Capital One Case Study Essay Example for Free

Capital One Case Study Essay 1. What is Capital One’s business and who are their competitors? Capital Ones business deals with a bank financial servicing company. They specialize specifically in banking, credit cards, home loans, auto loans and savings products. Capital One was founded by Richard Fairbank and Nigel Morris in 1988. Fairbank highly focused on the marketing and customization of credit card use and information. The company is very analytical and is very technological when gathering data information. They were basically put together centering around the idea of technology within the company itself. Some of their direct competitors would be against Bank Of America, American Express and Barclay’s bank. 2. What is their strategy to grow profitably and compete? Give examples. Capital One was put together with technology right at the core of their business. This makes them different from their competitors since most other companies had a business model first before technology was every involved. The technological part of their company is very important since they use it to analyze and comprehend their customers characteristics such as credit risk. This is basically their way of improving customer service and to increase profitability. Fairbank developed a data machine that was able to access a customer risk factor from each product as well as detect fraud. At Capital Ones point of inception, the online communication was making its way in our society so the company focused on highly internet marketing. This strategic action lead to 2.5 millions customers signing up as this online banking systems was the new and improved way to make payments. 3. How do they use information to implement their strategy? What kinds of information do they use and where does it come from? They vastly use their information system and technology to help during day to day activities. Their main use of this information is to analyze customer data and make appropriate suggestions and choices regarding their marketing strategy. They implement many â€Å"tests† and have used their idea of diving up their customer population by segmenting their data. This was a success and was a high profit for capital one. This lead to their improvement of customer relationships since they had vast information of them and had technology that could easily access and identify their customers through a digital fingerprint. This company focuses on personal information from their customer base to make decisions and access which one of them will be able to pay them back after a loan. One of the ways capital one has access this information is through the post offices file and other checking agencies as well. Capital one basically takes information from any pertinent source that can provide then with reliable data. 4. List and describe the information technologies used to support their strategy? Information-based strategy company focuses on high credit risk\low credit risk this helps them comprehend their customers data and to make sure that their choices are made with those people who are actually going to pay them back their information-based system collects and analyzes the information which helps them market to their customers as it attracts various aspects of customers needs Data Warehouse Mining Infrastructure this is to support their information based system while having shared communication between different branches Their offices in UK and US can have clearly make accurate decisions since they can both have access to each others database Trillium Software This software analyzes their customer data with such intelligence that it is used to help them with final decision making It is also used for customer service support 5. Describe their notion of a â€Å"scientific test†. Contrast this approach to product development and launch with a more traditional approach that a manufacturing company might use. Capital Ones scientific test was used with their software to collect test data information while enhancing the data they already had as well. They used this software to analyze and collect information from potential customers. They conducted over 45,000 tests at one point which helped them comprehend customer information while identifying any fraudulent activity as well. They grew every day and had millions of customer signed up online at the end. Capital One had a great relationship with their IT department since technology was part of its core competencies. Fairbank even allowed anyone to propose an idea for a test if it was profitable looking enough. This showed that the company wanted to involve each and every employee to work with them on their marketing strategy. The process for product development occurs when an idea is started, to the design and then with the actual product being manufactured and engineered. Capital One way of working with this process involves having their marketers research and access the information and data to understand their customers tendencies and preferences. A more traditional approach that a manufacturing company may use is having Capital One is started with a strict business model and then having to computerize it later on. Everything is first manually done and analyzed in this case. The technology and use of software would be used later on in terms of Capital Ones informational strategies.

