Revolving credit - credit cards, home-equity line of credit
Closed-end credit - car lease, mortgage loan.
Debt instruments that are bought for a specific purpose and a predetermined period of time are considered closed- end credit. The person or entity must repay the entire amount of the loan, including any interest payments or conservation costs, at the end of a pre-determined period. A specified credit limit is given to the borrower when a lender grants revolving credit. This cap is determined by the customer's income, credit history, and credit score. When the account is opened, the borrower is free to use it anyway they see fit. Until it's closed by either the lender or the borrower, the account is open.
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Why do oligopolists use product development and advertising?
While non-price rivalry is more distinctive and businesses have greater funds for marketing and product development, price reductions are easy to copy.
What is product development?In general, "product development" refers to all phases of product creation, from the initial concept or idea to the final stages of commercialization.
In other words, when a product is created, its full lifecycle is considered.
Products provide solutions. Consequently, the first step in this trip should be recognizing an issue that has to be rectified.
This stage may be informed by conversations with prospective consumers, surveys, and other user research initiatives.
Not all issues are critical enough to require a product-based solution.
Whether a problem has to be addressed and whether people are prepared to pay for a solution depends on how much suffering it causes and how many people or organizations it impacts.
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What are the 4 main risks of investing?
The chance that investments will lose value as a result of market-wide changes in the economy or other factors. Equity risk, interest rate risk, and currency risk are the three primary categories of market risk.
What are investment risk?The chance or likelihood of losses occurring in relation to the anticipated return on any given investment is known as investment risk. Simply said, it is a measurement of the degree of uncertainty in reaching the returns that the investor expects. The magnitude of unexpected outcomes to be experienced.When evaluating an investment's prospects, risk is a crucial factor. Less risk is viewed favourably by the majority of investors when making an investment. The investment is more profitable the lower the danger is to it. The general consensus is that the greater the risk, the greater the potential reward.Your investments will eventually lose value. Because stock prices will continue to increase and fall, you should get at ease with that notion. It is helpful to keep in mind that, on the day you must sell, the value of your investments takes precedence.To learn more about investments refer :
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What a sprint means?
A sprint is a brief period of time during which a scrum team works to finish a specific amount of work.
Sprints are important to scrum and agile approaches, and doing sprints right will enable your agile team to release a better product with fewer issues.
Each sprint starts with a planning session. The product owner (the person seeking the work) and the development team agree on what work will be completed during the sprint at the meeting. When it comes to establishing how much work can actually be achieved within the sprint, the development team has the last word, and the product owner has the final decision on what criteria must be satisfied for the work to be authorized and accepted.
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Research the short-term and long-term risks in global diamond supply chains and write a short document (maximum 3 pages) that outlines what these risks are and how they are mitigated by major diamond producing corporations.
The diamond market's long-term outlook remains positive, with demand expected to outpace supply beginning in 2019. We expect rough diamond demand to recover from the recent downturn and return to a long-term growth trajectory of about 3% to 4% per year on average, supported by strong fundamentals in the US and continued middle-class growth in India and China. The supply of rough diamonds is expected to decline by 1% to 2% per year until 2030.
What is supply?Supply is a fundamental economic concept that describes the total amount of a specific good or service that consumers have access to.
Our rough-diamond supply forecast is based on an analysis of existing mines, publicly announced plans, and anticipated production at each expected new mine. We expect the global supply of rough to decline by 1% to 2% per year on average from 2015 to 2030 due to the ageing and depletion of existing mines and relatively little new supply coming online.
Global macroeconomic shocks, geopolitical risks, changes in consumer preferences away from diamond jewelry, new sources of demand (such as investment demand), technical disruptions in supply, and the impact of commodity prices on major producing countries and potential new sources of supply are all risk factors that could affect the long-term diamond supply and demand balance.
Therefore, the short-term and long-term risks in global diamond supply chains is analyzed.
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What are the 5 steps in successful stakeholder relationships?
