The document provides an overview of trends in online banking and opportunities for innovation from a user-centered perspective. It discusses:
1) The evolution of online banking from basic transactional services to a focus on understanding user needs and designing services accordingly.
2) Trends seen both within traditional banking as well as from new entrants, such as simplicity/budget banking and personal finance management tools.
3) The importance of designing services from a "users first" angle by understanding who they are, what they want and need, and how to help them succeed financially through intuitive, easy to use services.
Online Banking Sector Trends : Users to the core of innovationTommi Pelkonen
IND Group Seminar presentation Nov 24, 2011.
The next wave in digital services for the banking industry customers: From products & transaction-focus towardsend-user-need –orientation
The “Residential Gateway” concept did not get a warm welcome at IBM until the name was changed to “Inter|section Gateway” (or Service Gateway) and messaging was changed to stress the vision of an IBM-scale, multi-billion dollar business.
These slides (circa 1997) are from my early work on gateways at IBM and have provide considerable insight into the Connected Home of today.
Online Banking Sector Trends : Users to the core of innovationTommi Pelkonen
IND Group Seminar presentation Nov 24, 2011.
The next wave in digital services for the banking industry customers: From products & transaction-focus towardsend-user-need –orientation
The “Residential Gateway” concept did not get a warm welcome at IBM until the name was changed to “Inter|section Gateway” (or Service Gateway) and messaging was changed to stress the vision of an IBM-scale, multi-billion dollar business.
These slides (circa 1997) are from my early work on gateways at IBM and have provide considerable insight into the Connected Home of today.
Rising Stars - Presentation by Gianluca D´Agostino, Founder & CEO of Neomobile at the NOAH 2012 Conference in London, Old Billingsgate on the 7th of November 2012.
Market Research Report : Unified Communications Market in India 2012Netscribes, Inc.
For the complete report, get in touch with us at : info@netscribes.com
Unified Communications market inIndiais currently undergoing through a phase wherein the market can be characterized with steady growth and a cut-throat competition amongst players operating in the market space. Primarily, the market is boosted by the ongoing proliferation of high speed internet services such as 3G and broadband. Further, the demand to incorporate mobility amongst corporations is also raising the demand for UC based technology so as to facilitate seamless flow of information and data.
The market comprises of multiple segments including voice based communications, conferencing and messaging & calendaring. “Currently, the market is growing at a compounded annual growth rate of 23.5%,”says Mr. Kalyan Banga, Product Manager at Netscribes. An array of factors including rising enterprise mobility, availability of 3G and broadband services, abundance of smart portable devices and the presence of a tech savvy youth population basically propel the market forward. Cloud computing has become a significant part of the UC market wherein players hailing mostly from the small and medium business segment opt for hosted UC services and solutions. This typical behavior is mainly because of the tendency to avoid the upfront capital costs associated with the deployment of UC solutions. “The UC market will see investments pouring in from the SMB space which in turn is expected to grow at a steady CAGR of around 16%” added Kalyan.
To deliver on this potential, smarter media and entertainment companies are transforming business models, operations and customer experiences. (1) Innovate business models and seize digital market opportunities, (2) Differentiate the consumer experience, (3) Improve operational efficiencies.
E-commerce with no doubt has influenced the global business environment to some
greater levels. However, several organizations still trust technologies, applications
and infrastructures which can bring more profits and fames to their businesses.
Mobile commerce is one such innovative environment in which mobile computing
and wireless technologies are capable of centering the attraction of customers in an
absolute way. M-commerce has become the all-time favorite area of interest of
today’s firms. Right from the day m-commerce revolution began, it is creating
opportunities for mobile devices and services. Recent statistics and predictions
indicate that m-commerce is currently generating more strategic advantages to firms
both in terms of revenue and popularity. In this paper, we’ll study about the impact
m-commerce has created in today’s businesses.
A presentation shown at the Communication by Mr. Elias Aad for the Smart SMB event held at Murooj Rotana Dubai last May 21, 2008 organized by Emirates Computers and sponsored by Cisco & 3M.
