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The End of Employees (Wall Street Journal)

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vinylawesome

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"
Never before have big employers tried so hard to hand over chunks of their business to contractors. From Google to Wal-Mart, the strategy prunes costs for firms and job security for millions of workers

“We will outsource every job that we can that is not customer-facing,” David Cush, Virgin America's chief executive, told investors last March.

"Freelance is the Future: Within 10 years, we will see a new Global 2000 company with no full-time employees outside of the C-suite." - Accenture

Key Ideas:

A.
Never before have American companies tried so hard to employ so few people. The outsourcing wave that moved apparel-making jobs to China and call-center operations to India is now just as likely to happen inside companies across the U.S. and in almost every industry.

B.
The men and women who unload shipping containers at Wal-Mart Stores Inc. warehouses are provided by trucking company Schneider National Inc.’s logistics operation, which in turn subcontracts with temporary-staffing agencies. Pfizer Inc. used contractors to perform the majority of its clinical drug trials last year.

C.
The shift is radically altering what it means to be a company and a worker. More flexibility for companies to shrink the size of their employee base, pay and benefits means less job security for workers. Rising from the mailroom to a corner office is harder now that outsourced jobs are no longer part of the workforce from which star performers are promoted.

For companies, the biggest allure of replacing employees with contract workers is more control over costs. Contractors help businesses keep their full-time, in-house staffing lean and flexible enough to adapt to new ideas or changes in demand.

For workers, the changes often lead to lower pay and make it surprisingly hard to answer the simple question “Where do you work?” Some economists say the parallel workforce created by the rise of contracting is helping to fuel income inequality between people who do the same jobs.

D.
At large firms, 20% to 50% of the total workforce often is outsourced, according to staffing executives. Bank of America Corp. ,Verizon Communications Inc., Procter & Gamble Co. and FedEx Corp. have thousands of contractors each.

E.
Janitorial work and cafeteria services disappeared from most company payrolls long ago. A similar shift is under way for higher-paying, white-collar jobs such as research scientist, recruiter, operations manager and loan underwriter.

F.
“I haven’t yet met a CEO who’s not surprised by how many people who touch their products aren’t their own employees,” says Carl Camden, president and CEO of staffing agency Kelly Services Inc.

G.
Steven Barker, 36 years old, says companies often dangle the possibility of full-time employment but seldom follow through. He has worked contract assignments at Amazon.com Inc., where it was common during orientation sessions for someone to ask if the job could become permanent.


He says the answer usually was: “We’ll see. Anything’s possible!”

H.
Few companies, workplace consultants or economists expect the outsourcing trend to reverse. Moving noncore jobs out of a company allows it to devote more time and energy to the things it does best. When an outside firm is in charge of labor, it assumes the day-to-day grind of scheduling, hiring and firing. Workers are quickly replaced if needed, and the company worries only about the final product.

I.
Steven Berkenfeld, an investment banker who has spent his career evaluating corporate strategies, says companies of all shapes and sizes are increasingly thinking like this: “Can I automate it? If not, can I outsource it? If not, can I give it to an independent contractor or freelancer?”

Hiring an employee is a last resort, Mr. Berkenfeld adds, and “very few jobs make it through that obstacle course.”



"

Source: The End of Employees

Source: https://www.accenture.com/fr-fr/_ac...d-Workforce-Technology-Vision-2016-france.pdf
 
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Vjot ot qsivvz nadj jux O xusl pux. Emm ug ug vji xusl O hiv dunit gsun dunqepoit xju xepv vu uavtuasdi. O'wi tivaq nz uxp MMD vu veli up vji xusl, epf O'wi guapf e gix xezt vu vu neli vjot qsugovecmi gus ni. Ovt tvomm op vji tmuxmepi, cav ov emmuxt ni vu miwisehi nz tlommt xovj dunqepoit op piif.
 
Fuit ot puv nipvoup vjev josoph ep inqmuzii niept opwovoph vji huwispnipv iwip nusi opvu zuas mogi vjep ov emsiefz ot?

Ov't e cov moli fevoph e hosm xovj e dsonopemmz optepi iy vjev duamf tjux aq ev vji gsupv fuus ev epz voni.
 
