Credit rating agency

American Express include Discover Financial Services, Visa, Inc., and MasterCard Worldwide. Unlike American Express and Discover, Visa, and MasterCard do not finance, which means these companies are intermediaries and “they don’t directly finance credit card transactions” (Thangavelu, 2015). That being said, Discover is more in American Express’ strategic group because they both issue cards and work within the same strategic group, so American Express and Discover compete more directly.…

1. Difference between Off-the-Top Savings versus surplus savings: Off-the-top savings, money that is taken away from your paycheck before you have access to it. It looks like it was never even there and is put away into savings before you can touch it. Surplus savings, money that is left at the end of the month is put into a savings. 2. I believe that off-the-top savings works much better, since that money is put into savings before it be can counted into a monthly budget and it is money that…

filter potential employees for medical reasons. 3. Credit score: Here is a strange and disturbing use of profiling. It seems that your credit score is a better predictor of your future driving habits than your actual driving record. Many car insurance companies are now using that score to determine your premiums (Federal Trade Commission, (2013). 4. Big Brother: Recently China has begun experimenting with a new form of social engineering using social credit scoring system. If a citizen behaves…

strategy. One advantage is authenticity. Usually in the case of e-businesses, customers may decide not to purchase from a site due to a fear in the sites lack of security measures to protect their personal information. Customers fear giving up their credit card information and other data in fear of it getting into the wrong hands. However, customers are more willing to trust a physical brick-and-mortar location. Having a place those customers can walk into and see the legitimacy of the company’s…

When you visit the doctor’s office a person doesn’t think about all the steps it takes to process your visit and what the office does to receive payment from the insurance company. As a patient, the focus is seeing the doctor, telling him or her the symptoms, getting the doctor’s assurance that your health will be back to normal in a few days to a week and getting a prescription for medication. There is a process to making the following steps work smoothly and precisely. The procedures begin…

Payer rules are complex. Failing to meet payer guidelines may mean lost revenue. A professional billing and collections agency assumes financial responsibility for filing errors. Reputable vendors constantly update payer rules and invest in staff training which ensures denials never fall through the cracks and accurate, timely filing prevent claims from being submitting beyond…

Developmental Learning With the onslaught of technology personal development has become increasingly important. A few years ago, when I signed up for 'online banking with bill pay ', I excitedly went home to make my first transfer to someone else 's account within the same bank. I went through the process of entering my log on ID and passcode on the bank 's website and then proceeded to make the transfer. This event was a disaster, as I had no idea of what I should do. I tried to read the drop…

INTRODUCTION There is no factor more essential in delivering efficient and hospitable service to guests than constant employee communication. These vital conversation skills need to be used between the front of the house and the and back of house to ensure quality and consistent service to guests. Equally as crucial, employees need to embrace a team-like mentality for this communication to be effective. Author John Katzenbach agrees and argues, “There is virtually no environment in which…

Defining the Market The four major purchase transactions worldwide in the consumer payment industry are done by Visa, MasterCard, Union Play and Amex. In 2014, together Visa and MasterCard represented about 84% of the market share (Visa with about 58% and MasterCard about 26% of the market share) (see appendix I). In the Notably, Visa and MasterCard are set up as a cooperatives of banks. According to mainstream economics, when firms instead of competing decides to collude. They may jointly…

Information Technology Sector: In recent years, the Information technology sector has really taken-off and boomed up due to various factors such as enormous funding, alliance activities, revolutionarising technology and a rapid increasing domestic market. As the startups in IT sector need low initial investment and get funding from the investors if their business model is good. Also due to the increasing number of good software engineers and interest in computer science field . Also due to the…