The document discusses enabling ATM remittances for GT Bank in Nigeria. It provides an overview of global remittance trends, GT Bank's current remittance services and challenges, and proposes a new "Cash Express" ATM remittance solution. The Cash Express solution would allow customers to initiate remittances through various channels and recipients to redeem funds at any ATM without a card. It is estimated to generate over 500 million Naira annually in additional income for GT Bank.
Se presenta el diseño estructural de la fundación de un tanque API-620 para almacenamiento de nafta liviana ubicado en una Zona Sísmica IV. Se trata de un tanque de acero con una capacidad de 5000 m3, 20 m de diámetro y 20,4 m de altura, con una presión interna de operación de 0,045 MPa. Entre las particularidades del diseño se destacan los efectos de la presión interna en combinación con las cargas sísmicas y de viento. Finalmente se adoptó una fundación con un anillo circular
Este documento describe un proyecto para diseñar una unidad de recuperación de azufre en una refinería de petróleo para evitar la emisión de dióxido de azufre a la atmósfera. La unidad recupera el azufre de las corrientes de gases mediante procesos térmicos, catalíticos y de condensación, produciendo azufre líquido con una conversión superior al 96%. El proceso también genera vapor para uso en la refinería a través de la recuperación del calor de las reacciones.
Este documento lista los materiales necesarios por unidad de medida para varios tipos de construcción. Proporciona las cantidades de cemento, hormigón, arena y piedra necesarias por metro cúbico o metro cuadrado para cimientos, zapatas, solados, ladrillos, cielorrasos, pisos y más. También incluye el peso por metro de diferentes diámetros de acero de construcción.
Este documento discute los requisitos de ASME sección V, párrafo T-150(d) sobre la aplicación de procedimientos demostrados versus procedimientos calificados para exámenes no destructivos. Explica que la calificación del procedimiento se requiere solo cuando el código de referencia específicamente lo requiere, como en el caso de ultrasonido en lugar de radiografía según la sección VIII. Para la mayoría de los casos, como partículas magnéticas y líquidos penetrantes, solo se requiere una demostración del procedimiento
ACI 347R-14_Guía de encofrados para hormigón.pdfMarianoAcimut
This document provides guidelines for formwork used in concrete construction. It discusses objectives of safety, quality and economy. It outlines what should be specified in contract documents. It provides advice on designing, constructing and selecting materials for formwork. It addresses considerations for architectural concrete, special structures like bridges, and construction methods like slipforming. The goal is to help engineers and contractors safely and economically meet specification requirements.
01. memoria de calculo estructural carayhuachoMaydelimOrtiz
Este documento presenta una memoria de cálculo estructural para un proyecto de mejoramiento de un centro educativo en Apurímac, Perú. La memoria describe el proyecto, las normas aplicables, el modelo estructural propuesto y los análisis y diseños estructurales realizados para los diferentes elementos como vigas, losas, columnas y cimentaciones. Adicionalmente, incluye secciones sobre el diseño de la cubierta metálica y puente peatonal.
Se presenta el diseño estructural de la fundación de un tanque API-620 para almacenamiento de nafta liviana ubicado en una Zona Sísmica IV. Se trata de un tanque de acero con una capacidad de 5000 m3, 20 m de diámetro y 20,4 m de altura, con una presión interna de operación de 0,045 MPa. Entre las particularidades del diseño se destacan los efectos de la presión interna en combinación con las cargas sísmicas y de viento. Finalmente se adoptó una fundación con un anillo circular
Este documento describe un proyecto para diseñar una unidad de recuperación de azufre en una refinería de petróleo para evitar la emisión de dióxido de azufre a la atmósfera. La unidad recupera el azufre de las corrientes de gases mediante procesos térmicos, catalíticos y de condensación, produciendo azufre líquido con una conversión superior al 96%. El proceso también genera vapor para uso en la refinería a través de la recuperación del calor de las reacciones.
Este documento lista los materiales necesarios por unidad de medida para varios tipos de construcción. Proporciona las cantidades de cemento, hormigón, arena y piedra necesarias por metro cúbico o metro cuadrado para cimientos, zapatas, solados, ladrillos, cielorrasos, pisos y más. También incluye el peso por metro de diferentes diámetros de acero de construcción.
Este documento discute los requisitos de ASME sección V, párrafo T-150(d) sobre la aplicación de procedimientos demostrados versus procedimientos calificados para exámenes no destructivos. Explica que la calificación del procedimiento se requiere solo cuando el código de referencia específicamente lo requiere, como en el caso de ultrasonido en lugar de radiografía según la sección VIII. Para la mayoría de los casos, como partículas magnéticas y líquidos penetrantes, solo se requiere una demostración del procedimiento
ACI 347R-14_Guía de encofrados para hormigón.pdfMarianoAcimut
This document provides guidelines for formwork used in concrete construction. It discusses objectives of safety, quality and economy. It outlines what should be specified in contract documents. It provides advice on designing, constructing and selecting materials for formwork. It addresses considerations for architectural concrete, special structures like bridges, and construction methods like slipforming. The goal is to help engineers and contractors safely and economically meet specification requirements.
