The document discusses building change that customers will notice in the banking industry. It notes that while some phrases don't change, their meanings have evolved over time. Customer preferences for channels have also shifted, with in-person interactions still preferred for opening accounts but online and mobile growing significantly. Younger customers and wealthier segments prefer more digital options. The document advocates understanding customer data and channel preferences to provide a consistent experience across applications and locations. Building agility requires organizing channels together, taking action on insights continuously, and reviewing processes for extension to other channels.
Findings of Symantec's 2010 State of the Data Center study. Now in its third year, the study found that mid-sized enterprises (2,000 to 9,999 employees) are more likely to adopt cutting-edge technologies such as cloud computing, deduplication, replication, storage virtualization, and continuous data protection than small or large enterprises to reduce IT costs and manage increasing complexity.
The cost of creating video for the Web has plummeted, but it is still one of the most expensive elements of many Web site or Web 2.0 initiatives. Publishers want results—and it’s up to you to get them. In today’s world, your video needs to be in several places simultaneously, with great hooks bringing users back to your Web site. In this session you’ll learn how to become a hyper-syndicator, publishing your video to devices including cell phones, laptops, and televisions. Video publishing may start with an embed code, but so much more is possible—and this session will show you how to take advantage of the best opportunities available.
Findings of Symantec's 2010 State of the Data Center study. Now in its third year, the study found that mid-sized enterprises (2,000 to 9,999 employees) are more likely to adopt cutting-edge technologies such as cloud computing, deduplication, replication, storage virtualization, and continuous data protection than small or large enterprises to reduce IT costs and manage increasing complexity.
The cost of creating video for the Web has plummeted, but it is still one of the most expensive elements of many Web site or Web 2.0 initiatives. Publishers want results—and it’s up to you to get them. In today’s world, your video needs to be in several places simultaneously, with great hooks bringing users back to your Web site. In this session you’ll learn how to become a hyper-syndicator, publishing your video to devices including cell phones, laptops, and televisions. Video publishing may start with an embed code, but so much more is possible—and this session will show you how to take advantage of the best opportunities available.
"2012 KPCB Internet Trends Year-End Update"Jim Porter
Other tidbits:
Meeker’s data show 2.4 billion Internet users worldwide, a number that’s still growing eight percent yearly.
There are 1.1 billion smartphone subscribers worldwide — but that’s still just 17 percent of the global cellphone market.
29 percent of adults in the U.S. now own either a tablet or an e-reader.
Mobile devices now account for 13 percent of worldwide Internet traffic, up from 4 percent in 2010.
Mobile app and advertising revenue has grown at an annual rate of 129 percent since 2008, and now tops $19 billion.
Mobile traffic app Waze has been adding users faster than all GPS makers combined have sold personal navigation units, and it’s been that way since the beginning of 2012.
Life Insurance industry has been witnessing low persistency (a policy's ability to be active and sustained premium payment)rate hence the proactive need for customer retention and maximizing renewal premium collection and need for monitoring the performance of intermediaries and agents could gain immense value from deriving highly usable recommendations.
The need for such inferences, importantly in a timely basis can't be more important than now as the rightful and the revised guidelines by the regulator ensures the need to minimize wrong selling, increased persistency and performance of all the stakeholders in Life Insurance to make business a flourishing one.
How did the evolving need of the industry coupled with constant change in market and competitive landscape was married and focused approaches were espoused through with tangible benefits on Customer Value Retention and Maximization & agent's performance improvement were met.
What are the recommendations from Sameer to individuals & enterprises who intend to devise their Analytical Vision for their respective organization, what are the areas to be considered before embarking such a journey
.
Discover the 9 signs of misalignment in your organisation. If you have got any one of them, contact Morphos for a complimentary consultancy session. Resolve these issues and see your business take flight!
Using PEAKS Personality Profiling Technology to assess person-culture-job fit of candidate for recruitment. Contact Louis at louis@morphos-intl.com for a complimentary consultation on your recruitment and training needs.
