Mobile Payments and Mobile Commerce
# Market overview
# Competitive landscape
# Region analysis
# Value chain
As of September 2012
Sources: Gartner, Euromonitor, Mashable, Arthur D. Little, mobilepaymentstoday.com, Sapient Nitro, internetretailer.com, deltapartnersgroup.com, paymentobserver.com
Optimum ventures - Bevo Agro - Take Private ProposalBen Cappellacci
This is a preliminary round presentation deck for the UBC Finance Club Pacific Venture Capital Competition. It was created by Ben Cappellacci, Chris Fenn, Raena Kai and Scott Redwood.
Against the Odds: Lessons from the Recovery in the BalticsLatvijas Banka
Presentation by Gabriele Giudice (European Commission, DG ECFIN) at International Conference: "Against the Odds: Lessons from the Recovery in the Baltics" organized by the International Monetary Fund and the Bank of Latvia.
Riga, June 5, 2012
A sharp rise in outbound M&A activities was spurred by a loosening of government regulations regarding outbound transactions. Meanwhile, inbound M&A has seen a healthy and steady rise throughout the year in terms of transaction value.
www.smithstreetsolutions.com
An nfpSynergy presentation on how advice charities are affected by the recession, and how they can combat the effects of the credit crunch. Includes data on how the recession is affecting charity income.
Mobile Payments and Mobile Commerce
# Market overview
# Competitive landscape
# Region analysis
# Value chain
As of September 2012
Sources: Gartner, Euromonitor, Mashable, Arthur D. Little, mobilepaymentstoday.com, Sapient Nitro, internetretailer.com, deltapartnersgroup.com, paymentobserver.com
Optimum ventures - Bevo Agro - Take Private ProposalBen Cappellacci
This is a preliminary round presentation deck for the UBC Finance Club Pacific Venture Capital Competition. It was created by Ben Cappellacci, Chris Fenn, Raena Kai and Scott Redwood.
Against the Odds: Lessons from the Recovery in the BalticsLatvijas Banka
Presentation by Gabriele Giudice (European Commission, DG ECFIN) at International Conference: "Against the Odds: Lessons from the Recovery in the Baltics" organized by the International Monetary Fund and the Bank of Latvia.
Riga, June 5, 2012
A sharp rise in outbound M&A activities was spurred by a loosening of government regulations regarding outbound transactions. Meanwhile, inbound M&A has seen a healthy and steady rise throughout the year in terms of transaction value.
www.smithstreetsolutions.com
An nfpSynergy presentation on how advice charities are affected by the recession, and how they can combat the effects of the credit crunch. Includes data on how the recession is affecting charity income.
CapitalHeight Financial Services is a leading Stock Advisory Company, having a strong hold in providing most authentic and accurate Equity Tips as well as Commodity Tips.
We are a team of highly qualified and experienced analysts, who deliver their expertise in providing stock market calls for traders which include tips like Stock Tips, Commodity Tips, MCX Tips, Equity Tips and Intraday Tips. All services are provided through SMS and Instant Messenger.
Our research is based around these services:
• Stock Tips
• Commodity Tips
• Equity Tips
• Intraday Tips
• NCDEX Tips
For 2 Days Free Trial, please visit our site at http://www.capitalheight.com or please call our 24/7 Customer Care Support us at +91 9993066624, 0731 - 4295 - 950
Or email us at: contact@capitalheight.com
Presentation, Economic Outlook for 2013 and Beyond, presented by Michael Brown, Wells Fargo Securities, presented at Winter 2012 NCLGBA Conference, 12/7/12
CapitalHeight Financial Services is a leading Stock Advisory Company, having a strong hold in providing most authentic and accurate Equity Tips as well as Commodity Tips.
We are a team of highly qualified and experienced analysts, who deliver their expertise in providing stock market calls for traders which include tips like Stock Tips, Commodity Tips, MCX Tips, Equity Tips and Intraday Tips. All services are provided through SMS and Instant Messenger.
