Leveraging Lean Thinking in Credit Unions: Three Ways to Improve Member Service While Reducing Costs.
In today's competitive environment, member service is a top priority for credit unions. At the same time, there is an increased pressure to do more with less and reduce costs. The adoption of Lean principles and tools provides an opportunity for credit unions to engage employees and simultaneously improve member service and reduce costs.
Learn the basics of Lean and how it can be applied to credit unions. Hear from Randolph-Brooks Federal Credit Union about how they are leveraging Lean methods to make significant improvements in:
* Branch Channel Lending
* Call Center Member Service
* Branch Resource Management
In this presentation, Peter Farrow of Randolph-Brooks Federal Credit Union shares the basics of “Lean for Credit Unions.” He also discusses some of the reasons Randolph-Brooks considered Lean and ways Lean can be beneficial to any credit union.
Peter presents three detailed case studies from Randolph-Brooks and the results they achieved:
– Branch Channel Lending
– Call Center Member Service
– Branch Workforce Management
He gives an overview of Lean in IT and a few reasons Randolph-Brooks chose to implement Lean in IT. Peter also shares some helpful tips for getting started with your own improvement initiatives.
Using Six Sigma to Drive Tangible Service Desk Improvement and SavingsITSM Academy, Inc.
Kirk Holmes, itSMF USA National Capital President Emeritus, President of Holmes and Associates, will present his experience with using Sig Sigma to answer the question; How do you reduce Service Desk costs, improve quality, and fulfill the Service Desk mission?
Offshore Outsourcing - Workshop In today’s world of sourcing, no conference would be complete without focusing on how to effectively employ Global Sourcing. It will discuss the essential considerations for capturing the benefits and managing the risks of offshore, as applied to both IT and Business Process Outsourcing. Participants will benefit from learning: The major offshoring models and what has been changing India vs. the others – host country tradeoffs Major contractual differences
Webinar: Back Office: February 28, 2012Judy Misbin
Find out how optimizing your back office can help improve your firms consistency and metrics around compliance, customer experience, and operational efficiencies
In this presentation, Peter Farrow of Randolph-Brooks Federal Credit Union shares the basics of “Lean for Credit Unions.” He also discusses some of the reasons Randolph-Brooks considered Lean and ways Lean can be beneficial to any credit union.
Peter presents three detailed case studies from Randolph-Brooks and the results they achieved:
– Branch Channel Lending
– Call Center Member Service
– Branch Workforce Management
He gives an overview of Lean in IT and a few reasons Randolph-Brooks chose to implement Lean in IT. Peter also shares some helpful tips for getting started with your own improvement initiatives.
Using Six Sigma to Drive Tangible Service Desk Improvement and SavingsITSM Academy, Inc.
Kirk Holmes, itSMF USA National Capital President Emeritus, President of Holmes and Associates, will present his experience with using Sig Sigma to answer the question; How do you reduce Service Desk costs, improve quality, and fulfill the Service Desk mission?
Offshore Outsourcing - Workshop In today’s world of sourcing, no conference would be complete without focusing on how to effectively employ Global Sourcing. It will discuss the essential considerations for capturing the benefits and managing the risks of offshore, as applied to both IT and Business Process Outsourcing. Participants will benefit from learning: The major offshoring models and what has been changing India vs. the others – host country tradeoffs Major contractual differences
Webinar: Back Office: February 28, 2012Judy Misbin
Find out how optimizing your back office can help improve your firms consistency and metrics around compliance, customer experience, and operational efficiencies
Paul Leamon presents common back office challenges, and defines what a world-class back office looks like, and how to build one. Additionally, explains the business impacts of becoming a world-class back office.
Mark Darby's vision for connecting the public service ecosystem, so that partners work together to forge stronger communities with pam. pam is the platform for change and relationship success. It is a collaborative software environment that enables people and organisations to achieve more, and make life easier.
In current turbulent economic times, we experience increasing pressure on IT efficiency and quality. Although IT hasn’t yet been part of the core business of all industries, it is (or could soon become) a crucial factor of business success in many industries today.
The objective of this talk is to provide an overview of the key MPS processes and a survey of benchmark technology approaches used by leading OEM and application providers to address customer needs. The talk includes an up-to-the-minute overview of the methods, processes and technologies that are refocusing the print industry towards a service orientation, convergence with ITO and next generation commercial applications such as Cloud Print, Print as a Service and Hardware as a Service.
