Brett King Presents The Future of Banking in an exclusive Backbase webinar.
The future of banking will not be about a place you go, about branch networks, rates or product features. The future of banking is in the utility and connectedness with customers.
In this exclusive Backbase BANK 2.0 webinar, the bestselling author of BANK 2.0, discusses how the very nature of banking is changing, how customer's expectations, customer behavior and context will force banks to reboot the way they work their customers.
Highlights of this webinar include:
The Changing Behavior of Customers
The Generational Cliff – when your customers are all gone
The Loss of Physicality – No Paper, No Plastic
The New Utility – Connected, Contextual, Fun, and Fair
The New Banking Ecosystem – BANK 1.0 versus BANK 2.0
Diversify Your Portfolio: Looking at Human Capital in a Different Way to Ensure Ongoing Support for Your Mission
Strategire for securing greater investment in your school by casting a wider net and including people from emerging constituencies in your advancement program as donors, volunteers and staff members.
Wego Indonesia adalah mesin pencarian travel yang membantu Anda menemukan hotel murah, penerbangan murah, paket liburan, serta penawaran tur dan travel.
Wego Indonesia adalah mesin pencarian travel yang membantu Anda menemukan hotel murah, penerbangan murah, paket liburan, serta penawaran tur dan travel.
While you’re familiar with Facebook, MySpace, and YouTube, what other solutions are available to the modern admissions office and what should you consider adding to your communications arsenal? Discover new and exciting platforms for engaging prospective students, plus practical strategies and ideas to apply to the ones you’re already using.
Today’s innovative prospect researchers are more focused on making business impact via informed decisions based on research, fact and business intelligence than ever before. In this session, learn about the direction in which the field of prospect research is moving, with the addition of social media and increased focus on data, analytics and ROI. This session will discuss the skills necessary for the prospect development professional, the “business intelligence agent," of tomorrow. Discussion will include how we spend our time, what is trending, and how to understand, measure and demonstrate the impact of prospect development in the context of nonprofit development. Prospect researchers are no longer the deckhands and are now steering the ship. Make sure that you are on the cutting edge of this shift.
For all of us in the for-profit education sector, change and uncertainty has become the status quo. Regulatory changes and deteriorating macro-economics are impacting everything from how schools recruit students to the type of programs they will be able to offer.
Recently, LeadsCouncil and CUnet conducted a survey among marketing professionals in higher education to measure and understand the full impact of these issues.
This presentation provides a review and analysis of the results from the 2011 Higher Education Marketing Survey, including:
• How budgets are being affected, and how the money is being allocated;
• How cost per enrollment is changing, and what schools plan to do about it;
• Concerns and priorities for school marketers for 2011;
• How the survey numbers compare to what we're seeing in the market as we approach the end of Q2.
Delvinia Digital Diseases Presentation SmeiDelvinia
Adam Froman identified the six common missteps made by digital marketers that Delvinia calls “digital diseases” which can be found lurking online that wary customers avoid contact like the plague; they are as follows: Widget-it is, Obsessive Content Disorder or OCD, Data-pox, Ad-theria, Mono-typosis and Navigation Deficiency Virus (NDS).
Social media is everywhere and companies and consumers alike are constantly looking for effective ways to utilize online communities, blogs, wikis and the latest social media tools to engage audiences. With more than 300 million people engaged in social media, failing to leverage online mediums is often interpreted as taking a step backwards. It is the age of the consumer and social media has been the catalyst, effectively shifting control from management to the customer. Understanding your customer, giving them a voice and most importantly, listening to what they have to say is key to succeeding in the new digital world.
You will learn:
To effectively engage the audience. Digital marketing and social media in particular is a powerful platform that can create lasting customer relationships and generate millions of dollars for marketers, but you must make things interesting and meaningful.
How to listen to your audience(s). If someone that you do business with offers you advice on improving your business/customer relationship – listen. Maintaining an existing relationship is easier than spending time and money searching for a new one.
To be innovative. The biggest mistake a business can make is not experimenting or developing their digital marketing capabilities. If you’re not doing it, someone else will.
Brett King Presents The Future of Banking in an exclusive Backbase webinar.
The future of banking will not be about a place you go, about branch networks, rates or product features. The future of banking is in the utility and connectedness with customers.
In this exclusive Backbase BANK 2.0 webinar, the bestselling author of BANK 2.0, discusses how the very nature of banking is changing, how customer's expectations, customer behavior and context will force banks to reboot the way they work their customers.
Highlights of this webinar include:
The Changing Behavior of Customers
The Generational Cliff – when your customers are all gone
The Loss of Physicality – No Paper, No Plastic
The New Utility – Connected, Contextual, Fun, and Fair
The New Banking Ecosystem – BANK 1.0 versus BANK 2.0
Diversify Your Portfolio: Looking at Human Capital in a Different Way to Ensure Ongoing Support for Your Mission
Strategire for securing greater investment in your school by casting a wider net and including people from emerging constituencies in your advancement program as donors, volunteers and staff members.
Wego Indonesia adalah mesin pencarian travel yang membantu Anda menemukan hotel murah, penerbangan murah, paket liburan, serta penawaran tur dan travel.
Wego Indonesia adalah mesin pencarian travel yang membantu Anda menemukan hotel murah, penerbangan murah, paket liburan, serta penawaran tur dan travel.
While you’re familiar with Facebook, MySpace, and YouTube, what other solutions are available to the modern admissions office and what should you consider adding to your communications arsenal? Discover new and exciting platforms for engaging prospective students, plus practical strategies and ideas to apply to the ones you’re already using.
