One of leading banks in Myanmar, CB Bank's technical consultant ran Mobile Monday participants through the bank's plans for mobile banking in the near future.
Mobile banking allows customers to conduct banking transactions through their mobile phones. It offers conveniences like funds transfers, bill payments, and account access anywhere, anytime. Banks have adopted mobile banking to reduce infrastructure costs and provide modern services to their growing customer bases. Customers can use mobile banking through SMS, mobile applications, or phone calls to banks' customer service lines. While convenient, mobile banking also raises security and reliability concerns that banks must address.
Mobile banking allows customers to conduct financial transactions through their mobile phones. Interactive voice response (IVR) and Unstructured Supplementary Service Data (USSD) are effective technologies for educating customers on mobile banking services. IVR supports multiple languages and can be used by customers anywhere in India. USSD also provides interactive learning and is compatible with basic mobile phones. The document describes the design of IVR and USSD systems for mobile banking, including call flows, interactions, and registration processes.
This document discusses the requirements and advantages/disadvantages of internet-based payments or e-payments. The key requirements are security, integrity, authentication, being reversible, standardized, and scalable. The main advantages are that e-payments save time, are more efficient and secure, help reduce carbon footprints, and increase confidence. However, disadvantages include potential service fees, risk of theft from cybercriminals, technical problems causing outages, and difficulty in remote areas with low digital access.
Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
This document summarizes a study on mobile banking in India. It discusses how mobile banking has grown rapidly in India with over 13 million users expected to grow further. The study identifies several critical issues for mobile banking adoption related to banks, mobile devices, and telecom operators such as security, standardization, and device operability. It also outlines advantages like convenience and challenges like security risks. The conclusions recommend increasing education and awareness about mobile banking services to improve trust and usage.
Mobile money transfer (MMT) allows users to transfer money from one person to another through their mobile phones. It provides an instant, convenient and secure way to transfer funds. To use MMT, a user needs a bank account linked to their mobile number. They can then send funds to another user by entering their 10-digit phone number and 7-digit account identifier. In India, MMT is currently bank-led and requires registration with a participating bank. Major banks like HDFC, SBI and Axis have partnered with telecom companies like Vodafone, Airtel and Idea to offer mobile money services in India.
1. The document discusses branchless banking and mobile money solutions called myKyat developed for Myanmar.
2. MyKyat allows users to perform financial transactions through their mobile phones without needing a bank account, using a network of agents.
3. The myKyat platform provides various functions including sending and receiving money, bill payments, cash deposits, withdrawals and group payments. It aims to promote financial inclusion among the unbanked population.
The document discusses mobile banking services offered by various banks in Pakistan, including Standard Chartered Bank, Muslim Commercial Bank, and an overview of what mobile banking is and its importance. Standard Chartered Bank offers Breeze mobile banking, SMS banking, and alerts through their mobile app while Muslim Commercial Bank allows customers to check balances, make payments, and view statements through SMS. Mobile banking is presented as an important technology for controlling costs, providing convenience, and increasing financial inclusion in Pakistan given the large number of mobile users compared to bank account holders.
Mobile banking allows customers to conduct banking transactions through their mobile phones. It offers conveniences like funds transfers, bill payments, and account access anywhere, anytime. Banks have adopted mobile banking to reduce infrastructure costs and provide modern services to their growing customer bases. Customers can use mobile banking through SMS, mobile applications, or phone calls to banks' customer service lines. While convenient, mobile banking also raises security and reliability concerns that banks must address.
Mobile banking allows customers to conduct financial transactions through their mobile phones. Interactive voice response (IVR) and Unstructured Supplementary Service Data (USSD) are effective technologies for educating customers on mobile banking services. IVR supports multiple languages and can be used by customers anywhere in India. USSD also provides interactive learning and is compatible with basic mobile phones. The document describes the design of IVR and USSD systems for mobile banking, including call flows, interactions, and registration processes.
This document discusses the requirements and advantages/disadvantages of internet-based payments or e-payments. The key requirements are security, integrity, authentication, being reversible, standardized, and scalable. The main advantages are that e-payments save time, are more efficient and secure, help reduce carbon footprints, and increase confidence. However, disadvantages include potential service fees, risk of theft from cybercriminals, technical problems causing outages, and difficulty in remote areas with low digital access.
Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
This document summarizes a study on mobile banking in India. It discusses how mobile banking has grown rapidly in India with over 13 million users expected to grow further. The study identifies several critical issues for mobile banking adoption related to banks, mobile devices, and telecom operators such as security, standardization, and device operability. It also outlines advantages like convenience and challenges like security risks. The conclusions recommend increasing education and awareness about mobile banking services to improve trust and usage.
