Save the date! 'Unlock the POWER of Sustainability' online training seminar on 30 January 2024 at 9:30am (GMT). Mark the date and tim šæUnlock The Power of Sustainability: Online Seminar for Your Business Teamsšæ Book your place and join us on Tue Jan 30 2024 at 09:30:00 GMT (Greenwich Mean Time) for this seminar to help you and your teams embrace sustainability with confidence for maximum business benefits. This 90-minute sustainability training course will cover: ā Fundamentals of sustainability and what it means for businesses ā Myths about sustainability and 'Net Zero' that will hinder your progress ā Practical actions to integrate sustainability into your business strategy ā How to align sustainability with business priorities ā Getting 'buy in' from employees across the business ā Mistakes to avoid in transitioning from talk to tangible action Our masterclass goes beyond theory, learning about calculating carbon footprint in your business or even how many trees should be planted each year. Instead, we help employees, Directors and CEOs of limited companies and social enterprises to recognise that embracing sustainability isn't just about compliance! šLearn how you too can take a purposeful and strategic approach to enhance competitiveness and turbo charge growth.š Register now for this transformational seminar that will help you take action for immediate implementation! šæDon't miss this opportunity to future-proof your business and gain a competitive edge!šæ
The aim of this course is to provide learners with a comprehensive understanding of key marketing concepts and strategies, including marketing techniques, setting marketing objectives and strategy, marketing segmentation and targeting, different market segments, profiling markets, and positioning segmented markets.The course will also cover marketing segmentation and targeting, including an overview of different market segments and how to effectively target them. Learners will gain an understanding of how to segment markets based on demographics, psychographics, behavior, and other factors, and how to develop targeted marketing campaigns that resonate with each segment.After the successful completion of the course, you will be able to learn about the following, What are the marketing techniques? How to set marketing objectives and strategy? What is marketing segmentation and targeting? What are different market segments? What is profiling markets? How to position segmented markets? Marketing is a critical component of any business strategy, and this course will provide learners with a solid foundation in key marketing concepts and strategies. The course will begin by covering marketing techniques, including advertising, direct marketing, public relations, sales promotions, personal selling, and content marketing. Learners will gain an understanding of each technique and how to effectively use them in a marketing campaign. Marketing is a critical component of any business strategy, and this course will provide learners with a solid foundation in key marketing concepts and strategies. The course will begin by covering marketing techniques, including advertising, direct marketing, public relations, sales promotions, personal selling, and content marketing. Learners will gain an understanding of each technique and how to effectively use them in a marketing campaign. VIDEO - Course Structure and Assessment Guidelines Watch this video to gain further insight. Navigating the MSBM Study Portal Watch this video to gain further insight. Interacting with Lectures/Learning Components Watch this video to gain further insight. Segmenting And Targeting Strategies Self-paced pre-recorded learning content on this topic. Segmenting and Targeting Strategies Put your knowledge to the test with this quiz. Read each question carefully and choose the response that you feel is correct. All MSBM courses are accredited by the relevant partners and awarding bodies. Please refer toĀ MSBM accreditationĀ in about us for more details. There are no strict entry requirements for this course. Work experience will be added advantage to understanding the content of the course. The certificate is designed to enhance the learner's knowledge in the field. This certificate is for everyone eager to know more and get updated on current ideas in their respective field. We recommend this certificate for the following audience. Marketing Manager Marketing Director Digital Marketing Specialist Marketing Consultant Marketing Analyst Marketing Strategist Advertising Executive Sales Manager with marketing experience Public Relations Manager Chief Marketing Officer (CMO) Average Completion Time 2 Weeks Accreditation 3 CPD Hours Level Advanced Start Time Anytime 100% Online Study online with ease. Unlimited Access 24/7 unlimited access with pre-recorded lectures. Low Fees Our fees are low and easy to pay online.
