Generation X, those born between 1965-1979, are entering their peak home-buying years and represent a lucrative market for banks. They are accustomed to conducting financial transactions independently online and expect a quick, convenient digital experience. Community banks that want to attract Gen X homebuyers need sophisticated online tools like self-service mortgage websites that provide rich, customizable information and enable fully digital applications and approvals. These tech-savvy customers will reward banks that make the homebuying process fast, simple and transparent through digital channels.
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
JunglePay is a payment platform that allows merchants to accept a variety of payment methods from customers around the world. It addresses the security concerns that prevent many online shoppers from making purchases with credit cards. JunglePay supports local payment options in different countries to provide customers with familiar and secure payment methods. Merchants can access new global markets and increase sales by integrating JunglePay's simple API into their website.
Recent years have not been kind to banks, and the unstable economic climate didn’t help the cause either. However, there are some exciting developments taking place within the industry, which will help rehabilitate the damaged institutions of today into tomorrow’s banks.
Abt srbi trb social media presentation 1.22.12duaneclement
The document discusses how consumers have changed with new technology and the rise of social media. It notes that consumers now expect more engagement from brands on their own terms. The private sector is adapting by getting connected on social media, evolving business practices, and deploying resources to collaborate and engage customers better. Companies are also using new research tools like online communities and idea sites to gain deeper insights into customers.
This document summarizes a panel discussion on virtual worlds held at the 28th International Conference on Information Systems in December 2007. It discusses 5 perspectives presented by panelists: 1) barriers to virtual world adoption, 2) the role of trust and security in virtual commerce, 3) opportunities to enhance e-commerce through virtual worlds, 4) selecting an appropriate virtual world, and 5) closing comments on psychological, sociological and technological themes in virtual world research.
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
Capitalizing on Market Changes to Grow Your Card Programs (Credit Union Confe...NAFCU Services Corporation
The ever-changing and almost daily shifts in the market provide enormous opportunities for credit unions to extend their reach by effectively leveraging debit and credit card programs. These programs are highly visible, provide important consumer functionality and drive revenue and membership growth. In this 2012 Strategic Growth Conference session, we get to learn how to combine the messages in the market with your credit union brand to capitalize on this unique time, including promoting card features and functionality necessary to differentiate your credit union. We will also look at an analysis of key performance indicators and industry benchmarking data to see how your credit union stacks up! More info at: www.nafcu.org/vantiv
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
JunglePay is a payment platform that allows merchants to accept a variety of payment methods from customers around the world. It addresses the security concerns that prevent many online shoppers from making purchases with credit cards. JunglePay supports local payment options in different countries to provide customers with familiar and secure payment methods. Merchants can access new global markets and increase sales by integrating JunglePay's simple API into their website.
Recent years have not been kind to banks, and the unstable economic climate didn’t help the cause either. However, there are some exciting developments taking place within the industry, which will help rehabilitate the damaged institutions of today into tomorrow’s banks.
Abt srbi trb social media presentation 1.22.12duaneclement
The document discusses how consumers have changed with new technology and the rise of social media. It notes that consumers now expect more engagement from brands on their own terms. The private sector is adapting by getting connected on social media, evolving business practices, and deploying resources to collaborate and engage customers better. Companies are also using new research tools like online communities and idea sites to gain deeper insights into customers.
This document summarizes a panel discussion on virtual worlds held at the 28th International Conference on Information Systems in December 2007. It discusses 5 perspectives presented by panelists: 1) barriers to virtual world adoption, 2) the role of trust and security in virtual commerce, 3) opportunities to enhance e-commerce through virtual worlds, 4) selecting an appropriate virtual world, and 5) closing comments on psychological, sociological and technological themes in virtual world research.
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
Capitalizing on Market Changes to Grow Your Card Programs (Credit Union Confe...NAFCU Services Corporation
The ever-changing and almost daily shifts in the market provide enormous opportunities for credit unions to extend their reach by effectively leveraging debit and credit card programs. These programs are highly visible, provide important consumer functionality and drive revenue and membership growth. In this 2012 Strategic Growth Conference session, we get to learn how to combine the messages in the market with your credit union brand to capitalize on this unique time, including promoting card features and functionality necessary to differentiate your credit union. We will also look at an analysis of key performance indicators and industry benchmarking data to see how your credit union stacks up! More info at: www.nafcu.org/vantiv
The document discusses how social media is changing from an emphasis on engagement to focusing on simplicity. It explores how consumers are adopting niche social networks rather than mass social platforms and how data mining and new forms of artificial intelligence are impacting social media. The rise of social media is transforming how individuals and institutions interact globally, raising new ethical issues around disclosure, transparency, and trust.