01. memoria de calculo estructural carayhuachoMaydelimOrtiz
Este documento presenta una memoria de cálculo estructural para un proyecto de mejoramiento de un centro educativo en Apurímac, Perú. La memoria describe el proyecto, las normas aplicables, el modelo estructural propuesto y los análisis y diseños estructurales realizados para los diferentes elementos como vigas, losas, columnas y cimentaciones. Adicionalmente, incluye secciones sobre el diseño de la cubierta metálica y puente peatonal.
Este documento presenta una introducción al programa AutoCAD Civil 3D Land Desktop Companion. Explica que el programa permite realizar tareas de ingeniería civil como planimetría, loteos, modelos tridimensionales de terreno, curvas de nivel, cálculo de volúmenes y diseño de proyectos de infraestructura. También describe las funcionalidades del programa complementario Autodesk Civil Design, el cual permite diseñar proyectos en planta, alzado y perfiles. Finalmente, presenta la estructura de contenidos del manual.
A short course in foundation engineeringZaid Majed
This chapter introduces the concepts of effective stress and short-term and long-term stability in geotechnical engineering. Effective stress is defined as the total stress minus the pore water pressure. The principle of effective stress states that soils behave according to the effective stresses and are unaffected by changes in pore water pressure. Short-term stability considers immediate loading conditions while long-term stability accounts for time-dependent consolidation processes. Methods for computing effective stress and assessing short-term and long-term stability are discussed.
La importancia de colocar canaletas protege las paredes y ventanas de la suciedad, protege la madera de puertas y ventanas, mantiene el césped y plantas en buen estado, permite un ingreso más cómodo a la casa, ayuda con el desagüe de agua de lluvia, y mejora el desagüe de patios.
Este documento presenta un resumen de 12 capítulos del Manual de Programas GEO5 para ingenieros. El Capítulo 1 explica cómo configurar los estándares y métodos de análisis en GEO5. Los capítulos siguientes muestran cómo resolver problemas de ingeniería como el diseño de muros de gravedad, muros en voladizo, muros de contención y taludes mediante el software. El documento proporciona ejemplos paso a paso y verifica los resultados según diferentes estándares.
Este documento contiene varias normas legales publicadas en el Diario Oficial de la República del Perú el 30 de diciembre de 2002. Incluye leyes aprobadas por el Congreso de la República relacionadas con presupuestos y tributos, decretos supremos y resoluciones ministeriales de diferentes sectores como defensa, economía, justicia y transportes. También presenta nombramientos de personal militar y designaciones de autoridades para viajes oficiales.
Este documento describe los criterios de diseño geotécnico utilizados en México para presas de enrocamiento con cara de concreto de gran altura. Explica la zonificación típica de este tipo de presas según las recomendaciones de ICOLD, con énfasis en las zonas 2A, 2B y 3A. También describe las características de los materiales utilizados en México para estas zonas y los estudios de campo y laboratorio realizados para determinar dichas características. Finalmente, resume los análisis numéricos es
Daewoo doosan mega 200 v 200 v wheel loader parts catalogue manualikkdkdmmsmd
This document contains a parts list and exploded diagram for an engine mounting system. It lists over 60 individual parts, including frames, brackets, bolts, washers, pipes, and other mounting hardware. Key information provided includes part numbers, descriptions, quantities, serial number ranges the parts are applicable to, and replacement part numbers. The diagram shows how all of the pieces fit together to mount the engine and transmission within the overall assembly.
El documento describe los principios básicos del análisis de estabilidad de taludes. Explica que un talud es estable si su factor de seguridad es mayor que 1. Calcula el factor de seguridad para taludes infinitos y finitos usando diferentes métodos como el de masa o método de dovelas, y asumiendo diferentes formas para la superficie de falla como plana o circular. También analiza la influencia de factores como la cohesión, ángulo de fricción, altura del talud e infiltración en el cálculo del factor de seg
www.FescoDirect.com Offers Quality New & Used CEMCO ConcretePlants and Cement Equipment Sales.Call Today 1-262-349-9436 for the Best Price Quote on CEMCO Concrete Plants = New Efficient Technology in Concrete/Cement Production by CEMCO Concrete Plants.
El documento proporciona información sobre tres tipos de barreras de seguridad: 1) Barreras New Jersey, que se usan originalmente para dividir carriles en autopistas y son barreras de hormigón de 3 a 5 pies de altura. 2) Malla Pantanet, que es una malla electrosoldada con alambre galvanizado y plastificado para uso como cercado. 3) Muros de durmientes, donde las traviesas de ferrocarril se pueden usar para construir muros de contención en jardines lejos de áreas de cultivo, ya sea
Este documento establece los requisitos y métodos para realizar exámenes ultrasónicos de materiales y productos de fabricación. Describe los requisitos generales para el equipo, procedimientos, calibración y aplicaciones del método ultrasónico para inspeccionar soldaduras, partes, componentes, materiales y espesores. Cubre específicamente los requisitos para examinar placas, forjas, barras, productos tubulares y fundiciones utilizando ultrasonido.
Este documento proporciona especificaciones para la selección y aplicación de pinturas industriales. Detalla los requisitos para la preparación de superficies de acero y concreto, incluida la limpieza, inspección y reparación. También cubre los métodos de aplicación de pintura, como rociado, brocha y rodillo. Además, incluye requisitos específicos para la pintura de acero inoxidable, superficies galvanizadas, recubrimientos de aluminio y madera. Por último, destaca la importancia de la segur
El documento describe los criterios de clasificación de suelos en el laboratorio. Los suelos se clasifican principalmente en base a su tamaño de partícula (suelos de partículas finas o gruesas), y su contenido de limo y arcilla (limos, arcillas, arenas, gravas). También se especifican criterios adicionales como los límites de Atterberg y coeficientes de uniformidad y curvatura para una clasificación más detallada. La clasificación resulta en grupos principales y subgrupos indicados por símbolos.
