Fiserv Case Marketing Strategy MBA 2012-2013
The document outlines Fiserv's goals to improve their e-billing market segmentation, understand customer perceptions, and implement an effective communication strategy without increasing budget. It analyzes the e-billing market potential and identifies customer clusters. The strategy proposes targeting early adopters, maximizers, and self-improvers by addressing their needs and solving communication problems through various marketing approaches.
The Fiserv Consumer Trends Survey is one of the industry's longest running surveys of consumer financial habits. It highlights opportunities for financial institutions to better understand and expand their digital reach to all consumer segments.
Research commissioned by Fiserv shows substantial growth in mobile bill pay offerings and usage. This infographic illustrates the growth in mobile payment and the opportunity for billers to implement a mobile bill pay and presentment strategy.
Expectations & Experiences, the quarterly consumer trends survey from Fiserv, revealed unique insight into people's perceptions about their credit score - and what drives their behavior. This excerpt is from Expectations & Experiences: Channels & New Entrants, 2016. Learn more: https://fisv.co/expectations-channels.
The 2014 Fiserv Boardroom Series Outlook Survey measures the sentiment of senior financial institution executives on the economy, business and IT priorities for the year ahead.The survey was distributed in early Jan. 2014 to the Fiserv Boardroom Series, the 17,000 member-strong thought leadership community for Fiserv clients. Nine hundred senior level executives, ranging from community banks and credit unions to those at institutions with greater than $30 billion in assets, responded to the survey.
How are people managing their finances?What tools and services would make their lives easier? The quarterly consumer trends survey from Fiserv provides answers and insights.
Meeting the Billing and Payment Needs of MillennialsFiserv
The millennial generation is coming of age, taking on more financial responsibility and beginning to flex their financial and social muscle. Billing organizations must know how to serve and satisfy millennials’ unique billing and payment practices and preferences.
Webinar Replay:
http://fisv.co/millennial-payments-webinar
Research Paper:
http://fisv.co/millennial-payments-research
The Fiserv Consumer Trends Survey is one of the industry's longest running surveys of consumer financial habits. It highlights opportunities for financial institutions to better understand and expand their digital reach to all consumer segments.
Research commissioned by Fiserv shows substantial growth in mobile bill pay offerings and usage. This infographic illustrates the growth in mobile payment and the opportunity for billers to implement a mobile bill pay and presentment strategy.
Expectations & Experiences, the quarterly consumer trends survey from Fiserv, revealed unique insight into people's perceptions about their credit score - and what drives their behavior. This excerpt is from Expectations & Experiences: Channels & New Entrants, 2016. Learn more: https://fisv.co/expectations-channels.
The 2014 Fiserv Boardroom Series Outlook Survey measures the sentiment of senior financial institution executives on the economy, business and IT priorities for the year ahead.The survey was distributed in early Jan. 2014 to the Fiserv Boardroom Series, the 17,000 member-strong thought leadership community for Fiserv clients. Nine hundred senior level executives, ranging from community banks and credit unions to those at institutions with greater than $30 billion in assets, responded to the survey.
How are people managing their finances?What tools and services would make their lives easier? The quarterly consumer trends survey from Fiserv provides answers and insights.
Meeting the Billing and Payment Needs of MillennialsFiserv
The millennial generation is coming of age, taking on more financial responsibility and beginning to flex their financial and social muscle. Billing organizations must know how to serve and satisfy millennials’ unique billing and payment practices and preferences.
Webinar Replay:
http://fisv.co/millennial-payments-webinar
Research Paper:
http://fisv.co/millennial-payments-research
In September 2014, CG surveyed 1,005 U.S. consumers online and conducted qualitative phone interviews with ten financial services executives at the top 20 U.S. financial institutions, to understand how mobile banking and the shift of mobile device size (tablets getting smaller, smartphones getting larger) will influence how Americans do their banking in the 21st century. This presentation details the findings of this research.
To receive a copy of the white paper, due out in March 2015 please email insight@cgcginc.com. For more information about CG’s Digital Practice please visit https://www.carlisleandgallagher.com/insights/research-insights or follow #CGDigital on Twitter.
