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The purpose of this paper is to explore the opportunities and challenges of serving low-income consumers in developing markets with mobile telecommunications.

With permission of Emerald

Das Aufbrechen traditionell vertikal integrierter Wertschöpfungsketten wird für deutsche Banken zu einer Notwendigkeit im Erhalt um die Wettbewerbsfähigkeit. Sie folgen damit der Industrie, wo führende Unternehmen wie BMW oder Siemens in den vergangenen Jahren durch Fokussierung und gezieltes Outsourcing die Produktivität und Kostenposition deutlich verbessern konnten. Auch wenn die ersten Maßnahmen im Finanzdienstleistungsbereich noch bescheiden ausgefallen sind, ist die zunehmende Dynamik dieses Prozesses deutlich erkennbar.Das vorliegende Buch informiertüber die neuen Konzepte in der Finanzdienstleistungsindustrie und bietet Lösungsansätze zur nachhaltigen Positionierung von Retail Banking, IT-Management, Transaction Banking, Kreditwesen, Asset Management und Sanierungsmanagement.

On July 29, 2004 the German Football Association (Deutscher Fußballbund; DFB) announced that Jürgen Klinsmann had been chosen to prepare the national soccer team for the World Cup, to be held in Germany in the summer of 2006. The public responded to this announcement with a great deal of surprise and skepticism; two years later - on July 11, 2006 - it would respond to Klinsmann's announcement that he would not renew his contract with even greater regret. During the two years in which Klinsmann led the team, Germany experienced a soccer revolution. True, the team and Klinsmann's staff had not realized Klinsmann's goal of winning the World Cup; the Germans came third. But in this period Klinsmann would succeed, despite considerable resistance, in introducing major reforms. He would steer a team that had hit rock-bottom both psychologically and technically back to a world-class level. The soccer team's appearance on and off the field galvanized ordinary Germans and contributed significantly to the World Cup's huge success: all its games were sold out; the mood was euphoric in the stadiums, in the public viewing areas set up in many cities, and in the streets; hundreds of thousands of Germans and foreign fans celebrated together; and images of a friendly, open Germany circulated around the world, correcting the cliche about dour Germans.

A pdf file of this working paper may be available at INSEAD.