Austin, TX represents a $57.9 billion banking/financial market, ranking 45th among DMAs. Residents averaged 8 investments in the past year, 68% use banking services, and spend $725 monthly on credit cards. Wells Fargo, Bank of America, and Chase are the top 3 banks.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
“Gold Bits Coin is a coin used to make payments for online shopping and at merchants for goods and services. GBC is the Modern Day Gold of this industry”
Bitcoin has rapidly gained popularity due to its decentralized and anonymous nature. However, its volatility and lack of regulation or central authority pose risks. While some see it as championing individual liberty, others worry about potential effects and see problems with its supply and demand. The article discusses the different groups fueling Bitcoin's demand, including monetary freedom advocates, those seeking to preserve distressed savings, and online gamblers and speculators. However, questions remain around its long term viability and whether it can achieve widespread mainstream acceptance.
This document discusses opportunities in the global remittance market, specifically regarding unbanked immigrant populations. It notes that over $500 billion is sent globally in remittances annually, with the majority going to families in developing countries. Prepaid debit cards linked to mobile phones show promise as a lower-cost remittance solution that could also help connect immigrants and families to the formal banking sector. Such mobile-enabled cards allow instant international money transfers at a fraction of traditional fees and provide a gateway to additional financial services. Facilitating banking access could shift some business from money transfer companies and support greater financial inclusion and economic development.
Overview of all crypto-friendly cards: a lot of hype but almost nothing inside
Most crypto-friendly debit cards offer similar functionality and limits, functioning essentially as linked bank accounts that allow spending from cryptocurrency holdings. While there are over 30 such cards, usage remains niche due to limited merchant acceptance of cryptocurrencies and operational challenges for startups in meeting bank transaction volumes. Additionally, some traditional banks actively discourage cryptocurrency purchases and spending by closing customer accounts or declining transactions related to digital currencies.
The document discusses issues with the global banking system including securitization practices that contributed to the global financial crisis. It then focuses on how these practices, like fractional reserve banking and securitization, operate in South Africa and raises legal questions about their implications. Banks were unwilling or unable to provide clear answers about securitization processes and their effects on consumers' loans and rights. Regulators are investigating but have not released details. Understanding how the financial system works is important for consumers to avoid vulnerability to abusive practices.
FIS 2011 Consumer Loyalty and Profitability ReportPaul McAdam
Measuring customer loyalty to financial institutions (FIs) differs from measuring customer loyalty to most other institutions, products or services. Banks sometimes keep customers because of the perceived hassle factor associated with switching to a new FI. Slightly more than two-thirds (68 percent) of FI customers agree that “switching my primary checking account to a different financial institution is more hassle than it’s worth.” But our research with 3,000 consumers shows that customers who merely stick with their FIs due to inertia aren’t loyal and don’t keep a large share of their deposits and/or loans with their primary checking account provider. A long-term customer doesn’t necessarily equal a loyal customer. And, a loyal customer is not necessarily a profitable one.
The Digital Reserve is structured to provide the infrastructure for
increased on-chain liquidity and institutional microfinance; disrupting a $100 Billion dollar market that is growing greater than 15% per year.
This includes a strategy to move from centralized development to
decentralization. The Digital Reserve Network (“The Digital Reserve”) is a novel microfinance institution designed to produce economic gain for stakeholders and a sustainable model for increasing financial inclusion.
The Digital Reserve is a pseudo-anonymous peer to peer network
secured by a fee-based Proof of Stake algorithm and quantum
resistant cryptographic signatures. This network will utilize a modified Directed Acyclic Graph or GHOST to minimize block times and increase scalability. As a development of the ability for Blockchain networks to establish a distributed consensus based economy, one of the primary advancements will be the Denarii protocol’s utilization of the staked transactions. They will be treated as working assets allocated to users based upon increasingly stringent conditions as the amounts increase. The Denarii protocol will follow parameters established by a dynamic machine learning process that tracks borrowing rates, defaults and overall transactions to normalize the monetary supply to boundary conditions. This includes a strategy to move from centralized development to decentralization.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
“Gold Bits Coin is a coin used to make payments for online shopping and at merchants for goods and services. GBC is the Modern Day Gold of this industry”
Bitcoin has rapidly gained popularity due to its decentralized and anonymous nature. However, its volatility and lack of regulation or central authority pose risks. While some see it as championing individual liberty, others worry about potential effects and see problems with its supply and demand. The article discusses the different groups fueling Bitcoin's demand, including monetary freedom advocates, those seeking to preserve distressed savings, and online gamblers and speculators. However, questions remain around its long term viability and whether it can achieve widespread mainstream acceptance.
This document discusses opportunities in the global remittance market, specifically regarding unbanked immigrant populations. It notes that over $500 billion is sent globally in remittances annually, with the majority going to families in developing countries. Prepaid debit cards linked to mobile phones show promise as a lower-cost remittance solution that could also help connect immigrants and families to the formal banking sector. Such mobile-enabled cards allow instant international money transfers at a fraction of traditional fees and provide a gateway to additional financial services. Facilitating banking access could shift some business from money transfer companies and support greater financial inclusion and economic development.