Reduce project risks, Manage your resources more effectively, Facilitate team collaboration, Gain buy-in and Meet timelines are the 5 steps in successful stakeholder relationships.
Collaboration is the process of two or more parties cooperating to carry out a task or realise an objective. Cooperation and collaboration are comparable. Leadership is a necessary component of most collaborations, albeit it can take the form of social leadership within an egalitarian, decentralised group. In situations where there is competition for limited resources, teams that collaborate often have more access to resources, recognition, and incentives. Collaboration techniques that are structured promote reflection on actions and language. These strategies seek to improve the effectiveness of teams as they work together to solve problems. Although it is not a widespread usage of the phrase, adversarial collaboration is present when competing aims are being pursued.
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Access the Operations Management Simulation: Quality Analytics simulation for PJM440. Run through at least challenges 1 and 2 (although you can run all 4 challenges to maximize your learning) and answer the following questions:
1. How did you determine when to stop the process to make adjustments?
2. How did you know whether machine recalibration or labor substitution would be best?
3. If no adjustments were made, what is the cost of quality?
4. Should operators use their judgment as to when to stop a process for adjustment?
5. Can the process be adjusted too often?
The act of supervising all activities and duties required to maintain a target degree of perfection is known as quality management. Quality management include developing and executing a quality policy, as well as generating and implementing quality planning and assurance.
PJM440 is the Project Quality Management process that guarantees the quality of the project is managed efficiently in order to ensure the project's efficiency.
In order to make adjustments, we must first understand the problem of the process and where it is occurring. Once we understand the problem, we can easily make the necessary changes and adjustments; however, we must keep a close eye on the project process at regular intervals.
In order to determine whether a method is superior to machine recalibration and labor substitution, we must first measure the output from both methods and then compare them.
If no adjustment is done, the cost of quality tends to stay the same since the cost is incurred in the process of making quality adjustment and there will be no changes in the cost of quality if no adjustment is made.
Yes, because operators are the greatest source for determining when and where adjustments are needed, and this will benefit the entire project, it is acceptable to rely on their judgment to halt the operation and make the necessary adjustments.
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What is the difference between a national bank and a community bank?
Compared to national banks, which have a strict set of criteria and restrictions, community banks are typically more accommodating and understanding when it comes to loans and accounts. In comparison to their larger competitors, they also frequently charge lesser prices for their goods and services.
A depository institution that is typically run and owned locally is referred to as a community bank. [Needs citation] Community banks frequently concentrate on the requirements of the local businesses and households where they have offices and branches. People who are knowledgeable about the needs of local families, businesses, and farmers make the lending decisions. [Needs citation] Employees frequently live in the communities they work in. Community banks are not precisely defined in the United States. [Needs citation] The majority of agencies define this phrase in terms of the size of total assets, ranging from less than $1 billion (Office of the Comptroller of the Currency) to less than $10 billion (Federal Reserve Board and Government Accountability Office). The Federal Deposit Insurance Corporation (FDIC) places extra standards on organizations that are designated as community banks in addition to size (as determined by assets). In the period from 1985 to 2004, community banks made up nearly 94% of all commercial banks in the country, although their share of total national deposits fell from about 25.89% in 1985 to 13.55% in 2003. Economists and decision-makers have become more concerned about the loss in community banking in the United States, and some of them have claimed that community banks are crucial to macroeconomic stability.
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pharoah industries has 8 percent coupon bonds outstanding. these bonds have a market price of $945.60, pay interest semiannually, and will mature in six years. if the tax rate is 35 percent, what are the pretax cost and after-tax cost of this debt?
The coupon bond interest rate is 8% and the tax rate is 35% then the pre-tax cost of debt is 8% (8% × 1) and post tax cost of debt is 5.2% (8% × (1-0.35) after excluding the impact of tax benefit.
What is Cost of Debt?The effective rate that a business pays on its debt, such as bonds and loans, is known as the cost of debt. A company's capital structure includes stock and debt as its two main components. Finding the average interest rate paid on all of a company's obligations is necessary to calculate the cost of debt.