Mobile money transfer (MMT) allows users to transfer money from one person to another through their mobile phones. It provides an instant, convenient and secure way to transfer funds. To use MMT, a user needs a bank account linked to their mobile number. They can then send funds to another user by entering their 10-digit phone number and 7-digit account identifier. In India, MMT is currently bank-led and requires registration with a participating bank. Major banks like HDFC, SBI and Axis have partnered with telecom companies like Vodafone, Airtel and Idea to offer mobile money services in India.
1. The document discusses branchless banking and mobile money solutions called myKyat developed for Myanmar.
2. MyKyat allows users to perform financial transactions through their mobile phones without needing a bank account, using a network of agents.
3. The myKyat platform provides various functions including sending and receiving money, bill payments, cash deposits, withdrawals and group payments. It aims to promote financial inclusion among the unbanked population.
The document discusses mobile banking services offered by various banks in Pakistan, including Standard Chartered Bank, Muslim Commercial Bank, and an overview of what mobile banking is and its importance. Standard Chartered Bank offers Breeze mobile banking, SMS banking, and alerts through their mobile app while Muslim Commercial Bank allows customers to check balances, make payments, and view statements through SMS. Mobile banking is presented as an important technology for controlling costs, providing convenience, and increasing financial inclusion in Pakistan given the large number of mobile users compared to bank account holders.
Mobile banking allows customers to perform financial transactions through a mobile device application connected to their bank accounts. It provides services like balance checks, funds transfers, bill payments, and transaction alerts. Banks promote mobile banking to improve customer service and satisfaction while reducing operating costs. From the customer perspective, mobile banking offers convenience of accessing bank accounts anytime, anywhere. Security measures include encrypting transmissions, user IDs, PINs, and OTPs. While services vary between banks, most major banks in India offer basic mobile banking services for free or low fees.
This document discusses mobile banking in India. It explains that mobile banking allows people to check balances, transfer money between accounts, and make purchases online without going to a bank. It also discusses telephone banking, debit cards, and micro ATMs which are run by business correspondents to enable banking in remote areas. The document predicts that profits from mobile banking in India will reach 20 trillion rupees within 5 years as more people, especially in cities, adopt these services due to their simplicity and low costs. Banks are promoting mobile banking because it is cheaper than ATM expenses.
Mobile banking allows users to conduct financial transactions through their mobile devices. It originated in the late 1990s and early 2000s with the development of SMS banking and third generation mobile networks. Mobile banking provides benefits like convenience, mobility, and lower costs. In Bangladesh, mobile banking is popular for addressing the unbanked population and facilitating cheaper transactions. Some challenges to its growth include poor infrastructure, high costs, and legal/policy barriers.
SMS banking allows customers to receive notifications and check account balances via text message. There are two types of SMS messages: push messages sent by the bank with alerts and notifications, and pull messages initiated by customers to check balances or transactions. Axis Bank's SMS banking service provides automatic alerts for transactions and also allows customers to send SMS requests with keywords to check balances, recent transactions, cheque statuses, and demat account balances. SMS banking offers benefits like safety through transaction alerts, convenience without visiting branches or ATMs, time savings, automatic updates on payments, and accessibility from anywhere globally.
Telebanking, also known as telephone banking, allows customers to perform financial transactions over the phone without visiting a bank branch. It provides services like checking account balances, transferring funds, paying bills, and more. Telebanking uses security features like passwords, PINs, and transaction limits to protect customer accounts. It offers customers convenient access to their banking needs at any time without needing to visit in person.
It is one of my semester project presentation along with my group members, of the subject "Management Information Systems", which covers the current and future aspects of Mobile Banking System. One of our team members is Ahmad Osman Salad who worked with us in the research of making this project presentation.
1. Bank branch expansion into rural unbanked areas of India significantly reduced rural poverty by increasing deposit mobilization and credit disbursement.
2. Preliminary analysis suggests mobile money like M-Pesa has a higher transaction velocity than other monetary instruments typically held by households, especially cash.
3. In Kenya, the outstanding e-float balance held in M-Pesa accounts was over 757 million shillings in August 2008, while the average currency in circulation was only 85.2 billion shillings over the same period.
Mobile banking allows customers to conduct financial transactions through mobile devices. It began with SMS banking and later expanded to mobile web and apps. Standard Chartered Bank offers Breeze mobile banking which allows customers to check balances, transfer funds between accounts, track ATM locations, and more. Muslim Commercial Bank offers SMS banking services that enable customers to make payments, check balances, and view statements on their mobile phones. Mobile banking provides convenience for customers and has significant potential for growth in Pakistan given the large number of mobile users compared to bank account holders.
