Valyou - din mobile lommebok?
---------------------------------------------------
Hvordan måten vi betaler og shopper på vil endre seg fundamentalt
- Tor Jacobsen, daglig leder, Valyou (TSM Nordic)
Bkash is the revolutionary Mobile financial services provider in Bangladesh. We have shared the future growth prospect of the MFS industry in Bangladesh and an optimistic take on Bkash valuation .
MVNOs and mobile resellers - Commercial and regulatory issuesMartyn Taylor
An overview of the commercial and regulatory issues facing MVNOs and mobile resellers with a particular focus on the Asia-Pacific region, using Singapore as a case study
Infographic: Segmenting the global MVNO footprintvoipville
As of the end of 2015, the world’s mobile network operators (MNOs) host 1,038 mobile virtual network operators (MVNOs) and 277 MNO sub-brands. This represents a total of more than 1,300 mobile service providers worldwide hosted by MNOs, in addition to their own core brands.
Presentation by Rune Sjøhelle, Communication Director, Nordea at the Financial Services Club, Oslo, 6th March 2014
Rune Kibsgaard Sjøhelle is head of Brand Management and Social Media in the Nordea Group and head of Communications in Nordea in Norway. He has ten years branding and communication experience from Nordea as well as experience from PR agencies and the European dot.com industry. He is educated MSc in Industrial Economics from the Norwegian Institute of Technology. - See more at: http://www.fsclub.net/events-focus.cfm?id=395#sthash.vUlM3txx.dpuf
Valyou - din mobile lommebok?
---------------------------------------------------
Hvordan måten vi betaler og shopper på vil endre seg fundamentalt
- Tor Jacobsen, daglig leder, Valyou (TSM Nordic)
Bkash is the revolutionary Mobile financial services provider in Bangladesh. We have shared the future growth prospect of the MFS industry in Bangladesh and an optimistic take on Bkash valuation .
MVNOs and mobile resellers - Commercial and regulatory issuesMartyn Taylor
An overview of the commercial and regulatory issues facing MVNOs and mobile resellers with a particular focus on the Asia-Pacific region, using Singapore as a case study
Infographic: Segmenting the global MVNO footprintvoipville
As of the end of 2015, the world’s mobile network operators (MNOs) host 1,038 mobile virtual network operators (MVNOs) and 277 MNO sub-brands. This represents a total of more than 1,300 mobile service providers worldwide hosted by MNOs, in addition to their own core brands.
Presentation by Rune Sjøhelle, Communication Director, Nordea at the Financial Services Club, Oslo, 6th March 2014
Rune Kibsgaard Sjøhelle is head of Brand Management and Social Media in the Nordea Group and head of Communications in Nordea in Norway. He has ten years branding and communication experience from Nordea as well as experience from PR agencies and the European dot.com industry. He is educated MSc in Industrial Economics from the Norwegian Institute of Technology. - See more at: http://www.fsclub.net/events-focus.cfm?id=395#sthash.vUlM3txx.dpuf
Bitcoin and cryptocurrencies fs club final - publicChris Skinner
The latest on cryptocurrencies by Richard Brown, Executive Architect for Industry Innovation, Banking and Financial Markets, IBM UK
Richard's previous roles with the company, for whom he has worked for fifteen years, include Lead Account Architect for a global Investment Banking client and a Consultant for IBM software products. His specialisation is in the integration of complex systems. Richard is an expert in the emerging field of cryptocurrencies, on which he speaks and writes widely
The Next Big Thing is Web 3.0. Catch It If You Can Judy O'Connell
The best minds on our planet are suggesting that the Internet will continue to be arguably the most influential invention of our time. We are in the midst of a highly dynamic and dramatically changing landscape. Where Web 1.0 made us consumers of information, Web 2.0 allowed us to be participators and creators. Web 3.0 and the Semantic Web technologies are beginning to play a larger and more significant role in the search and filtering of the content fire hose that teachers and students encounter each day. How will the semantic web influence our learning and teaching encounters on the web? What is the connection between meaning and data? Will search or discovery be the main driving force in the 3.0 information revolution? How will information and knowledge creation in a semantic-powered online world develop? This session will draw on Semantic Web research and developments and show how connecting, collaborating and networking in a Web 3.0 world is changing the ground-rules once again.
Mobile Payments Reloaded - Ericsson Business Review #3 2008Giorgio Andreoli
After much hype in the late 90's, mobile payments again stand out as one of the most interesting options for enabling a new breed of non-voice mobile services. This is especially true in Europe, owing to a regulatory breakthrough that is liberalizing the payments sector and encouraging new players – namely, telecom operators – to enter this new area.
Alle ontwikkelingen van Rabo Mobiel op het gebied van Mobiel Bankieren, Mobiel Betalen, NFC Betalen, NFC toegang, Mobiel Ticketing op een rijtje.
