Mobile Banking refers to provision and an ailment of banking- and financial services with the help of mobile telecommunication devices. The scope of offered services may include facilities to conduct bank and stock market transactions, to administer accounts and to access customized information.
According to this model mobile banking can be said to consist of three inter-related concepts:
Mobile accounting
Mobile brokerage
Mobile financial information services
This is about strategies of ICICI bank in Indian and global banking industry, which made ICICI bank one of the best private sector bank in India with significant presence in global cities.
This is a project on Bkash Bangladesh. It is a sister concern ob Brac Bank. The data's might not be 100% correct but the way it is written, will definitely be helpful to all.
This is about strategies of ICICI bank in Indian and global banking industry, which made ICICI bank one of the best private sector bank in India with significant presence in global cities.
This is a project on Bkash Bangladesh. It is a sister concern ob Brac Bank. The data's might not be 100% correct but the way it is written, will definitely be helpful to all.
Learning categorizes you and practicing on that learning specializes you”. Theoretical concepts taught and discussed in the classroom prove useful if they have to remain relevant. Practice orientation of management student is must generating competence to deal with issues at grass root level it is for this reason that one month training project study is prescribed as apart of syllabus for MBA Degree in Pune. This training is the mode of imparting practical training to the student. The objective is to provide a deep insight into practical aspects of the functioning of the organization. The train apprises the student to the actual function, responsibility and problem faced by an organization. It provides him with the knowledge of the various kind of problem that crop up in the day to day functioning of the organization .The way they are solved by the departments and appraisal of the crucial decision taken by the manager at the crucial time.
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Analyzing promotional strategies on ACI pure salt (internship report)Jamil Ahmed AKASH
It is complete internship report to prepare on the period of 3 months when I work as a market auditor. It can help to other intern to prepare a report.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Learning categorizes you and practicing on that learning specializes you”. Theoretical concepts taught and discussed in the classroom prove useful if they have to remain relevant. Practice orientation of management student is must generating competence to deal with issues at grass root level it is for this reason that one month training project study is prescribed as apart of syllabus for MBA Degree in Pune. This training is the mode of imparting practical training to the student. The objective is to provide a deep insight into practical aspects of the functioning of the organization. The train apprises the student to the actual function, responsibility and problem faced by an organization. It provides him with the knowledge of the various kind of problem that crop up in the day to day functioning of the organization .The way they are solved by the departments and appraisal of the crucial decision taken by the manager at the crucial time.
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Analyzing promotional strategies on ACI pure salt (internship report)Jamil Ahmed AKASH
It is complete internship report to prepare on the period of 3 months when I work as a market auditor. It can help to other intern to prepare a report.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
In May 2018, I was selected by honorable faculty of North South University, Mr. Omar Nasif Abdullah to lead the effort to change promotional strategy of Rocket Mobile Banking. During this project, I had put emphasize on challenges, current target market and positioning, selecting a new target market and new positioning, new campaign theme, fixing campaign objectives, identifying major characteristics of objective setting and usage of appeals and rationale while making new TVC and poster for Rocket Mobile Banking. This project was a successful one, and my work was praised by my mentor Mr. Omar Nasif Abdullah. This project can help to produce competitive advantage for Rocket Mobile Banking.
This presentation by the UK Competition & Markets Authority was made during a workshop on “Regulation and competition in light of digitalisation” held by the OECD in Paris on 31 January 2018. More papers and presentations on the topic can be found out at oe.cd/wrcd.
Challenger banks are steadily making a dent in the customer base of the large incumbent banks by offering higher returns and value on their service offerings.
Read more: https://www.cigniti.com/blog/challenger-banks/
Pacific Microfinance Week, is an event hosted by Microfinance Pacifika Network (MFPN) and the Foundation for Development Corporation (FDC) and provides a platform for stakeholders to discuss and share achievements, visions and priorities in fostering the growth of microfinance and financial inclusion throughout the Pacific. Manoj Sharma, Director, MicroSave actively participated in the program where he moderated a session on Global and Asia Region Trends and Initiatives. In this presentation he draws upon the global best practices and focuses on business model alternatives, and builds a case for making a thought through selection of the business model including the front end technology while always keeping the clients’ need at the centre of the business.
Exponential banking: Reinventing Financial Services in a world of Exponential...Vincent Teo
A Point of View on the threat of Fintechs and Neobanks in the Financial Services category and what banks should do to respond and continue to unlock business and customer value and drive growth.