DailySocial in cooperation with JakPat has conducted a survey on non-Credit Card Installment Programs for e-commerce transactions among Indonesian consumers. Our survey has found that although only a small percentage of Indonesian online consumers currently have a credit card, quite a number of consumers have taken advantage of non-Credit Card installment programs.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
For providing outstanding customer experiences digitally, banks need to continuously innovate and transform their traditional siloed channels and communication systems into an Integrated multi channel digital environment empowering stakeholders. To succeed, banks need an Enterprise Mobility Strategy. Capgemini with its deep domain expertise in financial services along with experience of designing and implementing mobile strategies for global organizations can help the clients with end-to-end mobile capabilities to enhance customer experience, identify new revenue streams, reduce costs and improve operational efficiency.
Digital Finance and Innovations in Education: Workshop ReportCGAP
CGAP’s Digital Finance Plus initiative convened a workshop in Nairobi on 7 April 2016 aimed at bringing together stakeholders interested in the opportunities for digital finance to improve the affordability of education for low-income households. This document captures themes from the workshop presentations and design thinking session.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
Did you know activating e-bills can be a great tool to boost customer loyalty and profitability for your organization? Did you know social media promotion can increase e-bill adoption? Learn how social media can be the perfect tool for billers to promote e-bill adoption and more in this infographic from Fiserv.
Presentation Only: Case Study for Implementing Successful eBilling StrategiesJOSH CARROLL
This is the presentation of a live webinar held by Plymouth Rock Assurance, Striata, and Western Union Payments entitled, "A Case Study for Implementing Successful eBilling Strategies"
In September 2014, CG surveyed 1,005 U.S. consumers online and conducted qualitative phone interviews with ten financial services executives at the top 20 U.S. financial institutions, to understand how mobile banking and the shift of mobile device size (tablets getting smaller, smartphones getting larger) will influence how Americans do their banking in the 21st century. This presentation details the findings of this research.
To receive a copy of the white paper, due out in March 2015 please email insight@cgcginc.com. For more information about CG’s Digital Practice please visit https://www.carlisleandgallagher.com/insights/research-insights or follow #CGDigital on Twitter.
DailySocial in cooperation with JakPat has conducted a survey on non-Credit Card Installment Programs for e-commerce transactions among Indonesian consumers. Our survey has found that although only a small percentage of Indonesian online consumers currently have a credit card, quite a number of consumers have taken advantage of non-Credit Card installment programs.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
For providing outstanding customer experiences digitally, banks need to continuously innovate and transform their traditional siloed channels and communication systems into an Integrated multi channel digital environment empowering stakeholders. To succeed, banks need an Enterprise Mobility Strategy. Capgemini with its deep domain expertise in financial services along with experience of designing and implementing mobile strategies for global organizations can help the clients with end-to-end mobile capabilities to enhance customer experience, identify new revenue streams, reduce costs and improve operational efficiency.
Digital Finance and Innovations in Education: Workshop ReportCGAP
CGAP’s Digital Finance Plus initiative convened a workshop in Nairobi on 7 April 2016 aimed at bringing together stakeholders interested in the opportunities for digital finance to improve the affordability of education for low-income households. This document captures themes from the workshop presentations and design thinking session.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
Did you know activating e-bills can be a great tool to boost customer loyalty and profitability for your organization? Did you know social media promotion can increase e-bill adoption? Learn how social media can be the perfect tool for billers to promote e-bill adoption and more in this infographic from Fiserv.
Presentation Only: Case Study for Implementing Successful eBilling StrategiesJOSH CARROLL
This is the presentation of a live webinar held by Plymouth Rock Assurance, Striata, and Western Union Payments entitled, "A Case Study for Implementing Successful eBilling Strategies"
We all know e-bills are better for the planet, reduce clutter and cost less than traditional paper bills. But did you know e-bills produce higher customer satisfaction, loyalty and profitability?
And yet only 23 percent of bills sent in the U.S. are sent electronically, despite customers’ growing acceptance of going paperless.
How will you drive e-bill adoption for your organization in 2015?
