- Sun Life is an international financial services company that provides insurance and wealth management solutions.
- Sun Life acquired an insurance company called αβ Insurance in the Philippines and seeks to increase advisor productivity, deepen client relationships, and identify growth opportunities.
- An analysis of αβ Insurance data identified high value client clusters based on recency, frequency, and monetary value of policies. Recommendations include focusing on high net worth clients, improving products, and implementing incentive and loyalty programs.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
This document provides a diagnosis and proposed work plan for 2013 for a region. It summarizes performance in 2012, including growth in key metrics but missing some goals. It analyzes what worked and didn't work in 2012 promotions and media. The proposed 2013 work plan focuses on online media like WAP, printed ads, and promotions with carriers. Goals for 2013 include significantly increasing income, investment, new users and active users while modestly improving contribution margin. The plan outlines promotion, content and service strategies and KPI targets quarterly.
This document is a pitch deck for Capture, a startup that helps businesses and individuals track, reduce, and offset their carbon emissions. It summarizes Capture's product which uses GPS to track travel emissions and engage employees through challenges and voting on carbon offsetting projects. It outlines the growing sustainability market opportunity, Capture's business model of per employee subscriptions and offsetting fees, product traction with existing users and companies piloting it, and financial projections targeting over $360k in first year revenue. The deck is asking for a $40k SAFE investment to fund sales, product development, and general operations.
This document presents a feasibility study for a proposed gift card business called ENTERNEUR Gift Card. It finds that gift cards are a popular incentive item and analyzes the target market, competitors, and financial projections for the business. The business would be owned by 6 partners and offer gift cards from major retailers. It projects growing sales over 5 years and estimates sufficient demand in the target market. Financial ratios show the business is expected to be profitable while maintaining reasonable debt levels.
Cox Automotive The Market Landscape - July 2020Philip Nothard
“Welcome to the latest The Market Landscape from Cox Automotive.
We provide automotive industry professionals with unique intelligence, supported by invaluable insight and market sentiment from our customers, that goes beyond the headlines to uncover what’s driving the new and used car sectors from wholesale, retail and funding perspectives. We hope our holistic analysis arms you with the essential knowledge needed to navigate the fast-paced, ever-changing automotive market.”
PHILIP NOTHARD
Insight & Strategy Director
SMB Business Outlook and Spending PlansBredin, Inc.
How are SMBs faring as the pandemic persists? What is their business outlook, and what are their spending plans?
In this webinar you’ll learn:
* The SMB state of mind: business outlook, operational status, and expected time to return to ‘normal’
* SMB priorities and challenges
* Key application usage and purchase plans
* Credit usage and intent – including traditional banks vs. fintech
* Job board usage and intent – including the specific sites they plan to use
* The brands that SMBs trust most
* Key differences among respondents by company size
* How all of these have changed in the past six months
You’ll get terrific insights that you can put to work in your 2022 SMB marketing plans.
Webinar recording - https://register.gotowebinar.com/recording/2253221902084314883
Annual PAR Powerpoint Presentation SlidesSlideTeam
It has PPT slides covering wide range of topics showcasing all the core areas of your business needs. This complete deck focuses on Annual PAR Powerpoint Presentation Slides and consists of professionally designed templates with suitable graphics and appropriate content. This deck has total of fifty one slides. Our designers have created customizable templates for your convenience. You can make the required changes in the templates like colour, text and font size. Other than this, content can be added or deleted from the slide as per the requirement. Get access to this professionally designed complete deck PPT presentation by clicking the download button below. https://bit.ly/3tPwK15
Kotak Mahindra Bank launched a new suite of credit cards in 2008 including gold and platinum cards. The summary analyzes Kotak's credit card business through statistics, SWOT analysis, strategic planning teams, customer relationships, security enhancements, costs and revenues, and a proposed media plan. Key points are that Kotak has a large customer base but fewer ATMs than competitors, and opportunities exist in niche markets and partnerships while threats include strong competitors. The document outlines strategies for improving the credit card business across various dimensions.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
This document provides a diagnosis and proposed work plan for 2013 for a region. It summarizes performance in 2012, including growth in key metrics but missing some goals. It analyzes what worked and didn't work in 2012 promotions and media. The proposed 2013 work plan focuses on online media like WAP, printed ads, and promotions with carriers. Goals for 2013 include significantly increasing income, investment, new users and active users while modestly improving contribution margin. The plan outlines promotion, content and service strategies and KPI targets quarterly.
This document is a pitch deck for Capture, a startup that helps businesses and individuals track, reduce, and offset their carbon emissions. It summarizes Capture's product which uses GPS to track travel emissions and engage employees through challenges and voting on carbon offsetting projects. It outlines the growing sustainability market opportunity, Capture's business model of per employee subscriptions and offsetting fees, product traction with existing users and companies piloting it, and financial projections targeting over $360k in first year revenue. The deck is asking for a $40k SAFE investment to fund sales, product development, and general operations.