Duration 3 Days 18 CPD hours This course is intended for This course is aimed at people in senior roles including CIOs, chief digital officers and other aspiring CxOs, as well as consultants and others involved in digital transformations, service delivery and strategic delivery. Overview By the end of this course, you will understand: The internal and external factors to consider while crafting digital strategy How IT strategy differs from digital strategy and how they can be integrated Creating a digital strategy that achieves the most value from digital Implementing and sustaining digital strategy Developing and nurturing digital capabilities for continual business innovation and value co-creation This course takes you on a digital strategy journey. Its iterative, eight-step model moves from ?vision? through to ?actions? and is about creating sustainable, digital momentum. You experience the four key capabilities to develop a holistic, digital capability framework: digital leadership, managing innovation and emerging technologies, risk management and structuring a digital enterprise. This class includes an exam voucher. Prerequisites Delegates attending this course must have successfully achieved the ITIL 4 Foundation Qualification; your certificate must be presented as documentary evidence to gain admission to this course. Although there is no mandatory requirement, ideally candidates should have at least two years professional experience working in IT Service Management. 1 - ITIL GUIDING PRINCIPLES TO ALL ASPECTS OF DIGITAL AND IT STRATEGY Focus on Value Start Where You Are Progress Iteratively with Feedback Collaborate and Promote Visibility Think and Work Holistically Keep It Simple and Practical Optimise and Automate 2 - LEVERAGE DIGITAL STRATEGY TO REACT TO DIGITAL DISRUPTION Digital Technology Digital Business Digital Organisation Digitisation Digital Transformation Business Strategy and Business Models Digital and IT Strategy Products Services Relationship Between Digital, IT Strategy and Components of ITIL SVS. 3 - RELATIONSHIP BETWEEN CONCEPTS OF DIGITAL AND IT STRATEGY, SERVICE VALUE SYSTEM AND SERVICE VALUE CHAIN Environmental Analysis External Analysis: PESTLE Internal Analysis: Four Dimensions of Service Management 4 - HOW AN ORGANISATION USES DIGITAL AND IT STRATEGY TO REMAIN VIABLE IN ENVIRONMENTS How an Organisation?s Viability is Related to Agile, Resilient, Lean, Continuous and Co-Creational it is How to Analyse the VUCA Factors and Address them in a Digital and IT Strategy Organisation?s Position in a Particular Market or Industry Digital Positioning Tool to Determine Appropriate Position for a Digital Organization 5 - EXPLAIN AND COMPARE THREE LEVELS OF DIGITAL DISRUPTION Ecosystem Industry/Market Organisational Influenced factors Achieving Customer/Market Relevance Achieving Operational Excellence Internal and External Focus Balanced Approach 6 - STRATEGIC APPROACHES BY DIGITAL AND IT TO ACHIEVE CUSTOMER/MARKET RELEVANCE AND OPERATIONAL EXCELLENCE How to Apply Approaches to Achieve Customer/Market Relevance Customer Journeys Omnichannel Delivery and Support Context-Sensitive Delivery and Support Customer Analytics Customer Feedback and 360ĆĀø Approaches How to Achieve Operational Excellence in the Four Dimensions of Service Management Understand the Financial Aspects of Digital and IT Strategy in Terms of the Following Financial Policies Portfolio Optimization Funding Projects, Products and Services Balancing Cost of Innovation and Operation Charging Models Assess Strategic Approaches for Digital Organizations 7 - RISKS AND OPPORTUNITIES OF DIGITAL AND IT STRATEGY Concept of Risk Management in the Context of a Digital Organisation Context of Digital and IT Strategy Identify Risk Assess Risk Concept of Risk Posture and Show How to Determine an Acceptable Balance Between Opportunity and Risk Explain the Concept of Innovation, Including its Key Elements and Techniques Apply Techniques to Develop and Maintain a Culture of Innovation 8 - STEPS AND TECHNIQUES INVOLVED IN DEFINING AND ADVOCATING FOR DIGITAL AND IT STRATEGY How to Use Digital Readiness Assessment to Perform Gap Analysis Between an Organisation?s Current and Desired Positions Approaches for Scraping Data from Dynamic Websites How to Define and Communicate a Vision and a Strategy How to Use Business Cases to Advocate for a Digital and IT Strategy 9 - IMPLEMENTATION OF A DIGITAL AND IT STRATEGY How to Define Operating Models for Digital Organisations Major Skills Required of Leaders in Digital Organisation Apply Approaches to Strategy Coordination and Implementation: Large-Scale Transformation Incremental Transformation Mergers and Acquisitions Individual Changes Approaches to POMs (Parallel Operating Models) How to Assess Success of a Digital and IT Strategy Typical Activities of a Digital Transformation Programme
This course aims to provide learners with a comprehensive understanding of the impact of information systems on organizations and business firms. The course will explore the concept of competitive advantage and its dimensions and how strategic information systems can be used to achieve and sustain competitive advantage. Learners will also learn about the various types of information systems, their use in supporting business processes, and how to align IS strategy with business strategy. Additionally, the course will cover the impact of the internet on competitive advantage, Porter's Five Forces, and the Value Chain Analysis. After the successful completion of the course, you will be able to learn about the following, Organization and Information Systems and How Information Systems Impact Organizations and Business Firms? Competency, Competitive Advantage, its dimensions. Strategic Information System. Types of Information System Strategies. Management Information System and Competitive Advantage. The Internet's Impact on Competitive