This document discusses creating a technology platform to help independent financial advisors (IFAs) grow their business. It would provide tools like customer relationship management, financial planning, portfolio reporting, order management, and research capabilities. This would save IFAs time and reduce errors while giving them freedom over their business models. It would also benefit investors through need-based advice, access to multiple products anytime, and more efficient servicing. Manufacturers would see higher sales, improved IFA interactions, and lower costs from reducing paper and errors. The overall goal is to create a win-win marketplace for investors, manufacturers, and intermediaries.
The document discusses how the US insurance industry remains heavily reliant on legacy mainframe systems for processing insurance claims and policies. It outlines some of the challenges of these legacy mainframes, including limited technical support, inflexible business rules, overburdened databases, and high maintenance costs. The document proposes managing the legacy IT landscape through knowledge acquisition from both top-down and bottom-up approaches. It also recommends institutionalizing the acquired knowledge and developing employee competencies to achieve operational excellence and cost reduction.
The document discusses transforming a company's policy administration system from a rigid, outdated legacy system to a modern, flexible system. It recommends defining business goals, reducing customization and configuration, selecting the right sourcing model, managing training, clear communication, and putting the right people in the right places to consolidate systems, reduce redundancy and costs, and create a more reliable, available and secure distributed system.
This document contains an agenda for a class on customer relationships:
- There will be Q&A about revenue models, presentations by teams on customer relationships, and a summary about partners.
- The Q&A section defines different revenue models like usage fees, subscriptions, licensing, and advertising. It warns against using multiple models without clarity and discusses pricing tactics.
- Teams will present on customer relationships, focusing on metrics like customer acquisition cost, conversion rates, lifetime value.
- Partners are discussed as strategic alliances, joint ventures, coopetition, key suppliers, and virtual channels. The importance of partner relationship diagrams is highlighted.
- For next week, teams are asked to update their business model canvas and
The document provides an agenda for a class on revenue models, including:
1) A Q&A session about revenue models, with discussion of common revenue model types like usage fees, subscriptions, licensing, and advertising.
2) Team presentations on findings about different revenue models.
3) A summary about types of business partners and partner relationships.
4) An outline of the work assigned for the next class, including interviewing potential partners and updating business model documents.
180926 Visagio - Supercharging Supply Chains with 3D PrintingSINTAS
This document discusses how 3D printing can supercharge supply chains. It outlines how 3D printing can impact different areas of the supply chain by enabling faster tooling and manufacturing, lower minimum order quantities, and reduced costs of inventory and transportation. Case studies show how companies have significantly lowered costs and lead times for parts using 3D printing. The document also examines new supply chain models that 3D printing may enable, such as in-house, hub-based, or customer-located manufacturing. It identifies enablers and challenges to adopting 3D printing in supply chains.
The document discusses how the US insurance industry remains heavily reliant on legacy mainframe systems for processing insurance claims and policies. It outlines some of the challenges of these legacy mainframes, including limited technical support, inflexible business rules, overburdened databases, and high maintenance costs. The document proposes managing the legacy IT landscape through knowledge acquisition from both top-down and bottom-up approaches. It also recommends institutionalizing the acquired knowledge and developing employee competencies to achieve operational excellence and cost reduction.
The document discusses transforming a company's policy administration system from a rigid, outdated legacy system to a modern, flexible system. It recommends defining business goals, reducing customization and configuration, selecting the right sourcing model, managing training, clear communication, and putting the right people in the right places to consolidate systems, reduce redundancy and costs, and create a more reliable, available and secure distributed system.
This document contains an agenda for a class on customer relationships:
- There will be Q&A about revenue models, presentations by teams on customer relationships, and a summary about partners.
- The Q&A section defines different revenue models like usage fees, subscriptions, licensing, and advertising. It warns against using multiple models without clarity and discusses pricing tactics.
- Teams will present on customer relationships, focusing on metrics like customer acquisition cost, conversion rates, lifetime value.
