Focus on engagement, not the simple transaction. In person transactions in the branch environment continue to decline across the board. We now have mobile, online, and vast ATM networks for simple cash transactions. Why are members still coming to the branch? They are looking for in-person trusted and expert financial advice and they might be looking to solve a problem. Design a space that enhances and promotes a conversation, rather than a transaction-focused space. Keep it authentic, keep it on brand. What makes up your brand ethos? What makes your organization’s culture unique and successful? Understanding what makes you tick as an organization helps to guide and design an authentic, relatable retail experience. Embrace technology…but don’t let it limit you. There are so many technological advances, gadgets, and devices now available to enhance a retail environment, however, the average lifespan of hardware and new technology is 18 months before the next latest and greatest thing is out and available. Decide what the right mix of technology is for you and your branch environment and then design a space that is flexible enough to accommodate this ever-changing platform. Advance planning when it comes to technology can be a major cost saver down the road. 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jenny Bengeult Momentum has been involved on a national scale with the planning, design and delivery of several hundred retail banking facilities and Jenny Bengeult leads the design team. Jenny oversees a … Web: www.momentumbuilds.com Details Today’s financial institutions must offer mobile channels for their consumers to complete financial transactions on the go. However, human interactions are best at building an initial relationship. According to Channel Delivery for Tomorrow published by the Filene Research Institute in 2013, 67% of credit union members prefer to get their financial advice in the branch from a person. More and more, financial institutions are incorporating not only state-of-the-art technology in their branches but are also bringing in the local culture. Most importantly, a financial retail space should present an organization’s brand directly to its consumers. Here are some tips from years of experience designing financial retail space. Feel free to try them out in your next branch design!Know what you members really want. Who are your members of the future? What are their personas? Knowing your target member group inside and out will help immensely when making design decisions for the look, feel, and function of your branch environment. Look beyond standard statistics like age and income and dig deeper to understand their lifestyle and wants. This fundamental knowledge help give reason to all design decisions. Find your inspiration. What major trends are retailers, banks, hotels, and restaurants adopting? Are you on Pinterest or Houzz? There are so many blogs, apps, and design resources available at our fingertips, it’s easy to pull inspiration and ideas together fairly quickly. Do some up front homework and explore all of the possibilities that are out there.
… Barbados, BVI and Jamaica to participateTHE Guyana Squash Association (GSA) will be serving off 2020 with a new addition to its calendar – the first BCQS Guyana Masters Championship, today at the Georgetown Squash Courts from 17:00hrs.Sponsored by property and development company, BCQS International, the tournament will see Guyana play hosts to Squash Masters from Barbados, Tortola and Jamaica.According to a release from GSA, 26 players will contest in the following categories – Women’s Over-35, Men’s Over-35, Over-45, Over-55 and Over-65 to show mature athletes still have the ability to perform in this ultimate court game.From Young Masters to ‘Vets’, the line-up of players promises some outstanding play and close battles in the various age groups. Guyana’s long-time players Denis Dias and Tony Farnum will be representing the Over-65, Narendra Singh, Lloyd Fung-A-Fat and Wayne Alphonso in Over-55, David Fernandes, Joe Mekdeci for Over-45, and Regan Pollard in the Over-35..In the Women’s Over-35 Lydia Fraser and Tian Edwards challenge the lone overseas female competitor from Barbados. “Having sponsor BCQS International on board for this event is welcomed by GSA as an opportunity to broaden the scope of Masters squash in Guyana and allow those with a lifelong dedication to the sport to showcase their experience and expertise,” the association said.After today’s opening round of matches, action will continue tomorrow from 17:00hrs, followed by two sessions on Saturday (11:00hrs and 16:00hrs).
