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youDevise Forms Subsidiaries in New York & Hong Kong To Support

Previously, Ms. Tse held sales and marketing positions with BFO, a software firm, based in the UK, and IBM Internet Security Systems (NASDAQ: ISSX). Simon Ellis, head of Global Business Development for the TIM, was named in charge of the New York City subsidiary.

In addition, Rikolv Hatlehol-Desai was named Senior Manager for Client Support and Account Management in London. Mr. Hatlehol-Desai most recently was a relationship manager for ITG's (NYSE: ITG) Transaction Cost Analysis product in London, and previously was an account manager for AlphaMetrics. Prior to joining FactSet in 2004, Mr. Hatlehol-Desai was an investment banking analyst in the Debt Capital Markets division of BNP Paribas.

"We are pleased to have such an expert team to help continue expansion of the TIM around the world, for our growing number of clients in North America and Asia, and our growing base in the UK and Europe," said Colin Berthoud, Director of youDevise. more

BofA moving cash group to Boston

The bank's Boston-based investment-management division, Columbia Management Group, hired Paul Quistberg this year from mutual-fund company Putnam Investments to lead the cash group. The unit has run into problems during the credit crunch, with a group of money-market funds it manages suffering losses.

Money-market funds are designed to give consumers and institutional investors a place to put their money and earn a higher return than a savings account but with minimal risk. The typically invest in low-risk securities such as Treasuries and commercial paper.

Money-market funds attempt to keep their shares stable at $1, with only the yield rising or falling. While it's rare, those shares may fall below $1, or "break the buck," if the fund's investments do poorly, and investors can lose money. more

After the UEFA Cup Final trouble, is the disruption to business

We have entertained and worked with these fans for years while they pour millions into our businesses and the local economy. As for the unfortunate UEFA Cup situation, Manchester to my knowledge has not experienced this severity of crowd trouble before and will not do again. We would be potty if we allow this one-off incident to affect all that this sporting community has built and worked for. Jason Hiley, coporate finance partner at PKF. Yes: I think that hosting sporting events, such as this, is a good thing for Manchester - helping to keep it on an international stage. The additional revenue that the various shops, bars and restaurants yielded would have been very lucrative, especially for a midweek afternoon. I don't really see that many businesses saw much disruption - especially in the professional services sector. more

Kenya: Small Businesses Find Convenience in M-Pesa

A significant number of small businesses that were previously cut from the techno savvy e-banking services provided by most commercial banks have now turned to electronic money transfer through the one year old M-Pesa service offered by Safaricom.

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China SAIC Motor to offer 8 bln yuan 3-year bills

Wednesday it would issue up to 8 billion yuan ($1.2 billion) of three-year corporate bills to fund expansion and repay loans taken out by subsidiaries.

The company will make an initial issue of 4 billion yuan of bills, it said without elaborating. A shareholders' meeting has been called for June 17 to approve the plan.

SAIC also said it would provide a guarantee enabling its 51.33 percent-owned South Korean subsidiary, Ssangyong Motor Co (003620.KS: Quote, Profile, Research), to extend for another year a $200 million working capital facility provided by two major Chinese banks. ($1 = 6.95 Yuan) (Reporting by Rujun Shen; Editing by Keiron Henderson)

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Top E Commerce Business Model News

E Commerce Business Model

Niagara business leaders and local politicians were left scratching their heads Friday after the federal government's economic statement failed to offer a stimulus package for a Canadian economy heading into a recession. "I don't understand it. All ...

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Feds' non-spending raises local doubts - Niagara Review

NEW YORK (Associated Press) - A major European business lobby in Japan urged the world's second-largest economy to eliminate barriers to goods, people and capital and shed its protectionist tendencies to deepen economic ties with Europe. Together ...

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Business leaders urge more Japan-EU economic ties - CNN Money

Food banks report spike in needy on Thanksgiving 11.27.08 Not-so-jolly economy brings woe to Santa's lap 11.27.08 Online coupon sites see sharp rise in visitors 11.27.08 Gift certificates for birth control? Foes say bah! 11.27.08 Traffic to Web sites ...

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More Business - San Francisco Gate

SAN FRANCISCO (MarketWatch) -- For the millions of American taxpayers wondering why the federal government is pouring billions of dollars into the financial system, look no further than Deere. , , ) , whose plows and tractors frame 170 years of ...

