The [Future] New Economy
|
|
- Bernard Horn
- 1 years ago
- Views:
Transcription
1 The [Future] New Economy Michael Hanson, President & CEO Massachusetts Share Insurance Corporation Saturday, January 20, :30 am 10:00 am Learning Objectives 1. Identify trends impacting credit unions in Assist in determining how the trends will impact your credit union.
2
3 The [FUTURE] New Economy Mike Hanson, President & CEO, MSIC Copyright 2018 MSIC. All Rights Reserved. 30 Rowes Wharf, Suite 520, Boston, MA
4 The Problem with Economists: You Can t Live With Em; You Can t Live Without Em.
5 We need to look forward We deal with Consumers today, in today s economy. Where is our economy likely to go? What future conditions do we need to plan for?
6 The Competitive Nature of the Global Economy. Not a zero sum game but close. Relative Rankings Matter a lot.
7 10 YEARS OUT: A little perspective: 10 Years Ago there were no smart phones on the planet. Today?
8 A little more perspective: The Federal Budget: $3.688 T Federal Debt: $18.69 T US GDP: $17.8 T Budget is 20.7% of GDP Debt is 105% of GDP
9 BUT DOES THAT TELL THE WHOLE STORY? Value of US Housing Stock: $28.4 T Value of US Natural Resources: $45 T Value of US Pension Investments: $ T Value of the US Stock Market: $22.5 T (2014)
10 Value of US Bank and Credit Union Assets: $15 T Value of Cash in Circulation (Money Supply): $12.89 T YOU GET THE IDEA (I could keep going)
11 Finally, FREE Your Mind: The Remote Control Close your EYES and repeat after me. Think Critically U.S. Productivity is down. Now Let s Get to work.
12 The Future Economy will depend on 9 Key Areas: 1. ENERGY 2. POVERTY 3. INFRASTRUCTURE 4. EDUCATION 5. RULE OF LAW 6. STABILITY 7. TECHNOLOGY 8. CAPITAL 9. DISRUPTION
13 ENERGY Which Country Has the top amount of Fossil Fuels by percent of world total? Which Country has the largest amount of natural resources? Number 2?
14 ENERGY Fracking Technology has catapulted the US to a top producer of oil and natural gas. We may be a net exporter of fuels in the next 2 decades (or sooner)
15 ENERGY The US has an abundant source of cheap energy without having to ship it from elsewhere. Don t forget Canada! (and Mexico)
16 POVERTY Which of the global economic players have the lowest level of societal poverty? IS the US on the right list? Living on $3 per day.
17 INFRASTRUCTURE US Roads and Bridges need repair In India, Russia, Brazil, China, Africa Roads and Bridges need building
18 EDUCATION US is not at the top in public spending on education as a percentage of GDP. But in raw dollars? Add in Private Funding.
19 EDUCATION Top Colleges and Universities in the World. We are educating the next Global Elite MIT Founding businesses.
20 RULE OF LAW Name one country that has a more defined system that has more consensus than the West. Most Friendly to business formation and operation US.
21 STABILITY Political Spectrum Imbedded Code of Conduct
22 TECHNOLOGY What is India s top technology objective?
23 TECHNOLOGY
24 TECHNOLOGY What is the US s top technology objective?
25 TECHNOLOGY - Robotics
26 TECHNOLOGY - Manufacturing
27 TECHNOLOGY - Manufacturing
28 TECHNOLOGY - Manufacturing
29 TECHNOLOGY - Manufacturing Where would you locate your firm? Conclusion High End Manufacturing will continue to grow in the US. All Manufacturing will come roaring back.
30 TECHNOLOGY Health Kendall Square, Cambridge Genome Foundations Biomedical Research Educational Collaborative Billions in Construction
31 CAPITAL Capital Formation Excess Reserves Money to Lend Wealth without compare
32 DISRUPTION Part One Deep Creativity EMERSON: The Scholar in Action UBER Immigration Elon Musk Why Here?
33 DISRUPTION Part Two What does the disruption economy mean for Credit Unions? First What do we mean by DISRUPTION?
34 DISRUPTION We have a foundation for disruptive change: A generation of Tech Savvy Consumers A severe anger/lack of confidence for institutions that used to deliver stability
35 DISRUPTION We sit at the intersection of 3 distinct disruptive trends
36 DISRUPTION 1. The emergence of asset-light business models (Fintech, Uber, Facebook)
37 DISRUPTION 2. The shift to (and consumer acceptance of) the sharing economy. (AirBNB)
38 DISRUPTION 3. Consumers (especially young consumers) are increasingly happy to pay for access to things without owning them outright. (Future car ownership, Driver-less cars)
39 DISRUPTION The times are a change - in! Bob Dylan Nobel Laureate (really?) All Business Models will change drastically. A Hard Rain is Gonna Fall
40 DISRUPTION Good news: Young consumer values remarkably reflect traditional values. Altruistic Value driven (both kinds of value) Care about broader societal goals
41 DISRUPTION Bank Transfer Day Credit Union Values. Go get em
42 The Difficulty of Predicting the Future Danger Abounds Political Instability War But if trouble comes, where would you like to be? All signs point to a massive and long term US revival I believe it is well underway already. Never, ever, bet against the USA. So, what is our biggest challenge?
