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Financial institutions must become digital innovators

first_imgFor decades, the products offered and the channels used to deliver financial solutions have changed very little. There was small risk to being complacent, because the consumer was modestly satisfied with what the industry provided. With little competition, the only time a banking relationship was “in play” was when a consumer moved or was in the midst of a major lifestage change.Modern digital technology has disrupted this legacy banking model on all levels. First, it has dramatically altered the balance of power between consumers and their financial institution(s). In a relatively short period of time, consumers have more insight and choice at their fingertips. The competitive playing field has expanded exponentially, with thousands of new non-traditional organizations leveraging consumer insight and digital channels to create entirely new financial solutions. Finally, digital technology has drastically improved the economics of banking (at least for those organizations not saddled with legacy infrastructure).The result is an increasing need for financial institutions of all sizes to become digital innovators. Without a constant reinvention of both the products offered and channels supported, banks and credit unions run the risk of losing their most valuable relationships in a “digital moment,” with a click on a mobile device. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Gold Coast vendors cashing in when selling at auction

first_imgRay White Broadbeach principal Mitch Palmer said auctions were the best way to get higher offers out of buyers.“You’re never going to get as many people in the same place at the same time as you are on auction day,” he said.“That competition that’s created between buyers is a much stronger motivator.”While Mr Palmer and Mr Henderson were strong advocates for auctions, both agreed it wasn’t a sales method that suited all properties and vendors. When selling your home a big question is, do you take the property to auction or put a price tag on it? This latest data might help you decide. Picture: Jerad WilliamsGOLD Coasters who sell their houses under the hammer tend to pocket hundreds of thousands of dollars more than those who have attached a price tag.Latest realestate.com.au data showed there was a difference of almost $340,000 between selling at auction and through a private treaty sale.Auctioned properties sold for an average of $878,295 while private treaty sales fetched an average of $539,503.The margin has increased in the past four years; the difference in 2015 was about $94,000. MORE NEWS: Home of House Rules Winners hits the marketMORE NEWS: Spring has sprung early for property market Realestate.com.au chief economist Nerida Conisbee said auctions create competition.Chief realestate.com.au economist Nerida Conisbee said there was no better time to sell at auction as listings were low.“Buyers are back in a big way creating increased competition and we know that properties that go to auction return better results for sellers, and on average are sold in half the time of those listed for private sale,” she said.“In softer markets, we tend to see an increase in private sales but realestate.com.au data shows that sellers who go to auction consistently do better than those who list by private sale.More from news02:37International architect Desmond Brooks selling luxury beach villa10 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago“We know … the market is changing rapidly so sellers should get in now to name their price while stock levels remain low.”center_img While auctions can pay off, they aren’t for everyone according to local experts.Real Estate Institute of Queensland Gold Coast zone chairman Andrew Henderson said strong migration from interstate where auctions were more prevalent and the increasing popularity of TV property shows, including The Block, made people feel more comfortable with auctions.“It gives people more confidence in auctions,” he said.“It’s a lot more popular now and it seems to increase in popularity every year.”He said auctions also offered a level playing field for buyers because they were all bidding under the same conditions.“Auctions are the best way to really show what a market value is for a property (because) it’s what someone is willing to pay for it under market conditions.” Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:38Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:38 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenWhat does property demand mean?01:38last_img read more

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Nineteenth CARIFORUM meeting critical –Dr McIntyre