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Credit crunch hits Deere - Marketwatch

Mountain View (CA) - Google announced that it will close its Lively experiment by the end of the year. The web-based portal launched in July, making it one of the shorter Google experiments. “It has been a tough decision, but we want to ensure that ...

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Google to shut down Lively - TG Daily

The sales have been coming steadily and with steep discounts over the past several weeks, but retailers are expected to eclipse these efforts on Black Friday , the official kickoff to the holiday season, retail experts said. Holiday sales forecasts ...

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Retailers reduce prices to attract customers - Newsday

the Largest Growth Financings in European e-Commerce in 2008 BERLIN , November 25 /PRNewswire/ -- With its third round financing, brands4friends, whose membership base grew to more than 1.2 million within 15 months has negotiated one of the largest ...

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Record Financing: More Than 10 Million Euros for brands4friends.com - MSN MoneyCentral

Sitting on the back of a 1928 Model A Ford all dolled up for the 1949 Stampede Parade was a revolutionary cone-shaped hot water heater invented by Inglewood resident Edgar Wenger. The basic technology lives today in the equally revolutionary systems ...

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Business heating up for reborn technology - Calgary Herald

The October Business After Hours, held Oct. 23 at the CHA Center, allowed Crossville-Cumberland County Chamber of Commerce members to network — making new contacts and renewing previous ones — but it also allowed something else: to "Get a Jump on ...

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October Business After Hours kicks off Shop Crossville First - Crossville Chronicle

Jerusalem----November 21..... The largest, most powerful delegation of business leaders and governmental officials ever to visit Israel from China arrived in Tel Aviv today. The China delegation, which will be touring Israel for four days, came at ...

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Questions others have asked about E Commerce Business Model

Resolved Question: A friend of mine proposed I start a blog and he be the web developer. What's a reasonable split for profits?

I have no idea how much time it takes to write a blog versus creating, maintaining, and editing it (keeping up with and implementing the latest developments in internet technology and the blogosphere). My friend says he has 10 years of experience with web development and could provide all of the "internet marketing, e-commerce, blogging, search engine optimization, web application development, social networking, social media optimization, graphic design, interface design, copywriting, etc." He proposed splitting the profits from ads, affiliate links, etc. 50/50 and letting me keep 100% of the profits I get from referrals for my private counseling business, but 50/50 feels too high. What do you think is a reasonable percentage split of profits? Would you recommend splitting profits, or having some other business model (flat fee, hourly pay, etc.)? And any suggestions on how to fashion a prearranged buyout agreement in case we decide to split ways in the future so I can retain the site?  more

Resolved Question: Vision/ Scope?

