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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
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 what'sapp number of my personal pi merchant who i trade pi with.
Message: +12349014282 VIA Whatsapp.
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when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
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 what'sapp this number below. I sold about 3000 pi coins to him and he paid me immediately.
+12349014282
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
+12349014282
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1. 46 Issue 43 | Quarter Three 2013
Merging is
no horseplay
Two million customers, 8500 employees, over 400 IT systems, two very
different brands and a thousand ways that it could have gone very wrong.
But, despite inevitable niggles, by any measure it was a smooth transition
– the result of strong leadership. Amanda Schaake speaks with ANZ New
Zealand CEO David Hisco on integrating the ANZ and National banks…
FEATURE
2. 47Issue 43 | Quarter Three 2013
T
he most important phone call of David
Hisco’s career came just after lunchtime
on October 27 last year. At the other end
of the line was ANZ’s chief operating
officer Craig Sims. After two years of planning and
build work by a team of hundreds of specialists
across three countries, New Zealand’s biggest
Information Technology integration was as ready as
it would ever be.
“Permission to go, Mr Hisco?” Sims asked the
ANZ CEO.
The stakes were high. ANZ, New Zealand’s largest
bank, was moving more than 2.6 million customer
records, 80 million transactions and $46 billion in
funds onto a new IT system. With about half of all
Kiwis having a financial relationship with one of
ANZ’s brands, the effect of getting it wrong would
be felt across the economy.
But as he gave the green light for the conversion
to proceed, Hisco was confident. “In the lead up
to the change we kept going back to the six Ps,”
he says. “Proper prior planning prevents poor
performance.”
The IT integration was the successful conclusion
to one of the biggest changes in the New Zealand
financial sector in at least a decade.
A month earlier Hisco had announced that ANZ
would be bringing the ANZ and National Banks
together – in brand and in infrastructure.
Banks are, by nature, big and conservative
organisations. They don’t make change for the
sake of it and don’t usually have a reputation for
innovative leadership.
But Hisco, 49, had arrived in New Zealand as
ANZ’s new CEO in 2010 with a reputation for
making the hard calls. On a previous stint in New
Zealand in the 1990s he sorted out UDC Finance
and in Australia, he turned asset finance arm
Esanda into a sustainably profitable unit. Strong
strategy, backed up by clarity of message and
ruthless execution.
Merging ANZ and National Bank had been on
the cards since ANZ bought the brand from Lloyds
TSB in 2003. National Bank was a much-loved
brand, well regarded for its strengths in customer
service and internet banking.
At the time it was thought that operating the two
brands would enable better market segmentation,
capturing a greater share of the market. But over
time the combined market share dropped from
about 40 percent to about 30 percent.
“We had the ridiculous situation where we
had branches across the road from each other
with the brands competing against each other
for customers and forgetting we had the same
shareholder,” says Hisco.
“The onset of the global financial crisis in 2008
showed that this strategy left us exposed. At a time
when banks in Europe and the US were falling over,
we realised that it was vital for us to be as strong
as we could be – and we couldn’t do that with
two brands and all the duplication and cost that
brought with it.”
“The natural advantage we had of size and scale
wasn’t being used.”
The road to simplification
The strategy was to be New Zealand’s best bank
by radically simplifying the business, stripping
out duplication and focusing resources where
they could be most effective in delivering better
products and services for customers, achieving
efficiencies, improving technologies, and making
the bank lighter on its feet to respond to a rapidly
changing banking environment.
Such fundamental change required the buy-in
of about 1.7 million customers, more than 8000
staff, government and regulatory officials, media,
unions and influencers. It also needed a leadership
style that included a clear vision, an ability to
engage across a wide range of groups and an
understanding of the deep links people had with
the brands.
Moving such a large group through a change
curve couldn’t be done single-handedly so a
decision was taken early to have a de-centralised
approach of engaging local leaders and managers.
They – and not head office – were going to be the
agents, the ambassadors, of change.
“If you want to deliver something big you have to
trust your leaders,” Hisco says.
“Having spent much of my career outside of
head office, I’m well aware of what can happen
when head office rolls out initiatives without proper
engagement with the front line. You might get a
result but you’ll never really ignite a workforce from
behind your desk.
“In all honesty, some days I did feel a bit out of
control, but the sheer scale of the change meant
we needed to de-centralise our engagement
approach.”
Hisco understood that the strong relationships
the brands had with their customers were forged
and maintained in the branches.
“The relationships customers had with the people
behind the counter, the people they saw every
week at kids’ sports, and who they turned to for
advice, was stronger than the colour blue or green.
These relationships transcended brands because
they were personal, and they are at the heart of an
organisation such as ours.
“Having customer-facing staff engaged and
believing in the change was vital. They – and not
head office – had to be the heroes of our change.” ››
“ Proper prior
planning prevents
poor performance. ”
David Hisco, CEO, ANZ New Zealand,
on the six Ps
3. 48 Issue 43 | Quarter Three 2013
Sharing the vision
The de-centralised engagement approach is
one that builds on research by Towers Watson
(Towers Watson and Tom Lee, Arceil Leadership
Communications). According to the management
consulting firm, employees receive 61 percent of
their information from leadership, 32 percent from
systems and processes and only seven percent
from formal corporate media.
The role Hisco and his executive team took was
laying the groundwork. They covered the length
of the country stopping at branches to meet
the teams. They hosted road shows across the
country’s main centres (open to all staff, not just
management) to share their vision for the change
and to take time to listen to front-line staff’s
concerns and questions.
