An interpretive model of safety performance - Myassignmenthelp.Com

Segmentation Analysis

Question: Talk about the Segmentation Analysis. Answer: Presentation: PMD individual Microderm items are at home microdermabrasion items for more advantageous skin. Microdermabrasion is a non-substance strategy which expels the furthest layer of the skin which establishes dead cells and uncovers a more beneficial layer of skin with more elevated levels of collagen. This strategy is utilized to expel scars, flaws, sun harm and wrinkles. This method is over the top expensive and being performed by dermatologists. A gathering of specialists, architects and specialists at PMD worked at home microdermabrasion handheld gadget in mid 2004 ( Get PMD, 2016). The item gives moderate microdermabrasion involvement with home, which is at standard with the expert microdermabrasion offered by dermatologists. This item utilizes plates which peel skin which prompts expulsion of dead skin and it uncovers a superior and more advantageous layer of skin. The organization didnt have enough assets for tremendous advertising spending plan and worked from a cellar office. At first, in 2004, PMD individual microdermabrasion gadgets were disseminated liberated from expenses to mummy bloggers in order to get the online networking consideration and positive audits ( Get PMD, 2016). The item is a tremendous accomplishment as it offers various skin benefits and gives restored skin. At present, the PMD is a head brand selling Microderm gadgets and skincare items. The organization has the tremendous business scope as the dermatology gadgets showcase is relied upon to reach $11,337 million by 2019 (Markets, 2015). There is expanded interest for dermatology gadgets because of rising rate of skin issues and because of expanding mindfulness about dermatology techniques. Situating and Market Segmentation of PMD Personal Microderm Item situating is a most significant piece of a showcasing plan as it helps in conveying the item credits to the clients. A viable item situating helps in arriving at the diverse objective crowd. So as to position adequately, the association should initially fragment the market with the goal that the message can be planned by target advertise (Ries Trout, 2001). The situating message is intended to address the issues of the objective client. Situating includes inspiring the forthcoming purchasers to purchase the item by featuring the item properties. Situating message is a printed sales rep itself as it targets giving most extreme advantages to target client (Ries Trout, 2001). The client ought to have the option to comprehend the advantages being offered by the item in order to decide the apparent worth (Haines, 2012).. This apparent worth aides in deciding the cost of the item. PMD individual Microderm is situated as a home use DIY device for microdermabrasion medications. The PMD position itself as a device utilizing protected turning plate innovation which evacuates the dead cell and the vacuum attractions apparatus helps in restoring the skin. Through this situating, PMD focuses on those people who need to go for microdermabrasion for their skin issues yet discover the microdermabrasion medicines very costly. The moderateness factor of PMD individual Microderm has extended the market for microdermabrasion to incorporate the individuals who need better skin. Their situating message unmistakably imparts it a home use microdermabrasion apparatus. The highlights which PMD situating conveys are:- It diminishes wrinkles, pigmentation, and scars. It improves the skin quality. It very well may be done at home. It is in the same class as expert microdermabrasion treatment done by dermatologists. While purchasing the PMD individual microderm, the client will feel that this item advantages, for example, more youthful looking immaculate skin, it is increasingly reasonable, it is anything but difficult to utilize, and it conveys no dangers. Henceforth it very well may be said that situating message is a salesman itself which convey the item includes. This situating of the item is predominantly accomplished through web journals of the clients. They apply application based division wherein the market is being sectioned based on benefits being looked for. The objective client is one who needs microdermabrasion for pigmentation, scars, wrinkles or for better skin. Before propelling the item PMD directed a clinical report on 54 patients where it was being seen that the item offered a decrease in wrinkles, sun harm, skin harshness and generally speaking skin improvement. Hence it fragmented its market based on advantage being looked for by the client. The objective clients are isolate d into following classifications:- Clients looking for the decrease in wrinkles. Clients looking for the answer for pigmentation. Clients looking for the decrease in scars. Client looking for generally improvement in skin. Based on this division the association should devise its promoting systems. Connection Between Marketing Mix and Target Customer of PMD Personal Microderm The advertiser can sell an item successfully just when he have applicable data about its objective client. The association ought to have the segment, geographic and way of life related data about its objective market in order to structure appropriate showcasing blend (Oslen, 2008). By having the client information set up the association can devise viable advertising blend methodologies. The 4 Ps of showcasing blend comprises Product, Price, Promotion and Place. The job of the advertiser is to comprehend the necessities of target clients and afterward structure an item which addresses the issues. This item ought to be sold at a reasonable cost through different conveyance channels and compelling advancements ought to be intended to expand client mindfulness about the item (Oslen, 2008). The 4 Ps for PMD individual microderm are being examined as underneath:- Item: - The PMD individual Microderm is a home utilized microdermabrasion device. The item is intended to meet the skin improvement needs of its objective market. In this manner the item accompanies numerous shedding circles to address the various issues of the clients. The item offers like spa treatment as it utilizes a similar aluminum oxide precious stones. The item has protected turning circles which give exceptionally viable microdermabrasion experience. The item accompanies a year guarantee in order to pick up the trust of its clients. In this manner so as to address the issues