Source = e-Travel Blackboard: N.J Qantas CEO says turnaround plan is working. The Qantas Group is delivering all its targeted goals, according to the carrier’s chief executive Alan Joyce.Speaking at a financial update today, the airline announced all segments of the Group’s portfolio were profitable during the six months ending 31 December 2012, with the exception of Qantas International.Statutory profit after tax increased by 164 percent to $111 million during the second half of 2012, while underlying profit before tax was $223 million.Although still profitable, Qantas Domestic’s underlying EBIT fell from $328 million in 1H12 to $218 million in 1H13, while Qantas International losses were reduced by 65 percent, sitting at $91 million in 1H13, an improvement of $171 million compared with 1H12.Mr Joyce said Qantas International’s result were an indicator that the group’s turnaround plan was improving business and suspending non-profitable routes and services, although tough decisions, were ultimately benefiting the airline.Meanwhile, the Group expects 2H13 to remain strong despite a challenging environment, predicting an increase of 0.5-1.5 percent compared to 2H12.Speaking at the financial update, Mr Joyce also announced the group would upgrade its entire A330 fleet and order five new Boeing 737s.Click here for more information. ……
Petition against credit card surcharges delivered. An online petition against Jetstar’s credit card surcharges has gained further support, with more than 35,000 signatures.The petition, constructed as a giant paper plane, has been delivered to the airline’s Melbourne headquarters.Gold Coast businessman Klaus Bartosch started the petition earlier this year, demanding Jetstar scrap the AU$8.50 credit card surcharge on purchases.“Every credit card holder in Australia should be worried,” Mr Bartosch said.“It’s just a complete rip-off.”Jetstar said customers had a choice on how to pay for flights, including using direct deposit.“Our customers can choose from four different payment methods when booking to avoid a booking and service fee,” a Jetstar spokesperson said.Earlier this year, e-travel Blackboard reported that certain domestic airlines and CabCharge had been branding card surcharges as a ‘booking fee’, a ‘booking and service fee’ or a ‘fee for financial services’. Source = e-Travel Blackboard: P.T.
Fom left: Andrew Powell MP, Minister for Environment& Heritage Protection, Alan Curtis Daintree DiscoveryCentre, Jann Stuckey MP, Minister for Tourism, MajorEvents, Small Business and the CommonwealthGames. Source = Daintree Discovery Centre The Daintree Discovery Centre has been recognized in winning the Small Business category at the Premier’s Sustainability Awards held in Brisbane last Friday the 14th June 2013.The award was presented to the Discovery Centre’s Alan Curtis by Minister for Tourism, Major Events, Small Business and the Commonwealth Games, Minister Jann Stuckey.‘The Centre has demonstrated it is a high achiever and a leader in adopting sustainability practices that reduce its environmental impact and strengthen its commercial viability’ said Ms Stuckey. ‘It sets high standards and receives $2,500 to support sustainable initiatives and everyone involved in the Centre is to be commended for their efforts’. In accepting the award, an elated Alan Curtis thanked the team at the Discovery Centre and owners / directors Ron and Pam Birkett who are currently abroad.‘We’re thrilled to be recognized in this way. Everything we do at the Discovery Centre reinforces the need to preserve the Daintree Rainforest. We have elevated walkways designed to protect the fragile root systems, Interpretive displays that foster environmental sustainability and we models best practice in water conservation, waste management, recycling and eco-friendly design’. He also added ‘We are a carbon neutral business since establishing our Carbon Offset / Bio-sequestration project in 2007, and we sponsor Carbon Flux research by James Cook University. The Centre is also one of 10 environmental research Supersites that form the Australian Supersite Network collecting scientific data across various ecosystems’. The multi award winning Discovery Centre is a world-class interpretive facility nestled in the heart of the Daintree rainforest, just 10 kilometres north of the Daintree River and boasts a spectacular Aerial Walkway leading to a 23m high Canopy Tower.The tower provides viewing of the very top of the rainforest canopy, while the walkway allows unprecedented access to the mid level rainforest. For international visitors, Self-guided Audio Tours are available in 8 languages.An accredited Wet Tropics visitor Information Centre, the Daintree Discovery Centre is open daily from 8.30am to 5pm and also carries Advanced Eco-Tourism and TQUAL Accreditation and is a Climate Action Business.
Source = ETB News: P.T. Various Commonwealth and state government authorities accessed the current technology, after it was introduced in a bid to reduce identity fraud, containing images dating as far back as 1999. The Department of Foreign Affairs and Trade (DFAT) has put forward a request for tender, searching for companies to fill a new advisory panel for biometric technologies, news.com.au reported. The Australian Government is investigating alternative technologies, such as voice recognition and eye-scanners, to be used for passport identification. While Australian passports have included facial recognition technology since 2005, the new panel will be “expanded to include additional biometrics such as voice”, according to the tender.
The additional agreements equate to a further 70 locations in the space of one week. More than 300 helloworld locations are already on board, while a further 420 location agreements are underway, placing the new travel brand ahead of its transformation targets. “As a result of our business transformation, our new travel brand, helloworld, is now being introduced to travellers across the country… this puts us in a very strong position as we move into 2014,” helloworld chief executive Rob Gurney said. helloworld has revealed agreements for 720 retail locations across Australia. helloworld recently revealed the layout of their concept store to media and partners in Melbourne and have also launched their new consumer website, powered by Orbitz Worldwide technology. helloworld has assisted agents returning retail agreements by providing a range of launch incentives. Source = ETB News: P.T.
Moody’s Investor Services lowered the Australian carrier’s senior unsecured rating to Ba2 (outlook negative), following a decision to place the company on review in December 2013. “The Group has made significant progress over the past two years to reduce costs and increase competitiveness, as part of Qantas’ biggest transformation since privatisation,” Qantas chief financial officer Gareth Evans said. An update on the Qantas Transformation program is due to be released in February 2014. The downgrade was issued in response to Qantas’ projected underlying losses before tax of up to AU$300 million for the first half of FY2014. “In addition to cost-cutting, substantial reductions to our planned capital expenditure pipeline will be vital to ensure a return to positive free cash flow in FY2015 and beyond. Qantas Airways has responded to Moody’s Investor Services’ outlook downgrading, emphasising its ongoing transformation program will assist in retaining financial strength and flexibility. Source = ETB News: P.T. In a statement to the Australian Securities Exchange (ASX), Qantas said it had reduced gross debt by AU$1 billion over the course of FY2013, substantially extending its debt maturity profile through a range of transactions. The airline also declared that it has no significant debt refinancing commitments until mid-2015. “However, earning conditions have deteriorated rapidly in recent months and we now face some of the most challenging circumstances in our history, including an uneven playing field in Australian aviation.”