Este documento presenta un listado de códigos de calles de una ciudad con el nombre de la calle y los números de las cuadras correspondientes a cada código. Se enumeran más de 100 códigos de calles con sus respectivos rangos de números. La información se presenta en una tabla con las columnas Código, Nombre de Calle y Desde-Hasta.
Este documento presenta un estudio sobre la determinación de la estratigrafía de suelos sedimentarios en el noreste de Argentina utilizando el ensayo de penetración cónica (CPT). Los resultados de CPT se compararon con sondeos de control y muestras de suelo. Se encontró que el CPT proporciona un alto grado de detalle sobre la estratigrafía y que existe una buena correlación entre la clasificación de suelos según CPT y el Sistema Unificado de Clasificación de Suelos tradicional. El estudio
Este documento presenta la clasificación de dos suelos según el Sistema Unificado de Clasificación de Suelos (SUCS). El primer suelo se clasifica como suelo arcilloso (CL) debido a que más del 80% pasa el tamiz No. 200, tiene un límite líquido de 25% y un índice de plasticidad de 15. El segundo suelo se clasifica como suelo arenoso arcilloso (SC) dado que más del 60% pasa el tamiz No. 200 pero más del 90% pasa el tamiz No. 4, tiene un límite líqu
Este informe mensual resume el avance de la obra de rehabilitación y mejoramiento de la carretera Chongoyape - Llama en octubre de 2010. Se entregó el terreno al contratista y se otorgó un adelanto directo equivalente al 20% del monto del contrato. No se han presentado adelantos por materiales. El inicio del plazo de obra fue el 19 de octubre de 2010 y la fecha de término del plazo vigente es el 7 de octubre de 2012.
This document provides instructions for installing ring gears. It describes checking the alignment of the mounting flange, assembling the gear to the flange, checking the gear's radial and axial runout, setting the pinion, and performing a dynamic alignment check. The document includes details on the required tools, parts, and steps to ensure proper installation and alignment of the ring gear. Tolerances and limits are provided to aim for optimal gear performance.
Este documento define los ensayos triaxiales consolidados y describe las diferencias clave entre los ensayos consolidados drenados (CD) y no drenados. Explica que los ensayos CD permiten medir los cambios de volumen en la muestra a medida que el agua contenida se libera lentamente, lo que permite la reorganización de las partículas sólidas. También describe cómo los ensayos CD se utilizan para obtener parámetros del suelo y la relación esfuerzo-deformación.
Este documento describe canastillas para pasajuntas (dowels), que se utilizan para sostener y alinear barras pasajuntas en las juntas de pisos y pavimentos de concreto. Las canastillas aumentan la vida útil de los pavimentos al facilitar la instalación de los dowels y acelerar la construcción. Proporciona detalles técnicos sobre los usos, especificaciones y nomenclatura de las canastillas para pasajuntas.
World Payments Report 2014 Key Findings PresentationCapgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provide insight into global and regional non-cash payment trends. In this presentation from the World Payments Report 2014, we explore what is driving payments growth, the increasing overlap of key regulatory and industry initiatives, the increased cascade effect, and innovation and transformation in payments processing. Visit www.worldpaymentsreport.com for more information.
DigiPay.guru is boosting the digital revolution by helping startups and enterprises to digitize their business with its top-notch digital payment solutions.
Este documento presenta una introducción al programa AutoCAD Civil 3D Land Desktop Companion. Explica que el programa permite realizar tareas de ingeniería civil como planimetría, loteos, modelos tridimensionales de terreno, curvas de nivel, cálculo de volúmenes y diseño de proyectos de infraestructura. También describe las funcionalidades del programa complementario Autodesk Civil Design, el cual permite diseñar proyectos en planta, alzado y perfiles. Finalmente, presenta la estructura de contenidos del manual.
A short course in foundation engineeringZaid Majed
This chapter introduces the concepts of effective stress and short-term and long-term stability in geotechnical engineering. Effective stress is defined as the total stress minus the pore water pressure. The principle of effective stress states that soils behave according to the effective stresses and are unaffected by changes in pore water pressure. Short-term stability considers immediate loading conditions while long-term stability accounts for time-dependent consolidation processes. Methods for computing effective stress and assessing short-term and long-term stability are discussed.
La importancia de colocar canaletas protege las paredes y ventanas de la suciedad, protege la madera de puertas y ventanas, mantiene el césped y plantas en buen estado, permite un ingreso más cómodo a la casa, ayuda con el desagüe de agua de lluvia, y mejora el desagüe de patios.
Este documento presenta un resumen de 12 capítulos del Manual de Programas GEO5 para ingenieros. El Capítulo 1 explica cómo configurar los estándares y métodos de análisis en GEO5. Los capítulos siguientes muestran cómo resolver problemas de ingeniería como el diseño de muros de gravedad, muros en voladizo, muros de contención y taludes mediante el software. El documento proporciona ejemplos paso a paso y verifica los resultados según diferentes estándares.