of its objective market, the item is structured successfully. Cost: - The expense of PMD individual microderm is very moderate when contrasted with the expense of microdermabrasion treatment expertly. The cost of the item is an onetime expense and offers long lasting advantages. Moreover, it offers different advantages, for example, accommodation of treatment at home and high item quality. In this manner the advantages being offered by PMD individual Microderm exceeds its expenses. The cost is shown up by remembering the objective market for a large portion of the individuals who wish to go for microdermabrasion medications discover it very costly. In this way cost is very alluring for those individuals who need the treatment yet cant manage the cost of it. Advancement: The PMD didnt have assets to manage the cost of immense promoting financial plan at the dispatch of the item. The organization structured creative limited time procedure by concentrating on its objective clients. The organization delivered 1800 gadgets in 2004 out of which, 500 were being disseminated to mummy bloggers. This limited time system helped PMD in arriving at its objective client through the online journals and item audits of its underlying clients. In this way this technique promoted the item because of its profoundly powerful obvious outcomes. Spot: The spot alludes to the dispersion channel being trailed by the organization (Mannings, 2008). The PMD microdermabrasion items are being sold on the web and through nearby retailers. Be that as it may, they are progressively well known online as the neighborhood retailers sell at a more significant expense. Serious system utilized by PMD individual Microderm Michael Porter structured Generic techniques system which plots the three significant key choices accessible to an association. These three key alternatives are as underneath:- The association can accomplish feasible upper hand by accomplishing lower costs when contrasted with its rivals (Porter, 1985). Accordingly the association accomplishes cost administration as an upper hand. The association can accomplish practical upper hand by separating its items from its rivals (Steinhardt, 2010). The association can likewise create manageable upper hand by centering o specialty markets and obliging their needs (Porter, 1985). The wellsprings of upper hand of PMD individual Microderm is item separation and core interest. The PMD individual microderm has separated its items through its licensed turning plate innovation and adjusted vacuum attractions. Due this separation the organization can give great microdermabrasion treatment to its clients at the solace of home. The PMD centers around skin improvement market and continues improving its items to address the issues of its objective clients. The organization utilizes web based life vigorously to interface and comprehend its objective clients. These upper hands have made PMD an industry chief in the home microdermabrasion item classification. In spite of the fact that the results of the organization are very reasonable yet less expensive substitutes do exist in the market. End The PMD Personal Microderm is an item which has extended the specialty market of microdermabrasion by presenting the item at moderate cost and by delivering incredible outcomes. Prior Microdermabrasion was a specialty advertise yet PMD has extended this market by selling it as an item for general skin improvement. The organization has distinguished the objective market and conceived appropriate showcasing blend in order to make this item a triumph. The organization has executed imaginative advertising methodologies by examining concentrating on its objective clients. Through its licensed turning plates it has had the option to situate itself as a market chief in locally established microdermabrasion devices. References

IELTS Writing Essay Samples - Format Your Essay Like You Would a Lecture

IELTS Writing Essay Samples - Format Your Essay Like You Would a LectureIELTS writing essay samples are those written by students who have passed the examination and are aiming for the assessment in order to be able to sit for the IELTS. Students who have got their test results will be able to take the paper they have written on, and will be given the opportunity to improve on their essay. If you are one of those students that have been able to pass your IELTS test papers, then you can start with improving on the paper you have written. It would be a great idea to write the IELTS writing samples as if you were taking it very seriously.There are different types of tests that are known as band. They are different from each other in terms of their structure and format. Some are based on basic information, while others have more complicated explanations for certain aspects of the test.For those who have just written their IELTS writing essay samples, the first thing you need to do is to make sure that you have used the correct form and order for your essay. Make sure that the topic of your essay is relevant to the question that you have been asked to answer.Students who have just started to write IELTS writing essay samples will find it a little difficult because they will not know how to structure the essay properly. One thing that you can do is to take the help of a teacher who will be able to show you the right way to organize your essays. After having your essay analyzed, the writer will be given a test, which is an opportunity for him or her to work on his or her essay.There are many different band structures available, some of which include the paragraph form. A student can choose the number of paragraphs that he or she wants to use for his or her essay.This is the second type of format that you can choose from when you want to organize your essay. If the essay is complex, you can always choose to use the essay unit form because it will not only help you orga nize your essay, but it will also help you make sure that all of your topics are covered in your essay.The next format that you can choose is the Band 9 format. The Band 9 format is often used by medical students because it has the structure of a lecture.Students who have just written their IELTS writing essay samples should make sure that they have taken the time to think about how their essay will be evaluated. The type of format that you should use will depend on the number of your students who are going to sit for the IELTS. You should make sure that you put in enough consideration into the format of your essay.

