Key Ways Big Banks Can Accelerate Innovation - 1045 Words

3 Ways Big Banks Can Accelerate Innovation Banking is undergoing a revolution similar to the one seen on high street travel, betting and book-selling. Banks should be afraid, the disruption of financial services has only just begun. Do you know which bank is the winner of Disruptive Innovation in Banking award, this year? The winner is not among any of the big established banks, but it is the challenger bank from Germany, Fidor Bank. Most of the big banks have the realisation that they are under severe pressure from many of these innovative challenger banks. Atom Bank, a mobile-first challenger bank, recently won a banking licence to operate in the UK and plans to launch later this year. Unlike traditional banks — and even some†¦show more content†¦They include companies that offer credit/lending services (including peer to peer, crowd sourced and other varieties), payments services (and as a result small amount deposits for payments) and financial management services targeting retail and small business customers. Global investment in fintech has jumped by 46% a year since 2010, to $13.7 billion in 2014. More than 12,000 fintech startups have been founded worldwide, and accelerators for fintech entrepreneurs are established every day somewhere in the world. Traditional banks should realise that a bank-fintech startup connection has immense potential for creating value for both sides. Banks gain innovation and technological flexibility, and startups are given the chance of leveraging the banks’ knowhow and infrastructures to create suitable markets. Some of the big Banks have already realised the power of fintech connection. For example, Deutsche Bank is experimenting with new antifraud technology, Callsign that uses the way you handle and hold your phone to work out if you are really you. The bank hopes the system will free customers from passwords and allow it to lift limits on mobile transactions. Callsignis a startup that takes away the worry about failed or fraudulent login attempts, instead enables truly intelligent access control decisions by analyzing over 50 factors in real-time. Leveraging products like Callsign, banks can help implement a robust solution, take away the risk of

The Role Of Special Schools For Students With Children...

Inclusion in school is built upon removing barriers to participation access and achievement for all pupils (Grimes, 2009) it is only effective if it has been well-resourced and has targeted funding, early identification implemented covering the children’s needs and intervening as early as possible, the correct training for teachers and support staff needs to be implemented to improve awareness and understanding, it is also important to have adequate and appropriate support, whilst recognising the role of special schools and how they support inclusion and attaching expertise whilst working in partnership with parents and professionals. Some of the greatest barriers associated with inclusion in education are negative attitudes. As with†¦show more content†¦The Children’s Plan (2007) is another policy to have been put in place to ensure that the needs of all children are met whilst in education fairly. Strategies for special education inclusion should allow for special needs children to benefit from the learning environment. Children with or without special needs succeed in an environment that enables them to develop by being able to be to solve problems, as well as being able to express their feelings as well as being socially adjusted however children with special needs are often negotiating the most basic of these levels. They’re learning to engage with other people, to be persistent and are opening and closing many circles of communication with other children and adults. Children who have not got any special needs may still be developing their abilities to be imaginative and creative. Inclusion brings these groups together in beneficial ways. Children with autistic spectrum disorder will find it difficult to interact with others, but are able to communicate when they want something; they tend not to use any form of interaction to show people things or to be sociable. It is important to remember that communication and interaction do not have to involve the use of language and speech. Many children with an Autistic Spectrum Disorder are delayed in their use of language and tend to shy away from using any