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
Telephone banking allows customers to perform financial transactions without visiting a bank branch or ATM. It reduces costs for banks by decreasing the need for in-person transactions. Customers can transfer between accounts, check balances, make payments and inquiries, and access other services by phone. Telephone banking offers convenience by providing access outside normal business hours.
The document discusses various types of banking technology including mobile banking, telephone banking, internet banking, universal banking, home/office banking, electronic banking, automated teller machines (ATMs), white label ATMs, and cash deposit machines. Mobile banking allows banking on mobile phones, telephone banking uses automated voice systems, internet banking enables online banking, and universal banks offer diverse investment and banking services. Electronic banking refers to online transactions without a physical bank link. ATMs and white label ATMs (run by non-banks) allow account access via cards while cash deposit machines permit cash deposits without visiting a branch.
This document discusses how mobile banking is improving Bangladesh's national economy. It defines mobile banking as conducting financial transactions through a mobile device. Mobile banking was first introduced in Europe in 1999 and Bangladesh in 2011. It allows customers to access services like funds transfer, bill payment, and check balances. Mobile banking has grown significantly in Bangladesh, with over 23 million active users conducting billions of dollars in transactions annually. This growth is due to factors like high mobile penetration and limited traditional banking access. The document argues that further developing mobile banking products and addressing security concerns could help drive financial inclusion and economic development in Bangladesh.
Mobile Payments in India - Operative Guidelines for BanksDev Khare
The document provides draft operating guidelines for mobile payments in India issued by the Reserve Bank of India. It outlines key regulatory and supervisory issues for banks offering mobile payment services, including customer registration requirements, technology and security standards, interoperability, clearing and settlement processes, and customer grievance redressal mechanisms. The guidelines are intended to help establish a framework for mobile payments in India while ensuring appropriate risk controls and consumer protections are in place.
The document discusses trends in mobile banking and financial applications. It describes how banks are developing their own mobile apps in response to growing iPhone banking usage. Customers want apps that provide features like bill pay, expense tracking, and money transfer beyond just mobile websites. Third party apps are fulfilling some of these needs. The document recommends banks provide inclusive information across channels and consider social media, promotions, peer-to-peer payments, NFC technologies, and mobile check deposit features.
1) The RBI guidelines allow 44 banks to offer mobile banking services in India and were first issued in 2008 to regulate mobile banking transactions.
2) Banks can offer mobile banking services via SMS, USSD, or mobile apps after obtaining permission from RBI. Services must follow KYC/AML guidelines and banks must report suspicious transactions.
3) The guidelines outline technology and security standards for mobile banking including encryption, firewalls, and user authentication through mPIN or higher authentication. Customer protection issues are also addressed.
The document discusses various banking technologies used in modern banking operations, including automated teller machines (ATMs), core banking solutions, internet banking, mobile banking, telephone banking, electronic funds transfer systems, cheque truncation systems, and wide area networks. Key technologies covered include magnetic ink character recognition, optical character recognition, personal identification numbers, debit cards, credit cards, and electronic payment systems.
This document summarizes a study on factors influencing the adoption of mobile banking in Singapore. The researchers conducted a survey using an 18 question Likert scale questionnaire to collect data from 165 respondents. They analyzed the data to understand the impact of factors like perceived usefulness, ease of use, credibility, self-efficacy and cost on consumers' intention to adopt mobile banking. The analysis provided implications for both adopters and non-adopters of mobile banking. Limitations of the study and scope for future research were also noted.
This presentation discusses mobile technology and mobile banking in Bangladesh. It is presented by 5 members and begins with defining mobile devices and their types, including smartphones, e-readers, and tablets. It then analyzes the strengths, weaknesses, opportunities, and threats of mobile learning. Statistics on mobile technology are also provided. The presentation focuses on mobile banking in Bangladesh, providing an overview and SWOT analysis. It outlines the current mobile banking services and upcoming services in Bangladesh and discusses the objectives of mobile banking.
The document discusses digital payment systems and their security requirements. It outlines different digital payment models including prepaid cash-like systems and pay-now versus pay-later systems. The key security requirements for digital payments are integrity, privacy, and confidentiality. Both online and offline payment systems are discussed and compared, with the conclusion being that online payment systems provide advantages in terms of speed and accessibility. Secure digital payment technology already exists but must ensure security for all parties.
Mobile Monday (July 2014) - ZawGyi Mart - E-Commerce in MyanmarMobile Monday Yangon
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow and levels of neurotransmitters and endorphins which elevate and stabilize mood.
