Closing keynote address to discuss how global mega trends will impact payments and commerce over the next 10 years. Presented by @kahinavandyke July 4, 2013, London, The Future of Cards and Payments Conference
IBM Retail | Meeting the demands of the smarter consumerIBM Retail
New technologies and socioeconomic trends are changing the retail marketplace. Discover the survey results of over 32,000 consumers to find out how their buying behaviors are evolving and what smarter consumers will demand from retailers in the future.
Il mercato dei pagamenti offre oggi svariate possibilità. Se un tempo erano disponibili solo contante ed assegni, oggi una moltitudine di nuove opzioni è a disposizione dei Clienti per supportarli nell’acquisto di beni e servizi. Tecnologia, aspettative progressivamente crescenti dello shopper e cambiamenti socio-demografici stanno impattando notevolmente l’esperienza d’acquisto, con effetto anche sul servizio atteso in termini di supporto al pagamento. Ed allora i benefici che la tecnologia offre devono rispondere ad esigenze chiare, offrendo benefit rilevanti all’occasione d’uso.
Si illustra un estratto dei risultati di un’interessante indagine effettuata in Gran Bretagna, sull’evoluzione dell’ecosistema dei pagamenti.
Macro trends consumer insights and brand opportunities in the 2010sJessica Oliver
Presentation from Warc on consumer behaviour and brand opportunities. This focuses on factors currently affecting consumer lives and the impact this has on consumer behaviour. The presentation also explores changes to the media environment and winning strategies from successful brand owners including Nike, IBM and BMW.
IBM Retail | Meeting the demands of the smarter consumerIBM Retail
New technologies and socioeconomic trends are changing the retail marketplace. Discover the survey results of over 32,000 consumers to find out how their buying behaviors are evolving and what smarter consumers will demand from retailers in the future.
Il mercato dei pagamenti offre oggi svariate possibilità. Se un tempo erano disponibili solo contante ed assegni, oggi una moltitudine di nuove opzioni è a disposizione dei Clienti per supportarli nell’acquisto di beni e servizi. Tecnologia, aspettative progressivamente crescenti dello shopper e cambiamenti socio-demografici stanno impattando notevolmente l’esperienza d’acquisto, con effetto anche sul servizio atteso in termini di supporto al pagamento. Ed allora i benefici che la tecnologia offre devono rispondere ad esigenze chiare, offrendo benefit rilevanti all’occasione d’uso.
Si illustra un estratto dei risultati di un’interessante indagine effettuata in Gran Bretagna, sull’evoluzione dell’ecosistema dei pagamenti.
Macro trends consumer insights and brand opportunities in the 2010sJessica Oliver
Presentation from Warc on consumer behaviour and brand opportunities. This focuses on factors currently affecting consumer lives and the impact this has on consumer behaviour. The presentation also explores changes to the media environment and winning strategies from successful brand owners including Nike, IBM and BMW.
According to a new study from the Google Shopper Council, a group of shopper marketing experts, 84 percent of mobile shoppers use their phones to assist them in their shopping while in physical stores.
Womenomic Luxury, Cognitive Technology, New Wave Boomer Beauty—just a few items from our Future 100 list of what’s next in the year ahead.
It’s a wide-ranging compilation that reflects developments surfacing across sectors including technology, retail, food and beverage, travel, sustainability and luxury. The list also includes new types of goods or businesses, new behaviors and ideas with the potential to ladder up to bigger trends.
In this end of year report we highlight some of the key trend narratives and events that we think will be shaping the consumer landscape in the coming year as well as signposting the global economic outlook. We also review some of the biggest and most significant trend shifts and insights from 2013, identifying what happened across areas such as retail, technology and finance. Find out more about us at futurefoundation.net
It’s a new era—welcome to the Control Shift. Exchanging data for utility, people are delegating an increasing amount of control over their lives to technology. Brands can capitalize on this societal change by positioning themselves as trusted partners and fostering consumer empowerment.