Advantage. Porter's Five Forces and Competitive Advantage. The Value Chain Analysis and Competitive Advantage. Information Systems Products and Services. Types of Information Systems to Support Business Processes. Alignment Between IS Strategy and Business Strategy. The People in Information Systems. This course will give learners an in-depth understanding of the relationship between information systems and organizations. The course will begin by exploring the concept of competitive advantage and its dimensions and how information systems can be used to achieve and sustain competitive advantage. Learners will learn about the different types of information systems strategies, including strategic information systems, management information systems, and the internet's impact on competitive advantage. This course will provide learners with an in-depth understanding of the relationship between information systems and organizations. The course will begin by exploring the concept of competitive advantage and its dimensions, and how information systems can be used to achieve and sustain competitive advantage. Learners will learn about the different types of information systems strategies, including strategic information systems, management information systems, and the internet's impact on competitive advantage. VIDEO - Course Structure and Assessment Guidelines Watch this video to gain further insight. Navigating the MSBM Study Portal Watch this video to gain further insight. Interacting with Lectures/Learning Components Watch this video to gain further insight. Appraising Information Systems and Organisation Strategy Self-paced pre-recorded learning content on this topic. Appraising Information Systems and Organisation Strategy Put your knowledge to the test with this quiz. Read each question carefully and choose the response that you feel is correct. All MSBM courses are accredited by the relevant partners and awarding bodies. Please refer toĀ MSBM accreditationĀ in about us for more details. There are no strict entry requirements for this course. Work experience will be added advantage to understanding the content of the course. The certificate is designed to enhance the learner's knowledge in the field. This certificate is for everyone eager to know more and get updated on current ideas in their respective field. We recommend this certificate for the following audience. Business Owners Entrepreneurs Managers and Executives IT Professionals Marketing Professionals Average Completion Time 2 Weeks Accreditation 3 CPD Hours Level Advanced Start Time Anytime 100% Online Study online with ease. Unlimited Access 24/7 unlimited access with pre-recorded lectures. Low Fees Our fees are low and easy to pay online.
The aim of this course is to provide learners with a comprehensive understanding of strategic positioning and the steps involved in the process. Learners will also gain an understanding of the Ansoff Matrix and Bowman's Strategic Clock, as well as an understanding of strategic options, product life cycle, and its goals. After the successful completion of the course, you will be able to learn about the following, Defining Strategic Positioning. Steps Involved in strategic Positioning. AnsSteps Involved in strategic Positioning. off Matrix In positioning. Bowman's Strategic Clock. Understand Strategic Options. Product Life Cycle and its goals. Strategic positioning is a critical component of any business strategy. It involves identifying and defining the unique characteristics and competitive advantages of a company, product, or service, and positioning it in the market to achieve its goals. This course will provide learners with a comprehensive understanding of strategic positioning, including the steps involved in the process, the Ansoff Matrix, Bowman's Strategic Clock, strategic options, product life cycle, and its goals. Strategic positioning is a critical component of any business strategy. It involves identifying and defining the unique characteristics and competitive advantages of a company, product, or service, and positioning it in the market to achieve its goals. This course will provide learners with a comprehensive understanding of strategic positioning, including the steps involved in the process, the Ansoff Matrix, Bowman's Strategic Clock, strategic options, product life cycle, and its goals. VIDEO - Course Structure and Assessment Guidelines Watch this video to gain further insight. Navigating the MSBM Study Portal Watch this video to gain further insight. Interacting with Lectures/Learning Components Watch this video to gain further insight. Strategic Positioning In the Business Environment Self-paced pre-recorded learning content on this topic. Strategic Positioning In the Business Environment Put your knowledge to the test with this quiz. Read each question carefully and choose the response that you feel is correct. All MSBM courses are accredited by the relevant partners and awarding bodies. Please refer toĀ MSBM accreditationĀ in about us for more details. There are no strict entry requirements for this course. Work experience will be added advantage to understanding the content of the course. The certificate is designed to enhance the learner's knowledge in the field. This certificate is for everyone eager to know more and get updated on current ideas in their respective field. We recommend this certificate for the following audience. Business Owners and Entrepreneurs Marketing Managers and Executives Product Managers and Brand Managers Sales Managers and Representatives Strategy Planners Business Development Managers Management Consultants Financial Analysts Marketing Researchers Average Completion Time 2 Weeks Accreditation 3 CPD Hours Level Advanced Start Time Anytime 100% Online Study online with ease. Unlimited Access 24/7 unlimited access with pre-recorded lectures. Low Fees Our fees are low and easy to pay online.