Mobile and Electronic Payments Conference 2012 MyanmarBrad Jones
Visa hosted a mobile money conference in the capital of Myanmar, Naypyidaw in December 2012. Over 200 government, industry and development representatives attended. #mobilemoney #digital #fintech #Myanmar #financialservices #mobile
Mobile banking allows customers to perform financial transactions through a mobile device application connected to their bank accounts. It provides services like balance checks, funds transfers, bill payments, and transaction alerts. Banks promote mobile banking to improve customer service and satisfaction while reducing operating costs. From the customer perspective, mobile banking offers convenience of accessing bank accounts anytime, anywhere. Security measures include encrypting transmissions, user IDs, PINs, and OTPs. While services vary between banks, most major banks in India offer basic mobile banking services for free or low fees.
This document discusses mobile banking in India. It explains that mobile banking allows people to check balances, transfer money between accounts, and make purchases online without going to a bank. It also discusses telephone banking, debit cards, and micro ATMs which are run by business correspondents to enable banking in remote areas. The document predicts that profits from mobile banking in India will reach 20 trillion rupees within 5 years as more people, especially in cities, adopt these services due to their simplicity and low costs. Banks are promoting mobile banking because it is cheaper than ATM expenses.
Mobile banking allows users to conduct financial transactions through their mobile devices. It originated in the late 1990s and early 2000s with the development of SMS banking and third generation mobile networks. Mobile banking provides benefits like convenience, mobility, and lower costs. In Bangladesh, mobile banking is popular for addressing the unbanked population and facilitating cheaper transactions. Some challenges to its growth include poor infrastructure, high costs, and legal/policy barriers.
SMS banking allows customers to receive notifications and check account balances via text message. There are two types of SMS messages: push messages sent by the bank with alerts and notifications, and pull messages initiated by customers to check balances or transactions. Axis Bank's SMS banking service provides automatic alerts for transactions and also allows customers to send SMS requests with keywords to check balances, recent transactions, cheque statuses, and demat account balances. SMS banking offers benefits like safety through transaction alerts, convenience without visiting branches or ATMs, time savings, automatic updates on payments, and accessibility from anywhere globally.
Telebanking, also known as telephone banking, allows customers to perform financial transactions over the phone without visiting a bank branch. It provides services like checking account balances, transferring funds, paying bills, and more. Telebanking uses security features like passwords, PINs, and transaction limits to protect customer accounts. It offers customers convenient access to their banking needs at any time without needing to visit in person.
It is one of my semester project presentation along with my group members, of the subject "Management Information Systems", which covers the current and future aspects of Mobile Banking System. One of our team members is Ahmad Osman Salad who worked with us in the research of making this project presentation.
1. Bank branch expansion into rural unbanked areas of India significantly reduced rural poverty by increasing deposit mobilization and credit disbursement.
2. Preliminary analysis suggests mobile money like M-Pesa has a higher transaction velocity than other monetary instruments typically held by households, especially cash.
3. In Kenya, the outstanding e-float balance held in M-Pesa accounts was over 757 million shillings in August 2008, while the average currency in circulation was only 85.2 billion shillings over the same period.
Mobile banking allows customers to conduct financial transactions through mobile devices. It began with SMS banking and later expanded to mobile web and apps. Standard Chartered Bank offers Breeze mobile banking which allows customers to check balances, transfer funds between accounts, track ATM locations, and more. Muslim Commercial Bank offers SMS banking services that enable customers to make payments, check balances, and view statements on their mobile phones. Mobile banking provides convenience for customers and has significant potential for growth in Pakistan given the large number of mobile users compared to bank account holders.
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
Telephone banking allows customers to perform financial transactions without visiting a bank branch or ATM. It reduces costs for banks by decreasing the need for in-person transactions. Customers can transfer between accounts, check balances, make payments and inquiries, and access other services by phone. Telephone banking offers convenience by providing access outside normal business hours.
The document discusses various types of banking technology including mobile banking, telephone banking, internet banking, universal banking, home/office banking, electronic banking, automated teller machines (ATMs), white label ATMs, and cash deposit machines. Mobile banking allows banking on mobile phones, telephone banking uses automated voice systems, internet banking enables online banking, and universal banks offer diverse investment and banking services. Electronic banking refers to online transactions without a physical bank link. ATMs and white label ATMs (run by non-banks) allow account access via cards while cash deposit machines permit cash deposits without visiting a branch.
This document discusses how mobile banking is improving Bangladesh's national economy. It defines mobile banking as conducting financial transactions through a mobile device. Mobile banking was first introduced in Europe in 1999 and Bangladesh in 2011. It allows customers to access services like funds transfer, bill payment, and check balances. Mobile banking has grown significantly in Bangladesh, with over 23 million active users conducting billions of dollars in transactions annually. This growth is due to factors like high mobile penetration and limited traditional banking access. The document argues that further developing mobile banking products and addressing security concerns could help drive financial inclusion and economic development in Bangladesh.
