Monthly Archives

September 2023

80-20 Law In Love
RelationshipRomanceWriting

The 80/20 Rule In Love | The 80/20 Theory In Romantic Relationships

by Shamsul

The 80/20 Rule In Love | The 80/20 Theory In Romantic Relationships

Understanding the 80/20 rule in love means giving yourself a chance to be able to have a successful romantic relationship. Let me explain… Many people would like a romantic relationship to be perfect. This is probably where the biggest mistake lies, and it is also one of the reasons why so many people break up and end up single. Because there is no relationship without gaps, it is a utopia. The human being is quite wrong to think that the grass is always greener in the neighborhood and that there can be better elsewhere… This is where the famous law of 80/20, the Pareto law, comes into play in love.

 
80% Positive, 20% Negative For The 80/20 Rule In Love
 

Many researches in psychology show that in a normal and stable life as a couple, we would obtain 80% of what we are looking for in the other, which in my opinion is a more than interesting percentage! The remaining 20% would be summed up in what we consider more negative or what we cannot have. Unfortunately, people tend to focus more on what they can’t have, the 20%, which leads to disagreements, frustrations, arguments, and separations.
 
   
 
 
How To Perceive The 80/20 Rule in Love In Real Life
 

You have met a person who suits you… In addition to being to your taste physically pleasant, this person has several interests and values in common. However, unlike you, who likes to go out and meet friends, this person is more reserved and prefers evenings at home with you rather than frequent outings. This bothers you greatly… Despite all the qualities you may have perceived, human nature always tends towards the negative, towards what annoys it. The famous 20%! Rather than focusing on the 80% of qualities that you could find in this person, you remain fixed on the 20% of negatives or what you like less.
 
Then one day you meet THE PERSON who loves going out, just like you! You jump at the chance, thinking this is what you were looking for… Everything looks perfect; now you have what you were looking for…. But no. You will quickly realize that the 20% you found will not compensate for the 80% you had, your already established happiness.
 
Even if this rule seems obvious, it is not because the majority of people do not apply it. The proof is that many people let go of a person who suited them in almost every way for a single inconvenience.
   
 
 
 
80/20 Rule For Happy Life as A Couple
 
To have a happy life as a couple, you have to accept that perfection does not exist! As much in love as in friendship or even at work, there is no perfect world. You have to know how to appreciate what you have and put water in your wine for what suits you a little less.
 
The next time you think your partner is the wrong person, skip the argument and think about this law again. If you receive 80% positive in your life and 20% negative, is it really worth risking everything to look elsewhere? Forget the 20%, which is definitely not that bad after all!
 
 
80/20 Law In Love (the Pareto law in love)
 
By applying this 80/20 law in love (the Pareto law in love), you will see that your couple will be much better off and that you will be happier!
   
 
Would you like to elaborate more on the matter and understand all the key elements in order to be able to have a healthy romantic relationship?
 
 
 
Need Help or Advice in Academic Writing
 
See Samples
 
https://independent.academia.edu/shamsulIslam8
 
Need Help or Advice in Content Writing Management:
 
Would you like more advice? Do you have good practices to share? Please feel free to express yourself in the comments. Also, if you want help in writing content to drive more traffic and boost conversions, please get in touch through Contact our team or send your requirements here.
   
 
Do you want help writing quality content, driving traffic to your website, and boosting conversions? You can contact me through my Freelancer.com profile. I always prefer to work through my Freelancer.com profile for smooth functioning. Here, you pay safely and securely.
 
 
Read More:
 
HOW TO REVIVE SEXUAL DESIRE IN THE COUPLE
 
HOW TO PLAY WITH YOUR LOOK AND SEDUCE
 
THE NEED TO SHOW LOVE IN RELATIONSHIP
 
 
 
 
  0 comment 
 
 0 FacebookTwitterPinterestEmail 
 
 
 
 
 
  Romantic Relationship  
 
 
Better TipsRelationshipRomanceTrendingWriting
 
The First Few Months Of A New Romantic Relationship
 
 by Shamsul   
 
 
 
 
 
 
The First Few Months Of A New Romantic Relationship
 
 
  
The first few months of a new romantic relationship are magical, aren’t they? However, you have to be careful because, despite the magic, the first months of a new romantic relationship are also fragile. It is at the beginning that the relationship can become anchored or crumble… There are doubts and fears, and we wonder if this is really the right person for us. The idea is to adopt the attitude that you would like the others to have toward you.
 
You must know what you want to bring to the other and what you would like them to bring you in exchange, but without expecting too much from the start. Here are some tips for a successful first few months of a new romantic relationship.
 
 
Avoid Certain Topics In The Beginning of The Romantic Relationship
 

Remember that the words you use can have repercussions. And so there are bound to be subjects that I advise you to avoid. For example, avoid talking about politics and discussing sensitive topics where opinions can be very controversial. Go a little at a time for this kind of subject to make sure you are on the same wavelength.
 