Japan National Tourism Organisation Qantas goes double daily to JapanQantas is preparing for a significant expansion of its presence in Japan with the launch of double daily services between Australia and Tokyo this weekend.Qantas flight QF25 will depart from Sydney to Tokyo’s Haneda Airport tonight, followed by the departure of QF61 from Brisbane to Narita Airport tomorrow morning.Qantas International CEO Gareth Evans said the almost doubling of capacity to Tokyo marked a new era for the national carrier’s presence in Japan in the wake of a growing Australia-Japan travel market.“This significant capacity expansion has been extremely well-received by Qantas customers and especially by corporate travellers heading directly to downtown Tokyo, who can now save up to one and a half hours on their airport commute by flying into or out of Haneda,” said Mr Evans.“Customers travelling on the new Brisbane-Narita route can explore Tokyo or beyond with popular holiday destinations across Jetstar Japan’s extensive domestic network, like Sapporo, Fukuoka and Osaka.“We’ll be working closely with our tourism partners to showcase all that Australia has to offer for the Japanese audience, and with a free trade agreement in place we’re anticipating healthy demand for travel in both directions,” added Mr Evans.Launch celebrations will commence at Brisbane International Airport Saturday 1st of August with Japanese-themed activity throughout the terminal and a water cannon salute to mark the departure of QF61.Traditional Japanese ceremonies marking Qantas’ new Tokyo – Australia services will take place at both Narita and Haneda Airports later that evening.Qantas’ Brisbane-Narita launch flights will be operated by the airline’s refurbished A330 aircraft, with lie-flat seats in Business, brand new Economy seats and new inflight entertainment. The refit of these aircraft, which takes one month each, is being done at Qantas’ heavy maintenance facility in Brisbane. These aircraft are being introduced progressively onto Asian routes.To celebrate the launch of the new Japan services, customers onboard flights departing to Narita and Haneda and in Qantas International Lounges in Sydney and Brisbane will be treated to Japanese-inspired menus for the first week of August, including Tuna Tataki Nigiri in Business, and Green Tea flavoured Kit Kats in Premium Economy and Economy.The launch of double daily Qantas flights to Tokyo follows Jetstar’s introduction of its Boeing 787 Dreamliner on the Melbourne-Narita route earlier this month, increasing the available seats between the two cities by 20 per cent over the next year. The upgrade from Airbus A330 aircraft to the higher capacity B787 will be complemented by an increase in flights from four to six per week December to March to meet growing demand for flights between Melbourne and Japan in the peak season. Fly Qantas Source = Qantas
From left to right: Mr Mohd Rafin, Park Hotel Group’s Chief Corporate Officer, Mr Allen Law, Park Hotel Group’s Chief Executive Officer, the Honourable Martin Hamilton-Smith, Minister for Trade and investment, Minister for Defence Industries and Minister for Veterans’ Affairs, South Australia, Mr Raymond Chia, PBM, Chief Executive Officer and Chairman of LGB Corporation Pte Ltd, Mr Jonathan Lee, Director of LGB Australia Pty Ltd, Mr Jim Williams, Architect at GHD Woodhead AdelaidePark Hotel Group Secures first hotel outside Asia as an addition to its fast expanding portfolio, this time with a new hotel in Australia. In a hotel management contract with Pirie Investments (AUS) Pty Ltd, the Group will manage Park Hotel Adelaide, its first hotel in Australia. The hotel is scheduled to open in the last quarter of 2018.The signing ceremony, graced by the Hon Martin Hamilton-Smith, Minister for Investment and Trade, Minister for Defence Industries and Minister for Veterans’ Affairs, South Australia was held today in Singapore. It signifies the debut of the Park Hotel brand in the Oceania region as the Group continues its aggressive expansion into key destinations across Asia Pacific.“Park Hotel Adelaide marks a significant milestone for Park Hotel Group. We have been looking to expand into Australia for a while and this collaboration presents an exciting opportunity for us to do just that. Adelaide has seen a massive expansion of convention facilities, the medical precinct and the Riverbank and Adelaide Oval development and represents tremendous growth opportunity. Increased flight connectivity, strong event calendar and continued growth of the Chinese and Asian markets would also drive record visitorship. We are extremely optimistic about Adelaide’s tourism prospects.” said Mr. Allen Law, Chief Executive Officer of Park Hotel Group.Pirie Investments (AUS) Pty Ltd is a fully owned subsidiary of LGB Corporation Pte Ltd (“LGB”); an established real estate developer with a portfolio of development projects in Australia, Vietnam and Singapore. Headquartered in Singapore, LGB’s regional Australian office is based in Adelaide. Mr. Raymond Chia, PBM, Chief Executive Officer and Chairman of the Group, is well known in the development industry and is looking to invest further into Australia, including South Australia.“The Park Hotel brand has always resonated strongly in the Asia Pacific region. We are excited about this partnership, and confident that with Park Hotel Group’s track record and expertise, the new hotel is well-poised to elevate the standards of quality upscale accommodation in Adelaide whilst contributing to the growth of tourism in this dynamic destination.” said Mr Chia. Come September, he will also be leading a delegation of international entrepreneurs to visit South Australia to view the group’s projects there.Commanding a prized location in the heart of Adelaide’s Central Business District, the 250-key new build Park Hotel Adelaide is a short 20 minutes’ drive from Adelaide International Airport. The hotel is also easily accessible via other major transportation with the Adelaide Railway Station and Central Bus Station a stone’s throw away.The hotel will be part of a mixed-use development that also features 280 private residences. Designed by award-winning GHD Woodhead, the project will integrate modern spaces into one of the city’s most iconic heritage landmarks. The building will be a stunning juxtaposition and reflective of what Adelaide represents; a vibrant capital city built upon a tapestry of rich history and colourful culture.In addition to 250 modern guest rooms and suites with views of a magnificent urban skyline, Park Hotel Adelaide offers a concept café and bar as well as recreational facilities including a gymnasium and swimming pool perfect for road warriors. Interspersing the many high-rise offices is an endless choice of dining, shopping, sightseeing and entertainment options in the precinct; the wide array of contemporary restaurants and bars most notably found along Gouger Street, the collection of museums and art galleries at North Terrace, abundance of parks and fresh produce at the historical Adelaide Central Market, one of the world’s largest fresh produce market amongst others.Other noteworthy attractions such as Rundle Mall, Adelaide’s recently-refreshed premier shopping enclave home to more than 700 stores, the Adelaide Zoo, Adelaide Convention Centre, Adelaide Oval and the Adelaide Casino are but less than 10 minutes away.“This is a coup for South Australia – another upscale city hotel will boost our $5 billion tourism industry and support the more than 33,000 people it employs,” The Hon Martin Hamilton-Smith said. “A $175 million development will be a positive addition to our vibrant city and highlights the potential benefits of engaging with international investors.”Construction on the 30-storey development is expected to start early 2017, with the creation of over 200 construction jobs and the hiring of over 40 consultants as a result of the project. A further 100 jobs will be created on completion.“As we seek to extend our brand footprint in strategic destinations across Australia, we shall continue building upon our service philosophy of genuine care and loving hospitality; and extend it to our guests in this part of the world.” Mr Law added.Park Hotel Group is three-time winner of Best Regional Hotel Chain at the TTG Travel Awards which honours the best of the best in the Asia Pacific travel trade. 2015 marks an exciting year for the Group with the opening of Park Hotel Alexandra in Singapore and the launch of its first resort in Bali later this year. The addition of Park Hotel Adelaide will see the Group own and manage 12 properties across five countries and eight cities. Source = Park Hotel Group
