UT Team Heads to New Jersey to Help with Super Bowl XLVIII

KNOXVILLE—A group of students, a faculty member and an alumna of the University of Tennessee, Knoxville, will head to East Rutherford, N.J., next week to work behind the scenes at Super Bowl XLVIII, one of the largest one-day mega-sporting events in the world.

From left to right: Erika Morris, Destini Long, Andrew Pankratz, Courtney Bowditch, Inky Johnson, Dani Polk, Debbie Mackey, Vincent Johnson, Whitely Rowlett and Lizzy Van Dyke

This year’s game, on Feb. 2, will feature the Denver Broncos and the Seattle Seahawks.

Debbie Mackey, a senior lecturer and director of the Human Resource Management master’s program, will lead the team. This is the eighth year a UT group has worked at the Super Bowl.

The UT team will be on site Jan. 29 to Feb. 3.

“This is such a valuable experience for the students, whether in sports management or business,” Mackey said. “The practical side of this experience will assist them in all aspects of business.”

The students will work with NFL on Location at various special events before and during the Super Bowl. They also will meet with ESPN professionals and learn about how to get started in the professional world. 

Students held fundraisers, including a dinner featuring former Vol and inspirational speaker Inky Johnson, to pay for their trip.

Team members:

  • Dani Polk, of Fishers, Ind., is a senior and double major in marketing and supply chain who will help lead the team. This is her third Super Bowl trip.
  • Destini Long, of Orlando, Fla., is a junior in retail and consumer science. This is her second Super Bowl trip.
  • Erika Morris, of Austell, Ga., is a second-year graduate student in sports management. This is her second Super Bowl trip.
  • Lizzy Van Dyke, of Denver, Colo., is a senior in sports management.
  • Whitley Rowlett, of Mt. Juliet, Tenn., is a senior in sports management.
  • Vincent Johnson, of Johnson City, Tenn., is a senior in journalism and electronic media.
  • Andrew Pankratz, of Rockwood, Tenn., is a senior in business management.
  • Courtney Bowditch, of Knoxville, Tenn., is a senior in human resources management.
  • Lexi Bottone is an alumna who will accompany the team. She works in sales for the Tampa Bay Buccaneers.

 

CONTACTS:

Dani Polk (317-903-9661, dpolk3@utk.edu)

Debbie Mackey (865-974-7014, dmackey@utk.edu)

Lola Alapo (865-974-3993, lalapo@utk.edu)

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UT Students Rank in Top 3 Percent in Nation for Passing 2013 CPA Exam

KNOXVILLE—Students from the University of Tennessee, Knoxville, ranked in the top 3 percent in the nation for their passage rates on the Certified Public Accountant exam, according to recently released numbers.

UT students ranked 26th out of 787 schools across all national programs, according to the National Association of State Boards of Accountancy, which recently reported its 2013 CPA examination passage rates for all universities across the United States.

The data was calculated from the scores of students who took the exam for the first time.

UT students also ranked 11th out of 262—in the top 4 percent—among large programs, according to the association. Large programs are those that had at least 50 candidates take the exam last year.

“Our faculty has done a great job preparing our students not only to pass but to excel on the CPA exam,” said Joe Carcello, interim head of the Department of Accounting and Information Management. “Our students, their parents, employers and other constituents clearly expect us to adequately prepare our graduates for entry into the profession, and we are meeting that challenge.”

CONTACTS:

Lola Alapo (865-974-3993, lalapo@utk.edu)

Joe Carcello (865-974-1757, jcarcell@utk.edu)

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College of Business Administration Alumni Honored in 2013 Greater Knoxville Business Journal “40 under 40”

Congratulations to the College of Business Administration alumni who were selected as honorees for the 2013 Greater Knoxville Business Journal “40 under 40.” These individuals, all younger than age 40, were selected for leaving their mark on East Tennessee through their professional achievements and philanthropic efforts.

