The document provides an overview of e-business applications including e-business strategy, e-marketing, e-CRM, e-procurement, e-SCM, and e-payment systems. It discusses the objectives of e-business strategy including cutting costs, boosting productivity, and attracting new customers. It also outlines the major stages of analyzing and implementing an e-business strategy including assessing the current environment, establishing strategic targets, and transitioning to the new strategy.
Ecommerce Today: Successes and FailuresChirag Parmar
E-commerce has evolved since the late 1990s.Companies and individuals have been using e-commerce to do business; furthermore, it allows people to do shopping online.Many have succeeded and many had failed as well.
Let us now look at the reasons for the success and failure.
According to Gartner, Big Data will be the next “disruptive technology” and will transform customer relationship management industry.The possibilities that Big Data offers are endless but companies first need to invest in CRM software
Marketing process optimization technologies are emerging everywhere. Yet none address all of the needs a corporate marketer has and none fit the definition of a complete, integrated enterprise marketing management system. But that doesn't mean you shouldn't start implementing EMM today.
As marketing dollars continue to shift into digital channels, a new class of software applications has emerged to help automate and integrate digital marketing activities, from customer acquisition through retention and loyalty programs. The JEGI Sector Insights brief provides an overview of this EMM Stack of applications that are helping marketers address the growing complexity of digital campaign execution. Demand is strong, and budgets are sizable, for a new class of digital marketing services required to build and maintain the Stack. These services actually look more like technology consulting and IT services. The outlook for growth in this new services category is attracting new providers to the market and is driving continued growth in the Stack and a vibrant M&A market.
Ecommerce Today: Successes and FailuresChirag Parmar
E-commerce has evolved since the late 1990s.Companies and individuals have been using e-commerce to do business; furthermore, it allows people to do shopping online.Many have succeeded and many had failed as well.
Let us now look at the reasons for the success and failure.
According to Gartner, Big Data will be the next “disruptive technology” and will transform customer relationship management industry.The possibilities that Big Data offers are endless but companies first need to invest in CRM software
Marketing process optimization technologies are emerging everywhere. Yet none address all of the needs a corporate marketer has and none fit the definition of a complete, integrated enterprise marketing management system. But that doesn't mean you shouldn't start implementing EMM today.
As marketing dollars continue to shift into digital channels, a new class of software applications has emerged to help automate and integrate digital marketing activities, from customer acquisition through retention and loyalty programs. The JEGI Sector Insights brief provides an overview of this EMM Stack of applications that are helping marketers address the growing complexity of digital campaign execution. Demand is strong, and budgets are sizable, for a new class of digital marketing services required to build and maintain the Stack. These services actually look more like technology consulting and IT services. The outlook for growth in this new services category is attracting new providers to the market and is driving continued growth in the Stack and a vibrant M&A market.
The digital is changing the landscape of Communication. Learn the various features, benefits and options of the digital platform that can be best suited to make your brand go viral !
Gain insight into the businesses with the greatest need for your technology with the
NEW Ci Technology Database. Harte-Hanks has expanded the Ci Technology Database to include over 4 million business locations and 6 million decision-makers so you can reach more potential buyers without busting your budget.
We\'ve identified the business locations with significant IT purchasing power and then scored them based on their need for specific technologies including computer software, hardware, networking, systems and storage and telecommunications. And, we’ve identified key contacts within those businesses most likely to be involved in the IT decision-making process.
Generate higher response rates and maximize ROI by targeting the businesses and decision-makers that matter the most with the NEW Ci Technology Database. Contact the experts at Harte-Hanks today.
Are you a B2B marketer that struggles to keep the pipeline fully stocked with a steady flow of high-quality leads? Have no fear! Regardless of your company’s size or industry, you can generate better leads, nurture them through the pipeline, and close deals faster.
Join us to learn how adding marketing automation to your CRM strategy will change the way you do business—and keep your sales funnel forever flowing.
eCRM: How to build strong customer relations with Re(al-time)MarketingSemetis
eCRM presentation @Semetis event of 23-Nov-12: How to build strong one2one relations with Client Remarketing Management? How to build strong customer relations with Re(al-time)Marketing?
The digital is changing the landscape of Communication. Learn the various features, benefits and options of the digital platform that can be best suited to make your brand go viral !