- Partners are discussed as strategic alliances, joint ventures, coopetition, key suppliers, and virtual channels. The importance of partner relationship diagrams is highlighted.
- For next week, teams are asked to update their business model canvas and
The document provides an agenda for a class on revenue models, including:
1) A Q&A session about revenue models, with discussion of common revenue model types like usage fees, subscriptions, licensing, and advertising.
2) Team presentations on findings about different revenue models.
3) A summary about types of business partners and partner relationships.
4) An outline of the work assigned for the next class, including interviewing potential partners and updating business model documents.
180926 Visagio - Supercharging Supply Chains with 3D PrintingSINTAS
This document discusses how 3D printing can supercharge supply chains. It outlines how 3D printing can impact different areas of the supply chain by enabling faster tooling and manufacturing, lower minimum order quantities, and reduced costs of inventory and transportation. Case studies show how companies have significantly lowered costs and lead times for parts using 3D printing. The document also examines new supply chain models that 3D printing may enable, such as in-house, hub-based, or customer-located manufacturing. It identifies enablers and challenges to adopting 3D printing in supply chains.
What you get with the sts fitness clubConor Graham
The STS Fitness Club provides members with an in-depth needs analysis, access to the GymCalc program to set up personalized training programs, and ongoing personal training and education to support members and ensure continuous results.
(1) The EquiMax Tool analyzes market conditions to determine when to enter and exit equity markets through mutual funds. (2) It categorizes market conditions into six types based on factors like valuations and earnings growth, with Type 1 being most favorable and Type 6 being least favorable. (3) EquiMax aims to improve returns by investing in Types 1-3 and holding cash in Types 4-6, reviewing allocations periodically.
1. In 1729, an experiment was conducted on a sensitive plant that demonstrated plants have endogenous circadian rhythms that continue in the absence of daylight cues.
2. In humans, melatonin production and core body temperature are two biological processes used to determine the endogenous circadian rhythm. Bright light exposure at different points in the circadian cycle can cause phase delays or advances in body temperature rhythms.
3. For night shift workers, using bright light therapy aimed at entraining the lowest core body temperature to occur during daylight hours can help promote alertness at night and sleepiness during the day. However, maintaining a strict light/dark schedule is important for effective entrainment.
Pedagogical design of the text in distance learningАнна Саврасова
This document discusses the pedagogical design of text in distance learning. It emphasizes that text for distance learning has higher requirements than other texts due to features of online learning. There are two main ways to structure text for online perception: external visualization and internal structuring. External visualization involves formatting text through font, size, color, line length, titles, and illustrations. Internal structuring refers to syntax, style, logical presentation, substantive content, and sequencing information clearly. The goal of text design is to competently structure information for online learners through visualization and organization.
1. A personal teacher site can serve as an organic bank of learning materials, a space for communication with students, and a system to support the teacher's professional work.
2. A teacher site allows for placement of educational content, training texts, organizational information, advertisements, graphics, tests, and students' work. It also enables control of student feedback and assessment of site usage.
3. Examples of teacher sites provided are http://praktika.my1.ru, which is a diary of teaching practice, and http://savrasova2009.my1.ru, which contains a student's work. Additional resources on site design and a request to view the sites are
1. The document outlines practical methods for increasing the effectiveness of maximal power training, drawing on scientific research.
2. It discusses the relationship between maximal power (Pmax) and the load-power curve, noting that power can be improved by increasing force/strength or speed.
3. Long-term studies show changes in Pmax are heavily dependent on changes in maximal strength, so developing high strength levels in agonists and antagonists can underpin high Pmax.
4. Practical methods proposed to increase power training effectiveness include including full acceleration exercises as power exercises and employing various training variables like load, volume, and exercise selection strategically based on an individual's load-power curve profile.