Vision/ Scope E-Commerce is a panacea to expand a business beyond the boundaries. Huge revenue can be generated by providing services or products in international market. Many successful businessmen used E-Commerce strategies to expand business activities to get maximum share in international market. There are many examples of successful businesses in Pakistan like US Apparel, Guard Rice etc. who expanded their business gradually and now they are pioneers in their business. If one student becomes able to implement such type of activity, he will create many opportunities for other graduates. Because when one graduate gets a job, he becomes able to afford at most one family only and on the other hand, if one graduate starts business successfully, he becomes source of earning for many families. Students would be asked to give an idea of products or services in which they are agreed to get excel in future. Further, the students can be asked to analyze a current system (company or an organization) to identify its problems and providing them the e-business \ e-commerce solutions to participate the globalization After the successful completion of the course, the students should be able to implement e-commerce strategy in both ways like: 1.Implementation of new business idea with comprehensive international market analysis with respect to culture, language, trust building, economic position, demand of any product or service (remember: 70% new ideas fail due to lack of market analysis) 2.Expansion of old or existing business by E-Commerce to get benefits of globalization and international market share to generate huge revenue from business. Remember: Competing the international market is not a child’s play; it requires a comprehensive market analysis, compliance with the international standards and any business man can get benefit from fulfilling any unmet need of the inhabitants of any country. This is possible via E-Commerce. Further, it should be taken into consideration what we can produce in Pakistan easily with low cost. We can enlist the products like leather, cotton, furniture, rice, wheat, soft ware, towels, socks, vegetables, fruit, shoes, books, paper, gifts, flowers, toys, jeans, dresses, shawls, man power etc. Also, we should keep in mind what we should import from abroad like machinery, vehicles, electronics etc. Project Deliverables There will be four deliverables of this project. Template of 1st deliverable is given below and other deliverables will be uploaded from time to time along with their comprehensive templates for your complete guidance. 1st Deliverable: You are required to submit a proposal about the implementation of E-business/ E-Commerce solution in a new idea of any product / service OR About analyzing any existing system with respect to its transformation into E-commerce \ E-business solution You are given a choice of choosing a new idea or an existing system. Therefore, two different templates of proposals are provided you for better understanding. Note: Existing system means any company or an organization which is doing its business manually Proposal Template for New Idea 1.Proposal containing idea and feasibility a.Description of idea (in one paragraph) i.What is your Idea? ii.Idea is product based or service based iii.Feasibility study w.r.t budget, time, technology availability b.Importance of idea (in one paragraph) i.Business value ii. Revenue generation iii. Market share iv.Exposure v.Growth in future perspectives c.Target market / customers (in one paragraph) i.User type ii.Cultural issues w.r.t target customers iii.Languages issues regarding target customers iv.Legal issues w.r.t product or services v.Political perspectives vi.Trust building vii.Answering the below Questionnaire by market analysis These questions will enhance your understanding and knowledge of your target market and industry, and ultimately determine: Is there a need for my product or service? •What defined market am I trying to reach? •What specific companies are servicing this market? oAre they successful? oAre there other companies servicing this market with a similar product? oAre they successful? oWhat is their market share? •Is the market saturated or wide open? If so, why? •What is the size of the market? oIs it a growing market? oIs the industry stable, volatile, growing or trendy? •How can I reach this market? oHow do my competitors reach the market? •What are the business models of my competitors? •What do customers expect from this type of product or service? •What core competencies must the product or service have? •What are customers willing to pay for this type of product or service? •What is my competitive advantage? d. Cost Benefit Analysis (CBA) e. Payback Period f. Rational /Summary OR Proposal Template for Existing System 1. Proposal about the solution of identified problem in existing system d.Problem description found in the system and solution proposed i.What was the problem? ii.Severity of problem iii.Impact on the current working system iv.Solution proposed v.Feasibility study w.r.t budget, time, technology availability e.Importance of solution (in one paragraph) i.Business value ii. Revenue generation iii. Market share iv.Exposure v.Growth in future perspectives f.Target market / customers (in one paragraph) i.User type ii.Cultural issues w.r.t target customers iii.Languages issues regarding target customers iv.Legal issues w.r.t. product or services v.Political perspectives vi.Trust building vii.Answering the below Questionnaire w.r.t market analysis These questions will enhance your understanding and knowledge of your target market and industry, and ultimately determine: Is there a need for my product or service? •What defined market am I trying to reach? •What specific companies are servicing this market? oAre they successful? oAre there other companies servicing this market with a similar product? oAre they successful? oWhat is their market share? •Is the market saturated or wide open? If so, why? •What is the size of the market? oIs it a growing market? oIs the industry stable, volatile, growing or trendy? •How can I reach this market? oHow do my competitors reach the market? •What are the business models of my competitors? •What do customers expect from this type of product or service? •What core competencies must the product or service have? •What are customers willing to pay for this type of product or service? •What is my competitive advantage? d. Cost Benefit Analysis (CBA) e. Payback Period f. Rational /Summary NOTE: Please you get practical experience of market in this regard and chose a product or service which has potential need into the current international market and then proceed in accordance with the instructions provided in the deliverable. Further, you can chose any already running system of an organization regarding purchasing, selling, trading etc. and analyze it and identify the problems and propose an E-commerce\ E-business solution.  more

Resolved Question: Acompany selling parts to NASA is using which e-commerce business model?

a. B2B, B. B2G. C. C2C. D. B2C  more

Resolved Question: plz help meee???

have to comment on this website plz help me in this? www.dell.com.au You are required to write a critical report on the evaluation of the prescribed Web sites for a business manager. The report should be 2,500–3,000 words, excluding appendix, references, footnotes and/or bibliography. You should determine your evaluation criteria (approximately 30-40 criteria) on the e-Commerce site principles and models discussed in the prescribed text, readings and information gained from your research. In the determination of the criteria, you may consider the types (groups) of the evaluated sites. You may also categorise your criteria. The report is expected to identify the strengths and weaknesses present in the sites, and analyse and compare how closely the sites adhere to your predetermined criteria. The report should make recommendations to management for the design and development of an e-Commerce site for the business. These recommendations are aimed at development of a more successful e-Commerce site than the firm's competitors.  more

