The document discusses trends in online and mobile payments. It notes that mobile payments are expected to reach $1 trillion by 2014 as smartphone adoption increases. There are many types of mobile payment methods, including mobile wallets, mobile point-of-sale, payment platforms, carrier billing, and closed-loop systems. NFC technology enables fast and secure card-present payments directly from phones but requires upgrades to handsets and point-of-sale terminals to see broad use. Overall mobile payments are growing rapidly but challenges remain around technology adoption and business models.
8 scientifically validated tools to drive advocacy, leading to longterm profitable relationships with your client base:
- Member get Member
- Beta Testing
- Hawthorne Effect
- Ambassador Programme
- Causal Campaigns
- Community Platforms (user help user)
- Advocacy Tracking (NPS & else)
- Innovation (Products/Service)
8 scientifically validated tools to drive advocacy, leading to longterm profitable relationships with your client base:
- Member get Member
- Beta Testing
- Hawthorne Effect
- Ambassador Programme
- Causal Campaigns
- Community Platforms (user help user)
- Advocacy Tracking (NPS & else)
- Innovation (Products/Service)
I am speaking at a Revenue Mgmt and Travel Merchandising conference in London. Travel merchandising is certainly a huge opportunity for airlines and other travel suppliers. I will discuss learnings from Frontier Airlines and others. Pricing and revenue management play a critical role.
I am speaking at a Revenue Mgmt and Travel Merchandising conference in London. Travel merchandising is certainly a huge opportunity for airlines and other travel suppliers. I will discuss learnings from Frontier Airlines and others. Pricing and revenue management play a critical role.
Sintesis del significado de los colores segín la psicología y un paseo por ellos.
Se recomienda usarla como recurso que apele los sentidos del observador. preguntar sobre sus propias sensaciones en relación con el color
Kevin Dion, an alumnus of the De La Salle University and a proud Pointwester, gives applicants a glimpse of life at Pointwest. "Work and play with us," he said. (29 June 2012, DLSU Job Expo)
Recorded webinar from Sales Benchmark Index: Designing organizational models for inside sales. Links, downloads and registration for future presentations are included.
Staying Ahead of the Joneses: Retail Automation in 2010VDC Research Group
These slides are from a webcast originally presented on 7/28/10. During this webcast, Chris Rezendes, Executive Vice President of VDC Research, presents the latest data from our 2010 Retail & Transaction Automation Equipment Business Planning Service. Specifically, he discusses: The current state of retailer budgeting and spending on retail automation technology, retailers’ current and expected strategic & operational priorities and how they translate into specific technology investments, the progress being made in defining ROI for next-gen retail automation solutions and the key factors shaping the managed services deployment trend.
Zuora - 2009 Venture Capital Case CompetitionSol Tran
Our presentation during the Venture Capital Case Competition at Stanford University on why Zuora was a strong investment opportunity in 2009. No slide on IRR.
TaskRabbit, Inc. - Venture Capital Financing Deal Terms & ValuationsVC Experts, Inc.
Deal Terms, Pricing, and Valuations of the latest financing rounds for TaskRabbit, Inc. Similar data on thousands of private companies is available in the Valuation & Deal Term Database at http://vcexperts.com.
The nature of sales in retail banking has changed dramatically. While there is a renewed pressure to grow accounts, the techniques banks have traditionally used to acquire new accounts have become less effective.
As consumer preferences continue to shift and non-traditional competitors continue to disrupt the market, the ROI of acquisition techniques like batch mail and branch cross-sell will continue to decline. In order to thrive, banks need to leverage the tremendous amount of data they have on each of their customers to drive more profitable and satisfying customer interactions across all of their channels.
This presentation will:
• Identify the market trends impacting banks’ growth strategies.
• Explore the role of marketing and risk analytics in making better acquisition decisions.
• Introduce best practices for implementing a more holistic approach to account acquisition.
Apresentação de Rodrigo Borges, um dos fundadores do Buscapé Company, grupo de 21 empresas que atende toda a cadeia de E-commerce no Brasil e tem como principal produto o Buscapé, comparador de preços líder no mercado brasileiro. A Agência Look'n Feel foi a agência oficial do evento e colaborou para que o evento liderado pela Amcham Brasília fosse um tremendo sucesso.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
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
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
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
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.
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.
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
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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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
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
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
4. Selected Transaction Experience
Closed more than $11 billion in M&A, Joint Ventures, and Financing transactions and more than 20+ corporate and business
development transactions including pilots, supplier, and technology partnerships.
