Innovation and Change Management: Banqer

Innovation and Change Management: Banqer This study will focus on an online financial education software which is based in New Zealand. The study will highlight its mission, vision, objectives and its external environment. It will also outline impact of the internal environment and will lastly recommend certain new types of innovation that can be used by the company. History Banqer evolved out of the extensive rise of the financially illiterate children of the society which has ramifications with it. Banqer is a simulated online banking for classroom that provides helps on ecology for the kids in order to make them creative, curious and confident with money. It pays the students for providing positive behavior and completing the tasks that are assigned in the classroom (Banqer, 2017). With the students, they explore budgeting as they educate themselves with the valuable skills of their life by the management of their desks receiving payment for the privileges of the class. Students aging from 2 to 8 explore various topics that range from savings, interest, and tax to the insurance. Products and services Banqer allows the students to gain knowledge about the financial literacy responsibility in an extremely engaging and an immersive manner. As far as the product is concerned it is an online software which is concerned with education which the teachers and the students prefer (Banqer, 2017). Mission, Vision, objectives The mission lies in improving the financial capabilities of the entire world. Thus making the students well aware of the financial aspects. The vision statement is associating the teachers in order to make Banqer the best. The objective is to improve Banqers space within the domain of where they are positioned now and collaborating with certain movers and shakers in order to understand the worth and the potential of Banqer. Their goal lies in gaining direct experience in terms of education, technology, finance and design (Banqer, 2017). In the year 2016, the main focus of Banqer was in building partnerships both in the financial services as well as in the allied industries. The students in this industry were capable of buying and investing in the virtual properties as they might need to mortgage and earn rental income in order to pay off the amount they have borrowed. Political factors New Zealand has a stable government. Chances of success are huge. Special Education policy. Inclusive education system. Economic factors Resources are available abundantly due to the population of the country. The rate of unemployment is high against 99% literacy. Banqer promotes educational software by hiring skilled staffs. Social factors It is dependent on other countries for business. Spends a minimal amount on research and development. The banking system is strong. Technological factors Educational system is effective. Enrollment for Education Solutions (EES) to provide licensed software IT technology and the usage of Internet. Legal factors The government changes after every three years. Education Legislation Amendment Act 2016 to support digitalization in education sector Education Act 1989 beneficial universally Environmental factors The country has a unique ecological system. Latest technology has been adopted to keep the surrounding clean. Steps created to pollution free country Political factors When a certain company begins its business in this country, it takes into consideration political system, the economic stability along with the law and order of the country so that it can provide the economic strength to the trade and business. As New Zealand has a stable government so there is a huge chance of success due to the impactful rules and the regulations. Hence, the chances of Banqers success is immense. The New Zealand government had conducted changes in the education administration and introduced special education policy along with other policies (Ministry of Education, 2017). The policies and political stability of New Zealand would promote Banqer as the country aims to achieve inclusive education system (Banqer, 2017). Economic factors The economic condition of New Zealand is excellent with 3.5% GDP growth as in 2014 (Tradingeconomics, 2017). Due to the huge population of the country the resources are abundantly available. The products are economical in nature and are easily afforded by everyone. The unemployment is quite high at 3.5% in spite of literacy rate of 99% in the country. Banqer can easily appoint skilled staffs who are willing to work. The company would be able to promote the educational tool in the country to further literate children and decrease unemployment. Social factors The social system of New Zealand is such which is dependent on business with the other countries.As it depends on other countries for technology so it makes them spend quite an amount on the work of research and development. As the banking system is extremely strong so allows foreign direct investment in the country (Banqer, 2017).   Banquer would be impacted by the social status of New Zealand as education imparted using technology would ensure welfare of the country. Technological factors The country has an effective educational system. With the help of the technological advancements it has introduced IT and the use of Internet which has helped Banqer in the provision of its service in this country (Richard, 2012). Due to the various online education facilities it has increased the rate if literacy to almost 99% which is more than most of the countries. Ministry of New Zealand had also launched a program named Enrollment for Education Solutions (EES) to provide licensed program for software which is beneficial for Banqer (Dashper, 2017). Legal factors As the government changes after every three years so there is an establishment of new laws and regulations (Moskovitz, 2016). The Education Legislation Amendment Act 2016 and Education Act 1989 positively impacted Banqer as educational institutes abide by the laws and plan and digitalized their educational status using software (Martin, 2016). Environmental factors People of New Zealand are well aware of the unique ecological system. People have adopted the latest technology in order to cope up with the garbage and helps to not pollute the atmosphere (Crossley, et al., 2015). Certain initiatives are taken in order to make the country free from pollution and dust which is also abided