Flannery O’Connor’s “A Good Man is Hard to Find” Free Essays

They say that God’s way are inscrutable, and this saying characterizes the concept of Flannery O’Connor’s story A Good Man is Hard to Find . The theme of living an empty life and the possibility of revelation for everybody is the main idea of the author. Through telling a simple, sometimes even comical story about common people, their stereotypes and narrow-mindedness she discloses the lack of spirituality in human life. We will write a custom essay sample on Flannery O’Connor’s â€Å"A Good Man is Hard to Find† or any similar topic only for you Order Now This makes up the theme, which the author intended to raise. Speaking about the setting, it is important to mention that it by genre it can be referred to the so-called road story, which presupposes travel from one place to another – on the special level. But there is always a hidden message behind, which constitutes the figurative level of the narration. We know perfectly that a road is a popular metaphor of life and naturally a person who is moving along this road undergoes a kind of mental and spiritual change. The same is true about Flannery O’Connor’s piece of writing. The journey is from Georgia to Florida with a background of beautiful scenery: â€Å"Stone Mountain; the blue granite that in some places came up to both sides of the highway; the brilliant red clay banks slightly streaked with purple; and the various crops that made rows of green lace-work on the ground. The trees were full of silver-white sunlight and the meanest of them sparkled†.   A family of the Grandmother, her son Bailey with his wife and children make a trip by car a picturesque nature, paying no attention at it at all. The only person who is interested is the elderly lady but for some specific reasons – nostalgia about â€Å"the things as they used to be† and because travel can be educational for kids. Is it the road to heaven or to hell? I will try to answer this question further on. The plot, which forms the external texture of the story seems to be a case of fatal misfortune. The family goes travelling, get into a road accident in a remote area and are caught by a band of serial killer the Misfit who kills the whole family. Therefore, the external movement is from life to death. Internally, however, the direction is the opposite one, from death to life. This implication is embodied first of all in the character of the Grandmother, who has no name in the story. This fact of namelessness proves her to be a typical product of the contemporary society, deprived of any significant individuality. She is selfish, manipulative and full of herself as we meet her first. She is devoted to the past believing that â€Å"People are certainly not nice like they used to be†, the phrase which is not only her life credo but also reflects her attitude to herself. She considers herself to be good and right and does not notice that her values are false. Meeting with the Misfit, feeling herself at the brink of death causes dramatic change within the old woman. There is an irony in the fat that revelation to her is brought in such an unconventional way – through a religious talk with serial killer. But at the same time this is done by the author deliberately to signify some higher wisdom. The Misfit is a peculiar character, his name symbolizing all people’s loneliness and loss and emptiness. They don’t belong to the world God created for them, they mis-fit. And the problem is not like the Grandmother considered that people are not as nice as they used to be. The world we live in is our own reflection. As a matter of fact, the killer and the decent elderly woman who dresses up neatly because she wants to look like a lady in case of being killed in an accident, are not so far away from each other as they might seem to be. They were both brought up in the atmosphere devoid of spirituality and both of them have no God in their soul. The difference is that the Misfit recognizes the fact but the Grandmother doesn’t. She hides herself behind the conventional stereotypes of religion, which lies in habitual going to the church, praying on a regular basis, stealing nothing from the respectable citizens and so on. In a tough situation she first tries to appeal to the religious feelings of the killer but she fails because she is herself being superficial in her faith. That’s why when she tries to pray to Jesus, asking for help, her words come out differently: â€Å"Finally she found herself saying, â€Å"Jesus. Jesus,† meaning, Jesus will help you, but the way she was saying it, it sounded as if she might be cursing†. At this point she realizes that her faith was fake and at this very moment a new opportunity is given to her. Surprisingly, it is the Misfit who opened her eyes and her soul. He himself recognizes he doesn’t believe in God, the only thing which is definite is death. That’s why he thinks that Jesus broke balance when he raised the death. There would have been nothing certain left in the world, even death, if it were true. The misfit expresses an idea, which is very important: without spirituality one might as well â€Å"enjoy the few minutes you got left the best way you can — by killing somebody or burning down his house or doing some other meanness to him.† He means that if you are not willing to accept God’s love, the sin remains the same whether you are doing it small crimes or in big ones. The lives of the Misfit and the Grandmother were equally empty because they rejected salvation, which is possible through love. These seconds are so vitally important and enlightening for the woman that her soul gets completely transformed. She is suddenly filled with that divine love. Looking at the criminal who has killed her family and is going to kill herself, she exclaims: â€Å"†Why, you’re one of my babies!† She realizes that her son and her grandchildren are so empty because she didn’t give them the love she had to, that’s why she realizes that the Misfit is her child in this sense. At the end, when the Misfit kills the old lady, he makes an interesting conclusion, which reveals the idea of the whole story: â€Å"She would of been a good woman,† The Misfit said, â€Å"if it had been somebody there to shoot her every minute of her life.† The sentence raises an important issue: is it necessary for a person to be on the brink of life and death to realize what was wrong in his or her life? Do the true values reveal themselves from delusions only when you are about to die? Aren’t we too much involved in day-by-day repetition of events to stop and see the truth? Probably we are just too afraid to be nobody, to feel the emptiness? These important questions arise after reading the story. So, is it the road to heaven or to hell? Who knows. Many people believe that a person who has no moral laws inside is free in what he does and feels no remorse about he deeds. At the example of the Misfit we see that the truth is more complex than that. Probably he doesn’t feel remorse, as he has no faith and no God to lean on but the problem is he feels nothing at all. His crimes were intended to be a kind of rebellion against God whom he never had in his life but it is a bitter rebellion. At the end of the story we find out that he feels no fun and no pride challenging God. â€Å"There is no real pleasure in life,† he says. How to cite Flannery O’Connor’s â€Å"A Good Man is Hard to Find†, Essay examples

