...Media Planning and Buying, Public Relations, and Conclusion of Discover Financial Services Rebrand Campaign By Jennifer Grant and Chad Lacey Traci O’Neill Integrated Marketing Communications Montana Tech of the University of Montana March 7, 2013 Media Planning and Buying In an effort to maximize effectiveness of our media planning and buying strategy, we are targeting the following consumers: 1. Adults with a credit score of 750 or higher that seek a rewards program that wishes to maximize returns on use of credit cards. 2. Adult, college-aged students who have no credit that desire to build a credit history. Geographically, we are targeting these consumers in the United States with a special emphasis in all major metropolitan areas. The timing of our campaigns will be fiscal year-long beginning in 2014. However, higher frequency bursts will be delivered to target audience members: 1. For students, we will increase frequency at the beginning of fall and spring semesters with a follow-up prior to summertime. 2. For others, we will create more frequent burst during major, celebratory holidays, and prior to summer. The vehicle selections we have chosen are thought to be the most effective in reaching our target audiences at a national level: 1. Magazines – Choose publications that are read by our audiences. For savvy adult consumers, we would advertise in business, financial, and other high end magazines. For students, we would choose outdoor...
Words: 1209 - Pages: 5
...DISCOVER FINANCIAL SERVICES A MARKETING RESEARCH STUDY CONSUMER LOYALTY AND THE INFLUENCE OF THE CUSTOMER SERVICE CALL CENTER Prepared for Discover Financial Services Prepared by Shantel Seppala Far Horizons Research December 8, 2013 Shantel Seppala Far Horizons Research December 8, 2013 China Financial Operations Manager Discover Financial Services Re: Market Research Report for Discover Financial Services Dear Sir or Madam: I am submitting this letter on behalf of Far Horizons Research in relation to the market research report authorized by Discover Financial Services. The purpose of the report was to gather information relating to loyalty of Discover customers and their respective interactions with Discover’s customer service call center. A great deal of time, analysis, and thought went in to the preparation of this study and final report. Upon releasing this report, I, Shantel Seppala, would like to personally ensure that this report was prepared with the utmost accuracy and as efficiently and cost effectively as possible. It has been of the highest pleasure to prepare this report for Discover Financial Services. Far Horizons Research has taken a great interest in this topic and would be more than willing to conduct additional research to either further support this specific topic or conduct new research. Thank you very much for giving us the opportunity to prepare this report for Discover Financial...
Words: 4815 - Pages: 20
...Policy No.: Approval Date: November 2000 The University of British Columbia Board of Governors 83 Last Revision: June 2005 Responsible Executive: Vice-President, Academic and Provost Vice-President, Learning & Research (UBC Okanagan) Vice-President, Administration and Finance Title: Travel and Related Expenses Background & Purposes: Travel is a necessary component in the gathering and dissemination of information and knowledge. The purpose of this policy is to facilitate travel in support of the University’s mission while maintaining controls for accountability. 1. General 1.1. This policy applies to travel expenses paid from all University administered funds, including those from grants and contracts. The University will reimburse the cost of authorized travel expenses incurred by members of faculty and staff and, in special cases, students or other persons, provided that: 1.2.1. the traveller was travelling on University business, or in support of the University’s mission; and 1.2.2. the traveller had advance authority to incur travel expenses (for example, through recognition of travel in a grant budget); and 1.2.3. the expenses are reasonable, appropriately documented, and comply with University policies and procedures, or the policies and procedures of a granting agency or funding contract; and 1.2.4. the expenses are approved for reimbursement by at least one administrative level higher than the person claiming reimbursement. 1.3. Travel supported...
Words: 4782 - Pages: 20
...Discover the Chief Health Benefits that have made Moringa Tea Famous * Boosts energy levels * Improves digestive function * Improves mental clarity/focus * Promotes sound sleep * Provides all vital vitamins * Contains several important minerals * Is an extremely powerful free radical fighter * Moringa has very high levels of fibers * Cleanses and Detoxifies the body of infectious toxins * Strengthens your immune system * Enhances sexual desire and performance * Fights cancerous cells * Slows down the aging process * Promotes healthier and younger-looking skin * Alleviates diabetes * Normalizes and regulates cholesterol levels * Helps maintain healthy heart function * Minimizes inflammation * Improves Blood Circulation * Prevents artherosclerosis * Enhances visual acuity * Helps stabilize normal blood sugar levels * Helps improve patients suffering from leukemia, dengue * Fights general depression and stress * Supports weight loss * Improves upon your overall physical strength If you’re looking into living a very long life… and… staying young and healthy… this very well could be the most important message you will ever read. One small common malungay tree is taking on the entire world’s illnesses…and winning! The secret all lies within how cells in your body die. Did you know there are only TWO ways for a cell in your body to die? Apoptosis – The Good Way The process where...