Overview of all crypto-friendly cards: a lot of hype but almost nothing inside
Most crypto-friendly debit cards offer similar functionality and limits, functioning essentially as linked bank accounts that allow spending from cryptocurrency holdings. While there are over 30 such cards, usage remains niche due to limited merchant acceptance of cryptocurrencies and operational challenges for startups in meeting bank transaction volumes. Additionally, some traditional banks actively discourage cryptocurrency purchases and spending by closing customer accounts or declining transactions related to digital currencies.
The document discusses issues with the global banking system including securitization practices that contributed to the global financial crisis. It then focuses on how these practices, like fractional reserve banking and securitization, operate in South Africa and raises legal questions about their implications. Banks were unwilling or unable to provide clear answers about securitization processes and their effects on consumers' loans and rights. Regulators are investigating but have not released details. Understanding how the financial system works is important for consumers to avoid vulnerability to abusive practices.
FIS 2011 Consumer Loyalty and Profitability ReportPaul McAdam
Measuring customer loyalty to financial institutions (FIs) differs from measuring customer loyalty to most other institutions, products or services. Banks sometimes keep customers because of the perceived hassle factor associated with switching to a new FI. Slightly more than two-thirds (68 percent) of FI customers agree that “switching my primary checking account to a different financial institution is more hassle than it’s worth.” But our research with 3,000 consumers shows that customers who merely stick with their FIs due to inertia aren’t loyal and don’t keep a large share of their deposits and/or loans with their primary checking account provider. A long-term customer doesn’t necessarily equal a loyal customer. And, a loyal customer is not necessarily a profitable one.
The Digital Reserve is structured to provide the infrastructure for
increased on-chain liquidity and institutional microfinance; disrupting a $100 Billion dollar market that is growing greater than 15% per year.
This includes a strategy to move from centralized development to
decentralization. The Digital Reserve Network (“The Digital Reserve”) is a novel microfinance institution designed to produce economic gain for stakeholders and a sustainable model for increasing financial inclusion.
The Digital Reserve is a pseudo-anonymous peer to peer network
secured by a fee-based Proof of Stake algorithm and quantum
resistant cryptographic signatures. This network will utilize a modified Directed Acyclic Graph or GHOST to minimize block times and increase scalability. As a development of the ability for Blockchain networks to establish a distributed consensus based economy, one of the primary advancements will be the Denarii protocol’s utilization of the staked transactions. They will be treated as working assets allocated to users based upon increasingly stringent conditions as the amounts increase. The Denarii protocol will follow parameters established by a dynamic machine learning process that tracks borrowing rates, defaults and overall transactions to normalize the monetary supply to boundary conditions. This includes a strategy to move from centralized development to decentralization.
Several US states are working to become the blockchain and cryptocurrency capital of the country by passing crypto-friendly legislation. Wyoming has passed several bills defining cryptocurrencies as assets and exempting certain tokens from securities laws. This is aimed at attracting blockchain companies to the state. Tennessee is also pursuing pro-crypto policies like legally recognizing cryptocurrency payments. Delaware was an early leader but its blockchain director recently stepped down, though the state still plans to advance its goals in this area.
The document discusses navigating customer data and electronic payments. It summarizes that electronic payments surpassed check payments for the first time in the US in 2003. Katzfey's International provides services like reviewing customer relationships and identifying additional products/services to increase revenue. They utilize ACH data mining to identify cross-selling opportunities and deepen customer partnerships through proactive selling and information sharing.
Securitisation a conspiracy of silence (1)Chris Mercer
The document discusses securitization in South Africa, where banks sell customer loan agreements to third parties without the customers' knowledge or consent. This allows banks to profit while avoiding responsibility if customers default. It notes that securitization lacks transparency and accountability. The New Economic Rights Alliance argues that securitization is problematic as it undermines the customer-bank relationship and their legal rights. They seek to educate the public and bring greater transparency to banking practices around securitization.
SAS - A Unified Front- Making the Case for Integrating Fraud and Anti-Money L...Vivastream
This white paper discusses the growing threats of financial crime like fraud and money laundering due to increasing sophistication of criminals and new payment technologies. It notes that losses from fraud have cost companies billions and that criminals are exploiting new electronic channels like mobile payments which are expected to grow rapidly. The paper argues that traditional approaches to combating financial crime are insufficient for these new threats and that integrated fraud and anti-money laundering systems with advanced analytics are needed.
Credito is a decentralized credit scoring and lending marketplace built on Ethereum blockchain and smart contracts. It aims to bring transparency and reliability to credit scoring and lending. Credito provides credit scores to "credit invisibles" who lack traditional credit histories, enabling more access to financial services. It also builds a global decision platform for financial institutions to identify fraudulent transactions in real-time. Further, Credito introduces a decentralized collateralized lending marketplace connecting lenders and borrowers globally through smart contracts to reduce costs and intermediaries. Credito uses a analytic engine utilizing machine learning to generate dynamic credit scores based on transaction histories stored securely on IPFS.
Enhancing Debit Card Security: The Life of a Counterfeit Card (Credit Union C...NAFCU Services Corporation
In this 2011 NAFCU Annual Conference presentation you will discover the latest and greatest card fraud mitigation strategies and tactics. Learn about the rise in data breaches, the evolution of criminal organizations, and the perceptions of today’s cardholders.