Gain insight into the businesses with the greatest need for your technology with the
NEW Ci Technology Database. Harte-Hanks has expanded the Ci Technology Database to include over 4 million business locations and 6 million decision-makers so you can reach more potential buyers without busting your budget.
We\'ve identified the business locations with significant IT purchasing power and then scored them based on their need for specific technologies including computer software, hardware, networking, systems and storage and telecommunications. And, we’ve identified key contacts within those businesses most likely to be involved in the IT decision-making process.
Generate higher response rates and maximize ROI by targeting the businesses and decision-makers that matter the most with the NEW Ci Technology Database. Contact the experts at Harte-Hanks today.
Are you a B2B marketer that struggles to keep the pipeline fully stocked with a steady flow of high-quality leads? Have no fear! Regardless of your company’s size or industry, you can generate better leads, nurture them through the pipeline, and close deals faster.
Join us to learn how adding marketing automation to your CRM strategy will change the way you do business—and keep your sales funnel forever flowing.
eCRM: How to build strong customer relations with Re(al-time)MarketingSemetis
eCRM presentation @Semetis event of 23-Nov-12: How to build strong one2one relations with Client Remarketing Management? How to build strong customer relations with Re(al-time)Marketing?
An employer's perspective on teaching essential employability skillsLindsey Fair, MBA
From an employer's perspective this study highlights the need for a shift in leadership of who's driving the essential employability skills (EES) agenda from governments and institutions to employers and students. Success with student-demanded career placements, especially those in hyper-competitive marketplaces, are proving to be more related to EES than to the program of study. A variety of resources are being directed to teaching employability skills at many post-secondary institutions; however, no
significant EES gap improvements have been noted in the last decade.
Through a qualitative study using open-ended interview, this research sheds light on what EES gaps exist among employers, who should lead the development of EES, and
how best youth entering the labour market should develop the EES they will need to succeed.
18 educational models for use the DIGITAL WHITEBOARD (DWB)PERE MARQUES
18 educational models for use the DIGITAL WHITEBOARD (DWB).
Includes activities for interactive whiteboard (IWB), document reader and electronic voting systems
This talk was given at the responsive web design event at Manchester Metropolitan university on December 5th 2012. It looks at responsive design from the standards perspective, starting with history, and how we got to where we are now, and looking at the technologies available for practicing RWD in the modern day and in the near future.
This video is presented by USEP's BSCS student Ailene L. Madato, under Mr. ND Arquillano as a partial fulfillment for Elective 4 -E-Commerce.
It talks about ( TOpics 1-14).
How to Achieve World Class Customer Experience through Insightful IT Bobhallahan
An amazing overview of how some of the Worlds top companies are achieving awesome customer experience through ingenious IT and brilliant Data intelligence, resulting in massive customer loyalty, repeat business monetization and sky high profits.
Municipal
13 Teams
__
Average talent teams that get along well with each other are more productive than gifted teams that don’t get along. It doesn’t matter how well a team with low emotional intelligence is in control of the numbers. They can’t even decide what to try to do.
14 Stress
___
Difficulties at work and in our relationships put us under stress. Stress makes it difficult for us to find solutions to problems. When we can’t find solutions to problems, we get more stressed. To get rid of this dead end, we need to know how to manage our stressful situations.
15 Marriage
____
The secret of long and happy marriages is sincerity in your feelings. If your marriage was not built on this basis of intimacy from the very beginning, it will begin to crack over the years. Even small problems become unsolvable. You have to be emotionally open at the beginning of the road.
16 Leadership
______
Leadership does not mean dominance. Leading your colleagues to a common goal and making them believe in the reality of this purpose. Successful leaders are those who can keep their team’s motivation alive for many years. You have to make them desire the work to be done.
17. Emotions Are All Normal
___
Anger, hatred, love, happiness… You can understand when and under what circumstances these feelings will emerge by following yourself. You may have these feelings depending on how you interpret the events you encounter. The important thing is to be able to react independently of your feelings. You may find yourself making promises that you cannot keep because you are happy, or you may resort to violence when you are angry.
