Case study: Prisma
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Prisma Medios de Pago is a banking company in Argentina that partnered with VUTM to implement a biometric authentication solution for its digital onboarding process. The solution uses facial, voice, and fingerprint recognition powered by Microsoft Azure and Cognitive Services to allow users to perform remote transactions safely and with less friction. Prisma chose VUTM's solution because it focuses on empowering users through secure and frictionless transactions, allowing the bank to expand its technological services to other industries. The implemented biometric authentication system manages the user lifecycle and allows remote secure authentication from any device.
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The document discusses how businesses are shifting from solely providing personalized experiences to becoming collaborative partners that give people more control over their experiences. It provides examples of companies like McDonald's, Tinder, Steam Labs, and Uber that are exploring cooperative experiences through features like customizable digital menus, interactive storytelling apps, user-guided recommendations, and in-car preference options. The document advocates that as technologies advance capabilities for ubiquitous customization, businesses will need to prioritize personal agency and redesign models to emphasize partnership with customers.
Acid tango | Corporate Brochure
Acid Tango is a digital product development studio based in Madrid that helps startups, corporations, and venture builders innovate and build digital products. They use user-centered design and agile development processes to build interactive experiences and complex information systems. Their case studies describe projects including an RFID wristband ticketing platform, an automotive e-commerce platform, a mobility data platform for automotive businesses, and a large human resources management system in Spain.
Acid Tango | Corporate Brochure
Acid Tango is a digital product development studio based in Madrid that helps startups, corporations, and venture builders innovate and build digital products. Since 2009, they have developed technological solutions for large businesses across various industries, including automotive fleet tracking, RFID ticketing platforms, and human resources databases. Acid Tango takes a personalized approach to each project, thoroughly understanding problems and designing scalable and user-centered solutions.
10254techvisiontrend1awcp-200206101024-210820140857-220223213203.pdf
This document discusses the shift from prescribed personalized experiences to cooperative experiences where users have more control and agency. It notes that while personalization is in demand, users have privacy concerns about how their data is collected and used. Some companies are now giving users more transparency and choices to increase trust and engagement. Emerging technologies like 5G and AR will enable more ubiquitous customization, but businesses must focus on sharing control with users and co-creating experiences to build partnerships rather than just providing experiences.
10254techvisiontrend1awcp 200206101024
This document discusses the shift from prescribed personalized experiences to cooperative experiences where users have more control and agency. It notes that while personalization is in demand, users have privacy concerns about how their data is collected and used. Some companies are now giving users more transparency and choices to increase trust and engagement. Emerging technologies like 5G and AR will enable more immersive customized experiences, but companies must focus on sharing control with users to build partnerships rather than just providing experiences.
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10254techvisiontrend1awcp-200206101024-210820140857-220223213203.pdf
10254techvisiontrend1awcp-200206101024-210820140857-220223213203.pdf
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This document summarizes an annual study on digital factoring services for small and medium enterprises (SMEs) in Central and Eastern Europe. It analyzed 12 banks and factoring companies across Poland, Romania, Latvia, and Turkey based on 17 parameters of their online factoring offerings. The study found that the COVID-19 pandemic increased demand for asset-based lending like factoring and drove traditional financial institutions to offer more online products. However, digital factoring offerings in the region still only allow for partial integration with e-invoicing and accounting systems and online/mobile banking. The full study contains an analysis table comparing the 17 parameters for each company and additional documentation.
Digital Lending for SMEs. CEE 2020
Another study that we are launching this year is the Digital SME Lending Study – an Annual Review of the possibility to apply for and receive a loan fully online for Micro and SME customers provided by banks and FinTechs in CEE countries.
The scope of this year’s analysis covers banks and FinTechs that offer at least an online application for an SME loan in the CEE region. In some countries, banks and FinTechs implemented some restrictions on financing SMEs, while some companies stopped lending to SMEs and were therefore not included in the study.
Please write at cee@smebanking.club to request full Study.
Digital SME Sales Tools Study. CEE 2020
As the digital sales process of financial products to the SME segment is becoming more and more relevant, we decided to start the annual reviews of digital customer acquisition processes with this study and publish some first examples of such implementations in the CEE region.
Кредитование - один из ключевых элементов экосистемы системы онлайн-банка
Презентация компании "Системные Технологии" о трендах и реализации онлайн-кредитования в цифровых сервисах для бизнес-клиентов.
