Digital banking transformation: Where should you start?

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Bank and credit union executives are getting bombarded daily with messages warning of the demise of the banking industry as we know it if major actions aren’t taken immediately. From replacing legacy operations systems to implementing artificial intelligence solutions, there are more priorities than any organization can handle at once. As a result, many organizations end up doing nothing or focusing on initiatives that don’t move the revenue, cost containment, customer experience or market value needle.The question, “Where should we start?” has never been more important, because there are mounting pressures from the consumer, the government, new competition and shareholders to do something meaningful … TODAY. While there could be significant debate around which priorities are the most important for any specific bank or credit union, below are some ‘low hanging fruit’ ideas that should be considered. Most are relatively easy to implement, providing a foundation for broader strategies going forward.Improve Your Mobile Banking ExperienceConsumers are increasingly selecting bank and credit union providers based on digital banking functionality. It is no longer enough to just provide account balances and a list of recent transactions on a smartphone. Consumers want advanced functionalities that not every financial institution provides today. Some of the ‘must have’ capabilities include: continue reading »last_img read more

Presented measure to encourage employment for caterers and tourism workers of the City of Pula

first_imgThe challenges are there to try to find a solution, and it is found by those who are proactive, courageous and who have a real desire to find a solution. Of course, only one measure can never be effective because it is a complex situation, such as the current problem of labor in tourism, and without a systematic approach to solving problems from multiple sides and a complete strategy, there is no long-term effect. But every step forward and putting together the pieces of the tourist mosaic is commendable, and so is this one.Thus, the city of Pula, in cooperation with the portal Gastroposao.eu, ie through that portal, will mostly subsidize catering and tourist facilities in the sector of small and medium enterprises in the city of Pula in order to quickly and easily “find” supply and demand for quality work. strength in tourism. All with which the incentive measure of subsidizing entrepreneurs from the area of ​​the city of Pula in finding a quality workforce in the hospitality and tourism.”The city of Pula is continuously finding ways to help develop industries that provide new jobs and increase living standards. Thus, we recognized the need to create a simple and exact measure that will help entrepreneurs find a quality workforce. We are aware that this task is not easy, but we are of the opinion that in this way we will directly increase employment, create profit and income and raise the overall quality of gastronomy.”Said Boris Miletić, the mayor of Pula, noting that the only condition is that the beneficiary of the measure is from the area of ​​the city of Pula.The initiative itself started spontaneously, they pointed out at the press conference, because both the City of Pula and Gastroposao.eu were looking for a solution on how to help the sector – simply, quickly and without additional paperwork. It is known that the problem of finding quality workers has hit tourism and catering the hardest, while the existing measures of the CES and other institutions are not so practical and difficult to give quick results, so we started this kind of cooperation.Gastroposao.eu is a professional portal in the Horeca sector and the only portal in Croatia that specializes in finding jobs in the hospitality industry. The project is designed in such a way that Gastroposao.eu provides logistical assistance, in announcing tenders on the portal itself, and through social networks, as well as to proactively address the need for manpower of a particular facility throughout Croatia.All interested parties from the area of ​​the city of Pula will be able to apply for the tenders, and the action will be additionally followed by marketing. It is important to emphasize that intermediaries are avoided within this project because the employer and the employee communicate directly with each other. In this pilot project, the City of Pula participates in subsidizing the costs of individual tenders and advertising for each entrepreneur, while entrepreneurs will participate in the costs symbolically – only 100 kuna and will be positioned on the portal as a major prominent advertiser for 30 days. This approach helps caterers, small and medium-sized enterprises to actively participate in the labor market with minimal investment and more easily find a quality workforce.According to information from the Association of Craftsmen, 227 crafts are engaged in tourism and catering in the city of Pula, ie 484 in the former municipality of Pula, and it is estimated that the city lacks about 150 quality employees in the industry, not counting the needs of large tourist houses operating in the city. Pula, which are also significant.last_img read more