Today’s innovative prospect researchers are more focused on making business impact via informed decisions based on research, fact and business intelligence than ever before. In this session, learn about the direction in which the field of prospect research is moving, with the addition of social media and increased focus on data, analytics and ROI. This session will discuss the skills necessary for the prospect development professional, the “business intelligence agent," of tomorrow. Discussion will include how we spend our time, what is trending, and how to understand, measure and demonstrate the impact of prospect development in the context of nonprofit development. Prospect researchers are no longer the deckhands and are now steering the ship. Make sure that you are on the cutting edge of this shift.
For all of us in the for-profit education sector, change and uncertainty has become the status quo. Regulatory changes and deteriorating macro-economics are impacting everything from how schools recruit students to the type of programs they will be able to offer.
Recently, LeadsCouncil and CUnet conducted a survey among marketing professionals in higher education to measure and understand the full impact of these issues.
This presentation provides a review and analysis of the results from the 2011 Higher Education Marketing Survey, including:
• How budgets are being affected, and how the money is being allocated;
• How cost per enrollment is changing, and what schools plan to do about it;
• Concerns and priorities for school marketers for 2011;
• How the survey numbers compare to what we're seeing in the market as we approach the end of Q2.
Delvinia Digital Diseases Presentation SmeiDelvinia
Adam Froman identified the six common missteps made by digital marketers that Delvinia calls “digital diseases” which can be found lurking online that wary customers avoid contact like the plague; they are as follows: Widget-it is, Obsessive Content Disorder or OCD, Data-pox, Ad-theria, Mono-typosis and Navigation Deficiency Virus (NDS).
Social media is everywhere and companies and consumers alike are constantly looking for effective ways to utilize online communities, blogs, wikis and the latest social media tools to engage audiences. With more than 300 million people engaged in social media, failing to leverage online mediums is often interpreted as taking a step backwards. It is the age of the consumer and social media has been the catalyst, effectively shifting control from management to the customer. Understanding your customer, giving them a voice and most importantly, listening to what they have to say is key to succeeding in the new digital world.
You will learn:
To effectively engage the audience. Digital marketing and social media in particular is a powerful platform that can create lasting customer relationships and generate millions of dollars for marketers, but you must make things interesting and meaningful.
How to listen to your audience(s). If someone that you do business with offers you advice on improving your business/customer relationship – listen. Maintaining an existing relationship is easier than spending time and money searching for a new one.
To be innovative. The biggest mistake a business can make is not experimenting or developing their digital marketing capabilities. If you’re not doing it, someone else will.
1. Education changes everything
Five Reasons MFIs Don’t Lend to Students
&
1,600 Why They Should
Global Microcredit Summit 2011
Nick Cain
Regional Program Manager, LatAm + Africa
nick@vittana.org
http://vittana.org/mcs
2. What is ?
U.S.-based product development TA provider & p2p funder.
Creates student loan markets through partnerships with MFIs.
Founded May 2009
Loan products for
20 partner MFIs university and $1.3MM disbursed to
12 countries vocational education >1,600 students.
at leading MFIs.
3. Myth #1: Students won’t repay
2011 PAR 30 (%)
5 Q3 PAR 30 - Portfolio
4.24
Subsets:
4 4.01
3.51 • Interest-only grace period: 0.0%
3 3.2
• Student unemployed at time of
2 loan: 0.0%
1 • Loans > $1,000: 4.36%
0
EOY 2010 Q1 2011 Q2 2011 Q3 2011
http://vittana.org/mcs
4. Myth #2: Students can’t find co-signers
Vittana Students with Co-Signers
2011 Market Study:
– 94% of clients are willing
to a co-sign a student
100% loan for their child.
– 74% of clients are
capable of finding a co-
signer elsewhere in the
family or in the
community.
http://vittana.org/mcs
5. Myth #3: MFIs will always lose money on this
product
Return on Student Loan Portfolio
5.00%
Conditions
4.00% Interest-free Year 1: 50%
3.00% capital: Year 2: 25%
usage
2.00% Cost of non- 10%
1.00% P2P capital:
Product APR: 18%
0.00%
-1.00% Avg loan size: $1,000
300 1050 2000 4500
Total Active Student Borrowers
http://vittana.org/mcs
6. Myth #4: Student loans are too big
Asia:
Latin America: Avg Loan: $500
Avg Loan: $815
Middle East:
Avg Loan: $1,200
Sub Saharan Africa:
Avg Loan: $650
http://vittana.org/mcs
7. Myth #5: There aren’t enough jobs
Change in Monthly Income Post-Graduation
Nicaragua
45 40
40
35
# of students
30
25
20 17
15 12 11
10 5
3
5 1 1
0
0 $100 $200 $300 $400 $500 $600 $700
∆ monthly income ($)
Survey of 90 Vittana graduates in Nicaragua:
– 76% are currently employed in their area of study
– 78% reported a raise or promotion after graduation
http://vittana.org/mcs
8. Results and Impact to Date
PAR 30 3.51%
(as of July 31, 2011)
140% confirmed income change 275% projected income change
Isidro Garay Stephen Lumanog Mauda Mairena
Country Nicaragua Country Philippines Country Nicaragua
Current Dentist Current Welder Current Customs
Profession Profession Profession Official
Confirmed 300% Confirmed 130% Confirmed 130%
income ∆: income ∆: income ∆:
http://vittana.org/mcs