Words: 6873 - Pages: 28
...Dioecious. Having the male and female reproductive organs in separate individuals Plumerias are tropical trees famous for their gorgeous flowers which are used to make leis (floral garlands). 1. Axils. the upper angle between a leaf stalk or branch and the stem or trunk from which it is growing. 2. A transgenic is a gene or genetic material that has been transferred naturally  hermaphrodite is an organism that has reproductive organs normally associated with both male and female sexes. Many taxonomic groups of animals (mostly invertebrates) do not have separate sexes Pollen is a fine to coarse powder containing the microgametophytes of seed plants, which produce the male gametes (sperm cells stamen (plural stamina or stamens) is the pollen-producing reproductive organ of a flower. Carica papaya. Scientific name of papaya Dietary fiber or roughage is the indigestible portion of food derived from plants. pulp is usually removed from the juice by filtering it out. Polyphenols are abundant micronutrients in our diet Carotenoids are organic pigments that are found in the chloroplasts and chromoplasts of plants  Pectin is a naturally-occurring thickening agent that is most often used by adding it to jams, jellies Edible. Something fit to be eaten Lozenge. Medicated Enzymes are biological molecules (proteins) that act as catalysts and help complex reactions occur everywhere in life. Antioxidants are chemicals that block the activity of other chemicals...
Words: 3207 - Pages: 13
...Jackie Keyes Discover Australia 25/8/14 Re-Branding a Multicultural Australia The Opening Ceremonies of the Olympic Game’s are intended to be a way for the hosting country to present them selves to the rest of the world, along with welcoming them to their country. Such ceremonies are planned to be visually pleasing and exploding with dramatic representations of the host countries past and present culture, lifestyle, and rituals. Sydney used 2000 Opening Ceremony for the Olympic games as a way to demonstrate the important roll the British had in colonizing Australia while easing up previous racism accusations, as well as portraying Australia to be home to a vibrant unified multicultural society, offering world-class destinations.- All throughout the Opening Ceremony an evolution of stories were played out for viewers; certain stories were more centralized narratively then others in particular. A sugarcoated version of the Aboriginals history, British Colonies exploration and the evolution of a young Australia, are considered the primary tales narrated. Starting out with a large horse and man scene which spoke strongly to the tourist market specifically Americans, this was perceived as a stunt to attract viewers to Australia along with scenes involving Australia’s beaches, outback territory and high ratio of animals throughout the ceremony. The connection and reconciliation between the white girl who represents a young Australia and the aboriginal man spoke to the...
Words: 1138 - Pages: 5
...Morgan Stanley Case Study 1 “Morgan Stanley Case Study” Total Rewards Dr. Judie Bucholz Strayer University Robyn L. Snow April 29, 2012 Morgan Stanley Case Study 2 Abstract Morgan Stanley was established by J.P. Morgan Jr in 1935 in New York. Before 1935, Morgan Stanley was only an investment department in J.P. Morgan group. Since its inception in 1935, Morgan Stanley has been a leader in investment management. The company provides a wide range of financial services for individuals and institutional investors. Morgan Stanley investment advisors educate clients at all stages of life in the benefits and risks of investing in mutual funds, stock, and bonds. Working with clients, they help to determine investment strategies based on goals and objectives, the time...
Words: 1017 - Pages: 5
...Morgan Stanley’s Return on System Noninvestment Case Study Summary Morgan Stanley was established in 1935, and in 1997 merged with retail brokerage firm Dean Witter Discover and Co. to become a global financial services organization that employed more than 53,000 people in over 600 countries including Australia. Institutional Securities, Asset Management, Retail Brokerage and Discover were the four segments of Morgan Stanley. The merger altered the working environment of Morgan Stanley and created a divide in employee acceptance of the Retail Brokerage segment. It did not integrate well with the firm partly due to the information systems being different to the rest of the company. Under CEO Philip Purcell’s management, Morgan Stanley’s infrastructure and systems did not grow with the needs of employees and customers, nor did it apply future technologies to their current systems, its focus was reducing overheads to maximize profits in the short term. Many brokers resigned, taking with them valuable portfolios and profits. In June 2005 Purcell resigned, and John Mack provided new leadership. The firm then began to change its information systems and provide better services for clients, which saw stronger ethos and integrity within the employees. The new leadership at Morgan Stanley instigated change, and the realization that the Company must grow to keep up with the competition in the financial services industry. Not only did technology need overhauling within all the...
