Positive friction in digital design makes the lives of the user so simple although it makes the flow slower. It helps the user to learn, skip from autopilot mode and help them take back control in their hands.
The document discusses the concept of "positive friction" in user experience design, which involves adding additional steps or confirmations to benefit the user by preventing mistakes, validating important actions, promoting healthy behaviors and security, shortening perceived wait times, and providing learning opportunities. Some examples given include two-factor authentication, confirming large purchases or payments, reviewing late-night spending, onboarding flows, and loading indicators. The goal of positive friction is to help users while placing control back in their hands.
There are several advantages associated with the use of Gamification, but those inherent to the purely emotional side and linked to the user's ego, have a clearer positive impact, as they lead to a greater level of involvement and loyalty. In fact, gamification allows financial institutions to "exploit" the already collected data, to provide personalized and compelling experiences that encourage their customers towards specific and virtuous behaviours for the company.
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
The cognitive walkthrough evaluated a policyholder's experience obtaining proof of insurance on the Say Insurance website. While the goal could be achieved, the evaluation found inconsistencies in language, lack of information on sign-in pages, and redundant selections that could confuse users. Recommendations included adding context to homepage links and sign-in pages, clarifying call-to-action buttons, and enabling saving of insurance ID cards for easier future access. The summary proposes general clarification of terminology to ensure it matches users' needs when accessing proof of insurance on mobile.
Demo Event: Four Innovative Apps for Food Pantries and Food BanksNetSquared Vancouver
TechSoup Public Good App House demo event from July 20, 2021.
https://events.techsoup.org/events/details/techsoup-techsoup-community-events-presents-demo-event-four-innovative-apps-for-food-pantries-and-food-banks/
Food insecurity affects about a quarter of the world's population and more than 80 percent of US food banks are serving more people now than they did a year ago. How can we apply technology towards these challenges?
See four apps addressing food insecurity in action during this Public Good App House event. Explore solutions for volunteer scheduling, distribution, route planning, and managing inventory.
DEMOS
Jersey Cares app by MilkCrate
Learn how MilkCrate and Jersey Cares launched an app in three weeks to help volunteers deliver groceries to seniors during COVID while saving Jersey Cares $40,000 in staff time per year.
P2 from Primarius
Manage your foodbank with P2, a web-based platform with tools to help you efficiently manage your operations. P2 gives you a flexible and integrated solution to extend your capabilities beyond your warehouse.
HelpAction by NonProfit Exchange
HelpAction connects people in critical need with volunteers to provide assistance and free delivery of essential items. Discover how HelpAction addresses emergency food accessibility for the homebound and developed a new way for communities to volunteer.
OptimoRoute
OptimoRoute plans and optimizes hundreds of orders with multiple variables, for multiple drivers at once. Super-efficient routing is then sent to drivers' mobile app where they can navigate, get updates, complete orders, get proof of delivery and have their arrival time communicated to end customers.
Demo Event: Four Innovative Apps for Food Pantries and Food BanksTechSoup
echSoup Public Good App House demo event from July 20, 2021.
https://events.techsoup.org/events/details/techsoup-techsoup-community-events-presents-demo-event-four-innovative-apps-for-food-pantries-and-food-banks/
Food insecurity affects about a quarter of the world's population and more than 80 percent of US food banks are serving more people now than they did a year ago. How can we apply technology towards these challenges?
See four apps addressing food insecurity in action during this Public Good App House event. Explore solutions for volunteer scheduling, distribution, route planning, and managing inventory.
DEMOS
Jersey Cares app by MilkCrate
Learn how MilkCrate and Jersey Cares launched an app in three weeks to help volunteers deliver groceries to seniors during COVID while saving Jersey Cares $40,000 in staff time per year.
P2 from Primarius
Manage your foodbank with P2, a web-based platform with tools to help you efficiently manage your operations. P2 gives you a flexible and integrated solution to extend your capabilities beyond your warehouse.
HelpAction by NonProfit Exchange
HelpAction connects people in critical need with volunteers to provide assistance and free delivery of essential items. Discover how HelpAction addresses emergency food accessibility for the homebound and developed a new way for communities to volunteer.
