Services

(*)educational_entrepreneurial_programme (83)
Accelerator (259)
Business failure (10)
Business model (1779)
Business plan (274)
Capital (1643)
Competition (1972)
Creative intelligence (1)
Crowdfunding (385)
Demand (1701)
Design thinking (53)
Economics (14694)
Elastic (2)
Elevator pitch (1)
Enterprise (7111)
Entrepreneurship (4207)
Entrpreneur (7)
Environment (5530)
Factors of production (5)
Foundational skills (3069)
Ideation (25)
Incubator (565)
Intrapreneur (16)
Investment (6295)
Mind map (2)
Minimum viable product (1)
Opportunity (4010)
Profit (1261)
Prototype (315)
Scalability (148)
Scarcity (48)
Services (10495)
Start-up resources (2036)
Venture (2620)

Synopsis: Entrepreneurship: Services:


(Focus) Eunika Mercier-Laurent-The Innovation Biosphere_ Planet and Brains in the Digital Era-Wiley-ISTE (2015).pdf

Nevertheless, their visibility should be improved to facilitate the transformation of these promising results into products and services.

while inventors (all categories) think about the services their invention may provide. Businesses and their investors expect to make money through sales.

Gross domestic product, the monetary value of all the finished goods and services produced within a country's borders in a specific time period.

Integrated Services Digital Network IT: Information technology LCPC: Laboratoire central des ponts et chaussées MRI: Magnetic resonance imaging OECD:

and all the services it provides very quickly. Every click and like is tracked and used commercially.

The Internet and Web 2. 0 services may have created a lot of opportunities, but they have opened also a highway for cyber-criminality.

The Future Internet focuses on new network architectures and more useroriented services. Among the objectives are:

3 http://www. digiworldsummit. com. 10 The Innovation Biosphere Google has evolved from search engine to many other services related to data collected from users

In continuous improvement and real-time innovation, they forget the users they offer new services that they think we need.

smart objects and smart solutions to promote new administrative digital services, facilitate access to transport networks

Such remote services are of great environmental importance because they allow acting quickly at a distance, without traveling.

offering cloud services. We can certainly improve these results if only we could reduce the amount of e-mails

Daniel Byman (Professor in the Security Studies Program at the Edmund A. Welsh School of Foreign Services at Georgetown University) states that drones offer a comparatively low-risk way of targeting terrorists

services and experiences. It combines the concepts of ubiquitous technology, intelligent systems and advanced user interfaces AMI 14.

Ambient intelligence intends to provide personalization of services according to the users'preferences, for example tracking the user of a smartphone to suggest they buy

while in the majority of cases it is used to make tracked people buy products or services (clothes,

Offering the targeted services, corresponding to the user's real needs could be of great importance.

/22 The Innovation Biosphere services (ISDN, digitalization of networks and Minitel at home) influenced the emergence of innovative systems-oriented communication and exchange inside the housing and outwardly thereof.

What services can these technologies provide that may significantly improve our daily lives? do need we really a fridge that is able to order milk?

Services such as telemedicine, including distance diagnosis and monitoring, 9 http://www. naturalmachines. com/.24 The Innovation Biosphere and surgery are now available.

and services to offer a better life to older and dependent persons. Such services require some physical equipment to be connected using various networks

and controlled by specific software. Besides these technological solutions security, privacy and acceptance will be considered to ensure that the proposed solutions fit the requirement of older and dependent persons,

and automated services) for the elderly to allow them live independently in their own homes,

as well as parts, products and models thereof, to alter living or nonliving materials for the production of knowledge, goods and services OEC 05.

Drugs and a lot of services are readily available to make you slim. Many practice selfmedication drugs are available and often cheaper online. 11 https://www. gemeentewestland. nl.

In modern times, they (farmers) have been helped greatly by scientific research and innovation, sound professional education and high quality advisory services.

a specialist contractor in all mechanical and electrical services and an expert in energy performance.

services and methods taking into account the 5d impact. do need we really to grow to be happy?

We switched from manufacturing to new industries of services; from a local market to the global one;

Producing various services, it is now the largest and fastest growing sector of the economy in the Western world.

