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Is technology freakin’ you out?

first_imgFinancial Technology (FinTech) seems to be taking over the world of banking. And your Board of Directors, Executive staff and possibly even you are all a little on edge. You all know banking…but this whole technology thing…maybe not so much.Loans and deposits will always be with us–but in the future, the winners in banking will have to fight through the value propositions in all of this new technology to find the things that matter.So, what matters? The same banking metrics that have always mattered.Seek out the technologies that improve your institution’s overall performance. You know, bottom-line kind of stuff. People that matter most (investors, shareholders, members) still want to see loan growth, efficiency and stronger margins. Sinking money and talent into technology that doesn’t achieve these endpoints in the near term can be disastrous.Most institutions are not ready. It may be a money thing, but there is also a talent gap. Rare is the institution that has strong tech-savvy executives who can discern the importance of why and which and how to monetize new technologies, or not. Every institution will need smart people to help them understand, assess and execute strategies and tactics that take advantage of these FinTech changes.In my opinion, two tech areas are essential today.Strategically you cannot live without 1) leveraging client data analytics for use in strategy, sales, marketing, cross-selling, retention and 2) integrating the most friction-free ways for your clients to transact business with and through your institution. Each of these technology efforts can and will add value to your traditional “banking” metrics. They must help you make money. And these two areas uniquely enable any financial institution to efficiently capture and nurture the client and allow them to “bank” digitally.Some institutions have already embraced FinTech in even more significant ways. Bank of America just announced card-less ATMs are coming, while at the same time filing over 12 more patents on block chain technology (they have already filed 20 patents). Are they a bank or FinTech? Now Neo-banks are beginning to partner with marketplace lenders and credit card consolidators to offer a bundle of services to customers, emulating what traditional banks do. This can and should be viewed as a direct threat to financial institutions.Success requires leadership. Yet many executives are standing by, watching the game change before their very eyes. And why? Because they don’t understand any of it. It’s technology; it’s not banking. Yet it is this very technology that is informing the very transactions that every successful Financial Institution must embrace and deploy down the line to stay in business. And the rewards of unleashing the power of data analytics is undeniable.Yet no future exists in banking without being able to monetize these game changing technologies. How will technology move the needle on the loan growth, efficiency and/or profit margins? You must embrace those things that can improve your institution’s overall performance. Consider the need you may have for technology folks who understand the context of marrying these new/valuable technology pieces, while keeping the bottom-line in mind. This is essential, right? After all, this is the future of banking… No freakin’ out is needed. 21SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jay Kassing Jay Kassing is President of MARQUIS, a Texas based provider of marketing analytics solutions including MCIF/CRM software, MCIF services, profitability, compliance, consulting and direct mail creative/fulfillment. Jay has … Web: www.gomarquis.com Detailslast_img read more

Unai Emery urges Arsenal board to sign Celtic left-back Kieran Tierney

first_img Comment Metro Sport ReporterWednesday 19 Jun 2019 8:27 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link20Shares Unai Emery urges Arsenal board to sign Celtic left-back Kieran Tierney Arsenal are ready to step up their interest in Celtic left-back Kieran Tierney (Getty Images)Unai Emery is urging Arsenal to complete a deal for Celtic left-back Kieran Tierney, according to reports.The Gunners have a budget of around £40 million for the summer transfer window following their failure to secure a place in next season’s Champions League.Emery is looking to strengthen several areas of his squad, while Arsenal are open to offloading Mesut Ozil and Henrikh Mkhitaryan, two of their top earners, in order to boost their transfer funds.According to the Daily Mail, Emery has made Tierney one of his priority signings for the summer and has told Arsenal’s hierarchy that the Celtic defender would make a significant improvement to his team.ADVERTISEMENT Advertisement Advertisement Tierney has been targeted by Arsenal boss Unai Emery (Getty Images)The report claims that Emery is ‘convinced’ that the 22-year-old can make the transition from the Scottish top flight to the the Premier League and views the player as a ‘shrewd investment’.AdvertisementAdvertisementCeltic, however, are in a strong negotiating position as Tierney has a contract which runs until 2023.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityAnd it’s believed that the Gunners would need to submit a bid of around £20m in order to sign the left-back.Meanwhile, Arsenal have been frustrated in their search for a new winger as Bournemouth are standing firm over Ryan Fraser’s £30m valuation, while a deal for Yannick Carrasco is off the table as Chinese Super League side Dalian Yifang are also demanding £30m.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenallast_img read more