Our research is based around these services :
• Stock Tips
• Commodity Tips
• Equity Tips
• Intraday Tips
• NCDEX Tips
CapitalHeight always aim at providing services in accordance with the comfort levels of all traders and investors in stock market ranging from small investors to HNI’s, who trade in vast domain of share market such as Intraday, Index Trading (NIFTY & BANK NIFTY ), Equity Market, F&O, MCX, NCDEX.
For stock tips, mcx tips, commodity tips and equity tips, please visit our site at http://www.capitalheight.com or please call our 24/7 Customer Care Support us at +91 9993066624, 0731 - 4295 - 950
Or email us at: contact@capitalheight.com
Taken from the CBI's report "Tax and British Business: Making the case". These graphics illustrate the contribution UK businesses make to the British economy
CapitalHeight Financial Services is a leading Stock Advisory Company, having a strong hold in providing most authentic and accurate Equity Tips as well as Commodity Tips.
We are a team of highly qualified and experienced analysts, who deliver their expertise in providing stock market calls for traders which include tips like Stock Tips, Commodity Tips, MCX Tips, Equity Tips and Intraday Tips. All services are provided through SMS and Instant Messenger.
Our research is based around these services:
• Stock Tips
• Commodity Tips
• Equity Tips
• Intraday Tips
• NCDEX Tips
For 2 Days Free Trial, please visit our site at http://www.capitalheight.com or please call our 24/7 Customer Care Support us at +91 9993066624, 0731 - 4295 - 950
Or email us at: contact@capitalheight.com
Presentation, Economic Outlook for 2013 and Beyond, presented by Michael Brown, Wells Fargo Securities, presented at Winter 2012 NCLGBA Conference, 12/7/12
CapitalHeight Financial Services is a leading Stock Advisory Company, having a strong hold in providing most authentic and accurate Equity Tips as well as Commodity Tips.
We are a team of highly qualified and experienced analysts, who deliver their expertise in providing stock market calls for traders which include tips like Stock Tips, Commodity Tips, MCX Tips, Equity Tips and Intraday Tips. All services are provided through SMS and Instant Messenger.
Our research is based around these services :
• Stock Tips
• Commodity Tips
• Equity Tips
• Intraday Tips
• NCDEX Tips
CapitalHeight always aim at providing services in accordance with the comfort levels of all traders and investors in stock market ranging from small investors to HNI’s, who trade in vast domain of share market such as Intraday, Index Trading (NIFTY & BANK NIFTY ), Equity Market, F&O, MCX, NCDEX.
For stock tips, mcx tips, commodity tips and equity tips, please visit our site at http://www.capitalheight.com or please call our 24/7 Customer Care Support us at +91 9993066624, 0731 - 4295 - 950
Or email us at: contact@capitalheight.com
Taken from the CBI's report "Tax and British Business: Making the case". These graphics illustrate the contribution UK businesses make to the British economy
You are viewing presentations from conferences that I have attended. Please enjoy & if we can help you with any logistics projects in the Americas please contact me at 678.364.3475
Bill was also on the Board of Directors for the St.Vincent DePaul Foodbank in Roseville California helping with the fund raising and meals to the poor program. While based in Northern California he was successful in fund raising programs for the Crusade of Mercy and helped Father Dan Madigan at the Sacramento Food Bank also. For 2008, Bill is a member of the Board for WORKTEC on also an Advisory Board Member for Boys and Girls Club for Metro Atlanta-Clayton County Chapter. See www.worktec.biz or www.bgcma.org . Bill is also on the Board of Directors for the Southeastern Warehouse Association & represents Georgia for 2010-2012.