A plethora of services were born due to the Internet and smartphone. Technologyempowered communication, television (TV), cinema, video games, writing and creation of other cultural assets changed the need for skills.

and focuses on technological product innovation a technological product innovation is the implementation/commercialization of a product with improved performance characteristics such as to deliver objectively new or improved services to the consumer.

help in transfer capacity to project and small businesses in Africa, inclusion of prisoners via online business management, free services for students, social gardens with free vegetables, innovation

Designers of products have all the necessary knowledge to be used for related services, for example, software training.

however, the sectors of tertiary, such as entertainment, telecommunication services, cinema, creative and cultural industry, health, tourism, restaurants, banking and insurance, are concerned also with innovation involving knowledge about clients BEY 13.

Regional authorities in France focus on developing personal services, such as meal delivering, home services, senior sitting, etc.

Product service system (PSS), or servicizing, is a part of service innovation and a new business model.

the creation, evolution, exchange and application of new ideas into marketable goods and services for:

services or methods but also to capture new opportunities and new ideas. Figure 2. 3. e-co-innovation process 60 The Innovation Biosphere Innovation is seen here as a perpetuum mobile

and take advantage of the exchanges to improve their products and services, even to transform the clients'wishes into new offers.

or services and the sustainable success of companies. 2. 3. 3. 3. Way of thinking The way of thinking has consequences on the innovation capacity, efficiency of innovation and its impact.

image, creation of joint ventures to extend the initial market, rate of new products and services per year, environmental impact, participation of stakeholders, real-time learning, collaborative watch and opportunity hunting, financial

The awareness that services in combination with products could provide higher profits than products alone was probably a trigger for this move.

as well as unemployment and lack of workforce in the services areas such as tourism, hotels and restaurants, agriculture and others?

The relocation to Europe creates jobs in various services for expats. According to Confrontation Europe CEU 14

Supermarkets are offering services of mobile phone payement. To avoid the long lines, shoppers can just scan barcodes of the items they are picking out

Lack of businesses and convenience stores impacts the local budget for development of activities and services. Inhabitants are deprived of basic services, such as post offices bakeries,

groceries and medical services considered to be unprofitable. Many are elderly and cannot get around for the nearest services.

Yet the majority of these lost villages are beautiful and have the potential to be explored.

Some positive examples of such an evaluation should be shared and copied. For example, the region of Clermont-Ferrand decided to attract the young entrepreneurs.

or bringing back old, services, such as a social link through a postman, should be considered using a holistic approach.

For instance, knowledge-based services and creative industries are targeted frequently by service innovation policy, while the retail sector is targeted not by service innovation policy in any of the surveyed countries;

The services related to smart cities and other public services are mentioned not. The authors state that at present the value of service innovation across the industries is recognized not fully.

100 The Innovation Biosphere Figure 3. 3. Key services identified on the basis of their innovation activity KUU 12 3. 3. 1. Innovation policies in Europe Innovation

developing, producing and accessing new products, industrial processes and services which they consider vital for creating more jobs,

Future Internet Research and Experimentation Development research programs have been funded by the EU to foster research on the future developments of the Internet architecture, technology and services.

services and networking architecture; location independent, interoperable, coherent, consistent, scalable, pervasive, reliable, secure and efficient access to a coordinated set of services;

tools supporting collaborative business models and social network applications; technologies ensuring the robustness and security of the networks, managing identities,

and services and open to those who wish to improve these diamonds in the rough. Politicians are dreaming about growth,

For example, persons in charge of smart city projects have difficulties to directly collect the ideas or needs for services from inhabitants.

but social innovation and services are also developing. This trend is global all continents are innovating

innovation knows how to create products and services but not jobs; economy is task-centered instead of being centered people;

Drivers and passengers can use its audio interface to contact Onstar representatives for emergency services, vehicle diagnostics and directions.

as well as the technologies needed to integrate the vehicle diagnostics into public networks, call center operations and external services such as 911 emergency networks.

The above platform has been developed incrementally by adding other useful services that help not only clients but also other stakeholders such as police, insurance companies and others.

