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  • [Solved] Business Finance – Accounting Assignment 6

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    [>Accounting homework help](https://www.sweetstudy.com/fields/business-finance-accounting) Write a 2–4 page research topic proposal Identify a Research Question Provide a Brief Literature Review Outline Methodologies or Approaches Detailed instruction is attached – [\ \ Writing.docx](https://www.s…

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    Assignment Prompt & Instructions

    [>Accounting homework help](https://www.sweetstudy.com/fields/business-finance-accounting)

    Write a 2–4 page research topic proposal

    Identify a Research Question

    Provide a Brief Literature Review

    Outline Methodologies or Approaches

    Detailed instruction is attached

    – [\
    \
    Writing.docx](https://www.sweetstudy.com/files/writing-docx-10495141 "Writing.docx")

  • [Solved] Death and dying poster

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    In-depth study guidance and analytical solution covering Death and dying poster.

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    Assignment Prompt & Instructions

    Full assignment prompt and step-by-step guidance are included in the downloadable solution file.

  • [Solved] DSRT-736: Dissertation Seminar: 5.1 – Introduction, Search Strategy, and Headings

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    **Overview:** The introduction to the literature review describes the overall topics of the literature review, the search strategy for finding the topics and sub-topics, and provides a transition into the rest of the chapter. **Directions:** 1. Locate the dissertation template for your specific rese…

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    Assignment Prompt & Instructions

    **Overview:** The introduction to the literature review describes the overall topics of the literature review, the search strategy for finding the topics and sub-topics, and provides a transition into the rest of the chapter.

    **Directions:**

    1. Locate the dissertation template for your specific research methodology (refer to the attached template) and write a **minimum of 5-pages** to develop an introduction for Chapter Two, including the following:
    2. Clearly explain the overall research topic.
    3. Literature gathering process known as the Search Strategy.
    4. The scope and organization of the literature review.
    5. The introduction should conclude with a paragraph that describes the sequence of the literature you will include and the literature analysis process.
    6. After the introduction, you should incorporate possible headings/subheadings that you plan to cover and **include at least 20 possible scholarly references. To help you with headings and subheadings, please review APA 2.26 & 2.27.**

    _**Tip:**_ _Use past tense when discussing previous research studies. Example: Smith (2024) discussed……._

    _**Notes:**_

    – Information is drawn from recent, credible sources, critically analyzed, synthesized, and presented with clear organization. More than 50% of sources are within the past 5 years. The writing is coherent, showing clear alignment with the research focus and dissertation topic.

    – Fully meets all assignment requirements as outlined in the doctoral research handbook, with comprehensive attention to each specified area. Demonstrates strong alignment with the dissertation’s broader sections, as applicable, showing thoughtful integration and cohesion.

    –  Demonstrates a professional level of skills associated with grammar, spelling, syntax, verb tense, (past), objective point of view, and scholarly voice. Rules of grammar, usage and punctuation are followed; spelling is correct. Language is clear and precise; sentences display consistently strong, varied structure.

    –  Consistently adheres to 7th edition APA guidelines in in-text citations, references, tables, and dissertation formatting. Minimal to no errors, reflecting graduate-level attention to detail.

    _-_ _**plagiarism check required, AI check required, APA7 format, include References – Only journals, within 8hrs**_

    – [\
    \
    UC-Dissertation-Template–APA-7th-Ed.-QualitativeV5.30.24.docx](https://www.sweetstudy.com/files/uc-dissertation-template-apa-7th-ed-qualitativev5-30-24-docx-10494985 "UC-Dissertation-Template–APA-7th-Ed.-QualitativeV5.30.24.docx")

  • [Solved] due 2/8

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    **files (1)** – ## PurposeofAssignment.docx **## PurposeofAssignment.docx** **Purpose of Assignment:** Nurses encounter ethical issues in practice. Nurses need to be aware of currently relevant ethical issues, how the problems affect nursing practice, and how to address the problems. **Course Compet…

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    Assignment Prompt & Instructions

    **files (1)**

    – ## PurposeofAssignment.docx

    **## PurposeofAssignment.docx**

    **Purpose of Assignment:**

    Nurses encounter ethical issues in practice. Nurses need to be aware of currently relevant ethical issues, how the problems affect nursing practice, and how to address the problems.

    **Course Competency:**

    · Critique ethical issues in current nursing practice.

    **Scenario:**

    You recently discovered that a group of nurses from your community meet once a month to discuss current issues in nursing. Recognizing the value of collaborating with other nursing professionals, you've inquired about joining the group. The group's leader has asked you to write an essay for the group to discuss in next month's meeting.

    **Instructions:**

    The group leader has asked that your submission address the following:

    1. Locate an article/resource related to a current ethical issue in nursing or healthcare. You may use any of the items described below:

    · news article

    · journal article

    · pending legislation at the state or federal level

    · information from national nursing or specialty organizations

    1. Summarize the article/resource.

    2. Discuss how the ethical issue featured in the article/resource may impact nursing practice or healthcare.

    3. Describe how the influence of nurses could help address the issue.

    4. Provide an APA formatted reference for the article/resource.

    **Resources:**

    · For assistance finding a newspaper article, please read the Library Answer to:
    [How do I find newspaper articles?](http://rasmussen.libanswers.com/faq/32454)

    · For assistance with writing a summary, please read the Library Answer to:
    [What is a summary? How do I write one?](https://rasmussen.libanswers.com/faq/316588)

    · For additional APA assistance, please
    [visit the Rasmussen APA Guide](https://guides.rasmussen.edu/apa).

    **## PurposeofAssignment.docx**

    **Purpose of Assignment:**

    Nurses encounter ethical issues in practice. Nurses need to be aware of currently relevant ethical issues, how the problems affect nursing practice, and how to address the problems.

    **Course Competency:**

    · Critique ethical issues in current nursing practice.

    **Scenario:**

    You recently discovered that a group of nurses from your community meet once a month to discuss current issues in nursing. Recognizing the value of collaborating with other nursing professionals, you've inquired about joining the group. The group's leader has asked you to write an essay for the group to discuss in next month's meeting.

    **Instructions:**

    The group leader has asked that your submission address the following:

    1. Locate an article/resource related to a current ethical issue in nursing or healthcare. You may use any of the items described below:

    · news article

    · journal article

    · pending legislation at the state or federal level

    · information from national nursing or specialty organizations

    1. Summarize the article/resource.

    2. Discuss how the ethical issue featured in the article/resource may impact nursing practice or healthcare.

    3. Describe how the influence of nurses could help address the issue.

    4. Provide an APA formatted reference for the article/resource.

    **Resources:**

    · For assistance finding a newspaper article, please read the Library Answer to:
    [How do I find newspaper articles?](http://rasmussen.libanswers.com/faq/32454)

    · For assistance with writing a summary, please read the Library Answer to:
    [What is a summary? How do I write one?](https://rasmussen.libanswers.com/faq/316588)

    · For additional APA assistance, please
    [visit the Rasmussen APA Guide](https://guides.rasmussen.edu/apa).

  • [Solved] edu 535 week 6 discussion

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    You have been hired to help develop a training program for your organization or institution, including: – Onboarding for new employees centered on HR topics such as payroll, clocking in and out as appropriate, company culture, and emergency contacts. – Compliance classes about sexual harassment, wor…

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    Assignment Prompt & Instructions

    You have been hired to help develop a training program for your organization or institution, including:

    – Onboarding for new employees centered on HR topics such as payroll, clocking in and out as appropriate, company culture, and emergency contacts.
    – Compliance classes about sexual harassment, work safety, and OSHA standards.
    – Proprietary systems used by the company.
    – Communication protocols.

    You must also develop a needs analysis and determine your learning methods and models.

    For this discussion, please complete the following:

    – Choose one topic from the list above.
    – Create a five-question needs analysis.
    – Connect the needs analysis to your chosen learning methods and models.

  • [Solved] Education edwards. Discussion of the Juvenile Courtroom Actors Assignment

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    Please see attachment any use of AI will result in automatic 0 **files (1)** – ## ResearchPaperDiscussionoftheJuvenileCourtroomActors2.docx **## ResearchPaperDiscussionoftheJuvenileCourtroomActors2.docx** | | | | | — | — | — | | | | CJUS 702 | **Research Paper: Discussion of the Juvenile Court…

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    Assignment Prompt & Instructions

    Please see attachment any use of AI will result in automatic 0

    **files (1)**

    – ## ResearchPaperDiscussionoftheJuvenileCourtroomActors2.docx

    **## ResearchPaperDiscussionoftheJuvenileCourtroomActors2.docx**

    | | | |
    | — | — | — |
    | | | CJUS 702 |

    **Research Paper: Discussion of the Juvenile Courtroom Actors**

    Overview

    In this assignment, you will apply the Learn material in a meaningful way to clarify your understanding of the juvenile courtroom actors. Examples of various actors includes the roles of the prosecutor and defense counsel. Also, why is there a need for legal representatives for both sides in contemporary juvenile court system Additionally, what are the advantages and disadvantages of the judge as lawgiver and parent figure? The purpose of this assignment will give you the opportunity to apply Learn material in a meaningful essay application.

    Instructions

    Your essay discusses the roles of the prosecutor and defense counsel in juvenile court. Why is the presence of legal representatives for both sides crucial in contemporary juvenile court system? Additionally, what are the advantages and disadvantages of the judge as lawgiver and parent figure:

    · The length of your assignment is four pages.

    · This assignment requires a title page, abstract, reference section, all of which are not included in the page count.

    · Your essay format is APA

    · See the assignment rubric for further details of assignment including reference requirements.

    · Peer-reviewed scholarly resources (should be within five years when possible).

    Note: Your assignment will be checked for originality via the Turnitin plagiarism tool.

    **## ResearchPaperDiscussionoftheJuvenileCourtroomActors2.docx**

    | | | |
    | — | — | — |
    | | | CJUS 702 |

    **Research Paper: Discussion of the Juvenile Courtroom Actors**

    Overview

    In this assignment, you will apply the Learn material in a meaningful way to clarify your understanding of the juvenile courtroom actors. Examples of various actors includes the roles of the prosecutor and defense counsel. Also, why is there a need for legal representatives for both sides in contemporary juvenile court system Additionally, what are the advantages and disadvantages of the judge as lawgiver and parent figure? The purpose of this assignment will give you the opportunity to apply Learn material in a meaningful essay application.

    Instructions

    Your essay discusses the roles of the prosecutor and defense counsel in juvenile court. Why is the presence of legal representatives for both sides crucial in contemporary juvenile court system? Additionally, what are the advantages and disadvantages of the judge as lawgiver and parent figure:

    · The length of your assignment is four pages.

    · This assignment requires a title page, abstract, reference section, all of which are not included in the page count.

    · Your essay format is APA

    · See the assignment rubric for further details of assignment including reference requirements.

    · Peer-reviewed scholarly resources (should be within five years when possible).

    Note: Your assignment will be checked for originality via the Turnitin plagiarism tool.