Webinar: Mobile trends and their impact on Nordic enterprisesTieto Corporation
Mobility is truly an exciting area for competitive differentiation. This is the presentation from our webinar exploring the latest trends and opportunities in a connected and mobile world, but also how they will impact Nordic enterprises and how to make it work for you. The presentation is built upon the latest insights from the GSMA Mobile World Congress 2013 in Barcelona. Please visit http://www.tieto.com/mobility for more info.
The Mobile Device as a Primary Productivity Tool for the EnterpriseEd Brill
The Mobile Device as a Primary Productivity Tool for the Enterprise -- Presented by Alistair Rennie, IBM Lotus General Manager, at IBM's Mobility Day, June 16, 2010
Track Keynote for the Enterprise Modernization Track at the IBM Rational Software Conference 2009
Everyone is well aware that we are in tough economic times right now. However, these difficult times also present opportunities for companies that can quickly adapt to these changing conditions. When you look at what inhibits companies from being as agile as they would like, IT is often cited as a problem area. While there can be many root causes, among the most important are (1) a reliance on fragile legacy applications about which companies have a limited understanding, (2) development staff that are not sufficiently productive, and (3) disconnected team infrastructures that inhibit collaboration and traceability. These problems limit your organization's flexibility. They are costing you money. And they tie up resources that could otherwise focus on new business to bring in more revenue. This track will showcase IBM Rational's Enterprise Modernization solutions that enable organizations to: reduce project risk by managing and extracting value from their application portfolio, exploit new technologies to deliver more flexible business solutions, empower new and existing IT staff to build multi-platform applications, increase productivity with a modern software delivery platform, and improve development efficiency and collaboration by unifying multiple teams.
Digital technologies and innovations impact all our interactions. In commodity services such as payments and retail banking, traditional levers are no longer sufficient to resist the fierce competition, catalyzed by new players: customer experience is the new differentiator.
Rising Stars - Presentation by Gianluca D´Agostino, Founder & CEO of Neomobile at the NOAH 2012 Conference in London, Old Billingsgate on the 7th of November 2012.
Market Research Report : Unified Communications Market in India 2012Netscribes, Inc.
For the complete report, get in touch with us at : info@netscribes.com
Unified Communications market inIndiais currently undergoing through a phase wherein the market can be characterized with steady growth and a cut-throat competition amongst players operating in the market space. Primarily, the market is boosted by the ongoing proliferation of high speed internet services such as 3G and broadband. Further, the demand to incorporate mobility amongst corporations is also raising the demand for UC based technology so as to facilitate seamless flow of information and data.
The market comprises of multiple segments including voice based communications, conferencing and messaging & calendaring. “Currently, the market is growing at a compounded annual growth rate of 23.5%,”says Mr. Kalyan Banga, Product Manager at Netscribes. An array of factors including rising enterprise mobility, availability of 3G and broadband services, abundance of smart portable devices and the presence of a tech savvy youth population basically propel the market forward. Cloud computing has become a significant part of the UC market wherein players hailing mostly from the small and medium business segment opt for hosted UC services and solutions. This typical behavior is mainly because of the tendency to avoid the upfront capital costs associated with the deployment of UC solutions. “The UC market will see investments pouring in from the SMB space which in turn is expected to grow at a steady CAGR of around 16%” added Kalyan.
To deliver on this potential, smarter media and entertainment companies are transforming business models, operations and customer experiences. (1) Innovate business models and seize digital market opportunities, (2) Differentiate the consumer experience, (3) Improve operational efficiencies.
E-commerce with no doubt has influenced the global business environment to some
greater levels. However, several organizations still trust technologies, applications
and infrastructures which can bring more profits and fames to their businesses.
Mobile commerce is one such innovative environment in which mobile computing
and wireless technologies are capable of centering the attraction of customers in an
absolute way. M-commerce has become the all-time favorite area of interest of
today’s firms. Right from the day m-commerce revolution began, it is creating
opportunities for mobile devices and services. Recent statistics and predictions
indicate that m-commerce is currently generating more strategic advantages to firms
both in terms of revenue and popularity. In this paper, we’ll study about the impact
m-commerce has created in today’s businesses.
A presentation shown at the Communication by Mr. Elias Aad for the Smart SMB event held at Murooj Rotana Dubai last May 21, 2008 organized by Emirates Computers and sponsored by Cisco & 3M.