The cost of debt may be expressed as either the pre-tax cost of debt, which is the amount owed by the business before taxes, or the after-tax cost of debt. The fact that interest expenses are tax deductible accounts for the majority of the difference between the cost of debt before and after taxes.
Thus the before tax cost of debt is computed as normal coupon rate paid regularly i.e. 8% and post tax cost of debt or after tax cost of debt is after removing the tax effect on interest payment viz 5.2% ( 8% × (1- 35%)
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What is a common interest group?
Interest group, also called special interest group, advocacy group, or pressure group, any association of individuals or organizations.
What are special interest groups?These interest organizations speak for groups that advocate for and support vulnerable communities. The Sierra Club, for instance, focuses on preserving both the environment and the world's wild places.
A special interest group (SIG) is a community within a larger organization that has a common goal of advancing a particular field of knowledge, learning, or technology. Members work together to influence or produce solutions in their particular field and may communicate, gather in person, and plan conferences.
The Association for Computing Machinery (ACM), a professional and academic computer society, first used the phrase in 1961. [1] Later, SIG became well-known on CompuServe, a pioneer in online services, where SIGs were a portion of the site devoted to specific interests.
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What are the components of the APR?
The loan costs and the compound interest rate during the year are the primary components of the Annual Percentage Rate.
Based on these components and the loan terms, you can efficiently compute the APR in three easy ways: Compound the annual interest rate on the loan, excluding loan costs.
Interest rates are classified into three types: nominal interest rates, effective interest rates, and real interest rates. The stated rate of interest on a loan or investment is simply the declared rate on which interest payments are computed.
Because the APR is impacted by a number of factors, the amount of interest you may pay might vary greatly. These indicators often include, among other things, credit history.
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What are some examples of information you might include in the current status of a career plan? check all that apply. Classes you have takenjob or volunteer experienceintermediate goalspossible obstaclessoftware skillsfinancial challengesleadership skills.
Option A, B, E & G, Some examples of information a person may include in the present status of a career plan are classes you have taken, job or volunteer experience, software skills, and leadership skills.
A career plan outlines a person's immediate and long-term career objectives, as well as the steps required to reach them.
The choice of coursework, as well as the identification of extracurricular activities, research, and internships that will make one stand out as a competitive employment candidate, can all be aided by career planning.
What are some examples of information you might include in the current status of a career plan? Check all that apply.
A. classes you have taken
B. job or volunteer experience
C. intermediate goals
D. possible obstacles
E. software skills
F. financial challenges
G. leadership skills
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What does breaking a large piece of work into smaller pieces allows for in Agile?
When work is broken down into bite-sized pieces, agile team members are enabled to execute in smaller pieces of focused work.
The basic concept behind an Agile team is to have a collection of individuals working toward a common objective who are adaptive to shifting client needs. They are individuals who practise shared leadership and are self-directed and organised, which sets them apart from conventional teams. A really Agile team is not just any group of individuals, nor is it a team of business analysts who meet each day to discuss their workload.
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What do the terms floor and ceiling mean?
While the price floor is the minimum price that is set for a product, a price ceiling is a maximum price that is set for a product
A price floor is the lowest price that is established for a good or service and below which it cannot be sold. A price floor serves to prevent manufacturers of a specific commodity or service from charging excessively low rates for their wares. A price ceiling is a cap placed on the highest price at which a commodity may be sold. In these cases, a price cap is intended to shield customers from paying exorbitant costs for a certain commodity.
Although price ceilings and floors can both be employed to control pricing in a market, their impacts may vary. Price floors can result in a surplus, or an oversupply, of a specific article or service since they prevent producers from selling their commodities for less. Price caps can result in shortages or excessive demand for a given commodity since customers are ready to pay more but aren't authorised to.
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Does disposable income increase when net taxes increase?
Increased net taxes lead to less money available for spending. Consumers often spend less when they have less money available. As a result, a rise in net tax results in lower economic consumption.
