The card remains in a strong position in Norway with only 6% of the population using cash on a daily basis, and most possessing a minimum of two payment cards. Although the market is one of the most mature in the world – there are 126 POS terminals per person. Contactless cards, introduced in 2014, have witnessed a fast uptake with 40% of Norwegians now possessing one.
Bank challengers in Europe keep growing very fast. Only the eight major players*, including Revolut, N26, TransferWise, Monzo, Monese, Starling, Curve, and Tandem served nearly 27 million customers as of the end of 2019. In fact, their number of clients has increased exponentially as the figure doubled every year since 2016. Considering current trends, it can be expected that the selected group of bank challengers will get over 50 million clients by 2021. And, this is only a part of the broader market since there are dozens of other players across Europe already operating or planning a launch.
Digital Innovation Digest by Initio. News about innovation in Finance industry. This month: "Orange Bank, the beginning of the end?", and "Shared Bank agency".
The card remains in a strong position in Norway with only 6% of the population using cash on a daily basis, and most possessing a minimum of two payment cards. Although the market is one of the most mature in the world – there are 126 POS terminals per person. Contactless cards, introduced in 2014, have witnessed a fast uptake with 40% of Norwegians now possessing one.
Bank challengers in Europe keep growing very fast. Only the eight major players*, including Revolut, N26, TransferWise, Monzo, Monese, Starling, Curve, and Tandem served nearly 27 million customers as of the end of 2019. In fact, their number of clients has increased exponentially as the figure doubled every year since 2016. Considering current trends, it can be expected that the selected group of bank challengers will get over 50 million clients by 2021. And, this is only a part of the broader market since there are dozens of other players across Europe already operating or planning a launch.
Digital Innovation Digest by Initio. News about innovation in Finance industry. This month: "Orange Bank, the beginning of the end?", and "Shared Bank agency".
Bassilichi is a recognized player in Business Process Outsourcing (BPO), and serves as astrategic partner for Banks, Industries and Public Administrations thanks to an offering that covers the following three areas: Monetics, Security and Back office.
EU Pays has been a reliable & affordable payment gateway service provider to varied business segments comprising of payment gateway solutions for tech support, thereby providing quality payment gateway services for technical support business.
Fraud Prevention in International CommerceSecure Trading
SecureTrading's Head of Sales & Marketing, Tim Allitt's presentation to the BT Fresca client conference on 25th May 2011. Tim presented to over 75 retailers about the benefits of 3-D Secure, International Payment methods and current counter-fraud measures.
Hong Kong company with Hong Kong bank account, multi-currency and internet
banking, debit card with access to 350’000 ATMs in the world
The beneficial owner is the director and shareholder of the Hong Kong Company; he or
she appears on a register of directors and shareholders which is publicly accessible on
internet for a small fee
The company has an address in Central Hong Kong, a company logo with letterhead,
invoices format and business cards as well as email account under the company name.
Company secretary position is held by Accoplus Corporate Services
Features:
Self Adjusting Tracking Radar Programmable (recommended) and Simple push-button calibration Output 4-20 mA/ 20-4mA (Isolated on 4 Wire Model's only ) Optional RS232 OR RS485 For communications with calibration diagnostics & data logging software PL Compatible (Modbus RTU) Three or four Wire Operation
Application:
1) Food and Beverages Water / Wastewater Chemicals with vapors
2) Solids with Dust Powder
Mechanical:
Conduit Entry : 1/2" NPT x 2
Enclosure : Aluminum or S.S-94V0
Ingress Protection : NEMA4 (IP65)Type 4/4X
Environmental:
Temperature : -40to 140 F (-40 to 60 C)
Approvals : FCC Part 15 - Low communication device
Installation category: class II
Process:
Temperature PP Rod : - 40 to 176 F (-40 to 80 c)
De-coupler & PTFE Rod - 40 to 350 F(-40 to 177 c)
Material Dielectric : Er >2
Max. Pressure : 5 bar (without De-coupler)
For very dusty applications divide max. range by two.
Est24. presentación ebury + caso estudio componentes eléctricos. ppteburymarketing
Soluciones de gestión de divisas personalizadas. ¿Cómo una empresa importadora de China minimiza el riesgo de tipo de cambio de sus pagos internacionales?
Est24. presentación ebury + caso estudio componentes eléctricos (2)eburymarketing
Soluciones de gestión de divisas personalizadas. ¿Cómo una empresa importadora de China minimiza el riesgo de tipo de cambio de sus pagos internacionales?