Sean Brewer (1995, 1997) Senior Tax Manager, Pugh CPAs

http://www.knoxnews.com/news/2014/jan/06/sean-brewer-39senior-tax-manager-pugh-cpas/

Stephen Brumbelow (1998, 2000) Senior Manager, Lattimore Black Morgan & Cain

http://www.knoxnews.com/news/2014/jan/06/s-mark-brumbelow-39senior-manager-lattimore-cain/

Scott Burdette (1997) Owner, Golf Excursions

http://www.knoxnews.com/news/2014/jan/06/scott-burdette-39owner-golf-excursions/

Matt Castle (2002) North American Commercial Director of Rod Sales, Alcoa Inc.

http://www.knoxnews.com/news/2014/jan/06/matthew-castle-33north-american-commercial-of/

Heather Cloar (2005) Contracting Officer, U.S. Department of Energy

http://www.knoxnews.com/news/2014/jan/06/heather-cloar-33contracting-officer-us-of-energy/

Shannon Harper (2007) Vice President, Harper Auto Square

http://www.knoxnews.com/news/2014/jan/06/shannon-harper-29vice-president-harper-auto/

Jaime Hemsley (1998) Owner, Gage Models and Talent Agency

http://www.knoxnews.com/news/2014/jan/06/jaime-hemsley-38owner-gage-models-and-talent/

Carl Hill (2005, 2009) Director of Marketing, Clayton Homes

http://www.knoxnews.com/news/2014/jan/06/carl-hill-32director-of-marketing-clayton-homes/

Scott Hitch (1999) CEO, Tennessee Cancer Specialists

http://www.knoxnews.com/news/2014/jan/06/scott-hitch-39ceo-tennessee-cancer-specialists/

Meredith Hodge (2014) Vice president, Treasury Management Sales Manager; First Tennessee Bank

http://www.knoxnews.com/news/2014/jan/06/meredith-futhey-hodge-34/

Wade Knapper (2011) Vice President and Commercial Relationship Manager, SunTrust

http://www.knoxnews.com/news/2014/jan/06/wade-knapper-30/

Josh Knight – Project Manager, Hickory COnstructoin

http://www.knoxnews.com/news/2014/jan/06/josh-knight-35project-manager-hickory/

Chad Martin (2003) Surety Bond Manager, TIS Insurance Services

http://www.knoxnews.com/news/2014/jan/06/chad-martin-33surety-bond-manager-tis-insurance/

Matt Price (2001) Petroleum Pricing/DEF Manager, Pilot Flying J

http://www.knoxnews.com/news/2014/jan/06/matt-price-35petroleum-pricingdef-nanager-pilot/

Hunter Purnell (2003) Vice President of Construction and Sales, McCamy Construction

http://www.knoxnews.com/news/2014/jan/06/hunter-purnell-33vice-president-of-construction/

Tony Spezia III (2003) Senior Manager, Mechanical Engineering; Siemens Medical Solutions USA

http://www.knoxnews.com/news/2014/jan/06/tony-spezia-iii-34senior-manager-mechanical-usa/

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Let’s Go Shopping

shopping-1-580x305

By Lola Alapo
This article was reprinted from Quest magazine.

Ever been embarrassed to buy hemorrhoid ointment, tampons, adult diapers, or other personal hygiene products at the store? Chances are you have. Did you wind up buying other products you really didn’t need in an attempt to distract attention from your awkward purchase? Research shows you probably did.

Dan Flint is a pioneer in the growing field of shopper marketing research. As the Regal Entertainment Group Professor of Business in UT’s Department of Marketing and Supply Chain Management, he is an expert on how people shop.

With a weakened economy and slim profit margins, retailers and manufacturers are trying to better understand shopping behavior—how people navigate stores, what catches their eye, and what else they purchase to mask other products—to figure out ways to entice shoppers to buy more or look just a few seconds longer at their goods. The longer a shopper lingers, the greater the chance of a purchase.

“We spend a lot of time looking inside people’s heads,” Flint says. “We’re learning a lot about the differences between the way men’s and women’s brains process information. Shopper marketing is not about marketing in-store versus out-of-store. It’s about the shopper’s mindset and focusing on people when they’re in shopping mode.”

Building on Behavior

Dan Flint, director of UT’s Shopper Marketing Forum

Do you usually make a list before you go to the grocery store? If so, you probably come home with more than you planned. “About 50 to 70 percent of consumer goods people buy are choices made in stores—not what’s on their shopping list,” Flint says. Retailers and manufacturers are working to capitalize on that spontaneous decision process even as they vie with competitors to win shoppers’ loyalty.

“Brands are becoming more serious about doing retailer-specific research and aligning marketing strategic plans to assist retailers in differentiating from their competition,” he says.