This document presents a feasibility study for a proposed gift card business called ENTERNEUR Gift Card. It finds that gift cards are a popular incentive item and analyzes the target market, competitors, and financial projections for the business. The business would be owned by 6 partners and offer gift cards from major retailers. It projects growing sales over 5 years and estimates sufficient demand in the target market. Financial ratios show the business is expected to be profitable while maintaining reasonable debt levels.
Cox Automotive The Market Landscape - July 2020Philip Nothard
“Welcome to the latest The Market Landscape from Cox Automotive.
We provide automotive industry professionals with unique intelligence, supported by invaluable insight and market sentiment from our customers, that goes beyond the headlines to uncover what’s driving the new and used car sectors from wholesale, retail and funding perspectives. We hope our holistic analysis arms you with the essential knowledge needed to navigate the fast-paced, ever-changing automotive market.”
PHILIP NOTHARD
Insight & Strategy Director
SMB Business Outlook and Spending PlansBredin, Inc.
How are SMBs faring as the pandemic persists? What is their business outlook, and what are their spending plans?
In this webinar you’ll learn:
* The SMB state of mind: business outlook, operational status, and expected time to return to ‘normal’
* SMB priorities and challenges
* Key application usage and purchase plans
* Credit usage and intent – including traditional banks vs. fintech
* Job board usage and intent – including the specific sites they plan to use
* The brands that SMBs trust most
* Key differences among respondents by company size
* How all of these have changed in the past six months
You’ll get terrific insights that you can put to work in your 2022 SMB marketing plans.
Webinar recording - https://register.gotowebinar.com/recording/2253221902084314883
Annual PAR Powerpoint Presentation SlidesSlideTeam
It has PPT slides covering wide range of topics showcasing all the core areas of your business needs. This complete deck focuses on Annual PAR Powerpoint Presentation Slides and consists of professionally designed templates with suitable graphics and appropriate content. This deck has total of fifty one slides. Our designers have created customizable templates for your convenience. You can make the required changes in the templates like colour, text and font size. Other than this, content can be added or deleted from the slide as per the requirement. Get access to this professionally designed complete deck PPT presentation by clicking the download button below. https://bit.ly/3tPwK15
Kotak Mahindra Bank launched a new suite of credit cards in 2008 including gold and platinum cards. The summary analyzes Kotak's credit card business through statistics, SWOT analysis, strategic planning teams, customer relationships, security enhancements, costs and revenues, and a proposed media plan. Key points are that Kotak has a large customer base but fewer ATMs than competitors, and opportunities exist in niche markets and partnerships while threats include strong competitors. The document outlines strategies for improving the credit card business across various dimensions.
Genesis Equity Research initiates coverage of LinkedIn with a buy rating and $608 price target. LinkedIn is expanding its online recruiting business through growing its member base and expanding services. It faces no strong direct competitors, giving it pricing power. The premium valuation reflects LinkedIn's strength in connecting all professionals on one platform and creating a social network for business. Revenues are expected to grow at 51% annually through 2018, driven by increased customers and higher prices for Talent Solutions. Registered members are projected to reach 837 million by 2018, making LinkedIn the largest professional social network. Risks include competition, pricing strategy, poor mobile experience, and lack of user engagement.
The document provides information on female investment and small- and medium-sized enterprises (SMEs). It includes statistics on gender representation in private equity, venture capital, and corporate investments. Some key figures presented include that 5.8% of companies raising capital between May 2020-2021 had at least one female founder, and valuations and amounts raised have increased more for male-led companies than female-led companies over the past 5 years. The document also provides an overview of the technology platform that analyzes gender data and examples of how clients use the insights.
Everead - Make News into Video- a marketing planBrent Leung
Everead makes news into videos, is a startup prototype developed by my team in a marketing course.
Everead want to connect people and information, and provide a new way to consume information and to achieveing our mission, information delivered by technology, interest magnified by people
The document discusses certain forward-looking statements regarding Infosys' future growth prospects and financial performance that involve risks and uncertainties. It notes key risks such as execution of business strategy, attracting and retaining talent, transition to hybrid work model, economic uncertainties, and regulatory changes. The document provides Infosys' market position, business segments, and financial highlights. It also outlines the company's strategic priorities such as continuing digital intensity, next generation technologies, people development and sustainability to achieve continued growth.
The CMO Survey: Highlights and Insights [August 2016]Filipp Paster
The document summarizes key findings from the 17th administration of The CMO Survey conducted in August 2016. 427 CMOs responded to questions about their outlook on the economy, company growth strategies, marketing budgets, and spending. Key findings include CMOs being more optimistic about their own companies than the overall economy, investments focusing on existing markets and offerings, marketing budgets expected to increase 7.2% on average in the next year, and continued growth in digital marketing spending outpacing traditional advertising.
The CMO Survey Highlights and Insights August 2016christinemoorman
The document summarizes key findings from The CMO Survey, an online survey of over 400 top U.S. marketers administered twice a year. The survey tracks trends in marketing spending, strategies, and performance. Key findings from the most recent survey include: marketing budgets are expected to increase 7.2% in the next 12 months, digital marketing spending continues growing at a slower rate than previous years, and firm performance metrics increased across the board in the last 12 months including sales, profits, and brand value.