Este documento contiene varias normas legales publicadas en el Diario Oficial de la República del Perú el 30 de diciembre de 2002. Incluye leyes aprobadas por el Congreso de la República relacionadas con presupuestos y tributos, decretos supremos y resoluciones ministeriales de diferentes sectores como defensa, economía, justicia y transportes. También presenta nombramientos de personal militar y designaciones de autoridades para viajes oficiales.
Este documento describe los criterios de diseño geotécnico utilizados en México para presas de enrocamiento con cara de concreto de gran altura. Explica la zonificación típica de este tipo de presas según las recomendaciones de ICOLD, con énfasis en las zonas 2A, 2B y 3A. También describe las características de los materiales utilizados en México para estas zonas y los estudios de campo y laboratorio realizados para determinar dichas características. Finalmente, resume los análisis numéricos es
Daewoo doosan mega 200 v 200 v wheel loader parts catalogue manualikkdkdmmsmd
This document contains a parts list and exploded diagram for an engine mounting system. It lists over 60 individual parts, including frames, brackets, bolts, washers, pipes, and other mounting hardware. Key information provided includes part numbers, descriptions, quantities, serial number ranges the parts are applicable to, and replacement part numbers. The diagram shows how all of the pieces fit together to mount the engine and transmission within the overall assembly.
El documento describe los principios básicos del análisis de estabilidad de taludes. Explica que un talud es estable si su factor de seguridad es mayor que 1. Calcula el factor de seguridad para taludes infinitos y finitos usando diferentes métodos como el de masa o método de dovelas, y asumiendo diferentes formas para la superficie de falla como plana o circular. También analiza la influencia de factores como la cohesión, ángulo de fricción, altura del talud e infiltración en el cálculo del factor de seg
www.FescoDirect.com Offers Quality New & Used CEMCO ConcretePlants and Cement Equipment Sales.Call Today 1-262-349-9436 for the Best Price Quote on CEMCO Concrete Plants = New Efficient Technology in Concrete/Cement Production by CEMCO Concrete Plants.
El documento proporciona información sobre tres tipos de barreras de seguridad: 1) Barreras New Jersey, que se usan originalmente para dividir carriles en autopistas y son barreras de hormigón de 3 a 5 pies de altura. 2) Malla Pantanet, que es una malla electrosoldada con alambre galvanizado y plastificado para uso como cercado. 3) Muros de durmientes, donde las traviesas de ferrocarril se pueden usar para construir muros de contención en jardines lejos de áreas de cultivo, ya sea
Este documento establece los requisitos y métodos para realizar exámenes ultrasónicos de materiales y productos de fabricación. Describe los requisitos generales para el equipo, procedimientos, calibración y aplicaciones del método ultrasónico para inspeccionar soldaduras, partes, componentes, materiales y espesores. Cubre específicamente los requisitos para examinar placas, forjas, barras, productos tubulares y fundiciones utilizando ultrasonido.
Este documento proporciona especificaciones para la selección y aplicación de pinturas industriales. Detalla los requisitos para la preparación de superficies de acero y concreto, incluida la limpieza, inspección y reparación. También cubre los métodos de aplicación de pintura, como rociado, brocha y rodillo. Además, incluye requisitos específicos para la pintura de acero inoxidable, superficies galvanizadas, recubrimientos de aluminio y madera. Por último, destaca la importancia de la segur
El documento describe los criterios de clasificación de suelos en el laboratorio. Los suelos se clasifican principalmente en base a su tamaño de partícula (suelos de partículas finas o gruesas), y su contenido de limo y arcilla (limos, arcillas, arenas, gravas). También se especifican criterios adicionales como los límites de Atterberg y coeficientes de uniformidad y curvatura para una clasificación más detallada. La clasificación resulta en grupos principales y subgrupos indicados por símbolos.
Este documento presenta un listado de códigos de calles de una ciudad con el nombre de la calle y los números de las cuadras correspondientes a cada código. Se enumeran más de 100 códigos de calles con sus respectivos rangos de números. La información se presenta en una tabla con las columnas Código, Nombre de Calle y Desde-Hasta.
Este documento presenta un estudio sobre la determinación de la estratigrafía de suelos sedimentarios en el noreste de Argentina utilizando el ensayo de penetración cónica (CPT). Los resultados de CPT se compararon con sondeos de control y muestras de suelo. Se encontró que el CPT proporciona un alto grado de detalle sobre la estratigrafía y que existe una buena correlación entre la clasificación de suelos según CPT y el Sistema Unificado de Clasificación de Suelos tradicional. El estudio
Este documento presenta la clasificación de dos suelos según el Sistema Unificado de Clasificación de Suelos (SUCS). El primer suelo se clasifica como suelo arcilloso (CL) debido a que más del 80% pasa el tamiz No. 200, tiene un límite líquido de 25% y un índice de plasticidad de 15. El segundo suelo se clasifica como suelo arenoso arcilloso (SC) dado que más del 60% pasa el tamiz No. 200 pero más del 90% pasa el tamiz No. 4, tiene un límite líqu
Este informe mensual resume el avance de la obra de rehabilitación y mejoramiento de la carretera Chongoyape - Llama en octubre de 2010. Se entregó el terreno al contratista y se otorgó un adelanto directo equivalente al 20% del monto del contrato. No se han presentado adelantos por materiales. El inicio del plazo de obra fue el 19 de octubre de 2010 y la fecha de término del plazo vigente es el 7 de octubre de 2012.