This document summarizes a presentation by Dr. Raghuram Rajan about his book "Fault Lines". It discusses how political and economic fault lines between countries, as well as within financial systems, contributed to the 2008 global financial crisis. These fault lines included rising inequality, trade imbalances, different types of financial systems interacting, and politicians pushing easy credit as an alternative to difficult long-term solutions. When these fault lines converged in the US housing market, it amplified risks and led to crisis. The summary also examines issues like export-led growth strategies, foreign financing of developing economies, weak social safety nets, and the role of central banks in successive bubbles.
The document summarizes the process of protein synthesis in cells. It involves two main steps - transcription and translation. In transcription, DNA is copied into messenger RNA (mRNA) by RNA polymerase. The mRNA then leaves the nucleus and binds to a ribosome in the cytoplasm. In translation, the mRNA is read by the ribosome to produce a polypeptide chain according to the mRNA codons, with help from transfer RNA (tRNA).
The application of periodisation models for athletes of different standards ...Conor Graham
This document discusses periodization models for athletes of different standards and abilities. It begins by establishing the author's credentials in strength and conditioning. The introduction provides an overview of periodization and its benefits compared to non-periodized training. The document then examines differences in Eastern bloc vs Western approaches to early athletic development and specialization. It proposes that periodization models must be tailored to the athlete's training age, career phase, and sport in order to maximize results.
Co-branding involves two brands collaborating on a product, service or campaign to leverage the strengths of both brands. Successful co-branding examples provide value to customers of both brands by associating their reputations in a way that increases awareness and sales. The document suggests that co-branding partnerships should feature both logos and contact details to clearly identify the brands involved and their shared role in the co-branded initiative.
The document summarizes the key features of an online transaction platform that allows investors to access their accounts and purchase mutual funds through independent financial advisors or directly. The platform provides online account access and statements, the ability to purchase funds and set up transactions like SIP, SWP, and switches. It also details the process for onboarding investors, making payments through a payment gateway, and maintaining the security and confidentiality of customer data.
The document discusses Robotic Process Automation (RPA) solutions provided by Automation BOX (ABX). It introduces ABX's RPA platform and the benefits it provides, such as cost reduction, increased efficiency and productivity. The document also outlines ABX's solution approach, including process modeling, testing, implementation and ongoing support. Security measures are discussed in the appendix to address common concerns with RPA.
Digital Client Journey Increasing Conversions & Engagement Frank ROESSIG
Find out how you can improve your digital client journey to increase conversion and revenue. Where and how to clients live online? Which technologies to use? What does the future look like?
Payments Hubs: Progress in Achieving Straight-Through ProcessingVivastream
The document discusses payments hubs and their implementation. It provides an overview of market influences driving financial institutions to evaluate payments hubs, including the proliferation of new products/channels and regulatory pressures. It outlines the value proposition of payments hubs in improving customer experience and reducing costs. Key benefits are listed as business enablement, risk management, and operational efficiency. The document concludes with lessons learned around change management and the need for an enterprise approach when implementing a payments hub.
This document outlines 7 steps to becoming a world-class manufacturer: 1) Focus on competitive quality, 2) Implement lean manufacturing systems, 3) Achieve cost efficiency, 4) Reduce time-to-market, 5) Exceed customer expectations, 6) Streamline outsourcing processes, and 7) Have a global perspective. General H.Lal is identified as a source of information and advice on quality and manufacturing excellence, while Pravin Rajpal is credited with research, artwork, design and development for the document.
Salmon's presentation given at a half-day advisory seminar and networking session designed for Rackspace eCommerce clients and prospects, eCommerce software partners and web design partners.
What you get with the sts fitness clubConor Graham
The STS Fitness Club provides members with an in-depth needs analysis, access to the GymCalc program to set up personalized training programs, and ongoing personal training and education to support members and ensure continuous results.
(1) The EquiMax Tool analyzes market conditions to determine when to enter and exit equity markets through mutual funds. (2) It categorizes market conditions into six types based on factors like valuations and earnings growth, with Type 1 being most favorable and Type 6 being least favorable. (3) EquiMax aims to improve returns by investing in Types 1-3 and holding cash in Types 4-6, reviewing allocations periodically.
