Factors Driving the POS Market in Africa
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A couple of important factors are driving the POS market in Africa, contributing to the increased adoption of these systems across the continent. Read more: https://medium.com/@davidmoukoelizaphanomaanya/uzapoint-empowering-businesses-with-advanced-point-of-sale-software-67a5b4b9e2e2
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There are many venues to becoming digital lenders. But the most popular ones are either by offering a comprehensive package of digital lending products, by digitizing only some lending products, or by partnering with other companies.
• Online lenders: FSPs that position digital lending as their core product, which is provided mainly via either mobile apps or web apps.
• P2P Lenders: digital platforms that act as an intermediary facilitating the provision of loans and the relationships between lenders and borrowers.
• e-Commerce and Social Platforms: lending is not the core product of these platforms; they leverage the strong brand, rich customer data, and powerful platforms to offer certain types of credit products to their customer base.
• Marketplace platforms: The key roles of these platforms are to originate loans and match one borrower with other lenders, and charge the origination fees.
• Supply Chain Lender: they offer non-cash loans for certain kinds of asset financing, invoice financing, or pay-as-you-go asset purchase within a supply chain or distribution network.
• Mobile Money Lender: this is where the lenders partner with mobile network operators (MNOs) to provide loan products to the network providers’ customers, where mobile phone data is used to calculate credit scores.
• Tech-enabled Lender: traditional financial service providers, such as banks and financial institutions, that have digitized parts or the entirety of the lending process. The digitization is done either by an in-house team or a partnership with an external service provider.
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Akinkunmi Akindiji
Akinkunmi Akindiji is a property investor, technology consultant, and avid F1 fan, Kunmi has a diverse range of interests and expertise. With a background in delivering projects across a variety of industries, including insurance, banking, telecoms, and automotive, Kunmi has a wealth of experience supporting enterprise scale digital transformation projects.
Akinkunmi Akindiji
Akinkunmi Akindiji is a property investor, technology consultant, and avid F1 fan, Kunmi has a diverse range of interests and expertise. With a background in delivering projects across a variety of industries, including insurance, banking, telecoms, and automotive, Kunmi has a wealth of experience supporting enterprise scale digital transformation projects
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Sociology of ICT case : AFRIMARKET
1) AFRIMARKET was launched in 2013 to revolutionize money transfers from the African diaspora by allowing senders to purchase goods/services rather than sending cash, with the goal of reducing transfer costs from 12.5% to 5%.
2) The innovation uses electronic vouchers authenticated through a sound-based technology and redeemed at partner stores.
3) Over time, AFRIMARKET has expanded its services from money transfers to e-commerce marketplaces in multiple African countries, while adapting its processes based on market feedback.
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M-commerce refers to online transactions conducted via mobile devices like smartphones and tablets. It allows consumers to perform functions like paying bills, shopping, and booking tickets easily on their mobile. M-commerce has grown industries like mobile money transfers, e-ticketing, digital content purchases, mobile banking, and location-based services. The m-commerce industry is expected to continue growing significantly, accounting for an estimated 6% of US retail sales in 2021 and 10% by 2025. M-commerce provides benefits like convenience, accessibility, and a global customer reach for businesses.
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MTN is leveraging its mobile money platform in Africa to drive financial inclusion and digitization of services across multiple sectors. It has over 50 million mobile money customers across 15 countries generating over $4 billion in annual transaction value. In Ghana, MTN's mobile money service customer base grew 29% in one year to over 96 million users, facilitating affordable loans, remittances, and bill payments. MTN is also partnering with companies to use its platform to deliver utilities, solar energy, donations, and other services digitally. This establishes MTN as a catalyst for the digital transformation of Africa's economies.
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The document provides an overview of the FinTech market in Africa, including economic, demographic, and FinTech trends. It discusses factors driving FinTech adoption such as Africa's growing and youthful population, limited banking infrastructure, and increasing mobile and internet penetration. It also profiles the key FinTech markets of Egypt, Kenya, Nigeria, and South Africa, noting their populations, GDPs, and other financial inclusion metrics. The report indicates these countries are expected to see strong economic growth through 2027.
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1. Blockchain technology has seen remarkable growth in Africa, with countries like Nigeria and Kenya showing strong adoption rates of Web3 platforms.
2. Web3 allows for more financial inclusion and transparency through applications like secure identity management, remittances, voting systems, and supply chain management.
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Financial inclusion, the accessibility, and availability of financial services to all individuals and businesses, plays a pivotal role in driving economic growth and reducing poverty. While urban areas have seen significant progress in digital financial services, rural communities often remain excluded due to limited access to banking infrastructure. However, technology is bridging this gap, and a key player in this transformation is the use of Micro ATM terminals. These devices are transforming the way financial transactions occur in rural India, enabling digital transactions and empowering financial inclusion.
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M-PESA resolves economic inefficiencies by facilitating money circulation and consumption, creating new business and jobs. It provides a safe way to store and transfer money, increasing savings and allowing more efficient risk sharing. This improves investment in human and physical capital. M-PESA faces the challenges of gaining user trust and overcoming network effects. It exploits concepts of price and income elasticity through its pricing structure. Safaricom can achieve economies of scale and scope by providing integrated voice, data, and M-PESA services using shared infrastructure. M-PESA relies on trust in Safaricom to overcome information asymmetries without government guarantees on deposits.
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Types of digital lenders
Digital lending is not the arena for only fintech companies or traditional financial providers. Taking advantage of the changing market structure, regulatory environment, and customer experiences, many types of players have found their way into this niche.
