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| bank of america erica case study: Artificial Intelligence in Banking Introbooks, 2020-04-07 In these highly competitive times and with so many technological advancements, it is impossible for any industry to remain isolated and untouched by innovations. In this era of digital economy, the banking sector cannot exist and operate without the various digital tools offered by the ever new innovations happening in the field of Artificial Intelligence (AI) and its sub-set technologies. New technologies have enabled incredible progression in the finance industry. Artificial Intelligence (AI) and Machine Learning (ML) have provided the investors and customers with more innovative tools, new types of financial products and a new potential for growth.According to Cathy Bessant (the Chief Operations and Technology Officer, Bank of America), AI is not just a technology discussion. It is also a discussion about data and how it is used and protected. She says, In a world focused on using AI in new ways, we're focused on using it wisely and responsibly. |
| bank of america erica case study: The Automation Revolution Charles Nehme , Welcome to The Automation Revolution. In this book, we embark on an exploration of a profound and transformative era that is unfolding before our very eyes—the age of automation. The relentless advancement of technology is reshaping industries, economies, and societies in unprecedented ways, and it is crucial that we understand the implications and potential consequences of this revolution. Automation has always been a driving force behind progress, enabling us to achieve remarkable feats throughout history. From the invention of the steam engine to the assembly line and the rise of computers, each wave of automation has brought about radical shifts, creating new opportunities and challenging existing norms. However, the current wave of automation is distinct from its predecessors. We are witnessing an exponential growth in the capabilities of machines and artificial intelligence, which is poised to automate not just routine physical tasks but also cognitive and creative ones. As a result, the impact of automation is permeating every sector and aspect of our lives, from manufacturing and transportation to healthcare, finance, and entertainment. This book serves as a comprehensive guide to the automation revolution, exploring its origins, drivers, and potential consequences. We delve into the promises and pitfalls of automation, addressing questions that arise as machines increasingly assume roles traditionally held by humans. What will the future of work look like? How will automation shape our economies and labor markets? What are the ethical implications of delegating decision-making to algorithms? How can we ensure that the benefits of automation are shared equitably across society? To navigate this complex landscape, we draw upon a diverse range of perspectives, including experts in technology, economics, philosophy, and social sciences. By examining real-world case studies, academic research, and thought-provoking insights, we aim to provide you, the reader, with a nuanced understanding of the automation revolution and its implications. This book is not intended to promote fear or resistance to change. Instead, it seeks to foster informed dialogue and encourage proactive engagement with the opportunities and challenges that lie ahead. Automation holds the potential to free us from mundane tasks, unlock new frontiers of creativity, and improve the overall human condition. However, if not managed thoughtfully, it could exacerbate inequalities and disrupt established social structures. As we embark on this journey, let us keep an open mind and explore the possibilities that automation presents. Let us critically examine the risks and rewards, and work collectively to shape the course of this revolution in a way that aligns with our values and aspirations. The future is not predetermined, and our choices and actions today will shape the world of tomorrow. So, join us as we embark on this fascinating exploration of the automation revolution, and together, let us navigate the uncharted territories of this transformative era. |
| bank of america erica case study: Harnessing AI for Business Development and Sales Rick Spair, In an era defined by rapid technological advancements, businesses are increasingly turning to Artificial Intelligence (AI) to drive growth, innovation, and competitive advantage. From automating routine tasks to providing deep insights into customer behavior, AI has the potential to transform every aspect of business development and sales. However, the journey to integrating AI effectively into business processes is fraught with challenges, requiring a comprehensive understanding of AI technologies, strategic planning, and a commitment to ethical practices. This book, Harnessing AI for Business Development and Sales, is a comprehensive guide designed to help businesses navigate the complexities of AI adoption. It explores the transformative potential of AI, providing insights into how businesses can leverage AI to enhance their operations, engage customers more effectively, and drive sustainable growth. Each chapter delves into critical aspects of AI in business, from foundational concepts and advanced applications to ethical considerations and future trends. Why This Book? As AI continues to evolve, its applications in business development and sales are becoming more sophisticated and far-reaching. However, many businesses struggle to understand where to begin, how to implement AI effectively, and how to measure its impact. This book aims to bridge that gap by offering practical insights, real-world examples, and actionable strategies. What You'll Learn Foundational Concepts: The book starts with an introduction to AI, its historical evolution, and its relevance to business development and sales. It provides a solid foundation for understanding AI technologies and their applications. Practical Applications: Each chapter explores