I once coached a woman who talked about some Arab immigrants. The man she was flirting with had family in this country. He felt targeted by her words and told her that he did not appreciate these judgments, and suddenly, a cold settled between them during the appointment. He never contacted her again.
 
 
Reflect On Your Past Mistakes
 

In order to avoid repeating the same mistakes that could have led to a breakup, identify them and, above all, avoid repeating them. They say it’s important to learn from our mistakes; now is the best time to apply this saying 😉
   
 
Avoid lying even if you are at the beginning of your romantic relationship
The worst thing to do in a new relationship is to tell lies. Whether it’s about your tastes, your past, or your friends. You will only put your feet in the dishes! To start a relationship on lies is to reduce the chances of living a healthy relationship. It is better to assume who you are and present yourself in your true light. If the other doesn’t like what he sees of you, it’s always better to know it right away, even if it can hurt.
 
 
Do Not Invade The Bubble of The Other
 

Some people are very comfortable with hugs and closeness. However, for other people, it can take a while to feel comfortable, and sometimes, despite all the love they have to offer, they don’t like having their bubble invaded too much. or their personal space at any time! In short, be careful on this point because it can lead to friction quite quickly! The other might even think that you suffer from emotional dependence.
 
 
At the beginning of a romantic relationship, the attachment, you have to be aware that it has not yet developed and that time will do this work. This doesn’t mean that there is nothing between you, but rather, it is an attraction and not an attachment. Inevitably, because this is only the beginning, everything can quickly change, whether on one side or the other. Very often, it is the misunderstandings that ruin a budding love story. The fault with an idealization of the sentimental life. We have the feeling of knowing each other forever, so suddenly, we behave as if it were the case. Even if you have a lot of affinities, don’t forget that you are two very different people.
 
 
One Day At A Time To Build Your New Romantic Relationship
 

During the first few months of a new romantic relationship, it is best to take it one day at a time. To consider living together and having children after a few weeks of relationship could scare the other away and ruin your chances of success. Even if you think he’s the man or woman of your life, keep a little embarrassment and take it one step at a time! Taking your time to get to know each other is imperative. And it is only with time that this happens. When we try to skip steps by spreading loud and clear all our desires and feelings too quickly, it can scare the other. I strongly encourage you to live in the moment! Maintain the lightness of the first months, and have confidence in yourself!
   
 
 
A Big Mistake At The Start of A New Romantic Relationship
 

Love doesn’t have to be perfect. It should only be true. What you should avoid is getting inspired by Hollywood movies, Netflix series, and other or worse cartoons when you meet a new person. It’s often just a dream, it’s idealism, it’s not real life! It’s totally romantic! If you think about it, maybe even several times you have had such a romantic relationship fantasy or had a behavior taken from these films and series. There has been a lot of conditioning since childhood. It’s not your fault; we put that in your head, but it’s time to deprogram yourself from it! Fight this phenomenon because real life never plays out like a movie or a series!
 
 
Deal With Your Differences From The Start
 

Even when two people have known each other for a long time, for example, they frequent the same friends, to start a love story well, it is therefore necessary to know that many differences can arise and that there are misunderstandings. Even if there are many strong feelings at the beginning, if you want to get started quickly in the beginning of your romantic relationship, try to love what brings you closer but also what distances you. The loved one will feel understood but also accepted, and there is nothing stronger to start a relationship. Instead of saying to yourself: “we are too different,” you will say to yourself: “we are different but we complement each other well in spite of that.” 
 
 
Know What You Expect From The Relationship
 

It’s good to know what you expect from a potential partner. You need to be clear about this. But it’s repulsive to put everything on the table right away. Do not establish your plan over 20 years from the first appointment. It can be intimidating for your partner. It also means that you have been denied the opportunity to see how things will develop naturally with this person.
 
 
Don’t Be Too Rigid In What You Want
 

It’s good to have an idea of the kind of person you would like to spend your life with. But being too rigid at the start of a relationship can kill promising romances. Think about what that other person is as an individual, not in terms of political beliefs or whether they are vegan or otherwise. Put away your checklist. It’s not a good idea to interview someone on a first date. Ask her how much she earns or what her ownership status is. This is not a natural way to get to know someone. You are a potential partner, not a recruitment consultant.
 
 
Be Authentic | Romantic Relationship
 
The first few months of a new romantic relationship are magical, aren't they? However, you have to be careful because, despite the magic, the first months of a new romantic relationship are also fragile.
 

 
At the start of relationships, you often want to put your best foot forward. Be the cool girl or boy who is ready for anything, never complains, and always looks fabulous. When you start dating someone first time, you can put on a bit of a show. You try to perform instead of being authentic. But it is an exhausting pretext to maintain over the long term. Why not just be yourself? I try to encourage people to realize that it’s cooler to be yourself. If you’re trying too hard to play with someone, they’re probably not the right person for you anyway.
 
