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5 ways credit unions can build a better CX than fintechs

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first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Banks and credit unions begin collecting personal financial data from the time they first sign up consumers. From there the accumulation builds exponentially, creating a mountain of data that fintechs drool over. Yet, a survey by Total Expert shows a shocking number of financial brands still do not routinely use data-driven insights to improve customer experience.Why? It’s not as if consumers adamantly oppose proper use of their data. The rapid growth of fintechs confirms that consumers will allow third-party service providers to access their personal and financial data — often welcoming it. Consumers do this because they hunger for someone to connect them to the products and services that will truly improve their lives, according to Lori Blix, Marketing Campaign Director, Financial Services, for Total Expert.The right use of data, she said, provides a very lucrative roadmap for banks and credit unions to follow.Total Expert, a marketing and customer experience platform provider, surveyed bank and credit union marketers in advance of a webinar presented in cooperation with The Financial Brand. The survey responses were drawn about evenly from banks and credit unions.last_img read more

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Maybe it’s time for the people of Lika to organize a study trip for us? The

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first_imgChallenge the potential and offer of Lika as a tourist destination (or any other region) only because we do not know enough about it and at the same time share our personal opinion, attitude or inclination as misinformation, thus degrading the destination only because we do not like it or do not know it enough, it does not harm only that destination or location, but the overall offer of Croatian tourist products, especially because it is and can be very diverse and rich, and thus even more attractive to all future guests. Ako otvorimo stranicu turističke zajednice regije Lika, pronaći ćemo ne mali broj trasiranih biciklističkih staza, koje prolaze što kroz naselja, što kroz šumske puteve, seoske ceste pa čak i zahtjevnije, “divlje”staze. Ljubitelji adrenalina imaju priliku isprobati zipline koji je među najdužima u Europi ili se pak proljuljati na divovskoj ljuljački, koja se nalazi tek 10-15 minuta vožnje udaljena od rodne kuće jednog od najvećih genija u povijest čovječanstva – Nikole Tesle. We rarely talk about the responsibility that tourism professionals have (or should have) when informing about destinations. The recent situation that happened within an FB group, when a colleague who introduced himself as a tourist worker with 20 years of experience, almost made fun of the future guest of the city of Gospić, arguing that there is nothing to “be” or “do”, prompted me to think and commenting on just this topic. ‬It is already known that tourist trends suggest that “being” and “working” as a tourist in a city no longer means only the sun and the sea, large resorts and / or cities. We took Lika as an example, so let’s move on to her. In this part of Lijepa naša there are three national parks, one of which (Plitvice Lakes) is under the protection of UNESCO, just like the beech forests of Northern Velebit and Paklenica, which are included in the same list as the original beech forests of the Carpathians and other regions of Europe. . Velebit, our longest mountain, which is also a nature park, is adorned with beautiful hiking and mountaineering trails. Hiking enthusiasts certainly know about the “Premužić trail”, and in addition, the locations on the network of trails “Via Dinarica” ​​are marked. Barać’s caves, Grabovača Cave Park, Cerovac Caves will surely be found in the itinerary of all those who are interested in the mystical world of the underground and karst. Author: Martina Ljuština, Experiences.hr Over 20 cheese dairies and family farms are located in this region and offer their products and tourist story to visitors, in accordance with the popularly known openness and cordiality of Lika hosts, abundant portions and the culture of brandy toasting. Isn’t this an experience that authentically tells the story of tradition, culture and gastronomy? Aren’t these the expectations of today’s tourists? This is not all that Lika can and offers, this is not all that hardworking tourism workers create, this is not all that Lika visitors can experience here. ‬ Maybe it’s time for the people of Lika to organize a study trip for us? Thelast_img read more

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Tax evasion law “could cost big banks $100 million”