Webinar: Mobile trends and their impact on Nordic enterprisesTieto Corporation
Mobility is truly an exciting area for competitive differentiation. This is the presentation from our webinar exploring the latest trends and opportunities in a connected and mobile world, but also how they will impact Nordic enterprises and how to make it work for you. The presentation is built upon the latest insights from the GSMA Mobile World Congress 2013 in Barcelona. Please visit http://www.tieto.com/mobility for more info.
The Mobile Device as a Primary Productivity Tool for the EnterpriseEd Brill
The Mobile Device as a Primary Productivity Tool for the Enterprise -- Presented by Alistair Rennie, IBM Lotus General Manager, at IBM's Mobility Day, June 16, 2010
Track Keynote for the Enterprise Modernization Track at the IBM Rational Software Conference 2009
Everyone is well aware that we are in tough economic times right now. However, these difficult times also present opportunities for companies that can quickly adapt to these changing conditions. When you look at what inhibits companies from being as agile as they would like, IT is often cited as a problem area. While there can be many root causes, among the most important are (1) a reliance on fragile legacy applications about which companies have a limited understanding, (2) development staff that are not sufficiently productive, and (3) disconnected team infrastructures that inhibit collaboration and traceability. These problems limit your organization's flexibility. They are costing you money. And they tie up resources that could otherwise focus on new business to bring in more revenue. This track will showcase IBM Rational's Enterprise Modernization solutions that enable organizations to: reduce project risk by managing and extracting value from their application portfolio, exploit new technologies to deliver more flexible business solutions, empower new and existing IT staff to build multi-platform applications, increase productivity with a modern software delivery platform, and improve development efficiency and collaboration by unifying multiple teams.
Digital technologies and innovations impact all our interactions. In commodity services such as payments and retail banking, traditional levers are no longer sufficient to resist the fierce competition, catalyzed by new players: customer experience is the new differentiator.
Keynote: why are Innovations critical for Banks & Insurances?
A perspective on the Financial Services industry: the amount of changes will only accelerate.
- Exponential technologies are driving change; convergence of several disciplines from software to devices to biotech
- Our expectations as consumers are set by our online experience from services such as Facebook, Google or Amazon
- Disruption pattern: startups put themselves in-between the customer and the company
(i.e. check24)
- Industry changes leading to further FinTech & InsureTech investments
- Margin pressure: banks & insurrance by the lowest interest rates we have seen in 2.000 years
- User Experience is driving value in a new way – and most startups understand customer-centricity
- Banks & Insurance companies are under pressure because their offering is fundamentally undifferentiated
- Regulators are opening up: i.e. PSD II forces the banks to open up their data; full disclosure of insurance commissions will arrive soon
- Customers don’t want to be ‘told’ anymore: they don’t come to branches anymore - buy how can advice as the key point of sales be digitized?
Banks need to build up digital capabilities based on 5 pillars plus 1 enabling capability:
(1) DATA-DRIVEN DIGITAL INSIGHTS
- Data-driven segmentation & Value Proposition Design
- 360° single customer view
- Customer Experience excellence
- Comprehensive data ecosystem, including 3rd party APIs
(2) CUSTOMER EXPERIENCE EXCELLENCE
- Customer-centric experience design & processes
- Omni-channel experience delivery
- Journey consistent front-to-back, end2end
- Clear brand positioning & brand amplified by a purpose
(3) DIGITAL MARKETING
- Data-driven, real-time segmentation & cohort analysis
- Data-driven customer- life-cycle management
- Targeted digital (performance) marketing
(4) DIGITALLY ENABLED OPERATIONS
- Operations are designed to support customer journeys
- Streamlined and automated fulfillment processes
- Digitized sales and service interactions
(5) SMART TECHNOLOGY SETUP
- Scalable application architecture
- Flexible IT architecture (i.e. SOA) with clear messaging
- Flexible IT infrastructure
(6) DIGITAL ENABLERS
- Digital Talent Management
- Value-driven Organisation & governance
- Test-and-learn culture
We feel honoured McKinsey copied this model in the following article:
Cutting through the noise around financial technology, Feb 2016: http://bit.ly/1Rtz0AF
Digital Money, from a regulatory point of viewPatrick Bucquet
Unclear regulation about digital money allows new comers to enter and change the market, and now regulators are struggling to push even more for financial inclusion while protecting the customers.