[DNTS2019 - EverWin] Tài liệu thuyết trình vòng 1 Chung kếtKhải Tiên
Tesco is considering expanding into the Vietnamese market and needs to determine the best strategies for entry and channel deployment. The document analyzes the Vietnamese retail landscape, consumer behaviors, potential channels such as convenience stores and supermarkets, and makes a recommendation for Tesco to utilize a 2-in-1 mini store chain model supported by a mobile app and digital in-store utilities. Financial projections are also provided to evaluate the viability of different expansion options.
Accenture is a global consulting and outsourcing firm with operations in the Americas, EMEA, and APAC regions. It has experienced positive revenue growth in recent years due to increased demand for outsourcing services, investments in new technologies like cloud and analytics, and acquisitions that expand its domain expertise. Accenture has also shown profitability even under difficult economic conditions. Based on financial forecasts and valuation analyses comparing Accenture to competitors, the author concludes that Accenture's $60 billion market valuation is supported by its experience across industries and geographies, and that its shares are fairly valued based on assumed growth rates and discount rates.
The document compares the 2016 brand valuation league tables from Interbrand, Millward Brown, and Brand Finance, finding little consistency between the three, with only 37 brands appearing on all three lists and valuations of the same brand differing by an average of 2.4x. While brand valuation methodologies are conceptually robust, significant subjectivity exists in how each calculates brand values. The inconsistency undermines using brand valuation to prove the business value of marketing.
This document brings together a set
of latest data points and publicly
available information relevant for
IoT & AR Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
The document discusses challenges facing the newspaper industry and potential solutions. It analyzes trends showing declines in print advertising revenue and insufficient growth in digital advertising and subscriptions to offset the declines. The document advocates that newspapers must diversify revenue streams through organic growth of new products and acquisitions of other marketing channels to provide cross-channel solutions and services. This will allow newspapers to sell audiences rather than just products or ads.
The document provides an overview of Commonwealth Bank of Australia's retail banking services business. It discusses progress made in revitalizing the bank's distribution network through a new tiered branch operating model, enhancing customer experience, and improving cross-sell performance. Key metrics such as increased customer satisfaction, lower complaints, improved staff engagement, and growing market share are highlighted. The presentation also notes momentum in the bank's home loans, deposits, and credit card portfolios, with a focus on profitable growth while maintaining high portfolio quality.
With this study, we distill and prescribe characteristics, practices and best-in-class methods associated with "fast growers,“ which we define as companies with GAAP revenue growth rates of 30% or higher. As discovered in previous years and validated again this year, the central driving force for fast growers is the appropriate, aligned go-to-market model executed with excellence and coupled with financial discipline and investment.
Use this report to compare your business to like companies in the Edison portfolio, as well as industry guidance. These benchmarks and advice will enable you to map your own plan and journey to becoming a fast grower, or accelerate even faster to a $100M company.
For the annual FLG offsite, I gave this presentation on understanding SaaS metrics and using them for fundraising. Several people have DM'd me for the presentation, so I'm posting it here.
- Wipro Limited presented its investor presentation for the quarter ended June 30, 2023.
- Some key highlights included that IT services revenue grew 6.1% year-over-year to $2.78 billion for the quarter. Operating margins for IT services was 16%, up 112 basis points year-over-year.
- Large deal bookings grew 9% year-over-year for the quarter with $1.2 billion total contract value signed in 10 large deals. Voluntary attrition continued to moderate to an 8-quarter low of 14% for the quarter.
The CMO Survey Highlights and Insights February 2015christinemoorman
The CMO Survey collects and disseminates the opinions of top marketers in order to predict the future of markets, track marketing excellence, and improve the value of marketing in firms and in society.
The document discusses the IDFC Core Equity Fund, a large and mid cap equity fund that invests in both large and mid cap stocks. It aims to provide the steady returns of large caps with the higher growth potential of mid caps. The fund uses a 3-factor model to identify quality stocks with strong cash generation, high returns on capital, and manageable debt levels. Currently, it has a cyclical sector bias and overweight positions in sectors like cement and IT. The fund performance has outpaced benchmarks over the past 1 and 3 years.
IDFC Core Equity Fund is an open-ended equity scheme that invests in both large and mid-cap stocks. The fund aims to provide the steady returns of large caps along with the higher growth potential of mid caps. It uses a 3-factor model to identify quality stocks with strong cash generation, high returns on capital, and manageable debt levels. Currently, the fund focuses on analyzing financial track records, relative value, and sector outlooks. It has a larger allocation to cyclical sectors compared to its benchmark index and is overweight in sectors like cement and information technology.
This document provides an overview and summary of TIM Brasil's 3Q19 financial results. Some key highlights include:
- Service revenues grew 1.0% YoY in 3Q19, with gradual and continuous growth acceleration.
- EBITDA grew 6.8% YoY in 3Q19, with EBITDA margin expanding to 39.6% in 3Q19 from 37.9% in 3Q18.
- Solid cash generation with R$4.2 billion in service revenues and R$1.7 billion in EBITDA in 3Q19.