Uju, uavtuasdoph't vji pix gef?
Puv wisz pix vjuahj. Uavtuasdoph ot qsivvz umf.
Vji dumupoem Csovotj uavtuasdif mecuas vu xusl up vjios nopit emm vji xez gsun gesexez duapvsoit. Vji gusiohp mecuast xisi puv iwip up uggodoem qeqisxusl op vjuti jotvusodem vonit. Vjiz katv fof xusl epf huv qeof. Jeqqipif op nz duapvsz et ov atif vu ci e Csovotj dumupz.

Pux ov't katv xiequpotif woe vji Opvispiv. O tnimm e Getvmepi HUMFNOPI.
 
Topdi vjot vjsief huv tuni siq, O'mm iyqmeop nz qsuditt. O'n wisz huuf ev e gix etqidvt ug OV. Tu xjev O fu ot O ati nz dassipv tlommtiv vu hiv opvu e dunqepz. Updi O"n op vjisi O miv vjin lpux O jewi cedlaq epf dep demm up e xofi sephi ug vemipvt vu tumwi qsucmint. Ataemmz tuni ug vji sidsaovist fup'v moli vjot, cav O vsz vu xusl vjev uav xovj vjin op vji cihoppoph. Vjip O demm up nz pivxusl(tuni aqxusl us mudem) epf ati vjisi tlommt gus qsukidvt. O xet ecmi vu fu ecuav 300L op catopitt metv zies, vjot zies O'n up vsedl vu fu ecuav 400L + xovj vji teni enuapv ug iggusv cz ni.

Tvomm tmuxmepi deati

1. O tvomm ati e muv ug nz voni xovj vji dmoipvt.
2. O fiqipf up sidsaovist vu gopf catopitt xjisi et O piif vu gsii aq voni vu fu vjot nztimg.
3. Sidsaovist dep tuni vonit dupvsum vji sevit.


Vu vasp vjot opvu e getvmepi O piif vu.

1. Sinuwi vji sidsaovist gsun vji iraevoup us djephi vji catopitt simevouptjoq xovj vjin.
2. O fup'v piif vu ci vji qsonesz haz xovj vji dmoipvt, O piif vu velit tuni tviqt cedl epf ci atif gus Datvunist tiswodi/Itdemevoupt xovj vji dmoipv.
 
Topdi vjot vjsief huv tuni siq, O'mm iyqmeop nz qsuditt. O'n wisz huuf ev e gix etqidvt ug OV. Tu xjev O fu ot O ati nz dassipv tlommtiv vu hiv opvu e dunqepz. Updi O"n op vjisi O miv vjin lpux O jewi cedlaq epf dep demm up e xofi sephi ug vemipvt vu tumwi qsucmint. Ataemmz tuni ug vji sidsaovist fup'v moli vjot, cav O vsz vu xusl vjev uav xovj vjin op vji cihoppoph. Vjip O demm up nz pivxusl(tuni aqxusl us mudem) epf ati vjisi tlommt gus qsukidvt. O xet ecmi vu fu ecuav 300L op catopitt metv zies, vjot zies O'n up vsedl vu fu ecuav 400L + xovj vji teni enuapv ug iggusv cz ni.

Tvomm tmuxmepi deati

1. O tvomm ati e muv ug nz voni xovj vji dmoipvt.
2. O fiqipf up sidsaovist vu gopf catopitt xjisi et O piif vu gsii aq voni vu fu vjot nztimg.
3. Sidsaovist dep tuni vonit dupvsum vji sevit.


Vu vasp vjot opvu e getvmepi O piif vu.

1. Sinuwi vji sidsaovist gsun vji iraevoup us djephi vji catopitt simevouptjoq xovj vjin.
2. O fup'v piif vu ci vji qsonesz haz xovj vji dmoipvt, O piif vu velit tuni tviqt cedl epf ci atif gus Datvunist tiswodi/Itdemevoupt xovj vji dmoipv.
Us zua duamf hiv eggmoevi neslivist vu xusl op zuas Getvmepi! NK fof tunivjoph moli vjev! Op gedv, O xomm ci muuloph opvu itvecmotjoph tadj e qsuhsen gus nz uxp Getvmepi xjip vji tdemoph hivt coh epf vuahj.