  • [Solved] EXP A3

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    A2 is a completed assignment. A2 has to be reviewed in order to complete A3. **files (2)** – ## _A3TemplateFIS.docx – ## EXPA2completed.docx **## _A3TemplateFIS.docx** Student Name: firstName lastName [A3 – Assignment 3] Create Personas and User Stories based on your interview. This is another a…

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    Assignment Prompt & Instructions

    A2 is a completed assignment. A2 has to be reviewed in order to complete A3.

    **files (2)**

    – ## _A3TemplateFIS.docx

    – ## EXPA2completed.docx

    **## _A3TemplateFIS.docx**

    Student Name: firstName lastName

    [A3 – Assignment 3]

    Create Personas and User Stories based on your interview. This is another application of the Empathize step in the Design Thinking framework. Here, you restate or depict the client needs you heard in the form of Personas and User Stories, articulating them in an easier-to-understand format for the business users/clients. The learning objective is to reflect your understanding of the client’s needs in vivid and structured personas and user stories. [Instructions: Use “A3 Template” for this assignment. The template is in the “Class Resources” folder of the class website. There is a 50% penalty for not using the template.]

    i.
    Research and write what the Design Thinking framework says about Personas and User Stories.

    a. Your Persona definitions must include a name, a role, and pain points. [Your answer here …]

    b. Your User Story definitions must include a persona name, the actions the Persona wishes to perform, and the Persona’s goal. [Your answer here …]

    ii. Interview recap. Refer to your client interview in A2 and recapitulate your A2 interview by providing the company name (who you interviewed), the primary company product/service (what they do), the company’s Fintech need (what business goal the company wishes to achieve with the Fintech product/service), and the decision-making role of the person you interviewed.

    a. Company name: [Your answer here …]

    b. Company product/service: [Your answer here …]

    c. Fintech need: [Your answer here …]

    d. Interviewee role: [Your answer here …]

    iii. Identify pain points for three Personas. Write the Persona’s name, role, and pain points in the User Stories. Pain points are the problems or issues that the Persona would like you to solve for them. A user story is a general explanation of a software feature written from the perspective of the end user. Write the user story from the user's perspective and follow the format: “As [a user persona], I want [to perform this action] so that [I can accomplish this goal].” The user’s actions are intended to solve the Persona’s pain points. The learning objective is to create an appropriate Persona to depict the client’s market, represent the client's pain points in the intended actions, and confirm that the client's pain point is removed when the goal is accomplished.

    a. Persona 1, User Story 1. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    b. Persona 2, User Story 2. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    c. Persona 3, User Story 3. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    iv. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    a. Based on what you learn in this assignment, write a one-paragraph research methodology on the Design Thinking framework approach of Personas and User Stories.

    [Your answer here …]

    b. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research methods.

    [Your answer here …]

    v. Confirm your assignment is named “A3 first & last name” and submitted at the following three locations:

    a. Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    b. Group locker: Share with your group and engage in group discussions and brainstorming.

    c. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    vi. Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    a. Template: “A3 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A3 Template”, save it as “A3 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to follow the template.

    b. Submission: Confirm your submission in the three locations mentioned above: group discussion, group locker, and assignment link. There is a 50% penalty (-50 points) for failure to follow these submission instructions.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 3 (A3)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission highlights the client’s pain points articulated in the form of Personas and User Stories. | 10 | |
    | The pain points are derived from the interviews, and they reflect the business’s Fintech needs. The Personas and User Stories capture the Design Thinking framework's goal of the Voice of the Customer. | 30 | |
    | The submission has captured the client’s need in a pain point, identified a solution action to address the pain point, and the goal confirms that the pain point will be removed. | 30 | |
    | The submission has articulated an academic research method, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to adhere to the template.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## EXPA2completed.docx**

    Student Name:

    [A2 – Assignment 2]

    Develop Fintech needs for a business. This is the Empathize step of the Design Thinking framework. Here, you put yourself in the client’s shoes and learn about their needs. Identify a business from your network or visit a local business in your neighborhood. Introduce yourself as a student researcher learning about Fintech payments. Describe what you are learning about Fintech and inquire about their willingness to help with your school project, if they are using Fintech products/services, why (why not), their business input, operation, and output, their customers, growth plans, and challenges. Your learning objective is to assess the Fintech needs of a business. [Instructions: Use “A2 Template” for this assignment. The template is in the “Class Resources” folder in D2L. There is a 50% penalty for not using the template.]

    a. Describe the business you selected and interviewed.

    i. Business name

    Worldpay

    ii. Describe the primary products/services of the business

    Worldpay provides payment services that enables them to accept payments domestically and internationally.

    iii. Describe the interview setup (at the office, in Teams, etc.).

    The interview was conducted during a lunch meeting in Atlantic Station

    iv. Describe the person(s) you interviewed. What is the job role of the interviewee? What role in making decisions does the interviewee have in the company’s Fintech products/services?

    The person I interviewed is Ericka Sampey, a Senior Fraud Detection Analyst. Ericka’s role involves reviewing transactions that flag for potential fraud. Once flagged, a review is completed that includes reaching out to the business to uncover details. The goal is to determine if the transaction is a risk not only to the business but to Worldpay as well.

    b. Research and write what the Design Thinking framework says about the Empathize step.

    Empathize is the first step in the Design Thinking process. This step is used to develop an understanding of the problem you are trying to solve. Empathy allows businesses to focus more on the needs of your clients rather than internal assumptions. This step is crucial to business development and problem solving.

    c. Empathize 1 – views from the perspective of the business you interviewed. Write what you learned about their Fintech products/services, customers, and competitors.

    i. What are the company’s primary Fintech products/services, and how are they used in the business operations?

    The primary Fintech product Worldpay offers is merchant services, which allows business to accept payments for goods and/or services.

    ii. Who are the company’s customers and what is the role of Fintech products/services in their customer interactions?

    Worldpay’s customer base is mostly small businesses, but they have relationships with larger corporations as well. These were not provided in the interview for privacy reasons.

    iii. Who are the company’s competitors and what is the role of Fintech products/services among competitors?

    Some of Worldpay’s competitors would be Stripe, PayPal and Square. These companies also provide merchant services to clients and in many cases the competition is centered around pricing, fees, and fraud prevention.

    d. Empathize 2 – views from the perspective of the business you interviewed. Write what you learned about how Fintech products/services are used in their business. Discuss in terms of the business inputs, processes, outputs, growth projections, and performance improvements.

    i. Describe how Fintech products/services support the input, process, and output of the business.

    The FinTech product examined is merchant payment processing with built-in fraud monitoring. The inputs include customer payment information such as card details, transaction amounts, and basic transaction data submitted at checkout. These inputs move through automated processes that include transaction authorization, fraud checks, and risk review. The outputs are approved or declined transactions, settlement of funds to the merchant, and transaction reporting. This service supports business operations by allowing payments to be processed quickly while reducing fraud risk and limiting the need for manual review.

    ii. What are the company’s growth projections, and what role do Fintech products/services play in the anticipated growth projections?

    Growth for this payment and fraud-prevention service is driven by increased use of digital and online payments. As more transactions are processed electronically, FinTech tools allow the service to handle higher volumes while maintaining security and reliability. Scalable systems and automated fraud tools support continued use of the service as transaction activity increases.

    iii. What are the company’s plans to improve performance, and what role do Fintech products/services play in the planned performance improvements?

    Performance improvements for this service focus on improving speed, fraud detection and accuracy of approvals. FinTech tools such as real-time monitoring and data analysis help reduce false declines and improve the overall payment experience. These improvements support both merchants and customers by allowing legitimate transactions to process smoothly while blocking fraudulent activity.

    e.
    Empathize 3 – views from the perspective of the business you interviewed. Write what you learned about innovation in their sector, opportunities and challenges, and a Fintech vision.

    i. What are the Fintech innovations in their business sector, and what role do these innovations play in the company’s business processes?

    FinTech innovations related to this service include real-time payment processing and automated fraud monitoring. These innovations allow transactions to be reviewed and approved quickly while continuously monitoring suspicious activity. This reduces delays in payment processing and strengthens security for merchants and customers.

    ii.
    List the Fintech opportunities and challenges in their business sector and describe the anticipated impact of these opportunities and challenges on the company’s business processes.

    Opportunities for this service include continued growth in online payments and improvements in fraud prevention technology. Challenges include increasing fraud attempts and the need to keep systems updated as payment methods and regulations change. These challenges affect how efficiently and securely payments are processed.

    iii.
    Ask about their Fintech vision and write what you learned. Note: write their answer and your reflection on how their vision helped you further understand the client’s Fintech product/service needs.

    In the interview, Ericka explained that the vision for this payment and fraud prevention service is to provide secure and reliable transactions that are easy for businesses to use.

    This response helped me better understand that the service is designed to support everyday payment activity while protecting both merchants and customers from fraud. It reinforced that security and simplicity are key goals of the product.

    f. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    i. Based on what you learn in this assignment, write a research question on the Fintech customer’s/ competitor’s behavior, business processes, or sector innovations.

    How does Worldpay’s payment and fraud-prevention technologies influence customer behavior and competition in the payment processing industry?

    ii. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research question.

    Worldpay. (2024). Fraud prevention solutions

    [https://www.worldpay.com/en/products/fraud-prevention](https://www.worldpay.com/en/products/fraud-prevention)

    This source explains how Worldpay uses machine learning tools and real time monitoring to reduce fraud and improve transaction approval rates. It supports understanding how FinTech innovations influence customer trust, payment reliability, and operational efficiency.

    Worldpay. (2024). Worldpay receives top ranking in e-commerce technology.

    [https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology](https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology)

    This press release highlights Worldpay’s leadership in e-commerce payment innovation. It provides insight into how FinTech investments strengthens competitive positioning and shapes customer expectations in the global payment processing industry.

    Fintech Magazine. (2025). Top 10: payment processors.

    [https://fintechmagazine.com/top10/top-10-payment-processors](https://fintechmagazine.com/top10/top-10-payment-processors)

    This article ranks the leading payment processors globally. It explains how industry consolidation and technology investments shape competitive dynamics. The article supports understanding how customer preferences and innovation influence business strategy and rivalry in the FinTech payments industry.

    g.
    Confirm your assignment is named “A2 first & last name” and submitted at the following three locations:

    i.
    Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    ii. Group locker: Share with your group and engage in group discussions and brainstorming.

    iii. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    h.
    Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    i. Template: “A2 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A2 Template”, save it as “A2 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to adhere to the template.

    ii. Submission: confirm your submission in the three locations noted above: group discussion, group locker, and assignment link. There is a 50-point (-50 points) penalty for failure to follow this submission instruction.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 2 (A2)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission has captured the spirit of the Empathize step in the Design Thinking framework. | 10 | |
    | The submission has clearly identified the customers and the business processes (inputs, processes, and outputs) of the identified products and services. | 30 | |
    | The submission has defined the innovations and created a forward-looking Fintech vision. | 30 | |
    | The submission has articulated an academic research question, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to follow this instruction.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## EXPA2completed.docx**

    Student Name:

    [A2 – Assignment 2]

    Develop Fintech needs for a business. This is the Empathize step of the Design Thinking framework. Here, you put yourself in the client’s shoes and learn about their needs. Identify a business from your network or visit a local business in your neighborhood. Introduce yourself as a student researcher learning about Fintech payments. Describe what you are learning about Fintech and inquire about their willingness to help with your school project, if they are using Fintech products/services, why (why not), their business input, operation, and output, their customers, growth plans, and challenges. Your learning objective is to assess the Fintech needs of a business. [Instructions: Use “A2 Template” for this assignment. The template is in the “Class Resources” folder in D2L. There is a 50% penalty for not using the template.]

    a. Describe the business you selected and interviewed.

    i. Business name

    Worldpay

    ii. Describe the primary products/services of the business

    Worldpay provides payment services that enables them to accept payments domestically and internationally.

    iii. Describe the interview setup (at the office, in Teams, etc.).