Regards,
Bill Stankiewicz
Vice President and General Manager
Shippers Warehouse
Email: williams@shipperswarehouse.com
www.shipperswarehousega.com
http://www.linkedin.com/in/billstankiewicz2006
http://twitter.com/BillStankiewicz
http://www.topexecutivesnet.com/index.aspx
In a lecture at the London School of Economics, Carolyn Fairbairn, CBI Director-General, and Rain Newton-Smith, CBI Chief Economist, argue that uncertainty is biting on our economy and our firms. The complexities of 21st century trade and the prospect of serious disruption from a ‘no deal’ outcome means businesses are changing plans and slowing investment now. The lecture can be viewed here - https://www.youtube.com/watch?v=Zy6fz0tPcbg
The CBI/KPMG infrastructure survey, conducted in June and July 2012, provides a business-wide assessment of the state of the UK’s economic infrastructure networks. The survey underlines the critical role that infrastructure plays in making the UK an attractive place to do business and in helping firms to take advantage of growth opportunities both here and abroad.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
Buy Verified PayPal Account
Looking to buy verified PayPal accounts? Discover 7 expert tips for safely purchasing a verified PayPal account in 2024. Ensure security and reliability for your transactions.
PayPal Services Features-
🟢 Email Access
🟢 Bank Added
🟢 Card Verified
🟢 Full SSN Provided
🟢 Phone Number Access
🟢 Driving License Copy
🟢 Fasted Delivery
Client Satisfaction is Our First priority. Our services is very appropriate to buy. We assume that the first-rate way to purchase our offerings is to order on the website. If you have any worry in our cooperation usually You can order us on Skype or Telegram.
24/7 Hours Reply/Please Contact
usawebmarketEmail: support@usawebmarket.com
Skype: usawebmarket
Telegram: @usawebmarket
WhatsApp: +1(218) 203-5951
USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
2. A divergent and uncertain global recovery
World Trade Volume
• 2011 Growth pause % 3m/3m Growth (lhs) Level (rhs) 2000=100
• Commodity prices, supply chain 6% 180
disruptions, China slowdown 170
1%
160
• The outlook for 2012-13 -4% 150
• 1-2-6 world
140
• Critically dependent on avoiding big risks -9%
130
-14% 120
2008
2009
2010
2011
Advanced economy growth rates HWWI Commodity Price Indices ($)
% yr/yr All Commodities Excl. Energy
% q/q (real)
US Eurozone Japan
2.0 80%
1.5
60%
1.0
0.5 40%
0.0
20%
-0.5
-1.0 0%
-1.5
-20%
-2.0
Q1-10 Q2 Q3 Q4 Q1-11 Q2 Q3 Q4 Q1-12
Q1 2012 outturn data only available for the
US
3. Risks: oil and commodity prices
$ per barrel
Oil prices
130
125
● Pressure on oil prices: supply concerns arising 120
from political instability in MENA, embargo on 115
110
Iran, disruptions in South Sudan; risk premium 105
around $20pb 100
95
● Market fundamentals tight: some scope for 90
85
Saudi supply replacement 80
● Medium-term trend in prices is firm: strong
EME demand, alongside constrained supply
2007=100
Non-oil commodity prices
● Record sterling and euro prices: close to 250
Food Metals Non-food argiculturals
historical tipping point for economic activity?