Banks should look beyond just embracing the latest Fintech and look to reinvent themselves as the Exponential Bank of the Future.
This report explores the power of mobile technology in providing low income consumers with access to a wide range of financial products that go beyond simple mobile payments. This work, sponsored by the Bill and Melinda Gates Foundation, aimed to look at distribution strategies and second generation mobile microfinance products via pilots in West Africa and South-East Asia. The number of unbanked or underbanked mobile subscribers around the world is projected to reach ~2 billion by 2012. Today, only around 50 million subscribers use mobile money services. Most of these deployments have been focusing on 1st generation mobile money products such as remittances, airtime top-up, bill payments and loan repayment. The transformational impact of mobile money is expected to come from 2nd generation financial services such as micro-savings, micro-credit and micro-insurance, especially in countries with less than 10% retail banking penetration. Both telcos and financial institutions should benefit from the take-up of these products, as they reap expertise from complementary skills and deliver more value to customers. However, the formula for success is not straightforward. Drawing on their on-site experiences in pilots conducted in West Africa and in South-East Asia in the course of 2010, PlaNet Finance and Oliver Wyman explain the challenges in deploying mobile microfinance and offer strategic and operational solutions.
- See more at: http://ec2-54-247-108-110.eu-west-1.compute.amazonaws.com/blogs/branchless-banking/articles/planet-finance-mobile-banking-report#sthash.G58HPykI.dpuf
MDEC Fintech Conference - A Look into Bank's Fintech Initiatives (RHB)iTrain
Check out the video of this presentation and the rest at www.itrain.com.my/fintech-bootcamp
Interested to get a fintech idea started but don't know how to start? Then join the FREE MDEC Fintech Masterclass on October 3-4. To enter just tell us about your Fintech idea!
Apply here: bit.ly/fintech-master
More information about the complete Fintech Bootcamp: www.itrain.com.my/fintech-bootcamp/
While traditional banks contend with inflexible legacy IT systems, the transformational ones deploy Agile methods to significantly reduce their time to value and make the organization more flexible as a whole.
Transformation is difficult and digital transformation is even harder.
In this ppt u will find information related to operation management in banking and its future scope and Role of Information Technology in Banking and also the Trends in technology in banking.
A Brief discussion on Consumerism and Environmentalism.Rizwan Khan
Consumerism and Environmentalism are often viewed as mutually opposing constructs. While the former emphasizes the accumulation and consumption of material resources, the latter advocates resource conservation and long-term sustainability.
According to Kotler (2008) Consumerism is increasing power of buyers in relation to sellers via organized movement of people and governmental agencies. While Verdant (2011) describing consumerism as: “Consumerism is a pattern of behavior that helps to destroy our environment, personal financial health, the common good of individuals and human institutions.” The critics of marketing and their long-term disadvantages are evidence that personally I think Verdant descriptions of consumerism shows clearly the effects of consumerism on society so that consumerism tries to replace “normal common-sense” with artificial senses that make people to demand their wants.
Inflation is defined as a sustained increase in the general level of prices for goods and services in a county, and is measured as an annual percentage change. Under conditions of inflation, the prices of things rise over time. Put differently, as inflation rises, every dollar you own buys a smaller percentage of a good or service. When prices rise, and alternatively when the value of money falls you have inflation
inflation is a sustained increase in the general price level of goods and services in an economy over a period of time.When the price level rises, each unit of currency buys fewer goods and services; consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy.A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index, usually the consumer price index, over time. The opposite of inflation is deflation
an illegal act for which someone can be punished by the government; especially :a gross violation of law.
crime is an unlawful act punishable by a state or other authority.The term "crime" does not, in modern criminal law, have any simple and universally accepted definition, though statutory definitions have been provided for certain purposes.The most popular view is that crime is a category created by law; in other words, something is a crime if declared as such by the relevant and applicable law. One proposed definition is that a crime or offence (or criminal offence) is an act harmful not only to some individual but also to a community, society or the state ("a public wrong"). Such acts are forbidden and punishable by law.
A company, abbreviated co., is a legal entity made up of an association of people, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Company members share a common purpose and unite in order to focus their various talents and organize their collectively available skills or resources to achieve specific, declared goals.