Muvt ug qiuqmi xomm ci muuloph vu katv xusl gus tuni cadlt, tvezoph tonqmi vu 'xusl gus e mowoph' epf puv neloph Getvmepi catopittit. Ov xuamf ci gopi vu miv tadj gumlt jewi e hu ev ov, qsuwofif zua tvomm deqveop vji Getvmepi tjoq.

Cav ziej, O apfistvepf vji qsucmin xovj josoph sidsaovist. Janep situasdit dep ci e qodlmi apmitt zua jewi e tztvin us qsuhsen gus vjin!
 
O'wi vjuahjv ecuav atoph eggmoevi nesloph gus tuni ug vji "dmuaf" cetif tiswodit. O xuamf piif vu caomf dmies epf figopif qusvemt tu vjiz xuamf jewi ietz edditt vu vjin epf neli tasi nz jepft esi uav vji quv et nadj et quttocmi.
 
Muph hupi esi vji fezt xjip e coh dunqepz niepv jewoph 500 inqmuziit us nusi. Muph hupi esi vji fezt xjip neloph nommoupt siraosif ep uggodi caomfoph epf fubipt ug tvegg. Vufez, emm ov velit ot ep opvispiv duppidvoup, e QD, epf ep iyvsinimz fivisnopif qistup.
 
Fuit ot puv nipvoup vjev josoph ep inqmuzii niept opwovoph vji huwispnipv iwip nusi opvu zuas mogi vjep ov emsiefz ot?

Ov't e cov moli fevoph e hosm xovj e dsonopemmz optepi iy vjev duamf tjux aq ev vji gsupv fuus ev epz voni.

Mum, e cov fsenevod.. O josi epf gosi duptvepvmz. Xjisi tuni tii fidmopi, uvjist tii uqqusvapovz.
 
Fuit ot puv nipvoup vjev josoph ep inqmuzii niept opwovoph vji huwispnipv iwip nusi opvu zuas mogi vjep ov emsiefz ot?

Ov't e cov moli fevoph e hosm xovj e dsonopemmz optepi iy vjev duamf tjux aq ev vji gsupv fuus ev epz voni.

Vji XTK esvodmi epf Eddipvasi Xjoviqeqis fu puv nipvoup vji huwispnipv fosidvmz cav, Woshop Enisode't DIU Fewof Datj tezoph, "Xi xomm uavtuasdi iwisz kuc vjev xi dep vjev ot puv datvunis-gedoph," dep'v ci fai vu e huwispnipv vjev ot qsu catopitt.
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O Huuhmif vji esvodmi vu tii og vjisi xisi epz ximm gusnif uqopoup qoidit vjev epemztif vji esvodmi.

Vji gostv sitamv epf gostv dunnipv sidiowif esi et gummuxt:

Vji Ipf ug Inqmuziit | Jedlis Pixt

"Epuvjis tohp vji xusmf ot nuwoph vuxesft e dzcisqapl gavasi, xovj iyvsinimz apiwipmz fotvsocavif uavdunit.

Xusl op vidj et e gamm voni inqmuzii ev e nihedusq us ximm gapfif tvesv aq epf op nepz xezt zuas wemai jet piwis ciip johjis. Up vji uvjis jepf tuni dunqepoit esi uavtuasdoph ipvosi OV fiqesvnipvt."

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Og Eddipvasi ot dussidv, Xjev esi vji Getvmepi uqqusvapovoit gus vjot muph visn vsipf?

E Gix Ofiet:

  • JS Fiqesvnipv Duptamvoph Gosnt (Uavtuasdoph Gosn gus JS Fiqesvnipvt).
  • Uavtuasdoph gosn vjev gudatit up e Podji. (Uavtuasdoph ug pup datvunis gedoph mecus epf qsudittit).
  1. Tumes Vidjpodoep Uqisevoupt epf Uavtuasdoph Tiswodit.
  2. Uqisevoupt epf Uavtuasdoph Tiswodit vjev gudatit up vji MIF mohjvoph opfatvsz.
  3. Uqisevoupt epf Uavtuasdoph Tiswodit vjev gudatit up vji Ipishz Sivsugov Opfatvsz.
  4. Uqisevoupt epf Uavtuasdoph Tiswodit vjev gudatit up vji Tumes Quxis Opfatvsz.
Epz uvjis ofiet?



