Menu

From Phones To Loans Is Now The Time For Virgin Money Canada Online Case Help

Home >> Accounting >> From Phones To Loans Is Now The Time For Virgin Money Canada

From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Solution & Analysis


Intro

From Phones To Loans Is Now The Time For Virgin Money Canada is currently one of the greatest food chains worldwide. It was founded by Henri From Phones To Loans Is Now The Time For Virgin Money Canada in 1866, a German Pharmacist who first launched "Farine Lactee"; a mix of flour and milk to decrease and feed infants death rate.

From Phones To Loans Is Now The Time For Virgin Money Canada is now a transnational business. Unlike other multinational companies, it has senior executives from different countries and attempts to make decisions considering the entire world. From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Analysis currently has more than 500 factories worldwide and a network spread across 86 nations.

Purpose

The function of From Phones To Loans Is Now The Time For Virgin Money Canada Corporation is to boost the quality of life of individuals by playing its part and providing healthy food. While making sure that the company is succeeding in the long run, that's how it plays its part for a better and healthy future

Vision

Nestlé's vision is to supply its clients with food that is healthy, high in quality and safe to consume. From Phones To Loans Is Now The Time For Virgin Money Canada imagines to develop a well-trained workforce which would help the business to grow.

Mission.

Nestlé's mission is that as presently, it is the leading company in the food industry, it thinks in 'Good Food, Excellent Life". Its mission is to provide its consumers with a variety of options that are healthy and finest in taste. It is concentrated on supplying the best food to its customers throughout the day and night.

Products.
Executive Summary
From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Analysis has a wide range of products that it offers to its clients. Its products consist of food for babies, cereals, dairy items, snacks, chocolates, food for pet and bottled water. It has around four hundred and fifty (450) factories worldwide and around 328,000 staff members. In 2011, From Phones To Loans Is Now The Time For Virgin Money Canada was listed as the most rewarding company.

Objectives and goals.

• Bearing in mind the vision and objective of the corporation, the company has actually put down its objectives and objectives. These goals and objectives are listed below.
• One goal of the business is to reach absolutely no garbage dump status. It is working toward zero waste, where no waste of the factory is landfilled. It encourages its staff members to take the most out of the by-products. (From Phones To Loans Is Now The Time For Virgin Money Canada, aboutus, 2017).
• Another objective of From Phones To Loans Is Now The Time For Virgin Money Canada is to lose minimum food throughout production. Usually, the food produced is lost even before it reaches the consumers.
• Another thing that From Phones To Loans Is Now The Time For Virgin Money Canada is working on is to enhance its packaging in such a way that it would assist it to decrease those complications and would also ensure the shipment of high quality of its items to its customers.
• Meet international standards of the environment.
• Develop a relationship based on trust with its customers, service partners, workers, and government.

Important Concerns.

Recently, From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Help Company is focusing more towards the method of NHW and investing more of its earnings on the R&D technology. The country is investing more on acquisitions and mergers to support its NHW strategy. The target of the company is not accomplished as the sales were anticipated to grow higher at the rate of 10% per year and the operating margins to increase by 20%, provided in Exhibition H.

Situational Analysis.
Porter's 5 Forces Analysis
Analysis of Current Strategy, Vision and Goals.

The present From Phones To Loans Is Now The Time For Virgin Money Canada technique is based upon the principle of Nutritious, Health and Health (NHW). This technique deals with the concept to bringing modification in the consumer preferences about food and making the food things much healthier worrying about the health concerns.

The vision of this method is based upon the secret method i.e. 60/40+ which simply indicates that the products will have a score of 60% on the basis of taste and 40% is based upon its nutritional value. The products will be made with additional nutritional worth in contrast to all other items in market getting it a plus on its dietary content.

This technique was embraced to bring more tasty plus nutritious foods and drinks in market than ever. In competition with other business, with an intent of maintaining its trust over consumers as From Phones To Loans Is Now The Time For Virgin Money Canada Company has gotten more relied on by clients.

Microenvironment Analysis (PESTEL Analysis).

The analysis used to determine the position of company in the market is done by utilizing PESTLE analysis, given up Exhibit A. From Phones To Loans Is Now The Time For Virgin Money Canada works under the guidelines and policies directed by government and food authority. The company is more focused on its product or services to make certain about the item quality and security. This analysis will assist in comprehending environment of external market in the international food and beverage markets. (Parera, 2017).

