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first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Designing banking products can be a bit like trying to solve a Rubik’s Cube, except at times there can be more than six “sides” to getting the puzzle of deposit or credit products solved. And, frustratingly, what solves the puzzle for one generation doesn’t necessarily solve it for every generation.Beyond that, cool doesn’t necessarily sell. Much as many bankers and credit union executives, up on the latest technologies, like to add them to the mix, those digital wrinkles don’t always boost consumers’ response to account offerings.“Some of the technology is a nice-to-have, but doesn’t really connect with consumers, doesn’t move the needle, to the degree that a significant difference in price or convenience might have,” says Andrew Vahrenkamp, Senior Research Analyst and Program Manager at Raddon Research. He produced the firm’s report, “Building a Better Product: Tradeoffs in Designing for Consumer Preferences.” (When Vahrenkamp refers to technology, he isn’t counting mobile banking, as that is more like a channel than a feature.) continue reading »last_img read more

first_img What has the Games cost Japan? At the end of 2019, organisers estimated the total cost of the Games at around 1.35 trillion yen ($12.6 billion). That is divided between the city of Tokyo, which is paying 597 billion yen, the Japanese organising committee, which contributes 603 billion yen and the central government, which is paying 150 billion yen. The actual costs of hosting the Olympics in Japan have been hotly debated Japan and Olympic organisers are at pains to insist this summer’s Games in Tokyo are on, despite the new coronavirus outbreak, but what would a cancellation cost the world’s third-biggest economic powerhouse? With Japanese domestic spending already weak, the hit from an Olympics cancellation could ripple through the economy With a dearth of reliable figures, opinions vary, yet experts all agree on one point: Games or no, the main risk to the Japanese economy this year is a prolonged global coronavirus epidemic.Advertisement Tourism in Japan was already hit before the virus, amid a diplomatic spat with South Korea that prompted boycott calls. Visitors from South Korea previously made up the second largest contingent of tourists to Japan, behind only China.And with the virus outbreak, Japan has seen a further fall in South Korean numbers, as well as a plunge in travellers from China, which together accounted for nearly half the 31.9 million foreign visitors to the country in 2019.Japan has an industrialised and diversified economy not heavily reliant on tourism, with foreign visitor expenditures making up just 0.9 percent of GDP in 2018, according to economic research organisation CEIC.But with domestic spending already weak, the hit from a cancellation could ripple through and further depress local purchasing.What would the impact on GDP be?Economists at research firm Nomura already predict a 0.7-percent contraction in GDP for the 2020 calendar year, but warn that could be up to 1.5 percent if the Games are cancelled.Takashi Miwa, an economist at the firm, told AFP the main impact would be on domestic spending, because a cancellation of the Games “would badly affect Japanese consumer confidence”.Economists at SMBC Nikko Security forecast an Olympics cancellation and continued spread of the virus would shrink Japan’s GDP growth by 1.4 percentRead Also: Coronavirus: Arsenal stars quarantined after ‘contact’ with Olympiakos chiefIt could also deprive the country of 240 billion yen ($2.28 billion) in spending from foreign spectators expected to attend the Games, he added.The Tokyo 2020 organisers decline to say how many foreign visitors they expect to visit Japan specifically for the Games.So far 4.5 million tickets have been sold in Japan, with around 7.8 million expected to be sold overall, 20 to 30 percent of them internationally.Japan’s tourism ministry in 2018 projected around 600,000 foreign spectators would come for the Olympics.Using a more modest projection of 300,000 foreign visitors for the Games, economists at SMBC Nikko Security forecast a cancellation and continued spread of the virus would shrink Japan’s GDP growth by 1.4 percent.That forecast assumes the virus is still spreading globally in July, forcing the cancellation. The group estimates a 0.9-percent drop to GDP growth if the outbreak ends in April.FacebookTwitterWhatsAppEmail分享 Loading… Promoted Content8 Superfoods For Growing Hair Back And Stimulating Its Growth7 Theories About The Death Of Our Universe8 Most Beautiful Modern Chinese ActressesCouples Who Celebrated Their Union In A Unique, Unforgettable Way5 Of The World’s Most Unique Theme Parks7 Ways To Understand Your Girlfriend BetterThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreTop 10 Tiniest Phones Ever MadeCan Playing Too Many Video Games Hurt Your Body?8 Fascinating Facts About Coffee7 Black Hole Facts That Will Change Your View Of The Universe7 Train Stations In The World You Wish To Stay At Longer But the actual costs for the country have been hotly debated, with a widely publicised audit report estimating national government spending from the bid in 2013 until 2018 at 1.06 trillion yen, nearly 10 times the budget.Japanese businesses have also poured money into the event in sponsorships, paying out a record 348 billion yen ($3.3 billion).And that figure doesn’t include the partnerships signed between major companies and the International Olympic Committee for rights to sponsor several Games. Among those are giants including Japan’s Toyota, Bridgestone and Panasonic.Which sectors would be affected?According to analysts at Capital Economics, one key factor to consider in terms of how a cancellation might hit Japan’s economy is that most of the spending has already happened.That means the effects of outlays, most notably on construction of new sporting venues, has already been factored into GDP in recent years.But a cancellation would be a drag on tourism, as well as general consumption in the country, already under pressure after a controversial sales tax hike last year.Japan’s tourism ministry in 2018 projected around 600,000 foreign spectators would come for the Olympicslast_img read more

first_imgGlenree are crowned championsAn extreme cold and wet Saturday morning did not deter this young and enthusiastic squad of Glenree utd girls of setting their sights and becoming u12 blitz champions of Donegal.Seven teams in total arrived at the Ballyare football grounds on the day, in high spirits, to compete for this coveted prize.While all these young teams are talented in their own right, with some excellent passages of football played on the day it was Glenree who clearly had the edge with  victories over Swilly Diamonds, Swilly Rovers, Lagan Harps, Raphoe Utd, Finn Valley and Kilmacrennan, scoring a massive 26 goals in total on the day. Saturday’s success was a great result for all these young Glenree girls and management alike. Congratulations to each player for all their hard work and effort.The team now turn their attention to preparing for the Ulster championship on Saturday 21st September at Maginn park, Buncrana.Glenree Utd will be joined on the day by Swilly Rovers and Kilmacrenan teams who finished in 2nd and 3rd places at the Donegals. Good luck to all teams traveling.Thanks to all the families who continually give support to the players and club. A special word of thanks to our very dedicated coach Cathal for his continued training, help and support for this team.Thanks also to Michelle for all her hard work at all our matches and events.GLENREE GIRLS UNDER 12s CROWNED DONEGAL CHAMPIONS was last modified: September 8th, 2013 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:glenreeUnder 12s championslast_img read more

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