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This paper people is Aisling Bea, an Irish actress, comedian and writer, the papercraft created by sally. Aisling Bea attended Trinity College Dublin where she was a founding member of comedy group H-BAM, which performed at the Edinburgh Festival Fringe in 2003 and 2004.
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October 2018
INKPPT Unveils a Stunning 'Corporate Life' Infographic Presentation TemplateOctober 8, 2018
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Administrative Assistant
Jessa is an administrative assistant at the ONPC, where she facilitates communication between clients and practitioners, including scheduling and educating clients on the treatment process. Jessa has spent the last four years honing her customer service and organizational skills in an entrepreneurial capacity. Her passion for and commitment to helping others enables her to provide an effortless client experience.


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Content Count1,709
Last visited
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About Spotty
Catastrophe is imminent
- Birthday 20/11/1991
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Brisbane, Australia
Theme Parks, travelling
Park & Ride Stats
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Bermuda Triangle (Sea World)
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Every 10 or so years though, they are required to do a full track inspection just to make sure. Can't remember exactly how many years, but it is certainly a thing.
I didn't notice any broken load doors when I was there on Sunday? Scooby however just a joke... but that's a whole different story.
Movie World April Update
Spotty replied to Gold Coast Amusement Force's topic in Theme Park DiscussionI really hope they were running 2 trains on all rides. It looked like in the video that Rivals was running 1 train, and same with Road Runner. Was also interesting to see the Wild West Roadhouse food outlet actually open as well.
New and very different attractions
Spotty replied to pushbutton's topic in Theme Park DiscussionScooby Doo when it first opened IMO was very unique given all the theming and elements that it had. Wipeout was also very unique at the time of opening. One that also stood out to me was Supersonic Oddessy in Malaysia, a full size Intamin looper inside a shopping mall. Was a great ride too.
The lockers were enforced for the first 2-3 months of Green Lanterns operations, it used to confuse guests as they could see the loose items boxes on the platform but were made to put them in the lockers. I think it was around Feb / March when they changed it. This was also when they were trialing running 6 cars on the track (and lets just say, the ride did NOT like that one bit) and it didn't make the capacity of the ride any better, just resulted in people sitting on the brake run for ages.
Adventure World MI4 - 2019
Spotty replied to Tim Dasco's topic in Theme Park DiscussionHell, a lot of Australian carnival rides are over 30 years old and still run great.
The Off Topic Topic
Spotty replied to DonjaiInLA's topic in Theme Park DiscussionCorrection: Blue = Wardrobe Green = Kitchen (Above that is the staff canteen) Red = Admin Pink = Staff Toilets / Locker Room + other misc park operations Purple = Show's Rehearsal room Orange = Maintenence Brown = Parade storage Teal = Training room (Although most training is in the old gremlins theatres these days)
Press Release Dreamworld Invests in team members' futures with launch of new Training Academy
Spotty replied to Parkz News's topic in Theme Park DiscussionVRTP's training is very thorough for their ride operators, speaking from experience. Mind you this was nearly 7 years ago now but even then it was a very full on day (or 2 - 3 depending on the ride). And if you didn't feel comfortable after your training, they would give you more until you did. I'm not sure what their training is like now, but i'd only assume it's been improved even further than what it was back then. I can't comment on Dreamworld's training as I never worked in attractions there so I can't compare. But I have no issue trusting VRTP's training procedures at all.
Someone is coming to Dreamworld
Spotty replied to themagician's topic in Theme Park DiscussionPossibly the storm troopers coming back?
Looking at a video of the Wave Swinger at Pleasurewood, it looks suspiciously like the one OCS owned. Not sure if they have sold it or not.
Sky Voyager Opening Date Competition
Spotty replied to Archer's topic in Theme Park DiscussionSummer 2019* *American Summer, so June - technically still summer so they aren't "wrong" with advertising.
I can confirm it is March's unit that used to be at LPS. It actually went back there in the mid 2000's for a period of time before travelling again. On some of the panels around the ride when it's set up it actually has the history of the ride and how it came from LPS.