In-store demos and interactive digital displays are just some of the innovative methods of gathering insights on shoppers and developing integrated marketing strategies. The focus then becomes effectively executing those plans and measuring the return on investment.

To address the challenges and find potential solutions in this arena, business leaders have turned to UT’s Shopper Marketing Forum—the first of its kind in the nation. “It’s a way to pull together companies around a common topic,” says Flint, who launched the forum in 2009 and serves as its director.

Science to the Rescue

Where the business world is falling short, the academic world is making up the difference. Extensive research in neurology, psychology, social psychology, behavioral economics, strategy, web analytics, business analytics, and supply chain management can be tapped to more efficiently market products to the proper demographic. But it’s not as easy as it sounds.

Scientists have connected shoppers to electroencephalogram (EEG) equipment to capture physiological effects of certain products. They’ve tracked how shoppers interpret visual product cues through the use of eye tracking goggles. Neurologists have used magnetic resonance imaging (MRI) and other equipment to determine which part of the brain shoppers use when viewing a brand.

Women will typically respond more to social images in advertising

Researchers have shopped alongside, interviewed, and video-recorded thousands of shoppers. The results of these various studies have driven retailers and brand manufacturers to alter their approach on virtually everything, even down to the type of shelving used in stores.

“Experience and simple human evolution teaches us that bumping into the sharp edge of a desk or shelf hurts, so people tend to unconsciously avoid them,” Flint says. “But if we round the corners of the end of an aisle display, more shoppers tend to go down the aisle.”

Some retailers are now setting up displays made of wood because “research shows that wood makes you feel calmer,” Flint says. “Retailers want to make you feel calmer so you slow down. When you slow down, they have two more seconds of your time; time they can use to communicate with you.”

The research also influences the design of advertisements.

“Women will typically respond more to social images such as smiling faces, multiple people in a scene, and close-up shots,” Flint says. “Men, on the other hand, will respond to structure and power. Men will project an end state and women will project themselves into a scenario.”

More than Numbers

Many retailers have turned to companies that use mathematical modeling and business analytics to dissect data and tell them how they’re faring against their competitors.

Even as retailers and brand manufacturers look to grow their businesses, many are still not aware of, or are not effectively using, scientific research. Conversely, some academics are conducting research while remaining unaware of some of the major issues shopper marketing managers are facing.

Men respond to advertising featuring structure and power

“We want to bridge the gap between industry and academia,” Flint says. “The goal is to make sure academic research is relevant and to get businesses to incorporate the research.”

In the meantime, Flint continues his contributions to the realm of shopper marketing. He and a colleague recently examined what shoppers do when they purchase items that make them uncomfortable, such as condoms, pregnancy kits, and suppositories. They found the college students in the study would often buy inexpensive items such as a magazine or gum to help conceal those types of purchases.

Flint says this behavior mirrors that of most shoppers and it’s exactly what the merchants want—to sell more stuff. So next time you go shopping, your shame might wind up adding to some company’s bottom line.

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UT Study: Political Speeches Affect Businesses’ Investments in States

KNOXVILLE—The tone and content of a politician’s speech affects whether businesses make financial and employment investments in that politician’s state, according to a new study from the University of Tennessee, Knoxville.

larry-fauverLarry Fauver, the James F. Smith Jr. Professor of Financial Institutions in the UT College of Business Administration, co-authored the study, which examined gubernatorial speeches in the United States.

In the year following the speech, businesses in states where the governor gave a more optimistic speech invested 2 percent more of their capital compared to firms in states where the governor gave a more pessimistic speech.

Similarly, firms in states where the governor gave a more pessimistic speech employed 0.4 percent fewer workers than those in states that heard a more optimistic speech, according to the study.

The results were featured in the fall edition of Insight, a publication of the Indian School of Business in India.

Fauver’s coauthor, Nandini Gupta, presented the research January 5 at the American Economic Association meeting in Philadelphia.

Fauver and co-authors Art Durnev of the University of Iowa and Gupta of Indiana University studied 388 “State of the State” gubernatorial addresses across all 50 states between 2002 and 2010. They also observed 5,721 firms during the same time period, and, based on the location of their headquarters, examined their response to the tone of the speech.

The researchers used software to analyze words in the addresses and identified them as either delivering a positive/optimistic message or negative/pessimistic message.

