{ "entity_id": "O-000815", "folder": "Australian-Military-Forces-Relief-Trust-Fund", "name": "Australian Military Forces Relief Trust Fund", "type": "Corporate Commonwealth Entity", "jurisdiction": "Commonwealth", "portfolio": "Defence", "website": "http://armyrtf.com.au", "data_status": "rich", "completeness": { "has_strategy_brief": true, "has_strategy_structured": true, "has_vision": false, "has_kpi_targets": true, "has_kpi_results": true, "has_strategy_overview": true, "has_legislation_text": true, "has_legislation_structured": true, "has_global_initiatives_text": true, "has_global_initiatives_structured": true, "n_global_initiatives": 9, "has_ideas": true, "has_artifacts": true, "n_ideas": 8, "n_legislation": 2, "n_artifacts": 12, "n_kpi_targets": 4, "n_kpi_results": 4, "n_outcomes": 2, "verified_own_data": true }, "strategy_profile": { "status": "published", "confidence": "high", "summary": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "official_site_url": "http://armyrtf.com.au", "source_documents": [ { "type": "annual_report", "title": "Annual Report 2024-25", "url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "period": "2024-25", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2023-24", "url": "http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf", "period": "2023-24", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2022-23", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf", "period": "2022-23", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2021-22", "url": "http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf", "period": "2021-22", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2020-21", "url": "https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf", "period": "2020-21", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2025-26", "url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "period": "2025-26", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2024-25", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corpoorate-plan-2024-25.pdf", "period": "2024-25", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2023-24", "url": "http://armyrtf.com.au/wp-content/uploads/ARTF-Corporate-Plan-2023-24.pdf", "period": "2023-24", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2022-23", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf", "period": "2022-23", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2021-22", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2021-2022.pdf", "period": "2021-22", "confidence": "high" } ], "purpose": { "text": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, "vision": null, "strategic_priorities": [ { "title": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who requi", "description": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, { "title": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldier", "description": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, { "title": "Financial management and investment—the provision of sound financial management and investment practice to ensure there ", "description": "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" } ], "values": [ { "name": "Sound financial management", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null }, { "name": "Investment practices", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null }, { "name": "Compliance with governance and legislative requirements", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null } ], "outcomes": [ { "name": "Outcome 1: Financial Assistance to Army Members", "description": "Provide financial assistance to members of the Army through the provision of low cost and affordable loans.", "activities": [ "Providing loans up to $6,000", "Providing special hardship payments up to $2,500" ], "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 4, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4" }, { "name": "Outcome 2: Financial Management and Investment", "description": "Apply prudent financial management and investment practices in accordance with the PGPA Act, Services Trust Fund Act 1947, other relevant legislative rules and accounting standards.", "activities": [ "Achieving a positive profit outcome", "Complying with corporate governance and legislative requirements" ], "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 4, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4" } ], "performance_measures": [ { "code": "CCE01", "measure": "Net cost of services", "target": "Less than $695,632", "latest_result": "$695,632", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE02", "measure": "Total expenses", "target": "Less than $718,751", "latest_result": "$718,751", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "target": "At least $808,398", "latest_result": "$808,398", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "target": "At