A Movie World History Lesson
Spotty replied to themagician's topic in Theme Park DiscussionThe Studio Commissary (or Stars Cafe) will always have a soft spot being where I had my first ever job as a waiter. The food back in the day was really quite good for a theme park, think Cobb Loaves, Club Sandwiches etc. It was a seasonal venue in it's later years along with a small Ice Cream Parlour attached which is where they take character photos now. It was also home to a very large commercial kitchen which if i'm not mistaken is still used to this day as the main kitchen? It was also home to Breakfast with the Stars early on in it's life, along with Lunch with the Legends. This is actually where Sophie Monk from Bardot and other ventures actually started her career as a Marilyn actor. Honestly I think it was the nicest food venue the park had, where you could just sit back and relax with a nice coffee and lunch and soak up the atmosphere of the park.
Movie World DC Hypercoaster plus sized harness fit?
Spotty replied to Immisa's topic in Theme Park DiscussionThe seatbelts on Superman have not changed since opening (obviously replaced over time but length the same). I don't think there would be any large variances in the length of them between the front and back rows of each car though.
It was the same Octopus ride that had the accident at Aussie World. The unit was built by Sorani and Moser, I remember someone years ago asking on AAF about it and having a close up photo of the logo on the rides carriages.


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Explore Other Events
October 2, 2018 at 9 AM | Riga, Latvia
Toptal Speaker
TAPOST (Theory And Practice Of Software Testing) presents The Ultimate Test Automation, an international conference taking place October 2-3.
The 19th edition of this conference, this event will bring together Latvian and international experts including Alexander Pushkarev, a QA Automation Engineer at Toptal. In his talk, titled The quest for the ultimate autotest coverage, Alexander will show you how to make your test automation initiatives more successful.
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The National Library of Latvia, Mūkusalas street 3, Riga, Latvia
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Floyd Mayweather Jr. and Errol Spence speak out on Adrien Broner's loss
Floyd Mayweather Jr. and Errol Spence speak out on Adrien Broner's loss
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Book Title: Is-slottet
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Edition: Steen Hasselbalchs Forlag
Date of issue: 1969
Format files: PDF
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Commonly seen as the legendary Norwegian writer's masterpiece, this story tells the tale of Siss and Unn, two friends who have only spent one evening in each other's company. But so profound is this evening between them that when Unn inexplicably disappears, Siss's world is shattered. The Ice Palace is written in prose of a lyrical economy that ranks among the most memorable achievements of modern literature.
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Read information about the authorTarjei Vesaas was a Norwegian poet and novelist. Written in Nynorsk, his work is characterized by simple, terse, and symbolic prose. His stories are often about simple rural people that undergo a severe psychological drama and who according to critics are described with immense psychological insight. Commonly dealing with themes such as death, guilt, angst, and other deep and intractable human emotions, the Norwegian natural landscape is a prevalent feature in his works. His debut was in 1923 with Children of Humans (Menneskebonn), but he had his breakthrough in 1934 with The Great Cycle (Det store spelet). His mastery of the nynorsk language, landsmål (see Norwegian language), has contributed to its acceptance as a medium of world class literature.
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We all/GCE have been very busy during the recent months. CHE Trainings across the Mesoamerica Region and beyond, Short Term Mission Teams, Administration improvements, Entering new communities, "Relief interventions"….in CHE??? How???….. let us share with you some fruit reported from our fellow workers on the front lines out there on the field. Valeria at the […]READ MORE
Crowning the Year 2015: For the Chief Musician. A song. A Psalm. You crown the year with your bounty. Your carts overflow with abundance. The wilderness grasslands overflow. The hills are clothed with gladness. The pastures are covered with flocks. The valleys also are clothed with grain. They shout for joy! They also sing. Psalm 65:11-13 […]READ MORE
For the 6th CHE Internship Training for Mesoamerica Region scheduled June 1 through 29 in Quetzaltenango, Guatemala. For the proper participants to be here from across the region For the finances needed to provide scholarships For the curricular program For the host villages when out of classroom For the coming Short Term Mission trips: Harvest Bible […]READ MORE
Praises: The villagers at Las Barrancas and Las Granadillas are slowly recovering about rebuilding their crops irrigation system to continue to produce income locally so to avoid life threatening migration to Guatemala city, to Mexico and beyond. Those who were helped to rebuild after the earthquake now have a basic shelter of their own. The Short […]READ MORE