200
150
100
50
0
2
2
2
2
2
2
4. Risks: How will the Euro crisis play out?
Periphery Maturing Debt
• The ECB has bought time €bn
60 Greece Portugal Ireland Spain Italy
• ECB LTRO: “lender of last Source: Goldman Sachs
50
resort”, reduced some market
risks 40
• But governments must deliver a 30
systemic solution to the 20
underlying causes of the crisis 10
• New & rigorous fiscal architecture 0
• Bank recapitalisation Jan Feb Mar Apr May
• Joint debt responsibility EBA: Aggregate Capital Shortfalls
Greece*
• Supply side reform Spain
• Competitiveness imbalances Italy
Germany
• Short to medium-term growth France
package Portugal
Belgium
• 2012 a testing time Austria
Cyprus
• Sovereign debt rollovers; bank Slovakia
refinancing Netherla…
• Difficult political climate 0 5 10 15 20 25 30
Source: European Banking Authority * Greek recap needs based on EU/IMF requirements that exceed EBA standards €bn
5. Risks: policy error/political shifts
Elections and other political
tensions could easily lead to
policy error
• French elections (May)
• US elections (November)
• UK coalition tensions (growing)
• Middle East (volatile)
• Rogue states (unpredictable)
6. Global outlook 2012-13
2012-2013: Global growth prospects
looking up – but dependent on Eurozone World GDP Growth
outcomes 2011 2012 2013
World 3.8 3.3 4.1
• Modest recovery in advanced economies: Advanced
1.6 1.4 2.3
• US and Japan are sustaining momentum economies:
USA 1.7 2.4 2.7
• Euro area will be weak – prone to strong Euro Area 1.5 -0.4 0.9
downside risks Japan -0.7 1.8 2.5
• EMEs will underpin global growth Germany 3.1 0.6 1.7
• Outlook vulnerable to elevated oil prices and France 1.7 0.1 1.2
developments in the Euro area. Italy 0.5 -1.6 -0.1
Spain 0.7 -0.9 -0.2
pp Contributions to world GDP growth UK 0.7 0.6 2.0
6.0
Advanced economies Emerging economies
5.0
Emerging
4.0 6.4 5.6 6.4
economies:
3.0 China 9.2 8.6 8.8
2.0 India 7.1 6.1 7.1
1.0
Brazil 2.7 3.2 5.0
0.0
Russia 4.3 4.3 4.2
-1.0
Africa 3.5 3.2 4.5
-2.0
-3.0
2007 2008 2009 2010 2011 2012 2013
7. Eurozone overview 2012-13
2012-2013: Core and periphery diverging
Latest Euro area growth forecasts
• Modest “recession” underway, but sluggish growth 2011 2012 2013
should resume if the crisis remains contained
Euro area 1.5 -0.4 0.9
• Germany to lead the recovery, helped by
Germany 3.1 0.6 1.7
relatively robust domestic demand
• France, Scandinavia and Austria to regain France 1.7 0.1 1.2
momentum from H2 2012; deeper downturn Italy 0.5 -1.6 -0.1
in Netherlands Spain 0.7 -0.9 -0.2
• Austerity tightening in Italy and Spain, Greece -6.9 -6.7 -1.8
worsening the growth outlook; Greece and
Portugal in deep recessions
Eurozone Purchasing Managers Indices
• Headline inflation is falling as energy prices 50.0 = No Change
Overall Services Output Manufacturing
60
decline – ECB so far cautious about cutting
interest rates 55
• Unemployment set to rise throughout 2012 and 50
into 2013 – despite a continuing fall in Germany 45
• Impact from disorderly resolution to the euro crisis 40
would be huge 35
30
2008
2009
2010
2011
8. UK overview 2012-13
2012 set to be another difficult year; some
momentum building up through 2013 Latest UK Forecast
• H1 2012 “bumping along the bottom”; momentum 2011
2012 2013
(outturn)
picking up in H2. Pace of recovery into 2013
GDP 0.7 0.6 2.0
crucially dependent on corporate confidence
Household Consumption -1.2 0.2 1.6
• Fiscal headwinds/sluggish consumers will
constrain domestic demand; some recovery in Manufacturing output 2.0 -0.9 1.8
exports; corporate investment? Consumer Prices 4.5 3.0 2.2
• Inflation falling but sticky; unemployment will Unemployment (%) 8.1 8.6 8.8
continue to rise
CBI GDP forecast £bn, 2008 ILO unemployment
% q/q prices Millions
1.5 370
Growth (lhs) Level (rhs) 3.0 CBI forecast
1.0
365
0.5 2.6
360
0.0
2.2
-0.5 355
