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Gov’t moves to secure poultry production

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About 500 poultry farmers are to be trained in the early detection and treatment of various poultry diseases, as the country seeks to reduce mortality in the poultry sector and meet the growing demand for locally produced chicken.

A recent USAID survey revealed that Ghanaians consume more than two million locally-produced chickens annually. This suggests a vibrant market for live birds, amid concerns over the viability and competitiveness of the broiler industry in the country.

Ghanaian consumers are now eating more and more chicken fueled by a rise in incomes. The country’s per capita income increased from GH¢400 reported in the 2008 published Ghana Living Standard Survey Round 5 (GLSS5) to GH¢5,347 as contained in the GLSS6 released in 2014, implying that the average Ghanaian lives on an average gross income of GH¢14.65 a day.

Broiler producers, the survey notes, generated an estimated GH¢53.6 million from the birds sold, which represents 0.7 percent of the total GDP of the agriculture sector in 2015 and 7.9 percent of the GDP of the livestock sub-sector.

However, outbreak of various poultry diseases such as Newcastle disease and bird flu among others, have a significant impact not just on individual households but also adjacent commercial farms.

To this end, the Ghana Poultry Project (GPP), which is funded by the US Department of Agriculture, has collaborated with the Veterinary Services Department (VSD), under the Ministry of Food and Agriculture, to train a number of local community members and equipped them with toolkits. This is to help poultry households address diseases and production challenges.

According to officials of the GPP, it forms part of efforts to ensure the expansion of effective and affordable veterinary services at small holder level, through the use of community members.

It took off with a trainer of trainer workshop for VSD staff across three project regions including the Ashanti, Greater Accra, and Brong Ahafo regions. The 36 trainers went to identify 116 willing community members and trained them on various animal related topics with a focus on poultry production across the three project regions.

The Value Chain Team Leader of GPP, Mr. Kweku Tuoho, said the GPP has a major focus strengthening the capacity of veterinary service providers and poultry input dealers to expand their reach to all commercial poultry producers and smallholder poultry farmers in the project regions.

He explained that this will lead to an improved poultry health and a reduction in poultry mortality, a major setback for poultry producers.

He noted that through the CAWH programme, “GPP will work with VSD to use locally produced poultry production input such as an I-2 vaccine to expand veterinary services and vaccination against the Newcastle disease to all poultry producing households.”

Mr. Kweku Tuoho, GPP (right), handing over the toolkits to Rev. John Manu, Ashanti Regional MoFA Director (right)

Mr. Tuoho who said these at the presentation of the toolkits to the CAHWs, in Kumasi, charged them to take their task very seriously and work with poultry households in an honest and transparent manner.

The Ashanti Regional Director of MoFA, Rev. John Manu, said the project’s effort to train the local people was in the appropriate and commendable and very timely.

He said the Region is endowered with the right environment for commercial poultry production but insisted that the Newcastle and other poultry diseases which can affect the industry needs to be eradicated to the barest minimum if possible.

Rev. Manu underscored the role of the CAWHs in fighting poultry diseases among local birds, which can transmit diseases easily due to the prevalent ‘free-range system’ common in most villages and small towns.

He urged the CAWHs to use the logistical support from the GPP to double their efforts and duties.

Similarly, the Regional Head of the Veterinary Service Department, Dr. E.E. Effah, asked the CAWHs not to make the exercise a one-day work but continue with the vaccination programme as it should to help achieve the objective of the programme.

Are your measuring your business’ Customer Effort Score (CES)?

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A few weeks ago – in our December 21st article (https://thebftonline.com/business/the-net-promoter-score-nps-what-is-it), we have talked about NPS (Net Promoter Score) as the de facto standard for measuring Customer Loyalty.

In 2008, the CCC (Customer Contact Leadership Council) a division of the Corporate Executive Board (CEB is now part of Gartner) created the Customer Effort Score (CES), as a better alternative to NPS. CCC believes their CES metric to be both a better and more predictive method of surveying customers.

CCC made a quite extended study of 75,000+ customers who have had an interaction with customer service via all possible communication / contact channels (e.g. phone, email, chat, etc.), and they performed literally hundreds of structured interviews with customer service leaders worldwide.

FYI, this study of the 75.000+ customers, was based in getting answers to the following 3 questions:

  1. How does customer service affect loyalty?
  2. Which customer service activities increase loyalty and which do not?
  3. Can companies increase loyalty without raising their operating costs?

 

What is CES?
The idea behind CES is to ask your customer how much effort s/he put into a certain interaction with your company; for example, during a technical support call or during a visit at a Customer Service Department that s/he needs to do in order to resolve a billing problem or simply exchange a merchandise.

CCC/ CEB research showed that “Service organizations create loyal customers primarily by reducing customer effort – i.e. helping them solve their problems quickly and easily – not by delighting them in service interactions”.

According to CCC/ CEB’s findings:

  • if customers are forced to put forth high effort, they are 96% more likely to be disloyal,
  • only 9% of customers with low effort are more disloyal.

So, the original CES single question in 2010 was: “How much effort did you personally have to put forth to handle your request?”, with an answer- rating scale starting from 1 (very small effort) and going all the way up to 5 (very big effort).

Due to problems with interpretation consistency, universal applicability, and cross-industry benchmarking capabilities, in 2013, CCC/ CEB came out with an improved CES version. CES version 2.0 is based on the statement: “[Name of the organization] made it easy for me to handle my issue”customers are asked to express their level of agreement / disagreement with this statement on an enhanced seven-step scale from 1 (Strongly disagree) to 7 (Strongly agree).

For course in practice, different businesses use their own variation of the CES- scale (e.g. from 1 to 3 or from 1 to 7 or even to 9) and rephrasing of the question/ statement.

NPS and CES are complementary measures

When comparing the NPS and CES score, research does show that indeed these scores correlate with each other:

  • customers that indicate they had to make little efforts to fix a problem, also tend to give a high NPS.