This one-day course introduces the field of user experience and provides an excellent entry point to our other specialised training courses. UX processes and practices have become a central component of product design, service design and web design.
Ć°ĀĀĀ Elevate Your Business with 'Strategic Trend Analysis for Business Advantage' Online Course! Ć°ĀĀĀ Ā Are you ready to steer your business towards unprecedented success by staying one step ahead of the competition? Introducing our groundbreaking online course: Ā Ć°ĀĀĀ Strategic Trend Analysis for Business Advantage Ā Ć°ĀĀĀ Unlock the Power of Strategic Trend Analysis: Module 1: Introduction Ć°ĀĀĀ Dive into the fundamentals of trend analysis and understand how it can revolutionize your business strategy. Gain insights into the impact of trends on industry landscapes. Module 2: Market Trends Examples Ć°ĀĀĀ Explore real-world examples of market trends that have reshaped businesses. Learn from the successes and failures of others, equipping yourself with invaluable knowledge for strategic decision-making. Module 3: Market Trends and Drivers in Depth Ć°ĀĀĀ¬ Delve deep into the core of market trends and drivers. Understand the forces shaping industries and discover how to identify opportunities for growth and innovation. Module 4: Steps in Determining Your Market Trends Ć°ĀĀĀŗĆÆĀøĀ Take actionable steps to analyze and determine the trends specific to your business niche. Uncover methodologies to align your business goals with emerging market trends, ensuring sustained success. Module 5: Workshop Ć°ĀĀĀ ĆÆĀøĀ Put your knowledge into practice with hands-on workshops. Gain practical experience in applying trend analysis techniques to your business context. Receive personalized feedback and guidance from industry experts. Ā Ć°ĀĀĀ Why Choose Our Course? Ć¢ĀĀ Expert-Led Learning: Learn from industry experts with a wealth of experience in strategic trend analysis. Ć¢ĀĀ Practical Application: Our workshop ensures you can immediately apply the knowledge gained to your business. Ć¢ĀĀ Comprehensive Curriculum: From basics to in-depth analysis, our course covers every aspect of strategic trend analysis. Ć¢ĀĀ Lifetime Access: Access course materials and updates for a lifetime, ensuring you stay ahead of evolving market trends. Ā Ć°ĀĀĀÆ Who Should Enroll? Business Owners Marketing Professionals Strategic Planners Entrepreneurs Anyone eager to gain a competitive edge in the business landscape Ā Ć°ĀĀĀ Enroll Now and Secure Your Business's Future! Don't miss this opportunity to transform your business strategy. Join 'Strategic Trend Analysis for Business Advantage' and position your business as a trendsetter in your industry. Ā Ć°ĀĀĀ Click [Enroll Now] to embark on a journey towards sustainable business growth and innovation! Ć°ĀĀĀ Course Curriculum Module 1- Introduction Market Trends Explained 03:16 Module 2- Market Trends Exanples Trends versus Fads 05:28 Trend Spotting 01:53 Megatrends 04:19 Module 3- Market Trends and Drivers in Depth Popular Trends in Common Industries NOT YET RATED 04:33 Trend Drivers 06:13 Researching Trends 02:08 Module 4- Steps in Determining Your Market Trends Step 1 Create a List of Trends 03:58 Step 2 Rate the Importance Level of Trends 01:49 Step 3 Evaluate the Trends 01:33 Module 6- Workshop Workshop - Market Trends in Action 01:17
Duration 3 Days 18 CPD hours This course is intended for Delegates attending this course must have successfully achieved the ITIL 4 Foundation Qualification; your certificate must be presented as documentary evidence to gain admission to this course. Ideally candidates should have at least two years professional experience working in IT Service Management. The ITIL 4 HVIT Qualification would most likely suit the following delegates: Individuals continuing of their journey in service management ITSM managers and aspiring ITSM managers IT managers and practitioners involved in digital services or working in digital transformation projects, working within or towards high velocity environments Existing ITIL qualification holders wishing to develop their knowledge The above list is a suggestion only. Delegates may take as few or as many Intermediate qualifications as they require, and to suit their needs. Overview This course has been created to help IT service management practitioners working in organizations that are becoming more digitally enabled. The practitioners are familiar with traditional IT service management concepts, and now want to be able to discuss ?digital? with more confidence, to develop practical competences, and to be valued contributors in the digital domain. They want to improve how they and their co-workers: Help get customers? jobs done ? helping customers become who they seek to become Keep raising the bar ? taking things to a significantly higher level Trust and are trusted ? as professional knowledge workers in a healthy workplace Accept ambiguity and uncertainty - not scared of not knowing an answer Commit to continual learning ? all