Parkinson’s Disease and Medical Treatment Options Essay

Parkinson’s Disease and Medical Treatment Options For many 50 year olds, tasks such as writing or walking can be easily preformed without much attention. In fact, the term â€Å"task† seems to stress that there is a greater level of effort than is truly exerted in order for the average person to perform these actions. However, for a patient of Parkinson’s Disease who is diagnosed on average at the age of 50, these every day activities take a great deal of time, attention, and effort to be preformed (Huston). With the growth of research about this disease, a variety of treatment options ranging from medication to surgery are currently available to patients who suffer from the debilitating effects of Parkinson’s Disease. Parkinson’s†¦show more content†¦Parkinson’s patients also suffer from difficulties associated with speech, spontaneous movements, gait, and cognitive processing. Johnson et. al (2004) studied these cognitive processing deficits to determine whether they were a result of motor impairment or a cognitive processing impairment within itself. Through two trials of testing, once with patients who were medicated for motor impairment and a second time with unmedicated patients, both compared to non-Parkinson participants of similar age groups, Johnson et. al found that both medicated and unmedicated Parkinson’s patients scored lower in the testing than the non-Parkinson’s patients. Therefore, it was determined that the cognitive processing impairment is separate from the typical motor impairment associated with the disease. Diagnosis of Parkinson’s is based solely on clinical evaluation and observation rather than blood and laboratory testing. If a patient displays two of the three primary symptoms, he may be diagnosed with and placed on medication for Parkinson’s Disease. If the medication improves these symptoms, the diagnosis of Parkinson’s is then confirmed (American Parkinson Disease Association, 2004; National Parkinson Foundation, 1999). The cause of the degeneration of cells within the substantia nigra is unknown and therefore no cure exists for the disease. Extensive research is being conducted in an attempt to determine the cause and find a cure for Parkinson’s. AShow MoreRelatedParkinson s Disease As A Medical Condition1437 Words   |  6 PagesParkinson’s disease has been known about since ancient times. In AD 175, the physician Galen described it as â€Å"shaking palsy† in Western medical literature. It wasn’t until 1817 that a London doctor, named James Parkinson, wrote a detailed medical essay on this disease. This essay established Parkinson’s disease as a recognized medical condition. He based the essay off of six cases he had observed previously and hoped that it would encourage others to study the disease. 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Through medical breakthroughs discovered in recent years, my grandpa and many others suffering from Parkinson’s disease have a chance at a better life. History of Parkinson’s Disease Signs or symptoms of Parkinson’s disease have been recordedRead MoreParkinsons Disease Essay1031 Words   |  5 PagesParkinsons disease Just imagine: your muscles going stiff, tremors running through your limbs constantly and the inability to smile and laugh with your grandchildren. This torment is the everyday experiences of a Parkinsons disease sufferer. Parkinsons disease is a growing concern in our nation, and though we know what the symptoms are, we do not know for sure what causes it, or even how to cure it. Throughout this paper, the definition will be described as well as the symptoms and treatment

Childrens Outdoor Play - 1925 Words

en Introduction Every child is unique in their own way and I strongly believe that the environment plays a big role in raising the child. Studies show that PLAY plays the important role in children’s learning and development. Friedrich Froebel (1782-1852) believed that play was a highly significant activity and initiated an approach to learning in early childhood that offers children a wide range of experiences so that they could develop an understanding of their world and themselves. He also mentioned that will encourage children to discover things through the interaction with their environment. A good physical and social skill is important to become a successful person in life. A child with good cognitive and social skills will†¦show more content†¦.About the activity My activity was colour mixing activity which was follow up activity. My reason to choose to do follow up activity is to reinforce and refresh children’s learning. Previous activity was done by the class teacher in indoor setting which children have requested to do outdoor. The colours that I have used are:- 1. Purple (Red + Blue) 2. Green (Yellow + Blue) 3. Brown (Red + Green) 4. Orange (Yellow + Red) I am taking this opportunity to thanks the Principal and the class teacher who help me in this activity of preschool that I did the activity Tadika Bestari which located in Bandar Country Homes, Rawang. There were eleven of six years old children which consist of nine boys and two girls. PEDAGOGICAL APPROACHES In this opportunity, I would like to thank University of Hertfordshire for providing poster of pedagogical approaches which was very helpful in developing my activity it was a great guidance for me to plan and conduct the activity. Step 1: Observing learning Observing learning is an example of child’s learning. It helped me to identify children’s interest and strengths. As what Margaret Donaldson said seek out what children are able to do rather than emphasizing what they cannot do and sheShow MoreRelatedPlay At The Center Of The Curriculum Essay1651 Words   |  7 Pagesbook, Play at the Center of the Curriculum (5th Edition) written by Judith Van Hoorn, Patricia Monighan Nourot, Barbara Scales, Keith Rodriguez Alward, I have learned play can foster children to develop many skills such as physical, cognitive concepts language, social and emotional. In this chapter, these authors discussed the importance of different types of outdoor play such as physically active outdoor play, outdoor nature play, and child-initiated outdoor play. 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It particularly focuses on young children’s physical activity, which few studies have focused on, and addresses two questions: (1) Are children’s activity patterns (outdoor play and television watching) associated with their weig ht status (BMI)? / What is the expectedRead MoreOutdoor Environments And Risks Of Children s Outdoor Play1137 Words   |  5 Pages Outdoor environments and risks In this techno-world, technology has taken over all the aspects of children’s outdoor play. Some of the constraints that affect outdoor play are risks, parents concerns about outdoor play and not enough play space available for children. Risk is equal to a combination of events/consequences and associated uncertainties (Aven, 2007). Risk in play refers to any possibility of physical injury during play. Early childhood settings usually use the term â€Å"risky play† whichRead MorePre-Schoolers And Outdoor Play. . Play Is The Way Children1628 Words   |  7 PagesPre-schoolers and outdoor play Play is the way children learn and is a word that is used to describe the different activities behaviours that children participate in, this would concur with â€Å"Vygotsky’s (1978) social constructivist theory that suggests that play promotes both mental and social development for children† (cited in Goulding, 2016, p16). Early childhood educators such as Froebel and Vygotsky have always promoted the importance of the outdoor learning environment. According to VygotskyRead MoreThe Effects Of Indoor Play On Children s Outdoor Play1150 Words   |  5 Pagestaken over all the aspects of children’s outdoor play [reference? This is a blanket statement that needs to changed or referenced. You need evidence]. Some [factors] that affect outdoor play include risks [such as?], parental concerns about