A company or association of persons can be created at law as legal person so that the company in itself can accept limited liability for civil responsibility and taxation incurred as members perform (or fail) to discharge their duty within the publicly declared "birth certificate" or published policy.
Sound that is unwanted or disrupts one’s quality of life is called as noise. So, Noise is basically any unwanted sound.
In this type of pollution contaminants are not physical particles, but waves which interfere with the naturally occurring waves of a similar type in the same environment.
When there is a lot of noise in the environment it is turned as noise pollution. Sound becomes undesirable when it disturb the normal activities such as working, sleeping etc.
A Brief Discussion on demographic transition theory.Rizwan Khan
Demographic transition (DT) refers to the transition from high birth and death rates to lower birth and death rates as a country or region develops from a pre-industrial to an industrialized economic system.
IT IS GIVEN BY: FrankW. Notestein. Frank Wallace Notestein (August 16, 1902 – February 19, 1983)
The demographic transition theory is a generalized description of the changing pattern of mortality, fertility and growth rates as societies move from one demographic regime to another.
Procter & Gamble Co-A Brief Discussion of P&G.Rizwan Khan
Procter & Gamble Co. also known as P&G, is an American multinational consumer goods company headquartered in downtown Ohio, United States, founded in October 31, 1837 by William Procter and James Gamble, both from the United Kingdom.
P&G announced it was streamlining the company, dropping around 100 brands and concentrating on the remaining 80 brands, which produced 95 percent of the company's profits. P & G serves worldwide (except Cuba and North Korea). It’s slogan is-”Touching lives, improving life”.
P&G’s accomplishments over the past 173 years have come from successfully orchestrating the myriad factors that contribute to market leadership.
At First cake is a very popular trend in food product in Bangladesh because not only as breakfast, cake is also taken by the people at different times for snacks.
That is why we have chosen this as our plan and make a taste fusion about cake and we are hopeful about the marketing plan.
Customer satisfaction Analysis on NCC bank limited.Rizwan Khan
The organization commence its functions in the financial sector of the country as an investment company as named “National Credit & Commercial Bank Limited (NCCBL)” in 1985. For the greater impingement in financial market it coverts as a schedule bank as “National Credit and Commerce Bank Limited” in 1993.
Major Finding
About maximum of the customer rates this services as not satisfactory because of its availability and small array of product range.
Employees are always try to provide service as fast as possible, because Customer is the first priority.
Most of the people from the sample size are quite happy with Bank location of NCC Bank but it is not total satisfaction.
Majority responder are not satisfied with the facilities like ATM or Debit/Credit card.
Most of the responder are satisfied on the NCC bank service. NCC bank employees are firstly think that to provide the customer surety the account.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
United Commercial Bank Limited is one of the traditional banks of Bangladesh. The scope of the study covers the organizational overview and objectives, and Financial analysis of the bank. However, the presentation of the five years at a glance, products and services, total asset position, total liability & shareholder equity and also different analysis & comparison are showed to evaluate the performance of the bank.
A product can be anything that can be offered to the market to satisfy a want or a need.
This article describes the Five Product Levels of Philip Kotler, including examples and a template. After reading you will understand the basics of this powerful product marketing tool. In this article you can also download a free Five Product Levels template.
Migration – the temporary or permanent movement of people from one place to another.
Migration impacts on population change. It is difficult to account for this population change as much migration is illegal and not accounted for. The government often underestimate the number of migrants to help boost support, while the press often overestimate the number of migrants to sell sensational news articles.
Migration is a common phenomenon.The world is shrinking. The world is becoming a global village.Country boundaries and barriers no longer restrict people movement.
Despite some progress in advancing the agenda on aid effectiveness for development results,
trade unions contend that much more needs to be done if the Paris Declaration/Accra agenda for action processes are to move significantly forward in terms of real development effectiveness.
Given the shortcomings of the neo-liberal paradigm that has dominated development policy-making and caused persistent poverty and a huge decent work deficit, trade unions call for a
more comprehensive development paradigm that shifts from aid to development effectiveness.
Development effectiveness is defined by trade unions as the generation of positive social
outcomes in terms of decent work, social protection, social dialogue, respect for human and
trade union rights, gender equality, environmental sustainability, and the enjoyment of decent livelihoods and well being by all. To achieve development effectiveness, trade unions call for the adoption by the Fourth High Level Forum of a Busan Declaration on Development
Effectiveness which should address three major goals:
I) Achieving development effectiveness,
II) Realizing the commitments made on aid effectiveness, and
III) Supporting trade union and CSO’s as development actors in their own right.
