Keeping money safe while also allowing withdrawals when needed.
Issuance of chequebooks so that bills can be paid and other kinds of payments can be delivered by post

Communication theory is a field of information theory and mathematics that studies the technical process of information and the process of human communication.
Consumer goods are goods that are ultimately consumed rather than used in the production of another good.
Education is the process of facilitating learning. Knowledge, skills, values, beliefs, and habits of a group of people are transferred to other people discussion, teaching, training, or research.
The electrical utility industry is a major provider of energy in most countries. An electric utility is an electric power company utility that engages in the generation, transmission.

The Internet of Things (IoT) is the network of physical objects or “things” embedded with electronics, software, sensors, and network connectivity, which enables these objects to collect and exchange data.

The Internet of Things allows objects to be sensed and controlled remotely across existing network infrastructure, creating opportunities for more direct integration between the physical world and computer-based systems, and resulting in improved efficiency, accuracy and economic benefit;when IoT is augmented with sensors and actuators, the technology becomes an instance of the more general class of cyber-physical systems, which also encompasses technologies such as smart grids, smart homes, intelligent transportation and smart cities.

Each thing is uniquely identifiable through its embedded computing system but is able to interoperate within the existing Internet infrastructure. Experts estimate that the IoT will consist of almost 50 billion objects by 2020.

Human capital is the stock of knowledge, habits, social and personality attributes, including creativity, embodied in the ability to perform labor so as to produce economic value.

Alternatively, Human capital is a collection of resources—all the knowledge, talents, skills, abilities, experience, intelligence, training, judgment, and wisdom possessed individually and collectively by individuals in a population. These resources are the total capacity of the people that represents a form of wealth which can be directed to accomplish the goals of the nation or state or a portion thereof.

It is an aggregate economic view of the human being acting within economies, which is an attempt to capture the social, biological, cultural and psychological complexity as they interact in explicit and/or economic transactions. Many theories explicitly connect investment in human capital development to education, and the role of human capital in economic development, productivity growth, and innovation has frequently been cited as a justification for government subsidies for education and job skills training.

Experience design (XD) is the practice of designing products, processes, services, events, omnichannel journeys, and environments with a focus placed on the quality of the user experience and culturally relevant solutions.

An emerging discipline, experience design draws from many other disciplines including cognitive psychology and perceptual psychology, linguistics, cognitive science, architecture and environmental design, haptics, hazard analysis, product design, theatre, information design, information architecture, ethnography, brand strategy, interaction design, service design, storytelling, heuristics, technical communication, and design thinking

In its commercial context, experience design is driven by consideration of the moments of engagement, or touch points, between people and brands, and the ideas, emotions, and memories that these moments create. Commercial experience design is also known as customer experience design

Enterprise risk management (ERM) in business includes the methods and processes used by organizations to manage risks and seize opportunities related to the achievement of their objectives.

ERM provides a framework for risk management, which typically involves identifying particular events or circumstances relevant to the organization’s objectives (risks and opportunities), assessing them in terms of likelihood and magnitude of impact, determining a response strategy, and monitoring progress.

By identifying and proactively addressing risks and opportunities, business enterprises protect and create value for their stakeholders, including owners, employees, customers, regulators, and society overall.

Manufacturing engineering is a discipline of engineering dealing with different manufacturing practices and includes the research, design and development of systems, processes, machines, tools, and equipment. The manufacturing engineer’s primary focus is to turn raw materials into a new or updated product in the most economic, efficient, and effective way possible.

Manufacturing engineers develop and create physical artifacts, production processes, and technology. It is a very broad area which includes the design and development of products.

The manufacturing engineering discipline has very strong overlaps with mechanical engineering, industrial engineering, production engineering, electrical engineering, electronic engineering, computer science, materials management, and operations management. Manufacturing engineers’ success or failure directly impacts the advancement of technology and the spread of innovation.