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The Crash of Two Iconic Business Models — 1
January 2008 From Denny Hatch's Business Common Sense
Most consumers know that their buying and bill-paying habits are closely monitored by the three great credit rating agencies: Equifax, Experian and TransUnion. What is less understood is the highly complex algorithm of scoring—taking all that bill-paying data on an individual and determining the chances that he or she will fail to pay a credit card charge or default on a loan. The dollar amount of credit extended and the Annual Percentage Rate (APR) charged are pinned to a consumer’s score. The unquestioned master of scoring alchemy is Fair Isaac, on whom some of the blame for the sub-prime crash—and perhaps the coming
January 2008 From Denny Hatch's Business Common Sense
Most consumers know that their buying and bill-paying habits are closely monitored by the three great credit rating agencies: Equifax, Experian and TransUnion. What is less understood is the highly complex algorithm of scoring—taking all that bill-paying data on an individual and determining the chances that he or she will fail to pay a credit card charge or default on a loan. The dollar amount of credit extended and the Annual Percentage Rate (APR) charged are pinned to a consumer’s score. The unquestioned master of scoring alchemy is Fair Isaac, on whom some of the blame for the sub-prime crash—and perhaps the coming
Wanna Make a Profit? Pay Attention to the Nonprofits
June 2007 From Tipline
What can marketing executives at for-profit companies learn from major nonprofits? Although companies might believe corporations, because they have more staff and resources, have more access to current best practices, it’s often the nonprofits that shine, according to Roger Sametz, president of communications consulting firm Sametz Blackstone Associates. Here, he offers some tips for-profit companies can learn from the nonprofit sector: Connect place to purpose. With a distinct mission at their core, nonprofits often are better able to emphasize that mission (by walking the talk) for a competitive advantage. Group products/services into higher-level areas of focus. Nonprofits group the problems they solve, so that they
June 2007 From Tipline
What can marketing executives at for-profit companies learn from major nonprofits? Although companies might believe corporations, because they have more staff and resources, have more access to current best practices, it’s often the nonprofits that shine, according to Roger Sametz, president of communications consulting firm Sametz Blackstone Associates. Here, he offers some tips for-profit companies can learn from the nonprofit sector: Connect place to purpose. With a distinct mission at their core, nonprofits often are better able to emphasize that mission (by walking the talk) for a competitive advantage. Group products/services into higher-level areas of focus. Nonprofits group the problems they solve, so that they
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