of a hybrid experience that combines game elements and complex social interactions is the cross-media environment formed by the popular Killzone games and their companion site Killzone.com.
By design, the Killzone games and the Killzone.com site have co-evolved over time to interconnect on many levels. In the most recent version (planned for public release in early 2009), the game console and web site experiences work in concert to enhance gameplay with sophisticated social dynamics, and provide an active community destination that is 'synchronized' with events in the game in real time. The hybrid Killzone environment allows active game players and community members to move back and forth between game and web experiences, with simultaneous awareness of and connection to people and events in both settings.
Leading games researcher and designer Nicole Lazzaro calls these hybrid experiences 'Massively Social On-line Games'. In these types of interactive experiences, players build meaningful histories for individual characters and groups of all sizes through competitive and cooperative interactions that take place in the linked game and community contexts. Game mechanisms and social architecture elements are designed to encourage the accumulation of shared experiences, group identities, and collective histories. Over time, designers hope shared experiences will serve as the basis for a body of social memory.
Waves of Change Shaping Digital ExperiencesJoe Lamantia
The digital landscape is changing, shaped by waves of change in media, technology, identity, and the basic ways we evaluate our experiences. These are some of the major waves of change in digital experiences that may be leading us to a world of co-creation and exchange through interaction.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
As a business owner in Delaware, staying on top of your tax obligations is paramount, especially with the annual deadline for Delaware Franchise Tax looming on March 1. One such obligation is the annual Delaware Franchise Tax, which serves as a crucial requirement for maintaining your company’s legal standing within the state. While the prospect of handling tax matters may seem daunting, rest assured that the process can be straightforward with the right guidance. In this comprehensive guide, we’ll walk you through the steps of filing your Delaware Franchise Tax and provide insights to help you navigate the process effectively.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
14. “There is a significant
loss of confidence with
banks right now.
People are turning to
whatever communities
they think are best able
to serve them.”
Gartner Research
15. “Visits to online
personal finance
sites are up
threefold over last
year”
17. “Because of the crisis, I
actually felt more
comfortable than if this
were some big bank.”
“This Web site makes
me feel safer.”
Holli Banks, SmartyPig Customer
29. Balanced Offerings
Satisfying business goals provides value for the
business
Meeting user needs provides value for customers
Business Balance is essential for success: business
objectives objectives and user needs must provide shared
& context value
Unbalanced offerings fail!
Value
User needs
& context Business
objective
Business
objective
Business
objective
User User User
needs needs needs
30. Current Offerings
Size
Commercial / Sovereign
Services
Small Entity?
Biz, Gov, Non-profit
Private Banking
SFO
Personal?
Complexity
36. Micro-credit
Shifts & Enabling Factors
• New populations (emerging market) incorporated into global financial system
• Financial instruments available to many more people
• Broader participation in financial / lending system
• Lending becomes social, political,
Future Experience
• Micro-credit system directly connects people across national, cultural,
geographical barriers
• Small transactions formalized & legitimized
• People can generate goodwill & personal connections by lending
Traditional players can provide platform, services.
37. P2P Finance
Shifts & Enabling Factors
• Disintermediation of traditional lenders for small loans
• Increase in range of lending/borrowing options available
• Lending / borrowing localized in relation to different axes - no longer place /
purpose
Future Experience
• Lending / borrowing may no longer controlled and centralized by banks / other
traditional lenders.
• Peer and personal finance = transparent - ratings and histories available on all
parties
• All parties rely on distributed services & finance ecosystem: ratings, contracts,
mediation, communication, etc.
Traditional players can provide platform, services.
38. Prediction Markets
Shifts & Enabling Factors
• Growing acceptance of prediction markets for wider contexts; smaller
enterprises; public policy, politics, finance, entertainment.
• People use prediction markets for individual goals, within individual contexts.
Future Experience
• Personal / group financial decisions can be vetted by experts using cheaply
available collective intelligence tools.
• Prediction markets introduce collective intelligence into financial planning for
individuals and small enterprises.
Traditional players can provide platform, services.
41. Simon: Small Business
Simon owns a bakery and dessert shop. He wants to sell a new kind
of chocolate candy for the holidays. He needs a machine to make the
new kind of candy. The bakery has steady revenue, but Simon needs
a loan to buy the machine.
1. Simon hears about P2P lending for small businesses.
2. Simon checks the ratings of several lending networks focused
on small businesses.
3. Simon compares their terms with loan terms from a bank.
4. The P2P network offers better terms!
5. Simon joins the network, and requests a loan.
42. Simon: Small Business
• The lending network compares Simonʼs request to the results of
similar requests, reviews Simonʼs credit scores and reputation, and
creates a prediction profile.
• The lending network publishes the profile to a prediction market
focused on small business investment.
• The prediction market judges Simon will make enough money to
repay a loan, if the new chocolates sell well.
• The lending networkʼs sends the prediction profile, and judgement to a
network of capital management advisors.
• These advisors recommend Simon lease a machine for six months,
to test sales.
43. Simon: Small Business
• The lending network shares the judgement and advice with Simon,
who agrees with the recommendation.
