Skye Bank Customer Alert – Beware Of Hackers

One of the features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer’s mobile phone without the customer initiating a request for the information. For example push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer’s bank account, such as a withdrawal of funds from the ATM or a payment using the customer’s credit card, etc.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of pull messages for information include an account balance enquiry, or requests for current information like currency exchange rates and deposit interest rates, as published and updated by the bank.

The bank’s customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank’s customer service call centre.
It is however sad to note that fraudsters and internet hackers have capitalized on this laudable innovation to rip people off their money. So it is important that as a bank account holder or intending holder you should be aware of this trend and choose the right bank to bank with where your money will be properly secured through adequate online security tips.

Skye bank as a customer friendly bank knows about the activities of these fraudstars and has developed security measures to protect its customers finances. If you are a Skye bank account holder, you might receive emails that seem to emanate from the bank.The mail might even carry the names of Skye bank top Management staff or Director. Some of them may require you to send in information on your Bank details, Pin codes and even your personal information as contained in the bank’s database of you. They might also claim to have access to large sums of ($)US dollars for you domiciled with the bank. Please note that these are scam mails and you should be very careful to avoid being a victim to fraudsters.

As part of its commitment to online security, Skye bank has developed some security tips for all its customers to recognize when they receive emails or letters from potential fraudsters.

Please note that Skye Bank would never ask you to disclose your account number or Pin code on the internet. Also Skye Bank would never ask you to disclose personal information on the internet.

You should also note that Skye Bank site would always carry a security certificate which would be visible on access to the bank’s site and be sure that the site you are on is a genuine Skye Bank site.

In addition Customers should not open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.

The official Skye Bank web address is www.skyebankng.com. If you are still in doubt, please get in touch with your nearest branch or call us on (000 234 1) 8531655, 8948103, 07028390633-5

Customer Intimacy And Empathy Are Keys to Innovation

“Above
all, we know that an entrepreneurial strategy has more chance of
success the more it starts with the users – their utilities, their
values, their realities … the test of an innovation is always what it
does for the user…it is by no means hunch or gamble. But it is also
not precisely science. Rather, it is judgment.” – Peter Drucker,
Innovation and Entrepreneurship

Just because a company is
spending money on research (such as markets, customers, or new
technologies) and development doesn’t mean they will get innovation.
Innovation, as with advertising, training, or many other organization
investments, depends on the quality of the investment as much as the
quantity of resources put in it. A high proportion of innovative new
products, services, and companies flop. That’s often because managers
build better mousetraps without first making sure there are any mice out
there. Or that people still want to catch them.

Many innovations
come from a deeper level of customer and market understanding. They go
beyond what current customers say they need. They solve problems that
customers either don’t realize they have or didn’t know could be solved.
These innovations create needs and performance gaps only once customers
start using them and get turned on to the possibilities.

Every
product and service we now take for granted was once silly, interesting,
or just an odd curiosity. What would we have said to a market
researcher asking about a video machine for our TV when there were few
movies to rent? How about CD players when there were no CDs to buy? What
about a bankcard to withdraw cash from an ATM? How about a personal
computer? In the fifties, how highly would we have rated the need for
jet planes when our business was conducted within a few hundred-mile
radius of our office?

These are a few examples of the thousands of
innovations that customer or market research and competitive
benchmarking would never have identified a need for. The companies who
pioneered these sorts of innovative breakthroughs had years of
spectacular revenue growth and market leadership.

Walking in Our Customer’s Shoes

“The
need for innovation on an unprecedented scale is a given. The question
is how. It seems that giving the market free rein, inside and outside
the firm, is the best – perhaps the only – satisfactory answer.” – Tom
Peters, Liberation Management: Necessary Disorganization for the
Nanosecond Nineties

Innovation is a hands-on issue. It calls
for an intimate understanding of our current customers and markets,
potential new customers or markets, team and organization competencies
and improvement opportunities, vision, values, and mission. We can’t
develop that intimacy from a distance. Studies, reports, surveys,
graphs, and measurements wouldn’t do it.