This document provides instructions for installing ring gears. It describes checking the alignment of the mounting flange, assembling the gear to the flange, checking the gear's radial and axial runout, setting the pinion, and performing a dynamic alignment check. The document includes details on the required tools, parts, and steps to ensure proper installation and alignment of the ring gear. Tolerances and limits are provided to aim for optimal gear performance.
Este documento define los ensayos triaxiales consolidados y describe las diferencias clave entre los ensayos consolidados drenados (CD) y no drenados. Explica que los ensayos CD permiten medir los cambios de volumen en la muestra a medida que el agua contenida se libera lentamente, lo que permite la reorganización de las partículas sólidas. También describe cómo los ensayos CD se utilizan para obtener parámetros del suelo y la relación esfuerzo-deformación.
Este documento describe canastillas para pasajuntas (dowels), que se utilizan para sostener y alinear barras pasajuntas en las juntas de pisos y pavimentos de concreto. Las canastillas aumentan la vida útil de los pavimentos al facilitar la instalación de los dowels y acelerar la construcción. Proporciona detalles técnicos sobre los usos, especificaciones y nomenclatura de las canastillas para pasajuntas.
World Payments Report 2014 Key Findings PresentationCapgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provide insight into global and regional non-cash payment trends. In this presentation from the World Payments Report 2014, we explore what is driving payments growth, the increasing overlap of key regulatory and industry initiatives, the increased cascade effect, and innovation and transformation in payments processing. Visit www.worldpaymentsreport.com for more information.
DigiPay.guru is boosting the digital revolution by helping startups and enterprises to digitize their business with its top-notch digital payment solutions.
This document outlines a proposal to introduce ecommerce to Malawi by addressing the challenges merchants face. It notes that while digital financial services have grown rapidly in Malawi, ecommerce has yet to take off. The proposal involves creating an online marketplace and payment service provider to simplify the process for merchants to create online stores and accept payments from various sources. Financial projections estimate the venture could generate over $2.5 million in annual revenue within 3 years by charging transaction fees on its platform. The proposal argues this solution can help Malawi participate in Africa's growing $75 billion ecommerce industry by resolving key issues around online payments and technical support for merchants.
1) Ethiopia has high potential for e-commerce growth given its large population and rapid infrastructure development, but card-not-present transactions present security risks.
2) 3D Secure is a global standard that adds an extra authentication layer for online payments, reducing fraud liability for merchants. It works by requesting additional identity verification from the cardholder during checkout.
3) While 3D Secure reduces fraud, some countries still experience high costs of billions from card-not-present fraud each year, showing the ongoing need to implement secure online payment solutions.
FinTech outlook for 2017 report discussing trends, opportunities and challengesMEDICI admin
The report is intended for readers who want to better understand the dramatic changes that have begun to take place—and that are accelerating—in the global FinTech landscape. The payments industry, which is one of the focus areas of this report, has never been more exciting.
The report starts with the current state of FinTech and then provides an analysis of major emerging technologies and market forces that are shaping the FinTech market for 2017. It discusses the major opportunities and challenges faced by incumbents as well as FinTech startups. The report also provides a brief on the geographic split of payments volume, revenue and how they are expected to shift gradually by 2024.
Zvilo aims to become the first major challenger bank in the Balkans by offering digital financial solutions and disrupting outdated banking. They plan to focus on countries like Kosovo, Albania, North Macedonia, and more. Zvilo sees an opportunity due to high banking fees, poor user experience from incumbents, and a large unbanked population. Their strategy is to partner with retailers to offer supply chain financing and promote consumer banking to access customers. Financial projections show growing revenue streams from supply chain financing, consumer banking, money transfers, and interchange fees to reach over €66 million in revenue by year five.
Sanjoy Sen - World Cards Conference - Key Note Presentation - Global Trends &...Sanjoy Sen
This document discusses innovation in payment systems and opportunities for growth. It notes that customers are deleveraging and tightening bank policies have fostered alternative lenders. Payment channels are expanding beyond traditional point-of-sale to include online shopping, mobile payments, and person-to-person transfers. New innovations like contactless payments, mobile wallets, and social lending are emerging from both traditional players and new entrants. Banks must broaden their digital capabilities and create platforms for innovation through partnerships to remain competitive in this changing landscape.
Global payments 2014_next_level_value_sep_2014_tcm80-171913(1)Rudi Chatab
The payments industry is poised for continued strong growth through 2023. Payments revenues are estimated to reach $2.1 trillion globally, up from $1 trillion in 2013. Retail payments will dominate led by account revenues and credit cards. Wholesale transaction banking revenues will also increase substantially. Digital technologies will disrupt the industry as payments become integrated into broader platforms. Financial institutions must develop long-term growth strategies and pursue multiple innovation initiatives to capture the significant revenue opportunities while fending off new competitors.
IMAN is a halal fintech startup based in Uzbekistan that offers a buy now pay later (BNPL) solution, investment platform, and marketplace for Muslims. It has raised $1 million so far and is seeking $1 million more in pre-series A funding to improve its product, grow its customer base, and scale operations. IMAN currently has over 30,000 active BNPL users, $1.3 million in installment loans booked, and 108 merchants on its platform. The company aims to become the leading BNPL provider in Uzbekistan and expand across Central Asia and Southeast Asia.