    The interview was conducted during a lunch meeting in Atlantic Station

    iv. Describe the person(s) you interviewed. What is the job role of the interviewee? What role in making decisions does the interviewee have in the company’s Fintech products/services?

    The person I interviewed is Ericka Sampey, a Senior Fraud Detection Analyst. Ericka’s role involves reviewing transactions that flag for potential fraud. Once flagged, a review is completed that includes reaching out to the business to uncover details. The goal is to determine if the transaction is a risk not only to the business but to Worldpay as well.

    b. Research and write what the Design Thinking framework says about the Empathize step.

    Empathize is the first step in the Design Thinking process. This step is used to develop an understanding of the problem you are trying to solve. Empathy allows businesses to focus more on the needs of your clients rather than internal assumptions. This step is crucial to business development and problem solving.

    c. Empathize 1 – views from the perspective of the business you interviewed. Write what you learned about their Fintech products/services, customers, and competitors.

    i. What are the company’s primary Fintech products/services, and how are they used in the business operations?

    The primary Fintech product Worldpay offers is merchant services, which allows business to accept payments for goods and/or services.

    ii. Who are the company’s customers and what is the role of Fintech products/services in their customer interactions?

    Worldpay’s customer base is mostly small businesses, but they have relationships with larger corporations as well. These were not provided in the interview for privacy reasons.

    iii. Who are the company’s competitors and what is the role of Fintech products/services among competitors?

    Some of Worldpay’s competitors would be Stripe, PayPal and Square. These companies also provide merchant services to clients and in many cases the competition is centered around pricing, fees, and fraud prevention.

    d. Empathize 2 – views from the perspective of the business you interviewed. Write what you learned about how Fintech products/services are used in their business. Discuss in terms of the business inputs, processes, outputs, growth projections, and performance improvements.

    i. Describe how Fintech products/services support the input, process, and output of the business.

    The FinTech product examined is merchant payment processing with built-in fraud monitoring. The inputs include customer payment information such as card details, transaction amounts, and basic transaction data submitted at checkout. These inputs move through automated processes that include transaction authorization, fraud checks, and risk review. The outputs are approved or declined transactions, settlement of funds to the merchant, and transaction reporting. This service supports business operations by allowing payments to be processed quickly while reducing fraud risk and limiting the need for manual review.

    ii. What are the company’s growth projections, and what role do Fintech products/services play in the anticipated growth projections?

    Growth for this payment and fraud-prevention service is driven by increased use of digital and online payments. As more transactions are processed electronically, FinTech tools allow the service to handle higher volumes while maintaining security and reliability. Scalable systems and automated fraud tools support continued use of the service as transaction activity increases.

    iii. What are the company’s plans to improve performance, and what role do Fintech products/services play in the planned performance improvements?

    Performance improvements for this service focus on improving speed, fraud detection and accuracy of approvals. FinTech tools such as real-time monitoring and data analysis help reduce false declines and improve the overall payment experience. These improvements support both merchants and customers by allowing legitimate transactions to process smoothly while blocking fraudulent activity.

    e.
    Empathize 3 – views from the perspective of the business you interviewed. Write what you learned about innovation in their sector, opportunities and challenges, and a Fintech vision.

    i. What are the Fintech innovations in their business sector, and what role do these innovations play in the company’s business processes?

    FinTech innovations related to this service include real-time payment processing and automated fraud monitoring. These innovations allow transactions to be reviewed and approved quickly while continuously monitoring suspicious activity. This reduces delays in payment processing and strengthens security for merchants and customers.

    ii.
    List the Fintech opportunities and challenges in their business sector and describe the anticipated impact of these opportunities and challenges on the company’s business processes.

    Opportunities for this service include continued growth in online payments and improvements in fraud prevention technology. Challenges include increasing fraud attempts and the need to keep systems updated as payment methods and regulations change. These challenges affect how efficiently and securely payments are processed.

    iii.
    Ask about their Fintech vision and write what you learned. Note: write their answer and your reflection on how their vision helped you further understand the client’s Fintech product/service needs.

    In the interview, Ericka explained that the vision for this payment and fraud prevention service is to provide secure and reliable transactions that are easy for businesses to use.

    This response helped me better understand that the service is designed to support everyday payment activity while protecting both merchants and customers from fraud. It reinforced that security and simplicity are key goals of the product.

    f. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    i. Based on what you learn in this assignment, write a research question on the Fintech customer’s/ competitor’s behavior, business processes, or sector innovations.

    How does Worldpay’s payment and fraud-prevention technologies influence customer behavior and competition in the payment processing industry?

    ii. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research question.

    Worldpay. (2024). Fraud prevention solutions

    [https://www.worldpay.com/en/products/fraud-prevention](https://www.worldpay.com/en/products/fraud-prevention)

    This source explains how Worldpay uses machine learning tools and real time monitoring to reduce fraud and improve transaction approval rates. It supports understanding how FinTech innovations influence customer trust, payment reliability, and operational efficiency.

    Worldpay. (2024). Worldpay receives top ranking in e-commerce technology.

    [https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology](https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology)

    This press release highlights Worldpay’s leadership in e-commerce payment innovation. It provides insight into how FinTech investments strengthens competitive positioning and shapes customer expectations in the global payment processing industry.

    Fintech Magazine. (2025). Top 10: payment processors.

    [https://fintechmagazine.com/top10/top-10-payment-processors](https://fintechmagazine.com/top10/top-10-payment-processors)

    This article ranks the leading payment processors globally. It explains how industry consolidation and technology investments shape competitive dynamics. The article supports understanding how customer preferences and innovation influence business strategy and rivalry in the FinTech payments industry.

    g.
    Confirm your assignment is named “A2 first & last name” and submitted at the following three locations:

    i.
    Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    ii. Group locker: Share with your group and engage in group discussions and brainstorming.

    iii. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    h.
    Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    i. Template: “A2 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A2 Template”, save it as “A2 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to adhere to the template.

    ii. Submission: confirm your submission in the three locations noted above: group discussion, group locker, and assignment link. There is a 50-point (-50 points) penalty for failure to follow this submission instruction.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 2 (A2)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission has captured the spirit of the Empathize step in the Design Thinking framework. | 10 | |
    | The submission has clearly identified the customers and the business processes (inputs, processes, and outputs) of the identified products and services. | 30 | |
    | The submission has defined the innovations and created a forward-looking Fintech vision. | 30 | |
    | The submission has articulated an academic research question, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to follow this instruction.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## _A3TemplateFIS.docx**

    Student Name: firstName lastName

    [A3 – Assignment 3]

    Create Personas and User Stories based on your interview. This is another application of the Empathize step in the Design Thinking framework. Here, you restate or depict the client needs you heard in the form of Personas and User Stories, articulating them in an easier-to-understand format for the business users/clients. The learning objective is to reflect your understanding of the client’s needs in vivid and structured personas and user stories. [Instructions: Use “A3 Template” for this assignment. The template is in the “Class Resources” folder of the class website. There is a 50% penalty for not using the template.]

    i.
    Research and write what the Design Thinking framework says about Personas and User Stories.

    a. Your Persona definitions must include a name, a role, and pain points. [Your answer here …]

    b. Your User Story definitions must include a persona name, the actions the Persona wishes to perform, and the Persona’s goal. [Your answer here …]

    ii. Interview recap. Refer to your client interview in A2 and recapitulate your A2 interview by providing the company name (who you interviewed), the primary company product/service (what they do), the company’s Fintech need (what business goal the company wishes to achieve with the Fintech product/service), and the decision-making role of the person you interviewed.

    a. Company name: [Your answer here …]

    b. Company product/service: [Your answer here …]

    c. Fintech need: [Your answer here …]

    d. Interviewee role: [Your answer here …]

    iii. Identify pain points for three Personas. Write the Persona’s name, role, and pain points in the User Stories. Pain points are the problems or issues that the Persona would like you to solve for them. A user story is a general explanation of a software feature written from the perspective of the end user. Write the user story from the user's perspective and follow the format: “As [a user persona], I want [to perform this action] so that [I can accomplish this goal].” The user’s actions are intended to solve the Persona’s pain points. The learning objective is to create an appropriate Persona to depict the client’s market, represent the client's pain points in the intended actions, and confirm that the client's pain point is removed when the goal is accomplished.

    a. Persona 1, User Story 1. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    b. Persona 2, User Story 2. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    c. Persona 3, User Story 3. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    iv. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    a. Based on what you learn in this assignment, write a one-paragraph research methodology on the Design Thinking framework approach of Personas and User Stories.

    [Your answer here …]

    b. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research methods.

    [Your answer here …]

    v. Confirm your assignment is named “A3 first & last name” and submitted at the following three locations:

    a. Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    b. Group locker: Share with your group and engage in group discussions and brainstorming.

    c. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    vi. Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    a. Template: “A3 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A3 Template”, save it as “A3 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to follow the template.

    b. Submission: Confirm your submission in the three locations mentioned above: group discussion, group locker, and assignment link. There is a 50% penalty (-50 points) for failure to follow these submission instructions.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 3 (A3)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission highlights the client’s pain points articulated in the form of Personas and User Stories. | 10 | |
    | The pain points are derived from the interviews, and they reflect the business’s Fintech needs. The Personas and User Stories capture the Design Thinking framework's goal of the Voice of the Customer. | 30 | |
    | The submission has captured the client’s need in a pain point, identified a solution action to address the pain point, and the goal confirms that the pain point will be removed. | 30 | |
    | The submission has articulated an academic research method, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to adhere to the template.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## EXPA2completed.docx**

    Student Name:

    [A2 – Assignment 2]

    Develop Fintech needs for a business. This is the Empathize step of the Design Thinking framework. Here, you put yourself in the client’s shoes and learn about their needs. Identify a business from your network or visit a local business in your neighborhood. Introduce yourself as a student researcher learning about Fintech payments. Describe what you are learning about Fintech and inquire about their willingness to help with your school project, if they are using Fintech products/services, why (why not), their business input, operation, and output, their customers, growth plans, and challenges. Your learning objective is to assess the Fintech needs of a business. [Instructions: Use “A2 Template” for this assignment. The template is in the “Class Resources” folder in D2L. There is a 50% penalty for not using the template.]

    a. Describe the business you selected and interviewed.

    i. Business name

    Worldpay

    ii. Describe the primary products/services of the business

    Worldpay provides payment services that enables them to accept payments domestically and internationally.

    iii. Describe the interview setup (at the office, in Teams, etc.).