However, it might be a great idea to utilize/ use both of these 2 measurements in every single survey, since:

  • NPS gives you a picture of your customer satisfaction on an overall level, and
  • CES specifically indicates how you perform in handling customer issues.

 

The Business Case with CES
Case studies of companies using CES (e.g. British Telecom) have found that “it has helped to:

  1. Demonstrate project success – Decreasing effort scores highlight the effectiveness and success of certain changes.
  2. Influence rep behaviours – As reps understand the importance of effort, they focus more on experience engineering.
  3. Detect process fixes – Identifying specific call types with unusually high effort scores can indicate potential areas for process improvements.”

 

Studies have also shown that customers who exert “high” effort (4 or 5 on the CES scale) are:

  • 61% less likely to repurchase and
  • 23% less likely to increase spend with an organization – as compared to the average customer.

We suggest that you use existing data regarding the percentage of customers who renew contracts annually or your general customer churn- rate to get an average repurchase rate, and then figure out the expected loss in repurchase from high effort customers specifically

Another equally quite interesting and surprising field- study result is that:

à89% of the interviewed customer service managers bet on “exceeding customers’ expectations” and very disturbing that

à84% of customers felt their recent interactions “did not exceed their expectations.” Simply put: there is little correlation between satisfaction and loyalty.

With BT in particular, we found that the rate of customer loss or easy scores was found to be significantly less than others and showed a 40% reduction in the propensity to churn. If you’re easier to do business with your much more likely to stay, essentially. We also found that in B2B companies, too. Being easy to do business with prevented customer defections and they’re more likely to stay.”

Finally, according to published studies, CES 2.0 should be 1.8 x better at predicting customer loyalty than Customer satisfaction (CSAT)and 2 x finer than Net Promoter Score (NPS).

Suggested CES Success KPIs

  • Total # of requested CES feedback
  • Total # of collected CES feedback
  • % of collected feedback from total feedback requests
  • Percentage- distribution of feedback on CES scale (1-7)
  • …..

 

CES Criticism
There is plenty of criticism and it’s all about the fact that CES is solely focused on the effort or effortless customer experience during the resolution of an issue. Sure, it is great if you are benchmarking the efficiency of your Customer Service. But, it does not tell you absolutely nothing about the customer who had no problem or who decided not to contact your Customer Service.

Also, you cannot get any type of ‘customer segmentation’ data / information when using CES.

 

What is the Best Customer Effort Score / Value?

We hear / get this question a lot from our clients.  CES is not an absolute ‘value’/ metric like NPS.

Also, everybody has the freedom to implement their own version of CES in their organization, so there is no Universal Benchmarking.

What is important, is that you define the CES zero-line for your own organization and that you start measuring (hopefully) improvement in your Customer Service areas and you manage to correlate that to specific actions taken to for improvement.

In Conclusion
Implementation of Customer Effort Score will definitely help you improve Customer Loyalty, by knowing how much effort your customers must put into resolving their problems.

Basically, you will have your customers pinpointing your attention right to the shortcomings of your service or product.

CCC/ CEB believes that a low effort customer experience is the cornerstone of customer loyalty. Do you believe that too?

Still, keep in mind that in the 75.000+ customers’ study, 89% of the Customer Service Manages felt/ bet on exceeding expectations, while 84% of those 75.000+ customers felt they their expectations were not met!!

Thank you and Good Luck w/ your CES implementation. Remember, it can also be a simple binary question like ‘was it easy for you to resolve your problem today?’ (you don’t have to use ‘verbatim’ that very expression/ sentence)

 

Kwaku and Spiros

About the authors: Both Kwaku Abedi and Spiros Tsaltas are associated with a unique Customer Loyalty Startup :  HireLoyalty (www.HireLoyalty.com)- based in Accra, which is coming out of stealth mode in the next few weeks offering both Consulting and Training in anything relating to Customer Loyalty.

 

They welcome all your comments/ remarks/ feedback /suggestions at Press [at] HireLoyalty.com. HireLoyalty can be reached at +233 20 741 3060 or +233 26 835 2026

 

As a NED (Non-Executive Director), Spiros is also associated with HIREghana ( www.HIREgh.com ) and  he can be hired via them (+233 50 228 5155)

 

© 2018 Kweku Abedi & Spiros Tsaltas and © 2018 HireLoyalty

2018 begins! fake news, fake jobs, fake courts

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What a beginning! A republic’s anniversary, an immigration service professing medical expertise while practicing discrimination and a media house DG declaring new courts of prosecution.

Happy New Year. Although January’s beginnings in the world of news in Ghana revealed we are off to a troubling start. The above stories signify deeper issues and require critical analysis.

Ghana’s Immigration Service faced the public’s ire as it abandoned its actual remit and turned itself into a body with medical expertise. We now know the story. 500 jobs. 80,000 applicants. Each applicant paid a voucher fee. GIS’s provided public jobs criteria – i.e. height or educational requirements. Post applicants’ payment to apply, long, long, long lines in Ghana’s unforgiving Harmattan, a missive is released by a GIS ‘official’ that stretch marks and bleached skin exclude you from this service.

Really? I mean, GIS, seriously!

This is beyond problematic. It is discriminatory, it is an outrage, it should be criminal. It is an act of a dangerous kind of leadership that already flourishes in this nation.

GIS is not qualified to make medical decisions. Skin bleaching is a problematic personal decision buoyed by an institution that has turned self-hate and international beauty standards of whiteness into a multi-million dollar profit industry. Ghana’s government has already banned the primary ingredient in the bleaching crèmes; and yet such products are still widely advertised – and certainly more needs to be done. The GIS is not the body engaged to perform this service.  Its additional declaration that stretch marks impede effective job performance is beyond ludicrous. Mothers in particular are stretch mark carriers. So, this becomes a gender discrimination issue. I mean, in our history one of Ghana’s revered warriors is Yaa Asantewa – a grandmother, a leader, a woman – whose courage has been celebrated throughout the years. Might she have had stretch marks?