1. In 1729, an experiment was conducted on a sensitive plant that demonstrated plants have endogenous circadian rhythms that continue in the absence of daylight cues.
2. In humans, melatonin production and core body temperature are two biological processes used to determine the endogenous circadian rhythm. Bright light exposure at different points in the circadian cycle can cause phase delays or advances in body temperature rhythms.
3. For night shift workers, using bright light therapy aimed at entraining the lowest core body temperature to occur during daylight hours can help promote alertness at night and sleepiness during the day. However, maintaining a strict light/dark schedule is important for effective entrainment.
Pedagogical design of the text in distance learningАнна Саврасова
This document discusses the pedagogical design of text in distance learning. It emphasizes that text for distance learning has higher requirements than other texts due to features of online learning. There are two main ways to structure text for online perception: external visualization and internal structuring. External visualization involves formatting text through font, size, color, line length, titles, and illustrations. Internal structuring refers to syntax, style, logical presentation, substantive content, and sequencing information clearly. The goal of text design is to competently structure information for online learners through visualization and organization.
1. A personal teacher site can serve as an organic bank of learning materials, a space for communication with students, and a system to support the teacher's professional work.
2. A teacher site allows for placement of educational content, training texts, organizational information, advertisements, graphics, tests, and students' work. It also enables control of student feedback and assessment of site usage.
3. Examples of teacher sites provided are http://praktika.my1.ru, which is a diary of teaching practice, and http://savrasova2009.my1.ru, which contains a student's work. Additional resources on site design and a request to view the sites are
1. The document outlines practical methods for increasing the effectiveness of maximal power training, drawing on scientific research.
2. It discusses the relationship between maximal power (Pmax) and the load-power curve, noting that power can be improved by increasing force/strength or speed.
3. Long-term studies show changes in Pmax are heavily dependent on changes in maximal strength, so developing high strength levels in agonists and antagonists can underpin high Pmax.
4. Practical methods proposed to increase power training effectiveness include including full acceleration exercises as power exercises and employing various training variables like load, volume, and exercise selection strategically based on an individual's load-power curve profile.
This document summarizes a presentation by Dr. Raghuram Rajan about his book "Fault Lines". It discusses how political and economic fault lines between countries, as well as within financial systems, contributed to the 2008 global financial crisis. These fault lines included rising inequality, trade imbalances, different types of financial systems interacting, and politicians pushing easy credit as an alternative to difficult long-term solutions. When these fault lines converged in the US housing market, it amplified risks and led to crisis. The summary also examines issues like export-led growth strategies, foreign financing of developing economies, weak social safety nets, and the role of central banks in successive bubbles.
The document summarizes the process of protein synthesis in cells. It involves two main steps - transcription and translation. In transcription, DNA is copied into messenger RNA (mRNA) by RNA polymerase. The mRNA then leaves the nucleus and binds to a ribosome in the cytoplasm. In translation, the mRNA is read by the ribosome to produce a polypeptide chain according to the mRNA codons, with help from transfer RNA (tRNA).
The application of periodisation models for athletes of different standards ...Conor Graham
This document discusses periodization models for athletes of different standards and abilities. It begins by establishing the author's credentials in strength and conditioning. The introduction provides an overview of periodization and its benefits compared to non-periodized training. The document then examines differences in Eastern bloc vs Western approaches to early athletic development and specialization. It proposes that periodization models must be tailored to the athlete's training age, career phase, and sport in order to maximize results.
Co-branding involves two brands collaborating on a product, service or campaign to leverage the strengths of both brands. Successful co-branding examples provide value to customers of both brands by associating their reputations in a way that increases awareness and sales. The document suggests that co-branding partnerships should feature both logos and contact details to clearly identify the brands involved and their shared role in the co-branded initiative.