The updated Merchant Platform – which will remain free – has also added some analytics, so that business owners can track the details about the frequency and time-of-day when Foursquare users check-in at their location, and so that they can track the performance of the various Specials they offer. Related Posts Yesterday location-based social network Foursquare rolled out a substantial upgrade to its platform. Foursquare 3.0 includes improved discovery, recommendations, and rewards for its users.Those rewards are aimed at loyal Foursquare users who check-in regularly at a particular venue. So to make it easier for the quarter of a million some-odd businesses that have claimed their venues to offer these rewards, Foursquare has just announced an update to its Merchant Platform.The update will make it easier to create campaigns and it is launching with several pre-set Specials, aimed at both attracting new customers and rewarding loyal ones.These include Flash Specials – the first people who arrive after a certain time get a special discount; Friends Specials – check-in with three Foursquare friends, for example, to get a certain deal; Swarm Specials – check-in with a large group; Newbie Specials – deals for the first time you check-in; and of course, Mayor Specials. Top Reasons to Go With Managed WordPress Hosting Tags:#biz#tips A Web Developer’s New Best Friend is the AI Wai… audrey watters 8 Best WordPress Hosting Solutions on the Market Why Tech Companies Need Simpler Terms of Servic…
Arunachal Pradesh has echoed Manipur in demanding to be kept out of any “territorial changes” that might be incorporated in the settlement of the Naga political problem.October 31 deadline The Central government has been discussing with the Isak-Muivah faction of National Socialist Council of Nagaland (NSCN-IM) as well as a rival conglomerate named Naga National Political Groups for the “final solution” on the peace accord by October 31, a deadline purportedly set by Prime Minister Narendra Modi.“The proposed agreement between the Centre and the NSCN-IM should not affect Arunachal Pradesh and its people in any way. We strongly oppose any attempt to change the territorial jurisdiction of the State or any kind of administrative intervention in the State while reaching the final solution,” said Hawa Bagang, the president of All Arunachal Pradesh Students’ Union (AAPSU).Plea to all partiesThe union has demanded that Pema Khandu-led BJP government should make its stand on the vexed issue clear. It also asked the three Members of Parliament from the State, all 60 legislators and the political parties to come together to protect the territorial integrity of Arunachal Pradesh. The AAPSU’s message to Delhi is based on the NSCN-IM’s vision of Nagalim or Greater Nagaland that would entail redrawing of boundaries to bring all Naga-inhabited areas in the Northeast under one administrative umbrella.The NSCN-IM’s map of Nagalim spreads over 1,03,473 sq km beyond the 16,527 sq km area of Nagaland. It includes much of eastern Arunachal Pradesh. The outfit, as well as rival factions, claim these areas, primarily Changlang, Longding and Tirap districts are dominated by Nagas.
James Yap says young Rain or Shine will grow from Game 7 loss Arado, who had a career record of 7-63 in the UAAP, said she doesn’t regret staying in UE despite not achieving the team success she envisioned for five years.“In the five years I stayed in UE, there were a lot of changes and I know that my co-seniors and I that we don’t regret playing for UE even though there were a lot of negative things being said against the team,” said Arado in Filipino.Arado wasn’t the only Lady Warrior, who exhausted her collegiate eligibility with middle blocker Roselle Baliton, setter Lai Bendong, and outside spiker Judith Abil also set to leave after the 2018-19 academic year.“There were times that we actually thought of leaving UE but we held on to our ideals of changing the way people perceive UE,” said Arado who had 28 excellent digs and 12 successful receptions.ADVERTISEMENT Philippine Arena Interchange inaugurated Cayetano: Senate, Drilon to be blamed for SEA Games mess SEA Games hosting troubles anger Duterte UE Athletic Director Rod Roque, who’s also the team’s interim head coach after replacing Francis Vicente, said Arado had already applied to be an assistant coach for the following season.“I already submitted Kath’s papers to UE’s president,” said Roque.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logisticsArado leaves UE as one of its most successful liberos after being named Rookie of the Year in Season 77, Best Receiver in Season 80, and Best Digger in Seasons 79 and 80.She’s also in contention for the Best Libero award for Season 81. LATEST STORIES Hontiveros presses for security audit of national power grid Don’t miss out on the latest news and information. Panelo: Duterte ‘angry’ with SEA Games hosting hassles PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss MOST READ Duterte wants probe of SEA Games mess DA eyes importing ‘galunggong’ anew Private companies step in to help SEA Games hosting Sports Related Videospowered by AdSparcRead Next Photo by Tristan Tamayo/INQUIRER.netMANILA, Philippines—Kath Arado could stay at University of the East even after playing her final game in the UAAP Season 81 women’s volleyball tournament, albeit in a different capacity.The Lady Warriors lost their last match of the year to league leader Ateneo, 25-20, 27-25, 25-11, Sunday at Filoil Flying V Centre but the star libero could be staying in the school for the foreseeable future.ADVERTISEMENT View comments
TagsTransfersAbout the authorPaul VegasShare the loveHave your say Newcastle boss Rafa Benitez: We need more in attackby Paul Vegas10 months agoSend to a friendShare the loveNewcastle United boss Rafa Benitez says they need to improve their attack next month.Benitez was frustrated after their 0-0 draw with Fulham.He said, “We have to put into perspective where we were at the beginning and we are now playing against teams like Fulham and Wolves who have spent a lot of money during the summer.”But we carry on with a group of players who have been doing really well for us, fighting every game, but sometimes in these types of games you can see we need a little bit more and that is what we are looking for.”
