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Australian insurer Suncorp to stop underwriting new coal mines, coal-fired generation

first_img FacebookTwitterLinkedInEmailPrint分享The Guardian:Australian insurance giant Suncorp will no longer insure new thermal coal mines and power plants, and will not underwrite any existing thermal coal projects after 2025.This is the latest in a series of pledges by banks and financial services companies that they will not support projects that mine or burn coal used for electricity generation, in line with the goals of the 2015 Paris climate agreement. Activists said Suncorp’s announcement meant there were now no Australian insurers willing to underwrite new thermal coal developments.Suncorp, which owns insurance brands AAMI and GIO, made headlines in February when it announced its half-year profit had slumped 45%, mainly because of extreme weather events in Sydney and Queensland. Its then chief executive, Michael Cameron, called on the government to make it compulsory for Australian businesses to adopt climate change action plans to prepare for natural disasters.In a statement on Friday, the $17bn company said climate change posed a financial and strategic risk but was also an opportunity. It said it had applied a shadow carbon price, assuming greenhouse gas emissions have a cost, to its investment decisions since 2017 and had recently expanded that across all its operations.“The practical outcome of this is that we have materially reduced our investment in fossil fuels, including thermal coal,” an official said. “We will seek to increase exposure to businesses that have a positive environmental impact, including renewable energy generation and technology.”Suncorp’s competitor QBE said in March it would no longer insure new thermal coal projects and would stop underwriting existing operations from 2030.More: Insurance giant Suncorp says it will no longer cover new thermal coal projects Australian insurer Suncorp to stop underwriting new coal mines, coal-fired generationlast_img read more

Next generation member statements—Why design matters

first_img 49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Steve Biancaniello As co-founder and EVP of Professional Services, Steve possesses over 15 years of experience in the customer communications management space. He is the architect of Prinova’s highly regarded Integrated … Web: www.prinova.com Details The quality of the member experience is commanding increased attention in every industry, given heightened member expectations for a highly personalized experience and the growing ease with which members can choose another organization should they become dissatisfied. This reality is especially true for credit unions, whose members have already indicated a strong preference for the highly personalized, community experience that typically differentiates a credit union’s service from the bank around the corner.In attempting to meet these growing consumer expectations, one touch point that could be overlooked—but shouldn’t be—is your routine member statements. If you think about it, each statement sent actually represents a trusted appointment with every member. Consider this—recent survey results from research firm InfoTrends has shown that 97 percent of bills and statements are opened and read by consumers, and they spend between two to five minutes reviewing the statements received from their financial services providers, banks, insurers, utilities and favorite retail stores.As a regular and recurring touch point with your members, statements offer a powerful, innovative opportunity to enhance the member experience. Statements should be a considered a key component of an integrated member communications program as a vehicle that has a consistent direct influence on member experience, their financial choices and brand loyalty over time. When you look closely at the statements you send out today, do they support these goals?Would you still own a black and white TV?Credit unions send numerous member statements each month, yet, unfortunately, too often these statements don’t look much different than they did decades ago. Continuing to print static, boring black and white statements when there have been compelling advances in statement design capabilities, including digital color and data-driven personalization techniques, doesn’t make good business sense.Adding color to your statements offers numerous advantages for getting your message across and in terms of the customer experience. Consider these facts:Color in documents increases comprehension by 78 percentColor boosts brand recognition by 80 percentFull color mail pieces are 55 percent more likely to be readInvoices in color get paid 30 percent fasterAdvances in digital technologies have made full color statement design both affordable and highly effective. Research continues to confirm the positive impact of color and eye-catching graphics to boost customer engagement and brand recognition. Today, whether working with a print service provider or in-house production facility, you can affordably put those proven principles to work in your credit union’s ongoing statement design to connect more powerfully with your members and sustain more lasting relationships with them.Some important steps for effective statement designHowever, just adding color isn’t enough. Effective design is also critical to boosting engagement. Poorly written, unclear and cluttered statements continue to drive calls into your credit union, lead to a negative member experience and increase the cost of doing business. Improving statement design to ensure they are an asset to your customer communication portfolio requires consideration of several key components that ultimately deliver significant benefits to your credit union and the recipient:Strategic use of color—reinforces your brand and draws the member’s eye to key informationCreative iconography, graphics and other images—helps members navigate the statement and understand important statement information quickly and easilyPlain language writing—ensures that the structure and content of your document is clear and understandable by your membersPersonalization—delivers the right message to the right member in the right channelWhite space—improves readability and makes your statement easier to navigateConsideration of system requirements—ensures that new statements can make it into production seamlesslyTesting—customer testing is an integral part of every successful statement design to ensure the new statement is something your members will properly use and interpret each time they receive itGaining the capability within your organization to generate member communications that follow the design considerations discussed above is vital to leveraging the tremendous potential statements have for improving member experience, loyalty and your credit union’s ROI. A consistently great member experience can transform satisfied members into “brand promoters”—loyal members who look to your credit union for their financial services needs and urge their friends and family to do the same.Members anticipate their monthly statements and bills. They trust the source and attend to the content. As a result, well-designed statements provide an innovative opportunity for credit unions to communicate and connect with members every month in new and lucrative ways that are sure to pay dividends in achieving loyalty through an exceptional member experience.last_img read more

