The financial services industry rapidly transformed in 2020 as Covid-19 accelerated the growth of fintech and the adoption of digital banking services. Industry observers say the progress of digital adoption, typically carried out over five years, took place in a short space of 10 months during this period.
Today, fintech is becoming a central part of the country’s financial services sector. Going forward, even more digital financial services, mostly provided by fintech, can be expected in the post-pandemic new normal as the business community moves to meet growing demand from digital natives and smartphone users in Malaysia and its regional neighbours.
Initiatives and programmes by the government and regulatory bodies, implemented in 2020, are also rapidly accelerating an ecosystem of innovation — a prerequisite if the country is to become a leading digital economy by 2030.
According to the Fintech Malaysia Report 2021, RM460 million worth of mobile banking transactions were conducted in 2020, a 125% jump compared to 2019. The usage of e-wallets also reached new highs, with three million new mobile banking service subscribers in 2020, while 400,000 new businesses registered for QR code payment acceptance, a jump of 164% from the preceding year.
Rapid adoption of digital finance can also be seen across other fintech segments such as alternative financing and cryptocurrency trading. This pace of adoption is expected to pick up when Bank Negara Malaysia grants five digital banking licences in the first quarter of 2022. As many as 40 parties are reported to have registered their interest in applying for this licence…
The Edge Markets, 31 August 2021.
QUESTION 1
a.
Based on the above article, Covid 19 has accelerated the growth of fintech and had a positive impact on the financial industry. Discuss FIVE (5) benefits of fintech in the financial services sector.
b)
Many prominent fintech companies face various issues and challenges. Explain any FIVE (5) challenges faces by fintech industry.
(Total 20 marks)
Answers
a) Five benefits of fintech in the financial services sector:
1. Enhanced Accessibility: Fintech has improved access to financial services, particularly for underserved populations.
digital platforms and mobile apps, individuals can easily access banking, payment, investment, and insurance services, regardless of their location or traditional banking relationships.
2. Cost Efficiency: Fintech solutions often operate with lower overhead costs compared to traditional financial institutions. This enables them to offer more competitive fees, lower transaction costs, and attractive interest rates. Customers can benefit from cost savings and increased value for their financial transactions.
3. Innovation and Customization: Fintech fosters innovation by leveraging technology advancements such as artificial intelligence, big data analytics, and blockchain. This enables the development of personalized and tailored financial products and services. Customers can enjoy more flexible, convenient, and customized solutions that cater to their specific needs.
4. Improved Financial Inclusion: Fintech has the potential to address financial inclusion gaps by reaching unbanked or underbanked individuals and small business . Through digital platforms, these previously excluded populations can access basic banking services, microloans, and insurance coverage, fostering economic growth and empowerment.
5. Streamlined Processes: Fintech solutions automate and digitize complex financial processes, reducing paperwork, manual errors, and processing time. This leads to faster and more efficient transactions, whether it's opening a bank account, making payments, or applying for loans. The streamlined processes improve customer experience and increase operational efficiency for financial institutions.
b) Five challenges faced by the fintech industry:
1. Regulatory Compliance: Fintech companies often operate in a heavily regulated environment. Adhering to various regulatory frameworks, such as anti-money laundering (AML) and know-your-customer (KYC) requirements, can be complex and time-consuming. Staying compliant while innovating poses a challenge for fintech firms.
2. Security and Privacy: As fintech deals with sensitive financial data, ensuring robust security measures and protecting customer privacy is crucial. Cybersecurity threats, data breaches, and fraud risks are significant challenges that fintech companies must address to build trust among users and maintain the integrity of their platforms.
3. Scalability and Sustainability: Fintech startups face the challenge of scaling their operations and sustaining growth. Rapid expansion can strain resources, impact service quality, and increase operational risks. Maintaining financial stability, managing increasing customer demands, and securing long-term profitability are ongoing challenges for fintech firms.
4. Customer Trust and Adoption: Fintech companies often encounter resistance from customers who are reluctant to embrace digital financial services due to concerns about security, privacy, or lack of familiarity. Building trust, educating customers, and promoting the benefits of fintech services are crucial to driving adoption and overcoming skepticism.
5. Competition and Collaboration: Fintech operates in a highly competitive landscape, not only among other fintech startups but also with traditional financial institutions. Collaboration with incumbents can be challenging due to differing business models and resistance to change. Balancing competition and collaboration while carving out a unique market position is a key challenge for fintech companies.