OptimoRoute
OptimoRoute plans and optimizes hundreds of orders with multiple variables, for multiple drivers at once. Super-efficient routing is then sent to drivers' mobile app where they can navigate, get updates, complete orders, get proof of delivery and have their arrival time communicated to end customers.
The document discusses the concept of "positive friction" in user experience design, which involves adding additional steps or confirmations to benefit the user by preventing mistakes, validating important actions, promoting healthy behaviors and security, shortening perceived wait times, and providing learning opportunities. Some examples given include two-factor authentication, confirming large purchases or payments, reviewing late-night spending, onboarding flows, and loading indicators. The goal of positive friction is to help users while placing control back in their hands.
There are several advantages associated with the use of Gamification, but those inherent to the purely emotional side and linked to the user's ego, have a clearer positive impact, as they lead to a greater level of involvement and loyalty. In fact, gamification allows financial institutions to "exploit" the already collected data, to provide personalized and compelling experiences that encourage their customers towards specific and virtuous behaviours for the company.
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
The cognitive walkthrough evaluated a policyholder's experience obtaining proof of insurance on the Say Insurance website. While the goal could be achieved, the evaluation found inconsistencies in language, lack of information on sign-in pages, and redundant selections that could confuse users. Recommendations included adding context to homepage links and sign-in pages, clarifying call-to-action buttons, and enabling saving of insurance ID cards for easier future access. The summary proposes general clarification of terminology to ensure it matches users' needs when accessing proof of insurance on mobile.
Demo Event: Four Innovative Apps for Food Pantries and Food BanksNetSquared Vancouver
TechSoup Public Good App House demo event from July 20, 2021.
https://events.techsoup.org/events/details/techsoup-techsoup-community-events-presents-demo-event-four-innovative-apps-for-food-pantries-and-food-banks/
Food insecurity affects about a quarter of the world's population and more than 80 percent of US food banks are serving more people now than they did a year ago. How can we apply technology towards these challenges?
See four apps addressing food insecurity in action during this Public Good App House event. Explore solutions for volunteer scheduling, distribution, route planning, and managing inventory.
DEMOS
Jersey Cares app by MilkCrate
Learn how MilkCrate and Jersey Cares launched an app in three weeks to help volunteers deliver groceries to seniors during COVID while saving Jersey Cares $40,000 in staff time per year.
P2 from Primarius
Manage your foodbank with P2, a web-based platform with tools to help you efficiently manage your operations. P2 gives you a flexible and integrated solution to extend your capabilities beyond your warehouse.
HelpAction by NonProfit Exchange
HelpAction connects people in critical need with volunteers to provide assistance and free delivery of essential items. Discover how HelpAction addresses emergency food accessibility for the homebound and developed a new way for communities to volunteer.
OptimoRoute
OptimoRoute plans and optimizes hundreds of orders with multiple variables, for multiple drivers at once. Super-efficient routing is then sent to drivers' mobile app where they can navigate, get updates, complete orders, get proof of delivery and have their arrival time communicated to end customers.
Demo Event: Four Innovative Apps for Food Pantries and Food BanksTechSoup
echSoup Public Good App House demo event from July 20, 2021.
https://events.techsoup.org/events/details/techsoup-techsoup-community-events-presents-demo-event-four-innovative-apps-for-food-pantries-and-food-banks/
Food insecurity affects about a quarter of the world's population and more than 80 percent of US food banks are serving more people now than they did a year ago. How can we apply technology towards these challenges?
See four apps addressing food insecurity in action during this Public Good App House event. Explore solutions for volunteer scheduling, distribution, route planning, and managing inventory.
DEMOS
Jersey Cares app by MilkCrate
Learn how MilkCrate and Jersey Cares launched an app in three weeks to help volunteers deliver groceries to seniors during COVID while saving Jersey Cares $40,000 in staff time per year.
P2 from Primarius
Manage your foodbank with P2, a web-based platform with tools to help you efficiently manage your operations. P2 gives you a flexible and integrated solution to extend your capabilities beyond your warehouse.
HelpAction by NonProfit Exchange
HelpAction connects people in critical need with volunteers to provide assistance and free delivery of essential items. Discover how HelpAction addresses emergency food accessibility for the homebound and developed a new way for communities to volunteer.