 
Avoid Being Too Available
 
When you think you’ve found the right person, it can be tempting to reschedule all your earlier plans and hole up together. You stop contacting your friends and start planning your whole life around when you can see him. You put aside any hobbies or interests you have. But if you do that, you risk finding yourself isolated. In my experience, couples who spend all their time together don’t seem to work. It becomes toxic and Co-dependent. Instead, adopt a healthy distance. You must have friendships, hobbies, and interests outside of your relationship. Beware of the love bubble. It always breaks out, whether you like it or not.
   
 
 
Don’t Go Too Fast | Romantic Relationship
 
When you’re caught up in the dopamine of a new relationship, it’s tempting to want to hit all the big milestones as quickly as possible. Many of my clients make the mistake of going too fast in general. Telling someone that you think it’s them and that you’re deeply attached to them after a date or two is not good. Don’t meet your new partner’s friends and family for at least three months. It’s okay to take things at a slower pace sometimes. Your partner wants to meet your friends and relatives after a very short time. But it’s good to take it at a slower pace. If you rush and everything falls apart after three months, you may feel helpless.
 
 
Posting Too Much of Your Life Online
 
Be careful what you post on social media. It can be wonderful to think that you have met your soul mate. But remember that if the relationship is going to be important, you don’t have to rush things. For now, hold off on the loving romantic tributes. If you post, “I’m in a fabulous relationship, I think this is it.” Your new partner might see it, and if it’s not you that’s on his mind, he’ll dump you before it even starts. If the relationship isn’t working out, you might feel embarrassed.
 
 
Set Clear Boundaries Early On
 
The first 3-4 months of a romantic relationship set a clear tone for the rest of your time together. If you’ve permitted the relationship to be on your partner’s terms, you’ll have a hard time getting over it. You need to have some respect for yourself and have very clear boundaries when it comes to dating. Be brave enough to set your limits and say, This is what I need and want. Many people are afraid to express themseleve how they want to be treated for fear of being rejected. But it is better to know now than later.
 
Also, people are respected to those people who know their own worth rather than accepting the crumbs and leftovers of bad behavior. Because they think that’s all they can get. You must be brave enough and don’t be afraid to negate or challenge your partner or blame them for their behavior during these first few months. If you let things slide now, it will be difficult for you later.
 
Advice: 
 
Do not reveal all of your past in a few meetings. Go gradually and learn to reveal yourself slowly but surely! In addition, it is normal not to agree on all the subjects of life, but give yourself the time to discover them so that it does not push you away from each other. beginning of a romantic relationship, avoid subjects that may raise too many questions. It is better to have a more united couple to talk about a subject of disagreement.
 
To make sure you have all the tools in hand to build a great story, whether short or for life. We have best wishes for a new love relationship and for having lasting love.
   
 
 
 
Need Help or Advice in Academic Writing
 
See Samples
 
https://independent.academia.edu/shamsulIslam8
 
Need Help or Advice in Content Writing Management:
 
Would you like more advice? Do you have good practices to share? Please feel free to express yourself in the comments. Also, if you want help in writing content to drive more traffic and boost conversions, please get in touch through Contact our team or send your requirements here.
 
Do you want help writing quality content, driving traffic to your website, and boosting conversions? You can contact me through my Freelancer.com profile. I always prefer to work through my Freelancer.com profile for smooth functioning. Here, you pay safely and securely.
 
 
Read More:
 
10 THINGS MEN WANT FROM THEIR ROMANTIC RELATIONSHIP
 
HOW TO REVIVE SEXUAL DESIRE IN THE COUPLE
 
HOW TO SEDUCE A MAN NATURALLY
 
 
 
 
  0 comment 
 
 0 FacebookTwitterPinterestEmail 
 
 
 
 
 
  Seduction  
 
 
RelationshipRomanceWriting
 
How To Do Seduction Without Saying A Word
 
 by Shamsul   
 
 
 
 
 
 
How To Do Seduction Without Saying A Word
  
In the game of seduction, it is optional to hold long speeches. The flirt without words has its codes that we dissect here.
 
1 – Work On Your Posture
 
Standing in the subway or sitting in your office chair, you must convey an image of confidence and a certain presence. Stop slouching in your chair and sit up straight. Leaning on a bar, stop taping your shoes and raise your head to give off an image of self-confidence.
 
 
2 – Look Her In the Eye
 
Your gaze is a very important seductive asset. Remember to always look people in the eye. There you are, too low young man; it is not the eyes!
   
 
 
3 – Be In A Good Mood
 
If it’s to sulk all evening, you might as well stay home and watch the latest season of Dexter. Show or simulate your joy of life by wearing a wide smile. Granted, some women are interested in the shy ones from the back of the class, but not the majority.
 
 
4 – Multiply Contacts
 
Do not hesitate to pass behind this pretty brunette several times at the back of the bar while grazing her hair or touching her hand. Be careful, though; this step requires you to make eye contact and exchange a few smiles. Otherwise, you could end the evening in the cell.
 
 
5 – Appear As the Leader of Your Group
 
If you’re with friends, don’t sit back and giggle at the jokes of the band’s comedic nickname. Establish yourself as the center of the conversation and, therefore, attention.
   