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first_img 213 Views   no discussions MILAN (Reuters) – A U.S. law aimed at curbing tax evasion by citizens using foreign accounts could cost large multinational banks as much as $100 million apiece to implement in one-off systems costs, a top asset manager and a tax lawyer told a conference on Friday.The overall costs of implementing the Foreign Account Tax Compliance Act (FATCA), could approach the more than $8 billion FATCA is due to raise over 10 years, he said.FATCA was introduced after high profile tax evasion cases.“With FATCA there is a cost on us in Europe but benefits in the U.S.. The benefit is $8.5 bln over 10 years … for multinational banks I have seen estimates of $100 million (each, in one-off costs),” said James Broderick, head of Europe, Middle East and Africa for JP Morgan Asset Management.“It would be easier to just write a cheque to the IRS (U.S. tax authority)”, he added.The $100 million figure is with regard to the costs of implementation for the banking systems of large, multi-jurisdictional banks, and not for an asset manager, he said.Speaking at the same conference, organized by Italy’s asset management association Assogestioni, tax expert Keith Lawson said he had also heard the $100 mln figure.Lawson, Senior Counsel Tax Law at ICI, the U.S. national association of U.S. investment companies, said aspects of FATCA were “draconian” but a repeal would be very difficult given the amount it would raise.Broderick said banks and wealth managers had to accept that FATCA, which starts coming into force in June 2013, would be implemented and they may have to change their business models.FATCA has drawn wide criticism from abroad, with banks and business people saying the new law turns them into agents of the IRS.Writing by Nigel Tutt; Editing by Greg MahlichYAHOO News Tweet LifestyleMoney Tax evasion law “could cost big banks $100 million” by: – November 18, 2011 Sharecenter_img Share Share Sharing is caring!last_img read more

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Walnuts ‘improve sperm health’

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first_img Share HealthInternationalLifestylePrint Walnuts ‘improve sperm health’ by: – August 16, 2012 Could two handfuls of walnuts a day keep the fertility doctor away?Eating around two handfuls of walnuts a day improves sperm health in young men, a study in the journal Biology of Reproduction suggests.Sperm shape, movement and vitality improved in men who added walnuts to their diet over 12 weeks.The fatty acids found in these nuts are thought to have helped sperm development. It is not known if this would help improve male fertility. About one in six couples are infertile, with 40% of these due to a male factor. Dr Allan Pacey, senior lecturer in andrology at the University of Sheffield said: “It would be relatively easy to poke fun at studies like this, but there is increasing evidence to show that aspects of a man’s diet can affect the number and quality of sperm produced by his testicles.”The researchers say the next step is to work with couples who are attending infertility clinics to determine if placing sub-fertile men, with poor semen quality, on a walnut diet results in better success conceiving. It is thought that infertility in men may be a result of too few sperm being made, or that the sperm have poor swimming ability, size or shape. Walnut supplementThis study involved 117 men between the ages of 21 and 35, who were divided into two groups. One group added 2.6 ounces (75 grams) of whole-shelled walnuts to their daily diet. The other group continued their usual diet but avoided eating tree nuts. Both groups ate a typical Western-style diet.Lead author, Prof Wendie Robbins from UCLA’s Fielding School of Public Health said: “We found a significant improvement in sperm parameters in the group that consumed the walnuts.Healthy sperm“The men who ate no tree nuts saw no change.”Sperm quality improved in terms of concentration, vitality, movement, shape and chromosome abnormalities.Dr Pacey said: “The study has been well executed and my only criticism would be that the men in the walnut-eating arm of the trial could have altered other aspects of their behaviour to give the results shown in the paper. “A better trial would be to produce tablets of walnut extract that looked identical to a placebo so that the study was completely blind. “In spite of this, the results of the study show a small but statistically significant improvement in sperm health.”These benefits may be down to the fatty acids in the nuts. Co-author Catherine Carpenter, from the UCLA Centre for Human Nutrition said: “Walnuts provide a particularly rich source of a-linolenic acid, a natural plant source of omega-3, which we suspect may have been responsible for the improvements we observed.”The walnuts for the study were supplied by the California Walnut Commission and the study was funded by the UCLA Fielding School of Public Health’s Centre for Occupational and Environmental Health.BBC News Share Tweetcenter_img 12 Views   no discussions Share Sharing is caring!last_img read more

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World Bank’s Haiti strategy for 2012 focuses on disaster management, infrastructure, education and jobs

