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Software Functionality Revealed in Detail
We’ve opened the hood on every major category of enterprise software. Learn about thousands of features and functions, and how enterprise software really works.
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Visit the TEC store to compare leading software solutions by funtionality, so that you can make accurate and informed software purchasing decisions.
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 bad credit loan


Scient Finds That Golden Eggs Can Bite
Scient’s bottom line and stock price have both suffered from two clients that ran out of funds before paying their bills. One of them was a dot-com, and it’s

bad credit loan  hurt so badly by bad debt when one customer folded its tent that AppNet eventually had to sell itself to Commerce One. Although Scient has a fairly high exposure, with an estimated 25 percent of its clients being dot-coms, there's no reason to assume that the company is in serious danger. Scient has another dependence on dot-com companies with its recently launched Internet incubator (see Dot.Coms Getting Bred By Scient ). However, some companies in its space will suddenly be in serious danger. It's

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Software Functionality Revealed in Detail

We’ve opened the hood on every major category of enterprise software. Learn about thousands of features and functions, and how enterprise software really works.

Get free sample report
Compare Software Solutions

Visit the TEC store to compare leading software by functionality, so that you can make accurate and informed software purchasing decisions.

Compare Now

Process Manufacturing (ERP)

The simplified definition of enterprise resource planning (ERP) software is a set of applications that automate finance and human resources departments and help manufacturers handle jobs such as order processing and production scheduling. ERP began as a term used to describe a sophisticated and integrated software system used for manufacturing. In its simplest sense, ERP systems create interactive environments designed to help companies manage and analyze the business processes associated with manufacturing goods, such as inventory control, order taking, accounting, and much more. Although this basic definition still holds true for ERP systems, today its definition is expanding. Today's leading ERP systems group all traditional company management functions (finance, sales, manufacturing, human resources) and include, with varying degrees of acceptance and skill, many solutions that were formerly considered peripheral (product data management (PDM), warehouse management, manufacturing execution system (MES), reporting, etc.). While during the last few years the functional perimeter of ERP systems began an expansion into its adjacent markets, such as supply chain management (SCM), customer relationship management (CRM), business intelligence/data warehousing, and e-Business, the focus of this knowledge base is mainly on the traditional ERP realms of finance, materials planning, and human resources. The old adage is "Such a beginning, such an end", and, consequently, many ERP systems' failures could be traced back to a bad software selection. The foundation of any ERP implementation must be a proper exercise of aligning customers' IT technology with their business strategy, and subsequent software selection. This is the perfect time to create the business case and energize the entire organization towards the vision sharing and a buy in, both being the Key Success Factors (KSFs). Yet, these steps are very often neglected despite the amount of expert literature and articles that emphasize their importance.    

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Documents related to » bad credit loan

The Bottom Line on Bad Customer Data


You can blame your sales people all you want, but if the lead data is bad, they’re not going to bring in business. You can blame your product managers for ineffective promotions, but if the target lists are redundant, the pitches fall on deaf ears. You can blame your customer service representatives for low satisfaction scores, but if customer data is missing, then no wonder the complaint resolution pipeline is backed up. Think it’s your customer resource management (CRM) system? Think again. It’s bad data, and it’s costing you millions. Request your copy of The Bottom Line on Bad Customer Data that delivers detailed advice from Jill Dyche, partner and co-founder of Baseline Consulting, about what you can do to address the impact of bad data on your company. The report gives you insight into how bad data is impacting your company and what you can do about it. How to identify where the bad data is and quantify its impact, and different approaches to determine the sources and causes of bad data are all offered in this paper.

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Cloud for Business Managers in Midsize Organizations: the Good, the Bad & the Ugly


Read this independent research report to learn how business managers around the world are using cloud applications. Discover the top motivations for adopting the cloud, the most common problems and recurring pitfalls; common barriers to cloud application integration and the consequences of security breaches and compliance issues.

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Predictive Product Keeps Debtors’ Prison Empty


SLP InfoWare adds a module that identifies credit risks.