Overall, while fintech offers significant benefits, it also faces complex challenges that require strategic planning, regulatory compliance, security measures, and efforts to build trust and adoption among customers and industry stakeholders.
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Related Questions
in order to avoid managerial conflicts of interest to reject favorable investment, which measure should be used to evaluate the performance of an investment center manager? npv eva the payback method roi
Answers
In order to avoid managerial conflicts of interest to reject favorable investment, the measure that should be used to evaluate the performance of an investment center manager is Economic Value Added (EVA).
Economic Value Added (EVA) is one of the modern and widely used methods of performance measurement for organizations. EVA is defined as the difference between the cost of the capital that has been used and the actual profits gained by the organization from their investments. The calculation of EVA involves subtracting a capital charge, the opportunity cost of capital, from the Net Operating Profit After Taxes (NOPAT) generated by the investment.
Hence, EVA focuses on both the profitability of the investment and the cost of capital required for that investment.The EVA approach addresses the issues of traditional accounting by incorporating the cost of capital and also it provides a framework for assessing management's performance. It is an effective measure of the economic value that has been created by the organization from the capital invested by shareholders. Therefore, EVA measures not only the financial value added by an investment but also the economic value created by the investment.
Return on Investment (ROI)ROI measures the efficiency of the capital investment made by the organization. ROI is a widely used method to evaluate the financial performance of an investment center manager. ROI can be calculated by dividing the operating income by the invested capital.
ROI = (Operating Income / Invested Capital) × 100
The advantage of using ROI is that it is a simple and straightforward method to calculate. Also, it is a good way to compare the performance of investment centers of different sizes and with different types of investments.Net Present Value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows. NPV is used to evaluate the profitability of a proposed investment or project. NPV calculates the net gain or loss from the investment, which makes it easier to determine the feasibility of the investment.
Present Value (PV) of cash inflows - Present Value (PV) of cash outflows = NPV
The payback method is a simple and widely used method to evaluate the performance of an investment center manager. The payback method calculates the time taken by the investment to recover the initial investment. The advantage of using the payback method is that it is easy to calculate and understand. The disadvantage of using the payback method is that it ignores the time value of money and does not consider the profitability of the investment.
Risk-Adjusted Return on Investment (ROIAR) is a measure of investment performance that takes into account the risk involved in the investment. ROIAR uses a hurdle rate that reflects the level of risk associated with the investment. The hurdle rate is calculated by adding a risk premium to the cost of capital. The risk premium reflects the additional return required by investors to compensate for the risk involved in the investment.
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Which of the following is a true statement?
A
If your credit score is high, you won't have to repay money you owe.
B
You can access your credit report for free once every month.
C
A landlord can access your credit report to decide if you are financially responsible.
D
Your credit score can never increase, only decrease.
Answers
Answer:
c good luck with the answer
A small grocery store buys its produce from a local farm that operates as a sole
proprietorship. Which of the following might be a concern to the grocery store
management? (1 point)
The supply of produce could suddenly cease with the death or
incapacitation of the farm owner.
The complex nature of a sole proprietorship increases the likelihood
that a shipment of produce will be late.
The quality of the produce is likely to be lower than the produce of
competing firms with different business structures.
As a sole proprietorship, the farm will likely go bankrupt.
Answers
Answer:
The supply of produce could suddenly cease with the death or incapacitation of the farm owner.
Explanation:
I took the quiz and got the question wrong. That does make since though.
Answer:
The answer is D: The supply of produce could suddenly cease with the death or incapacitation of the farm owner.
Explanation:
I just took the test!
A baby cow (known as a calf) is born with a weight of 62 pounds. The calf
gains 2. 5 pounds per day in weight. Using this information, write a linear function for the weight of the calf,
w, as a function of the days, d, since it was born
Answers
The linear function for the weight of the calf, w, as a function of the days, d, since it was born can be represented as:
w = 62 + 2.5d
In this equation, 62 represents the initial weight of the calf at birth, and 2.5 represents the weight gained per day. By multiplying the number of days, d, by the weight gained per day (2.5) and adding it to the initial weight (62), we can calculate the weight of the calf at any given number of days since its birth.
For example, if we want to find the weight of the calf after 10 days, we can substitute d = 10 into the equation:
w = 62 + 2.5 * 10
w = 62 + 25
w = 87
Therefore, after 10 days, the weight of the calf would be 87 pounds.
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You buy a watch that costs $45.50. The tax on the watch is 7.5%. What is the final cost?