Words: 1923 - Pages: 8
... and the determine if dynamic pricing be applicable to the model. The two companies that I chose to compare are Sam’s Club and Costco’s. In comparing the two companies, I notice that Sam’s club business model is revenue model and a subscription model. Whereas Costco uses an affiliate model, when you click on the credit card you are directed to American express website. And also Costco is using the transaction fee revenue model, because the customer earns a percentage back on purchases with their credit card. As well they are using the subscription model, because they members are responsible for yearly membership fees. I think that Sams club have an advantage over Costco’s because it offers it own credit cards that is sponsored by discover credit cards. I feel as though Sam’s club would be an idea selection, because it has been around longer than Costco and Sam’s club also has partner up with Wal-Mart to sell products and services, which shows that they are branching out with other business to make a profit. Another company that I think would be profitable using this type of site would be banks because they offer a lot of product and services take for instance likes USAA, they offer travel, rental car services, and merchandise for sell to their members at a discounted price. They would be able to use this service to attract other consumers other than the military community. I think that dynamic pricing will be applicable to this model, because it will help the company...
Words: 338 - Pages: 2
...Discover Financial Services is a banking and payment company that has been quite successful over the past few years as far as generating income from loans, particularly student loans. Taking a look at the chart below (Student Credit Growth) the increase in student credit is incredible for the market sector. The company’s largest competitor in this market in terms of size and profitability is Wells Fargo that also offers student loans online. This already established market shows no signs of slowing down in the near future. The aim of the game is to have competitive rates amongst your peers, which is exactly what both companies have done. They also offer incentives in order to compete with their identical loan structures. While both of them can be seen as traditional banks, they have moved their student loan services and other lending options online putting them in-line with other competitive “online lenders” to compete for their own share of the market and gain a competitive advantage. Online lenders compete in the market by taking several factors into consideration. These factors include but are not limited to cost of capital, customer service, and regulation. According to an article in the Huffington Post, the former administrator of the U.S. Small Business Administration Karen Gordon Mills “showed the relative strengths and weaknesses of banks vs. online lenders.” (1). Within the article is a table assessing the competitive advantages of traditional banks and online lenders...
Words: 737 - Pages: 3
...limit. A potential consumer rates each of the following nine credit cards on a 0 to 9-point scale, where 0 means that the offering is really terrible and 9 means that the offering is very excellent. Card #1 Discover $20 annual fee $2,500 credit limit Score: 3 3 | Card #2 MasterCard $20 annual fee $5,000 credit limit Score: 8 8 | Card #3 Visa $10 annual fee $5,000 credit limit Score: 9 9 | Card #4 MasterCard No annual fee $1,000 credit limit Score: 4 4 | Card #5 Discover $10 annual fee $1,000 credit limit Score: 1 1 | Card #6 Discover No annual fee $5,000 credit limit Score: | Card #7 Visa No annual fee $2,500 credit limit Score: 5 5 | Card #8 MasterCard $10 annual fee $2,500 credit limit Score: | Card #9 Visa $20 annual fee $1,000 credit limit Score: 2 2 | a. Utility function: Calculate the utility function of each brand based on the above response. Show how you calculate the utilities to demonstrate understanding. Record the utilities in the table below Part worth utilities: Brand | Utility | Annual Fee | Utility | Credit Limit | Utility | Visa | 5.33 | No annual fee | 5.33 | $1,000 credit limit | 2.33 | MasterCard | 6.00 | $10 annual fee | 5.33 | $2,500 credit limit | 4.67 | Discover | 3.67 | $20 annual fee | 4.33 | $5,000 credit limit | 8.00 |...