by Banqer. The SWOT analysis is an effective framework to understand how a company in sector compare its internal and external conditions within an industry. Banqer as a startup has been effective in simulating financial exercises and helping students to gain literacy in the topic and subject. The following contains a brief discussion about its various strengths, weaknesses, opportunities and threats. Strengths The major strength of the start-up has been to understand the key to develop STEM (Science and Technology, Engineering and Mathematics) among school kids. In this regard, the company has tried to the bridge the gap that was noted in the endeavours to focus on these subjects in Australian and New Zealand school systems. Another major strength of the company has been word-of-mouth marketing that helped built its credibility, mostly because the teachers who had tried the system understood its ingenuity and efficiency (startupdaily, 2015). The company has also grown on the basis of its partnerships with renowned firms like those in real estate to develop modules for students and attract more kids who would be more interested in such subjects. What has also worked for Banqer is their simple pay model which starts at free of cost for the initial trial period after which 3.5 dollars are charged per student per semester, which can reduce down to 2 dollars if the student signs up for multiple semesters (stuff.co.nz, 2015). It has also partnered with Kiwibank in order to provide better flexibility to students who cannot support their subscription fees. Weaknesses One of the major weaknesses can be noted is the lack of diversification in the kinds of services that are offered. At present, the company is only focussed in the financing subject which could pose problems for the company. Another problem that can be noted is to rope in the appropriate investor for the project. The company is looking to reach a high saturation point before entering into other markets. In this regard, it is looking for investors who can form part of the team but also who need to understand the basic concept of the start-up and not meddle with the inherent strategy of the company. Another initial challenge that had proved to be a weakness in the past was to change the attitude of the schools and parents. While expanding, such a challenge can also be felt in other countries as well. Opportunities: The opportunities for the company have already been identified by one of the co-founders, Kendall Flutey. She has noted that the opportunities lie in expanding the services on a global scale starting with Australia and moving on to the United States. She has also noted that since United States place emphasis on financial based learning, it would be profitable for the business to consider expanding there (Robson, 2016). While finding investors can be an issue while expanding, crowd-funding might also be looked into as a possible source of investment and finding the right of investors who are as motivated on making education convenient rather than making profits. Threats The biggest threat is possibly the over-dependence on the online medium as with the various technological advances, there are several ways, nowadays, in which hackers might interrupt and pose problems for the company and the novelty which had made it successful in the first place. The novelty that has worked for Banqer can also change quickly as more companies see the profit generating capabilities and develop their own versions and certainly with technological advances, there might be better options as well. Strengths Weaknesses Opportunities Threats Focus on bridging the gap. Valuable partnerships Earning credibility through word-of mouth Lack of diversification in the product range. Getting like-minded investors. Different approach to education can prove to be problematic Expansion Crowd-funding. Over-dependence on the online medium Technological advances Replication by other companies. With the considerable advances in the technological aspects and the ways in which communication is being impacted all over the world, it would be particularly relevant for the company to administer certain changes and develop modules that are more student specific. One of the recent developments that have been made is the CV writing and application process that the company is providing within simulated environments (McNicol, 2016). What is really interesting to note in this regard is the emphasis on student-teacher interaction which is the value of this innovation to the organization. However, the modules and the courses can be noted to be developed on a comprehensive level, and probably it would be hugely beneficial if specific modules are created keeping in mind the specific abilities and needs of the students. Another important aspect has been the developments in the curriculum innovation that is changing the education on global levels. What had been considered to be the most important subjects in school are now being regarded as auxiliary to the main subjects. So, it would be a naturally evolutionary process to incorporate the various developments that are being made all around the world in order to stay updated with the recent developments. The most effective strategy to motivate the innovation would be to develop a basic plan that is flexible in order to incorporate the changes that are being made on a daily basis. In this context, it can be recommended that the company regularly set up meetings with the schools and the educational experts in order to gain a more comprehensive knowledge about the developments that are being made on a global scale. Also, in order to incorporate the changes that are required to be made in terms of providing personal assistance, it would probably be recommended to set up one-to-one sessions with the students in order to understand their personal lacks and how those can be overcome through effective sessions. The task might be tedious at first, but the whole process can be streamlined if teachers are integrated within the system and involved. Banqer has been one of the most efficient online programs in the recent past that has sought to redefine financial literacy for the students. It has been successful in the New Zealand market and hopes to expand. However, the threats of replication can be major problem. In this regard, the company can start innovating and customize their modules to suit the needs of the students.