Mobile Payments in India - Operative Guidelines for BanksDev Khare
The document provides draft operating guidelines for mobile payments in India issued by the Reserve Bank of India. It outlines key regulatory and supervisory issues for banks offering mobile payment services, including customer registration requirements, technology and security standards, interoperability, clearing and settlement processes, and customer grievance redressal mechanisms. The guidelines are intended to help establish a framework for mobile payments in India while ensuring appropriate risk controls and consumer protections are in place.
The document discusses trends in mobile banking and financial applications. It describes how banks are developing their own mobile apps in response to growing iPhone banking usage. Customers want apps that provide features like bill pay, expense tracking, and money transfer beyond just mobile websites. Third party apps are fulfilling some of these needs. The document recommends banks provide inclusive information across channels and consider social media, promotions, peer-to-peer payments, NFC technologies, and mobile check deposit features.
1) The RBI guidelines allow 44 banks to offer mobile banking services in India and were first issued in 2008 to regulate mobile banking transactions.
2) Banks can offer mobile banking services via SMS, USSD, or mobile apps after obtaining permission from RBI. Services must follow KYC/AML guidelines and banks must report suspicious transactions.
3) The guidelines outline technology and security standards for mobile banking including encryption, firewalls, and user authentication through mPIN or higher authentication. Customer protection issues are also addressed.
The document discusses various banking technologies used in modern banking operations, including automated teller machines (ATMs), core banking solutions, internet banking, mobile banking, telephone banking, electronic funds transfer systems, cheque truncation systems, and wide area networks. Key technologies covered include magnetic ink character recognition, optical character recognition, personal identification numbers, debit cards, credit cards, and electronic payment systems.
This document summarizes a study on factors influencing the adoption of mobile banking in Singapore. The researchers conducted a survey using an 18 question Likert scale questionnaire to collect data from 165 respondents. They analyzed the data to understand the impact of factors like perceived usefulness, ease of use, credibility, self-efficacy and cost on consumers' intention to adopt mobile banking. The analysis provided implications for both adopters and non-adopters of mobile banking. Limitations of the study and scope for future research were also noted.
This presentation discusses mobile technology and mobile banking in Bangladesh. It is presented by 5 members and begins with defining mobile devices and their types, including smartphones, e-readers, and tablets. It then analyzes the strengths, weaknesses, opportunities, and threats of mobile learning. Statistics on mobile technology are also provided. The presentation focuses on mobile banking in Bangladesh, providing an overview and SWOT analysis. It outlines the current mobile banking services and upcoming services in Bangladesh and discusses the objectives of mobile banking.
The document discusses digital payment systems and their security requirements. It outlines different digital payment models including prepaid cash-like systems and pay-now versus pay-later systems. The key security requirements for digital payments are integrity, privacy, and confidentiality. Both online and offline payment systems are discussed and compared, with the conclusion being that online payment systems provide advantages in terms of speed and accessibility. Secure digital payment technology already exists but must ensure security for all parties.
Mobile Monday (July 2014) - ZawGyi Mart - E-Commerce in MyanmarMobile Monday Yangon
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow and levels of neurotransmitters and endorphins which elevate and stabilize mood.
Mobile and Electronic Payments Conference 2012 MyanmarBrad Jones
Visa hosted a mobile money conference in the capital of Myanmar, Naypyidaw in December 2012. Over 200 government, industry and development representatives attended. #mobilemoney #digital #fintech #Myanmar #financialservices #mobile
Foreign businesses began their journey in Myanmar in 2011 when the country opened up to the outside world. Since then, the landscape has presented an unpredictable but exciting opportunity for marketers.
Mcommerce opportunity in bangladesh (mobile banking, next big thing)Mir Faisal
Mobile banking has grown significantly in Bangladesh, with over 16.7 million users, though this only represents about 14% of the country's telecom subscribers. The large mobile penetration rate creates an opportunity for mobile banking to become a major financial channel. While most mobile banking currently involves cash deposits and withdrawals, there is potential to introduce new product offerings. Regulations require the bank-led model and give banks responsibility over customer onboarding and agent oversight. The central bank has approved various mobile banking services like bill payments, P2P transfers, and government disbursements to help the sector grow.
The document summarizes the writer's experiences practicing various charms over 5 weeks. Some key findings include:
- The Hover Charm requires touching the object, while the Levitation Charm allows free movement.
- Repairing magical objects with the Mending Charm removes their magic.
- More complex locks are harder to unlock with Alohomora.
