Ina Personnel Today exclusive, Mike Broad talks to the man in the hot seat atCorus, Allan Johnston. The personnel director at the steel giant explains thebackground to the job cuts at an emotionally charged timeWhensteel giant Corus announced 6,050 job losses on 1 February, the ensuing clamourby politicians and the media drowned out much of the company’s explanation andnew priorities.Agreat deal was made of the affected workforce finding out about theredundancies on the same day as the media. But little was known about thesophisticated internal communication strategy, implemented by the company’s HRteam, which successfully informed most of the employees – through a combinationof face-to-face meetings, e-mails and freephone information – before the mediadid. Also,little has been made of the fact that the redundancies are proposals and arenot set in stone. Corus claims to be taking the 90-day consultation period withstaff and unions seriously. “Wewere accused of not consulting, and of not giving people the opportunity torespond. We were even accused of being arrogant,” said Allan Johnston,personnel director of Corus. “But what we have put to the unions is a set ofproposals.”Thesteel manufacturer offered the unions a two-week period following theannouncement to consult with members before the 90-day consultation periodstarted. Under UK law, companies are only obliged to offer the 90-day periodafter the announcement of mass redundancies. Johnstonsaid, “It is my intention to make it obvious [to the unions] that if what theyhave to say to us is sensible then it will be considered in all seriousness.” Therehas only been one formal proposal so far, which involved the unions buyingCorus’ large plant in Llanwern, South Wales. UnderCorus’ proposals basic steel making will cease at the plant with the loss ofmore than 1,300 jobs. But, according to Johnston, the unions’ proposal wasnot feasible. “The competitive positionof the company would be undermined,” he explained. Othersolutions are being developed, including a plan for cutting the hours ofthreatened employees to protect their jobs.Corushas two sets of priorities during the consultation period. Johnston said, “Thefirst set is to get to a position where we’ve taken into account people’salternatives and come to a final view of the configuration. Once that is done,we move on to how we deal with the people-consequences of the restructuring.”The“people consequences” will be tackled through a combination of counselling andretraining that the company is currently developing. It will also be workingwith local agencies and employers to create jobs. Johnston is also chairman ofUK Steel Enterprise, the job creation arm of the Corus, which has been providedwith an additional £10m to spend in the affected areas. Thecompany has, for example, already started discussions with Ford which intendsto invest £220m and create 600 jobs at its Bridgend plant in Wales. Corus hasalso launched a pioneering deal with the AEEU union and EXi Telecoms to createhundreds of jobs for redundant steel workers in the telecoms industry.Thecompany’s planned strategy should cut £180m a year from operating costs. It isthought the company made an operating loss of £350m last year on its UK steelproduction, which the company has blamed on reduced domestic demand, hightransportation costs and the strength of the pound. The City reacted favourablyto the plans with the group’s shares increasing by 10 per cent the followingday.Johnstonsaid, “If you want to sell steel in Europe then you sell it in deutschmarks.Four years ago, you could sell a tonne of steel for 500DM which was about £220.If you sell the same tonne of steel at the same price today you would receive£147.” Johnstonbelieves staff were “generally happy” with the efforts the company made toinform them of the restructuring. He said, “We were determined that the peoplewho should find out first what was going to happen were the people mostaffected.“Obviouslyonce announced the proposals were big news and were on the news wires withinone minute, but not before consultative meetings had begun in every plantaffected.”Thecompany was vilified for not informing the Government of the decision, butJohnston explained that this was to prevent leaks. Only 30 staff at Corus knew.Hesaid, “We trust the politicians, but at every meeting there are always half adozen civil servants around. In our experience, there is a danger that they goback to their departments, start to discuss their response and the news getsout.”Internalcommunication is only a small part of Johnston’s role. He is one of sevenexecutive committee members who developed the plan, and was integral to thedecision-making process. He said, “I’ve got a responsibility for HR but it isnot compartmentalised. I was fundamentally involved in the choice of theoptions.