OptimoRoute
OptimoRoute plans and optimizes hundreds of orders with multiple variables, for multiple drivers at once. Super-efficient routing is then sent to drivers' mobile app where they can navigate, get updates, complete orders, get proof of delivery and have their arrival time communicated to end customers.
8 Signs You May Be Leaving Revenue on the Table. Hayley Silver, VP of Bizrate Insights & Carly Rosenberg, GM & CMO of Bluefly presented at IRCE 2015 about ways to optimize your users mobile ecommerce experience & red flags to look out for in mobile.
Testing, QA, and QC are processes to ensure software quality. Testing identifies defects through intentional efforts to make software fail. QA ensures quality standards are followed throughout development. QC verifies software meets predefined standards. Together, testing, QA and QC aim to find and fix defects early to deliver high quality software. The document discusses various testing types like black box/white box testing and provides examples of real world software failures caused by a lack of effective testing.
How secure is two factor authentication (2 fa)Jack Forbes
Two-Factor Authentication explained. Read this blog to understand how 2FA works, how secure it is, and what should you implement for your digital consumers.
7 uses-of-biometric-time-attendance-system Time Labs
Biometric Time Attendance System relies on biological and or behavioural characteristics to validate a person’s identity. This technology is convenient, secure and its use is increasing globally. For instance, just five years ago, most people wouldn’t even consider using fingerprint scans on their cell phones. However, today this feature is present on most smartphones. Call us @ 0141-4029605. For more detail visit @ https://www.timelabs.in/
First-ever consumer driven fraud mitigation technology
Innovative technological solution to fraud prevention
UPK is a solution that allows an individual to lock and unlock their personal accounts, deployable across a broad range of industries:
Credit cards, debit cards, on-line bank accounts, prepaid, gift cards
On-line commerce accounts (i.e. PayPal)
Meal vouchers, fleet cards, gas cards
On-line, interactive gaming accounts (i.e. PlayStation)
On-line Gambling accounts (i.e. BetWin, Party Gaming)
Airline/hotel mileage/loyalty – online/card accounts
Individuals can lock and unlock their accounts in real-time or set an automatic schedule in the future through any Smart-phone, desktop computer or other mobile device.
Our solution works with all Smart-phone and tablet operating systems (Android, Apple, Windows and Blackberry) as well as with feature phones. The technology seamlessly interfaces with a host’s operating platform (both legacy and state-of-the-art systems) to provide secure, seamless functionality without having any private customer data pass outside their secure, self-contained environment.
Designing client centric digital customer onboarding solutions for the bankin...CarlSteve1
Know Your Customer (KYC) verification is the foundation needed to comply with anti-money laundering (AML) regulations. Implementation of a successful customer onboarding strategy needs an effective KYC verification process. And to meet all these demands, you need a world-class KYC provider.
ECOMMERCE INTEGRATION - Tips to try and traps to avoid for a successful integ...Petrica Dan Ragalie
This white paper discusses tips and potential traps for successfully integrating an ecommerce platform. It emphasizes taking a realistic look at an organization's current state and identifying internal factors that could stymie integration projects. Key steps include getting executive buy-in, building the right cross-functional team, and taking a realistic approach to integration given existing systems and their limitations. The goal is to execute integration confidently while avoiding common issues and costly mistakes.
Why Email Verification in a Mobile-First World: Adaptation and Strategies ||...madhumadhu542020
In today's digital landscape, where mobile devices have become an integral part of our
daily lives, email verification remains a crucial component of online security,
communication, and identity verification. However, as we transition into a mobile-first
world, traditional email verification methods are undergoing significant adaptation to
ensure they remain effective and user-friendly. This article explores the evolving
landscape of email verification and presents strategies to adapt to the mobile-first
paradigm.
Your firm needs to be committed to protecting information assets, including personal data and client documents. As a trusted advisor to our clients, the expectation is that we are aware of threats and are guarding their data. Data privacy and information security are fundamental components of doing business today, no matter how large your firm is.