- The Fire-Making Charm initially produces smoke but improves with practice.
- Heavier objects rise less with the Locomotion Charm.
- The Severing Charm is stronger than expected and requires care.
Boom Narrative - Preston Teeter - Cracking the Enigma of Asset Bubbles with N...Preston B Teeter
This speech was given at the 2014 Australian and New Zealand Academy of Management Conference in Sydney, Australia.
In this presentation, we first explain how a variety of fields have failed to explain, predict, and prevent large-scale asset bubbles. While many have placed most of the blame for this failure on mainstream economists, we argue that our collective failure to recognize and examine the role that narratives play in market speculation is at the root of this issue.
Accordingly, in this speech, we identify why narratives and narrative thought play such an influential role in market speculation. First, asset bubbles typically arise during periods of heightened uncertainty, such as after periods of profound innovation or the creation of new markets. Uncertainty requires investors to rely on narratives, our preferred sense-making currency. Second, asset bubbles also tend to arise during euphoric periods of easy credit and loose regulations, conditions that attract a surge in retail investors and copycat organizations. These players rely on narratives as a form of sense-giving, as consumers of narratives, to make investment decisions. Lastly, in today's international and high-speed investment environment, narratives play a large role in attracting our attention, thus limiting our investment options and guiding quick decision making.
Moving forward, we identify two broad areas of narrative research. First, research is needed on the origins of narratives during speculative bouts. This requires research into the descriptive features of these narratives, along with their deeper structural components. Second, research is needed on the spread of narratives, including their institutional features.
A 19-year-old university student presents with severe headache, vomiting and photophobia. On examination he has a fever and is unable to touch his chin to his knees. Tests and investigations are planned including a lumbar puncture and CSF analysis to diagnose suspected meningitis. Treatment including cefotaxime, dexamethasone, aciclovir, and enoxaparin is prescribed.
This document is a catalogue from 2009 from Eurovet & Dentalgroup SRL, an Italian company located in Montebelluna, Italy. It contains descriptions and item codes for over 70 dental cabinets, service units, hanging units, and plastic inserts. The document provides specifications for mobile cabinets with doors, drawers, and sinks in various configurations, as well as corner cabinets, worktops, sterilization systems, garages, and more.
View this presentation and get yourself updated with some important and trendy web designing tips provided by MAP Systems, one of the renowned companies offering high quality graphic designing and web development solutions.
http://mapsystemsindia.com/digital-graphics-services/web-designing.html
This document describes a side-scrolling game project developed by students Sidharth Sharma and Nikhil Ansal at Jaypee Institute of Information Technology. The objective was to develop a Flappy Bird-style game from scratch to learn about human-computer interaction principles and game design. The proposed game uses Unity3D and C# to incorporate a physics engine governing in-game objects and characters. It was tested through various methods to ensure quality, functionality, and reliability.
This document advertises opportunities for student entrepreneurs at Penn State through Innoblue, including an accelerator program accepting applications now that provides weekly work sessions and resources to turn ideas into businesses, an upcoming HackPSU hackathon event planned for this spring that will involve building teams and is expected to involve over 250 students, and a call for students to share what they want to accomplish by the end of the year.
Data halo presentation from NHS Citizen Bristol Design WorkshopNHSCitizen
The document discusses the concept of a "data halo" in the NHS Citizen project. It explains that there are three types of data in NHS Citizen: data created within the system, data citizens create elsewhere, and related data from external sources. The data halo refers to this third type of externally sourced related data. It provides some examples of potential related data sources, such as health benchmarking data and social media content. The document aims to help understand how this external or "halo" data fits into the NHS Citizen design and could provide additional context about citizens.
The document provides a strategic comparison of mobile banking features and capabilities across 10 major banks worldwide. It analyzes each bank's registration process, onboarding time, mobile features, payment options, security measures, device compatibility, and opportunities for improvement. For each bank, the document outlines the key mobile banking URL, eligibility, features, security, apps used, and what makes them unique as well as areas to strengthen their mobile offering.
The document discusses various electronic banking services available to customers. It begins by defining electronic banking as using electronic devices and the internet to modernize and speed up banking operations. Some key benefits of electronic banking mentioned include faster and more convenient transactions, easier account opening, and increased customer satisfaction. However, some risks are also noted, such as lack of customer computer skills and increased security risks of fraud. The document then goes on to describe various electronic banking services in detail, such as internet banking, mobile banking, debit/credit cards, ATMs, EFT systems, MICR technology, RTGS, and demat accounts.
The document discusses internet banking and its benefits. It provides an overview of the types of e-banking available based on access levels granted, from general information online to full transactional capabilities. It outlines the key services available through internet banking like account details, funds transfer, recharges, demand draft and cheque book requests. The document also discusses security measures like registration processes, password management and two-factor authentication.