In this presentation:
• The latest data on e-bill trends and penetration rates across industries
• The hidden opportunities for growth and strategies to advance e-bill adoption
• How mobile bill pay and alerts are driving e-bill adoption
• How e-bill distribution through banks leads to lower payment costs and higher customer satisfaction
QA Interview Questions With Answers from software testing experts. Frequently asked questions in Quality Assurance (QA) interview for freshers and experienced professionals.
In this file, you can ref interview materials for qa such as, qa situational interview, qa behavioral interview, qa phone interview, qa interview thank you letter, qa interview tips …
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
o enable a superior customer service experience in the multi-channel environment services and communication must be consistent and identical offers need to be made available to the same customer via different channels. Banks that can achieve this can expect a higher customer engagement. To make this happen Banks (Issuers) need to re-look at their operating models to make it leaner and more meaningful for their customers. Effectively, the times are a changing and the Banks need to keep up with changing playing field.
Beyond Payment - E-Commerce Trends and Payment Challenges for Online Merchant...Lawrence Cheok
Written with e-commerce finance professionals in mind, this paper provides insights and recommendations for businesses interested in expanding their e-commerce operations internationally. It relates to online merchants needing to look beyond the web front-end and consider additional factors like back-office operations and banking infrastructure. Payment options discussed include e-wallets and mobile wallets, e-banking, and escrow payments, which are gaining favor in developing markets like China
Digital Banking: Enhancing Customer Experience; Generating Long-Term Loyalty ...Cognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels and begin making meaning from valuable trails of digital information.
U.S. Retail Banking: Prescriptions for Channel Integration and BeyondCognizant
To achieve the dual goals of satisfying tech-savvy customers and boosting the bottom line, banks must first lay the foundation for integrated channels and fulfillment processes. Here is how they can embark on this two-laned path.
BSI team recommends technologies from Teradata Aster and Aprimo, a Teradata company, for better marketing via event-based Marketing, GoldenPath Analytics, and Attribution/Digital Marketing Optimization.
Building a sustainable business model for the mass retail clients, v2 june 2013Kevin Chetty
Kevin Chetty, focusing on building a sustainable Mass Retail Bank business model. Creating an ecosystem of interdependencies, helps entrench a sustainable model. The focus is on delivering a low cost business model.
Rebooting the branch: Branch strategy in a multi-channel, global environment.Luis Del Castillo
The rise of the digital consumer and the high-cost infrastructure of physical banking locations are leading to a declining ROI for branches.Evolving the branch strategy to align with changing consumer and economic realities can help banks boost ROI and position themselves for the future.
Cashing in on Mobile Payments with a Winning StrategyPerficient, Inc.
Is your organization ready to execute on new thinking in payments? Does your infrastructure accelerate time-to-market for new services? The boom in smart phone sales and mobile usage is changing the way consumers pay for products and gain access to new banking services.
Perficient will help you navigate these paradigm shifts and address the technologies reshaping the payments ecosystem that will drive your digital strategies. You'll learn about:
A holistic view of the payments value chain - banking and retail
A technical review of evolving payment architectures
How you can provide innovative service utilities for greater consumer adoption
Framework enablers to support rapidly growing transaction volumes
Adapting your existing payment models to support the omni-channel experience
Enhancing the Utility Customer Experience: A Digital FrameworkCognizant
For utilities organizations, providing a digitally enhanced customer experience and journey is essential to remain competitive in the world of new age energy prosumers.
I brand storici del mondo dell'integrazione in farmacia Rekord B12 Plus (Vitamina B12 e carnitina - tonico) e la Brand Line Fish Factor (integrazione tecnica per tendini e legamenti, articolazioni, cuore) tornano con un progetto dedicato ai nati della Generazione X. Scopri di più sul sito http://www.fishfactor.it/
Leaflet consumatore test di gravidanza su sangue First to Know®Eleonora Stentella
Direttamente dagli USA arriva anche in Italia, First to Know®, il primo test per autodiagnosi su sangue capillare che consente di sapere, nella privacy della propria abitazione, se si è incinta. Il test è distribuito in Italia dalla Welcome Pharma SpA nelle migliori farmacie.