Tech Connect is a leading Global Business Collaboration solution provider company headquartered in Delhi (Noida) with operations in 11 cities across India and having overseas presence in Hong Kong and Singapore. The company offers all kinds of Professional Audio Visual equipments having specialization in Business Collaboration & Audio-Visual solutions.
Tech Connect delivers tailor made integrated communication solutions for Board - Rooms / Conference Rooms, Training facilities, Customer Experience Centers, Network Operating Centers (NOC).
Tech Connect has been ranked amongst the top three best performing AV companies in India.
Our Clients - RBS, Airtel, Adobe, Coca Cola, Larsen & Toubro, Genpact, TCS, etc.
Our Associates - Kramer, Crestron, CISCO, Polycom, Harman, Biamp, etc.
Learn how leading retailers are applying Lean Six Sigma to improve the customer experience.
The webinar will cover “Five Points of Transition” a consumer goes through in a retail environment and how those five transition points can be optimized for efficiency and improved customer experience.
How does your company rate when it comes to the customer experience? Find out how well your company is performing and benchmark with other retailers.
Learn how leading retailers are applying Lean Six Sigma to improve the customer experience. The webinar will cover “Five Points of Transition” a consumer goes through in a retail environment and how those five transition points can be optimized for efficiency and improved customer experience. How does your company rate when it comes to the customer experience? Find out how well your company is performing and benchmark with other retailers.
Paul Leamon presents common back office challenges, and defines what a world-class back office looks like, and how to build one. Additionally, explains the business impacts of becoming a world-class back office.
Mark Darby's vision for connecting the public service ecosystem, so that partners work together to forge stronger communities with pam. pam is the platform for change and relationship success. It is a collaborative software environment that enables people and organisations to achieve more, and make life easier.
In current turbulent economic times, we experience increasing pressure on IT efficiency and quality. Although IT hasn’t yet been part of the core business of all industries, it is (or could soon become) a crucial factor of business success in many industries today.
The objective of this talk is to provide an overview of the key MPS processes and a survey of benchmark technology approaches used by leading OEM and application providers to address customer needs. The talk includes an up-to-the-minute overview of the methods, processes and technologies that are refocusing the print industry towards a service orientation, convergence with ITO and next generation commercial applications such as Cloud Print, Print as a Service and Hardware as a Service.
Tech Connect is a leading Global Business Collaboration solution provider company headquartered in Delhi (Noida) with operations in 11 cities across India and having overseas presence in Hong Kong and Singapore. The company offers all kinds of Professional Audio Visual equipments having specialization in Business Collaboration & Audio-Visual solutions.
Tech Connect delivers tailor made integrated communication solutions for Board - Rooms / Conference Rooms, Training facilities, Customer Experience Centers, Network Operating Centers (NOC).
Tech Connect has been ranked amongst the top three best performing AV companies in India.
Our Clients - RBS, Airtel, Adobe, Coca Cola, Larsen & Toubro, Genpact, TCS, etc.
Our Associates - Kramer, Crestron, CISCO, Polycom, Harman, Biamp, etc.
Learn how leading retailers are applying Lean Six Sigma to improve the customer experience.
The webinar will cover “Five Points of Transition” a consumer goes through in a retail environment and how those five transition points can be optimized for efficiency and improved customer experience.
How does your company rate when it comes to the customer experience? Find out how well your company is performing and benchmark with other retailers.
Learn how leading retailers are applying Lean Six Sigma to improve the customer experience. The webinar will cover “Five Points of Transition” a consumer goes through in a retail environment and how those five transition points can be optimized for efficiency and improved customer experience. How does your company rate when it comes to the customer experience? Find out how well your company is performing and benchmark with other retailers.
Guidon's President and CEO Ron Wince presented a session at the Oregon Effective Government Conference September 29, 2009, "Developing a Lean, Mean Organization." State and local governments are continually being pressured to cut costs, do more with less and be more customer-focused. They learned how to apply Lean Six Sigma methods to make your their agency, department and programs run better, faster and cheaper.
More and more companies are closely examining IT operations, and IT leaders are constantly under pressure to provide more service with less. Research shows that corporate IT spend as a percentage of revenue ranges from 3.46% to 0.89%, and industry analysts predict IT departments will face 5-10% budget reductions in the coming fiscal year. What can be done to alleviate some of these pressures?
When companies are able to align IT costs to business objectives, it significantly increases the strategic value of the company's IT investments. Learn how IT leaders are applying Lean Six Sigma to align IT costs with overall business objectives. Compare typical approaches to IT cost reduction and the advantages/disadvantages of each and hear case studies from other companies implementing Lean Six Sigma in IT.
