The Competitive Landscape In The Banking Industry Marketing Essay

The Competitive Landscape In The Banking Industry Marketing Essay We are living in the 21st century, everything is revolving around the internet and technology, and its all about embracing the convergence. This explosion of the internet and technology has impacted on everything, and its altering the banking industry as well, from branch banks and papers to networked and digitized banking services, it has already made its way in, but over all, the banking industry is still struggling to find a solution for the rapidly changing environment. The root of this problem is that most banking executives are still not ready to see the real impact of the Internet age and act accordingly, few impacts of the internet and technology are discussed below, Altering the Rules of Competition Today, because of the internet dissolving the difference of the size of the businesses, thus letting small business get to set the competitive agenda and get the advantage. Physical processes are being replaced by virtual, and virtual environments are being created, sooner or later one has to enter this market, in order to keep up with the market trend. The only difference is whether youll go by your own rules or follow the ones created by others. Internet representation, and web based outlets, if executed correctly, can give the power to one, to set its own rules for the competition. From Capital Requirements to Knowledge Requirements Traditionally, absence of funds, has served as a hurdle to access into any particular industry. This has been especially true in the banking sector. Today, improving financings of the company is perhaps the one of the least problems, a company struggles with. Investors know that economical techniques of variation are no longer an organizations key asset, its past track record, its brand or anything. Investors today anticipate and are interested in companys knowledge. A large network system, financial muscle and a huge work power may not seem to have as much importance, as before. Brand Building The last two decades, saw a large focus on the growth of manufacturers, and brand building as a differentiation means, thus allowing service providers, banks for instance, to create brand awareness among the customers for their loyalty towards the brand (Czerniawska Potter, 1998). Consequently, multi-million dollars of investment were solely done on the development of the image of the brand. Already on the Internet, there are organizations performing as informers or experts, who help prospective buyers go for the best option, thus making the customers independent, and not be misled by the image created by the brand, and make more conscious decisions when going for a purchase. Customer Segmentation and Relationship With the help of the Internet a bank is able to target specific market online and provide them product information, personalized web pages and services, and other data for any client, when they access the companys web page. In short, the battlefield has changed, today it is brand or product variation, and focus on the most profitable clients, and to keep the customer relations and support the best, for the long term profitability. From Access In Distribution Channels to Amiss to Customers In the 1980s and early 90s, one of the key areas of competition was to have the best distribution networks to make sure that products/services offered by the bank could be delivered to customers (Czerniawska Potter, 1998). Banks used to invest heavily and it was one of the main concerns too, to have the best location of the outlet, and build up their network. However, with the advent of the Internet such resources have become less relevant. Today the customer feels more easy going online and access the their bank account rather than to visit a physical branch. From Regulated Government Policy Its Unregulated Global Market It is believed that regulatory and legal restrictions, other types of hurdle to access determined by Portia, be decreased because of the Internet. For example, in the United States, new opportunities for the banks were created, when the act of branching efficiency or the Rigles Neal Act of 1994 was passed. This Bill allows banks, to become the full service financial institutions and providers (Kalakota Whinston, 1997). Clearly, this change is both a risk and a chance since the limitations that have ceased some from coming into an industry have also restricted the regional development of others. Global competition The erosion of boundaries due to the Internet has accelerated the trend towards global competition. Citibank has entered the Japanese market successfully with its web-based solution. Similarly, The Royal bank of Canada made its way into the US market with the help of the internet, by virtual banks. In summary, the internet is globalizing the banking industry, the battlefield is evolving around the internet, attracting new customers and coming up with unique services and products which werent possible before are needed of the time today. Question 2: Provide an analysis of the resources and capabilities a typical bank needs to have to be able to compete in this environment dominated by the internet and online banking. (500 words) Customer service is the key to survival of any bank. Customer loyalty and commitment is directly proportional to client convenience, personalized services and innovative offers and products. In the 1970s and 1980s, banks were marketing to a generation raised on an old style of banking: personal service at a bank. They were not comfortable with automated services, and were scared to use computers. So, to have a physical branch office nearby was convenience and