as part of their daily work The scope of the course is the primary activities in the digital value chain. In other words, what the practitioner does and which resources they use across the lifecycle of digital products, in order to: Make the right digital investments Realize and deliver digital products and services quickly Provide digital products and services that are highly resilient to disruption Ensure that the service consumer realizes value from the digital products and services Assure conformance of activities with governance, risk and compliance requirements. Understand and know how to use the key principles and methods of Organizational Change Management to direction, planning and improvement Understand and know how to use the key principles and methods of measurement and reporting in directing, planning and improvement Understand and know how to direct, plan and improve value streams and practices ITIL 4 is a framework for quality IT service management (ITSM) through proven best practice, providing practical and flexible guidance to support your organization on its journey to digital transformation while empowering your IT teams to continue to play a crucial role in the wider business strategy. This course highlights the ways in which digital organizations and digital operating models function in high-velocity environments, including the use of working practices such as Agile and Lean, and technical practices and technologies such as Cloud, Automation, and Automatic Testing. This class includes an exam voucher. Prerequisites ITILĆĀ© 4 Foundation 1 - THE NATURE OF HIGH-VELOCITY IN A DIGITAL WORLD Overview of the key ITIL 4 high-velocity terminology Understand when the transformation to high velocity IT is desirable and feasible Understand the five objectives associated with digital products ? to achieve: Valuable investments ? strategically innovative and effective application of IT Fast development - quick realization and delivery of IT services and IT-related products Resilient operations - highly resilient IT services and IT-related products Co-created value - effective interaction between service provider and consumer Assured conformance - to governance, risk and compliance (GRC) requirements. 2 - ITIL OPERATING MODEL ? DIGITAL PRODUCT LIFECYCLE Understand how high velocity IT relates to: The four dimensions of service management The ITIL service value system The service value chain The digital product lifecycle 3 - FUNDAMENTAL CONCEPTS FOR DELIVERING HVIT Understand the following concepts: Ethics Safety culture Toyota Kata Lean / Agile / Resilient / Continuous Service-dominant logic Design thinking Complexity thinking Use the principles, models and concepts to contribute to: Help get customers? jobs done Trust and be trusted Commit to performance Deal with uncertainty Improve by being inquisitive 4 - ACHIEVING VALUE WITH DIGITAL PRODUCTS Know how the service provider ensures valuable investments are achieved. Know how to use the following practices to contribute to achieving valuable investments: Portfolio management Relationship management Know how the service provider ensures fast deployment is achieved Know how to use the following practices to contribute to achieving fast deployment: Architecture management Business analysis Deployment management Service validation and testing Software development and management Know how the service provider ensures resilient operations are achieved Know how to use the following practices to contribute to achieving resilient operations: Availability management Capacity and performance management Monitoring and event management Problem management Service continuity management Infrastructure and platform management Know how the service provider ensures co-created value is achieved Know how to use the following practices to contribute to achieving co-created value with the service consumer: Relationship management Service design Service desk Know how the service provider ensures assured conformance is achieved Know how to use the following practices to contribute to achieving assured conformance: Information security management Risk management
Course Overview IT asset departments are crucial to business strategy, yet they often get overlooked.Ā The How to Start an IT Asset Department course will teach you everything you need to know to set up an effective IT asset management (ITAM) team, equipping you with the skills and knowledge to manage costs, reduce financial risk, and improve business value. It covers the life cycle of an asset in detail, as well as best practices for implementing an ITAM department.