outdoor play and not having adequate play space available for children. Risk is equal to a combination of events/consequences and associated uncertainties (Aven, 2007). Ris k in play refers to any possibility of physical injury during play. Early childhood settingsRead MoreThe Hobbits Curriculum698 Words   |  3 PagesIntroduction Playing outdoors and the experiences children encounter are often remembered for a lifetime and through incorporating an outdoor environment with learning goals provides depth in a curriculum which could be difficult to implement with an indoor environment (The Scottish Government, 2010). The Little Hobbits curriculum is as an outdoor curriculum catering for Kindergarten age group of 4-5. Rationale The Little Hobbits Curriculum is an outdoor curriculum that allows childrenRead MoreForest School/Reggio Emilia1006 Words   |  5 PagesForests School The forest school approach embraces the outdoors as a learning environment for children to explore. It first originated in Denmark and was introduced to the UK in the 1950’s. This approach is important as it helps to raise a child’s self-esteem, confidence and also enable problem solving. Forest school provides a challenging environment for children as it allows children to take risks and accomplish various tasks using their own inactive and problem solving skills. Whereas the naturalRead MoreGardening: Planting SunFlowers in a School Environment Essay1436 Words   |  6 Pageswhich is planting sunflower. I chose this project because my kindergarten’s outdoor environment space is limited. This project involved 5 years old children. The process of growing this sunflower plant took about two months. The project has met the objective well. The main objective of this project was experiencing the outdoor environment by the children. Children gain vast benefits from learning outdoors. Being outdoors allows them to move around without many of the restrictions of being insideRead MoreThe Key Messages Of The Foundation Phase1057 Words   |  5 PagesIntroduction This assignment will be exploring how the key messages of the Foundation Phase are applied throughout all aspects of the curriculum. It will analyse childhood theorists’ sentiments about the Foundation Phase, the notion of play in learning, both indoor and outdoor, and Personal Social Development, Well-Being and Cultural Diversity. The Foundation Phase is constructed to provide consistency to each child’s education during a crucial stage of their development. However, the consistency does

The Kingdom of Matthias by Paul Johnson Sean Wilentz free essay sample

Critical review of biography of 19th Cent. Amer. religious cult leader Robert Matthews. Paul E. Johnson and Sean Wilentz in their book The Kingdom of Matthias write about a historical event that may not be well-known to most Americans. They tell the story of the self-proclaimed prophet Matthias and the kingdom he created based on his religious beliefs, related to the Second Great Awakening of religious fervor in American history. This nineteenth-century movement had numerous effects, including the creation of a variety of new cults and movements, such as that of them Mormons. Matthias lived in the first half of the nineteenth century as the United States was beginning to move away culturally from European roots and to build a uniquely American society. The book by Johnson and Wilentz details the nature of the man who led the movement, the nature of his followers, and the reaction of American society to his attempts to create a kingdom of his own

Sales, banking, people and motivation Essay Example

Sales, banking, people and motivation Essay Allied Banking Corporation has been operating as a commercial bank for over thirty years increasing its number of branches in the Philippines to over 283 sites and a lot of other international representative units strategically place globally. (Alliedbank 2005). The following areas of concern were noted during the study and research of the organization: a.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Technology and globalization. The website of the bank http://www.alliedbank.com.ph lacks online chat mode for online inquiries that needs immediate attention. Foreign rates are not updated early first thing in the morning. I used their emailing system for a simple ABA number inquiry of their correspondent bank in U.S.A. and I was not given the correct answer, instead I was asked to make a search in their correspondent bank’s website. It was a simple inquiry and yet their customer service representative cannot supply a handy answer. Basic things they should know when they are out there in the field. Online banking is powered by Bancnet online with a fund transfer mode facility that does not function even for same bank local transactions. There is no president’s message in their president’s message page. I used the email provided for the president’s message and I was wondering if it has a link since it does not have a pop up window . Anyway I sent an email to the email address that was given and until now there was no reply received from the president nor did I receive any auto email responder. The online banking page does not have an online application form for opening of new accounts where clients can manage filling up the new accounts form first then go to their desired branches for the presentation of needed requirements and signature. Compared with HSBC website, page for forms and documents can be downloaded at http://www.hsbc.com.ph/ph/forms/forms.htm, HSBC I think has more of an edge to customer service and global banking. There is no toll free phone service number provided for phone call queries. An organization as global as Allied Bank managing without the recent technology to enhance full-bloom customer service relationship management system. I wonder if one loses his AT card in the middle of the night can sue the bank for failure to provide the facilities to call without paying in case of loses if a t that time he does not have any funds to make a paid call to the Head Office regular hotline number and nobody in the nearby branches is awake to make the hold out card transaction. We will write a custom essay sample on Sales, banking, people and motivation specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Sales, banking, people and motivation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Sales, banking, people and motivation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer b.  Ã‚  Ã‚  Ã‚  Ã‚   Customer service experience and motivation. There is an apparent lack of call center service representation and the technology to support and sustain bank activities. Bank employee’s motivation via technology utilization and improvement may be provided by an online banking tool which may grab and hold onto customers for life which is supposedly shall be the heart of any bank’s long term strategy. The heart is missing now, there are only people moving but with total lack of motivation and enthusiasm, adept knowledge of bank products and power leadership drives to destination unknown for a decentralize area of authority. c.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Cross selling and motivation. Cross selling bank’s affiliate companies products is a good form of interchanging efforts to enhance incorporator’s investments. If we take a look to the way it was implemented, we can see that a good part of the look out and selling process of the New York Life (NYL) insurance products has been placed on the shoulders of the bank’s Branch Heads (BH) and down to the shoulders of the staff. In my research there is only the presence of push and figures for sales quota. There was an absence of monitoring and analysis to effective sales communication process between bankers and customers in terms of planning and follow up system. The NYL organization absolutely runs from the structure of the bank which may be the initial plan but failed to distinguish corporate mission statement and goals of the bank which are selling their basic products. NYL people were only there to present and close sale but follow ups and look out for prospective market were the burden of the BHs. Mabuhay Miles could be a free promo product from Philippines Airlines which is also their sister company, but their coordinator and software failed to give specific reports of a list of those who were enrolled at their depository branch alphabetically. So the new accounts representative has to make a search for the number or name of the depositor first before enrolling. Management has given strict policy of recruiting to accounts that were two years old and over but there was no provision in the software of Allied Bank to easily access deposit accounts with their corresponding ages. How do you think employees who were given the quota will manage to enlist depositors and feel about how things work and run in the organization? d.  