21st Century Communication for Insurance Agents

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Publisher :
ISBN 13 : 9780991153626
Total Pages : 200 pages
Book Rating : 4.1/5 (536 download)

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Book Synopsis 21st Century Communication for Insurance Agents by : Robert Edgin

Download or read book 21st Century Communication for Insurance Agents written by Robert Edgin and published by . This book was released on 2013-10-31 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: The insurance industry has changed, consumers have changed, the competition has changed, communication has changed...BUT MOST INSURANCE AGENTS HAVE NOT! With mass marketing and over $1 BILLION dollars spent on advertising last year alone by a few of the biggest players in the insurance industry, there's not a day that goes by that your clients and prospects aren't bombarded with messages from your competitors. Unfortunately, most of those messages focus on "cheap insurance," "saving money" or depict the agent as "outdated and useless." Consumers are being taught that the only difference between insurance providers is PRICE and the entire industry is being commoditized by direct writers trying to push the retail agency force into extinction! Retail agents want to know how they can compete with the giants of advertising and mass marketing to keep their clients and grow their agencies. The unfortunate answer is that you simply can NOT compete in the price wars and mass marketing being done by the big industry advertisers. IF YOU TRY, YOU WILL LOSE! However, you CAN beat them by communicating with your clients and prospects in ways that the big companies cannot. You CAN use the new rules of communication and new methods to reach your clients and prospects that will set you apart as THE go-to insurance advisor in your area. Agents need to break away from the price wars and commoditization and start creating experiences and relationships with their clients that are impossible to replace. You're in a fight for your agency's life. Whether you realize it or not, change in the insurance industry is going to continue at a rapid pace over the coming years. The big discounters will continue to increase their advertising and banks and other large corporations will join in to try and make the retail agent as irrelevant as possible. Consumers will rely more on the internet and social media for their research and communication with insurance companies and agents. Only the strongest agents who find new ways to communicate their value and set themselves apart will survive. You can do more than just survive, you can thrive in the coming years by becoming a 21st Century agent and using 21st Century Communication tools with your clients and prospects. You can be known in your community as an insurance expert and a trusted advisor that people seek out and want to do business with. You can learn: 1. The 3 jobs of a 21st Century agent that are vital to your success 2. Strategic ways to bring new sales to your door without having to chase them 3. How to keep clients married to your agency for life 4. How to create top of mind awareness with clients and prospects 5. The seven questions that every prospect wants to know before choosing an agent 6. How to overcome price as an objection to doing business with you 7. The 6 new rules of communication and how to use them with clients and prospects 8. 7 tools of 21st Century Communication 9. The best way to use social media with clients and prospects 10. How to set up online and social media tools and manage them in a few minutes 11. How to make old-school communication techniques new and relevant again 12. The secret to getting clients to consistently refer prospects to your agency 13. How to attract client cross-sales instead of constantly having to chase them 14. The importance of touching your clients 24 times per year and how to do it 15. The importance of a communication calendar and the formula that makes it easy 16. How to create "social influence" 17. Two easy formulas for writing communication pieces that clients want to read 18. The two most important things to concentrate your time, effort and energy on No one is going to make you grow, make you improve or make you keep up with the consumers and the insurance industry. But if you don't, it's just a matter of time before you get left behind.

Communication Skills For Successful Insurance Agents

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Author :
Publisher :
ISBN 13 :
Total Pages : 162 pages
Book Rating : 4.5/5 (6 download)

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Book Synopsis Communication Skills For Successful Insurance Agents by : Setsuko Rhoads