Comparing and Contrasting Relationships in Their Eyes Were Watching God

Comparing and Contrasting Relationships in Hurston’s Novels, Their Eyes Were Watching God and Seraph on the Suwanee In Their Eyes Were Watching God and Seraph on the Suwanee, Zora Neale Hurston creates two protagonists, Janie and Arvay, and depicts their rich relationships with Tea Cake and Jim, respectively. This brief paper compares these two women and their interaction with their husbands. Contrasting the similarities of these relationships helps underscore deeper themes that Hurston draws from two ostensibly different women. Tea Cake and Jim bear substantial resemblance to each other. They both carry a rather unsavory reputation around their towns, they both woo their new wives aggressively; they even take care of their women with occasional recourse to illegal improprieties such as liquor distilling and gambling (although they tend to spend their profits quite differently). Both men reduce to child-like behavior in key moments of affection with their wives; Tea Cake favors having his head in Janie’s lap, while Jim prefers his head resting on Arvay’s breast. Perhaps most crucially, both men exhibit communication and behavior that make their wives frantic with jealousy and fear. Jim, in his teasing of Arvay, and Tea Cake in his long absences, especially right after his marriage to Janie in Jacksonville, make their respective wives boil over with internal anguish. Janie and Arvay respond to their men in similar ways as well. Both women swing from extremes of doubt and distrust to passionate, all-encompassing love for their husbands. Moreover, both women reconfigure themselves to adjust to the man’s world, as when Janie moves to the Everglades with Tea Cake, and when Arvay goes out to sea with Jim on his fishing b... ...her silent thoughts and how they pulled her away from her love for Logan and Jody, now those same silent thoughts preserve Tea Cake for her in perpetuity. And in Seraph on the Suwanee, Jim’s departure allows Arvay to realize the chasm between her and her past, and in so doing, realize that her struggles portray a woman destined to be a caregiver. For both Janie and Arvay, inner turmoil is quelled into a role that reconciles both themselves and their relationship with their men. And, perhaps most remarkably, this idealization of their partners persists despite – indeed, is even enhanced by – the fact that both women see their former love interests, those who came before Tea Cake and Jim, as now standing on cracked or even shattered pedestals. Both Janie and Arvay in the end take comfort in their new-found roles and those men who best compel them to adopt these roles.

Reasons Women Live Longer Than Men

Reasons why women live longer then men It is an accepted fact of life that men enjoy certain physical advantages over women. Men are stronger, taller, faster and less likely to be overweight, but they have then tendency to die before their female counterparts. Their date rate is higher than women in many different societies. Women, as a group, live longer than men. In all developed countries and most undeveloped ones, women outlive men, sometimes by a margin of as much as 10 years. In the U. S.   life expectancy  at birth is about 79 years for women and about 72 years for men. The gender discrepancy is most pronounced in the very old: among centenarians  worldwide, women outnumber men nine to one. The gender gap has widened in this century as gains in female life expectancy have exceeded those for males. The death rates for women are lower than those for men at all ages–even before birth. Although boys start life with some numerical leverage about 115 males are conceived for every 100 females. Their numbers are preferentially whittled down thereafter. Just 104 boys are born for every 100 girls because of the  disproportionate rate of spontaneous abortions, stillbirths and miscarriages of male fetuses. More boys than girls die in infancy. And during each subsequent year of life, mortality rates for males exceed those for females, so that by age 25 women are in the majority. The reason women live longer than men can be explained from a biological, psychological and social view point. There are physiological, psychological and social factors that can account for longevity of women. The reason women live longer than men is because they have better cardiovascular endurance, they have two x chromosomes which further delays aging, men are more engaged in risky behaviors that can cause death, and another reason is that men are more likely to die from depression women. Women have an advantage over men in terns of cardiovascular endurance; disease such a heart attack and stroke are less likely to affect women than men. Woman develop these diseases later in life at about their 70s and 80s while on the other hand male normally get these types of disease about ten years younger in their 50s and 60s. A woman’s heart can become more active than men. A major contributor to biological age  is one’s heart activity; when the heart is more active and  healthier a person’s biological age can be reduced  because of how the heart is still working in a proper way. A woman’s heart tends to be more active primarily because of how the menstruation process causes the heart to exercise and to work at a greater level. One proposed reason for this is the menstruation process which causes a woman’s heart to become active by the release estradiol hormone in the woman’s body during the process. Estradiol will work to give the woman’s heart a greater amount of energy because this is an especially powerful form of estrogen that can cause her heart to be more active. It is more powerful than other types of estrogen that can be found in a woman’s body. Because of the workout that is given to the heart during the menstruation period the heart will be able to work at a better rate and as a result to help with getting one’s biological age reduced. Another reason for the delay in cardiovascular disease in women is that women are relatively iron deficient in comparison to men. This is due to the loss of blood during menstruation; it is especially active in young females. Iron play a very active role in reaction within our cells that produce damaging free radicals which attach unto the cell membrane and DNA, and may translate into aging the cell. A second possible reason for why women live longer than men is the difference in genetic make up. The existence of a second X chromosome in women while men have an X and a Y chromosome is a proposed reason for the longevity of women. When there is damage caused to the cell variations, women have back-up chromosome variations that men do not have. The assumption is that since men only have one X chromosome, they have a greater chance of aging more rapidly. Chromosomal differences between men and women may also affect their mortality rates due to diseases. Chromosomes carry genetic mutations that cause a number of life-threatening diseases, including muscular dystrophy and hemophilia. Because women have two X chromosomes, a female with an abnormal gene on one of her X chromosomes can use the normal gene on the other and thereby avoid the expression of disease even though she is still a carrier of the defect. Men, in contrast, have one X chromosome and one Y chromosome, and so they cannot rely on an alternative chromosome if a gene on one of the sex chromosomes is defective. If a man has a defect in this gene, his body's ability to repair the mutations that arise during cell division could be severely compromised. The accumulation of such mutations is thought to contribute to aging and disease. The second X chromosome as a longevity factor in and of itself. Although one of the two Xs is randomly inactivated early in life, the second X seems to become more active with increasing age. It may be that genes on the second X activates and compensate for genes on the first X that have been lost or damaged with age. A third reason for the mortality rate be higher for males is the fact that men are more likely to engage in risky life-threatening behavior thus raising the mortality rate among them. While this is a more social reasoning it can be explained using biological terms. The male specie experience what is known as â€Å"testosterone storm† in their late teens and 20s. At this stage the level of this hormone is in high quantity and it induce some dangerous behavior and bring out an aggressive nature in men. Some male dominated sports such as drag racing, motorcycling, sky diving, mountain climbing and even boxing are dangerous sports that have caused death of the participants. They may also engage in reckless behavior such as smoking, abusing alcohol, poor dieting and driving without a seat belt. These reckless behavior can cause death in the long run by death or immediately by accidents. The homicide rate of men is much higher than that of females. Men are more involved in violent and illegal activities that most of the time result is death due to violence. Such activities include scamming, drug dealing, gang involvement, gun trafficking, among others. In Jamaica murder is one of the leading cause of death for men in early adulthood, and some of the time these victims are perpetrators of this same crime. As the saying goes â€Å"live by the gun, die by the gun†. A forth and final reason is that men are more likely to die from depression that females. Depressing is higher among male that females. While many females will go to seek help for their depression, male are more reluctant to actively seek help from a counselor or even a friend. They would prefer to keep it inside and they may hold the motion that as long as it is not visible then its fine. Many men are harboring emotional distress and torment that cause depression. Depression and grief and affect one's health and further cause death. Depression can lead to suicide; men are more likely to die from attempted suicide than females. This is because male tend to use more fatal methods to carry out the action, for example, a woman would probably try to kill herself by overdosing on pills or medication while a man would jump off a ten story building. Overdose of pills can be remedied if detected early enough but if when a person jumps off a building there is no turning back or pause, they are heading at full speed ahead to the ground causing immediate death. In conclusion, the mortality rate for men is higher at all ages than female; it is almost as if women have a natural adaptation for survival. There are biological, psychological and social reasoning for this phenomenon which are hormonal difference, difference in genetic make up, psychological healthiness and the social on look on risk taking and dangerous activities.