The vision of advertising driven by savvy “experts” and their big ideas appears as a romantic memory. Increased consumer expectations, forged in yesterday’s mass media world, eclipse the capacity to artfully deliver results. The digitally connected world we find ourselves in brings new media, communications channels, and technology . . . to embrace, not to fear.
Join this engaging conversation to examine how trends in consumer expectations are increasingly matched to trends in media and technology innovation. Culminating in a case study presented by Nick Primola, SVP Citizens Bank, we examine how mathematics and technology are leveraged to define situational success as customers experience the brand, rather than situation comedy.
In the information age, eGovernment is helping the public sector redefine itself by putting value-added services on the Internet. This document highlights state and local eGovernment success stories.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
Many small business owners rely on credit cards to finance operations due to their ease of access. However, credit cards come with risks. Small business credit cards offer few advantages over personal cards and lack protections against unfair practices. Business owners should carefully consider interest rates and fees when choosing a card. It may be better in some cases to use a personal card instead.
The power of_mobile_and_social_data_webinar_slides_21_may2012Accenture
1. The document discusses the power of mobile and social data for businesses. It covers topics like sentiment analysis, the growing challenge of big data, and harnessing social data.
2. It presents a real-time sentiment analysis solution that uses in-memory processing to conduct automatic opinion extraction from social media at scale with low latency.
3. The document outlines challenges in exploiting social data for businesses and how data integration and management can help harness insights from social media. It provides examples of analyzing sentiment, influencers, and conversations.
Andrew Murrell GM of Digital and Social Marketing from Commonwealth Bank (CommBank) and Bianca Buckridee Social Media Operations Manager from Chase joined Derek Laney Director Product Marketing from Salesforce for a discussion on how banks are reacting and embracing social in their businesses.
Recording will be available after post-production, drop me a line at @derektweets if you want me to let you know when it is there
Moxie Software Webinar - The Knowledge Movement: Trends and OpportunitiesMoxie
This presentation discusses trends in knowledge management and opportunities enabled by social networks, cloud computing, and analytics. It notes that tribal knowledge sharing has benefits for organizations. Emerging models use social technologies to create federated knowledge bases across boundaries. Intent-driven enterprises are also discussed that use big data to understand customer needs. Social technologies allow new feedback loops and collaborative processes between knowledge bases and internal collaboration spaces.
The document discusses Acxiom's Relevance-XTM Social, which allows marketers to leverage social media data to target influential customers and drive word-of-mouth marketing. It analyzes consumer behavior on social networks and how Acxiom can help marketers identify influential users to reach their optimal targets through social relationships and conversations. The solution provides features like targeting VIP programs, gathering customer insights, and reactivating inactive customers.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
- Mobile is a unique platform that allows users to both consume and create content anywhere at any time based on their location, intent, and context. This shifts the value from content consumption to harnessing collective intelligence and capturing user-generated content.
- A new digital business model is emerging where user data is a commodity that is collected, stored, analyzed, and used to create value. However, this raises issues around privacy, risk, trust, and who owns the digital identity and data of the user.
- Strategies need to focus on building these new concepts of privacy capital, risk capital, and trust capital in order to encourage users to engage more and receive better personalized services. The value will be retained by those
The document examines how the relationship between car dealers and customers has shifted as a result of increased internet usage by consumers. It finds that customers now do extensive research online before visiting dealerships, giving them more power in negotiations. While some dealers have adapted by providing more transparency and personalized service, many still rely on traditional high-pressure sales tactics. The document advocates for a more balanced, trusting relationship where dealers help rather than rush customers, in order to better address changing consumer behaviors and build loyalty.
Heartland Payment Systems has found unique success in the electronic payment processing industry through transparent business practices and an incentive-based sales model. The company's commission-only structure has created over 80 millionaires among its sales team. By passing on savings from rate decreases and innovating with new payment products, Heartland has experienced strong organic growth to become the sixth largest player in the industry, while maintaining a sales-focused culture that has challenged traditional industry norms.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires when the company went public due to its generous commission structure. Heartland prioritizes transparency with customers and employees, passing on savings from rate decreases. Its entrepreneurial and transparent culture has led to strong organic growth, making it the 6th largest player in its industry.
Strategic American Four Data vs PrivacyJoel Drotts
The document discusses how avatars are digital representations of individuals created from collected personal information for commercial use, such as targeted advertising. It summarizes that several state laws, a Supreme Court case, and copyright law establish that individuals have publicity rights over their own likeness and information. These laws could potentially require data collectors and companies that profit from selling personal information and digital avatars to obtain consent and pay royalties to individuals. The document argues avatars are subject to the same publicity rights laws as photographs or other likenesses of people.
working smarter - implementing dynamic, collaborative or connected working pr...ibmvietnam
The document discusses how businesses can leverage information and data analytics to gain insights and make better decisions. It notes that uncertainty is the new normal due to increased volatility and complexity. To capitalize on this complexity, organizations need creative leadership, reinvented customer relationships, and improved operating dexterity. The document advocates that businesses get closer to customers through collaboration and information sharing to better understand needs. It also promotes exploiting big data through analytics to deliver unprecedented customer service. Finally, the document outlines IBM's information and analytics solutions that can help organizations optimize decisions, forecast trends, and gain predictive insights.