Words: 1641 - Pages: 7
...Purcell felt that the rebound of the economy would be slow following the stock market crash in 2001. In order to survive, he felt that the company needed to concentrate on maximizing profits instead of generating revenue. Given this strategy, he cut costs, jobs, and investments in areas such as information technology. It is also possible at the startup of the company in 1935 or thereafter there was not an importance given to IT development; this culture might have persisted or simply a refelection of management’s perspective as to the need of information technology. 2. Why was the merger with Dean Witter disruptive for the company? Morgan Stanley operates in four segments: Industrial Securities, Asset Management, Retail Brokerage, and Discover (formerly Dean Witter). Despite the merger, the Retail Brokerage group was never accepted as an equal partner by the rest of Morgan Stanley. This was clearly an employee integration problem either because of the employees’ perception or their reality. This division was also not well-integrated with the rest of the company. Former Dean Witter employees claimed that they felt like disrespected outsiders after the merger. The unification of Morgan Stanley and Dean Witter created a digital, cultural, and philosophical divide. The feelings persisted and many retail brokers viewed their job security as tenuous at best. Coupled with the problems associated with the merger, Morgan Stanley also had its own share of problems in the inner sanctum...
Words: 1419 - Pages: 6
...At first glance Discover magazine appears to be a scientific magazine comparable to Popular Science or Wired. Discover magazine does have information pertaining to the scientific community, but it is more than just single subject topics like electronics or biology. Discover magazine entices and educates its readers on latest technologies and breakthroughs within the entire scientific community not just one aspect of it. The scientific community is broad term used to describe those that are interested in one of the hundreds of scientific fields such as astronomy, computers, or health care to name a few. The magazine is geared toward all those interested in the scientific community with articles on subjects such as astronomy, chemistry, biology, technology, medicine, and more. Discover magazine contains articles that explain how these new scientific breakthroughs pertain to one on a day to day basis and how they will impact the future of the world. In a single issue of Discover magazine you are likely to read about topics such as medicine, asteroids, global warming, and animals. They colorful colors and photographs on the cover and in the magazine would lead one to believe that Discover magazine is a typical grocery store check-out lane item, however upon closer inspection one would note that it contains articles written by those that have advance degrees in science and Nobel Prize winners. In the October 2015 issue of Discover magazine there is a lengthy article about...
Words: 1094 - Pages: 5
...WISDOM IN A NUTSHELL DISCOVER YOUR SALES STRENGTHS How the World’s Greatest Salespeople Develop Winning Careers By Benson Smith and Tony Rutigliano Warner Business Books ISBN 0-446-69037-6 244 pages BusinessSummaries.com is a business book summaries service. Every week, it sends out to subscribers a 9- to 12-page summary of a best-selling business book chosen from among the hundreds of books printed out in the United States every week. For more information, please go to http://www.bizsum.com. Discover Your Sales Strengths Page 2 Web Site of the book: http://www.gallup.com/publications/sales.asp www.bizsum.com © 2001 - 2003 Copyright BusinessSummaries.com Discover Your Sales Strengths Page 3 THE BIG IDEA A huge number of books have been written about sales and finding one’s road to success in achieving exceptional sales performance. Like fresh-off-the-press diet book bestsellers, they promise spectacular results, but lasting improvement in the end is still hard to find. This book identifies the many myths associated with exceptional sales and explains how believing them may negatively affect one’s performance. It will also show how important it is to fit one’s talents into the right job, whether it be as sales representative or sales manager. THE GREAT SALES MYTHS Doctors tell us that kidney stones are one of the most painful medical conditions human beings may suffer from. These small calcium fragments form in the kidney and eventually...
Words: 4236 - Pages: 17
...Seahawks Fans Discover Beer Hijinks Tickets to watch an NFL game aren’t cheap, and for those of us who don’t have corporate entities sponsoring our fandom and nacho habit, the opportunity to attend one is a big deal. We wear jerseys to be properly attired, take photos so we can be properly nostalgic and buy overpriced beers to get properly inebriated. And because we go through so much to make cheering on our football team a big event, most of us are even willing to splurge on the big beers. Support the team, right? Everyone is in this together. Unless they aren’t. Two intrepid Seahawks fans noticed something curious recently about the beer cups they had just purchased at Qwest Field in Seattle. The medium 16-ounce – which sold for $7.25 – and the large 20-ounce – which sold for $8.50 – held exactly the same amount of beer! Though it didn’t take a very complicated experiment to prove this hypothesis, the company that manages the stadium – First & Goal – was willing to admit the liquid discrepancy after an “internal investigation”. Representatives were also unsure how or when the conundrum began. The other issue confounding First & Goal was simply why there was so much outrage. After all, people who paid only $7.25 for a 20-ounce beer should feel like they won a mini, alcoholic lottery, right? Some of them may have, but in cases like these, the more vocal group is typically the one who feels more slighted. And for the long-suffering Seattle fans who remember...
Words: 357 - Pages: 2