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first_imgImage via: topnews.inWASHINGTON, USA — The World Bank board of directors on Thursday endorsed a new 12-month strategy for Haiti that will help protect the country’s population from natural disasters, support the return of 22,500 people to safe housing, improve neighborhoods for 75,000 people, finance tuition for 100,000 children and school feeding for 75,000 children. In addition, the strategy aims to revitalize the economy, improve conditions for investment, and strengthen the productivity and sustainability of agriculture and rural development. The 2012 Haiti Interim Strategy Note (ISN) programs US$255 million in grants from the International Development Association’s (IDA) Crisis Response Window.“The new interim strategy underlines the World Bank’s commitment to Haiti’s ongoing reconstruction and longer-term economic recovery efforts,” said Pamela Cox, World Bank vice president for Latin America and the Caribbean. “The strategy is closely aligned with the Government’s priorities and designed to provide substantial support for physical reconstruction and institutional strengthening in order to deliver concrete short-term results, while increasing the country’s capacity to rebuild itself.”The ISN lays out the World Bank Group’s program for the next year and includes the following additional results:• Greater resilience to natural disasters and other crises (such as cholera) through improved performance of national institutions and infrastructure. • Improvements in the business environment and the launching of investments that will create jobs outside of the capital. • Improved public procurement, transparency and financial management.As part of the ISN’s envelope, the board of directors approved US$180 million on Thursday for the following three projects:Education for All (US$70 million) • 175,000 children to benefit• 8,000 student-teachers to be trainedThe second phase of the Education for All Project will support Haiti’s strategy for rebuilding the education system by increasing access to primary education for poor children aged 6-12 and improving equity and quality of the education sector. The project will benefit a total of 175,000 Haitian children.In peri-urban areas, the project will allow about 100,000 students per year in approximately 1,200 schools to attend school free of charge, while 75,000 children will receive hot meals in school every day. In addition, 8,280 student-teachers will benefit from accelerated teacher training, resulting in thousands of additional qualified primary teachers.For those children living in rural areas without access to primary education services, the project’s community-based approach will reach 6,250 students in 200 communities, and generate an estimated 36,000 spaces for students in the coming years.Disaster Risk Management (US$60 million)The US$60 million Disaster Risk Management and Reconstruction Project will help Haiti improve its disaster response capacity and enhance the resiliency of critical transport infrastructure. Haiti ranks as one of the countries with the highest exposure to multiple natural hazards, with 96 percent of its population living at risk.Following the January 2010 earthquake, the Bank helped to restore critical capacities for recovery and planning of disaster-resilient reconstruction. This project will further strengthen the country’s capacity for disaster preparedness and response through the following activities:• Support the National Disaster Risk Management by strengthening the national network of civil protection committees, setting up a reliable emergency communications system, and expanding the national emergency shelter network.• Strengthen the capacity of key ministries to integrate knowledge on disaster risk in policy and decision making processes.• Rehabilitate vulnerable and damaged critical transport infrastructure.Re-launching Agriculture (US$50 million)• 50,000 producers to benefit The third project approved onThursday for US$50 million, including US$10 million co-financing from the Global Agriculture and Food Security Program Trust Fund (GAFSP), supports Haiti’s National Agriculture Investment Plan to increase the productivity and competitiveness of the agriculture sector, while improving food security and nutrition among the most vulnerable groups. Agriculture plays a dominant role in Haiti’s economy, contributing 25 percent of GDP and accounting for around 50 percent of overall employment.Specifically, the project will:• Strengthen the capacity of the Ministry of Agriculture, Natural Resources and Rural Development (MARNDR) to implement the National Agriculture Extension Strategy.• Increase access of 50,000 small and medium producers to the latest in agriculture technologies and training on animal and plant health throughout the country.• Provide financial assistance in the case of an agriculture sector emergency.The devastating earthquake, which struck Haiti on January 12, 2010, significantly worsened the poverty and living conditions of the Haitian population and exacerbated the country’s development challenges. Over 220,000 people were killed and 300,000 wounded. The disaster brought the entire economy to a halt, wiping out an estimated 120 percent of GDP. The economy is projected to grow by 7.5 percent in 2011 in large part due to reconstruction efforts.Despite weak capacity, much has been done. Four of 11 million m3 of debris have been removed, camp occupancy has dropped from an estimated 1.3 million to around 600,000, schools have reopened for the 2011-2012 school year, and capacity to prepare for hurricanes has been strengthened as demonstrated by the limited impacts of Hurricane Tomas in October 2010 and the preparation of the 2011 hurricane season.Caribbean News Now Tweet Share Share Sharing is caring!center_img Share 9 Views   no discussions NewsRegional World Bank’s Haiti strategy for 2012 focuses on disaster management, infrastructure, education and jobs by: – December 2, 2011last_img read more

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Joe Aribo’s Rangers fined £15,000 by Scottish FA