18/ Being able to Express Your Emotions
____
Not everyone’s level of empathy can be very good. You may be in a difficult situation immediately. You may feel bad, but people may not understand it. In these situations, you may need to express your feelings a little more directly.
19/You Are Not Your Emotions
______
Keep doing what you need to do, no matter how you feel. Success is achieved by people who cannot give up no matter what their feelings and thoughts are. Don’t let your feelings affect your actions.
20/ Timing
__
As soon as you feel a different emotion, try to think before you act. Because emotional intelligence moves faster than rational intelligence, it can make you act irrationally and make you say any unnecessary words.
Thanks for reading
~ 𝗧𝗼𝗻𝗴𝘀𝗮 𝗚𝘂𝘆
Book:- https://amzn.to/3XsVTz2.13 Teams
__
Average talent teams that get along well with each other are more productive than gifted teams that don’t get along. It doesn’t matter how well a team with low emotional intelligence is in control of the numbers. They can’t even decide what to try to do.
14 Stress
___
Difficulties at work and in our relationships put us under stress. Stress makes it difficult for us to find solutions to problems. When we can’t find solutions to problems, we get more stressed. To get rid of this dead end, we need to know how to manage our st
Outbound Lead Generation With Best Lead Mining Tools In 2024.pdfSendEngage
Outbound lead generation refers to the process of identifying and reaching out to potential customers or clients who have not yet expressed interest in a product or service. Unlike inbound lead generation, where customers come to you through channels like content marketing or referrals, outbound lead generation involves proactive outreach efforts.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
2. Contents of units 3
• E-business strategy, definition, objectives
• Analysis & implementation of e-business strategy
• E-marketing: meaning, areas, planning, strategy and implementation
• Internet Advertising
• E-CRM, Meaning, technology for CRM and applications
• E-procurement: Meaning, drives, risks and implementation
• E-SCM: meaning, focus and implementation
• E-Payment systems: meaning, pre and post paid payments systems
• E-cash
3. E-business Strategy
• E-business strategies help the business organizations to do the
businesses on to the international scene at minimal cost but
with maximum efficiency. Various business models of E-
business provide the companies to achieve the higher benefits
with less cost and labour.
• E-business strategy also defines how an organization gains
value internally from using electronic networks, such as
through sharing employee knowledge and improving process
efficiencies through intranets.
4. Objectives of e-business strategy
• Cutting total cost (reducing service and sales costs)
• Boosting productivity by integrating business processes
• Bringing new growth by retaining actual customers and
attracting new ones
• Innovation and collaborative design
• Mass customization
• Customer self-service
6. Major Stages Initiate Diagnose
Assess Current Environment
Breakout
Establish Strategic
Target
Transition
Industry Company
• Outline project
scope
• Identify project
stakeholders
• Determine
project schedule
• Industry
Competitive
Assessment
• Benchmark E-
business
technology
• Assess industry
business
partnerships
• Identify current
business
strategies
• Assess customer
relationships
• Assess supplier
relationships
• Assess e-
business
technology
• Assess business
partnerships
• Match current
business
strategies with
SWOT;
• Evaluate
alternative E-
business breakout
strategies
• Analyse difference
between breakout
and current
strategy;
• Assess change mgt.
& cost/benefit/risk
analysis;
• Consider industry
responses
• Plot out milestones
for strategy
Outputs Project Work Plan Opportunities and
Threats
Strengths and
Weaknesses
E-business breakout
strategy
E-business transition
strategy
E-Business Strategy Stages
7. Stage-I &II
Stage-I:
• Outline project scope;
• Identify stakeholders;
• Determine schedule;
• Project workplan.
Stage-II: Diagnose -
Industry Analysis
• Industry definition;
• Identify major customers;
• Identify major competitors
and their capabilities;
(Study on Rayban)
• Benchmark E-business
technology;
• Apply Porter’s 5 Forces.
