Tag: 夜上海论坛IT

  • The Amazon effect: Can credit unions survive their big threat?

    first_img 78SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Holly Fearing Holly lives and breathes social media; if you can’t find her IRL, try reaching out on Twitter, LinkedIn, Facebook or Instagram, and you’ll likely get her right away. … Web: www.filene.org Details One morning in mid-June, news broke that Amazon had struck a $13.4 billion deal to acquire Whole Foods Market, sending the $600 billion retail grocery industry into a tailspin.  As president of the board of directors of a grocery cooperative in Madison, and connected to a network of grocery retail consultants and professionals nation-wide, I saw the news and responses to it spread faster than an error-riddled Donald Trump tweet through political journalists’ feeds. How could we have not noticed that this digital superpower was planning to move into the space of brick-and-mortar grocery stores?Sound familiar credit unions? Have you been paying attention to the signal sounded by Square and their recent move to apply for an industrial loan company charter? Experts agree that this won’t be the last fintech to apply for a bank charter.The threats are symptoms; the disease is losing relevanceThe initial reaction in the grocery retail space was a bit of shock, then, like any sudden impact, taking a moment to assess the damage this would cause. The ripple of less obvious impacts rose to the surface quickly through online discussions, but no one quite knew what to do in those initial hours. There was immediate talk about what would become of United Natural Foods, Incorporated, or UNFI–the largest supplier of organic and natural foods in the United States and Canada. They get 30% of their business through Whole Foods. Grocery co-ops large and small rely on UNFI for supplying much of their natural and organic dry, refrigerated and frozen groceries at prices that allow them to compete. If Amazon were to restructure the way they receive and distribute food through Whole Foods storefronts, then the future of UNFI would be in doubt, potentially leaving co-ops without a supplier. Worse, Amazon could make a bid to purchase UNFI and charge loads more for product, over time squeezing out all their competition in the space.This is a threat to the grocery cooperative industry not unlike many looming threats that exist above the credit union industry. A lesson for credit unions to take in this example is that while this big shiny threat got a lot of attention, it contributed to leaders taking their eyes off of even bigger, potentially more damaging realities. It was a wake-up call for many.A bigger problem, for credit unions (and grocery cooperatives), is about losing relevance among consumers.It’s a marketing problem before it’s a leadership problemThis isn’t just a leadership-level issue. This is a marketing and communications issue, too. If you’re not involving your entire marketing team in the conversation about top threats it could be too late for you. Get them in the room right now. If a business loses marketplace relevance, it’s likely because of two things going wrong. 1) Either you’re not doing a good job delivering what people are asking for, or 2) You’re not doing a good job telling people you have what they want (or even better, they want what you have). It’s marketing’s job to do the latter. So, if your board and leadership teams aren’t working with marketing on threat scenario planning, you’re putting your entire organization at risk for when, inevitably, one of those threats comes to fruition. Proactive messaging through your marketing efforts can position you to survive likely threats. That’s why if you wait until it’s more than a communication problem, you’ve got a big problem. How credit unions can prepare for an ‘Amazon emergency’Make a list: Start with a SWOT analysis and focus on the T. Identify a list of all threats you can imagine likely for your credit union and the industryPrioritize it: Vet the list to make sure all functional areas (and outside resources) agree with what is on the list and align on what could potentially be the biggest 5 threats. To help prioritize, think about the severity of the risk of each threat—and remember that risk is likeness of the threat happening multiplied by the consequences of it happening.Identify your landscape: Set the stage for predicting and surviving threats by reading the context of what’s going on around us. Use PESTLE to identify the current Political, Economic, Social, Technological, Legal and Environmental trends and drivers. Run a scenario exercise:  What would be your immediate, mid- and long-term plan if any of your top threats came to fruition? Take a quick look at your balance sheet. How would each of those threats impact your key financial metrics? Finally, answer the question, “In this situation, why does my credit union matter?”We can’t predict the future and we can’t prevent these things from happening even if we could. Change is inevitable but it can be good for you if you are ready to change with change. The grocery cooperative industry looks bleak right now, but the financially-strong, well-cashed and large will survive. It’s likely that grocery cooperatives smaller than $4 million will not make it through these competitive times unless they do something bold. But those who make it will have learned a lot about surviving the next big threat.last_img read more