Bravo says Caribbean side focussed ahead of World Cup

BRIDGETOWN, Barbados (CMC) – Marquee batsman Darren Bravo said yesterday West Indies would not be overawed by their opposition at the upcoming ICC World Cup in England, but would be focussing on executing their unique brand of cricket.The two-time World Cup champions are not among the favourites for the May 30 to July 14 tournament largely due to their lowly number nine ranking, with hosts and world number England the hot favourites.“To be honest, most other teams are quality teams but having said that, when we played against England no one gave us a chance, so I think that once we concentrate on what we have to do as a team, I think that is the most important thing,” the left-hander said during the Windies training camp at 3W’s Oval.“We are not going to focus very much on the opposition. We have certain plans and certain roles we want to execute and I believe that the result will take care of itself. As I said before, no one gave us a chance against England and we went out there and proved that we can beat the best team in the world so we just have to go out there and continue believing in ourselves as much as possible.”Bravo was referring to the recent five-match series home series against England which the hosts drew 2-2, with one match rained off.Written off before the start, West Indies played outstandingly after losing the opening match by 26 runs at Kensington Oval, rebounding to win the second match of the doubleheader by 26 runs.Rain forced the abandonment of the third ODI in Grenada before England clinched the fourth contest at the same venue, despite West Indies’ record 389 in pursuit of 419.West Indies crushed England by seven wickets in the final match in St Lucia, with Chris Gayle slamming an astonishing 77 off 27 balls to end the series with 424 runs.“I think it was a fantastic series for us as a team, led brilliantly by Jason and Chris Gayle,” Bravo said.“I think Chris set the tone at the top of the order in the ODIs that gave the motivation to go out there and perform against the best team in the world. It was a very good series and I am happy that it was very competitive and it should give us confidence moving forward.”Bravo is part of the Windies 14-man squad preparing for the tour of Ireland which runs from May 3 to 17 in Dublin. They will clash with the hosts and Bangladesh in the triangular series.The camp is being overseen by new interim head coach Floyd Reifer, who was appointed last week, and the experienced Bravo said he was making the most of the preparation, especially with former Test batsman Ramnaresh Sarwan playing a key role with the batting group.“The coach outlines what he wants from us and we try to come up with the brand of cricket we want to play,” said the 30-year-old Bravo, who averages 32 from 102 One-Day Internationals.“Moving forward the guys have been working on their technical areas as much as possible. Now we have Sarwan who came in for a couple of days to help us with our batting. He has been working tremendously well with us. I had a couple sessions, so far so good.“Hopefully he will be with us moving forward to Ireland because I believe with a young batting team like this, someone of Sarwan ‘s stature will mean a lot to us as a batting unit. We will see how it goes but so far the camp has been going well.“It has been a lot of hard work, fitness-wise and otherwise and we are enjoying it.” read more