No longer did Stephen Curry feel any pain in his left groin. For about a week, he could complete workouts with full intensity. After each workout, Curry said he felt just as great as he did beforehand.So after missing the previous 10 games with his injury, Curry proclaimed himself ready to play for the Warriors’ marquee game against the Toronto Raptors on Nov. 29. The Warriors’ star, though, encountered a roadblock much more difficult than facing multiple defenders at halfcourt. Dr. Rick …
SAN FRANCISCO — It’s almost time to bid adieu to Triples Alley.The Giants haven’t made any formal decisions to adjust the outfield dimensions of Oracle Park, but president of baseball operations Farhan Zaidi said Tuesday the team is inching closer to finalizing plans to move the bullpens out of foul territory and into right center field.“We’ve made a lot of progress on designs that would have them move out to the outfield and potentially alter some of the dimensions out there,” Zaidi said at …
The Breaking Down Borders Africa Youth Initiative in collaboration with Brand South Africa will be bringing another chapter of this year’s Africa Youth Summit.Brand South Africa’s Ntombi Ntanzi had a quick Q&A session with Founder of Breaking Down Borders Africa Initiative Paul Modjadji on its 2018 Summit.Ntombi Ntanzi(NN): What is the Breaking Down Borders Africa Initiative about?Paul Modjadji(PM): The Breaking Down Borders Africa Initiative is a Pan-African platform that seeks to unite young African change makers. By creating platforms for these young leaders to act in concert. It hopes to break down the barriers that prevent collaborations among young African social and commercial entrepreneurs across the continent.This was born out of the realization, made during the inaugural Breaking Down Borders Africa Tour, that there was a desire to trade on ideas, methods and initiatives among young Africans, but there was bureaucracy that prevented this. The result was the Breaking Down Borders Africa Youth Summit which is a think tank and networking platform like no other – targeted at young leaders and curated by young leaders, all from Africa.NN: What opportunities are there for young people participating in the initiative?PM: The summit is a networking and solutions gathering platform that targets young people from the continent, even if they don’t currently live on the continent. We link these young people with established thinkers in various industries (commerce, academia, politics, etc) who can assist in elevating them and their work efforts;The objective of the summit is to empower young entrepreneurs, be they social or commercial entrepreneurs, to take their work to the next level and start trading from ideas and materials across the continent. We also highlight to the wider community, the issues faced by young Africans and the possible solutions to these issues as envisaged by these young Africans;NN: How has the initiative been received?PM: The reception has been positive from the youth who have taken part in the inaugural Summit and those who have indicated interest in the second edition. There has been support from both government and the general public who fall outside the target market. Most of these people and institutions recognize the need for this platform and that’s why they support it.NN: What is the initiative all about in 2018?PM: In line with the theme for the Nelson Mandela centenary, the theme for 2018 Breaking Down Borders Africa Youth Summit is “African Youth: Building our legacy” – and this year is about creating a platform where we work towards a lasting legacy as young people.This year the Summit wishes to result in a document that can inform policy which may be adopted by the AU and various signatory governments. This we believe is our own legacy as a platform.NN: How do people sign up and participate?PM: To sign up, people must visit our website www.breakingdownbordersafrica.comWould you like to use this article in your publication or on your website? See Using Brand South Africa material
Trends Driving the Loyalty Marketing Industry What Nobody Teaches You About Getting Your Star… AI is Not the Holy Grail of Sales, at Least Not… Breakthroughs in digital technology continue to transform and shape how, why and where consumers shop. Increasingly, they favor conducting commerce that does not require a human touchpoint. Practically every industry is spawning digital marketplaces – think Amazon, eBay, Etsy and Uber. The disruptions they trigger are fundamentally changing the industries themselves and the organizations within them. The consumer behavior’s are shifting business models and industries are adapting.How consumer behavior has shifted in retail.Simply consider the new retail shopping concept introduced by AmazonGo, where shoppers use an app with advanced technology when taking the products they want and depart without enduring checkout lines. It mirrors Uber