Social network & Digital Payment in China 2017Dao Phuong Nam
The rapid growth of social networks and e-commerce
platforms has transformed the way people communicate
and transact around the world. Integrating digital payments
into these growing networks and platforms has presented
vast opportunities to drive economic opportunity, financial
inclusion, transparency, security, and growth. In practically
all countries individuals, businesses, and policymakers are
recognizing these opportunities and acting on them, but
perhaps nowhere more so than in China.
This report examines two of China’s most far-reaching
applications – WeChat and Alipay – and explores their
role in the development of one of the world’s largest and
most sophisticated digital payments ecosystems. The
report illustrates how incorporating digital payments
into existing services has unlocked economic opportunities
for hundreds of millions of users, including through
low-risk savings accounts, new credit assessment and
lending services, and by opening up new markets for
micro, small, and medium enterprises
Sharing is the New Buying: How to Win in the Collaborative EconomyJeremiah Owyang
Crowd Companies, a brand council founded by Jeremiah Owyang primarily focusing on the collaborative economy movement, and Vision Critical, the leading provider of insight community technologies, have exclusively partnered to release a groundbreaking report, “Sharing is the New Buying” that for the first time maps the size and characteristics of the movement. Based on responses from more than 90,000 Internet users across the U.S., U.K. and Canada, the report concludes that sharing online is mainstream, growing, practical and satisfying, and has become a competitive threat to large corporations. Report includes: Introduction and summary. Breakdown of the three groups of sharing customers. Market adoption rates, forecast and growth rates. Taxonomy of the market. Breakdown by demographic: age, location, political party, marriage status and more. Satisfaction rates of sharing services. Forecast of future behaviors. Recommendations for corporations: market opportunities, and specific departmental impacts.
Introducing thegen-narrators - Good RebelsGood Rebels
The Millennial generation will have a bigger impact on the future of media over the next five years than any other demographic group. But a new Economist Group study finds many misconceptions about this group when it comes to their attitudes, media habits and their understanding of the relationship between media and marketing.
Sharing is the New Buying: How to Win in the Collaborative Economy [INFOGRAPH...Vision Critical
In the Collaborative Economy, people can get what they need from each other—rather than buying from established brands. Businesses need to understand this emergent market in order to embrace the opportunities it offers.
In partnership with Jeremiah Owyang of Crowd Companies, Vision Critical asked 90,112 people in the US, Canada and the UK about their participation in the Collaborative Economy. These infographics show our report's key findings.
To read the full report: http://bit.ly/SharingNewBuyingSH
Face of Today's Consumer: 2010 Trend ReviewK Anggakara
What drives consumer to go wow nowadays? Business must acknowledge that in 2010, the face of consumer has changed in an extent never seen before!, the presentation offer a view on the consumer trend and how business gel-in to the matter.
Mobile Payments: Balancing User Experience & Effective Risk ManagementGeo Coelho
IdentityMind's presentation on balancing User Experience and Effective Risk Management from our joint presentation with Mozido at ETA's TRANSACT15 Conference in San Francisco, April 1, 2015.
This presentation focuses on specific challenges in mobile commerce, and the importance of leveraging consumer data and behavior throughout the transaction to compensate for the shortcomings of traditional fraud analysis in these new environments.
Mobile commerce is growing rapidly worldwide, and growing fastest in unbanked and underbanked demographics. Merchants and Financial Institutions wanting to take advantage of this explosive growth will have to face the technical challenges of mobile- as well as the added risk of servicing these demographics, where a typical lack of industry-reference data is often compounded by a lack of reliable user information.
Together, Mozido and IdentityMind have partnered to create an end-to-end solution to mitigate risk while bringing mobile financial services to global audiences. This solution combines Mozido’s MoTEAF™ Mobile Ecosystem with IdentityMind’s eDNA™ identity-based risk management to leverage consumer data and behavior, and reduce risk at every step of the transaction lifecycle.
Understanding Consumers and Cross-Border E-Commerce in MexicoFiroz Patel
Today, the largest e-commerce market in Latin America is Brazil, but when it comes to long-term potential for cross-border merchants, Mexico is the market to watch. Though cross-border commerce is low compared to Brazil, Mexico’s e-commerce market is growing at a rate of over 21%, nearly double the global average.
21st century smart digital infrastructure changes the way we manage, power and move economic life. We should consider innovation as an opportunity to move forward.