specific applications of AI in business, such as market research, lead generation, customer relationship management, sales forecasting, and personalized marketing. Detailed examples and case studies illustrate how leading companies are leveraging AI to achieve remarkable results. Ethical Considerations: With great power comes great responsibility. The book addresses the ethical implications of using AI in business, offering guidelines for responsible AI implementation. Topics such as fairness, transparency, data privacy, and bias mitigation are thoroughly discussed. Future Trends: The final chapters look ahead to the future of AI in business development and sales, exploring emerging trends and technologies that will shape the landscape. Readers will gain insights into how to stay ahead of the curve and prepare for the next wave of AI innovations. Who Should Read This Book? This book is for business leaders, sales professionals, marketers, and anyone interested in understanding and leveraging AI for business success. Whether you are a seasoned executive looking to integrate AI into your strategic planning or a newcomer eager to explore the potential of AI, this book provides valuable insights and practical advice. How to Use This Book Each chapter is structured to be both informative and actionable. Key concepts are explained clearly, and practical examples and case studies provide real-world context. The book also includes checklists, frameworks, tools, resources, and best practices that you can apply directly to your business. Conclusion By harnessing the power of AI, businesses can unlock new opportunities, drive innovation, and achieve sustainable growth. This book is your guide to navigating the AI landscape, understanding its potential, and implementing it effectively in your business development and sales strategies.Welcome to Harnessing AI for Business Development and Sales. |
| bank of america erica case study: Managing Customer-Centric Strategies in the Digital Landscape Ho, Ree Chan, Song, Bee Lian, Tee, Poh Kiong, 2024-10-25 In todays rapidly evolving digital landscape, the integration of emerging technologies has reshaped the business world and propelled companies to keep pace with advancements like artificial intelligence, data science, blockchain, and reality virtualization. These technologies are no longer just tools for efficiency but are crucial drivers of customer-centric strategies that enhance productivity and service. As businesses strive to maximize the value of their technology investments, they must integrate these innovations into their entire business ecosystem to meet the needs of socially connected, tech-savvy customers. Leveraging Emerging Technologies for Customer-Centric Business Strategies explores the crucial intersection of technological innovation and customer-centricity in the digital age. These chapters delve into how companies can effectively implement new technologies such as AI, machine learning, and big data analytics, to better serve customer demands and foster stronger engagement. By examining current business models, predicting future trends, and analyzing the role of customer involvement in co-creation, this comprehensive resource provides researchers, business practitioners, and academics with the strategies needed to navigate the fast-paced, technology-driven marketplace. |
| bank of america erica case study: Industry 5.0 and Emerging Technologies Aziza Chakir, |
| bank of america erica case study: AI-Enhanced UX: Designing Intelligent, User-Centric Interfaces with Generative AI Anand Vemula, This book delves into how AI-driven technologies are reshaping the way we approach UX, offering designers innovative tools and methodologies to enhance user interactions and create more personalized, efficient, and engaging interfaces. The book begins by introducing the foundational concepts of generative AI and its relevance to UX design. It covers the evolution of AI technologies and their impact on user experience, emphasizing how generative AI can automate and optimize design processes. Readers will learn about key principles of user-centered design and how AI can be integrated to understand user needs, deliver personalized experiences, and foster inclusive design. In the following chapters, the book explores practical applications of generative AI in interface design, including automating UI creation, integrating AI for responsive designs, and enhancing user interaction through AI-driven chatbots and virtual assistants. Detailed case studies highlight successful implementations of AI in various industries, offering insights into real-world applications and the tangible benefits of AI-enhanced UX. The book also provides hands-on tutorials, code examples, and exercises, guiding readers through the process of leveraging generative AI tools and platforms for their own UX projects. It emphasizes the importance of balancing creativity with AI automation and addresses ethical considerations, such as privacy and inclusivity. |
| bank of america erica case study: The AI Revolution: How Artificial Intelligence Will Reshape Our Lives, Careers, and Future Rick Spair, Welcome to The AI Revolution: How Artificial Intelligence Will Reshape Our Lives, Careers, and Future, a comprehensive exploration of one of the most transformative technologies of our time. Artificial Intelligence (AI) is not just a buzzword or a distant futuristic concept; it is a reality that is rapidly reshaping every facet of our lives. From the way we communicate, work, and learn to how we address global challenges, AI is at the forefront of innovation and change. As you delve into this book, you will embark on a journey through the history, development, and profound impact of AI. We will explore the foundational concepts that underpin AI technologies, demystify the jargon that often surrounds this field, and provide a clear understanding of how AI works. More importantly, we will examine the real-world applications of AI across various sectors, highlighting the benefits and challenges that come with integrating AI into