Elements Financial, a $1.4 billion credit union based in Indianapolis, is tackling the challenge of data transformation head on. In recent years, Elements has evolved from a single SEG credit union for employees of Eli Lilly and Company to one that serves 90,000+ members throughout Indiana and even nationwide with an increasing focus on digital excellence. Underpinning that effort is a transformational approach to data that will enable Elements to make smarter strategic decisions, shape future product and service offerings and provide a member experience that is both fast and personalized.“Five or six years ago, we really started to think about bringing all of our disparate data into one place,” says Chris Sibila, EVP & chief information officer. “We didn’t begin by building a data warehouse, but we built data repositories, so that we could collect our data from transactions, our core system, mobile and online banking. By taking these steps, we knew where that data was and could use it to run analytics.”At the same time, the digital experiences members were having made a serious impact on expectations. “Our competition out there is not banks,” says Sibila. “It’s Uber, Netflix and Amazon. They’re continuing to refine their data processes and strategies to look even smarter for their customers. That makes doing the same an imperative for us.” continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
From today (Friday, June 15) to September 14, seasonal toll prices are being introduced on motorways operated by Hrvatske autoceste (HAC) and Autocesta Rijeka-Zagreb (ARZ), which bring 10% more expensive tolls.Seasonal toll prices are introduced for IA, I. and from this year and for II. group of vehicles, and on III. and IV. vehicle group does not apply. In the seasonal period, the unit price of toll for vehicles IA, I. and II. groups increases by 10%.The model of seasonal toll prices, which was introduced last year, during the 3 summer months in a period of increased traffic intensity, is one of the accepted measures of financial restructuring of companies in the road sector. “The introduction of seasonal toll prices for certain categories of vehicles stems from the fact that about 40% of the total annual traffic is realized in the summer months, and on some motorways the number of vehicles increases up to three times in summer compared to the rest of the year. Consequently, the costs of maintenance, safety, monitoring and traffic management in the summer months increase significantly.”They point out from Hrvatske autoceste
In the first eight months of 2018, tourists realized 14,8 million arrivals and 75,1 million overnight stays in commercial accommodation facilities, which is an increase of 5,8% in arrivals and a 3,7% increase in tourist overnight stays compared to the same period in 2017, data from the Central Bureau of Statistics (CBS) speak for themselves.Domestic tourists in the first eight months of 2018 realized 1,4 million arrivals and 5,2 million overnight stays, which is 9,3% more arrivals and 7,6% more overnight stays compared to the same period in 2017. Foreign tourists realized 13,4, 70,0 million arrivals and 5,4 million overnight stays, an increase of 3,4% in arrivals and a 23,1% increase in tourist overnight stays compared to the same period last year. Most overnight stays of foreign tourists were realized by tourists from Germany (9,3%), Slovenia (8,3%), Austria (7,7%), Poland (6,5%) and the Czech Republic and Italy (XNUMX% each) ).Domestic tourists spent most nights in the City of Zagreb, and foreign tourists in RovinjIn the first eight months of 2018, domestic tourists spent the most nights in the City of Zagreb, Crikvenica, Mali Lošinj, Zadar and Vodice, which is 18,4% of the total overnight stays of domestic tourists. Foreign tourists spent the most nights in Rovinj – Rovigno, Dubrovnik, Poreč – Parenzo, Medulin and Umag – Umago, which is 18,2% of the total overnight stays of foreign tourists.Source: CBSAugust / Increase in arrivals and overnight stays of domestic and foreign touristsIn August 2018, 4,4 million tourist arrivals and 27,1 million tourist nights were realized in commercial accommodation facilities. Compared to August 2017, there was an increase in tourist arrivals, by 3,9%, and a slight increase in overnight stays, by 0,8%.Domestic tourists realized 284 thousand arrivals and 1,6 million overnight stays, which is an increase of arrivals by 12,5% and an increase of overnight stays by 8,4% compared to August 2017. Foreign tourists realized 4,1 million arrivals and 25,4 million overnight stays, which is 3,3% more arrivals