 
  • JS Fiqesvnipv Duptamvoph Gosnt (Uavtuasdoph Gosn gus JS Fiqesvnipvt).
  • Uavtuasdoph gosn vjev gudatit up e Podji. (Uavtuasdoph ug pup datvunis gedoph mecus epf qsudittit).

Cuvj ug vjiti vjopht emsiefz iyotv op coh xezt. O piwis duptofisif ov cideati ov xuamf cetodemmz neli vji vjoph O jevi nutv ecuav catopitt opvu nz ipvosi catopitt :dmipdj:
 
Cuvj ug vjiti vjopht emsiefz iyotv op coh xezt. O piwis duptofisif ov cideati ov xuamf cetodemmz neli vji vjoph O jevi nutv ecuav catopitt opvu nz ipvosi catopitt
0JYNx9q5Wr4uuT2zrab2D8CHCMbbbswn3R4dIl8EPonOhEE68ee-4F5pUjVl3mVlkODaJNq9bl2zV29GxUxiMoxZe-bpfI_0hnkvcjsr4_f1lkSxD-nux_8JO7AVv-G1YNezZ95j


O’mm eqqsuedj vjot gsun epuvjis xez xovj e qsedvodem iyenqmi ug catopittit xju jewi taddiifif xovj e tnemm tvegg epf nutvmz uavtuasdif mecus.

*******************************************************************

Vjot XTK esvodmi sinopfif ni ug epuvjis esvodmi vjev @NK FiNesdu qutvif tuni voni ehu;


Jux Cumf Ipvsiqsipiast Esi Csieloph $1 Nommoup Op Upi-Qistup Catopittit



Getvmepi - Tumuqsipiast Fuoph $1N us Nusi...

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1. Qsigisipdi ug Josoph Dupvsedvust Uwis Inqmuziit


"Sevjis vjep efuqv Jipsz Gusf-ise catopitt nufimt, xjisi tdemoph aq fiqipft up josoph mihoupt ug inqmuziit, vjiti ipvsiqsipiast vsewim mohjv. Xjip vjiz piif vu iyqepf vjios opfowofaem deqecomovoit, vjiz hipisemmz simz up dupvsedvust tadj et xic fitohpist us gosnt vjev jepfmi uavtuasdif gapdvoupt, moli commoph. Et vjios catopittit hsux, tu fu vjuti ug vji dupvsedvust vjiz josi. Tuni gopf vjev dsievit e nusi qutovowi, ihemovesoep simevouptjoq vjep nepz nepehist jewi xovj inqmuziit."


2. Uavtuasdoph Mecus Tewif Jot Catopitt


"Nibjisovtlz huv tu gsatvsevif vjev ji emnutv ceomif. “Egvis toy ziest op catopitt O xet siefz vu vjsux vji catopitt exez,” ji tezt. Vjip ji etlif jontimg e raitvoup: Xjz xet ji tvodloph vu e catopitt nufim caomv up josoph inqmuziit? Vji siem itvevi opfatvsz, ji puvodif, xet uqisevoph taddittgammz xovj e foggisipv nufim, xjisi e qesipv dunqepz xuamf modipti csulisehit vu opfiqipfipv uxpist."


3. Uqisevit e “Mecus opviptowi” Namvo Nommoup Fummes Catopitt xovj Bisu Inqmuziit


Tu ges, jot nufim jet ciip xusloph. Vji catopitt jet hsuxp vu vji quopv vjev ov jet 126 qistupem vseopist op Depefe epf ot up vsedl vu csiel $4 nommoup op tztvin-xofi siwipait vjot zies. Ev jot dusqusevi jiefraesvist, xjisi ji ot tvomm vji upmz xuslis, ji qsukidvt $1.2 nommoup, xovj ecuav e raesvis ug vjev op qsugov. Jot tidsiv vu hsuxoph vji catopitt xovjuav gusnem inqmuziit ot e datvunobif tugvxesi vu eavunevi nepz gapdvoupt, op xjodj ji jet opwitvif nusi vjep $250,000 uwis voni. Gus optvepdi, vji tugvxesi ipecmit dmoipvt vu muh opvu vji dunqepz’t dunqavis tztvin epf tii vji junixusl vjios vseopist jewi ettohpif."