 
 
 
 
 
Need Help or Advice in Academic Writing
 
See Samples
 
https://independent.academia.edu/shamsulIslam8
 
Need Help or Advice in Content Writing Management:
 
Would you like more advice? Do you have good practices to share? Express yourself in the comments.
   
 
Also, if you want help in writing content to drive more traffic and boost conversions; please get in touch through  Contact our team.
 
Do you want help writing quality content, driving traffic to your website, and boosting conversions? You can contact me through my Freelancer.com profile also. I always prefer to work through my Freelancer.com profile for smooth functioning. Here you pay safely and securely.
 
   
 
 
Read More
 
NEW RELATIONSHIP | 5 QUESTIONS TO ASK YOURSELF BEFORE COMMITTING
 
THE NEED TO SHOW LOVE IN RELATIONSHIP
 
RELATIONSHIP STEPS TO HOLD THE MAN FROM WITHDRAWING
 
 
 
 
  0 comment 
 
 0 FacebookTwitterPinterestEmail 
 
 
 
 
 
  Banking Industry  
 
 
BusinessManagementMarketingScholarlyWriting
 
The Research Proposal For Banking Industry
 
 by Shamsul   
 
 
 
 
 
 
Research Proposal For Banking Industry
  
 
Research Proposal
 
Banking Industry
 
Citi Bank
  
Contents
 
Executive Summary.
 
Introduction. 
 
Management Decision Statement.
 
Research Questions.
 
Business Research Objectives. 
 
Report Research Design. 
 
Ethical Concerns. 
 
References. 
 
 
 
 
 
Executive Summary
 
The research proposal explains initially the need to conduct this research. It is shedding light on some recent facts and figures that clearly explain. Why Citibank requires immediate remedial actions if it wishes to challenge competitors and restore its former position in the banking market.
   
 
The proposal discusses how Citibank has suffered and how it can bounce back through exploiting its own competencies and brightening up and adding a new life into its core competitive advantages.
 
The proposal extends the need to research and investigate two main objectives that are proven to offer results when applied efficiently. First is expansion in developing economies, and second incorporating technology in banking operations.
 
The research will be based on a mixed-method research design. Where both quantitative and qualitative research data used to derive answers to the research questions.
 
All ethical concerns are in under consideration to ensure that all parties/individuals involved in the research are aware of the research’s purpose.
 
Introduction
 
Citibank, the Global Consumer Banking (GCB) division of CitiGroup revealed in its 2017, second quarter statement. A total earning of $8 billion which is an increase of 5% compared to the same period in 2016 (Citi, 2017). Revenues were also recorded at an increase of 5%, derived from a 5% increase in both the North American GCB operations and International GCB operations (Citi, 2017).
 
The net income of Citibank’s GCB operations decreased by 12% in the second quarter of 2017, revealing an income of $1.1 billion (Citibank, 2017). The revenues were highly cut down as an offset of higher operating expenses and high credit costs that prevail currently. The operating expenses also enhanced by 5% both on a constant dollar basis and reported basis largely owed to Costco portfolio addition. Other reasons include continued investments by the GCB branch growth in volume, which were measures taken as an ongoing efficiency saving technique (Citi, 2017).
 
 
In a break-up analysis of Citi Bank’s GCB operations, North American GCB revenue was recorded at $4.9 billion, and the International GCB operations even though showing 4% increase, still amounted to $3.1 billion (Citi, 2017). Similarly, net income reported from the North American GCB operations revealed earnings of $670 million, a decrease of 18%, whereas the International GCB operations showed an income of $455 million which is a decrease of 3% (Citi, 2017).
 
 
The above figures clearly depict that Citibank is struggling to keep its market competitiveness. Even though the banking industry has been experiencing a downfall worldwide; however, banks are employing new techniques to exploit areas that can offer them a competitive edge, using which they can enhance not only their annual performances but also offer tough competition in the already competitive global banking market.
 
American Express Bank, is a credit card giant and gains its competitiveness from its various loyalty and credit card offers. For example, Citi credit card offers more than 2 billion different credit cards, manages about 60 billion credit card transactions, and focuses on the transaction volumes of customers offering various benefits (Trefis, 2014). 
 
 
This earns the company a 1.65% increase in share value (Trefis, 2014). American Express comparatively has only 107 million cards, and manages only 6 billion transactions (10% of Visa); however, it shows a 1.71% increase in its share value, as it opposing to Visa focuses on spent amount volume rather than transaction volume (Trefis, 2014). American Express thus earns $33 billion worth of revenues, with Visa earning only $14 billion (Trefis, 2014).
 
As far as the case of Citi Bank is concerned, its competitive edge lies in its global reach, expanding out to 160 countries, where the bank is physically present. This report analyzes how this competitive advantage can be managed and what can be done to help Citi regain its lost glory at a time when the overall banking sector is struggling badly.
 