Total hits pay in UK North Sea well

first_imgFrench oil major Total has discovered hydrocarbons in the Upper Jurassic and Triassic sandstone reservoirs of its Isabella exploration well in Block 30/12d in the UK Central North Sea.The well is located in Licence P.1820, about 40 kilometers south of the Elgin-Franklin Field and 170 kilometers east of Aberdeen.Total is the operator of the license with a 30% interest and its partners are Neptune Energy with a 50% interest and Edison’s Euroil Exploration Limited and Ithaca Energy with a 10% interest each.Ithaca also has a cost carried interest in the well as a result of prior farm-out agreements with Total and Euroil. Neptune Energy entered the license in August 2018 after acquiring Apache’s interest.In an update on Tuesday, Ithaca said that this is an encouraging high-pressure high-temperature discovery in a location close to existing infrastructure.Further analysis of the well results will now be performed by the license operator, Total E&P North Sea UK Limited, to determine future appraisal activity and recoverable resource estimates.The well is in the process of being plugged and abandoned.In a separate statement on Tuesday, Neptune said that the well encountered 64 metres net pay, consisting of lean gas and condensate and high-quality light oil.Neptune  also said that the well was drilled by the Noble Sam Hartley jack-up rig to a total depth of 5,557 meters in water depths of 80 meters.Jim House, CEO of Neptune Energy, said: “While analysis of the results is ongoing, the initial findings show significant promise.“Having acquired our interest in the exciting HPHT Isabella prospect in 2018, the result further strengthens our growing UK portfolio and demonstrates the significant remaining hydrocarbon potential in the region.”Kevin McLachlan, Senior Vice President Exploration at Total, said: “The initial results at Isabella are encouraging. This demonstrates that our exploration strategy in the North Sea to explore for value adding prospects nearby to our infrastructure is working.”last_img read more

The abortion lobbyists, and the Facebook scrap

first_imgACT’s David Seymour, the abortion lobbyists, and the Facebook scrapStuff co.nz 14 March 2020Family First Comment: Finally the media picks up that we’re sidestepping the bias mainstream media, and speaking to (and influencing) the masses via social media!The abortion debate has always created a lot of noise, and the introduction of the bill last year turned up the volume.The conservative Christian lobby group Family First paid for 20 ads that rolled out on Facebook between August 12 and March 12.Five of them are the personal stories of women or families, and another is an interview with a former abortion provider, all filmed by an in-house team.Others, featuring videos of a pink-haired woman giving what the group says is a “humorous” take on the issue, have been imported from Canada and adapted for New Zealand.Family First leader Bob McCoskrie said paying for campaigns was “not cheap” – “more in the hundreds of thousands than the tens of thousands”.It was funded “purely by donations from families in New Zealand”.“There have been allegations that we’ve had donations from the United States – I keep standing out at the letterbox waiting for the cheque, but nothing has arrived,” McCoskrie said.Like Cormack, he felt the media didn’t tell his group’s story, and so social media provided a platform to go straight to the public.“Hopefully then they’ll communicate to politicians.”With the abortion bill still going through its committee stages in the House, and the third reading not far away, this was a critical time, and they wouldn’t be backing away from the pressure, said McCoskrie.A lobby group in support of change, the Abortion Law Reform Association of New Zealand (ALRANZ), has not paid for any Facebook ads, but is posting regularly on social media.Its financial accounts show revenue in 2018 was less than a quarter of Voice for Life, at just $5400.President Terry Bellamak said ALRANZ’s policy was to “play it straight” and to use social media to reach supporters, posting articles and research-backed facts about abortion.“We don’t pay for Facebook ads because we don’t have that kind of money. And honestly we’re not really needing to right now.”Justice Minister Andrew Little, in charge of the bill, told Stuff he wasn’t aware of any increase in ads from Voice for Life.“Personally, I ignore communications from extremist groups.”READ MORE: https://www.stuff.co.nz/national/politics/120251127/acts-david-seymour-the-abortion-lobbyists-and-the-facebook-scrap?cid=app-iPhoneNZ Abortion Debate #1 – Human Rights Explained….Human Rights. You may think you’ve always had yours, but you would be wrong!This video explains exactly when your human rights begin – and why.last_img read more