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first_img Promoted Content10 Risky Jobs Some Women DoWho Is The Most Powerful Woman On Earth?Who Earns More Than Ronaldo?2020 Tattoo Trends: Here’s What You’ll See This Year14 Hilarious Comics Made By Women You Need To Follow Right NowWhich Country Is The Most Romantic In The World?9 Facts You Should Know Before Getting A TattooThe Most Exciting Cities In The World To VisitA Hurricane Can Be As Powerful As 10 Atomic Bombs7 Mind-Boggling Facts About Black Holes7 Theories About The Death Of Our UniverseBirds Enjoy Living In A Gallery Space Created For Them Loading… There was a mass confrontation at Easter Road, during which coaches from both sides received red cards. Read Also:Rangers appeal against Referee Jacob Gwatsa The Scottish Premiership club have been ordered to pay £10,000 immediately, while the remaining £5,000 is suspended until the end of the season. FacebookTwitterWhatsAppEmail分享 Rangers have been fined £15,000 by the Scottish FA for failing to act in an “orderly fashion” in games against Celtic and Hibernian in December. The charges relate to behaviour during the wins at Celtic Park and Easter Road. Two-thirds of the fine results from the Old Firm match, for gestures made by Alfredo Morelos and Ryan Kent.Advertisementlast_img read more

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Tommy Ison – of Oldenburg

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first_imgTommy Ison, of Oldenburg, was born on June 11, 1953 in Hamilton, Ohio, a son to Everett D. and Ellen McVey Ison.  He worked at Visteon for many years and was a member of the Metamora Church of God.  Tommy enjoyed many outdoor activities, especially riding horses, hunting and fishing.  He also loved spending time with his family.  On February 14, 2020 at the age of 66, he passed away at The Christ Hospital in Cincinnati, surrounded by family.Those surviving who will cherish Tommy’s memory include his caregiver and companion, Andrea Ison; four sons, Tommy E. Ison (fiancé Emily) of Batesville, Chris (Jennifer) Ison of Oldenburg, Jeremy Ison of Greensburg and Ben Ison of Oldenburg; 13 grandchildren; 2 great-grandchildren; one brother, Wayne (Mary) Ison of Metamora; three sisters, Judy (Ron) Jolliff of Brookville, Donna Nichols of Connersville, and Sue (Herb) Halcomb of Metamora.  Also surviving are many nieces and nephews.  Besides his parents, he was preceded in death by a brother, Earl Ison, and one sister, Janie Ison.Friends may visit with the family on Monday, February 17, 2020 from 4 until 8 p.m. at Metamora Church of God, 20124 US Highway 52, Laurel.  Pastor Wayne Ison will officiate the service on Tuesday at 1p.m. at the church.  Burial will follow in Cupps Chapel Cemetery.To sign the online guestbook or to leave a personal condolence, please visit www.cookrosenberger.com.  The staff of Cook Rosenberger Funeral Home is honored to care for the family of Tommy Ison.last_img read more

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Hughes happy to be back in action

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first_img Northern Ireland’s fifth-placed finish in World Cup 2014 qualifying may not have been what Hughes had hoped for but he signed up for another attempt and has played every minute of the team’s best ever start to a campaign. O’Neill’s team have won all three of their Euro 2016 fixtures so far, a 2-0 success over top seeds Greece on Tuesday the best result so far. “I had sort of decided that enough was enough. I was getting a little bit fed up with the same old things,” Hughes said of his retirement. “But sitting down and talking to Michael, finding out the direction he wanted the squad to go in and seeing the group of players I could see the potential there and I thought why not give it one more go. “You are a long time retired and all that. I have had no regrets since coming back. It’s been fantastic. “How can you not enjoy winning three games out of three? “I’ve always said as long as we are competing and giving ourselves a chance. That is what it’s all about. “I have never experienced winning three games at the start. I know we hadn’t won the first two qualifiers since 1968 and now we have won three which has never been done.” Hughes has played 14 times since returning to the international fold, taking his tally to 93 caps – third on the all-time list behind Pat Jennings and David Healy. Defender Aaron Hughes is delighted he was talked out of retirement by Northern Ireland manager Michael O’Neill. Hughes, 34, captained his country for eight years before calling time on his international career in September 2011. But O’Neill made reversing that decision his number one priority when he took over at the start of 2012 and with the help of assistant Billy McKinlay, who worked with Hughes at Fulham, persuaded him to come back on board. Should he play all of the remaining qualifiers, he will also be the first outfield player to reach a century for Northern Ireland. His experience, as well as that of his fellow senior men, is crucial but he is just as pleased by the recent form of the side’s emerging players. “One of the main things now is the mentality of the group. We are not accepting going away, putting in a good performance but not getting the result,” he said. “The quality of the younger players is so important. You still have the experience of people like myself, Gareth McAuley and Chris Baird but having the likes of Jamie Ward, Ollie Norwood, Shane Ferguson and others there is real quality. “It is looking good for the future, not just the present.” Press Associationlast_img read more