Per saperne di più visita il sito https://firsttoknow.eu/ o leggi l'articolo su https://www.periodofertile.it/gravidanza/first-to-know-test-gravidanza-sul-sangue-casa
Nuovo lancio per la linea #dermo #cosmetica Idisole.it 2019.
La linea solare prevede diversi livelli di protezione per diverse esigenze cutanee. Tra le novità assolute la linea per il Non-melanoma skin cancer e la linea Kids.
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Tosolini, Lamura, Rasile & Toniutti LLP is an international #Law #Firm with Offices in New York, Miami, Los Angeles, Rome and Milan. The Firm was formed by the union of highly distinguished international attorneys, trained by top-tier schools and prepared by significant professional opportunities in the United States and Italy.
Concentrating in the practice of international business law, lawyers at Tosolini, Lamura, Rasile & Toniutti LLP have an extensive experience in the administration of international legal issues, including, among others, corporate, commercial, finance, litigation, immigration, family, real estate, estate and trust and tax law.
Do you want to know more? Visit the web site of the Law Firm http://www.tlrtlaw.com
Attestato corso marketing internazionale & internazionalizzazione di impresaEleonora Stentella
Attestato corso in marketing internazionale e internazionalizzazione di impresa rilasciato dalla Regione Umbria e ideato mediante il Fondo sociale europeo
Studio del concept e delle proposte grafiche per la campagna di tesseramento del Movimento per la decrescita felice meglio noto come MDF. MDF ha sedi e circoli a livello nazionale e il suo scopo è quello di promuovere stili di vita e concetti economici alternativi all'attuale sistema basato solo sulla finanza. Esponente di punta del movimento è il saggista e leterato Maurizio Pallante che, insieme allo studio Latouche sono stati tra i primi a formalizzare il concetto di decrescita in Europa. Il movimento è costituito da attivisti e volontari impegnati quotidianamente in progetti e iniziative che vanno dalle politiche ambientali all'autoproduzione.
Scopri di più sul Movimento per la decrescita felice cliccando sul link che segue: http://decrescitafelice.it/
Brochure di presentazione di alcuni dei servizi offerti dal Poliambulatorio specialistico del Gruppo Salvati a Terni (Piazza del Mercato, 61 - 05100) Scopri di più sl sito http://www.salvatidiagnostica.it/pacchetto-igiene-haccp/
Brochure di presentazione di alcuni dei servizi offerti dal Poliambulatorio specialistico del Gruppo Salvati a Terni (Piazza del Mercato, 61 - 05100) Scopri di più sl sito http://www.salvatidiagnostica.it/dove-siamo/
Brochure di presentazione di alcuni dei servizi offerti dal Poliambulatorio specialistico del Gruppo Salvati a Terni (Piazza del Mercato, 61 - 05100) Scopri di più sl sito http://www.salvatidiagnostica.it/dove-siamo/
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
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Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
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Marketing case fiserv
1. Fiserv Case
Marketing stretegy MBA
2012-2013
- Valentino De Girolamo
- Eleonora Stentella
- Matteo Turchetti
- Vincenzo Di Lecce
- Filippo Antonio Pisano
2. Introduction
Goals to reach
• Make a good market segmentation to define how to
invest and to which customers
• Understand consumers perceptions and modify their
approach to e-billing
• Implement an effective communication strategy without
increasing the budget and maximizing the results.
Customers definition
• Direct customers : billers and banks
• Undirect customers: end users
3. Market potential and prevision
We estimate that the realistic market Growth scenario: comparison between
available, in USA 2009, could be electronic payment systems and e-billing
7.224.000.000 $ based on the fact that penetration. Trends assumptions
there is a direct relatinship between according to first possible scenario after
electronic payment systeme penetration the new customization strategy.
and e-billing development.