Political.
Swot Analysis
The political effect on the business is considerably influenced by the public law and policies. The company needs to meet its requirements provided by government otherwise it needs to pay fine. From Phones To Loans Is Now The Time For Virgin Money Canada is considerably supported by Government to fulfill all the requirements of requirements like acts of health and safety. In efforts to make great food, From Phones To Loans Is Now The Time For Virgin Money Canada is altering the standards of food and drink manufacturing. This may trigger the offense of governmental guidelines and policies.

Economic.

Initiation of business where the capital earnings of each specific matters for the increased net sale as this differs country-to-country. The economy of the From Phones To Loans Is Now The Time For Virgin Money Canada Company in U.S. is growing year by year with variable products launch particularly concentrating on the dietary food for babies.

Social.

The social environment keeps on changing with regard to time like the mindset of the customer as well as their lifestyles. Any services or product of any company can not succeed till the company is not worried about the living system of the consumer. From Phones To Loans Is Now The Time For Virgin Money Canada is taking procedures to meet its objectives as the world is in search of yummy and healthy food.

Technological.

In the advancement of service, tactical procedures are rather obligatory. From Phones To Loans Is Now The Time For Virgin Money Canada is one of the leading well-known international firm and by time it invests in various departments to take its items to brand-new level. From Phones To Loans Is Now The Time For Virgin Money Canada is investing more on its R&D to make its items much healthier and nutritious providing consumers with health advantages.

Legal.

There is no such effect of legal elements of From Phones To Loans Is Now The Time For Virgin Money Canada as it is more concerned over its laws and policies.

Environmental

From Phones To Loans Is Now The Time For Virgin Money Canada, in regards to environmental effect is dedicated to operate in eco-friendly environment with conservation of the natural resources and energy. As due to the production of larger variety of items there might be a danger if the resources used are recyclable or not.

Competitive Forces Analysis (Porter's 5 Forces Design).

From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Solution has actually acquired a number of companies that assisted it in diversification and development of its product's profile. This is the thorough explanation of the Porter's design of 5 forces of From Phones To Loans Is Now The Time For Virgin Money Canada Business, given up Display B.

Competitiveness.

There is extreme competitors in the market of food and drinks. From Phones To Loans Is Now The Time For Virgin Money Canada is one of the leading company in this competitive industry with a number of strong competitors like Unilever, Kraft foods and Group DANONE. From Phones To Loans Is Now The Time For Virgin Money Canada is running well in this race for last 150 years. Each business has a definite share of market. This competition is not just restricted to the price of the product however also for variation, quality and development. Every industry is aiming hard for the upkeep of their market share. Nevertheless, the competition of other business with From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Analysis is quite high.
Vrio Analysis
Danger of New Entrants.

A number of barriers are there for the new entrants to happen in the consumer food industry. Just a few entrants prosper in this market as there is a requirement to comprehend the customer requirement which requires time while current rivals are aware and has progressed with the customer commitment over their items with time. There is low danger of brand-new entrants to From Phones To Loans Is Now The Time For Virgin Money Canada as it has rather big network of circulation worldwide dominating with well-reputed image.

Bargaining Power of Suppliers.

In the food and beverage market, From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Analysis owes the largest share of market requiring higher number of supply chains. In action, From Phones To Loans Is Now The Time For Virgin Money Canada has actually likewise been concerned for its suppliers as it thinks in long-term relations.

Bargaining Power of Buyers.

Thus, From Phones To Loans Is Now The Time For Virgin Money Canada makes sure to keep its consumers satisfied. This has actually led From Phones To Loans Is Now The Time For Virgin Money Canada to be one of the faithful business in eyes of its purchasers.

Hazard of Substitutes.

There has been a fantastic danger of alternatives as there are replacements of a few of the Nestlé's items such as boiled water and pasteurized milk. There has actually likewise been a claim that a few of its products are not safe to utilize leading to the decreased sale. Therefore, From Phones To Loans Is Now The Time For Virgin Money Canada started highlighting the health advantages of its products to cope up with the replacements.

Rival Analysis.