A general report that looks at the communication and marketing trends happening in the market. Report covers both technology factors and consumer trends, and how these two areas are converging like never before.
According to a new study from the Google Shopper Council, a group of shopper marketing experts, 84 percent of mobile shoppers use their phones to assist them in their shopping while in physical stores.
Womenomic Luxury, Cognitive Technology, New Wave Boomer Beauty—just a few items from our Future 100 list of what’s next in the year ahead.
It’s a wide-ranging compilation that reflects developments surfacing across sectors including technology, retail, food and beverage, travel, sustainability and luxury. The list also includes new types of goods or businesses, new behaviors and ideas with the potential to ladder up to bigger trends.
In this end of year report we highlight some of the key trend narratives and events that we think will be shaping the consumer landscape in the coming year as well as signposting the global economic outlook. We also review some of the biggest and most significant trend shifts and insights from 2013, identifying what happened across areas such as retail, technology and finance. Find out more about us at futurefoundation.net
It’s a new era—welcome to the Control Shift. Exchanging data for utility, people are delegating an increasing amount of control over their lives to technology. Brands can capitalize on this societal change by positioning themselves as trusted partners and fostering consumer empowerment.
Social network & Digital Payment in China 2017Dao Phuong Nam
The rapid growth of social networks and e-commerce
platforms has transformed the way people communicate
and transact around the world. Integrating digital payments
into these growing networks and platforms has presented
vast opportunities to drive economic opportunity, financial
inclusion, transparency, security, and growth. In practically
all countries individuals, businesses, and policymakers are
recognizing these opportunities and acting on them, but
perhaps nowhere more so than in China.
This report examines two of China’s most far-reaching
applications – WeChat and Alipay – and explores their
role in the development of one of the world’s largest and
most sophisticated digital payments ecosystems. The
report illustrates how incorporating digital payments
into existing services has unlocked economic opportunities
for hundreds of millions of users, including through
low-risk savings accounts, new credit assessment and
lending services, and by opening up new markets for
micro, small, and medium enterprises
Sharing is the New Buying: How to Win in the Collaborative EconomyJeremiah Owyang
Crowd Companies, a brand council founded by Jeremiah Owyang primarily focusing on the collaborative economy movement, and Vision Critical, the leading provider of insight community technologies, have exclusively partnered to release a groundbreaking report, “Sharing is the New Buying” that for the first time maps the size and characteristics of the movement. Based on responses from more than 90,000 Internet users across the U.S., U.K. and Canada, the report concludes that sharing online is mainstream, growing, practical and satisfying, and has become a competitive threat to large corporations. Report includes: Introduction and summary. Breakdown of the three groups of sharing customers. Market adoption rates, forecast and growth rates. Taxonomy of the market. Breakdown by demographic: age, location, political party, marriage status and more. Satisfaction rates of sharing services. Forecast of future behaviors. Recommendations for corporations: market opportunities, and specific departmental impacts.
Introducing thegen-narrators - Good RebelsGood Rebels
The Millennial generation will have a bigger impact on the future of media over the next five years than any other demographic group. But a new Economist Group study finds many misconceptions about this group when it comes to their attitudes, media habits and their understanding of the relationship between media and marketing.
Sharing is the New Buying: How to Win in the Collaborative Economy [INFOGRAPH...Vision Critical
In the Collaborative Economy, people can get what they need from each other—rather than buying from established brands. Businesses need to understand this emergent market in order to embrace the opportunities it offers.
In partnership with Jeremiah Owyang of Crowd Companies, Vision Critical asked 90,112 people in the US, Canada and the UK about their participation in the Collaborative Economy. These infographics show our report's key findings.
To read the full report: http://bit.ly/SharingNewBuyingSH
Face of Today's Consumer: 2010 Trend ReviewK Anggakara
What drives consumer to go wow nowadays? Business must acknowledge that in 2010, the face of consumer has changed in an extent never seen before!, the presentation offer a view on the consumer trend and how business gel-in to the matter.