TravelManagers Australiabecome a Personal Travel Manager here From top right some of the many PTM and NPO participants at TravelManagers’ NSW, South Australia, West Australia and Queensland state meetingsTravelManagers State Meetings a winning formula with Personal Travel ManagersAustralia’s leading personal travel manager network TravelManagers, recognized 36 personal travel managers for their five-year service at the latest round of bi-annual state meetings across Australia. A total of 149 personal travel managers have achieved this status having been with the company for five years or more.Executive General Manager – Michael GazalThe fact that over thirty percent of personal travel managers have been with the company for more than five years does not surprise Michael Gazal, TravelManagers’ Executive General Manager.“TravelManagers is a company that really cares about its people and recognizing talent and providing opportunities for growth is of absolute importance to us. We provide training, famils, technical support and mentorship, amongst other things. The ability to be your own boss with the freedom and flexibility to work how and when you choose, we know works.”A total of 262 personal travel managers attended the November state meetings held in Perth, Sydney, Melbourne, Adelaide and Brisbane together with 22 national partnership office staff and three partner suppliers.“As much as the personal managers love the networking aspect, the key focus for these bi-annual state meetings is ensuring everybody is kept up to date with developments in our business. We’ve been holding local state meetings with our personal travel managers twice yearly for the last eight years. These meetings are designed to complement our national annual conference as we believe consistency and providing relevance and adding value is the reason we obtain extremely high participation rates across all states.”Mark Carter formerly a Contiki Holidays European tour director, industry trainer and leader delivered the keynote presentation on value and success, which proved hugely valuable to the personal travel managers.“Mark’s presentation was excellent, as he made you review your business ideas and ways of dealing with your clients,” says Peter Carmichael, representative for Merewether,, New South WalesTravelManagers’ Marketing Manager Chrissy Tayfield and her team provided an update on what’s new in marketing followed by group activities providing a series of ‘real life’ marketing scenarios in order to collect and share their ideas on networking, encouraging repeat and referral business, supporting your local community, hosting an event, planning a travel expo and building business alliances.Marta Fergusson, representative for Reedy Creek, Queensland was inspired by the presentations and welcomed the benefit of networking with the other personal travel managers.“I really got a lot out of the entire day and have come away with some tips from my fellow personal travel managers that I plan to implement. It was the first time I really came away thinking ‘I can do that too!’”Gazal is proud that the TravelManagers’ state meetings are a winning formula with personal travel managers.“The feedback over the years from our personal travel managers has always been that our inclusive strategy, strong business focused agenda, large contingent from our national partnership office and hosting by our locally based business partnership managers really works,” he says.A virtual state meeting was held via webinar for the personal travel managers who could not attend in person.“We follow up with a webinar so that everyone has the opportunity to be part of the team process and across new developments,” says Gazal.In addition to the bi-annual state meetings and annual conference, personal travel managers enjoy a range of networking and training opportunities throughout the year.“The national partnership office together with business partnership managers facilitate frequent regional meetings around suburban clusters and regional centres in country areas. Regular supplier and technology training as well as multiple weekly webinars covering a wide range of both general and specialist subjects are ways in which we continually ensure our personal travel managers receive the latest information at a time and place that suits them best,” says Gazal.Personal travel managers being recognized for five year service from top centre are Richard Le Comte (Cleveland, QLD); Irena Bryant (North Epping, NSW); Bec Crosbie (Alfredton, VIC); Rebecca Harrison (Brookfield, QLD); Dionne Smith, Girards Hill, NSW) and Lucrezia Caruso (Athelstone, South Australia).For more information or to speak to someone confidentially about TravelManagers please contact Suzanne Laister on 1800 019 599.About TravelManagers TravelManagers operates in all Australian States and is a wholly owned subsidiary of House of Travel, Australasia’s largest independent travel company which has a forecast turnover of $1.5 billion for 2015. TravelManagers is a sister company to Hoot Holidays, also owned by House of Travel, and has more than 490 personal travel managers throughout Australia with a dedicated support team at the company’s national partnership office in Sydney. TravelManagers places all customer money in a dedicated and audited Client Trust Account which is separate from the general business accounts, ensuring client funds are only used for client purchases. Source = TravelManagers Australia – Barry Mayo
Canopy by Hilton opens first hotel in Reykjavik, IcelandCanopy by Hilton, Hilton Worldwide’s new lifestyle brand, and Icelandair Hotels, have announced the opening of the world’s first Canopy hotel in the city of Reykjavik.Canopy by Hilton Reykjavik City Centre is centrally located on Hverfisgata Street, a thriving area in the heart of the city. The Icelandic capital, with its artistic flair, thriving culinary scene and backdrop of dramatic volcanic landscapes, is the ideal location for Canopy’s global debut.“Reykjavik is unlike any other city on Earth. Its rich heritage and natural beauty perfectly align with the ethos of the Canopy by Hilton brand,” said Gary Steffen, global head, Canopy by Hilton. “We are thrilled to open the doors and begin greeting adventurous travelers searching for a unique experience to this city centre neighborhood in Reykjavik.”Canopy by Hilton Reykjavik City Centre is designed as a natural extension of Hverfisgata Street, with local design influences and natural materials used throughout the hotel’s architecture and interiors. The hotel is at the heart of Reykjavik, surrounded by iconic attractions such as Laugavegur, a street known for its shopping, eateries, and pubs, and Harpa Concert Hall and Convention Center, as well as from Old Reykjavik Harbor, which offers incredible views of Mount Esja and the landmark Hallgrimskirkja church.Canopy by Hilton Reykjavik City Centre is steeped in local culture, and guests can taste Iceland’s famous Omnom chocolate on site, enjoy water naturally filtered by Icelandic lava, and immerse themselves in local literature when relaxing in poets’ corner – an ideal setting for literary relaxation.Simon Vincent, executive vice president and president, Europe, Middle East, and Africa, Hilton Worldwide said: “Over one million foreign travelers visited Iceland last year*, and Reykjavik is an incredibly exciting and unique city to visit. The introduction of Canopy establishes a new home for discerning lifestyle travelers to Iceland, and we’re thrilled to build on our longstanding partnership with Icelandair Hotels.”