“Ina situation like this, where a major restructuring is taking place, there areplenty of options and there could have been a great many different outcomes tothe deliberations. One of my roles has been to ensure that the right decisionwas taken when it came to the chosen option.” WhileJohnston believes the 90-day consultation period will allow the proposals to befine-tuned, he welcomes Trade and Industry Secretary Stephen Byers’ decision toreview the laws requiring consultation “in good time”. Hesaid, “We have to be careful – we don’t want one package for every situation.Neither is it right that UK consultation is crap and European consultation isgood.”Unlessrestructuring has significant national implications, such as in Corus’ currentsituation, Johnston would prefer consultation at a local level. “I’d like tosee consultation take place where it has most effect – which is generally inthe workplace. If you are someone who works in Port Talbot or Scunthorpe whatyou really want to know is, ‘What the hell is going on in my plant?’“Weare certainly more comfortable having works council meetings at plant levelrather than at national level. Whether we then need to consult at a nationallevel is highly questionable.”Hebelieves that if the EU directive on information and consultation did becomelaw next year, forcing employers to talk to the workforce before major changeswere announced, then employers and unions would have to mature in theirrelationship. Johnstonsaid, “We’d have to get into a situation where the trade unions and ourselvesare able to talk a lot more in confidence than we currently do. If we had goneinto this particular announcement with very significant prior consultation withsenior trade unionists they would have been in a totally impossible position.“Don’tforget our predecessor, British Steel, was one of the few companies in the UKto have employee directors. They sat on the board as we agreed to close theirplants – it was almost an impossible position for those people to findthemselves in.” Lastweek staff at Vauxhall’s Luton plant voted for strike action following theDecember announcement that 2,000 workers would be made redundant. ButJohnston is confident that Corus will not be crippled by industrial action. Hesaid, “We will still have 20,000 people in the industry in dozens of sitesaround the UK if all the restructuring goes through as we envisage. “Ibelieve people will be very sympathetic to those affected but will get on withwhat they need to at their own works.” Asthe consultation period develops, the HR team will be focusing on theoutplacement of staff and will look to rebuild lost confidence. He said,“Negative publicity is inevitable – you don’t expect laurel wreaths for puttingout this sort of information. What we need to do now, in the middle of anemotional period, is a really professional job and look after the people asbest we can.”Corus:the knock-on effects–Corus’ restructuring will result in the reduction of 3 million tonnes of ironand steelmaking capacity in the UK. The plan includes making 6,050 staffredundant.–Sites that will be closed include Ebbw Vale and Bryngwyn, with the loss of 780and 127 jobs respectively. Plants that will be reduced in size includeLlanwern, Shotton and Teeside, with the loss of 1,340, 319 and 234 jobs. –If the proposals still represent the company’s strategy following the 90-dayconsultation period then the redundancies will occur between 2001 to 2003,although Corus’ personnel director Allan Johnston claimed that all but a fewhundred job losses would occur this year. –The company’s UK manning levels will be 22,000 after the restructuring.–The company estimates that the measures will save it £180m a year. Previous Article Next Article The truth behind the headlinesOn 20 Feb 2001 in Personnel Today Comments are closed. Related posts:No related photos.
March 2, 2019 /Sports News – National Scoreboard roundup — 3/1/19 FacebookTwitterLinkedInEmailiStock(NEW YORK) — Here are the scores from Friday’s sports events: INTERLEAGUE Final Atlanta 4 Toronto 3 Final N-Y Mets 7 Detroit 1 Final Pittsburgh 1 Toronto 1 Final Oakland 6 Colorado 3 Final Seattle 7 Milwaukee 3 Final St. Louis 4 Houston 4 Final Cleveland 8 L-A Dodgers 4 —— AMERICAN LEAGUE Final Tampa Bay 10 Baltimore 5 Final Minnesota 4 Boston 3 Final Chi White Sox 8 Texas 5 Final L-A Angels 10 Kansas City 7 Final Baltimore 2 N-Y Yankees 2 —— NATIONAL LEAGUE Final Philadelphia 7 Pittsburgh 3 Final Washington 5 Miami 4 Final Chi Cubs 10 Arizona 2 Final San Diego 5 L-A Dodgers 4 Final San Francisco 5 Cincinnati 3 —— NATIONAL BASKETBALL ASSOCIATION Final 4OT Chicago 168 Atlanta 161 Final Charlotte 123 Brooklyn 112 Final Boston 107 Washington 96 Final Toronto 119 Portland 117 Final New Orleans 130 Phoenix 116 In 3rd L.A. Clippers 87 Sacramento 82 In 3rd L.A. Lakers 74 Milwaukee 67 —— NATIONAL HOCKEY LEAGUE Final OT Buffalo 4 Pittsburgh 3 Final Washington 3 N-Y Islanders 1 Final Philadelphia 6 New Jersey 3 Final Montreal 4 N-Y Rangers 2 Final Carolina 5 St. Louis 2 Final Winnipeg 5 Nashville 3 In 2nd Vegas 2 Anaheim 0 In 2nd San Jose 2 Colorado 1 —— TOP-25 COLLEGE BASKETBALLFinal (21) Buffalo 77 Miami (Ohio) 69Copyright © 2019, ABC Radio. All rights reserved. Written by Beau Lund