43 Politics does a great disservice to this nation.
44 Political discourse is holding us back. The only thing we have to Fear... is Fear itself. -- FDR
45 Comments & Questions? THANK YOU
46
47 *MSIC 6 Issues For the Next Decade (or is it 6 Crises?) Volunteer Leadership Institute 2018 Maui, Hawall January 20, 2018 Copyright 2018, MSIC. All Rights Reserved.
48 *MSIC *Today we will consider: *State of the Movement *6 Issues for the next Decade *What to Do About Them *Advice for your next Strategy Session
49 *MSIC * *The State of the Movement
50 *MSIC * Lending Up, Shares Up, Earnings Up, Membership Up, Capital Up!
51 * *MSIC
52 *MSIC * *Caution: The overall averages don t tell the whole story!
53 *MSIC *The job of the CEO is to look around the corner. *So, What is likely ahead for our movement?
54 *MSIC *6 Crises: The Decade Ahead *(And what to do about them)
55 *MSIC *Consumer Preferences *Systemic Risk *Student Debt *National Debt *Bank Robberies *Trust
56 *MSIC *Consumer Preferences *Systemic Risk *Student Debt *National Debt *Bank Robberies *Trust
57 *What to Do? *MSIC
58 *MSIC *(Consumer Preferences) *Follow Changing Preferences *Restructure the Branch *Deliver in the Digital World
59 *MSIC *(Systemic Risk, Student Debt National Debt) *Realize the Good Times will not last forever *Conservative Balance Sheet and Income Statement Strategies *Capital & Earnings
60 *(Special Case for Student Debt) *MSIC *Help new younger members with creative ways to relieve them of their debt burden *Employees & Members *A way to attract a new generation to the credit union movement
61 *MSIC *(Bank Robberies) *Cyber-Security *World Class *24/7 *Top Priority Management & Board
62 *MSIC *(Trust) *Are we Bankers? *We Run Membership Organizations *Deliver Value
63 *How do we do it? *MSIC
64 *MSIC *How? *Change the MOVEMENT! *Back to First Principles
65 *MSIC *Why do Credit Unions Exist? *Members, Members, Members
66 *MSIC *3 Steps are Necessary Now: *Collaboration *New Member Acquisition *Creating Shared Value
67 *MSIC *Collaboration *Everybody talks a good game about collaboration but few know how to do it! *Even harder than it appears.
68 *Scale, Size, Impact & Synergy *MSIC
69 *MSIC *New Member Acquisition *One member at a time *Digital Frontier
70 *MSIC *Creating Shared Value *For your Members & For your Credit Union
71 *Michael Porter Interview *MSIC
72 *MSIC *CSV - Creating Shared Value is very different from: *CSR Corporate Social Responsibility *And is not just for *NGO Non-Governmental Organizations
73 *MSIC *The current manner of addressing societal problems is limited by Government funds, or the amount of money that can be raised by Charities & NGOs. *Even concepts like Fair Trade is just a form of reallocation of capital you pay more (a fair price) for the same goods (e.g., coffee) *That is good but extremely limited as compared to the scale of societal problems (world poverty)
74 *MSIC *CSV - is a new way of solving problems using the power of the business system. *Solving problems while making money *Infinitely Scalable is not limited by traditional limitations of governmental budgets or reallocation of funds. *It is what credit unions have been doing for 100 years!
75 *MSIC *CSV How do we significantly improve the financial health of our members? *How do we help them achieve their opportunities? *By providing profitable financial services that meet their specific needs.
76 *MSIC *A Call to Action! *Time is of the Essence
77 *MSIC
78 *MSIC
79 *MSIC *Your Strategy should be focused on how to advance these key items.
80 *At your Strategy Sessions Ask: *MSIC *1. What should be the first 3 operational objectives for our Credit Union to advance these goals? *Collaboration, New Member Acquisition, Creating Shared Value
81 *At your Strategy Sessions Ask: *MSIC *2. How should we execute on those objectives?
82 *MSIC *Now, Where do we go from here?
83 *MSIC *Questions & Comments? *Thank You!