Of course, I am being facetious. But GIS is being ridiculous beyond measure.

What is dangerous is such declarations lack any weight in evidence, expertise and yet they are issued as if they are fact. They are then repeated with other equally ignorant voices added to lend weight to such stupidity.

The added issue? Accepting  80,000 applications for only 500 jobs; where paid application guarantees profit for no work is symptomatic of the worst elements of leadership in Ghana. For me, it is an act of corruption, it is fraud by omission and beyond calls for individuals aggrieved to seek redress in courts, there needs to be institutional amends, accountability and transformation.

Hardly an auspicious beginning!

The outrage is easy. The change is the challenge.

And change is what is required.

From a troubled immigration service’s jobs policies to an equally troubled media house’s leadership call for bogus courts.

Ghana’s Broadcasting Corporation (GBC) is our nation’s public broadcaster. Its current stint in hot water is the result of the new DG’s – Dr. Kwame Akuffo Anoff-Ntow – flawed and foolish decision to announce special new courts where non-payers of tv licences will be prosecuted and punished.

That declaration triggered equal parts outrage and condemnation. It was swiftly followed by a humiliating walk back from GBC’s DG. The latter was the result of the legal world highlighting their utter ignorance of such a major move – and their lack of knowledge of such a move, meant simply it was never an actual move. There is little more damaging than empty threats followed by a public dressing down. GBC’s DG had gone rogue. Seemingly without consultation or practicing the leadership role – for which he had been hired – he made an announcement that turned into a public dressing down.

There are deeper issues that require engagement here.

I strongly believe in our nation having an active public broadcaster. In our media world dominated by private media houses whose bottom line profit impacts content choices – a public broadcaster holds a different mandate. It must serve a nation with content that engages history, context, nation-building. It is subject to different scrutiny because we the public are its shareholders.

It holds a history steeped in politics due to its beginnings and its life under the varying administrations.

GBC was birthed in 1935, and formerly known as the Gold Coast Broadcasting System. Its beginnings were the brainchild of our colonizers. The aim was to bring news, entertainment and music into the homes of millions. It was described then as an essential ‘path to progress’. It was the brainchild of then governor Sir Arnold Hodson.

The GBC – like all media houses – is ultimately a content creator. As the news broke, I spent time watching GBC’s tv content. I was appalled. Watching the news bulletins was like a journey in time travel. The presentation felt like it belonged to the 1970s. This is a direct reflection of leadership’s failure to focus on transforming a historical, weak structure that does not function for the 21st century – while calling for the public to engage,  respect and pay for it.

For me, media is passion, purpose and profession. I believe in its power to do important, transformative work when led with vision, conviction and skill. Public broadcasters matter. GBC – like many media houses – have focused, talented and committed individuals working under challenging circumstances within weak institutions and incompetent or mediocre management and leadership. That combination is disastrous for any media house – but for the public broadcaster it is particularly egregious.

Building strong institutions needs to be a work in progress not a go-to sound bite. And our nation’s public broadcaster is an institution.

TV licenses are a bitter pill for Ghana’s public to swallow. They are bitter because watching the channel prompts the valid question – what is money being spent on? Where does the TV licence money land? GBC’s content should be educational, historical and engaging. It can – and should – reflect the modernity of global media. With a guaranteed income, a stronger structure should exist with forward thinking leadership and visionary management. GBC should not be the media house where great ideas go to die, or where great people eek out a living navigating frustration and inaction.

As Ghana honors the 25th anniversary of the Republic, discarding the legacy and shackles of our colonizers must be a priority for Ghana’s national broadcaster. Individual vision without institutional restructuring cannot stand. GBC was born in our former colonizer’s time.

Media in Ghana is a modern tool; not just of communication, but of leadership. It carries the power of narrative. It nurtures nation building by the choices it makes regarding content and contribution. GBC is not exempt from hard choices because of its historical beginnings.

We are currently governed by a president who called for an engaged citizenry. Such citizens will not just condemn outrage but actively call for, demand and persist in pursuit of change.

What are we willing to give up, transform, exchange, remove, replace in order to make CHANGE?

In 2018, our word for the year when it comes to media and leadership should be: CHANGE.

About  the author

Esther A Armah is an Accra-based international award winning journalist who works across radio and print. She is Director of EAA Media Productions, a Media Communications Lecturer with Webster University, a Content Creator and a Master Class Media Trainer. Every Friday at 9.30am, listen to her weekly show #finePRINTfriday on Class91.3FM. Her website is www.eaarmah.com

Hanging the tourism sector to dry — Low gov’t cash, no FDI in 2017

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When the Ghana Investment Promotion Centre (GIPC) presented its third quarter performance for 2017, not a single investment was recorded for tourism.

According to the report, since the turn of 2017, more than 130 projects worth some US$5billion were recorded and yet not a single dollar was recorded in the tourism sector.

The Akufo-Addo-led government rode to power on the back of the creation of jobs for the teeming unemployed youth who were growing frustrated over the lack of job opportunities. Surely, one of the sectors that can easily generate meaningful employment as well as bring in scarce foreign exchange is the tourism sector.

However, over the past few years, it seems the potential and the opportunities in the sector has been lost on successive governments which either paid lip service to the sector or ignored it entirely. When Ken Ofori-Atta presented the Akufo-Addo’s government second budget statement, not much was in there for the tourism sector.

The expediency that is being attached to other sectors and initiatives is missing in the tourism sector. More disappointing is what he recounted as the highlights for the tourism sector in 2017.

Mr. Ofori-Atta said  the country participated in eight international fairs including, 51st Internationale Tourismus-Bourse (ITB) Tourism Fair-Berlin, Germany, China’s Outbound travel and tourism market (COTTOM) in Beijing, China and the Akwaaba Travel Fair in Nigeria.

“In 2018, the Ministry will use the international Tourism, Arts and Culture Fairs and fora to pursue robust investment drive. It will also use the Single Portal Window to promote and market tourism,” he added.