Answers
Answer:
$48.9125
Explanation:
7.5% of 45.50 is 3.4125
3.4135+45.50=48.9125
in general, value-creating diversification of general electric under jack welch was group of answer choices economies of scope market power financial economies brand loyalty
Answers
Value-creating diversification of General Electric under Jack Welch was achieved through economies of scope, market power, financial economies, and brand loyalty. These mentioned strategies can reduce overhead and create additional revenue streams. Economies of scope refer to the cost savings that can be achieved when a company expands into a related market.
Market power is the ability of a company to influence the market through pricing and marketing strategies. By controlling a larger share of the market, GE was able to increase profits and maintain a competitive edge.
Financial economies are achieved when a company takes advantage of borrowing and investing opportunities to generate additional returns on capital. This allowed GE to reinvest and increase profits.
Brand loyalty is the result of a company's long-term commitment to its customers. GE was able to gain a loyal customer base by focusing on delivering quality products and services. By combining these four strategies, Jack Welch was able to successfully create value for GE through diversification.
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Which of the following factors assist employers in determining employee pay rates? (You may select more than one answer. Single click the box with the question mark to produce a check mark for a correct answer and double click the box with the question mark to empty the box for a wrong answer. Any boxes left with a question mark will be automatically graded as incorrect.)check all that applyEmployee ageIndustry benchmarksEmployee skillCompany location
Answers
Employee skill, industry benchmarks and company location are all factors that can assist employers in determining employee pay rates.
Employee skill is a key factor in determining pay rates as an employer will generally pay a higher rate to someone who has more experience or specialized knowledge in a certain field.
Industry benchmarks can also play a role in determining pay rates as employers will often look at what other companies in their industry are paying their employees to ensure they remain competitive.
Company location can also be a factor as the cost of living and the local job market can affect the amount an employer is willing to pay.
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1. Which of the following are tasks associated with business administration positions? (2 poi
Select the two that apply.
answering phones
designing goods for production
delivering goods to market
maintaining records
repairing computers
Answers
Answer:It's A
Explanation: Took the test
To examine
the weekly payroll of all employees, one would look at the:
Answers
To examine the weekly payroll of all employees, one would look at the: d. payroll register.
What is the payroll register?The payroll register is a book or record that is used to fill in the details of all the employees and their payment logs. A record of this register is often kept in good condition in case of any future discrepancies that will have to be resolved.
A person who wants to examine the weekly payroll of all employees in an organization must be able to look at the payroll register to know what is obtainable. There, he would find the names of the employees, their job roles and payment record.
Options:
a. W-4
b. employee earnings record
c. W-2
d. payroll register.
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One of the strengths of Six Sigma program's has been its a.laser-like focus on worker satisfaction. b.clarity of process and the steps companies must take to adopt it. c.contribution to research in production quality. d.increase in customer loyalty.
Answers
he clause protects individuals and businesses from an overly intrusive government by requiring the government to give one notice and some type of procedure whenever the government interferes with our life, liberty, or property.
Answers
The Due Process Clause covers people and industries from an extremely pushy state by requiring the government to give one notice and some type of system whenever the state interferes with our life, liberty, or possessions.
What Is Due Process?Due process requires that legal issues be resolved in accordance with established rules and principles, and that individuals be treated fairly. Both civil and criminal proceedings are subject to due process. Due process of law is the application by the state of all legal rules and principles pertaining to the case in order to respect all legal rights owed to the person. Due process balances the power of the law of the land while protecting the individual from it. Due process ensures fairness in the criminal justice system. Individuals may be detained and deprived of their freedom and life without just cause if due process is not followed. If a criminal defendant is denied their civil rights, they have the right to sue the state on those grounds.To learn more about Due Process, refer to;
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A company issues 7%, 8-year bonds with a par value of $110,000 on January 1 at a price of $118,359, when the market rate of interest was 6%. The bonds pay
Interest semiannually. The amount of each semiannual interest payment is:
Answers
Answer:
Explanation:
a price of $118,359, when the market
_______ can run and climb stairs when holding someones hand or a rail. Classroom summary. Screening tools. Gross motor. Infants. Preschoolers. Toddlers. I will mark brianlest
Answers
Answer:
preschoolers
Explanation:
At this stage their balance has improved, they are more coordinated, and tend to focus more on where they are going (steps taken)
Which of the following BEST describes the services provided by Third-Party Logistics (3PL) companies? They negotiate prices and terms with your suppliers for the parts that you use in your products and then ship them to you. They warehouse and distribute your products, and potentially perform some other value-added processes. They negotiate with overseas suppliers for movement of good in that country They bundle transportation volumes to leverage riegotiations.