Expected Behavior in The Coquette and The Female Marine Essay example -

Expected Behavior in The Coquette and The Female Marine    In society, constructs of correctness have been formed on the basis of expected, gendered behavior. Individuals have traditional roles that they play which are based on the historical performance of their gender. Although very rigid, these traditional roles are frequently transferred, resulting in an altered and undefinable identity that exists beyond the boundaries of gender. These transgressions into the neuter role are characterized by a departure from the normal roles of society which, if successful, complete the gender transference and allow the individual to live within a new set of boundaries. The Female Marine, or the Adventures of Lucy Brewer is the fictional autobiography of a woman who recounts her experiences in the navy and life as a cross-dressed male. Throughout her narratives, Lucy is able to successfully leap back and forth between gender roles without repercussion. On the other hand, Hannah W. Foster's The Coquette is a sentimental seduction tale that n arrates the tragic demise of a young woman who attempts to exceed acceptable behavioral boundaries by establishing herself as a virile, independent individual, a role established by Simone de Beauvoir to be associated with the male (Beauvoir 405). Because of the similarity in the situations of these women there lies a need for an examination of their narrative purpose. The differing results of success with these women are found in the author's reflection of their audience's narrative expectations that deal with the social outcome of women who attempt to move beyond gender-identified behavioral roles. In her essay "Performative Acts and Gender Constitution: An Essay in Phenom... ...to strengthen the audience's convictions of virtue and create a security in their beliefs. (Davidson [Foster] viii) Without Wharton's narrative condemnation, the text would be morally empty, with no lesson learned, no wisdom gained. Neither Foster nor Wharton had any choice for her destiny--the narrative sin of Wharton could only be rectified by a fall, by the expected reproach and ominous warning to those who should follow her path.    Works Cited:   Butler, Judith. Ed. Case, Sue-Ellen. "Performative Acts and Gender Constitution." Performing Feminisms: Feminist Critical Theory and Theatre. Baltimore: The Johns Hopkins University Press, 1990. Cohen, Daniel A (Ed.). The Female Marine: and Related Works. Massachusetts: The University of Massachusetts Press, 1997. Foster, Hannah W. The Coquette. New York: Oxford University Press, 1986.   