Praises: The CHE Training Center caretaker family Vitelio and Lucrecia seem to be adapting gradually to the current extreme conditions as they have moved to the property since January 4. Pray for their children's schooling too as they have to adapt. The Ministry of Drops of Grace in Texas has confirmed they want to partner […]READ MORE


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Ops Specialist: Information Security ( Anti – Virus)
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Accounting Officer / Assistant Accounting Officer (5-day work in Kwai Hung commercial building)
|Job level
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Within Hong Kong
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Accounting > Accountant
Accounting > Accounting / Finance Manager
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Job Responsibilities
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Project Info
Project Description
Rabies outbreaks. Rabies occurs in domestic dog populations in villages that are adjacent to wildlife areas. Spillover into wildlife happens if domestic rabies vaccination campaigns are not totally effective. Our CWF member PDC vaccinates many domestic dogs near HNP annually. However, cases in wildlife continued to rise with five Honey Badger deaths and a Hyena now confirmed as positive in 2018. PDC tragically lost an entire known pack of Wild Dogs in their study area last year. In addition a Hwange Lion Research staff member encountered a rabid domestic dog inside HNP recently, which a ZPWMA ranger destroyed and CWF sampled. CWF has official sample kits from the government's Central Veterinary Laboratory now operational in Hwange and all cases are submitted either directly or via our collaborators at VFWT Vet Lab in Vic Falls. Rabies is a national notifiable disease. Our manager and Field Ops manager and involved staff are qualified and trained to safely take samples the correct samples required by Government and other laboratories.
CWF funds these field collection kits and materials, and the necessary transport to the nearest lab for investigation. CWF manager has given informative talks to educate different Hwange stakeholders about Rabies to allay many misconceptions about the disease.
In addition, CWF Manager Dr Richard Hoare has recently facilitated a foreign veterinarian with her own full funding for a PhD study starting in 2019, to investigate the rabies problem and its control around Hwange. This is in collaboration with our CWF member PDC who will accommodate her at PDC in Hwange and assist with her permits etc, and arrange for her to supervise PDC's already extensive rabies vaccination campaigns in communal land villages around Hwange.
CWF has arranged for the Faculty of Veterinary Medicine at the University of Zimbabwe to collaborate (through the Dean who was approached). This project which will also involve government Veterinary Dept personnel in Hwange, and Victoria Falls Wildlife Trust Vet Lab.
This project which will also involve government Veterinary Dept personnel in Hwange, and Victoria Falls Wildlife Trust Vet Lab, and most importantly, the ZIMBABWE WILDLIFE VET UNIT, (in Harare) which is at the designated Government Reference Laboratory for Rabies and other diseases.
© All images are subject to copyright laws.


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DPI, Guyana
Drainage and irrigation, solid waste management and repairs and upgrades to market places are the priority areas for the Mayor and City Councillors (M&CC) of Georgetown to address when the council's budget is completed, in a matter of weeks.
During their statutory meeting yesterday, Deputy-Mayor Alfred Mentore disclosed that in its budget for 2019, the M&CC is looking at an estimated, $130M for the rolling out of projects. These will include the completion of upgrades to the Kitty Market and La Penitence Market, upgrades to stalls at the Bourda Market and rehabilitation of the roads at the East Ruimveldt Market.
Mentore highlighted that the Solid Waste Department was asked to recommend ways in which revenue could be brought into the council coffers.
He pointed out that most of the council's revenue is paid to persons contracted to handle garbage disposal, those hired monthly to clean drains daily and maintain the city's environment. As such he noted that the "more revenue the department brings in the council will be able to utilise these funds on other projects."
Mentor added that the engineering department is yet to submit plans on what priority areas they wished to have addressed before the wrapping up of the council's budget.
"Hopefully, we'll have a general idea of all the various departments of the council, and out of that, I presume, a plan as to when we'll have the full budget presentation by the chairman of the finance committee."
So far, a feasibility study has been completed by the Ministry of Public Infrastructure and there are plans to finance the rebuilding of the Stabroek Wharf. The council may look at the newly built wharf (when works are completed) as a tourist attraction as the vendors have been/will be placed in other locations.
Kipenie Jordan
Images: Giovani Gajie
DSC_0984: Deputy Mayor, Alfred Mentore speaking to the Department of Public Information (DPI)


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Dear all,
I am using NX Nastran 12 for modal analysis of a model containing contacts.
