April 2011 - GlobalCollect has kicked off a series of webinars to take a closer look at the ins and outs of emerging markets by zooming in on the BRIC countries, as those boast double digit growth numbers and thus offer tremendous potential for e-commerce opportunities. Both the presentation and video will give you the necessary background to devise a winning payment strategy in each BRIC country. Throughout the rest of the year, we will follow up with further webinars on emerging markets that will take an in-depth look at individual countries and specific verticals – so stay tuned via http://www.globalcollect.com/payment-service-provider/Knowledge-center/
El evento mas importante sobre ecommerce y negocios por internet.
Material de apoyo utilizado por el expositor presente en el eCommerce Latam, el cual es el evento más importantes de América Latina sobre: eCommerce -mCommerce – banca online y emprendedorismo y negocios por internet.
Para mas informacion sobre el evento ingresar en www.colombia.ecommercelatam.com.
Toda la informacion disponible sobre el eLabTour 2010 que se compuso por los 5 eCommerce Day culminando con el eCommerce Latam en www.ecommerceday.org
8th CEE Retail Banking Conference, 11 October 2011, Budapest
Organized by Fleming Europe
Presentation given by Sotiris Sirmakezis, Deputy General Manager, Piraeus Bank
El evento mas importante sobre ecommerce y negocios por internet.
Material de apoyo utilizado por el expositor presente en el eCommerce Latam, el cual es el evento más importantes de América Latina sobre: eCommerce -mCommerce – banca online y emprendedorismo y negocios por internet.
Para mas informacion sobre el evento ingresar en www.colombia.ecommercelatam.com.
Toda la informacion disponible sobre el eLabTour 2010 que se compuso por los 5 eCommerce Day culminando con el eCommerce Latam en www.ecommerceday.org
8th CEE Retail Banking Conference, 11 October 2011, Budapest
Organized by Fleming Europe
Presentation given by Sotiris Sirmakezis, Deputy General Manager, Piraeus Bank
Trabajo para la asignatura de Atención Educativa. Carla, 1ºBB - Liceo Francés de Gran Canaria.
En Atención educativa, hemos abordado el tema de las O.N.Gs. Cada alumno escogió una Organización No Gubernamental de interés público entre diversos dominios de intervención y preparó una exposición oral y escrita para hablar de ella a sus compañeros. El objetivo era conocer como funciona una O.N.G., los diferentes dominios de intervención, sus objetivos de trabajo, sus orígenes, la financiación, sus relaciones con otras instituciones, quiénes trabajan para ellas (voluntarios, profesionales,...)
Transforming Business with Cognitive APIs: What Innovative Business Strategie...IBM Watson
Watch the on-demand replay of the webcast here: https://www.youtube.com/watch?v=hIN1RjxOFTk
AI, machine learning and over 50 technologies behind Watson cognitive computing are ushering in a new era of technology that will reshape our human-computer interactions in business and in science. Join this Executive Webcast Series to hear insights, guidance and vision from some of our Watson leaders on Why, What and How cognitive APIs are being applied for business value and transformation.
In this episode, gain insight from an exec in the industry on WHAT innovative business strategies are facilitated with cognitive APIs.
China E-Commerce Challenges and OpportunitiesMinh-Ha Nguyen
Minh-Ha Nguyen’s presentation on the challenges and opportunities of doing e-commerce in China highlights:
• Trends in China e-commerce, including mobile commerce
• Challenges of doing business in China, including the myth of China e-commerce as a low-cost distribution channel and what drives the high cost of China e-commerce
• Benefits of e-commerce in China
• Opportunities available for China e-commerce companies
• Opportunities available for the product manufacturers supplying these e-commerce companies in China
2011 MBA Online mobile and Social Media - The Emerging TrendsJoe Dahleen
The Mortgage Banking Association as me to present at the Annual Conference again this 2011. This time the topic was on Social Media, Mobile and online marketing as a topic of emerging trends in the mortgage business. My perspective was that of a mortgage lender and how to go about building a social media strategy. Here is what I presented.
Branch transformation strategies to improve branch efficiency, lower costs and improve the customer experience. Contact me at chris.gill@diebold.com for more information.
A Echeverria Channel Focus Segmentation And Coverage Models 4 SlideshareAndré Echeverria
This is a briefing of the Sales Coverage Model I was invited to deliver at the Channel Focus Americas event in San Diego.
It demonstrates how a smart account potential analysis can be performed to support a decision to concentrate more sophisticated selling resources at the right account bets.
And how both Direct Sales teams, as well as Partners, may grow their business in parallel, based on the previous mentioned analysis.
(Based on a real case, with modified data)
See the McDougall Interactive Strategy from our Search and Social Seminar. This is from 2011 so while some information seems outdated you would be surprised how much is still relevant.
Handling the boom in international commerceX.commerce
The world’s two billion Internet consumers are accessing U.S. markets through the web more than ever. In fact, one in ten U.S. ecommerce transactions already comes from international consumers. How have retailers been responding to this lucrative change in the landscape? What APIs, development languages, and payment technologies work best when dealing with foreign terms, currencies, and shipping implications?