relaxation. Today, in a banking relationship, individual assistance and convenience are still the crucial aspects, but they are described in a different way. Clients still want the bank to be a financial institution who knows them, and bank the one, they know, but they do not actually want to go to the bank. Today, customers are not afraid of computer techniques and technology; they accept them. Comfort is doing their banking whenever and wherever they want. They are now relaxed with computers and other gadgets. They anticipate quick, effective, and precise assistance. And the only way to be successful, is to provide the immediate, quality assistance that clients demand, and that the competitors provides, is through intensive use of the most innovative and advance technology and through good people qualified in the use of these technological innovations. For all these factors, the banks keep modifying its delivery systems. The New Delivery Systems The increasing price of building brick-and-mortar divisions, and decreasing price of personal computer systems, slow revenue growth and high delivery costs force a relook at the traditional delivery systems. Furthermore, growing comfort of technology usage by the client is quickly promoting use online banking for daily transactions. The new focus of the banks today is, that the branch be a place of a wide range of solutions like customer assistance kiosks, telebanking, remote electronic banking and ATMs, not just a high cost transaction hub. New Marketing Opportunities: The new technology and its products are expensive, therefore, banks need to utilize better and do more with the new technology than to just provide information and solutions. Banks have to also market and sell financial commitment products, insurance coverage to get a better come back on this investment. Telebanking can bring financial solutions to the home, especially if they are cost-effective screen mobile phones. By realizing how much interest the client conveys, the bank can market stock and insurance quotations. Interactive clips are a new technology innovation that banks can market their products with, and to maintain personal contact with the client while still decreasing the cost of services. An expert worker is not required in each branch with the interactive video, open brokerage accounts, complex life insurance products, personalized product cases can be accessible were required. The interactive video clips will be cost effective. For banks, the internet is an unique way to reach to customers outside the normal consumer base of a division. Banks need to stay conscious of the customers need for new solutions and strategies and make them available before others do. Question 3: The authors argue that certain theories and concepts used to key for competitive advantage in the traditional business environments are no longer important in this new era of internet dominant environment. Explain. (500 words). As a result of the advent of Internet technology, larger banks no longer gain an advantage based on the economics of scale that they were able to achieve in the past. Physical size and bureaucratic organizational structure can mean high operating costs. as well as inefficient and limited degrees of flexibility. Traditionally, lack of money has acted as a barrier to entry into any particular market (Porter, 1979). This has been especially true in the banking sector. Today, raising finance is perhaps the least difficult task facing an organization. Investors recognize that an organizations key asset is not its economies of scale, its past track record, its brand or any or the other trump cards. What investors are interested in and expect is the organizations knowledge. Financial muscle, a large labour force, and a large branch network may seem to have become less important. With the internet banking, bricks, mortar and physical networks are no longer required. Such a shift has substantially lowered the traditional barrier to entry. Internet banking shifts the competitive rules by levelling the playing field of large and small banks and reduces importance of issues such as physical distance and location. In todays banking environment, the processing of large physical branch network is perhaps no longer a serious competitive advantage or primary concern for customer selecting a bank. From gatekeeper to gateway. In the old gatekeeper model the bank functioned as an inhibiting supplier that restricted the customers product choices. Now in the new gateway model, the bank functions as a flexible intermediary that provides access to an entire spectrum of products and delivery channels. In other words, the bank acts as a gateway, and provides its customers with access to value added services with normal services anywhere in the world. Today, Internet increases the bargaining power of buyers. The more products that become standardized and undifferentiated, the lower the switching cost, and hence more power is yielded to buyers. As more new comers are entering the industry, banking customers are facing more alternatives that increases their bargaining power. Following this most of the internet banking services are now free of charge. Internet Banking enable the emergence of new rules of competition. Therefore, the traditional economics of scale benefits are no longer applicable. The internet is fundamentally changing the way banks conduct business. The processing of a large branch network is no longer a sustainable advantage. The banking market is likely to see the emergence of new small banks that use the internet to compete on equal grounds with the financial giants. Over the past several decades one of the most common tactics that organizations have adopted to