These sessions provided the first opportunity
for many ANZ and National Bank employees, who
had previously been deliberately kept apart, to
meet.
“Some of our people had been living two doors
down from each other for years and working
across the road with a different coloured sign
above the door, and they didn’t know each
other,” Hisco says. “Once they started talking to
each other they could see the benefit of working
together. Sure, some people were really loyal to
their own brand but when the majority are in
favour of getting on with the change they help the
others to get on board with it.”
With the National Bank brand on license
from Lloyds, and that license about to expire,
employees had lived with the prospect of a brand
change for some time. For many, the realisation
that change was coming was a relief.
“I was pleasantly surprised. A lot of our teams
just wanted us to make things happen. When we
met the staff the overriding message they gave us
was they were up for the change and just wanted
us to get on with it.
“People smell indecision in leaders – it
undermines you and the organisation.”
Talking change, believing in success
That early engagement led to a catch 22 of sorts.
While the brand change had been rumoured for
some time, preparation work for the ANZ board’s
decision had to be kept within a tight circle to
prevent competitors taking advantage.
Early engagement with leaders across the
organisation meant non-disclosure agreements for
100 staff, but in the final week before the change
that grew to a few thousand staff as branch
managers were briefed. Hisco believes the fact so
many people kept schtum so long was a testament
to the fact they had bought into the vision and
wanted the brand change to be a success.
What happened next was an accomplishment
in logistics. Briefing packs were provided to all key
leaders and relationship managers to guide them
through potentially difficult customer conversations.
The leadership team conducted phone conferences
and online chat sessions with all staff.
In the 24 hours after the brand announcement,
relationship managers made more than 100,000
phone calls to their key customers to talk through
the change. Over 8000 hours were spent holding
direct conversations with customers.
Hisco credits his optimistic leadership team
with turning those potentially difficult telephone
conversations into relationship-building
opportunities. In addition, the outcome of the calls
was not just customer awareness of the brand
change, but an increase in product sales.
The brand announcement was swiftly
followed by ad campaigns and relentless internal
communications sharing the success stories.
“We developed the plan and made our decisions
based on 30 years of banking intuition,” Hisco says.
“I changed the leadership team early on so we
have the right team in place and then we put in
the ground work to get closer to the front-line to
understand what the change meant for them. Staff
can see straight through the crap. They just wanted
us to make decisions, be as open as we could be
with them and get on with it.”
Teething problems
A month later, the ANZ and National Bank
IT systems were merged. Such an epic change
FEATURE // MERGING IS NO HORSEPLAY
“ If you want to deliver
something big you have
to trust your leaders. ”
David Hisco, CEO, ANZ New Zealand
4. 49Issue 43 | Quarter Three 2013
didn’t occur without a few issues. Most core
system changes take around two years, but the
original plan was to merge the systems in late 2011
meaning the project would complete in under a
year. The tight deadline galvanised many in the
organisation into action, but it became clear as
the deadline approached that much more testing
needed to be done.
The drive to act as quickly as possible meant
conflicts in priorities between New Zealand and
Australian IT teams were overlooked, corners were
being cut, planning wasn’t as thorough as it should
be and there was a lack of leadership in key parts of
the programme.
Hisco and the team made the tough call to halt
the merger.
The business regrouped and entered a stage of
re-planning - strengthening resources in key areas,
enhancing risk management and making changes
to the project team. The changes, although adding
intense pressure, paid off when the migration took
place with almost no loss in system availability.
Combining the best of both banks
As expected, competitors tried to take advantage
of the brand change to poach National Bank
customers. ANZ was ready for this, to the point
where its marketing team had prepared a series
of fake competitor ads to show teams what they
might be up against. And counter-attack plans were
developed by the bank.
Despite fierce targeting by competitors, ANZ has
minimised customer losses and avoided a dive in
staff morale seen in many corporate mergers. In
fact deposits and lending market share increased
in the first quarter of this year, there has been
no significant increase in staff turnover and staff
engagement remains at all-time highs.
“We run a group engagement survey annually
and measured employee sentiment regularly
before, during and after the migration. It was by far
the largest period of uncertainty and change and
yet our people were supportive of the change. They
told us that it felt like things were on the move and
the bank was making progress. And we could see
this in their behaviour.
“Communication and feedback from the front
line was more open and frequent and new product
sales were up.”
So if getting leadership out from behind their
desks was a key success factor for ANZ, how does
Hisco feel it went?
“It was brilliant,” he says. “I’m actually really proud
of my executive team who took real accountability
for their individual work streams; they got out there
and got the job done without fuss. And I’m even
more proud of our front-line people. They stood up
to the fight, stood up to all the negative media and
they held onto our customer base. They didn’t do
it because of the sign above the door but because
they wanted to defend their turf and they’re loyal to
the customer.
“You can’t ask for better than that really.”
This article originally appeared in New Zealand
Management magazine’s July 2013 issue.
Integration
by numbers
One management structure
• 8500 employees and 17,000
shareholders in New Zealand.
• More than 130,000 training hours for
staff members.
• No dip in employee engagement levels.
One customer approval process
• 2.4 million customer letters to advise of
change.
One product set
• Over 320 products simplified to under
100 core items.
One brand
• 2.6 million customer records.
• 500,000 security records.
• 80 million transactions.
• $46bn funds under management.
• No loss in market share and customer
numbers.
One technology system
• 290 pre-integration system updates
released.
• 37,000 test scripts.
• Four dress rehearsals and one back-out
rehearsal to get migration right.
• Over 400 core systems simplified down
to 270.
• The bank was balanced to the cent.