The document discusses how the internet is changing media and society. Key points:
1. The internet allows anyone to publish content, not just traditional media. This leads to a culture revolution as opinions come from a wider range of voices.
2. Readers want information anytime online. Publishing becomes continuous. Content can reach a global yet local audience. Performance and specialization improve with direct access to specific topics. Loyalty decreases as switching costs are low.
3. Aggregators may grow more than content creators as they control information flow and add value for readers. New influencers and business models will emerge.
4. The future of media will be personalized, understand individual interests, and recommend new information
1. The home buying process involves determining an affordable mortgage payment, finding a home that meets your requirements, making an offer, finalizing loan approval, inspecting the home, obtaining insurance, and closing the deal.
2. Key steps are getting pre-approved for a loan, working with a realtor to tour listings, submitting an offer that may be accepted or receive a counteroffer, finalizing the loan approval, inspecting the home, obtaining insurance, and attending the closing.
3. Navigating the process is easiest with a knowledgeable real estate professional to guide you and answer questions along the way.
10 Insightful Quotes On Designing A Better Customer ExperienceYuan Wang
In an ever-changing landscape of one digital disruption after another, companies and organisations are looking for new ways to understand their target markets and engage them better. Increasingly they invest in user experience (UX) and customer experience design (CX) capabilities by working with a specialist UX agency or developing their own UX lab. Some UX practitioners are touting leaner and faster ways of developing customer-centric products and services, via methodologies such as guerilla research, rapid prototyping and Agile UX. Others seek innovation and fulfilment by spending more time in research, being more inclusive, and designing for social goods.
Experience is more than just an interface. It is a relationship, as well as a series of touch points between your brand and your customer. Here are our top 10 highlights and takeaways from the recent UX Australia conference to help you transform your customer experience design.
For full article, continue reading at https://yump.com.au/10-ways-supercharge-customer-experience-design/
http://inarocket.com
Learn BEM fundamentals as fast as possible. What is BEM (Block, element, modifier), BEM syntax, how it works with a real example, etc.
How to Build a Dynamic Social Media PlanPost Planner
Stop guessing and wasting your time on networks and strategies that don’t work!
Join Rebekah Radice and Katie Lance to learn how to optimize your social networks, the best kept secrets for hot content, top time management tools, and much more!
Watch the replay here: bit.ly/socialmedia-plan
The document discusses how social media is changing from an emphasis on engagement to focusing on simplicity. It explores how consumers are adopting niche social networks rather than mass social platforms and how data mining and new forms of artificial intelligence are impacting social media. The rise of social media is transforming how individuals and institutions interact globally, raising new ethical issues around disclosure, transparency, and trust.
The vision of advertising driven by savvy “experts” and their big ideas appears as a romantic memory. Increased consumer expectations, forged in yesterday’s mass media world, eclipse the capacity to artfully deliver results. The digitally connected world we find ourselves in brings new media, communications channels, and technology . . . to embrace, not to fear.
Join this engaging conversation to examine how trends in consumer expectations are increasingly matched to trends in media and technology innovation. Culminating in a case study presented by Nick Primola, SVP Citizens Bank, we examine how mathematics and technology are leveraged to define situational success as customers experience the brand, rather than situation comedy.
In the information age, eGovernment is helping the public sector redefine itself by putting value-added services on the Internet. This document highlights state and local eGovernment success stories.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
Many small business owners rely on credit cards to finance operations due to their ease of access. However, credit cards come with risks. Small business credit cards offer few advantages over personal cards and lack protections against unfair practices. Business owners should carefully consider interest rates and fees when choosing a card. It may be better in some cases to use a personal card instead.
The power of_mobile_and_social_data_webinar_slides_21_may2012Accenture
1. The document discusses the power of mobile and social data for businesses. It covers topics like sentiment analysis, the growing challenge of big data, and harnessing social data.
2. It presents a real-time sentiment analysis solution that uses in-memory processing to conduct automatic opinion extraction from social media at scale with low latency.
3. The document outlines challenges in exploiting social data for businesses and how data integration and management can help harness insights from social media. It provides examples of analyzing sentiment, influencers, and conversations.