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
A talk provoking forward thinking with regards to social media, mobile, and mobile payments. What are the opportunities for tapping into networks and advancing marketing & PR alongside the rise of mobile payments?
Recently, consumers’ tendency to shop online is sharply raising. They show similar shopping trends across the globe, with roughly the same eCommerce behaviors at the same time in their own time zones.
People around the world enjoy the holiday shopping season that comes at the year’s end. According to our data analytics, eCommerce in 2015 grew around the world and on mobile devices. People spent more money on average for each transaction and holiday shopping season sales increased compared to previous years.
According to our Buisness Intelligence, this year’s Black Friday eCommerce in 2015 was 34% higher than 2014 and Cyber Monday was more of a European phenomenon.
Acting quickly after a data breach can help you regain security, preserve evidence and protect your brand. Use this checklist as your guide in the first 24 hours after discovering a breach.
Is now a good time for eCommerce merchants to invest in Latin America? This presentation takes a look at the current economic conditions and the outlook for the coming years.
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.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
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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.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
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/
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
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. 📊
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.
4. Why?
GDP/capita Internet
Country Population Growth (%)
(USD) Users
203 Mio 10,900 7.5% 76 Mio
139 Mio 15,900 3.8% 60 Mio
1,189 Mio 3,400 8.3% 81 Mio
1,337 Mio 7,400 10.3% 457 Mio
Source: CIA – The World Factbook | Internetworldstats.com
4
5. Why?
E-commerce volume in Billion USD
51,0
2009
E-commerce growth
2010 36,4
2008 2009 2009 2010
Brazil 39% 40%
Russia 28% 35-38%
India 30% 50%
8,9
6,2 6,7
4,9 China 39% 38-45%
2,3 3,5
Brazil Russia India China
5
9. Differences
E-readiness (EIU - 2010)
Business Social and Legal Government Cons. & Bus.
Country Overall score Connectivity
environment cultural environment policy and vision Adoption
Brazil 5.27 3.60 6.66 5.73 6.10 5.70 4.93
China 4.28 2.65 6.36 5.40 5.20 4.60 3.11
India 4.11 2.15 6.27 4.67 5.60 5.10 2.88
Russia 3.97 3.85 5.72 5.13 3.65 3.00 3.01
USA 8.41 7.35 7.85 9.00 8.70 9.25 8.60
Debt vs. savings
Country GDP/capita (USD) Debt % Savings Credit cards Debit cards Inhabitants cc/capita dc/capita
Brazil 10,900 35% 17% 191 233 194 0.98 1.20
Russia 15,900 13% 26% 10 119 141 0.07 0.84
India 3,400 12% 24% 24 130 1189 0.02 0.11
China 7,400 17% 47% 199 1800 1337 0.14 1.29
US 46,400 136% 7% 686 488 310 2.21 1.57
Sources: creditcards.com | CIA factbook | 9
10. The playing field
Setting up shop
1. Conversion Alternative payment
2. Local collection Resident bank account
3. Entity Admin and operational cost
4. Type of entity determines how to repatriate and how it is taxed
• Local regulation of various industries (e.g. telco, travel)
5. Logistics
10
11. The playing field
Taxes and repatriation
• Tangible or intangible?
• Customer = consumer or business?
• VAT and withholding tax!
Capture relevant data in checkout process
Frequency of reporting and FX trade-off
Operational impact + currency exposure vs. cash flow
11
13. Brazil – The payers
Country GDP/capita (USD) Debt % Savings Credit cards Debit cards Inhabitants cc/capita dc/capita
Brazil 10.900 35% 17% 191 233 194 0,98 1,20
• Installments (“parcelas”)
• Not everyone has a card or gets credit
• Cash or cards
• Relatively high # of chargebacks
14. Brazil – The players
Cards Banks Alternatives
14
15. Brazil – The players
Market share online payment methods
The star
• Boletos – Bank scheme
Cards
60%
– push payment using barcode
(via online banking, bank branch, check or ATM)
Boletos
– No consumer charge 30%
Bank
The contenders Others transfer
5% 5%
• Mercadopago & Dineromail
Continuous high growth in last 3 years
– Various funding sources
• Débito Online
– Real-time banking
15
16. Brazil – Pick your team
Payment methods
Digital Physical Travel
Cards +++ +++ +++
Boletos ++ ++ +/―
eWallets ++ ++ ++
Bank transfer + + ++
Mobile + ― ―
Reversible? Moneyback refund Recurring
Boletos No (except when paid by check) No No
eWallets No Yes No (being developed)
Bank transfer No Yes No
Mobile Yes Depends on carrier Depends on carrier
16
17. Brazil – The gameplan
• Local BT + eWallets + Boletos = avg. of 25-35%
• Your industry requirements (tax!)
• Local entity | Capturing consumer data
• Use third party for FX and repatriation
– BRL cannot be repatriated
17
18. Russia
Cards are the alternative
MRC 2010 Semi-Annual Platinum Meeting
and 10th Anniversary Celebration
Austin, TX | October 1
19. Russia – The payers
• Cash lovers – Distrusting banks (1998)
• Prefer eWallets for online as cash substitute
• Majority online purchases = digital
• Travel up 500%
• Many cards not enabled for online
• Cross-border payments growing
19
20. Russia – The players
Cards Banks Alternatives
20
21. Russia – The players
The stars Which online payment method do you
prefer?