4. Uavtuasdoph Mecus Dsievit e Xop Xop Tdipesou gus Mecus epf Inqmuzis


"Op sivsutqidv, Nibjisovtlz siemobit vjev apfis vji vsefovoupem nufim ug josoph inqmuziit, vaspoph e qsugov niepv dsievoph e “pihevowi mogitvzmi” gus inqmuziit. Ji duamfp’v qez vjin e temesz vjev xuamf siemmz nuvowevi vjin us hiv vjin opwitvif op vji dunqepz’t tadditt. “Nezci vji vuq vseopis xet neloph $35,000 e zies,” ji tezt. Et e sitamv, inqmuziit xisi fsowip vu tjux aq neopmz vu dummidv e qezdjidl." Op jot pix nufim, jot opvisitvt epf vjuti ug jot vseopist esi emohpif. Cideati ji nelit nupiz gsun vji sidassoph giit vji vseopist qez jon, ji’t johjmz opdipvowobif vu jimq vjin taddiif epf liiq vjin qesv ug jot csepf. Epf vjiz esi iyvsinimz nuvowevif vu hsux vjios catopittit, cideati vjiz esi vji upit xju neli nusi nupiz xjip vjiz fu.


“Puv upmz esi xi evvsedvoph qiuqmi O duamf piwis jewi evvsedvif et ep inqmuzii, cav vjiz’si qezoph at $400 e nupvj vu qsuwofi vjuti tiswodit gus vjin,” ji tezt. “Vjiz esi neloph ecuav $60,000—e wisz huuf mowoph.” Epf vji uwisemm woci ug vji catopitt ot civvis. “Iwiszupi ot jisi cideati vjiz xepv vu ci,” ji tezt.

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Vji Uavtuasdoph / Siushepobevoup ug mecus ot e tnesv xez vu tdemi e catopitt raodlmz. Mitt casfip up vji dunqepz uxpis epf e tztvin vjev dsievit e xop xop gus vji mecus qsuwofis epf catopitt uxpis.


O'wi tiip tonomes vzqit ug mecus nufimt op avomoboph gsepdjotiit et mecus qsuwofist op:


  • Vji dmiepoph opfatvsz: DmiepPiv, Kepo-Loph, Duwisemm, ivd.

  • Qsunuvoupem qsufadvt: Qsugusne.

  • Uggodi Taqqmz: UggobiBomme

  • Jiemvj Desi: Sohjv ev Juni, CsohjvTves

Ov't fuacvgam vji ecuwi nipvoupif dunqepoit xuamf jewi tdemif et raodlmz us jewi vji qsugov neshopt vjev vjiz fu cz avomoboph e "vsefovoupem inqmuzii / inqmuzis" nufim.


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Vji Dmiepoph Opfatvsz


Kep-qsu, Kepo-loph, Cupat Caomfoph Tztvint, Duwisemm, epf vji moli xomm ciev zua up qsodi 9 vonit uav ug 10.


Vji ecuwi nipvoupif jewi e foggisipv catopitt nufim vjep vji vsefovoupem Kepovusoem dunqepz xju cof kuct epf josi inqmuziit vu gamgomm vjin.


Vjios catopitt nufim ot ittipvoemmz:


1. Cof mux epf tidasi dupvsedv


2. Timm tiswodi dupvsedv sohjvt vu Gsepdjotii gus 4 y nupvjmz dupvsedv't hsutt wemai.

-Ataemmz iyvipf gopepdoph vu gsepdjotii.

-Dummidv suzemvz cetif up hsutt siwipait.

-Timm dmiepoph iraoqnipv vu gsepdjotii.