Download or read book Communication Skills For Successful Insurance Agents written by Setsuko Rhoads and published by . This book was released on 2021-05-17 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: We are jumping into the 21st century with a new understanding of what our clients want out of us as an agency. Unlike a few years ago, consumers now have access to a lot of options they did not have in the past. New insurance companies have not only entered the market, but they have also managed to make a good name for themselves. If you provide insurance services, you need to know that there are a number of things that you need to keep under consideration in order to retain your existing clients and secure new ones. You can do more than just survive, you can thrive in the coming years by becoming a 21st Century agent and using these tools with your clients and prospects. You can be known in your community as an insurance expert and a trusted advisor that people seek out and want to do business with. You can learn: -The 3 jobs of a 21st Century agent that are vital to your success -Strategic ways to bring new sales to your door without having to chase them -How to keep clients married to your agency for life -How to create top of mind awareness with clients and prospects -The seven questions that every prospect wants to know before choosing an agent -How to overcome price as an objection to doing business with you -The 6 new rules of communication and how to use them with clients and prospects -7 tools of 21st Century Communication -The best way to use social media with clients and prospects -How to set up online and social media tools and manage them in a few minutes -How to make old-school communication techniques new and relevant again -The secret to getting clients to consistently refer prospects to your agency -How to attract client cross-sales instead of constantly having to chase them -The importance of touching your clients 24 times per year and how to do it -The importance of a communication calendar and the formula that makes it easy -How to create "social influence" -Two easy formulas for writing communication pieces that clients want to read -The two most important things to concentrate your time, effort, and energy on

Strategies For Retaining Insurance Sales

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Publisher :
ISBN 13 :
Total Pages : 162 pages
Book Rating : 4.5/5 (6 download)

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Book Synopsis Strategies For Retaining Insurance Sales by : Austin Deener

Download or read book Strategies For Retaining Insurance Sales written by Austin Deener and published by . This book was released on 2021-05-17 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: We are jumping into the 21st century with a new understanding of what our clients want out of us as an agency. Unlike a few years ago, consumers now have access to a lot of options they did not have in the past. New insurance companies have not only entered the market, but they have also managed to make a good name for themselves. If you provide insurance services, you need to know that there are a number of things that you need to keep under consideration in order to retain your existing clients and secure new ones. You can do more than just survive, you can thrive in the coming years by becoming a 21st Century agent and using these tools with your clients and prospects. You can be known in your community as an insurance expert and a trusted advisor that people seek out and want to do business with. You can learn: -The 3 jobs of a 21st Century agent that are vital to your success -Strategic ways to bring new sales to your door without having to chase them -How to keep clients married to your agency for life -How to create top of mind awareness with clients and prospects -The seven questions that every prospect wants to know before choosing an agent -How to overcome price as an objection to doing business with you -The 6 new rules of communication and how to use them with clients and prospects -7 tools of 21st Century Communication -The best way to use social media with clients and prospects -How to set up online and social media tools and manage them in a few minutes -How to make old-school communication techniques new and relevant again -The secret to getting clients to consistently refer prospects to your agency -How to attract client cross-sales instead of constantly having to chase them -The importance of touching your clients 24 times per year and how to do it -The importance of a communication calendar and the formula that makes it easy -How to create "social influence" -Two easy formulas for writing communication pieces that clients want to read -The two most important things to concentrate your time, effort, and energy on

Effective Communication In The Insurance Market

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Author :
Publisher :
ISBN 13 :
Total Pages : 162 pages
Book Rating : 4.5/5 (59 download)

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Book Synopsis Effective Communication In The Insurance Market by : Stacy Halladay

Download or read book Effective Communication In The Insurance Market written by Stacy Halladay and published by . This book was released on 2021-05-17 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: We are jumping into the 21st century with a new understanding of what our clients want out of us as an agency. Unlike a few years ago, consumers now have access to a lot of options they did not have in the past. New insurance companies have not only entered the market, but they have also managed to make a good name for themselves. If you provide insurance services, you need to know that there are a number of things that you need to keep under consideration in order to retain your existing clients and secure new ones. You can do more than just survive, you can thrive in the coming years by becoming a 21st Century agent and using these tools with your clients and prospects. You can be known in your community as an insurance expert and a trusted advisor that people seek out and want to do business with. You can learn: -The 3 jobs of a 21st Century agent that are vital to your success -Strategic ways to bring new sales to your door without having to chase them -How to keep clients married to your agency for life -How to create top of mind awareness with clients and prospects -The seven questions that every prospect wants to know before choosing an agent -How to overcome price as an objection to doing business with you -The 6 new rules of communication and how to use them with clients and prospects -7 tools of 21st Century Communication -The best way to use social media with clients and prospects -How to set up online and social media tools and manage them in a few minutes -How to make old-school communication techniques new and relevant again -The secret to getting clients to consistently refer prospects to your agency -How to attract client cross-sales instead of constantly having to chase them -The importance of touching your clients 24 times per year and how to do it -The importance of a communication calendar and the formula that makes it easy -How to create "social influence" -Two easy formulas for writing communication pieces that clients want to read -The two most important things to concentrate your time, effort, and energy on