FacebookTwitterLinkedInEmailPhoto by Phil Ellsworth / ESPN Images(NEW ORLEANS) — First overall draft pick Zion Williamson will sit out the New Orleans Pelicans’ final preseason game with a sore right knee, the team announced Thursday.New Orleans is in New York City to take on the Knicks on Friday. Williamson did not travel with the team, and will undergo further testing. There was no immediate timetable for his return.In four preseason games, Williamson has averaged 23.3 points and 6.5 rebounds in 27.3 minutes.The 19-year-old missed most of the Las Vegas Summer League after suffering a bruise of his other knee. He had not missed any time during training camp.Copyright © 2019, ABC Audio. All rights reserved. Written by October 17, 2019 /Sports News – National Zion Williamson to sit out final preseason game with sore right knee Beau Lund
A man has been stabbed outside the Marks and Spencer store on Banbury Road, Summertown. The man was standing outside the store with his bike when a car with three men pulled up alongside him. The attacker got out of the car and immediately stabbed the victim in the leg, before returning to the vehicle and driving off. The car set off towards the city centre. The incident occurred between 9 and 9:30 pm, Monday 24 May. The victim suffered a deep stab wound which required several stitches. A 36 year old man, Ian McFayden, from Cowley, has been charged in connection with the incident.ARCHIVE: 5th week TT 2004
Secretary, Michaelmas 2008 The full results of the elections are as follows: Treasurer, Hilary 2009James Langham, unopposedStanding Commitee, Michaelmas 2008Nouri Verghese: 153Ronald Collinson: 137Ngu Atanga: 133James Kingston: 114Niall Gallagher: 113 Runner up: Katy Minshall President, Hilary 2009 Charlie Holt: 767Ed Waldegrave: 574 LMH second year Charlie Holt has won the race for the title of President of the Oxford Union, following Friday’s election. He will commence his duties in Hilary Term 2009. Leo-Marcus Wan was elected Librarian for Michaelmas 2008. Tom Hartley: 712Simon Millar: 429Spoilt, blank, void: 322 Secretary’s Committee, Michaelmas 2008William Parry: 109 Judd Fischer: 88Justine Potts: 85Laura Winwood: 71Sam Cullen: 68Fenella Corrick: 68Julius Hugelschofer: 67 Han Yu: 64Emily Gardner: 53Runner up: JD Appleby Librarian, Hilary 2009Leo Marcus Wan: 665Guagua Bo: 620Spoilt, blank, void: 175
Channel 44 News: METS Offers Free Rides SundaySEPTEMBER 3rd, 2017 TYRONE MORRIS EVANSVILLE, INDIANA Evansville residents will able to take the METs bus around the city this Sunday.The city is again offering free mixed-route, mobility and connection service from 6:15 a.m. to 6:15 p.m.The routes include: Howell to Mary, Stringtown to First, Lincoln Avenue, Covert to Riverside, and East Connection routes.It’s all part of an ongoing effort to promote Sunday bus service which was launched back in January.FacebookTwitterCopy LinkEmail
A funeral mass will be offered Monday, Jan. 22 at Ss. Peter and Paul RC Church in Hoboken for Margaret C. Laguardia. She passed away peacefully, in the presence of her loving daughters, Jan. 17 at Hoboken University Medical Center. A retired waitress for Meadowlands Racetrack, employed by Harry M. Stevens Food Service, Inc., and a devoted parishioner of St. Ann’s Church, Margaret was predeceased in 2009 by her husband, Rocco, and a son, Dominick in 1988. She leaves to mourn her passing three daughters, Marie Brando (Danny), Marion Cicala (Joseph) and Angela Rada (Larry), and her only brother Gus and his wife Barbara. Margaret was blessed with six grandchildren, Nick Brando (Rosemary), Danny Brando (Daniela), Michael Hayes (Christina), Ashley, Rocco and Bobby and seven great-grandchildren, Nicholas, Sicily, Matthew, Fiora, Giada Brando’s, Lauren and Ryan Hayes and a host of nieces and nephews. Margaret loved people, lottery scratch-offs and trips to Atlantic City. A prayerful and devoted wife and mother, she will be remembered for her inspirational friendship to many. Visitation will continue on Sunday, Jan. 21 from 2 – 4 p.m. and 7 – 9 p.m. at the Failla-McKnight Memorial Home, 533 Willow Ave., Hoboken. Parking is available in rear of the memorial home off Sixth Street.