The Dove Shampoo Company is the world's leading manufacturer, marketer, and distributor of shampoo, with world headquarters of the Globe Dove Shampoo, the leading brand in the Shampoo segment in Bangladesh, is now being sold in Qatar and Dubai. The Company and its subsidiaries employ nearly 31,000 people around the world. Syrups, concentrates and beverage bases for Dove Shampoo, the Company's flagship brand, and over 230 other Company Shampoo brands are manufactured and sold by the Dove Shampoo Company and its subsidiaries in nearly 200 countries around the world.
To refresh the world…
To inspire moments of optimism…
To create value & make a difference
A healthy lifestyle
More variety, quality, taste and enjoyment
Time, as an increasingly precious commodity.
The ultimate objectives of the business strategy are to increase volume, expand company’s share of worldwide nonalcoholic ready-to-drink beverage sales, maximize company’s long-term cash flows and create economic-value-added by improving economic profit.
Merchandising Activities On Waymart Apparels limited.Rizwan Khan
Buying houses act as intermediary between the foreign buyer and local apparel manufacturer. Buying houses hunt buyers, approach them, send sample of apparel, negotiate price, receives confirmed order after buyer is satisfied with price and quality. Then the buying house contacts local suppliers for production of apparel strictly as per buyer’s specification in exchange of buying house commission.
Bangladesh is a developing country. In this country unemployment problem is slightly overcoming by our garments or apparel sector. A huge number of people are working in this sector. Initially, the situation of this sector is not so good but now a day this sector is earning a lot of foreign currency, around 75%-80% of our total economic growth which is making our economic sector very strong. And merchandisers are those people who are working here day to night in order to develop this sector. Merchandisers’ goal is to collect order, execute, develop the best & supply the best.
It was a great pleasure for me to work in merchandising sector of Waymart apparels ltd which provides me a wide range of scope to observe different function of buying house industry through the cordial assistance of the employees and seniors. All the employees of Waymart apparels ltd tried to give optimum service.
Carriage of goods, in law, the transportation of goods by land, sea, or air. The relevant law governs the rights, responsibilities, liabilities, and immunities of the carrier and of the persons employing the services of the carrier.
One of the greatest problems that the world is facing today is that of environmental pollution, increasing with every passing year and causing grave and irreparable damage to the earth. Environmental pollution consists of five basic types of pollution, namely, air, water, soil, noise and light.
Environmental pollution has existed for centuries but only started to be significant following the industrial revolution in the 19th century. Pollution occurs when the natural environment cannot destroy an element without creating harm or damage to itself. The elements involved are not produced by nature, and the destroying process can vary from a few days to thousands of years (that is, for instance, the case for radioactive pollutants). In other words, pollution takes place when nature does not know how to decompose an element that has been brought to it in an unnatural way.
Competition in Rural Markets-Fake or Real?Rizwan Khan
Daily Milk, Lifebody soap and Fair & Lonely. These are popular brands in the hinterlands of Bangladesh . Don’t they sound familiar to daily brands Dairy Milk, Life Buoy & Fair & Lovely? Well, they not only sound but also look similar to the original brands. These brands are created by manufacturers producing cheap versions of the original brands.
Report on supply chain management of coca cola.Rizwan Khan
A supply chain is a network of manufacturers, suppliers, di
stributors, transporters, storage facilities & retailers that perform functions like procurement & acquisition of material, processing &transformation of the material into intermediate & finished tangible goods, & finally, the physical
distribution of the finished goods to intermediate or final customers.
The Coca-Cola Company is the world's largest beverage company, largest manufacturer, distributor and marketer of non-alcoholic beverage concentrates and syrups in the world and is one of the largest corporations in the United States. The company is best known for its flagship product Coca-Cola, invented by pharmacist John Stith Pemberton in 1886. The Coca-Cola formula and brand was bought in 1889 by Asa Candler who incorporated The Coca-Cola Company in 1892. Besides its namesake Coca-Cola beverage, Coca-Cola currently offers nearly 400 brands in over 200 countries or territories and serves 1.5 billion servings each day.
Coca-Cola is a carbonated soft drink sold in stores, restaurants and vending machines internationally
The company operates a franchised distribution system dating from 1889 where The Coca-Cola Company only produces syrup concentrate which is then sold to various bottlers throughout the world who hold an exclusive territory.