PEAKS (Purpose . Energy . Affirmation . Knowledge . Sustainability) is a global on-line psychometric technology developed by Research Communication International (RCI) that measures and optimizes human potential at all levels of organizations and societies. The PEAKS Profiling Technology is applicable for use in personal, team and partnership development; organisational development interventions, career coaching, selection planning, recruitment, career profiling and leadership development toward PEAK PERFORMANCE. Your PEAKS profile captures and tracks individual development in domains such as:
Personal Development
Team & Partnership Orientation
Leadership Development
Career Development
Entrepreneurial Advancement
Educational/ Learning Development
Organisational Development
Family Development
Community Development
PEAKS is based on extensive research employing best practices in leadership, personality and resilience development. It is a strength-focused tool that assesses the innate potential within individuals and aligns the best in everyone to the PEAKS they have chosen to scale
Personality scores are normed against industrial benchmarks and are based on a large databank of actual empirical data collected through corporate research. PEAKS gives individuals the knowledge necessary for scaling heights of achievement. As they conquer PEAK after PEAK, they become more than conquerors.
The PEAKS approach is integrative and holistic and is applicable for use for entire organisations in developing and tracking personal, team, leadership & management development/ benchmarking; mentoring, career coaching, selection, talent management, succession planning, job profiling and various aspects of individual, team and organizational development towards PEAK PERFORMANCE.
A highly acclaimed definitive model for describing personality differences, some of the key components to the PEAKS Profiling Technology include:
Personality has five dimensions (P.E.A.K.S)
Scores on the dimensions will fall along a normal distribution (or a Bell Curve)
Personality is best described by individual traits than type groups
The strength of individual scores indicates personality preferences
People who score in the middle range of the scales will have a combination of traits
Organizations that want to be up-to-date and remove biases from the workplace are turning to the PEAKS PROFILE as their internal personality model of choice since it offers so much depth and understanding for employees and program participants.
To succeed, you need to innovate VALUE.
To survive, you need to maximise PROFIT.
To sustain, you need to empower PEOPLE.
Let Morphos be your partner for change and create a sustainable high-performing business!
Call us at (+65) 6749 5850 or email Louis at louis@morphos-intl.com
PEAKS (Purpose. Energy. Affirmation. Knowledge. Sustainability) personality profiling is created based on extensive research using best practices in Leadership, Personality and Resilience Development and the Five Factor Model.
Our professional coaches, trainers and consultants utilise PEAKS to:
• Align the shared purpose of the organization
• Position the right person in the right place for growth
• Strengthen team collaboration and create synergy
• Develop leadership quality for succession planning
• Implement competitive people management strategies
We welcome all enquiries from interested parties.
Flexi Personnel Ltd is a HR Company that was founded in 2008. It is currently the fastest growing HR firm in Kenya offering a wide range of services including Headhunting and Executive selection, Outsourced Labor management, HR Outsourcing, Outsourced Payroll Management, HR consultancy, Psychometric Assessments and Expatriate Services and relocation support.
What makes us a unique Recruitment and Outsourcing Agency in Kenya, and the whole of Africa, is our systematic approach and listening to our clients’ recruitment and payroll needs. We've offered and will continue offering appropriate solutions to our clients. We only forward candidates within the client’s specification. As a Recruitment firm, integrity and value are key elements of our Recruitment, Staff Outsourcing, Payroll Management, and HR Consultancy services.
"2012 KPCB Internet Trends Year-End Update"Jim Porter
Other tidbits:
Meeker’s data show 2.4 billion Internet users worldwide, a number that’s still growing eight percent yearly.
There are 1.1 billion smartphone subscribers worldwide — but that’s still just 17 percent of the global cellphone market.
29 percent of adults in the U.S. now own either a tablet or an e-reader.
Mobile devices now account for 13 percent of worldwide Internet traffic, up from 4 percent in 2010.
Mobile app and advertising revenue has grown at an annual rate of 129 percent since 2008, and now tops $19 billion.
Mobile traffic app Waze has been adding users faster than all GPS makers combined have sold personal navigation units, and it’s been that way since the beginning of 2012.
Life Insurance industry has been witnessing low persistency (a policy's ability to be active and sustained premium payment)rate hence the proactive need for customer retention and maximizing renewal premium collection and need for monitoring the performance of intermediaries and agents could gain immense value from deriving highly usable recommendations.
The need for such inferences, importantly in a timely basis can't be more important than now as the rightful and the revised guidelines by the regulator ensures the need to minimize wrong selling, increased persistency and performance of all the stakeholders in Life Insurance to make business a flourishing one.