PCG-Aklan braces for influx of passengers this holiday

first_imgThis world-famous island is alsobracing for the arrivals of travelers from South Korea, China and Taiwan. Ithas posted around 1,882,215 tourist arrivals as of November this year with964,250 foreigners staying in the island.    BORACAY – The Philippine Coast Guard(PCG) in Aklan said its forces are now on heightened alert as it beefs upsafety measures for the holiday season.    As of Dec. 18, the PCG-Aklan has registeredaround 3,709 outbound passengers from various ports in the province.   “Normal itong security preparations natinsa holiday season. May mga CoastGuard K9 units tayo to inspect ang mga baggage sa mga port terminals at‘Malasakit desks’ para sa mga pasahero,”he added. Second Class Frank Valle ofPCG-Caticlan on Dec. 18 said the random checking of passengers and theirluggage was necessary to ensure safety in the ports. The passengers were also told not tobring prohibited items to avoid delays and to comply with the safetyregulations of the ports and sea vessels.  The Cagban and Caticlan ports in Aklan prepare for the influx of passengers as the Philippine Coast Guard in the province declared a heightened alert status for the security of the passengers in the area. AKEAN FORUM It also conducted coastal securitypatrols and established assistance desks in the Cagban and Caticlan ports toassist passengers during the holiday season while monitoring the maritimeactivities in the area.   The tighter security protocols of thePCG were in coordination with the Philippine National Police, Maritime IndustryAuthority and the Department of Transportation.(With a report from Akean Forum/PN)last_img read more

BARGE OWNER FACES FINE FOR OIL SPILL: Third-party experts tapped to probe barge blast

first_imgIt will begin with the inlet areas, followed by the coast, and then any offshore areas to recover and safely disperse any remaining oil residue. Cleanup is estimated to last up to 15 days.   “No right person in his right mind will want this to happen but I guess we’re beyond that already, so what we’re going to do is get complete the facts,” Mejia said. “We will do our best. We are committed 101 percent to clean up everything,” said Mejia.   The DENR official also said the company has tapped Harbor Star Shipping Services for the cleanup of affected areas. A technical conference would also be called to discuss the cleanup. An explosion in one of the four tanks of AC Energy’s Power Barge No. 102 triggered the oil spill. But initial findings revealed that the discharge is attributable to ignition of fuel oil in storage which ruptured the barge’s fuel tank, he added. To hasten the cleanup of remaining residues of oil sheen from the spill, Mejia said AC Energy will partner with residents of barangays Loboc, Bo. Obrero and Mansaya in Iloilo City, adjacent Leganes town in Iloilo province and other barangays in Guimaras. “It is the responsibility of AC Energy to conduct the cleanup operation,” Antiporda said. “When the incident happened last Friday, the power barge was not operating. As a matter of fact, people were doing maintenance work. What maintenance work? We will know as soon as possible,” said Mejia, adding the power barge was last activated on June 23 or June 24. THOROUGH PROBE The Regional Incident Management Team was created to monitor all aspects of the cleanup – affected communities, health and environmental impacts and waste management. Sorbents and manual cleanup are also recommended but under strict monitoring to ensure that mangroves in the area will not be disturbed. “We are engaging the community to do the cleanup. We are actually providing them PPEs (personal protective equipment) and compensating them for that,” Mejia added. In a press conference on Monday, AC Energy – the power arm of Ayala Corp. – said it was tapping third-party experts to assist in its investigation into the oil spill. The Environment department will fine the owner of a barge that spilled oil in Iloilo City on Friday, says Undersecretary Benny Antiporda. HENZBERG AUSTRIA/SENATE PUBLIC INFORMATION AND RELATIONS BUREAU Antiporda also said his office is recommending the cleanup of heavy bunker fuel in mangrove areas to allow wave action and disperse the oil and collect them from the sea. Five marine biologists and experts from the University of the Philippines Visayas will also help detect the oil spill trajectory to speed up the containment stage, he added. As of 5 p.m. on Saturday, at least 105 families or 378 persons displaced by the oil spill in Barangay Bo. Obrero were forced to leave their houses, according to the City Disaster Risk Reduction and Management Office. Mejia said the company will issue an official report once the third party experts – two marine engineers from Metro Manila – submit their assessments. Environment undersecretary Benny Antiporda said the department will issue a notice to the company for violation of Republic Act 9275, the Clean Water Act. Mejia said the investigation would take about three to four days to determine the root cause of the explosion that ignited the fuel gases inside a sealed tank. “The cleanup must follow the National Oil Spill Contingency Plan and supervised by the Philippine Coast Guard,” Antiporda said. MANILA – The Department of Environment and Natural Resources (DENR) will fine AC Energy Corp. for the July 3 oil spill in the waters off Barangay Bo. Obrero in Iloilo City’s Lapuz district. BY ADRIAN STEWART CO AND IME SORNITO “This third party consultant is independent and not our employees. They were with me in the flight to Iloilo to do the investigation,” said Ramon Gabino Mejia, head of operations at AC Energy. These families were evacuated to Bo. Obrero Elementary School.  COMMUNITY BAYANIHAN CLEANUP According to AC Energy, it formed a team to closely coordinate with the barangay for the needs assessment of the affected people./PNlast_img read more

