Financial Services Marketing-B.V.RaghunandanSVS College
Challenges and opportunities in marketing of financial services by Indian banks as presented by B.V.Raghunandan at Karnataka Bank Staff Training College, Mangalore
Financial Services Marketing-B.V.RaghunandanSVS College
Challenges and opportunities in marketing of financial services by Indian banks as presented by B.V.Raghunandan at Karnataka Bank Staff Training College, Mangalore
Monetary Policy Communication Challenges, based on Bank of Uganda's experience. A presentation made during the Public Relations Seminar at the Deutch Bundesbank.
Key Message: Effective Communication does not guarantee effective monetary policy, but effective monetary policy cannot be guaranteed without effective communication.
A Presentation made at the IMF –East AFRITAC Workshop on Central Bank Communication Mount Meru Hotel, Arusha Tanzania.
Monetary Policy Communication Challenges, based on Bank of Uganda's experience. A presentation made during the Public Relations Seminar at the Deutch Bundesbank.
Key Message: Effective Communication does not guarantee effective monetary policy, but effective monetary policy cannot be guaranteed without effective communication.
A Presentation made at the IMF –East AFRITAC Workshop on Central Bank Communication Mount Meru Hotel, Arusha Tanzania.
You must know media in order to make the media work for you. The media can be an efficiency and effective tool for business growth and development. You can use the media to leverage your business.
Embracing the Consumer Duty Imperative: A Comprehensive GuideRNayak3
With the Financial Conduct Authority introducing changes to its Consumer Duty regulations, this paper elucidates the implications and consequences of non-compliance.
Integrated Marketing Communication - Liability for Misleading Advertisements ...Akanksha Gohil
Liability for Misleading Advertisements – Key
Features of Consumer Protection Bill Recently Passed
1.Law passed
2. Its liablities
3. Reaction of the population
4. Future strategies
5. Critical analysis
6. conclusion
This presentation on the G20/OECD High-Level principles on Financial Consumer Protection and sectoral guarantee arrangements by Sebastian Schich addresses the role of guarantee arrangements to protect consumer assets in the financial service sector, such as pension and insurance claims and bank deposits.
More information is available on the OECD website at http://www.oecd.org/finance/financialsectorguarantees.htm
http://www.oecd.org/finance/financialconsumerprotection.htm
Microfinance and financial inclusion conference @ ucspLuis Garate
Peru constitutes a paradigm in microfinance at world level. The Peruvian experience is being replicated in several countries; this process constitutes a successful experience in the development area.
The objective of this presentation is convey the knowledge about the role of the microfinance and understand the progress and challenges that this sector is facing.
The presentation includes:
1. Importance
2. What Financial Inclusion means?
3. How is going on in Peru?
• Financial System
• Microfinance Institutions
4. What else to do?
5. Opportunities
6. Final notes: Thoughts
Influence of Mobile Money on Transactions in Africa; Focus East AfricaKelvin Kizito Kiyingi
The rapid growth of mobile money in East Africa is a phenomenon which has few precedents in the region’s financial and banking history and has far reaching implications on transactions. Four main areas of focus: The history and growth of Mobile Money; The financial sector; Business; and Influence on transactions
This is a presentation on the impact of communication on business growth.Communication is the pillar on which professional relationships are built. Relating well with your associates, bosses, partners and employees enhances business growth. The presentation was made by Kelvin Kizito, Lead Consultant, Fast Lane Communication, January 19, 2015, during the Rotary Club Mengo, at Pope Paul VI Memorial Hotel, Lubaga, Kampala, Uganda.
Communication monetary policy, especially under the Inflation Targeting Lite monetary policy framework, poses certain challenges. Bank of Uganda's experience is quite insightful..
Money museums, especially those managed by Central Banks, can be effective tools for monetary policy communication by enhancing economic education and financial literacy.
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.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
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.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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.
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 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
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
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.
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 telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
1. RETHINKING FINANCIAL CONSUMER
PROTECTION IN UGANDA
KELVIN KIZITO KIYINGI
DEPUTY DIRECTOR – COMMUNICATIONS DEPARTMENT
JANUARY 2017
Microfinance CEO Working Group
in cooperation with
2. We need to rethink financial
consumer protection in order to make
inclusive finance efforts more
effective.