From local approaches to a global one, regulators and governance bodies need to share insights and anticipate developments to build a consistent framework.
Digital Money - Innovations that will change the global landscapeAurionproSolutions
Caro Realini is a serial entrepreneur, globally recognized technology pioneer and a Co-Author of Financial Inclusion at the Bottom of the Pyramid. Carol was an opening keynote speaker at Citibank's Digital Money Symposium hosted by CitiBank and Imperial College, London on 26 Jan 2016.
Carol spoke about advances in communications that have reconfigured the ease with which we interact with our money and how these advances can provide innovative financial services to the unbanked and underserved around the world.
What banks will have to work on over the next couple of years:
in 2013, bank customers have spent 400 minutes per year in the digital channels, but only 1 minute per year on average in direct contact with their bank advisor. 60% of the European population just never went into any bank branch at all (excluding ATM usage). However 90% of the sales still comes from the branches.
Banks will have to fundamentally address this challenge and see how they can become more relevant to consumers and how to sell online.
This keynote addresses the fundamental issues of banks from three perspectives:
- The challenges the users want to have solved
- The challenges coming from an external, market / competitive environment
- The challenges the business has to solve internally
The presentation is fun and thought provoking containing many fresh ideas on the future of banking. Feel free to get in touch!
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
Keynote: The User Experience Strategy behind one of Europe’s largest Digital ...Stefan F. Dieffenbacher
The User Experience Strategy behind one of Europe’s largest Digital Transformations is a presentation that summarizes the digital strategy approach taken for a key bank in Europe.
It takes the reader through three stages:
1. Why was a digital strategy required to start with? Why could the bank no more operate as-is?
2. What was the overall solution and design approach? At this point in time, the Digital Leadership strategy framework is being introduced.
3. How was the actual solution developed across both phases? In the first phase, the presentation talks through the key steps, namely:
3a. customer segmentation
3b. persona development
3c. understanding of user needs
3d. understanding of business needs
3e. developing an overarching vision based on business goals and user needs
3f. Deriving the functional scope - termed at Digital Leadership a Scope Landscape
The second phase then goes on to detail out the solution approach which was basically about detailing out the strategy from phase 1 and validating it in details.
Mobile Horizons Istanbul
Digital Banking Channels
Deniz Güven, SVP Digital Channels, Garanti Bank
This presentation was made on June 4, 2013 at the Mobile Horizons Istanbul conference.
This thought-leadership forum was a unique conference about the disruptive changes caused by mobile technologies: Wearable Technologies, New interfaces, Mobile Retail, Big Data, Connected Life, and more!
Featuring international mobile visionaries and Turkish business leaders Mobile Horizons Istanbul was held at an exclusive venue on the shores of the Bosphorus
For more information, please visit the website at www.mobile-horizons.com or facebook at www.facebook.com/mobilehorizons.
The talk provides a new perspective on leadership in the digital age. Key topics include:
1. Organisational development: changing from a top-down, military-style organisation towards a supportive, adaptive and open organisation. Led by a leader who supports those in contact with the customers as opposed to a director / dictator who dictates from the top.
2. How to lead: Leadership involves setting a direction which people can follow. The author proposes to use the OKR framework (objective and key results), introduced by google, as a basis. The key steps in implementing the same are laid out as follows:
#1 Start defining OKRs to set an example.
#2 Publish immediately, visible for everyone.
#3 Get everyone involved.
#4 OKRs are set jointly only. There is no top-down.
#5 Discussion happens in the team(s) only.
#6 There is no punishment, it is a joint experience.
#7 Ensure everyone is walking in the same direction.
3. Setting a direction & vision: leadership further involves setting a direction. This is ultimately the duty of both the customer and the organisation. Only jointly can a correct vision and direction be determined, else we miss the market requirements.
4. What is strategy in this context: strategy, at it's simplest, is a direction and a verified path how to get there (the later typically referred to as a roadmap). Most strategies are superb in painting a vision, but lack the roadmap aspects of it, so they ultimately fall short of explaining how to realise the vision.
5. How to execute: execution can only be agile. Over waterfall, it has several key advantages:
#1 Customer testing & fast market feedback!