Mobile banking allows users to perform banking transactions through their mobile devices. It has grown significantly in India due to high mobile penetration. Mobile banking can be done through SMS, USSD codes like *99#, or mobile applications. Services include account information access, funds transfer, bill payments, and more. IMPS (Immediate Payment Service) enables real-time interbank fund transfers on mobile and other channels. It aims to facilitate electronic retail payments in India. Risks involve threats from malware, and banks employ various measures to manage risks in mobile banking.
As Fintech companies have flooded the scene and disrupted the financial industry, traditional banks have had to innovate in order to stay ahead of the pack. We bring to you the latest terms and innovations of the Banking Sector, through this presentation. Hope you find it useful.
Mobile banking and tele-banking allow customers to conduct financial transactions remotely using mobile devices or over the telephone. Mobile banking services include checking balances, transferring funds between accounts, and paying bills. It works through SMS messaging, mobile web, or dedicated applications. Tele-banking enables financial transactions like obtaining account information and transferring funds over the phone without visiting a branch. Both provide convenience but come with security risks if devices or login credentials are compromised.
This document provides information about mobile banking services in India. It discusses how mobile banking allows customers to access and manage their bank accounts through a mobile application. The document outlines several typical mobile banking services including balance inquiries, fund transfers, bill payments, and ATM location services. It also discusses the advantages of mobile banking for both customers and banks, including increased convenience and reduced costs. Security measures for mobile banking transactions are also described, such as encryption, user IDs, pins, and OTPs. The registration process for State Bank of India's mobile banking app is explained in detail over multiple steps. Overall mobile banking usage in India has grown significantly in recent years.
Online banking – Meaning and Functions. Online transaction and insurance services – its nature and procedure.Online income tax services – its payment and online utility payment services.
The document discusses e-banking, including its introduction, meaning, functions, types, advantages, and limitations. E-banking refers to electronic banking where financial services are provided to customers via the internet. It allows customers to perform transactions remotely like checking account balances, transferring funds between accounts, paying bills online, and investing. The main advantages mentioned are convenience, time savings, ability to access accounts 24/7 from anywhere, and integration with ERP systems.
E banking, internet banking and all servicesJomy Mathew
Computers are widely used in banks to help staff operate more efficiently and effectively. They track transactions, process customer information, and allow banks to offer good customer service daily. Key computer applications used in banks include automated teller machines (ATMs), cash deposit machines, mobile banking, internet banking, and core banking systems. These applications provide customers with convenient access to their accounts and allow banks to save time and costs.
Electronic banking systems allow customers to access banking services electronically rather than through traditional paper-based methods. The document defines electronic banking and electronic funds transfer, and identifies the key types of electronic banking systems including non-customer activated systems like SWIFT used between financial institutions, and customer activated systems like ATMs, EFTPOS, credit/debit cards, home banking, mobile banking, and internet banking. It discusses functions of these systems like cash withdrawals, deposits, transfers, and bill payments. The document emphasizes issues like security, secrecy and banks' reliance on IT services for electronic banking.
The document summarizes various banking innovations including new technologies like e-banking, debit/credit cards, internet banking, ATMs, and electronic fund transfers. It discusses these innovations and how they have modernized banking by allowing customers to perform transactions remotely without visiting a branch in person. Traditional banking is compared to e-banking and various electronic delivery channels like ATMs, smart cards, telephone banking, and internet banking are explained.
Online banking allows customers to conduct financial transactions through a financial institution's website rather than visiting a brick-and-mortar location. It provides convenience through its 24/7 accessibility from anywhere with an internet connection. While offering mobility and efficiency, online banking also presents some security and accessibility concerns if the internet is unavailable. Financial institutions implement various security controls like authentication, non-repudiation, and privacy policies to protect customers' information and transactions conducted online.
Online banking allows customers to conduct financial transactions through a bank's website rather than visiting a brick-and-mortar location. It began in the 1980s when major US banks offered basic services like viewing account balances via video text systems. In India, ICICI bank was the first to offer online banking starting in 1996. Online banking provides both informational services like viewing statements as well as transactional services like funds transfers and bill payments. While convenient, online banking also presents security and accessibility risks if the internet is unavailable.
This document outlines India's objectives for promoting a cashless economy through digital payments. It discusses establishing digital payment frameworks, educating citizens and merchants, and the short and long term benefits. The roadmap involves awareness campaigns using common service centers, issuing cards and machines, discounts for digital payments, and reducing transaction fees. Implementation will be led by NIC teams promoting adoption among IT professionals. The document also provides information on various digital payment options like cards, UPI, USSD, Aadhaar Pay, wallets and IMPS.