84 Please Use the Link Below to Access the Evaluation Form for This Session
Masdar Gen Z Global Sustainability Survey. November 16 th, 2016
Masdar Gen Z Global Sustainability Survey November 16 th, 2016 Masdar Global Gen Z Sustainability Survey The first global survey of the attitudes of young people aged 18-25 Generation Z towards climate
CREATING YOUR UNIQUE VALUE PROPOSITION
CREATING YOUR UNIQUE VALUE PROPOSITION How to Define Yourself and Stand Out in Your Marketplace Part of Securities America s Business Mastery Series Table of Contents Your Tasks... 1 Introduction... 1
DIGITALIZATION IS NOT GOING DIGITAL THE CHALLENGE FOR RETAIL BANKS
DIGITALIZATION IS NOT GOING DIGITAL THE CHALLENGE FOR RETAIL BANKS FINANCIAL FORUM INNOVATIONS Sofia June 2016 1 TWO TRENDS ARE CONVERGING WHICH PRESENT BANKS WITH BOTH CHALLENGE AND OPPORTUNITY 1? Banks
The Next Steps in Digital Transformation How small and midsize companies are applying technology to meet key business goals
The Next Steps in Digital Transformation How small and midsize companies are applying technology to meet key business goals January 2017 The Next Steps in Digital Transformation: Outline Outline» Introduction,
How the 2020 Generation and Millennials Will Change How You Do Business
How the 2020 Generation and Millennials Will Change How You Do Business Speaker: Walter Jankowski, Reinvention Consultant, Better Dash Faster Consulting In 2014, we started to experience a social phenomenon:
Profitably Serving the Working Class: What Financial Services CEOs Can Learn From Citizen s Bank CEO Phil Baldwin
Profitably Serving the Working Class: What Financial Services CEOs Can Learn From Citizen s Bank CEO Baldwin Leadership and strategy are two of my favorite topics, and I have been both amazed and encouraged
The Indian Digital Traveler Research. November 2017
The Indian Digital Traveler Research November 2017 Introduction CEO foreword Travelport s Global Traveler survey is rich with insights and stories about the modern traveler. The findings demonstrate the
HOW EMERGING ECONOMIES WILL GREEN THE WORLD
HOW EMERGING ECONOMIES WILL GREEN THE WORLD CONCEPT PAPER The somehow provocative theme of the 2011 EnergyPact UNCTAD conference aims at addressing energy and climate change issues under new perspectives.
STAFFING IS YOUR STAFFING FIRM RIPE FOR GROWTH?
STAFFING IS YOUR STAFFING FIRM RIPE FOR GROWTH? 11 Ways to Be Ready to Reach Your Growth Goals SALES TOOL SERIES STAFFING 11 Ways to Be Ready to Reach Your Growth Goals KEY TAKEAWAYS: Define a disciplined
Lamar McKay. Thanks Brian.
BP 4Q & FULL YEAR 2017 RESULTS & STRATEGY UPDATE Lamar McKay Deputy Group Chief Executive BP 4Q 2017 & FULL RESULTS YEAR 2017 RESULTS & STRATEGY UPDATE 25 Thanks Brian. You heard earlier from Bob about
Welcome to the. Sixth Annual Women in Real Estate Conference
Welcome to the Sixth Annual Women in Real Estate Conference A special thanks to our sponsors: Presenting Sponsor Corporate Sponsors Reception Sponsors Media Sponsors Corner the market by earning your Master
Resource Pack. The Banking industry is central to our lives. it makes a significant contribution to the British economy.
Resource Pack The Banking industry is central to our lives. it makes a significant contribution to the British economy. In association with: 2016 Banking is Britain s largest export industry, and is the
MAINTAINING TRUST AMID SHIFTING CONSUMER DEMANDS
MAINTAINING TRUST AMID SHIFTING CONSUMER DEMANDS ACCENTURE FINANCIAL SERVICES 2017 GLOBAL DISTRIBUTION & MARKETING CONSUMER STUDY: INVESTMENT ADVICE REPORT SHIFTING CONSUMER TRENDS CREATE NEW OPPORTUNITY
Yusuf Hussain December 14, 2017
Ministry of IT & Telecom Government of Pakistan Yusuf Hussain December 14, 2017 www.ignite.org.pk 1 Digital Finance Definitions are Still Evolving Financial services delivered over digital infrastructure
Good afternoon, welcome to our annual shareholder meeting. I am Lee Rudow, President and CEO of Transcat and I will provide an overview of the
1 Good afternoon, welcome to our annual shareholder meeting. I am Lee Rudow, President and CEO of Transcat and I will provide an overview of the current state of Transcat an our direction for FY17 and
Innovating Out of a Downturn
Innovating Out of a Downturn Ronald Jonash September 2012 Locations: Bogota Boston Dubai London San Francisco São Paulo Seoul Shanghai Singapore Innovating Out of a Downturn Index Four Pathways for Innovating
A look at the five megatrends that will impact our future. What s driving the future?
