Balance of Payments:Theory and Economic Policy Robert Stern
as Internet und die digitale Revolution verändern Gesellschaft und Wirtschaft im beispiellosen Ausmaß. Auch im Bereich der Finanzdienstleistungen wird dieser Trend sichtbar: ´´FinTechs´´ drängen mit innovativen (Online-)Services auf die Retailmärkte und geben traditionellen Geschäftsbereichen völlig neue Impulse. Bislang unerfüllte Kundenerwartungen werden befriedigt, zugleich werden neue Kundenwünsche geweckt. Schlagworte wie Social Banking, Mobile Payment, Personal Finance Management und Crowdfunding stehen beispielhaft für diese Entwicklung. Etablierte Anbieter von Finanzdienstleistungen stehen vor der strategischen Frage, welche Innovationen wirklich zukunftsträchtig sind und welchen Weg sie in diesem anspruchsvollen Umfeld künftig beschreiten wollen. Im Mittelpunkt des Buches ´´Finanzdienstleister der nächsten Generation´´ stehen daher die Fragen: Wie sehen die Kundenpräferenzen in den Finanzdienstleistungsmärkten von morgen aus? Welche innovativen Produkt- und Leistungsangebote gibt es heute und wie positionieren sich neue Anbieter? Wie können etablierte Finanzdienstleister den Weg in die digitale Welt erfolgreich beschreiten? Welche Zukunftsperspektiven haben innovative Finanzdienstleister mit ihren digitalen Prozess- und Geschäftsmodellen? Als wissenschaftlich fundiertes und gleichzeitig praxisorientiertes Kompendium bietet das Buch einen konkreten Nutzen für Entscheider aus dem Finanz- und IT-Sektor sowie für Investoren, die sich für den FinTech-Markt interessieren. Angesprochen werden sowohl Leser aus der Internetbranche als auch Banken und andere Finanzdienstleister, daneben Ratingagenturen, Venture Capitalists, Seed Financiers, Business Angels, Consultants, Headhunter, Wissenschaftler und Wirtschaftsjournalisten.
1306 - A week before Lady Rose Munro is to wed a neighboring laird, she is abducted on the road by a wicked and dangerously handsome stranger. Highland warrior, Malcolm Montgomery has been ordered by King Robert the Bruce to steal Rose and her son from the suspected traitor she is about to marry-gifting him with an ancient and much sought after dagger as payment. Rose shouldn´t trust her captor. Shouldn´t feel her body heat at his simple touch, or allow him to press his fervent lips to hers… Malcolm shouldn´t be seducing the woman he is sworn to protect. Shouldn´t desire her, for she´s not meant to be his… Succumbing to passion threatens them both, and falling in love is absolutely not an option. **This novella was previously published in the CAPTURED BY A CELTIC WARRIOR anthology.**
What secrets does the inner earth contain? In this new suspenseful novel, we are introduced to game designer Kevin Ralston. He thinks that his game about wars involving Lemuria and Atlantis in the Earth´s inner core are simply fantasies. However, when a mysterious organization attempts to recruit him - first with payments, then with threats - he begins to question whether there is more to all this than he ever suspected. 1. Language: English. Narrator: Robert Lee Wilson. Audio sample: http://samples.audible.de/bk/acx0/023916/bk_acx0_023916_sample.mp3. Digital audiobook in aax.
Through the Fires is a triumphant comeback story in life and business. Robert Carr reflects on decades of struggle that took him to the brink of financial ruin at age 50. Carr would later make a fortune in the card payments industry only to lose almost everything in 2009 after one of the most devastating data breaches ever. Carr´s story is a vulnerable and honest depiction of holding on and staying true to the values that in the end became pillars that supported the turbulent times and allowed him to break through more than once to thrive in both business and life. This is a message of hope for aspiring young people just starting out in a career, the seasoned professional, and everything in between. Listeners will cheer out loud for the way Carr shapes culture and fosters employee respect, incentive, and growth and how that impacts motivation, productivity, and, most importantly, loyalty! 1. Language: English. Narrator: Sean Pratt. Audio sample: http://samples.audible.de/bk/gdan/001733/bk_gdan_001733_sample.mp3. Digital audiobook in aax.
