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.
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