• Yandex (eWallet) 70%
– #1 FOP | RUB only
45%
38%
2008 2009
• Webmoney (eWallet) 10% 12% 10%
8% 7%
– #2 FOP | Multiple currencies
(Webmoney Gold)
Cash on E-money Credit card Bank transfer
delivery
Source: Romir – 2009
The contender
• Qiwi (ATM cash-in/eWallet)
– Largest network of ATM‟s
– 80 Million users a month
– Funding source for eWallets, VISA prepaid or direct payment 21
22. Russia – Pick your team
• Preferred payment methods
Digital Physical Travel
Yandex +++ +/― +/―
Webmoney +++ +/― +/―
Qiwi ++ ― ――
Cards + + ++
Mobile +++ ― ―
Reversible? Moneyback refund Recurring
Yandex No No Yes
Webmoney No Yes (time limit) Yes
Qiwi No Yes (to wallet) No
Mobile Yes Depends on carrier Depends on carrier
22
23. Russia – The gameplan
• Yandex , Webmoney & Qiwi = average increment of 40-50%
– For ATV < USD 500
– Travel = cards | Physical goods ► „see first then pay‟
• Setup local entity + tax passport
• Non-resident is possible, but:
– Settlement up to 30 days
– Not all local vendors/acquirers
• Use third party for FX and repatriation
– RUB cannot be repatriated
23
25. India – The payers
• Online buyers situated
in metropolitan areas
• 85% shoppers aged 15 – 35
2015: 65% of population aged 15 - 35
India consumer trends research: Mint in cooperation with Komli
Media - 2009
• Mobile penetration (600 Mio vs. 81 Mio Desktop)
Source: IAMAI: “Digital Commerce” – March 2011 25
26. India – The playing field
• Logistics
• Two-factor authentication for CNP
• Success rates declined
• Since Feb 2011 also for mobile/IVR transactions
26
27. India – The players
(Base: 7.5 million Active Internet Users who have made online purchases)
Source: IAMAI: “Digital Commerce” – March 2011
27
28. India – The players
Market shares - IRCTC
Reserve Bank of India (RBI)
Other
The star 14,8% Cards
24,5%
• Indian banks via net banking Cash cards
– ICICI, SBI, HDFC 16,9%
Net
The contender banking
43,8%
• Mobile (Obopay, Paymate, mChek)
– carrier billing, linking card or bank account
Source: IRCTC (Indian Railway) –
accounts for 25-30% of online payments in India
28
29. India – Pick your team
Digital Physical Travel
Cards ++ +++ +++
Netbanking +++ +++ +++
Cash cards ++ ― ――
Mobile +++ + +
Reversible Moneyback Recurring
(refund)
Netbanking Yes Yes Yes
Cash cards No Yes No
Mobile Yes Depends on Depends on
carrier carrier
29
30. India – The gameplan
• Net banking, Cash cards and mobile = average increment 20%
• Mobile?
• Local entity (Direct connections or via PSP)
• Trust ► Checkout pages IRCTC (trusted)
• Use third party for FX and repatriation
– INR repatriation very limited
30
32. China – The payers
• Cash (COD) first and foremost # of shoppers paying online
140 128
120
100 94
• < 35 more prone to credit and 80
Millions
buying online 60
40
20
0
• Group shopping (19M users) December 2009 June 2010
Source: CNNIC “ Statistical Report on
Internet Development in China “ | July 2010
• Transaction limits per consumer
32
33. China – The players
Cards Banks Alternatives
33
34. China – The players
The stars
• China Union Pay (CUP)
• Alipay
The contenders
• Tenpay (part of Tencent)
• Mobile (202% YoY)
303 M mobile internet users
34
35. China – Pick your team
Digital Physical Travel
Cards +++ +++ +++
Alipay +++ ++ ++
Tenpay ++ ++ ++
Mobile +++ ― ―
Bank transfer + + +
Reversible Moneyback Recurring
(refund)
Alipay No Yes (not realtime) No
Tenpay No Yes No
Mobile Yes Carrier dependent Carrier dependent
Bank transfer No Yes No
35
36. China – The gameplan
• Alipay & Tenpay ► average increment of 30-40%
• Mobile?
• CNY repatriation not possible
– Setting up entity in China cumbersome
• Taxes approximately 30%
36
38. Summary
• Markets and product functionality less mature
• Seek local tax and legal advice
• Adapt checkout process capture necessary data
• Reporting requirements
• Website in local languages & customs
38
39. Summary
vs.
Match your business with FOPs that support your needs
(e.g. pricing, refunds, recurring, delayed settlement)
Trust, transparency and clarity
39
41. Next Webinars
“Brazil in-depth”
http://www.youtube.com/watch?v=lp8d0Pb6UY
By Daniel Belda 0
Product Manager
GlobalCollect
“Gaming in BRIC”
To be announced next
week
41