White Papers

Browse this free online library for the latest technical white papers, webcasts, and product information to help you make intelligent IT product purchasing decisions.

Talent Analytics: Moving beyond the Hype

Talent analytics is one of the most misunderstood areas of human capital management (HCM). With conflicting definitions regarding what it is and various ideas of how it should be leveraged, most organizations default to an approach to data that is relatively immature. Less than one-third of companies combine talent data with business data to measure the impact on organizational performance. As the demands of business escalate, human resources (HR) professionals must be prepared to provide insight,... Read More

The Business Case for Compensation Technology: How Better Enabled Compensation Teams Can Improve Organizational Outcomes

  • Source: IBM
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Despite the foundational role compensation plays in talent strategies, many organizations continue to manage compensation market analysis, strategy development, and program administration using spreadsheets. Managing compensation processes in spreadsheets can be done, and can even be done well in some cases. But the pitfalls of handling complex compensation tasks in spreadsheets are well known: spreadsheets are prone to human error, require a high level of expertise to move beyond simple analysis,... Read More

Five Questions About the Use of Text Messaging for Collections

The mobile phone has become the primary communications device for many people, and text messaging is a key channel. Eighty-three percent of text messages are opened within three minutes, yet few collections organizations leverage the power of this channel. Many collectors have questions about incorporating text messaging into their strategies and how to ensure they stay in compliance with applicable laws and regulations.

In order to contact a debtor on their mobile phone, do you need to... Read More

Enriching Your Customer Experience with Proactive Customer Communications

Proactive customer communications (PCC) is any outbound communications solution that delivers proactive notifications, alerts, or other messages. Done right, PCC turns often-dreaded telemarketing calls or ignored direct mail into important alerts and updates.

Today, PCC is being used across industries, including financial services, telecom and utilities, travel and hospitality, healthcare, retail, and pharmaceuticals. PCC can help businesses in many industries and of all sizes deliver greater... Read More

The Smarter CHRO: Key Trends and Recommendations to Help Leaders of HR Become More Strategic

  • Source: IBM
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  • Published:
The human resources (HR) function is evolving rapidly. Whether we call it strategic, integrated, or optimized, there is a growing recognition that the contribution of HR to organizational success is becoming more significant. Through research and discussion with many heads of HR, three key trends that impact HR leaders have been identified: overwhelming change, the smart revolution, and the customer-activated enterprise. This white paper also offers a series of recommendations to help ensure that... Read More

Your Best Workers May Not Be Your Employees

  • Source: IBM
  • Written By:
  • Published:
The workforce is changing. Cradle-to-grave employment is a relic. Technological advances have allowed workers to become more mobile and global. But the financial crisis of 2008 has had a lasting impact on employment around the world and across industries. Since then, multiple studies have documented the rise of independent workers, also known as contractors, freelancers, or consultants.

In this report, researchers look at a sample of more than 33,000 workers across 26 countries and compare... Read More

State of Fraud Today: Using Proactive, Real-Time Interactive Notifications to Fight Fraud and Increase Customer Loyalty

With identity theft and consumer fraud on the rise, and more frequent and sizable data breaches in the news, financial institutions need to be taking a multi-channel approach to fighting fraud, to both reduce fraud losses and maintain customer loyalty and satisfaction.

This approach should include proactive financial alerts, to quickly give customers the necessary information and the tools to help combat fraud. Mobile plays a critical role as it provides the ability to reach customers... Read More

The DNA of Collections Success

Business-as-usual when it comes to collections efforts no longer works well. Household debt is growing, debt delinquency rates are higher than before the global financial crisis in 2009, customer contact and collection is getting increasingly harder, and there are operational challenges on top of everything. At a time when everyone’s collection volumes are up and your business is competing with other creditors for your customers’ limited resources, you need to look for innovative strategies that... Read More

Compliance Tips for Outbound Debt Collection Communications

The largest challenge to successful debt collection efforts today is outbound communications compliance. There are many rules to follow, and requirements are continually evolving.

This white paper looks at some key considerations for collection compliance for outbound communications. These include understanding the compliance landscape in the United States, complying with legal requirements and restrictions to avoid fines, and learning the best practices for obtaining debtor consent for... Read More

Combating Showrooming: How Retailers Can Use Mobile to Enhance the Shopper Experience

For retailers, current technology advancement means increased in-store and online competition, readily available product information and reviews, and increased purchase decisions. Consumers have much more information at their fingertips while in a brick-and-mortar store. The rise of the mobile shopper has brought showrooming into a new age.

This white paper outlines some factors a smart shopper is looking for and how a retailer can adapt to changes in shopping behavior to make the most... Read More
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