1306 – A week before Lady Rose Munro is to wed a neighboring laird, she is abducted on the road by a wicked and dangerously handsome stranger. Highland warrior, Malcolm Montgomery has been ordered by King Robert the Bruce to steal Rose and her son from the suspected traitor she is about to marry—gifting him with an ancient and much sought after dagger as payment. Rose shouldn´t trust her captor. Shouldn´t feel her body heat at his simple touch, or allow him to press his fervent lips to hers… Malcolm shouldn´t be seducing the woman he is sworn to protect. Shouldn´t desire her, for she´s not meant to be his… Succumbing to passion threatens them both, and falling in love is absolutely not an option. **This novella was previously published in the CAPTURED BY A CELTIC WARRIOR anthology.** 1. Language: English. Narrator: Anne Flosnik. Audio sample: http://samples.audible.de/bk/acx0/065866/bk_acx0_065866_sample.mp3. Digital audiobook in aax.
Profitable digital magazine.Electronic publishing has resulted in the gradual growth of digital libraries, containing research materials, online articles, and literary works.Revenue models for online magazines:Responsive advertisingJust as in printed magazines, your clients can also advertise in online magazines. However, the responsiveness of ads must be taken into account. Ensure that ad campaigns for responsive ads communicate the same message on all devicesYour online magazine will show if your ad has been viewed on a PC, tablet, or cell phone. You can also measure how many people have seen your ad or have clicked on it and how many conversions have occurred. This data will help you determine the ROI for your ads. In addition to measurability, a digital advertisement can contain lots of multimedia content (such as videos or music) or a personalized call-to-action.Native advertisingNative advertising is a form of advertising through sponsored or branded content. Publishers and multimedia corporations enter into innovative partnerships with brands and must ensure creative and relevant content.Display advertisingYou can use display banners to let external parties advertise in your magazine. Online banners are a logical step in creating a revenue model.Subscription serviceIt is possible to let people pay for online content through subscriptions. However, you must be able to show that there is enough added value for which there are few or no alternatives available. This will be harder for more general news, but there are definitely opportunities in ‘niche’ or specialized markets.FreemiumFreemium is a business model that offers part of an article or content for free, but that requires payment to access all content. This premium content is exclusively available to subscribers.Lead generationAn advantage 1. Language: English. Narrator: Robert Plank. Audio sample: http://samples.audible.de/bk/acx0/144398/bk_acx0_144398_sample.mp3. Digital audiobook in aax.
I have been a property investor for over 18 years and I am here to help you solve the puzzle of property investment. My original intent in creating this book was to provide a guide for members of my family and close friends. By listening to this book, they will be better equipped to navigate the property market without relying on the expertise of outsiders who are often motivated by their own personal goals. I wanted those who are close to me to receive excellent advice from someone who has their best interests at heart, coupled with a wealth of experience and a proven track record of successfully investing in the property market through several differing economic climates. After much contemplation, I realized that this book could also be of huge benefit to other people who wish to learn about property investing, to start investing or to improve their results from property investing. This realization led me to write this book for a much wider audience. My goal is to help individuals gain more awareness about this industry and ultimately achieve their own definition of success. One of my main objectives is to help others avoid mistakes that could stunt their growth in the property industry. When I started out, I also needed guidance so I sought the help of others but there was no one I could trust or who had the knowledge to show me the best path to take. When taking out my very first mortgage I was advised by the lender´s mortgage advisor to take out an endowment mortgage based on his assessment of my appetite for risk. Endowments were described to me as a savings pot and when making mortgage payments you would pay the interest on the loan and also pay an amount in to the pot that would be invested into steadily growing shares that would pay off the mortgage quicker than a repayment mortgage under normal circumstances. 1. Language: English. Narrator: Robert LIndsell. Audio sample: http://samples.audible.de/bk/acx0/059264/bk_acx0_059264_sample.mp3. Digital audiobook in aax.
Alan Sacket is about to be promoted to vice president of sales for Lamberts, a mega store chain. Despite his large sales increase, Sackett is fired as the stock market plummets in 2008. Alan Sackett´s huge salary had supported his burgeoning debts. His debt swells with his income gone and payments due on his hotel suite, several vehicles, a six-figure boat, and mountain condo. He makes a deal with a notorious loan shark, Roscoe, to minimize his debt while he looks for work. Alan flies to Barclay, Idaho, where he spent a summer at age 10, to sell his late aunt´s general store. He meets Soonie, his 10-year-old friend from that summer. Soonie´s situation and Alan´s love for her and the small-town clash with opposing forces. His plan involves the town, Soonie, and Roscoe´s demand for the entire loan. 1. Language: English. Narrator: Robert P. Fitton. Audio sample: http://samples.audible.de/bk/acx0/087249/bk_acx0_087249_sample.mp3. Digital audiobook in aax.