How did the evolving need of the industry coupled with constant change in market and competitive landscape was married and focused approaches were espoused through with tangible benefits on Customer Value Retention and Maximization & agent's performance improvement were met.
What are the recommendations from Sameer to individuals & enterprises who intend to devise their Analytical Vision for their respective organization, what are the areas to be considered before embarking such a journey
.
Discover the 9 signs of misalignment in your organisation. If you have got any one of them, contact Morphos for a complimentary consultancy session. Resolve these issues and see your business take flight!
Using PEAKS Personality Profiling Technology to assess person-culture-job fit of candidate for recruitment. Contact Louis at louis@morphos-intl.com for a complimentary consultation on your recruitment and training needs.
PEAKS (Purpose . Energy . Affirmation . Knowledge . Sustainability) is a global on-line psychometric technology developed by Research Communication International (RCI) that measures and optimizes human potential at all levels of organizations and societies. The PEAKS Profiling Technology is applicable for use in personal, team and partnership development; organisational development interventions, career coaching, selection planning, recruitment, career profiling and leadership development toward PEAK PERFORMANCE. Your PEAKS profile captures and tracks individual development in domains such as:
Personal Development
Team & Partnership Orientation
Leadership Development
Career Development
Entrepreneurial Advancement
Educational/ Learning Development
Organisational Development
Family Development
Community Development
PEAKS is based on extensive research employing best practices in leadership, personality and resilience development. It is a strength-focused tool that assesses the innate potential within individuals and aligns the best in everyone to the PEAKS they have chosen to scale
Personality scores are normed against industrial benchmarks and are based on a large databank of actual empirical data collected through corporate research. PEAKS gives individuals the knowledge necessary for scaling heights of achievement. As they conquer PEAK after PEAK, they become more than conquerors.
The PEAKS approach is integrative and holistic and is applicable for use for entire organisations in developing and tracking personal, team, leadership & management development/ benchmarking; mentoring, career coaching, selection, talent management, succession planning, job profiling and various aspects of individual, team and organizational development towards PEAK PERFORMANCE.
A highly acclaimed definitive model for describing personality differences, some of the key components to the PEAKS Profiling Technology include:
Personality has five dimensions (P.E.A.K.S)
Scores on the dimensions will fall along a normal distribution (or a Bell Curve)
Personality is best described by individual traits than type groups
The strength of individual scores indicates personality preferences
People who score in the middle range of the scales will have a combination of traits
Organizations that want to be up-to-date and remove biases from the workplace are turning to the PEAKS PROFILE as their internal personality model of choice since it offers so much depth and understanding for employees and program participants.
To succeed, you need to innovate VALUE.
To survive, you need to maximise PROFIT.
To sustain, you need to empower PEOPLE.
Let Morphos be your partner for change and create a sustainable high-performing business!
Call us at (+65) 6749 5850 or email Louis at louis@morphos-intl.com
PEAKS (Purpose. Energy. Affirmation. Knowledge. Sustainability) personality profiling is created based on extensive research using best practices in Leadership, Personality and Resilience Development and the Five Factor Model.
Our professional coaches, trainers and consultants utilise PEAKS to:
• Align the shared purpose of the organization
• Position the right person in the right place for growth
• Strengthen team collaboration and create synergy
• Develop leadership quality for succession planning
• Implement competitive people management strategies
We welcome all enquiries from interested parties.
Flexi Personnel Ltd is a HR Company that was founded in 2008. It is currently the fastest growing HR firm in Kenya offering a wide range of services including Headhunting and Executive selection, Outsourced Labor management, HR Outsourcing, Outsourced Payroll Management, HR consultancy, Psychometric Assessments and Expatriate Services and relocation support.
What makes us a unique Recruitment and Outsourcing Agency in Kenya, and the whole of Africa, is our systematic approach and listening to our clients’ recruitment and payroll needs. We've offered and will continue offering appropriate solutions to our clients. We only forward candidates within the client’s specification. As a Recruitment firm, integrity and value are key elements of our Recruitment, Staff Outsourcing, Payroll Management, and HR Consultancy services.
The different forms of Psychological tests in practice including the Neuropsychological assessments..................