Getting to Yes! Book Report Essay - 4520 Words

Getting to YES, Negotiating Agreement Without Giving In is an excellent book that discusses the best methods of negotiation. The book is divided into three sections that include defining the problem, the method to solve it, and possible scenarios that may arise when using these methods. Each section is broken down into a series of chapters that is simple to navigate and outlines each of the ideas in a way that is easy for any reader to comprehend. There are also several real life explanations for each issue that make the concepts easier to apply and understand. These ideas are reflective of a method developed by the Harvard Negotiation Project called â€Å"principled negotiation†. This method combines the two ideas of soft and hard negotiation†¦show more content†¦These include perception, emotion, and communication. Perception focuses on understanding the other side’s thought process and putting on their shoes to understand their point of view on the negotiati on. This is often difficult as you are commonly defending your own standpoint but must be done in order to make sense of what is and is not an acceptable deal. The best way to do this is to step back and look at the issue objectively as if you were not involved. Emotion is also an important trait to be aware of as a healthy mindset promotes healthy negotiation. If both parties have a strong emotional attachment to the issue, the are more likely to battle one another than to work together to solve the problem. In order to support emotions, consider all of them as legitamate and try to be understanding of the other parties issues. Also, do not react to emotional outbursts as emotions on one side can often generate emotions on the other side and both parties may lose focus of the overall goal. Lastly, communication must be supported between both parties and should focus on talking to, hearing, and understanding the other party (Ury, 1981). It is important to speak to the other party in a way that is easy to understand and not send mixed messages. Say what you mean and mean what you say. Also, hear the other party’s concerns and actually focus on them without dismissing them to address your own needs. Also, be sure that allShow MoreRelatedBook Summary: Getting to Yes by Roger Fisher and William L Ury1843 Words   |  7 PagesOverview of the Book Getting to Yes was originally written in 1981 by Roger Fisher and William L. Ury. The book is subtitled Negotiating agreement without giving in. The book is a handbook on the concept of principled negotiation, taking an American perspective on the issue of negotiation. The book has been highly successful, and widely read in the business community. Getting to Yes focuses on the authors philosophies about negotiation, and putting those philosophies to practical usage. 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