The government is committed to using its investment in infrastructure to drive the modernisation of the construction sector and improve the delivery of economic and social infrastructure projects. Working with industry and public and private sector clients, today the government publishes details of a proposal for a preferred approach to building infrastructure called a Platform Approach to Design for Manufacture and Assembly or “P-DfMA”; a modern method of construction which is a specific form of design for manufacture and assembly. These proposals will contribute to the government’s objectives as outlined in the Industrial Strategy, the Construction Sector Deal and the Transforming Infrastructure Performance programme, including a presumption in favour of offsite construction announced at Autumn Budget 2017. A platform approach rolled across a range of government programmes means that we will use a set of digitally designed components wherever possible, on different types of buildings. For example, a single component could be used as part of a school, hospital, prison building or train station. Offsite construction is already being used by four government departments: the Ministry of Defence, the Department for Health and Social Care, the Ministry of Justice and the Department for Education. The Department for Transport is also testing and rolling out a manufacturing approach on selected parts of their capital programme. Using a common platform approach will ensure we achieve efficiencies of scale and government can leverage its buying power to create a critical mass to accelerate change and innovation in the industry. Government will not define the components, these will be developed by industry whose responsibility it is to innovate and provide best value solutions. It will be underpinned by significant further research to design, test, provide assurance for and develop the components, standards and practices needed. Everyone is invited to respond to and help shape the proposal, with it being of most relevance to industry groups, academics and businesses from the construction, engineering, design, architectural and consulting sectors. The Ministry for Housing Communities and Local Government, as with the presumption in favour, is not included within this proposal. The housing market is different from that between the public sector and construction projects relevant to this proposal. However, MHCLG are aiming for similar outcomes in the residential housing market as outlined in Homes England’s Strategic Plan; including higher productivity and greater cost efficiency. Construction pipeline forecasts £600 billion of infrastructure investment over next decade Ministers want more projects to be delivered using digital manufacturing techniques Call for evidence launched on offsite building A massive £600 billion investment in our roads, hospitals and schools over the next ten years has been set out today, alongside proposals to harness modern technologies to build infrastructure in the most effective way.The Government’s National Infrastructure and Construction Pipeline reveals the vast scale of public and private investment underway and expected by 2028. It includes schemes announced by Chancellor Philip Hammond in his recent Budget, like the £28 billion national roads fund, as well as other flagship projects like East West Rail, upgrading the M6 to a smart motorway and Hornsea Project One – the largest offshore wind farm in the world.To ensure maximum efficiency in building these projects ministers are encouraging greater use of more modern approaches to construction. This includes the manufacturing of components in factories using the latest digital technology before being sent for assembly on construction sites. The Government has committed to increasing use of these methods in public-funded projects and today asks for views on how to encourage greater use of these cutting-edge techniques.Despite significant contributions to the UK economy, the construction sector’s productivity is weak compared to other sectors like manufacturing. Applying modern manufacturing approaches to building projects can boost productivity and reduce waste by as much as 90 per cent. For example, a school that typically takes a year to build could be completed in just over four months.This manufacturing technique has already been used to great success in several projects, including the A14 Cambridge to Huntingdon improvement scheme. Parts of these bridges were developed in a factory, meaning they were built more efficiently than if traditional methods of construction had been used.The Exchequer Secretary to the Treasury, Robert Jenrick said:“We are committed to renewing our infrastructure to drive economic growth in all parts of the United Kingdom. Over the course of this Parliament, investment in economic infrastructure will reach the highest sustained levels in over 40 years.“And as the pace of technological change accelerates, we are stepping up our commitment to digital infrastructure, use of data to drive greater productivity and embrace new methods of construction.