In this paper we will look at three specific ways of protecting our clients:
1. Protection through our ability to research and improve intellectual capital
2. Protection through policies, procedures and processes
3. Protection by securing client data
The role of biometric identification in the gig economy.pdfBahaa Abdulhadi
The gig economy is a market condition where freelancers and part-timers are more in demand. Many companies today encourage gig workers. This gives them more choice while reducing their expenses.
A Simplified Guide to the Evolution of Authentication!Caroline Johnson
Modern users and customers always demand to improve the security level of their accounts and sensitive information. This applies to both individual users and businesses alike. The trend of highly targeted attacks and the potential to inflict massive damage makes everyone concerned about the safety of their login credentials and business data.
It’s vital that you consider all authentication methods available when prioritizing strong authentication systems. Ultimately, there is no one-size-fits-all solution when it comes to authentication.
With the persistent rise of cyber threats, top credit card processors are making substantial investments in fortifying data security. To know more about this visit: https://webpays.com/credit-card-processing.html
The document discusses myths about lean startups and the lean startup methodology. It dispels the myths that lean means cheap, only applies to web/tech startups, and are only for small companies. It defines a startup as an experiment under conditions of uncertainty and that the goal is to create an institution, not just a product. It introduces the concept of a pivot - changing directions while staying grounded. It advocates for minimizing the total time between learning cycles through continuous customer development, deployment, and measurement to reduce uncertainty and learn faster.
The spread of COVID-19 has prompted many firms to turn to remote or virtual audits to maintain assurance activities while travel restrictions and social distancing measures are in place. Remote auditing involves using techniques like video conferencing, email, and telephone to gather audit evidence instead of on-site meetings and facility tours. While remote auditing allows auditors to avoid travel and focus on higher risks, it also comes with disadvantages like lost direct interaction and inability to audit certain processes requiring physical observation. Planning and communication are critical to ensure remote audits can successfully meet their objectives.
Deloitte is a global network of member firms that provide audit, consulting, tax, and advisory services. The document provides a brief overview of Deloitte and its legal structure as a UK private company limited by guarantee with independent member firms. It notes that certain services may be restricted for public accounting clients and that the publication should not be considered professional advice. It also includes Deloitte's copyright and identifies it as a member of Deloitte Touche Tohmatsu Limited.
Question 1The board of directors is considering updating the fle.docxmakdul
Question 1
The board of directors is considering updating the fleet of vehicles of the company which are used to ship goods to markets all around the United States. They will be leasing the vehicles as opposed to purchasing them outright. Please explain the advantages of leasing and which lease type would be more preferable?
Respond to this... The advantages of leasing include 100% financing at fixed rates and often require no money down from the lessee, protection against obsolescence to the lessee and passing the risk of residual value to the lessor, flexibility, less costly financing, tax advantages such as not having to report an asset or liability for a lease agreement, and off balance sheet financing. (Kieso, Weygandt, & Warfield, 2013).
I would say an operating lease is the more preferable lease options because if the company used a capital lease they would have an increase in the amount of reported debt (both short-term and long-term), have an increase in the amount of total assets (specifically long-lived assets). And they would have a lower income early in the life of the lease and, therefore, lower retained earnings.
“Many companies believe that capital leases negatively impact their financial position: Their debt to total equity ratio increases, and their rate of return on total assets decreases. As a result, the business community resists capitalizing leases. Whether this resistance is well founded is debatable. From a cash flow point of view, the company is in the same position whether accounting for the lease as an operating or a capital lease. Managers often argue against capitalization for several reasons. First, capitalization can more easily lead to violation of loan covenants. It also can affect the amount of compensation received by owners (for example, a stock compensation plan tied to earnings). Finally, capitalization can lower rates of return and increase debt to equity relationships, making the company less attractive to present and potential investors” (Kieso, Weygandt, & Warfield, 2013, pg. 1282).
References
Kieso, D. E., Weygandt, J. J., Warfield, T. D. (2013). Intermediate Accounting, 15th Edition. [VitalSource Bookshelf Online]. Retrieved from https://ambassadored.vitalsource.com/#/books/9781118722671/
Question 2
In some cases, one of the purposes of initiating a business combination is to control your value chain through vertical integration.
Consider the following two independent scenarios:
1. General Motors relies on an unrelated company for a key component
2. General Motors relies on a vertically integrated subsidiary for a key component
Discuss the pros and cons of both scenarios. Specifically address how a subsidiary that provides products only to the parent can be fairly evaluated on performance. What do you believe is the best option for General Motors? Explain.