Andrew Murrell GM of Digital and Social Marketing from Commonwealth Bank (CommBank) and Bianca Buckridee Social Media Operations Manager from Chase joined Derek Laney Director Product Marketing from Salesforce for a discussion on how banks are reacting and embracing social in their businesses.
Recording will be available after post-production, drop me a line at @derektweets if you want me to let you know when it is there
Moxie Software Webinar - The Knowledge Movement: Trends and OpportunitiesMoxie
This presentation discusses trends in knowledge management and opportunities enabled by social networks, cloud computing, and analytics. It notes that tribal knowledge sharing has benefits for organizations. Emerging models use social technologies to create federated knowledge bases across boundaries. Intent-driven enterprises are also discussed that use big data to understand customer needs. Social technologies allow new feedback loops and collaborative processes between knowledge bases and internal collaboration spaces.
The document discusses Acxiom's Relevance-XTM Social, which allows marketers to leverage social media data to target influential customers and drive word-of-mouth marketing. It analyzes consumer behavior on social networks and how Acxiom can help marketers identify influential users to reach their optimal targets through social relationships and conversations. The solution provides features like targeting VIP programs, gathering customer insights, and reactivating inactive customers.
The Financial Advisor business is transitioning to a new paradigm in which advice, customer experience, and personalized content will merge. Advisors will need to build and maintain their personal brand via social media networks whilst balancing regulatory constraints. The industry has started to adapt but much more opportunity exists to create new interaction models and grow one's book of business. Among consumers, there is a growing expectation that firms have a social media presence as part of their engagement model – digital natives have a “social media first” mindset. This presentation highlights recent trends, transformations the industry is going through, and a roadmap to respond to these changes.
- Mobile is a unique platform that allows users to both consume and create content anywhere at any time based on their location, intent, and context. This shifts the value from content consumption to harnessing collective intelligence and capturing user-generated content.
- A new digital business model is emerging where user data is a commodity that is collected, stored, analyzed, and used to create value. However, this raises issues around privacy, risk, trust, and who owns the digital identity and data of the user.
- Strategies need to focus on building these new concepts of privacy capital, risk capital, and trust capital in order to encourage users to engage more and receive better personalized services. The value will be retained by those
The document examines how the relationship between car dealers and customers has shifted as a result of increased internet usage by consumers. It finds that customers now do extensive research online before visiting dealerships, giving them more power in negotiations. While some dealers have adapted by providing more transparency and personalized service, many still rely on traditional high-pressure sales tactics. The document advocates for a more balanced, trusting relationship where dealers help rather than rush customers, in order to better address changing consumer behaviors and build loyalty.
Heartland Payment Systems has found unique success in the electronic payment processing industry through transparent business practices and an incentive-based sales model. The company's commission-only structure has created over 80 millionaires among its sales team. By passing on savings from rate decreases and innovating with new payment products, Heartland has experienced strong organic growth to become the sixth largest player in the industry, while maintaining a sales-focused culture that has challenged traditional industry norms.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires when the company went public due to its generous commission structure. Heartland prioritizes transparency with customers and employees, passing on savings from rate decreases. Its entrepreneurial and transparent culture has led to strong organic growth, making it the 6th largest player in its industry.
Strategic American Four Data vs PrivacyJoel Drotts
The document discusses how avatars are digital representations of individuals created from collected personal information for commercial use, such as targeted advertising. It summarizes that several state laws, a Supreme Court case, and copyright law establish that individuals have publicity rights over their own likeness and information. These laws could potentially require data collectors and companies that profit from selling personal information and digital avatars to obtain consent and pay royalties to individuals. The document argues avatars are subject to the same publicity rights laws as photographs or other likenesses of people.
working smarter - implementing dynamic, collaborative or connected working pr...ibmvietnam
The document discusses how businesses can leverage information and data analytics to gain insights and make better decisions. It notes that uncertainty is the new normal due to increased volatility and complexity. To capitalize on this complexity, organizations need creative leadership, reinvented customer relationships, and improved operating dexterity. The document advocates that businesses get closer to customers through collaboration and information sharing to better understand needs. It also promotes exploiting big data through analytics to deliver unprecedented customer service. Finally, the document outlines IBM's information and analytics solutions that can help organizations optimize decisions, forecast trends, and gain predictive insights.
The document discusses how the internet is changing media and society. Key points:
1. The internet allows anyone to publish content, not just traditional media. This leads to a culture revolution as opinions come from a wider range of voices.
2. Readers want information anytime online. Publishing becomes continuous. Content can reach a global yet local audience. Performance and specialization improve with direct access to specific topics. Loyalty decreases as switching costs are low.
3. Aggregators may grow more than content creators as they control information flow and add value for readers. New influencers and business models will emerge.
