USING NEW CHANNELS TO EXPAND MICROFINANCE SEVICESMABSIV
Mr. Melvin Yu of Cantilan Bank shares their technological development to illustrate how far banking technology has come – and what its implications have been during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Mobile Banking & Payments: Consumer Behavior in 2011Paul McAdam
Better technologies for mobile devices, proliferation of banking apps and increased consumer appetite for staying connected are converging to propel mobile banking penetration. On the technology device front, recent double-digit growth in smartphone adoption has enabled consumers to expand the activities they can perform via mobile phone connections — including banking online. One-half of smartphone owners have banked online with their mobile phones within the past 30 days vs. only 13 percent of those with conventional mobile phones with Internet access.
More than one-quarter of U.S. smartphone owners indicate they would be “extremely likely” or “very likely” to use mobile payment during the next year if new technology was available that enabled payment through a contactless reader at point-of-sale. That translates into an estimated 17 million plus consumers who are prepared to exchange their cash-and-card-laden wallets for a different payment method. Smartphone owners who are likely adopters of mobile payments differ in significant ways the general population of smartphone owners.
Learn more about how to phone-banking to build support for Yes We Can Columbus candidates. We'll share tools and resources for having meaningful conversations to build support with voters across Columbus.
Mobile Phone Banking Presentation at ChemonicsJohn Owens
This slideshow on private partnerships to facilitate mobile phone banking services for low-income households in the Philippines was presented at Chemonics International on January 30, 2009.
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
USING NEW CHANNELS TO EXPAND MICROFINANCE SEVICESMABSIV
Mr. Melvin Yu of Cantilan Bank shares their technological development to illustrate how far banking technology has come – and what its implications have been during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Mobile Banking & Payments: Consumer Behavior in 2011Paul McAdam
Better technologies for mobile devices, proliferation of banking apps and increased consumer appetite for staying connected are converging to propel mobile banking penetration. On the technology device front, recent double-digit growth in smartphone adoption has enabled consumers to expand the activities they can perform via mobile phone connections — including banking online. One-half of smartphone owners have banked online with their mobile phones within the past 30 days vs. only 13 percent of those with conventional mobile phones with Internet access.
More than one-quarter of U.S. smartphone owners indicate they would be “extremely likely” or “very likely” to use mobile payment during the next year if new technology was available that enabled payment through a contactless reader at point-of-sale. That translates into an estimated 17 million plus consumers who are prepared to exchange their cash-and-card-laden wallets for a different payment method. Smartphone owners who are likely adopters of mobile payments differ in significant ways the general population of smartphone owners.
Learn more about how to phone-banking to build support for Yes We Can Columbus candidates. We'll share tools and resources for having meaningful conversations to build support with voters across Columbus.
Mobile Phone Banking Presentation at ChemonicsJohn Owens
This slideshow on private partnerships to facilitate mobile phone banking services for low-income households in the Philippines was presented at Chemonics International on January 30, 2009.
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
A look at trends in mobile banking and whether a mobile app or mobile website makes more sense.
Lots of data from the Federal Reserve's March 2012 study.
Premier University
B.B.A
Assignment on: Mobile banking of bkash in Bangladesh
Submitted to
Prepared By
Md.Ariful Islam Saimon Chy
ID:1022114412 Phone :01673765551
E-mail : saimonchy28@yahoo.com
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
This presentation was made with the Presidents from five leading rural banks in the Philippines making use of mobile money transfer to facilitate greater access to banking services.
Opportunities for Rural Banks to Expand Microfinance Banking ServicesJohn Owens
This presentation was given during the Confederation of Southern Tagalog Rural Bankers Management Conference entitled "Gearing Up: Striking the Balance between Regulation and the Biz" on February 24, 2011. The overall theme was to explore new business opportunities that now exist in light of recent regulations in the Philippines. These new regulations will make it easier for rural banks to expand and offer new microfinance products and services in 2011.
Presentation on internship report of kailash bikas bankarzudhungana
Presentation on internship report helps to analyze faster than to study the whole documents of internship report. It includes capital structure and as well as ownership structure of KBBL.
Premier University
B.B.A
Assignment on: Mobile banking of bkash in Bangladesh
Submitted to
Prepared By
Md.Ariful Islam Saimon Chy
ID:1022114412 Phone :01673765551
E-mail : saimonchy28@yahoo.com
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
This presentation was made with the Presidents from five leading rural banks in the Philippines making use of mobile money transfer to facilitate greater access to banking services.
Opportunities for Rural Banks to Expand Microfinance Banking ServicesJohn Owens
This presentation was given during the Confederation of Southern Tagalog Rural Bankers Management Conference entitled "Gearing Up: Striking the Balance between Regulation and the Biz" on February 24, 2011. The overall theme was to explore new business opportunities that now exist in light of recent regulations in the Philippines. These new regulations will make it easier for rural banks to expand and offer new microfinance products and services in 2011.
Presentation on internship report of kailash bikas bankarzudhungana
Presentation on internship report helps to analyze faster than to study the whole documents of internship report. It includes capital structure and as well as ownership structure of KBBL.
New developments & directions in microfinanceJohn Owens
This presentation was made in front of the Mindanao Rural Bankers during their 31st Annual Conference in October 2011. It presents some of the new developments and directions that banks can take in offering new products and services in the Philippines.
RBAP Executive Director Vicente Mendoza shares how the MABS Program will continue and expand with RBAP and RBRDFI during the 2012 National Roundtable Conference on June 8.