“With the support from Hilton Worldwide, as well as our Icelandic partners, this has become a distinguished property for Reykjavik,” said Magnea Thorey Hjálmarsdóttir, managing director, Icelandair Hotels. “We’ve changed the face of hospitality in Iceland with the Canopy lifestyle brand, and we look forward to welcoming visitors from around the world.”The Geiri Smart restaurant is open for dinner for guests and locals ready for a night out. Lead Chef Enthusiast, Jóhannes Steinn Jóhannesson and Sous Chef Enthusiast, Bjarni Siguroli Jakobsson, put their own spin on local delights such as fresh fish and organic vegetables.All 112 rooms and suites are designed to fit in with neighborhood culture. Shades of ocean blue and gray volcanic rock make the interior comfortable and invigorating – a true reflection of Reykjavik. The rooms have been decorated with fun, local twists, such as a little Reykjavik Music Box which will lull our guests to sleep with an Icelandic lullaby.A 24-hour fitness center is available, as well as event and meeting space for up to 50 people. The hotel provides complimentary bicycles for guest use, and Enthusiasts can recommend local routes to explore the city and surrounding trails. Canopy by HiltonSource = Canopy by Hilton
Qantas Wi-Fi to get a workout with Foxtel, Netflix and Spotify on boardQantas Wi-Fi to get a workout with Foxtel, Netflix and Spotify on boardQantas customers on Wi-Fi enabled domestic flights will be able to watch their favourite shows, avoid missing out on live sport and listen to almost any song they like, with Foxtel, Netflix and Spotify coming on board to provide content in 2017.With speeds up to 10 times faster than conventional inflight Wi-Fi, Qantas will offer customers video and audio streaming when the service is switched on its first aircraft in late February this year. The rest of the airline’s fleet of domestic Boeing 737 and Airbus A330 aircraft will follow from mid-2017 onwards.The faster connection speeds – which enable streaming – are made possible through the nbn Sky Muster™ satellite service and represents a significant upgrade over older satellite technology accessed by most airlines around the world. The service uses idle data capacity, with the signal reaching the aircraft as it flies through the satellite’s 101 spot beams across Australia.Qantas Group Executive of Brand, Marketing and Corporate Affairs, Olivia Wirth, said that fast, free internet will open up a huge range of options for customers inflight.“We know that email, online shopping and general web browsing will be popular uses when we switch on Wi-Fi, but what a lot of people relish about flying is being able to catch up on their favourite TV shows or watch movies they didn’t get to see at the cinema,” said Mrs Wirth.“Foxtel and Netflix both have huge catalogues that are expanding all the time, so there will be no shortage of entertainment on board.“The usage data from the collection of albums we already have on our aircraft shows that music is a great way for passengers to relax as they watch the world fly by. Spotify will open this up so you can listen to virtually any song you like,” she added.While Foxtel, Netflix and Spotify are all paid subscription services, they will offer free access to Qantas customers on and off the aircraft for between three days and one month after their Qantas flight.Specifically: Foxtel will offer three days free access to its Foxtel app every time a customer flies, allowing customers to stream live sports, news and TV shows as well as its full range of on-demand content. No sign-up to a subscription is required.Netflix will offer new customers access to the entire Netflix service as part of a 30-day free trial. Existing Netflix members only need to log in to continue watching at no extra charge.Spotify will offer a 30 day free trial of its Premium music service, which has no ads, shuffle play and unlimited skips.(Note – both Netflix and Spotify require customers to sign-up to a subscription to access the free trial.)Customers will log on to the Qantas inflight Wi-Fi via their own devices, and will be greeted by a landing page with a range of options (see attached images). As well as links to access Netflix, Spotify and Foxtel, this page will feature real-time flight data; hotel, restaurant and transport options at your destination; the latest weather; and personalised information linked to your itinerary and Frequent Flyer account. Streaming of Sky News Australia will also be available.Qantas is in discussion with a range of content partners on ways to improve the on board experience using Wi-Fi.In November 2016, Qantas installed ViaSat satellite-receiving equipment on its first 737 to be Wi-Fi enabled. Hardware and software testing is underway on this aircraft, ahead of the service being switched on for customers soon.FOXTEL Brian Walsh, Executive Director of Television at Foxtel said, “We are delighted to be able to extend our partnership with Qantas to support this great new service for passengers. With access to Foxtel both while flying and on the ground afterwards, Qantas passengers will enjoy some of the best live and on-demand content that Foxtel has to offer.“Qantas passengers will also have access to Foxtel’s deep and extensive library of new and returning signature drama and entertainment programming. In February and March alone these include HBO’s highly anticipated new drama Big Little Lies, staring Nicole Kidman and Reece Witherspoon, The Walking Dead, Call the Midwife, The Real Housewives of Sydney, Selling Houses Australia, The Flash, Arrow, Divorce, The Mick, Gogglebox and much more, plus all past episodes of blockbusters such as Game of Thrones”.NETFLIX “Qantas is at the forefront of providing free and fast inflight wi-fi to their Australian customers,” said Bill Holmes, Netflix’s global head of business development. “Now passengers can settle in and enjoy The Crown, Black Mirror and more shows and movies on their own devices, whenever they want.”SPOTIFY“Travel is an experience made better with music and at 40,000 feet music fans will now be able to access all their favourite Spotify playlists or discover a world of music from our catalogue of over 30 million tracks,” said Kate Vale, Managing Director at Spotify Australia & New Zealand.“We are excited to be working with Qantas on innovating and enhancing the customer experience in-flight by offering access to Spotify’s award-winning service on Wi-Fi enabled Qantas flights,” she added.Source = Qantas