Ключевые разделы:
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SME Banking Club Studies 2020. CEE Region
The document outlines several studies conducted by SME Banking Club on digital banking tools for small and medium enterprises (SMEs) in Central and Eastern Europe. It provides details on upcoming or recently completed studies regarding online banking, mobile banking, digital lending, factoring, trade finance, and digital sales tools. Each study analyzes functionality across 25 banks in countries like Poland, Romania, Bulgaria based on 100+ parameters. Results are presented in Excel tables and PDF reports. Top performing banks will be recognized at an awards gala.
Digital Monitoring
Digital Monitoring - система, которая обрабатывает события в digital-сервисах, агрегирует информацию и делает необходимые расчеты, а также выводит в режиме online требуемые для отслеживания метрики. Она может работать с любыми системами удаленного обслуживания, с которыми взаимодействуют клиенты, сотрудники, партнеры: с СДБО, CRM-системами, открытыми API, КДО и т.д.
Creating value for SMEs by creating Ecosystems
This document discusses trends in online banking for small and medium enterprises (SMEs) in Central and Eastern Europe. It analyzes 25 banks in the region and finds that most offer basic online banking services, while some are beginning to offer more advanced services and create ecosystems for SME customers. The document discusses how banks in Poland like mBank and Santander Bank Polska are integrating value-added services like accounting software and e-invoicing into their online platforms. It maintains that creating ecosystems can help banks cross-sell products and SMEs increase productivity.
Charlie India Prague-2019
Katalin Kauzli gave a presentation on building an invoice management service for banks to help small and medium enterprises. Currently, the payments ecosystem is digital but the invoicing process remains largely paper-based. Charlie-India helps banks provide a seamless digital invoicing experience by storing invoices, allowing businesses to issue and receive digital invoices, and integrating invoice data with bank transaction data and accounting systems. A case study from Hungary demonstrated an integrated invoicing and payments ecosystem where invoice and payment data are automatically matched at the bank. The presentation concluded with a demonstration of a real-life invoicing ecosystem simulation to experience the benefits of working with digitally accessible invoice data.
How AI changes SME finance
Artificial Intelligence (AI) is already impacting all of our lives. Prominent examples for current uses are virtual assistants, such as: Alexa, Siri and Google Assistant. Spotify playlists based on musical taste is another example.
CHARLIE-INDIA INVOICE HUB
This document discusses an invoice hub solution called Charlie-India Invoice HUB that provides invoice-related services to small and medium-sized enterprises (SMEs) to help create value for their customers. It highlights how invoice data is a key asset for both banks and SMEs. The solution allows banks to become an invoice data hub and keep customers within the bank. Developing such a solution in-house would require significant time and resources, so partnering with Charlie-India Invoice HUB provides a ready-made invoicing application and decreases implementation costs and time. The solution includes features like issuing, sending, and managing invoices as well as receiving supplier invoices and enabling one-click payments. This can generate value by realizing
E-invoicing webinar
(1) The document discusses online banking services for SMEs, including e-invoicing. It summarizes a study analyzing 25 banks in the CEE region and their online offerings for SMEs. (2) Key trends identified include the integration of value-added services like online accounting and e-invoicing directly into banks' online platforms. (3) The business rationale for both banks and SMEs to offer and utilize e-invoicing services through banks is described as automation, reduced costs, and access to additional financial services.
Online Banking for SMEs. CEE region, June 2019
The document is an annual report by SME Banking Club analyzing online banking functionality for SMEs provided by 25 banks in Central and Eastern Europe. It describes the study methodology, key trends in online banking for SMEs like online customer onboarding and integration of value-added services. The report also includes a ranking of banks based on their online banking offerings for SMEs, with ING Bank Śląski, PKO BP, and mBank ranked as the top three providers in the CEE region.
Caucasus19
The document provides information about the 5th annual Caucasus SME Banking Club Conference 2019 to be held on May 16-17, 2019 in Tbilisi, Georgia. The two-day conference will focus on topics related to bank transformations, digital banking, SME finance, and innovations. It will bring together banking professionals from countries across Eastern Europe and Central Asia to share best practices and insights. Attendees can learn about innovations in areas like online lending and customer experience, and network with representatives from major banks in the region. The conference is organized by SME Banking Club and aims to discuss challenges and opportunities in the SME banking sector.
Study Tour Poland 2019
This document provides information about a study tour to Poland from April 10-11, 2019 focused on digital SME banking and creating ecosystems for SME customers. The tour will include visits to 3 banks and 2 fintech companies in Warsaw and Lodz to learn about their digital transformation efforts, open banking models, lending to SMEs, and collaborations between banks and fintechs. The goal is for participants to gain insights on Poland's innovation in digital banking for SMEs. The 2-day agenda and registration fees are also outlined. The event is limited to 16 banking and finance professionals.