Leveraged Buyout Cross-border M&A Buy-side M&A Sell-side M&A
OSS Business Japan Operations
Acquires Acquired by Acquires Acquires Acquires Acquires Sold to Sold to
Assets Assets nvSRAM Business
Joint Ventures Public Capital Raise Private Capital Raise Software License
Between Between
Create Create Initial Public
Series C Series B, C and D
Offering on TSE PIPE on NASDAQ
Pilots Supply Chain Sales & Marketing
Pilot test of Enters into
Pilot test of first Enters into Enters into Enters into a Enters into a
cardless debit / Exclusive BIN
NFC mobile wallet strategic supply Exclusive supplier marketing marketing
loyalty payment sponsor agreement
in US at Safeway agreement with agreement with partnership with agreement with
system at Safeway with
5. Payments Buy-side Relationships
Extensive network of senior level relationships across many of the key buyers in Payments
Networks Card Processing Prepaid
MA/Gateway - SMB MA/Gateway - Legacy Mobile Payment Platforms
Selected Venture Capital with Notable Payments Focus Investment Banks
Private Equity
7. Mobile is Changing the Payments Landscape
US Consumer Payment Transactions
Healthy topline growth at
Billions 128.3 136.5 156.5 3.5% CAGR 2010-15
100%
4.9 5.5 7.0
90%
25.8 Debit big benefactor of share
80% 41.5
shift- helped by bad
68.4
70% economy, credit tightening,
25.3
60%
mobile and merchants push
26.1 for lower cost payments
50%
24.5
28.1
40% 17.5
30% 12.9 Share shift from cash and
20% 47.8 check to mobile wallet and
45.9
10%
40.1 ecommerce
0%
2006 2010 2015
Prepaid Debit Credit Check Cash
Source: The Nilson Report and RJ&A research 10/2011
8. The Many Flavors of Mobile Payments
Mobile payments expected to reach $1 trillion worth of global transactions by 2014*
• Smart phone adoption finally reaching scale to sustain true mobile payments traction
• Upgrade cost and merchants’ wait and see attitude still biggest hurdle to mobile enabled POS device adoption
• Offers and loyalty will be carrot for shifting consumers to mobile mediums
• Big data and location based intelligence infrastructure will soon follow
• Winners will own both sides of payment transactions- consumer and merchant
Payment Direct Carrier Closed Loop
Mobile Wallet Mobile POS
Platforms Billing Mobile
Paying for items gift card
Using mobile phone to Using mobile phones as Using mobile apps to Paying for items using
or store credit in mobile
pay at POS the POS device transfer money your phone bill
app
• Enabled • Software on the phone • In app billing, one of • Good for micro
micropayments to enabled to manage the only current apps payments or frequent
convert from cash to money and payments use locations
cards • Starbucks trial did 3
• P2P players could million transactions in
invade at micro level first 2 months
*Source: Yankee Group, 2011
9. Mobile Wallets – Invasion of the Software Giants
Comparison of Major Wallet Platforms Sneak Peak
Source: Mercator
10. Yes, NFC Should Maybe Happen
Evolution of Payments Thoughts on NFC
Handset shipments with NFC enabled chips will be the single
biggest critical factor in timing broad use of NFC in the U.S.
Shared view with Mercator
Barter Coins Paper Plastic Digital
?
RFID/NFC QRC Cardless SIM
• POS / Phone • Clumsy • POS software • Carriers still
Upgrade experience upgrade working out the
• Fastest & Most • POS add-on • Unsecure details
secure • Available • Interchange rate? • Safe and secure
• Card present rate today • Ease of use • Phone agnostic
• Long-term winner • Doesn’t need a
device
RFID Successful Overseas – Can that migrate to the US • Longer range RFID might also come across the ocean,
enabling proximity based offers and marketing, something
• Octopus card first RFID rechargeable smart card in world- launched in Hong Kong like->
1997:
• More than 20 million cards in circulation, nearly three times the population • First likely acceptance will be for micro-payments at:
of Hong Kong. • Convenience
• The cards are used by 95% of the population of Hong Kong aged 16 to 65 • Fast food, coffee
• Over 11 million daily transactions worth a total over HK$100 million • Gas pump
(US$12.8 million) everyday. • Transportation
• Grocery
• Sony bitWallet first mobile RFID (NFC) wallet in Japan, operating on the Sony
Felica platform • In-lane checkout speed and security will be key drivers
• More than 40,000 retail locations in first 5 years of operations tipping NFC as the winner vs. existing alternatives
• Accepted at all major convenience stores, railroads and at McDonalds
• First wallet platform to incorporate targeted ads based on spend and geo- Many challenges remain but NFC will soon be here, though don’t
location
expect it to replace cards at the POS for many years to come.
Source: Wikipedia, company websites.
11. So Where is All the Money Made?
US Transaction Processing Revenue
$25.0
Healthy topline growth at
$20.2 4.7% CAGR 2010-15
$20.0
$16.8 $4.1
$1.4
$15.0 $13.6 $3.9
$1.1
$3.5
$10.0 $1.0
Merchant acquiring fastest
$14.7
growing and biggest
$5.0
$11.8 benefactor….
$9.1
$USD Billions CAGR
$-
2006 2010 2015 5.0% Mobile Oh yeah,
Card Issuing $3.5 $3.9 $4.1 1.8%
innovation and more
Prepaid $1.0 $1.1 $1.4 4.0%
Merchant Acquiring $9.1 $11.8 $14.7 9.0%
at POS online
shopping
Source: The Nilson Report, World Report and RJ&A research 10/2011
12. Cool Stuff Happening at the POS
Innovation at the POS will support the shift from cash to electronic transactions and
thus driving revenue growth for Acquirors.
QR Codes Mobile POS Cloud POS Ultrasonic
Quick Checkout
Cardless Debit
Carrier to Retail
Wallet
Loyalty Social Cards & Data
13. Themes to Watch For in Retail Payments
Square market approach combines POS
Own the customer +
for merchants and wallet for consumers.
This convergence optimizes CRM, enables
more enhanced loyalty and offer features
and merchant and frankly creates a nice and sticky
switching cost for merchants.
Big data will become more
instrumental in tracking usage
and behavior to drive timely
and relevant offers to
Loyalty, incentives, consumers. First evolution will
be at card side, as PMs start
ads and big data tying user # to merchant ID
and track data on network
backend. Next evolution will
be at the wallet or POS,
tapping into Level III data and
tracking consumers across the
network backend.
Technologies that are convenient, easy to
deploy, easy to understand and make the
Customer experience Don’t wait in
line Payment
Enter my phone
overall purchasing experience better for
consumers will be great interim plays
+ pin and go –
no wallet! until NFC goes mainstream.