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Premier League clubs to resume training from today

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first_imgBy Simon EvansMANCHESTER, England (Reuters) – Premier League clubs will return to training on Tuesday after agreeing to allow “small group” sessions to begin, with a possible return to normal ‘contact’ training next week.The league held a conference call for all 20 clubs on Monday where the move was given unanimous backing but there remains no firm date for the season to resume.Another meeting is scheduled for early next week when the league will decide on whether to move to the second phase which allows for training involving contact.It is the first move in the league’s ‘Project Restart’ plans to resume play in the league, which has not held a game since March 9 due to the novel coronavirus pandemic.The league has set June 12 as a tentative date for a restart of action but chief executive Richard Masters said they were aware they would need to be flexible.“We have been focused on this staging post, it’s not a firm commitment, for June 12. What we are able to do today is basically to move forward on small group training,” Masters told reporters on a conference call.“Next week we are going to be discussing full contact training protocols.“Once you know when you can start full contact training, and we’ve had a proper discussion with clubs about how much is required to create the fitness levels before they can start playing, we are then in a position to be able to confirm when the season start is.“What we don’t want to do is continually move that start date so we haven’t changed it. We need to be flexible and acknowledge we are in a step-by-step process,” he added.Failure to resume the season could cost the league around 750 million pounds ($913.80 million) in lost revenue from broadcasters according to British media estimates.Some reports said clubs could lose out even if the league restarts should broadcasters demand a 330 million pounds rebate.DOOR OPEN The Government last week opened the door for the return of elite sport, but several hurdles remain before the Premier League can resume behind closed doors with the aim of completing the remaining 92 matches of the season.Some players have expressed concern about the health risks involved in a return to play but Masters said the league had done its best to create a safe environment through consulting with government and health experts.“Clearly we cannot de-risk the entire thing. But I think what we have created is an extremely safe environment that is the first stage of a return to training. So hopefully we have reassured all players and managers on that basis,” he said, adding there would be further consultations ahead of each stage.Some managers, such as Newcastle United’s Steve Bruce, have expressed concern about whether there will be enough time for players to get match-fit before the league resumes.Mark Gillett, the Premier League’s medical advisor, said they were aware of the need for preparation time.“Safety is the key thing running through all the measures we’re putting in place. I spend a lot of my time in club football, so I do understand the need for football-specific training,” he said.“We will do everything possible to try and ensure that clubs get enough time to try and prepare in the best way possible, to keep them safe during games.”Clubs will have been encouraged by the return of the Bundesliga at the weekend — the first major soccer league in the world to resume after the lockdown.The prospect of clubs playing their remaining matches at neutral venues has receded with more than half speaking out against such a proposal.Safety measures for group training are expected to include tents where temperature checks will be conducted, strict hygiene criteria, no canteens and no showers. A maximum of five players will be allowed per pitch with tackling forbidden.Players will be tested twice a week and are being asked to provide written approval that they have received and understood the club’s COVID-19 policy.last_img read more

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More Gains for the NPFL as La Liga Partnership Yields Early…

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first_imgThe recently-signed partnership between the Nigerian Professional Football League and the Spanish La Liga is beginning to yield gains just a couple of months after both parties sealed the landmark deal in Abuja. The Spanish League Association Foundation has already voted 54,000 euros, as well as sporting materials, including training shirts, official balls and other equipment, to El Kanemi Warriors in a bid to help assuage the problems faced by the Borno State club as a result of the Boko Haram insurgency. Also an All-Star team of the NPFL will head to the European nation in August where they will played friendly games with top-flight outfits Malaga and Valencia. The matches, which will be beamed live, will help to further promote the Nigerian league and open new opportunities abroad for our players.One fully expects that more encouraging yields will be coming through from this partnership and this would no doubt enhance the marketability our players, clubs and league. In the ultracompetitive world we live in today a country like Nigeria with a population size of 180m, lots of oil and an abundance of mineral resources, should be an irresistibly beautiful bride, if we know how to apply our make-up properly. I have often maintained that if we get our act together, the money to run football and other sports would come in from overseas. This La Liga deal shows that if we keep our standards, the big players in the global sports industry will be keen to get a piece of the action, which then translate to foreign direct investments, jobs for Nigerians, and more wealth, peace and unity in society.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

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