Presented by David Mattei, EFT Product Manager, Vantiv
For a video of this session and more information visit http://www.nafcu.org/vantiv
The Ever Changing Payments Landscape: EMV & Mobile Payments (Conference Prese...NAFCU Services Corporation
EMV Chip Cards, NFC and QR Codes are all new technologies in the payments landscape that can have an impact on financial institutions. With the payments industry continuously growing, credit unions need to think differently about their credit business and how this growing technology can affect their members. Why are these technologies important for my credit union? How can I create opportunities for my business with these technologies? In this recording, you will learn more about how your credit union can adapt to what the future forecast looks like for this growing industry. Learn more at: www.nafcu.org/vantiv
This document discusses whether cryptocurrency can serve as a store of value during the current economic crisis caused by the COVID-19 pandemic. It begins by noting that cryptocurrency believers have argued it can serve as a safe haven, but questions whether cryptocurrencies actually reassured investors during this crisis. The document then provides an overview of the following chapters which will evaluate cryptocurrencies' qualifications as a store of value by examining their market size, investors, potential for market manipulation, regulation, and price stability. The goal is to determine if cryptocurrency can fulfill the role of a reliable store of value or if its value is too volatile, like the Dutch tulip bulb market crash in the 1600s.
Here you’ll find everything you need to know about debit cards. Why they came to be, how they work, why you might want one and why you might still want to have a credit card even if you already have one. There are also some interesting statistics and handy hints to remember.
The document discusses the importance of credit bureaus and credit scores known as Beacon Scores for obtaining mortgage pre-approvals and loans. It explains that a client's Beacon Score from a credit bureau tells lenders their risk level and what rates they qualify for. Scores below 600 generally require higher rates or only qualify for 'B' lenders, while scores above 900 qualify for the best rates. The key factors that determine a Beacon Score are payment history, current debts, type of credit, credit inquiries, and age of accounts. Getting a pre-approval pulls only one credit report and is valid for multiple lenders, unlike going direct to a bank.
An informative presentation about Microfinance (Credit) Bureaus, prepared by Planet Finance.
Source: Dutheil, M. (2006). Microfinance Bureaus : Balancing Vision and Pragmatic Solutions. Available: info.worldbank.org/etools/library/latestversion.asp?235943. Last accessed 2, April, 2010.
1) Fintech is disrupting the traditional banking model through faster innovation and customer experience from startups. Payments and lending are seen as the most vulnerable areas for incumbent banks.
2) Peer-to-peer lending is growing exponentially due to lower costs and better rates for borrowers and lenders compared to traditional banks. However, regulatory issues in the US pose challenges for the business model.
3) The Lending Club IPO and subsequent events highlight growing pains in the US marketplace lending industry as it faces headwinds around regulations and operational issues.
Whether you are planning for establishing a white label crypto exchange software development company or a centralized trading development in the Middle East, you must know about compliance and taxation outlook in this region. This article will give you a better understanding of legal regulation and taxation in the Middle East.
Prosper lend it 2013 keynote presentation (1)hugh50
This document discusses the growth of peer-to-peer lending and its potential future developments. It describes how the industry has grown from originating $25 million in loans in 2012 to $148 million currently. The document also notes that while banks once discouraged alternative lending, they now recognize the need to participate in the industry. Finally, it outlines several possible future developments, such as the creation of a secondary market for loans, global lending platforms, and partnerships with other financial companies.
The document discusses the opportunities and risks associated with cryptocurrencies, including their volatility and reliance on decentralized software. It also talks about central banks embracing digital currencies to maintain control over the financial system while regulating privately created cryptocurrencies. The document covers a wide range of topics related to cryptocurrencies, central bank digital currencies, and the future of money.
Global payments community supplemented revenues, income and earnings per share information determined in accordance with GAAP by providing those measures on an adjusted basis in this earnings release to assist with evaluating performance. In addition to GAAP measures, management uses these non-GAAP measures to focus on the factors the company believes are pertinent to the daily management of our operations
1) The document provides an overview of the blockchain industry and Bitcoin Shop Inc. It explains that the blockchain is a decentralized public ledger that can impact record keeping industries by providing trust without centralized control.
2) Bitcoin Shop aims to capitalize on blockchain opportunities by securing the blockchain through transaction verification and building consumer solutions. It has rapidly scaled its verification services business.
3) Venture capital investment in blockchain startups has grown significantly since 2013, though it remains below early internet levels. Major companies have also started accepting bitcoin as payment.
The document provides an overview of the US banking industry and community banks. It discusses slowing loan growth but a slight increase in the second quarter of 2012 for community banks. It also notes that while the number of banks has consolidated, community banks with less than $10 billion in assets originated 58% of small business loans in 2011. The document examines key concerns around regulatory compliance, data security, and managing technological change for the industry. It provides insights into trends for branches, mobile and online banking, and customer preferences. Overall, it presents an environment of cautious optimism for the industry while noting opportunities around customer segmentation, cross-selling, and technology optimization.
Presentation for Government Blockchain Association l San Juan, Puerto Rico l Piloto 151, 7'June 2018
(c) Vladislav Solodkiy, A.ID
www.followthemoney.id
1. The document contrasts different systems for creating and allocating money: debt-based money created by commercial banks through lending (the current system), finite cryptocurrencies like Bitcoin, and Positive Money where new money is created by a central authority and granted rather than lent into existence.