our daily lives. The narrative will take you through the corridors of healthcare, where AI is revolutionizing diagnostics and treatment; into the financial world, where it is enhancing fraud detection and customer service; and onto the roads, where autonomous vehicles are becoming a reality. You will see how AI is personalizing education, transforming entertainment, and optimizing retail experiences. Each chapter is designed to provide insights into how AI is currently being utilized and the future possibilities it holds. Beyond the technological advancements, this book delves into the ethical considerations and societal impacts of AI. We will discuss the moral dilemmas, privacy concerns, and the need for transparency and accountability in AI development. Understanding these aspects is crucial for fostering a responsible AI ecosystem that benefits all of humanity. In the chapters dedicated to the future of work, you will learn about the skills and competencies required in an AI-driven job market. We will explore the opportunities and challenges posed by job automation and the importance of continuous learning and adaptability. This book aims to equip you with the knowledge to navigate and thrive in a rapidly changing world. We will also address the vital role of individuals, businesses, and governments in shaping the future of AI. From fostering innovation and ensuring ethical practices to promoting inclusivity and equity, the collective efforts of all stakeholders are essential for creating a balanced and beneficial AI landscape. The AI Revolution: How Artificial Intelligence Will Reshape Our Lives, Careers, and Future is not just an academic discourse but a call to action. It encourages readers to engage with AI positively, responsibly, and proactively. As we stand on the brink of this technological revolution, it is imperative to understand its implications and harness its potential to create a better, more equitable world. Join us as we explore the fascinating world of AI, understand its transformative power, and envision a future where technology and humanity coexist harmoniously for the greater good. |
| bank of america erica case study: AI at Work Abdullah Bin Siddique, 2024-11-10 |
| bank of america erica case study: Leveraging AI and Emotional Intelligence in Contemporary Business Organizations Sharma, Dipanker, Bhardwaj, Bhawana, Dhiman, Mohinder Chand, 2023-12-18 Organizations are facing an array of complex challenges that demand innovative solutions. From managing a diverse workforce and harnessing the power of data analytics to adapting to remote work and the pressing need for emotionally intelligent leaders, the demands on modern businesses are constantly evolving and increasing. Staying ahead of these challenges is not only essential for survival but also for thriving in an ever-changing environment. Leveraging AI and Emotional Intelligence in Contemporary Business Organizations is a compass that guides academic scholars, students, and practitioners through the turbulent seas of modern business management. It dissects the problems and offers clear, well-researched solutions. With a team of respected researchers, academicians, and professionals at the helm, this book is a beacon of knowledge, illuminating the path to success in today's business landscape. |
| bank of america erica case study: Integrating AI-Driven Technologies Into Service Marketing Nadda, Vipin, Tyagi, Pankaj Kumar, Singh, Amrik, Singh, Vipin, 2024-08-29 In an era marked by rapid technological advancements and the increasing integration of artificial intelligence (AI) into various sectors, the intersection of AI technologies with service marketing stands as a pivotal frontier. It is essential to explore the intricate nexus between AI technologies and service marketing strategies. Integrating AI-Driven Technologies Into Service Marketing elucidates the transformative impact of AI on key facets of service marketing, ranging from customer engagement and relationship management to market segmentation and product customization. It underscores the imperative for stakeholders in emerging economies to harness the power of AI technologies in crafting innovative and adaptive service marketing strategies. The book navigates the complexities of AI adoption while offering pragmatic recommendations for fostering responsible and inclusive AI-driven service marketing ecosystems. Covering topics such as customer engagement, influencer marketing, and sentiment analysis, this book is an excellent resource for scholars, researchers, educators, business professionals, managers, academicians, postgraduate students, and more. |
| bank of america erica case study: AI Strategy for Sales and Marketing Katie King, 2022-01-03 Marketing and sales prioritize AI and machine learning more than any other business department, yet often struggle with how to scale and strategize the opportunities they present. AI Strategy for Sales and Marketing presents a framework for understanding how AI can boost customer-centricity and sales by creating a connected strategy that delivers value today and into the future. Supported by practical tips and advice throughout, it covers topics including personalization, upskilling, customer experience for both on and offline shopping channels and the importance of using AI responsibly to create consumer trust. Featuring original research and interviews with leading practitioners, it also contains global case studies from organizations in a range of sectors, including Samsung, PwC, Rolls Royce, Deloitte and Hilton, with insights into the various stages of their adoption journeys. Written by a recognized industry expert, it is an invaluable resource for those wanting to benefit from using AI strategically in marketing, sales and CX. |