Mobile Payments: Balancing User Experience & Effective Risk ManagementGeo Coelho
IdentityMind's presentation on balancing User Experience and Effective Risk Management from our joint presentation with Mozido at ETA's TRANSACT15 Conference in San Francisco, April 1, 2015.
This presentation focuses on specific challenges in mobile commerce, and the importance of leveraging consumer data and behavior throughout the transaction to compensate for the shortcomings of traditional fraud analysis in these new environments.
Mobile commerce is growing rapidly worldwide, and growing fastest in unbanked and underbanked demographics. Merchants and Financial Institutions wanting to take advantage of this explosive growth will have to face the technical challenges of mobile- as well as the added risk of servicing these demographics, where a typical lack of industry-reference data is often compounded by a lack of reliable user information.
Together, Mozido and IdentityMind have partnered to create an end-to-end solution to mitigate risk while bringing mobile financial services to global audiences. This solution combines Mozido’s MoTEAF™ Mobile Ecosystem with IdentityMind’s eDNA™ identity-based risk management to leverage consumer data and behavior, and reduce risk at every step of the transaction lifecycle.
Understanding Consumers and Cross-Border E-Commerce in MexicoFiroz Patel
Today, the largest e-commerce market in Latin America is Brazil, but when it comes to long-term potential for cross-border merchants, Mexico is the market to watch. Though cross-border commerce is low compared to Brazil, Mexico’s e-commerce market is growing at a rate of over 21%, nearly double the global average.
21st century smart digital infrastructure changes the way we manage, power and move economic life. We should consider innovation as an opportunity to move forward.
A general report that looks at the communication and marketing trends happening in the market. Report covers both technology factors and consumer trends, and how these two areas are converging like never before.
Dr. Benedikt Köhler - The Numbers reveal: Is Social Media/web2.0 another fad ...Arjen Strijker
International research on the current revolutionary media trends and an outline to the new ground rules corporations now have to learn.
Dr. Benedikt Köhler - Director Digital Strategy & Research, Ethority
More: http://somesso.com/blog/2009/11/social-media-is-here-to-stay/
Retail is changing fast. Customers are embracing digital and behaving in more complex and challenging ways. They are shopping everywhere and at any time. They research and compare. They want to make their own versions of the product. They want to know how things are made.
Companies need to start tailoring people retail experiences.
A co-creation with Maria Lumiaho, at Futurice.
Retail is changing fast. Customers are embracing digital and behaving in more complex and challenging ways. They are shopping everywhere and at any time. They research and compare. They want to make their own versions of the product. They want to know how things are made.
Companies need to start tailoring people's retail experiences.
Presented at Service Design Drinks Helsinki, 14.2.2015.
With a population of over 1.3 billion, not only does China have more Internet users than any other country, but 81.4% of Chinese consumers age 18-54 say surfing the Internet is a favorite way to spend free time.
There’s a major transformation happening between people and their relationships to their money, a transformation enabled by the arrival of mobile payments (mPayments). The magnitude of this change—and the disruption—will greatly impact consumers, banks, retailers, merchants and wireless carriers, among others, and will be felt across the globe.
We have identified eight major trends that comms and marketing professionals need to be thinking about for 2016. For more details, visit www.grayling.com/global/insights
Harnessing Social and Mobile to Court the Digital ConsumerCognizant
Our recent research shows the myriad ways that digital consumers are increasingly incorporating social and mobile technologies into their shopping and buying experiences.
Future of identity Singapore - 3 july 2015 lrFuture Agenda
As part of the global future agenda programme we are adding in an extra event in Singapore on 3 July. This is focused on the future of identity and draws together different issues raised about this and related topics from several strands of the future agenda events to date. The aim of the event is to critique, enhance, add and build a clearer view of how our views of identity and loyalty, especially to sport and faith, will change over the next decade and what will be some of the key impacts and implications. This documents is the starting point for this discussion.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
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 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
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.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
2. The Small print.
• I can not predict the future. These opinions
are solely my own. They are potential outcome
scenarios that may or may not materialize.
• I would like to take you on a short journey with
me for the next few minutes on what the future
may look like.
4. The last decade was exciting. London got
tapping… New York, Hong Kong, Seoul.
Oyster was born in June 2003.