A look at the five megatrends that will impact our future. What s driving the future? Five global megatrends We asked each member of the PwC Network Leadership team to select a megatrend that they believe
MERGER & ACQUISITION INTEGRATION SERVICES EXPERTS WITH IMPACT
MERGER & ACQUISITION INTEGRATION SERVICES EXPERTS WITH IMPACT Table of Contents 2 DEFINITIVE EXPERTISE: ACROSS THE DEAL LIFECYCLE 4 POINT OF VIEW MERGER INTEGRATION FAILURES 6 MERGER & ACQUISITION INTEGRATION
Corporate Social Responsibility
Corporate Social Responsibility CSR Environmental Management Corporate Sustainability Sustainable Development Business Ethics Business and Society Corporate Citizenship 2 CSR Definition CSR is the continuing
Council of Supply Chain Management Professionals
Council of Supply Chain Management Professionals April 12, 2012 Raw Material Purchasing Factory Manufacturer s DC Customer s DC Consumer Rick D. Blasgen President & CEO CSCMP SCM = Seed to Table Evolutionary
(Global Markets, National Politics, and the Competitive Advantage of Firms)
15.223 (Global Markets, National Politics, and the Competitive Advantage of Firms) Please answer two (2) of the following five questions, all of which pertain to hypothetical situations. Where real countries
Digital Disruption. Embrace the future of work and your people will embrace it with you
Digital Disruption Embrace the future of work and your people will embrace it with you Contents A window of opportunity for the workforce of the future 3 Preparing the digital workforce 4 Capitalizing
Westpac Banking Corporation 2017 Annual General Meeting
Westpac Banking Corporation 2017 Annual General Meeting Sydney, Australia Friday, 08 December 2017 Chief Executive Officer s Address Brian Hartzer Introduction Thank you Chairman and good morning fellow
The Growth of Payments Bank in India: A Road Ahead
The Growth of Payments Bank in India: A Road Ahead Nipun Aggarwal 1, Dr. Dyal Bhatnagar 2 1 Research Scholar, School of Management Studies, Punjabi University, Patiala. 2 School of Management Studies,
Follow this and additional works at: Part of the Business Commons, and the Computer Sciences Commons
Missouri University of Science and Technology Scholars' Mine Business and Information Technology Faculty Research & Creative Works Business and Information Technology 1-1-2011 Amy Kalloch Bonnie Bachman
THE RISE OF THE MODERN CIO
THE RISE OF THE MODERN CIO There s a major shift taking place in the role of the CIO: you re bound to have noticed. Like tectonic plates moving slowly over time, we are currently experiencing a historical
Welcome to Today s Web Seminar SPONSOR BY CONTENT FROM
Welcome to Today s Web Seminar SPONSOR BY CONTENT FROM HOSTED BY Moderator: Michael Sisk Contributing Editor, American Banker Michael Sisk is a New York-based journalist who has covered business and the
ADVISORY BUSINESS BAROMETER
ADVISORY BUSINESS BAROMETER What keeps you awake at night? Intrinsic Principal and Partner Research Foreword Steve Fryett Managing Director, Wealth Network Our industry has undergone unprecedented change
Screenager Multiplied Experiences. Real-time Emotions. Enter
++ Screenager Multiplied Experiences. Real-time Emotions. Enter Screenager ++ Multiplied Experiences. Real-time Emotions. Here we are, the Screenagers ++. Our screen-centric devices have become appendages
Customer Service. Copyright 2009, MMM Training Solutions
Customer Service Introduction to Customer Service There is only one boss, and whether a person shines shoes for a living or heads up the biggest corporation in the world, the boss remains the same. It
November 28, 2017, Munich. HVB Tower. Arabellastraße 12, Munich, Germany
November 28, 2017, Munich HVB Tower Arabellastraße 12, 81925 Munich, Germany delegates@germanyafrica.com Sponsorship Contact Victorine Bokengo, Executive Director DACH-Region +49 173 4127 615 victorine@germanyafrica.com
