This document is comprised of 17 short paragraphs, each containing a copyright statement for iBanFirst from the year 2017. The document repeats the same copyright statement for iBanFirst 17 times without any other substantive content.
The document repeatedly states that the copyright of the content belongs to Ikki Inoue in 2017 and that all rights are reserved. It lists the copyright notice over 30 times.
This document contains numbers from 2017 listed month by month. It starts with the numbers 2 through 9 representing months, followed by repeating 1s likely representing days or dates in the first month.
Parasympatholytics medicinal chemistry b. pharm. AZCPh
This document appears to list months and years from 2017 repeatedly. It does not contain any other text or context, so the essential information that can be summarized is that the document consists of months and years from 2017 listed in sequence multiple times without any other distinguishing content.
Parasympathomimetics medicinal chemistry b. pharm. AZCPh
This document contains numbers from 2 to 3 repeatedly listed for each month from 2017. It seems to suggest data was collected for some metric each month throughout the year 2017. However, without any additional context it is difficult to determine what specifically the numbers represent.
The document discusses building APIs to enable online negotiation, management, and collection of direct debits. It recommends building the API first, then the graphical user interface, with thorough documentation and code samples. It notes that some large companies may not have API skills in-house, so an extra integration layer may be needed. The document also stresses keeping APIs simple and focusing on understanding different types of users, like business analysts, developers, or CEOs. APIs should be available to all partners in an organization's ecosystem and allow customers to integrate payments into their own devices, systems, and applications seamlessly.
This document discusses building an API-first service for payments subscriptions. It notes that consumer behavior favors usage over ownership. It recommends designing a flexible API framework to promote ease of use and innovation. The document contrasts top-down and bottom-up API design approaches and argues that legacy systems often force bottom-up designs that result in more complex APIs. It also states that open banking APIs may not truly open up banks due to legacy constraints.
Ibanity has joined Isabel Group to help companies access bank data through APIs, enable new digital banking services, and assist banks in adapting to regulations and customer preferences as financial technology firms become partners rather than just competitors; this will involve reducing costs for third parties to integrate with banks and aggregating data from different sources to enrich APIs.
Edebex is an online marketplace for buying and selling outstanding receivables. The document discusses how companies can integrate Edebex's API into their own websites or applications in order to generate new revenue streams either by offering Edebex's services to customers through an iframe integration requiring minimal technical skills, or through a full API integration allowing customers to buy and sell directly on the integrating company's platform.
The document repeatedly states that the copyright of the content belongs to Ikki Inoue in 2017 and that all rights are reserved. It lists the copyright notice over 30 times.
This document contains numbers from 2017 listed month by month. It starts with the numbers 2 through 9 representing months, followed by repeating 1s likely representing days or dates in the first month.
Parasympatholytics medicinal chemistry b. pharm. AZCPh
This document appears to list months and years from 2017 repeatedly. It does not contain any other text or context, so the essential information that can be summarized is that the document consists of months and years from 2017 listed in sequence multiple times without any other distinguishing content.
Parasympathomimetics medicinal chemistry b. pharm. AZCPh
This document contains numbers from 2 to 3 repeatedly listed for each month from 2017. It seems to suggest data was collected for some metric each month throughout the year 2017. However, without any additional context it is difficult to determine what specifically the numbers represent.
The document discusses building APIs to enable online negotiation, management, and collection of direct debits. It recommends building the API first, then the graphical user interface, with thorough documentation and code samples. It notes that some large companies may not have API skills in-house, so an extra integration layer may be needed. The document also stresses keeping APIs simple and focusing on understanding different types of users, like business analysts, developers, or CEOs. APIs should be available to all partners in an organization's ecosystem and allow customers to integrate payments into their own devices, systems, and applications seamlessly.
This document discusses building an API-first service for payments subscriptions. It notes that consumer behavior favors usage over ownership. It recommends designing a flexible API framework to promote ease of use and innovation. The document contrasts top-down and bottom-up API design approaches and argues that legacy systems often force bottom-up designs that result in more complex APIs. It also states that open banking APIs may not truly open up banks due to legacy constraints.
Ibanity has joined Isabel Group to help companies access bank data through APIs, enable new digital banking services, and assist banks in adapting to regulations and customer preferences as financial technology firms become partners rather than just competitors; this will involve reducing costs for third parties to integrate with banks and aggregating data from different sources to enrich APIs.
Edebex is an online marketplace for buying and selling outstanding receivables. The document discusses how companies can integrate Edebex's API into their own websites or applications in order to generate new revenue streams either by offering Edebex's services to customers through an iframe integration requiring minimal technical skills, or through a full API integration allowing customers to buy and sell directly on the integrating company's platform.