The document summarizes the key features of an online transaction platform that allows investors to access their accounts and purchase mutual funds through independent financial advisors or directly. The platform provides online account access and statements, the ability to purchase funds and set up transactions like SIP, SWP, and switches. It also details the process for onboarding investors, making payments through a payment gateway, and maintaining the security and confidentiality of customer data.
The document discusses Robotic Process Automation (RPA) solutions provided by Automation BOX (ABX). It introduces ABX's RPA platform and the benefits it provides, such as cost reduction, increased efficiency and productivity. The document also outlines ABX's solution approach, including process modeling, testing, implementation and ongoing support. Security measures are discussed in the appendix to address common concerns with RPA.
Digital Client Journey Increasing Conversions & Engagement Frank ROESSIG
Find out how you can improve your digital client journey to increase conversion and revenue. Where and how to clients live online? Which technologies to use? What does the future look like?
Payments Hubs: Progress in Achieving Straight-Through ProcessingVivastream
The document discusses payments hubs and their implementation. It provides an overview of market influences driving financial institutions to evaluate payments hubs, including the proliferation of new products/channels and regulatory pressures. It outlines the value proposition of payments hubs in improving customer experience and reducing costs. Key benefits are listed as business enablement, risk management, and operational efficiency. The document concludes with lessons learned around change management and the need for an enterprise approach when implementing a payments hub.
This document outlines 7 steps to becoming a world-class manufacturer: 1) Focus on competitive quality, 2) Implement lean manufacturing systems, 3) Achieve cost efficiency, 4) Reduce time-to-market, 5) Exceed customer expectations, 6) Streamline outsourcing processes, and 7) Have a global perspective. General H.Lal is identified as a source of information and advice on quality and manufacturing excellence, while Pravin Rajpal is credited with research, artwork, design and development for the document.
Salmon's presentation given at a half-day advisory seminar and networking session designed for Rackspace eCommerce clients and prospects, eCommerce software partners and web design partners.
Are you trying to make sense out of this fast-changing marketing automation environment? Or, better yet, are you trying to find ways to deliver on that long-term lead nurturing strategy that you so eloquently sold to your execs last year? Then, join us as we tackle some of the great myths about automated lead nurturing. Using real-world examples
of Pardot in action, you will see how to overcome the hurdles that stand in the way of executing effective automated marketing and offer sage advice to help generate the promised results from your marketing automation system.
This document summarizes Kimmo Koivisto's presentation on business model innovation. The presentation discusses what a business model is, why business models matter, and provides examples of classic business model cases for inspiration. Some examples discussed include JC Decaux's earnings logic model, Ryanair's low-cost model, Hilti's tool rental "as a service" model, Minute Clinic's standardization model in healthcare, and Threadless' co-creation model leveraging online communities. The presentation emphasizes that startups should focus on innovating radical new business models, and established companies often fail because they prioritize products over reinventing their business model.
The document summarizes key concepts from the book Blue Ocean Strategy. It discusses how blue ocean strategy involves creating uncontested market space by making competition irrelevant. It outlines how blue ocean logic differs from conventional logic by thinking freely from a company's existing assets and capabilities. The document also provides examples of value curves and strategy canvases that illustrate how blue ocean strategy works to create a new demand curve by eliminating, reducing, raising, and creating new factors.
This webinar presentation discusses quantifying value, including quantifying intangible value and value from bundled offers. The presentation is given by Ed Arnold and Roberto Rivera from LeveragePoint, a software company for value-based pricing. They discuss how to break down broad customer benefits into tangible impacts and economic value. Examples are provided of quantifying value for reliability, expertise, and bundled specialty and commodity catalyst offers for a large OEM customer. The next webinar in the series will focus on value modeling in the innovation process.
Riskpro is an Indian risk management advisory and consulting firm with offices in multiple major cities. It offers a wide range of governance, risk, and compliance (GRC) services to mid-large sized corporate and financial institutions. Riskpro's team has over 200 years of cumulative experience in risk management consulting and internal audits. It provides quality advisory services at competitive rates using a hybrid delivery model combining client staff and its own experts.