Such collaboration has multiple positive impacts competitive advantage for GM and their partners, more services for clients, contribution to fighting criminality and reduction of C02 emission due to guiding.

and prospering with assistance from the Kohala Rural and Cooperative Business Development Services team. They are making efforts to reduce their economically crippling dependence on imported fossil fuels,

This would help improve education and medical services, and contribute in some way to economic independence. To deal with information overload, new representations allow people to assimilate data in a simpler way not only through the use of existing visual channels,

and services delivery platform that provides real-time air quality information. The e-survey aims to gather information from Qatari citizens

Its objective was to deploy convergent Future Internet platforms and services for the promotion of sustainable lifestyles in and across emergent networks of smart peripheral cities in Europe

and enhances the Save Energy project's Social Information Architecture, integrating key new components sensor networks, real-time 3d and mobile location-based services with the Future Internet

(FI) paradigms of Internet of things, Internet of Services and Internet of People. It defines five Arenas specific urban spaces:

where mobile e-government services are delivered. Pilot projects have been initiated in Malm Sweden (SE), Bremen Germany (DE), Athens Greece (GR),

and computer sides converge for codesigning e-services with ICT on a Creativity Platform and therefore enhance the sharing of live subjective interpretations with Semiotic Web,

social and other public sector enterprises can build services and applications that benefit residents across India.

if the possibility was given to citizens to participate in improving this system or asking for specific services.

and early-stage projects into innovative products and services in areas of socioeconomic importance for the future.

The other cases described in the Open Innovation Yearbook 2014 are about innovation networks such as Oulu Innovation Alliance, Big data exploration, smart urban lighting and innovative services for lawyers.

helping the organization to invent new products, services and ways of working. Some of them are real breakthroughs;

While the impact for the organization having 150 The Innovation Biosphere an FC may be evaluated in terms of new products and services,

Agriculture (9), Air quality (4), Biodiversity (1), Cities (1), Construction (11), Energy efficiency (30), Industry (15), New services/business models (3), Recycling

functional mix in urban quarters (i e. residential, jobs and services; combine urban and building (object) reconstruction.

providing access to health care, education, services to older people and those with disabilities, connecting activities for better impact or connecting generations.

and technology may help to enhance services not only in traditional fields such as health, banking, insurance, tourism and other,

but also help in industry renewal, by offering services related to products. Several reports on service innovation are available.

allows mobile banking and mobile services, e-invoicing, e-identity, e-procurement and crowdfunding. Smart City represents an innovation in city management

and it provides innovative services to citizens, organizations and companies. e-Health and telemedicine are also examples of service innovation. 4. 4. Experiments in France For several years,

Faced with competition from China some companies went bankrupt leaving a precious space in the center of Paris. The association Silicon Sentier was born in 2000 with the aim to offer digital services in this area.

The association is also at origin of Digital District project, a laboratory for 154 The Innovation Biosphere experimentation of innovative services.

Since 2009, Greater Lyon has been leading a digital mission that includes an approach dedicated to innovative services

which digital technologies can improve our lives through new services. As a result, this approach has brought together domains as diverse as mobility, culture, tourism and the postcarbon city.

Web 2. 0 services are modifying the whole landscape everything becomes virtual e-and connected.

Another company called Greentech GRE 15b offers products and services such as modular natural turf, green roofs, roof gardens and urban agriculture.

clusters provide common services but crossfertilization is rather weak. Our life is too short to know everything;

and services that will make life easier. For example, a virtual assistant should be intelligent and able to provide directly the right answer to a customer's or visitor's questions.

and repair services such as with 3d printed spare parts. To increase the quality and reduce waste,

Prosumers would rather share physical goods and services instead of buying them, which is happening already,

BOU 12 BOUYGUES ENERGIES & SERVICES, Le drone pour diagnostic thermique l'inspection et la maintenance des centrales photovoltaïques, available at http://www. bouyguesenergiesservices

GAL 96 GALLOUJ C.,GALLOUJ F.,Innovation dans les services, Economica, 1996. Bibliography 191 GAL 12 GALLOIS L.,Pacte pour la compétitivité de l'industrie française, La Documentation Française, available at http://www. ladocumentationfrancaise


(Management for Professionals) Jan vom Brocke, Theresa Schmiedel (eds.)-BPM - Driving Innovation in a Digital World-Springer International Publishing (2015).pdf

and creative designs into new products, services, processes, or entire new business models. However, unlike most transactional processes such as purchasing, sales,

or location-based services lead to new revenue streams? The coexistence of demands for cost and revenue resilience, i e.,

17 Charles Møller Thinking Tri-laterally About Business Processes, Services and Business models: An Innovation Perspective...

and services utilizing new technologies. Having recognized the relevance of innovation in general and with regard to BPM in particular,

Internet providers for such services are omnipresent and Internet-togo use is growing as it becomes more and more affordable.