Money & Bitcoin & the Cloud: It's all just data streams, anyway!Cloud Elements
Michael Schonfeld, developer evangelist at Dwolla. Money and the Cloud: It's all just data streams, anyway. Moving money should be just as easy as moving bytes. So why do we keep struggling with 40 year old COBOL-written financial systems? Could this be why Bitcoins have picked up all this momentum? Come take an inside look at how Dwolla is changing a long-stagnated banking industry that is governed by ancient misguided notions of profit.
Bassilichi is a recognized player in Business Process Outsourcing (BPO), and serves as astrategic partner for Banks, Industries and Public Administrations thanks to an offering that covers the following three areas: Monetics, Security and Back office.
EU Pays has been a reliable & affordable payment gateway service provider to varied business segments comprising of payment gateway solutions for tech support, thereby providing quality payment gateway services for technical support business.
Fraud Prevention in International CommerceSecure Trading
SecureTrading's Head of Sales & Marketing, Tim Allitt's presentation to the BT Fresca client conference on 25th May 2011. Tim presented to over 75 retailers about the benefits of 3-D Secure, International Payment methods and current counter-fraud measures.
Hong Kong company with Hong Kong bank account, multi-currency and internet
banking, debit card with access to 350’000 ATMs in the world
The beneficial owner is the director and shareholder of the Hong Kong Company; he or
she appears on a register of directors and shareholders which is publicly accessible on
internet for a small fee
The company has an address in Central Hong Kong, a company logo with letterhead,
invoices format and business cards as well as email account under the company name.
Company secretary position is held by Accoplus Corporate Services
Features:
Self Adjusting Tracking Radar Programmable (recommended) and Simple push-button calibration Output 4-20 mA/ 20-4mA (Isolated on 4 Wire Model's only ) Optional RS232 OR RS485 For communications with calibration diagnostics & data logging software PL Compatible (Modbus RTU) Three or four Wire Operation
Application:
1) Food and Beverages Water / Wastewater Chemicals with vapors
2) Solids with Dust Powder
Mechanical:
Conduit Entry : 1/2" NPT x 2
Enclosure : Aluminum or S.S-94V0
Ingress Protection : NEMA4 (IP65)Type 4/4X
Environmental:
Temperature : -40to 140 F (-40 to 60 C)
Approvals : FCC Part 15 - Low communication device
Installation category: class II
Process:
Temperature PP Rod : - 40 to 176 F (-40 to 80 c)
De-coupler & PTFE Rod - 40 to 350 F(-40 to 177 c)
Material Dielectric : Er >2
Max. Pressure : 5 bar (without De-coupler)
For very dusty applications divide max. range by two.
Est24. presentación ebury + caso estudio componentes eléctricos. ppteburymarketing
Soluciones de gestión de divisas personalizadas. ¿Cómo una empresa importadora de China minimiza el riesgo de tipo de cambio de sus pagos internacionales?
Est24. presentación ebury + caso estudio componentes eléctricos (2)eburymarketing
Soluciones de gestión de divisas personalizadas. ¿Cómo una empresa importadora de China minimiza el riesgo de tipo de cambio de sus pagos internacionales?
Money & Bitcoin & the Cloud: It's all just data streams, anyway!Cloud Elements
Michael Schonfeld, developer evangelist at Dwolla. Money and the Cloud: It's all just data streams, anyway. Moving money should be just as easy as moving bytes. So why do we keep struggling with 40 year old COBOL-written financial systems? Could this be why Bitcoins have picked up all this momentum? Come take an inside look at how Dwolla is changing a long-stagnated banking industry that is governed by ancient misguided notions of profit.
April 2014, our CEO Michael Laven was asked to present at the DigitalTech conference in London. This is an overview to the Currency Cloud proposition, segments, technology and management team. To learn more, visit www.thecurrencycloud.com
eWallets
Easy and secure to use, this
is quickly growing payment
method becoming
increasingly popular across
all sectors. Consumers can
either use stored value or
take funds from a payment
type linked to their eWallet,
giving them choice and
convenience.
eInvoices
When using eInvoices,
consumers can pay for
goods after delivery,
without sharing credit card
or bank details.
It can be as simple as
entering their email
address and postcode to
make a payment.
A presentation highlighting some of the problems with banking technology and how new Financial Technology start ups are tranforming financial services for the better.
How to Become a Thought Leader in Your NicheLeslie Samuel
Are bloggers thought leaders? Here are some tips on how you can become one. Provide great value, put awesome content out there on a regular basis, and help others.