STATATHON: Unleashing the Power of Statistics in a 48-Hour Knowledge Extravag...sameer shah
"Join us for STATATHON, a dynamic 2-day event dedicated to exploring statistical knowledge and its real-world applications. From theory to practice, participants engage in intensive learning sessions, workshops, and challenges, fostering a deeper understanding of statistical methodologies and their significance in various fields."
Genesis Equity Research initiates coverage of LinkedIn with a buy rating and $608 price target. LinkedIn is expanding its online recruiting business through growing its member base and expanding services. It faces no strong direct competitors, giving it pricing power. The premium valuation reflects LinkedIn's strength in connecting all professionals on one platform and creating a social network for business. Revenues are expected to grow at 51% annually through 2018, driven by increased customers and higher prices for Talent Solutions. Registered members are projected to reach 837 million by 2018, making LinkedIn the largest professional social network. Risks include competition, pricing strategy, poor mobile experience, and lack of user engagement.
The document provides information on female investment and small- and medium-sized enterprises (SMEs). It includes statistics on gender representation in private equity, venture capital, and corporate investments. Some key figures presented include that 5.8% of companies raising capital between May 2020-2021 had at least one female founder, and valuations and amounts raised have increased more for male-led companies than female-led companies over the past 5 years. The document also provides an overview of the technology platform that analyzes gender data and examples of how clients use the insights.
Everead - Make News into Video- a marketing planBrent Leung
Everead makes news into videos, is a startup prototype developed by my team in a marketing course.
Everead want to connect people and information, and provide a new way to consume information and to achieveing our mission, information delivered by technology, interest magnified by people
The document discusses certain forward-looking statements regarding Infosys' future growth prospects and financial performance that involve risks and uncertainties. It notes key risks such as execution of business strategy, attracting and retaining talent, transition to hybrid work model, economic uncertainties, and regulatory changes. The document provides Infosys' market position, business segments, and financial highlights. It also outlines the company's strategic priorities such as continuing digital intensity, next generation technologies, people development and sustainability to achieve continued growth.
The CMO Survey: Highlights and Insights [August 2016]Filipp Paster
The document summarizes key findings from the 17th administration of The CMO Survey conducted in August 2016. 427 CMOs responded to questions about their outlook on the economy, company growth strategies, marketing budgets, and spending. Key findings include CMOs being more optimistic about their own companies than the overall economy, investments focusing on existing markets and offerings, marketing budgets expected to increase 7.2% on average in the next year, and continued growth in digital marketing spending outpacing traditional advertising.
The CMO Survey Highlights and Insights August 2016christinemoorman
The document summarizes key findings from The CMO Survey, an online survey of over 400 top U.S. marketers administered twice a year. The survey tracks trends in marketing spending, strategies, and performance. Key findings from the most recent survey include: marketing budgets are expected to increase 7.2% in the next 12 months, digital marketing spending continues growing at a slower rate than previous years, and firm performance metrics increased across the board in the last 12 months including sales, profits, and brand value.
[DNTS2019 - EverWin] Tài liệu thuyết trình vòng 1 Chung kếtKhải Tiên
Tesco is considering expanding into the Vietnamese market and needs to determine the best strategies for entry and channel deployment. The document analyzes the Vietnamese retail landscape, consumer behaviors, potential channels such as convenience stores and supermarkets, and makes a recommendation for Tesco to utilize a 2-in-1 mini store chain model supported by a mobile app and digital in-store utilities. Financial projections are also provided to evaluate the viability of different expansion options.
Accenture is a global consulting and outsourcing firm with operations in the Americas, EMEA, and APAC regions. It has experienced positive revenue growth in recent years due to increased demand for outsourcing services, investments in new technologies like cloud and analytics, and acquisitions that expand its domain expertise. Accenture has also shown profitability even under difficult economic conditions. Based on financial forecasts and valuation analyses comparing Accenture to competitors, the author concludes that Accenture's $60 billion market valuation is supported by its experience across industries and geographies, and that its shares are fairly valued based on assumed growth rates and discount rates.
The document compares the 2016 brand valuation league tables from Interbrand, Millward Brown, and Brand Finance, finding little consistency between the three, with only 37 brands appearing on all three lists and valuations of the same brand differing by an average of 2.4x. While brand valuation methodologies are conceptually robust, significant subjectivity exists in how each calculates brand values. The inconsistency undermines using brand valuation to prove the business value of marketing.
This document brings together a set
of latest data points and publicly
available information relevant for
IoT & AR Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
The document discusses challenges facing the newspaper industry and potential solutions. It analyzes trends showing declines in print advertising revenue and insufficient growth in digital advertising and subscriptions to offset the declines. The document advocates that newspapers must diversify revenue streams through organic growth of new products and acquisitions of other marketing channels to provide cross-channel solutions and services. This will allow newspapers to sell audiences rather than just products or ads.
The document provides an overview of Commonwealth Bank of Australia's retail banking services business. It discusses progress made in revitalizing the bank's distribution network through a new tiered branch operating model, enhancing customer experience, and improving cross-sell performance. Key metrics such as increased customer satisfaction, lower complaints, improved staff engagement, and growing market share are highlighted. The presentation also notes momentum in the bank's home loans, deposits, and credit card portfolios, with a focus on profitable growth while maintaining high portfolio quality.