    The interview was conducted during a lunch meeting in Atlantic Station

    iv. Describe the person(s) you interviewed. What is the job role of the interviewee? What role in making decisions does the interviewee have in the company’s Fintech products/services?

    The person I interviewed is Ericka Sampey, a Senior Fraud Detection Analyst. Ericka’s role involves reviewing transactions that flag for potential fraud. Once flagged, a review is completed that includes reaching out to the business to uncover details. The goal is to determine if the transaction is a risk not only to the business but to Worldpay as well.

    b. Research and write what the Design Thinking framework says about the Empathize step.

    Empathize is the first step in the Design Thinking process. This step is used to develop an understanding of the problem you are trying to solve. Empathy allows businesses to focus more on the needs of your clients rather than internal assumptions. This step is crucial to business development and problem solving.

    c. Empathize 1 – views from the perspective of the business you interviewed. Write what you learned about their Fintech products/services, customers, and competitors.

    i. What are the company’s primary Fintech products/services, and how are they used in the business operations?

    The primary Fintech product Worldpay offers is merchant services, which allows business to accept payments for goods and/or services.

    ii. Who are the company’s customers and what is the role of Fintech products/services in their customer interactions?

    Worldpay’s customer base is mostly small businesses, but they have relationships with larger corporations as well. These were not provided in the interview for privacy reasons.

    iii. Who are the company’s competitors and what is the role of Fintech products/services among competitors?

    Some of Worldpay’s competitors would be Stripe, PayPal and Square. These companies also provide merchant services to clients and in many cases the competition is centered around pricing, fees, and fraud prevention.

    d. Empathize 2 – views from the perspective of the business you interviewed. Write what you learned about how Fintech products/services are used in their business. Discuss in terms of the business inputs, processes, outputs, growth projections, and performance improvements.

    i. Describe how Fintech products/services support the input, process, and output of the business.

    The FinTech product examined is merchant payment processing with built-in fraud monitoring. The inputs include customer payment information such as card details, transaction amounts, and basic transaction data submitted at checkout. These inputs move through automated processes that include transaction authorization, fraud checks, and risk review. The outputs are approved or declined transactions, settlement of funds to the merchant, and transaction reporting. This service supports business operations by allowing payments to be processed quickly while reducing fraud risk and limiting the need for manual review.

    ii. What are the company’s growth projections, and what role do Fintech products/services play in the anticipated growth projections?

    Growth for this payment and fraud-prevention service is driven by increased use of digital and online payments. As more transactions are processed electronically, FinTech tools allow the service to handle higher volumes while maintaining security and reliability. Scalable systems and automated fraud tools support continued use of the service as transaction activity increases.

    iii. What are the company’s plans to improve performance, and what role do Fintech products/services play in the planned performance improvements?

    Performance improvements for this service focus on improving speed, fraud detection and accuracy of approvals. FinTech tools such as real-time monitoring and data analysis help reduce false declines and improve the overall payment experience. These improvements support both merchants and customers by allowing legitimate transactions to process smoothly while blocking fraudulent activity.

    e.
    Empathize 3 – views from the perspective of the business you interviewed. Write what you learned about innovation in their sector, opportunities and challenges, and a Fintech vision.

    i. What are the Fintech innovations in their business sector, and what role do these innovations play in the company’s business processes?

    FinTech innovations related to this service include real-time payment processing and automated fraud monitoring. These innovations allow transactions to be reviewed and approved quickly while continuously monitoring suspicious activity. This reduces delays in payment processing and strengthens security for merchants and customers.

    ii.
    List the Fintech opportunities and challenges in their business sector and describe the anticipated impact of these opportunities and challenges on the company’s business processes.

    Opportunities for this service include continued growth in online payments and improvements in fraud prevention technology. Challenges include increasing fraud attempts and the need to keep systems updated as payment methods and regulations change. These challenges affect how efficiently and securely payments are processed.

    iii.
    Ask about their Fintech vision and write what you learned. Note: write their answer and your reflection on how their vision helped you further understand the client’s Fintech product/service needs.

    In the interview, Ericka explained that the vision for this payment and fraud prevention service is to provide secure and reliable transactions that are easy for businesses to use.

    This response helped me better understand that the service is designed to support everyday payment activity while protecting both merchants and customers from fraud. It reinforced that security and simplicity are key goals of the product.

    f. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    i. Based on what you learn in this assignment, write a research question on the Fintech customer’s/ competitor’s behavior, business processes, or sector innovations.

    How does Worldpay’s payment and fraud-prevention technologies influence customer behavior and competition in the payment processing industry?

    ii. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research question.

    Worldpay. (2024). Fraud prevention solutions

    [https://www.worldpay.com/en/products/fraud-prevention](https://www.worldpay.com/en/products/fraud-prevention)

    This source explains how Worldpay uses machine learning tools and real time monitoring to reduce fraud and improve transaction approval rates. It supports understanding how FinTech innovations influence customer trust, payment reliability, and operational efficiency.

    Worldpay. (2024). Worldpay receives top ranking in e-commerce technology.

    [https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology](https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology)

    This press release highlights Worldpay’s leadership in e-commerce payment innovation. It provides insight into how FinTech investments strengthens competitive positioning and shapes customer expectations in the global payment processing industry.

    Fintech Magazine. (2025). Top 10: payment processors.

    [https://fintechmagazine.com/top10/top-10-payment-processors](https://fintechmagazine.com/top10/top-10-payment-processors)

    This article ranks the leading payment processors globally. It explains how industry consolidation and technology investments shape competitive dynamics. The article supports understanding how customer preferences and innovation influence business strategy and rivalry in the FinTech payments industry.

    g.
    Confirm your assignment is named “A2 first & last name” and submitted at the following three locations:

    i.
    Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    ii. Group locker: Share with your group and engage in group discussions and brainstorming.

    iii. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    h.
    Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    i. Template: “A2 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A2 Template”, save it as “A2 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to adhere to the template.

    ii. Submission: confirm your submission in the three locations noted above: group discussion, group locker, and assignment link. There is a 50-point (-50 points) penalty for failure to follow this submission instruction.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 2 (A2)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission has captured the spirit of the Empathize step in the Design Thinking framework. | 10 | |
    | The submission has clearly identified the customers and the business processes (inputs, processes, and outputs) of the identified products and services. | 30 | |
    | The submission has defined the innovations and created a forward-looking Fintech vision. | 30 | |
    | The submission has articulated an academic research question, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to follow this instruction.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## _A3TemplateFIS.docx**

    Student Name: firstName lastName

    [A3 – Assignment 3]

    Create Personas and User Stories based on your interview. This is another application of the Empathize step in the Design Thinking framework. Here, you restate or depict the client needs you heard in the form of Personas and User Stories, articulating them in an easier-to-understand format for the business users/clients. The learning objective is to reflect your understanding of the client’s needs in vivid and structured personas and user stories. [Instructions: Use “A3 Template” for this assignment. The template is in the “Class Resources” folder of the class website. There is a 50% penalty for not using the template.]

    i.
    Research and write what the Design Thinking framework says about Personas and User Stories.

    a. Your Persona definitions must include a name, a role, and pain points. [Your answer here …]

    b. Your User Story definitions must include a persona name, the actions the Persona wishes to perform, and the Persona’s goal. [Your answer here …]

    ii. Interview recap. Refer to your client interview in A2 and recapitulate your A2 interview by providing the company name (who you interviewed), the primary company product/service (what they do), the company’s Fintech need (what business goal the company wishes to achieve with the Fintech product/service), and the decision-making role of the person you interviewed.

    a. Company name: [Your answer here …]

    b. Company product/service: [Your answer here …]

    c. Fintech need: [Your answer here …]

    d. Interviewee role: [Your answer here …]

    iii. Identify pain points for three Personas. Write the Persona’s name, role, and pain points in the User Stories. Pain points are the problems or issues that the Persona would like you to solve for them. A user story is a general explanation of a software feature written from the perspective of the end user. Write the user story from the user's perspective and follow the format: “As [a user persona], I want [to perform this action] so that [I can accomplish this goal].” The user’s actions are intended to solve the Persona’s pain points. The learning objective is to create an appropriate Persona to depict the client’s market, represent the client's pain points in the intended actions, and confirm that the client's pain point is removed when the goal is accomplished.

    a. Persona 1, User Story 1. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    b. Persona 2, User Story 2. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    c. Persona 3, User Story 3. As [a user persona], I want [to perform this action] so that [I can accomplish this goal]

    iv. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    a. Based on what you learn in this assignment, write a one-paragraph research methodology on the Design Thinking framework approach of Personas and User Stories.

    [Your answer here …]

    b. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research methods.

    [Your answer here …]

    v. Confirm your assignment is named “A3 first & last name” and submitted at the following three locations:

    a. Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    b. Group locker: Share with your group and engage in group discussions and brainstorming.

    c. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    vi. Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    a. Template: “A3 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A3 Template”, save it as “A3 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to follow the template.

    b. Submission: Confirm your submission in the three locations mentioned above: group discussion, group locker, and assignment link. There is a 50% penalty (-50 points) for failure to follow these submission instructions.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 3 (A3)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission highlights the client’s pain points articulated in the form of Personas and User Stories. | 10 | |
    | The pain points are derived from the interviews, and they reflect the business’s Fintech needs. The Personas and User Stories capture the Design Thinking framework's goal of the Voice of the Customer. | 30 | |
    | The submission has captured the client’s need in a pain point, identified a solution action to address the pain point, and the goal confirms that the pain point will be removed. | 30 | |
    | The submission has articulated an academic research method, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to adhere to the template.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

    **## EXPA2completed.docx**

    Student Name:

    [A2 – Assignment 2]

    Develop Fintech needs for a business. This is the Empathize step of the Design Thinking framework. Here, you put yourself in the client’s shoes and learn about their needs. Identify a business from your network or visit a local business in your neighborhood. Introduce yourself as a student researcher learning about Fintech payments. Describe what you are learning about Fintech and inquire about their willingness to help with your school project, if they are using Fintech products/services, why (why not), their business input, operation, and output, their customers, growth plans, and challenges. Your learning objective is to assess the Fintech needs of a business. [Instructions: Use “A2 Template” for this assignment. The template is in the “Class Resources” folder in D2L. There is a 50% penalty for not using the template.]

    a. Describe the business you selected and interviewed.

    i. Business name

    Worldpay

    ii. Describe the primary products/services of the business

    Worldpay provides payment services that enables them to accept payments domestically and internationally.

    iii. Describe the interview setup (at the office, in Teams, etc.).

    The interview was conducted during a lunch meeting in Atlantic Station

    iv. Describe the person(s) you interviewed. What is the job role of the interviewee? What role in making decisions does the interviewee have in the company’s Fintech products/services?