This document discusses strategies for Zimbabwe Posts to effectively manage liquidity and float for multiple digital financial service providers. It outlines Zimbabwe Posts' role in digital financial services including as an agent for international money transfers and mobile payments. Challenges are presented around funding floats for multiple providers and managing liquidity in cash-out areas. Solutions proposed include a shared float managed by the central bank, infrastructure sharing, and addressing high service costs. The conclusion emphasizes the need for cooperation between stakeholders to leverage new technologies for socioeconomic development.
This document provides an overview of the global payment processing industry. It discusses key metrics like annual revenue, growth projections, and processing mediums. The payment market is growing steadily, driven by increases in e-commerce, mobile payments, and the EMV upgrade cycle in the US. Major players in the industry include payment processors, card issuers, and merchant acquirers. The payment processing flow and various actors involved are outlined. The document also examines industry trends, long-term outlook, regulations and competing technologies.
The document discusses initiatives to promote financial inclusion in India through banking the unbanked, especially in rural areas. It outlines some key challenges like large rural population, financial illiteracy, and infrastructure issues. Several initiatives have been taken like "no-frills" bank accounts and business correspondent models, but impact has been limited. It proposes leveraging growing mobile technology and networks to provide basic banking services to more people through a framework involving backend systems and front-end access through mobile phones or business correspondents. An inter-ministerial group was constituted to develop this framework.
Describes in detail the market potential of Rural Agri-Laborers, with an analysis of the segment profile, noting global trends. Also, the addressable needs of the Future Silver Economy, such as financing, insurance and payments are detailed as well, with each need paired with how Financial Instiutions can step in to address the needs such as a solution that allows for instant fund withdrawal, insure the most valuable portions of their crops and a mobile solution that records terms of contract and automates payments. To top things off, a case study is provided to elucidate how EY has helped our client to better target the Rural Agri-Laborers.
Digital Financial Services: The Current Landscape
In 3 sentences:
CGAP is focused on spurring financial inclusion through digital financial services innovation. Over 250 providers now serve over 340 million customers across 84 countries using digital channels like mobile money, with 38% of customers classified as low-income. Rapid scaling of agent networks has enabled the expansion of services from basic transfers to include savings, credit, insurance, utilities payments and more, transforming access to financial and other services for the poor.
RedAnts is developing a next generation money services platform using cryptocurrency and blockchain technology. They aim to disrupt the global remittance market, which currently sees high costs of over 8% on average to send $200 internationally. RedAnts will offer instant money transfer services between digital wallets and cash using blockchain-based clearing. This could unlock market potentials by offering low-cost, convenient services to the billions of "unbanked" individuals worldwide, as well as facilitating remittances for migrant workers. RedAnts seeks to gain an initial user base through cryptocurrency marketing campaigns offering free bitcoin payouts and services.
The document discusses the changing banking market and outlines three potential futures for banks:
1) Living ecosystem: Banks manage integrated fintech and bigtech partnerships to offer customers a broad range of services.
2) Oligopolistic structure: Many traditional banks lose customers to fintechs and bigtechs, narrowing their focus and reducing customer choice.
3) Integrated banking services: Banks successfully integrate financial services into customers' daily lives by predicting needs and delivering boundaryless services.
It argues banks must think in terms of customer desires rather than products, create end-to-end digital services, develop holistic platform solutions, and integrate services into digital ecosystems to navigate toward the most positive future.
Introducing Milvus Lite: Easy-to-Install, Easy-to-Use vector database for you...Zilliz
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“An Outlook of the Ongoing and Future Relationship between Blockchain Technologies and Process-aware Information Systems.” Invited talk at the joint workshop on Blockchain for Information Systems (BC4IS) and Blockchain for Trusted Data Sharing (B4TDS), co-located with with the 36th International Conference on Advanced Information Systems Engineering (CAiSE), 3 June 2024, Limassol, Cyprus.
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/building-and-scaling-ai-applications-with-the-nx-ai-manager-a-presentation-from-network-optix/
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What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...Neo4j
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- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
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CI/CD with in UiPath
End-to-end overview of CI/CD pipeline with Azure devops
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TrustArc Webinar - 2024 Global Privacy SurveyTrustArc
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In the fifth annual Global Privacy Benchmarks Survey, we asked over 1,800 global privacy professionals and business executives to share their perspectives on the current state of privacy inside and outside of their organizations. This year’s report focused on emerging areas of importance for privacy and compliance professionals, including considerations and implications of Artificial Intelligence (AI) technologies, building brand trust, and different approaches for achieving higher privacy competence scores.
See how organizational priorities and strategic approaches to data security and privacy are evolving around the globe.
This webinar will review:
- The top 10 privacy insights from the fifth annual Global Privacy Benchmarks Survey
- The top challenges for privacy leaders, practitioners, and organizations in 2024
- Key themes to consider in developing and maintaining your privacy program
Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
available on those devices, but many of the features provide convenience and capability but sacrifice security. This best practices guide outlines steps the users can take to better protect personal devices and information.
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In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
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Neha Bajwa, Vice President of Product Marketing, Neo4j
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In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
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How to Get CNIC Information System with Paksim Ga.pptxdanishmna97
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2. 2
Global Trends in RemittancesGlobal Trends in Remittances
Globally the Remittance Market Comprises several playersGlobally the Remittance Market Comprises several players
Top 2 International Players: Western Union, MoneyGramTop 2 International Players: Western Union, MoneyGram
Banks also offer their own internal remittance servicesBanks also offer their own internal remittance services
Remittances is a multi-billion dollar market.Remittances is a multi-billion dollar market.