OTTAWA – The Canadian economy continued to churn out more jobs in October even amid forecasts that economic growth is slowing in the second half of the year.Statistics Canada said Friday that the economy added 35,300 jobs in October as the number of full-time positions swelled by 88,700, while part-time employment dropped by 53,400 jobs.“After modest net job gains through the summer, October’s strong result suggest there is still some life left in the economic upswing,” Bank of Montreal chief economist Doug Porter wrote in a report.The gain in jobs came as the unemployment rate increased to 6.3 per cent, up from 6.2 per cent in September, as more young people started looking for work.However, offsetting the jobs report, Statistics Canada also reported a $3.2-billion trade deficit for September, essentially unchanged from the previous month which was revised to a deficit of $3.2 billion compared with an initial estimate of $3.4 billion.The trade deficit came as both exports and imports lost ground for a fourth consecutive month in September as they both dropped 0.3 per cent.CIBC chief economist Avery Shenfeld noted that when both exports and imports fall that typically means both foreign and domestic demand is slowing.“If we look at the numbers for the third quarter, it is clear that exports are going to be a huge drag on growth,” he said.The overall drop in exports came as the motor vehicles and parts sector fell 10.6 per cent, offset in part by a 7.2 per cent increase in exports of energy products. Prices of exports fell 0.6 per cent, while volumes grew 0.3 per cent.On the other side of the equation, imports fell as the electronic and electrical equipment and parts category fell 4.6 per cent and consumer goods fell 1.9 per cent. Prices of imports fell 1.5 per cent, but volumes increased 1.3 per cent.Economists have been predicting that the economy is slowing in the second half of the year after the red-hot pace set in the first six months of 2017.The strong growth to start the year helped prompt the Bank of Canada to raise its key interest rate target twice, but the central bank kept it on hold last month as it also predicted growth would slow.Shenfeld called the jobs report “a bit of an incongruity” amid the other economic data that has been pointing to a slowing of growth in the third quarter.“Every quality measure we typically look at in the employment report was on the side of angels,” he said.Leading the job growth in October was the “other services” category which gained 21,400 positions, while the construction industry gained 18,400 and information, culture and recreation industries added 15,300 jobs.Offsetting those gains, the wholesale and retail trade sector lost 35,900 positions.Regionally, Quebec posted the largest increase with a gain of 18,400 jobs, while Alberta added 11,900. Manitoba added 4,000 jobs and Newfoundland and Labrador rose by 3,400. Saskatchewan lost 4,000 jobs in October.Compared with a year ago, employment was up by 308,100 jobs as the number of full-time jobs increased by 396,800 and the number of part-time positions fell by 88,700.
OTTAWA – Higher gasoline prices helped bump retail sales higher in September, but economists said it appears consumer spending has cooled after a hot start to the year.Statistics Canada said Thursday retail sales edged up 0.1 per cent to $49.1 billion in September, boosted by sales at gasoline stations as prices climbed due to disruptions caused by hurricane Harvey.However, excluding sales in this subsector, retail sales fell 0.2 per cent.“Retail sales are losing steam, but given the sky-high rates of growth that they were tracking, a cooling was inevitable,” CIBC economist Nick Exarhos wrote in a report.Exarhos noted the result fell short of the consensus expectations for gains of closer to one per cent.Overall, sales were up in five of 11 subsectors, representing 52 per cent of retail trade. After removing the effects of price changes, retail sales in volume terms fell 0.6 per cent.Sales at gasoline stations were up 2.6 per cent as prices rose, largely due to higher prices. In volume terms, sales at gasoline stations declined 2.5 per cent.Economists have been predicting the economy would slow in the second half of the year after a strong start to 2017 which saw the Bank of Canada raise its key interest rate twice.However, while the central bank has said that future rate hikes are likely it has struck a more cautious tone about when that may happen, noting that it will be keeping a keen eye on the incoming economic data.TD Bank economist Dina Ignjatovic said the retail sales data was in line with the slowing in economic activity expected by the Bank of Canada.“Consumer spending has been a key driver of economic growth this year and while a more sustainable rate of growth is likely, it should remain a key support going forward,” Ignjatovic wrote.“Indeed, some improvement in retail sales could be in the cards, in line with the uptick in housing market activity and a strong labour market.”