Management Decision Statement
 
Statement 1 – Expanding Global Consumer Banking Operations To Developing Countries Other Than Asia Pacific
 
It is a proven fact that Citibank’s biggest strength is its massive global presence, and sighting the level of income and revenue being generated from operations in the past few years, even though Citibank has managed to come out of the crisis it faced in 2007, the bank however is not established enough to sustain growth on a regular basis and thus the need is to enhance and strengthen its ace competitive advantage, global presence. It is clear from the figures discussed in the introduction section that International GCB operations are suffering badly compared to North American GCB operations. 
 
In a scenario where even though the European banking region is suffering overall, increased banking activities are being experienced in developing countries (Middle East and African region, also including the Latin American region), especially in those regions where the use of internet is increasing vastly (Panara, 2013).  The research will focus primarily on which countries would prove to be viable options for Citibank operations to be introduced, and how in the present situation can Citibank incorporate the level of investment required for this expansion.
   
 
Statement 2 – Focusing On Online Banking Services
 
Online banking services is a weak point of Citibank, which needs to be focused on a priority basis so that business that is being lost owed to inefficient online presence and services can be regained.
 
Whatever services Citibank is offering its customers in the name of online services is not at all adequate as to what is currently being offered by competitors in this regard. Secondly, most of the Citibank online services are targeted towards US customers only, ignoring largely customers from other parts of the world (The Nation, 2014). Incorporating technology is an essential element of banking these days as every bank that is competing on any level in the industry today uses technology as its backbone (Kumar, 2012). Banking is a services industry that dwells on customer experience and using technology is the one ensured way to engage with customers in the most reliable manner (Ramey, 2012).
 
Research Questions
 
This research is centered primarily on researching ways through which Citibank can enhance its performance and move towards sustainable growth in the future. According to EY (2012) the global banking outlook was very gloomy with banks facing several structural issues and tackling already struggling economies. Standing at that point the future of banks did not look very bright and this was the time when many banks declared bankruptcy or were taken over. 2013 however was a bit optimistic and even though the prospects may not have been great, they were definitely better (EY, 2014).
 
 
Fast forwarding to 2017, recovery has been evident in Europe, where banking has improved owed largely to refinancing operations of the European Central Bank however challenges still remain limiting the percentage of bounce back. USA in terms of banking has been much better however other factors that depict economic recovery have been very slow, limiting the assumptions as to what the future will bring.
 
Asia has been much better comparatively, with China developing a soft landing for its banks and aiming towards long-term development of the economy, which is good news for banks, whereas rapid growth economies of Asia, other than China, have also largely focused on infrastructure and high-end industry set up, depicting gradual enhancement of economy, signaling a brighter banking future in the region.
 
 
Also, technology integration has been the buzzword in every industry and the banking industry is no exception. Banks have increasingly begun to virtualize their services with a significant increase in banks that operate solely online. This indicates how considerably important it is for banks to incorporate technology in their processes and operations and offer value to their customers (EY. 2014).
  
Keeping these major factors in mind the research questions that will be answered in the report will be
 
Q1 – What countries or regions can offer profitable expansion opportunities to Citibank, transforming into sustainable returns over time?
 
Q2 – What should be done to incorporate technology in the banking operations of Citibank and how can Citibank reach out to its International customers via online operations?
 
 
Business Research Objectives
 
The General Research Objectives of the report are specific research on ways through which Citibank can enhance its market share and organize its annual earnings and revenues in a manner that induces some level of sustainability. 
 
Specific objectives of this research include
 
     
  1. To analyze the viable options of expansion that will not only enhance the competitive advantage of Citibank but also offer means of sustainable growth in future operations.
    2.  
  2. To develop a proper plan of expansion.
    3.  
  3. To determine how technology can be used to aid the business operations of Citibank.
    4.  
  4. To establish a sound online banking system that caters to all customers of Citibank spread in 160 countries.
    5.  
 
 
After the 2007 banking crisis that hit financial institutions, Citibank was one bank that was hit badly, primarily as 60% of the loans the bank was buying were defective. Also, Citibank has always been an aggressive market player which has earned its competitive advantage of being a globally present bank worldwide (Seeking Alpha, 2013).
 
After the restructuring of Citibank started off in 2010 when the government sold off its share of Citibank, and the appointment of a new CEO was made, a lot of changes were brought about in the overall Citibank structure. Citibank has been involved in a lot of purchasing and acquisition deals, however, during the restructuring process, a lot of bad assets were laid off in an attempt to lower the financial debt of the bank, and it was decided that market expansion would be adopted as a measure of expanding operations and revenues.
 
 
Even though the decision was made however no significant action was taken in this direction which is evident from the revenues and income discussed of North American GCB and International GCB. The banking sector is still struggling in North America, with even worse situations in Europe however, the Asian and African banking markets are faring much better and developing economies are in need of banks that can cater to their requirements (Seeking Alpha, 2013).
   