| bank of america erica case study: Deliberately Digital Hubert Tardieu, David Daly, José Esteban-Lauzán, John Hall, George Miller, 2020-02-05 The digital revolution is changing virtually every aspect of the business world. However, most attempts at the digital transformation of enterprises fail – largely because of a lack of comprehensive and coherent strategy. This book takes lessons learned from the rise of the digital platform giants and explores how they can be adapted and effectively applied to established businesses, allowing them to compete within the new digital business paradigm. Offering a holistic perspective on the business and technology landscape, the book describes the megatrends, evolution and impact of digital technologies and business models. It brings together what for many is a disjointed set of business transformation imperatives, to provide a practical guide to digital success. Drawing on the authors’ decades of experience in supporting transformation and innovation, the book lays out a path to a progressive iteration of business change and value realization, balancing the perspectives of revolutionary transformation and change-enabling optimization. |
| bank of america erica case study: Smart Financial Market: AI and the Future of Banking Pritam Mehta, Dr. K Syamala, Dipendu Das, Priya Kumari, Saumya Raj, 2024-08-25 Smart Financial Market: AI and the Future of Banking offers a comprehensive exploration of how artificial intelligence is transforming the financial industry. This essential read covers critical topics such as FinTech innovations, robo-advising, and evolving payment methods. The book is a collaboration of experts, including engineers, professors, law students, and bank managers, ensuring that the content is both authoritative and up-to-date with the current landscape. Delving into the intersection of technology and finance, this book provides readers with insights into the latest AI-driven solutions that are reshaping banking services. From the rise of FinTech startups disrupting traditional banking models to the advent of robo-advisors offering personalized financial guidance, this book examines how AI is creating new opportunities and challenges within the financial sector. |
| bank of america erica case study: AI-Powered Creativity: Revolutionizing Content Creation in the Digital Age DIZZY DAVIDSON, 2024-08-08 Struggling to fully understand how AI can revolutionize your content creation process? Are you overwhelmed by the rapid advancements in AI technology and unsure how to leverage it for your creative projects? Look no further! “AI-Powered Creativity: Revolutionizing Content Creation in the Digital Age” is your ultimate guide to mastering AI tools and techniques that will transform your content creation journey. This book demystifies AI, making it accessible and actionable for content creators of all levels. Benefits of Reading This Book: Unlock the Power of AI: Learn how to automate routine tasks, generate innovative content ideas, and enhance your work with AI-driven tools. Boost Productivity: Discover how AI can streamline your workflow, allowing you to focus on what truly matters—creating engaging content. Stay Ahead of Trends: Use AI to monitor viral trends and optimize your content for maximum reach and impact. Enhance Accessibility: Make your content more inclusive with AI-generated transcripts, subtitles, and translations. Personalize Your Content: Tailor your content to individual preferences, increasing engagement and loyalty. Why This Book is a Must-Read: Comprehensive Coverage: From automating tasks to optimizing SEO, this book covers all aspects of AI in content creation. Practical Insights: Real-world examples and case studies illustrate how successful creators are leveraging AI. Expert Guidance: Written by industry experts, this book provides actionable tips and strategies to implement AI effectively. Bullet Points Automate routine tasks with AI tools Generate innovative content ideas Enhance content quality and SEO Analyze audience engagement with AI Personalize content for better engagement Monitor and target viral trends Improve content accessibility Call to Action: Don’t miss out on the opportunity to revolutionize your content creation process. Get your copy of “AI-Powered Creativity: Revolutionizing Content Creation in the Digital Age” today and become an AI-savvy content creator! |
| bank of america erica case study: Advances in Artificial Systems for Logistics Engineering III Zhengbing Hu, Qingying Zhang, Matthew He, 2023-07-15 This book comprises high-quality refereed research papers presented at the 3rd International Conference on Artificial Intelligence and Logistics Engineering (ICAILE2023), held in Wuhan, China, on March 11–12, 2023, organized jointly by Wuhan University of Technology, Nanning University, the National Technical University of Ukraine Igor Sikorsky Kyiv Polytechnic Institute, Huazhong University of Science and Technology, the Polish Operational and Systems Society, Wuhan Technology and Business University, and the International Research Association of Modern Education and Computer Science. The topics discussed in the book include state-of-the-art papers in artificial intelligence and logistics engineering. It is an excellent source of references for researchers, graduate students, engineers, management practitioners, and undergraduate students interested in artificial intelligence and its applications in logistics engineering. |
| bank of america erica case study: The AI Revolution in Customer Service and Support Ross Smith, Mayte Cubino, Emily McKeon, 2024-07-16 In the rapidly evolving AI landscape, customer service and support professionals find themselves in a prime position to take advantage of this innovative technology to drive customer success. The AI Revolution in Customer Service and Support is a practical guide for professionals who want to harness the power of generative AI within their organizations to create more powerful customer and employee experiences. This book is designed to equip you with the knowledge and confidence to embrace the AI revolution and integrate the technology, such as large language models (LLMs), machine learning, predictive analytics, and gamified learning, into the customer experience. Start your journey toward leveraging this technology effectively to optimize organizational productivity. A portion