-1.0 1.8
350
-1.5
1.4
345
-2.0
1.0
2…
2…
2…
2…
2…
2…
2…
2…
2…
2…
-2.5 340
2008 2009 2010 2011 2012 2013
9. UK: fiscal and monetary policy
% GDP Public sector net borrowing
• Austerity package under pressure 12.0
Structural Cyclical
• Deficit elimination two years later 10.0
• Debt peaks at 78% 8.0
6.0
• Impact on economy 4.0
• Annual drag on GDP of ~0.5% points 2.0
• Credibility premium delivers looser 0.0
monetary policy
• Monetary policy to remain accommodative
• Low rates into 2013 Growth in planned public spending
Real % rise
• More QE? 7 Chart excludes the impact of the
6 transfer of Royal Mail pension
fund assets in 2012/13
• Fiscal policy: sticking to Plan A 5
4
• 2012 Budget 3
• Need for Growth Agenda 2
1
0
-1
-2
2000-01
2001-02
2002-03
2003-04
2004-05
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
10. UK: a constrained economy
The ‘nice’ decade: world GDP growth & inflation
End of the “Nice Decade” % yoy
6.0 3.0
• Legacy impacts from the financial
5.0 2.5
crisis
4.0 2.0
• Bank recapitalisation
3.0 1.5
• Consumer deleveraging
• Fiscal austerity 2.0 1.0
1.0 0.5
• Growth constrained for some time 0.0 0.0
1995 1997 1999 2001 2003 2005 2007
Shocks and Recessions
Big 5 financial crises
Financial crises
External demand shock
Oil shocks
Monetary policy tightens
Output loss % from peak
Duration (quarters)
Fiscal policy contraction
0 1 2 3 4 5 6 7 8
Source: IMF
11. UK: rebalancing in a changing world
• UK must shift to a different model of growth Rebalancing GDP growth
3.0%
• Investment and net trade Growth 2.3% p.a.
2.5%
• Broader sectoral contributions Growth 2.1% p.a.
• Financed by savings not debt 2.0%
0.4%
C
1.7%
1.5% C
0.9%
• Against backdrop of global change I
1.0%
• Emerging market growth 0.4%
• Rapid digitalisation 0.5% I 1.0%
X-M
0.5%
• Shifting demographics 0.0% G -0.2%
• Growing resource constraints -0.3%
X-M G
-0.5%
1997 - 2009 2011 - 2015
Disposable income in China rising 15 Ageing of UK population
14
2020 £6tr
13
12
Compound annual
11
growth: 13% Number of people
2008 £1.4tr 10 aged 65+
9
8
0 2 4 6 8
End of “Nice decade”Mid 1990s to mid 2000s extraordinarily benign conditions esp lack of volatilityCauses of stability specific to decade – will not be repeatedMore volatile macro background – currency and fin markets, commodity pricesFinancial recessions are differentIMF studies: Duration x2 (7q v 3-4q); Output loss x2½ (5-6% v 2%)Recovery slower Legacy issues from crisis will constrain growth for some timeBanking risk aversion & recapitalisation Consumer deleveraging Fiscal austerity2% not 3% economy for some years (MK seven lean after seven fat)Need to get used to “new normal”
UK must resurrect investment and net trade as twin engines of growthOn a per-capita basis, neither made a contribution to UK GDP growth from 1997 – 2009This will have to change as government and household spending power will continue to be constrained for some time…against backdrop of global changeEmerging market growth – in terms of GDP; household incomes; number of high net worth individuals; proportion of world internet usersRapid digitalisation – more than one mobile phone subscription per person by 2020 (currently 75%); host of new digital servicesShifting demographics – ageing UK population; rapidly urbanising global populationGrowing resource constraints – UK becoming net importer of energy; but opportunities afforded by global awareness of climate changeThese trends are changing current markets and creating new onesStructural changes like the ageing of the UK population will re-shape consumption patterns in the UK – an opportunity for businesses to invest in new products and servicesRapid income growth in emerging markets like China will induce a shift to stronger demand for services like healthcare and education – an opportunity for UK services exports