first_img 6 Views   no discussions Share Share Share Tweetcenter_img Chairperson of CARIFORUM Hon. Dr Colin McIntyreChairperson of the Council of Ministers of the Caribbean Forum of African, Caribbean and Pacific States (CARIFORUM) and Minister with responsibility for Employment, Trade, Industry and Diaspora Affairs of Dominica, Dr Colin McIntyre has described the nineteenth (19th) meeting of CARIFORUM as “critical for providing the organization with focused direction and context”.CARIFORUM is a grouping of Caribbean States which are signatories to the Lome IV Convention and was created in 1992 for cooperation between Caribbean countries and the European Union. CARIFORUM monitors and co-ordinates the allocation of resources out of the European Development Fund (EDF) for the purpose of financing regional projects in the Caribbean Region within the framework of the Lome IV Convention.Dr McIntyre who assumed chairmanship of CARIFORUM on July 1st, 2011 and will serve in that capacity until the 30th of June, 2012 noted that the organization must know what it wants, where it is going and how it intends to get there.“This 19th meeting of CARIFORUM, in my mind, is critical for providing CARIFORUM with focused direction and context. The agenda also highlights the challenges facing CARIFORUM and the short, medium and long term issues which require addressing so that the region can advance its various causes at the appropriate fora, through its various representatives including the Chair of CARIFORUM.”According to the Chairman, an important issue discussion is a proposed new approach to Development Aid and its proposals for a new approach to budgetary support as a delivery mechanism.“I anticipate in our discussions on the subject, we will make arrangements to define our own development vision before we react to EU proposals on its approach to Development and Aid. In other words, we must own our Development Vision and Strategy and invite our partners to assist us in the implementation of that vision and strategy.”Meantime Secretary-General of CARIFORUM and CARICOM Ambassador Irwin LaRocque also described the meeting as a crucial juncture in CARIFORUM’s history considering that countries are slowly climbing out of the financial and economic crisis of 2008.Ambassador Irwin LaRocque, Secretary-General of CARIFORUM and CARICOM“While our countries are yet to climb out of the financial and economic crisis of 2008, we are beginning to feel the effects of a new global period of stagnation with low or no economic growth, high unemployment and burdensome sovereign debt in most of our major trading partners as well as member states. This meeting of the CARIFORUM Council of Ministers comes at a crucial juncture, particularly since our major international development partner, the European Union (EU), is itself experiencing problems, as is evidenced by developments in Greece, Spain and Italy.”Ambassador LaRocque further explained that these developments in Europe should signal to member states the necessity of ensuring that resources received from the EU for the 10th EDF Regional Indicative Program are efficiently programmed and utilized.LaRocque also noted that the challenge for CARIFORUM lies in the ability of member states to “enhance their competitiveness and productivity in order to take advantage of the opportunities provided by the EPA”.He says whatever decisions are made at this meeting will “shape how CARIFORUM responds to the various challenges facing our region”.The Secretary-General concluded by expressing confidence that “under the guidance of the Chair the decisions taken by this Council will redound to the benefit of the people of CARIFORUM”.All member states of CARIFORUM are represented at the nineteenth meeting and include Antigua and Barbuda, The Bahamas, Barbados, Belize, Cuba, Dominica, Dominican Republic, Grenada, Guyana, Haiti, Jamaica, St. Kitts and Nevis, Saint Lucia, St. Vincent and the Grenadines, Suriname and Trinidad and Tobago.The nineteenth meeting of CARIFORUM is currently underway in Dominica at the Fort Young Hotel.Dominica Vibes News Sharing is caring! LocalNews Nineteenth CARIFORUM meeting critical –Dr McIntyre by: – November 25, 2011last_img read more

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More substitutes, option to stop VAR when football season resumes

first_imgTeams will be allowed to use five substitutes when the season resumes after a Fifa proposal to help with fixture congestion was approved.The change applies to competitions due to be completed within this calendar year, and the decision on whether to implement the changes is for each relevant competition organiser.There is also an option to stop using the video assistant referee system.Most leagues around the world have been halted by the coronavirus pandemic.Germany’s Bundesliga is due to resume next week, while the Premier League’s Project Restart has a prospective resumption next month.The International Football Association Board (IFAB), football’s rule-making body, has agreed to a temporary change to the laws of the game in order to protect player welfare.“The temporary amendment comes into force with immediate effect, and has been made as matches may be played in a condensed period in different weather conditions, both of which could have impacts on player welfare,” IFAB said in a statement.Ifab and Fifa will decide at a later stage whether to extend the ruling to the 2020-21 season.How it will workEach team will be allowed to use a maximum of five substitutes.To reduce disruption to the match, each team will have a maximum of three opportunities to make substitutions during the game; substitutions may also be made at half-time.If both teams make a substitution at the same time, this will count as one of the three opportunities for each team.Unused substitutions and opportunities are carried forward into extra time.Where competition rules allow an additional substitution in extra time, teams will each have one additional substitution opportunity; substitutions may also be made before the start of extra time and at half-time in extra time. Source: BBClast_img read more

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