2. Under Positive Money, an expert committee would track GDP and recommend how much new money is needed to match economic growth, which would be created by the central bank and allocated by government for purposes like reducing taxes or debt.
3. Commercial banks would still exist but could no longer create new money through lending, addressing issues like bubbles and ensuring benefits of money creation accrue to society rather than banks.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
MNI is the targeted marketing division of Time Inc. and also one of the largest media companoies in the industry. It delivers more ad pages per year than any single publisher in the world.
Several US states are working to become the blockchain and cryptocurrency capital of the country by passing crypto-friendly legislation. Wyoming has passed several bills defining cryptocurrencies as assets and exempting certain tokens from securities laws. This is aimed at attracting blockchain companies to the state. Tennessee is also pursuing pro-crypto policies like legally recognizing cryptocurrency payments. Delaware was an early leader but its blockchain director recently stepped down, though the state still plans to advance its goals in this area.
The document discusses navigating customer data and electronic payments. It summarizes that electronic payments surpassed check payments for the first time in the US in 2003. Katzfey's International provides services like reviewing customer relationships and identifying additional products/services to increase revenue. They utilize ACH data mining to identify cross-selling opportunities and deepen customer partnerships through proactive selling and information sharing.
Securitisation a conspiracy of silence (1)Chris Mercer
The document discusses securitization in South Africa, where banks sell customer loan agreements to third parties without the customers' knowledge or consent. This allows banks to profit while avoiding responsibility if customers default. It notes that securitization lacks transparency and accountability. The New Economic Rights Alliance argues that securitization is problematic as it undermines the customer-bank relationship and their legal rights. They seek to educate the public and bring greater transparency to banking practices around securitization.
SAS - A Unified Front- Making the Case for Integrating Fraud and Anti-Money L...Vivastream
This white paper discusses the growing threats of financial crime like fraud and money laundering due to increasing sophistication of criminals and new payment technologies. It notes that losses from fraud have cost companies billions and that criminals are exploiting new electronic channels like mobile payments which are expected to grow rapidly. The paper argues that traditional approaches to combating financial crime are insufficient for these new threats and that integrated fraud and anti-money laundering systems with advanced analytics are needed.
Credito is a decentralized credit scoring and lending marketplace built on Ethereum blockchain and smart contracts. It aims to bring transparency and reliability to credit scoring and lending. Credito provides credit scores to "credit invisibles" who lack traditional credit histories, enabling more access to financial services. It also builds a global decision platform for financial institutions to identify fraudulent transactions in real-time. Further, Credito introduces a decentralized collateralized lending marketplace connecting lenders and borrowers globally through smart contracts to reduce costs and intermediaries. Credito uses a analytic engine utilizing machine learning to generate dynamic credit scores based on transaction histories stored securely on IPFS.
Enhancing Debit Card Security: The Life of a Counterfeit Card (Credit Union C...NAFCU Services Corporation
In this 2011 NAFCU Annual Conference presentation you will discover the latest and greatest card fraud mitigation strategies and tactics. Learn about the rise in data breaches, the evolution of criminal organizations, and the perceptions of today’s cardholders.
Presented by David Mattei, EFT Product Manager, Vantiv
For a video of this session and more information visit http://www.nafcu.org/vantiv
The Ever Changing Payments Landscape: EMV & Mobile Payments (Conference Prese...NAFCU Services Corporation
EMV Chip Cards, NFC and QR Codes are all new technologies in the payments landscape that can have an impact on financial institutions. With the payments industry continuously growing, credit unions need to think differently about their credit business and how this growing technology can affect their members. Why are these technologies important for my credit union? How can I create opportunities for my business with these technologies? In this recording, you will learn more about how your credit union can adapt to what the future forecast looks like for this growing industry. Learn more at: www.nafcu.org/vantiv
This document discusses whether cryptocurrency can serve as a store of value during the current economic crisis caused by the COVID-19 pandemic. It begins by noting that cryptocurrency believers have argued it can serve as a safe haven, but questions whether cryptocurrencies actually reassured investors during this crisis. The document then provides an overview of the following chapters which will evaluate cryptocurrencies' qualifications as a store of value by examining their market size, investors, potential for market manipulation, regulation, and price stability. The goal is to determine if cryptocurrency can fulfill the role of a reliable store of value or if its value is too volatile, like the Dutch tulip bulb market crash in the 1600s.
Here you’ll find everything you need to know about debit cards. Why they came to be, how they work, why you might want one and why you might still want to have a credit card even if you already have one. There are also some interesting statistics and handy hints to remember.
The document discusses the importance of credit bureaus and credit scores known as Beacon Scores for obtaining mortgage pre-approvals and loans. It explains that a client's Beacon Score from a credit bureau tells lenders their risk level and what rates they qualify for. Scores below 600 generally require higher rates or only qualify for 'B' lenders, while scores above 900 qualify for the best rates. The key factors that determine a Beacon Score are payment history, current debts, type of credit, credit inquiries, and age of accounts. Getting a pre-approval pulls only one credit report and is valid for multiple lenders, unlike going direct to a bank.