Optimistic words such as “successful,” “pride” and “patriotism” expressed positive, endorsing language. Pessimistic words such as “malicious,” “unemployment,” “nothing” and “bankrupt” reflected hardship and denial.

The study found that political speeches likely decreased firms’ uncertainty regarding government policy on issues such as taxation, subsidies and education, which can affect asset values, investment and output decisions.

“Conversely, political speech may be uninformative rhetoric reflecting a political agenda or may simply reproduce information already known to investors and firms,” the study states.

Other study findings:

  • Firms that obtain state government contracts significantly increased investments if the budget-related parts of the speech were more optimistic.
  • Companies that are more dependent on skilled employees significantly increased their investment spending if the education-related parts of the speech were more optimistic.
  • When economic times were tougher and information less available, firms paid more attention to the speeches. This suggests that the political speeches are informative and contain information that is relevant to firms and investors.
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Brotherly Love: Lee Brothers Graduate Together from Two UT Executive-Level MBA Programs

2013_Buddy_and_Richard_LeeBuddy and Richard Lee walked across the stage last December to receive their well-earned diplomas; Buddy first and then Richard. They both added MBA to the end of their names: Buddy (Lloyd Dewey Lee Jr.) earned his MBA from the UT Executive MBA for Strategic Leadership program and Richard Lee, MD, from the UT Physician Executive MBA program.

Richard is a senior medical oncologist/hematologist at Tennessee Cancer Specialists in Knoxville and former chief of staff and board member of Baptist Hospital of East Tennessee. He enrolled in the UT Physician Executive MBA program after years of contemplation, simultaneously learning that his brother, Buddy, was also thinking of enrolling into another UT College of Business Administration MBA program for the 2013 academic year.

“Physicians typically undergo no formal business education in the course of their training,” says Richard, “but understanding the business of healthcare is becoming more critical in today’s healthcare environment.” His administrative experiences within the Baptist Hospital system steeled his resolve to learn as much as possible about healthcare management. “I chose the UT program because it is considered the premier physician MBA program in the country. I found the intensive curriculum to be incredibly relevant and was able to incorporate what I learned into my practice in real-time.”

While enrolled in the one-year program, Richard maintained his 60-hour workweek as an oncologist/hematologist in the Morristown and Harrogate (TN) communities and continued to teach medical students as an adjunct faculty member at the DeBusk College of Osteopathic Medicine at Harrogate’s Lincoln Memorial University.

“Participation in the program was the single best professional event of my life, every bit as important to me as medical school, residency, and fellowship training. My only regret is that I did not pursue the course of study many years ago,” continues Richard.

Buddy’s MBA path was longer; he originally enrolled in the UT MBA program in 1987, 25 years prior to entering the executive-level MBA program. “1987 was years before the use of the Internet, so there were no distance-learning classes available. My 70-percent-travel sales position did not mix well with required Wednesday evening classes, so I had to withdraw from the program second semester,” says Buddy. “However, I did not know that my not-so-stellar grades would reside on my transcript forever. I had to appeal for acceptance into the UT executive MBA program and had to keep my grades up to remain in the program. So, this time around, I was intensely focused on academic achievement.”

“The theme for the Executive MBA for Strategic Leadership program was transformational change, which is about personal and professional improvement,” says Buddy. “I can truly say that my interaction with the faculty and other students forced me to think and perform at a level that I never would have achieved on my own.”

The Lee Brothers grew up in South Knoxville and graduated from South-Young High School, Buddy in 1978 and Richard in 1980.  Buddy earned two undergraduate degrees, one in music from Carson-Newman and a second in electrical engineering from UT.  Richard received his undergraduate degree in microbiology and biochemistry from UT, a medical degree from UT Memphis, and was trained in internal medicine at the University of Alabama-Birmingham and in hematology/medical oncology at the University of Florida.

Buddy is a senior account manager with Industrial Information Resources in Sugarland, Texas, and co-founder of the Greater East Tennessee chapter of the Society of Maintenance and Reliability Professionals. His company sponsored a large part of Buddy’s program-long Organizational Action Project in which he designed and will continue to execute a program that correlates industrial reliability programs with increased safety levels in large manufacturing plants.

Richard will continue his practice and teaching schedule and pursue additional graduate studies at the University of Florida in pharmaceutical policy, regulation, and public health and at the University of South Florida in healthcare informatics.