I followed the guidelines of this discussion, using a static pre-load (e.g. bolt preload) for establishing real contact behavior.
The mode shapes and resonance frequencies are so calculated but when I tried to extract the frequency response function (FRF) of the structure, a warning appears informing that negative eigenvalues occurred in op2 file and check the f06 file for further details, as depicted in the image. This messagge is shown both using a SOL 103 Response Dynamics and a SOL 103 Real Eigenvalues.
Reading the f06 file, however, I find nothing about negative eigenvalues.
Anyhow, the FRF appears but I do not understand if the graph depicted is correct or if it is affected by the problem of negative eigenvalues.
Moreover, when only using SOL103 Real Eigenvalues in particular, an additional messages appears with the following text:
"Solution103 displacment modal results are in the Basic Coordinate System.
This may cause errors with results. To generate modal results consistent for use with Response Dynamics, add the Nastran parameter OUGCORD to the input deck as: PARAM, OUGCORD, GLOBAL".
Reading this topic, an user had this last problem. As suggested, I added the parameter OUGCORD = GLOBAL in the parameter list (PARAM) but the abovementioned message appears again.
How can I fix these two error?
Solved! Go to Solution.
I understood because the message concerning the negative eigenvalue appeared. It is due to the tolerance that is entered in the "New Response Dynamics" menù.
Let is take a practical example: Attached you can see the real eigenvalues (rad/s) calculated from a modal analysis. The first rigid mode (1.88e-03 Hz), for numerical resolution is negative but in the view results is shown positive.
In the NX help, Rigid body tolerance is defined as follow:
"Sets the frequency tolerance for determining rigid-body modes. All models have at least six rigid-body modes (three translational and three rotational). In the calculations, the software assumes that any mode below this frequency is a rigid-body mode."
However, entering a value of tolerance equal to 1E-03, the message relative negative eigenvalues appear whereas if we eneter a value of 1E-02, the warning message does not appear.


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Level the playing field for innovators.
Let the merit of an idea or innovation be the primary reason for government support. Remove biases in funding opportunities that favor large institutions over small entities. Merge individual or small business innovation funding into the same pool enjoyed by corporations, universities, and national laboratories. In this way, we can revive the spirit of American ingenuity.
Idea No. 337


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Saman, Abu Bakar Sayuti and Abdramane, Issa (2013) Solving a Reconfigurable Maze using Hybrid Wall Follower Algorithm. [Citation Index Journal]
A key feature of an autonomous vehicle is the ability to get to a target location while traversing through a previously unknown environment. Mapping the environment will allow the vehicle to find an optimum path. This paper explores this issue by programming a mobile robot to find the shortest route in a reconfigurable maze. A wall follower algorithm with combined left-hand and right-hand rules is implemented upon several different maze configurations. It is found that the hybrid algorithm has improved the maze solving capabilities of the maze robot significantly
|Item Type:
|Citation Index Journal
|Academic Subject One:
|Academic Department - Electrical And Electronics - Instrumentation and Control - Robotics - Robotics prototypes with AI
|Departments / MOR / COE:
|Departments > Electrical & Electronic Engineering
|ID Code:
|Deposited By:
|Mr Abu Bakar Sayuti Saman
|Deposited On:
|21 Apr 2014 04:56
|Last Modified:
|21 Apr 2014 04:56
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The Anatomy of Consumer Switching Behaviors. Solving the Stumbles that Prevent Profitable Engagement
- Olivia Thompson
- 1 years ago
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1 The Anatomy of Consumer Switching Behaviors Solving the Stumbles that Prevent Profitable Engagement
2 2 Executive Summary Driving consumer account-switching behavior is a key objective for financial institutions, yet few are completely successful at converting newly acquired accounts into profitable, long-term relationships. To explore the challenges financial institutions face in cultivating long-term, profitable relationships with account-switchers, Digital Scientists, on behalf of Deluxe, conducted in-depth, online interviews with 1,013 consumers, ranging in age from 18 to 54. Conducted in December 2014, the survey polled consumers who held checking accounts with a bank or credit union, and who participated in household finances. In this report, we will share key findings from the survey, including: n Consumers are more likely to switch financial institutions if the financial institution has failed to motivate them to stay, rather than because the financial institution has done anything to motivate them to leave. n Availability and quality of digital tools is an increasingly important factor in consumer switching behaviors, especially among Millennials. n A consumer s experience with other financial institutions whether directly through a secondary account or through a referral from others opens the door to account switching. n When onboarding fails to facilitate ease of switching, new accountholders become disengaged, unprofitable customers. We ll conclude this report with recommendations for how financial institutions can maximize the profitability of their account-switching efforts and onboarding programs. Contents 3 Anatomy of a switcher: Who s switching accounts? 