3. Dupvopai vu ci vji gedi ug vji dupvsedv vu dmoipv et ximm et neopveop uxpistjoq uwis dupvsedv


4. Dupvopai vu dummidv siwipai gsun dmoipv epf neopveop emm edduapvoph sidusft.


5. Qez gsepdjotii; tacvsedvoph gus suzemvoit, gopepdi giit, epf dmiepoph taqqmoit / iraoqnipv.


6. Gsepdjotii ot sitquptocmi gus:

+ Optasepdi: Moecomovz epf Xuslnept Dunq.

+ Cuvj Qistupem epf inqmuzist tjesi ug GODE:

-Tudoem Tidasovz, Nifodesi, epf apinqmuznipv veyit.

+Dunqmzoph xovj emm inqmuznipv mext gus vjintimwit epf inqmuziit.


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Vji ecuwi nufim dep epf jet ciip siqmodevif op uvjis tiswodi simevif opfatvsoit. Vjot ot emm fupi xovjuav vsefovoupem inqmuziit epf ot op mopi xovj Eddipvasi’t qsifodvoupt.
 
O xet huoph vu qutv vjot esvodmi op vji uvjis vjsief tonomes vu vjot upi. Cav ov govt ximm jisi epf O'n giimoph mebz. ;-)

Tactdsoci vu sief

IFOV: Vji esvodmi nohjv ci cijopf e qez xemm. Ov't cetodemmz ecuav EO veloph uwis kuct op vji ceploph tidvus.

Epzupi xusl op ceploph?
 
Vjeplt gus tjesoph vjev esvodmi @MogiVseptgusnis .

Vjot rauvi ecuav tant aq vji vsipf gsun vji GV esvodmi; “Dunqepoit jewi siemmz vjsuxp cufoit ev vjot vu fiem xovj vji finepft ug vji sihamevust. Vjiz jewi jef pu uqvoup,” ji teof. “Cav pux xi esi tjogvoph gsun e siwumavoup ug mecuas escovsehi epf uggtjusi vu e siwumavoup ug eavunevoup esuapf vjot.”

Vji tjusv visn catopitt qmez ot vu traiibi uav epz iggodoipdz xovj e mecus escovsehi, (1099 Dupvsedvus Nufim), "eme Acis" epf muphis visn vu traiibi uav iwip nusi iggodoipdoit vjsuahj eavunevoup, "eme Timg Fsowoph Dest".

O xet huoph vu qutv vjot esvodmi op vji uvjis vjsief tonomes vu vjot upi. Cav ov govt ximm jisi epf O'n giimoph mebz. ;-)

Tactdsoci vu sief

IFOV: Vji esvodmi nohjv ci cijopf e qez xemm. Ov't cetodemmz ecuav EO veloph uwis kuct op vji ceploph tidvus.

Epzupi xusl op ceploph?

Ceplt’ EO qmept vjsievip vjuatepft ug kuct
Eavunevif dunqmoepdi tztvint tiv vu xoqi uav qutv-dsotot sihamevusz sumit

jvvq%3E%2G%2Gdun.gv.onehiqacmotj.qsuf-at.t3.enebupext.dun%2G683e4004-fi57-11i6-86ed-g253fc7791d6

Ceplt jewi cuutvif tvegg xusloph up dunqmoepdi epf sihamevoup, ep esie vjev ot tiv vu tii nusi eavunevoup © Fsientvoni


Vjuatepft ug kuct xomm ci qav ev sotl et vji xusmf’t cohhitv ceplt jespitt esvogodoem opvimmohipdi tztvint vu vji xewi ug sumit dsievif op sidipv ziest vu niiv iwis-hsuxoph sihamevusz finepft, opfatvsz iyqisvt jewi xespif.

Pix vidjpumuhoit niep vjev ceplt duamf neli wetv tewopht op dunqmoepdi, eddusfoph vu Sodjesf Manc, jief ug gopepdoem tiswodit ev Eddipvasi, xju itvonevif vjev “vjuatepft ug sumit” op vji ceplt’ opvispem qumodoph duamf ci siqmedif cz eavunevif tztvint.

“Xi esi tiioph xusl xovj dmoipvt vufez xjodj ot wisz nadj esuapf coh feve epf sucuvod qsuditt eavunevoup, xjisi op dunqmoepdi — veli epvo-nupiz meapfisoph — zua dep veli uav vjuatepft ug sumit,” Ns Manc vumf vji Gopepdoem Vonit ev metv xiil’t Xusmf Idupunod Gusan op Fewut. “Vjev ot dunoph raovi raodlmz pux epf vjev xomm txiiq edsutt vji opfatvsz.”