New fine dining experience for Ayers Rock ResortNew fine dining experience for Ayers Rock ResortVoyages is delighted to announce the launch of an exclusive new fine dining experience, Mayu Wiru, which will commence nightly at Ayers Rock Resort from 22 October 2017. Mayu Wiru, meaning ‘beautiful flavour’ in local Pitjantjatjara, is a premium experience for a maximum of 16 guests that will combine the epitome of fine dining together with a premium Field of Light experience.Ray Stone, Executive GM Sales, Marketing and Distribution for Voyages Indigenous Tourism Australia, commented: “We have been overwhelmed by demand for premium experiences, and we are delighted to introduce the new Mayu Wiru concept, which will be on offer during the warmer months. This very special evening will combine an exceptional gourmet menu celebrating the ancient flavours of Indigenous Australia with the most exclusive way to experience Field of Light Uluru”.The evening begins with Champagne and bush tucker-inspired canapés at a private lookout within the grounds of Sails in the Desert hotel, followed by a 3-course table d’hôte Indigenous-inspired menu with perfectly matched wines in the hotel’s private dining room. After dinner, guests are transported to a dune top for a nightcap and to enjoy panoramic views of the stunning Field of Light Uluru and a star talk on the southern night sky and this special evening ends with a private 30-minute escorted walk through the magical art exhibition.Mayu Wiru will run daily from 22 October to 24 March each year, during the hiatus of Tali Wiru. Prices start from $295 which includes return hotel transport, full menu, matched wines and entertainment.For further information visit: www.ayersrockresort.com.au/mayu-wiruFor bookings contact email@example.com or 1300 134 044.Source = Voyages Indigenous Tourism Australia
Club Med appoints New General Manager Rachael HardingClub Med appoints New General Manager Rachael HardingToday, Rachael Harding has been announced as the newly appointed General Manager for Club Med Australia and New Zealand.Harding brings award-winning industry experience and expertise to the role, having worked with The Travel Corporation over the past 15 years on brands including Contiki and Trafalgar Travel. Throughout her decade and a half in the industry she’s worked within the wholesale, retail and corporate markets in Australia and internationally with market-leading brands, high-end luxury organisations and boutique operators. Most recently, Harding received three nominations at the 2018 Women in Travel Awards and took home the win for Sales Woman of the Year.“We’re pleased to welcome such a well-recognised travel professional to lead the growth of Club Med in the Pacific as the company expands its portfolio across the region and globally. Rachael’s passion for the brand and her industry experience made her the perfect candidate for this role,” says Xavier Desaulles, CEO East & South Asia and Pacific.Since the company’s takeover by Chinese conglomerate, Fosun, in 2015, Club Med has seen record growth and profitability, more specifically 6.6 per cent increase year-on-year in customers. This is the result of the successful strategy implemented with Fosun’s support to accelerate the opening of new Premium to Luxury beach and ski resorts all across the globe and keep innovating to deliver an exceptional client experience.In Australia and New Zealand, Club Med has seen a 50 per cent growth over the past three years, which it looks to continue to accelerate in the coming seasons. The successful opening of Club Med’s newest ski resort in Japan, Club Med Tomamu, as well as the opening of the first 5-Trident resort in the Mediterranean, Club Med Cefalu, Sicily, have contributed to this growth, which forms part of Club Med’s international development strategy. Announced earlier this year, the strategy outlines Club Med’s ambition to open three to five resorts globally each year by 2020.These are exciting times for the Club Med business and Harding is committed to help drive this growth trajectory. Harding will commence her new role on Monday 20 August 2018.For further information visit www.clubmed.com.auSource = Club Med
British Airways tops Heathrow Fly Quiet and Green League TableBritish Airways tops Heathrow Fly Quiet and Green League TableBritish Airways’ short-haul fleet has topped Heathrow’s ‘Fly Quiet and Green’ league table, based on its environmental performance from January to March this year.The airline gained the top spot because of its new, more fuel-efficient aircraft, consistent adherence to routes designed to reduce noise for local communities and new landing procedures, optimised to reduce both noise and emissions.Around 50 per cent of aircraft flying to and from Heathrow are operated by British Airways and any improvement to the airline’s 300-strong fleet makes a significant impact.British Airways’ long-haul fleet also featured among the top 10 airlines in the league table, moving 10 places up to sixth. The league table also takes into account emissions per seat, the amount of noise generated by a plane, aircraft age and emissions standards – with newer planes such as Boeing 787s and Airbus 350s among the most green and quiet. In response to the encouraging news, British Airways’ Environment Manager Andy Kershaw said: “We take our environmental responsibilities very seriously and are pleased to be named the cleanest and greenest in class for our short-haul fleet. We have introduced more than 40 new generation fuel-efficient aircraft and will receive a further 70 of these aircraft over the next six years, including A320neo, A350, 787 and 777-9s.“We are building Europe’s first plant to convert household organic waste to sustainable aviation fuel, in Britain, and we are advocates of new global emissions regulation (CORSIA) which will cap airline industry net CO2 emissions from 2020.”British Airways is determined to play its part to find new solutions for sustainable travel. Last month it named a team from University College London the winners of its BA – 2119 Future of Fuels project, which challenged academics in the fields of aerospace, fuels and biotechnology to create a way to fly a long-haul flight for five hours with zero CO2 emissions. IAG, British Airways’ parent company, will invest a total of $400m on alternative sustainable fuel development in the next 20 years.Source = British Airways
Mandated by the Ministry of Interior, State of Qatar, Qatar Visa Centre was inaugurated by H.E. Saif Bin Ali Almohanndi, Consul General, The Consulate General of the State of Qatar, in Mumbai. Having already launched centres in New Delhi and now in Mumbai, five other visa centres in Kochi, Hyderabad, Lucknow, Chennai and Kolkata will be operational shortly.At the new Qatar Visa Center, work visa applicants for the State of Qatar will be able to sign on work contracts digitally, enrol their biometrics and undergo mandatory medical test all under one roof, thus saving time and making it a hassle-free process for the applicants. The move to get work visa applicants to complete the most essential and critical part of their visa processes in the country of origin (India in this case) is aimed at guaranteeing prospective employees their rights in a manner consistent with the best international standards.The visa centre is in sync with international standards guaranteeing greater transparency, traceability and improved anti-fraud measures and security screening mechanisms for the visa applicants. The centre will operate between 08:30 am to 04:30 pm from Monday to Friday.As part of the visa application process, the employer in Qatar will ensure all necessary procedures and make the visa payments on behalf of the applicant. The applicants will only need to book an appointment online and visit the Qatar Visa Centre 15 minutes prior to the scheduled time on a given day. Once at the centre, the identity of the visa applicant will be verified and the list of required documents will be checked, following which a token will be issued. Once the token is being referred to, the respective visa applicant will be explained the contract terms and can thereby digitally sign the work