This document discusses the evolution of APIs through four generations from the 1960s to today. The first generation consisted of internal APIs for programs to communicate. The second generation introduced remote procedure calls to allow programs to communicate over a network. The third generation included web APIs to allow communication over the internet using simpler and more scalable designs. The fourth generation is cloud APIs which build on web APIs to provide internet-accessible, shared, and scalable services in the cloud. The document also notes that APIs now drive user interfaces and interactions.
This document discusses how banks can leverage APIs to improve their business. It outlines three key benefits that APIs provide: 1) Enriching customer data through business information APIs, 2) Improving user experience through automatic form filling and validation, and 3) Building whitelabel platforms through pre-filled digital forms and centralized databases. The document also provides examples of real-life fintech API applications that deliver business value through risk analysis, prospection automation, and email scoring.
Fitchain.io aims to build a marketplace connecting data scientists with organizations needing data processing and modeling, while maintaining data governance and confidentiality. Their solution involves keeping data on-premise within organizations' infrastructure so it never leaves. Both organizations and data scientists can monetize their assets through this marketplace - organizations by allowing modeling on their data, and data scientists by monetizing models built using interesting datasets. Blockchain technology provides execution transparency and model validation to ensure data remains confidential.
The document discusses using software tools to perform audits of a company's GDPR compliance. It notes that using software like the Privacy Deep Scan allows audits to be done quicker, cheaper, and more efficiently than traditional audits. The software maps out all of a company's data flows and tests answers with implicit questioning to avoid human error. At the end, it provides a report on the company's Privacy Maturity Index score and compliance progress over time through a subscription model.
This document discusses profiling under the GDPR and provides examples of how profiling is used in fintech and insuretech. It defines profiling as gathering and analyzing data to assess personal aspects and predict behavior. Profiling qualifies as processing personal data, so the GDPR applies. Key points include ensuring a legal basis for profiling, respecting data subjects' rights, avoiding automated decisions with legal effects without human intervention, protecting sensitive data, and prohibiting unlawful discrimination. Reflexes for companies include establishing a valid legal basis, informing and empowering data subjects, and designing processes with data protection, accuracy, and non-discrimination in mind.
The document discusses how the General Data Protection Regulation (GDPR) will affect the collection of financial data in the financial technology (FinTech) sector. It explains that GDPR does not prohibit collecting personal data, but special categories of data like biometric data require more restrictions. When collecting financial data, companies must define clear purposes, inform individuals, and only process data in accordance with these purposes. They must also establish a legal basis for collection such as consent, contract performance, or legitimate interest. GDPR also requires privacy by design principles like data protection impact assessments and privacy by default settings to be applied when collecting financial data.
The General Data Protection Regulation (GDPR) will take effect on May 25, 2018 and will apply to any entity that processes personal data. Non-compliance with GDPR can result in fines of up to 4% of global annual revenue or 20 million Euros. The GDPR will have operational impacts for financial technology companies, including strengthening data subject rights like the "right to be forgotten" and requiring companies to demonstrate compliance through documentation of their processes to protect personal data. Companies will also need to ensure contracts are in place if they use other processors or sub-processors of personal data.
Instant Payments allow for payments to be processed in real-time, typically within 10 seconds. While they provide benefits like convenience and the ability to pay without cards, their disruptive potential is uncertain as existing payment instruments also work well. Adoption depends on triggers for users and use cases with enough volume and value. Banks face challenges implementing Instant Payments due to costs of upgrading systems while non-banks have opportunities. For Instant Payments to succeed, the focus needs to be on the customer experience and specific high-value use cases, with cooperation across the industry to improve efficiency of infrastructure.
This document discusses instant payments and their potential as a game changer for e-commerce. It provides background on Newpharma, a large online pharmacy in Belgium. Newpharma faces challenges from inconsistent payment methods across Europe and high costs of payment processing. Instant payments could help if they are seamlessly integrated, guarantee payment for merchants, and have lower costs than other options. Their potential impact will depend on technical capabilities and transaction fees, as competitors may lower fees in response. In closing, Newpharma sees opportunities for consumers and merchants but realizes adoption depends on several factors.