An informative presentation about Microfinance (Credit) Bureaus, prepared by Planet Finance.
Source: Dutheil, M. (2006). Microfinance Bureaus : Balancing Vision and Pragmatic Solutions. Available: info.worldbank.org/etools/library/latestversion.asp?235943. Last accessed 2, April, 2010.
1) Fintech is disrupting the traditional banking model through faster innovation and customer experience from startups. Payments and lending are seen as the most vulnerable areas for incumbent banks.
2) Peer-to-peer lending is growing exponentially due to lower costs and better rates for borrowers and lenders compared to traditional banks. However, regulatory issues in the US pose challenges for the business model.
3) The Lending Club IPO and subsequent events highlight growing pains in the US marketplace lending industry as it faces headwinds around regulations and operational issues.
Whether you are planning for establishing a white label crypto exchange software development company or a centralized trading development in the Middle East, you must know about compliance and taxation outlook in this region. This article will give you a better understanding of legal regulation and taxation in the Middle East.
Prosper lend it 2013 keynote presentation (1)hugh50
This document discusses the growth of peer-to-peer lending and its potential future developments. It describes how the industry has grown from originating $25 million in loans in 2012 to $148 million currently. The document also notes that while banks once discouraged alternative lending, they now recognize the need to participate in the industry. Finally, it outlines several possible future developments, such as the creation of a secondary market for loans, global lending platforms, and partnerships with other financial companies.
The document discusses the opportunities and risks associated with cryptocurrencies, including their volatility and reliance on decentralized software. It also talks about central banks embracing digital currencies to maintain control over the financial system while regulating privately created cryptocurrencies. The document covers a wide range of topics related to cryptocurrencies, central bank digital currencies, and the future of money.
Global payments community supplemented revenues, income and earnings per share information determined in accordance with GAAP by providing those measures on an adjusted basis in this earnings release to assist with evaluating performance. In addition to GAAP measures, management uses these non-GAAP measures to focus on the factors the company believes are pertinent to the daily management of our operations
1) The document provides an overview of the blockchain industry and Bitcoin Shop Inc. It explains that the blockchain is a decentralized public ledger that can impact record keeping industries by providing trust without centralized control.
2) Bitcoin Shop aims to capitalize on blockchain opportunities by securing the blockchain through transaction verification and building consumer solutions. It has rapidly scaled its verification services business.
3) Venture capital investment in blockchain startups has grown significantly since 2013, though it remains below early internet levels. Major companies have also started accepting bitcoin as payment.
The document provides an overview of the US banking industry and community banks. It discusses slowing loan growth but a slight increase in the second quarter of 2012 for community banks. It also notes that while the number of banks has consolidated, community banks with less than $10 billion in assets originated 58% of small business loans in 2011. The document examines key concerns around regulatory compliance, data security, and managing technological change for the industry. It provides insights into trends for branches, mobile and online banking, and customer preferences. Overall, it presents an environment of cautious optimism for the industry while noting opportunities around customer segmentation, cross-selling, and technology optimization.
Presentation for Government Blockchain Association l San Juan, Puerto Rico l Piloto 151, 7'June 2018
(c) Vladislav Solodkiy, A.ID
www.followthemoney.id
1. The document contrasts different systems for creating and allocating money: debt-based money created by commercial banks through lending (the current system), finite cryptocurrencies like Bitcoin, and Positive Money where new money is created by a central authority and granted rather than lent into existence.
2. Under Positive Money, an expert committee would track GDP and recommend how much new money is needed to match economic growth, which would be created by the central bank and allocated by government for purposes like reducing taxes or debt.
3. Commercial banks would still exist but could no longer create new money through lending, addressing issues like bubbles and ensuring benefits of money creation accrue to society rather than banks.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
MNI is the targeted marketing division of Time Inc. and also one of the largest media companoies in the industry. It delivers more ad pages per year than any single publisher in the world.
Testimonials and quotes from clients advertising with TARGETjobsKirstyDrummond
This document contains testimonials from various clients praising Targetjobs for effectively helping them recruit graduates and fill positions. Key points mentioned include Targetjobs producing the most offers and hires, increasing companies' reach to students, providing a simple system to upload profiles and ads, and the account managers being knowledgeable and providing excellent service.
This is about Dipity.com. An online software for timelines. This presentation briefly tackles What, Who, and Why questions of dipity. With the inclusion of its brief history and why it is named Dipity.
TARGETjobs IT student survey on graduate careers in IT 2012KirstyDrummond
We contacted undergraduate students from the targetjobs.co.uk database who
had told us that they were interested in working in the IT sector. 720
completed the survey, which was live on the site for a three-week period in
April/May 2012. These are the findings from the survey.
This document discusses sexuality and marriage in Islam based on a presentation given in Nigeria. It begins by defining key terms like sexuality, sexuality education, and family life education. It then examines the Islamic concept of marriage, including the rights of women in marriage according to the Quran and hadith. These rights include education, choosing a husband, humane treatment, economic rights like owning property and receiving a dowry, and legal rights like maintenance from her husband. However, the reality for many Muslim women does not match these rights in practice due to factors like poverty and male domination interpreting women's roles.