Voting Question: i have to comment on this website plz help me in this?

www.dell.com.au You are required to write a critical report on the evaluation of the prescribed Web sites for a business manager. The report should be 2,500–3,000 words, excluding appendix, references, footnotes and/or bibliography. You should determine your evaluation criteria (approximately 30-40 criteria) on the e-Commerce site principles and models discussed in the prescribed text, readings and information gained from your research. In the determination of the criteria, you may consider the types (groups) of the evaluated sites. You may also categorise your criteria. The report is expected to identify the strengths and weaknesses present in the sites, and analyse and compare how closely the sites adhere to your predetermined criteria. The report should make recommendations to management for the design and development of an e-Commerce site for the business. These recommendations are aimed at development of a more successful e-Commerce site than the firm's competitors.  more

Voting Question: How much do you think booking buddy gets paid everytime you press on each link??

Where can i find out more about internet business models and or how to make a internet business plan that does not involve e- commmerce? It is because everytime you try to find info there is only for e-commerce .  more

Resolved Question: What should Freedom Lovers Do ??

How can one combine professional life with the advancement of liberty? Of course it is presumptuous to offer a definitive answer since all jobs and careers in the market economy are subject to the forces of the division of labor. Because a person focuses on one task doesn't mean that he or she isn't great at many tasks; it means only that the highest productive gains for everyone come from dividing tasks up among many people of a wide range of talents. So it is with the freedom movement. The more of us there are, the more we do well to specialize, to cooperate through exchange, to boost our impact by dividing the labor. There is no way to know in advance what is right for any person in particular. There are so many wonderful paths from which to choose (and which I will discuss below). But this much we can know. The usual answer—go into government—is wrongheaded. Too many good minds have been corrupted and lost by following this fateful course. If often happens that an ideological movement will make great strides through education and organization and cultural influence, only to take the illogical leap of believing that politics and political influence, which usually means taking jobs within the bureaucracy, is the next rung on the ladder to success. This is like trying to fight a fire with matches and gasoline. This is what happened to the Christian right in the 1980s. They got involved in politics in order to throw off the yoke of the state. Twenty years later, many of these people are working in the Department of Education or for the White House, doing the prep work to amend the Constitution or invade some foreign country. This is a disastrous waste of intellectual capital. It is particularly important that believers in liberty not take this course. Government work has been the chosen career path of socialists, social reformers, and Keynesians for at least a century. It is the natural home to them because their ambition is to control society through government. It works for them but it does not work for us. In the first half of the 20th century, libertarians knew how to oppose statism. They went into business and journalism. They wrote books. They agitated within the cultural arena. They developed fortunes to help fund newspapers, schools, foundations, and public education organizations. They expanded their commercial ventures to serve as a bulwark against central planning. They became teachers and, when possible, professors. They cultivated wonderful families and focused on the education of their children. It is a long struggle but it is the way the struggle for liberty has always taken place. But somewhere along the way, some people, enticed by the prospect of a fast track to reform, rethought this idea. Perhaps we should try the same technique that the left did. We should get our people in power and displace their people, and then we can bring about change toward liberty. In fact, isn't this the most important goal of all? So long as the left controls the state, it will expand in ways that are incompatible with freedom. We need to take back the state. So goes the logic. What is wrong with it? The state's only function is as an apparatus of coercion and compulsion. That is its distinguishing mark. It is what makes the state the state. To the same extent that the state responds well to arguments that it should be larger and more powerful, it is institutionally hostile to anyone who says that it should be less powerful and less coercive. That is not to say that some work from the "inside" cannot do some good, some of the time. But it is far more likely that the state will convert the libertarian than for the libertarian to convert the state. We've all seen this a thousand times. It rarely takes more than a few months for a libertarian intellectual headed for the Beltway to "mature" and realize that his or her old ideals were rather childish and insufficiently real world. A politician promising to defang Washington later becomes the leading expert in applying tooth enamel. Once that fateful step is taken, there are no limits. I know a bureaucrat who helped run martial law in Iraq who once swore fidelity to Rothbardian political economy. The reason has to do with ambition, which is not normally a bad impulse. The culture of Washington, however, requires that ambition work itself out by paying maximum deference to the powers that be. At first, this is easy to justify: how else can the state be converted except by being friendly to it? The state is our enemy, but for now, we must pretend to be its pal. In time, the dreams are displaced by the daily need to curry