Details and the original version of the slide can be available on demand by forwrding a mail request to bivin.jb@gmail.com
Biggest Automotive Brand in India, know more about us. Click to view the company profile, also this sets a basic format of a company profile should look like. More fancy coffee tables and company profiles are also uploaded to cover all genres and presentation styles. Thanks
Regards
Big Boy Toyz Team
2011 MBA Online mobile and Social Media - The Emerging TrendsJoe Dahleen
The Mortgage Banking Association as me to present at the Annual Conference again this 2011. This time the topic was on Social Media, Mobile and online marketing as a topic of emerging trends in the mortgage business. My perspective was that of a mortgage lender and how to go about building a social media strategy. Here is what I presented.
Canada continues to lead the world in online engagement, with visitors spending an average 45 hours per month online, representing a fertile ground for digital marketers and advertisers.
Slides of Enjoy IT Team from Korea IT Volunteers (KIV) Presentation with REGOS Team from Indonesia ICT Volunteer (RTIK Jakarta Raya).
Dari slides singkat ini, kita dapat mengetahui kalau mau maju, kita harus memanfaatkan internet untuk BELAJAR bukan sekedar "Rekreas'"
Web 2.0 Weekly - June 22, 2010: "AOL Sells Bebo for Massive Loss"David Shore
Deals (M&A, Finance)
AOL is reported to have sold Bebo, the UK-based social network it bought just two years ago for $850 mm, to private equity firm Criterion Partners for under $10 mm. Based on our calculations, AOL paid the equivalent of $38 per Unique Visitor (UV) for Bebo, and sold it for under $1 per UV.
Positive price performance
The Web 2.0 public company universe rose again this week, with 60% of companies seeing their market cap rise vs. 33% falling and 7% flat.
Basic Stats – Internet Growth Remains Robust, Rapid Mobile Adoption Still in Early Stages
2) Re-Imagination – of Nearly Everything
3) Economy – Mixed Trends, With Negative Bias
4) ‘USA, Inc.’ – A Lot to be Excited About in Tech, A Lot to be Worried about in Other Areas
5) Bubble – or Not?
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The idea of these next 3 slides is to show that customers have changed but banks haven’t.
This section will focus on what we know right now – consumer data from our study plus channel volume forecasts.
For today’s discussion, I’d like to focus on the US statistics. Branch sales are certainly not going away. 61% of US consumers preferred to open their accounts in the branch. However, we can ignore that 19% of consumers don’t just consider opening accounts online but actually prefer to do so. An even greater number prefer to research products online before going in to the branch. The question I would ask is “How many branches are familiar with the information being delivered online? How many are ready for a more informed consumer?”
Focus on the US – at the aggregate level, only 19% prefer to open accounts online. But there are definite demographic differences with 30% in the 18-34 range preferring to open accounts online and only 10% in the 55+ category preferring to open accounts online. Numbers are higher across the board for researching. This preference for online will continue to grow as the 18-34 segment is backfilled with new, younger consumers.What this means is that the bank has to be prepared to meet customer needs in all of the channels. What’s important is knowing which customer prefers which channel. It doesn’t mean that you need to offer every function in every channel but that you adjust your strategy to match customer tasks to the preferred channels. We’ll talk more about this in a few minutes.
This section will focus on what we need to do to adjust to the new consumer and build agility so that banks can be more adaptable in the future.
Goal of slide – show need for agility. Be available where customer prefers to perform tasks.
Identify prospects – Branch: customer request or teller conversation. Online: Need automated data to provide a targeted offer.Make contact – Branch: In person. Online: Based on point of contact i.e. online ad will vary from ATM screen message or mobile text offer.Qualify lead – Branch: Ask personal questions, conversational. Hopefully a prescreened offer to give the customer. Present offer – Branch: Determine the right account and explain why it is the best option. Online: Customer researches accounts or uses an online wizard.Answer questions – Branch: In person. Online: Customer should be able to call contact center, send an e-mail, or start a chat conversation.Open account – Branch: Typically paper forms that are then keyed in by branch personnel. Online: Customer does the keying.Interestingly, the processes that we’re currently putting in place to improve sales through the self-service channel can help us improve the process in the branch, as well. Let’s look at how we interact with customers in 4 different branch models.
Plan for agility – Do you plan for the next project or do you plan for the future (i.e. any future project)?