El resumen presenta datos de diciembre de 2007 sobre las instituciones microfinancieras asociadas a ASOMI en El Salvador. Reporta que Apoyo Integral tiene la mayor cantidad de clientes (38.1%) y cartera (37.5%), mientras que ACCOVI de R.L. tiene la mayor participación en cartera (34%). La mayoría de los clientes (57.5%) y cartera (36.6%) corresponden a la actividad comercial. San Salvador concentra la mayor cantidad de clientes (24.3%).
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against developing mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
Modern medical biotechnology uses genetics, cell biology, and other sciences to advance medicine through techniques like drug production, pharmacogenomics, gene therapy, and genetic testing. Some key developments include the cloning of Dolly the sheep in 1997, the completion of the rough draft of the human genome in 2000, and the first synthesis of a DNA molecule from artificial parts in 2010. Current areas of research include using genetically modified bacteria to mass produce human proteins for diseases like diabetes, introducing stem cells to repair damaged tissues, growing tissues for transplantation, and developing monoclonal antibodies to treat cancer and autoimmune diseases. The overall importance of medical biotechnology is to prolong life and ease suffering.
FrameSwitcher is a library that makes switching between frames easier. It allows switching frames automatically through annotations, keeps client code readable at a high level, and hides implementation details. The library is easy to include, use, and maintain while providing multithreading support. It works by using annotations, an aspect class, and a FrameSwitcher class to switch frames behind the scenes.
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Onlypjparke
This document provides information about credit reports and credit scores. It discusses how inaccurate credit reports can be, listing studies that found 20-79% of reports contain errors. These inaccuracies can significantly impact a person's credit score and interest rates. The document also outlines factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of credit used. It provides tips for maintaining good credit and improving credit scores.
This document discusses payments and Bank of America's leadership in the payments industry. It notes that payments drive more revenue for banks than any other business. Bank of America leads in the fastest growing payment businesses like debit cards, online banking, ACH, and credit cards. It achieved this position through mergers and acquisitions that filled gaps, and by taking an enterprise-wide view of payments to find opportunities for cost savings, revenue growth, and innovation. This approach to payments differentiation focuses on operational excellence, innovation, and service excellence.
Bank of America Card Services is the leading credit card issuer in the US, with $146.8 billion in US credit card loans as of 3Q06. It has grown managed credit card loans by 31% from 2004 to 2006 through market-leading products, affinity marketing partnerships with over 5,000 organizations, and an expanding customer base across multiple distribution channels. While managed credit card losses rose in 3Q06, they remained lower than the prior year through continued improvements in asset quality. Going forward, Bank of America Card Services aims to leverage its scale and integrated banking platform to drive further profitable growth across key markets, products, and customer segments.
Bank of America is positioned for success with its large national franchise, focus on operating excellence, and strong track record. The document outlines Bank of America's competitive advantages including its large retail footprint, leading positions in wholesale banking, and growing global capabilities. It also discusses the company's diverse business mix, focus on execution and process improvement, consistent earnings growth, and commitment to returning capital to shareholders.
This report analyzes the worldwide markets for number of Debit Cards in Use (Million Units). The report provides separate comprehensive analytics for the US, Canada, Japan, Europe, Asia-Pacific, Latin America, and Rest of World. Annual estimates and forecasts are provided for the period 2009 through 2015. A six-year historic analysis is also provided for these markets. The report profiles 171 companies including many key and niche players. Major debit card issuers profiled in the report include Bank of America Corporation, Barclays Bank Plc, China Merchants Bank Co., Ltd, Citigroup, Inc., Citibank Inc., Cr
Bank of America Chief Financial Officer Al de Molina presented at the Credit Suisse Financial Services Conference on February 10, 2006. In his presentation, he discussed Bank of America's business mix, 2006 earnings outlook, leadership in the consumer and small business market, and efforts to diversify distribution channels and reduce costs. He projected 2006 revenue growth at the low end of the company's 6-9% long-term target range.
This document contains the presentation slides from Bank of America's Chief Financial Officer Joe Price at a securities conference on September 17, 2007. The presentation discusses Bank of America's diversified business mix and earnings sources, its leadership positions across various business lines, and its goals to continue growing earnings through increasing revenues, improving operating leverage, and managing credit costs over the long term. It highlights the company's nationwide footprint and ability to reach customers through various channels.
Goldman Sachs Presentation at the 2008 Merrill Lynch Banking and Financial Se...Manya Mohan
This document provides a cautionary note about forward-looking statements in Goldman Sachs' presentations. It notes that actual results may differ from what is presented. It directs the reader to risk factors in Goldman's annual report and information about non-GAAP calculations on their website. The statements are current as of November 11, 2008, the date of the presentation.
Fintech Brainfood Presents - The State of Fintech 2023sytaylor0
What’s the story of Fintech in 2023?
Ressurection.
During paternity leave, I started to play around with a few bits I’d created for the blog over the year (while the newborn was snoozing). By adding titles to charts I already had it felt like a story was emerging.
So here’s some reading for the holidays.
This document discusses managing fiduciary risk when providing 401(k) participant advice. It provides an overview of the legislative history of fiduciary advice. It also discusses how to manage risks in your own practice and for plan sponsors when outsourcing advice. Finally, it introduces two companies, Smart401k and BeManaged, that provide outsourced fiduciary advice solutions and participant investment programs.