• the population is 86M (“onliners”)
• € 60.200.000,00 (70% of “online
consumers”) use electronic bill
payment
• less then 20% use e-billing to watch
bills (€ 17.200.000,00)
• frequency (recive bill): 10 times a
month
MARKET POTENTIAL
è OUR FUTURE GOAL:
10.320.000.000 $
6. Targeting the clusters
• E-Savvy • We identify 3 effective segments of market for
( 19,7% market share of bank transactions ) our business: E-Savvy Planners,
- Identified as possibile early adopters and Maximizers, Self Improvers.
pioneers
- Already users of financial software Percentage of clusters over
- Seek fast and efficient ways to manage bills total onliners population
- Main Implication: less costs in switching from Paranoids Desperates
paper billing to e-billing, high growth
Convenience Seekers Self Improvers
opportunities
Maximisers ESavvy
• Maximisers
( 27,1% market share of bank transactions )
- Comfortable with new technology 8,90%
- Highest percentage of Market Share 12,30%
- Main implications: highest growth opportunities, 16,90%
identified as possible market influencers.
13,70%
• Self-Improvers
( 13,3% of bank transactions ) 27,10%
- Do not believe they have a good system for bill 20,60%
management
7. Communication problems to be solved
according to focus group results
QUESTIONS SOLUTIONS
• “Who sends the e-bill? The bank • All the campaign will be driven by
or the company I have to pay?” banks and billers using e-mail or
outbound marketing trougth call
• “Can I sign up for e-billing through
centers.
my bank or do I have to ask alla
the individual companies?” • Customers could subscribe the
service by just signing an e-mail
contract with the bank.
• Show the economic benefit of e-
• “What exactly is the benefit of e- billing increasing also the price
billing?” of paper bill in order to increase
the spread between the two.
• Create a specific price for mix
end-users (change the markup) to
reduce time of conversion.
8. COST ANALYSIS: all paper end users
• Total onliner population: 89M
• E-billing mix users (20% of tot. Onliners): 17,8M
• Paper bill cost each bill 1,25 $
Assumption:
We consider just the variable cost according to the Case.
We estimate the markup must be at least 15%, the minimum value at which we could cover the risk
and parts of the adverstising cost (not yet defined in the case but important for future evaluation).
• Bank/billers tot unit cost per end-users a month: 12,5 $
• Minimum monthly price for end-users with markup 15%: 14,375 $
• Annual end-users subscription: 172,5 $
BANK/BILLERS CONVERTION COST
• Average cost to convert all paper billing consumers in exclusive e-billing consumers 4,50$ per
consumer
• Average cost to convert all paper billing consumers in e-billing consumers $2,00/customer
9. COST ANALYSIS: e-billing mix end users
• Tot. Onliner population: 89M
• E-billing mix users (20% of tot. Onliners): 17,8M
• Paper bill cost each bill 1,25 $
Assumption:
Mix end-users receive, on average, 10 bills/month: 5 electronic ( 1 electonic è 1 view ) and 5 paper*
• E-billing service: monthly cost/customer: 0,125 $
• Paper bill monthly cost/customer: 6,25 $
• Bank/billers tot unit cost per end-users a month: 6,375 $
• Minimum monthly price for end-users with markup 15%: 7,33125 $
• Annual end-users subscription: 87,975 $
BANK/BILLERS COST SAVING
General saving for consumers who no longer recived the paper bill: 45% = 2,86875 $ each
consumer + call center cost saving 2-4$ (median 3$) = 0,506225** $ cost/end-user
Average cost to convert both paper and e-billing consumers to turn off the paper $1,50/customer
• For customers that recive both electronic and paper bill.
• ** Compare to next slide
10. COST ANALYSIS: e-billing only end users
• Tot. Onliner population: 89M
• E-billing mix users (20% of tot. Onliners): 17,8M
• E-billing cost for consumers which turn-off the paper: 0,40 $/month
Assumption:
End-users receive, on average, 10 bills/month.
• E-billing service: monthly cost/customer: 0,40 $
• Bank/billers tot unit cost per end-users a month: 0,40 $
• Minimum monthly price for end-users with markup 15%: 0,46 $
• Annual end-users subscription: 5,52 $
Conclusion:
• The cost analysis show that turn-off the paper is convenient both for banks/billers (which can create
different subscriptions according to different markup ) and end-users. The strategy should be
creating according to the elasticity of the market to the prices as reported into the Case.
“By 2009 electronic bill payment was gaining wider acceptations, with penetration given by
convenience over traditional payment methods, saving on postage and improved perseptions
of payment secutiry”
11. STRATEGY
Meet an important “SET OF NEEDS FOR AN IMPORTANT SET OF CUSTOMER”.