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UT Study: New Trucker Rest Rules Could Mean Higher Consumer Costs

KNOXVILLE—New federal regulations mandating rest time for truckers could mean increased costs for consumers, according to a new study from the Global Supply Chain Institute at the University of Tennessee, Knoxville.

generic_truckThe new hours-of-service rules from the U.S. Department of Transportation’s Federal Motor Carrier Safety Administration are designed to improve driver safety by reducing truck driver fatigue. In place since July 1, the rules reduce the maximum number of truckers’ weekly driving hours from 82 to 70 and mandate a 30-minute rest break prior to the eighth hour on duty.

But the rules also mean it might take longer for companies to transport their products or force them to add more truckers on the road. The UT study surveyed 417 companies and found that 58 percent of them expected an increase in their carrier rates. They anticipated passing on the costs to their customers in the long term.

Mary Holcomb, an associate professor and the study’s author, believes that this is not a realistic solution. She is the Niedert Supply Chain Fellow in the UT Department of Marketing and Supply Chain Management, which is based in the College of Business Administration. Dean Vavalides, logistics analyst for Pilot Flying J, collaborated on the study.

“In this economy, companies won’t want to damage the relationships with their customers by raising prices,” Holcomb said. “Carriers may be unable to absorb these increased costs, so companies will have to improve their operations in order to minimize their impact.”

Holcomb’s study identifies ways companies could mitigate those costs. She noted that many of those businesses are incorporating some new initiatives. 

“Many of them also will be a doubling down on efforts already underway,” she said.

Efforts to transport products more efficiently and control costs include the following:

  • Extending lead time for some customers
  • Increasing customer delivery windows
  • Improving shipment consolidation
  • Increasing the use of “drop and hook,” which involves dropping a loaded trailer at a customer’s facility and hooking up and leaving with another loaded trailer

The research also uncovered actions that many companies have yet to consider. Less than 5 percent of the polled companies planned to reduce costs by consolidating shipments with other companies.

“The logistics of coordinating shipping across companies is often too complex to sustain,” Vavalides said. “It just requires too much synchronization.”

Holcomb added that she was also surprised to discover that so few companies plan on shifting their transportation methods from truck to rail although research showed that long-haul moves have been the most impacted by the hours-of-service rule change. Switching the long-haul moves from truck to rail could reduce the arrival time, she said.

The UT Global Supply Chain Institute will conduct a follow-up study in mid-2014 on the longer-term impact of the hours-of-service rules.

For a copy of the study, email mholcomb@utk.edu.

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Behn to lead UT Business College’s Master’s, Executive Education Programs

KNOXVILLE—Effective January 1, 2014, new leadership will come to College of Business Administration’s masters and executive education programs at the University of Tennessee, Knoxville.

Bruce Behn

Bruce Behn, the Deloitte LLP Professor, will become associate dean for graduate programs and executive education. He succeeds Matt Myers, who is leaving for a dean position at Miami University in Ohio.

Behn will oversee all non-degree executive education programs, executive-level Master of Business Administration degree programs and non-executive graduate-level programs. They include the full-time MBA and the specialized master’s degree in accounting, business analytics and human resource management.

Joe Carcello

In accepting the position of associate dean for graduate programs and executive education, Behn is stepping down as head of the college’s Department of Accounting and Information Management. Joe Carcello, EY & Business Alumni Professor and director of the college’s Corporate Governance Center, will serve as interim department head.

Behn has taught in the college’s master’s-level degree and non-degree programs for 20 years. He is highly acclaimed in the accounting profession. He recently received the American Institute of Certified Public Accountants (AICPA) Special Recognition Award and the American Accounting Association (AAA) Outstanding Service Award for his involvement in the Pathways Commission, an AICPA/AAA partnership that studied and recommended improvements in accounting education.

He has received numerous teaching honors, including the AAA’s Innovation in Accounting Education award, UT’s Alumni Outstanding Teaching award and the Tennessee Society of Certified Public Accountants Outstanding Educator of the Year. His research is widely published, and he has served as a co-editor or associate editor for prestigious accounting journals.

Kate Atchley

As part of Behn’s leadership team, Kate Atchley, distinguished lecturer, will become executive director of all executive-level MBA programs.