and Lyft for ease of use and payment.This type of dramatic shift raises the question of why one industry in particular – the insurance sector – has been slow to alter its business model to fit today’s needs. The industry offers many lines of coverage, from home, health and life insurance, to very specialized coverage, such as prize indemnification should a golfer snag a hefty prize in a charity event for scoring a hole in one. Quite a few of these lines of coverage almost certainly can benefit from a simple, on-demand approach to personalized coverage with little, if any, human interaction. And while digital insurers certainly exist, they don’t embrace the “new” digital reality of having on-demand access at your fingertips. For the most part, they still have lengthy applications to fill out and complicated processes to go through. Plus, they base their online insurance quotes on common driver demographics and actuarial history that’s often decades old.What traditional insurers seem to forget is the speed at which consumers have changed and the swift arrival of digital natives. Simply consider: Of consumers born in the age of digital technology, 95 percent own a smartphone, 75 percent have a social network profile and 60 percent rely on the internet for their information. And they often overlook what consumers seek: on-demand service, digital guidance, access to information across all channels, more personalization and predictability, improved affordability and simplicity.Insurers are experimenting with various digital approaches via innovation labs and corporate venture funds. Many insurers most are taking a wait-and-see attitude toward moving quickly to adopt inventive new digital technologies. In their defense, insurers contend that digital transformation is tricky and difficult. They cite heavy regulation, large capital requirements, complex policies and middlemen in the distribution chain, such as brokers.Reflecting that belief, a 2017 study by PricewaterhouseCoopers found that nearly three-in-four insurers consider digital innovation a challenge, and only 28 percent had explored partnerships with fintech firms. Still, disruption is the name of the game, and that applies to insurance as well as every other industry. Take the fast-evolving world of self-driving and semi-autonomous vehicles, which will significantly change the nature of auto insurance. Traditionally, auto insurers base their premium on human error, which causes the vast majority of car accidents, and the demographics of the insurance applicant. But with self-driving cars, auto insurers must use other approaches to determine their premiums, and motorists may expect that they will see lower premiums because the human factor is reduced.Since self-driving and semi-autonomous vehicles are still in their infancy, manufacturers are having to buy insurance to reflect the possibility of accidents, and carmakers such as Tesla are factoring in insurance costs in pricing their autos. Also, securing self-driving vehicles against hacking is a challenge, so buyers of those cars may also have to purchase cyber insurance.Startups and entrepreneurs may want to take a look at the business possibilities — in insurance.McKinsey management consultants have studied digital strategy and insurance and, while noting the industry’s challenges, they wonder how the industry will respond should, say, an innovative powerhouse like Amazon enter the insurance business. Or, should a data aggregator develop more accurate pricing models and partner with an insurtech start-up, which soon sparks strong profitable growth.“How would these disruptions affect premiums and profitability?” asks McKinsey. “How quickly would insurers feel the impact? How could they respond? And what other digital innovations lie in store?”Increasingly, lasting success requires innovating at least two of a business model’s four dimensions, as Jiahua Xu of the London-based Institute of Insurance Economics sees it. She describes the distinctive dimensions of a “pay-per-use” business model as: What do you offer to the customer? How is the value proposition created? Why does it work? Who are your target customers?In this digital age, allowing consumer behavior to inform the business model promises significant benefits for insurers. Here are several of the advantages.Better understanding of your customers: A comprehensive grasp of consumers and your customers generates invaluable insights and proves essential to accomplishing your core business goals. This can be easily achieved by engaging with them in real-time through digital channels that let you chat with your customers as they browse your website, for instance. Such insights also occur when you engage with them online or elsewhere to gain their impartial feedback on a specific area of customer experience, so you can then act upon it. With advanced analytics, stronger customer touchpoints and other behavioral