“With £600bn of investment over the next decade, including the largest ever investment in our strategic road network, we are taking the long term action required to raise productivity and ensure the economy is fit for the future.”Chief Executive of the Infrastructure and Projects Authority, Tony Meggs said:“Government is the largest client for infrastructure projects so has an important role in using its purchasing power to drive improved productivity in their delivery.“We recognise there is significant momentum within the sector to scale up the adoption of more modern and innovative practices and it is the role of the IPA to help coordinate this approach across new infrastructure projects.“We would like to hear from a range of industry experts on government’s proposals for a Platform Approach to Design for Manufacture and Assembly.”Chief Executive of Highways England, Jim O’Sullivan said:“At Highways England we recognise the productivity and efficiency challenges that the U.K. construction industry is facing. In recent years we have encouraged more computer-led design, automation, and pre-assembly across all of our construction activities. As well as driving productivity and efficiency, it improves worker safety and reduces delays and frustration for road users passing through our works.“We will adopt ever increasing levels of automation and off-site construction on road improvement schemes and smart motorways in our next five year road investment programme.”Notes to Editors:
On Wednesday night, The Who stopped by The Tonight Show Starring Jimmy Fallon to perform a re-worked version of “Won’t Get Fooled Again” along with The Roots and Jimmy Fallon. Roger Daltrey, Pete Townshend, and the rest of the 30 Rock regulars played the fan-favorite tune on classroom instruments, as Fallon and The Roots have done in the past with Weezer, Metallica, Lonely Island, and more.“Won’t Get Fooled Again” was first released as a single in June 1971, while the full eight-and-a-half-minute version appears as the final track on The Who’s 1971 album, Who’s Next.Watch The Who, The Roots, and Jimmy Fallon perform “Won’t Get Fooled Again” on classroom instruments below:The Who, The Roots, Jimmy Fallon – “Won’t Get Fooled Again”[Video: The Tonight Show Starring Jimmy Fallon]The Who are currently on the road with their Moving On! Tour. For this tour, the band is bringing along a local symphony orchestra to each performance, offering a new, unique take on their classic catalog. Along with Townshend and Daltrey, the lineup for this tour is rounded out by familiar Who players featuring guitarist/backup singer Simon Townshend, keyboardist Loren Gold, bassist Jon Button, and drummer Zak Starkey, and complemented by some of the best orchestras in the U.S. and Canada. See below for a list of remaining dates on The Who’s Moving On! Tour. For more information and ticketing details, head to the band’s website.The Who Moving On! Tour Upcoming Dates:05/16 – Nashville, TN @ Bridgestone Arena05/18 – Noblesville, IN @ Ruoff Home Mortgage Music Center05/21 – Chicago, IL @ Hollywood Casino Amphitheatre05/23 – St. Louis, MO @ Hollywood Casino Amphitheatre St. Louis05/25 – Philadelphia, PA @ Citizens Bank Park05/28 – Detroit, MI @ Little Caesars Arena05/30 – Pittsburgh, PA @ PPG Paints Arena06/01 – Toronto, ON @ Scotiabank Arena09/06 – St. Paul, MN @ Xcel Energy Center09/08 – Alpine Valley, WI @ Alpine Valley Music Theatre09/10 – Cuyahoga Falls, OH @ Blossom Music Center09/13 – Boston, MA @ Fenway Park09/15 – Wantagh, NY @ Northwell Health at Jones Beach Theater09/18 – Atlanta, GA @ State Farm Arena09/20 – Ft. Lauderdale, FL @ BB&T Center09/22 – Tampa, FL @ Amalie Arena09/25 – Houston, TX @ Toyota Center09/27 – Dallas, TX @ American Airlines Center09/29 – Denver, CO @ Pepsi Center10/11 – Los Angeles, CA @ Hollywood Bowl10/13 – Los Angeles, CA @ Hollywood Bowl10/16 – San Diego, CA @ Viejas Arena at Aztec Bowl10/19 – Seattle, WA @ T-Mobile Park10/21 – Vancouver, BC @ Pepsi Live at Rogers Arena10/23 – Edmonton, AB @ Rogers PlaceView Tour Dates
28SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Steve Maloney Steve Maloney is president/CEO of Sync1 Systems, has more than 20 years of experience in the Information Technology field in addressing issues specific to the financial services industry. Prior … Web: https://www.sync1systems.com/solutions Details When it comes to loan apps and the digital age, outdated techniques won’t work. Millennial consumers “live” on their mobile devices while Generation Z was raised on digital from birth. Hence, younger consumers rely heavily on smartphones for shopping, banking, social media, work, entertainment, and reviews/feedback. It’s no surprise that lenders, who strategically build their mobile apps with smartphone users in mind, are attracting more mobile-centric shoppers. Potential applicants might want to pay off student loans early or purchase their first car or home.But, what if you’re a lender and your site lags? What if you’re optimizing ads to no avail? What if you have high bounce rates and churn – despite your best efforts? And importantly, why are some apps ignored, like yesterday’s Twitter feed, and others are coveted and prized, like Instagram?Potential loan applicants don’t complete digital loan transactions due to slow page load speeds. It might also be apps or sites that aren’t intuitive for multichannel borrowers or they’re not optimized for mobile. Let’s take a look at what your loan apps should include and ways to enhance your online lending presence.Auto Loans: Consumers Expect