of the book’s proceeds will be donated to the nonprofit Future World Alliance, dedicated to K-12 AI ethics education. IN THIS BOOK YOU’LL LEARN About AI, machine learning, and data science How to develop an AI vision for your organization How and where to incorporate AI technology in your customer experience fl ow About new roles and responsibilities for your organization How to improve customer experience while optimizing productivity How to implement responsible AI practices How to strengthen your culture across all generations in the workplace How to address concerns and build strategies for reskilling and upskilling your people How to incorporate games, play, and other techniques to engage your agents with AI Explore thought experiments for the future of support in your organization “Insightful & comprehensive—if you run a service & support operation, put this book on your essential reading list right now!” —PHIL WOLFENDEN, Cisco, VP, Customer Experience “This book is both timely and relevant as we enter an unprecedented period in our industry and the broader world driven by Generative AI. The magnitude and speed of change we’re experiencing is astounding and this book does an outstanding job balancing technical knowledge with the people and ethical considerations we must also keep front of mind.” —BRYAN BELMONT, Microsoft, Corporate VP, Customer Service & Support “The authors of this book are undoubtedly on the front lines of operationalizing Gen AI implementations in customer support environments... and they know undoubtedly that at its core, support is about people and genuine human connections. This book walks you through their journey to keep people at the center of this technical tsunami.” —PHAEDRA BOINODIRIS, Author, AI for the Rest of Us |
| bank of america erica case study: Fintech and Cryptocurrency Mohd Naved, V. Ajantha Devi, Aditya Kumar Gupta, 2023-10-23 FINTECH and CRYPTOCURRENCY Dive into the world of fintech and cryptocurrency through the engaging perspectives of this diverse group of authors and uncover the intricate connections between technology, finance, and cryptocurrency that make this a must-have for anyone intrigued by the future of digital society. Digital currencies, decentralization of money, and the growth of new technologies like blockchain, the Internet of Things, and machine learning have produced new opportunities and difficulties for banking and finance, as well as users of these services in electronic commerce. New banking and finance technologies may improve operational efficiency, risk management, compliance, and client pleasure, but they can decrease barriers and introduce new concerns, such as cybersecurity risk. Cryptocurrencies with smart contracts for payments and trading, as well as AI systems with adaptive algorithms that allow picture and speech recognition, expert judgement, group categorization, and forecasting in a variety of fields, are instances of increased automation. Simultaneously, the potentials pose risks and raise regulatory concerns. The rise of blockchain technology and its widespread use have had a significant impact on the operation and management of digital systems. At the same time, researchers and practitioners have paid close attention to digital finance. Blockchain’s first applications were limited to the production of digital currency, but it has now been expanded to include financial and commercial applications. Innovative digital finance has had a huge impact on business and society since it has been extensively adopted by businesses and consumers. As a result, the goal of this edited book is to expand and deepen our knowledge of the business possibilities of novel blockchain and digital financial applications. |
| bank of america erica case study: The Future of Finance Henri Arslanian, Fabrice Fischer, 2019-07-15 This book, written jointly by an engineer and artificial intelligence expert along with a lawyer and banker, is a glimpse on what the future of the financial services will look like and the impact it will have on society. The first half of the book provides a detailed yet easy to understand educational and technical overview of FinTech, artificial intelligence and cryptocurrencies including the existing industry pain points and the new technological enablers. The second half provides a practical, concise and engaging overview of their latest trends and their impact on the future of the financial services industry including numerous use cases and practical examples. The book is a must read for any professional currently working in finance, any student studying the topic or anyone curious on how the future of finance will look like. |
| bank of america erica case study: The Organisation of Tomorrow Mark Van Rijmenam, 2019-07-19 The Organisation of Tomorrow presents a new model of doing business and explains how big data analytics, blockchain and artificial intelligence force us to rethink existing business models and develop organisations that will be ready for human-machine interactions. It also asks us to consider the impacts of these emerging information technologies on people and society. Big data analytics empowers consumers and employees. This can result in an open strategy and a better understanding of the changing environment. Blockchain enables peer-to-peer collaboration and trustless interactions governed by cryptography and smart contracts. Meanwhile, artificial intelligence allows for new and different levels of intensity and involvement among human and artificial actors. With that, new modes of organising are emerging: where technology facilitates collaboration between stakeholders; and where human-to-human interactions are increasingly replaced with human-to-machine and even machine-to-machine interactions. This book offers dozens of examples of industry leaders such as Walmart, Telstra, Alibaba, Microsoft and T-Mobile, before presenting the D2 + A2 model – a new model to help organisations datafy their business, distribute their data, analyse it for insights and automate processes and customer touchpoints to be ready for the data-driven and exponentially-changing society that is upon us This book offers governments, professional services, manufacturing, finance, retail and other industries a clear approach for how to develop products and services that are ready for the twenty-first century. It is a must-read for every organisation that wants to remain competitive in our fast-changing world. |