Ã‚  Ã‚  Ã‚  Ã‚   Work conditions and overtime payments. Cost cutting and soliciting bank employees motivation is not well compensated when air conditioning were being replaced by electric fans to save on electricity. Imagine the smell and the heat of a work environment as such as an airtight closed room to elaborate without proper ventilation and air conditioning. There is a predetermined air conditioning operating hours. Even if we allow one unit to run it still cannot accommodate to cool the entire branch where people are still working. The worst that is happening is the slashing of the number of hours worked beyond regular hours, overtime by the employee. Remember being away from your family for so long a time even extending to late evenings and getting paid for only a percentage of the work done. A very good motivation and behavior reinforcers scheme to develop a rebelling stubborn employee. e.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Product knowledge and training. Most of the time the bank offers products and services with no training and orientation made on product knowledge. Only memos were given. And if they hold trainings, employees are not being paid for the attendance. It is already a fact with the organization that if they hold half day seminars in Cebu province in particular, it usually ends at about 2-3pm with no provisions for lunches or meals. Only light snacks were given. Employees do not want to attend seminars anymore because of the effects on their health. Imagine listening to your upper level management speeches in pangs of hunger if it won’t drive you to the doors of the doctors for illnesses of hyperacidity and ulcers. f.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Duties and responsibilities vs. delegation of functions. Tellers and new accounts were given a lot of delegated responsibilities by supervisors and officers. They cannot do anything about it because of the provision of HRD in their list of duties and responsibilities captioned as â€Å"and all other duties and responsibilities assigned by the branch†. The context of their functions is not really performing their relative functions but extended to the functions of the officers as well. This gives an idea of opportunity to enjoy for some Branch Operation Officers the task of reading newspapers almost the entire day, making telephone conversations, signing documents and making follow ups on delegated functions. Nice pay good work! This in fact curtails the voice of the employee to cite abuse. g.  Ã‚  Ã‚  Ã‚  Ã‚   Branch assignments and job rotations and motivations. The present transfers of branch assignments and job rotations without the agreement of the employee concern. 2005 memorandum states that the maximum number of years they are allowed to stay in a branch is five years only. Everything is based on instructions and management prerogative to transfer employees, nothing on how employee feels on the new workload and how they react on the proximity of their new branch assignments from home. Travel and stress make the most part of their time going to work from north to south. How about the consideration of skills and building up of rapport with customer service? How can HRD disregard familiarization and period of adjustments, qualification, satisfaction, and employee morale? Organization change analysis and proposal Consultative banking described the roles of bankers as consultant to their customers maximizing recognized opportunities by discussing alternatives and assisting them in their decision making phase with utmost confidence. This kind of approach to sales requires bankers to look at their products and services from their customer’s point of view making it as relevant as an increase in market share profitability and development of long term relationship in a highly competitive industry. The focal point of selling then is to understand the needs of the customers with total annihilation of the concept of door to door selling. The link therefore is increasing the employee’s ability to uncover needs, solve problems and improve situations of the customers to a mutually beneficial relationship. (Richardson 1984). The approach therefore is building relationships which are a great contrast to the issues I have cited in branch transfers and job rotations. Building relationship requi res time and it won’t benefit the bank if in the time that you almost get to know the customer you will be transferred to another branch. In their drive for a Know Your Client (KYC) directive, they forgot that time encompasses such development. Employees also experience low morale and great stress in accepting responsibilities against their will. Real motivation stems from good leadership and follows the guidelines set by nature. Motivations as emotions have unconsciously set its place in the day-to-day operations of the bank. (Maddock Fulton 1998). The prevalence and expression of emotions at work were certainly overlooked by management. Where emotions and rationality complement each other, it shall be used in a constructive manner to energize people by getting them cognitively and affectively engaged in their individual work. Efforts and expectations do not address the heart of an individual. It only deals with his hand and of his head. â€Å"Leaders may persuade with log ic, but they motivate through emotion. Leaders must come to grips with the challenges of emotion, a key driver of productivity, quality and other factors that lead to business success. When you want to motivate people to take action, engage their emotions.† (Ashforth 1995). This explains well how the idea of branch assignments and transfers may be detrimental to the health of the organization. It leaves customers and does not make it possible for the bank to strengthen the portfolio of banking products as part of their core banking solution to establish global customer base. It is a simple hello and goodbye interface making it more visible for the customers to opt whether to increase or decrease their business with the bank. Moreover the continuing dissatisfaction of the employees of having to invest additional time and effort in going to work were exhibited by getting up earlier than usual in the morning to make allowances for travel time and coming in late at home as late as 8-9pm because of travel time and annoying traffic congestion. They don’t even have the appropriate quality time spent to take care of their family and kids because of the very early and very late schedule to get out and come back to home base. Proximity from home to work sh all be a major consideration by HRD when they plan to release schedules for transfers and branch assignments. They should hear the dilemma of stress and anxiety brought by too long travel time and getting to develop a stranger relationship with one’s immediate family. This is surmounted by the deal of adjustments an employee has to undertake on different work stations. Authority could be a well demeaning word when it comes to violations of the rights of the employees to express their sentiments about the present trend of movements. HRD shall get the confirmation of the employee first to know if they