Effective innovation
depends on disciplined management systems and processes. But it starts
with people. People searching for creative ways to do things better,
different, or more effectively. People trying to understand how other
people use, or could use, the products or services their organization
could produce. That makes innovation a leadership issue.

Beyond
the management tools of surveys, focus groups, and the like, innovation
leaders find a multitude of ways to live in their customers’ world.
They’re learning how to learn from the market, not just market research.
Innovation leaders look for ways to align the organization’s product
and service development competencies with latent or unexpressed market
and customer needs. Since customers don’t know what’s possible, they
often can’t identify innovations that break with familiar patterns.

At
the other extreme, leaders recognize that their organizations are
constantly in danger of developing products and services with little or
no market appeal. So many new (or extended) products and services come
from empathic innovation. These are innovations that flow from a deep
empathy and understanding of the intended customers’ problems and
aspirations.

Through living in and empathizing with their
customers’ world, innovation leaders focus their organization’s
development capabilities on solving problems or meeting needs that
customers may not realize could be done.

As my first consulting
company, The Achieve Group, was working with current and prospective
Clients to move beyond the training field to organization improvement,
we stumbled across the need for senior management education, strategy
formulation, and implementation planning sessions. This came from
working closely with Clients struggling to get people in their
organization trained and using new approaches to customer service,
quality improvement, and teams. It became clear that how the senior
management group pulled everything together and led the effort was the
key stumbling block or stepping stone to the whole effort. After
experiments, pilots, and few failures, Achieve’s highly successful
executive retreat process evolved and developed to meet a need no one
had anticipated.

The Online MAC Machine Creating Over $15,000 Per Month on Internet Marketing on Automatic Cash flow

The beginning of an internet marketing career is sometimes very hard, not because the kind work you do but because most marketers tend to give up if the money doesn’t start to flow in the first few days. This is for sure the biggest and most common mistake beginners make and this is the reason why most people never make money on the internet.

Many of my subscribers usually ask me how much money I’m making because so many of them are not making enough money to cover their monthly expenses. In fact I’m making over $15,000 /month. A lot of money can be made on the internet but the newbie’s shouldn’t take it the way many of them take it; they should take it like a real business.

Here’s how it really goes, We begin slow, then you make a few dollars a week, then rinse and repeat and you make a little bit more, and you go building your business and the number of sites you own and so on. Then your income will start increasing slowly and steady

Money will not pour into your bank account like magic and you can’t spend every dollar you make on bills. You need to grow your business by re-investing what you make. That is the reason so many people fail on the internet, they think about the internet as an ATM machine and if they don’t see money flowing in the first few weeks they give up.

If you, as a beginner, are bringing $200 a week with one niche only, and you know how to do it, then you rinse and repeat, make another one, and then 2 more and so on. Yes, it is that easy. Then you start selling your websites, one site making $1,000 a month is worth $12,000 to $15,000, which is 12 to 15 times your monthly revenue.

What I do is this; I sell my oldest site and build a new one every month, this way I always have the same number of sites on my portfolio, and there’s no reason you can’t do the same. But at the beginning you have to re-invest your profits in order to grow.

You will learn something new every day and you will get better at what you do and will make more and more money, but you have to be persistent and don’t give up because getting past the beginner stage is the hardest part, once you see the money coming you will never get out of internet marketing.

Be creative and as you learn, you will come up with your own twist for every strategy you learn and you will make it more profitable and will have a lot of fun in the process, because believe me, you will have fun. And once you have other people doing everything for you your business is basically on autopilot. That is why it is important to outsource.

I know guys making over $100,000 every month with affiliate marketing and they are not better than me, they just got started before I did, but with time and effort I know I will be there too. Just don’t allow yourself to get overwhelmed with information. Concentrate in only one system and one strategy at a time until you make it work for you and then move to the next one and so on.

A lot of cashflow
Dale Dupree is a business coach and mentor that assists serious entrepreneurs in building a profitable online business with multiple incomes streams. http://www.SecretAffiliateMarketing.info