There are many venues to becoming digital lenders. But the most popular ones are either by offering a comprehensive package of digital lending products, by digitizing only some lending products, or by partnering with other companies.
• Online lenders: FSPs that position digital lending as their core product, which is provided mainly via either mobile apps or web apps.
• P2P Lenders: digital platforms that act as an intermediary facilitating the provision of loans and the relationships between lenders and borrowers.
• e-Commerce and Social Platforms: lending is not the core product of these platforms; they leverage the strong brand, rich customer data, and powerful platforms to offer certain types of credit products to their customer base.
• Marketplace platforms: The key roles of these platforms are to originate loans and match one borrower with other lenders, and charge the origination fees.
• Supply Chain Lender: they offer non-cash loans for certain kinds of asset financing, invoice financing, or pay-as-you-go asset purchase within a supply chain or distribution network.
• Mobile Money Lender: this is where the lenders partner with mobile network operators (MNOs) to provide loan products to the network providers’ customers, where mobile phone data is used to calculate credit scores.
• Tech-enabled Lender: traditional financial service providers, such as banks and financial institutions, that have digitized parts or the entirety of the lending process. The digitization is done either by an in-house team or a partnership with an external service provider.
But the list is for reference only. Digital lenders are experimenting with new ideas, enhancing their existing products, and evolving with new models. It’s hard to find one FSP that fits exactly into a category. As a result, they are making the digital lending landscape more diversified and complex.
Any Lending Product can be digitized
Regulations allow—even encourage—any types of lending product to be provided digitally. This applies to loans of any size, whether it’s personal loans or SME loans, or even mortgages, as long as the lenders have measures to evaluate the borrowers’ willingness and ability to repay.
Loans can be divided into two categories. They are personal loans (where credit is evaluated on limited data, which leads to increased risk) and SME loans (where the credit must be thoroughly evaluated on the client’s financial health).
The 3 components of digital lending
The use of digital channels
The use of digital data
The focus on customer experience
Impact of mobile money in west africa
Mobile payment has grown rapidly in West Africa in recent years, enabled by increasing mobile phone adoption. However, several challenges remain:
1. Territorial coverage of mobile networks and agent networks remains inadequate, especially in rural areas.
2. Agent networks provide an important mode of distribution but remain limited in scale and sustainability.
3. Lack of interoperability between mobile operators limits the scope of mobile payment services.
4. The cost of implementing innovative solutions like online bill payment and government services is prohibitive for many West African governments.
5. Regulation of mobile financial services remains imprecise, which could limit further growth and innovation in the sector. Overcoming these challenges will be important to realize
Mobile banking gsma
Mobile banking has great potential to promote financial inclusion in Africa. By reducing geographic and cost barriers, mobile banking allows commercial banks to expand into new areas at low cost. Kenya and South Africa have been leaders in mobile banking, with services like M-Pesa in Kenya growing exponentially and bringing millions of unbanked individuals into the formal financial system. Partnerships between mobile operators, banks, and microfinance institutions can further expand access to affordable financial services across Africa through mobile phones.
Digital financial services: essentials
This document provides an overview of channels and technology for enabling financial inclusion. It discusses the mobile and branchless banking ecosystem, including key players such as mobile network operators, banks, technology providers, agents, retailers, and regulators. Digital financial services like mobile money are described as combining branchless banking and mobile financial services to deliver financial products via technology outside of conventional branches. The predominant leader is noted as being mobile money, especially in developing countries.
Newsletter Technology Global M&A Partners 2017
The newsletter provides an overview of trends in the online payment processing industry in Q4 2017. Key topics covered include the growth of fintech and online payments driven by mobile devices, e-commerce, and changing demographics. Mobile wallets and NFC technology are poised to replace traditional credit cards. Blockchain represents a potential disruption to the industry. The payment processing industry is consolidating through mergers and acquisitions as larger players seek to expand. Governments are playing a role in regulating the industry and encouraging further development.
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MTN Uganda partnered with Ericsson to migrate its mobile money platform to Ericsson's Wallet Platform in order to address scalability issues, frequent outages, and fraud concerns that were inhibiting growth. This migration enabled MTN Uganda to rapidly expand its mobile money services, growing active accounts from 3.1 million to 4.7 million between 2014-2015 and processing over 44 million transactions per month. In Peru, 32 financial institutions collaborated via a new company called PDP to create an interoperable mobile wallet platform called Bim, bringing financial services to the large unbanked population. In Pakistan, Easypaisa is one of the largest mobile money services worldwide, serving over 21 million active users through 75,000
Safaricom
This document discusses Safaricom, a leading telecommunications operator in Kenya, and its pioneering of M-Pesa, the first commercial mobile money transfer service globally. It provides background on mobile payment services and how M-Pesa allows users to deposit, send, and withdraw money from their mobile phones. The document also covers market trends, with the number of mobile payment users growing from 160 million in 2011 to a projected 450 million in 2017, and transaction values increasing from $106 billion to an estimated $725 billion in that same period. It addresses opportunities and constraints for mobile money providers in both developed and developing markets.
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Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
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What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
做澳洲澳大利亚国立大学毕业证荣誉学位证书原版一模一样
原版一模一样【微信：741003700 】【澳洲澳大利亚国立大学毕业证荣誉学位证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn
Bank of Finland
Press conference on the outlook for the Finnish economy
Helsinki, 11 June 2024
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
Dr. Alyce Su Cover Story - China's Investment Leader
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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