The Most Recommended Fintech Solution Providers 2020The Business Fame
"Welcome to The Business Fame’s exclusive edition, "The Most Recommended Fintech Solution Providers 2020" is our annual feature of the most Recommended Fintech solution providers in today's rapidly growing technology sector. Read on to meet these disruptors, innovators and prepare to be get inspired."
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Mercury Processing Services International is an ever growing and innovative company and here you can find out more about their interests, goals and achievements.
The Novatti International Remittance solution is a stored value account system that creates a “digital wallet” linked to a consumer’s mobile phone that is reliable and easy to use. The application enables a mobile phone to become a secure transaction gateway. In conjunction with operators and banks, this can be used to provide mobile money transfer, remittance and other mobile money services.
Business rules include:
• Minimum & maximum transaction value limits
• Transaction types available
• Fees & commissions for cash-in and cash-out agents
• Settlement frequency with external agencies
• Periodic transaction control limits (daily, weekly, monthly)
• and many more...
If you are looking for highly configurable solution for your remittance offer, then look no further!
Novatti International Remittance brochureselnekave
The Novatti International Remittance solution is a stored value account system that creates a “digital wallet” linked to a consumer’s mobile phone that is reliable and easy to use. The application enables a mobile phone to become a secure transaction gateway. In conjunction with operators and banks, this can be used to provide mobile money transfer, remittance and other mobile money services.
Business rules include:
• Minimum & maximum transaction value limits
• Transaction types available
• Fees & commissions for cash-in and cash-out agents
• Settlement frequency with external agencies
• Periodic transaction control limits (daily, weekly, monthly)
• and many more...
If you are looking for highly configurable solution for your remittance offer, then look no further!
The 10 most innovative business leaders making a difference in 2021 (1)Swiftnlift
specialize in connecting corporate #buyers and sellers, enabling businesses to #economically and efficiently #export and import goods and services.
With The Special Edition Of The 10 Most Innovative Business Leaders Making A difference in 2021, We Have Feature Euro Exim Bank On Our Cover Page.
The bank account is the hub of the financial life of consumers, and 95% of all Europeans have a bank account.
Trustly’s vision is to make bank payments simpler and easier for everyone, and we are now finally European for real – today available in 29 markets in Europe.
Similar to MONEYPOLO Presentation-ENG-4.11.15 (20)
2. PAGE/01
INTRO
MoneyPolo® is a registered trademark owned by the UK-based company
Mayzus Financial Services Ltd., operating under the licence by the
Financial Conduct Authority (FCA).
PAGE/01
1.0
3. PAGE/02
INTRODUCTION
Mayzus Financial Services has built a successful brand, MoneyPolo , with a
wide range of products and services. Since its launch in 2009 the business has
grown significantly with its commitment to low cost services for
the unprivileged classes in the society and its cost-efficient services for
businesses. With Mayzus Financial Services has determination and committed
focus on payment services, pre-pay card solutions, foreign currency for bill
payments, and money transfer.
It has established itself as a respected and trusted partner to some 200,000
customers all over the world.
MoneyPolo provides the unique networking software for all major money
transfers players, easy to implement into the in-house solutions via API or
used immediately through the web application.
1.1
4. PAGE/03
LICENCE COVERING ALL EEA
COUNTRIES ...AND BEYOND
1.2
Existing branches
Prospects for 2015
The countries supporting
the MoneyPolo direct bank deposit
5. PAGE/04
The MoneyPolo branches are open and successfully operate in the
following countries:
MoneyPolo Partners Network coverage:
Asia, Latin America, Africa, CIS, USA
THE MONEYPOLO DIRECT
CORRIDORS
1.3
e Czech Republic Great Britain Mongolia Germany
Slovakia Sweden Vietnam e Philippines
6. PAGE/05
DEVELOPMENT RATES.
IT MAY SEEM IMPOSSIBLE.