Answers
The services provided by Third-Party Logistics (3PL) companies include warehousing, distribution, value-added processes, and leveraging transportation volumes for negotiations.
Third-Party Logistics (3PL) companies specialize in providing various logistics and supply chain management services to businesses. The core services offered by 3PL companies typically include warehousing and distribution of products, along with potentially performing value-added processes such as packaging, labeling, and assembly. These companies handle the storage and movement of goods, ensuring efficient delivery to customers. Negotiating prices and terms with suppliers for parts and negotiating with overseas suppliers are not typically part of their core services.
While 3PL companies may work closely with suppliers and customers to coordinate logistics operations, negotiating prices and terms with suppliers for the parts used in a company's products is usually handled directly by the company or its procurement department. Similarly, negotiating with overseas suppliers for movement of goods in a specific country is typically outside the scope of 3PL services.
However, 3PL companies often bundle transportation volumes from multiple clients to achieve economies of scale and leverage their bargaining power with transportation providers. By consolidating shipments, they can negotiate better rates, secure efficient transportation options, and optimize logistics operations for their clients. This helps businesses reduce costs and improve the overall efficiency of their supply chains.
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Step 3: Creating a Balanced Family Budget
a) Search for a "family budget estimator" and calculate the monthly expenses for a family living
in your city.
Insert a screenshot of the calculator you used, as well as all of the information you entered
into it. If you are unable to insert a screenshot, then list the information below. (10 points)
b) State the minimum monthly income and hourly wage per worker needed to cover monthly
expenses for the family you used in part a. Then, explain how to calculate the hourly wage
Show we’re u found your information
Answers
The family budget calculator use is attached accordingly. See relevant definition below.
What is the minimum monthly income and hourly wage per worker required to cover the monthly expenses indicated in the budget?The total budget indicated is $7,304. Hence to cover for the above expenses, one would need to work for at least 8 hours per day, and 5 days a week at the minimum income wage of $50 dollars/Hour.
This translates to:
50 x 8 x 20
= $8,000
What exactly is a family budget?A family budget is a plan for your household's incoming and outgoing funds for a specific time period, such as a month or year.
What is the definition of a Family Budget Calculator?The Family Budget Calculator calculates the amount of money required for a family to maintain a modest but decent level of life.
The budgets project community-specific expenses for ten different family types (one or two adults with zero to four children) across all counties and metro regions in the United States.
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Contract between parties that is entered into before marriage. Provides for disposition of property in the event of a divorce or death of one of the parties
Group of answer choices
Prenuptial Agreement
Marriage License
Common Law Marriage
Child support
Answers
The contract between the parties that is entered into before marriage is called a prenuptial agreement. Thus, option a is the correct answer.
A contract is legally binding agreement between the two or more parties that lays out each party's responsibilities and rights. A contract is a statement of the terms and conditions of a transaction, including the goods or services being traded, the terms of payment, and any other important information.
An offer, acceptance, consideration, and a shared desire to be bound by the conditions of the arrangement are all necessary components for a contract to be legally enforceable. Various situations can result in the formation of contracts, including company dealings, employment contracts, and real estate deals, among others.
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if there are 3,000 in the population; 930 are employed; 70 are unemployed; and 100 are discouraged workers, what is the unemployment rate?
Answers
The unemployment rate is 7%
Total number of people in the population = 3000
Employed people = 930
Unemployed people = 70
Discouraged workers = 100
The level of active and capable people who are unemployed in a nation is determined by the rate of unemployment. The rate makes it possible to calculate current unemployment rates and determine which industries are shedding jobs at a quicker rate.
The number of unemployed divided by the total labor force is known as the unemployment rate. The sum of employed people and unemployed people is known as the labor force.
Calculating the total workforce
= Employed people. + Unemployed people
= 930 + 70
= 1000
Calculating the unemployment rate -
= Employed people / Workforce × 100
= 70/1,000 × 100
= 7
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Shauna borrows $400 from her parents. She pays them back plus 4% simple interest. What is the total amount of money Shauna will owe her parents
Answers
Shauna borrows $400 from her parents. She pays them back plus 4% simple interest. the total amount of money Shauna will owe her parents 400 + 0.04(400).