With this study, we distill and prescribe characteristics, practices and best-in-class methods associated with "fast growers,“ which we define as companies with GAAP revenue growth rates of 30% or higher. As discovered in previous years and validated again this year, the central driving force for fast growers is the appropriate, aligned go-to-market model executed with excellence and coupled with financial discipline and investment.
Use this report to compare your business to like companies in the Edison portfolio, as well as industry guidance. These benchmarks and advice will enable you to map your own plan and journey to becoming a fast grower, or accelerate even faster to a $100M company.
For the annual FLG offsite, I gave this presentation on understanding SaaS metrics and using them for fundraising. Several people have DM'd me for the presentation, so I'm posting it here.
- Wipro Limited presented its investor presentation for the quarter ended June 30, 2023.
- Some key highlights included that IT services revenue grew 6.1% year-over-year to $2.78 billion for the quarter. Operating margins for IT services was 16%, up 112 basis points year-over-year.
- Large deal bookings grew 9% year-over-year for the quarter with $1.2 billion total contract value signed in 10 large deals. Voluntary attrition continued to moderate to an 8-quarter low of 14% for the quarter.
The CMO Survey Highlights and Insights February 2015christinemoorman
The CMO Survey collects and disseminates the opinions of top marketers in order to predict the future of markets, track marketing excellence, and improve the value of marketing in firms and in society.
The document discusses the IDFC Core Equity Fund, a large and mid cap equity fund that invests in both large and mid cap stocks. It aims to provide the steady returns of large caps with the higher growth potential of mid caps. The fund uses a 3-factor model to identify quality stocks with strong cash generation, high returns on capital, and manageable debt levels. Currently, it has a cyclical sector bias and overweight positions in sectors like cement and IT. The fund performance has outpaced benchmarks over the past 1 and 3 years.
IDFC Core Equity Fund is an open-ended equity scheme that invests in both large and mid-cap stocks. The fund aims to provide the steady returns of large caps along with the higher growth potential of mid caps. It uses a 3-factor model to identify quality stocks with strong cash generation, high returns on capital, and manageable debt levels. Currently, the fund focuses on analyzing financial track records, relative value, and sector outlooks. It has a larger allocation to cyclical sectors compared to its benchmark index and is overweight in sectors like cement and information technology.
This document provides an overview and summary of TIM Brasil's 3Q19 financial results. Some key highlights include:
- Service revenues grew 1.0% YoY in 3Q19, with gradual and continuous growth acceleration.
- EBITDA grew 6.8% YoY in 3Q19, with EBITDA margin expanding to 39.6% in 3Q19 from 37.9% in 3Q18.
- Solid cash generation with R$4.2 billion in service revenues and R$1.7 billion in EBITDA in 3Q19.
STATATHON: Unleashing the Power of Statistics in a 48-Hour Knowledge Extravag...sameer shah
"Join us for STATATHON, a dynamic 2-day event dedicated to exploring statistical knowledge and its real-world applications. From theory to practice, participants engage in intensive learning sessions, workshops, and challenges, fostering a deeper understanding of statistical methodologies and their significance in various fields."
Analysis insight about a Flyball dog competition team's performanceroli9797
Insight of my analysis about a Flyball dog competition team's last year performance. Find more: https://github.com/rolandnagy-ds/flyball_race_analysis/tree/main
The Building Blocks of QuestDB, a Time Series Databasejavier ramirez
Talk Delivered at Valencia Codes Meetup 2024-06.
Traditionally, databases have treated timestamps just as another data type. However, when performing real-time analytics, timestamps should be first class citizens and we need rich time semantics to get the most out of our data. We also need to deal with ever growing datasets while keeping performant, which is as fun as it sounds.
It is no wonder time-series databases are now more popular than ever before. Join me in this session to learn about the internal architecture and building blocks of QuestDB, an open source time-series database designed for speed. We will also review a history of some of the changes we have gone over the past two years to deal with late and unordered data, non-blocking writes, read-replicas, or faster batch ingestion.
Beyond the Basics of A/B Tests: Highly Innovative Experimentation Tactics You...Aggregage
This webinar will explore cutting-edge, less familiar but powerful experimentation methodologies which address well-known limitations of standard A/B Testing. Designed for data and product leaders, this session aims to inspire the embrace of innovative approaches and provide insights into the frontiers of experimentation!
4th Modern Marketing Reckoner by MMA Global India & Group M: 60+ experts on W...Social Samosa
The Modern Marketing Reckoner (MMR) is a comprehensive resource packed with POVs from 60+ industry leaders on how AI is transforming the 4 key pillars of marketing – product, place, price and promotions.
Learn SQL from basic queries to Advance queriesmanishkhaire30
Dive into the world of data analysis with our comprehensive guide on mastering SQL! This presentation offers a practical approach to learning SQL, focusing on real-world applications and hands-on practice. Whether you're a beginner or looking to sharpen your skills, this guide provides the tools you need to extract, analyze, and interpret data effectively.