All across the country are notable tourism sites which have been neglected with some totally undeveloped and wasting away. Generally, road networks in the hinterlands are nothing to write home about and those leading to some leading tourist sites are worse off.

The road leading to the southern-most part of Ghana, Cape Three Points in the Western Region, is virtually nonexistent and during the rainy season is completely inaccessible. Ironically, that place has an eighty-four-year-old lighthouse and arguably one of the most scenic beaches in West Africa.

Not far-off from Cape Three Points is Princess Town and Butre, all coastal town with finer beaches than any seen in Accra. Yet, these places are a pain to reach and hardly gets any mention in any coordinated marketing campaign. Events organised by indigenes of these areas largely get no support from policy makers, and are left to untrained town folks to manage.

The budget allocation to the Ministry of Tourism and Creative Arts contained in the 2018 Budget is GH¢75.3 million out of which about GH¢18 million is being devoted to capital expenditure. It is interesting to note that the Ministry has 12 departments and agencies.

This budget allocation does not commensurate with the lofty initiatives promised by government.

One of the key promises made was the transformation of the country into a major Meeting, Incentive, Conference, & Exhibition (MICE) centre, as well as on expanding the tourism sector, through investment, innovation, the pursuit of service excellence and meaningful partnerships.

According to the 2016 NPP Manifesto, this will enable tourism to become a major revenue-generating sector that provides safe, memorable and enjoyable experience for tourists. The NPP said, to achieve this, it will aggressively develop tourist sites to bring them to world-class standards, complete with the requisite amenities and facilities.

It said its government will also pursue a deliberate marketing programme to promote our unique historical sites, flora and fauna, waterfalls and other cultural artefacts, and take the staffing of these tourist sites and our hospitality industry as a whole seriously.

Further, to improve professionalism in the sector, an NPP government will partner with the private sector to set up a state-of-the-art hospitality teaching facility, with an operational hotel, classrooms, kitchens, library, and dormitories.

Lastly, then opposition party promised to encourage local communities to take ownership and invest in the sustainability of tourist attractions in their localities. The NPP promised championing a revenue-sharing programme to inject 5% of tourism revenues from fees of well-developed tourist attractions into local community projects.

Well, these are but few of the campaign promises made by the then opposition party to transform the tourism sector. If anything at all, the 2018 budget statement read by Finance Minister does little to set the tone for government to achieve the promises made to the sector.

When Ken Ofori-Atta appeared on the floor of parliament while dazzling with numerous thought out policies and initiatives for other sectors, he could only mention initiatives to promote local dishes among other not too significant initiatives especially looking at the myriad of challenges bedeviling the sector.

Of course, the statement presented on the floor of Parliament was just highlight which all the same makes it sad that the initiative singled out for mention were the highlights for this all-important sector.

It is important Ghana embraces the modern way of managing its tourism sector to bring out the best in it. The NPP manifesto offers some exciting proposals that when fully implemented could set the country on a path of growth.

While participating in tourism fairs and expo is important, it is worth noting that if we don’t put our house in order, such fair will just become avenues for people to get out of the country on sightseeing and sipping on mochas while they populate their social media pages.

Putting our house in order will lead to increase in domestic tourism that will complement the number of international tourists that arrive in the country every year. Tourism deserves government’s full support now.

 

2018 begins! fake news, fake jobs, fake courts

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Esther A. Armah

What a beginning! A republic’s anniversary, an immigration service professing medical expertise while practicing discrimination and a media house DG declaring new courts of prosecution.

Happy New Year. Although January’s beginnings in the world of news in Ghana revealed we are off to a troubling start. The above stories signify deeper issues and require critical analysis.

Ghana’s Immigration Service faced the public’s ire as it abandoned its actual remit and turned itself into a body with medical expertise. We now know the story. 500 jobs. 80,000 applicants. Each applicant paid a voucher fee. GIS’s provided public jobs criteria – i.e. height or educational requirements. Post applicants’ payment to apply, long, long, long lines in Ghana’s unforgiving Harmattan, a missive is released by a GIS ‘official’ that stretch marks and bleached skin exclude you from this service.

Really? I mean, GIS, seriously!

This is beyond problematic. It is discriminatory, it is an outrage, it should be criminal. It is an act of a dangerous kind of leadership that already flourishes in this nation.

GIS is not qualified to make medical decisions. Skin bleaching is a problematic personal decision buoyed by an institution that has turned self-hate and international beauty standards of whiteness into a multi-million dollar profit industry. Ghana’s government has already banned the primary ingredient in the bleaching crèmes; and yet such products are still widely advertised – and certainly more needs to be done. The GIS is not the body engaged to perform this service.  Its additional declaration that stretch marks impede effective job performance is beyond ludicrous. Mothers in particular are stretch mark carriers. So, this becomes a gender discrimination issue. I mean, in our history one of Ghana’s revered warriors is Yaa Asantewa – a grandmother, a leader, a woman – whose courage has been celebrated throughout the years. Might she have had stretch marks?

Of course, I am being facetious. But GIS is being ridiculous beyond measure.

What is dangerous is such declarations lack any weight in evidence, expertise and yet they are issued as if they are fact. They are then repeated with other equally ignorant voices added to lend weight to such stupidity.

The added issue? Accepting  80,000 applications for only 500 jobs; where paid application guarantees profit for no work is symptomatic of the worst elements of leadership in Ghana. For me, it is an act of corruption, it is fraud by omission and beyond calls for individuals aggrieved to seek redress in courts, there needs to be institutional amends, accountability and transformation.

Hardly an auspicious beginning!

The outrage is easy. The change is the challenge.

And change is what is required.

From a troubled immigration service’s jobs policies to an equally troubled media house’s leadership call for bogus courts.