Simple Interest (S.I.) is a way for figuring out how much interest will accrue on a specific principle sum of money at a certain rate of interest. For instance, if someone borrows Rs. 5000 at a rate of 10 p.a. for two years, they will pay S.I. on the borrowed money for those two years. Ordinary simple interest and precise simple interest are the two forms of simple interest. In order to calculate interest, a year is divided into 360 days for ordinary simple interest and 365 days (or 366 days for leap years) for precise simple interest. The simple interest calculation formula is the same for both approaches.
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One major advantage of pure competition compared to a monopoly is that:
O A. businesses have more incentives to keep prices low.
B. economies of scale become less important.
C. consumers have to make fewer economic choices.
D. more capital is available for research and development.
Answers
Answer:businesses have more incentives to keep prices low
Explanation:apex
according to rothbard, continuous and persistent inflation is caused by: _____
Answers
According to Rothbard, continuous and persistent inflation is caused by **an expansion of the money supply**.
Rothbard, a prominent economist of the Austrian School, argued that inflation is primarily a monetary phenomenon. He believed that when the money supply is increased through actions such as central bank interventions or government policies, it leads to a general increase in prices over time.
Rothbard's perspective aligns with the Quantity Theory of Money, which posits that the level of prices is directly proportional to the money supply. In his view, sustained inflation occurs when there is an ongoing expansion of the money supply that outpaces the growth of goods and services in the economy.
It is important to note that there are various theories and perspectives on the causes and dynamics of inflation, and not all economists may agree with Rothbard's specific explanation.
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A new business should be based on an entrepreneur’s individual interests because the entrepreneur must:
A. Have sufficient confidence to succeed
B. Be willing to take personal responsibility
C. Have enough determination to work alone
D. Dedicate as many hours as needed to the work
Answers
Answer:
D. Dedicate as many hours as needed to the work
Explanation:
Have a nice day!! :)
Answer:
D
Explanation:
the process of creating a profile of your ideal customer for the purposes of developing a marketing strategy is known as what?
Answers
Any good marketing strategy, whether written in 1916 or 2016, starts with identifying the customer and their needs. And it all starts with developing an ideal customer profile, also known as a buyer persona.
What is the customer profiling procedure?
Customer profiling is the process of describing a customer or group of customers based on demographics, psychographics, purchasing patterns, and other factors.
An ideal customer profile (ICP), also known as an ideal buyer profile, defines the ideal customer for the problem that your company solves. This is a fictitious company with all of the characteristics that would make it the best fit for the solutions you offer.
Therefore, In other words, it is identifying the characteristics of people who are most likely to buy your product or service and get a lot out of it.
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Pls hurry ________structures are laid-back and undefined.
4.
A. Matrix
B. Learning
C. Informal
D. Staff
Answers
Which is an advantage fixed rate loans have over variable rate loans?
O Interest rates are lower.
O Application costs are lower.
O Long-term budget planning is easier.
O The maximum loan amount is greater.
Answers
Answer:
Long-term budget planning is easier
Explanation:
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Why would an employer ask about an applicant’s honors, awards, and activities?
Respond in 3-4 well written sentences:
Answers
Answer:
Explanation:
To show that you have special skills and what your areas of expertise are.
Answer:
There are multiple reasons employers would want to know about honors, awards, and activities. The first reason is to see if you are hard-working or not, if you have many awards and whatnot, employers will see that you have a good drive to get things done, clubs and activity you’ve participated in shows that you’re a team worker. It can also show your areas of expertise and can show your special skills and abilities.
Explanation:
I took the last part from the other answer but I do flvs career research and this was correct for me
QUESTIONS 4 66. - Neatness has great value Consider the following short run production function: Q=6L-0.4L (each a point) a. Find the value of L that maximizes output and maximum output b. Find the value of L that maximizes marginal product and maximum marginal product c. Find the value of L that maximizes average product and maximum average product Given a short run cost function as TC= 1/3Q¹-2Q²-6Q +100 a. Find the minimum value of AVC and MC (a point) A firm operates in a perfectly competitive market. The market price of its product is 4 birr and the total cost function is given by TC= 1/3Q - SQ+z0Q+50, where TC is the total cost and Q is the level of output. (each a point) a. What level of output should the firm produce to maximize its profit? b. Determine the level of profit at equilibrium. c. What minimum price is required by the firm to stay in the market Which Economic System is suit for Ethiopia? Discuss it? (4 point) Discuss the goals of macroeconomics and the measurement of economic performance of the country (6- the point) 6 6. What are problems and instruments of macroeconomics, Discuss it? (6-point)?
Answers
a. The value of L is 7.5 and the maximum output is 22.5.
b. The value of L is 7.5 and maximum marginal product is 0.
c. There is no value of L.