Ā This course is ideal for IT professionals, procurement managers, operations managers, and anyone who wants to learn how an ITAM team is run. Find out why your business needs ITAM by enrolling today. This best selling How to Start an IT Asset Department has been developed by industry professionals and has already been completed by hundreds of satisfied students. This in-depth How to Start an IT Asset Department is suitable for anyone who wants to build their professional skill set and improve their expert knowledge. The How to Start an IT Asset Department is CPD-accredited, so you can be confident you're completing a quality training course will boost your CV and enhance your career potential. The How to Start an IT Asset Department is made up of several information-packed modules which break down each topic into bite-sized chunks to ensure you understand and retain everything you learn. After successfully completing the How to Start an IT Asset Department, you will be awarded a certificate of completionĀ as proof of your new skills. If you are looking to pursue a new career and want to build your professional skills to excel in your chosen field, the certificate of completion from the How to Start an IT Asset Department will help you stand out from the crowd. You can also validate your certification on our website. We know that you are busy and that time is precious, so we have designed the How to Start an IT Asset Department to be completed at your own pace, whether that's part-time or full-time. Get full course access upon registration and access the course materials from anywhere in the world, at any time, from any internet-enabled device.Ā Our experienced tutors are here to support you through the entire learning process and answer any queries you may have via email.
In this course, you will explore the challenges facing strategy implementation and learn how to overcome common obstacles that can impede progress. From resistance to change to lack of resources, this course will equip you with the tools and techniques needed to effectively implement your strategic plan. Organizational structures and control are also critical factors in strategy implementation. You will learn about different organizational structures and control systems and how to align them with your strategic goals. By understanding the relationship between strategy and structure, you will be able to design an organization that is optimized for success. The role of a strategic center firm is another key aspect of strategy implementation. You will gain insights into the function of a strategic center and how it can support the implementation of your business strategy. After the successful completion of the course, you will be able to learn about the following, Understand the nature of strategy implementation. Elaborate on the challenges facing strategy implementation. Explain different organisational structures and control. Illustrate the relationship between the strategy and structure of an organisation. Understand how role of a strategic centre firm. In this course, you will explore the challenges facing strategy implementation and learn how to overcome common obstacles that can impede progress. From resistance to change to lack of resources, this course will equip you with the tools and techniques needed to effectively implement your strategic plan. Organizational structures and control are also critical factors in strategy implementation. You will learn about different organizational structures and control systems and how to align them with your strategic goals. By understanding the relationship between strategy and structure, you will be able to design an organization that is optimized for success. The role of a strategic center firm is another key aspect of strategy implementation. You will gain insights into the function of a strategic center and how it can support the implementation of your business strategy. VIDEO - Course Structure and Assessment Guidelines Watch this video to gain further insight. Navigating the MSBM Study Portal Watch this video to gain further insight. Interacting with Lectures/Learning Components Watch this video to gain further insight. Concepts in Strategy Evaluation Self-paced pre-recorded learning content on this topic. Concepts in Strategy Evaluation Put your knowledge to the test with this quiz. Read each question carefully and choose the response that you feel is correct. All MSBM courses are accredited by the relevant partners and awarding bodies. Please refer toĀ MSBM accreditationĀ in about us for more details. There are no strict entry requirements for this course. Work experience will be added advantage to understanding the content of the course. The certificate is designed to enhance the learner's knowledge in the field. This certificate is for everyone eager to know more and get updated on current ideas in their respective field. We recommend this certificate for the following audience. CEO, Director, Manager, Supervisor Business executives and leaders Management consultants Strategic planners MBA students and graduates Project managers Change management professionals Average Completion Time 2 Weeks Accreditation 3 CPD Hours Level Advanced Start Time Anytime 100% Online Study online with ease. Unlimited Access 24/7 unlimited access with pre-recorded lectures. Low Fees Our fees are low and easy to pay online.