4. The future of media will be personalized, understand individual interests, and recommend new information
1. The home buying process involves determining an affordable mortgage payment, finding a home that meets your requirements, making an offer, finalizing loan approval, inspecting the home, obtaining insurance, and closing the deal.
2. Key steps are getting pre-approved for a loan, working with a realtor to tour listings, submitting an offer that may be accepted or receive a counteroffer, finalizing the loan approval, inspecting the home, obtaining insurance, and attending the closing.
3. Navigating the process is easiest with a knowledgeable real estate professional to guide you and answer questions along the way.
10 Insightful Quotes On Designing A Better Customer ExperienceYuan Wang
In an ever-changing landscape of one digital disruption after another, companies and organisations are looking for new ways to understand their target markets and engage them better. Increasingly they invest in user experience (UX) and customer experience design (CX) capabilities by working with a specialist UX agency or developing their own UX lab. Some UX practitioners are touting leaner and faster ways of developing customer-centric products and services, via methodologies such as guerilla research, rapid prototyping and Agile UX. Others seek innovation and fulfilment by spending more time in research, being more inclusive, and designing for social goods.
Experience is more than just an interface. It is a relationship, as well as a series of touch points between your brand and your customer. Here are our top 10 highlights and takeaways from the recent UX Australia conference to help you transform your customer experience design.
For full article, continue reading at https://yump.com.au/10-ways-supercharge-customer-experience-design/
http://inarocket.com
Learn BEM fundamentals as fast as possible. What is BEM (Block, element, modifier), BEM syntax, how it works with a real example, etc.
How to Build a Dynamic Social Media PlanPost Planner
Stop guessing and wasting your time on networks and strategies that don’t work!
Join Rebekah Radice and Katie Lance to learn how to optimize your social networks, the best kept secrets for hot content, top time management tools, and much more!
Watch the replay here: bit.ly/socialmedia-plan
The document discusses how personalization and dynamic content are becoming increasingly important on websites. It notes that 52% of marketers see content personalization as critical and 75% of consumers like it when brands personalize their content. However, personalization can create issues for search engine optimization as dynamic URLs and content are more difficult for search engines to index than static pages. The document provides tips for SEOs to help address these personalization and SEO challenges, such as using static URLs when possible and submitting accurate sitemaps.
Lightning Talk #9: How UX and Data Storytelling Can Shape Policy by Mika Aldabaux singapore
How can we take UX and Data Storytelling out of the tech context and use them to change the way government behaves?
Showcasing the truth is the highest goal of data storytelling. Because the design of a chart can affect the interpretation of data in a major way, one must wield visual tools with care and deliberation. Using quantitative facts to evoke an emotional response is best achieved with the combination of UX and data storytelling.
This document summarizes a study of CEO succession events among the largest 100 U.S. corporations between 2005-2015. The study analyzed executives who were passed over for the CEO role ("succession losers") and their subsequent careers. It found that 74% of passed over executives left their companies, with 30% eventually becoming CEOs elsewhere. However, companies led by succession losers saw average stock price declines of 13% over 3 years, compared to gains for companies whose CEO selections remained unchanged. The findings suggest that boards generally identify the most qualified CEO candidates, though differences between internal and external hires complicate comparisons.
Predatory lending involves abusive practices that exploit borrowers, often with subprime credit. Some signs of predatory loans include excessively high interest rates and fees, misleading terms, and loans that start with low payments that rapidly increase over time. To avoid predatory loans, home buyers should carefully compare loan options, ask questions about rates, fees, and long-term affordability, and work with reputable lenders and real estate agents.
TDWI Inda BI on Cloud Future State Visiontdwiindia
The document discusses 4 technology trends through 2018: 1) Always-on connectivity will make the internet integral to daily life via billions of connected devices; 2) Intelligent information via semantic web searches will provide personalized solutions; 3) Richer interactions using voice, gestures, touch, holograms and robotics will engage customers in more meaningful ways; 4) Simple, intuitive devices and seamless shifting between screens will be the main way consumers interact with information and complete tasks.
This document summarizes a study on how Gen Z expectations are reshaping brand experiences. The study found that Gen Z expects instant, highly personalized, secure, and entertaining digital experiences from brands. Gen Z values trust, security, and digital features more than previous generations. They are also very comfortable with digital payments and interacting with brands through mobile apps and social media. For brands to attract Gen Z customers, they will need to deliver fast, personalized experiences across digital channels.
The development of it in economic growth in usa & bangladeshRafi Afnan
This document is an assignment submitted by Rafi Afnan to Jewel Kumar Roy on the topic of fintech and its potential to disrupt traditional financial institutions. It summarizes findings from a World Economic Forum report that identified 5 key characteristics of fintech innovators that make them more threatening to incumbents than past innovators. These include highly focused products, automating processes, strategic use of data, platform-based models, and collaborating with incumbents. The document concludes that while brands may survive, fintech will force changes that benefit consumers. It then briefly previews emerging technologies in 2019 like 5G that could enable further fintech innovations.