What is the value of L?a. To get value of L that maximizes output (Q), we need to differentiate the production function with respect to L:
\(Q = 6L - 0.4L^2\)
Taking derivative with respect to L:
dQ/dL = 6 - 0.8L
6 - 0.8L = 0
0.8L = 6
L = 6 / 0.8
L = 7.5
The value of L that maximizes output is 7.5 and maximum output (Q) will be:
\(Q = 6(7.5) - 0.4(7.5)^2\)
Q = 45 - 0.4(56.25)
Q = 45 - 22.5
Q = 22.5
To get value of L that maximizes marginal product (MP), we have to differentiate function:
MP = dQ/dL = 6 - 0.8L
Setting MP = 0:
6 - 0.8L = 0
0.8L = 6
L = 6 / 0.8
L = 7.5
The maximum marginal product is computed by substituting value into function:
MP = 6 - 0.8(7.5)
MP = 6 - 6
MP = 0
c. To find the value of L that maximizes average product (AP):
AP = Q / L = (6L - 0.4L^2) / L
Simplifying:
AP = 6 - 0.4L
Taking derivative:
dAP/dL = -0.4
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When is a lower annual interest rate better than a low annual fee?
Answers
Explanation:
Lower annual interest in real terms is a relief to customers because it can go across a monthly payment like in a product purchase with a credit card. A low annual fee is just one payment that can be a certain membership of which happens only on an annual basis.
Use the drop-down menus and your knowledge of prefixes to choose the correct word for each sentence.
I love being outdoors, so a day at the movies is
for me.
Plants that
desirable traits tend to live longer than those that do not.
The situation was unpleasant, and I did not know how to
myself from it.
Answers
The correct prefixes are:
AtypicalExhibitExtricateWhat is a Prefix?This refers to the addition of a word at the beginning in order to change the meaning from the root word.
Hence, we can see that based on the complete question, there is the use of words like "typical", etc and to use the correct prefixes, one would have to change them to the above to make sense.
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The correct answers are:
AtypicalExhibitExtricateWhat are prefixes?Morphemes
Prefixes are morphemes (specific groups of letters with particular semantic meaning) that are added onto the beginning of roots and base words to change their meaning. Prefixes are one of the two predominant kinds of affixes —the other kind is suffixes, which come at the end of a root word.
Thus:
The correct answers are:
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WePayU is led by CEO, Homiah Losyl. He believes that everyone from his senior leadership team down to the most entry-level employee is responsible for helping customers. He expects everyone to step in and help if it impacts WePayU customers. This best demonstrates the marketing concept of
Answers
Answer:
Customer satisfaction
Explanation:
Remember, we are told the CEO, Homiah Losyl wants "everyone...to step in and help" their customers. In other words, he puts his customer's satisfaction first above the roles of employees.
Hence, this type of marketing concept is channeled towards meeting the customer's expectations and feelings, by asking: what I can do to better satisfy my customers?
Joseph is trying to select a new couch for his living room. As he looks at each couch at the furniture store, he tries to visualize how it would look in his living room at home. Joseph is using _____ to help him determine which couch to buy
Answers
Joseph is using visualization to help him determine which couch to buy.
Joseph's process of visualization plays a crucial role in helping him determine which couch to buy for his living room. As he explores each couch at the furniture store, he actively engages his imagination to envision how it would look in his own living room. This mental exercise allows him to mentally place the couch within the context of his home environment, considering factors such as size, color, style, and how it complements his existing decor.
By visualizing the couch in his living room, Joseph can gauge whether it will harmonize with the overall aesthetic and layout of the space. He considers how the couch will fit in terms of dimensions, ensuring it neither overwhelms nor gets lost in the room. Joseph takes into account the color scheme, contemplating whether the couch will be a complementary or contrasting element within the existing palette.
Furthermore, visualization enables Joseph to assess the functionality and practicality of each couch. He imagines himself and his family members sitting, lounging, or entertaining on the couch, considering aspects like comfort, seating capacity, and usability. Joseph also envisions the placement of the couch, mentally arranging and rearranging furniture in his living room to find the optimal configuration.
Through this visualization process, Joseph is able to mentally project and assess the potential outcome of each couch in his living room. This aids him in making an informed decision based on his preferences, lifestyle, and the specific needs of his living space. By relying on his imaginative faculties, Joseph ensures that the chosen couch not only meets his aesthetic preferences but also seamlessly integrates into his living room, creating a cohesive and visually appealing environment.
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