The 21st Century Agent

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Author :
Publisher : Strategic Coach Incorporated
ISBN 13 : 9780969840138
Total Pages : 228 pages
Book Rating : 4.8/5 (41 download)

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Book Synopsis The 21st Century Agent by : Dan Sullivan

Download or read book The 21st Century Agent written by Dan Sullivan and published by Strategic Coach Incorporated. This book was released on 1995 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:

21st Century Communication: A Reference Handbook

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Publisher : SAGE
ISBN 13 : 1412950309
Total Pages : 993 pages
Book Rating : 4.4/5 (129 download)

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Book Synopsis 21st Century Communication: A Reference Handbook by : William F. Eadie

Download or read book 21st Century Communication: A Reference Handbook written by William F. Eadie and published by SAGE. This book was released on 2009-05-15 with total page 993 pages. Available in PDF, EPUB and Kindle. Book excerpt: Highlights the most important topics, issues, questions, and debates affecting the field of communication in the 21st Century.

21st Century Communication

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Publisher :
ISBN 13 :
Total Pages : 480 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis 21st Century Communication by : William F. Eadie

Download or read book 21st Century Communication written by William F. Eadie and published by . This book was released on 2009 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: Via 100 chapters, this set highlights the most important topics, issues, questions, and debates any student obtaining a degree in the field of communication ought to have mastered for effectiveness in the 21st Century. --from publisher description.

Insurance Agency Optimization

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Publisher :
ISBN 13 : 9781099492310
Total Pages : 132 pages
Book Rating : 4.4/5 (923 download)

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Book Synopsis Insurance Agency Optimization by : Scott Grates

Download or read book Insurance Agency Optimization written by Scott Grates and published by . This book was released on 2019-05-20 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance Agency Optimization was written by a multi-line insurance agency owner, for multi-line insurance agency owners. It was written to help agency owners understand that they are not alone. The reality is almost nobody who owns an insurance agency ever planned on owning an insurance agency. Once upon a time I was a highly successful salesperson, or sales manager, or corporate executive or somebody special in some other field. Then, I got sick of working for somebody else and I thought it would be awesome to own my own business, create my own schedule, make tons of money, travel the world and golf a lot. So I opened my own insurance agency. The problem is insurance agency owners who jumped into this industry during the 21st century have a much different looking opportunity than those who came before them. It's still a tremendous opportunity, but the rewards aren't realized until several years of dues are paid. This book was written to save agency owners time and money as an alternative to present day trainings and seminars which offer quick fixes, silver bullets and shortcuts to success; none of which exist. Insurance Agency Optimization uses simple, easy to understand mindsets, systems and processes which have worked in all sales industries since the beginning of time. This book focuses on the common denominators all successful agencies share. Readers will learn to consistently focus on daily disciplines which increase levels of health, happiness and overall productivity. You'll be given the essential mindset required to win each moment so you can win every day. And it will provide you and your teams with the tools required to dominate your market and ultimately work so efficiently your competition cannot even be compared to you. The insurance business is simple, but it's certainly not easy. You recruit, hire, train, educate and continuously motivate highly productive team members. You get to know your prospects by having conversations which uncover needs and then you offer the best possible solutions to satisfy those needs. Sounds simple, but again...it's not easy. This book was written and The Positive Impact Club was developed to make your life as the proud owner of a multi-line insurance agency much easier and will put you and your team on the right path to: Recognize and optimize every customer opportunity within every interaction each and every day Stand above and ultimately eliminate your competition Create a winning office culture with personal and team accountability Plan, prepare, track and ultimately WIN every day Implement a simple, repeatable sales processes to uncover multiple customer needs within one relaxed conversation EARN more referrals, ELIMINATE wasted marketing dollars and RETAIN more customers than ever before Become the happiest, healthiest and most productive version of yourself Perhaps you didn't fully understand what you were jumping into when you opened your insurance agency. And chances are you often times feel overwhelmed, confused or frustrated. The good news is you are not alone. The better news is there are proven ways to improve your results spelled out in this book. The best news is, this book will show you how to close the "knowledge/action gap." It's great to know things, but without action knowledge is useless. Insurance Agency Optimization will challenge you to take one, two or three key components that best suit your agency and implement them immediately. The strategies shared in this book are proven to work and grow your business regardless of where you are today. After reading Insurance Agency Optimizationand joining The Positive Impact Club the only regret you'll have is that you didn't know all of this sooner!