The document discusses Century 21's success and achievements. It states that Century 21 has the largest network of real estate agents worldwide, with over 7,100 offices and 100,000 agents in 73 countries. Survey results show that Century 21 has been the most recognized and respected real estate brand for 14 years. The document invites readers to join Century 21's elite team of agents.
Centazzo Near Term Consumer Media Trends 2011Troy Centazzo
This document summarizes consumer trends in 2011, focusing on increased internet and mobile usage. It notes that 56% of consumers use the internet to inform purchasing decisions and find lowest prices, and that smartphone ownership is projected to reach 50% in 2011. It also discusses unprecedented data collection on consumers and targeted advertising based on analyzed consumer behavior. Word of mouth recommendations remain the most trusted form of advertising. The author is an engagement partner who advises companies on strategy and fundraising, with over 20 years of experience in investment banking, consulting, and entrepreneurship.
1) The amount of digital data in the world will increase dramatically from 1.2 zetabytes to 35 zetabytes in the coming years as more devices and objects become connected to the internet.
2) This data explosion will allow marketers to target audiences with unprecedented precision by analyzing individual online behaviors and attributes across multiple databases and devices.
3) However, with great data comes great responsibility, and marketers must proactively address privacy and data protection to avoid a consumer backlash over improper use and sharing of personal information.
The document summarizes presentations from a real estate conference on current trends. It discusses survey results from real estate members which found most have been in the business less than 10 years. Presenters discussed trends like an upcoming economic recovery in 2009, changing consumer preferences, and the need for real estate professionals to adapt to new technologies and business models to better serve customers. Real estate associations were urged to get younger members and follow consumers online.
This document discusses how loyalty marketers can successfully engage Generation Y consumers. It provides facts about Gen Y, noting they are the most ethnically diverse generation and are totally immersed in technology. It discusses their communication preferences, with high use of instant messaging, social networks, and texting. Gen Y has purchasing influences from friends and is not swayed as much by advertising. The document argues loyalty marketers must adapt to cultural changes and understand Gen Y's social media participation and banking preferences to effectively engage this emerging consumer segment. It provides examples of companies successfully targeting Gen Y and concludes that meeting them where they are, minimizing fine print, and fulfilling data promises can help loyalty marketers match up with this new breed of consumer.
The document discusses peer-to-peer (P2P) lending and social lending networks. It provides details on several social lending platforms like Prosper, Zopa, and Lending Club. These platforms allow individuals to borrow and lend money directly, bypassing banks. Borrowers create profiles describing their financial needs, and lenders can choose to fund parts of loan requests. The social aspects of sharing stories and building connections are emphasized.
This document discusses myths and realities about payments preferences of Generations Y and Z. It finds that while these generations prefer convenience, their preferences are more evolutionary than revolutionary compared to older generations. Specifically:
- Both generations are comfortable using credit and know their credit scores, preferring credit cards for purchases over alternative payments. However, they want more clarity on credit terms and rates.
- While open to online shopping, both generations still prefer applying for store credit in person or online equally.
- Their payment and shopping preferences are not that different from older generations, as all want convenience and seamless experiences.
- For holidays, over 50% of each generation will look to purchase electronics and apparel, and
This document discusses the challenges facing wealth managers in adapting to digital advice models. It notes that consumers now begin their financial journeys online through research and want digital tools to manage their finances. A major challenge is the impending generational wealth transfer from Baby Boomers to younger generations like Millennials who expect a digital experience. The document advocates for a three-tiered advisory approach using human advisors, hybrid human-digital models, and digital-only options to serve different client segments. Wealth managers must embrace digital tools and strategies to attract younger clients and adapt to their preferences in order to grow their practices.
CFA Institute Wealth Management Conference 2013April Rudin
Here are my slides from my recent presentation on Digital Strategies In The HNW Financial Advisory Practice. Here is a link to my live presentation: http://new.livestream.com/livecfa/Rudin
This document provides an industry update on the real estate market, noting that it is a time of both great challenge and opportunity for real estate professionals. It discusses the extremes in the current market environment and forces impacting realtors at both the broker and agent level. The challenges include economic issues, high foreclosure rates, and a looming shadow inventory of homes. However, it also notes opportunities presented by new technologies, the evolving consumer, and a shift to more accountability and transparency. The next few years will be defining for the real estate industry as it navigates these market forces and changing consumer expectations.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires due to stock options when the company went public. Heartland achieves organic growth through transparency, passing on savings to customers, and investing in new technologies. The company's sales culture rewards representatives with generous commissions and bonuses, motivating top performers to earn over $80,000 in a single month.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires when the company went public due to its generous commission structure. Heartland prioritizes transparency with customers and employees, passing on savings from rate decreases. The company's culture of sales and entrepreneurial spirit have led to strong organic growth despite economic challenges.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires when the company went public due to its generous commission structure. Heartland prioritizes transparency with customers and employees, passing on savings from rate decreases to keep prices low. The company's culture of sales and entrepreneurial spirit have led to billions in organic revenue growth.