All developmenet of Rabo Mobiel ie Mobile Banking, Mobile Payments, NFC Payments, NFC access, Mobile Ticketing in 1 summary.
The current low use of e-commerce in Solomon Islands belies significant potential for the sector to grow swiftly and make economic and socioeconomic contributions to the country.
The International Journal of Engineering and Science (The IJES)theijes
The International Journal of Engineering & Science is aimed at providing a platform for researchers, engineers, scientists, or educators to publish their original research results, to exchange new ideas, to disseminate information in innovative designs, engineering experiences and technological skills. It is also the Journal's objective to promote engineering and technology education. All papers submitted to the Journal will be blind peer-reviewed. Only original articles will be published.
How we will be paying in 2020 - SPA Technical Director, Lorenzo Gaston at EPC...Smart Payment Association
Retail Payments Vision 2015 – And SPA perspective
The retail payment ecosystem is changing. Over recent years we’ve seen the democratizing effect of technology create an ever-broader payments landscape.
Contactless, NFC payment, m-wallets, cross border and person-to-person transactions, and the emergence of virtual currencies are all contributing to growth.
It’s a market too that is being shaped by the demands of a new generation of retail customers: one in which simplicity, speed and convenience are king.
At the same time, we’ve seen the traditional banking and settlement value chain come under pressure from big brand entrants – from mobile operators, Google, Apple and others. These new entrants are changing the dynamics of the industry as new commercial partnerships and models develop to offer an ever-widening range of convenient payment options to consumers and businesses.
This rate of change raises some interesting questions: how to secure ‘card/person not present’ transactions; how to protect customer data; and how to guard against a new breed of cyber criminal looking to capitalize on vulnerabilities. Moreover, the appearance of non-traditional players - who may lack the structural understanding, or the technical or financial means to create a fully secure end-to-end environment – could pose serious challenges for banks, regulators, standards bodies and merchants alike.
So what will the future bring? While attempting predications in this heterogeneous retail payments landscape can be an uncertain and somewhat random exercise, the SPA considers the following “12 key trends to watch” to be significant in the coming years.
Bitcoin and cryptocurrencies fs club final - publicChris Skinner
The latest on cryptocurrencies by Richard Brown, Executive Architect for Industry Innovation, Banking and Financial Markets, IBM UK
Richard's previous roles with the company, for whom he has worked for fifteen years, include Lead Account Architect for a global Investment Banking client and a Consultant for IBM software products. His specialisation is in the integration of complex systems. Richard is an expert in the emerging field of cryptocurrencies, on which he speaks and writes widely
The Next Big Thing is Web 3.0. Catch It If You Can Judy O'Connell
The best minds on our planet are suggesting that the Internet will continue to be arguably the most influential invention of our time. We are in the midst of a highly dynamic and dramatically changing landscape. Where Web 1.0 made us consumers of information, Web 2.0 allowed us to be participators and creators. Web 3.0 and the Semantic Web technologies are beginning to play a larger and more significant role in the search and filtering of the content fire hose that teachers and students encounter each day. How will the semantic web influence our learning and teaching encounters on the web? What is the connection between meaning and data? Will search or discovery be the main driving force in the 3.0 information revolution? How will information and knowledge creation in a semantic-powered online world develop? This session will draw on Semantic Web research and developments and show how connecting, collaborating and networking in a Web 3.0 world is changing the ground-rules once again.
Mobile Payments Reloaded - Ericsson Business Review #3 2008Giorgio Andreoli
After much hype in the late 90's, mobile payments again stand out as one of the most interesting options for enabling a new breed of non-voice mobile services. This is especially true in Europe, owing to a regulatory breakthrough that is liberalizing the payments sector and encouraging new players – namely, telecom operators – to enter this new area.
Alle ontwikkelingen van Rabo Mobiel op het gebied van Mobiel Bankieren, Mobiel Betalen, NFC Betalen, NFC toegang, Mobiel Ticketing op een rijtje.
All developmenet of Rabo Mobiel ie Mobile Banking, Mobile Payments, NFC Payments, NFC access, Mobile Ticketing in 1 summary.
The current low use of e-commerce in Solomon Islands belies significant potential for the sector to grow swiftly and make economic and socioeconomic contributions to the country.
The International Journal of Engineering and Science (The IJES)theijes
The International Journal of Engineering & Science is aimed at providing a platform for researchers, engineers, scientists, or educators to publish their original research results, to exchange new ideas, to disseminate information in innovative designs, engineering experiences and technological skills. It is also the Journal's objective to promote engineering and technology education. All papers submitted to the Journal will be blind peer-reviewed. Only original articles will be published.
How we will be paying in 2020 - SPA Technical Director, Lorenzo Gaston at EPC...Smart Payment Association
Retail Payments Vision 2015 – And SPA perspective
The retail payment ecosystem is changing. Over recent years we’ve seen the democratizing effect of technology create an ever-broader payments landscape.