Riskpro is an Indian risk management advisory and consulting firm with offices in multiple major cities. It offers a wide range of governance, risk, and compliance (GRC) services to mid-large sized corporate and financial institutions. Riskpro's team has over 200 years of cumulative experience in risk management consulting and internal audits. It provides quality advisory services at competitive rates using a hybrid delivery model combining client staff and its own experts.
CRM Manufacturing - Birmingham 25th Jan 2012antonioferrin
This document discusses how customer relationship management (CRM) can help manufacturing companies. It defines CRM as "the company's response to the customer's control of the conversation." It explains that CRM focuses on understanding customers, their needs and value to the company. CRM helps manufacturers through initiatives like loyalty programs, customized offers and pricing, and analytical CRM to transform transactional data into customer insights and predictions. The document outlines key factors for successful CRM implementation, such as leadership from business areas, implementing in phases starting with highest ROI, communication, and defining clear metrics.
This document discusses four critical platforms for in-store leadership: sustainability, innovation, efficiency, and measurement. It provides details on developing leadership in each area, including identifying solutions, leveraging technology, streamlining processes, and using data to continuously refine performance. Effective execution across these platforms can help define category leadership and differentiation.
ChannelVission is a B2B outsourcing company that specializes in channel sales, marketing, and business development. They help technology companies increase channel revenue through established channel teams or by developing new channels. ChannelVission's services include outsourcing front office functions, developing new markets and strategic alliances, and improving efficiency and productivity of existing channel partners. Their approach aims to drive incremental revenue faster and at lower cost than building an in-house team.
Riskpro provides risk management advisory and consulting services to capital markets firms in India. It has offices in major cities across India and alliances in other cities. Riskpro aims to be the preferred provider of governance, risk, and compliance (GRC) solutions. It offers a hybrid delivery model with over 200 cumulative years of experience. Riskpro's services include risk assessments, compliance reviews, policy development, and training programs to help clients manage various risks like regulatory, operational, and people risks.
Riskpro provides risk management advisory and consulting services to capital markets firms in India. It has offices in major cities across India and alliances in other cities. Riskpro aims to be the preferred provider of governance, risk, and compliance (GRC) solutions. It offers a hybrid delivery model with over 200 cumulative years of experience. Riskpro's services include risk assessments, compliance reviews, policy development, and training programs to help clients manage various risks like regulatory, operational, and people risks.
IBM Information Management - Optimera er verksamhet och öka kundnyttan med nä...IBM Sverige
Marknadens krav på ökad kundservice, insikt, kontroll och helhetsvy av information och
kund, samt regelverk ställer höga krav på hur företag hanterar sina ärendeprocesser
och affärsinformation. IBM adresserar detta genom att annonsera Advanced Case
Management, som kombinerar alla de egenskaper som behövs för en effektiv och kvalitativ hantering.
Talare: Mathias Sognefors, Nordic ECM Sales Lead, IBM
Denna presentation hölls på ett seminariepass för Information Management under IBM Software Day 2010.
The document discusses integrated risk management (IRM) in banking. It outlines drivers for IRM including convergence of marketing, risk, and financial data and external regulatory pressures. It describes the desired evolution from siloed risk views to an integrated risk landscape. It also discusses building IRM capabilities in Indian banks through developing people, analytics, data resources, and preparing for sophisticated markets and instruments over time while following regulatory directives.
Value creation final project shai zamir, dan saguyDan Saguy
Here are some key points to shield, hedge, capture and engage the social megatrend threat:
Shield: Diversify client base and services to reduce over-reliance on any one sector impacted.
Hedge: Implement cancellation policies and advance payments to mitigate financial losses from cancelled events.
Capture: Monitor social and political climate closely to identify potential threats in early stages.
Engage: Expand into new complementary areas like digital/online marketing. Pursue alternative client sectors less impacted by protests like government. Reduce fixed costs through workforce adjustments to weather downturns.