The document discusses various electronic payment systems in India such as internet banking, NEFT, RTGS, ECS, IMPS, banking cards, USSD and AEPS. It provides details on how to activate and use these payment methods, transaction costs and limits, and services offered. Key points covered are that NEFT and RTGS facilitate funds transfer between bank accounts, while ECS, IMPS and USSD allow for utility payments, instant bank transfers using mobile phones, and basic mobile banking respectively.
NIB bank provides banking services through 179 branches across Pakistan. It is one of the fastest growing banks in the country with over 450,000 customers. The document outlines NIB's mission, vision, and various banking products and services they offer including savings accounts, loans, bill payments, ATM services, phone banking, online banking and more. It also provides details on specific products like gold premier accounts, term deposits, direct payments, car loans, life insurance plans and cash withdrawal insurance.
Similar to Mobile Monday (May 2014) - CB Bank - Mobile Banking (20)
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
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.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
2. 4 Developing microfinance and people in rural
1 Payment service is developing in Myanmar
3 Providing bank services to rural region of Myanmar
2 Faster transactions is required in developing economic
Why CB Bank implement Mobile
Banking?
7. Mobile Banking Services Channels
SMS - SMS alert and SMS commands
USSD - Use USSD (eg: *133#), then customer
will get the menu to access banking service
Mobile Browser/WAP - Use web browser on mobile
Application - Download application from the Market
(iPhone, Android, Windows Phone7, JAVA)
*USSD
-‐
Unstructured
Supplementary
Service
Data
8. CB Bank Mobile banking Advantages
• Almost Mobile Phone Handset can use CB Mobile
• Easy to use, menu based program
• Transmitted data are secured
• Customer can chose English or Burmese
• More and more services are being developed
9. Mobile Banking Evolution
Mobile
Banking
InformaDonal
Mobile
Banking
TransacDonal
Mobile
Banking
Account
Balances
TransacDon
History
Alerts
LBS
Mobile
Payments
Funds
Transfer
Cheques
Remote
data
capture
Remote
teller
• Mobile Wallet
• P2P payments
- Banked & unbanked
Money transfers
• C2B payments
- Retail payments
• Acquire new customers
- Upload customer ID
- Photo upload
- KYC
• Remote chq deposit
• Pay in/Pay out
• Loan disbursement
• Collections
• Acquire customers
• Sell products
- Deposits,
- Fast loans
10. CB Bank Mobile banking functions
1 Exchange Rate
- Enquiry the updated currency rates in CB Bank
2 Future Dated Transaction
- CB Bank allows customer to do transaction in future date, this menu to inquiry upcoming transactions
3 Fund Transfer Own Account
- Transfer between customer’s own accounts
+ Transaction date can be current date or future date
+ Transfer between current, saving, ATM accounts
4 Beneficiary Registration
- Register beneficiary for funds transfer, standing order
11. 5 Beneficiary Deletion
- Delete registered beneficiary
6 Funds Transfer to Other (Beneficiary Payment)
- Transfer to other CB Bank customer’s account (current, saving, ATM)
7 Standing Order
- Enquiry all standing orders
8 Standing Order Registration
- Customer to input standing order, then the system will make transaction frequently
9 Visa/Master card top-up
- Customer can top-up CB’s Visa/Master card from current/saving accounts
CB Bank Mobile banking functions
12. 10 Payment Stop
- When any cheque was lost/stolen, customer can use this menu to stop payment on it
11 Cheque Status
- Enquiry cheque status
12 Cheque Book Request
- Customer send request to the bank for cheque issuing for his current account.
CB Bank Mobile banking functions
13. 1 CB Bank is using TEMENOS T24 Core Banking System which is famous Core banking in the
world, it helps CB Bank to provide valued and secured service to customer
2 T24 Core Banking System is Online Centralized System, so customer can retrieve their information
or make transaction easily anytime.
3 Every transmitted information between Mobile User and CB Bank System are encrypted and
secured by Firewall Security, Activation Key, Authorization Key, PIN and OTP (One Time
Password)
4 When customer active the service on their phone, then other handset cannot be active with the
same information
Security
14. 5 Any time transaction done, customer will receive alert message
6 Customer have to login by PIN number for using
7 If customer lost the phone, they can call to the bank to block their channel
Security
17. 1 When customer’s Card was lost/stolen, they can stop card service by Mobile
2 Mobile top-up
3 Manage insurance contract
4 Buy Cinema/Air ticket
5 Payment at supermarket
6 Agent cash withdraw
7 Agent cash deposit
Mobile Banking coming services