PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
This is an in depth article on design issues in Payments Hubs/Engines. It introduces the concept of a 'spectrum' of various styles of Payment Hubs varying from a 'light' integration centric to a 'heavy' business centric process engine.
Clx Presentation Short Version Clx Eng May 2010Corporate LinX
Benefits of implementing Reverse Factoring or Supply Chain Finance initiatives between Buyer organisations and Suppliers.
Implementation process and collaborative platform are also described in the document.
This is an in depth article on design issues in Payments Hubs/Engines. It introduces the concept of a 'spectrum' of various styles of Payment Hubs varying from a 'light' integration centric to a 'heavy' business centric process engine.
Clx Presentation Short Version Clx Eng May 2010Corporate LinX
Benefits of implementing Reverse Factoring or Supply Chain Finance initiatives between Buyer organisations and Suppliers.
Implementation process and collaborative platform are also described in the document.
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
GPIE FAQ Book B2B Payment Services 053102GPIESTEVE
We\'ve gathered the questions usually asked and provided yp-to-date answers in this small booklet to help you know and understand more about the GPIE B2B Payment Service
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.
NACHA Payments 2012 - U.S. Bank & Earthport ‘Conquering the Barriers to Entry...Earthport
NACHA Payments 2012 - With the continued trend toward globalization, more companies are transacting globally. Each country has a different clearing system and there is no comprehensive equivalent of the U.S. ACH system worldwide. Some international banks have created proprietary links in other geographies, but these do not offer broad-based participation. Other innovative options have emerged that enable financial institutions to readily offer this capability to clients.
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
Node.js uses JavaScript - a language known to millions of developers worldwide - thus giving it a much lower learning curve even for complete beginners. Using Node.js you can build simple Command Line programs or complex enterprise level web applications with equal ease. Node.js is an event-driven, server-side, asynchronous development platform with lightning speed execution. Node.js helps you to code the most complex functionalities in just a few lines of code.
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
GPIE FAQ Book B2B Payment Services 053102GPIESTEVE
We\'ve gathered the questions usually asked and provided yp-to-date answers in this small booklet to help you know and understand more about the GPIE B2B Payment Service
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.
NACHA Payments 2012 - U.S. Bank & Earthport ‘Conquering the Barriers to Entry...Earthport
NACHA Payments 2012 - With the continued trend toward globalization, more companies are transacting globally. Each country has a different clearing system and there is no comprehensive equivalent of the U.S. ACH system worldwide. Some international banks have created proprietary links in other geographies, but these do not offer broad-based participation. Other innovative options have emerged that enable financial institutions to readily offer this capability to clients.
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
Node.js uses JavaScript - a language known to millions of developers worldwide - thus giving it a much lower learning curve even for complete beginners. Using Node.js you can build simple Command Line programs or complex enterprise level web applications with equal ease. Node.js is an event-driven, server-side, asynchronous development platform with lightning speed execution. Node.js helps you to code the most complex functionalities in just a few lines of code.
mCommerce and Mobile Banking: The Evolution and OpportunitiesMolecular Inc
This webinar/slidecast provides insight on mobile commerce (mCommerce) and specifically mobile banking, which is a large component of this industry. Learn how various financial institutions approach their growing mobile strategy, as well as how the growth of mobile commerce and banking affects consumers and changes the way people use mobile. Michael also shares his 4-phase approach to mobile banking; providing the technology options, functional capabilities and benefits for each.
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.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the what'sapp number of my personal pi merchant who i trade pi with.
Message: +12349014282 VIA Whatsapp.
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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 what'sapp contact of my personal pi vendor
+12349014282
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 what'sapp this number below. I sold about 3000 pi coins to him and he paid me immediately.
+12349014282
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
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 what'sapp contact of my personal pi merchant to trade with.
+12349014282
2. Branchless/ Agent Banking – a Practical Definition
The provision of certain predefined banking services
to a select target market, through liquid, third party
environments, in such a way that the services are
simple, secure, convenient, relevant and
affordable.
These services should be seen as an extension of the
bank and from a banking perspective, be able to be
provided in such a way that a significant portion of
bank costs can be avoided or significantly reduced.
3. Branchless/ Agent Banking - In Context
Bank
Channel
High Cost Low
Agent
Branch ATM Branchless POS Acq Internet Mobile
Banking
Enabler
Customer
LC
4. Branchless/ Agent Banking v Branch – The Landscape
Branch Branchless
Cost To Deploy Channel
10
9
8
7
Time To Deploy Cost To Acquire Customers
6
5
4
3
2
1
0
Control Of Channel Cost To Maintain Channel
Proximity To Target Customer Cost To Serve Customers
LC
6. FI The Challenge to Banks
% of Market
10
9
8
7
6
5
4
3
2
1
0
Cost to Bank Income to Bank
HNI Executive Entrepreneur Salaried Inclusive
LC
7. Branchless/ Agent banking – Consumption Model
Cash In
10
8
% of Market 6 Cash Out-Money
Asset Origination
8 Send
7 4
6 2
Cash In
5
4 8 0
3
2
7
1 Remote Account
Bill Payments
Opening
0
6
5 Balance
Cost to Bank Income to Bank Enquiry/Statemen
t
4
3
2
1
0
Bill Payments Cash Out - Money Send
Entrepreneur Salaried Inclusive
LC
8. Branchless/Agent Banking - Method In The Madness
3rd Party Branchless
Cost
9
8
7
6
5
4
3
2
1
Control 0 Reach
Time To Market
LC
9. Branchless/ Agent Banking – Agent Led – Bank Driven
• A very clear tiering, of which services will be
provided by which agent type.
