THE SUSTAINABILITY BALANCED SCORECARD Linking sustainability management to business strategy Overview Introduction Formulating a balanced scorecard for sustainability Examples Conclusions Introduction In the current times capital investment is not the only source of competitive advantages anymore. Companies now must be flexible‚ responsive and with high quality deliveries. “Soft” factors become increasingly important: Intellectual capital
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Advantages of Credit Card What is a credit card? A credit card is more than a simple piece of plastic‚ it is first and foremost a flexible payment tool accepted at 30 million locations worldwide‚ and if the card balance is paid off every month‚ then no interest is charged on purchases made so‚ essentially‚ short-term credit is granted without the consumer paying any interest. Credit cards are a popular form of payment for in-person and online purchases. People use them every day without
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CREDIT CARD FRAUD AND THE LAW By A.L.R. JOSEPH SUBJECT: Banking‚ Criminal Law Malaysia [1993] 2 CLJ xii (Apr) Introduction To most consumers‚ credit cards are pieces of plastic - issued to them by their bank or retail shop which allow payment for goods or services - which give them prestige and flexibility. Further‚ they also provide a convenient avenue of obtaining on-the-spot cash. The credit card is a phenomenally successful development of modern banking and retailing based on technological
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things are the tools to excel and guarantee success in both professional and personal arenas. Pursuing a graduate study and improving communication skills are a few of many ways I chose to guarantee my personal and professional success. It wasn’t easy taking the decision to pursue a graduate study‚ and like all major decisions in one’s life‚ it comes with challenges‚ which were of an emotional‚ financial‚ and organizational nature in my case. To facilitate success‚ setting goals is most commonly seen as
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The career I am interested in is landscaping. I am interested in landscaping because‚ I like to be outside and do hands on work. I also really like gardening and making places flourishing with beautiful flowers and such. My Aunt and Uncle own their own landscaping business and there are the number one landscaping business in Eau Claire. I love to see and help my Aunt and Uncle on the great work they do for their customers. Some tasks and responsibilities I will have to face in my career will be
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North America Equity Research 26 June 2009 eBay‚ Inc An in-depth look at PayPal’s Business With eBay focusing on PayPal as the primary engine of its growth‚ we take a deeper look at the value of the Payments unit‚ and its growth opportunities over the coming years. We continue to believe the upper range of the company’s outlook for $4B-$5B in F’11 revenues could be difficult to reach‚ but think $4B could be achievable. At a 20x multiple to our F’11E segment Net Income‚ the PayPal business would
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Compared to conventional data transmission devices such as magnetic-stripe cards‚ smart cards offer enhanced security‚ convenience and economic benefits. In addition‚ smart card-based systems are highly configurable to suit individual needs. Finally‚ the multi functionality as payment‚ application and networking devices renders a smart card as a perfect user interface in a mobile‚ networked economy. Security Smart cards incorporate encryption and authentication technologies that can implement issuer’s
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A smart card is a plastic card about the size of a credit card‚ with an embedded microchip that can be loaded with data‚ used for telephone calling‚ electronic cash payments‚ and other applications‚ and then periodically refreshed for additional use. Currently or soon‚ you may be able to use a smart card to: * Dial a connection on a mobile telephone and be charged on a per-call basis * Establish your identity when logging on to an Internet access provider or to an online bank * Pay for
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usage of debit card is continuously increasing. Because of the crisis of the economy‚ tighter credit and consumers become more careful in spending money; more people prefer to pay with debit cards nowadays. According to the Nilson Report‚ Americans made 28.4 and 21 billion purchases respectively using debit and credit card in 2008. In 2009‚ the total credit card purchase transactions went down 4 percent; it was recorded as $20.2 billion. However‚ the total debit and prepaid card transactions in
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Credit card also referred as plastic money. It is a card provides by bank to user in respect of his bank account or even with out bank account in that bank but against his income amount which he have through his job or business or even his cultivated land. There are two types of card‚ Credit card and debit card. Credit card is interest base and has certain amount of money which that particular bank pays against you and you will have to pay it back to the bank with interest. Debit card is different
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