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Best Market Practice for Calculation and Reporting of Wrong-Way Risk


This paper explores approaches for quantifying wrong-way risk (WWR), a natural extension of the risk management methodologies used to calculate credit value adjustment (CVA) measures. It also recommends the best practices for incorporating WWR into trade pricing and meeting regulatory requirements.

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Winning the PCI Compliance Battle


The payment card industry (PCI) Data Security Standard establishes common processes and precautions for handling credit card data. Although achieving PCI compliance can seem daunting, the requirements represent security best practices that should be observed by any organization with IT systems and data to protect. Learn about network scanning and security assessment solutions that can help you manage PCI compliance.

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Wholesale Banking: Challenges in Automating Commercial Credit Risk Management


The challenges associated with commercial credit are complicated, but through automation, commercial credit risk management can be made straightforward and more efficient. IBM’s Business Analytics for commercial banking can help improve commercial lending operations, and, along with strong risk management practices and modernized operations, can create best practices for implementation and enhance overall operational effectiveness.

It’s essential that an automated system is transparent, helps with compliance, can serve multiple relationship types, and is able to use several criteria for risk assessment. A good system should take into consideration the complexities between customer, loan, and approval processes, and limit the need for multiple individual systems by way of a single user interface or tightly integrated systems.

In this white paper, read a detailed overview from IBM Business Analytics about the advantages and potential challenges of automation in five areas of interest, including complexity of the customer and credit granted, as well as continuous risk monitoring and how to improve overall relationship management. Get details on the management and analysis of commercial portfolios and related documents, business intelligence reporting, and defaults/recoveries management. Also provided is an extensive point-form information checklist, allowing you to self-check your own organization to determine what areas may need attention. Security issues for data protection are also addressed.

Creating infrastructure for your organization for best success begins with choosing the best technologies, and IBM Business Analytics can help, improving profitability and providing solutions that allow your business goals to be realized.

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Credit Risk Management: Collateral, Covenants and Risk Review


If your organization is still managing credit risk manually, you could be leaving your company open to experience significant losses and complications that can harm its financial well-being. Multiple systems, piles of paper, inconsistent or out of date information- all could end up costing your company dearly. Today, the best way to ensure that credit risk is being appropriately monitored and managed is with the adoption of an automated system. With the implementation of an automated system, accuracy of data and efficiency of execution are significantly improved, and risk is monitored in a superior and more effective manner.

In this white paper, IBM highlights the benefits that an automated system for credit risk management can bring to your organization, including a reduction of human error on multiple levels, a marked increase in compliance, the capability to quickly track a data trail, and the capacity to effortlessly update and upgrade across multiple accounts and systems. Automation means valuations are up to the minute, and that transparency is increased. Document imaging, data entry, and automated workflow can resolve many problems previously encountered with manual procedures.

IBM’s Business Analytics offers a comprehensive 5-point action plan involving the importance of automating collateral processes, how to consolidate diverse systems and data, the benefits of automating collateral and covenant monitoring to reduce risk with the latest available information, and how automation supports release processes for minimized risk. Credit risk management can be modernized and refined as a result of changing towards an automated system.

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Customer Communication: Managing the Digital Deluge


As with all things, there’s a good side and a bad side—the Internet is no different. Although it improves communication between businesses and customers, it can also overwhelm customers that are bombarded with marketing e-mails on a daily basis. Customers want more convenient contact channels. Smart companies understand this and are responding by adopting a multichannel approach to customer relationship management (CRM).

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Westminster Savings Credit Union Makes a Smart Investment


Westminster Saving Credit Union (WSCU) is one of Canada’s largest credit unions, with 12 branches, 50,000 members and more than $2.1 billion in assets. To meet its rigorous accounting and financial reporting needs, WSCU migrated from Sage PFW ERP to Sage ERP MAS 500 based on the advice of business partner The Answer Company. Download this case study to learn about the benefits WSCU realized after the transition.

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Data Quality Basics


Bad data threatens the usefulness of the information you have about your customers. Poor data quality undermines customer communication and whittles away at profit margins. It can also create useless information in the form of inaccurate reports and market analyses. As companies come to rely more and more on their automated systems, data quality becomes an increasingly serious business issue.

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