• Very specific controls, initiated by the bank and
regulators, but congnisant of the environment in
which it operates
• A phased approach so as to gain traction, learn
and understand the Branchless environment
• Managed Structures
10. Branchless Banking – Regulatory Impact
Definition: “The provision of certain predefined assisted banking services to a select
target market, through liquid third party environments, in such a way that the services
are relevant, affordable, convenient and above all secure.”
• By pure definition risks exist and with it the need to regulate the environment.
• Any Bank involvement in the delivery of financial services will be and should be
regulated irrespective of the channel or enabler
The Impact :
• A trusted environment where fulfillment of the transaction is assured and where
not adequate, mechanisms exist from a regulatory framework to ensure fulfillment.
• A slightly cumbersome registration and transactional environment
• Potentially slower adoption
• However growth will be sustained and long term in nature irrespective of the
enabler
As a Bank however we need to ensure that the implementation of the regulations
occurs in such a way that we take cognisance of the market we are serving and the
enabler used.
If not Branchless Banking has the potential to stifle a market
Think outside the box Branchless is a journey from the known into the unknown e.g lending to penny lending All the stats do not current help with customer traction There in lies the challenge To embark on the journey you need to understand its place This will aid in the decision process
“Predifined”Services that would likely include cash in , cash out, bill payments, remote account opening, asset origination, and to a lesser degree balance enquiry and mini statement.:“Select”This depends on individual organisations and the target market they would like to serve via the branchless channel.Examples would be, the inclusive market, salaried market, same market\\“Liquid”This is simply the ability to fulfill a transactionon demand. i,.e sufficient cash in till and balance on efloat to complete a transaction“Third Party”By pure definition this includes entities not affiliated to the bank and who will utilise their own staff and infrastructure to provide services on behalf of the BankExamples would be Pharmacies, Supermarkets, General Traders, Fuel Marketers etc “Relevant”A customer will not use what they don’t need. The need is defined by the customer and not the bank.“Affordable”The service should be perceived by the customer as affordable. There must be a clearly tangible price advantage to the customer“Convenient”Africa is a tough, expensive and difficult continent to move around in. Convenience in this context is defined as services that are as close as possible to my need.“Secure”The customers needs to know that their funds are safe irrespective of the channel or enabler used. The customer needs to feel as safe as if they entered a bank branch. They need to know that a third party will be as safe as using a bank staff member in a bank branch using a bank terminal. In Africa this is a deal breaker
Agent/Branchless Banking and where it exists within the overall context This positions the definition in a graphical representation and the relevance of enablers and cost Talks to the enabler “supermarket”
Here we understand the Branchless v Branch environment and the factors that have an impact on each and how if we isolate branchless we see the move toward lower cost relative to branch and the journey thereof The key is proximity and here one can discuss how branchless can address this issue. Allude to control as well and the impacts there of and how this leads into the reglulatory spaceUnderstand your marketWho are you trying to bank and whyHow does your market want to transact Where are they happy to transactWhat enablers are they happy to engage withUnderstand your current cost structureHow much is it costing per transactionHow much is it costing to acquire customersHow much is it costing to serve your customersUnderstand the third party distribution landscapeMap to defined target market in terms of the key principals - relevant, affordable, convenient and above all safeUnderstand all regulatory, brand, IT, communication, servicing, logistical risks that exist from a banking context. Identify the mthod to reconcile the above risks with an environment that is entrueprenurial by nature
To understand the journey toward Branchless you need to understand how the current customers transact and what transaction types they would typically use. This allows for extracting the Branchless Consumer space From this one can isolate the relevant transactions and the cost to income that pertains to those transactions Remote account opening while relevant presents a far greater challenge in respect of risk and compliance and KYC and the impacts thereof and may not be relevant to a particular market segment This picture allows you to choose the segment that is relevant to your business and your strategies
To further segment the market one needs to understand the relationship between the above elements. From this we can extract 3 segments that would typically make up a branchless environment It is clear as to the cost to income relationship
What does this all actually mean Three key transaction sets that are highlighted \\ forms the basis for understanding how branchless can reduce costs you need to know what transaction before you can embark on the journey
this is what branchless gives you low cost _ 3rd party carrying costs huge reach – use tanzania as an example Increased time to market BUT far less control hence regulation