Business Communication: Essential Starategies for 21st Century Managers, 2nd Edition"

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Author :
Publisher : Vikas Publishing House
ISBN 13 : 9325981173
Total Pages : pages
Book Rating : 4.3/5 (259 download)

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Book Synopsis Business Communication: Essential Starategies for 21st Century Managers, 2nd Edition" by : Shalini Verma

Download or read book Business Communication: Essential Starategies for 21st Century Managers, 2nd Edition" written by Shalini Verma and published by Vikas Publishing House. This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This book Business Communication: Essential Strategies for Twenty-first Century Managers brings together application-based knowledge and necessary workforce competencies in the field of communication. The second edition utilizes well-researched content and application-based pedagogical tools to present to the readers a thorough analysis on how communication skills can become a strategic asset to build a successful managerial career. With the second edition, Teaching Resource Material in the form of a Companion Website is also being provided. This book must be read by students of MBA, practicing managers, executives, corporate trainers and professors. KEY FEATURES • Learning Objectives: They appear at the beginning of each chapter and enumerate the topics/concepts that the readers would gain an insight into after reading the chapter • Marginalia: These are spread across the body of each chapter to clarify and highlight the key points • Case Study 1: It sets the stage for the areas to be discussed in the concerned chapter • Case Study 2: It presents real-world scenarios and challenges to help students learn through the case analysis method • Tech World: It throws light on the latest advancements in communication technology and how real-time business houses are leveraging them to stay ahead of their competitors • Communication Snippet: It talks about real organizations/people at workplaces, their on-job communication challenges and their use of multiple communication channels to gain a competitive edge • Summary: It helps recapitulate the different topics discussed in the chapter • Review and Discussion Questions: These help readers assess their understanding of the different topics discussed in the chapter • Applying Ethics: These deal with situation-based ethical dilemmas faced by real managers in their professional lives • Simulation-based Exercise: It is a roleplay management game that helps readers simulate real managers or workplace situations, and thereby enables students to apply the theoretical concepts • Experiential Learning: It provides two caselets, each followed by an Individual Activity and a Team Activity, based on real-time business processes that help readers ‘feel’ or ‘experience’ the concepts and theories they learn in the concerned chapter to gain hands-on experience • References: These are given at the end of each chapter for the concepts and theories discussed in the chapter

E-Systems for the 21st Century

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Publisher : CRC Press
ISBN 13 : 1315342383
Total Pages : 944 pages
Book Rating : 4.3/5 (153 download)

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Book Synopsis E-Systems for the 21st Century by : Seifedine Kadry