| bank of america erica case study: Revisiting Risk-Weighted Assets Vanessa Le Leslé, Ms.Sofiya Avramova, 2012-03-01 In this paper, we provide an overview of the concerns surrounding the variations in the calculation of risk-weighted assets (RWAs) across banks and jurisdictions and how this might undermine the Basel III capital adequacy framework. We discuss the key drivers behind the differences in these calculations, drawing upon a sample of systemically important banks from Europe, North America, and Asia Pacific. We then discuss a range of policy options that could be explored to fix the actual and perceived problems with RWAs, and improve the use of risk-sensitive capital ratios. |
| bank of america erica case study: Understanding Digital Signatures Gail L. Grant, 1998 This volume explains the technology behind digital signatures and key infrastructures (PKI). These are the standards that make it absolutely safe to buy, sell, sign documents and exchange sensitive financial data on the Internet. |
| bank of america erica case study: Data and Analytics Strategy for Business Simon Asplen-Taylor, 2022-06-03 For many organizations data is a by-product, but for the smarter ones it is the heartbeat of their business. Most businesses have a wealth of data buried in their systems which, if used effectively, could increase revenue, reduce costs and risk and improve customer satisfaction and employee experience. Beginning with how to choose projects which reflect your organization's goals and how to make the business case for investing in data, this book then takes the reader through the five 'waves' of organizational data maturity. It takes the reader from getting started on the data journey with some quick wins, to how data can help your business become a leading innovator which systematically outperforms competitors. Data and Analytics Strategy for Business outlines how to build consistent, high-quality sources of data which will create business value and explores how automation, AI and machine learning can improve performance and decision making. Filled with real-world examples and case studies, this book is a stage-by-stage guide to designing and implementing a results-driven data strategy. |
| bank of america erica case study: Broke in America Joanne Samuel Goldblum, Colleen Shaddox, 2021-02-02 FOREWORD INDIES FINALIST — POLITICAL & SOCIAL SCIENCES NAUTILUS BOOK AWARDS SILVER MEDALIST — SOCIAL CHANGE & SOCIAL JUSTICE ERIC HOFFER BOOK AWARD 1ST RUNNER UP — CULTURE & MONTAIGNE MEDAL NOMINEE A valuable resource in the fight against poverty. —Publishers Weekly An exploration of why so many Americans are struggling financially . . . A down-to-earth overview of the causes and effects of poverty and possible remedies. —Kirkus Reviews Water. Food. Housing. The most basic and crucial needs for survival, yet 40 percent of people in the United States don't have the resources to get them. With key policy changes, we could eradicate poverty in this country within our lifetime—but we need to get started now. Nearly 40 million people in the United States live below the poverty line—about $26,200 for a family of four. Low-income families and individuals are everywhere, from cities to rural communities. While poverty is commonly seen as a personal failure, or a deficiency of character or knowledge, it's actually the result of bad policy. Public policy has purposefully erected barriers that deny access to basic needs, creating a society where people can easily become trapped—not because we lack the resources to lift them out, but because we are actively choosing not to. Poverty is close to inevitable for low-wage workers and their children, and a large percentage of these people, despite qualifying for it, do not receive government aid. From Joanne Samuel Goldblum and Colleen Shaddox, Broke in America offers an eye-opening and galvanizing look at life in poverty in this country: how circumstances and public policy conspire to keep people poor, and the concrete steps we can take to end poverty for good. In clear, accessible prose, Goldblum and Shaddox detail the ways the current system is broken and how it's failing so many of us. They also highlight outdated and ineffective policies that are causing or contributing to this unnecessary problem. Every chapter features action items readers can use to combat poverty—both nationwide and in our local communities, including the most effective public policies you can support and how to work hand-in-hand with representatives to affect change. So far, our attempted solutions have fallen short because they try to fix poor people rather than address the underlying problems. Fortunately, it's much easier to fix policy than people. Essential and timely, Broke in America offers a crucial road map for securing a brighter future. |
| bank of america erica case study: Risks and Challenges of AI-Driven Finance: Bias, Ethics, and Security Kunjumuhammed, Siraj Kariyilaparambu, Madi, Hisham, Abouraia, Mahmoud, 2024-08-01 Integrating Artificial Intelligence (AI) presents immense opportunities and daunting challenges in the rapidly evolving finance landscape as AI-driven algorithms and models revolutionize decision-making and enhance efficiency, concerns about bias, ethics, and security loom. Financial institutions must navigate these complexities responsibly while leveraging AI's potential to innovate and thrive. Risks and Challenges of AI-Driven Finance: Bias, Ethics, and Security guides this dynamic environment. Written for professionals, researchers, policymakers, and students, this book comprehensively explores AI's impact on finance. It delves into the intricacies of bias in algorithms, ethical frameworks, cybersecurity, and regulatory compliance, offering actionable insights to address these critical issues. |