Respond to this... The cons and pros could be pros and cons for the other.
1. General motors relies on an unrelated company for key compo ...
An estimated 85 percent of companies allow employees to bring their own computers, tablets and smartphones to work and sync them with the organization’s email, file servers and databases. Bring your own device (BYOD) can be advantageous for both employees and corporations but it doesn’t come without risk. 4imprint’s newest Blue Paper®, podcast and infographic, Bring Your Own Device (BYOD) to Work: How It Can Be a Thirst Quencher for Your Company, explores the benefits of BYOD including increased productivity and improved responsiveness and also discusses how organizations can mitigate the associated technology and security risks.
Super Engaged Gen Y & X: Influencing with social technologies, gamification &...Mark Neely
How financial services organisations can use a combination of behavioural economics principles and social media/mobile technologies to better engage with Gen Y and Millennial consumers.
8 Signs You May Be Leaving Revenue on the Table. Hayley Silver, VP of Bizrate Insights & Carly Rosenberg, GM & CMO of Bluefly presented at IRCE 2015 about ways to optimize your users mobile ecommerce experience & red flags to look out for in mobile.
Testing, QA, and QC are processes to ensure software quality. Testing identifies defects through intentional efforts to make software fail. QA ensures quality standards are followed throughout development. QC verifies software meets predefined standards. Together, testing, QA and QC aim to find and fix defects early to deliver high quality software. The document discusses various testing types like black box/white box testing and provides examples of real world software failures caused by a lack of effective testing.
How secure is two factor authentication (2 fa)Jack Forbes
Two-Factor Authentication explained. Read this blog to understand how 2FA works, how secure it is, and what should you implement for your digital consumers.
7 uses-of-biometric-time-attendance-system Time Labs
Biometric Time Attendance System relies on biological and or behavioural characteristics to validate a person’s identity. This technology is convenient, secure and its use is increasing globally. For instance, just five years ago, most people wouldn’t even consider using fingerprint scans on their cell phones. However, today this feature is present on most smartphones. Call us @ 0141-4029605. For more detail visit @ https://www.timelabs.in/
First-ever consumer driven fraud mitigation technology
Innovative technological solution to fraud prevention
UPK is a solution that allows an individual to lock and unlock their personal accounts, deployable across a broad range of industries:
Credit cards, debit cards, on-line bank accounts, prepaid, gift cards
On-line commerce accounts (i.e. PayPal)
Meal vouchers, fleet cards, gas cards
On-line, interactive gaming accounts (i.e. PlayStation)
On-line Gambling accounts (i.e. BetWin, Party Gaming)
Airline/hotel mileage/loyalty – online/card accounts
Individuals can lock and unlock their accounts in real-time or set an automatic schedule in the future through any Smart-phone, desktop computer or other mobile device.
Our solution works with all Smart-phone and tablet operating systems (Android, Apple, Windows and Blackberry) as well as with feature phones. The technology seamlessly interfaces with a host’s operating platform (both legacy and state-of-the-art systems) to provide secure, seamless functionality without having any private customer data pass outside their secure, self-contained environment.
Designing client centric digital customer onboarding solutions for the bankin...CarlSteve1
Know Your Customer (KYC) verification is the foundation needed to comply with anti-money laundering (AML) regulations. Implementation of a successful customer onboarding strategy needs an effective KYC verification process. And to meet all these demands, you need a world-class KYC provider.
ECOMMERCE INTEGRATION - Tips to try and traps to avoid for a successful integ...Petrica Dan Ragalie
This white paper discusses tips and potential traps for successfully integrating an ecommerce platform. It emphasizes taking a realistic look at an organization's current state and identifying internal factors that could stymie integration projects. Key steps include getting executive buy-in, building the right cross-functional team, and taking a realistic approach to integration given existing systems and their limitations. The goal is to execute integration confidently while avoiding common issues and costly mistakes.