favor. Eventually the person becomes precisely the kind of person he or she once despised. (For Lord of the Rings fans, it's like being asked to carry the ring for a while; you don't want to give it up.) I've known people who have gone this route and one day took an honest look in the mirror, and didn't like what they saw. They have said to me that they were mistaken to think it could work. They didn't recognize the subtle ways in which they themselves were being drawn in. They recognize the futility of politely asking the state, day after day, to permit a bit more liberty here and there. Ultimately you must frame your arguments in terms of what is good for the state, and the reality is that liberty is not usually good for the state. Hence, the rhetoric and finally the goal begin to change. The state is open to persuasion, to be sure, but it usually acts out of fear, not friendship. If the bureaucrats and politicians fear backlash, they will not increase taxes or regulations. If they sense a high enough degree of public outrage, they will even repeal controls and programs. An example is the end of alcohol prohibition or the repeal of the 55 mph speed limit. These were pulled back because politicians and bureaucrats sensed too high a cost from continued enforcement. The problem of strategy was something that fascinated Murray Rothbard, who wrote several important articles on the need for never compromising the long-run goal for short-term gain through the political process. That doesn't mean we should not welcome a 1 percent tax cut or repeal a section of some law. But we should never allow ourselves to be sucked into the trade-off racket: e.g., repeal this bad tax to impose this better tax. That would be using a means (a tax) that contradicts the goal (elimination of taxation). The Rothbardian approach to a pro-freedom strategy comes down to the following four affirmations: 1) the victory of liberty is the highest political end; 2) the proper groundwork for this goal is a moral passion for justice; 3) the end should be pursued by the speediest and most efficacious possible means; and 4) the means taken must never contradict the goal—"whether by advocating gradualism, by employing or advocating any aggression against liberty, by advocating planned programs, by failing to seize any opportunities to reduce State power, or by ever increasing it in any area." Libertarians are not the first people who have confronted the question of strategy for social advance and cultural and political change. After the Civil War, a large part of the population of the South, namely former slaves, found themselves in a perilous situation. They had a crying need to advance socially within society, but lacked education, skill, and capital. They also bore the burden of pushing social change that permitted them to be regarded as full citizens who made the most of their new freedom. In many ways, they found themselves in a position somewhat like new immigrants but with an additional burden of throwing off an old social status for a new one. The Reconstruction period of Union-run martial law invited many blacks to participate in politics as a primary goal. This proved to be a terrible temptation for many, as the former Virginia slave Booker T. Washington said. "During the whole of the Reconstruction period our people throughout the South looked to the Federal Government for everything, very much as a child looks to its mother." He rejected this political model because "the general political agitation drew the attention of our people away from the more fundamental matters of perfecting themselves in the industries at their doors and in securing property." Washington wrote that "the temptations to enter political life were so alluring that I came very near yielding to them at one time" but he resisted this in favor of "the laying of the foundation of the race through a generous education of the hand, head and heart." Later when he visited DC, he knew that he had been right. "A large proportion of these people had been drawn to Washington because they felt that they could lead a life of ease there," he wrote. "Others had secured minor government positions, and still another large class was there in the hope of securing Federal positions." As it was in the 1870s it is today. The state chews up and either eats or spits out those with a passion for liberty. The extent to which W.E.B DuBois's Marxian push for political agitation has prevailed over Washington's push for commercial advance has been tragic for black Americans and for the whole of American society. Many obtained political power, but not liberty classically understood. We can learn from this. The thousands of young people who are discovering the ideas of liberty for the first time ought to stay away from the Beltway and all its allures. Instead, they should pursue their love and passion through arts, commerce, education, and even the ministry. These are fields that offer genuine promise with a high return. When a libertarian tells me that he is doing some good as a procurement officer at HUD, I don't doubt his word. But how much more would he do by quitting his job and writing an expose on the entire bureaucratic racket? One well-placed blast against such an agency can bring about more reform, and do more good, than decades of attempted subversion from within. Are there politicians who do some good? Certainly, and the name Ron Paul is the first that comes to mind. But the good he does is not as a legislator as such but as an educator with a prominent platform from which to speak. Every no vote is a lesson to the multitudes. We need more Ron Pauls. But Ron is the first to say that, more importantly, we need more professors, business owners, fathers and mothers, religious leaders, and entrepreneurs. The party of liberty loves commerce and culture, not the state. Commerce and culture is our home and our launching ground for social reform and revolution  more

Resolved Question: A company selling parts to nasa is using which e-commerce business model?