4
NYC Taxis in 2008.
5. We got liking… the definition of a friend
expanded.. exponentially.
Facebook born in 2004.
5
6. Tweeting
present participle of tweet (Verb)
Verb
1. Make a chirping noise.
2. Make a posting on the Twitter social networking site.
Twitter launched in 2006
6
We got tweeting… and conversations got shorter
7. So, what is next?
In our world.. Just 10 Years Ago..
─ There was no FaceBook (2004).
─ There was no Twitter (2006).
─ There was no iPhone (2007) or iPad (2010)
─ There were 53MM mobile phone connections in Africa.
─ The average GDV per capita of Brazil was $2,900
─ Travel/mileage/points collection was the dominant payments loyalty strategy.
─ Nokia was the #1 Handset provider globally with 35% share.
─ This year mobile devices will outnumber human beings.
─ Yes, digital mass adoption and convergence has arrived.
15. Trend 2: Commerce Democratization
─ Provides access to commerce for billions of people to easily sell and to buy across
devices, locations, currencies.
─ Convergence of identity, payments and connectivity. The wallet and the purse go truly
digital.
─ Connectivity backlash will spur “anonymity seekers” and “disconnect value proposiitons”
Anonymous platforms continue to emerge.
─ The GC (global connectivity) creates greater transparency and competition on supply
chain pricing, focusing more on the non-commoditized value. Ie. Local, socially or
community relevant.
─ Empowered, informed and demanding consumers will want to determine the brand
experience and the value that is relevant to them. Brands compete on the consumer
experience pushing technology platform development.
─ The global commerce platform requires device-agnostic solutions. The device choice
stays with the consumer.. phones, tablets, wearables, glasses, electronics, “refrigerators
that shop”, “cars that talk”
─ A shared freedom of speech/opinion/reviews environment continues to be top
influencer in buying decision.
─ Increased customer power will evolve the brand experience, the brand offer and the
brand profit segmentation. Highly relevant and highly loyal customers become brand
ambassadors.
16. Convergence of platforms,
data and technology create a
shift in traditional loyalty and
brand engagements.
16
Micro Engagement
aka
It is all about ME
17. Trend 3: Micro vs. Macro Loyalty
• The new empowered customer expects you to know them on a personal basis, they
have all their life on the web.
• In this new paradigm of open-ness and transparency… Loyalty moves away from large
scale one size fits all programs
• Loyalty converges with big data and to deliver highly contextually and highly tailored
offers
• Loyalty is earned by the brand upfront versus the consumer after xx purchases or xx
spend – Consumer potential is fully recognized and accurately forecasted.
• Ongoing self-service retail environments will utilize the consumer connection to check-
out, to pay and tailor the shopping experience. Personal coupon.
• Individual consumer understands their worth and wants an enhanced experience in
return for loyalty
• Brands become reliant on social media and aggregate individual experiences to attract
like-minded consumers
• Consumer empowerment may move to a feeling of consumer ownership in the loyalty /
offer experience. Will they trade behaviors, preferences, social network
recommendations for greater value and brand relevant access.
• Brands will become more reliant on strategic analytics in concert with social media to
determine segment investment for existing and new customer attraction.
18. The global middle class is
coming and they will change
everything.
18
Next 2 Billion
23. Trend 4: The next 2 Billion…
─ There are roughly 2B people outside of the financial and payment system.
─ Current financial inclusion initiatives both public and private are targeting 500MM.
─ They will form the new global middle class of the next 15-25 years.
─ They have enormous swarm buying power.
─ They will have recognized access to financial dignity with national identity programs.
─ They will demand new products and services currently not available to them from large
scale consumer brand providers.
─ They will be able to educate their children through their internet devices regardless of
location, and have greater aspirations for them.
─ They will expect both clean water and a smart phone.
─ They will better understand their role in the value chain which will impact market pricing..
─ The world will never be the same with unprecedented poverty reduction, educational
achievement, and access to healthcare.
─ For the first time, the majority of the world will be middle class and poverty as we know
it will disappear.
─ Payments is key to the new Global Marketplace: Global networks, brands, technology
enablers are driving at lightening speed to this new future.