| bank of america erica case study: Doing Business 2020 World Bank, 2019-11-21 Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity. |
| bank of america erica case study: Money Talks Erica R. Gould, 2006 analyzes the changes in conditions placed on International Monetary Fund loans to states over the last fifty years and argues that the changes can be explained by shifts in the sources of the IMF's funding. |
| bank of america erica case study: Global Financial Development Report 2014 World Bank Group, 2013-11-07 The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors. |
| bank of america erica case study: Electronic Invoicing in Latin America Alberto Daniel Barreix, Raul Zambrano, Marcelo Pablo Costa, Álvaro Antônio da Silva Bahia, Edualdo Almeida de Jesus, Vinícius Pimentel de Freitas, Fernando Barraza, Nicolás Oliva, Mauro Andino, Alejandro Rasteletti, Carlos Drago, Gisella Cuentas, Maribel Paredes, Javier Pazos, Luis Canales, Rosana Campo, Leticia Castiñeira, Gustavo González, Juan Francisco Redondo, Aloisio Flávio Ferreira de Almeida, Karla Hernández, Juan Robalino, José Ramírez, João Pedro Anjos Andrade, Noémia Rodrigues Gonçalves, Servicio de Administración Tributaria, 2018-03-21 The electronic invoicing (EI) of taxes is one of Latin America’s contributions to international taxation in support of the fight against evasion, global efforts towards tax transparency, and the digitization of tax administrations (TAs). Initially, EI was conceived as an instrument of documentary control over the invoicing process, so as to avert both the omission of sales and the inclusion of false purchases. The original idea was extended to other areas of tax control, such as payroll, goods in transit, and new services such as factoring. To some extent, EI can be regarded as the start of the process of digitizing the TAs in the broad sense. This publication addresses the pioneering experience of EI in Latin America, from its implementation to its extensions and impact on tax collection. |
| bank of america erica case study: China's Financing in Latin America and the Caribbean Enrique Dussel Peters, 2020 |
| bank of america erica case study: Fourth Industrial Revolution and Business Dynamics Nasser Rashad Al Mawali, Anis Moosa Al Lawati, Ananda S, 2021-10-07 The book explains strategic issues, trends, challenges, and future scenario of global economy in the light of Fourth Industrial Revolution. It consists of insightful scientific essays authored by scholars and practitioners from business, technology, and economics area. The book contributes to business education by means of research, critical and theoretical reviews of issues in Fourth Industrial Revolution. |
| bank of america erica case study: Computational Intelligence in Data Science Mieczyslaw Lech Owoc, |
| bank of america erica case study: A Guide to Assessing Needs Ryan Watkins, Maurya West Meiers, Yusra Visser, 2012-01-06 Making informed decisions is the essential beginning to any successful development project. Before the project even begins, you can use needs assessment approaches to guide your decisions. This book is filled with practical strategies that can help you define the desired results and select the most appropriate activities for achieving them. |
| bank of america erica case study: The Million-Dollar, One-Person Business, Revised Elaine Pofeldt, 2018-01-02 The self-employment revolution is here. Learn the latest pioneering tactics from real people who are bringing in $1 million a year on their own terms. Join the record number of people who have ended their dependence on traditional employment and embraced entrepreneurship as the ultimate way to control their futures. Determine when, where, and how much you work, and by what values. With up-to-date advice and more real-life success stories, this revised edition of The Million-Dollar, One-Person Business shows the latest strategies you can apply from everyday people who--on their own--are bringing in $1 million a year to live exactly how they want. |
| bank of america erica case study: Management Information Systems Kenneth C. Laudon, Jane Price Laudon, 2004 Management Information Systems provides comprehensive and integrative coverage of essential new technologies, information system applications, and their impact on business models and managerial decision-making in an exciting and interactive manner. The twelfth edition focuses on the major changes that have been made in information technology over the past two years, and includes new opening, closing, and Interactive Session cases. |
| bank of america erica case study: Congressional Record United States. Congress, 1968 |
| bank of america erica case study: Economic Crisis, Health Systems and Health in Europe Sarah Thomson, Josep Figueras, Matthew Jowett, Tamás Evetovits, Philipa Mladovsky, Anna Maresso, Jonathan Cylus, Marina Karanikolos, Hans Kluge, 2015-07 Economic shocks pose a threat to health and health system performance by increasing people's need for health care and making access to care more difficult - a situation compounded by cuts in public spending on health and other social services. But these negative effects can be avoided by timely public policy action. While important public policy levers lie outside the health sector, in the hands of those responsible for fiscal policy and social protection, the health system response is critical. This book looks at how health systems in Europe reacted to pressure created by the financial and economic crisis that began in 2008. Drawing on the experience of over 45 countries, the authors:' analyse health system responses to the crisis in three policy areas: public funding for the health system; health coverage; and health service planning, purchasing and delivery 'assess the impact of these responses on health systems and population health' identify policies most likely to sustain the performance of health systems facing financial pressure' explore the political economy of implementing reforms in a crisisThe book is essential reading for anyone who wants to understand the choices available to policy-makers - and the implications of failing to protect health and health-system performance - in the face of economic and other forms of shock.-- |