• The lending network opens a loan for the amount required to lease.
• Lending network members fund the loan based on Simonʼs data,
and the prediction marketʼs judgements, and the advisory report.
• Simon leases the chocolate machine for his bakery
• The chocolates sell well, and Simon repays his loan early, earning
good reputation points within the lending network.
Main Street vs. Wall Street
by Jack Loechner
A new survey of American consumer attitudes to Wall Street by The Harris Poll of 1,010 adults surveyed between February 10 and 15, 2009
http://www.mediapost.com/publications/?fa=Articles.showArticle&art_aid=101756
Main Street vs. Wall Street
by Jack Loechner
A new survey of American consumer attitudes to Wall Street by The Harris Poll of 1,010 adults surveyed between February 10 and 15, 2009
http://www.mediapost.com/publications/?fa=Articles.showArticle&art_aid=101756
Lose Confidence in Your Bank? Turn to the Web
By CLAIRE CAIN MILLER
Published: December 19, 2008
http://www.nytimes.com/2008/12/20/your-money/20mint.html
Lose Confidence in Your Bank? Turn to the Web
By CLAIRE CAIN MILLER
Published: December 19, 2008
http://www.nytimes.com/2008/12/20/your-money/20mint.html
, said Jim Bruene, founder of the trade publisher Online Financial Innovations, and many of the sites say they have grown quickly since the crisis worsened in September.
The principles of microcredit have also been applied in attempting to address several non-poverty-related issues. Among these, multiple Internet-based organizations have developed platforms that facilitate a modified form of peer-to-peer lending where a loan is not made in the form of a single, direct loan, but as the aggregation of a number of smaller loans—often at a negligible interest rate. There are several ways by which the general public can participate in alleviating poverty using Web platforms.
“Because of the crisis, I actually felt more comfortable than if this were some big bank,” Ms. Buck said. “With everything that’s going on with banks, I’m not ready to give them my money. This Web site makes me feel safer.”
http://www.nytimes.com/2008/12/20/your-money/20mint.html
January 22, 2009, 2:36 PM ET
Peer-to-Peer Lending Refuses to Die
http://blogs.wsj.com/wallet/2009/01/22/peer-to-peer-lending-refuses-to-die/
But there are signs of life. Lending Club, which recently registered with the SEC to create a secondary market for its loans, has been signing up twice as many lenders each week than it was last spring, and new loan originations are up about 40% over year-ago levels, says Renaud Laplanche, Lending Club’s founder and chief executive.
http://pertuitydirect.com/docs/launch_press_release.pdf
Pertuity Direct Launches Next Generation Social Finance Platform
Company Brings Together the Advantages of Capital Markets, Social Networking and
Traditional Banking
Pertuity Direct Launches Financial Mashup: Consumer Loans + Mutual Funds + Social Finance
By Jim Bruene on February 15, 2009 12:43 PM
Overview
Pertuity Direct is an amalgamation of two financial services plus a social lending community:
* Mutual fund: Retail investment assets are gathered via the National Retail Fund, an interval mutual fund created by Gemini Fund Services. The fund plans to invest primarily in consumer loans originated by Pertuity Direct (see note 1). At the outset, there are two mutual funds to choose from: one will invest only in loans to prime customers with credit scores of 720 or higher; the other will take on more risk and invest in loans to borrowers with 660 or higher scores. Minimum investment is $250 and current estimated fund expenses are 3.1%.
* Consumer loans: Three-year installment loans of $1,000 to $25,000 will be originated by Pertuity Direct under state licensure. The loans will be sold to The National Retail Fund who will hold them until they pay off. Pertuity Direct will be paid a 1% servicing fee from the fund. Borrowers also pay a 1% to 2% loan fee at funding. The company is currently licensed in 37 states.
Social lending: The last, and least, piece of the product is a social lending forum, where mutual fund investors can purchase Pertuity Bucks to give to already-funded borrowers to help them repay their loans.
Peer-to-Peer Banking
(Business 2.0)
By Rebecca Jarvis
August 1, 2005
The service is open to any U.K. resident over 18 who clears a credit check. Each borrower is assigned to one of two categories: market A for people with solid credit, and market B for riskier borrowers, who pay higher rates. To dampen the effect of defaults, Zopa spreads each user's cash among at least 50 customers. The payoff for would-be J.P. Morgans? Their money works harder than it would in the best money-market accounts. Market A lenders can expect returns around 6 percent, while market B lenders get rates as high as 9 percent. Zopa, meanwhile, takes a 1 percent commission from every borrower's loan.
http://money.cnn.com/magazines/business2/business2_archive/2005/08/01/8269646/index.htm
MicroPlace.com, a wholly-owned subsidiary of eBay, was launched in October 2007. With Microplace, retail investors in the US can buy securities issued by security issuers. Therefore, MicroPlace is tapping into the socially responsible investment world and can attract larger capital to microcredit. Deutsche Bank estimates that $250 billion [7]is needed to raise enough capital to get it into the hands of the one billion working poor who could benefit from microcredit. While the US gave $303 billion [8] in charity to all causes, they invested $2.4 trillion in socially responsible investments. [9]