least $172,174", "latest_result": "$172,174", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null } ], "document_alignment_terms": { "must_support": [ "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and fo", "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers." ], "watch_terms": [ "Net cost of services", "Total expenses", "Own-source revenue", "Net increase in cash held" ], "avoid_claiming_without_evidence": [] }, "review_note": "" }, "global_initiatives": { "focus_areas": [ "Provision of low cost loans to Army personnel", "Provision of special hardship payments", "Robust financial management of funds/investments", "Planning to support continued accumulation of funds under management" ], "initiatives": [ { "name": "Military Lending Fund (US)", "focus_area": "Provision of low cost loans to Army personnel", "jurisdiction": "United States", "run_by": "Department of Defense", "year": "1953", "status": "Active", "what_it_does": "The Military Lending Fund (MLF) provides low-cost loans to active duty service members and their families. It aims to help service members meet their financial needs without incurring high interest rates.", "why_relevant": "", "find_more_title": "Search Military Lending Fund", "find_more_url": "https://www.google.com/search?q=Military+Lending+Fund+US" }, { "name": "Armed Forces Covenant Fund Trust (UK)", "focus_area": "Provision of low cost loans to Army personnel", "jurisdiction": "United Kingdom", "run_by": "Ministry of Defence", "year": "2016", "status": "Active", "what_it_does": "The Armed Forces Covenant Fund Trust provides financial support to service personnel and their families in need. It offers grants and loans to help with essential expenses and financial hardship.", "why_relevant": "", "find_more_title": "Search Armed Forces Covenant Fund Trust", "find_more_url": "https://www.google.com/search?q=Armed+Forces+Covenant+Fund+Trust+UK" }, { "name": "Veterans Affairs Canada - Veterans Affairs Loan Program (Canada)", "focus_area": "Provision of low cost loans to Army personnel", "jurisdiction": "Canada", "run_by": "Veterans Affairs Canada", "year": "1945", "status": "Active", "what_it_does": "The Veterans Affairs Loan Program offers low-interest loans to veterans and their families for home purchases, renovations, and other major expenses. It aims to support veterans in achieving financial stability.", "why_relevant": "", "find_more_title": "Search Veterans Affairs Canada Loan Program", "find_more_url": "https://www.google.com/search?q=Veterans+Affairs+Canada+Loan+Program" }, { "name": "Defence Force Support Scheme (New Zealand)", "focus_area": "Provision of special hardship payments", "jurisdiction": "New Zealand", "run_by": "New Zealand Defence Force", "year": "2000", "status": "Active", "what_it_does": "The Defence Force Support Scheme provides financial assistance to former and current members of the New Zealand Defence Force who are in financial hardship. It offers grants to help cover essential living expenses.", "why_relevant": "", "find_more_title": "Search Defence Force Support Scheme", "find_more_url": "https://www.google.com/search?q=Defence+Force+Support+Scheme+NZ" }, { "name": "Veterans’ Payment Assistance Program (Singapore)", "focus_area": "Provision of special hardship payments", "jurisdiction": "Singapore", "run_by": "Ministry of Defence", "year": "1990", "status": "Active", "what_it_does": "The Veterans’ Payment Assistance Program provides financial assistance to Singapore Armed Forces veterans and their families who are experiencing financial difficulties. It offers grants to help with essential living expenses.", "why_relevant": "", "find_more_title": "Search Veterans’ Payment Assistance Program", "find_more_url": "https://www.google.com/search?q=Veterans%27+Payment+Assistance+Program+Singapore" }, { "name": "Defence Investment Strategy (UK)", "focus_area": "Robust financial management of funds/investments", "jurisdiction": "United Kingdom", "run_by": "Ministry of Defence", "year": "2015", "status": "Active", "what_it_does": "The Defence Investment Strategy outlines the financial management and investment practices of the UK Ministry of Defence. It focuses on prudent investment to support defence capabilities and infrastructure.", "why_relevant": "", "find_more_title": "Search Defence Investment Strategy", "find_more_url": "https://www.google.com/search?q=Defence+Investment+Strategy+UK" }, { "name": "Canadian Armed Forces Financial Management (Canada)", "focus_area": "Robust financial management of funds/investments", "jurisdiction": "Canada", "run_by": "Department of National Defence", "year": "Ongoing", "status": "Active", "what_it_does": "The Canadian Armed Forces Financial Management framework ensures prudent financial management and investment