#2 Product doesn‘t need to be fixed for the next 2 years
#3 Limited risk
#4 Significantly faster (if well executed)
#5 Attention: agile doesn‘t mean without a goal
We prefer to step on board when your company is looking to define its long-term strategies. Because that's when we can use the complete playing field - for developing strategies which result in a measurable improvement of your key indicators.
We've developed our own method for reorienting / relaunching digital projects. It takes a holistic approach to all the component parts: right from the business case, user experience and business requirements to the process design, technology and content.
Which is why we work intensively within interdisciplinary teams, make use of our frameworks, draw on our wide range of experience and lead workshops - until we've seen to it that you reach your goals. This process is typically followed by the development of a digital concept.
Three Technologies Disrupting the Traditional Banking Industry by Ritchie Cap...Ritchie Capital Management
With the advent of internet connectivity, financial products are evolving to fit new systems. With technology advancing at breakneck speeds with better efficiency and scalability, how will traditional banking fare in comparison? In this presentation, Ritchie Capital Management includes 3 significant financial innovations that have paved the way.
How disruptive Innovation can be realized in Banking & Insurance
Why is this successful?
- results are almost guaranteed due to the funnel
- winning ideas are likely to be AWESOME, because they have seen many iterations
- bad ideas drop out immediately high cost savings
- highly motivated employees
We create new products/services, entire startups or a digital unit for you
With our approach, team, technology and entrepreneurial attitude we identify, validate and evolve business opportunities and quickly turn them into highly profitable businesses – potentially even realizing a disruptive product. We have a proven track record with top market players across a wide range of industries. Talk to us to see how we can develop awesome ideas for your digital future.
We love to design the future – together with you.
1 | Robust Framework
A blend of the best Silicon Valley-proven methodologies forms our comprehensive framework:
Design Thinking
Business Model Generation,
Lean Startup, Lean Marketing, Lean Analytics,
Customer Development,
Agile, Scrum, Kanban …
We guide the project team throughout the process using our framework.
1 | New products, services and disruptive business ideas
We build digital products and services for B2C and B2B that we validate in multiple iterations with your potential customers. In the next stage, we launch the product/service as a Minimum Viable Product (MVP) to validate it by a larger target group and that’s when we start pivoting and tweaking. If customers love the product/service and are willing to pay for it, we consider the product investment ready and that’s when we start growth-hacking the new business. Naturally, all decisions are data-driven.
THIS IS AWESOME - Company Builder
2 | From new departments to entire startups
New products and services lead to:
a new venture as an autonomous business that may later be reintegrated back into your existing organization
a new department within your exiting organization
adoption by an existing department within your organization
You can count on our experience, knowhow and resources every step of the way.
3 | Innovation unit / Digital unit
Talk to us if you want to set up your own innovation or digital unit within your organization. We can get you standing on your own two feet by training you to use our framework and handing over everything you need to run the CATAPULT™ software stack on your own. Technology
With our HR, training and mentoring programs, we’re with you every step of the way until you’re ready to run independently. Talents
Digital banking: Why are banks not performing as well as they could do?Stefan F. Dieffenbacher
Driven by the top Internet players the speed of change in the financial services market is rapidly increasing. To secure their business and generate further growth the large-scale Internet players are forced to attack additional markets and the financial services market is one of them.
Leading Internet players will conquer the financial services market by
- utilizing their global customer base and advanced customer intelligence (data),
- by connecting today separated services to an eco system using technology
- and their ability to move fast.
Banks will have to react to the digital threads and do their homework. Some of the core actions required to achieve a better positioning in the digital channels are proposed within this slideshare.
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digita...Capgemini
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digital Channels was presented on 26 March 2015 at a webcast from Capgemini and American Banker. Topics include: Why customers are not using low cost digital channels to purchase banking products as much as banks would like; how some banks have succeeded in influencing customer preferences by adopting a more personal, human approach in their digital interactions; how banks can create opportunities to right-sell and cross-sell leveraging the latest innovations in customer engagement technology. Visit www.capgemini.com/odigoforbanks or www.capgemini.com/digitalbanking for more information.
Forging Strategic Partnerships to Innovate for future success
BITCON unites business and IT: enabling you to achieve value-driven change within your organisation.
Currently leading the discussion of business critical innovation with executive peers and exchange the strategies that define the future of enterprise in the technological age.