4 What motivates switchers? 7 Securing switchers is imperative 8 Switchers open significantly more new accounts 9 Key Recommendations 10 Appendix
3 3 Anatomy of a switcher: Who s switching accounts? The study found that more than 17% of account holders switched their primary financial institution within the past 12 months. This number appears higher than what we often see in the market because it reflects the number of consumers who actually did switch, rather than those who say they plan on switching. In this statistic, many of the switchers acted out of necessity, and not because they were unhappy with their current primary financial institution. An interesting profile of likely switchers emerges from this research (see Figure 1). Figure 1 A probable switcher is: Typically male. Men are more likely than women to switch banks or credit unions by a three-to-two margin. Married. Nearly 67% of surveyed switchers were married, while just 28.2% were single. Raising a family. Over 70% have children in the household: 33.7% younger than 5, 13.1% between 5 and 11, and 24% had children between 12 and17. n Millennial. A significant majority of surveyed switchers were between the ages of 18 and 34, with 16.6% aged and 58.9% aged n Earning $75,000 to $100,000 annually. People in this income range were nearly twice as likely to switch as those earning $25,000 to $50,000, and nearly 12 times more likely to switch than higher-earners in households with annual incomes exceeding $150,000. n College educated. Nearly 40% of those who had switched financial institutions in the past 12 months held college degrees, and 26.3% had done graduate work or achieved graduate degrees. Just 12% of switchers had only a high school education, and 22.9% had done some college coursework but not completed their degrees. They are commonly switching away from large national banks to large regional credit unions and online banks. Rarely are they migrating from smaller financial institutions to larger, national banks. The flow of business illustrates the strong influence of Millennials who apparently have greater bias against larger, national institutions and a greater affinity for digital relationships. THE TAKE-AWAY Financial institutions looking to grow their accounts should target consumers who are most likely to switch. Financial institutions have access to numerous tools to refine their targeted marketing. For the best success, target your efforts based not only on demographic traits but also on internal and external indicators from data in the marketplace.
4 4 What motivates switchers? Popular belief is that life circumstances such as a relocation, changing jobs, change in marital status, or extreme dissatisfaction with a consumer s current primary financial institution are the strongest motivators of switching behavior. Yet Digital Scientists research reveals that the primary impetus for consumers to move accounts actually stems from financial institutions, and it s related to what they re not doing (motivating people to stay) rather than what they are doing (motivating people to leave). Figure 2 Top Ten Reasons for Switching Financial Institutions Past 12 Months Checking Acct. at other bank 30.3% Online Bill Pay 28.6% Fees Customer Service 26.9% 26.9% Rates 25.1% Mobile Banking Quality of Advice Referred by friend Locations Online Banking 23.4% 22.9% 22.3% 21.7% 21.1% 1. Secondary accounts with other financial institutions In our survey, 30.3% of consumers cited the fact that they have an account with a secondary financial institution as a leading factor in their decision to switch all their business to that secondary financial institution (see Figure 2). Having a secondary account shouldn t be an immediate cause for concern. There are many reasons why a consumer would have accounts with multiple financial institutions: Household members managing their own income and expenses, failure to close out an old account, and maintaining a business account. It is, however, something to monitor as unhappy account holders find an easier path to leave when they have a strong secondary banking relationship. These consumers may already have a foot out the door at your financial institution. Spend time trying to understand why your account holders have secondary relationships and if there is anything you can do to remove the necessity for this secondary relationship to exist.