 
By 2013 Citibank’s 60% of revenues were generated from its International GCB operations however this has declined in the previous couple of years and there is a need to explore developing economies in Asia, the Middle East and Africa, where economies are growing and require support of financial statements. A few such markets include India, Malaysia, China (Seeking Alpha, 2013), the Philippines, Myanmar, Cambodia and Laos (Jennings, 2017). All these economies are showing growth rates that recommend their need for financial institutions, with a significantly growing middle class, which serves as the main customer class of Citibank.
 
 
What can benefit from expanding in these areas is that not many global banks are present in these countries to offer any significant competition, but also the absence of Fintech (institutions other than banks that offer finance-related services instantly) offers the chance to capture a wider societal segment, offering instant services that can hamper the success of Fintech in these economies as they progress further on (John, 2017). 
 
 
Assessing newer economies and introducing services that offer the capability of challenging Fintech technologies and services will offer extra benefits and more market share. It is obvious that as economies grow, services from other parts of the world will reach them to offer their services; however, the early movers are always at an advantage as they can establish market demand and offer advance services that will be needed in future, eliminating the ease of market entry for competitors and Fintech companies, owing to the market trust factor involved. Here again focusing on middle-class, small and medium-sized enterprises and any other segment of society that is either under-banked or unbanked at this stage will be key to enhancing market share and annual profits (Vinayak, Lee, Rajendran & Sengupta, 2016). 
 
 
The second main objective of the research is to induce a value-focused digital transformation of Citibank. Online banking and other digital solutions to banking that are readily being offered to banking consumers nowadays by competitors are found to be lacking in Citibank operations. Citibank does manage online banking services. However firstly they need to incorporate more services in their digital offering. It included mobile banking and acknowledging credit card use via mobile (Poh, 2017). This is one area that can be of immense benefit. It will incur only the initial costs of setting up digital technologies. However, that can be used to favor Citibank and satisfy its customers, as later on it can be a leading cost control element of the bank (Vinayak, et.al., 2016).
 
It is an essential requirement for any business, including banks, to adapt to the changing environment and the shift of finances from cash to credit and online transactions demands banks to cater to the different requirements of customers in this area.
 
Report Research Design
 
The research design will constitute a mixed method which will incorporate both qualitative and quantitative data. The qualitative data to be collected from currently performed surveys and research done on the economies of developing countries and the potential they carry for banking. This method will primarily be used for assessing which countries are the most viable expansion options for Citibank. Here examples of expansion in these economies will also considered (if available) to generalize any threats or shortcomings that may be faced.
 
The quantitative research will include information collected from questionnaires sent out to existing and new customers. These are related to what they expect their banks to offer them in terms of technology-based services. Along with collecting information on what is being offered to existing customers and how satisfied they are with these services. This method of research will be undertaken chiefly to assess what services will be needed or demanded by customers. These are based on which information for the next step of how to offer that service/s will be decided upon.
 
 
Analysis of available literature will offer enhanced information on the expansion viability of selected countries. Out of which the best growth-inducing economies can be available for the next expansion projects. Whereas detailed analysis of questionnaires and comprehensive investigation of results can help in assessing which online services are suitable for customers. Thus offering a point from where Citibank can start its online operations. It star focusing initially on popular on-demand services, before moving towards introducing other innovative and enhanced online services.
 
Ethical Concerns
 
All the coolected information about any customer used in the research will be kept secret. These are solely for the purpose of this research. Also, all participants of research will be informed on the reason for collecting this information. Also, will be asked for permission for the given information to be used/limited to this report only.
 
 
 
 
Need Help or Advice in Academic Writing
 
See Samples
 
https://independent.academia.edu/shamsulIslam8
 
Need Help or Advice in Content Writing Management:
 
Would you like more advice? Do you have good practices to share? Please feel free to express yourself in the comments. Also, if you want help in writing content to drive more traffic and boost conversions, please get in touch through Contact our team or send your requirements here.
 
Do you want help writing quality content, driving traffic to your website, and boosting conversions? You can contact me through my Freelancer.com profile. I always prefer to work through my Freelancer.com profile for smooth functioning. Here, you pay safely and securely.
   
 
  
 
References
 
Citi. (2017) Second Quarter 2017 Results and Key Metrics. (online) Available at http://www.citigroup.com/citi/news/2017/second-quarter-2017-earnings.htm [Accessed: 10 Sep, 2017].
 
EY. (2014) Banking And The Global Economy. (online) Available at http://www.ey.com/gl/en/industries/financial-services/banking—capital-markets/global-banking-outlook-2013-14–banking-and-the-global-economy [Acessed: 11 Sep, 2017].
 
Jennings, R. (2017) These Are the Fast Growing Economies In East Asia In 2017. (online) Available at https://www.forbes.com/sites/ralphjennings/2017/03/23/east-asias-5-fastest-growing-countries-in-2017/#56c485085ac6 [Accessed: 10 Sep, 2017].
 
John, A. (2017) The Changing Shape Of Asia’s Private Banking Sector. (online) Available at http://www.scmp.com/business/banking-finance/article/2086780/changing-shape-asias-private-banking-sector [Accessed: 10 Sep 2017].
 