contract. Biometric enrolment and the mandatory medical tests will be done at the centre. Upon completion of the processes at the visa centre, the visa applicant then can choose to track the status of his application online or through their employer in the State of Qatar.H.E Saif Bin Ali Almohanndi, Consul General, the Consulate General of the State Of Qatar, Mumbai expressed gratitude and said, “Our thanks and appreciation to the officials in the Ministry of External Affairs – Republic of India, and the Government of the State of Maharashtra for their continued support to achieve this goal by opening the Qatar Visa Centre (QVC) in Mumbai. This project is one of the advanced projects for the State of Qatar in the field of protection of labour rights and would facilitate the recruitment procedures in countries where centres have been opened including the Republic of India and would provide necessary services for obtaining visas, both for the purpose of visit and residence. Indian expatriates who travel to Qatar for employment, can complete their medical tests and sign work contracts before their departure and this stand confirms to the State of Qatar’s keenness to ensure safety and protection for expatriates and residents.”“As part of Qatar’s willingness to facilitate the work process and protect the rights of expatriates, Qatar Visa Centres will be opened in a number of countries which include India,” said Major Abdullah Khalifa Al Mohannadi, Director of Visa Support Services Dept at the Ministry of the Interior, Doha, Qatar.Suhail Shaikh – Business Head said, “We are honoured to launch the Qatar Visa Centre in India in Mumbai on behalf of Ministry of Interior, State of Qatar. We take great pride in being able to provide transparent, standardised and streamlined visa services for Indians seeking work visas through a simple process managed by our capable colleagues.”Qatar Visa Centre maintains robust multi-lingual information services for the benefit of visa applicants across multiple touch points. Information on appointment scheduling, requirements and steps at the visa centre can be found in English, Hindi, Marathi, Telugu, Bengali, Tamil and Malayalam through a dedicated website (www.qatarvisacenter.com), call centre helpline (+91 44 6133 1333) and walk-in at the reception.
Prices shot up in May even as for-sale inventory showed signs of recovery, according to “”Redfin’s””:http://www.redfin.com/ Real-Time Price Tracker.[IMAGE]The monthly report follows home prices, sales, and inventory across 19 U.S. markets and is based on local databases used by Redfin agents.According to the brokerage’s findings, home prices came in 4.3 percent higher month-over-month and 17.4 percent higher year-over-year in May (to a median $208 per square foot). Eighteen of the 19 markets measured by Redfin saw monthly improvement in prices (Austin being the exception), and all 19 reported yearly increases.Once again, the West proved strongest, with Sacramento, San Francisco, and Las Vegas posting the largest year-over-year price gains: 39.0 percent, 34.7 percent, and 32.5 percent, respectively.Home sales also spiked between April and May, climbing 15.8 percent monthly and 13.7 percent yearly to their highest level since Redfin began compiling the data in January 2010. Fourteen of the 19 markets tracked reported an increase in sales from a year ago, and all 19 saw sales volume rise on a monthly basis.With sales typically peaking in June, Redfin expects another increase in its next report, followed by a tapering off through the rest of the year.The report was released on the same day as the company’s “”special inventory report””:https://themreport.com/articles/inventory-levels-continue-to-grow-in-may-2013-06-17, which showed the number of active listings grew for the second straight month in May. Inventory was still down 22 percent year-over-year, however.””May’s housing market has good news for everyone,”” said Redfin researcher Tim Ellis. “”There are some early signs that the market may be cooling slightly, but for now things are still hot.”” in Data, Government, Origination, Secondary Market, Servicing June 18, 2013 443 Views Agents & Brokers Attorneys & Title Companies For-Sale Homes Home Prices Home Sales Home Values Housing Supply Investors Lenders & Servicers Processing Redfin Service Providers 2013-06-18 Tory Barringer Prices, Sales Remain Hot as Summer Starts Share
Share in Daily Dose, Featured, Government March 5, 2015 639 Views Bill Introduced to Replace CFPB Director With Committee CFPB Federal Reserve HFSC Randy Neugebauer 2015-03-05 Samantha Guzman U.S. Representative Randy Neugebauer (R-Texas) introduced a bill this week intended to replace the director of the Consumer Financial Protection Bureau (CFPB) with a five-member commission. He announced his plan to support legislation in his testimony at a House Financial Services Committee (HFSC) hearing held on Tuesday, March 3.U.S. Rep. Randy Neugebauer“As we approach the five year anniversary of the Dodd-Frank Act, which created the CFPB, now is a good time to reflect on the Bureau’s impact on the American consumer,” said Neugebauer, who will be the keynote speaker at the Five Star Government Forum in Washington, D.C. on March 18. “Over the last several years, the Bureau’s actions and record have proven it can’t function in a sustainable manner. Perhaps, more than any other Washington agency, the CFPB has demonstrated a lack of transparency and a lack of accountability. It has proven it is susceptible to political influence – bringing into question its independence. This is all the more troubling because the Bureau has an important mission: to protect consumers.”HFSC Committee Chairman Jeb Hensarling (R-Texas) warned of the overreach of the CFPB in his opening statement at Tuesday’s hearing and showed support for a five-member committee.“The CFPB undoubtedly remains the single most powerful and least accountable Federal agency in all of Washington. When it comes to the credit cards, auto loans and mortgages of hardworking taxpayers the CFPB has unbridled, discretionary power not only to make those less available and more expensive, but to absolutely take them away,” Hensarling said. “Consequently, Americans are losing both their financial independence and the protection of the rule of law.”Neugebauer’s proposal would replace the CFPB director with a bipartisan, five-member commission appointed by the president for five-year terms, with no more than three from a single political party. According to the draft legislation, the CFPB would also be renamed as the “Financial Product Safety Commission” and would no longer be funded by the Federal Reserve, but by its own budget appropriation.“The Bureau is fundamentally unaccountable to the president since the director can only be removed for cause. Fundamentally unaccountable to Congress because the Bureau’s funding is not subject to appropriations,” Hensarling said. “Fundamentally unaccountable to the courts because Dodd-Frank requires courts to grant the CFPB deference regarding its interpretation of federal consumer financial law. Thus, the Bureau regrettably remains unaccountable to the American people. That is why we need the CFPB on budget and led by a bipartisan commission; mere testimony is not the equivalent to accountability.”Credit unions and organizations representing banks have expressed support for the bill as well. A letter signed by the American Bankers Association, American Financial Services Association, Consumer Bankers Association, Credit Union National Association, Financial Services Roundtable, Independent Community Bankers of America, National Association of Federal Credit Unions, and U.S. Chamber of Commerce spoke of their shared belief in Neugebauer’s plan.“We believe that a five-member commission, as Congress originally intended, will better balance consumer access to financial products with the need to ensure a fair marketplace,” the bankers wrote in a letter on Wednesday. “In 2009, then-House Speaker Nancy Pelosi, then-House Financial Services Committee Chairman Barney Frank, and Ranking Member Maxine Waters led passage of legislation in the House with strong Democrat support to create a five-member commission to oversee the CFPB, which is nearly identical to what your legislation proposes to do.”A similar bill was introduced in the House a year ago but it failed in the Senate. Last month, Senator Rob Portman (R-Ohio) revived legislation that would appoint an independent Inspector General to the CFPB in hopes to improve oversight. Representatives Steve Stivers (R-Ohio) and Tim Walz (D-Minnesota) revived a similar bill last month in the House.(Editor’s note: The Five Star Institute is the parent company of The MReport and theMReport.com)