The document discusses trends towards faster payments in Europe and globally. It provides context on instant payments, defining them as payments that result in immediate or near-immediate crediting of the payee's account within seconds. Several countries have already implemented instant payment systems. The document outlines the development of the SCTinst scheme in Europe as well as countries' roadmaps for implementing instant payments, with many planning go-lives between 2017-2019. Faster payments are expected to impact other payment instruments like cards over time.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
This document discusses the evolution of APIs through four generations from the 1960s to today. The first generation consisted of internal APIs for programs to communicate. The second generation introduced remote procedure calls to allow programs to communicate over a network. The third generation included web APIs to allow communication over the internet using simpler and more scalable designs. The fourth generation is cloud APIs which build on web APIs to provide internet-accessible, shared, and scalable services in the cloud. The document also notes that APIs now drive user interfaces and interactions.
This document discusses how banks can leverage APIs to improve their business. It outlines three key benefits that APIs provide: 1) Enriching customer data through business information APIs, 2) Improving user experience through automatic form filling and validation, and 3) Building whitelabel platforms through pre-filled digital forms and centralized databases. The document also provides examples of real-life fintech API applications that deliver business value through risk analysis, prospection automation, and email scoring.
Fitchain.io aims to build a marketplace connecting data scientists with organizations needing data processing and modeling, while maintaining data governance and confidentiality. Their solution involves keeping data on-premise within organizations' infrastructure so it never leaves. Both organizations and data scientists can monetize their assets through this marketplace - organizations by allowing modeling on their data, and data scientists by monetizing models built using interesting datasets. Blockchain technology provides execution transparency and model validation to ensure data remains confidential.
The document discusses using software tools to perform audits of a company's GDPR compliance. It notes that using software like the Privacy Deep Scan allows audits to be done quicker, cheaper, and more efficiently than traditional audits. The software maps out all of a company's data flows and tests answers with implicit questioning to avoid human error. At the end, it provides a report on the company's Privacy Maturity Index score and compliance progress over time through a subscription model.
This document discusses profiling under the GDPR and provides examples of how profiling is used in fintech and insuretech. It defines profiling as gathering and analyzing data to assess personal aspects and predict behavior. Profiling qualifies as processing personal data, so the GDPR applies. Key points include ensuring a legal basis for profiling, respecting data subjects' rights, avoiding automated decisions with legal effects without human intervention, protecting sensitive data, and prohibiting unlawful discrimination. Reflexes for companies include establishing a valid legal basis, informing and empowering data subjects, and designing processes with data protection, accuracy, and non-discrimination in mind.
The document discusses how the General Data Protection Regulation (GDPR) will affect the collection of financial data in the financial technology (FinTech) sector. It explains that GDPR does not prohibit collecting personal data, but special categories of data like biometric data require more restrictions. When collecting financial data, companies must define clear purposes, inform individuals, and only process data in accordance with these purposes. They must also establish a legal basis for collection such as consent, contract performance, or legitimate interest. GDPR also requires privacy by design principles like data protection impact assessments and privacy by default settings to be applied when collecting financial data.
The General Data Protection Regulation (GDPR) will take effect on May 25, 2018 and will apply to any entity that processes personal data. Non-compliance with GDPR can result in fines of up to 4% of global annual revenue or 20 million Euros. The GDPR will have operational impacts for financial technology companies, including strengthening data subject rights like the "right to be forgotten" and requiring companies to demonstrate compliance through documentation of their processes to protect personal data. Companies will also need to ensure contracts are in place if they use other processors or sub-processors of personal data.
Instant Payments allow for payments to be processed in real-time, typically within 10 seconds. While they provide benefits like convenience and the ability to pay without cards, their disruptive potential is uncertain as existing payment instruments also work well. Adoption depends on triggers for users and use cases with enough volume and value. Banks face challenges implementing Instant Payments due to costs of upgrading systems while non-banks have opportunities. For Instant Payments to succeed, the focus needs to be on the customer experience and specific high-value use cases, with cooperation across the industry to improve efficiency of infrastructure.
This document discusses instant payments and their potential as a game changer for e-commerce. It provides background on Newpharma, a large online pharmacy in Belgium. Newpharma faces challenges from inconsistent payment methods across Europe and high costs of payment processing. Instant payments could help if they are seamlessly integrated, guarantee payment for merchants, and have lower costs than other options. Their potential impact will depend on technical capabilities and transaction fees, as competitors may lower fees in response. In closing, Newpharma sees opportunities for consumers and merchants but realizes adoption depends on several factors.
The document discusses trends towards faster payments in Europe and globally. It provides context on instant payments, defining them as payments that result in immediate or near-immediate crediting of the payee's account within seconds. Several countries have already implemented instant payment systems. The document outlines the development of the SCTinst scheme in Europe as well as countries' roadmaps for implementing instant payments, with many planning go-lives between 2017-2019. Faster payments are expected to impact other payment instruments like cards over time.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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."
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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.