5 5 2. A desire for digital A desire for better digital services is also a strong driver of switching behaviors. Among the top reasons for switching, consumers cited a desire for online bill payment (28.6%), mobile banking (23.4%) and online banking (21.1%). Interestingly, two of these motivators are also factors a Javelin Strategy & Research banking study 1 identifies as leading to deeper engagement: use of online bill pay and online banking (see Figure 2). Once switched, consumers exhibited the most satisfaction with their new bank or credit union s digital capabilities. Nearly 71% were pleased with the smartphone app, 64.3% liked the mobile-friendly website, and 65.5% said they were pleased by the ease of access when logging on to the main website from a computer (see Figure 3). Figure 3 Satisfaction with Methods of Accessing Bank Accounts (Top 2 Box Scores 4+5) Among Recent Bank-Switchers vs. All Financial Institution Customers Bank Switchers All Financial Institution Customers 65.5% 64.3% 70.8% 62.5% 62.1% 66.1% 64.5% 70.8% 69.3% 65.5% 73.5% 56.0% 57.7% 57.7% 56.2% 51.2% 52.0% 42.9% 44.4% 45.7% 27.6% 30.1% Other PF Services (e.g., Apple Passbook) PF Mgt. Services (Mint, HelloWallet) Phone Call Center Online Banking Site w/tablet Bank App w/ Tablet Online Banking Site w/ Smartphone Bank App w/ Smartphone Bank/CU branch Monthly Statement ATM Online Banking Site w/ Computer Millennials, who are among the consumers most likely to switch, especially demonstrate a high affinity for digital tools. This age group is more prone to access the Internet through mobile devices like smartphones and tablets than are their Gen X and Baby Boomer peers. And although use of virtual/online banks was low across all age groups, Millennials still represented the highest percentage of users at 8%. In fact, they were almost twice as likely to use an online bank as consumers in Generation X. Further, the majority of Millennials (54.4%) cited the mobile app as the most important way they receive information about products and services (see Figure 4). Clearly, digital tools are important to nearly every age group, and banks or credit unions specifically targeting Millennials would do well to improve their mobile offerings.
6 6 3. Customer experience It s no surprise that an unsatisfying customer service experience with their current financial institution could motivate consumers to switch institutions. But the impact of customer experience on switching decisions is far more multi-layered. Both negative and positive customer experiences impel consumers to consider migrating their business. Our research shows that nearly 27% of switchers say fees prompted them to make a change. Some undoubtedly left their current financial institution to escape what they perceived as high fees, while others were lured away from their current financial institution by the promise of low introductory fees (see Figure 2). Customer service was a motivator for approximately 27% of consumers as well. While a poor experience certainly does nothing to convince a consumer to stay with a financial institution, a positive customer experience in making a simple inquiry about products and services could sway customer perception in favor of switching to a new financial institution. Nearly 23% also cited the quality of advice they received as impetus for switching financial institutions. Clearly, financial institutions need to ensure that every interaction with customers is a positive one, since a single poor experience can have a profound effect on a relationship (see Figure 2). 4. Other considerations Other factors, while less influential, also impact switching behaviors. Although the industry frets perennially over the fate of branches, strong evidence suggests that the branch is not dying out. Our research indicates that the age group perceived branch location to be of greater importance than did those in other age groups. For example, college students relocating said having a nearby branch was important to them. Overall, just under 22% of respondents said they switched to secure more convenient branch and ATM locations. However, nearly a third (31%) of year-olds cited the location of branches and ATMs as a contributing factor in their decision to change their bank or credit union. Even though they may walk into a branch only once or twice a year, consumers still prefer to do business with financial institutions that have locations near them (see Figure 5). Consumers who feel that the products and pricing offered by their current financial institution don t meet their needs are more inclined to switch. About 25% of those said rates that didn t fit their expectations inspired them to switch, while 20% cited a lack of loan products (see Figure 2). Figure 4 Importance of Mobile App when learning about bank products and services 53.6% Millenials Figure % Gen X % Importance of Branch/ATM locations 21.7% All Ages Multiple studies show that referrals, the opinion of family and friends, and where loved ones do their banking all heavily influence decisions to switch. Slightly more than 22% of people in our poll cited a referral as a driving factor in their movement from one bank or credit union to another (see Figure 2). THE TAKE-AWAY Financial institutions need to shore up the factors their customers value most. Some are universal strong online and mobile capabilities and outstanding customer service. Be cognizant of customers secondary relationships; those are openings that could allow a customer to slip away. Learn what your gaps are so you know where to focus your efforts.