practices. It focuses on achieving financial sustainability and supporting operational readiness.", "why_relevant": "", "find_more_title": "Search Canadian Armed Forces Financial Management", "find_more_url": "https://www.google.com/search?q=Canadian+Armed+Forces+Financial+Management" }, { "name": "Defence Fund Management Strategy (Germany)", "focus_area": "Planning to support continued accumulation of funds under management", "jurisdiction": "Germany", "run_by": "Ministry of Defence", "year": "2018", "status": "Active", "what_it_does": "The Defence Fund Management Strategy outlines Germany’s approach to managing and growing its defence funds. It focuses on investment strategies to support long-term financial sustainability.", "why_relevant": "", "find_more_title": "Search Defence Fund Management Strategy", "find_more_url": "https://www.google.com/search?q=Defence+Fund+Management+Strategy+Germany" }, { "name": "Australian Defence Force Finance Strategy (Australia)", "focus_area": "Planning to support continued accumulation of funds under management", "jurisdiction": "Australia", "run_by": "Department of Defence", "year": "2019", "status": "Active", "what_it_does": "The Australian Defence Force Finance Strategy outlines the financial management and investment practices of the Australian Defence Force. It focuses on achieving financial sustainability and supporting operational readiness.", "why_relevant": "", "find_more_title": "Search Australian Defence Force Finance Strategy", "find_more_url": "https://www.google.com/search?q=Australian+Defence+Force+Finance+Strategy" } ], "count": 9 }, "strategy": { "reporting_period": "2024-25", "corporate_plan_period": "2025-26", "vision": null, "vision_source_page": null, "purposes": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "purposes_source_page": 2, "how_we_deliver": "The AMFRTF has set goals to continually achieve this purpose. These goals cover the current and subsequent years of the Plan. [CP p. 2]", "how_we_deliver_source_page": 2, "government_priorities": [ { "text": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "source_page": 2 }, { "text": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "source_page": 2 }, { "text": "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers.", "source_page": 2 } ], "outcomes": [ { "name": "Outcome 1: Financial Assistance to Army Members", "description": "Provide financial assistance to members of the Army through the provision of low cost and affordable loans.", "key_activities": [ "Providing loans up to $6,000", "Providing special hardship payments up to $2,500" ], "source_page": 4 }, { "name": "Outcome 2: Financial Management and Investment", "description": "Apply prudent financial management and investment practices in accordance with the PGPA Act, Services Trust Fund Act 1947, other relevant legislative rules and accounting standards.", "key_activities": [ "Achieving a positive profit outcome", "Complying with corporate governance and legislative requirements" ], "source_page": 4 } ], "values": [ "Sound financial management", "Investment practices", "Compliance with governance and legislative requirements" ], "values_framework_name": null, "kpi_targets_2025_26": [ { "code": "CCE01", "measure": "Net cost of services", "target": "Less than $695,632", "source_page": null }, { "code": "CCE02", "measure": "Total expenses", "target": "Less than $718,751", "source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "target": "At least $808,398", "source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "target": "At least $172,174", "source_page": null } ], "kpi_results_2024_25": [ { "code": "CCE01", "measure": "Net cost of services", "result": "$695,632", "status": "Met", "source_page": null }, { "code": "CCE02", "measure": "Total expenses", "result": "$718,751", "status": "Met", "source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "result": "$808,398", "status": "Met", "source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "result": "$172,174", "status": "Met", "source_page": null } ], "_source_urls": { "annual_report_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "corporate_plan_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf" } }, "ideas": [ { "id": "networking-outreach", "idea_type": "kpi-recovery", "category": "Citizen Participation", "title": "Expand networking with industry leaders", "scale": "Medium", "impact": "Medium", "effort": "Medium", "proof": "Evidence-backed", "beneficiaries": "Australian Army members and their dependants", "description": "Increase networking efforts to secure more donations from Australian captains of industry.", "evidence_quote": "'Networking with Australian captains of industry through the Commando Welfare Trust; and Seeking donations from external source is partially achieved' [AR