The overall strategy is to diversify revenue streams, implement risk mitigation policies, closely monitor the environment, and adapt the business model to engage
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
17. Investor benefits
Need
based
advice
Multiple
24 X 7
products
Efficient
Paperless
servicing
Low error
Monitoring
rate
18. IFA benefits
24 X 7 Ability to charge
Time saving fees
Low error rate Compliance
Productivity
Freedom of
business model
Client loyalty
19. IFA benefits
24 X 7 Ability to charge
Time saved Zero Credit
fees
Brand
Low error rate Risk
Compliance
Productivity
identity
Freedom of
business model
Client loyalty
20. Manufacturer benefits
• Higher sales
Business • Improved
expansion interaction with IFAs
• Reduction in paper
Cost • Low error rate
reduction
Editor's Notes
“On behalf of Next Advisors, we,Nikhils welcome you all. It is our pleasure to address such an august gathering today. We are privileged that such dignitaries like yourselves have agreed to grace the occasion on our invitation. These days, when you look at most of the media, be it print or electronic, the reports make mutual fund industry look very weak. Let us see.” Change slide.
Wait for a moment for the audience to grasp. “But wait, what is happening here?” Change slide.
“Is it apocalypse? Or is it the chicken little shouting? As someone has said, ‘a bend in the road is not the end of the road, unless you fail to make the turn’. At Next Advisors, we believe that present is always full of challenges and the future is full of opportunities. It all depends on what we do. So, welcome to the journey to the next practices in investment advisory.” Change slide.
So, welcome to the next practices to the next level of growth. Like in any journey, there are always challenges. Change slide.
There are two broad categories of intermediaries, viz., organisations and IFAs. Whereas organisations like banks and national distributors can mobilise huge resources, their cost structure is high. The IFAs on the other hand have limited resources but lower cost structure. This cost structure is lower compared to the organisations, whereas among IFAs also there is a vast range.The businesses with high cost structure need faster realisation of revenue.Over the last couple of years, the revenue has come under severe pressure in all areas, be it mutual funds, insurance, fixed deposits, IPOs, etc. Many investors are yet not fully ready to sign up another cheque for fees.
Roughly 67% of the time and 61% of the costs go towards servicing and transaction related issues. Paper related transactions result into many operational issues and “not in good order” transactions
In the times when the revenues are under pressure, and resources are low, the only answer to sustain one’s practice is growth. But it takes huge investments for that growth to materialiseChange slide
The IFAs need to invest in 3 areas: Technology, knowledge and customer acquisition. But, as mentioned earlier, the IFAs do not have the resources to invest in a big way. Large part of repeat tasks, e.g. transactions, basic services, preparation of statements and reports, data storage, calculations, etc. will be done with the use of technology. The IFAs must enhance their knowledge to keep up with the changing world. Change slide
We who come from different backgrounds but have a common goal - investors’ delight
The entity thus created is Next Advisors, for the IFA and by the IFAChange slide
Next Advisors is a technology enabled platform that helps IFAs face the challenges mentioned earlier and create large-scale business that will work for the benefit of the investor.We intend partnering with the best technology solution providers and have started with TechProcess for the transaction engine.Change slide
The platform is product agnostic and will allow the IFAs to offer multiple products to their clients to suit their various requirements. We will be style neutral allowing the IFAs to decide whether they wish to build advisory business or service oriented one, whether they wish to work on commission basis alone or charge fees or do both. The platform is capable of servicing IFAs with large number of clients or fewer. The platform can support business model that will have frequent transactions or fewer. In short, whatever kind of business model one can think of, the platform is capable of supporting. This was largely possible since the promoters have been operating their own businesses in different ways. The IFAs who have started Next Advisors have taken different paths to the same destination – help clients reach their financial goals in life.Change slide
Next Advisors will become an entity where all the three constituents; viz. investor, IFA and the product providers win. It aims to become a combination of Google and e-bay of financial intermediation.Change slide.