8. How the Internet Influences Industry Structure
Bargaining Power
over Suppliers
Rivalry amongst
exisiting Competitors
Barriers to
Entry
Buyers
Bargaining Power
of Channels
Bargaining Power
of End-users
Threat of Substitutes
(+/-) Procurement using the
Internet tends to raise bargaining
power over suppliers, though it can
also give suppliers access to more
customers
(-) The Internet provides a channel
for suppliers to reach end users,
reducing the leverage of intervening
companies
(-) Internet procurement and digital
markets tend to give all companies
equal access to suppliers, and
gravitate procurement to standard
products that reduce differentiation
(-) Reduced barriers to entry and
proliferation of competitors
downstream shifts power to
suppliers
(-) Reduces difference among
competitors as offerings are difficult to
keep proprietary
(-) Migrates competition to price
(-) Widens the geographic market,
increasing the number of competitors
(-) Reduces barriers to entry such as the need for a sales
force, access to channels, and physical assets - anything that
Internet technology eliminates or makes easier to reduce
barriers to entry
(-) Internet applications are difficult to keep proprietary from
new entrants
(-) A flood of new entrants has come into many industries
(+) Eliminates powerful
channels or improves
bargaining power over
traditional channels
(-) Shifts bargaining
power to end
consumers
(-) Reduces switching
costs
(+) By making the overall industry more efficient, the
Internet can expand the size of the market
(-) The proliferation of Internet approaches creates
new substitution threats
9. Stage II - Diagnose - Company Analysis
Identify current business strategies;
Assess company Customers;
Assess company Suppliers;
Assess company E-business technologies;
Use Value Chain to identify areas where IT can add value.
Output - SWOT Analysis.
11. Steps in e-Business Implementation
Stepwise Launch of Business Propositions
StepwiseITImplementation
Pre-LaunchLaunch&GrowthOptimisation
Full e-Business
Providing web-presence and
informational services
Web-enabled
Business
Operations
Static
Web-site
Searchable
Dynamic Web
Site
Order Entry:
Sales & Service
via the ‘Net
Integration with
Production Systems &
Business Customers
Retail
Transactions
Next
generation e-
Business
13. Concept of e-marketing
• E-Marketing is defined as the
marketing of products or services
over the internet.
• E-marketing is also called as
Internet marketing or i-
marketing or web marketing or
online marketing.
14. emarketing
• eMarketing is achieving marketing objectives through use of
electronic communications technology or digital technology.
• These digital technologies include Internet media such as web
sites and e-mail as well as other digital media such as
wireless or mobile and media for delivering digital Television
such as cable and satellite.
15. E-MARKETING TOOLS
E-Marketing tools and strategies include:
• Business websites;
• Search Engine;
• Email;
• Online newsletters/e-zines;
• Online catalogues;
• Online press releases;
• Online surveys;
• Online customer service;
• Banner advertising;
• Affiliate marketing.
• Mobile telephone marketing;
• Online Community (Friendster, YouTube) - new
• Web Log (Blog) - new
16. The e-Marketing Concept
The objectives of marketing are to:
• get the right product
• promoted in the right way
• sold at the right price
• distributed at the right place
• profitably
17. THE E-MARKETING
CONCEPT
Examples of e-Marketing include:
• online surveys to conduct market research
• web site to display and sell your products
• internet advertising to promote your
business
• software to collect and analyse your
customer information
18. THE E-MARKETING
CONCEPT
The Key to e-Marketing:
• The key to successful e-Marketing in today's
business environment is to place your clients in
control. Allow them to choose how often and what
type of messages they receive, thus creating a
more meaningful relationship with your business.
• This is commonly referred to as Permission
Marketing.
• Your e-Marketing messages and tools should aim
to deliver information that the consumer wants -
that they perceive to be valuable.
19. INTEGRATING E-MARKETING
INTO YOUR BUSINESS
• e-Marketing is not an alternative to your existing
Marketing Plan, in fact you may already have a
"Marketing Plan" that identifies your marketing
objectives, outlines your key strategies designed
to achieve those objectives, and guides your
daily marketing activities.
• With e-Marketing you can develop techniques to
enhance this existing plan to make your
marketing activities more effective (smarter)
more efficient (cheaper) and you may even find
that you can tap into new markets both locally
and overseas.
20. HOW WOULD E-MARKETING
ENHANCE MY EXISTING
MARKETING PLAN
• With the use of internet-based product
catalogues you can reduce your printing
costs and maintain a higher quality of
product information for your customers.
• By utilising marketing information systems
you can analyse your sales information to
make more informed decisions and
customers all over the world can view your
products with a website.