Key Highlights:
Foundations of SQL: Understand the basics of SQL, including data retrieval, filtering, and aggregation.
Advanced Queries: Learn to craft complex queries to uncover deep insights from your data.
Data Trends and Patterns: Discover how to identify and interpret trends and patterns in your datasets.
Practical Examples: Follow step-by-step examples to apply SQL techniques in real-world scenarios.
Actionable Insights: Gain the skills to derive actionable insights that drive informed decision-making.
Join us on this journey to enhance your data analysis capabilities and unlock the full potential of SQL. Perfect for data enthusiasts, analysts, and anyone eager to harness the power of data!
#DataAnalysis #SQL #LearningSQL #DataInsights #DataScience #Analytics
The Ipsos - AI - Monitor 2024 Report.pdfSocial Samosa
According to Ipsos AI Monitor's 2024 report, 65% Indians said that products and services using AI have profoundly changed their daily life in the past 3-5 years.
ViewShift: Hassle-free Dynamic Policy Enforcement for Every Data LakeWalaa Eldin Moustafa
Dynamic policy enforcement is becoming an increasingly important topic in today’s world where data privacy and compliance is a top priority for companies, individuals, and regulators alike. In these slides, we discuss how LinkedIn implements a powerful dynamic policy enforcement engine, called ViewShift, and integrates it within its data lake. We show the query engine architecture and how catalog implementations can automatically route table resolutions to compliance-enforcing SQL views. Such views have a set of very interesting properties: (1) They are auto-generated from declarative data annotations. (2) They respect user-level consent and preferences (3) They are context-aware, encoding a different set of transformations for different use cases (4) They are portable; while the SQL logic is only implemented in one SQL dialect, it is accessible in all engines.
#SQL #Views #Privacy #Compliance #DataLake
State of Artificial intelligence Report 2023kuntobimo2016
Artificial intelligence (AI) is a multidisciplinary field of science and engineering whose goal is to create intelligent machines.
We believe that AI will be a force multiplier on technological progress in our increasingly digital, data-driven world. This is because everything around us today, ranging from culture to consumer products, is a product of intelligence.
The State of AI Report is now in its sixth year. Consider this report as a compilation of the most interesting things we’ve seen with a goal of triggering an informed conversation about the state of AI and its implication for the future.
We consider the following key dimensions in our report:
Research: Technology breakthroughs and their capabilities.
Industry: Areas of commercial application for AI and its business impact.
Politics: Regulation of AI, its economic implications and the evolving geopolitics of AI.
Safety: Identifying and mitigating catastrophic risks that highly-capable future AI systems could pose to us.
Predictions: What we believe will happen in the next 12 months and a 2022 performance review to keep us honest.
1. Asia Data & Analytics Hackathon
April 21, 2023
SQL Group
2. Sun Life is a leading international financial
services company that provides a variety of
insurance products, as well as wealth and
asset management solutions, for both
individuals and corporations.
Sun Life managed to maintain its status as a
company that could balance growth, client
commitments, and employee welfare. The
end of the decade marked the year when
the regional office was transferred from
Hong Kong to Manila.
Sun Life Philippines begins with more focus
on its Asian identity as Sun Life Far-East
Division became Sun Life Asia-Pacific
Division.
Background of Sun Life
Source: https://www.sunlife.com.ph/en/about-us/who-we-are/
3. Situation
• Sun Life Asia has
recently acquired an
insurance company “αβ
Insurance” in
Philippines.
Complication
• Challenge to increase
Advisor Productivity.
• Deepen relationship
with Client.
• Identifying
opportunities to grow
business.
Question
• How to increase
advisor productivity?
• How to deepen
relationship with
client?
• How to identify
opportunities to grow
the business?
SCQ Framework of Problem Solving for Sun Life Asia Philippines
4. Data Analysis and Findings
◦ Four data sets related to αβ Insurance such as client, advisor, policy, and beneficiary data have been combined and
analyzed to find some insight with the following findings:
1. RFM Framework & Customer Demographic
2. Sales distribution channel
3. Sales spikes due to large manpower increase
4. New recruits from 2018 – 2022 are most effective on their 1st year
5. New recruits are more efficient in targeting high value clients
◦
5. RFM stands for Recency, Frequency, and Monetary. We would like to understand our clients based on:
• R : Recency, how long a client has been with us (loyalty)
duration (in months) between client’s first policy issue date up until now*
• F : Frequency, how frequent a client has been buying our products
Measured by total coverage count for all policies owned by clients
• M : Monetary, how much money a client has spent on our products
Measured by total AFYP for all policies owned by clients
Defining client value based on RFM approach
Jan 1st, 2018
1st policy
coverage count = 3
AFYP = 1 mio
Nov 1st, 2018
2nd policy
coverage count = 1
AFYP = 1.5 mio
Mar 1st, 2020
3rd policy
coverage count = 1
AFYP = 1 mio
Example
Based on this diagram, RFM metrics for this client are
• R : 48 months (1st Jan 2018-31st Jan 2022)
• F : 5
• M : 3.5 mio
*) Now refers to currently used valuation date. In this report, we set valuation date to 31 Jan 2023
Jan 31st 2022
Jan 1st , 2018
6. Finding High Value Clients Based on RFM Approach
Avg AFYP
per Client
Avg Coverage
Count per Client
Contribution to
Total AFYP
Contribution to
Total # of Policies
Bronze 57,165 2.51 2.5% 19.49%
Silver 147,346 3.32 6.5% 20.37%
Gold 407,603 4.08 21.5% 27.21%
Diamond 1,302,679 5.37 69.5% 32.93%
Median 116,014 4.00 - -
Figure 1
Percentage of Clients per Cluster
Figure 2
Client Cluster general statistics
All figures are calculated as total of In-force policies per client from 2015 to 2022
Based on RFM approach, we can group 127,033 active clients into 4 different clusters*
Bronze, lowest value overall, no action needed.