The primary focus of these processes lies in identifying innovations of products and services that generate additional business value.

and services often makes use of open innovation platforms such as the one from the coffee brand Starbucks,

and mobile apps, for example, are used increasingly to technologically support collective efforts to develop new products and services,

including the redesign of process steps through integrating IT products such as smart phones and tablets or IT services such as mobile apps.

Richard Welke presents Thinking Tri-laterally About Business Processes, Services and Business models: An Innovation Perspective.

He outlines the close connection of business models (as purpose of a service), services, and processes (as sequence of tasks in a service)

or MADE, presently consisting of 26 manufacturing companies, 5 universities and 2 technological services, and the confederation of Danish industries.

The fourth industrial revolution is enabled by the introduction of the Internet of things and Services into the manufacturing environment.

Thinking tri-laterally about business processes, services and business models: An innovation perspective. In J. vom Brocke & T. Schmiedel (Eds.

Business Process Innovation as an Enabler of Proactive Value Chains 29 Thinking Tri-laterally About Business Processes, Services and Business models:

An Innovation Perspective Richard J. Welke Abstract We propose a new, integrated way of thinking about processes, services and business models.

The starting point of this paper is that getting things done is the set of services the organization employs.

These services are broken often, ineffective and/or misaligned with client/users needs. Any attempt to preemptively or reactively respond to market change

or internal transformations must invariably rely on some of these (broken) services while, at the same time creating new ones that,

in turn, make use of preexisting services as building blocks. It is argued that services (both internal-and external-facing) are two things:

a business process (the how of a service), and a mini-business in its own right (the why of the service).

BPM Driving Innovation in a Digital World, Management for Professionals, DOI 10.1007/978-3-319-14430-6 3 31 1 Services and Processes 1. 1

what it does), a collection of services of varying levels of scope and specificity (granularity).

Larger, so-called end-to-end services that fulfill customer needs are at one end of the granularity spectrum,

while rather narrow services such as an order-approval, database request, or an ERP-based shipping receipt event entry are at the other end.

Larger services of the end-to-end variety are composed typically of (and rely on) lower level (more granular) services.

Creating or adapting the larger, end-to-end services is, in SOE thinking, a matter of composing

or recomposing lower-level, available services. Don't have need what you to achieve the service offering in mind?

Then create a new one, modify or extend an existing one, or find an alternative service provider that has

tertiary and lower level services associated with payments, accounting, network connectivity, etc. Instead, it has chosen to wire together (compose) existing services from other service providers to achieve the bulk of its end-to-end service offering to its customers,

and to differentiate its offering by selecting a very few bespoke services that distinctively meet their clients needs,

thereby offering a unique value proposition to its mobile customers. In general, an organizational service architecture, with decreasing levels of granularity, might appear as shown in Fig. 1 below. 32 R. J. Welke 1. 2 Service Types The word service invariably evokes different notions

At the other end of the spectrum are designed services to respond to prospective users (clients) with vaguely defined/formalized needs that

(and service provider) and the discovered/offered/Fig. 1 A service-oriented enterprise view Thinking Tri-laterally About Business Processes, Services and Business...

33 mandated services making or inferring a claim to be able to solve such problems (Christensen, 1997).

Invariably, in any discussion of services, the idea of products'arises. Aproduct is something that entity A sells (transfers ownership) to entity B (the customer.

Services, on the other hand, aim to solve a problem (however vaguely or narrowly defined) on a one-off,

Services, on the other hand, are solutions to a current problem. They are sometimes (in the marketing literature) referred to as value co-creation (Vargo, Maglio, & Akaka, 2008.

1. 3 Service Typology There are many other ways to classify services including: the organizational area served by the services,

it's granularity, its mode or channel of delivery (e g. web-based, walk-in bricks-and-mortar, etc.),

is that services can be classified from either the client or provider perspective (with the preferred interface type defined by either).

is that services can be classified from either the client or provider perspective (with the interface type defined by either).

How, operationally, the provider chooses to respond to this need (services operation typology) is up to them.

shown in Fig. 3. Fig. 2 Generic service typology Thinking Tri-laterally About Business Processes, Services and Business...