Ghana’s Broadcasting Corporation (GBC) is our nation’s public broadcaster. Its current stint in hot water is the result of the new DG’s – Dr. Kwame Akuffo Anoff-Ntow – flawed and foolish decision to announce special new courts where non-payers of tv licences will be prosecuted and punished.

That declaration triggered equal parts outrage and condemnation. It was swiftly followed by a humiliating walk back from GBC’s DG. The latter was the result of the legal world highlighting their utter ignorance of such a major move – and their lack of knowledge of such a move, meant simply it was never an actual move.

There is little more damaging than empty threats followed by a public dressing down. GBC’s DG had gone rogue. Seemingly without consultation or practicing the leadership role – for which he had been hired – he made an announcement that turned into a public dressing down.

There are deeper issues that require engagement here.

I strongly believe in our nation having an active public broadcaster. In our media world dominated by private media houses whose bottom line profit impacts content choices – a public broadcaster holds a different mandate. It must serve a nation with content that engages history, context, nation-building. It is subject to different scrutiny because we the public are its shareholders.

It holds a history steeped in politics due to its beginnings and its life under the varying administrations.

GBC was birthed in 1935, and formerly known as the Gold Coast Broadcasting System. Its beginnings were the brainchild of our colonizers. The aim was to bring news, entertainment and music into the homes of millions. It was described then as an essential ‘path to progress’. It was the brainchild of then governor Sir Arnold Hodson.

The GBC – like all media houses – is ultimately a content creator. As the news broke, I spent time watching GBC’s tv content. I was appalled. Watching the news bulletins was like a journey in time travel. The presentation felt like it belonged to the 1970s. This is a direct reflection of leadership’s failure to focus on transforming a historical, weak structure that does not function for the 21st century – while calling for the public to engage,  respect and pay for it.

For me, media is passion, purpose and profession. I believe in its power to do important, transformative work when led with vision, conviction and skill. Public broadcasters matter. GBC – like many media houses – have focused, talented and committed individuals working under challenging circumstances within weak institutions and incompetent or mediocre management and leadership. That combination is disastrous for any media house – but for the public broadcaster it is particularly egregious.

Building strong institutions needs to be a work in progress not a go-to sound bite. And our nation’s public broadcaster is an institution.

TV licenses are a bitter pill for Ghana’s public to swallow. They are bitter because watching the channel prompts the valid question – what is money being spent on? Where does the TV licence money land? GBC’s content should be educational, historical and engaging. It can – and should – reflect the modernity of global media. With a guaranteed income, a stronger structure should exist with forward thinking leadership and visionary management. GBC should not be the media house where great ideas go to die, or where great people eek out a living navigating frustration and inaction.

As Ghana honors the 25th anniversary of the Republic, discarding the legacy and shackles of our colonizers must be a priority for Ghana’s national broadcaster. Individual vision without institutional restructuring cannot stand. GBC was born in our former colonizer’s time.

Media in Ghana is a modern tool; not just of communication, but of leadership. It carries the power of narrative. It nurtures nation building by the choices it makes regarding content and contribution. GBC is not exempt from hard choices because of its historical beginnings.

We are currently governed by a president who called for an engaged citizenry. Such citizens will not just condemn outrage but actively call for, demand and persist in pursuit of change.

What are we willing to give up, transform, exchange, remove, replace in order to make CHANGE?

In 2018, our word for the year when it comes to media and leadership should be: CHANGE.

___

Esther A Armah is an Accra-based international award winning journalist who works across radio and print. She is Director of EAA Media Productions, a Media Communications Lecturer with Webster University, a Content Creator and a Master Class Media Trainer. Every Friday at 9.30am, listen to her weekly show #finePRINTfriday on Class91.3FM. Her website is www.eaarmah.com

Introduction of online travel insurance policy timely – Aviation Minister

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Unique Insurance Company Limited in partnership with the Afro Asian Assistance a fully owned subsidiary of Trust Re, one of the world’s leading reinsurance companies from Bahrain has launched the first online travel insurance policy in Ghana for air travelers.

The policy which covers travelers, no matter which part of the world one might be traveling to, is designed to cover risks derived from emergency accidents and/or sudden illnesses with trip inconvenience and personal liability.

Minister of Aviation, Hon. Cecilia Abena Dapaah launching the online travel insurance policy said, the policy has come at an opportune time to reduce the burden travelers go through after booking for tickets, which is to now look for an insurance company to insure them.

“The launch of this product on the Ghanaian market has come at the right time to save air travelers a lot of time. This will impact positively on the aviation industry as travelers will fill their insurance policy forms side by side as they book for their flight. I think we as a people must patronize the Unique Travel Policy due to its flexibility and huge benefits.”

“The product we are launching today can simply be purchased at every travel agency, at the same time that the traveler purchases his or her ticket. Being an online and cloud based product, it allows real time transmission of the details of every purchaser to the international travel assistance partners. Therefore, a Ghanaian traveler is guaranteed prompt assistance on insured events outside of Ghana with Unique Insurance on the Unique Travel Policy,” she added.

Today in Ghana, the first requirement for the acquisition of shengen visa is whether the visa applicant has taken up travel insurance policy as it does not really matter whether you are already on the national health insurance scheme of Ghana.

This demand from our European Union friends suddenly switched many insurance companies in Ghana into quick travel insurance packaging.

Insurance is an important and in some cases an obligatory aspect of a tourist’s travel arrangements, embracing coverage for all manner of contingencies.

Normally travel insurance would cover one or more of the following contingencies: Medical care and hospitalization (and repatriation where the hospital is substandard), Personal accident, Cancellation or curtailment of holiday, Delayed departure, Baggage loss or delay, Money loss, Personal liability among others.

But this online travel insurance policy covers emergency accidents and/or sudden illnesses with trip inconvenience and personal liability and even allows for a relative of the policy holder to visit to take care of the victim.

All this has been made possible, by the Afro Asian Assistance a fully owned subsidiary of Trust Re. Trust International Insurance and Reinsurance Company B.S.C. (c) ‘Trust Re’ is a closed joint stock company registered in the Kingdom of Bahrain, with authorized capital of US$ 500 million, and issued and paid-up capital of US$ 250 million to policy holders around world.