    The person I interviewed is Ericka Sampey, a Senior Fraud Detection Analyst. Ericka’s role involves reviewing transactions that flag for potential fraud. Once flagged, a review is completed that includes reaching out to the business to uncover details. The goal is to determine if the transaction is a risk not only to the business but to Worldpay as well.

    b. Research and write what the Design Thinking framework says about the Empathize step.

    Empathize is the first step in the Design Thinking process. This step is used to develop an understanding of the problem you are trying to solve. Empathy allows businesses to focus more on the needs of your clients rather than internal assumptions. This step is crucial to business development and problem solving.

    c. Empathize 1 – views from the perspective of the business you interviewed. Write what you learned about their Fintech products/services, customers, and competitors.

    i. What are the company’s primary Fintech products/services, and how are they used in the business operations?

    The primary Fintech product Worldpay offers is merchant services, which allows business to accept payments for goods and/or services.

    ii. Who are the company’s customers and what is the role of Fintech products/services in their customer interactions?

    Worldpay’s customer base is mostly small businesses, but they have relationships with larger corporations as well. These were not provided in the interview for privacy reasons.

    iii. Who are the company’s competitors and what is the role of Fintech products/services among competitors?

    Some of Worldpay’s competitors would be Stripe, PayPal and Square. These companies also provide merchant services to clients and in many cases the competition is centered around pricing, fees, and fraud prevention.

    d. Empathize 2 – views from the perspective of the business you interviewed. Write what you learned about how Fintech products/services are used in their business. Discuss in terms of the business inputs, processes, outputs, growth projections, and performance improvements.

    i. Describe how Fintech products/services support the input, process, and output of the business.

    The FinTech product examined is merchant payment processing with built-in fraud monitoring. The inputs include customer payment information such as card details, transaction amounts, and basic transaction data submitted at checkout. These inputs move through automated processes that include transaction authorization, fraud checks, and risk review. The outputs are approved or declined transactions, settlement of funds to the merchant, and transaction reporting. This service supports business operations by allowing payments to be processed quickly while reducing fraud risk and limiting the need for manual review.

    ii. What are the company’s growth projections, and what role do Fintech products/services play in the anticipated growth projections?

    Growth for this payment and fraud-prevention service is driven by increased use of digital and online payments. As more transactions are processed electronically, FinTech tools allow the service to handle higher volumes while maintaining security and reliability. Scalable systems and automated fraud tools support continued use of the service as transaction activity increases.

    iii. What are the company’s plans to improve performance, and what role do Fintech products/services play in the planned performance improvements?

    Performance improvements for this service focus on improving speed, fraud detection and accuracy of approvals. FinTech tools such as real-time monitoring and data analysis help reduce false declines and improve the overall payment experience. These improvements support both merchants and customers by allowing legitimate transactions to process smoothly while blocking fraudulent activity.

    e.
    Empathize 3 – views from the perspective of the business you interviewed. Write what you learned about innovation in their sector, opportunities and challenges, and a Fintech vision.

    i. What are the Fintech innovations in their business sector, and what role do these innovations play in the company’s business processes?

    FinTech innovations related to this service include real-time payment processing and automated fraud monitoring. These innovations allow transactions to be reviewed and approved quickly while continuously monitoring suspicious activity. This reduces delays in payment processing and strengthens security for merchants and customers.

    ii.
    List the Fintech opportunities and challenges in their business sector and describe the anticipated impact of these opportunities and challenges on the company’s business processes.

    Opportunities for this service include continued growth in online payments and improvements in fraud prevention technology. Challenges include increasing fraud attempts and the need to keep systems updated as payment methods and regulations change. These challenges affect how efficiently and securely payments are processed.

    iii.
    Ask about their Fintech vision and write what you learned. Note: write their answer and your reflection on how their vision helped you further understand the client’s Fintech product/service needs.

    In the interview, Ericka explained that the vision for this payment and fraud prevention service is to provide secure and reliable transactions that are easy for businesses to use.

    This response helped me better understand that the service is designed to support everyday payment activity while protecting both merchants and customers from fraud. It reinforced that security and simplicity are key goals of the product.

    f. Research. Write a research question on the Fintech sector’s customer/competitor behavior, business processes, and innovations.

    i. Based on what you learn in this assignment, write a research question on the Fintech customer’s/ competitor’s behavior, business processes, or sector innovations.

    How does Worldpay’s payment and fraud-prevention technologies influence customer behavior and competition in the payment processing industry?

    ii. Write a 30-50-word annotated bibliography for three references that serve as the literature review for your research question.

    Worldpay. (2024). Fraud prevention solutions

    [https://www.worldpay.com/en/products/fraud-prevention](https://www.worldpay.com/en/products/fraud-prevention)

    This source explains how Worldpay uses machine learning tools and real time monitoring to reduce fraud and improve transaction approval rates. It supports understanding how FinTech innovations influence customer trust, payment reliability, and operational efficiency.

    Worldpay. (2024). Worldpay receives top ranking in e-commerce technology.

    [https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology](https://corporate.worldpay.com/news-releases/news-release-details/worldpay-receives-top-ranking-e-commerce-technology)

    This press release highlights Worldpay’s leadership in e-commerce payment innovation. It provides insight into how FinTech investments strengthens competitive positioning and shapes customer expectations in the global payment processing industry.

    Fintech Magazine. (2025). Top 10: payment processors.

    [https://fintechmagazine.com/top10/top-10-payment-processors](https://fintechmagazine.com/top10/top-10-payment-processors)

    This article ranks the leading payment processors globally. It explains how industry consolidation and technology investments shape competitive dynamics. The article supports understanding how customer preferences and innovation influence business strategy and rivalry in the FinTech payments industry.

    g.
    Confirm your assignment is named “A2 first & last name” and submitted at the following three locations:

    i.
    Discussion Group: Share with the entire class in the discussion forum. This is where everyone can see the class work as a whole and gain value from the class. Navigate to the discussion group board and submit.

    ii. Group locker: Share with your group and engage in group discussions and brainstorming.

    iii. Assignment link: Submit your work for grading in the assignment link. Here, you must upload both the assignment and the screenshots. Submit one per group in the assignment link. Include a screenshot confirming that the group work is shared with your group and the entire class.

    h.
    Rubric: Review and confirm you have completed all rubric items below. Notice the penalty listed in the rubric.

    i. Template: “A2 Template” is provided for this assignment. You will find all templates in the “Class Resources” folder under the Table of Contents on the course website. Download the “A2 Template”, save it as “A2 first & last name”, keep all template information except the highlighted portions, and replace the highlighted portions with your answers. There is a 50% penalty (-50 points) for failure to adhere to the template.

    ii. Submission: confirm your submission in the three locations noted above: group discussion, group locker, and assignment link. There is a 50-point (-50 points) penalty for failure to follow this submission instruction.

    | | | |
    | — | — | — |
    | **Rubric for Assignment 2 (A2)** | **Possible**<br>**Points** | **Points Scored** |
    | The submission has captured the spirit of the Empathize step in the Design Thinking framework. | 10 | |
    | The submission has clearly identified the customers and the business processes (inputs, processes, and outputs) of the identified products and services. | 30 | |
    | The submission has defined the innovations and created a forward-looking Fintech vision. | 30 | |
    | The submission has articulated an academic research question, citations, and an annotated bibliography. | 30 | |
    | Total | 100 | |
    | The submission uses the template for this assignment. The template is in the “Class Resources” folder in D2L. [50% penalty for failing to follow this instruction.] | -50 | |
    | Upload and share your assignment to the entire class (in the group discussion), your class group (in the group locker), and for grading (in the assignment link). Share a screenshot of your submission to confirm. [50% penalty if screenshot confirmation is not uploaded in the D2L assignment link.] | -50 | |
    | Feedback: | | |

  • [Solved] Germany, Brazil, and India

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    **files (1)** – ## InternationalPrisonsGermanyBrazilandIndia.docx **## InternationalPrisonsGermanyBrazilandIndia.docx** International Prisons: Germany, Brazil, and India Chapters 8 and 9 in the text discuss international perspectives on corrections and juvenile justice. Find additional, credible sou…

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    International Prisons: Germany, Brazil, and India

    Chapters 8 and 9 in the text discuss international perspectives on corrections and juvenile justice. Find additional, credible sources to form your evaluation on criminal justice in the selected countries of Germany, Brazil, and India by analyzing differing cultural perspectives. In your paper

    · Evaluate the prison systems of Germany, Brazil, and India.

    · Assess the similarities and differences of the prison system in each country.

    · Analyze the differing cultural perspectives of the corrections systems in the countries based on their prison systems.

    The paper

    · Must be at least three double-spaced pages in length (not including title and references pages) and formatted according to APA style as outlined in the
    [Writing CenterLinks to an external site.](http://writingcenter.uagc.edu/apa-style).

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    · Title of paper

    · Student’s name

    · Course name and number

    · Instructor’s name

    · Date submitted

    · Must use at least three credible sources in addition to the course text.

    **## InternationalPrisonsGermanyBrazilandIndia.docx**

    International Prisons: Germany, Brazil, and India

    Chapters 8 and 9 in the text discuss international perspectives on corrections and juvenile justice. Find additional, credible sources to form your evaluation on criminal justice in the selected countries of Germany, Brazil, and India by analyzing differing cultural perspectives. In your paper

    · Evaluate the prison systems of Germany, Brazil, and India.

    · Assess the similarities and differences of the prison system in each country.

    · Analyze the differing cultural perspectives of the corrections systems in the countries based on their prison systems.

    The paper

    · Must be at least three double-spaced pages in length (not including title and references pages) and formatted according to APA style as outlined in the
    [Writing CenterLinks to an external site.](http://writingcenter.uagc.edu/apa-style).

    · Must include a separate title page with the following:

    · Title of paper

    · Student’s name

    · Course name and number

    · Instructor’s name

    · Date submitted

    · Must use at least three credible sources in addition to the course text.

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  • [Solved] HRM 6304 VIII J

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    [>Management homework help](https://www.sweetstudy.com/fields/business-finance-management) **files (2)** – ## LaborRelationsandCollectiveBargainingHRM6304UnitVIIIJournal.docx – ## UnitVIIIStudyGuide.pdf **## LaborRelationsandCollectiveBargainingHRM6304UnitVIIIJournal.docx** 2 Labor Relations and Col…

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    2

    Labor Relations and Collective Bargaining HRM 6304 Unit VIII Journal

    You have been asked to make a short speech to the executive team on how this course could help shape labor relations within the organization, including the history of the American labor movement, dispute resolutions, avoidance, models, strategies, and techniques. Reflect on the course and thoroughly explain your rationale.

    Ensure your journal entry is at least three pages in length but is no longer than four pages in length, is double-spaced, and uses 12- point Times New Roman font with one-inch margins. Section headings/subheadings should be used to help organize your paper. Journal posts should include a full title page including your name, and double-space all submissions.

    **## UnitVIIIStudyGuide.pdf**

    HRM 6304, Labor Relations and Collective Bargaining 1

    Course Learning Outcomes for Unit VIII

    Upon completion of this unit, students should be able to:

    6. Compare and contrast negotiation models, strategies, and tactics.
    6.1 Compare and contrast labor relations in the public and private sectors.
    6.2 Evaluate labor relations in other countries.