Why Email Verification in a Mobile-First World: Adaptation and Strategies ||...madhumadhu542020
In today's digital landscape, where mobile devices have become an integral part of our
daily lives, email verification remains a crucial component of online security,
communication, and identity verification. However, as we transition into a mobile-first
world, traditional email verification methods are undergoing significant adaptation to
ensure they remain effective and user-friendly. This article explores the evolving
landscape of email verification and presents strategies to adapt to the mobile-first
paradigm.
Your firm needs to be committed to protecting information assets, including personal data and client documents. As a trusted advisor to our clients, the expectation is that we are aware of threats and are guarding their data. Data privacy and information security are fundamental components of doing business today, no matter how large your firm is.
In this paper we will look at three specific ways of protecting our clients:
1. Protection through our ability to research and improve intellectual capital
2. Protection through policies, procedures and processes
3. Protection by securing client data
The role of biometric identification in the gig economy.pdfBahaa Abdulhadi
The gig economy is a market condition where freelancers and part-timers are more in demand. Many companies today encourage gig workers. This gives them more choice while reducing their expenses.
A Simplified Guide to the Evolution of Authentication!Caroline Johnson
Modern users and customers always demand to improve the security level of their accounts and sensitive information. This applies to both individual users and businesses alike. The trend of highly targeted attacks and the potential to inflict massive damage makes everyone concerned about the safety of their login credentials and business data.
It’s vital that you consider all authentication methods available when prioritizing strong authentication systems. Ultimately, there is no one-size-fits-all solution when it comes to authentication.
With the persistent rise of cyber threats, top credit card processors are making substantial investments in fortifying data security. To know more about this visit: https://webpays.com/credit-card-processing.html
The document discusses myths about lean startups and the lean startup methodology. It dispels the myths that lean means cheap, only applies to web/tech startups, and are only for small companies. It defines a startup as an experiment under conditions of uncertainty and that the goal is to create an institution, not just a product. It introduces the concept of a pivot - changing directions while staying grounded. It advocates for minimizing the total time between learning cycles through continuous customer development, deployment, and measurement to reduce uncertainty and learn faster.
The spread of COVID-19 has prompted many firms to turn to remote or virtual audits to maintain assurance activities while travel restrictions and social distancing measures are in place. Remote auditing involves using techniques like video conferencing, email, and telephone to gather audit evidence instead of on-site meetings and facility tours. While remote auditing allows auditors to avoid travel and focus on higher risks, it also comes with disadvantages like lost direct interaction and inability to audit certain processes requiring physical observation. Planning and communication are critical to ensure remote audits can successfully meet their objectives.
Deloitte is a global network of member firms that provide audit, consulting, tax, and advisory services. The document provides a brief overview of Deloitte and its legal structure as a UK private company limited by guarantee with independent member firms. It notes that certain services may be restricted for public accounting clients and that the publication should not be considered professional advice. It also includes Deloitte's copyright and identifies it as a member of Deloitte Touche Tohmatsu Limited.
Question 1The board of directors is considering updating the fle.docxmakdul
Question 1
The board of directors is considering updating the fleet of vehicles of the company which are used to ship goods to markets all around the United States. They will be leasing the vehicles as opposed to purchasing them outright. Please explain the advantages of leasing and which lease type would be more preferable?
Respond to this... The advantages of leasing include 100% financing at fixed rates and often require no money down from the lessee, protection against obsolescence to the lessee and passing the risk of residual value to the lessor, flexibility, less costly financing, tax advantages such as not having to report an asset or liability for a lease agreement, and off balance sheet financing. (Kieso, Weygandt, & Warfield, 2013).
I would say an operating lease is the more preferable lease options because if the company used a capital lease they would have an increase in the amount of reported debt (both short-term and long-term), have an increase in the amount of total assets (specifically long-lived assets). And they would have a lower income early in the life of the lease and, therefore, lower retained earnings.
“Many companies believe that capital leases negatively impact their financial position: Their debt to total equity ratio increases, and their rate of return on total assets decreases. As a result, the business community resists capitalizing leases. Whether this resistance is well founded is debatable. From a cash flow point of view, the company is in the same position whether accounting for the lease as an operating or a capital lease. Managers often argue against capitalization for several reasons. First, capitalization can more easily lead to violation of loan covenants. It also can affect the amount of compensation received by owners (for example, a stock compensation plan tied to earnings). Finally, capitalization can lower rates of return and increase debt to equity relationships, making the company less attractive to present and potential investors” (Kieso, Weygandt, & Warfield, 2013, pg. 1282).