Altisource Adds New Leader to Executive Team August 17, 2017 790 Views Share Altisource Portfolio Solutions S.A., an integrated service provider and marketplace for the real estate and mortgage industries, has announced the appointment of a new leader for a recently developed role, which was created to provide greater advancements to the digital real estate industry.Marcello Mastioni joins Altisource’s executive team as President, Real Estate Marketplace in the company’s international headquarters located in Luxembourg, Luxembourg. As the number of consumers and investors using online tools to buy and sell homes continues to increase, Mastioni’s role takes on the responsibilities of driving growth by focusing on digital experience and strategy across the company’s platforms, including the real estate focused marketplaces of Owners.com and Hubzu.”We’ve built an impressive portfolio of unique online real estate capabilities, and there continues to be an incredible market opportunity to bring greater transparency, ease and other improvements to the home buying and selling experience,” said William B. Shepro, CEO of Altisource. “Marcello’s digital expertise has enabled him to substantially grow online brands in their respective categories, and we are looking forward to him working to replicate this success at Altisource as he accelerates our growth across our online real estate businesses.”Mastioni’s strategic online marketing experience comes from his preceding roles as VP and Managing Direction of Europe, the Middle East, and Africa (EMEA) for HomeAway, one of the largest online marketplaces for vacation rental properties. As well as his positions earlier in his career as leader of growth efforts for the online travel company Expedia, head of retail and consumer goods at World Economic Forum, and leader of operations of technology business for General Electric.”Online marketplaces have revolutionized many industries, and real estate is the next big opportunity,” said Mastioni. “Altisource has invested in the technology and talent and has the industry expertise to be the leader in online real estate transactions for consumers and investors.” Altisource Portfolio Solutions S.A HOUSING mortgage Real Estate Technology 2017-08-17 Nicole Casperson in Headlines, News, Technology
applications Defect FinTech Fraud Risk 2018-08-31 Seth Welborn in Daily Dose, News, Origination, Technology On Friday, First American Financial Corporation released their July 2018 First American Loan Application Defect Index. Included in the Index is an estimate of the frequency of defects, fraudulence and misrepresentation in mortgage loan applications.According to the Index, The frequency of defects, fraudulence and misrepresentation in loan applications fell 1.3 percent month over month, Defect-specific index fell the same percentage. the seventh month in a row in which the Defect index has seen a drop. Year over year, the Defect Index decreased by 9.5 percent.First American Chief Economist Mark Fleming notes that nationwide, defects are down, except in two markets.“Nationally, the Defect Index decline of 7.3 percent in July relative to three-month moving average was driven by declining risk in all but two markets – New Orleans and Louisville, Ky. In every other market, loan application, misrepresentation, defect and fraud risk declined. In some markets the decline was substantial,” said Fleming. “In 39 markets, defect risk declined more than 5 percent, while the three-month decline in risk exceeded 10 percent in 11 markets.”According to the Index, South Carolina, Minnesota, Alabama, Vermont, and North Dakota saw the greatest reduction in defect frequency, falling around 20 percent year over year in each state. On a more local level, the five markets with the largest year over year decrease in defect frequency are Birmingham, Alabama; Raleigh, North Carolina; Minneapolis, Boston; and Austin, Texas.According to Fleming, financial technology played a large role in reducing risk of defects.“The mortgage finance industry’s significant investment in financial technology to deliver a convenient, digital, highly automated and all-around better home-buying experience has also enhanced the mortgage manufacturing and underwriting process, producing declining levels of defect risk,” said Fleming. “The benefits of this investment are not geographically specific, so it’s no surprise that we see the impact of this investment in the vast majority of markets. The question is not where is defect risk declining, but when will it stop?”Find the complete index and comments here. Risk of Loan App Defects Decline August 31, 2018 667 Views Share
Putting Data in Motion in Daily Dose, Featured, News, Print Features Share Editor’s Note: This feature originally appeared in the December issue of MReport.Your mortgage loan officers learn more about their customers throughout a single transaction than any other financial services provider. From contact information to credit score to annual income and spending habits, loan officers have all the data necessary to create a comprehensive composite of their customers—not their ideal customers but their actual customers.But there’s a problem.Most companies have so much data they don’t know what to do with it. So, it sits there collecting digital dust.The availability of user data has the power to give marketers and producers greater access to consumer insight than ever before—but only if they know how to find it and leverage it to deliver the right message at the right time to the right person.How can your organization— and your loan officers—turn growing mountains of data into insights and revenue?The immediate opportunity for organizations is to first focus on aggregating and analyzing the data at their disposal, which often lives in various silos unconnected across the organization. Only from here can an organization’s loan officers begin to develop insight-driven campaigns that provide consumers with the high-tech, high-touch experiences they crave.AggregateYour producers use many technology solutions across the lending process: CRM, LOS, POS, and product and pricing engines to name a few.The problem that starts to emerge as you add to your technology stack is that they don’t communicate with each other.The problem that starts to emerge as you add to your technology stack is that they don’t communicate with each other.In fact, according to STRATMOR, one year ago, 50 percent of lenders didn’t have an enterprise Customer Relationship Management (CRM) tool, which doesn’t mean they don’t have big data—but that they have many sources and their data is hard to use.Enter the open API.APIs allow two different software solutions to communicate with each other and