Hospitality Management Arrangements and Preparation

Question: Describe about the Hospitality Management for Arrangements and Preparation. Answer: Assessment 1 Effective planning approach was required by the managers regarding the expansion of the seating arrangements and preparation of the stock of the food in the kitchen (Mok et al., 2013). These are the certain arrangements; those are required in order to manage the work processes effectively. Synchronizing of the activities at the workplace related to the delivering of the efficient customer service was required. The workload of each of the team members or the staff needs to be divided with more work and this would have helped in running the work processes smoothly. There were several problems in the workplace in the Boleros Restaurant. One of the issues was regarding the lack of effective planning related to the sitting arrangements and the extra stock of the food in case of more number of guests. Another issue was delaying in providing the food items to the customers and this could be improved with the extra stack of the food or by improving one or two more Chefs (Buhalis and Crotts, 2013). The children started disturbing other customers which could have been reduced by informing the customers to take care of their kids or by offering some sweet to them. This can be prevented from re-occurring by planning regarding the extra seating arrangements, delivering of extra food items within the time provided and by providing effective customer support to the clients. 2. One of the vital issues is that Fred and Wilma do not manage to clean the guest rooms and the foyer after check out of the guests. The cleaning of the kitchen and the staff areas were not properly done. The rooms were not cleaned before the arrivals of the new guest and after the check out of the previous guest and this was another issue that affected the business practices of the Hotel. There was the lack of the cleaning services by the team members. There needs to be a monitoring department or a team of two or three members who should monitor the desired activities and the performances of the staff members along with the team should evaluate the cleaning processes is done on a regular basis (Testa and Sipe, 2012). The division of the workload should be with the allocation of time that in the given time the particular work needs to get completed. The assessing of the workload of the staff needs to be done in a systematic approach following a scheduled routine. Evaluation of the performance activities, as well as the feedback from the customers, will help in rectifying that the issues which need to be improved by Frank and Josie. They might have provided the responsibility to one or two particular people to monitor the cleaning of the rooms and to make the rooms fresh and cleaned for the new guests coming to the Hotel (Raj and Griffin, 2015). This strategy would have helped Frank and Josie in enhancing the effectiveness of the business practices of the entire hotel in front of the clients. References Buhalis, D. and Crotts, J., 2013.Global alliances in tourism and hospitality management. Routledge. Mok, C., Sparks, B. and Kadampully, J., 2013.Service quality management in hospitality, tourism, and leisure. Routledge. Raj, R. and Griffin, K.A. eds., 2015.Religious tourism and pilgrimage management: An international perspective. CABI. Testa, M.R., and Sipe, L., 2012. Service-leadership competencies for hospitality and tourism management.International journal of hospitality management,31(3), pp.648-658.