31 CEOs interviewed in 23 countries 32% 94% Forest, paper and packaging. 20th CEO Survey.
20th CEO Survey Forest, paper and packaging 31 CEOs interviewed in 23 countries 32% of FPP CEOs said they were very confident about growth See page 1 94% of FPP CEOs expect the bulk of growth to develop
Banking on gender differences? Similarities and differences in financial services preferences of women and men in a digital world
Banking on gender differences? Similarities and differences in financial services preferences of women and men in a digital world are embracing mobile financial services at higher rates. Banking on gender
CUdiscover. Network + Mentor + Collaborate engage.learn.grow CONCEPT DOCUMENT
CUdiscover Network + Mentor + Collaborate engage.learn.grow CONCEPT DOCUMENT TEAM MEMBERS: Michael Atkinson, G&F Financial Group Robbie Roberson, Oregon Community Credit Union Melissa Vigil, Northwest
BANKS TALK ABOUT THE CHALLENGES OF THE UNIVERSAL BANKER MODEL. August 2016
BANKS TALK ABOUT THE CHALLENGES OF THE UNIVERSAL BANKER MODEL August 2016 BANKS TALK ABOUT THE CHALLENGES OF THE UNIVERSAL BANKER MODEL EXECUTIVE SUMMARY An ever-growing number of banks and credit unions
2018 MEDIA KIT BRAND BUILDING & MARKET ENGAGEMENT PLANNING GUIDE
2018 MEDIA KIT BRAND BUILDING & MARKET ENGAGEMENT PLANNING GUIDE TABLE OF CONTENTS Power of Retail Leader... 2 Total Market Solutions... 3 State of the Retail Industry... 4 Why Advertise?... 5 Audience
Being patient-centric in a digitizing world
December 2016 Being patient-centric in a digitizing world A Danish pharma company s strong customer focus and determined digital drive have important lessons for other businesses. From company headquarters,
WinterGreen Research, INC.
WinterGreen Research, INC. Cloud Backup: Market Shares, Strategies, and Forecasts, Worldwide, 2018 to 2024 www.wintergreenresearch.com (781) 863-5078 WinterGreen Research, Inc. Lexington, Massachusetts
Angsana Techatassanasoontorn Information and Decision Sciences Department Carlson School of Management University of Minnesota
THINK GLOBAL: THE ULTIMATE FRONTIER OF E-COMMERCE: A Review of Global Electronic Commerce: Theory and Case Studies (By J. Christopher Westland and Theodore H. K. Clark, MIT Press, Cambridge, MA, 1999)
Key takeaways. What we know about profitability today. 85% Agree or strongly agree. 15% Disagree
LEARNING BRIEF 3 BUSINESS MODEL SUSTAINABILITY Promising pathways and opportunities for research: Understanding profitability in smallholder finance Key takeaways A number of financial services providers
THE GENERATIONAL PERSPECTIVE. How our past defines our future buying behaviors
THE GENERATIONAL PERSPECTIVE How our past defines our future buying behaviors MARCH 2017 Know more. Sell more. Helping brands better understand their customers is what we do. Because the more brands know,
LEADERSHIP AND INNOVATION SINCE 1878 SGS IS THE WORLD S LEADING INSPECTION, VERIFICATION, TESTING AND CERTIFICATION COMPANY.
LEADERSHIP AND INNOVATION SINCE 1878 SGS IS THE WORLD S LEADING INSPECTION, VERIFICATION, TESTING AND CERTIFICATION COMPANY. EARLY BEGINNINGS A young Latvian immigrant sits on the docks of Rouen as ships
Understanding Poverty
Poverty is relative. Poverty occurs in all races and in all countries. Economic class is a continuous line, not a clear-cut distinction. Generational poverty and situational poverty are different. We cannot
Part 3 - Beyond hire: The long-term impact of talent acquisition on an organization.
The Talent Forecast Part 3 - Beyond hire: The long-term impact of talent acquisition on an organization. A global study to uncover what today's talent acquisition leaders can tell us about tomorrow's workplace.
Bobby Nolan, Conor Gilson, Elena Peng, Zining Ji
Bobby Nolan, Conor Gilson, Elena Peng, Zining Ji Content Industry Analysis The Economics of Airbnb Pricing Strategies Recommendations Hotel Industry: Mature Market Def: hotels, motor hotels, and resort
Global Talent Mobility: The 21 st Century Business Imperative
Global Talent Mobility: The 21 st Century Business Imperative Friday September 5 th, 2008 Session Objectives Global Talent Mobility: The 21 st Century Business Imperative > Understand the new demands and
BUILDING THE INVESTMENT MANAGEMENT PROFESSION. Paul Smith, CFA President and CEO May 2017
BUILDING THE INVESTMENT MANAGEMENT PROFESSION Paul Smith, CFA President and CEO May 2017 Leads the investment profession globally by promoting the highest standards of ethics, education, and professional
Closing the Gap: Boosting Sales of Corporate Finance/Capital Markets
Closing the Gap: Boosting Sales of Corporate Finance/Capital Markets By Nicholas T. Miller At many banks, significant investments in capital markets and corporate finance capabilities to create a one stop
Digital Transformation Workshop
Digital Transformation Workshop Martin Zelenka May 2016 CGI Group Inc. Agenda Do we understand the trends? 1 Trends Does it mean for us opportunities 2 or threads? Opportunities How vision could look like?