The SMART Islands Activation Program Empowerment through Mobile BankingMABSIV
Mr. Jun Perez of SEEDFINANCE explains how their partnership with SMART in the Island Activation Program supports empowerment through mobile banking during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Preliminary Evaluation of Consumer Education Tools for Mobile Phone Banking: ...MABSIV
Microfinance Research Officer Craig Tower presents the preliminary results of the outcomes assessment of the Financial Education for Branchless Banking Project during the 2012 RBAP-MABS National Roundtable Conference on June 8.
MOBILE COMMERCE INNOVATIONS: NEW IDEAS & RETURNSMABSIV
GXI President Paolo Baltao announces the next generation GCASH mobile money services, which are expected to provide new features as well as create a more seamless experience for rural bank clients and GCASH users during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Lessons in Microinsurance Business ExpansionMABSIV
Mr. Gilbert Soliven of Progressive Bank shares how to effectively market and sell microinsurance products during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Bangko Kabayan President Francis Ganzon shares how to successfully choose a microinsurance provider during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Managing Director Zaldy W. Pacificar of Katipunan Bank shares the bank experience on providing microinsurance products and services to their clients during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Beyond SMS: Using Social Networks to Reach a Broader MarketMABSIV
MABS Chief of Party John V. Owens shares how banks could utilize social networks to broaden their microfinance market during the 2012 RBAP-MABS Nationa Roundtable Conference on June 8.
The Microfinance Data Sharing System (MiDAS)MABSIV
Ms. Patricia Calilong, BOT of the Rafael B. Buenaventura Foundation discusses the updates on the Microfinance Data Sharing System (MiDAS) during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Using the Credit Bureau: Experience from the FieldMABSIV
Credit Bureau Manager Mr. Manuel Batallones shares how credit bureau helps the banks in mitigating the risk of getting bororwers with negative credit history during the 2012 RBAP-MABS National Roundtable Conference on June 8.
MABS Deputy Chief of Party, Ms. Meliza Agabin shares how banks should use the MABS performance monthly reports to track the bank's performance and make informed decision during the 2012 RBAP-MABS Nationa Roundtable Conference on June 8.
Results of the Study on Multiple Lending and the Challenges Faced by BanksMABSIV
Mr. Ronald Chua of the Asian Institute of Managment shares the findings of the Study on Multiple Lending and the Challenges Faced by Banks during the 2012 RBAP-MABS National Roundtable Conference on June 8.
“SCORECARD” Incentive Remuneration System for MicrofinanceMABSIV
Ms. Vivian Lim of First Valley Bank shares their bank experience on using the EAGLE Scorecard to optimize the bank's microfinance operations during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Measuring Performance through the EAGLE Score CardMABSIV
MABS Microfinance Specialist, Ms. Jennifer Sabianan shares how to use the EAGLE Scorecard to measure the bank's microfinance performance during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Price Transparency and Microfinance Related RegulationsMABSIV
Mr. Gerardo Butardo of Bangko Sentral ng PIlipinas (BSP) discusses latest updates on price transparency and microfinance related regulations by the BSP during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Ms. Elizabeth Larson, the Regional Manager for Asia of Microfinance Information eXchange shares during the RBAP-MABS National Roundtable Conference how banks could use the MIX Market Report and updates on its developments.
Mr. Paolo Baltao, President of GXI, presents a preview of the new G-Xchange product called PowerPay Plus which links an ATM card to the GCASH wallets of employees who receive their payroll via GCASH.
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
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
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
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
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
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 website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
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 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
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.
3. Updates: Outreach
• RBs registered over 297,000 clients & CCT recipients
• Over PhP12 Billion ($260 million) in mobile phone banking
transactions via mobile money
4. Updates: Accreditation Training
• GCash Accreditation Training
• August 25, 2011 @ RBAP Boardroom, Luzon
• September 9. 2011 @ Diamond Suite, Cebu
• October 28, 2011 @ Montevista Villa, Mimosa Clark
• 1st Regional Smart Money Accreditation Training
• October 5, 2011 @ Naomi’s Botanical Garden, Ozamiz
SESSION 6
5. Updates: Channel Management Program
• 5 banks completed the 6-month pilot phase
• Lessons Learnt and achievements:
• Develop merchant-clients into an “Cash In/Cash Out agent”
• Expands geographic coverage without building infrastructure
• CICO agents decongest branch lobby
• CICO agents refer new customer segments to the bank
• Next Steps: rollout to interested mobile phone banking accredited
rural banks
SESSION 6
6. Determine MPB “Use Cases”
• Kapitbahay Banking “village banking”
• Make loan payments
• Pay employees’ salaries
• Pay utility bills via mobile phone
• Pay suppliers via GCASH
(not checks or cash)
• Send money to relatives
(remittance services)
• Provide info for a fee (balance
inquiry)
7. Updates: Financial Education
• RBAP-MABS started working on the Financial Education Program.
An effective FE Program can:
• Promote the benefits of shifting from traditional banking to
mobile phone banking faster;
• Address the misconceptions that hinder MPB uptake and
usage
• Be anchored on merchants, CICOs, resellers to teach clients
and recruit potential clients.
SESSION 6
8. Updates: Financial Education
• Develop financial education toolkit
• Select and train pilot banks (3 MPB accredited rural bank)
• Test FE Toolkit with bank staff, clients and merchants
• Conduct focus group discussions for staff and clients
• Revise FE Toolkit
Sample FE Toolkit
For Savings
SESSION 6