are happy in following instructions without their consensus. Emotions play a good deal with employee’s motivations and dissatisfaction that may lead to rebellion and absenteeism due to decline and lack of dedication and enthusiasm to perform work. Order must be made with regards to the order in branch assignments and order with regards to personal family lives of the concer ned employees. Cost cutting of air conditioning electricity and slashing of number of hours rendered for overtime are unjust and humiliating. For all the income the bank has generated, the bank wants to give its employees fair pay to fair labor. Management must implement change of behavior on themselves for these so called unjust practices. This is not a Christian way of treating one’s workforce. Instead management shall look into giving meal allowances for employees who stayed to work until or past dinner time be it 6:30pm or 7pm. Control factors for anticipated excessive overtime shall be made upon submission of application by simply saying yes or no after evaluation of the work that needs to be done. Work is facilitated and employee is more motivated if work conditions are satisfactory. Management shall in no condition limit air space circulation and cooling when somebody is still at work. Management shall create a group to determine and identify loopholes in operations and leadership. It shall serve to identify changes in behaviors of employees and the motivation factors that needs to encourage work and build a strong workforce to gain a competitive edge over other banks. Surveys shall be made and distributed to all employees. Performance appraisals must not be limited to and subjected to appraise staff alone. Another form of appraisal shall be created to gauge performance of officers also. Praise and working conditions are two motivating factors that will decide employee’s enthusiasm to excel work performance. The bank may infuse on their management intervention the use of motivating language to impart effective communication on employee performance and enhance critical employee attitude. (Mayfield Mayfield 2006). In order to stimulate employee motivation, BH shall clarify goals for subordinates to eradicate uncertainties in the process. He must be able to give everyone his role in making sales. Like if a new accounts clerk has to open a minimum of two accounts per day, then he must understand to figure out to make one more sale the day after tomorrow if he only opened one account the next day. Empathy is very important when speaking to subordinates with emotional understanding. This is critical when it comes to issues of cross selling products. BH shall understand that it is not banking anymore but pure cross selling by which the selling process shall be done only upon completion of basic banking duties and responsibilities. A matter of factual disorientation will occur as to which one t o prioritize between the employer’s products or the affiliate companies products. Pressure shall not be downloaded to the wrong workforce. Cross selling shall be done only as an extension of the bank’s sales and services. There is a big difference on the two and very big impact on employee’s attitude towards work. It may be apparent that employees do not value working on extended services when their own duties and responsibilities with additional delegated tasks are already covering their work hours. The bank shall have a look with their reengineering, workload, and cross selling features that has been pressuring officers and staff to achieve branch quota. Technology is vital to global connectivity to sustain operations and create an edge to customer satisfaction and experience. The toll free number, call center aspect, and the website are extensions of the branch operating hours. In the issues of technology and globalization, the website will serve to generate its own advantages. Some channels like ATM machines have greatly helped to free-up-front bank sales staff from transactional activities but banks needed to trust new capabilities in order to increase their share of the customer wallet. It is finding the right product and the right relationship with the perfect technology. Employees must be given the proper training and of course the proper incentives to attend seminars and training in the issues of product knowledge and training. It will be their only mode of distinguishing leads to prioritize, creating sales scripts, and fulfilling sales. Although a lot depends on the execution, getting the human sales force to full advantage r emains to be a challenge for the bank that have been placing budget constraints in all the wrong places. Managers must learn to acknowledge worker’s performance and take feedbacks. A straight forward in depth communication could be the cure to lift their morale. Employees shall be informed of whatever is happening in the bank and not being discriminated for any regular news item other than for memos and instructions. Managers shall take the initiative to make them feel at home with the bank and not alienated to enhance team’s capability to perform effectively in the future. Group performance relates to group composition taking into account the nature and attributes of each member. It deals with heterogeneity and creativity as it considers familiarity and performance of team building. (Dickinson Guzzo 1996). To provide the right customer experience, the bank has to provide the right employee experience. It is a chain. It will spread once it gets motivated. Motivation i s not always in the form of reward systems although it can affect desires but it has more to do with emotions, relationships, and leadership. The bank has already reached its peak of performance, if it won’t seek to change its present situation, it will likely slide down. Sales, banking, people and motivation Essay Example Sales, banking, people and motivation Essay Allied Banking Corporation has been operating as a commercial bank for over thirty years increasing its number of branches in the Philippines to over 283 sites and a lot of other international representative units strategically place globally. (Alliedbank 2005). The following areas of concern were noted during the study and research of the organization: a.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Technology and globalization. The website of the bank http://www.alliedbank.com.ph lacks online chat mode for online inquiries that needs immediate attention. Foreign rates are not updated early first thing in the morning. I used their emailing system for a simple ABA number inquiry of their correspondent bank in U.S.A. and I was not given the correct answer, instead I was asked to make a search in their correspondent bank’s website. It was a simple inquiry and yet their customer service representative cannot supply a handy answer. Basic things they should know when they are out there in the field. Online banking is powered by Bancnet online with a fund transfer mode facility that does not function even for same bank local transactions. There is no president’s message in their president’s message page. I used the email provided for the president’s message and I was wondering if it has a link since it does not have a pop up window . Anyway I sent an email to the email address that was given and until now there was no reply received from the president nor did I receive any auto email responder. The online banking page does not have an online application form for opening of new accounts where clients can manage filling up the new accounts form first then go to their desired branches for the presentation of needed requirements and signature. Compared with HSBC website, page for forms and documents can be downloaded at http://www.hsbc.com.ph/ph/forms/forms.htm, HSBC I think has more of an edge to customer service and global banking. There is no toll free phone service number provided for phone call queries. An organization as global as Allied Bank managing without the recent technology to enhance full-bloom customer service relationship management system. I wonder if one loses his AT card in the middle of the night can sue the bank for failure to provide the facilities to call without paying in case of loses if a t that time he does not have any funds to make a paid call to the Head Office regular hotline number and nobody in the nearby branches is awake to make the hold out card transaction. We will write a custom essay sample on Sales, banking, people and motivation specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Sales, banking, people and motivation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Sales, banking, people and motivation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer b.  