Download or read book E-Systems for the 21st Century written by Seifedine Kadry and published by CRC Press. This book was released on 2019-07-10 with total page 944 pages. Available in PDF, EPUB and Kindle. Book excerpt: E-based systems and computer networks are becoming standard practice across all sectors, including health, engineering, business, education, security, and citizen interaction with local and national government. They facilitate rapid and easy dissemination of information and data to assist service providers and end-users, offering existing and newly engineered services, products, and communication channels. Recent years have witnessed rising interest in these computerized systems and procedures, which exploit different forms of electronic media to offer effective and sophisticated solutions to a wide range of real-world applications. With contributions from researchers and practitioners from around the world, this two-volume book discusses and reports on new and important developments in the field of e-systems, covering a wide range of current issues in the design, engineering, and adoption of e-systems. E-Systems for the 21st Century: Concept, Developments and Applications focuses on the use of e-systems in many areas of sectors of contemporary life, including commerce and business, learning and education, health care, government and law, voting, and service businesses. The two-volume book offers comprehensive research and case studies addressing e-system use in health, business, education, security, and citizen interaction with local and national government. Several studies address the use of social networks in providing services as well as issues in maintenance and security of e-systems as well. This collection will be valuable to researchers at universities and other institutions working in these fields, practitioners in the research and development departments in industry, and students conducting research in the areas of e-systems. The book can be used as an advanced reference for a course taught at the undergraduate and graduate-level in business and engineering schools as well.

Agents of Change

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Publisher :
ISBN 13 : 9780692841044
Total Pages : pages
Book Rating : 4.8/5 (41 download)

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Book Synopsis Agents of Change by : MR John M Tate

Download or read book Agents of Change written by MR John M Tate and published by . This book was released on 2017-02-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: In this engaging and easy-to-read book, follow along with fictional insurance agency owner, Jim Wakefield, as he fights to keep his struggling small business afloat. Slowly and surely, he discovers not only how to find more customers, but also how to retain them for the long-term through loyalty-generating marketing initiatives. During his year of eventual marketing mastery, Jim and his team bond closely as they overcome significant odds to reach a point of growth and sustainability. For clarity, the authors step in at the end of each chapter to provide further explanation and free valuable resources to help you attain the same success as Jim in your own hometown insurance agency...or any other business. The discoveries of fictional agency owner, Jim, and his team are factual and footnoted, and matching results from his activities can be found in hundreds of individual successes that Agency Marketing Machine has helped to produce for clients.

Indian Insurance Sector in 21st Century

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Author :
Publisher : Gyan Publishing House
ISBN 13 : 9788178357829
Total Pages : 416 pages
Book Rating : 4.3/5 (578 download)

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Book Synopsis Indian Insurance Sector in 21st Century by :

Download or read book Indian Insurance Sector in 21st Century written by and published by Gyan Publishing House. This book was released on 2009 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Insurance Marketing Blueprint

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Publisher :
ISBN 13 : 9781076930729
Total Pages : 154 pages
Book Rating : 4.9/5 (37 download)

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Book Synopsis Insurance Marketing Blueprint by : Sean Matheis

Download or read book Insurance Marketing Blueprint written by Sean Matheis and published by . This book was released on 2020-05-08 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nothing innovative has happened in the insurance industry since the early 2000's when internet leads were introduced. UNTIL NOW...The Insurance Marketing Blueprint introduces a brand new and more effective way for insurance agents to grow their agency. The principles in this book were created by Sean Matheis, Founder & CEO of The Agency Alliance Mastermind. The Agency Alliance is one of the 1st lead generation masterminds in the industry and has quickly become of the largest masterminds in the insurance industry with over 1,800 members. Sean is also the Founder of one of the top digital marketing agencies for insurance agents, SureFire Digital Media. Sean then went on to build the first turn-key marketing automation platform and automated lead generation platform in the insurance industry, The Insurance Lead Genie. Sean has had an incredibly successful career in the insurance industry for over 10 years. Before Sean started what has become the industry's largest insurance lead generation training program, Sean was named Rookie of The Year in his first year as an agent, out producing over 1,200 rookie agents hired that year, closing over 700 policies and $1,000,000 of new business premium himself. Sean remained in the top 1% of agents nationwide and #2 in Texas for one of the top 3 carriers in the country. Today, more than 1,800 agents representing every major carrier, from every market in the United States are using the strategies taught in this book. The Insurance Marketing Blueprint has been field-tested and proven to explode new business growth no matter what your tenure is, what size market you are in, or what carriers you represent. This blueprint simply works and will go down as the book that changed the marketing model for successful insurance agents. You can get a FREE copy of the E-book at www.insurancemarketingblueprint.com if you get the FREE copy please share your review on our page.