Total personal income less current income taxes equals disposable income. Personal income less personal current taxes is referred to as disposable personal income in national accounts terminology.
Personal savings are obtained by deducting personal expenditures, which primarily consist of personal [or private] consumption expenditures. As a result, disposable income is the amount of money that is left over after all taxes have been paid.
Restated, after taking into consideration transfers like payments for school-related expenses for children or senior parents' housing and care arrangements, consumer expenditure plus savings equals disposable income.
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1. how will benson's plan affect the return measure? what accounting issue is involved? 2. is the proposal ethical? is the desire to boost return justification for the questionable accounting treatment of the transaction? please explain. 3. who would be affected if the proposal is implemented?
The Benson Plan would raise the proportion due to the rate of return on assets, which is calculated by dividing net income by asset.
How will Benson's plan affect?The higher interest rate that Benson's plan accepts has an impact on the return metric. The company's notes are accepted at a 20% discount, or $10 million for notes with a $12.50 million face value. It will have an impact on the asset return, which is assumed to be at least 12%. The corporation can issue shares, but there is no specified selling price, which creates an accounting problem.No, the plan is morally correct since taking out loans with higher interest rates will reduce the assets' return on investment. If domestic shareholders accept the shares, the corporation will be able to meet its aim for return on assets.Domestic shareholders who accept the company's shares will be impacted by the proposal's implementation owing to a lack of return.To know more about Benson, visit:
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a company has fixed monthly costs of $110,000 and production costs on its product of $32 per unit. the company sells its product for $54 per unit. the cost function, revenue function and profit function for this situation are a) exam image b) exam image c) exam image d) exam image e) exam image f) none of the above.
A profit function is a relationship that shows the difference between the cost and revenue functions.
What is profit function?The following are some definitions:
The cost function, which consists of variable and fixed costs, is given by
C(x) = fixed costs + x . variable costs
The revenue function is represented by
R(x) = x . p(x)
where x denotes the number of units sold and p(x) denotes the price per unit.
The profit function is defined as
P(x) = R(x) - C(x)
Here given:
$110,000 in fixed costs
The variable costs are $32 per unit.
The price per unit is $54.
Using the above definitions and information, we can conclude:
cost function C(x) = 110,000 + x . 32
revenue function R(x) = x . 54
profit function P(x) = 54x - (32x + 110000)
= 22x - 110000
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What five safety precautions should you follow when working with chemicals?
In order to have a safer work place you must follow some rules and the same goes for safety from chemicals.
1. Keep your area organised and neat.
2. All facility users should be made aware of any hazards.
3. Follow standard safety measures.
4. Please use engineering controls.
5. When required or required by law, use PPE.
6. Follow the recommendations for high-risk substances.
All measures taken to reduce the danger of exposure to potentially harmful chemicals are included in the concept of chemical safety. This covers the dangers of exposure to those using the chemicals, to the environment around them, and to the ecosystems and populations that live there. Many chemicals can become more dangerous if they are heated, combined with other chemicals, or handled improperly.
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the effect whereby slight demand variability is magnified as it moves back upstream in the supply chain is known as:
A supply chain phenomena known as the bullwhip effect explains how modest changes in demand at the retail level can lead to steadily bigger changes at the wholesale, distributor, manufacturer, and raw material supplier levels. The physics of a whip crack inspired the name of the effect.
Which one most accurately sums up the bullwhip effect?
The bullwhip effect is best exemplified by which of the following? A modest variation in demand that causes a chain reaction along the supply chain is known as the bullwhip effect. Further up the supply chain, the ripple can cause a significant variation in demand for components or raw materials.One of the most well-known and recognized theories in the realm of operations management and research is the bullwhip effect. Bullwhip is a word used to describe how slow-moving customer demand causes significant fluctuations in output for the providers at the other end of the supply chain.
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Executive reports are summarized from ___________ reports. Management Tactical Supervisor Strategic
Executive reports are summarized from management reports. The correct option is A.
Which management level has the most summarized reporting?