| bank of america erica case study: Autonomous Horizons Greg Zacharias, 2019-04-05 Dr. Greg Zacharias, former Chief Scientist of the United States Air Force (2015-18), explores next steps in autonomous systems (AS) development, fielding, and training. Rapid advances in AS development and artificial intelligence (AI) research will change how we think about machines, whether they are individual vehicle platforms or networked enterprises. The payoff will be considerable, affording the US military significant protection for aviators, greater effectiveness in employment, and unlimited opportunities for novel and disruptive concepts of operations. Autonomous Horizons: The Way Forward identifies issues and makes recommendations for the Air Force to take full advantage of this transformational technology. |
| bank of america erica case study: Economy, finance, management: world problems and development prospects Andrushchak I., Косташ Т.,Сакун А., Пристемський О., Мороз Л.І., Chatchenko T., Shmorgun L., Prykhodko Y., Degodiuk E., Denysenko M., Breus S., Panchenko V., Prytula Ye., Kolmakova V.,Sotnychenko L., Kuzmenko K., Staneva Y., Tabenskyy S., Добровольська Е., Покотильська Н., Korbutiak A., Sokrovols’ka N., Kvasnytska R., Payuk A., Заславська О., Кретов Д., Rozghon Y., Melnyk L., Matsenko O., Kalinichenko L., Kyrylenko M., Dovgal О., Sidorov M., Заюков І., Друзь М., Марченко В., Краснікова Н., Михайленко О., Kaplina A., Балаклеєць К.Ю., Ковалевська А.В., Живко З.Б., Боруцька Ю.В., Родченко С.С., Живко М.О., Шегинська А.І., Зеленська Л., Гречаник О., Савенко О.А. Burlitska O., Sholomeichuk S., Zhydovska N., Andrushko R., Дрималовська Х., Греб О., Михайленко О., Пащенко О., 2024-04-03 Collective monograph |
| bank of america erica case study: Why Civil Resistance Works Erica Chenoweth, Maria J. Stephan, 2011-08-09 For more than a century, from 1900 to 2006, campaigns of nonviolent resistance were more than twice as effective as their violent counterparts in achieving their stated goals. By attracting impressive support from citizens, whose activism takes the form of protests, boycotts, civil disobedience, and other forms of nonviolent noncooperation, these efforts help separate regimes from their main sources of power and produce remarkable results, even in Iran, Burma, the Philippines, and the Palestinian Territories. Combining statistical analysis with case studies of specific countries and territories, Erica Chenoweth and Maria J. Stephan detail the factors enabling such campaigns to succeed and, sometimes, causing them to fail. They find that nonviolent resistance presents fewer obstacles to moral and physical involvement and commitment, and that higher levels of participation contribute to enhanced resilience, greater opportunities for tactical innovation and civic disruption (and therefore less incentive for a regime to maintain its status quo), and shifts in loyalty among opponents' erstwhile supporters, including members of the military establishment. Chenoweth and Stephan conclude that successful nonviolent resistance ushers in more durable and internally peaceful democracies, which are less likely to regress into civil war. Presenting a rich, evidentiary argument, they originally and systematically compare violent and nonviolent outcomes in different historical periods and geographical contexts, debunking the myth that violence occurs because of structural and environmental factors and that it is necessary to achieve certain political goals. Instead, the authors discover, violent insurgency is rarely justifiable on strategic grounds. |
| bank of america erica case study: Getting Off Erica Garza, 2018-01-09 “Erica Garza has written a riveting, can’t-look-away memoir of a life lived hardcore…In an era when predatory male sexual behavior has finally become a topic of urgent national discourse…Getting Off makes for a wild, timely read” (Elle). A fixation on porn and orgasm, strings of failed relationships and serial hook-ups with strangers, inevitable blackouts to blunt the shame—these are not things we often hear women share publicly, and not with the candor, eloquence, and introspection Erica Garza brings to Getting Off. What sets this courageous and riveting account apart from your typical misery memoir is the absence of any precipitating trauma beyond the garden variety of hurt we’ve all had to endure in simply becoming a person—reckoning with family, learning to be social, integrating what it means to be sexual. Whatever tenor of violence or abuse Erica’s life took on through her behavior was of her own making, fueled by fear, guilt, self-loathing, self-pity, loneliness, and the hopelessness those feelings brought on as she runs from one side of the world to the other in an effort to break her habits—from East Los Angeles to Hawaii and Southeast Asia, through the brothels of Bangkok and the yoga studios of Bali to disappointing stabs at therapy and twelve-steps back home. In these remarkable pages, Garza draws an evocative, studied portrait of the anxiety that fuels her obsessions, as well as the exhilaration and hope she begins to feel when she suspects she might be free of them. Getting Off offers a brave and necessary voice to our evolving conversations about addiction and the impact that internet culture has had on us all—“a profoundly genuine, gripping story that any reader can appreciate” (Vice). “In reading Garza’s insight into her own experiences, we better understand ourselves” (The New York Times Book Review). |
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Bank of America Reports First Quarter 2025 Financial Results
Apr 15, 2025 · Bank of America reported its first quarter 2025 financial results today. The news release, supplemental filing and investor presentation can be accessed at Bank of America’s …
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