Ã‚  Ã‚  Ã‚  Ã‚   Customer service experience and motivation. There is an apparent lack of call center service representation and the technology to support and sustain bank activities. Bank employee’s motivation via technology utilization and improvement may be provided by an online banking tool which may grab and hold onto customers for life which is supposedly shall be the heart of any bank’s long term strategy. The heart is missing now, there are only people moving but with total lack of motivation and enthusiasm, adept knowledge of bank products and power leadership drives to destination unknown for a decentralize area of authority. c.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Cross selling and motivation. Cross selling bank’s affiliate companies products is a good form of interchanging efforts to enhance incorporator’s investments. If we take a look to the way it was implemented, we can see that a good part of the look out and selling process of the New York Life (NYL) insurance products has been placed on the shoulders of the bank’s Branch Heads (BH) and down to the shoulders of the staff. In my research there is only the presence of push and figures for sales quota. There was an absence of monitoring and analysis to effective sales communication process between bankers and customers in terms of planning and follow up system. The NYL organization absolutely runs from the structure of the bank which may be the initial plan but failed to distinguish corporate mission statement and goals of the bank which are selling their basic products. NYL people were only there to present and close sale but follow ups and look out for prospective market were the burden of the BHs. Mabuhay Miles could be a free promo product from Philippines Airlines which is also their sister company, but their coordinator and software failed to give specific reports of a list of those who were enrolled at their depository branch alphabetically. So the new accounts representative has to make a search for the number or name of the depositor first before enrolling. Management has given strict policy of recruiting to accounts that were two years old and over but there was no provision in the software of Allied Bank to easily access deposit accounts with their corresponding ages. How do you think employees who were given the quota will manage to enlist depositors and feel about how things work and run in the organization? d.  Ã‚  Ã‚  Ã‚  Ã‚   Work conditions and overtime payments. Cost cutting and soliciting bank employees motivation is not well compensated when air conditioning were being replaced by electric fans to save on electricity. Imagine the smell and the heat of a work environment as such as an airtight closed room to elaborate without proper ventilation and air conditioning. There is a predetermined air conditioning operating hours. Even if we allow one unit to run it still cannot accommodate to cool the entire branch where people are still working. The worst that is happening is the slashing of the number of hours worked beyond regular hours, overtime by the employee. Remember being away from your family for so long a time even extending to late evenings and getting paid for only a percentage of the work done. A very good motivation and behavior reinforcers scheme to develop a rebelling stubborn employee. e.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Product knowledge and training. Most of the time the bank offers products and services with no training and orientation made on product knowledge. Only memos were given. And if they hold trainings, employees are not being paid for the attendance. It is already a fact with the organization that if they hold half day seminars in Cebu province in particular, it usually ends at about 2-3pm with no provisions for lunches or meals. Only light snacks were given. Employees do not want to attend seminars anymore because of the effects on their health. Imagine listening to your upper level management speeches in pangs of hunger if it won’t drive you to the doors of the doctors for illnesses of hyperacidity and ulcers. f.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Duties and responsibilities vs. delegation of functions. Tellers and new accounts were given a lot of delegated responsibilities by supervisors and officers. They cannot do anything about it because of the provision of HRD in their list of duties and responsibilities captioned as â€Å"and all other duties and responsibilities assigned by the branch†. The context of their functions is not really performing their relative functions but extended to the functions of the officers as well. This gives an idea of opportunity to enjoy for some Branch Operation Officers the task of reading newspapers almost the entire day, making telephone conversations, signing documents and making follow ups on delegated functions. Nice pay good work! This in fact curtails the voice of the employee to cite abuse. g.  Ã‚  Ã‚  Ã‚  Ã‚   Branch assignments and job rotations and motivations. The present transfers of branch assignments and job rotations without the agreement of the employee concern. 2005 memorandum states that the maximum number of years they are allowed to stay in a branch is five years only. Everything is based on instructions and management prerogative to transfer employees, nothing on how employee feels on the new workload and how they react on the proximity of their new branch assignments from home. Travel and stress make the most part of their time going to work from north to south. How about the consideration of skills and building up of rapport with customer service? How can HRD disregard familiarization and period of adjustments, qualification, satisfaction, and employee morale? Organization change analysis and proposal Consultative banking described the roles of bankers as consultant to their customers maximizing recognized opportunities by discussing alternatives and assisting them in their decision making phase with utmost confidence. This kind of approach to sales requires bankers to look at their products and services from their customer’s point of view making it as relevant as an increase in market share profitability and development of long term relationship in a highly competitive industry. The focal point of selling then is to understand the needs of the customers with total annihilation of the concept of door to door selling. The link therefore is increasing the employee’s ability to uncover needs, solve problems and improve situations of the customers to a mutually beneficial relationship. (Richardson 1984). The approach therefore is building relationships which are a great contrast to the issues I have cited in branch transfers and job rotations. Building relationship requi res time and it won’t benefit the bank if in the time that you almost get to know the customer you will be transferred to another branch. In their drive for a Know Your Client (KYC) directive, they forgot that time encompasses such development. Employees also experience low morale and great stress in accepting responsibilities against their will. Real motivation stems from good leadership and follows the guidelines set by nature. Motivations as emotions have unconsciously set its place in the day-to-day operations of the bank. (Maddock Fulton 1998). The prevalence and expression of emotions at work were certainly overlooked by management. Where emotions and rationality complement each other, it shall be used in a constructive manner to energize people by getting them cognitively and affectively engaged in their individual work. Efforts and expectations do not address the heart of an individual. It only deals with his hand and of his head. â€Å"Leaders may persuade with log ic, but they motivate through emotion. Leaders must come to grips with the challenges of emotion, a key driver of productivity, quality and other factors that lead to business success. When you want to motivate people to take action, engage their emotions.