Learn how to get started with Lean Six Sigma in IT and how to effectively assess your current IT operations.
June 9-11, 2009 – Conference: Lean Government Exchange (Des Moines, Iowa) Session: "How To Scope a Lean Event"
Presented by Brent Jameson, Managing Director of Technology and Strategic Alliances of Guidon
A dynamic, best process improvement conference focused on implementing Lean in government.
Agile Program Management Best PracticesPete Behrens
Pete Behrens presents a critical dependency to effective program management - the organization. He evaluates three key variables of focus, communication and transparency in the organization and how the organizational structure prevents or allows these elements to emerge.
There is overwhelming consensus from financial services executives that the current risk environment has become significantly more complex, dynamic, and difficult to navigate. This is evidenced by the performance and growth challenges firms face today - caused in part by failures to adequately manage risk from across financial products, operations, and business units.
With this turbulence has come a much greater interest in understanding and managing risk holistically and ensuring Risk Management is truly enterprise-wide, part of the organization's DNA, and much more performance-based.
In this presentation, IDC Financial Insights and Guidon Performance Solutions join to discuss principles and the roadmap for building mature and effective Enterprise Risk Management (ERM) that leads to competitive advantages.
By viewing you will gain perspective on:
- Setting a shared vision for risk management
- Linking Enterprise Risk Management to the culture
- Ensuring performance - efficiency and effectiveness
- Enabling the risk management process with technology
This presentation discusses and addresses one of the biggest challenges in healthcare today – how to enable your health system to adequately cope and deliver to the baby boomer generation.
– Understand the impact of aging boomers on America's healthcare system, both as patients and employees
– How to best leverage and focus your process efficiency programs to help minimize the impact of aging boomers
– Augment your understanding of how to manage health programs, such as Medicare, effectively to improve patient care without increasing costs
In this presentation, Joseph Campos of Children’s National Medical Center discusses healthcare and laboratory testing using Lean, and the 5 Lean principles that apply to the laboratory. He shares three case studies from his lab: microbiology lab workload and staffing data, microbiology incoming work cell and automated culture plate inoculation. Joe also discusses the difference between and traditional approach to microbiology testing versus a Lean approach.
In this presentation, Steve Wall of the State of Ohio gives an overview and background of Lean Six Sigma in the Ohio State Government. He details some of the results the state has achieved as well as lesson learned and he shares some next steps and helpful tips.
In the post-reform world of healthcare, payers will be among the most heavily impacted by the new legislation. From new regulations and compliance issues to dealing with potential caps on premiums, payers may already be behind the curve on managing the impact to their business.
Join Guidon Performance Solutions and The Center for Health Transformation to learn more about the complexities of the new legislation and what payers must do now to prepare for the coming change.
Guidon's President and CEO Ron Wince presented a session, "The Shifting Role of Lean Six Sigma in the Age of Turbulence" at the 2010 International Conference on Lean & Six Sigma: Master Your Lean & Six Sigma For Practitioners, By Practitioners.
Businesses are charged with competing in an unpredictable world. One lesson learned from the recent downturn is that no matter what the economic climate is, the key to survival is agility. This requires a shift back to the basics and a focus on creating high performance business processes. In this session, you will learn how to use Lean and Six Sigma to create agile business processes and to position your business to survive today and thrive tomorrow.
For most companies, Selling, General & Administrative (SG&A) costs represent 12-20% of total revenue. With these costs hitting the bottom line directly, many companies are starting to take a closer look at how to reduce SG&A.
Using Lean Six Sigma tools help companies streamline, accelerate and execute significant and sustainable SG&A cost reduction. Attend this webinar to learn how other companies are applying Lean Six Sigma to SG&A cost reduction. Compare two different approaches to SG&A reductions and the advantages/disadvantages of both.
In this webinar, you will learn how to:
* Reduce SG&A by 10-15%
Easily identify and prioritize performance gaps
* Gain a better understanding of end-to-end/cross-functional costs
* Uncover “quick and easy” opportunities
Implement a sustainable methodology
Learn how leading retailers are applying Lean Six Sigma to improve the customer experience.
The webinar will cover “Five Points of Transition” a consumer goes through in a retail environment and how those five transition points can be optimized for efficiency and improved customer experience.
How does your company rate when it comes to the customer experience? Find out how well your company is performing and benchmark with other retailers.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247