  • I feel very bad for late miss – Aubameyang

    first_imgArsenal striker, Pierre-Emerick Aubameyamg, was devastated after the Gunners crashed out of the Europa League against Olympiacos. “It was tough because they played very deep. It was hard to find the solutions in the final third. It was a really tough game and tough to find spaces.” Arsenal’s elimination from the Europa League will make qualification rto next season’s Champions League extremely difficult. Although a fifth-place finish in the Premier League may see a team qualify for Europe’s elite competition Arsenal are currently in ninth, four points behind Manchester United in fifth. Should Manchester City’s appeal against their two-year suspension from playing in continental tournaments be upheld Arsenal would have a seven-point gap to make up to Chelsea in fourth. Aubameyang knows that the odds are against them, but thinks if they can play well, they are in with a shot. Read Also:Barcelona,Inter ready Aubameyang offers “We will try to keep improving in the league and try to win as many games as possible and we will see,” he concluded. Arsenal are not in action this weekend in the Premier League, but have an FA Cup tie against Portsmouth on Monday, before playing West Ham on March 7. FacebookTwitterWhatsAppEmail分享 Promoted Content10 Risky Jobs Some Women DoThe Funniest Prankster Grandma And Her GrandsonThe Very Last Bitcoin Will Be Mined Around 2140. Read More20 Completely Unexpected Facts About ‘The Big Bang Theory’The Models Of Paintings Whom The Artists Were Madly In Love With9 Facts You Should Know Before Getting A Tattoo7 Ways To Understand Your Girlfriend Better7 Facts About Black Holes That Will Blow Your MindWhich Country Is The Most Romantic In The World?Who Is The Most Powerful Woman On Earth?Playing Games For Hours Can Do This To Your BodyWhat Happens To Your Brain When You Play Too Much Video Games? Loading… The Gabon international thought he’d won the tie for the London side after a sensational bicycle kick deep into stoppage time. However a characteristic defensive lapse allowed the Greek team to score in the 119th minute, and they won on away goals. The Gabon striker missed a gilt-edged chance to seal the tie, and that, plus the cruel nature of the defeat weighed on him after the game. “Very, very disappointing. What can I say? It is very, very hard. It was a tough game again,” the club captain told BT Sport. “The last-minute goal was, yeah, unlucky for us. That is it. “I don’t even know [how I missed that chance late on]. I feel very, very bad. It can happen but I do not know how I missed this chance. I was tired, I had some cramps but it is not an excuse.” Olympiacos proved a tough nut to crack over the two legs and Aubameyang admitted their defensive tactics had stifled Arsenal’s attacking talent, saying:last_img read more

