Successful Ibi Partners Day In Regensburg

ibi research discussed with its partners excited about innovations in the banking sector goal was the 35 partners from banks, consultancy, IT?Service providers and software companies about the current research topics of the ibi research to inform, to present results and discuss together. This includes managing director Prof. Dr. Hans-Gert Penzel: without a doubt, banks are under great pressure to implement regulatory measures. At the same time, the innovation machine is running ‘ as intensely as rarely before. Examples include the clear expectation of better consultation processes, production-quality solutions for the numbers with the Smartphone at the point of sale, but also the solution of regulatory challenges through innovative process design the use of the Web on the way to the Bank”. “In the first extension workshop IT?-based consultative process for the retail business in banks” has been discussed intensively on problems, obstacles and barriers, as well as possibilities of the redesign of the consultation process.

To do this Christiane Fruchtl, ibi research project leader: The satisfaction of individuals with the consultation process has decreased dramatically in the financial crisis. Regulators have made a variety of specifications without requiring an end to the interference to refrain. These indicators show that individual improvement of the consultation process will not be sufficient. A basic development appears necessary.” The Konsortialprojekt to the IT-based consultation process, initiated by ibi research”takes this issue. Aim is the further development of the system-based consultation process and the derivation of implementation strategies, while taking account of all stakeholders: customers, consultants, Bank shareholders and lawmakers. In the second workshop, representatives of banks, financial service providers, consulting companies, mobile operators, and IT service providers on the topic discussed mobile payment before the breakthrough? “.” After lively exchanges, Dr. Ernst Stahl, Research Director at ibi research the following summary includes: the banks are facing the challenge. through the increasing use of the mobile payment the connection not to lose.

Tips To Win Back Your Ex-Girlfriend

Don’t like all those who end up keeping the situation in this way. In fact, a high percentage of people ending their relationship of love, are interested in returning again. Because of this, perhaps you will find many books that have been written about how to win back your ex girlfriend, many of them gives many tips but perhaps you read these books, and you are a little disappointed. Most of the authors speak of people which are totally incompatible with you, or simply wanted to create these books to earn some money. However, no you must surrender in your research regard to win back your ex girlfriend.

There are many methods that can help you win back your ex girlfriend. These powerful strategies don’t try to recreate yourself into someone you’re not. You need to remain yourself so that you can recover your former girlfriend in a successful way. First who really loves your ex girlfriend is the real you, and if you try to change this may be against productive. That’s why here we give our best advice so that you can recover to your ex-girlfriend. Gives you time if you really want to win back your ex girlfriend, avoids making rapid movements. Gives you time alone.

This work for the sake of the 2. In this way you will have time to reflect on the subject, after some time you will be able to use strategies which make you succeed in recovering your former. In addition if you give him time alone, she will extranara, and once they have had their time alone, may return even more intensely than before. As a result, your new love affair will be even stronger. It takes advantage of the surprises. Think of a way to give a surprise to your ex-girlfriend. For example, after having given a good time alone, call you when you least expect it and show you something of appreciation or gratitude. Before you speak you should think about exactly what you grateful you or gesture of appreciation say you. It has to be something very honest on your part. However, this is not the time to thank you for everything, instead better thank you for all what you believe which is convenient but in person. Of This way if your you invite her to leave, she will be curious to know that things are that I want to thank you, so she will be thinking of you. And this will clear that she also wants to express its gratitude towards you. If your call was surprised positively, there are high chances that she will accept dating you.

Volkswagen

For those looking to save money on the purchase of Mercedes second hand on occasion Madrid dealers, opportunities abound. From prestigious agencies, until business mounted especially with cars of occasion and the opportunities that might be making the purchase with a particular same in the city of Madrid, all offer different offerings that make tempt the public with the purchase of a car. The economic instability that is currently going through Spain, without neglecting to Madrid, has done that most of the people arises in that is going to invest their savings and whether it is worth spending so much money on a new car. Majorities of businesses used cars in Madrid which have raised their sales from the crisis that has caused the real estate sector have been attentive to this. There are now more possibilities in order to have the car both you’ve dreamed of since their prices are much cheaper in agencies of second-hand from an official dealer vehicles. The important thing when buying any type of car is to make a good business, we feel sure of the place where we are going to make the purchase, and have the necessary guarantees in the case of some kind of future inconvenience.

It doesn’t matter if it’s a Volkswagen, an Audi or a Renault; in any of the brands you’ll find a good relationship between the price and the quality of the same, and all this without having to leave Madrid to buy a used car or second hand in Madrid car. Points of sales of used cars in Madrid there are many points of sales for the purchase of second-hand cars, from large and important dealers up to the places where are auctioned cars in excellent condition and have been treated with care and great care, so it should not present any problem when driving themregardless of their age, because even in Madrid we can find cars for nearly 20 years ago. Is also a great possibility the purchase of second-hand cars in Madrid by the calcified found in Internet or ads posted in forums as well as magazines and newspapers, and several sites that are dedicated to the buying and selling of used cars also within the city of Madrid, or even in the vicinity. The cars in Madrid had become the vehicle preferred by small or large families when buying a used car, or for those who want a second car to go to work or to leave on weekends, a car you prefer not making a significant outlay, since the demand for new vehicles has fallen by the few deals made throughout the year. Not only are prestigious dealers in the market of used cars for sale, but that it is very common to see street cars with posters for sale that owners need to sell urgently. How important is not the place that you choose or through that medium decide to purchase a used car, if not having the necessary precautions as aging information of vehicle, type of repairs has had, acquisition of guarantees and many other things that are basic to make a smart purchase and secure a second hand car or a car used in the city of Madrid and that can last a long time and without giving you headaches constantly.

Northern Expedition

Therefore, his life was nothing ordinary, banal and conventional. He started as a research scientist, and became a politician, humanist and philanthropist. His efforts in the 20-ies assist Armenian refugees and starving Volga region are no less great a feat as his expedition into the heart of Greenland and the North Pole. Face to face with Saturn, he not only gained knowledge about Meteorology – currents, winds and temperatures, not only tempered the body and will tenfold, but became a greater appreciation for human compassion, became a staunch humanist. Their fear of tests, he converted to force overcome and done the unthinkable – right on the shroud of snow, among the icy silence he grew bright colors of love, becoming a goodwill ambassador in the country of ice and night. Nansen became a legendary hero of Norway, it is considered a great and unique personality. He has many followers and admirers primarily in Norway itself.

But in fact, the influence of his life and exploits are much wider. He has entered not only in Norwegian, but also in world consciousness as an example truly flawless hero. He keeps coming back to us through the centuries, reminding myself of allusions, the similarity of individuals striving to icy peaks. He left a deep imprint in the ocean as a great symbol of the unconscious courage and boldness. Letter from visitors to my site – vivid testimony: "I would like to tell you an interesting, in my opinion, a story – he wrote. – I have a friend – an amazing man, a successful businessman, pohodnik, climber, which constantly pulls to the north of the study. Its 50 anniversary, he met climbing one of the peaks in the Yukon, is now considering to go to Greenland. While people are going south in the winter, he tries to get as much as possible north.

He recently told me that he wants to go to Oslo, and visit the Museum of Fridtjof Nansen. Said that pulls him back. I'm talking about Nansen knew nothing, and he was telling me about him with great enthusiasm. It was evident that He is a big fan of his. Advised to read his notes from the Northern Expedition. When I flew from Toronto to Halifax (I live in Halifax, and this is my friend – in Toronto), the airport had nothing to do download one of the books Fridtjof Nansen, opened it, almost fell into a swoon!