From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Solution covers many of the popular customer brand names like Kit Kat and Nescafe and so on. About 29 brand names among all of its brand names, each brand name earned a revenue of about $1billion in 2010. Its huge part of sale is in The United States and Canada constituting about 42% of its all sales. In Europe and U.S. the leading significant brands offered by From Phones To Loans Is Now The Time For Virgin Money Canada in these states have a fantastic reliable share of market. Likewise From Phones To Loans Is Now The Time For Virgin Money Canada, Unilever and DANONE are 2 large markets of food and drinks in addition to its primary competitors. In the year 2010, From Phones To Loans Is Now The Time For Virgin Money Canada had earned its yearly profit by 26% boost because of its increased food and beverages sale particularly in cooking things, ice-cream, beverages based upon tea, and frozen food. On the other hand, DANONE, due to the increasing prices of shares resulting an increase of 38% in its revenues. From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Solution decreased its sales cost by the adjustment of a new accounting treatment. Unilever has number of employees about 230,000 and functions in more than 160 countries and its London headquarter. It has become the second largest food and drink market in the West Europe with a market share of about 8.6% with only a distinction of 0.3 points with From Phones To Loans Is Now The Time For Virgin Money Canada. Unilever shares a market share of about 7.7 with From Phones To Loans Is Now The Time For Virgin Money Canada ending up being very first and ranking DANONE as third. From Phones To Loans Is Now The Time For Virgin Money Canada brings in regional clients by its low cost of the product with the local taste of the products maintaining its first place in the international market. From Phones To Loans Is Now The Time For Virgin Money Canada company has about 280,000 staff members and functions in more than 197 countries edging its competitors in lots of areas. From Phones To Loans Is Now The Time For Virgin Money Canada has actually also reduced its cost of supply by presenting E-marketing in contrast to its competitors.

Note: A short comparison of From Phones To Loans Is Now The Time For Virgin Money Canada with its close rivals is given up Exhibition C.

SWOT Analysis.

The internal analysis and external of the business also can be done through SWOT Analysis, summed up in the Exhibit F.

Strengths.

• From Phones To Loans Is Now The Time For Virgin Money Canada has an experience of about 140 years, making it possible for company to better carry out, in various scenarios.
• Nestlé's has presence in about 86 countries, making it an international leader in Food and Drink Market.
• From Phones To Loans Is Now The Time For Virgin Money Canada has more than 2000 brands, which increase the circle of its target customers. Famous brands of From Phones To Loans Is Now The Time For Virgin Money Canada include; Maggi, Kit-Kat, Nescafe, etc.
• From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Solution has large amount quantity spending on R&D as compare to its competitorsRivals making the company to launch introduce innovative ingenious nutritious healthy.
• After adopting its NHW Strategy, the company has actually done big amount of mergers and acquisitions which increase the sales development and improve market position of From Phones To Loans Is Now The Time For Virgin Money Canada.
• From Phones To Loans Is Now The Time For Virgin Money Canada is a widely known brand with high customer's loyalty and brand name recall. This brand name commitment of customers increases the opportunities of easy market adoption of different new brand names of From Phones To Loans Is Now The Time For Virgin Money Canada.
Weaknesses.
• Acquisitions of those company, like; Kraft frozen Pizza organisation can provide a negative signal to From Phones To Loans Is Now The Time For Virgin Money Canada clients about their compromise over their core competency of much healthier foods.
• The growth I sales as compare to the company's investment in NHW Technique are quite different. It will take long to alter the perception of people ab out From Phones To Loans Is Now The Time For Virgin Money Canada as a company offering healthy and nutritious products.

Opportunities.

• Presenting more health associated products allows the business to record the marketplace in which customers are quite conscious about health.
• Developing countries like India and China has biggest markets worldwide. For this reason broadening the marketplace towards developing countries can increase the From Phones To Loans Is Now The Time For Virgin Money Canada service by increasing sales volume.
• Continue acquisitions and joint ventures increases the market share of the business.
• Increased relationships with schools, hotel chains, dining establishments and so on can likewise increase the number of From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Analysis consumers. For instance, teachers can suggest their students to buy From Phones To Loans Is Now The Time For Virgin Money Canada products.

Threats.