Sagna sidelined with injury

first_img Press Association “You expect when you play so many games with that much intensity that you will lose one or two players. “We have so many games that I always knew I’d have to make changes. Full-back is a demanding position.” Lukas Podolski is expected to return to training this week having recovered from his own hamstring injury with the trip to Manchester City on December 14 the earliest possible date for the German forward’s return. “Lukas Podolski should be back in normal training after the Hull game,” Wenger said. “He will then be available but he lacks match fitness. It will take at least a week with normal training to consider him fit for the squad.” Wenger denied reports that he has agreed a six-month loan deal for Real Madrid striker Alvaro Morata and that a £6million bid for Brazilian marksman Alexandre Pato has been rejected by Corinthians. Sagna is expected to be out for one match with Carl Jenkinson set to replace the French full-back as the Gunners seek to increase their lead at the top of the table. “I believe we will lose Sagna who has a slight hamstring problem and he should be out for tomorrow’s game,” manager Arsene Wenger said. center_img Arsenal defender Bacary Sagna will miss Wednesday night’s Barclays Premier League clash with Hull at the Emirates Stadium with a hamstring injury.last_img read more

Badgers looking at do or die stretch

first_imgAssistant captain Craig Smith insisted the Badgers need to be more accountable both on and off the ice.[/media-credit]If you watched the end of practice Wednesday, you wouldn’t have thought the Wisconsin men’s hockey team had gone 0-for-February. The players and coaches had a good talk before everyone was let go for the day. Guys were fake fighting and firing shots at the net nonchalantly.The scene was no different from any practice during the Badgers’ 12-of-13 run two months ago. But the circumstances certainly are.Heading into a bye week the first weekend of February, UW was five points back of first place. Guys were beat up, sick and needed a chance to rest. It was a welcome break.Maybe that bye week wasn’t such a great thing after all.Since then, Wisconsin has been swept at Nebraska-Omaha, earned just one point at home against Minnesota and to cap off the 0-5-1 streak, lost 7-3 at St. Cloud State, prompting a team meeting that lasted almost an hour after the game ended.“Everything that was said on Saturday was everything that needed to be said that hasn’t been said in a couple weeks,” assistant captain Craig Smith said.So there’s certainly an awareness of the situation, even if it isn’t evident in the seemingly lighthearted practices. Is there a point where a team can feel too loose, given the circumstances?“To a point,” senior defenseman Craig Johnson said. “The looseness is coming with, we’ve got to stress the word ‘swagger.’ We need to get a little swagger, we need to get that back.”The team, to a man, readily admits that following the sweep by the Huskies, the Badgers have reached their lowest low of the season. And just like every point prior to this, they have stressed growth and learning from adversity.But at a certain point, doesn’t optimism have to change into urgency? Maybe the Badgers waited too long to stop and take a look around.“I think maybe the talk should have happened a little sooner, but we were saying the right things every week,” Johnson said. “And we seemed focused at practice all week. But you could also tell when you came to the rink, there was a kind of ‘What are we going to have today?’”“This week, you know what we’re having, you can sense it this week, which is a good thing.”The truth of the matter though, is that the Badgers are running out of time. This weekend’s series against Colorado College is the end of the regular season. Riding on the games is a chance to claim home ice for the WCHA playoffs, something that seemed a certainty a month ago.Right now, UW sits in seventh place, one spot out of home ice. Four teams are in contention for fifth and sixth place, including Wisconsin, Colorado College, Minnesota and St. Cloud State.There are a number of scenarios that could end with UW playing one more series at the Kohl Center, but the simplest is in its own hands: beat CC. The Tigers are one point ahead in the standings and taking three out of a possible four points this weekend would ensure the Badgers remain the home team when the playoffs start.As Johnson puts it, UW needs to do a lot of “scratching and clawing” this weekend.“We’ve set in stone that we don’t want to travel, we want to be here, we want to have another home weekend – especially for our seniors,” he said. “We really don’t want to leave, let this be our last weekend here.”Intentions and promises are one thing, but performance is another. The large gap between them is the reason Wisconsin – a team Smith said “felt sorry” for itself at times – is looking up at more squads than down.The biggest question for UW is where to begin. It is one matter to have something to point the finger at – special teams, goaltending, effort – but it is another entirely to have everything fall apart.“[We need to] Just take accountability for what we’re doing,” Smith said. “Taking account for what we’re doing with ourselves and our social life and what we bring to hockey.”In February, the Badgers had one of the top power plays in the game, top scoring defense in the nation and in Scott Gudmandson, statistically, the best goaltender in the game.Since then, Wisconsin has allowed at least four goals in five of six games played, inflating their goals allowed per game from 2.00 to 2.42. Gudmandson dropped from first in save percentage to 19th and first in goals-against average to 13th.The Badgers’ special teams units have floundered as well. UW converted on 24.3 percent of its power plays entering February and have gone 5-32 since (15.6 percent). Meanwhile, opponents went 9-33 (27.3 percent) on the man advantage against the Badgers during that stretch.The short version: Wisconsin needs big fixes in all phases of its game.Recent history seems to indicate Wisconsin could have trouble accomplishing the goal of reaching the NCAA tournament. But despite seemingly intimidating odds against, the Badgers trust they can reverse their fortunes quickly.“History tells us what this team can do,” head coach Mike Eaves said. “Based on that alone and being with them all year, gives you every thought, that when this team has been in some adverse situations, they’ve responded well.”The talk is there, but the performances are yet to be put on display. A number of words were used to describe the team’s attitude, including excitement, urgency and as Johnson put it, redemption.Whatever the attitudes or outlooks though, the Badgers are still aware of the reality, which is much less optimistic.“We’ve got to throw urgency into our game. Especially coming down to the end of the season, playoff hockey is played with a ton of urgency,” Smith said. “Season’s on the line right now; if you think about it, it’s kind of simple: We’ve got to win. We can’t lose any more games.”last_img read more

