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How to reduce friction in the member experience (and why it matters)

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first_img continue reading » Advancements in technology and changes in consumer expectations have prompted many a retailer, including more than a few credit unions, to redouble their efforts toward improving the customer experience.At conferences, during roundtables, and in strategic planning sessions with credit unions across the country, leaders at Callahan & Associates have noted several recurring themes that the firm has identified as opportunities for 2019. One of those themes: How can credit unions reduce friction in their member experience?Why Does Friction Matter?Members compare their credit union experience to all the unrelated, best-in-class service providers they interact with on a regular basis. When a member expects an Amazon-like experience, even the slightest perception of friction with the credit union can have a dramatic impact on the relationship. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Cirebon-Semarang industrial gas pipe construction kicks off after 14-year delay

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first_imgState construction firm PT Rekayasa Industri has begun building a 255-kilometer pipeline that will supply gas for industries between Cirebon, West Java, and Semarang, Central Java.Rekayasa Industri, known as Rekind, broke ground on the US$169.4 million project on Wednesday, 14 years after the company won a bid for the project in March 2006. The company had struggled to secure a reliable gas supplier but overcame the issue in partnership with oil and gas-related government agencies.“There is a big industrial client potential in West Java and Central Java,” said Rekind president director Yanuar Budinorman on Wednesday, adding that the pipeline project was expected to “support the competitiveness of industries on Java Island”. Building downstream gas infrastructure enables more households and industries to use Indonesia’s sizable gas reserves and it is very likely to become the country’s fuel of the future, replacing oil. Indonesia has a commitment to increase gas consumption to at least 22 percent of total energy consumption by 2025. Gas contributed 18 percent in 2018.Rekind said in a statement that it aimed to charge a $0.36 per million British thermal units (mmbtu) toll fee for channeling gas, slightly higher than the national average fee of $0.35/mmbtu. The pipe is able to accommodate between 350 and 500 million metric standard cubic feet per day (mmscfd) of gas.The Downstream Oil and Gas Regulatory Agency (BPH Migas), which sets national average toll fees and conducts pipe project bids, said it would next conduct a bid for a gas pipeline connecting Dumai in Riau and the Sei Mangkei Special Economic Zone in North Sumatra.“We will also work on pipeline project bids forwarded by various companies for 193 regions,” said BPH Migas head Fanshurullah Asa.Topics :last_img read more

LA Clippers, Utah Jazz rev up for playoffs with last regular-season meeting

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first_imgThe Clippers are 2-1 against the Jazz this season, but the Jazz won the most recent meeting when they buried 10 straight 3-pointers in the second half.“I can tell you if they do that again they’re going to win,” Rivers said.In the first two matchups, the Clippers won 88-75 and 88-72.That matchup involved multiple scuffles as well as technical fouls on J.J. Redick and Paul, the latter coming for shoving Gobert in the waning moments.“Last time, I thought we played well for I guess maybe three quarters or maybe two,” Blake Griffin said. “I don’t know. But obviously, we’re probably more than likely going to face them in the playoffs, so it’s good for momentum going into the playoffs.”The Jazz present an interesting matchup for the Clippers. Both teams are anchored defensively by traditional big men – DeAndre Jordan for the Clippers and Gobert – and feature hard-nosed veteran point guards.The Jazz’s biggest advantage is likely small forward Gordon Hayward, a first-time All-Star this season who leads Utah with 22 points per game. He missed the first game against the Clippers on Oct. 30, but on Feb. 13 the Clippers limited him to seven points on 2-of-12 shooting.In the matchup two weeks ago in Salt Lake City there were no such struggles. Hayward poured in 27 points, shooting 9 of 18, including 4 of 7 from 3-point range.“They’re long,” Jamal Crawford said. “They pretty much have good size at every position when you look at it.” “Yeah,” Rivers said, “it’s going to be chippy — from this point on, with everybody.”The postseason matchup isn’t quite the certainty it seemed to be on March 13, when the Jazz beat the Clippers, 114-108, at Vivint Smart Home Arena in Utah. Oklahoma City (41-30) has surged into the picture and currently is tied with the Clippers (43-30) in the loss column, but has played two fewer games.With nine games remaining, however, it’s still the most likely scenario.If the Clippers can beat the Jazz today/on Saturday they will move to within a half-game of the fourth seed in the Western Conference.“I don’t know what to say about that half-game stuff,” Chris Paul said. “I just know we need to win.” Clippers coach Doc Rivers acknowledges that Saturday’s showdown with the Utah Jazz qualifies as a “big game,” but not for the obvious reasons.“I think they’re all big now, not just because of the standings,” Rivers said. “They’re all big because we’ve had injuries all year. We haven’t had a chance to get right, to get going, so we have to view every game as preparation. We can’t take one game off. We have to look at every game as preparation.”Preparation, of course, for the likely scenario that they face Utah in the first round of the playoffs.The teams’ last meeting ended with Chris Paul shoving Jazz center Rudy Gobert and becoming entangled with the 7-foot-1 defensive stalwart, an exchange that seemed to set the tone for any future meetings.center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