It is regulated by the Central Bank of Bahrain, as a locally incorporated reinsurance firm.

The Minster of Aviation, Hon. Dapaah in her closing remarks stated that, the high benefit levels of the policy which complies with the requirements of Schengen States and other countries and regions requirement for visa acquisition, is a commendable development within the aviation and insurance industry in Ghana.

On his part the Managing Director for Unique Insurance Company Limited, Mr. Victor Obeng – Adiyiah, called on the Aviation Ministry to introduce measures and incentives aimed at promoting the purchase of travel insurance for every Ghanaian traveling abroad in order to reduce the incidence of distress to Ghanaian travelers and their families when they are off the shores of Ghana.

Adjepong-Boateng joins Soros board

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Mr. Kofi Adjepong-Boateng, the banker, has taken up a board position with the Economic Advancement Programme of the Open Society Foundations – the charity founded by George Soros, the billionaire philanthropist.

Mr. Adjepong-Boateng joins the EAP board following the announcement made in October 2017 that George Soros has given US$18bn, the bulk of his personal wealth, to Open Society Foundations, bringing his charitable giving over his lifetime to around US$32bn – starting when he gave scholarships to Black South Africans living under apartheid. He founded Open Society in 1984 to support democratic practice, human rights and good governance.

Mr. Soros’s foundations, with offices in 39 countries and a budget for last year alone of US$940.7m, are the second-largest private charity in the world after the Bill & Melinda Gates Foundation.

Mr. Soros is the 29th-richest man in the world, according to the Forbes rich list. He used his fortune to create the Open Society Foundations—a network of foundations, partners and projects. Its work, and its name, reflect the influence on Mr. Soros’s thinking of the philosophy of Karl Popper, which Mr. Soros first encountered as a student at the London School of Economics. In his book Open Society and Its Enemies, Karl Popper argues that no philosophy or ideology is the final arbiter of truth, and that societies can only flourish when they allow for democratic governance, freedom of expression, and respect for individual rights—an approach at the core of the work at Mr. Soros’s Open Society Foundations and the Economic Advancement Programme.

The Soros Economic Development Fund is a key part of the EAP. It is an investment company within EAP which deploys capital by making investments in commercial institutions, enabling them to play a meaningful role in promoting open societies. EAP has offices in London, New York, and Johannesburg.

George Soros was born in Hungary in 1930 and lived through the Nazi occupation. He left Budapest for London in 1947 and made his way to the US, where he founded his hedge fund in 1973. Since then he has made US$41.8bn for investors in his hedge fund, estimated to be the second-highest level of profits generated for shareholders by any firm in the global hedge fund industry. Now 87, Mr. Soros has retained an active role in OSF as chairman of its global board, which also includes his sons Alexander and Jonathan.

Aside from his position on EAP’s board, Mr. Adjepong-Boateng is a founding partner of the Pembani Remgro Infrastructure Fund, which invests in African infrastructure, and a Senior Advisor to Credit Suisse, the global wealth management firm. He is a former Vice Chairman at Standard Chartered Bank Group, which he joined following the bank’s purchase of First Africa, the firm he established in 1995. Mr. Adjepong-Boateng is also currently a Member of the Board of Trustees of the School of Oriental and African Studies, University of London and also chairs the Policy Committee of the Centre for the Study of African Economies at the Department of Economics, University of Oxford.

This is the second appointment that Mr. Adjepong-Boateng has taken up as part of the governance structure of a major global charity. For several years until June 2015, he served on the Investment Sub-Committee of the Finance, Budget and Compensation Committee of the AGRA Board. AGRA was created as a policy advocacy group by the Bill & Melinda Gates and Rockefeller Foundations, and provides funding and other support to Africa’s food and agricultural sector.

Mr. Adjepong-Boateng joins the EAP Board along with Ms. Dawn Fitzpatrick, who in April 2017 became chief investment officer of Soros Fund Management.

Future alternative currencies: Why it matters for development

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When Lorenzo Fioramonti, a professor of the University of Pretoria, South Africa, began to teach in 2012 he decided to start his course with an analysis of how money affects social order. What his students found particularly fascinating was the then-nascent world of cryptocurrencies, which he described at length as a crucial feature in the future of money.

Some colleagues criticised his approach. They accused him of indirectly encouraging students to invest in what they saw as a shady, crime-ridden financial underworld. But he was simply exposing young minds to a fast-evolving, complex phenomenon that in his view would have a major impact on power distribution in the global economy.

Behind most cryptocurrencies is a simple technology known as ‘blockchain’, a system residing in multiple computers that allows for peer-to-peer financial ledger recording of all transactions occurring in a network.

This results in a transparent open-access registry of monetary flows which makes the intermediation of banking authorities unnecessary. Thus, it challenges the conventional belief that money can only work through central planning.

As he explains in his book Wellbeing Economy: Success in a World Without Growth, money systems are undergoing an unprecedented transition from centralised authority to decentralised networks.

Conventional money is managed by states and banks, with users on the receiving end of monetary policy decisions. In contrast, most alternative currencies are peer-to-peer. That means they are managed by users themselves and do not require intermediaries. Some of them have global outreach thanks to digital technology, while others are locally based.

Take BitCoin, the most popular peer-to-peer currency in the world, with a market capitalisation above 40 billion US dollars. A person buying the equivalent of US$1 in BitCoin in 2009 would now possess roughly US$25million. One BitCoin is currently equivalent in value to two ounces of gold. Other rising stars include Ethereum, Litecoin and Ripple.

Taking the world by storm

Many of these currencies remain quite volatile in the short-term. Their upward and downward swings reach over 10% of the value on a weekly basis. But the long-term trend is impressive. States are warming up to them.