Credit request/authorization Manufacturing Production scheduling Zero-based budgeting Thinking Tri-laterally About Business Processes, Services and Business...

is a design decision that in Fig. 5 Service-process alignments Thinking Tri-laterally About Business Processes, Services and Business...

but that process can in turn draw upon internal and external services that are, in fact, simple services with standardized process executions.

, the principal, revenue-producing products and services. However, there's no reason why this thinking can't be scaled to suit any service within the organization.

as seen either from Fig. 6 Business model concept associations Fig. 7 Value proposition customer-facing elaboration Thinking Tri-laterally About Business Processes, Services and Business...

What made many of these more compelling is that they represent services as platforms for other services (and thus additional innovation) and

as well as steps in between, are applicable to services and processes (and their associated business models). It depends on the perspective

To do this they not only used some of their own internally managed services, but employed external services from others.

But to the travelling public they represented a one-stop shop. Alternatively, external providers now do many employee services that were provided once internally, by the organization.

Why? Because the internal service (e g.,, employee benefits, legal services, small item purchasing, employee travel) fail to adequately solve the employee or employers PTBS.

And, at some point, the gap grew large enough that rather than innovate the internal service they began using services that had already been innovated.

Even many previous core services of organizations, such as customer support, manufacturing and logistics have met similar fates.

The old adage, innovate or die applies with equal force to company's internal-and external-facing services

and underlying processes. 4. 2 Innovating with Service Composition While one can think about developing new service offerings

(and thus new processes to support these services), in reality many organizations use a combination of internally existing services,

along with externally available services to wire together new service offerings. What the end-customer sees is a new service offering from that organization.

Under the covers, there's a business process (typically supported by a BPMS or equivalent) that orchestrates these services,

while putting an organizational face on the end result. We previously noted Virgin Mobile as one that has done this masterfully.

Travel services, such as Priceline or Kayak. Or, financial information services such Thinking Tri-laterally About Business Processes

Services and Business...43 as Yodlee (who, in turn, sell their composition services to yet other financial organizations such as Fidelity on a white label basis). The basic pattern for this looks like (Fig. 8): 4. 3 Process Innovation

and Improvement The line between improvement and innovation blurs when focusing primarily on the process itself.

For sure, one can sometimes dramatically change process characteristics such as resources consumed, availability of the service, cost,

The organization has an evolving collection of such services (and underlying processes), with a presumed clientele drawn from either internal or external customers.

then the solution could be shared services (single internal provider). If it's external competitors, then the issue becomes one of service differentiation,

Thinking Tri-laterally About Business Processes, Services and Business...45 5. 2 Interaction Effects Regardless of the directionality of the business model, service

Services blueprint: Roadmap for execution. Boston, MA: Addison-Wesley. Khoshafian, S. 2007. Service oriented enterprises.

How to create products and services customers Want (1st ed.).Hoboken, NJ: Wiley. Porter, M. E. 1998.

Thinking Tri-laterally About Business Processes, Services and Business...47 Part II Driving Innovation Through Emerging Technologies Emerging Technologies in BPM Sandy Kemsley Abstract Business process management (BPM) has always been about productivity improvements.

including the invocation of software services by an activity. This new design paradigm enables a detailed adaptation of the software

) Connecting millions or even billions of smartphones into large scale sensing systems enable time or location-based services in environment monitoring, intelligent transportation systems, applications in health and support for the ageing populations,

They can also receive value-added services, such as teen-driver monitoring, emergency services, navigation and infotainment, stolen vehicle recovery, vehicle diagnostics and congestion forecast, allowing for driving in time slots

when it is crowded less and/or with reduced risk. In case of an accident, drivers can also use their profile of driving behaviour to prove safe driving behaviour to insurers.

business process design for the core technology implementation, product/services Process Innovation with Disruptive Technology in Auto Insurance 97 implementation, individual organization readiness for innovation implementation, towards business models and the outer

which has been investigated in the (web) services (Aalst, 2013c). ) In Aalst, Mooij, Stahl, and Wolf (2009) and Barros, Decker, Dumas,

2005) a technique is presented for correlating messages with the goal to visualize the execution of web services.

IEEE Transactions on Services Computing, 6 (4), 525 535. Aalst, W. van der (2014. Data scientist:

Formal methods for web services (Lecture Notes in Computer science, Vol. 5569, pp. 42 88. Berlin:

Proceedings of the 3rd Central-European Workshop on Services and their Composition (ZEUS 2011), CEUR-WS. org, CEUR Workshop Proceedings (pp. 9 15.