21. CAN MY BUSINESS AFFORD E-
MARKETING?
• The cost of e-Marketing depends on which
strategies you choose to implement.
• Any business can start using simple e-Marketing
techniques such as email, newsletters, computer
based data management and internet research by
purchasing a computer and connecting to the
internet which can be achieved for less than
$2,000.
• Businesses can also spend many thousands of
dollars utilizing the services of a professional e-
Marketing firm to create and implement a
complete e-Marketing package. The choice is
yours!
22. The Marketing Process
• A comprehensive marketing process and
resulting Marketing Plan is critical for the
success of your business.
• An effective marketing process should
provide you with the information, strategies
and solutions to any and all obstacles you
might encounter along the way in building
and running a successful and profitable
business.
23. E-MARKETING TOPICS
• Affiliate Program
• Search Engine Optimization
• Email Campaigns
• Banner Exchange
• Business Website
• Mobile Phone Marketing
25. Internet Advertising
• Online advertising is a form of promotion that
uses the Internet and World Wide Web for the
expressed purpose of delivering marketing
messages to attract customers.
• Examples of online advertising include
contextual ads on search engine results pages,
banner ads, Rich Media Ads, Social network
advertising, online classified advertising,
advertising networks and e-mail marketing,
including e-mail spam.
26. Internet Advertising
• Internet advertising is very similar to TV and radio advertising. The
programs are offered as a free service; commercial advertising pays the
expenses. The same is true of Internet advertising. The information is
free, with the costs defrayed by advertising.
• A major advantage of Internet advertising is the ability to attract
a specific target audience. This advantage is limited or
nonexistent in other forms of media advertising. With the Internet, ads
are directed towards the right group of people.
• Internet ads are known as banners. Virtually all banners are
links to other sites, but there are still those few that are just meant to
be seen, like billboards. One advantage of Internet advertising is that it
opens new possibilities to spread messages to a targeted audience. By
advertising to a particular group, chance of success are indeed great.
31. How Internet Advertising works?
There are various Internet advertising techniques:
1. The ad owner pays a fixed amount for each person who
visits the page with the ad.
2. The ad owner pays a fixed amount for each click on an ad
that links to the advertisers' web site.
3. The ad owner pays a fixed rate to have his advertisement
posted for a specified duration.
4. The ad owner has the option of either promoting their
product or service through survey based contests in their site.
32. e-PROCUREMENT
• E-Procurement is the purchasing of goods and services using the
internet.
• It Covers full life cycle of purchasing (indent to receipt of goods).
• e-procurement connects buyers and suppliers through electronic exchange
of Tenders, catalogs, contracts, Pos, invoices etc.
• Typically, e-procurement Web sites allow qualified and registered users
to look for buyers or sellers of goods and services. Depending on the
approach, buyers or sellers may specify costs or invite bids.
37. ADVANTAGES OF e-PROCUREMENT
• In reality e-procurement has the advantage of
taking supply chain management to the next
level, providing real time information to the
vendor as to the status of a customer's needs.
For example, a vendor may have an agreement
with a customer to automatically ship materials
when the customer's stock level reaches a low
point, thus bypassing the need for the customer
to ask for it.
• Eg: the e-procurement website of Government
of Andhra Pradesh is:
www.eprocurement.gov.in
38. Electronic Payment Systems
E-payment systems comprise payment
services over the network for goods and
services procured.
Electronic payment system consists of :
1. Buyer
2. Seller
3. Payment gateway
4. Buyer’s bank (issuer of the payment
instrument)
5. Seller’s bank ( acquirer)
39. Prepaid payment systems
These include:
1. Prepaid cards
2. Internet Accounts/Wallet/Purse
3. Mobile Accounts/Wallet/Purse
4. Remittance Cards ( Domestic or
International)
40. Prepaid Cards
Prepaid cards function under two programs:
1. Under open-loop, cards are accepted and
processed across the globe at any Master
card/Visa or similar merchants across the
globe besides these cards can also be
used to withdraw the money from the card
using ATMs
2. In a closed loop program, acceptance is
limited to specific geographic locations,
generally domestic.
41.
42. Internet accounts/wallets/purse
These are classified into:
1. Internet bank accounts
2. Internet virtual accounts with cash
withdrawal across the globe
3. Wallets/ purse for specific usages with
no cash withdrawal.