May 2011
• MoneyPolo brand launch
• Opening the first money transfers office in Prague, Czech Republic
May 2012
• 33 local agents in Czech Republic
• Licence extension to Authorised Payment Institution
May 2013
• 150,000 customers
• MoneyPolo money transfers can be withdrawn in more than 700 locations
across the Czech Republic
May 2014
• New Visa Programm launch (USD, EUR, GBP), extending MoneyPolo
presence in the UK (new partner’s offices)
May 2015
• Opens in 3 new countries: Sweden, Germany, Slovakia
• Card acquiring project launch
1.4
7. PAGE/06
PARTNER-
SHIP
SCENARIOS
-MoneyPolo cash transfers agent (operates under the MoneyPolo brand)
-MoneyPolo cash transfers partner (expands the MoneyPolo partner network)
-Payroll MoneyPolo card programme partner
-MoneyPolo payment solution user (payment gate)
2.0
PAGE/05
8. PAGE/07
PARTNERSHIP2.1
The structure of MoneyPolo parner’s network
Our partners come from all the walks of life. And there is no surprise they
choose us: we offer a flexible solution, our licence covers most of the types of
activities - so, a company of any size will find definitive benefits in cooperation
with MoneyPolo. Our legal team is strong and solid and presents the best of
its profession in the UK.
CASH TRANSFERS AGENT
CASH TRANSFERS PARTNER
PAYROLL CARD PROGRAMME PARTNER
PAYMENT SOLUTION USER
58%
27%
12%
3%
9. PAGE/08
CORE
PRODUCTS
3.0
PAGE/07
MoneyPolo offers a range of services for both individual and
corporate customers.
80% OF OUR PARTNERS eventually become our
customers. And vise versa.
For all our services we provide an easy-to-use API,
necessary documentation and examples for implementation
in several programming languages.
10. PAGE/09
CORE PRODUCTS3.1
PRINCIPLE PRODUCT:
Cash Transfers (A service mostly used for sending money to family in other
countries)
Prepaid Cards (Enables customers to purchase goods online and manage
their budgets as they need a MasterCard or a Visa without the trap of debt or
unexpected credit card bills)
Payment Accounts (Enables customers to pay bills when they are unable to
use their banks due costs of currency issues)
Multi-currency Account (Enables customers to hold money in 128 different
currencies without having to open separate accounts for each each currency)
Forex Services (Enables customers to get their money converted into foreign
currency and store for use through either bill payment or money transfer)
11. PAGE/010
WHO ARE OUR CUSTOMERS
CORE CUSTOMER GROUPS
Customers generally fall into one of 3 categories:
• individual
• small businesses
• corporate businesses
Whilst these often expand in to groups within groups it is important to not
lose the overriding principles that will provide targeted products and solutions
to these customers.
3.2
12. PAGE/11
CORE CUSTOMER GROUPS
Individuals – Are customers that have specific need that MoneyPolo can
fulfil but unlike business customers they will generally come from low income
areas, and will be low value customers with the exception of high net worth
individuals such as millionaires who will be likely to take up more services from
MoneyPolo.
Small Businesses – These customers are typically businesses that have
fewer than 10 staff and less than £2 million profit turnover, not dissimilar to
Individuals that are high net worth but there are some exceptions such as
holding companies, trusts, and charities where the staff numbers are greater
but if the profit is in excess of £2million these would be Corporate customers.
Corporate Businesses – These businesses will tend to have in excess of 10
staff but not always the key contributor as the profit turnover exceeding £2
million these businesses will have need of much wider scoping service needs
and product demand.
3.3
13. PAGE/012
SERVICE
REVIEW
MONEYPOLO CASH MONEY TRANSFERS
At the moment, MoneyPolo has a possibility to send and receive money
transfers from/to more than 130 countries around the world.
4.0
PAGE/11
14. PAGE/13
SERVICE REVIEW
MoneyPolo provides non-standard ways to send cash and bank transfers
through self-service terminals and online, from the personal secured account.
It also supports transfers without proper address specification.
In July 2011 the first office of the international money transfer system
MoneyPolo in Prague has been opened. In Czech Republic, money transfers
can be made in cash or through bank accounts. It is also possible to pay out
money transfer by cheque or towards a bank account within United Kingdom
bank system.
In 2012 the number of MoneyPolo’s partners started to swiftly grow. Now,
we have around 60 partners all over the world and we are able to send and
receive money in more than 400 000 branches.
In 2014 The World Bank published statistics of money transfers for the forth
quarter of the year, placing MoneyPolo as the number one money transfer
service provider for transfers to Vietnam and Ukraine.
4.1
15. PAGE/14
CASH TRANSFERS.
WHY MONEYPOLO?
Focusing on offering a high quality, efficient, and convenient service, MoneyPolo
continues to increase the number of its representatives all over the world.
Our key points, helping us to develop fast, are:
• trustworthy brand
• profitable tariffs
• safety
• convenience
• efficient procedures of AML control
MoneyPolo offers a possibility of individual customization and partner system
integration, full access to electronic information, scheming rights hierarchy and
much more.