• Financial instability in nations, which are the potential markets for From Phones To Loans Is Now The Time For Virgin Money Canada, can produce numerous concerns for From Phones To Loans Is Now The Time For Virgin Money Canada.
• Shifting of items from typical to healthier, leads to additional expenses and can lead to decrease company's profit margins.
• As From Phones To Loans Is Now The Time For Virgin Money Canada has a complicated supply chain, for that reason failure of any of the level of supply chain can lead the company to face certain problems.

Segmentation Analysis

Demographic Division

The market segmentation of From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Help is based upon 4 elements; age, gender, occupation and income. For example, From Phones To Loans Is Now The Time For Virgin Money Canada produces numerous items associated with children i.e. Cerelac, Nido, etc. and associated to adults i.e. confectionary items. From Phones To Loans Is Now The Time For Virgin Money Canada items are rather economical by practically all levels, but its significant targeted consumers, in regards to income level are upper and middle middle level consumers.

Geographical Division

Geographical division of From Phones To Loans Is Now The Time For Virgin Money Canada Case Study Help is made up of its presence in practically 86 nations. Its geographical division is based upon two main aspects i.e. average income level of the customer along with the climate of the region. Singapore From Phones To Loans Is Now The Time For Virgin Money Canada Company's segmentation is done on the basis of the weather of the region i.e. hot, warm or cold.

Psychographic Segmentation

Psychographic segmentation of From Phones To Loans Is Now The Time For Virgin Money Canada is based upon the character and life style of the customer. For instance, From Phones To Loans Is Now The Time For Virgin Money Canada 3 in 1 Coffee target those consumers whose lifestyle is rather hectic and don't have much time.

Behavioral Division

From Phones To Loans Is Now The Time For Virgin Money Canada Case Solution behavioral division is based upon the attitude knowledge and awareness of the consumer. For example its extremely healthy items target those customers who have a health conscious mindset towards their usages.

VRIO Analysis

The VRIO analysis of From Phones To Loans Is Now The Time For Virgin Money Canada Company is a broad range analysis providing the company with a chance to acquire a practical competitive benefit against its rivals in the food and beverage market, summarized in Display I.

Valuable

The resources used by the From Phones To Loans Is Now The Time For Virgin Money Canada company are valuable for the company or not. Such as the resources like financing, human resources, management of operations and specialists in marketing. This are a few of the key important factors of for the identification of competitive advantage.

Rare

The important resources made use of by From Phones To Loans Is Now The Time For Virgin Money Canada are expensive or even unusual. , if these resources are typically found that it would be much easier for the competitors and the new rivals in the industry to effortlessly move in competition.

Replica

The imitation procedure is costly for the rivals of From Phones To Loans Is Now The Time For Virgin Money Canada Case Help Company. It can be done just in 2 different techniques i.e. item duplication which is produced and made by From Phones To Loans Is Now The Time For Virgin Money Canada Business and introducing of the alternative of the items with changing cost. This increases the hazard of disruption to the recent structure of the market.

Company

This element of VRIO analysis deals with the compatibility of the business to place in the market making efficient usage of its valuable resources which are tough to imitate. Frequently, the advancement of management is completely depending on the firm's execution method and team. Therefore, this polishes the skills of the company by time based upon the decisions made by company for the development of its strategic capitals.

Quantitative Analysis

R&D Costs as a percentage of sales are decreasing with increasing real amount of spending reveals that the sales are increasing at a higher rate than its R&D spending, and enable the company to more spend on R&D.

Net Profit Margin is increasing while R&D as a portion of sales is decreasing. This indicator also shows a thumbs-up to the R&D costs, mergers and acquisitions.

Financial obligation ratio of the company is increasing due to its spending on mergers, acquisitions and R&D advancement instead of payment of financial obligations. This increasing financial obligation ratio position a threat of default of From Phones To Loans Is Now The Time For Virgin Money Canada to its investors and could lead a declining share prices. In terms of increasing debt ratio, the firm needs to not spend much on R&D and ought to pay its existing debts to reduce the danger for financiers.

The increasing danger of investors with increasing debt ratio and declining share prices can be observed by substantial decline of EPS of From Phones To Loans Is Now The Time For Virgin Money Canada Case Analysis stocks.

