Three news items caught my attention this morning:
The launch of a new service: http://www.tbwsratealert.com/
The release of a new survey: http://www.mortgagenewsdaily.com/922008_Housing_Recovery_Survey.asp
New Option ARM data:
http://globaleconomicanalysis.blogspot.com/2008/09/option-arm-time-bomb-about-to-explode.html
What does all this mean? I'm not sure but I heard it put best the other day - If you're not confused, you're not paying attention.
What are some possible implications of today's data pieces?
With reduced volume and increased trouble ahead, companies and the products and services they sell - must clarify their business and leadership model- Are they product leaders (Apple), customer intimate (Amazon) or operationally excellent (Wal Mart)?
With reduced volume and severe margin compression, the mortgage industry is leaving behind it's bundling of services business model (Made famous by Sandy Weill at Citigroup) and needs to reinvent itself for an individual user of services business model.
Can you deliver your product profitably if you had only one user? Start up costs, product development costs, overhead, etc.
If not, how are you integrating new web services and infrastructure technologies into that process?
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