    Required Unit Resources

    Chapter 13: Labor Relations in the Public Sector, pp. 651–685

    Chapter 14: Labor Relations in Multinational Corporations and in Other Countries, pp. 702–746

    Unit Lesson

    Welcome to Unit VIII! Here we are in our last unit of the course on management and labor unions and the
    collective bargaining process. In the previous unit, we looked at what happens if our team efforts are not
    successful and we must consider an arbitrator or the strike/lockout option.

    Strikes and lockouts are usually last resorts. Union members typically strike if they feel unjustly treated. They
    blame management for the current issues, or the organizational culture is such that it supports a walkout
    (e.g., the employees feel they are not being treated with respect or fairness). If we refer back to our case,
    Harper Container Company (HCC) and the United Chemical and Plastics Workers Union (UCPW), we know
    the organizational culture has a history of caring for the employees. This is underscored by the low turnover
    rates and employee longevity. However, why are 50 grievances unanswered? Blaming management might be
    the reason the union membership voted to strike if they do not get a raise, but if management is sincere in
    caring about the employees, they need to plan for a raise. The management team will have to demonstrate
    this caring culture by how they negotiate the contract. The tricky part will be getting the union membership to
    understand that the equipment upgrade is essential. Persuasion might not be too difficult given the upgrades
    are a part of a federal mandate. The harder part will be the reduction of 30 of the highest-paying jobs due to
    the equipment upgrade.

    Depending on how the management team can bargain with the other issues on the table will determine if the
    union membership decides to strike. There are options for union members if they strike because there are
    other plants in the local area where they can seek employment. The problem is when you leave one
    company, you start at the bottom at the new company in terms of seniority and leave time. The management
    team will need to highlight the advantages and convince the union membership to accept the final offer.
    Negotiations combine the art of persuasion with developing trusting relationships and offering convincing
    arguments as to why certain issues deserve attention and acceptance and others can be traded or tabled until
    the next contract.

    UNIT VIII STUDY GUIDE
    Public Sector and
    Multinational Labor Relations

    HRM 6304, Labor Relations and Collective Bargaining 2

    UNIT x STUDY GUIDE
    Title

    One area to address is contract maintenance. Once
    both parties have reached an agreement and the
    union membership has approved, they have a
    contract they must work within for the next 3 to 5
    years. Both parties must be familiar with the contract
    because those will be the terms of engagement or
    guidelines until the next negotiation period. Both
    parties must be aware of what the contract
    stipulates in terms of what can be negotiated during
    the lifetime of the contract and what cannot. In our
    HCC case, both parties need to be clear that when
    the equipment upgrade is made, the 30 employees
    will be moved to other positions to cover the 24/7
    operations. If another reduction becomes necessary
    in a year or two, both parties must be clear as to
    what happens to those employees. The key to
    success during the life of the contract will depend on
    open and honest communication.

    Unions were very popular from the 1920s to the
    1950s. Back then, the work environment was much
    more harsh, unsanitary, and unsafe. As times
    changed, so did the laws to protect workers, such as
    age restrictions on children working instead of going
    to school, protective gear, and machines to do the
    harder and more dangerous work. For example,

    many coal miners in West Virginia would come home from work covered in black coal dust from head to toe
    and with no protective gear. Many died of black lung disease directly related to working in those mines.
    Today, coal miners are required to wear protective gear and can be terminated for not wearing it, and
    machines do most of the work of digging out the coal. In the past, children often started working in the mines
    at 15 years old. That simply would not happen today.

    In the 1950s, American unions were very powerful and had a voice in the government because they were so
    large and represented so many citizens. Today, unions do not have a voice in government.

    HRM 6304, Labor Relations and Collective Bargaining 3

    UNIT x STUDY GUIDE
    Title

    U.S. unions are often very different from those of
    other countries. For example, the United States is
    running about 13% union coverage whereas
    Mexico and Canada are closer to 30%. Countries
    like Finland, Sweden, and Belgium are 52–70%
    unionized. The government controls unions in
    Mexico, and the Labor Party controls unions in
    Great Britain.

    Unions have different rules and, like union shops
    here in the United States, the employees may or
    may not have a choice in joining the union. The
    teamsters were once very powerful in the United
    States, but situations have since changed.
    People got tired of the corruption and violence,
    laws changed, and union membership declined
    significantly. 50 years ago, most working people
    in the United States were union members; but
    back then, there were many more manufacturing
    jobs than there are now. Those jobs are gone
    and with them union membership. 50 years ago,
    the unions represented lower-class citizens, but
    this is not so anymore. Even today, in some
    states in the South, it is against the law to join a
    union—at least for some public-sector
    employees. On the other hand, in some states,
    there are still high concentrations of union
    employees: New York, Alaska, and Hawaii are
    examples. If it were not for the growth of unions
    in the public sector since the late 1960s, union
    membership would be much less than it is today.

    In what types of jobs do we see unions? Those would be the low-paying, underappreciated jobs such as
    teachers, firefighters, police officers, public transportation drivers, and nurses. It is a sad fact that the least is
    paid to those we depend on the most. Not surprisingly, they will be the ones who will strike for better wages
    and better working conditions. In times of recession, there is more interest in unions, but until they recognize
    and represent every working person, membership will not increase significantly.

    Unions in the United States are trying to increase membership by making the appeal that labor rights (the
    right to form and join a union) is a basic human right. Unions are looking for public support of unions to fight
    the huge employer opposition that currently exists.

    What have you learned in this course? Hopefully, you now know more about the collective bargaining
    process. If you think of it in the same light as a divorce process, it may be easier to understand. You have two
    teams that are connected through a relationship, but the relationship is no longer working. It is far better for
    everyone involved if the negotiation process to change the relationship is a process of honesty and trust. The
    opposing teams must be respectful and work together toward a common solution rather than to fight, cheat,
    lie, and otherwise hurt each other. Bad behavior has consequences including sanctions and interference from
    outside agencies. This is true for both the collective bargaining process and the divorce process. In both
    cases, the courts can order the parties to go to mediation or arbitration.

    The best takeaway from this course is that either side cannot over prepare for collective bargaining. Both
    parties must review the last contract and know it inside and out. You want to know what did and did not work
    in the previous contract and why. In our HCC case, if we were on the management team, we would want to
    know why there are 50 grievances outstanding. Although they are not money-related issues, a grievance is an
    indication of a problem. The problem might be process or procedure related, but it is still a problem that
    warranted a grievance. What is the nature of the problem or problems, and how can they be fixed during this
    new contract period? The union wants management to address the 50 grievances in the union’s favor as a
    bargaining chip, but how is it that 50 cases got stacked up? That is an issue that must be resolved in the

    HRM 6304, Labor Relations and Collective Bargaining 4

    UNIT x STUDY GUIDE
    Title

    current contract being negotiated. How can management improve the resolution process so that this issue of
    stacked grievances does not happen again?

    When preparing for negotiations, the teams need to look outside the organization to see what the rest of the
    industry is doing, what the community is doing, and what the trends are in recent labor contract settlements.
    Once they gather the data, they need to prepare a list of demands and justification for those demands based
    on the information gathered. It is also a good idea to prepare for the other party’s demands by being ready to
    counter their offer. Just as in a divorce, you want to know exactly what the other party is capable of delivering
    and be able to support your demands realistically. The teams need to look at the bigger picture and even look
    at the global picture when negotiating collective bargaining agreements. Many organizations move their
    operations overseas, so negotiation must take that possibility into account. The more prepared team stands
    the best chance of being the winning team.

    Reference

    Holley, W. H., Jr., Ross, W. H., & Wolters, R. S. (2017). The labor relations process (11th ed.). Cengage

    Learning. https://online.vitalsource.com/#/books/9781337025959

    **## UnitVIIIStudyGuide.pdf**

    HRM 6304, Labor Relations and Collective Bargaining 1

    Course Learning Outcomes for Unit VIII

    Upon completion of this unit, students should be able to:

    6. Compare and contrast negotiation models, strategies, and tactics.
    6.1 Compare and contrast labor relations in the public and private sectors.
    6.2 Evaluate labor relations in other countries.

    Required Unit Resources

    Chapter 13: Labor Relations in the Public Sector, pp. 651–685

    Chapter 14: Labor Relations in Multinational Corporations and in Other Countries, pp. 702–746

    Unit Lesson

    Welcome to Unit VIII! Here we are in our last unit of the course on management and labor unions and the
    collective bargaining process. In the previous unit, we looked at what happens if our team efforts are not
    successful and we must consider an arbitrator or the strike/lockout option.

    Strikes and lockouts are usually last resorts. Union members typically strike if they feel unjustly treated. They
    blame management for the current issues, or the organizational culture is such that it supports a walkout
    (e.g., the employees feel they are not being treated with respect or fairness). If we refer back to our case,
    Harper Container Company (HCC) and the United Chemical and Plastics Workers Union (UCPW), we know
    the organizational culture has a history of caring for the employees. This is underscored by the low turnover
    rates and employee longevity. However, why are 50 grievances unanswered? Blaming management might be
    the reason the union membership voted to strike if they do not get a raise, but if management is sincere in
    caring about the employees, they need to plan for a raise. The management team will have to demonstrate
    this caring culture by how they negotiate the contract. The tricky part will be getting the union membership to
    understand that the equipment upgrade is essential. Persuasion might not be too difficult given the upgrades
    are a part of a federal mandate. The harder part will be the reduction of 30 of the highest-paying jobs due to
    the equipment upgrade.

    Depending on how the management team can bargain with the other issues on the table will determine if the
    union membership decides to strike. There are options for union members if they strike because there are
    other plants in the local area where they can seek employment. The problem is when you leave one
    company, you start at the bottom at the new company in terms of seniority and leave time. The management
    team will need to highlight the advantages and convince the union membership to accept the final offer.
    Negotiations combine the art of persuasion with developing trusting relationships and offering convincing
    arguments as to why certain issues deserve attention and acceptance and others can be traded or tabled until
    the next contract.

    UNIT VIII STUDY GUIDE
    Public Sector and
    Multinational Labor Relations

    HRM 6304, Labor Relations and Collective Bargaining 2

    UNIT x STUDY GUIDE
    Title

    One area to address is contract maintenance. Once
    both parties have reached an agreement and the
    union membership has approved, they have a
    contract they must work within for the next 3 to 5
    years. Both parties must be familiar with the contract
    because those will be the terms of engagement or
    guidelines until the next negotiation period. Both
    parties must be aware of what the contract
    stipulates in terms of what can be negotiated during
    the lifetime of the contract and what cannot. In our
    HCC case, both parties need to be clear that when
    the equipment upgrade is made, the 30 employees
    will be moved to other positions to cover the 24/7
    operations. If another reduction becomes necessary
    in a year or two, both parties must be clear as to
    what happens to those employees. The key to
    success during the life of the contract will depend on
    open and honest communication.