43.
44. Mobile Accounts
• Mobile banking account with all features of
traditional banking and cash
Remittance:
Across the globe; no limits and specified
value for specific transaction and total
during the year.
45.
46. Credit Cards
• CREDIT DEFINITIONS
• Credit
• Trust given to another person for future payment of a loan, credit
card balance, etc.
• Creditor
• A person or company to whom a debt is owed.
• Applying for a credit card — potential creditors obtain information
from you, about you, and about the economy
– Personal information
• Cash inflows
• Cash outflows
• Credit history
• Capital
• Collateral
47. WHAT IS A CREDIT SCORE?
• A credit score is a number that helps a lender predict
how likely an individual is to repay a loan, or make credit
payments on time.
• A credit score is a number that changes as the elements
in a credit report change.
• A credit score has broad use and impact. Your credit
past is your credit future.
48. Credit Cards
• Credit check
– Credit report: a statement of creditworthiness
based on information such as whether you
have made late payments, and any unpaid
current bills
– Credit scoring often determines whether or
not you are approved for credit
49. Credit Cards
– Interpreting credit ratings
• High ratings usually provide easy credit approval
• How ratings make obtaining credit difficult
50. e-CASH
• Electronic Cash (also known as electronic money,
electronic currency, digital money, digital cash or
digital currency) refers to money or scrip which is
exchanged only electronically.
• Typically, this involves use of computer networks,
the internet and digital store value systems.
Electronic Funds Transfer (EFT) and direct deposit
are examples of electronic money. Also, it is a
collective term for financial cryptography and
technologies enabling it.
• ECash is a legal form of computer-based currency
that can be securely purchased and withdrawn by
credit card, Cheque, certified cheques, wire
Editor's Notes
Write the term “credit score” on the board, flipchart, or blank transparency.
• Ask participants to define the term.
• Debrief participants by showing “Slide 1: What Is a Credit Score?”
Talking points for Slide 1:
A credit score is a number that tells a lender how likely an individual is to repay a loan, or make credit payments on time. When a lender requests a credit report and score from a credit reporting agency, the score is calculated by a scoring model — a statistical mathematical equation that evaluates many types of information from your credit report at that agency. By comparing this information to the patterns in thousands of past credit reports, scoring identifies your level of credit risk.
There are several different credit scoring models that are used today. Examples of different models include the FICO score, which was developed by Fair, Isaac and Company, Inc. and is used by many mortgage lenders; and the VantageScoreSM, which was developed jointly by the three credit reporting companies.
FICO scores, which are one of the most common credit scoring systems used by lenders, range between 350 and 850. With these scores, a higher number credit scoring systems consider a variety of factors, such as number of credit accounts, total credit available, amount of outstanding debt and late payment record.
The VantageScoreSM was created in 2006 as a more consistent way for the agencies to develop credit scores. In the past, each credit reporting company used its own formula to create its credit scores. The new system allows each company to use the same formula and create a more consistent credit score. The VantageScoreSM ranges from 501 to 990 and includes a rating system similar to an academic grading system (A-F grades). The higher the score, the more creditworthy a consumer is considered to be.
• Ask participants how their credit score impacts their life.
• Write down responses on flipchart paper.
• Responses may include: to get a loan, to get a job, to get an apartment, to get a mortgage loan, to get homeowner’s insurance, and to get car insurance.
Discuss the broad use and impact of credit scores. In addition to banks and lenders, there are landlords, employers, merchants, and even insurance companies that are also using credit scores. Note: A credit reporting agency may only provide a copy of your file when the request relates to the extension of credit, collection of a debt, housing rental, an application for employment, or for insurance purposes.
Discuss the following example of how credit scores can impact how much you pay for car insurance:
To most, it seems that credit histories and driving records have little in common. Insurers, on the other hand, have found that using credit scores to predict how likely someone is to pay premiums has helped them cut their losses. They don’t use the same score that banks and lenders use. Instead, they use an insurance score, which is generated based on a slightly different formula. Research has shown that consumers with better insurance scores generally file fewer claims and have lower insurance losses. Insurers’ use of credit histories to determine rates is under scrutiny nationwide.
