According to the <em>"Not Too Big Enough" </em>article, some of the <em>sources of </em><em>scale economies</em><em> in the banking and finance industry</em> are as follows:
1. Bigger banks can spread their investment (fixed) costs over more output, thereby <em>reducing the </em><em>cost per unit </em><em>and making it impossible for </em><em>smaller banks </em><em>to compete in the market</em>. Most often, the smaller banks cannot afford investments in modern banking computing power and systems management.
2. Bigger banks can <em>consolidate banking functions</em> with the <em>elimination of redundancies </em>after each merger and acquisition. The cost of redundancies also gives them economies of scale.
3. Bigger banks have access to <em>larger pools of </em>deposits and will not engage in borrowing at higher costs. Smaller banks cannot tow this line because of their small scale, lacking the required funding mix.
4. Finally, advertising works best where a bank has a large geographic spread. The cost of advertising over a large area is worth it, unlike when a small bank markets its services by advertising.
2. These economies of scale mean that Oligopolies are increasing on Wall Street, and there will be further consolidations of smaller banks. Of course, every small bank would like to engage in mergers and acquisitions to grab a share of the scale economies.
Thus, <em>as banks grow large</em>, they should be mindful that enjoying the scale economies comes with the risk of crumbling like the banks regarded as <em>"too big to fail" </em>when they build on a pack of cards.
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Organizational architecture is the combination of organizational structure, culture, control systems, and human resource management systems .
<h3>What is Organisational Architecture?</h3>
Organisational Architecture serves as the structure that integrates the human activities and capital resource utilisation within a structure of task allocation.
Therefore, Organisational Architecture helps to determine how efficiently and effectively organizational resources are used.
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Answer:
Re-intermediation
Explanation:
Re-intermediation is the method applied by most businesses in using the internet to bring together new customers for a business. The advent of technology can afford business owners the possibility of eliminating physical intermediaries in a business. For example, house agents help people who are seeking for new places to live in, find houses easily. Through the internet, however, landlords can directly advertise their vacant houses, thus eliminating the agent relationship which would have served as an intermediary.
So, when established manufacturers by-pass Amazon (which is an intermediary between buyers and sellers) by adding online services to their existing offerings, they have done a re-intermediation.
Answer:
Yes I do.
Explanation:
1. Serve others.
2. Plan a community bazar to gain founds and donate them to local foundations with social objetives.
3. Organize a cinema at park festival for help vulnerable population to enjoy and recreate different activities that they normally don't have access to.
4. Go to a geriatric and plan some activities like chess contest, dance and teather to help them to feel distracted of the loneliness for a while at least one a week.
5. Go to visit to somebody and prepared some cookies, talk to that person, listen to and enjoy of a great chat.
6. Paste some motivational notes in random places. (subway, restaurants, public bathrooms).