    Unions were very popular from the 1920s to the
    1950s. Back then, the work environment was much
    more harsh, unsanitary, and unsafe. As times
    changed, so did the laws to protect workers, such as
    age restrictions on children working instead of going
    to school, protective gear, and machines to do the
    harder and more dangerous work. For example,

    many coal miners in West Virginia would come home from work covered in black coal dust from head to toe
    and with no protective gear. Many died of black lung disease directly related to working in those mines.
    Today, coal miners are required to wear protective gear and can be terminated for not wearing it, and
    machines do most of the work of digging out the coal. In the past, children often started working in the mines
    at 15 years old. That simply would not happen today.

    In the 1950s, American unions were very powerful and had a voice in the government because they were so
    large and represented so many citizens. Today, unions do not have a voice in government.

    HRM 6304, Labor Relations and Collective Bargaining 3

    UNIT x STUDY GUIDE
    Title

    U.S. unions are often very different from those of
    other countries. For example, the United States is
    running about 13% union coverage whereas
    Mexico and Canada are closer to 30%. Countries
    like Finland, Sweden, and Belgium are 52–70%
    unionized. The government controls unions in
    Mexico, and the Labor Party controls unions in
    Great Britain.

    Unions have different rules and, like union shops
    here in the United States, the employees may or
    may not have a choice in joining the union. The
    teamsters were once very powerful in the United
    States, but situations have since changed.
    People got tired of the corruption and violence,
    laws changed, and union membership declined
    significantly. 50 years ago, most working people
    in the United States were union members; but
    back then, there were many more manufacturing
    jobs than there are now. Those jobs are gone
    and with them union membership. 50 years ago,
    the unions represented lower-class citizens, but
    this is not so anymore. Even today, in some
    states in the South, it is against the law to join a
    union—at least for some public-sector
    employees. On the other hand, in some states,
    there are still high concentrations of union
    employees: New York, Alaska, and Hawaii are
    examples. If it were not for the growth of unions
    in the public sector since the late 1960s, union
    membership would be much less than it is today.

    In what types of jobs do we see unions? Those would be the low-paying, underappreciated jobs such as
    teachers, firefighters, police officers, public transportation drivers, and nurses. It is a sad fact that the least is
    paid to those we depend on the most. Not surprisingly, they will be the ones who will strike for better wages
    and better working conditions. In times of recession, there is more interest in unions, but until they recognize
    and represent every working person, membership will not increase significantly.

    Unions in the United States are trying to increase membership by making the appeal that labor rights (the
    right to form and join a union) is a basic human right. Unions are looking for public support of unions to fight
    the huge employer opposition that currently exists.

    What have you learned in this course? Hopefully, you now know more about the collective bargaining
    process. If you think of it in the same light as a divorce process, it may be easier to understand. You have two
    teams that are connected through a relationship, but the relationship is no longer working. It is far better for
    everyone involved if the negotiation process to change the relationship is a process of honesty and trust. The
    opposing teams must be respectful and work together toward a common solution rather than to fight, cheat,
    lie, and otherwise hurt each other. Bad behavior has consequences including sanctions and interference from
    outside agencies. This is true for both the collective bargaining process and the divorce process. In both
    cases, the courts can order the parties to go to mediation or arbitration.

    The best takeaway from this course is that either side cannot over prepare for collective bargaining. Both
    parties must review the last contract and know it inside and out. You want to know what did and did not work
    in the previous contract and why. In our HCC case, if we were on the management team, we would want to
    know why there are 50 grievances outstanding. Although they are not money-related issues, a grievance is an
    indication of a problem. The problem might be process or procedure related, but it is still a problem that
    warranted a grievance. What is the nature of the problem or problems, and how can they be fixed during this
    new contract period? The union wants management to address the 50 grievances in the union’s favor as a
    bargaining chip, but how is it that 50 cases got stacked up? That is an issue that must be resolved in the

    HRM 6304, Labor Relations and Collective Bargaining 4

    UNIT x STUDY GUIDE
    Title

    current contract being negotiated. How can management improve the resolution process so that this issue of
    stacked grievances does not happen again?

    When preparing for negotiations, the teams need to look outside the organization to see what the rest of the
    industry is doing, what the community is doing, and what the trends are in recent labor contract settlements.
    Once they gather the data, they need to prepare a list of demands and justification for those demands based
    on the information gathered. It is also a good idea to prepare for the other party’s demands by being ready to
    counter their offer. Just as in a divorce, you want to know exactly what the other party is capable of delivering
    and be able to support your demands realistically. The teams need to look at the bigger picture and even look
    at the global picture when negotiating collective bargaining agreements. Many organizations move their
    operations overseas, so negotiation must take that possibility into account. The more prepared team stands
    the best chance of being the winning team.

    Reference

    Holley, W. H., Jr., Ross, W. H., & Wolters, R. S. (2017). The labor relations process (11th ed.). Cengage

    Learning. https://online.vitalsource.com/#/books/9781337025959

    **## LaborRelationsandCollectiveBargainingHRM6304UnitVIIIJournal.docx**

    2

    Labor Relations and Collective Bargaining HRM 6304 Unit VIII Journal

    You have been asked to make a short speech to the executive team on how this course could help shape labor relations within the organization, including the history of the American labor movement, dispute resolutions, avoidance, models, strategies, and techniques. Reflect on the course and thoroughly explain your rationale.

    Ensure your journal entry is at least three pages in length but is no longer than four pages in length, is double-spaced, and uses 12- point Times New Roman font with one-inch margins. Section headings/subheadings should be used to help organize your paper. Journal posts should include a full title page including your name, and double-space all submissions.

    **## UnitVIIIStudyGuide.pdf**

    HRM 6304, Labor Relations and Collective Bargaining 1

    Course Learning Outcomes for Unit VIII

    Upon completion of this unit, students should be able to:

    6. Compare and contrast negotiation models, strategies, and tactics.
    6.1 Compare and contrast labor relations in the public and private sectors.
    6.2 Evaluate labor relations in other countries.

    Required Unit Resources

    Chapter 13: Labor Relations in the Public Sector, pp. 651–685

    Chapter 14: Labor Relations in Multinational Corporations and in Other Countries, pp. 702–746

    Unit Lesson

    Welcome to Unit VIII! Here we are in our last unit of the course on management and labor unions and the
    collective bargaining process. In the previous unit, we looked at what happens if our team efforts are not
    successful and we must consider an arbitrator or the strike/lockout option.

    Strikes and lockouts are usually last resorts. Union members typically strike if they feel unjustly treated. They
    blame management for the current issues, or the organizational culture is such that it supports a walkout
    (e.g., the employees feel they are not being treated with respect or fairness). If we refer back to our case,
    Harper Container Company (HCC) and the United Chemical and Plastics Workers Union (UCPW), we know
    the organizational culture has a history of caring for the employees. This is underscored by the low turnover
    rates and employee longevity. However, why are 50 grievances unanswered? Blaming management might be
    the reason the union membership voted to strike if they do not get a raise, but if management is sincere in
    caring about the employees, they need to plan for a raise. The management team will have to demonstrate
    this caring culture by how they negotiate the contract. The tricky part will be getting the union membership to
    understand that the equipment upgrade is essential. Persuasion might not be too difficult given the upgrades
    are a part of a federal mandate. The harder part will be the reduction of 30 of the highest-paying jobs due to
    the equipment upgrade.

    Depending on how the management team can bargain with the other issues on the table will determine if the
    union membership decides to strike. There are options for union members if they strike because there are
    other plants in the local area where they can seek employment. The problem is when you leave one
    company, you start at the bottom at the new company in terms of seniority and leave time. The management
    team will need to highlight the advantages and convince the union membership to accept the final offer.
    Negotiations combine the art of persuasion with developing trusting relationships and offering convincing
    arguments as to why certain issues deserve attention and acceptance and others can be traded or tabled until
    the next contract.

    UNIT VIII STUDY GUIDE
    Public Sector and
    Multinational Labor Relations

    HRM 6304, Labor Relations and Collective Bargaining 2

    UNIT x STUDY GUIDE
    Title

    One area to address is contract maintenance. Once
    both parties have reached an agreement and the
    union membership has approved, they have a
    contract they must work within for the next 3 to 5
    years. Both parties must be familiar with the contract
    because those will be the terms of engagement or
    guidelines until the next negotiation period. Both
    parties must be aware of what the contract
    stipulates in terms of what can be negotiated during
    the lifetime of the contract and what cannot. In our
    HCC case, both parties need to be clear that when
    the equipment upgrade is made, the 30 employees
    will be moved to other positions to cover the 24/7
    operations. If another reduction becomes necessary
    in a year or two, both parties must be clear as to
    what happens to those employees. The key to
    success during the life of the contract will depend on
    open and honest communication.

    Unions were very popular from the 1920s to the
    1950s. Back then, the work environment was much
    more harsh, unsanitary, and unsafe. As times
    changed, so did the laws to protect workers, such as
    age restrictions on children working instead of going
    to school, protective gear, and machines to do the
    harder and more dangerous work. For example,

    many coal miners in West Virginia would come home from work covered in black coal dust from head to toe
    and with no protective gear. Many died of black lung disease directly related to working in those mines.
    Today, coal miners are required to wear protective gear and can be terminated for not wearing it, and
    machines do most of the work of digging out the coal. In the past, children often started working in the mines
    at 15 years old. That simply would not happen today.

    In the 1950s, American unions were very powerful and had a voice in the government because they were so
    large and represented so many citizens. Today, unions do not have a voice in government.

    HRM 6304, Labor Relations and Collective Bargaining 3

    UNIT x STUDY GUIDE
    Title

    U.S. unions are often very different from those of
    other countries. For example, the United States is
    running about 13% union coverage whereas
    Mexico and Canada are closer to 30%. Countries
    like Finland, Sweden, and Belgium are 52–70%
    unionized. The government controls unions in
    Mexico, and the Labor Party controls unions in
    Great Britain.

    Unions have different rules and, like union shops
    here in the United States, the employees may or
    may not have a choice in joining the union. The
    teamsters were once very powerful in the United
    States, but situations have since changed.
    People got tired of the corruption and violence,
    laws changed, and union membership declined
    significantly. 50 years ago, most working people
    in the United States were union members; but
    back then, there were many more manufacturing
    jobs than there are now. Those jobs are gone
    and with them union membership. 50 years ago,
    the unions represented lower-class citizens, but
    this is not so anymore. Even today, in some
    states in the South, it is against the law to join a
    union—at least for some public-sector
    employees. On the other hand, in some states,
    there are still high concentrations of union
    employees: New York, Alaska, and Hawaii are
    examples. If it were not for the growth of unions
    in the public sector since the late 1960s, union
    membership would be much less than it is today.

    In what types of jobs do we see unions? Those would be the low-paying, underappreciated jobs such as
    teachers, firefighters, police officers, public transportation drivers, and nurses. It is a sad fact that the least is
    paid to those we depend on the most. Not surprisingly, they will be the ones who will strike for better wages
    and better working conditions. In times of recession, there is more interest in unions, but until they recognize
    and represent every working person, membership will not increase significantly.

    Unions in the United States are trying to increase membership by making the appeal that labor rights (the
    right to form and join a union) is a basic human right. Unions are looking for public support of unions to fight
    the huge employer opposition that currently exists.