Officially recorded remittances for 2008 is $305 billion (WorldOfficially recorded remittances for 2008 is $305 billion (World
Bank Report March 2009)Bank Report March 2009)
Double digit annual growth has been recorded in the past fewDouble digit annual growth has been recorded in the past few
yearsyears
Global forecast is that it would be between $280-299 billion inGlobal forecast is that it would be between $280-299 billion in
2009 due to the economic outlook2009 due to the economic outlook
3. 3
Global Trends in Remittances (contd.)Global Trends in Remittances (contd.)
Despite the economic downturn total remittances have beenDespite the economic downturn total remittances have been
relatively stable or on the rise to some parts of Africarelatively stable or on the rise to some parts of Africa
Rwanda, Kenya, Nigeria (Recent Reports from IAMTN)Rwanda, Kenya, Nigeria (Recent Reports from IAMTN)
Worldwide Remittance Service providers are adopting andWorldwide Remittance Service providers are adopting and
leveraging electronic channels to deliver better service eg.leveraging electronic channels to deliver better service eg.
MoneyGram and NCB to launch money transfer network inMoneyGram and NCB to launch money transfer network in
Saudi Arabia.Saudi Arabia.
MoneyGram and National Commercial Bank have entered intoMoneyGram and National Commercial Bank have entered into
an agreement to offer MoneyGram's international moneyan agreement to offer MoneyGram's international money
transfer service at the bank's 1,400 ATM locations in Sauditransfer service at the bank's 1,400 ATM locations in Saudi
Arabia. (IAMTN Report July 3Arabia. (IAMTN Report July 3rdrd
2009)2009)
4. 4
About GT BankAbout GT Bank
Offers Local and International RemittanceOffers Local and International Remittance
ServicesServices
Local/In-house:Local/In-house: CIT – Cash In TransitCIT – Cash In Transit
International:International: Western UnionWestern Union
CIT is offered across all its branches toCIT is offered across all its branches to
customerscustomers
Using the Internet Banking facilities someUsing the Internet Banking facilities some
customers can initiate remittances. A visit to acustomers can initiate remittances. A visit to a
branch is required to redeembranch is required to redeem
23,000 CIT Transactions per month23,000 CIT Transactions per month
5. 5
About GT Bank (contd.)About GT Bank (contd.)
No. of Branches: 160No. of Branches: 160
No. of Cards Issued: 1.6 millionNo. of Cards Issued: 1.6 million
No. of Active Cards: 1.1 millionNo. of Active Cards: 1.1 million
No. of Installed ATMs: 455No. of Installed ATMs: 455
No. of Off-Site ATMs: 90No. of Off-Site ATMs: 90
No. of ATM Transactions per Month: 2.1 millionNo. of ATM Transactions per Month: 2.1 million
6. 6
GT Bank’s Business ChallengesGT Bank’s Business Challenges
Exploiting potential benefits offered byExploiting potential benefits offered by
Electronic Channels for economic and businessElectronic Channels for economic and business
advantage eg.advantage eg.
Cost ReductionCost Reduction
Consumer Self-Service (Ease, Convenience,Consumer Self-Service (Ease, Convenience,
Speed)Speed)
Confronting competition from other banks forConfronting competition from other banks for
dominance of the business transactions marketdominance of the business transactions market
7. 7
GT Bank’s Business Challenges (contd.)GT Bank’s Business Challenges (contd.)
Unrelenting thrust to maintain sustainableUnrelenting thrust to maintain sustainable
growth and increase shareholder valuegrowth and increase shareholder value
Increase Revenues and ProfitIncrease Revenues and Profit
Missed opportunities to earn additional incomeMissed opportunities to earn additional income
Remittances are restricted to normal banking hoursRemittances are restricted to normal banking hours
Few customers with Internet Access in the marketFew customers with Internet Access in the market
8. 8
GT Bank’s Business Challenges (contd.)GT Bank’s Business Challenges (contd.)
Mine the potential existing in the large informalMine the potential existing in the large informal
sectorsector
Over 80% Unbanked Population in NigeriaOver 80% Unbanked Population in Nigeria
Global recognition of Nigeria as major frontier forGlobal recognition of Nigeria as major frontier for
consumer P2P servicesconsumer P2P services
9. 9
What is ?What is ?
It is an ATM Remittance SolutionIt is an ATM Remittance Solution
It is an alternative channel for fundsIt is an alternative channel for funds
transfer and redemptiontransfer and redemption
10. 10
Why ?Why ?