Ethical Egoism and Capitalism Essay

Ethical egoism, in general, is suggestive that every individual would act according to his or her own interests. According to the proponents of ethical egoism, every individual or any group will always be pushed to promote one’s own personal interests regardless of how others would view their decisions. However, a personal interest is viewed as a long-term commitment based on the ideas presented by the proponents of ethical egoism. Here, personal interest does not only cover the basic wants of an individual, but rather the needs of an individual which will benefit the individual or the groups for a longer period (â€Å"Ethical Egoism,† 2007). On the other hand, capitalism is an economic worldview that promotes the accumulation of capital for a long-term period. Capitalism as an economic thought is largely individualistic, and is most of the time focused on the individual who plays as the main player in all capitalist endeavors. As such, the proponents of capitalism greatly believe that every individual or group of individuals is always in pursuit of attaining their goals and interests (Hooker, 1996). Ethical egoism and capitalism, though are two different world perspectives have a distinct connection. In some ways, ethical egoism has widely influenced the growth and the process at which capitalism works. Both ideas are centered on pursuing and fulfilling the individual’s personal interests. And as such, the tenets of ethical egoism have become one of the most motivating factors in the capitalist world. Epicurus had his own idea involving ethical egoism. Epicurus defined self interest based on the pleasure that fulfillment of such self-interest can give. According to Epicurus, pleasure is only attained whenever the idea of pain is quickly vanquished. Hence, one must be ultimately with his or herself in order to become happy and fulfilled. And as such, he added that to live in a pleasant way, individuals must adjust to life in a prudent and honest way (Epicurus, 2002, 278). In accordance to this, Epicurus also added that individuals, while fulfilling their needs and self-interests must also learn to become self sufficient, stable and not reliant on chances, and must be complete (â€Å"Ethical Egoism,† 2007). These characteristics suggest that an individual, while being self sufficient, must only focus on the immediate and basic needs rather than giving up to the pleasures and unnecessary wants. As such, if people have become lured to unneeded pleasure, their desires will not be fulfilled and satiated, and will only cause pain and discontent amongst the people. While Epicurus suggested that the ultimate test for pleasure is the elimination of all causes of pain, he also concluded that reason and virtue are two of the most important factors in attaining happiness. As such, rational choices must be made in order to be fulfilled. Any wrong and irrational choice committed will cause discontent and unrest to the people, thus should be avoided (Younkins, â€Å"Epicurus on Freedom and Happiness,† 2007) Capitalism, on the other hand, is also founded on almost the same tenets. Capitalism is also geared towards achieving fulfillment which can be attained through the accumulation of capital goods, which capitalist entrepreneurs desire. Like how each tenet of ethical egoism is defined, the proponents of capitalism also strongly believe that a capitalist is always in search of satisfaction and fulfillment, which can only be achieved if his or her self-interests are being quenched. Like ethical egoists, capitalists are also focused on the attainment of individual satisfaction. And as such, every single capitalist puts a lot of effort into giving an assurance that each of his own capitalist endeavors is being realized and put into effect. Profit, as the main goal of the capitalists, is the counterpart of â€Å"pleasure† for an ethical egoist. While in ethical egoism, pleasure is only attained by eliminating sources of pain and discontent, profit is being considered as the main source of motivation and happiness for capitalists. In this light, profit is obtained by capitalists through the sheer use of intellect, competitive skills, and thorough reasoning in order to equip themselves in a tough competition among other and fellow capitalists. In addition to this, another character that links capitalism with ethical egoism, is the distinctive pursuit of morality behind the two ideologies. While ethical egoism greatly regards moral and righteousness for the attainment of their goals, in the capitalist perspective, capitalism is an avenue wherein moral is an imperative towards the creation of social system that will help realize the goals of a capitalist. Capitalism, hence is a system that encourages the practice of enhancing self-determination and giving priority to moral agencies for the system to function well (Younkins, 2007). Capitalism is also based establishing a rigid set of moral values. Capitalism is a system that operates on a strictly governed set of institutions that ensures that each move and actions are always watched. And in order to maintain the balance amongst the players in the system, every action made can be open to reward or sanctions. In addition to this, self-interests within a capitalist system are attained by valuing the balance between the needs and material gains. And as such, every value system and social norms are always honored in within the capitalist arena (Cilliers, 2008, pp. 30-31). In a way, the quench for self-interest and pursuit for material wealth are always related within the economic system. Pursuing any kind of self-interest and wishing to attain material wealth are always tied to the economic order, and such, the goal and the means must be properly coordinated. The capitalist system works in hand with the ideals of the ethical egoism in such a way that, both ideologies will suggest that in