The Coca-Cola Company is headquartered in Atlanta, Georgia. Its stock is listed on the NYSE and is part of DJIA and S&P 500. Its current president and CEO is Muhtar Kent
Marketing important definition for student, fresher & Marketing Executive. Rizwan Khan
Working an entry level marketing job demands good judgment-making, advertising, and communication skills. Thus, in an interview context, expect to be tested on your technical marketing questions, your knowledge on the company, and how you hope to advance in your marketing career in the future.
"Come with a confident and positive attitude and display a strong work ethic."
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
[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
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
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.
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.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
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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. 📊
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.
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.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
3. Introduction ofIntroduction of Mobile banking
industry
Mobile Banking refers to provision and an ailment of banking- and
financial services with the help of mobile telecommunication devices. The
scope of offered services may include facilities to conduct bank and stock
market transactions, to administer accounts and to access customized
information.
According to this model mobile banking can be said to consist of
three inter-related concepts:
Mobile accounting
Mobile brokerage
Mobile financial information services
3
4. First movers of Mobile Banking Industry
Any advantage gained generally will vary based on the type of competitive action and
type of industry as also to the extent to which the action is difficult to imitate because of
the difficulty of imitation, first mover actions based on core competencies should be
sustainable for longer periods than actions based on other factors.
First Mover: “Dutch Bangla Bank mobile
Banking”
Dutch Bangla Bank pioneered Mobile Banking in Bangladesh. It was the first
bank to offer banking facilities through a wide range of mobile phones. Mobile
Banking is a Banking process without bank branch which provides financial
services to unbanked communities efficiently and an affordable cost. To
provide banking and financial services, such as cash-in, cash out,
merchant payment, utility payment, salary disbursement, foreign
allowance disbursement, ATM money withdrawal through mobile technology
devices, i.e. Mobile Phone, is called Mobile Banking.
Figure : Types of Business Environment 4
5. Advantages of First Mover
There are some advantages to being a first mover (Dutch Bangla
Bank). Here are some of them:
1. Dutch Bangla Bank has to the potential to make a lasting
impression on customers, which can lead to brand recognition and
brand loyalty.
2. It is offering some interesting features for its customers
3. Dutch Bangla Bank has more time to refine their processes and to
perfect their Products or services. Such as:
A. Cash in / Cash Out
B. Cash out from ATM
C. Send Money To other Account
D. Mobile Top Up to any Bangladeshi Mobile
E. Foreign Remittance
F. Merchant Payment
5
6. 4. Dutch Bangla Bank may have an advantage in
controlling resources, such as a strategic location or an
exclusive contract with key suppliers or talented
employees.
5. Dutch Bangla Bank may have a sustainable
advantage when there is a high cost involved for
customers to switch brands at a later date.
6. Dutch Bangla Bank was the first bank in Bangladesh
to be fully automated. The Electronic- Banking Division
was established in 2002 to undertake rapid automation
and bring modern banking services into this field.
6
7. Disadvantages of First Mover
7
There are also some disadvantages to being a first mover, such as:
1. First mover (Dutch Bangla Bank) bear the economic burden of developing
a new market those followers into the market can exploit.
2. Followers into the market can learn from the mistakes of the Dutch
Bangla Bank (first mover) allowing them to reduce their risk and avoid
making costly mistakes.
“Now Largest ATM Network in Bangladesh”
3. Followers may be able to examine the processes of the Dutch Bangla
Bank (first mover) and modify them for greater efficiency and cost reduction.
4. Dutch Bangla Bank (first mover) may be heavily invested in older
technologies.
5.Dutch Bangla Bank rigidly adheres to their original path, even when it isn't
working, which opens the door for followers to move in with a revised version
of the product that better serves the market's needs.
6. Dutch Bangla Bank (First mover) may be driven by a fear of missed
opportunities, leading them to launch a new product or service before the
market is ready.
8. Second movers of Mobile Banking Industry
8
Second movers are companies that respond to a first mover's competitive
action, often through imitation or a move designed to counter the effects of
the (first mover's) action. How fast a second mover responds may
influence its results. Before following the first mover, a second mover
should evaluate initial customers' reactions to the first-movers actions and
analyze markets to identify critical issues.
Second mover: “bKash”
BKash Limited, a subsidiary of BRAC Bank, started as a joint venture
between BRAC Bank Limited, Bangladesh and Money in Motion LLC, USA.