Before anyone says read the book, do your own homework, blah blah... Please help! I have been looking over this course for a while and I know that the answer is either b2b or b2g. I just cannot figure out if Nasa is considered government or business in this situation. The list of answers they give are... A. b2b B.c2c C. b2g D. b2c My guess is business to government, but I am looking for reassurance. Thanks in advance to all help!!  more

Resolved Question: Anyone know of the best e-commerce business model?

I'm looking to start an e-commerce site and I need clarification on the process from start to finish in terms of getting the product to the consumers. Are there any websites out there that give upstarts on how to deliver?  more

Resolved Question: What constitutes an E-Commerce business model?

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Resolved Question: E-commerce?

what is the two popular e-commerce sites that are having the same business model? which web site is more profitable in the long run?  more

Resolved Question: Legal Question on E-commerce?

Details of the Project: Basically, my web site will allow users to Buy and Sell products online where I will charge for people who POST their Items on my web site. I will be platform to connect this people but will not be party to the Buyer-Seller transaction. Any Buyer can contact Seller directly after getting the Seller Details from my web site and proceed their business. I have three legal questions : --Is it possible for me to change Business model after some time ??? Initially allowing users to post items FREE on web site for 1 year and then later Charge for any postings. my target market is mainly U.S and also few more countries in Europe and I prefer to operate from India. Does Server location matters (India or U.S). And which Law I should abide in case of any dispute --Can I have HQ located outside U.S and still deal business in other countries and manage legal aspects? --And Also on Tax, which country should I file Tax. (Head Office country or Transcation countries  more

Resolved Question: E Commerce......?

I have to write a Report about E Commerce. Therefore i want some details regarding the following. 1. History,current status and future trends 2. Tools and technologies that support e commerce based business models. 3. Major issues and challanges in implementing eCommerce business models. 4. Real world example where eCommerce has been successfully used and the factors that contributed to its success. Example for business models has been failure and the reasons(Atleast one example for each) Note: I'm also trying to get the answers. If you know write it to me. For contact: mail2nibras@gmail.com Better if you tell me about the challanges, Future trends and examples of some place where it successfully used and failed.  more

Resolved Question: What is the relationship between 911 and Saddam?

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Resolved Question: How should I model Amazon.com value added chain?

What should I include in the value-added chain (VAC) of Amazon.com or other E-commerce business process?I'm using Aris software. What is the purpose of modelling the VAC? Thank you very much for any help  more

Resolved Question: please give details about the business and revenue model and the management of a web based travel portal?

how to develop content, develop e commerce business and web promotion of internet business  more

Resolved Question: Do my homework part 1?

1. List and describe the four types of “Commerce” models in use today. 2. List the main e-Business models. (5) 3. What is the difference between a durable good and a non-durable good? 4. Which of these goods do you think consumers purchase online? 5. Define channel conflict. 6. Why do you think e-Business models develop a channel conflict? 7. What is the goal of being in business? 8. Define revenue model. 9. Describe the six revenue models. 10.Define business model. 11.What is a pure-play model? 12.What is a bricks and clicks model (also called click and mortar)? 13.Explain the B2B model. 14.List characteristics of the B2B model. 15.What is EDI? (Think back to e-Commerce I or search for it.) 16.Define Extranet. 17.List and explain the three types of net markets. 18.Why would a business use net markets? 19.List characteristics of successful B2B companies. 20.Explain the B2C model.  more
Top E Commerce Business Model Search Links
E-commerce business models (in Business > E-commerce @ iusmentis.com)

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A number of business method patents relevant to e-commerce have been granted. But what is new and novel as a business model is not always clear.

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Creating Value Through E-Commerce Business Models by Knowledge@Wharton, the online business journal of the Wharton School. Knowledge@Wharton covers research in Finance, Strategic ...

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