Financial Service | Banking

Problem

There are a couple of times that you see people looking for money to settles their debts. A lot of situations prevent people from reaching their financial goals.

Have you ever get the chance to experience an opportunity which when you delay to goes away. You know the times that you mist should not be a problem; you have to be sensitive and researching to connect yourself to the upcoming opportunities.

The problems of the people could not be forgotten; profit declination, stagnation, fear, economic recession, inflation, etc.

The low influx of new technologies to create an online utility-shop zone, insufficient wireless technology, insufficient systems to support the tax revenue collection. No one convenient credit card introduced by local banks to make all utility payments. No headquarters, institutions and offices cooperating to use on-line banks for transactions. No banking systems promoting online businesses (stores and shopping), online banking and referral marketing.

My investor, the absent of customers from visiting the banks to save funds because customers are located at far homes and far business centers.

Solution

Star Plus Consult came into existence to the enable people to have the opportunity to make deposits, withdraw and transfer funds in a convenient manner where-ever they find themselves. Introducing the residual-based income or royalty business

To enable customers to pay their utility such as energy, cell phone bills, and online banking credit cards which could raise profit for the company?

The marketing strategy of using Mobile banking service to develop the market in target markets and other communities. The customer balances could be showcased by synchronizing systems to reflect deposits and withdrawals. Give hard-copy receipts to depositors and withdrawals. 

Ensuring the competency of staff (mobile bankers) at routines of work and delivering better customer service to become proactive. To partner with mobile networks to use the SMS Banking systems. 

Total Asset profitability could transform the bank and contribute to deliver better banking services to people in the community. Account preparations for business activities will be subsistence for three years, which will be audited and communicated at company meetings.

Financial Product & Service

The Securities of governmental institutions and Investment of service providers and customers and the due received from other debtors (other banks and service providers).

Account preparations such as current account and international dollar account could bring money from charges of account preparation and counter-cheques.

Constant deposits made by customers will help customers earn better packages introduce by the bank in future. Loans will be available to retain customers and win customers from other banks to join our financial institution. The history of the financial service in Ghana is attractive and loans have been released to customers at a favourable interest for over 25 years now. The foreign exchange products which are recognized worldwide will be introduced and the branches will be extended into other communities.

Recently, the business news release shows that the loans given to customers are flexible.

The formulation of the utility-based store in conjunction with our financial service will help to increase customers. 

People

Based on the implementation of new technologies, Star Plus Consult developed the concept of a better leadership and marketing strategy to give lucrative opportunities to their customers and also win and motivate people from other business segments such as fishing, agriculture and forestry, manufacturing, mining and quarrying, commerce and finance, transport, storage and communication, service providers and customers from private enterprises, private and  public agencies, governmental offices, business travelers, investors and foreign students in the state.

Hard-copy documents of financial proceedings between the customer and the bank with be inputted on the bank-database systems and it will be printed and given to customers from different segments for filing and future reconciliations.

Income Plan

The financial institution will give their workers a favourable pay plan, allowances and commissions for showing up innovative efforts to raise the services of the financial institution.

Relevance Of Services (Banking Products)

1.     Interest income will bring proceeds.

The interest income that will be made from the interest expenses incurred from interest will bring profits (net interest income).

2.     Fee and commission income will help a lot.

The monthly charges that will be collected from account preparations will bring proceeds. Commission received from the additional services will help.

3.     Commissions will be gained from residual based service or royalty business.

The commissions will be made by introducing the new online utility shop that will help customers in different locations to pay their energy, cell phone bills, insurance and other forms of utility with a genuine credit card. The training on new technologies and applying in our way of banking operations will help the company.

4.   Cash-flows from profitable operating activities, will exceed the operating expenses such as bad debts, liability, tax and national levy. Provisions will be made to redeem the revenue from operations.

5.     Mobile money system will bring good relations and ensure better customer services in our activities.

Reduce travelling long distances to deposit funds, transfer funds and withdraw funds. The mobile bankers will contribute in bring deposits all the time. Open accounts for interested people in market centers, offices and prepare a prospect list for their potential customers and win them to save their sales or revenue from their business activities with us

6.     Earn commissions from creating a local online store to enable customers and people to patronize products through our market place.

Commissions gained from opening warehouse to keep the products and services of vendors and input them on Store Systems. Post adverts and banners on products on the web to win customers to buy by electronic payment system.

7.     Gaining more from investing the profits made by the bank in colleges and hospitals in the community.

Future profits should be diverted to formulate private colleges to educate people and set up hospitals to cure the sick. Investing funds in agriculture (commodity export), college, oil marketing business and hospital will bring maximum profit.

    Which could later be used to expand the activities of the financial service by opening     new branches in Ghana and later internationally.

Opportunity 

The recommended place of investment in Africa is Ghana. Every time people come here from all parts of the world to look for business opportunities that they could use to make millions of dollars.

More business travelers and investors have made this place the number one on the investment list of states in Africa.

Research from the Association of Industries shows that, more business projects are going on here and more opportunities are yet to come in future.

Every time money flows from projects to different projects, institutions, individual and other sectors of the economy.

It is recommendable that, you commence a Financial Service and later upgrade to full-time Bank. You can start operating as a Financial Service and in future progress into full-time Bank.

Cash flows from business to business, institutions to project managers and students to schools, individuals to service renders, etc in the state.

Incorporating a financial service is the best option. People need to get financial solutions. When your financial service is operating in the communities, people will develop in financial management. People will get the right information about savings and earnings from foreign exchange products and invest in company shares.

Training on new technologies and applying wireless technologies will contribute to the welfare of the banking activities.

New constituencies are being formed each year and more markets are developing and if new financial institutions are introduced into the system they will solve money management issues for their customers.

Mobile Banking workers will ensure that the financial organisation develops more market share and serve their customers very well in target markets. They will increase their customers annually when they get new customers from introducing mobile banking systems in their business.   

Currently, more graduates getting jobs need bank accounts to receive their wages and salaries. They need to know about how loans can help them achieve goals rather than them fearing to take loans.

My investor, setting up your personal financial service will help you make millions and billions of dollars.

The periodic charges, commissions and interest earned on loans and investments will enable the bank to make profits.

Applying and delivering what the customers’ want everyday will contribute that you offer loans with flexible interest rates which will enable more people to take loan to invest and pay back with interest compounded.

Corporate alliance with group banks to introduce Visa Cards used at a number of ATM systems belonging to group banks.

You can collaborate with an association of marketers so that they can formulate an on-line store, warehouse to keep the products and services of vendors to enable transactions to be made online through our financial service systems online.

Profits from the banking business could be invested to build colleges and hospitals in the communities to also generate profit for the proposed bank.  

I know you are ready to start your financial service now. Kindly view the contacts and you could inquire for your proposal and business plan.