Arlene M. Flodder

first_imgArlene M. Flodder, age 72 of Batesville, died Thursday, January 12, 2017 at St. Andrew’s Health Campus. Born January 11, 1945 in Batesville, she is the daughter of Rose (Nee: Moeller) and Art Flodder. She was a member of St. Louis Church and was a welder at Batesville Tool & Die for 20 years.Arlene was a natural care giver. She took care of both parents until their deaths and for many years had a day care where she enjoyed looking after the little ones. It was just her nature to do what she could for others. Some of her interests included flower gardening, working crossword puzzles, golfing and reading romance novels. According to her family, she had a weakness for chocolate, candy and root beer.  They also said she liked dreaming up remodeling ideas for the house and apparently had a cleaning addiction.She is survived by daughters Cynthia Woods of Minden, Louisiana, Lisa Benjamin of Alexandria, Louisiana, Wenda Woolf of Minden, Louisiana, Jerri Ann Hixson of Batesville; sisters Judy Tonges and Jackie Fledderman, both of Batesville; brother Dan Flodder of La Porte, Indiana; eleven grandchildren and four great grandchildren. In addition to her parents, she is also preceded in death by her brother Jim Flodder.Visitation is Tuesday, January 17th, from 4 – 7 p.m. at the Weigel Funeral Home. Funeral services are 10 a.m. Wednesday, January 18th at St. Louis Church with Rev. Stan Pondo officiating. Burial will be in the church cemetery. The family requests memorials to the Ripley County Humane Society of Phi Beta Psi Sorority Cancer Research.last_img read more

West Ham ask Arsenal, Crystal Palace for friendlies ahead of Premier League restart