In first phase, the customer will be able to transact for MF through online mode. Purchases, SIP, switch, redemption etc are supported. In second phase, the IFA will be able to offer financial planning, conduct investment research, increase productivity through Customer Relationship Management etc. In the third phase, IFA will be trained for improving knowledge, offer more products and morphe from customer service to customer acquisition.Change slide
The view shows how an integrated customer management will be managed through the platform. The advisor will do the financial planning/need analysis of the investor, recommend appropriate products backed by research, enable investor to transact online for multiple products and make available portfolio reports online. The IFA will be freed to carry out periodic review of investors portfolio and use Customer Relationship Management for improved productivity.Change slide
So, now let us summarise how this proposition would help the industry. And let us start with the most important part of the industry, the investorChange slide
First of all, the platform enables the IFAs to offer advice based on the investor’s needs as the financial planning and CRM modules get ready. The platform allows multi-products to be offered from single ID, and hence the investor need not go from person to person to buy various products of his requirement. Paperless environment offers numerous benefits apart from being environment friendly. It reduces the error rate and transaction time. Reduction in errors enhances the customer experience. The platform allows efficient and timely monitoring of one’s financial needs, goals, situation, portfolio performance. Investor servicing gets a boost. And, the platform being online, the investor can access at his own convenience.
24*7 Online presenceUse of best technologyMaximizing revenueValue addition to existing clientsReduced Back office managementCost savingsGlobal PresenceMass selling- Common magazineReduction in back office time, errors, more time for client advisory, acquisition, product researchThis will lead to business growth.But there are many others that offer al the above. How is Next Advisors different from the various solutions available in the market?Change slide
The biggest differentiators offered by Next Advisors are: brand identity and zero credit risk. This is neither a sub-broker model, nor a direct to clients model. The principal IFA relationship will be maintained since in the RTA records, the ARN of the respective IFA will reflect. Similarly, since the trail and other commission will come directly from the fund account, the IFA does not face the credit risk associated with principal broker.Change slide
The AMC can leverage the reach offered by this technology – better reach to the IFA community at fraction of costs. Since IFAs’ business expands, the AMCs will be major beneficiaries of this growth. Reduction in paper and errors will lead to enormous cost saving for the industry as a whole.Next Advisors aims to create a win-win market place for investors, manufacturers and intermediariesSince technology is the key, the first employee we have hired is the Chief Technology Officer who has experience of working a company that has created similar products. We now invite AtulKhanna, the CTO, to show you a demonstration of how the present offering works.Change slide
Thank you nikhils. In first phase, an investor can transact online. Lets see how. This is existing website of an IFA. The client will log in and will be able to click the “Online Invest” button. Once an IFA becomes a Next member, his website will be integrated with online platform. The online platform will be white-labelled to ensure brand identity. The investor has to enter the answer to authenticate himself. The customer can purchase, switch, redeem, invest through SIP etc. He can purchase multiple funds at one go through Shopping Cart. All the funds for which the agreement is signed will be listed. The investor can select the fund as suggested by his advisor and see the fund details. He can also see the min investment amount etc. After clicking on the purchase icon, he can enter the amount and can select the dividend option. He has to enter Captcha for security reasons and then click on “ok” button to accept terms. He is then redirected to bank website. The investor enters the ID and password, enters the comments, his banking password and the grid verification. The bank is debited and the MF account credited at the cut off time. The interaction with registrar happens subsequently. In second phase, the advisor will do the financial planning/need analysis of the investor, recommend appropriate products backed by research, enable investor to transact online for multiple products and make available portfolio reports online. The IFA will be freed to carry out periodic review of investors portfolio and use Customer Relationship Management for improved productivity. After the demonstration, change slide
Thank you very much for your patient hearing. We seek your blessings and support in making this a grand success. We believe that this proposition will go a long way on the industry having 40 crore happy investors.Let us take feedback from some of the CEOs present here and then the floor is open for questions and answers.Please join us for cocktails and dinner.