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In the commoditized, competitive world of banking, where products and positioning jostle for space, pricing is a key differentiator, even a. Writing a communications strategy. Victoria Pearson, Senior Communications Planning Manager, PAD. Carolyne Categorise your audiences in relation to your situation How will you measure – and will it cost anything?. demand a relationship-oriented approach to marketing. Relationship building and mix and the Four Ps of marketing – product, price, place and promotion . respected marketing consultant and writer, concludes in a discussion about the.
The paper goes on to say that a poor pricing strategy will ultimately lead to lower profits and that ideally, relationship-based pricing should go hand-in-hand with innovation. For example, a customer with a bank account might be given a more favourable mortgage rate. The ease with which a bank can set these more personalised prices can be helped by a further strategy — the aggregation of accounts. This enables the bank to see the total customer relationship, which in turn enables it to offer the customer discounted prices as a reward for their loyalty in different areas.
Applying a relationship-based pricing strategy One of the difficulties of adopting a relationship-based approach to pricing is that it can be difficult to assess the true value of the relationship with the customer. The key to effective relationship pricing is that it should be applied holistically — and this in turn means that banks need a better understanding of their customers.
To understand a customer fully, a bank needs to able to look at different aspects of customer behaviour so that it can recognise, anticipate and influence it through personalised pricing.
Banks have a huge amount of customer information — but they need to choose and use the right data so that they can run analytical models that will enable them to develop the right pricing strategies. Finally, they also need to use dynamic pricing and agile strategies that are aligned to critical customer events and milestones such as buying a house or car or getting married. Unfortunately, most banks that are moving towards a relationship-based pricing approach only apply this strategy to specific products or occasions.
It defines a set of standard structure types and attributes that allow page content text, graphics, and images to be extracted and reused for other purposes.
Relationship Pricing - The Key to Valuing Your Customers? | Oracle The Financial Services Blog
It is intended for use by tools that perform the following types of operations: Simple extraction of text and graphics for pasting into other applications. Automatic reflow of text and associated graphics to fit a page of a different size than was assumed for the original layout. Processing text for such purposes as searching, indexing, and spell-checking. Making content accessible to people who rely on assistive technology.
Relationship Pricing - The Key to Valuing Your Customers?
PDF File Production and Accessibility PDF files may be produced either directly by application programs or indirectly by conversion from other file formats or imaging models.
In addition, tools exist for inspecting, checking, and repairing PDF files for accessibility. The following sections provide representative lists of applications and tools typically used for these functions. These notes do not, and cannot, provide an exhaustive list, nor do they endorse particular applications and tools.
PDF Techniques for WCAG 2.0
As with any software, application support for PDF accessibility will vary with different versions, with the formatting requirements of specific PDF documents, and with actual usage of the application. That is, the tools can be used properly to produce appropriate tags, etc. In general, newer tools will provide greater support than earlier ones. The tools' vendors are the source of authoritative information about their support for PDF accessibility. This direct approach is preferable, since it gives the application access to the full capabilities of PDF, including the imaging model and the interactive and document interchange features.
There are two principal indirect methods: A software component called a printer driver intercepts these calls and interprets them to generate output in PDF form. Although these indirect strategies are often the easiest way to obtain PDF output from an existing application, the resulting PDF files may not make the best use of the high-level PDF imaging model relied upon to expose the semantics of the document.
This is because the information embodied in the application's API calls or in the intermediate output file often describes the desired results at too low a level. Any higher-level information maintained by the original application has been lost and is not available to the printer driver or translator.
For example, since the printer driver or translator targets correct visual output, information about the semantics of the document may not be sent at all or may be ignored when creating the PDF output. As a result, headings may not be tagged as such, or link text may not be associated with its link object. Check with the vendor of any PDF authoring tool in order to understand how to use the tool in a way that produces the best tagged output.
Adobe FrameMaker - Desktop publishing application from Adobe Systems that directly exports tagged PDF and provides support for alternative text descriptions. Adobe InDesign - Page layout and desktop publishing application from Adobe Systems that directly exports tagged PDF and provides support for alternative text descriptions.
Adobe LiveCycle Designer - Windows-based forms design application from Adobe Systems that directly exports tagged PDF interactive forms and provides support for alternative text descriptions; can be invoked standalone or from within Acrobat Pro.
CommonLook Office provides tools to allow content authors to run accessibility tests in the Microsoft Word and PowerPoint environments and to remediate accessibility issues prior to conversion to PDF. Microsoft Office 10 - a suite of desktop office applications that creates tagged PDF.