The sales development of business is also low as compare to its mergers and acquisitions due to slow understanding building of consumers. This sluggish growth also hinder business to further spend on its mergers and acquisitions.( From Phones To Loans Is Now The Time For Virgin Money Canada, From Phones To Loans Is Now The Time For Virgin Money Canada Financial Reports, 2006-2010).

Note: All the above analysis is done on the basis of calculations and Graphs given in the Exhibits D and E.

TWOS Analysis.

TWOS analysis can be used to derive various techniques based on the SWOT Analysis offered above. A brief summary of TWOS Analysis is given up Exhibit H.

Methods to make use of Opportunities using Strengths.

From Phones To Loans Is Now The Time For Virgin Money Canada Case Help must introduce more innovative products by large quantity of R&D Spending and acquisitions and mergers. It might increase the marketplace share of From Phones To Loans Is Now The Time For Virgin Money Canada and increase the revenue margins for the company. It might likewise supply From Phones To Loans Is Now The Time For Virgin Money Canada a long term competitive benefit over its rivals.

The global growth of From Phones To Loans Is Now The Time For Virgin Money Canada ought to be focused on market capturing of developing countries by expansion, bring in more consumers through client's commitment. As developing countries are more populated than developed countries, it could increase the client circle of From Phones To Loans Is Now The Time For Virgin Money Canada.

Strategies to Overcome Weaknesses to Make Use Of Opportunities.

From Phones To Loans Is Now The Time For Virgin Money Canada Case Help needs to do careful acquisition and merger of organizations, as it could impact the client's and society's perceptions about From Phones To Loans Is Now The Time For Virgin Money Canada. It must combine and get with those business which have a market credibility of nutritious and healthy business. It would enhance the understandings of consumers about From Phones To Loans Is Now The Time For Virgin Money Canada.

From Phones To Loans Is Now The Time For Virgin Money Canada ought to not just invest its R&D on innovation, instead of it needs to also concentrate on the R&D costs over assessment of expense of various healthy products. This would increase expense performance of its items, which will lead to increasing its sales, due to declining rates, and margins.

Techniques to utilize strengths to overcome risks.

From Phones To Loans Is Now The Time For Virgin Money Canada ought to move to not just developing but also to developed nations. It should expand its circle to numerous countries like Unilever which runs in about 170 plus nations.

Techniques to conquer weaknesses to prevent dangers.

From Phones To Loans Is Now The Time For Virgin Money Canada must wisely manage its acquisitions to avoid the risk of misunderstanding from the consumers about From Phones To Loans Is Now The Time For Virgin Money Canada. It should get and combine with those nations having a goodwill of being a healthy company in the market. This would not just enhance the perception of customers about From Phones To Loans Is Now The Time For Virgin Money Canada however would also increase the sales, earnings margins and market share of From Phones To Loans Is Now The Time For Virgin Money Canada. It would likewise allow the business to use its possible resources efficiently on its other operations instead of acquisitions of those organizations slowing the NHW strategy development.

Alternatives.

In order to sustain the brand in the market and keep the client intact with the brand, there are two alternatives:.

Option: 1.

The Company must spend more on acquisitions than on the R&D.

Pros:.

1. Acquisitions would increase total properties of the company, increasing the wealth of the company. Costs on R&D would be sunk expense.
2. The company can resell the acquired units in the market, if it fails to execute its strategy. However, amount invest in the R&D could not be restored, and it will be considered completely sunk expense, if it do not give potential results.
3. Spending on R&D provide sluggish growth in sales, as it takes long time to introduce a product. Acquisitions offer fast results, as it supply the business currently developed product, which can be marketed quickly after the acquisition.

Cons:.

1. Acquisition of business's which do not fit with the business's worths like Kraftz foods can lead the business to face misunderstanding of consumers about From Phones To Loans Is Now The Time For Virgin Money Canada core worths of healthy and healthy products.
2. Large costs on acquisitions than R&D would send a signal of company's inadequacy of developing ingenious items, and would outcomes in consumer's frustration.
3. Large acquisitions than R&D would extend the line of product of the business by the products which are already present in the market, making business not able to introduce brand-new innovative products.

Option: 2

The Company must spend more on its R&D rather than acquisitions.