Leverages the ATM Channel for funds transferLeverages the ATM Channel for funds transfer
and redemptionand redemption
Enable 24/7 RemittancesEnable 24/7 Remittances
Provides Fast, Convenient, Easy and SecureProvides Fast, Convenient, Easy and Secure
Access to CashAccess to Cash
Supports Card-less Redemption of TransferredSupports Card-less Redemption of Transferred
FundsFunds
Integrates ATM Channel with Web and MobileIntegrates ATM Channel with Web and Mobile
Phone for Cash-OutPhone for Cash-Out
Supports Cards from Multiple IssuersSupports Cards from Multiple Issuers
11. 11
Cash Express Solution OverviewCash Express Solution Overview
Sender Receiver
Internet
Banking
Mobile
CHANNELS
Generate reference
via several channels
Receive reference
on mobile phone
Cash withdrawal
on ATM
Collects cash
without card
Cash out
ATM
Branch
12. 12
Cash Express Transaction FlowCash Express Transaction Flow
Cash
Express
Server
Internet
Banking
Mobile
CHANNELS
ATM
Branch
Receiver
Remittance request via several channels(1)
Send reference number (2)
Send authorization code
(3)
Visit ATM
1. Enter reference number
2. Enter authorization code
(4)
Verify
(5)
(6)
Sender
13. 13
Examples of Commercial ApplicationsExamples of Commercial Applications
Remittances to Mechanics or ArtisansRemittances to Mechanics or Artisans
Remittances to Non-Account HoldersRemittances to Non-Account Holders
Remittances to close and extendedRemittances to close and extended
family members for medical treatmentfamily members for medical treatment
Remittances to students and relationsRemittances to students and relations
to pay school feesto pay school fees
Remittances for purchases eg. VillageRemittances for purchases eg. Village
HomeHome
14. 14
How it Works: Initiating RemittancesHow it Works: Initiating Remittances
1. Visit ATM. Press Any Key 2. Select Card Transaction 3. Select Cardless Transfer
4. Enter Recipient Mobile No. 5. Enter Amount 6. Take Card and Receipt
15. 15
How it Works: Redeeming RemittancesHow it Works: Redeeming Remittances
1. Recipient Receives Ref. 2. Visits ATM with Ref/Auth Code 3. Select Cardless Transaction
4. Enter Transfer Ref. 5. Enters Auth Code
16. 16
Value Proposition to GT BankValue Proposition to GT Bank
Opens additional earnings potentialOpens additional earnings potential
Offers competitive edge against otherOffers competitive edge against other
BanksBanks
Assist in new customer acquisitionsAssist in new customer acquisitions
Database of new leads and contactsDatabase of new leads and contacts
Reach out to 80% unbankedReach out to 80% unbanked
Guarantees investment protectionGuarantees investment protection
17. 17
Value Proposition to GT Bank (contd.)Value Proposition to GT Bank (contd.)
Expand Market ShareExpand Market Share
Reduces costs and improvesReduces costs and improves
efficienciesefficiencies
18. 18
Earnings Potential from Cash ExpressEarnings Potential from Cash Express
No of Cards 1,600,000
No of Active Cards 1,100,000
% of Cardless Subscriptions 33%
No of Cardless Subscriptions 363,000
Monthly Payment/Subscriptions NGN 100.00
Income per Month from Subscriptions NGN 36,300,000.00
Income per Year from Subscriptions NGN 435,600,000.00
% of Cardless Xsactions/day 0.05%
No of Cardless Xsactions/day 800
No. Cardless Xsactions/ATM/day 2
No of Cardless Xsactions/month 24,000
No. Transactions per ATM/month 53
Fee per transaction NGN 350.00
Fee Income per month NGN 8,400,000.00
Fee Income per year NGN 100,800,000.00
TOTAL Income per year NGN 536,400,000.00
19. 19
Min. Requirements for Cash ExpressMin. Requirements for Cash Express
Postilion Realtime 4.3 SP1 Framework and SDKPostilion Realtime 4.3 SP1 Framework and SDK
LicenseLicense
MediaPlus Ver 1.6MediaPlus Ver 1.6
20. 20
Cash Express: Pricing Options ICash Express: Pricing Options I
Items Description Amount
A Systems and Licenses
1 CES 25 Server License NGN 140,000,400.00
2 CES Postillion Bridge 100 NGN 25,000,900.00
3 CES for Basis NGN 2,320,000.00
4 CES Universal NGN 36,250,000.00
B Sub-Total A NGN 203,571,300.00
C Less 35% Discount NGN 71,249,955.00
D Total Amount (B-C) NGN 132,321,345.00
E System Setup and Installation Fees NGN 13,232,134.50
F Total Amount (D+E) NGN 145,553,479.50
Monthly Transaction Fees
1 to 24,999 Xsactions/Month NGN 523,000.00
25,000 to 74,999 Xsactions/Month NGN 2,800,000.00
75,000 to 249,999 Xsactions/Month NGN 25,000,000.00
Notes:-
1 CES Server License is inclusive of Hardware
2 Implementation is within 60 days from date of payment
3 Customization will attract rates of NGN 21,000 per hour per resource
Transaction Based
21. 21
Cash Express: Pricing Options IICash Express: Pricing Options II
Items Description Amount
A Systems and Licenses
1 CES 25 Server License NGN 140,000,400.00
2 CES Postillion Bridge 100 NGN 25,000,900.00
3 CES for Basis NGN 2,320,000.00
4 CES Universal NGN 36,250,000.00
B Sub-Total Amount NGN 203,571,300.00
C System Setup and Installation Fees NGN 20,357,130.00
D Total Amount(B+C) NGN 223,928,430.00
Notes:-
1 Support and Maintenance Fees is NGN 2.9m per Month
2 CES Server License is inclusive of Hardware
3 Implementation is within 60 days from date of payment
4 Customization will attract rates of NGN 21,000 per hour per resource
Outright Purchase