Insurance Agency 4.0

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Publisher :
ISBN 13 : 9781647465223
Total Pages : 136 pages
Book Rating : 4.4/5 (652 download)

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Book Synopsis Insurance Agency 4.0 by : Matt Masiello

Download or read book Insurance Agency 4.0 written by Matt Masiello and published by . This book was released on 2020-11 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prepare for the Future Develop Your Digital Road Map Increase Profit, Scalability, and Time We are currently in the Fourth Industrial Revolution, where digital capabilities are providing velocity to all prior developments. This includes the insurance industry and independent insurance agents. Do you have a digital strategy? The insurance industry and independent insurance agencies have been slow to adapt to change, but change is here. Insurance Agency 4.0 brings together the digital evolution of insurance agencies and presents a wholistic view of the future agency. Main Street staples like bookstores, travel agents, and music stores have been disintermediated and their products moved online and into self-service; but insurance's complex nature has kept the local insurance agent viable. However, consumers are becoming better educated, price wars blast across all advertising, and people expect the same digital experiences across all parts of their lives, including with their insurance agent. Insurance Agency 4.0 will help agency owners and managers develop a custom path to modernize their business strategy relative to their people, marketing, operations, service, and sales while developing a practical approach to: - Discover and Analyze Your Starting Point - Develop Your Strengths, Weaknesses, Opportunities, and Threats - Build and Execute Your Customized Strategic Digital Plan

Teaching & Assessing 21st Century Skills

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Publisher : Solution Tree Press
ISBN 13 : 0983351228
Total Pages : 259 pages
Book Rating : 4.9/5 (833 download)

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Book Synopsis Teaching & Assessing 21st Century Skills by : Robert J. Marzano

Download or read book Teaching & Assessing 21st Century Skills written by Robert J. Marzano and published by Solution Tree Press. This book was released on 2011-08-09 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the 21st century unfolds, the pace of change in the world is accelerating. The authors believe a combination of cognitive skills (skills students will need to succeed academically) and conative skills (skills students will need to succeed interpersonally) is necessary for the 21st century. This clear, practical guide presents a model of instruction and assessment based on these skills.

Learning & Living in the 21st Century i for H.s.' 2007 Ed.

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Author :
Publisher : Rex Bookstore, Inc.
ISBN 13 : 9789712347849
Total Pages : 436 pages
Book Rating : 4.3/5 (478 download)

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Book Synopsis Learning & Living in the 21st Century i for H.s.' 2007 Ed. by :

Download or read book Learning & Living in the 21st Century i for H.s.' 2007 Ed. written by and published by Rex Bookstore, Inc.. This book was released on with total page 436 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Bringing Government into the 21st Century

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Publisher : World Bank Publications
ISBN 13 : 1464808821
Total Pages : 194 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis Bringing Government into the 21st Century by : Tina George Karippacheril

Download or read book Bringing Government into the 21st Century written by Tina George Karippacheril and published by World Bank Publications. This book was released on 2016-06-28 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume—a collaborative work between the World Bank’s Global Governance Practice and a team of researchers working with the Korean Development Institute—is dedicated to the proposition that there is much that can be learned from a careful and nuanced assessment of Korea’s experience with e-governance. It seeks to draw lessons both from the large reservoir of experience as to what has worked, as well as the more limited and isolated examples of what has not. In particular, it seeks to achieve two objectives. The first is to accurately understand, capture and distill the key dimensions of Korea’s e-governance experience so that it can be properly understood and appreciated. Towards this end, some of the world’s leading experts on Korea’s e-governance experience have been engaged in its preparation, and their conclusions have been carefully vetted and reviewed by other leading scholars of the role of IT systems within government. The goal is to avoid flip generalizations or characterizations, such as 'political will is important' or 'it is important to embed e-governance within a broader strategy to develop a domestic IT industry,' but to truly understand the complex interplay between differing political, economic and bureaucratic interests and how they shaped decisions about developing the technological and human infrastructure that would support Korea’s successful thrust to be the world’s leading nation in this area. The second is to ponder the lessons learned and what did and did not work from Korea’s experience for other developing countries seeking to strengthen the role of information technology within their public sectors.