sustain competitive advantage has been to establish a set of proprietary standards that keeps their customers from their suppliers and competition. Unfortunately, proprietary standards and the internets open -system architecture are contradictory in nature. The investment that banks have made in developing their own proprietary software to manage user interface is perhaps turning from an asset to a liability as the internet becomes a universal channel for information access. Question 4: Select a bank in your home country and answer the following: (800 words). Using Porters Five Forces model, discuss its competitive environment, Citibank is a U.S. based commercial bank, it was first incorporated in 1812 as the City Bank of New York. Citibank is headquartered in Las Vegas, Nevada, US. The bank offers mortgage lending, consumer finance, retail banking service and products, investment banking, trade finance, cash management, commercial banking and e-commerce services and products, and private financing services and products. Citigroup, Inc is the parent company of Citibank. It provides credit cards, deposit accounts and loans to consumers and small companies, and uses its parent companys depth of financial solutions by also offering investment and insurance products. The bank mainly operates in America, UK, Asia, Middle East, and Africa including the Japan, US, Hong Kong, China, India, Singapore and the Philippines Porters Five force Model: Availability of Substitutes Replacement of one product with another one increases the competition within an market. It is hard to find an ideal alternatives of banks, the most ideal substitute of banking services are not available but they have a choice to choose between making an investment and preserving their cash. The individual can save their cash at their home or in Nationwide saving centers. The individuals can also invest their cash in stock market. Rivalry among existing firms There are lots of opponents among various banks. There are a wide range of public and personal banks which are offering products and service on competitive prices. Rak bank was granted as the best bank for the year. There are several other IslÄ mic banks which are recommended by the people there. NBAD, HSBC, RAK Bank, Loyalds TSB bank, Dubai Bank, RBS etc are the few opponents of Citibank. The lots of opponents among these banks gives rise to the difficulties which the opponent bank have to face. The opponents among various banks improves the changing of the clients from one bankss product to the other. Threat of new entrants The banking industry of any nation has always possibilities of growth and competition, so many new banks get in and out of the market. Mostly banks step in the developing nations for growing their divisions. But as global economic recession recently, the risk of new newcomers is limited. Power of buyer Bargaining power of a client is low where the products alternatives are not available and clients are more in number. In case of banks there are lots of other banking intermediaries and banks, having wide assortment, so power of buyer in banking industry is high. The bank can not force any client to buy the preferred product because this directly impacts its reputation, but can persuade its clients by providing them special rewards or discounts. Bargaining power of suppliers Banks have previously acted as suppliers. However, in this new internet banking World, the business model has changed dramatically. Banks are no longer need suppliers, but are the suppliers to the financial products. So there is no bargaining power of the suppliers. There are no suppliers in the banking industry. How the internet impacts it competitive position and These are the effects of the internet: The tremendous challenge that all competitors are experiencing in the banking market. The different systems for the different customers such as International organizations, small-medium businesses and personal customers were challenging more innovative e-business alternatives according with the improving use of the internet. Different providers coming into with new alliances. The new marketplaces that are possibly Citibanks alliances. The alternative products such as local financial, heritage system and technology organizations. how it has continued to preserve its competitive position. Citibank highlight on client care instead of the price, client satisfaction was targeted on the support, technological innovation and reaction time providing assurance to the customers in the form the business was done. The good client support and goods and services are the reasons why Citibank is able to keep its identification and commitment throughout the world. Citibank used many technological innovation to get more customers pleased such as ATMs, phone collections, and the digital system of expenses which is a secure business transaction from the client. Another difference Citibank done was the affordable costs of its products or to match their competitors costs to give affordable costs for the different services and goods. Competitive advantages Lower costs for its solutions and products Multiple ways to access the account for the customers Secure transaction and operations over the internet