Heartland Payment Systems is an electronic payment processing company that became very successful by treating employees and customers well. In 2007, 84 Heartland employees became millionaires when the company went public due to its generous commission structure. Heartland prioritizes transparency with customers and employees, passing on savings from rate decreases. Its entrepreneurial and transparent culture has led to strong organic growth, making it the 6th largest player in its industry.
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Using Self-Service Mortgage Sites to Attract Generation X Home Buyers
A White Paper from Dexma, Inc.
The housing market may be in the Given the fact that mortgage lending
doldrums, but the long-term outlook for can increase deposits and lead to better
the industry is looking good as Generation customer relationships, you might expect all
X – those born between 1965 and 1979 community banks to offer mortgage loans
– enter their peak home-buying years. to their customers. But running an effective
mortgage operation today requires the
This demographic group, made up of about community bank to meet Gen Xers where
62 million people, is a lucrative market well they’re at: online; and most community
worth pursuing by community banks and banks don’t offer the kind of sophisticated
other financial institutions. According to a online presence required to effectively reach
recent National Association of Realtors® and serve these Web-savvy borrowers.
(NAR) Profile of Buyers and Sellers, the
average homebuyer is now around 41 years Generation X: First on
old; among first-time buyers, the median
age is 32. In just the next two years, 37
the Internet
percent of Gen Xers and 27 percent of Of all buyers who used the Internet to search
“Echo-Boomers” (those born after 1979) say for a home, 42 percent were 34 years or
they plan to buy a home, compared to just younger. The Internet is the fastest growing
13 percent of Baby Boomers and 6 percent channel for mortgages, with 70 percent of
of seniors. loan seekers going online to shop for rates.
According to the National Association
Studies show that banks that hold the of Realtors®, the Internet is used by 80
mortgage will sell, on average, twice as percent of homebuyers to find information
many additional bank products to that on properties or communities; 61 percent
customer as banks that don’t have the of first-time buyers used the Internet
mortgage relationship. Moreover, the “frequently.”
mortgage application process captures more
customer information than any other bank Gen Xers were the first to adopt the
product, providing a pool of data for cross- commercial Internet and trust online
selling other products and services. information sources over traditional ones.
www.dexma.com | 1.888.831.0955
2. and mid-sized banks that are hoping to attract Gen
Xers’ business. Despite all of the money and effort
that larger banks spend on branding, very few have
attracted loyal Gen Xers.
In fact, sheer size and slick advertising (usually an
advantage) could very well work against these larger
institutions. Gen Xers are savvy to the point of being
cynical – they just want to know what’s in it for
them. They understand there’s always an angle, and
there’s no such thing as a free lunch. If you offer a
competitive rate and make it easy for them to work
with you, you’ll attract their business. Make it a fast
transaction and a quick close, and you could well have
their next transaction as well as their friends’ business.
Tech Tools for Gen Xers
A consumer-facing mortgage website that incorporates
They’re also used to having a wealth of information a lender’s loan program information, products
at their fingertips. While online, they’re not only and prices is the perfect tool to engage the Gen X
searching for properties, they’re also shopping for homebuyer. Lenders can use this presence to reach out
mortgage rates. The original “latch-key” generation, to anyone who’s online and seriously shopping for a
Gen Xers are self-reliant and used to handling things mortgage.
themselves. It’s not a surprise that many are filling
out applications without assistance and seeking online A simple, yet sophisticated point-of-sale technology is
approvals. As a group they like and respect companies essential for lenders that are developing new channels
that allow them to act independently, with minimal of business with banks, brokers, builders, realtors,
human interference. and other business partners targeting homebuyers of
any age. Technology is the glue that binds lenders
Speed is also important, as Gen Xers are used to with business partners who can help grow mortgage
getting quick answers to their questions. Today’s business in whatever communities or markets they
“snack” mentality means your sites must provide rich choose.
content in miniscule, bite-size pieces. Tell them what
they’re going to get by clicking and show it to them
visually, with images that engage them. The more you Gen Xers Dominate 1st Mortgage Market
enable them to customize their content, the better. So
11%
your mortgage website must give serious homebuyers
Gen X (22-42)
the answers they’re looking for quickly, and enable
repeat visitors to log in for future reference. Move the Gen Y (13-21)
Gen X homebuyer quickly through the homebuying 45%
Boomers (43-60)
process, rewarding them with instant approvals and
Silent (61-78)
detailed customized rates and information.
