Answer:
Teachers Credit Union is implementing an<u> innovative</u> change.
Explanation:
Innovation can be defined as creating more effective processes, products, and ideas. In this case, innovation refers to the ability of the business to adapt and change to their environment and provide better service. Because their competition began offering more hours, the Teachers Credit Union had to change their schedule to adapt to new changes in their environment and provide their customers with the best service. They wouldn't want to lose customers because their competition was being innovative and they were not.
Explanation:
Democracy is a form of government in which the people have the authority to choose their governing officials or to deliberate and decide legislation via direct democracy
Answer:
The Tree of Life symbol represents our personal development, uniqueness and individual beauty. Just as the branches of a tree strengthen and grow upwards to the sky, we too grow stronger, striving for greater knowledge, wisdom and new experiences as we move through life.
Explanation:
Answer: Software
Explanation:
According to the given question, the employees basically works on the payroll department and it uses the various types of customized programs for keep tracking the working hours of the employees.
So, the customized program is one of the example of the software as it helps in developing the various types of specific functions and the efficient characteristics based o the customers requirements.
The main advantage of the customized software is that it helps in the development process and it is cost effective, personalization, integration. Therefore, Software is the correct answer.