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Which of the following is NOT true of the success of interest groups? A. The more intense a group, the more successful it tends to be b. The more financial resources a group has, the more successful it tends to be c. The more potential members a group has, the more successful it tends to be d. The smaller a group is, the more successful it tends to be e. The larger a group is, the more successful it tends to be 4. Which of the following is an example off single Issue Interest group? A. NEAR b. NAACP c. FALL-CIO d. UCLA e. National Wildlife Federation 5. An interest group is most likely to have influence in Congress when the issue at take a. S narrow in scope and low in public visibility b. C. D. E. 6. Is part of the president's legislative package has been traumatized by the media engages legislators' deeply held convictions divides legislators along party lines Which of the following Is not a tactic that Interests groups use? A. Lobbying to Influence policy b. Forming Pace to influe nce elections 7. A. Litigating to influence policy through the courts appealing to the public to promote a positive group image Which of the following is true of mimics curiae briefs? They are used by interest groups to lobby courtsThey are used exclusively by liberal interest groups They are used exclusively by conservative interest groups d. They are now unconstitutional e. They are the means by which a litigant seeks Supreme Court review off lower court decision 8. Which of the following factors best accounts for the rise of interest groups and the decline of political parties in recent years? A. National parties have become too closely identified with controversial issues. B. Court decisions have restricted the political parties' abilities to recruit new members. C. It is less expensive to Join an interest group than to Join a political party. D.Interest groups have been more successful in avoiding negative press coverage than have political parties. E. Interest groups are bette r able to articulate specific policy positions than are political parties. 9. . Which type of interest group would the NAACP be? Economic civil rights . Single-issue governmental environmental 10. An interest group would likely have the greatest influence on policy matters involving a. Narrow issues, only a few interest groups, and technical information b. Broad, highly visible national issues c. Broad foreign policy issues d. Major constitutional questions about civil rights and liberties . Areas in which members of Congress have considerable expertise and commitment 1. Interest groups seek to influence political processes in ways that benefit their members. In doing so, however, they may not act in the overall public interest. (a) Describe two techniques interest groups use to influence elections. (b) Explain how interest groups use each of the following to influence government decision making. Mimics curiae briefs Issue networks (also known as iron triangles) (c) Explain how each of the following serves to limit interest group influence. The media Pluralism 2.Individuals often form groups in order to promote their interests. The Constitution contains several provisions that protect the rights of individuals who try to promote their interests in a representative democracy. (a) Explain two provisions in the Bill of Rights that protect individuals who try to influence politics. Interest groups engage in a variety of activities to affect public policy. Explain how each of the following is policy. Government institutions used by interest groups to exert influence over Grassroots manipulation Litigation Lobbying of (c) Describe one specific federal governmental regulation of interest groups.

A Father Son Alcohol Addiction

Speech to Explain Outline Topic: Attraction Specific Purpose: To explain to the class why we may become attracted to someone and what happens in our body when we are. Thesis: There are certain theories as to why we become attracted to someone. When we are attracted to someone, our brains release specific chemicals, and we subconsciously let the person know we are attracted through body language. Introduction: Your heart starts to race. You fix both your hair and your shirt. Your pupils dilate and your brain releases dopamine and adrenaline.What’s going on with you? You have a crush on someone and this is your body’s response to seeing and being around that person. I’m positive that we all know what this feels like. Since spring is upon us, leading to warmer weather and more exposed skin, I’m going to discuss a topic that we’re all familiar with around this time of the year: attraction. More specifically, I’m going to explain 1) theories as to why we become attracted to a certain person 2) what happens in our brains when we develop an attraction to someone, and 3) the physical signs of attraction.Trans: Let me start off by saying that attraction is defined as â€Å"the action or power of evoking interest, pleasure, or liking for someone or something†. That being said, let’s go over how it all starts: the reasons why we may become attracted to someone. * Most physical attraction starts with superficial qualities. * According to British scientist Charles Darwin’s Evolutionary Theory, men and women look for partners who exhibit fertility and health through their physical features so they can procreate. Men are more attracted to a woman with an hour glass figure * This is body type is a sign of sexual maturity because when girls go through puberty, they get fat deposits in their breasts, hips and butt. This creates a smaller looking waist, creating the hour glass figure. * Represents a high reproductive potential. * Women are more attracted to a man with broad shoulders and a narrow waist (â€Å"V† shaped body). * Men with this body type are seen as more dominant. * This body shape is also linked to greater levels of testosterone and good health. Women are also more attracted to older men, because with age comes more resources. * The evolutionary theory doesn’t take personality, facial features, and expressive style into account. * How a person identifies themselves can play a role in why they become attracted to someone. This