Mortgages

Our operations worldwide have been neutral.

“Energy-efficiency actions account for about 10% of our carbon-emissions reductions, and our goal is to increase this percentage in the future,” says Hamza-Mansah. “We’ve retrofitted lighting, upgraded data centres, improved heating/cooling systems and introduced a new fleet policy to improve fuel efficiency. Pilot projects are also underway to assess initiatives that will further reduce our energy use, including flexible workspace scenarios, leadership in energy- and environmental design-certified building standards and rooftop renewable-energy generation on local branches.”
Last November, RBT became inaugural inves-tors in Greening Turkey, an emissions reduction fund launched by Greening Greater Istanbul. The fund, which is aimed at companies that are not required by regulations to reduce their carbon emissions, buys carbon-offset credits from green projects around the country and passes the credits on to the companies that invest in the fund. RBT has committed $10 million over five years. div>

Pricing strategies for your digital product.

Know the market, and price competitively. Complete a competitive analysis and assessment so that you know how others in the industry are pricing similar digital products. Then, price yours to position it against the competition. If your product offers exclusivity, bonus content or a value-add that competitors’ products do not include, consider pricing that's slightly higher or at least leverage the value-adds in your marketing messages. If your competitors offer similar products, consider how you can discount or incentivize with price without sacrificing your profit margins.
Offer tiered pricing. Tiered pricing is common in the SaaS realm. Customers are already familiar with typical tiered pricing models, and you can offer varying levels of service, information or access to the features of your product at different price points.
Let customers try before they buy. Nearly every company offering SaaS lets customers try before they buy. Most companies offer a 7-day, 21-day or 30-day free trial. Be sure to have an autoresponder in place that will automatically contact customers whose free trials are expiring to remind them to renew before the trial ends. Consider adding a special offer to those who do renew before the trial ends to make it easy for customers to say "yes" and buy the full subscription package.

A digital prescription for the pharma industry.

In order to make digital tools pay off across a complex value chain, pharma companies have to do a much better job linking data, analytics, workflow, and connectivity. The real value comes from integrating internal data smoothly across business functions and with external data systems. A handful of digital forerunners lead the way, developing integrated strategies, making smart use of real-world data, and investing in a great digital customer experience.
Big Data analytics, for example, helps pharma companies to harness real-world data to accelerate drug discovery while also providing valuable health economics and outcomes data for access, pricing, and safety. Bayer invested in generating real-world data for its anticoagulant Xarelto to address concerns about bleeding as a side effect. It used data from existing disease registries and funded new studies. The real-world trial of 6,784 patients showed 96 out of 100 subjects did not experience any major bleeding or related side effects, which helped convince payers to reimburse patients and accelerated the drug’s acceptance in the market.

What Planning Process Needs to improve your Business?

Use High-Impact Marketing Wasting money on ineffective marketing is easy. Seek out low-budget, high-impact marketing strategies to improve your small business. Test one or two new tactics and see which perform best before adding them to your marketing mix. Social media is an excellent low-cost and low-risk way to promote your business. LinkedIn, Facebook, Twitter, and Instagram are a few good tools to build a social presence and attract attention to your business.
Master Business Presentations A powerful business presentation can help improve your small business' performance. Start by learning the essentials of a memorable business presentation. These can include delivering an unexpected little pearl of wisdom to captivate your audience. That said, don't overload your presentation with information. Keep everything relevant.
Know Your Limits Successful business owners have a clear idea of their limitations. By knowing your entrepreneurial personality type, you can manage your resources and find help in areas of weakness. This is a key driver to success. For example, if you're great at sales but less experienced with bookkeeping, focus on sales and hire someone else to handle the books.

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