THE MMC ADVANTAGE: DELIVERING VALUE FOR THE ENERGY SECTOR. Strategic Solutions Group
THE MMC ADVANTAGE: DELIVERING VALUE FOR THE ENERGY SECTOR Strategic Solutions Group delivers advice and solutions that help clients protect and enhance shareholder value. We provide the advantage of four
AFP MA Conference on Philanthropy
ENGAGING YOUR BOARD, CEO AND VOLUNTEERS IN DEVELOPMENT AFP MA Conference on Philanthropy Kate Villa, CFRE Vice President, CCS Fundraising November 29, 2017 1 Session Overview 1. Our task Fundraising; Our
Thank you, Mr. Prime Minister and good afternoon.
Speech by Dave Cote, Chairman and CEO, Honeywell Policy Network Climate Change Conference The Politics of Climate Change London School of Economics and Political Science June 5, 2009 Thank you, Mr. Prime
Secretary General of the Nordic Council of Ministers Mr. Dagfinn Høybråten Nordic Edge Expo, Stavanger 27 September 2017
Secretary General of the Nordic Council of Ministers Mr. Dagfinn Høybråten Nordic Edge Expo, Stavanger 27 September 2017 The Nordic Model - A Starting Point for Smart Cities I have been looking forward
Interpreting Price Elasticity of Demand
INTRO Go to page: Go to chapter Bookmarks Printed Page 466 Interpreting Price 9 Behind the 48.2 The Price of Supply 48.3 An Menagerie Producer 49.1 Consumer and the 49.2 Producer and the 50.1 Consumer,
Session 11 PD, Life Insurance Distribution Trends Part 1. Moderator: Patrick T. Leary. Presenters: Patrick T. Leary Carol McManus
Session 11 PD, Life Insurance Distribution Trends Part 1 Moderator: Patrick T. Leary Presenters: Patrick T. Leary Carol McManus SOA Life & Annuity Symposium May 4, 2015 Life Insurance Distribution Trends
Innovation Demand and the Water Industry
Innovation Demand and the Water Industry Tomas Michel speech at the EIP on Water Conference 2014 Barcelona, November 2014 Innovation Demand and the Water Industry The World Economic Forum, in its 2014
Parallel Roundtable 3: Energy Sector Digitalization; Benefits and Challenges. Background Paper
Parallel Roundtable 3: Energy Sector Digitalization; Benefits and Challenges India New Delhi Background Paper Disclaimer The observations presented herein are meant as background for the dialogue at the
Insurance Marketing Benchmarks Report
Insurance Marketing Benchmarks Report 2017 Introduction How can I attract and maintain policyholders? That s a question successful insurance agents ask themselves on a regular basis. Better coverage, competitive
The Game of Life Predictable Life Crises Updated:
The Game of Life Predictable Life Crises Updated: 2016-02-10 There are a number of life crises that are common in the lives of young people at the beginning of their careers. These life crises are: 1)
TALENT ECONOMY LEADING IN A CRISIS
LEADING TALENT IN A CRISIS ECONOMY Contributors: Amy Mills, Ph.D., Vice President, Aon Consulting Seymour Adler, Ph.D., Senior Vice President, Aon Consulting Leading Talent in a Crisis Economy Organizations
The first step to defining clarity for your family business
t h e f a m i l y b u s i n e s s q u e s t i o n n a i r e The first step to defining clarity for your family business M ost planning begins and ends with the numbers. The Legacy Business Optimization
WHAT MAKES FAMILY BUSINESSES IN EMERGING MARKETS SO DIFFERENT?