Contactless, NFC payment, m-wallets, cross border and person-to-person transactions, and the emergence of virtual currencies are all contributing to growth.
It’s a market too that is being shaped by the demands of a new generation of retail customers: one in which simplicity, speed and convenience are king.
At the same time, we’ve seen the traditional banking and settlement value chain come under pressure from big brand entrants – from mobile operators, Google, Apple and others. These new entrants are changing the dynamics of the industry as new commercial partnerships and models develop to offer an ever-widening range of convenient payment options to consumers and businesses.
This rate of change raises some interesting questions: how to secure ‘card/person not present’ transactions; how to protect customer data; and how to guard against a new breed of cyber criminal looking to capitalize on vulnerabilities. Moreover, the appearance of non-traditional players - who may lack the structural understanding, or the technical or financial means to create a fully secure end-to-end environment – could pose serious challenges for banks, regulators, standards bodies and merchants alike.
So what will the future bring? While attempting predications in this heterogeneous retail payments landscape can be an uncertain and somewhat random exercise, the SPA considers the following “12 key trends to watch” to be significant in the coming years.
Rabobank: Case Studies in Mobile Banking & Payments Development: November 201...Dan Armstrong
A brief presentation on mobile banking and payments developments within Rabobank Nederland and Rabobank International; as well as some case studies of how Rabo Development uses these lessons learned in developing countries.
Dan Armstrong
IIR Mobile Payment Services
Prague, Czech Republic
02 November 2010
A brief presentation to be given on Wednesady (10 December 2009) at the "Mobile Payment, Remittance & M-Commerce Africa 2009" conference in Accra, Ghana (http://www.magenta-global.com.sg/MPRMC/)
What role will mobile wallet services play in the future payments industry? The number of active mobile wallet users in Europe and North America is forecasted to grow from 8 million users in 2012 at a compound annual growth rate of 55 percent to reach 71 million users in 2017. Get up to date with the latest information about vendors, products and markets in this 170 pages report from Berg Insight. Find out more at http://www.berginsight.com/ShowReport.aspx?m_m=3&id=163
Mobile Payments & Banking - NACHA Global Payments ForumDan Armstrong
Short presentation featuring case studies Rabo Mobiel (The Netherlands) and NMB Mobile (Tanzania) for the NACHA Global Payments Forum, London (February 21 2010).
Mobile In Banking And Finance What Make Sense And What NotDeepak Pareek
In recent years, the banking & financial services industry has been undergoing rapid changes, reflecting a number of underlying developments. Internet, wireless technology, and global straight-through processing have created a paradigm shift - from brick-and-mortar banks to banking virtually across time zones, geographical locations, access points and delivery channels. Today Mobile revolution has disrupted banking industry and this presentation provides a detailed discussion about issues of Mobile Banking.
One of the most prominent mobile payment technologies of interaction paradigms is Near Field
Communication (NFC), which provides simple and secure two-way communication between electronic devices.
However, NFC-based services have not increased as expected. In this paper, the NFC payment ecosystems are
introduced and reasons to why their use has not rapidly become more prevalent are discussed. The presented
research results are summarised from business case studies that were carried out in various Finnish companies
during the period 2012-2015. The results showed that the sustainable and feasible solutions are based on
recognised standards and open ecosystems; national, proprietary or otherwise restricted solutions do not work.
Accordingly, it was recommended to start with Value Added Service (VAS) systems as these involved fewer
security requirements. Finally, the analyses pointed out that tokenisation offers light security version for most of
services in the business and it was experienced a remarkable way for promoting the mobile payment services.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
7. NORWAY - A PERFECT MARKET TO LAUNCH MOBILE FINANCIAL SERVICES
80% penetration of smartphones
-
30% NFC terminals and increasing
-
A history of collaboration
25. «IT WAS SHOCKING SIMPLE
WHEN I JUST PUT DOWN THE
MOBILE OVER THE TERMINAL»
«I WAS IMPRESSED THAT IT
WORKED EVEN IF THE
MOBILE WAS TURNED OFF»
«FIRST TIME IT WAS LIKE «WOW, IT
WORKS». AND YOU ARE GETTING
SO QUICKLY USED TO IT»
86 %
OF RESPONDENTS ARE SATISFIED OR VERY SATISFIED WITH VALYOU
26. OF RESPONDENTS CLAIMED THAT TRANSACTION TIME IS SHORTER WITH VALYOU
71 %
«IT WAS SHOCKING SIMPLE
WHEN I JUST PUT DOWN THE
MOBILE OVER THE TERMINAL»
«I WAS IMPRESSED THAT IT
WORKED EVEN IF THE
MOBILE WAS TURNED OFF»
«FIRST TIME IT WAS LIKE «WOW, IT
WORKS». AND YOU ARE GETTING
SO QUICKLY USED TO IT»