43%
In the ‘80s and ‘90s, Gen Xers saw their parents
laid off by companies they had worked for their 1%
whole lives. For this reason, this generation tends Source: Data from 1,200 Dexma lender customers
to distrust institutions and brands and is unwilling
to give loyalty easily. This is good news for small-
www.dexma.com | 1.888.831.0955 2
3. Consumers who go online to a rich, transactional
mortgage website are rewarded with a wealth of
information. If they’re new and inexperienced, they
can read all about the homebuying experience on
the site; most sites enable lenders to easily configure
and customize Web content to fit their process and
products. Mortgage calculators enable homebuyers to
make informed decisions on product options and rate
trackers allow them to set a desired interest rate or
monthly payment, automatically sending an e-mail
when it’s available.
Product and rate quotes are customizable for
borrowers based on their specific loan information as
well as product eligibility rules. Consumers should be
able to see the interest rate, discount points, estimated
closing costs, monthly mortgage payment (P&I) and
APRs for a variety of products before making their
selection.
Effective websites also feature a mortgage application
that takes just minutes to complete, as well as online
disclosures. Qualified applicants are rewarded with a
“genuine” pre-approval decision and lender-branded
approval letter for suitable first mortgages and
equity loans. If they haven’t already found a home,
homebuyers can use this approval letter to shop for a
home with confidence.
Loan App's Submitted in One Session Loan App's Submitted After Hours
15.8% 18.3%
One Session 8 a.m. - 5 p.m.
Multiple Sessions
After Business Hours
84.2% 81.7%
Source: Data from 1,200 Dexma customers
www.dexma.com | 1.888.831.0955 3
4. Boosting Customer Service with Technology
Some lenders haven’t developed a robust website and loan documents such as approval letters and
presence because they think it doesn’t support their disclosures. Today, online disclosures can be delivered
focus on personal service. and accepted online, eliminating the time delay as
well as the hassle and costs of printing and mailing.
In fact, a successful website can help loan officers and
In some platforms, users can upload documents into
other lender employees provide better, faster service
an electronic file cabinet where they can be updated,
to consumers. Loan officers can take the consumer’s
viewed and printed, thus reducing time, paper and the
application over the phone or in person, filling out the
hassle of tracking down documents.
online application. Then, while the potential borrower
is waiting, the loan officer can e-mail or hand them Elegant website design is not as important as speedy
an approval letter and explain specific underwriting performance; if the site is too slow, many visitors
guidelines and the information that’s required to will just click away to look for a site that responds
complete their loan. more quickly. Therefore, it’s essential to look for a
technology partner that can optimize your website’s
performance. The rewards of a fast, self-service website
Mortgage Website “Must-Haves” can actually be measured in dollars and cents: a web
transaction costs the lender an average of 25 cents,
• Current Interest Rates
while Gartner Group estimates a phone call will cost
• Calculators the lender closer to $5 or $10.
• Quick Qualifier
Banks that effectively deploy today’s mortgage
• Online Application for 1sts & 2nds technology will be able to attract and retain more
• Log-in for Returning Visitors mortgage business from Gen Xers—as well as any
borrower who’s comfortable with the Internet. Lenders
• Info. for First-Time Homebuyers with transactional websites have much higher pull-
• “Instant” Online Approvals through rates, because they enable consumers and
loan officers to complete the loan origination process
anytime and anywhere they have Internet access.
In addition, your loan officers will get their own
“workbench” where they can see all of the loans in Get more information about
their pipeline and where each application is in the
mortgage origination technology
process. The beauty of a fully integrated system is
that once the data is in the system – whether the outsourcing with Dexma
consumer or the loan officer entered it – it’s there and Dexma can help you close the generation gap and
doesn’t require re-keying, which saves a lot of time appeal to Gen X and Y homebuyers. Our solution,
and maintains data integrity. Ideally, services such as the Dexma Lending Suite, will help you build a
appraisal, flood, title and mortgage insurance are also strong mortgage presence that appeals to online
integrated into the system, so ordering these services borrowers while enabling you to provide better,
is just a few clicks away. Later, community banks can faster service. We have helped our customers
use this “single view of the customer” to drive deep increase their loan volume, decrease their
relationships with borrowers. origination costs and improve productivity.
Furthermore, originators and homebuyers should Visit Dexma today at www.dexma.com,
be able to communicate with each other in real- or call 1-800-831-0955.
time and view the loan file, underwriting conditions
www.dexma.com | 1.888.831.0955 4