BITCON 2012: Business & IT Connections is the only platform for active dialogue focusing on innovative technology and strategy. The aim? To drive competitive improvement through business transformation, workforce engagement and a strong working relationship between business and IT leaders.
Whether you are starting out on your journey, or are looking at the next generation of integrated technologies, the launch of PEX Network’s BITCON global series
Register for BITCOM for Free: http://tiny.cc/lgabbw
Tieto gelooft in omnichannel klantcontact: een naadloze en geintegreerde klantbeleving van de consument via internet, mobiel, social media, telefoon of face-to-face met uw onderneming. Daartoe moet u in staat zijn om cross-touchpoint, contextuele en consistente ervaringen te bieden aan uw klanten gedurende de gehele klantlevenscyclus. De executie van klantinteractie over alle kanalen heen wordt idealiter gestuurd door een Unified Desktop omgeving. Kijk voor meer informatie op tieto.nl
Enabling Innovation: A Strength In Any EconomyPhil McKinney
Innovation is not the sole responsibility of a single group within the organization. All groups play a role in enabling innovation.
This presentation challenges the CIO/CTO:
1) Think differently about their leadership role when it comes to enabling innovation.
2) Provide some insight into "whats coming" so they can express an opinion to their peers and CEO.
Don't set back and hope someone else is going to pick up the mantle. Take charge.
Key OTT (Over-The-Top) Market Trends in 2015 by Michael Ritchie.
In broadcasting, over-the-top content (OTT) refers to delivery of audio, video, and other media over the Internet without the involvement of a multiple-system operator in the control or distribution of the content. The Internet provider may be aware of the contents of the Internet Protocol packets but is not responsible for, nor able to control, the viewing abilities, copyrights, and/or other redistribution of the content.
Consumers can access OTT content through internet-connected devices such as desktop and laptop computers, gaming consoles (such as the PlayStation 4, WiiU, and Xbox One), set-top boxes (such as the Roku), smartphones (including Android phones, iPhones, and Windows phones), smart TVs (such as Google TV), and tablets.
In the digital world, it has long been said that ‘Content is King’
The debate then moved onto whether ‘Control of Distribution’ was more important…
The reality is that value propositions in the Digital arena are more complex than just ‘Content or Distribution’
To help guide the way, KPMG has created a checklist of 20 ways – “the 20Cs” in which a company might provide value through a digital model.
This we have called the Digital Convergence Equalizer.
Resource-Based Internationalisation of Professional Business Services: Case ...Tommi Pelkonen
Objectives
Main objective of the research is to analyse the internationalisation patterns on professional business ser-vices. The special study focus is in the new media industry. Three objectives were set to the research:
• To identify the Finnish new media industry and its potential for internationalisation
• To analyse the new media industry’s internationalisation patterns in both company and industry lev-els
• To analyse the new media industry’s business network, its structure and its dynamics
In practice this meant answering to the following research questions:
1. What are the characteristics of new media industry as a professional business service?
2. What resources are new media companies utilising and lacking of in internationalisation?
3. What are the modes in use and to be used in internationalisation of the industry?
4. How can additional resources be obtained by utilising business networks?
Main findings
On the basis of the research seven conclusions of the situation of the Finnish new media industry could be drawn. These are in their logical order:
• New media business (interactive media service provision) is at its basics a professional business ser-vice and has similar problemacy in its international expansion to other service companies.
• New media business is by its birth very global and the companies operating in the industry carry heavy service and know-how export potential.
• The Finnish new media industry is already in some markets in “late starter“ situation. On the other hand the companies are able to arise to be “international among others“ by own actions and by technological advancement.
• The success of the industry is heavily dependant the companies’ capability to meet the requirements of the customers and leverage its existing customer relationships.
• Product innovation in the industry requires flexible coalitions crossing traditional industry barriers. The number of these will grow with technological advancements.
• The main resource shortage for the Finnish new media companies’ internationalisation is the lack of skilled personnel.
• Financial capital is available in the markets. Yet, the Finnish companies are not experienced to work with external financiers and high growth requirements
In addition, there were four hypotheses phrased and tested as well as a model analysing the new media industry’s business network. These are presented in the research conclusions.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@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
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
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
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
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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.
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
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