References
Kieso, D. E., Weygandt, J. J., Warfield, T. D. (2013). Intermediate Accounting, 15th Edition. [VitalSource Bookshelf Online]. Retrieved from https://ambassadored.vitalsource.com/#/books/9781118722671/
Question 2
In some cases, one of the purposes of initiating a business combination is to control your value chain through vertical integration.
Consider the following two independent scenarios:
1. General Motors relies on an unrelated company for a key component
2. General Motors relies on a vertically integrated subsidiary for a key component
Discuss the pros and cons of both scenarios. Specifically address how a subsidiary that provides products only to the parent can be fairly evaluated on performance. What do you believe is the best option for General Motors? Explain.
Respond to this... The cons and pros could be pros and cons for the other.
1. General motors relies on an unrelated company for key compo ...
An estimated 85 percent of companies allow employees to bring their own computers, tablets and smartphones to work and sync them with the organization’s email, file servers and databases. Bring your own device (BYOD) can be advantageous for both employees and corporations but it doesn’t come without risk. 4imprint’s newest Blue Paper®, podcast and infographic, Bring Your Own Device (BYOD) to Work: How It Can Be a Thirst Quencher for Your Company, explores the benefits of BYOD including increased productivity and improved responsiveness and also discusses how organizations can mitigate the associated technology and security risks.
Super Engaged Gen Y & X: Influencing with social technologies, gamification &...Mark Neely
How financial services organisations can use a combination of behavioural economics principles and social media/mobile technologies to better engage with Gen Y and Millennial consumers.
International Upcycling Research Network advisory board meeting 4Kyungeun Sung
Slides used for the International Upcycling Research Network advisory board 4 (last one). The project is based at De Montfort University in Leicester, UK, and funded by the Arts and Humanities Research Council.
Best Digital Marketing Strategy Build Your Online Presence 2024.pptxpavankumarpayexelsol
This presentation provides a comprehensive guide to the best digital marketing strategies for 2024, focusing on enhancing your online presence. Key topics include understanding and targeting your audience, building a user-friendly and mobile-responsive website, leveraging the power of social media platforms, optimizing content for search engines, and using email marketing to foster direct engagement. By adopting these strategies, you can increase brand visibility, drive traffic, generate leads, and ultimately boost sales, ensuring your business thrives in the competitive digital landscape.
RPWORLD offers custom injection molding service to help customers develop products ramping up from prototypeing to end-use production. We can deliver your on-demand parts in as fast as 7 days.
3. Additional steps, but to the user’s
benefit
Alerts a user who may be running
on autopilot
Prevent users from making
mistakes
Place control back in users hands
1
2
3
4
5. Google’s positive friction helps you prevent the embarrassing follow-up
email apologizing for the missed attachment.
6. Confirming actions is even more
important when money is
involved.
Saves headaches for getting
overpaid money back or
returning mistakenly purchased
items!
Ex.google pay recharge
11. two-step authentication to
enhance account security.
authenticate actions using
biometrics, i.e., using your
fingerprint, voice or face, rather
than sending you a code via a
secondary method,
Ex.Bank apps Exit
13. quotations or a message, a loading circle showing progress and preview of UI
elements to the left and top of the page to shorten the perceived wait time for users.
Ex.Houston Airport
Food choices in a buffet
14. Productivity soars when a
computer and its users interact at a
pace (<400ms) that ensures that
neither has to wait on the other.
In 1982 Walter J. Doherty and Ahrvind J. Thadani
published, in the IBM Systems Journal, a research
paper that set the requirement for computer response
time to be 400 milliseconds, not 2,000 (2 seconds)
which had been the previous standard. When a human
being’s command was executed and returned an
answer in under 400 milliseconds, it was deemed to
exceed the Doherty threshold, and use of such
applications were deemed to be “addicting” to users.
19. Prevent mistakes the user
might otherwise make
Drive positive behavioral
change
Protect a user’s account or
data
Engage a user to make wait
times feel shorter
Give the user an opportunity
to learn?