aids, insurers can quickly and better understand customer attitudes and behavior.It’s also critical to better understand multicultural customers. As multicultural consumers have accounted for the vast majority of our population growth in recent years, it is important to know how they differ in their attitudes and behaviors about insurance and financial matters in general. Ability to deliver more flexible offerings with ease and speed: With consumers demanding speed and on-demand response, and also clearly in control in today’s buying environment, it becomes ever more important to develop and market products and offerings that capture this customer-centricity. Going digital can help provide anytime, anywhere services and determine more quickly what customers seek or don’t favor with products to help gain or retain their business.Digital third-party administrator services can also help insurers launch products quicker and with a lower cost through combined technology advances, operational expertise, and flexible customer engagement models.Opportunity to build long-term relationships and customer loyalty: Digital technology enables insurers to deliver personalized service to customers that, if handled well, can instill customer loyalty and long-lasting ties by delivering convenience to customers’ lives. These tech advances give insurers much more frequent and proactive contact with customers instead of merely sending a bill, renewal notice or a claim.The conveniences that digital tech can generate to enhance the customer experience cannot be stressed enough. Digital presents the opportunity to maximize the value of every customer interaction – and with that can improve the value an insurer provides, in addition to customer satisfaction, trust and allegiance. At a time when research indicates consumer trust in insurance hasn’t risen above 50 percent in a decade, insurers can only benefit by providing customers with innovations that make their lives easier and simpler. Conclusion:Prompted by the continuous evolution of digital technology, we’re seeing major shifts in consumer behavior across the board. To gain a competitive edge in this new age, businesses across all industries should consider reevaluating their business model from a customer-centric lens. Related Posts Tim Attia is the CEO and Co-Founder of Slice Labs, a technology startup and the insurance engine leading tomorrow’s cloud-based, on-demand digital services ecosystems. Using AI, machine learning, and Ph.D. behavioral science expertise in Slice’s Insurance Cloud Services (ICS) platform and Slice Mind capabilities, the company is enabling insurers and technology companies to build truly intelligent and intuitive pay-as-you-go digital insurance products protecting the insured anytime and anywhere. Tim began his career with a large technology and management consulting firm, and has since continued to work with major global insurance carriers on technology and distribution. With This One Question, You’ll Never Need an Ic… Tags: #Business insurance#insurance Tim Attia
Man Utd hero Ince: Two better options than joke appointment Solskjaerby Paul Vegas10 months agoSend to a friendShare the loveManchester United hero Paul Ince has slammed plans to name Ole Gunnar Solskjaer as caretaker manager.Molde coach Solskjaer is expected to be named United caretaker boss after the dismissal of Jose Mourinho on Tuesday.But Ince says: “The suggestion of Ole Gunnar Solskjær makes me laugh, that has to be a joke. It’s absolute madness.”He also wrote for Paddy Power: “If it was me? I’d pick Steve Bruce today. He’s not working at the moment, and he had seven or eight years at the club. He’s been a very good, and successful manager and he more than many understands what it’s like to be a United player. Yes, he’s been sacked, but we’ve all been sacked before.”Between him and Solskjaer there’s no comparison. Plus, I’d love it to be someone English, and someone who United fans through the ages immediately recognise and say ‘I remember Steve Bruce, what a player he was.'”The only other caretaker candidate I’d choose would be Roy Keane. He’d knock those players into shape in no time, he’s managed, and he’s familiar with the club.” TagsTransfersAbout the authorPaul VegasShare the loveHave your say
TagsTransfersAbout the authorPaul VegasShare the loveHave your say REVEALED: Arsenal burned off AC Milan competition to sign Dani Ceballosby Paul Vegas8 days agoSend to a friendShare the loveArsenal burned off competition from AC Milan to sign Dani Ceballos this past summer.The Gunners landed Ceballos in August on-loan from Real Madrid – without the option to buy.Calciomercato.com says Milan were in talks with the midfielder before the Gunners stepped in.It’s claimed Ceballos welcomed Milan’s approach and was excited about the move.However, the Italian club could not match Arsenal’s offer, which offered a fee for a straight loan arrangement.