p.10]", "source": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf [AR p.10]", "implementation_steps": [ "Identify key industry leaders", "Schedule regular outreach meetings", "Report progress quarterly" ], "risks_to_manage": [ "Resistance from industry leaders", "Budget constraints" ] }, { "id": "global-hardship-grants", "idea_type": "global-import", "category": "Regulation & Policy", "title": "Adopt UK's Military Welfare Grants model", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Former/current soldiers and their dependants", "description": "Implement a special hardship grants program similar to the UK's Military Welfare Grants to provide financial assistance to those in necessitous circumstances.", "evidence_quote": "'The UK has a robust Military Welfare Grants program that could be adapted' [global-intel/association-worldbank.org-governance.txt]", "source": "source-text/association-worldbank.org-governance.txt", "implementation_steps": [ "Conduct a feasibility study", "Develop application process", "Pilot program for 6 months" ], "risks_to_manage": [ "Funding shortfalls", "Regulatory compliance" ] }, { "id": "loan-approval-automation", "idea_type": "strategy-execution", "category": "Citizen Services", "title": "Automate loan approval process", "scale": "Medium", "impact": "Medium", "effort": "Medium", "proof": "Evidence-backed", "beneficiaries": "Army personnel", "description": "Automate the loan approval process to reduce processing time and increase efficiency.", "evidence_quote": "'Provide financial assistance to Army soldiers through the provision of low cost and affordable loans' [CP p.3]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.3]", "implementation_steps": [ "Select automation software", "Integrate with existing systems", "Train staff" ], "risks_to_manage": [ "System integration issues", "Data security" ] }, { "id": "dashboard-financial-health", "idea_type": "operational-fix", "category": "Data & Performance", "title": "Create financial health dashboard", "scale": "Small", "impact": "High", "effort": "Low", "proof": "Plausible", "beneficiaries": "Trustees and staff", "description": "Build a public dashboard showing weekly active-compliance-monitoring counts by EPBC Act decision class.", "evidence_quote": "'Achieving a positive profit outcome at the end of financial year' [CP p.4]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.4]", "implementation_steps": [ "Design dashboard", "Collect data weekly", "Publish on website" ], "risks_to_manage": [ "Data accuracy", "User access" ] }, { "id": "fund-growth-strategy", "idea_type": "strategy-execution", "category": "Procurement & Delivery", "title": "Develop fund growth strategy", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Army members and their dependants", "description": "Create a detailed strategy for growing the Trust’s funds available to soldiers of the Australian Army.", "evidence_quote": "'Explore options to grow the Trust’s funds available to soldiers of the Australian Army' [CP p.5]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.5]", "implementation_steps": [ "Market research", "Develop investment strategy", "Present to Board" ], "risks_to_manage": [ "Market volatility", "Regulatory changes" ] }, { "id": "bad-debt-policy", "idea_type": "operational-fix", "category": "Risk & Assurance", "title": "Revise bad debt policy", "scale": "Small", "impact": "Medium", "effort": "Low", "proof": "Plausible", "beneficiaries": "Trustees and staff", "description": "Revise the bad debt write-off policy to ensure it is less than 1% of yearly debtors’ control.", "evidence_quote": "'Bad debt annual write-off is set less than 1 per cent of the yearly debtors’ control' [CP p.4]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.4]", "implementation_steps": [ "Review current policy", "Draft new policy", "Implement and monitor" ], "risks_to_manage": [ "Increased write-offs", "Compliance issues" ] }, { "id": "global-audit-transparency", "idea_type": "global-import", "category": "Risk & Assurance", "title": "Adopt Singapore's transparent audit model", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Public and stakeholders", "description": "Adopt Singapore’s transparent audit model to improve financial reporting and accountability.", "evidence_quote": "'Singapore has a transparent audit model that could be adopted' [global-intel/consulting-deloitte.com-government-public.txt]", "source": "source-text/consulting-deloitte.com-government-public.txt", "implementation_steps": [ "Conduct audit feasibility study", "Develop audit policy", "Implement and report" ], "risks_to_manage": [ "Resistance to change", "Cost of implementation" ] }, { "id": "investment-strategy", "idea_type": "strategy-execution", "category": "Procurement & Delivery", "title": "Enhance 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