Global Corporate and Investment Banking President Gene Taylor presented on the division's strategy for growth between 2006-2011. The goals are to increase revenues by $10 billion and earnings by $3 billion through deepening client relationships, increasing market share internationally, and strategically deploying capital. Global Investment Banking Head Brian Brille then discussed the strategic themes of integrated delivery of Bank of America's capabilities, capturing largest fee pool opportunities including becoming a top 3 investment bank in the US, and growing the international presence including becoming a top 10 investment bank in Europe.
This document discusses payday lending in Louisiana and its trapping of working families in cycles of debt. It notes that payday loans typically range from $50-$350 for 2 weeks at an annual percentage rate of 520% for a $100 loan. There are over 900 payday lenders in Louisiana, disproportionately located in low-income communities and communities of color. The document argues payday lending leads to long-term indebtedness and bankruptcy for many borrowers and proposes capping interest rates at 36% APR and limiting repeat loans to curb predatory lending practices.
The document discusses Global Consumer & Small Business Banking and Liam McGee, the president. It contains forward-looking statements about Bank of America's financial conditions, operations, and earnings outlook. Several risk factors are outlined that could cause actual results to differ from projections. The presentation then discusses Bank of America's competitive advantages including its large size and scale, proven track record of growth, and plans to continue growing through innovation and integration. Several examples are provided of growth in key business areas like deposits, lending, and small business banking.
Brian Moynihan, president of Global Wealth & Investment Management at Bank of America, discusses opportunities for growth. GWIM is a large competitor providing strong returns. The best opportunity is to leverage BofA's large franchise of over 8 million affluent customer relationships. BofA is capturing this opportunity through investments in client managers and advisors, and by deepening relationships through referrals across business lines. There is potential for much more growth by further leveraging the bank's strengths.
Bank of America Card Services is the leading credit card issuer in the US with $153 billion in outstanding loans. It has a diverse portfolio including credit cards, consumer loans, and international operations. The presentation discusses Bank of America's affinity marketing strategy, which focuses on partnering with organizations to cross-sell multiple products. It highlights opportunities to leverage the MBNA acquisition to expand affinity relationships and cross-sell Bank of America retail banking products to new customer segments.
2006:Bank Charges, Competition and Access to Bankingeconsultbw
This document discusses bank charges and access to banking in Botswana. It summarizes several studies that found bank charges in Botswana to be higher than in neighboring South Africa and other countries in the region. While bank charges are unaffordable for many in Botswana, a survey found that most of the unbanked population cite a lack of regular income rather than high charges as the main reason for not having an account. The document also examines barriers to competition in the banking sector in Botswana and possibilities for new banking models to expand access.
This document is an investor presentation for Citizens Republic Bancorp's first quarter of 2009. It summarizes Citizens Republic as a regional bank with a retail community banking focus. It highlights Citizens Republic's strong capital and liquidity positions, conservative credit culture, and consistent pre-tax pre-provision earnings that can handle credit volatility. The presentation also shows Citizens Republic's improving deposit funding and reduced reliance on wholesale funding.
1) The document discusses Regulation 28 which sets limits on the percentage of debt instruments that retirement funds can invest in based on the issuer and whether the instrument is listed or unlisted.
2) It examines whether being listed provides additional protections and benefits for debt instruments. There is a view that listing brings more regulatory requirements and oversight.
3) The document questions whether being listed truly adds value given disclaimers around accuracy of information. There is a proposal for different rules around placement processes.
4) It provides the specific debt instrument limits for banks under Reg 28, with higher limits for larger listed banks.
Socialize: Monetizing Social Media - Steve KlebeMediabistro
The document discusses alternative payment methods like carrier billing that are gaining popularity. It outlines the differences between the older carrier billing 1.0 model with high fees and premium SMS, compared to the newer direct mobile billing 2.0 model that connects merchants directly to carriers with lower fees of 15-17%. Adopting a mobile payment solution like direct mobile billing can help drive online spending by tapping into the large mobile subscriber base and making purchases more convenient.
CGAP is a global project that works on expanding access to financial services for poor people in developing countries. It has 12 active projects in 9 countries focusing on mobile banking adoption among low-income users. CGAP's analysis shows that mobile banking has reached millions more customers than similar microfinance programs in some countries. While payments and transfers are popular, there is demand for savings and other services as well. The future of mobile banking will depend on uncertainties around regulations, the types of services offered, competition, and how failures could impact consumer trust.
What Lessons Can New Investors Learn from Newman Leech’s Success?Newman Leech
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
5 Compelling Reasons to Invest in Cryptocurrency NowDaniel
In recent years, cryptocurrencies have emerged as more than just a niche fascination; they have become a transformative force in global finance and technology. Initially propelled by the enigmatic Bitcoin, cryptocurrencies have evolved into a diverse ecosystem of digital assets with the potential to reshape how we perceive and interact with money.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
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.
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
4. Dallas-Ft. Worth, TX
Market Intelligence
Banking/Financial Category
Dallas-Ft. Worth, TX Dallas-Ft. Worth, TX represents a $240.3 billion banking/financial
market, ranking tenth among all 210 DMAs.