England Golf welcomes world handicap plan

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first_img19 Apr 2017 England Golf welcomes world handicap plan England Golf has welcomed plans unveiled today to develop a single World Handicap System for the sport. The USGA and The R&A have announced they are working with golf’s handicapping authorities to develop a universal system which will apply all over the world. Firm proposals will be made later this year. Currently there are six different systems around the world, providing handicaps for over 15 million golfers in more than 80 countries. Handicaps reflect a player’s skill and mean golfers of different abilities can play and compete together on equal terms. England Golf Chief Executive Nick Pink said:  “We are delighted by today’s announcement and fully support this plan, which recognises that golf is a global game. Simplifying the system is very good news for golfers and will increase their enjoyment in the sport and, hopefully, encourage many more players to get a handicap and play regularly.” The announcement follows an extensive review of existing handicap systems administered by Golf Australia, the Council of National Golf Unions (CONGU) in Great Britain and Ireland, the European Golf Association (EGA), the South African Golf Association (SAGA), the Argentine Golf Association (AAG) and the United States Golf Association (USGA). Golf organisations from different parts of the world have also been engaged with the current handicap authorities for the past two years to help shape the proposed system, which takes into account the many different golf cultures and most common formats of play. Research conducted to date has also reviewed systems and best practices inherent to handicapping, such as course rating and administration. A joint committee led by the USGA and The R&A has been formed, including representatives from each handicap authority as well as the Japan Golf Association and Golf Canada. The joint committee plans to announce its proposals later this year. Martin Slumbers, Chief Executive of The R&A, said, “We have been concerned for some time that many golfers find the handicapping landscape to be complicated and can be frustrated when it is not always applied in the same way in different parts of the world. “We are working closely with the existing handicapping bodies to benefit from their insights as we try to formulate a system that will be easy to understand and can be applied consistently on a global basis. We very much appreciate their support for this initiative.” Mike Davis, Executive Director and CEO of the USGA, said, “One wonderful aspect of golf that separates it from other sports is the ability of players of differing abilities to play on an equitable basis through handicapping. With one global system, golf courses will be rated and handicaps calculated in a like manner everywhere in the world. Reducing borders or barriers to provide an easy way for all to play together is great for the game and golfers everywhere.” Bob Carrick, Acting Chairman of CONGU, said: “The Council of National Golf Unions welcomes the R&A/USGA’s initiative to develop a single Worldwide Handicapping System for the sport. We think that this is an exciting opportunity for standardising the system and for more players to obtain an official handicap. We will be delighted to work closely with other handicap authorities to ensure a smooth implementation.” Frequently Asked Questions answered by the R&A and USGA What are the key objectives of this initiative? To unify 6 different handicap systems into a single World Handicap System that will: • enable golfers to play and compete anywhere around the world on equal terms • be easy to understand and implement, without sacrificing accuracy • meet the needs and expectations of golfers, golf clubs and golf authorities all around the world. Why would this be a good change? Each of the existing handicap systems is well received in the areas where it operates. However, because they all calculate handicaps differently, the result can be players of the same ability having different handicaps. A World Handicap System would mean that a handicap of 6.0 in Lima should be the same as a handicap of 6.0 in both London and Los Angeles. What are the other benefits of a World Handicap System? As the world becomes a smaller place with a much greater frequency of international play, we believe that the game of golf will benefit from a unified handicap system, where handicaps are portable from country to country. It would result in less confusion, easier administration of international events and, potentially, it could allow national associations more opportunity to focus attention on golf development and strategic planning to support the game. A single world handicap system would also provide the opportunity to aggregate data to help ensure the game remains healthy. Where are the existing systems currently used around the world and how do they differ? The attached map and tables show the current handicapping landscape around the world and compares the key components of each system. When did work on this project begin? During The Open Championship at Royal St Georges in July 2011, The R&A and USGA met informally with the other handicap authorities to put forward an embryonic idea of a world handicap system and to ascertain whether there was any interest in pursuing this initiative. That meeting marked the inception of the project, and progress has been steadily gathering pace since that time with the following key milestones: • May 2012 – first formal meeting between The R&A, USGA and the handicap authorities • April 2013 – presentation by USGA’s CEO and Executive Director, Mike Davis, at The R&A’s Working for Golf Conference. • March 2016 – Joint Committee structure established and operational.   Why is The R&A involved? Prior to 2011, The R&A had no direct involvement in handicapping matters since the 1920s, and its role in this project began as an independent facilitator. However, as discussions continued, it was recommended that a World Handicap System be positioned under the USGA/R&A governance umbrella along with the Rules of Golf, the Equipment Rules and the Rules of Amateur Status. The R&A has since formed a handicapping department to help facilitate this governance function along with the USGA and will do so together throughout the world. The day-to-day management of handicapping will continue to be the responsibility of individual national associations and handicap authorities. Is it possible to have one identical handicap system the world over? It is true that there are variations in how golf is played around the world and it is not our intention to try to force a cultural change in the way that golf is played. Through collaboration with national associations around the world, the goal is to try to accommodate those cultural differences within a single World Handicap System. Does the project have the support of National Associations around the world? A series of briefing sessions was conducted all around the world in 2015, which aimed to cover as many National Associations as possible. The reaction was very positive. It is also worth stressing that the work that is being done to develop a World Handicap System is very much a collaborative effort and all of the National Associations who are directly involved in the process are very supportive of the initiative. When will details of the proposed new system be made available? After additional collaboration around the world, we plan to share the details of the World Handicap System later in the year. Why are you saying something now? We wanted to make a short statement at this time, to jointly confirm that this project is moving forward and to allow National Associations to begin to communicate with their constituents. As the project continues to receive support, preparations for change will be required everywhere around the world, which requires time. Until now, the project has been treated as confidential, and messaging has been restricted primarily to National Associations. This communication will also serve as notice that further details will be forthcoming later in the year. What is the timeline for implementation? Details of the proposed timeline will be made publicly available later in the year, but the proposed World Handicap System will not be implemented before all the necessary consultation, testing and education has been carried out and the necessary infrastructure has been put in place. What will the system be called? It is proposed that the Rules of Handicapping and the Course Rating System together will be jointly referred to as the World Handicap System (WHS). Have you consulted with golfers on this proposal? Until now, consultation and feedback has been mostly restricted to National Associations. However, we will be embarking on a communication effort with golfers and handicap administrators during the summer of 2017. Does this have impact on the current technology infrastructure? While the installation of a World Handicap System will invariably impact upon the different technology systems and structures currently in use around the world at various levels, it is hoped that any disruption will be kept to a minimum. We aim to develop a cohesive and cost-efficient structure which, at the very least, provides a smooth transition. Image © Leaderboard Photographylast_img read more