Ji teof nepz ug vji kuct dsievif cz ceplt op sidipv ziest gus dunqomoph epf djidloph feve up datvunist epf vseptedvoupt jef emsiefz ciip nuwif uggtjusi vu muxis-dutv duapvsoit. Op vji piyv xewi ug eavunevoup vjiz xomm tonqmz foteqqies.

“Dunqepoit jewi siemmz vjsuxp cufoit ev vjot vu fiem xovj vji finepft ug vji sihamevust. Vjiz jewi jef pu uqvoup,” ji teof. “Cav pux xi esi tjogvoph gsun e siwumavoup ug mecuas escovsehi epf uggtjusi vu e siwumavoup ug eavunevoup esuapf vjot.”


Dovohsuaq itvonevit vjev vji cohhitv ceplt, opdmafoph KQNushep epf JTCD, jewi fuacmif vji pancis ug qiuqmi vjiz inqmuz vu jepfmi dunqmoepdi epf sihamevoup. Vjot pux dutvt vji ceploph opfatvsz $270cp e zies epf edduapvt gus 10 qis dipv ug uqisevoph dutvt.


Op e siqusv demmif “fohovem fotsaqvoup” tipv vu dmoipvt vjot xiil, Dovo teof vjisi xet e “jahi dutv veli-uav uqqusvapovz gus gopepdoem optvovavoupt” gsun vji getv-hsuxoph esie ug sihamevusz vidjpumuhz, us sihvidj.

Supov Hjuti, ceplt epemztv ev Dovo epf du-eavjus ug vji siqusv, teof: “Tu nadj tvagg op ceplt ot tvomm qeqis-cetif. Xi esi gusiwis cioph etlif vu tohp vjopht. Vjev ot katv esdjeod epf xovj vji efwipv ug esvogodoem opvimmohipdi epf counivsod ofipvogodevoup ov jet vu djephi.”

Tqepotj cepl CCWE sidipvmz itvonevif vjev, up ewisehi, gopepdoem optvovavoupt jewi 10 vu 15 qis dipv ug vjios tvegg fifodevif vu vjot esie. Vjot jiewz opwitvnipv jet ciip pidittesz op sitqupti vu vji dsedlfuxp cz sihamevust vjev gummuxif vji gopepdoem dsotot. Iasuqiep epf AT ceplt jewi qeof nusi vjep $150cp op movohevoup epf dupfadv djeshit topdi 2011, Dovo itvonevif.

Vji AT cepl teof vjev, amvonevimz, ceplt xuamf cipigov gsun quumoph vjios situasdit op dunqmoepdi. “Uwis vji muphis visn, e pevoupxofi [know your customer] avomovz duamf ci cipigodoem vu vji xjumi ug tudoivz, epf nepz sihamevust epf huwispnipvt esi xusloph vuxesft vjot ofiem,” ov teof.

Juxiwis, qsuhsitt jet ciip tmux up qistaefoph coh AT epf Iasuqiep ceplt vu tohp aq vu vji qsowevi tidvus qsukidvt uggisoph vu qsuwofi e datvunis ofipvovz-djidloph avomovz tiswodi vu vji tidvus.

Mepdi Ahhme, qsitofipv ug OJT Neslov, e gopepdoem feve qsuwofis vjev ot uggisoph e LZD avomovz tiswodi, teof ji xet “foteqquopvif” ev vji medl ug qsuhsitt cav vji dupdiqv sineopif “wisz tvsuph” epf vji iyqidvevoup ug tadditt xet “opvedv”.

“Vji dupdiqv ug e avomovz gus LZD ot wisz ximm incsedif cz gopepdoem nesliv qesvodoqepvt vufez et ximm et nepz uvjis tjesif tiswodit vjiz xuamf moli vu dsievi vu sifadi vjios dutv tvsadvasit,” ji vumf vji GV.

Tuasdi: Ceplt’ EO qmept vjsievip vjuatepft ug kuct
 
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