The reports will be longer or more summarised the higher the management level, and they will be shorter the lower the management level. Foremen, a section in charge, supervisors, and other lower-level management personnel.
Management reports are condensed into executive reports. Smaller versions of lengthy management reports are called executive reports. Giving a brief summary of the primary report saves the reader time.
Thus, the ideal selection is option A.
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Do Shipt drivers have to wear the shirt?
Casual attire, they do have a couple shirts that they give you, but you're not required to wear them.
Shipt shoppers set their very own schedules in step with their busy lives! They keep for and deliver groceries to Shipt's contributors within a requested time body. Scheduling, accepting orders, and shopping orders are all carried out via the Shipt consumer app.
The respectable base Shipt tip from the corporation's angle is $0. however, it is properly to think of 10% because the base tip amount to give a consumer. despite the fact that customers do now not expect to receive a tip on every order, you need to do not forget tipping on every occasion. Consumers get paid consistent with shop, so the greater you store, the extra you earn. shoppers also hold 100% in their recommendations, and Shipt encourages contributors to tip, so you'll make more for offering wonderful service.
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What are the 3 ways to file taxes?
The three ways to file taxes is by hiring an advisor, by e-filing and by sending through traditional mail.
Taxes are collected by the governments of various countries as a form of revenue and these taxes are paid by the citizens of that country in the form of additional amounts on the commodity they buy or the services they avail. The filing of taxes can be done by the means of online portal through e-filing the tax. This is the most recent development in the filing of taxes and it involves the least paperwork. The second method is by hiring an advisor by paying him some fees and the advisor will file the taxes. The last method is by sending the document with the help of e-mail. This is the oldest means of filing taxes.
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What is the relationship between risk and return a higher risk often means a higher return?
Risk and return have a direct inverse connection. Bigger risks result in higher profits, and vice versa.
Will taking on more risk result in a lower rate of return?The first is the idea that profit and risk are mutually exclusive. An investment's ability to yield a sizable return increases with the likelihood that it will lose money. Likewise, the possible return from an investment will be smaller the lower the risk it carries.
There are numerous formulas, techniques, and algorithms devoted to studying and making an effort to quantify the link between risk and return.
Risk and return have a direct inverse connection. Bigger risks result in higher profits, and vice versa.
The SF Ratio, often referred to as Roy's safety-first criterion, is a method for making investment choices that establishes a minimal necessary return for a specific amount of risk. Its formula offers a likelihood of obtaining a minimum necessary return on a portfolio.
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What is a benefit of applying artificial intelligence AI to Accenture's work Accenture?
One of the main benefits of applying artificial intelligence (AI) to Accenture's work is the ability to automate repetitive processes. Artificial intelligence can automate mundane and laborious tasks like data entry, allowing employees to focus on more complex tasks that require more skill and creativity.
AI can also quickly and accurately provide insight into large volumes of data, so Accenture can use that data to make more informed decisions. Artificial intelligence can help Accenture identify trends and anomalies that may not be obvious to humans, enabling them to make better decisions faster. AI can also help Accenture develop a more personalized customer experience and predict customer behavior more accurately.
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Most fast-food restaurants are focused on attracting ________ customers.Multiple Choicea. low-involvementb. wealthyc. derived-demandd. government
The majority of fast food establishments strive to draw in customers who have low-involvement .
When making low-involvement purchase decisions, customers spend less time and gather fewer information. They therefore don't give their purchase selection much thought. This is partly due to the fact that low participation products are frequently inexpensive and have low failure costs. There are various circumstances where little conscious decision-making occurs together with uncertainties, especially with low involvement items and often purchased consumer packaged goods. In these circumstances, a stochastic model that emphasizes the randomness of choice is preferable than a deterministic approach.
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What are 3 types of credit cards?
There are three different kinds of credit cards: secured, low-interest, and cashback.
What exactly is a secured card?An additional kind of security for a credit card is a cash deposit. In the event that you are unable to make the required payments, the deposit will protect your account and provide the credit card business piece of mind.