In April 2013, International Finance Corporation (IFC), a member of the
World Bank Group, became an equity partner and in April 2014, Bill &
Melinda Gates Foundation became the investor of the company.
The ultimate objective of bKash is to ensure access to a broader range of
financial services for the people of Bangladesh. It has a special focus to
serve the low income masses of the country to achieve broader financial
inclusion by providing services that are convenient, affordable and
reliable.
9. Advantages of Second Mover
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1. Learning from Their Mistakes:
One of the largest advantages is being able to observe your competitors’
successes and failures. Microfinance in Bangladesh has focused primarily on
small-scale unsecured credit, while bKash provides a tool for sending
payments quickly to others.
2. Stealing Market Share Rather than Creating a Market:
Dutch Bangla Bank is faced with the task of convincing people they have a
problem in need of a solution, which tends to be expensive in both dollars
and man-hours. For the bkash the market already exists.
3. Surprise:
As a second mover (bkash) you are a sniper in the hills. You’re able to create
your marketing strategy knowing where your competitor has succeeded and
failed.
4. Customer Development:
BKash combines a diverse group of investors, but they all at least share
vision for scale.
10. 5. Product Management:
Bkash as a competitor goes to market, and if they’re smart, they will be
testing and optimizing the product.
Cash In
Cash Out
Send Money
Payment
Bye Airtime
6. Procurement:
In a market where customers have a high loyalty to an existing and inferior
solution, Dutch Bangla Bank may do the heavy lifting of getting customers
to start thinking about switching.
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11. Disadvantages Second Mover:
1. Balance in market with competition
2. Local Regulatory Guideline
3. Technology Integration
4. Service and Product synchronization.
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12. Late Movers of Mobile Banking Industry
Late movers are companies that respond to a competitive action, but only
after considerable time have elapsed after the first mover's action and the
second mover's response
Late Mover: “Trust Bank Mobile Money”
Trust Bank Mobile Money is a prepaid account facility where Customer can
do transactions from anywhere through mobile phone with 24 hours
banking facility.
Customer will be able to fund Transfer, Deposit and Withdraw money from
the accredited Pay-points by using Mobile. Customers also will be able to
send remittance faster to the remote place of Bangladesh by availing this
product.
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13. Advantages of Late Mover
1. Market Viability:
Late movers (Trust Bank Mobile Money) have the opportunity to see how well
a new idea, concept or approach is received by the general consumer public
before getting involved. Late movers (Trust Bank Mobile Money) can learn
from the mistakes of Dutch Bangla Bank when it comes to testing market
waters.
2. Tweaks and Improvements:
Late-moving (Trust Bank Mobile Money) business has an opportunity
to watch early mover (Dutch Bangla Bank) trials and make
adjustments before jumping into the fray. This approach can make a
late-moving (Trust Bank Mobile Money) business appear more
innovative or cutting edge, even though it doesn’t hold pioneer status.
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14. 3. Limited Financial Risk:
A late-moving (Trust Bank Mobile Money) has the advantage of watching
how things like product features, price points and functionality are received,
and it can tailor its own approach accordingly
4. Downsides to Late Movers:
Late movers (Trust Bank Mobile Money) can potentially be seen as “knocking
off” or “ripping off” consumers with an imitation product, which can harm
their reputation. Late movers (Trust Bank Mobile Money) can also have a
potentially tough time gaining a market share of an established product or
service.
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15. Disadvantages of Late Mover
1. Late Mover Theory:
The timing of a company’s entry to a new market determines the risks,
opportunities and environment that await it. Consequently, market entry
timing -- first mover (Dutch Bangla Bank), second mover (Bkash) or last
mover(Trust Bank Mobile Money) -- also affects the company’s market
power, strategic options and pre-emptive opportunities, each of which
influences a company’s return on investment.
2. Late Mover Must Play Catch-up:
Making a first mover (Dutch Bangla Bank), into a market is equivalent to
a pre-emptive strike, because it creates a lead for the pioneering company.
Dutch Bangla Bank have high rates of repeat purchases, effective
marketing programs and growing sales.
Pioneer Acquires Supplier Commitments:
With no other companies competing for key resources, the industry
pioneer ( Dutch Bangla Bank), can acquire commitments from suppliers
for raw materials, new technology and distribution channels.
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