Kumar, B. (2013) The Importance Of Technology In Banking Industry. (online) [Accessed: 10 Sep, 2017].
 
Panara, C. (2013) Citibank. (online) Available at https://www.slideshare.net/chetanpanara/citi-bank-16606482 [Accessed: 10 Sep, 2017].
 
 
Poh, M. (2017) 10 Ways To Turn Your Smartphones Into Credit Card Readers. (online) Available at http://www.hongkiat.com/blog/smartphones-into-creditcard-readers/ [Accessed: 10 Sep, 2017].
 
Ramey, K. (2012) The Role Of Technology In Banking Industry. (online) Available at https://www.useoftechnology.com/role-technology-banking-industry/ [Accessed: 10 Sep, 2017].
 
Seeking Alpha. (2013) Citigroup’s Competitive Advantage. (online) Available at https://seekingalpha.com/article/1584612-citigroups-competitive-advantage [Accessed: 10 Sep, 2017].
 
The Nation. (2014) Role Of IT In Banking Sector. (online) Available at http://nation.com.pk/business/09-Jun-2014/role-of-it-in-banking-sector [Accessed: 10 Sep, 20-17].
 
Trefis. (2014) How American Express Gains A Competitive Advantage From its Closed-Loop Network. (online) Available at https://www.forbes.com/sites/greatspeculations/2014/03/13/how-american-express-gains-a-competitive-advantage-from-its-closed-loop-network/#20ef7a014be7 [Accessed: 10 Sep, 2017].
 
Vinayak, H. V., Lee, G., Rajendran, K., & Sengupta, J. (2016) Weathering The Storm: Asia Pacific Banking Review 2016. (online) Available at http://www.mckinsey.com/industries/financial-services/our-insights/weathering-the-storm-asia-pacific-banking-review-2016 [Accessed: 10 Sep, 2017].
 
 
 
 
  0 comment 
 
 0 FacebookTwitterPinterestEmail 
 
 
 
 
 
  Stay Momttivated  
 
 
Writing
 
Motivation – How to Be Motivated And Stay Motivated?
 
 by Shamsul   
 
 
 
 
 
 
Motivation – How to Be Motivated And Stay Motivated?
  
In this article, we will look at how to be motivated and the sources of motivation. No matter what you do in your life, whether personal or professional. You will not be able to achieve your goals without a certain level of motivation that ensures you continue. Whatever happens and whatever the circumstances and difficulty encountered, you must continue your efforts.
 
 
What Does It Mean to be Motivated?
 
Before knowing how to be motivated, do you know how to define what motivation is?
 
It’s a notion that I became interested in and that I developed when I wrote my paper to complete the Masters in Management.
 
I offer you an extract:
 
“Defining work motivation is not simple because there are multiple definitions, associated with numerous theories, which sometimes conflict.
 
However, everyone agrees on the fact that they participate in a direct and positive way in the company’s results and collective performance.
 
The concept associated with motivation at work has its origins in law and at the time referred to the justification of a court decision in the 20th century.
 
Two psychologists, Edward Tolman in 1932 and Kurt Lewin in 1936, innovated by initiating research on motivation, through defined social groups such as family, school, church and political party. But then it was the work of Kurt Lewin which associated work motivation as a determining factor in performance.
 
“From Manager to Leader 2.0” defines it as “a process which activates, directs, energizes and keeps the behavior of persons towards the success of expected objectives”. I will therefore use this definition to describe what motivation is.
 
 
Why be Motivated?
 
Motivation will be the factor, the energy resource, which will determine whether you will pursue an action or not, whether you will achieve an objective or not, and whether you will be able to get back up after a failure or a difficulty.
 
So, you understand the whole point of being motivated.
 
Your motivation must respond to a deep need, a desire to achieve what you are aiming for!
 
Otherwise, over time, you risk no longer being passionate about your subject and abandoning your project or action along the way, without even having obtained the fruits of your efforts.
 
This is why on January 1, the sports halls are full, then gradually empty over the months, to experience a resurgence of registrations before the summer and to empty again in October, when the winter cold discourages the less “motivated”.
 
 
How to Be Motivated?
 
I partially answered this question above.
 
Your motivation must have meaning for you, a deep meaning, so that if your situation becomes complicated, you keep this vision in mind to move forward.
 
Knowing the destination of your trip helps ease the journey, should it be disrupted or take a little longer than expected.
 
We therefore talk about tenacity, character, courage, desire and more. These qualities are associated with real and concrete motivation.
   
 
You know:
 
Where you want to go and why
 
That nothing can stop you, not even these few mishaps.
 
Or that you will get back up every time.
 
You will learn a lesson from each mistake made, each failure, and will take step after step the tests that will lead you to your success.
 
 
How to Be Motivated Every Day | Motivation
 
On a daily basis, maintaining your motivation requires discipline and organization which I summarize for you here in the form of lists:
 
 
Setting goals: pay attention to the quantity all the same
 
Set a deadline/date by which you want to achieve this goal
 
Break this objective into sub-objectives/steps
 
Spread these steps out with daily/weekly objectives
 
And plan your success with this action plan
 
As simple as that?
 