What precisely are credit cards with low interest rates?Long-term and low monthly interest rates are characteristics of low APR credit cards. Maintaining credit cards becomes less expensive. Credit cards with introductory APRs of 1.5% to 3% are considered low-interest cards.
What are cash back credit cards?You can choose to receive reward points or a portion of your spending back in cash when using credit cards with cashback programs. They only make sense if you consistently pay off your balance in full each month and stay within your credit limit. In that situation, the benefits will be outweighed by the interest you pay.
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Which of the following is NOT an effect from a change in the federal funds rate?
A. change in aggregate demand
B. change in the real interest rate
C. change in investment
D. change in government expenditures
E. change in the quantity of money
Change in government expenditure is not an effect of a change in the federal funds rate
The federal funds rate is the interest rate at which banks can lend or borrow overnight funds from each other. It is set by the Federal Reserve and is used as a tool to help achieve its monetary policy objectives. Whereas, a change in government expenditure refers to a change in the amount of money that the government spends on various programs and activities.
Government expenditure can include things like spending on defence, education, healthcare, and infrastructure, among other things. There is generally a relationship between the two, as changes in the federal funds rate can affect the overall level of economic activity and inflation, which can in turn affect the government's budget and spending decisions.
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an account that allows you to save money, as well as make deposits and withdrawals.
a bank account that lets you deposit money, withdraw money, and save money. a checking account
How Do Checking Accounts Work?
In a financial institution, a checking account is a deposit account that permits both deposits and withdrawals. Checking accounts, also known as demand accounts or transactional accounts, are relatively liquid and can be accessed via cheques, automated teller machines (ATMs), and electronic debits, among other methods. A checking account varies from other bank accounts in that it frequently permits unlimited deposits and a restricted number of withdrawals, in contrast to savings accounts that occasionally restrict both.
Anyone who frequently wants to make withdrawals or other bank account operations should have a checking account. Generally speaking, opening a checking account is extremely simple. You can apply online or in person at a bank location and receive a checking account within an hour.
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What causes increase in cost of production?
It is possible to determine the causes of rising prices by dissecting the supply chain's most basic components, such as the materials used in production, the people who make the products, and the mode of delivery.
What takes place when production costs rise?Cost Growth Drives Price Growth. Due to the fact that the price a company will set for a product is equal to the sum of the cost of production and the intended profit, if the cost of manufacturing goes up, so will the price for the product. Businesses purchase more of the raw materials and inputs they require from suppliers when consumer demand is higher in order to meet that demand.
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Customer touchpoint critical steps include
a.
sharing.
b.
perspiration.
c.
inspiration.
d.
A and C above.
The Customer touchpoint critical steps include sharing and inspiration. The correct option is (D).
What do you mean by the Customer touchpoint?Customer touchpoints are all the points where a customer interacts with your brand.
Customers might come across your company online or in an advertisement, check out ratings and reviews, go to your website, shop at your physical store, or get in touch with your customer care, for instance.
In fact, reference management, field service intelligence, workflow management, sales quoting, customer segmentation, and billing are the six main customer touch points that enterprises of all sizes and CRM complexity levels frequently ignore.
Therefore, the Customer touchpoint critical steps include sharing and inspiration.
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Which component of an enterprise platform focuses on this aspect of the company's needs?
Core processing is the component of enterprise software focuses on this aspect of company's needs.
What is an enterprise software?Computer software used to fulfill corporate needs rather than those of individual users is referred to as enterprise software (sometimes known as enterprise application software, or EAS). Such organizations include, but are not limited to, businesses, schools, user groups focused on a particular subject, clubs, charities, and governments. These systems manage a range of organizational operations to enhance business and management reporting tasks. The systems must process data very quickly and can be utilized on many different networks. Enterprise software frequently includes functionalities for commercial use as part of its offerings. Since similar departments and systems are frequently shared by enterprises, enterprise software is occasionally provided as a collection of flexible packages. These IT solutions can be used to manage databases, client interactions, supply chains, business operations, and other things.
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