Iowa COVID-19 cases top 35,000 — 143 more cases locally, 89 more in Cerro Gordo County

first_imgFranklin1129 Kossuth422 Franklin642 Hancock613 Kossuth251 Winnebago4412 Winnebago222 RecoveredNew Recovered since Friday morning Butler708 Floyd827 Worth253 Worth10 Mitchell368 DES MOINES — The number of COVID-19 cases in the state of Iowa is now over 35,000. The Iowa Department of Public Health said the number of cases of COVID-19 grew to 35,002 late Sunday morning. That is 503 higher than Saturday’s total and 1246 higher than late Friday morning.There have now been a total of 750 deaths in the state linked to the coronavirus.Between late Friday morning and this morning, the number of COVID-19 cases in the immediate listening area jumped up by 143, with 89 of those in Cerro Gordo County. There were 12 more in Winnebago; nine in Franklin; eight in Butler; seven each in Floyd and Wright; three each in Hancock, Mitchell and Worth; and two more in Kossuth.That brings the area total of cases since the start of the pandemic to 1198 — 399 in Wright; 317 in Cerro Gordo; 112 in Franklin; 82 in Floyd; 70 in Butler; 61 in Hancock; 46 in Mitchell; 44 in Winnebago; 42 in Kossuth; and 25 in Worth.The Iowa Department of Public Health made some adjustments on Friday to the code that was used to report recovered COVID-19 cases on their website, causing some corrections in the number of cases recovered. 48 more people locally have been listed as recovered to bring the total to 680.(The Associated Press contributed to this report) Area Total1198143 Mitchell463 Floyd582 Confirmed CasesNew Cases since Friday morning Hancock463 Wright3997 Cerro Gordo31789 Butler546 Cerro Gordo717 Wright29417 Area Total68048last_img read more