    What have you learned in this course? Hopefully, you now know more about the collective bargaining
    process. If you think of it in the same light as a divorce process, it may be easier to understand. You have two
    teams that are connected through a relationship, but the relationship is no longer working. It is far better for
    everyone involved if the negotiation process to change the relationship is a process of honesty and trust. The
    opposing teams must be respectful and work together toward a common solution rather than to fight, cheat,
    lie, and otherwise hurt each other. Bad behavior has consequences including sanctions and interference from
    outside agencies. This is true for both the collective bargaining process and the divorce process. In both
    cases, the courts can order the parties to go to mediation or arbitration.

    The best takeaway from this course is that either side cannot over prepare for collective bargaining. Both
    parties must review the last contract and know it inside and out. You want to know what did and did not work
    in the previous contract and why. In our HCC case, if we were on the management team, we would want to
    know why there are 50 grievances outstanding. Although they are not money-related issues, a grievance is an
    indication of a problem. The problem might be process or procedure related, but it is still a problem that
    warranted a grievance. What is the nature of the problem or problems, and how can they be fixed during this
    new contract period? The union wants management to address the 50 grievances in the union’s favor as a
    bargaining chip, but how is it that 50 cases got stacked up? That is an issue that must be resolved in the

    HRM 6304, Labor Relations and Collective Bargaining 4

    UNIT x STUDY GUIDE
    Title

    current contract being negotiated. How can management improve the resolution process so that this issue of
    stacked grievances does not happen again?

    When preparing for negotiations, the teams need to look outside the organization to see what the rest of the
    industry is doing, what the community is doing, and what the trends are in recent labor contract settlements.
    Once they gather the data, they need to prepare a list of demands and justification for those demands based
    on the information gathered. It is also a good idea to prepare for the other party’s demands by being ready to
    counter their offer. Just as in a divorce, you want to know exactly what the other party is capable of delivering
    and be able to support your demands realistically. The teams need to look at the bigger picture and even look
    at the global picture when negotiating collective bargaining agreements. Many organizations move their
    operations overseas, so negotiation must take that possibility into account. The more prepared team stands
    the best chance of being the winning team.

    Reference

    Holley, W. H., Jr., Ross, W. H., & Wolters, R. S. (2017). The labor relations process (11th ed.). Cengage

    Learning. https://online.vitalsource.com/#/books/9781337025959

    **## LaborRelationsandCollectiveBargainingHRM6304UnitVIIIJournal.docx**

    2

    Labor Relations and Collective Bargaining HRM 6304 Unit VIII Journal

    You have been asked to make a short speech to the executive team on how this course could help shape labor relations within the organization, including the history of the American labor movement, dispute resolutions, avoidance, models, strategies, and techniques. Reflect on the course and thoroughly explain your rationale.

    Ensure your journal entry is at least three pages in length but is no longer than four pages in length, is double-spaced, and uses 12- point Times New Roman font with one-inch margins. Section headings/subheadings should be used to help organize your paper. Journal posts should include a full title page including your name, and double-space all submissions.

    **## UnitVIIIStudyGuide.pdf**

    HRM 6304, Labor Relations and Collective Bargaining 1

    Course Learning Outcomes for Unit VIII

    Upon completion of this unit, students should be able to:

    6. Compare and contrast negotiation models, strategies, and tactics.
    6.1 Compare and contrast labor relations in the public and private sectors.
    6.2 Evaluate labor relations in other countries.

    Required Unit Resources

    Chapter 13: Labor Relations in the Public Sector, pp. 651–685

    Chapter 14: Labor Relations in Multinational Corporations and in Other Countries, pp. 702–746

    Unit Lesson

    Welcome to Unit VIII! Here we are in our last unit of the course on management and labor unions and the
    collective bargaining process. In the previous unit, we looked at what happens if our team efforts are not
    successful and we must consider an arbitrator or the strike/lockout option.

    Strikes and lockouts are usually last resorts. Union members typically strike if they feel unjustly treated. They
    blame management for the current issues, or the organizational culture is such that it supports a walkout
    (e.g., the employees feel they are not being treated with respect or fairness). If we refer back to our case,
    Harper Container Company (HCC) and the United Chemical and Plastics Workers Union (UCPW), we know
    the organizational culture has a history of caring for the employees. This is underscored by the low turnover
    rates and employee longevity. However, why are 50 grievances unanswered? Blaming management might be
    the reason the union membership voted to strike if they do not get a raise, but if management is sincere in
    caring about the employees, they need to plan for a raise. The management team will have to demonstrate
    this caring culture by how they negotiate the contract. The tricky part will be getting the union membership to
    understand that the equipment upgrade is essential. Persuasion might not be too difficult given the upgrades
    are a part of a federal mandate. The harder part will be the reduction of 30 of the highest-paying jobs due to
    the equipment upgrade.

    Depending on how the management team can bargain with the other issues on the table will determine if the
    union membership decides to strike. There are options for union members if they strike because there are
    other plants in the local area where they can seek employment. The problem is when you leave one
    company, you start at the bottom at the new company in terms of seniority and leave time. The management
    team will need to highlight the advantages and convince the union membership to accept the final offer.
    Negotiations combine the art of persuasion with developing trusting relationships and offering convincing
    arguments as to why certain issues deserve attention and acceptance and others can be traded or tabled until
    the next contract.

    UNIT VIII STUDY GUIDE
    Public Sector and
    Multinational Labor Relations

    HRM 6304, Labor Relations and Collective Bargaining 2

    UNIT x STUDY GUIDE
    Title

    One area to address is contract maintenance. Once
    both parties have reached an agreement and the
    union membership has approved, they have a
    contract they must work within for the next 3 to 5
    years. Both parties must be familiar with the contract
    because those will be the terms of engagement or
    guidelines until the next negotiation period. Both
    parties must be aware of what the contract
    stipulates in terms of what can be negotiated during
    the lifetime of the contract and what cannot. In our
    HCC case, both parties need to be clear that when
    the equipment upgrade is made, the 30 employees
    will be moved to other positions to cover the 24/7
    operations. If another reduction becomes necessary
    in a year or two, both parties must be clear as to
    what happens to those employees. The key to
    success during the life of the contract will depend on
    open and honest communication.

    Unions were very popular from the 1920s to the
    1950s. Back then, the work environment was much
    more harsh, unsanitary, and unsafe. As times
    changed, so did the laws to protect workers, such as
    age restrictions on children working instead of going
    to school, protective gear, and machines to do the
    harder and more dangerous work. For example,

    many coal miners in West Virginia would come home from work covered in black coal dust from head to toe
    and with no protective gear. Many died of black lung disease directly related to working in those mines.
    Today, coal miners are required to wear protective gear and can be terminated for not wearing it, and
    machines do most of the work of digging out the coal. In the past, children often started working in the mines
    at 15 years old. That simply would not happen today.

    In the 1950s, American unions were very powerful and had a voice in the government because they were so
    large and represented so many citizens. Today, unions do not have a voice in government.

    HRM 6304, Labor Relations and Collective Bargaining 3

    UNIT x STUDY GUIDE
    Title

    U.S. unions are often very different from those of
    other countries. For example, the United States is
    running about 13% union coverage whereas
    Mexico and Canada are closer to 30%. Countries
    like Finland, Sweden, and Belgium are 52–70%
    unionized. The government controls unions in
    Mexico, and the Labor Party controls unions in
    Great Britain.

    Unions have different rules and, like union shops
    here in the United States, the employees may or
    may not have a choice in joining the union. The
    teamsters were once very powerful in the United
    States, but situations have since changed.
    People got tired of the corruption and violence,
    laws changed, and union membership declined
    significantly. 50 years ago, most working people
    in the United States were union members; but
    back then, there were many more manufacturing
    jobs than there are now. Those jobs are gone
    and with them union membership. 50 years ago,
    the unions represented lower-class citizens, but
    this is not so anymore. Even today, in some
    states in the South, it is against the law to join a
    union—at least for some public-sector
    employees. On the other hand, in some states,
    there are still high concentrations of union
    employees: New York, Alaska, and Hawaii are
    examples. If it were not for the growth of unions
    in the public sector since the late 1960s, union
    membership would be much less than it is today.

    In what types of jobs do we see unions? Those would be the low-paying, underappreciated jobs such as
    teachers, firefighters, police officers, public transportation drivers, and nurses. It is a sad fact that the least is
    paid to those we depend on the most. Not surprisingly, they will be the ones who will strike for better wages
    and better working conditions. In times of recession, there is more interest in unions, but until they recognize
    and represent every working person, membership will not increase significantly.

    Unions in the United States are trying to increase membership by making the appeal that labor rights (the
    right to form and join a union) is a basic human right. Unions are looking for public support of unions to fight
    the huge employer opposition that currently exists.

    What have you learned in this course? Hopefully, you now know more about the collective bargaining
    process. If you think of it in the same light as a divorce process, it may be easier to understand. You have two
    teams that are connected through a relationship, but the relationship is no longer working. It is far better for
    everyone involved if the negotiation process to change the relationship is a process of honesty and trust. The
    opposing teams must be respectful and work together toward a common solution rather than to fight, cheat,
    lie, and otherwise hurt each other. Bad behavior has consequences including sanctions and interference from
    outside agencies. This is true for both the collective bargaining process and the divorce process. In both
    cases, the courts can order the parties to go to mediation or arbitration.

    The best takeaway from this course is that either side cannot over prepare for collective bargaining. Both
    parties must review the last contract and know it inside and out. You want to know what did and did not work
    in the previous contract and why. In our HCC case, if we were on the management team, we would want to
    know why there are 50 grievances outstanding. Although they are not money-related issues, a grievance is an
    indication of a problem. The problem might be process or procedure related, but it is still a problem that
    warranted a grievance. What is the nature of the problem or problems, and how can they be fixed during this
    new contract period? The union wants management to address the 50 grievances in the union’s favor as a
    bargaining chip, but how is it that 50 cases got stacked up? That is an issue that must be resolved in the

    HRM 6304, Labor Relations and Collective Bargaining 4

    UNIT x STUDY GUIDE
    Title

    current contract being negotiated. How can management improve the resolution process so that this issue of
    stacked grievances does not happen again?

    When preparing for negotiations, the teams need to look outside the organization to see what the rest of the
    industry is doing, what the community is doing, and what the trends are in recent labor contract settlements.
    Once they gather the data, they need to prepare a list of demands and justification for those demands based
    on the information gathered. It is also a good idea to prepare for the other party’s demands by being ready to
    counter their offer. Just as in a divorce, you want to know exactly what the other party is capable of delivering
    and be able to support your demands realistically. The teams need to look at the bigger picture and even look
    at the global picture when negotiating collective bargaining agreements. Many organizations move their
    operations overseas, so negotiation must take that possibility into account. The more prepared team stands
    the best chance of being the winning team.

    Reference

    Holley, W. H., Jr., Ross, W. H., & Wolters, R. S. (2017). The labor relations process (11th ed.). Cengage

    Learning. https://online.vitalsource.com/#/books/9781337025959