In April 2017, Japan accepted BitCoin as a legal payment method for retail markets. After threatening digital currencies last year, the Russian government took a U-turn. President Vladimir Putin met the developers of Ethereum and committed to recognising cryptocurrencies this year, 2018.

Following an initial freeze, the People’s Bank of China readmitted withdrawals in BitCoin in June 2017, catapulting the currency to new heights. In the US, cryptocurrencies are becoming increasingly accepted as both a method of payment and store of value.

The Australian government will soon make it easier for new innovative digital currency businesses to operate, exempting traders and investors from goods and services tax.

It is clear that cryptocurrencies will in the near-future become much more common as methods of payment for a wide range of purchases, from online shopping to the local supermarket.

Developing countries are leap-frogging

Developing economies, too, are opening up to cryptocurrencies. In Venezuela, BitCoin has become the leading parallel currency. It provides millions of citizens with an opportunity to perform transactions and generate livelihoods, including buying food and other basic necessities in a country where official money is worth almost zero. It also allows them to purchase goods from overseas, overcoming ever-stricter capital controls.

In East Africa, local innovators have introduced cryptocurrency systems to support cross-border transactions, as exemplified by initiatives like BitPesa.

In South Africa, cryptocurrencies are becoming particularly popular. In Nigeria, local traders and activists believe this new money presents an opportunity to democratise the economy. This is propelled by the fact that people in Nigeria have been failed by conventional money.

According to Lorenzo Fioramonti’s colleague Verengai Mabika, founder of BitFinance in Zimbabwe, the collapse of his country’s formal financial system has made BitCoin an attractive alternative. This is especially the case for online payments, which are restricted by banks, and for remittances, which constitute the backbone of the economy.

A growing number of Zimbabweans are also using cryptocurrencies as a saving mechanism (37% of all Bitfinance customers use it for that purpose), Verengai said. This is after the massive loss of personal savings during the hyperinflation period of 2008, which led to the collapse of the country’s banks.

Decentralisation and local economic development

The decentralisation of money is indeed at the core of this new trend, with potential repercussions in other fields. For instance, Ethereum is designed as a smart contract platform – that is, a trading system completely based on peer-to-peer property rights. FairCoin was developed as the preferential currency for cooperatives, social economies and fair-trade networks around the world.

Cryptocurrencies are just the tip of an iceberg. According to recent estimates, there are over 6,000 complementary currencies in the world – over 50 times the number of conventional money systems. Most of these are user-controlled and are interest-free. One cannot make money by simply trading in them.

Hoarding makes no sense in this new world. This is because value is not in the accumulation but in the exchange.

The scope is often limited to certain territories or types of transactions (for example, personal care, sustainable mobility and local trade). This creates an incentive to support local economic development and forms of exchange that are valued by communities of users.

Regiogeld, a network of local currencies which Lorenzo studied when he was a researcher in Germany, has proliferated throughout the country. It has become the world’s largest system of local currencies, supporting small businesses and empowering communities.

In the near future, we will have a variety of money with different qualities and different purposes. This will make economies more resilient against shocks and support more equitable and sustainable development, by putting users in the driver’s seat and reinforcing local economic development.

As Lorenzo’s research demonstrates, a combination of regional, national and local currencies could also be the best way forward for the European Union, engulfed by its monolithic and unsustainable euro, and for any other process of regional integration – from Africa to other continents.

In Ghana, the Vice President of Groupe Nduom, Papa-Wassa Chiefy Nduom – son of Ghanaian business mogul, Papa Kwesi Nduom – has suggested, recently, that the Central Bank (Bank of Ghana) should consider investing foreign currency reserves into Bitcoin.

Chiefy Nduom, a Bitcoin enthusiast with a background in banking technology, believes that the Bitcoin cryptocurrency could become digital gold for Ghana and other countries on the African continent – but will the Bank of Ghana pay attention to him?

 

 

 

 

Sam Bediako-Asante is the CEO of Sambed Consult, a Business/Investment Advisory firm. He is also a former Banker, a Professional Administrator, and also presently, a certified and an accredited SA Specialist of the South African Tourism in Ghana.

Can be reached on 0277518634 or email: [email protected]

 

Credit: Lorenzo Fioramonti

Cyber-security perspectives on customer service policy

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Richard Gerson once said that to provide great customer service you must employ great people. Great people perfect their acts through continuous training and practice. To be able to understand your customers, meet their needs and go that extra mile to make them happy, you need data. Data about who they are, their stature, lifestyle and expectations. You also need to incorporate their feedback into the products or solutions you offer to “wow” them.

Crime has existed since the beginning of time. People find crafty ways of duping others for their own good. This can be in the form of someone entering your premise with a weapon and robbing you of something valuable or swindling you by false pretense. Crime is also mostly associated with data.  The more the data you have about your potential victims, the better prepared you are to launch an assault on them.

In modern times, technology has offered people an easy way to modify their lifestyles. We live, eat and breath technology; this we call innovation. People will call their friends to say hello instead of visiting them in their homes, send money through an app instead of walking to the bank, order food, material items etc. using technology.

Criminals have also identified this great potential within the technology chain and have moved their business in that direction.    Cyber is anything electronic or digital, from your baby monitor, to your surveillance systems, your cars, your phone and your computers. Any form of electronics is within Cyber-space. Data is the essential commodity we keep within Cyber-space: data about ourselves, our families, work, social and financial behaviors. Over time, when aggregated, these bits of data produce meaningful information with overwhelming benefits to customer service and cyber-crime alike.

Cyber-crime can be said to be any crime committed by means of a computer system or through the computer network. If criminals can manipulate any of the significant values within the security ecosystem (the people, the process or the technology) to outsmart their victims, they will. These criminals work in groups and sometimes are financed by state agencies to use any means necessary to obtain the information they need to outwit their victims. Out of the three significant values stated above, the human factor is the weakest link to attack, and innovations in the technology space have made this very easy.