Silver, focus on increasing engagements.
Gold, focus on uplift and bundling strategies.
Diamond, highest value, need to provide special treatments to ensure loyalty.
Policies issued from Diamond clients consisted 33% of all in-force policies and contribute 70% of total AFYP (Figure 2).
*) Details for Clustering derivation can be seen on the Appendix
7. Customer Geographic & Demographic
Demographic
• Gender
Our customers are mostly Male 68,68%
(21,591clients).
• Occupation
Most of customer occupation are professional
(33,43%) and entrepreneur/business (18,33%).
• Age
The largest customer segment by age is the
Millennial Generation with age range of 26-35
years old (28,1%).
Geographic
• Location:
Based on location, active clients are
concentrated in:
• Manila : 36.848 clients
• Metro manila : 15,259 clients
• Batangas : 8,936 clients
• Bulacan : 8,871 clients
• Pangasinan : 5,581 clients
2 big cities are Manila (28,72%) &
Metro Manila (12,01%),
Income Level per Client Cluster
Yearly Income Bronze Silver Gold Diamond
0 - 250,000 49% 24% 11% 0%
250,000 - 500,000 39% 39% 32% 10%
500,000 - 750,000 8% 19% 17% 18%
750,000 - 1,000,000 1% 6% 7% 10%
1,000,000 - 1,250,000 1% 7% 12% 16%
1,250,000 - 1,500,000 0% 1% 2% 3%
1,500,000 - 1,750,000 0% 1% 4% 6%
1,750,000 - 2,000,000 0% 0% 1% 2%
2,000,000 - 2,250,000 0% 1% 4% 8%
2,250,000 - 2,500,000 0% 0% 0% 1%
> 2,500,000 0% 1% 8% 27%
Bronze and Silver are mostly concentrated on
the lower-end of yearly income level while Gold
and Diamond are more varied.
Moreover, Diamond has the highest percentage
of client with income level > 2.5 million (27%)
compared to other clusters.
9. Sales spikes due to large manpower increase
Figure 1 Agent recruitment trend 2018 - 2022 Figure 2 Sales trend 2018 – 2022
Agent recruitment spikes correlates
with Sales spikes in 2021
As expected from the norm within insurance landscape, agency manpower recruitments (Figure 1)
is one of the main driver of sales (Figure 2).
The trend is most prominent in 2021, in which spikes in agency recruitments also resulting in
spikes in sales.
10. New recruits from 2018 – 2022 are most effective on their 1st year
Figure 1 Sales trend 2018 – 2022 split by Policy Writing Agent recruitment year Figure 2 AFYP in millions, split by Agent recruitment year (row)
Most sales are from
agent recruited within
the same year
2015 2016 2017 2018 2019 2020 2021 2022
2012 374 443 409 594 428 398 357 467
2013 545 430 616 580 628 522 484 779
2014 470 411 397 431 932 393 423 524
2015 349 408 554 376 371 367 472 345
2016 - 312 259 190 157 484 177 146
2017 - - 651 217 257 210 266 192
2018 - - - 1,425 198 263 185 187
2019 - - - - 3,201 699 952 631
2020 - - - - - 8,639 1,107 **3,968
2021 - - - - - - 15,560 2,019
2022 - - - - - - - 7,569
Policy Issue Year
Agnt. Recruit Year
*) As an example, this means that from all agents recruited in year 2020, they generate 8.6 bio in 2020,
1.1 bio in 2021, and 3.97 bio in 2022
**) Outlier in Feb 2022
*
Sales spikes in year 2020, 2021, and 2022 are mostly generated from agent recruited within the same year
(Figure 1).
Sales from new recruits in 2018 onwards were significantly higher on 1st year (Figure 2, green) compared to sales
generated prior to 2018 (Figure 2, pink).
However, the following year sales are not persistence. For instance, 2018 recruits recorded 1.42 billion sales on 1st
year, but only managed to achieve 0.2 billion sales on 2nd year (Figure 2, yellow).