Market Profile Dallas-Ft. Worth, TX residents
DMA Rank: 5
Averaged 13.0 investment transactions in the past year.
Population: 7,283,340 67% use any type of banking services.
Pop. Growth: (2010-2015) .09% Spend an average of $662 on credit cards each month.
Households: 2,613,491
Total Investments: $240,276,791,344
Banking Service
Household Owns Professional Services Used Banks/Credit Unions
401k plan 25% Accountant 15% Bank of America 32%
529 plan/college savings plan 6% Check cashing 9% Chase 29%
Auto loan 27% Discount stockbroker 3% Wells Fargo 19%
Certificates of Deposit (CDs) 15% Financial planner 13% Citibank 7%
Checking account 80% Full-service stockbroker 9% BBVA Compass 5%
Debit card 61% Online investing/stock trading 7% Capital One Bank 5%
Home Equity/Improvement Loan 5% Wachovia 4%
Home mortgage 35% Investments household Internet bank (such as EtradeBank, etc.) 1%
IRA (Individual Retirement has (HHLD) Guaranty Bank 1%
Account) 20%
Money market account 18% Any investment 52%
Online banking 32% Bonds 13%
Online bill paying 33% Money market funds 21%
Personal loan 7% Mutual funds 28%
Refinance home mortgage 4% Second home or
Savings account 64% real estate property 10%
Stocks or stock options 32%
Other security or investment 14%
Sources: Scarborough, 2011; GfK MRI, Market-by-Market 2011; Claritas, 2011.
Prepared for: Contact: Ivonne Kinser
Account Executive
214.523.4008, ivonne.kinser@mni.com
6. Houston, TX
Market Intelligence
Banking/Financial Category
Houston, TX Houston, TX represents a $196.9 billion banking/financial
market, ranking eighth among all 210 DMAs.
Market Profile Houston, TX residents
DMA Rank: 10
Averaged 14.0 investment transactions in the past year.
Population: 6,333,391 66% use any type of banking services.
Pop. Growth: (2010-2015) .09% Spend an average of $576 on credit cards each month.
Households: 2,197,652
Total Investments: $196,859,929,579
Banking Service
Household Owns Professional Services Used Banks/Credit Unions
401k plan 22% Accountant 10% Chase 35%
529 plan/college savings plan 5% Check cashing 9% Bank of America 23%
Auto loan 21% Discount stockbroker 3% Wells Fargo 19%
Certificates of Deposit (CDs) 15% Financial planner 13% Capital One Bank 7%
Checking account 77% Full-service stockbroker 9% Amegy Bank 6%
Debit card 57% Online investing/stock trading 6% Wachovia 5%
Home Equity/Improvement Loan 5% BBVA Compass 5%
Home mortgage 29% Investments household Citibank 3%
IRA (Individual Retirement has (HHLD) Internet bank (such as EtradeBank, etc.) 3%
Account) 18%
Comerica 1%
Money market account 15% Any investment 49% IBC Bank 1%
Online banking 29% Bonds 14%
Online bill paying 28% Money market funds 19%
Personal loan 5% Mutual funds 24%
Refinance home mortgage 2% Second home or
Savings account 63% real estate property 12%
Stocks or stock options 29%
Other security or investment 13%
Sources: Scarborough, 2011; GfK MRI, Market-by-Market 2011; Claritas, 2011.
Prepared for: Contact: Ivonne Kinser
Account Executive
214.523.4008, ivonne.kinser@mni.com
8. San Antonio, TX
Market Intelligence
Banking/Financial Category
San Antonio, TX San Antonio, TX represents a $59.4 billion banking/financial
market, ranking 41st among all 210 DMAs.
Market Profile San Antonio, TX residents
DMA Rank: 36
Averaged 7.0 investment transactions in the past year.
Population: 2,446,839 70% use any type of banking services.
Pop. Growth: (2010-2015) .08% Spend an average of $555 on credit cards each month.
Households: 855,639
Total Investments: $59,423,474,783
Banking Service
Household Owns Professional Services Used Banks/Credit Unions
401k plan 17% Accountant 10% Bank of America 20%
529 plan/college savings plan 4% Check cashing 10% Wells Fargo 18%
Auto loan 27% Discount stockbroker 2% Chase 15%
Certificates of Deposit (CDs) 12% Financial planner 10% Frost 6%
Checking account 76% Full-service stockbroker 5% IBC Bank 6%
Debit card 58% Online investing/stock trading 4% Broadway National Bank 4%
Home Equity/Improvement Loan 6% BBVA Compass 3%
Home mortgage 27% Investments household Citibank 3%
IRA (Individual Retirement has (HHLD) Jefferson Bank 2%
Account) 17%
Money market account 15% Any investment 45%
Online banking 28% Bonds 11%
Online bill paying 28% Money market funds 16%
Personal loan 10% Mutual funds 19%
Refinance home mortgage 4% Second home or
Savings account 65% real estate property 10%
Stocks or stock options 21%
Other security or investment 15%
Sources: Scarborough, 2011; GfK MRI, Market-by-Market 2011; Claritas, 2011.
Prepared for: Contact: Ivonne Kinser
Account Executive
214.523.4008, ivonne.kinser@mni.com