WHAT MAKES FAMILY BUSINESSES IN EMERGING MARKETS SO DIFFERENT? By Vikram Bhalla, Christian Orglmeister, and Dean Tong In some emerging markets, more than half of the largest companies are family. Yet,
6 th. PwC s Hungarian CEO Survey
6 th PwC s Hungarian CEO Survey Globally in 1379 Piaci célpontok Hungary 186CEOs from 7 industries took part in the survey. Thoughts on growth, threats to growth, finding and retaining talent. Managing
30 2ND QUARTER DRIVINGSALES, LLC
PEOPLE The Art of Retention and Recruiting When sales stagnate, don t just survive: Thrive BY MIKE ESPOSITO F or many dealerships, profit margins on new vehicle sales have been shrinking for well over
Creating Shared Value: The Path Forward
Creating Shared Value: The Path Forward Professor Michael E. Porter Harvard Business School FSG Shared Value Leadership Summit Boston, MA May 31, 2012 This presentation draws on ideas from Professor Porter
Fintech s Impact on Consumers, Banking, and Regulatory Policy
Rob Nichols ABA President and CEO Federal Reserve Bank of Philadelphia Sept. 28, 2017 Fintech s Impact on Consumers, Banking, and Regulatory Policy Thank you, Bill. And congratulations to you, President
FINANCIAL CONSUMER PROTECTION IN AN INCREASINGLY DIGITAL WORLD
FINANCIAL CONSUMER PROTECTION IN AN INCREASINGLY DIGITAL WORLD Brazil Fintech Technology and Innovation in the Financial Sector, December 14 th 2017 Miles Larbey, Financial Consumer Protection What we
CFO #CFOPERFORMANCE. Building Your Brand The Value of Reputation
#CFOPERFORMANCE Building Your Brand The Value of Reputation Your firm is looking to grow, but you re not sure of the next step. Traditional client referrals are no longer enough to keep ahead of the increasing
Opportunities for Renewable Energy on Farms. Agenda. What is Bio-energy? NYSERDA Innovations in Agriculture
Opportunities for Renewable Energy on Farms NYSERDA Innovations in Agriculture Brent Gloy Cornell University March 4, 2008 Brent Gloy, February 2008 Agenda The factors driving renewable energy in agriculture
Restructuring of the Hellenic Defense Sector: Through the eyes of foreign investors and analysts
Restructuring of the Hellenic Defense Sector: Through the eyes of foreign investors and analysts Panos T. Xenokostas President & CEO, ONEX Technologies Inc. May 2015 Index Defense industries categories
Re-thinking and empowering operations in a digital world! Sebastian Seutter Director Strategy and Business Development
Re-thinking and empowering operations in a digital world! Sebastian Seutter Director Strategy and Business Development Industry 4.0 Day Client, partner and Microsoft event (19 th February 2018) Table of
Irish SMEs going for growth SME Pulse Survey
www.pwc.ie Irish SMEs going for growth SME Pulse Survey What SMEs in Ireland are saying... Introduction John Dunne I am delighted to introduce our latest SME Pulse Survey which reflects the views of over
3. Evaluating International Opportunities-BRIC Countries
3. Evaluating International Opportunities-BRIC Countries page 1 Foreign Retail Entry in China Expansion of Wal-mart in China (Cont.) Video: The 100 th Wal-Mart store in China http://www.youtube.com/watch?v=x65efvlryqy
It s Easy to Earn Money
It s Easy to Earn Money By Bob Proctor There is a very real possibility that everything you and I have been taught about how to earn money is so far from the truth that it s almost comical. Earning money
DREAM 7. Step 7: TEACH SHARE INVITE FIRST STEP RESOURCE GUIDE
1 SHARE INVITE Step : FIRST STEP RESOURCE GUIDE 1 Step : SHARE INVITE So what do you do when you find a new person who wants to start a Shaklee business? This section teaches you how to coach and mentor
WELCOME TO THE WEBINAR Changing Lanes The New Paths to Car Buying
WELCOME TO THE WEBINAR Changing Lanes The New Paths to Car Buying June 3, 2014 All registrants for today s webinar will receive a follow-up email with a link to the presentation and recording To ask questions
Destination Our story so far. The context we operate in. Our Vision remains the same. What we do and who we re here for
Destination 2018 Our Strategy & Business Plan 2016/17-2017/18 Destination 2018 Our story so far Guinness has changed. Ten years ago we were a group of housing associations many of which were regional or
Hubertus von Grünberg Chairman ABB Annual General Meeting April 30, 2015
Hubertus von Grünberg Chairman ABB Annual General Meeting April 30, 2015 Check against delivery This is a non-binding translation of the original German version. Not to be released until April 30, 2015,
The U.S. Energy System
This Course and The U.S. Energy System Lecture 1 edmp: 14.43 / 15.031 / 21A.341/ 11.161 1 Discussion: Why Are We Here? How should we define energy in this course and why? Why are you interested in energy?