To provide a service, someone visits a website of the victim, harvests information about personnel of the organization and cross checks on LinkedIn to learn more about the victim’s professional life. If the victim is on Facebook, the predator studies the victim’s social behavior and sends the latter a friend request if the victim meets the criminal’s objectives.   Because of the information harvested, the stranger fits perfectly into the victim’s friends list and a trust relationship begins.

The victim starts sharing ordinary data back and forth and then sensitive information. Before the victim is aware he or she may have broken the bank. The interesting thing in this scenario is that the victim may have never seen this predator.  The latter might claim to be providing a service for this customer, whether as an individual or organization in the customer service industry, but might in fact be a potential cyber-criminal. Although both predator and customer service provider may be looking for the same data, one’s purpose is to steal from prey, while the other’s aim is to offer exceptional customer service.   In this scenario, data provides great competitive advantage on both sides of the divide.

Now let us explore the kinds of data we have. We have Personal Data: this, the Data Protection Act 843 defines as data about you (the data subject). This data includes information such as your name, phone number and where you live.

The Act also defines Special Personal Data as any data relating to a child who is under parental control, sexual lifestyle, criminal record, religious affiliation and beliefs, race and health records

Then we have Sensitive data: this is any data which if acquired wrongfully would cause reputational damage, or bring an end to a business. Depending on the industry it may include trade secrets, legal contracts, secret recipes, or data acquired through some confidential agreement.

There are rules governing the holding and processing of personal or special data. To begin with, an entity needs to be registered with the Data Protection Commission if it collects personal data. If the entity fails to provide the necessary protection for the data it holds, it will be in breach of the nation’s laws.

Therefore, if an entity does not have a reason to hold someone else’s personal or special data, don’t hold it, or hold minimum data about customers that will assist you to do your work, or outsource the risk. However, if the entity really needs to hold this data, it must protect this data with all the controls it can muster.  This is my first cyber-security perspective on customer service policy.    For the second perspective, a wise mother once said that when you prepare for the worst, nothing beats you down; you can only excel. Cyber-criminals are savvy and daring.

The best defense against them is being vigilant and getting cyber educated. Yet sometimes you will get beaten. So, it’s not a matter of how, but when. You need to have a plan to ensure that even when your head is under water you can breathe fine.   A great customer service must extend to your customer’s data. This is why you need to have a mitigation plan.

This is achieved by:

  • Identifying and classifying data of your business, including that of the customer,
  • Analyzing how this data is being handled and installing controls to mitigate against crime • Performing a risk assessment to identify what can go wrong and how to deal with it.
  • Then form a team consisting of personnel from public relations, legal affairs, operations and technology to develop a working mitigation plan.

This team must work in tandem when dealing with a cyber breach.  Start-ups that do not have the luxury of PR, legal aid, etc. still need to plan and identify their risks. They must have external consultants on call to assist them circumvent the risks of cyber-crime.  As you plan your customer service policy, ensure that you include customer data protection.  Your customers as well as national authorities will be pleased to know you did your homework before the lions came in and may look favorably on you for at least having a working plan for mitigating Cyber-security breaches.

In conclusion, I must emphasize that data is the new currency that can make or break your business. To enjoy its fruits,

  • categorize the data you hold and protect it as much as possible,
  • perform a security risk assessment of your people, your processes and the technology you employ,
  • have a working backup plan for your data and an actual working backup as well, • think before you volunteer data unto the internet and, • seek advice from professionals in the industry to ensure you are home and dry.

The points above offer an appropriate way to balance providing excellent customer service with securing your customer data.

 

ABOUT THE AUTHOR

The author is the team lead for IT security and planning at the University of Ghana; an information security consultant who is passionate about building capacity and improving organizational culture in information security. His professional experiences span information security management and implementation, IT governance projects and risk management, and he has a keen interest in building security awareness programs for organizations.

You can reach him via the following channels: Email: [email protected] LinkedIn: https://linkedin.com/in/niibenjie Twitter:    @niibenjie Skype:       niibenjie Cell:          +233 24 873 9393

Maxam makes Christmas donation to Child Protection Center and an Orphanage

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Maxam Ghana Limited, a Mining Support Service company in Ghana, extended its benevolence to two institutions during the Christmas Season. The institutions are, Child Protection Center, Ashaiman, and Angel of Hope Orphanage in Tarkwa, Western Region as the children prepare to celebrate this Christmas.

Patrick Lombardia, the Managing Director of Maxam, led his team to present the items, which were assorted food items, detergents and Maxam-branded souvenirs, to 56 beneficiaries of the Child Protection Center, Ashaiman.

The cost of the items, to Patrick Lombardia, did not matter, saying that what matters most to the company, aside making profit, is its ability to give back to the vulnerable and under-privileged children in society.

To begin with its charity in the Greater Accra Region, Maxam Ghana Limited visited the Child Protection Center in Ashaiman and made a presentation.

Mr Lombardia expressed commendations to the attendants and caretakers of the children, for working hard to protect the children from bad peers.

Mr Lombardia encouraged the caretakers to continue nurturing the children, on whose shoulders the future of the country rests.

In conclusion, he said Maxam Ghana Limited will embark on a project that will support the Center in the future.

Reverend Father Peter Saviour, who is the Director of the Child Protection Center, thanked Maxam Ghana Limited for their gesture, saying the children will be glad as they also enjoy this year’s Christmas.

He briefly took some time to explain the operations at the Center, mentioning the Social, Education, Psychology, Moral and Security as the departments that, together, keep the place running in the development of the children.

The Child Protection Center, he said, will happily welcome similar gestures from the general public.

Doing the presentation to the Angel of Hope Orphanage in Tarkwa, Mr. Godfred Osei Mensah, HSEQS Manager for Maxam West Africa said the donation formed part of the company’s policy to institutions and communities within its area of operations to help in their developmental efforts.

The caretaker of the orphanage Mrs. Yaa Frimpomaah Arhin, thanked the company for the gesture and appealed for more assistance to enhance the operation of the orphanage.

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