Each partner gets an individual solution – commissions, terms and conditions,
time frames and limits are agreed in mutual negotiations.
4.2
17. PAGE/16
TRANSFERS AND COUNTRIES4.4
MoneyPolo: Sent remittances by countries
MoneyPolo has appeared in the statistics of the World Bank. It is said to be a
leading money transfers service, for example, between the Czech Republic and
Vietnam and also between the Czech Republic and Ukraine.
VIETNAM
UKRAINE
RUSSIA
MONGOLIA
MOLDOVA
OTHER COUNTRIES
58%
15%
11%
8%
3%
3%
18. PAGE/017
MONEY-
POLO
CARDS
MoneyPolo cards are globally accepted.
They meet MasterCard or VISA standards and can be used in over a
hundred countries, at more than 1.5 million ATMs worldwide. A corporate
customer has an option to apply for MoneyPolo branded cards or for their
own corporate design.
5.0
PAGE/16
19. PAGE/17
MONEYPOLO CARDS
What is the MoneyPolo Card?
The MoneyPolo prepaid card works like a debit or credit card. It can be used for
in-store and online purchases, to withdraw cash from more than one million ATMs
worldwide. It is ideal for a customer who doesn’t have a bank account.
A prepaid card could be a great way to manage your day-to-day finances.
The customer can:
• have wages or salary paid directly onto the card (through MoneyPolo account)
• have any benefits paid directly onto the card (through MoneyPolo account)
• top up your card with Cash and Cheques (through MoneyPolo account)
• it is also a safe way to pay for just about anything. In-store transactions
and cash withdrawals are protected by Chip and PIN
(The co-branded card programmes)(Master Card) (Visa)
20. PAGE/19
With no arranged overdraft facility or credit line available, the customer
only spends what he/she has loaded onto the card.
Other benefits:
• no Credit Checks – Open to everyone
• no interest or unexpected bank fees to pay
• many uses – shop in store, online, by phone or withdraw cash
• it’s Secure – Chip and PIN protection and has no link to your bank
account
• discreet payments
• the highest quality customer service and with a dedicated team here
24 hours 7 days a week
• the first card for MoneyPolo Account holder is valid for up to 2 years
5.2
OTHER BENEFITS
23. PAGE/22
This all-in-one solution that allows:
• payments in 128 currencies reaching 175 countries
• receivables in 20 currencies automatically deposited on your account
Major benefits:
• the account holder does not need to maintain different foreign currency accounts,
saving time and money
• the orders are executed on the same date via the SWIFT channel
• the real-time rates are provided by the high street bank
• ideal solution for big/small value and one-time/repetitive cross-border payments
6.1
PAYMENT ACCOUNT.
BENEFITS
24. PAGE/23
6.2
Volume of transactions in thousands of Euros
MONEYPOLO BANK
TRANSFER
2011 2012 2013
Expected in
2015
2014
INCOMING
OUTGOING
0
50 000
100 000
150 000
200 000
250 000
300 000
350 000
400 000
26. PAGE/25
MoneyPolo traditionaly supports charity and lifestyle events, and proud to be:
• The partner of Czech Debra Non-commercial Association (British and
American medical research charities dedicated to the curing of Epidermolysis bullosa)
• Official sponsor of the Mongolian Spring Fest in Prague 2012, 2013, 2014
• MoneyPolo is represented by minifootbal team in Golden Tour league (Czech Republic)
• An initiator and the main sponsor of the MoneyPolo Talent Contest (moneypolotalent.com)
• The partner of the Contest Miss Vietnam (Czech Republic)
7.1
CHARITY AND SPONSORSHIP
28. PAGE/27
October 2012 Mayzus Financial Services receives an extended licenсe
covering all EEA countries.
March 2013 MoneyPolo appears in the statistics of the World Bank as a
leader in money transfers between Czech Republic and Vietnam as well as
Czech Republic and Ukraine. Two years on still registered in leading position.
May 2013 Mayzus Financial Services completes the registration of the
MoneyPolo trademark.
December 2013 MoneyPolo application for sending/receiving cash transfers
appears on Google Play.
June 2014 MoneyPolo Operational branch opens in Mongolia. MoneyPolo
starts to expand to Asian markets.
January 2015 MoneyPolo advances to the final in “IT Product of the year”
contest with its Card Management System secure.moneypolocard.com
8.1
OUR ACHIEVEMENTS