Atchley has been director of the college’s Executive MBA for Strategic Leadership program since 2008. Since joining UT in 2000, she also has been assistant department head of the Department of Management, director of the college’s Leadership Development Program and managing partner of the Tennessee Assessment Center, a venture specializing in the selection and development of managers and executives.

She has consulted for various companies nationally and in Thailand, including Shinawatra Company Inc., Ruby Tuesday Inc., Tennessee Valley Authority, Boeing, Lockheed Martin Energy Systems, and BellSouth’s L.M. Berry and Co.

Her areas of interest are employee selection, executive development, performance appraisal and individual differences in the workplace.

CONTACT:

Cindy Raines (865-974-4359, craines1@utk.edu)

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Meet the Entrepreneurs

Take a look at a few recent alumni and a student whose businesses were helped by the Anderson Center for Entrepreneurship and Innovation. The center itself, originally approved in 2009 under a different name, was helped along the way by a gift from Charlie and Moll Anderson. In 2010, the center took on the Anderson name and saw acceleration in its programs and successes for its students. Read more.

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Bringing Big Ideas to Life

acei-12-2013-smStudents on college campuses across the country are sporting an ergonomic single-strap backpack that redistributes weight evenly throughout the body to reduce stress on their backs.

A San Francisco, California–based company has created games that have reached the million-download mark.

Here in East Tennessee, a fitness business that addresses childhood obesity is making inroads at schools, and it’s working to train others to do so in their own communities.

All of these big ideas were brought to life by UT undergraduate students with the help of the Anderson Center for Entrepreneurship and Innovation. Read More

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UT Professor Discusses Supply Chain Management

UT Associate Professor Chad Autry discusses moving packages from a warehouse to your door with WBIR reporter, John Becker. View the video.

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Big Data Beyond Business Intelligence: UT highlighted

UT professor and student quoted in article. Read More.

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Case Study: Clear Message, Focused Events Recommended for Nonprofit

This past spring, five MBA students partnered with the Fort Loudoun Lake Association to better define the organization’s objectives and determine new ways for the association to generate revenue and plan for growth. The team devoted 449 hours to the project. (PDF) (URL Link)

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Business Analytics Expert Coming to UT in Feb. 2014; Registration Now Open

KNOXVILLE—Leading firms are now using data analytics to drive their business strategies, make critical decisions and compete through their analytical prowess.

TomDavenportTom Davenport, one of the world’s renowned experts and thought leaders on knowledge management, data analytics and business processes, will conduct an interactive half-day seminar at the University of Tennessee, Knoxville, on Feb. 7, 2014, on how businesses can use big data to drive organizational change. It is available to the public and the campus community.

Registration is now open for the event, which will take place from 9 a.m. to noon in the James A. Haslam II Business Building, 1000 Volunteer Blvd. The cost is $450, or $295 a person if three or more participants attend from the same organization.

The seminar is titled “Competing on Analytics: How Fact-Based Decisions and Business Intelligence Drive Performance.” 

To register, visit http://execed.utk.edu/davenportseminar or email Peggy Jarrett at peggy.jarrett@utk.edu.

Davenport will cover topics including:

  • Forming a competitive strategy based on a sophisticated analysis of business data
  • Building broad capabilities for enterprise-level business analytics and intelligence
  • Creating analytics-driven business changes (it’s not just about the math!)
  • Competing on analytics and adapting best practices to an organization

Davenport is the President’s Distinguished Professor of Information Technology and Management at Babson College. He has taught at Harvard Business School, Dartmouth’s Tuck School, the University of Texas and the University of Chicago. He has led research centers at Accenture, McKinsey and Company, Ernst & Young, and CSC Index.

Davenport is a widely published author and speaker. His co-authored book “Competing on Analytics: The New Science of Winning” is a best-seller that has been translated into 13 languages. He has written, co-authored or edited more than a dozen other books, including the first books on business process re-engineering, knowledge management, attention management and enterprise systems. He writes for the Harvard Business Blog, The Wall Street Journal (CIO Journal) Blog, the International Institute for Analytics, and All Analytics: The Community for Data Management, Business Intelligence and Analytics.

As a pioneer in the field of big data, Davenport is also quoted regularly by publications such as The Wall Street Journal, The New York Times, Business Week, Fortune, Business 2.0, The Boston Globe and Fast Company.

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