and 0,4% more overnight stays compared to August 2017.German tourists most numerousThe highest number of overnight stays of foreign tourists in August 2018 was realized by tourists from Germany, 6,2 million overnight stays (24,6% of the total overnight stays of foreign tourists) and tourists from Italy, with 2,7 million overnight stays by tourists (10,5% of the total number of overnight stays of foreign tourists).This is followed by overnight stays of tourists from Poland (8,1%), Slovenia (8,0%), Austria (7,4%) and the Czech Republic (6,1%). Tourists from Italy increased the number of overnight stays by 2,9%, while tourists from other countries in August 2018 recorded a decrease in overnight stays compared to August 2017.Istria County is the leader in the number of tourist arrivals and overnight staysThe highest number of tourist arrivals and overnight stays in August 2018 was realized by the County of Istria, with more than 1,0 million arrivals and 7,8 million overnight stays, which is 23,9% of the total arrivals and 28,8% of the total overnight stays.The highest number of overnight stays was realized by tourists from Germany, 34,5%, who realized an average of nine overnight stays per arrival, and tourists from Italy, 13,5%, with an average of six overnight stays per arrival.Most nights spent in rooms, apartments and holiday homesThe highest number of overnight stays was in rooms, apartments and holiday homes, 15,5 million, which is 57,2% of the total number of overnight stays. Compared to August 2017, the number of arrivals in rooms, apartments and holiday homes increased by 6,8% and the number of tourist nights by 2,9%.In August 2018, tourists had at their disposal 409 thousand rooms, suites and camping places with a total of 1,1 million permanent beds. In the group Resorts and similar short-stay facilities, tourists had at their disposal a total of 244 thousand rooms and suites (which is 59,5% of the total number of available rooms and suites) with a total of 658 thousand permanent beds (which is 60,9% of the total number of available permanent beds). In the group Hotels and similar accommodation tourists had at their disposal a total of 80 thousand rooms and suites (which is 19,5% of the total number of available rooms and suites) with a total of 166 thousand permanent beds (which is 15,4% of the total number of available permanent bed). The average occupancy of rooms was 84,9%, and permanent beds 97,3%.Most overnight stays were realized by tourists in the age group up to 14 yearsIn August 2018, tourists in the age group up to 14 years realized the most overnight stays, 6,1 million overnight stays, which is 22,5% of the total number of overnight stays. They are followed by tourists in the age group 35-44 with 5,4 million overnight stays, which is 19,9% of the total overnight stays.
SINCE its formation in 1990, the Rose Hall Town Youth & Sports Club has placed special emphasis on the importance of education by investing heavily to assist students to fulfil their educational goals.To this end, the club assisted one drop-out youth and 12 students of the Rose Hall Town Nursery School.The club’s assistant secretary/CEO, Simon Naidu, stated that the main agenda for Guyana’s leading youth and sports organisation in 2019 is the promotion of its highly successful ‘Say No/Say Yes’ Campaign which targets all youths in Berbice.The 10 cricket teams recently donated financially to 18-year-old Govindan Sahadeo of Port Mourant to assist him to fulfil his dream of writing several subjects at the CSEC Level.Sahadeo was forced to leave school due to the ill-health of his father; he had to work and take care of his younger siblings. Today, he wants to complete his education with the objective to join the medical profession.Naidu, in handing over the $20,000 cheque, praised the employee of the Port Mourant hospital for having the courage to complete his education and stated that the RHTY&SC was willing to assist in the future. Sahadeo expressed gratitude to the club.The teams also handed over $50,000 worth of educational materials to the management of the Rose Hall Town Nursery School.The much-needed items would be donated to 12 students of the school based on discipline, attitude and the financial income of their parents.Additionally, RHTY&SC and the teams donated over $100,000 worth of trophies, medals and prizes to several schools across Berbice on requests for upcoming graduation and fund-raising events.Naidu stated that the club would continue to invest in youths and disclosed that a major sponsorship would soon be unveiled for the Say No/Say Yes Campaign.