7 7 Securing switchers is imperative Many financial institutions do a credible job of acquiring switchers. They are often less efficient, however, at securing them. After the initial switch, new account holders are in a honeymoon phase and are likely to be most receptive to frequent, relevant communication. In fact, Digital Scientists found that switchers valued all types of communication from their financial institutions significantly more than did established account holders (see Figure 6). Digital experiences weighed heavily among recent switchers, who demonstrated a marked affinity for and satisfaction with digital experiences. Switchers also gave high scores to traditional channels of communication, including branches, statements and ATMs. Communication through these preferred channels can help a financial institution secure a new relationship, and set the stage for future growth and profitability of the account. Figure 6 Types of Communication Importance Scores (4+5 Ratings) Among Recent Bank-Switchers vs. All Financial Institution Customers Bank Switchers All financial institution customers 59.4% 62.3% 62.3% 62.3% 68.0% 63.4% 61.1% 64.0% 61.7% 67.4% 78.9% 69.7% 72.6% 70.9% 66.4% 67.6% 60.4% 55.5% 47.3% 33.2% 36.3% 36.4% 36.7% 37.6% 38.8% 39.8% 40.6% 42.3% Webinar P re-roll Video Ads Display Ad on PF Sites Bank Blog D isplay Ad on Social Media Social Media Post Google Search Ads Cable TV Ad ATM Promos Mobile App Display Ads on Bank/ CU Site Direct Mail With Newsletter Links to Products THE TAKE-AWAY Acquisition efforts are wasted if a financial institution fails to deliver a rock-solid onboarding experience for new account holders. Consumers will never be more open to your communication than they are at the outset of the relationship. Once new customers have been successfully onboarded and your position as their primary financial institution is secure, you will have greater opportunity for successfully cross-selling these fully engaged customers.
8 8 Switchers open significantly more new accounts Financial institutions generally agree that the account holders who have the most accounts open with an institution are more profitable than account holders with fewer accounts. So the challenge for banking executives and marketers is to identify that group of account holders who are more likely to open additional accounts. The Digital Scientists study results offer that answer. The study shows those individuals who recently switched accounts compose the group most likely to open additional accounts. The numbers are significant. (see Figure 7). Figure 7 Bank-Switchers open considerably more accounts first 6 months after switch Survey of those who switched in last 12 months vs. total FI base 66.9% Bank Switchers All Financial Institution Customers 29.7% 32.0% 28.6% 23.4% 31.3% 14.4% 11.0% Mortgage HELOC Car Loan Savings Account Switchers have an interest in high-value products like mortgage loans and HELOCs. They open three times as many HELOCs as the standard account holders and twice the number of mortgage loans. A new switcher is well over twice as likely to open a new savings account than any other account holder at the same institution. Significantly, all this activity takes place in the first six months after the switcher opens an initial account with the financial institution. Reasons may vary (see Figure 2), but whatever the individual account holder s reasons, the study results show the effect is real. THE TAKE-AWAY New switchers are an important group of new account openers. Not only do they open an initial banking account, but they open a significant number of additional accounts in the first six months compared to all other banking customers. A financial institution that focuses recruitment efforts on the new switchers group can find success and increase profits.
9 9 Key Recommendations Maximizing profitability of new accounts requires financial institutions to change how they think about acquisition and onboarding processes. Many financial institutions with churn issues aren t using sound marketing techniques to acquire customers, nor are they doing an effective job of onboarding newly acquired customers. A shotgun approach to marketing is ineffective. At a bare minimum, financial institutions need to understand the types of people who are most likely to leave their current primary financial institution, including consumers who have accounts at other financial institutions, those seeking better digital services, those seeking better rates or lower fees, and those looking for a superior customer service experience. For example, rather than promoting a new mobile app to consumers in every age group, financial institutions should target their marketing efforts toward Millennials, who exhibit a high preference for digital tools. Messaging should be audience-specific and focused on the experience, digital solutions, and locations. Ideally, banks and credit unions who struggle to do this should partner with a marketing agency that has an intimate understanding of the industry, and that can use both internal and external data to target those with the highest priority to buy in the institution s market. Onboarding must not be overlooked or underserviced. Onboarding is a crucial step in which many financial institutions fail to adequately invest. Financial Institutions need to help new account holders overcome initial hurdles to switching by providing a strong digital switching experience that anchors them. Incent them to use mobile and online tools and introduce them to free services and advice. Consistently communicate, applying a personalized touch through preferred communication channels. Consumers who feel engaged and cared for are less likely to switch again. Act to minimize churn by identifying potential switchers. Develop a model for identifying at-risk consumers, based on demographics e.g., males and Millennials are more prone to switching. Decrease attrition through customer outreach and a feedback discovery process that begins with the opening of the account and continues throughout the onboarding phase. For example, knowing that a consumer who has accounts at a another institution is more at risk of switching, query enrolling customers on what other accounts they may have at other financial institutions.