Short term Long term
1. CUSTOMER VALUE MANAGEMENT 4. Operation : “REMIND ME”
from customers satisfaction to It’s a long term phase; we think the
customer loalty Direct targeting of customization of our clients is not only
customer which are already using regarding the short term.
elettronics and paper bill service (mix). We suggest to invest in a new type of
The conversion cost is estimated at 1,5$/ integrated service which could include:
customer, less then other convertion. Payment transactions; e-billing and a
2. ACQUISITION: finding new clients memorandum. The service could be built
Send e-mails to internet profiled users using a simple platform for modular
presenting the “Become e-billing end- innovation and promoting using e-mail and
users” campaign with specific benefits. outbound marketing (call center).
3. Present OUR offer to OUR target
Specific advertising campaign : links, web
site, brochure, social network, call center.
13. APPENDIX
Answers to the professor questions
QUESTION N.1
• Positive and negative issue judgment about segmentation
We believe that the segmentation shown in the Case did not present some important
points related to the market. The first is the one directly connected to the price elasticity
of the market. In the case is written that the positive result obtained by Fiserv’s online
payment system was due to the direct saving for customers. In this segmentation there
are no informations related to this point so that we cannot understand also which type of
economic risk customers will perceive when we will present the opportunity to shift from
the bill paper to e-billing.
We cannot understand also what is the final goal that people want to rich using internet
devices to make payments and do transactions (terminal value).
14. APPENDIX
QUESTION N.2
• What your choice of targeting?
As already shown in the cost analysis slides we decide to consider not just one segment
but 3 of them. The reason is very simple to understand. The new product (e-billing) is
answering to the real needs of just two simple of cluster (E-Savvy and Self improvers),
which are looking for “better system” to cut time and better organize the bill, but just
the first cluster doesn't have a high risk perception due to the internet security
problem. There is also another problem related to this case. The bad results shown in the
past make us thinking that is not correct to invest only in a specific target because we
still don't know if the perceived benefits of the product are enough strong to
generate a profitable buzz (world of mouth). For the new strategy it will be better to
have one cluster of early adopter, one cluster as followers searching for both
convenience and better bill management system and one cluster that, even if doesn't
need the new system, could be involved to generate profit in the medium run.
We will use the early adopter (E-Savvy) to cover the initial advertisting costs and we will
use the positioning to the Maximizers (III group) to increase the buzz when the product
will be ready to answer both explicit and implicit needs that are still on stage (in the
text it is clear that customers are looking for mainly a reminder system bill )
15. APPENDIX
QUESTION N.3
• How do you think is better to convert the target?
According to the informations written to the Case, we already know that the target
market as high price elasticity. We decide to convert the target using different type of
approaches. For customers that already use e-billing (mix customers) we will just present
our best price offer using the range of possibility shown by the markup valuation (e-billing
will be always more convenient even if we increase the markup). For mix users we will
just use the outbound marketing and e-mail marketing. Same marketing strategy,
related to price, we will do to convince the 2 targets of E-Savvy and Self Improvers.
For the Maximizers we will use another approach. People inside this cluster believe that
already have a good bill management system so we will have less possibility to get their
attention using just the price formula. For them we will use another type of marketing
strategy. Because they are financial "influencers" into the market we will crate a specific
campaign to test the product and gain money to write technical and behavioral
review about the product itself. To introduce the campain we will use link-building
strategy and social media marketing; banners and specific landing page connected to the
bank's or billers' website
16. APPENDIX
QUESTION N.4
• Which is the role and involvement of the merchant in a BtC through B
approach?
It is a strategic rule because it base to create a sort of bridge between to difference
needs. In this case Fiserv is playing the master rule because through the final customers
(end-users) it could increase the banks/billers benefits and also its own revenues. We
believe that in this specific Case the most important issue to take into account is the
price setting. Making the right price for the service to the bank will help to find the better
strategy for the end-users. If the banks or the billers could have more flexibility in
changing from one markup to another (bacause they still have margin due to a
competitive service price setting by Fiserv) they could create more subscriptions’
promotion strategy according to the demand elasticity.