first_imgWest Ham are planning a London derby double-header in their build-up to the restart of the Premier League. Friendly matches can be played at either the clubs’ stadiums or training grounds. Premier League teams are now firmly into full contact training as the build-up begins under Project Restart. Liverpool staged an 11-a-side match at Anfield this week and West Ham also put on a practice game at their vast 60,000-seater London Stadium last weekend. This was to get the players used to play in an empty stadium as all remaining games this season will be played behind closed doors due to the coronavirus. Moyes believes daily work life is finally starting to feel a little like it did pre-pandemic. The Hammers boss said: “I think that now because on the pitch we’re back in contact it is very similar. Off the pitch, it is completely different. “We’re not using the facilities, we’re outdoors we’re keeping social distances. We’re making it work. Most of us are finding it OK. read also:Leicester City place Iheanacho on special drill ahead of Premier League restart “The hardest part was right at the start when we were training in ones or twos or fours. Now iti is starting to feel a bit more normal. “Everybody is beginning to fit back into it and it’s going well.” FacebookTwitterWhatsAppEmail分享 Loading…center_img They have contacted Arsenal and Crystal Palace in the hope of setting up friendly matches to put their players through their paces. The Premier League has given clubs permission to arrange warm-up games now that training is stepping up ahead of the June 17 restart. But there are strict rules which include teams not travelling further than 90 minutes and players must get there alone without the normal team bus. West Ham also want to play teams they have already met twice in the Premier League so will not face in competitive action once the campaign gets underway again. Boss David Moyes said: “If you consider this a preseason, then a few clubs would have had a few friendlies under their belts. “If It is one thing the clubs are not going to get it’s game practice. So getting the opportunity to do that gives us the chance to do that. “All these things are subject to the protocols. We have to have everything right. We can’t ask teams to travel, we are not intending to travel. “We will abide by the guidelines. We don’t want anything to go wrong in the build-up to the start of the Premier League.” The Irons have nine games to go and still have to play London rivals, Chelsea, at home and Tottenham away as part of the fixture list.last_img read more

Ighalo: I want to stay at Man U

first_imgRelatedPosts Ighalo: My best moment as ‘Red Devil’ EPL: Crystal Palace stun sloppy Man U EPL: Red Devils attack Palace Odion Ighalo has confirmed that he wants to stay at Manchester United beyond the expiry of his loan deal. The Nigeria international joined the Red Devils from Shanghai Shenhua in January and has contributed four goals in eight appearances for Ole Gunnar Solskjaer’s side this term. As it stands, the 30-year-old will return to Shanghai at the end of May but his loan deal could be extended with the 2019-20 campaign, if it resumes, not expected to end until July or August. When asked on Twitter whether he wanted to remain with the Red Devils beyond the end of the season, the experienced striker replied: “Of course.” There is no purchase option in the current loan agreement, but the 20-time English champions are allegedly considering a permanent move for the striker due to his form since arriving at the start of 2020. Meanwhile, Manchester United manager Ole Gunnar Solskjaer has reportedly been impressed by the impact Ighalo’s attitude has had on the rest of his squad. Ighalo’s loan deal at Old Trafford expires at the end of next month, meaning that United will need to agree an extension or make the move permanent if they are to keep him until the end of the coronavirus-affected season.Tags: EPLloanManchester UnitedOdion IghaloShangai Shenhualast_img read more

Mar-A-Lago Chase Suspect Requests Transfer to State Mental Hospital

first_imgThe attorney for Hannah Roemhild, the Connecticut woman who was arrested after leading Palm Beach Sheriff’s deputies on a high-speed chase and crashing through security barriers at President Trump’s Mar-a-Lago estate on January 31, says his client is not mentally competent and needs further evaluation.Roemhild appeared in court on Friday in a continuation of her original first appearance.David Roth, her attorney, is requesting that she be transferred to mental health court, in order to be evaluated by a psychologist and eventually be transferred to a state mental facility.Roth explains that Roemhild is improving with medication for her long-standing mental illness but adds that two experts say she is not competent.To that end, he asked Judge Laura Johnson to appoint Dr. Stephen Alexander to conduct a full competency exam.After the exam, if the state agrees, Roth will request that his client be transferred to either a Treasure Coast mental facility or a state mental hospital in Connecticut.“It would need to be a secured, lock-down facility based on her mental state and condition,” said Roth.Roth says the woman’s father and mother, who is a nurse, have retained a private psychologist.Secret Service agents and sheriff’s deputies shot on Roemhild’s SUV as she drove into a security checkpoint in front of Mar-a-Lago before the President arrived.She got away, picked up her mother at Palm Beach International Airport, and checked into a West Palm Beach motel, where an FHP trooper arrested her.Roemhild came to the attention of an off-duty FHP trooper who was doing security detail at the Breakers hotel when guests reported that she was dancing on the roof of her car by the main fountain.last_img read more