And yes, the problem is that many people give up one day, then another, only to end up completely losing interest in their goals. Remember the gym example.
 
We start by not going there once, then another, to not going at all.
 
Success is nothing more than a carefully planned process, which is carried out day after day with discipline and standards, and which becomes a habit. Once it is planned, you just have to follow it, like a cooking recipe.
 
However, it is easier to give in to pleasures obtained in the short term than to fight for longer term goals. Unfortunately, short-term goals are rarely the ones that will bring you the most success. On the other hand, it is these small objectives, which cumulatively, will maintain your motivation and validate your final objective(s).
 
Furthermore, procrastination is so tempting: we become the king of “I’ll do it tomorrow”.
   
 
 
How to Be Motivated in Your Work and Your Professional Projects
 
In your professional activity, and whatever your field of activity or your professional projects, it is somewhat the same process.
 
Do you do a job that interests you or is it a “food” job?
 
If this is a career that interests you, it shouldn’t be difficult to maintain daily motivation and a positive state of mind. There are just days when you are a little more tired, and other factors pollute your well-being. So, there is no need to question everything.
 
If it’s food work, and it can happen, here are some tips to get out of this situation:
 
Plan a date when you want to leave your job
 
Define a sector or profession that interests you
 
List skills currently missing (if applicable)
 
Define an action plan to acquire these skills (training, books, internships, volunteering in this area, etc.)
 
Take an interest in possible funding to carry out this training (Personal Training Account, Professional Development Advice, Employer, Job Center for Job Seekers, Regional Council, etc.)
 
Once everything is planned: implement this plan carefully
 
In Europe and USA, we are lucky to have a system that can help us train and change professions. You just need to find out, knock on the right door, to get help or information to guide you. I recommend that you contact the CEP. It is a professional development advice if you are employed or self-employed. It centralizes requests and will be better able to direct you to the contact person best suited to your needs. You can contact them at the link below:
 
 
How to Motivate Yourself in Life | Motivation
 
I deliberately end with a broader question that many people are asking.
 
How:
 
Succeed in life
 
Be motivated in your life
 
To know itself
 
Find your why
 
Know what you want to do
   
 
Stop thinking
 
Ask yourself the right questions
 
These are all the questions that a person can ask themselves at different times in their life. And again, if I had to be honest, this is just a sample.
 
In addition, I will give you some clues which will help you answer part of it, and which will guide you.
 
When you do something or have a job that:
 
Makes you lose all sense of time
 
Motivates you to get up in the morning without difficulty
 
Makes you accomplished and positive
 
And which makes sense and resonates with you
 
In line with your values and your philosophy of life
 
Then there’s a good chance you’re exactly where you need to be.
 
 
 
However, these feelings and feelings evolve over the years, over your life, and the changes you will experience.
 
Ask yourself regularly about your wishes. We sometimes pursue goals out of habit, which we had previously set for ourselves, more than out of desire. There is no shame in letting go of something if it no longer corresponds to a deep wish.
 
Do what makes you happy and fulfilled and you will never feel like you have to work a single day for the rest of your life. Take the time you need to know yourself and understand what is good for you. Once you find it, take action and take action.
 
 
Conclusion on Motivation
 
Through this article, I wanted to provide you with a certain number of keys to understanding the concept of motivation and staying motivated in your projects, whether professional or personal.
 
However, I think you will have understood this well, you can only stay motivated if the objective or dream that you are pursuing results from a deep desire within you:
   
 
Are you chasing your own dreams or the dreams of another person?
 
Are you doing what it takes every day to achieve your goals?
 
Do you have goals?
 
Have you set deadlines for achieving these goals?
 
What do you do daily?
 
Do you need help achieving these goals?
 
If yes, who can help you?
 
A friend, a family member, a professional, a coach?
 
You need to answer all of these questions first. Then, you will be able to move calmly towards your goal.
 
I wish you great success in everything you do.
 
Shamsul
 
 
 
Need Help or Advice in Academic Writing
 
See Samples
 
https://independent.academia.edu/shamsulIslam8
 
Need Help or Advice in Content Writing Management:
 
Would you like more advice? Do you have good practices to share? Please feel free to express yourself in the comments. Also, if you want help in writing content to drive more traffic and boost conversions, please get in touch through Contact our team or send your requirements here.
 
Do you want help writing quality content, driving traffic to your website, and boosting conversions? You can contact me through my Freelancer.com profile. I always prefer to work through my Freelancer.com profile for smooth functioning. Here, you pay safely and securely.
 
 
 
Read More:
 
MOTIVATION AT WORK | HOW TO RECONCILE WITH WELL-BEING
 
WANT TO KNOW ABOUT THEORIES OF MOTIVATION
 
6 TIPS FOR REGAINING MOTIVATION AND STICKING TO IT
 
 
 
 
  0 comment 
 
 0 FacebookTwitterPinterestEmail