Pros:

1. It would enable the company to produce more ingenious items.
2. It would provide the company a strong competitive position in the market.
3. It would enable the company to increase its targeted clients by introducing those products which can be offered to a completely brand-new market segment.
4. Innovative products will provide long term benefits and high market share in long term.

Cons:

1. It would decrease the revenue margins of the business.
2. In case of failure, the entire spending on R&D would be thought about as sunk cost, and would impact the business at big. The threat is not in the case of acquisitions.
3. It would not increase the wealth of company, which could supply an unfavorable signal to the investors, and could result I declining stock costs.

Alternative 3:

Continue its acquisitions and mergers with considerable spending on in R&D Program.

Pros:

1. It would enable the company to present brand-new ingenious items with less threat of transforming the costs on R&D into sunk expense.
2. It would supply a favorable signal to the investors, as the overall possessions of the company would increase with its significant R&D costs.
3. It would not affect the earnings margins of the company at a big rate as compare to alternative 2.
4. It would provide the company a strong long term market position in terms of the business's general wealth along with in terms of innovative products.

Cons:

1. Risk of conversion of R&D spending into sunk expense, higher than alternative 1 lower than alternative 2.
2. Threat of mistaken belief about the acquisitions, higher than alternative 2 and lower than option 1.
3. Introduction of less variety of innovative items than alternative 2 and high variety of innovative items than alternative 1.

Suggestion

With the deep analysis of the above options, it is recommended that the business must choose the alternative 3 in order to keep a competitive position in the long run. As the alternative 3 would allow the business to not only introduce ingenious and brand-new products in the market it would likewise reduce the high expenses on R&D under alternative 2 and increase the earnings margins. It would make it possible for the company to increase its share prices as well, as financiers are willing to invest more in companies with significant R&D spending and increase in the total worth of the company.

Action and implementation Strategy

Technique can be carried out effectively by developing certain short term as well as long term strategies. These strategies could be as follows;

Short-term Plan (0-1 year).

• Under the short-term plan From Phones To Loans Is Now The Time For Virgin Money Canada Case Help must perform different activities to execute its NHW technique effectively. These activities are as follows;.
• Get the audit of its brand portfolio done, to analyze the core selling brand names, which produce the majority of its revenue.
• Analyze the present target market as well as the market sector which is not consist of in the company's circle.
• Evaluate the present monetary data to measure the quantity that ought to be invested in the R&D and acquisitions.
• Evaluate the potential investors and their nature, i.e. do they want long term advantages (capital gain), or the want early profits (dividend). It would let the company to understand that how much amount must be invested in R&D.

Mid Term Strategy (1-5 years).

• Get those companies in which the business has potential experience to deal with. Acquire most favorable companies with a strong commitment to health, to build the customer's understandings in the ideal direction.
• Focus more on acquisitions than R&D to construct the base in the consumer's mind about From Phones To Loans Is Now The Time For Virgin Money Canada values and vision and to prevent prospective danger of sunk expense.

Long Term Strategy (1-10 years).

• Get companies with health in addition to taste aspect, as the base for the From Phones To Loans Is Now The Time For Virgin Money Canada as a business producing healthy products has been built under midterm strategy and now the company could move towards taste aspect too to comprehend the customers, which focus more on taste rather than health.
• Be more aggressive towards R&D than the acquisitions, as it is the considerable time to construct new products.

Conclusion.
Recommendations
From Phones To Loans Is Now The Time For Virgin Money Canada has actually stayed the top market player for more than a decade. It has actually institutionalised its methods and culture to align itself with the market changes and consumer habits, which has actually ultimately allowed it to sustain its market share. From Phones To Loans Is Now The Time For Virgin Money Canada has actually established considerable market share and brand name identity in the metropolitan markets, it is advised that the business should focus on the rural locations in terms of developing brand name loyalty, awareness, and equity, such can be done by developing a particular brand allotment strategy through trade marketing techniques, that draw clear difference in between From Phones To Loans Is Now The Time For Virgin Money Canada items and other competitor products. Moreover, From Phones To Loans Is Now The Time For Virgin Money Canada must take advantage of its brand picture of healthy and safe food in catering the rural markets and likewise to upscale the offerings in other categories such as nutrition. This will enable the company to establish brand equity for recently presented and currently produced products on a higher platform, making the reliable usage of resources and brand image in the market.