Mobile-Centric ExperiencesJ.D. Power found that with auto lenders, well-designed apps can improve customer satisfaction and about 47% of car buyers shop online first before going to a dealership. Leveraging your digital online presence can improve your lending strategy whether it’s for auto lending or other lending products. Further, expediting loans, better user experiences and reducing negative sentiment can lead to higher ROI and lower costs. Win-win. So, what does this entail? Glad you asked.Improve experiences and lower costsLet potential applicants answer a few targeted questions to start the loan origination process. While auto-fill features and auto saving data reduce human errors, collecting relevant data is for future document usage. You won’t incur costs from human labor that has to review applications manually.Your loan origination software might include:Easy-to-understand online applications, customizable forms, and automated decision emails.Pre-approval letters, credit pulls, and disclosures.Loan status updates, closing contracts (with reduced closing times), terminology, and support (chatbots, live) for optimal experiences.Capture relevant data, build trust, and improve workflow strategiesAn enhanced loan origination platform can capture application data and store documents for compliance and regulation purposes. With digital records and collected data, there are no physical copies or forms to fill out or store. It should be almost as easy as taking out a loan from a friend!Digitization in the loan process also reduces human errors. All fields in the loan origination system are entered correctly, applications can be reviewed in real-time, and consumers can lock-in interest rates.Because applicants expect a seamless and secure interface, every touch point can build trust, loyalty, and confidence (which leads to referrals). To further enhance their experiences, include newsletters, ecards, and other ways to stay top-of-mind with new borrowers.For businesses with optimized mobile lending apps, there are cost-saving benefits.Gartner estimates that within 2 years, about 66% of businesses will offer virtual online support. This represents a 50% uptick from 3 years ago. Optimized mobile loan apps that include artificial intelligence (AI), machine learning, and chatbots can reduce labor costs. They can offer digital assistance and voice banking and automate routine tasks. They can even create milestones, improve workflows, and store insightful data to cross-promote other lending products.Reduce churn and bounce ratesOptimizing your loan app can reduce your bounce rates. Consumers want to give you their business. But, they need to know your app saves time and has enhanced features.To demonstrate how much influence consumers have, here are a few interesting stats:About 75% of consumers expect reliable service and assistance (online, brick-and-mortar).A record 77% will recommend a business to friends if their experience is positive, but 67% cite bad experiences as their reason for churn (negative feedback). Additionally, nearly 60% change brands if they had a bad experience.Nearly 80% of shoppers use their smartphone in a business to compare competitor prices and reviews.Close to 33% of customers ended relationships with brands that didn’t offer personalized online experiences (chatbots, virtual assistants).Credit Union Loans: Consumers Want Convenient Online LendingPWC found that about 80% of consumers attribute convenience, speed, and friendly support to positive customer experiences. Hence, your lending techniques are important.Millennials and Gen-Z like the anytime/anywhere approach when banking and completing transactions online. Hence, loan apps should be easy to complete online 24/7/365. Your software provider can tailor your app based on your audience.A few tips include:Have software designers configure the appropriate drop-down menus. Set validation rules that guide applicants through the lending steps.Test your app on simulated devices and configure it in real-time. As market conditions, interest rates, and lending strategies change; you can update it accordingly.To avoid mobile app mistakes, use large call-to-action (CTA) buttons, action images, and colors reflecting your brand. For accessible design, avoid violating Americans with Disabilities Act (ADA) laws.Note: Keep your app or site relevant with helpful features only a few clicks away and test your page load speeds as borrowers might be on smartphones (with only their thumb or index finger).Optimizing your app reduces the need for paper documents and it can reduce human errors. You can provide research, real-time rates, lending terminology, and chatbots. This provides better experiences regardless of the borrower’s channel (online, in-person).Ultimately, a responsive loan app can influence applicants, offer better experiences, and simplified loan applications can lead to increased referrals and ROI, and lower churn. Remember, consumers return to apps with ongoing value. Target features your applicants and borrowers want. Meeting their needs and nurturing them early can help when you’re ready to cross-promote (lifestyle loans, alternative lending) later, and with successful loan app strategies – you will meet again. A wise and noble influencer once said, “Use your feelings Obi-Wan and find him you will”.