† (Ashforth 1995). This explains well how the idea of branch assignments and transfers may be detrimental to the health of the organization. It leaves customers and does not make it possible for the bank to strengthen the portfolio of banking products as part of their core banking solution to establish global customer base. It is a simple hello and goodbye interface making it more visible for the customers to opt whether to increase or decrease their business with the bank. Moreover the continuing dissatisfaction of the employees of having to invest additional time and effort in going to work were exhibited by getting up earlier than usual in the morning to make allowances for travel time and coming in late at home as late as 8-9pm because of travel time and annoying traffic congestion. They don’t even have the appropriate quality time spent to take care of their family and kids because of the very early and very late schedule to get out and come back to home base. Proximity from home to work sh all be a major consideration by HRD when they plan to release schedules for transfers and branch assignments. They should hear the dilemma of stress and anxiety brought by too long travel time and getting to develop a stranger relationship with one’s immediate family. This is surmounted by the deal of adjustments an employee has to undertake on different work stations. Authority could be a well demeaning word when it comes to violations of the rights of the employees to express their sentiments about the present trend of movements. HRD shall get the confirmation of the employee first to know if they are happy in following instructions without their consensus. Emotions play a good deal with employee’s motivations and dissatisfaction that may lead to rebellion and absenteeism due to decline and lack of dedication and enthusiasm to perform work. Order must be made with regards to the order in branch assignments and order with regards to personal family lives of the concer ned employees. Cost cutting of air conditioning electricity and slashing of number of hours rendered for overtime are unjust and humiliating. For all the income the bank has generated, the bank wants to give its employees fair pay to fair labor. Management must implement change of behavior on themselves for these so called unjust practices. This is not a Christian way of treating one’s workforce. Instead management shall look into giving meal allowances for employees who stayed to work until or past dinner time be it 6:30pm or 7pm. Control factors for anticipated excessive overtime shall be made upon submission of application by simply saying yes or no after evaluation of the work that needs to be done. Work is facilitated and employee is more motivated if work conditions are satisfactory. Management shall in no condition limit air space circulation and cooling when somebody is still at work. Management shall create a group to determine and identify loopholes in operations and leadership. It shall serve to identify changes in behaviors of employees and the motivation factors that needs to encourage work and build a strong workforce to gain a competitive edge over other banks. Surveys shall be made and distributed to all employees. Performance appraisals must not be limited to and subjected to appraise staff alone. Another form of appraisal shall be created to gauge performance of officers also. Praise and working conditions are two motivating factors that will decide employee’s enthusiasm to excel work performance. The bank may infuse on their management intervention the use of motivating language to impart effective communication on employee performance and enhance critical employee attitude. (Mayfield Mayfield 2006). In order to stimulate employee motivation, BH shall clarify goals for subordinates to eradicate uncertainties in the process. He must be able to give everyone his role in making sales. Like if a new accounts clerk has to open a minimum of two accounts per day, then he must understand to figure out to make one more sale the day after tomorrow if he only opened one account the next day. Empathy is very important when speaking to subordinates with emotional understanding. This is critical when it comes to issues of cross selling products. BH shall understand that it is not banking anymore but pure cross selling by which the selling process shall be done only upon completion of basic banking duties and responsibilities. A matter of factual disorientation will occur as to which one t o prioritize between the employer’s products or the affiliate companies products. Pressure shall not be downloaded to the wrong workforce. Cross selling shall be done only as an extension of the bank’s sales and services. There is a big difference on the two and very big impact on employee’s attitude towards work. It may be apparent that employees do not value working on extended services when their own duties and responsibilities with additional delegated tasks are already covering their work hours. The bank shall have a look with their reengineering, workload, and cross selling features that has been pressuring officers and staff to achieve branch quota. Technology is vital to global connectivity to sustain operations and create an edge to customer satisfaction and experience. The toll free number, call center aspect, and the website are extensions of the branch operating hours. In the issues of technology and globalization, the website will serve to generate its own advantages. Some channels like ATM machines have greatly helped to free-up-front bank sales staff from transactional activities but banks needed to trust new capabilities in order to increase their share of the customer wallet. It is finding the right product and the right relationship with the perfect technology. Employees must be given the proper training and of course the proper incentives to attend seminars and training in the issues of product knowledge and training. It will be their only mode of distinguishing leads to prioritize, creating sales scripts, and fulfilling sales. Although a lot depends on the execution, getting the human sales force to full advantage r emains to be a challenge for the bank that have been placing budget constraints in all the wrong places. Managers must learn to acknowledge worker’s performance and take feedbacks. A straight forward in depth communication could be the cure to lift their morale. Employees shall be informed of whatever is happening in the bank and not being discriminated for any regular news item other than for memos and instructions. Managers shall take the initiative to make them feel at home with the bank and not alienated to enhance team’s capability to perform effectively in the future. Group performance relates to group composition taking into account the nature and attributes of each member. It deals with heterogeneity and creativity as it considers familiarity and performance of team building. (Dickinson Guzzo 1996). To provide the right customer experience, the bank has to provide the right employee experience. It is a chain. It will spread once it gets motivated. Motivation i s not always in the form of reward systems although it can affect desires but it has more to do with emotions, relationships, and leadership. The bank has already reached its peak of performance, if it won’t seek to change its present situation, it will likely slide down.