10 10 Appendix A: Methodology n In-depth, online interviews with 1013 Bank and Credit Union consumers to assess appeal of new forms of bank/cu communications and promotions n Field Dates: December 1-8, 2014 n Sample: year-olds with checking account and participation in household finances Appendix B: Endnotes 1. Convert Silent Attrition into Banking Engagement and Profits, Javelin Strategy & Research, December , Digital Scientists, LLC. All rights reserved. Unauthorized reproduction is strictly prohibited. Information is based on best available resources. Opinions reflect judgment at the time and are subject to change. Digital Scientists is a trademark of Digital Scientists, Inc. All other trademarks are the property of their respective companies. For additional information, go to
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text:
Tossing Salt Presents:
Music Fact or Fiction
December 2, 2017
I should be getting ready for work right now. I'm not. There is plenty of time for that, but right now, I have to take a trip into the world of pop culture and more pointedly, the world of Music Fact or Fiction. The questions, per the usual, come from my friends at 411mania.com/music. The answers and comments that follow, that's all me. Let's do this…
1. Jay-Z is a lock to win Record of the Year at the Grammys.
FICTION: Jay-Z may or may not win this award, but "Record of the Year" is always one of those that doesn't always go as predicted. Kendrick Lamar and Bruno Mars are both there in contention as well and they have some good stuff out right now. I think this category is pretty much an open field this year.
2. You're mostly pleased with this year's Grammy nominations.
FACT: I really don't pay much attention to the Grammy' Awards and honestly, could care less about who is nominated for what, but looking over the list of nominations, I don't see anything outrageously bad listed. Alice Cooper is snubbed, but that's to be expected. Other than that, no big surprises and I'm okay with it.
3. Fergie is a good choice to host The Four.
FACT: She's popular, charismatic and as good as anyone else and better than most so why the hell not. Now, what is "The Four"? Doesn't matter. I probably won't be watching anyhow.
4. Load and Reload are underrated Metallica albums.
FACT: Both albums are good in my opinion and I liked them. I know that they're not the usual hard metal sound that most people have come to expect from Metallica and I don't care. Bands change and evolve as time passes and that's exactly what happened here. "Load" has some good tracks such as "Until It Sleeps" and "Bleeding Me" and there are songs like "The Memory Remains" and "Unforgiven II" on "Reload". Most of the tracks on both of the albums are good, solid songs with a good sound and great lyrics. No complaints here about either.
5. Bruno Mars' first live TV special will be worth watching
FACT: If I happen to be home and watching TV, I'll try to watch it. Bruno has grown on me over the years and he's entertaining and charismatic and from all I've heard, puts on a great live show so I'm expecting that anything else he does, such as this, will go above and beyond expectations as well. It should be good.
6. A Tribe Called Quest should have been nominated for a Grammy.
FACT: They're on the comeback trail and have put out some good stuff this past year and yeah, probably are deserving of a Grammy nomination, but hell, Alice never gets any nominations and he's doing okay. And how often do Hank Jr. or Kid Rock or Shooter get nominated for anything and their stuff is usually way better than most of the mainstream crap out there today. Same for Struggle, Yelawolf and so many others. ATCQ deserves more respect, but they'll be okay regardless.
And there you go. I'm through for now. Time to go get myself moving and grab some breakfast before I go sell a lot of liquor for the next eleven hours at the ABC. Thanks for reading. Thoughts and comments are welcome and appreciated. Until the next time, take care…