Финансирование МСБ
Мероприятие является логичным продолжением годичного цикла мероприятий, который посвящен вопросам обслуживания клиентов малого и среднего бизнеса (МСБ). В добавление к банковской конференции, данное мероприятие фокусируется на более практических презентациях экспертов, более детальном обсуждении и дискуссиях между специалистами.
Bucharest18
The document is an invitation to the SME Finance Meeting taking place on November 28 in Bucharest, Romania. The meeting will discuss key digital trends and solutions for SME lending, factoring, and customer onboarding. The agenda includes presentations on digital strategies in SME banking in Central and Eastern Europe and the customer journey in the digital age, as well as a Q&A session and networking reception. Attendees must RSVP by November 23 to confirm attendance.
CEE SME Banking Club Conference 2018
We believe in SME. SME Banking Club organizes international and regional banking conferences dedicated to micro-, small and medium business segments. During upcoming IV Annual SME Banking Club Conference 2018 in Central and Eastern Europe business bankers and financial experts will meet as to discuss the latest digital transformation trends in SME banking segment and a role of new players in SME financial services.
CEE SME Banking Club Conference 2017
We believe in SME. SME Banking Club organizes international and regional banking conferences dedicated to micro-, small and medium business segments. During upcoming III Annual SME Banking Club Conference 2017 in Central and Eastern Europe business bankers and financial experts will meet as to discuss the latest digital transformation trends in SME banking segment and a role of new players in SME fi nancial services.
CEE SME Banking Club Conference 2016
The document provides information about the SME Banking Club's annual conference being held on October 23-24, 2016 in Warsaw, Poland. The conference will focus on best practices and innovations in small and medium business banking in Central and Eastern Europe. It will include sessions on trends in CEE banking markets, collaborating with startups, competing with global players, non-financial services, credit risk models, and more. Speakers will represent major banks like BNP Paribas, Nordea, and Sberbank as well as fintech companies. Participants include senior executives from commercial, SME, and business banking. Registration is required through the provided website.
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学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【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。
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留信网认证的作用:
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International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单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）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
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Bridging the gap: Online job postings, survey data and the assessment of job ...
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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.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.
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The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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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Case study: Prisma
- 1. Caso de éxito The solution was focused on empowering its clients to transact safely and with less friction, and offer a competitive advantage to Prisma. Learn what it is about. IDENTIDAD
- 2. Client: Prisma Medios de Pago Web: prismamediosdepago.com Country: Argentina Industry: Banking Prisma Medios de Pago is the result of a strategic alliance between Visa Argentina and Banelco. Both companies have wide experience in the market, and, after providing high quality products and services and leading its sector, they decided to combine their experience and start working together. The priority of Prisma´s team was to implement a facial, voice and fingerprint biometric solution into the digital onboarding process to optimize the user experience and reduce transactional friction to provide the possibility of performing remote transaction anywhere. The Challenge The provided solution is composed of VU™ solution mounted on Microsoft Azure and powered by Cognitive Services system. It was designed to provide a competitive advantage to Prisma and an unprecedented experience for users in Latin America. Prisma chose VU™ because it is the only company whose solution focused on empowering users to perform transactions safely and without friction. This helped the company to shift the direction in order to provide technological services to different industries including banking, government, education and health. Provided Solution About Prisma Medios de Pago Implemented solution: It allows users to perform remote transactions from anywhere in the world. Success Story
- 3. Success Story Secure Onboarding Process It manages the users’ life cycle during the digital transformation process. It allows the remote authentication from any device where the camera can be used. The implemented solutions Robust security controls Configurable and customizable with different services through APIs Can be integrated with API REST and WSD It is customizable and modular: it enables the client to choose which functionalities are added in each stage of the process. It offers a complete software solution that is easily scalable and integrable to the client’s existing system. It allows to create new functionalities to the existents apps without having to create a new one. VU™ is a company that develops cybersecurity solutions focused on fraud prevention, identity protection, risk management and biometrics. Winner of Santander X Tomorrow Challenge and Startup Olé in Spain. Recognized by Forbes, the MIT Technology Review and Endeavor. Member of the fifth cohort chosen by the London Office for Rapid Acceleration in Cybersecurity (LORCA, UK). Thanks to the social impact of the digital identity systems implemented in Argentina and Bolivia, VU™ was recognized by Microsoft as Partner of the Year, two years in a row. +13 years of experience in Cybersecurity + 13 + 25 +220M + 60 Years of experience in cybersecurity Countries in Latam, Europe and the US Protected users Partners worldwide