Woods tops $100 million in earnings

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first_img“The purse increase helps,” Woods said after a final-round 66 left him two strokes behind winner Rory McIlroy in the second week of the four-tournament FedEx Cup playoff. “I won fewer tournaments than Sam Snead has, but obviously he was in a different era. It’s just that we happened to time it up right and happened to play well when the purses really had a nice spike up.”Snead, the career leader with 82 PGA Tour victories, earned just $620,126 in a career that started in 1937. His biggest prize was $28,000 for a second-place finish in Milwaukee in 1968, and for most of his prime he played in tournaments with a total purse—that’s all the payouts combined—of less than $100,000.Woods has won 74 tournaments, second all-time, including 38 times with a first prize of $1 million or more. His winnings come out to an average of $362,276.89 for each of his 277 career starts.But it’s not just good timing: Prize money skyrocketed on the PGA Tour after Woods went pro and brought huge crowds and television audiences to the sport.“It was nice to have a nice start to my career, and I won some majors early,” he said. “I think we got some interest in the game of golf. A lot more youth, that’s for sure.”This weekend’s Deutsche Bank paid out $8 million, including the $1.44 million that went to McIlroy for his third victory of the year.By finishing strong—he was in the 60s in all four rounds—Woods remains in contention for the $10 million FedEx Cup bonus, which he has won twice. That money isn’t even included in his official career earnings, nor is the hundreds of millions he has collected in endorsements. $100 MILLION MAN—Tiger Woods watches his shot from the 11th tee during the Pro Am round of the Deutsche Bank Championship golf tournament at TPC Boston in Norton, Mass., Aug. 30. (AP Photo/Michael Dwyer) NORTON, Mass. (AP)—Tiger Woods has become the first $100 million man on the PGA Tour.Woods finished third in the Deutsche Bank Championship on Monday to earn $544,000 and push his career total to $100,350,700. Next on the list is Phil Mickelson—more than $30 million behind at $66,805,498 after finishing fourth at the TPC Boston.last_img read more