is called the Matching Hypothesis. * Proposed by Elaine Hatfield, pioneer of the scientific study of romantic love and sexual desire, this theory is states that â€Å"people will choose someone of their own level of social desirability† when making dating and mating choices. If you think you’re a 10, you’re going to pursue 10’s. If you think you’re a 6, you’re going to pursue 6’s. * Fun fact: It o nly takes about a second to decide if you’re physically attracted to someone. (Too short, too tall, too skinny, etc. ) TRANS: The evolutionary theory and the matching hypothesis are just two possible explanations as to why we may develop a physical attraction to someone, both dealing with superficial qualities. Now let’s take a look at what’s going on in our brains when we become attracted to someone. The brain is responsible for being attracted to someone, not the heart. * The brain releases 3 chemicals called â€Å"monoamines† when attracted to someone. * Dopamine is a chemical that when released, gives you a feeling of pleasure and satisfaction. * When attracted to someone, it can be released when you see that person, when you talk to them, when they touch you, etc. * It is also released when eating chocolate and doing cocaine. * Helen Fisher, Rutgers University anthropologist & expert on romantic love, states that the brain processes attraction the sa me way it would an addiction. Norepinephrine is a hormone that, when released, increases our heart rates and makes us start to sweat. * It is related to adrenaline (â€Å"fight or flight† response) * Gives us those butterflies in our stomach, leaves us breathless. * Serotonin is a chemical that gives us a feeling of calmness and togetherness. * During the initial stages of attraction serotonin levels are low, which explains why we can’t eat or sleep or think about anything other than the person we’re attracted to. * Levels of serotonin rise when the attraction starts to progress into a relationship.The downside to this is that there is a lack of excitement in the relationship. TRANS: So, as the brain releases these chemicals, our bodies will show signs of these chemical and hormonal releases. Now I’m going to go over the physical signs that occur when you are attracted to someone. * An attraction to someone will manifest itself through body language * You r pupils will dilate * Dilation occurs because the release of dopamine when seeing an attractive person excites the nerve endings in your pupils, causing them to dilate. You start to mirror the other person’s actions * Body language mirroring happens subconsciously when you’re attracted to someone and things are going well. * If your crush leans in on the table, you will lean in on the table, if they cross their legs, you’ll cross your legs. * A 2009 study found that in a speed dating scenario, a woman who mimicked the actions of her date made the date a more positive and memorable experience in the man’s opinion. [Gugen] * You start to fix your appearance When you are or are expecting to be around your person of interest, you start to make yourself as visually appealing as possible. * For women, this could mean fixing your hair, adjusting your make up, showing off some skin. * For men, this could also mean fixing their hair, and adjusting their clothes. Trans: So, now that you know what some signs of a crush are, hopefully you can identify when someone’s attracted to you or not. Conclusion: To review, the evolutionary theory and the matching hypothesis are two possible explanations behind why we can become attracted to someone.Our brains release three chemicals when we are around the person we like, and our body language can give away if we are interested in a certain person. Now that you know a little bit about what goes on with our bodies, you can be better prepared the next time you develop an attraction to someone. Thank you. ‘Works Cited Dingfelder, Sadie. â€Å"More than a Feeling. †Ã‚  More Than A Feeling. N. p. , n. d. Web. 07 Apr. 2013. . Hatfield, Elaine. Matching Hypothesis. Http://www. elainehatfield. com/ch108. pdf. N. p. , n. d. Web. â€Å"The Look of Love: Top 5 Physical Signs of Attraction.   HowStuffWorks. N. p. , n. d. Web. 07 Apr. 2013. â€Å"Love Potion No. 9: Top 5 Love Chemicals in the Brain. †Ã‚  HowStuffWorks. N. p. , n. d. Web. 07 Apr. 2013. Nicolas, Guegen. â€Å"Mimicry and Seduction: An Evaluation in a Courtship Context. †Ã‚  Taylor and Francis. N. p. , n. d. Web. 07 Apr. 2013. . Riggio, Ronald. â€Å"Which Body Types Are Most Sexually Attractive. †Ã‚  PsychologyToday. com. N. p. , n. d. Web. . â€Å"The Science of Love. †Ã‚  BBC News. BBC, n. d. Web. 07 Apr. 2013. . â€Å"Social Psychology. †Ã‚  SparkNotes. SparkNotes, n. d. Web. 07 Apr. 2013.

The Reproductive Rights Of Women - 1940 Words

The reproductive rights of women have always been a hotly debated topic between those who support a women’s right to an abortion and those who vehemently oppose it. The United States Supreme Court ruled in the landmark case Roe vs. Wade that it was legally a woman’s right to have an abortion in 1973, and clearly outlines that states â€Å"cannot pass laws that create an undue burden† for women who choose to exercise their rights and terminate their pregnancy. Since then, there have been consistent challenges from many states along with pro-life organizations all over the country to find ways to limit and to control the reproductive rights of women. In 1992, even though the ruling of Roe vs. Wade was confirmed in the case of Planned Parenthood vs. Casey, the Supreme Court also ruled that states can create regulations to limit abortions in order to protect the safety and health of the mother and the life of the unborn fetus. 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