KAMLOOPS, B.C. – A spill from Kinder Morgan’s Trans Mountain pipeline late last month was 48 times larger than initially reported, officials said.The spill volume reported from the company’s Darfield station north of Kamloops on May 27 was revised to 4,800 litres from 100 litres, the B.C. Ministry of Environment said Sunday.It said 100 litres is the minimum threshold under the company’s spill reporting obligations, so that’s why the ministry estimated 100 litres at the time.Trans Mountain spokeswoman Ali Hounsell said the company didn’t tell regulators how much medium crude oil escaped at the time of the spill.“Trans Mountain had not provided an estimate of the volume spilled, other than to confirm with regulators that it was over the reportable threshold, until cleanup had sufficiently progressed to a stage where an accurate estimation could be provided,” she said in an email.Following an onsite investigation, she said Trans Mountain has provided the updated volume estimate to regulators.Trans Mountain is in the final stages of completing the cleanup, she said.Under British Columbia’s spill reporting regulation, Trans Mountain was required to report the spill immediately. The regulation says the quantity spilled should be among the information included in that report, “to the extent practical.”The company turned off the pipeline for several hours the day of the spill, which the ministry said came from a leaking flow metre.The spill was contained to the station property and no waterways were affected, the ministry said.Two days later, Prime Minister Justin Trudeau announced the federal government will spend $4.5 billion to buy the Trans Mountain expansion and Kinder Morgan Canada’s core assets.Kinder Morgan had ceased all non-essential spending on the Trans Mountain expansion in April, vowing to cancel it unless it received assurances it can proceed without delays and without undue risk to shareholders by a deadline of May 31.After the federal government’s announcement, the company said work would be restarted soon, with the government funding construction. The sale is expected to close in the second half of the year.
Madrid: Novak Djokovic said his impressive burst of form which won him a third Madrid Open title and 33rd Masters could prove decisive in his assault on the French Open. The world number one joined Rafael Nadal on top of the all-time Masters list when he swept to a 6-3, 6-4 win over Stefanos Tsitsipas in Sunday’s final in the Spanish capital. “At this very important time for me in the season, the win gives me a lot of confidence prior to Rome and, of course, Roland Garros where I definitely want to play my best,” said the 15-time major winner. Also Read – We will push hard for Kabaddi”s inclusion in 2024 Olympics: RijijuDjokovic dominated a clearly exhausted Tsitsipas less than 24 hours after the 20-year-old Greek had stunned five-time champion Nadal in a semi-final which ended around midnight on Saturday. Djokovic and Nadal will now attempt to claim a 34th Masters title in Rome this week in a key indicator ahead of Roland Garros which gets under way on May 26. Djokovic credited key wins in Madrid with helping him to his first final since winning the Australian Open three months ago. Also Read – Djokovic to debut against Shapovalov at Shanghai MastersHe will be bidding to collect his fourth consecutive title at a Grand Slam when he plays in Paris where he was also champion in 2016. “This win was very important for my level of confidence because after the Australian Open I wasn’t playing my best,” he said. “I wasn’t finding the right game and the consistency on the court in Indian Wells, Miami and Monte-Carlo. “I felt like I was close and needed a little bit of a push, which came yesterday against Dominic Thiem in the semi-final in a very close match.” Djokovic never let Tsitsipas get into gear in a final which lasted just over 90 minutes. The Greek, who beat Djokovic in their previous meeting last summer in Canada, was broken once in each set, enough of a margin for the top seed to take the trophy, his second of the season after the Australian Open. The Serb still needed four match points to get the job done with Tsitsipas finally beaten when Djokovic sent a winning volley into the corner. “He has the best backhand that I have ever seen in a human being,” said Tsitsipas of his opponent.