Notes: Sales from Agent recruited 2015 or earlier are not shown in this chart
Significantly higher on 1st year sales, but sales on the following years are not as high
11. New recruits are more efficient in targeting high value clients
Figure 1 Average AFYP per Active Agent*, in millions, split by Agent recruitment year (row) Figure 2 Policy average case sizeº in millions, split by Agent recruitment year (row)
2015 2016 2017 2018 2019 2020 2021 2022
2012 0.64 0.75 0.69 1.01 0.72 0.67 0.60 0.80
2013 0.76 0.60 0.86 0.81 0.87 0.72 0.68 1.11
2014 0.60 0.53 0.51 0.55 1.19 0.50 0.53 0.67
2015 0.52 0.62 0.83 0.55 0.56 0.55 0.70 0.54
2016 - 0.37 0.47 0.33 0.29 0.86 0.34 0.28
2017 - - 0.55 0.34 0.39 0.31 0.40 0.31
2018 - - - 1.48 0.37 0.49 0.34 0.36
2019 - - - - 1.22 0.63 0.87 0.64
2020 - - - - - 1.92 0.58 ***2.22
2021 - - - - - - 3.63 0.76
2022 - - - - - - - 4.03
Policy Issue Year
Agnt. Recruit Year
**
*) Active Agent refers to agent who have sales on that year
**) As an example, this means that from all Active Agents recruited in year 2020, on average they generated 1.92 mio in 2020, 0.58 mio in 2021, and 2.22 mio in 2022
***) Outlier in Feb 2022
º) Average case size measure how much AFYP per policy has on average
New recruits from 2018 onwards are more efficient in targeting high value clients. On the 1st year, AFYP per
Active Agent generated from recruited agent in 2018 onwards (Figure 1, green) is higher than pre-2018
figures (Figure 1, pink).
In addition, we also see increase in average case size on the 1st year (Figure 2, green).
2015 2016 2017 2018 2019 2020 2021 2022
2012 0.21 0.24 0.23 0.34 0.24 0.22 0.20 0.29
2013 0.25 0.20 0.28 0.27 0.29 0.24 0.23 0.40
2014 0.32 0.28 0.26 0.29 0.62 0.26 0.28 0.38
2015 0.25 0.30 0.39 0.27 0.27 0.27 0.34 0.27
2016 0.21 0.36 0.25 0.21 0.65 0.26 0.22
2017 0.25 0.25 0.30 0.24 0.30 0.24
2018 0.49 0.26 0.36 0.25 0.27
2019 0.52 0.51 0.73 0.54
2020 0.62 0.46 ***1.85
2021 0.53 0.51
2022 0.50
Significantly higher AFYP per Active Agent, indicating improvements in efficiency Higher average case size on 1st year
12. New recruits are more efficient in targeting high value clients (Continued)
Notes: Sales from Agent recruited 2015 or earlier are not shown in this chart
Figure 2 Sales trend 2018 – 2022 split by Policy Writing Agent recruitment year
Figure 1 Sales trend 2018 – 2022 split by Cluster
As expected, sales spikes are contributed by policies from Gold & Diamond clients (Figure 1).
As a reminder, we can correlate Figure 1 with Figure 2, further supporting that sales generated from
Agents recruited 2018 onward are efficiently targeted on high value clients, that is Gold & Diamond
clients.
13. Recommendation to Increase Advisor Productivity
1. Conduct deeper review on sold products, as current line of products seems
unattractive in reaching larger market
2. Focus on high-net-worth clients
3. Incentivize agents who reached PHP 1.5 millions via agent reward contest
• Active Agent*,
As explained, manpower growth is one of the main driver of AFYP growth, especially during the peaks in 2021.
Mass agent recruitments in this year proved to be highly successful, new agents are more efficient in targeting
high value clients on their 1st year.
However, the problem is this sales performance is not persistent. We assumed those agents brought their old
clients on the 1st year, thus in part explaining the trend.
Hence, we suspect some factors contributing to the problem, that is: (1) unattractive products, (2) low focus on
high-net-worth clients,
(3) low incentive for agent to keep sales persistent.
Remarks
14. Recommendation to Deepen Relationship With Client
1. Maximize current client profile to better serve and tap into potential market
2. Perform bundling and uplift strategies for Gold clients based on their demographics
3. Create customer loyalty program in the form of member-get-member for Diamond clients Active
Agent*,
Understanding our client demographics enable us to increase our business qualities in many ways.
By displaying general customer profile in dashboard, we can utilize the information provided to arrange better
business strategies, such as :
- Increase brand awareness by focusing on marketing and promotion programs in high customer population area
(Manila, Metro Manila, Batangas, Bulacan, Pangasinan).
- Develop new product that suit based on the most potential occupation group (Businessman & Managers), with
age ranged between 22-35.
As we already explained, different clusters have their own characteristics hence requiring different business
strategies:
- Gold cluster: most of the clients have decent disposable income (although are not the highest) and highly
engaged with our product. This opens an opportunity for us to sell more of our products using bundling
schemes or uplift their existing Insurance Coverages.
- Diamond cluster: most clients have high income (> 2.5 million / year) along with Large Policy Coverages. To
get the best out of them, we provide customer loyalty program to maintain their loyalty.
Remarks