Web services navigator: Visualizing the execution of web services. IBM Systems Journal, 44 (4), 821 845.

Extracting Event Data from Databases to Unleash Process Mining 127 Reichert, M, . & Weber, B. 2012).

and just about every asset and element in an organizational system and that products and services represent just the tip of the innovation iceberg.

products or services or can change internal procedures and culture to yield higher degrees of efficiency.

In fact, new products and services can be sufficiently successful to create entirely new markets (Berry, Shankar, Parish, Cadwallader, & Dotzel, 2006.

2003), or through a focus on mergers and acquisitions to source innovative new products, services or business models.

research can provide additional innovation support services: Novel conceptual perspectives: Research can offer new perspectives on an existing problem by proposing

supplier (a business partner who has obligations for goods and services). A synset and a modelsynset are conceptually similar,

and networks of highly specialized firms collaborate to efficiently provide products and services. Often large parts of the work have become digital,

In 2006 I e. international conference on services computing (SCC'06)( pp. 167 173. Chicago, IL.

of high-quality services to its beneficiaries. Digital innovations enabling optimal and integrated performance for the actors'value production become essential in such settings.

since they provide services along the flow. Instead, it is the beneficiaries (such as e g. the passengers/patients) themselves who are responsible for arranging the process based on the opportunities (and constraints) and possible process variants of a particular flow.

The value, often operationalized and described as products (goods and/or services), produced, delivered, utilized,

In the design vision the necessity to understand regulations/norms as well as the role of ICT (digital services

At Stockholm-Arlanda different (public and private) operators are offered the possibility to provide services to passengers, all with equal conditions.

which better describes the fluid manner of interaction between developers and users of information services.

and small third party developers design the latest traveller support services using commonly available data. There are a number of novel insights to be made.

Second, consumers of digital services (e g. the travellers) are also suppliers of feedback data, encompassing feedback on digital services, new ideas on digital services, the use of physical infrastructures and transport

services, their opinion of such services, and their travelling behaviour. Among other things, this facilitates (1) the improvement of digital services,(2) the design of new digital services,(3) the discovery of new ideas on

which data should be provided. Fig. 7 Example of a passenger dashboard channelized via different media 210 M. Lind

1) the user application services;(2) a context acquisition and reasoning module; and (3) an adaptation mechanism.

and provide services to the user in a way that is optimized to the current context of use. On the basis of these concepts, we design four main modules that compose an SA-BPM system's architecture:(

The adapters created in this way may communicate with the Context Provider through web services to acquire information from the context

The results-chain that is linked to this activity is illustrated in Fig. 6. The work product contributes to the implementation of the make use of external transport services action,

Make use of external transport services when this reduces the cost of delivery per product unity External carrier contracted Fig. 6 Results-chain linked to the work product external carrier contracted 242 C a. L. Oliveira et al. 5. 2 Finance

International Journal of Services Sciences, 1, 83 98. Sanchez, R. 1997. Preparing for an uncertain future:

responding, anticipating and making the commitment to improve products and services. It is driven user in order to turn fans and followers into customers and even advocates of a brand.

Social media can also facilitate people's involvement from idea generation to the realization of new products and services,

J. Kettenbohrer(*)Department of Information systems and Services, University of Bamberg, An der Weberei 5, 96047 Bamberg, Germany e-mail:

IT governance and business/IT alignment, business process standardization, BPO and shared services in the financial industry, the business value of Service Oriented Architectures (SOA),

Since 2001, she started her research and practice in mobile services. She worked in the large projects carried out with Duodecim (the Finnish Medical Society), Pfizer Finland Ltd, Nokia Ventures, Nokia Mobile phones, etc.

She is an expert on issues of user acceptance and evaluation of mobile services. Her research interests include social/mobile services, business process management, business-IT alignment, IT Governance, e-government,

and technology-enhanced learning. 290 Curricula Vitae Peter Ha ndel Uppsala University, Sweden Peter Ha ndel received the Ph d. degree from Uppsala University,

Germany Janina is Graduate Research Assistant at University of Bamberg, Department of Information systems and Services.

Welch is also the bformer principal of REW Insurance Consulting Services where he provided services in strategic planning,

product management & pricing, underwriting strategy, and usage based insurance strategies to Property-Casualty insurance companies, agencies,


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