any kind of self-interest, one must always be able to determine the more prioritized aspect of the individual’s well-being. In both the underlying tenets in capitalism and ethical egoism, self-interest plays a huge role. Both of the ideologies suggest that, self-interest is one thing that should always be satiated by any individual. Failure to attain this will make human beings discontented for their lives, and such will always push to gain more. While in ethical egoism, the individual’s pursuit is directed towards eliminating his or her source of pain in order to attain pleasure; in capitalism, the individual’s self-interest is directed in gaining profit which he or she can attain by eliminating competition or by triumphantly overcoming any kind of competition that comes in his or her way. However, there are certain limitations that must be taken consideration in this pursuit of either self-interest or profit. As stated in ethical egoism, an individual must know how to control his or her pleasures. The excess of wanting too much material wealth will eventually establish discontent, unhappiness and pain on the individual. This goes the same in capitalism – every individual must learn how to control his or pursuit of gaining more profit that how it is supposed to work. If an individual or the whole society believes that they deserve more than what is rightful for them, the society will be in chaos. And as such, the people will become rather more dissatisfied, and order will be more oblivious to the minds of the people. The parallelism of the tenets between ethical egoism and capitalism shows the distinct comparison and similarity of the ideas contributing to both ideologies, with self-interest at the core of ethical egoism and capitalism. In essence, self-interest is what drives both ethical egoism and capitalist to achieve its purpose. Ethical egoism shares its influence with capitalism in such a way that ethical egoism shows that there is something that an individual wishes to attain. Alongside these wants and needs, an individual is ought to follow certain measures in order to fulfill his or purpose. And most importantly, there should always be limits to what an individual should wish to have. Excessively wanting something, in within either the tenets of ethical egoism and capitalism, will always be detrimental to the status of every individual or in any society. References Cilliers, J. (2008). Global Capitalism – Local Values. St. Gallen Symposium. Switzerland: University of St. Gallen. Epicurus. â€Å"Principle Doctrines. † Classics of Political and Moral Philosophy. Ed. Steven M. Cahn. New York: Oxford University Press, 2002. â€Å"Ethical Egoism. † (2007). Center for Ethical Deliberation. Retrieved October 2, 2008, from http://www. mcb. unco. edu/ced/perspectives/egoism. cfm Hooker, R. (1996). Capitalism. The European Enlightenment. Retrieved October 2, 2008, from http://www. wsu. edu/~dee/GLOSSARY/CAPITAL. HTM Younkins, E. W. (2007). Epicurus on Freedom and Happiness. La Quebecois Libre. Retrieved October 2, 2008, from http://www. quebecoislibre. org/07/071111-4. htm Younkins, E. W. (2007). Capitalism: The Only Moral Social System. La Quebecois Libre. Retrieved October 3, 2008, from http://www. quebecoislibre. org/07/071111-4. htm

Macbeth Research Paper - 1987 Words

Macbeth Research Paper What qualities makes a person good or bad? Researchers of psychology define evil as, â€Å"dehumanization, diffusion of responsibility, obedience to authority, unjust systems, group pressure, moral disengagement,and annuity.† These reasons along with background information of a subject helps to identify why a subject may turn evil. Unfortunately, finding a clear cut definition for good was not as easy for researchers. According to the five year study of world-renowned psychologist, Philip Zimbardo and his colleagues, they were able to break up what they found the making of a â€Å"good† person to be. â€Å"Simply put, then, the key to heroism is a concern for other people in need—a concern to defend a moral cause,†¦show more content†¦This violence only adds fuel to the fire which was his desire for power. His violent behavior and vindictive ways to get and keep power eventually turned into greed which is another flaw that led to his downfall. â€Å"Greed is an extreme and excessive desire for resources, especially property such as money, real estate, or other symbols of wealth†, stated Richard Taflinger. Excessive is defined as possessing something to such a degree it’s harmful. His greed was indeed harmful to not only himself but to others around him as well. The example of his wife committing suicide can again be related to this flaw and how it affected others. His greed affected those far beyond his personal circle of loved ones and companions, but reached out into the people of the kingdom as well. They saw how he was ruling the kingdom with greed and a strong urging for power; they saw how he was becoming a true tyrant. Once Macbeth was given that little bit of power, he needed more and more. Macbeth was not satisfied until he had the whole kingdom under his rule and in the palm of his hand. The people being ruled by this controlling man was tired of his leadership, while at the same time starting to see his dirty deeds brought into the light. Deeds like King Duncan’s, Banquo s, and the family of Macduff’s assassination. These suspicions now met with some evidenceShow MoreRelatedMacbeth Research Paper2300 Words   |  10 Pagesleads him down the path to perform wicked deeds that ultimately lead to his demise. Throughout the play of Macbeth, Shakespeare utilizes many forms of imagery. Some forms of imagery are shown through the character’s appearance in clothing, light and darkness and blood imagery. The most dominant form of imagery in the play is expressed through the clothing worn by the characters. 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