  • West Ham agree Obiang deal

    first_img The 23-year-old is the first player to join the Irons since the announcement of Slaven Bilic as the east London club’s new manager on Tuesday. Obiang made 35 appearances for Sampdoria last season, scoring three goals as the Blucerchiati finished seventh in Serie A to qualify for the Europa League. Obiang is confident he can make a swift transition to the hustle and bustle of top-flight English football. “We have been talking about this for a long time and now I have finally got the chance to come here,” he said on the club’s official website, www.whufc.com. “I am very excited to play in the Premier League. “It is a style of football that will help me to progress as a player and as a person, so it will be very good.” While it is likely much of the work to bring Obiang to Upton Park was done before Bilic’s confirmed arrival, the player has every confidence the new manager can mould a team capable of holding its own. “I think Bilic is a manager that can do very well here,” said Obiang, who was at Atletico Madrid as a youngster before heading to Sampdoria aged 16. “I know that he was a West Ham player and he did a very well with the Croatian national team. “He is a manager that likes to play good football and I really like that, so I am sure that we will get along very well.” West Ham have confirmed the signing of Spain Under-21 midfielder Pedro Obiang from Sampdoria for an undisclosed fee. West Ham signed goalkeeper Darren Randolph from Birmingham earlier in the summer, with veteran Jussi Jaaskelainen among those named on the Premier League released list along with striker Carlton Cole and defender Guy Demel, who all follow former manager Sam Allarydce out of the Boleyn Ground. According to the press release announcing Obiang’s arrival, West Ham “are still hopeful they will be able to make several more signings before the new season gets under way”. Bilic has set his targets high for the club, who are set to move into the Olympic Stadium from the 2016/17 campaign. “The ambition is to try to be top 10, definitely and then improve on that,” he said. “Then, in the space of a few seasons, with the stadium and everything, with hype, with probably a little bit more budget, with good planning and good play, nobody can stop us dreaming of European places or if we have a brilliant season to try to break into the Champions League places. “To win a trophy, to win a cup. You have to believe in that to achieve it. “If you don’t believe in that then you’re definitely not going to do that. “It doesn’t have to be an obsession in a negative way. If you don’t believe it, who will believe it? “Where it’s going to take us I don’t know, but logically if you play well and you improve your squad, if your players are playing more compact and more fluid with the ball, it should get you up the league.” Bilic will have less time than usual to bed his new squad in, with West Ham set to kick off the first qualifying round of the Europa League on July 2, having won a place via the Fair Play table. The Irons also have pre-season fixtures scheduled against Peterborough, Southend, Colchester, and Charlton before taking on newly-promoted Norwich at Carrow Road on July 28. Press Associationlast_img read more

  • Stony Brook looks to sweep UMBC

    first_img Associated Press LEADING THE CHARGE: The versatile K.J. Jackson has averaged 13.4 points, 4.5 rebounds and 4.3 assists to lead the charge for the Retrievers. Brandon Horvath has paired with Jackson and is accounting for 10.5 points and 6.7 rebounds per game. The Seawolves have been led by Andrew Garcia, who is averaging 13.5 points and 6.9 rebounds.FACILITATING THE OFFENSE: Garcia has either made or assisted on 45 percent of all Stony Brook field goals over the last three games. Garcia has 14 field goals and 11 assists in those games.PASSING FOR POINTS: The Seawolves have recently used assists to create buckets more often than the Retrievers. Maryland-Baltimore County has an assist on 35 of 68 field goals (51.5 percent) over its past three contests while Stony Brook has assists on 29 of 56 field goals (51.8 percent) during its past three games.DID YOU KNOW: Stony Brook has attempted the second-most free throws among all America East teams. The Seawolves have averaged 19.1 free throws per game.___ March 2, 2020 Stony Brook looks to sweep UMBCcenter_img Share This StoryFacebookTwitteremailPrintLinkedinRedditStony Brook (19-11, 10-5) vs. Maryland-Baltimore County (14-16, 7-8)UMBC Event Center, Baltimore; Tuesday, 7 p.m. ESTBOTTOM LINE: Maryland-Baltimore County seeks revenge on Stony Brook after dropping the first matchup in Stony Brook. The teams last met on Feb. 1, when Maryland-Baltimore County made only six foul shots on 11 attempts while the Seawolves hit 16 of 22 on their way to an 11-point victory. For more AP college basketball coverage: https://apnews.com/Collegebasketball and http://twitter.com/AP_Top25___This was generated by Automated Insights, http://www.automatedinsights.com/ap, using data from STATS LLC, https://www.stats.comlast_img read more

  • Storify: Syracuse community reacts to loss at St. John’s

    first_img[View the story “Syracuse community reacts to loss at St. John’s” on Storify] Comments Related Stories Gallery: Syracuse takes on St. John’s at Madison Square GardenSyracuse misses too many shots in upset loss to St. John’sWhat we learned from Syracuse’s loss to St. John’sMalachi Richardson: ‘Shots will fall eventually, that’s what I’m here to do’ Published on December 13, 2015 at 2:08 pm Contact Sam: [email protected] | @Sam4TRcenter_img Facebook Twitter Google+last_img read more