WAVES, Natural Capital Accounting Highlighted at Trondheim Conference on Biodiversity
WAVES, Natural Capital Accounting Highlighted at Trondheim Conference on Biodiversity Rachel Kyte, Vice President for the World Bank s Sustainable Development Network, presented the World Bank s view on
focus Jure Sola, CEO of Sanmina-SCI, talks about the need for the personal touch
MANUFACTURINGTODAY BEST PRACTICES FOR INDUSTRY LEADERS NOVEMBER/DECEMBER 2005 3.95 FROM CONCEPT TO REALITY: The evolution of PLM SEEN TO BE LEAN: Lessons to be learned from the past Total customer focus
CiYuan Program: How Corporate-NGO Partnerships. Social Development. Margaret Coady Director, CECP
CiYuan Program: How Corporate-NGO Partnerships Can Drive Innovation in Social Development Margaret Coady Director, CECP Committee Encouraging Corporate Philanthropy Who We Are The only international forum
KEY TRENDS TO WATCH: THE NEXT WAVE OF GROWTH IN CORPORATE PRO BONO SERVICE 2014 REPORT
KEY TRENDS TO WATCH: THE NEXT WAVE OF GROWTH IN CORPORATE PRO BONO SERVICE 2014 REPORT CECP s recently released Giving in Numbers is the tenth edition of this annual benchmarking report. In addition to
Building Sustainability in Highly Competitive Markets
Building Sustainability in Highly Competitive Markets Building a Brand in Business Banking Buck Bierly, INC. October 2013 1 Building Sustainability, Building Your Brand We are assuming... Your bank is
New 50,000-Person Research Study Unveils Findings to Unlock Workforce Potential
EMPLOYEE ENGAGEMENT SOLVED New 50,000-Person Research Study Unveils Findings to Unlock Workforce Potential With almost universal awareness about the business benefits of employee engagement, why are employees
The changing face of the UK grocery market and shopper
The changing face of the UK grocery market and shopper #CoopConference17 VANESSA HENRY Today s agenda Forces of change shaping our industry Check in: Where we are today What channels and formats will be
Energy & Sustainability Services
Energy & Sustainability Services We share your passion for corporate sustainability and efficiency. schneider-electric.com/ess Introduction Today, energy management and sustainability are crucial to enterprise
Agenda. Last Module Handling Objections. Creating a Sense of Urgency. Best Way to Create a Sense of Urgency 4/13/2015
Agenda Training, Module 6 Creating a Sense of Urgency Dealing with the top objections Don t want to give financials Questions and Answers at the End Training Modules Series Worth Unlimited Dr. Joan Haakonstad
Security s Role in Corporate Social Responsibility
Security s Role in Corporate Social Responsibility Greg Kane Originally Published in Security Magazine Last Updated December 2016 Security s Role in Corporate Social Responsibility Created by Greg Kane,
Critical Steps to Prepare Your Business for Sale
12 Critical Steps to Prepare Your Business for Sale The value of 12 Critical Steps The DAK Group has prepared a superb, quick read on the 12 Critical Steps to Prepare Your Business For Sale. As a business
RBC Future Launch Youth Forums 2017:
RBC FUTURE LAUNCH RBC Future Launch Youth Forums 2017: What We Learned In this rapidly changing world, there s a new reality when it comes to work. A degree or diploma no longer guarantees a job, and some
Italian Screenager ++ Ready for Innovation. Enter
Italian Screenager ++ Ready for Innovation Enter Accenture Digital Consumer Survey 2016 - Italian report Telecommunications, Media and Broadcasting industries are undergoing a major transformation driven
A world in transition: PwC s 2017 APEC CEO Survey, November APEC CEO Survey. Indonesia findings.
A world in transition: PwC s 2017 APEC CEO Survey, November 2017 2017 APEC CEO Survey Indonesia findings www.pwc.com/apec Key themes Making of the workforce of the future An operating model for a fluid
Putting non-service employees on the phones
Putting non-service employees on the phones For the article Vista Print puts its employees on the phones to Learn the Customer in the July issue of Customer Service Newsletter (CSN), editor Bill Keenan
Big Data - Its Impacts on Economies, Finance and Central Banking
November 1, 2017 Bank of Japan Big Data - Its Impacts on Economies, Finance and Central Banking Remarks at the Fourth FinTech Forum Hiroshi Nakaso Deputy Governor of the Bank of Japan (English translation
The Future of Business Travel Payment. Michael Fürer BeLux Director, AirPlus International
The Future of Business Travel Payment Michael Fürer BeLux Director, AirPlus International Digital Transformation Day, Antwerp, 18 May 2017 AirPlus International A leading international provider of Corporate
Why is O2 doing car insurance?
Why is O2 doing car insurance? The reason, and the role of data Steve Wright Head of Product & Operations. O2 Drive Insuretech December 6 th 2016 A bit about O2 You probably know O2 as And we also do this
Maine Online Global IBT Online Website Localization and International Online Marketing for Exports
Maine Online Global IBT Online Website Localization and International Online Marketing for Exports 1 Introduction April 2017 Go Global with Website Localization and International Online Marketing! Presented
As meters get smarter, who gets the power?
As meters get smarter, who gets the power? The better the question. The better the answer. The better the world works. Of special interest to: Chief executive officers Managing directors Strategy directors