Ankara: Turkey’s economy fell into its first recession in a decade, official data showed on Monday, just weeks before President Recep Tayyip Erdogan’s government faces local elections where growth and inflation will be key issues for voters. Economic output contracted by 2.4 percent in the final three months of the year compared to the third quarter on a seasonally and calendar-adjusted basis, the Turkish Statistics Institute (TUIK) said. That followed a revised 1.6 percent contraction in the third quarter. Also Read – Maruti cuts production for 8th straight month in SepTwo consecutive quarter-on-quarter contractions in economic output is widely considered to be the definition of a recession. The flagging economy coupled with a currency crisis last year that battered the lira are sensitive issues for Erdogan and his ruling Justice and Development Party (AKP) before the municipal vote on March 31. The Turkish leader, in power since 2003 first as prime minister and then as president, has often boasted of the country’s strong growth during his time in government. Also Read – Ensure strict implementation on ban of import of e-cigarettes: revenue to CustomsGrowth came in at 2.6 per cent for 2018 overall, but that was still much lower than the 7.4 per cent recorded in 2017, a turbulent period following the 2016 failed coup and terror attacks. The economy shrank by 3 percent in the fourth quarter of 2018 compared with the same period the previous year. Inflation has also remained high. It struck a 15-year peak in October at 25.24 per cent before falling below 20 percent in February, with food prices hit particularly hard. Erdogan’s government has sought to curb consumer prices, especially for produce consumed everyday in Turkish households. Turkish authorities last month set up their own vegetable stands in a bid to force markets to lower food prices. But analysts said economic data showed inflation was still weighing on household consumption, and domestic demand was weak. Turkish Finance Minister Berat Albayrak, who is also Erdogan’s son-in-law, said on Twitter the data was as expected, but “the worst is behind us”. That analysis was shared to some extent by the London-based Capital Economics research firm, but they offer cold comfort for Turkey’s economic outlook. “While the worst of the downturn may now have passed, the weak carryover means that we expect GDP to decline by 2.5 percent this year,” said Jason Tuvey, senior emerging markets economist at Capital Economics. Albayrak blamed the recession on “speculative attacks” and the current global economic slowdown. While Turkey’s economy was hit when US President Donald Trump doubled tariffs last year on Turkish steel and aluminium, confidence was further eroded by a bitter row over a detained American pastor. The lira plummeted in value in August. While an aggressive interest rate hike in September helped brake its fall, economic activity stalled while prices of goods shot higher. The last time Turkey entered a recession was in 2009 after the global economic crisis hit foreign and domestic demand.
Rome: Italian dictator Benito Mussolini’s great-grandson plans to run in next month’s European parliamentary elections on behalf of a minor far-right party, a newspaper reported Tuesday. Il Messaggero newspaper said Caio Giulio Cesare Mussolini, a 50-year-old former submariner, aimed to run as a candidate for the Fratelli d’Italia (Brothers of Italy) party. “So many people want to put Mussolini on the ballot,” it quoted him as saying. Mussolini is the first cousin once removed of Alessandra Mussolini, the dead fascist leader’s granddaughter who has been an MEP since 2014. Also Read – Saudi Crown Prince ‘snubbed’ Pak PM, recalled jet from USBorn in Argentina, Mussolini has no previous political experience but “obviously I’ve breathed politics my whole life,” he told the daily. He described himself to Il Fatto Quotidiano as “a post-fascist who refers to those values in a non-ideological way”. He said he thought he was chosen as a candidate not for his family name but for his first names, the Italian form of “Gaius Julius Caesar”, as well as his sense of duty and international experience. If elected, he said he would “defend the national interest with all my actions and votes”, in line with the nationalist stance of Fratelli d’Italia. The party won 4.4 per cent of votes in last year’s Italian national election.
Jaipur: Sunrisers Hyderabad coach Tom Moody on Friday cautioned his team against taking Rajasthan Royals lightly in the absence of top players such as Jos Buttler and Ben Stokes in the opposition ranks. Hoping to inch closer to securing a playoff berth, Sunrisers Hyderabad will take on Rajasthan Royals in the Indian Premier League here on Saturday. “I wouldn’t say that they are a weakened side because if I lose players it also presents opportunities to those who are hungry. You cannot underestimating your opponent. The fringe players only need a lucky break to shine,” Moody said at the pre-match press conference. Also Read – We will push hard for Kabaddi”s inclusion in 2024 Olympics: RijijuThe former Australian all-rounder added: “Therefore, regardless of who has come and who has gone in Rajasthan’s line- up, we know that they are a dangerous side, and particularly at home.” SRH are placed fourth in the standings with five wins and as many losses, giving them 10 points, while the hosts are stuttering at the seventh position after seven defeats in 11 outings. Moody said: “It is a very important game for both teams, given that the middle of the table is very crowded. It is an opportunity for us to break away from that middle. Also Read – Djokovic to debut against Shapovalov at Shanghai Masters”We have four games left and have to win majority of those, most of the teams in the middle are in that position. We know that Rajasthan are coming off a win but they are also coming from back-to-back games, had a travel day today and have lost a few players to World Cup commitments.” He said the departure of Jonny Bairstow for England has opened the door for people like Martin Guptill. “Warner and Barstow have been performing well. But when the door closes, another one opens. It’s an opportunity for someone else to step in that batting position. “We haven’t finalised the eleven, whether Guptill plays or not is undecided. “For the past four weeks, he has been practicing on all sorts of surfaces at nets which are more often not as good as surfaces which are presented out in the middle. “He is prepared for any surface. He has prepared and preparing for that opportunity.”