share data. Open APIs use a common language or structure to promote universal access.An open API demonstrates a commitment to your continued growth in an evolving industry and offers you greater flexibility as you build out the right technology stack to suit your unique business requirements. Not all software solutions in mortgage have them, but it is becoming increasingly common and is a must if you want your data to flow seamlessly between your solutions so you can access it to influence behaviors and increase profits.AnalyzeAccording to research from the Chief Marketing Officer (CMO) Council and RedPoint Global, 43 percent of 250 marketers surveyed agree they are not lacking data but are missing the ability to transform that data into real-time action. Being able to interpret data correctly is critical to generating actionable insights to apply to marketing strategies that will impact business results.Many marketers and producers struggle to work with data because it’s easy to get lost in the numbers. Where should your producers focus their attention? Which numbers will help them demonstrate their contribution to the company’s bottom line?It helps to take a strategic approach when you interpret data by tying it back to your business goals and initiatives.Actionable insight also requires context and clarity. Loan officers will only move forward on insights if they can appreciate why the data they’re being presented with is important and what they stand to gain if they act on it. Loan officers care about two things: increasing their productivity and closing more loans. They want to know how much they’ve closed, how much they need to close, and what they need to do to meet their goals. Providing them with insightful data ensures action, not unwarranted objections and skepticism.AdaptActionable data in hand, loan officers and marketing administrators should be using it to build strong, personalized marketing initiatives that generate revenue. According to recent Epsilon research, 80 percent of consumers are more likely to do business with a company if it offers a personalized experience. When creating personalized messaging, it is essential to resonate with your target audience at an emotional level, too, according to a Forbes article by Dipanjan Chatterjee, VP and Principal Analyst at Forrester. In his article titled “Emotions Fuel Your Brand’s Energy,” Chatterjee explains that when Forrester surveyed 4,500 respondents to create their brand energy framework, they found emotion was the biggest contributor to brand energy above “salience” and “fit.” Doing so can be difficult: nearly every individual wants something different, and they all want to feel special. By tailoring messaging to individuals, however, producers have a better shot at attracting new customers and retaining existing ones—creating customers for life.Listen to what your data is telling you to predict customer behavior and develop personalized promotional activities that engage prospects and customers across every channel.You can tailor your messaging to address segments based on:Stage of the customer journey: preapproval, house hunt, in process, post-closingMajor life milestones: marriage, new additions to the family, changes in employment, retirementDemographics: generation segments, ethnicity, single households, multigenerational householdsActivity or inactivity: expiring prequalification, rate change, beginning of a home searchHabits and behavior: in-person follow-up, lead capture, email openThese are only a few of the many homebuyer segments to keep in mind as you create more timely, relevant and personalized marketing materials to engage unique segments of your audience.When marketing to these segments, you need to address their unique characteristics and motivations to establish meaningful relationships. Sending a first-time homebuyer an email prompting them to refinance their home in not only ineffective but may prevent them from doing business with your loan officers at all. Whether your loan officers create their marketing materials or have access to a premium content library with branded templates, their chances of resonating with customers increases if they know what makes each group tick.As you tailor your messaging to specific segments, consider:What’s most important to themPreferred channels of communicationQualities they want in their loan officerReasons for buying a homeYour segments and brand messaging will continue to evolve, so it’s worth keeping up with the data. Update your segments frequently. Look—and listen—to what the data is telling you as you consider which campaigns are superior to others and track new ones to ensure your segmenting is engaging and effective.The digital era has handed consumers more power than ever before. They are tapping into that power, dictating not just more personalized marketing but a more personalized experience. As the competition for consumer attention intensifies, so too does the need to engage with them on their terms: how, where and when they want it.AutomationEvery lender and loan officer knows they have data they could be using to enhance the customer journey. Many producers don’t have the time it takes to gather their data in a single location, break it down into practical slices, and leverage it to engage prospects, customers, and co-marketing partners when and where they are.Better automation goes hand in hand with real-time access to customer data and behavior across all channels and devices. Technology advancements empower producers to put customers at the center of the experience—personalizing and delivering messages when prospects, customers, and co-marketing partners are most receptive to them. Intelligent automation further empowers producers by delivering the right message at the right time to the right person.Increased automation reduces the time and effort required in delivering communications to realize meaningful budgetary savings at a time when every department is feeling the constraints of margin compression. In addition, intelligent automation offers time-strapped loan officers a way to seize customer engagement opportunities with fast, personalized responses at scale. As customer expectations continue to evolve, organizations that can anticipate and meet the growing desire for timely, relevant touchpoints will create lifelong relationships and drive revenue.Personalized engagement is equally critical when customers venture offline. According to the latest annual “Conversion Rate Optimization” Report from Econsultancy and RedEye, only 15 percent of company respondents report personalizing their offline channels while 37 percent of those report a significant uplift in conversion rates as a result of doing so.In accompanying customers along the customer journey, triggering points of engagement no matter where the customer goes, loan officers can boost conversion as customers decide it’s time to transact.Take Marketing From Cost Center to Revenue DriverIf automation is the engine that can help your loan officers turn marketing into a revenue driver, data is the fuel. After all, what good is data if you can’t leverage it to enhance your marketing activities? Likewise, what good is automation if it’s not based on real behaviors and metrics?Data-driven marketing automation can propel your marketing and sales forward as we race toward 2019 and beyond. From greater efficiencies to making every interaction feel personal, loan officers can leverage automation to bridge gaps along the customer journey while boosting the bottom line.But, remember: It’s not how much data you have. It’s how you use it. December 18, 2018 1,101 Views Borrowers Loan Officers loans mortgage platforms technology 2018-12-18 Radhika Ojha