3. Key Elements
Policy & Regulation
Financial Institutions & Self-
regulation
Communications & Consumer
Empowerment
M&E and Behavioral Research
4. Policy & Regulation
Currently, there is neither a legal framework (no law) that covers
financial consumer protection issues nor a consumer protection
body/authority and this makes it difficult to address such related
issues. Financial consumer protection should be implemented in a
unified/holistic manner.
I recommend establishing an integrated supervisory body for
Uganda’s financial sector – supervising securities trading and
several financial institutions – with the objective of ensuring the
proper functioning , stability and integrity of Uganda’s financial
system.
Example : The Federal Financial Supervisory Authority of Germany (BaFin)
Other examples: Financial Consumer Protection in Bulgaria Banking Sector;
Insurance, Social Insurance and Investment Sector. Financial Consumer
Protection Bureau in the U.K.
German Government’s Coalition Agreement (17/12/2013) - BaFin
has always pursued Consumer Protection, but without explicit CP
mandate until 2015.
“National financial market supervision in its structure to date, comprising
the BaFin and the Deutsche Bundesbank, has prove effective and is an
essential part of the concept for the new European supervisory structure.
The BaFin will be given the opportunity to restrict or prohibit the sale of
complex and non-transparent financial products in accordance with
European regulations in cases where such products threaten the stability
of financial markets or entail disproportionate risks for investors. It will
be assigned collective protection for consumers as an important objective
in its supervisory activity.”
Key Action Points: How do we
ensure that a legal framework
that protects consumers of
financial products and services is
put in place? How do we put in
place a supervisory body that
protects consumers in the entire
financial sector?
5. Financial Institutions & Self-regulation
Financial institutions need to seek out relationships with their clients.
They need to be more transparent in their dealings and must comply
with the consumer protection legal framework. Trust and responsibility
have to be emphasized.
I recommend a three-pronged approach to financial consumer
protection in Uganda, as is already being done by the Bank of
Uganda , Supervised Financial Institutions and the Consumers.
Example: Key facts documents; under the Financial Consumer Protection Guidelines.
Where a financial services provider (bank) gives advice to a
consumer, the financial services provider (bank) shall ensure that:
(i) the advice is suitable, taking into account the circumstances and
needs of the consumer; (ii) any product or service which the
provider recommends a consumer to buy is suitable for the
consumer; (iii) there is no other product or service available to the
financial services provider that would be more suitable for the
consumer; (iv) the provider keeps sufficient records of each piece
of advice it has given to a consumer to enable it to demonstrate
that it clearly informs the consumer of any actual or potential
conflict of interest.
Key Action Points: What measures must be put in place to foster good relations between financial
institutions and their clients? What can be done to boost compliance and self-regulation among
financial institutions? How can we ensure that financial institutions are an integral part of consumer
protection efforts?
Suitability of advice
6. Communication & Consumer
Empowerment
Empowered consumers are easy to protect; are less
susceptible to exploitation.
I recommend the adoption of the financial citizenship
concept. This is a concept related to the full exercise
of the citizens’ rights and duties with respect to their
financial life.
Example 1: Central Bank of Brazil
2012 – Area of Institutional Relations and Citizenship
Integrated approach – 3 Departments: Financial Education, Communication and
Client Relationship (complaints)
Example 2: Bank of Uganda FCP Communications Strategy
Rolling out the Financial Consumer Protection Guidelines
Guarantor, Cooling-off period, Key Facts Document
Integrated approach – 3 Players: BoU, SFIs and Consumers
Financial
Inclusion
Consumer
Protection
Financial
Education
Key Action Points: How do we empower consumers? How do we
ensure that consumers are aware of their rights and
responsibilities? How do we make sure that consumers are part of
the financial products and services chain of production?
7. M&E and Behavioral Research
Current challenges in the financial sector are due to , in large
measure, the behavioral of consumers and lack of
measurement of inclusive finance efforts.
Therefore, I recommend integrating behavioral research in
all inclusive finance efforts in tandem with putting in place
measures to monitor and assess the impact of such efforts.
Main areas of focus: disclosure and transparency;
complaints handling and recourse; debt stress (loan
management); and fair treatment.
Example: AMFIU Complaints Handling System.
Complaints are received at AMFIU’s office in Kampala.
AMFIU office captures the information related to the case
The process hinges on establishing whether clarification or real
disagreement
In case of conflict, AMFIU documents the case and hears both sides.
The Committee on Complaints Handling at AMFIU discusses unresolved
issues
Key Action Points: How can we ensure that behavioral research efforts are integral
to inclusive finance initiatives? What is the best way of measuring and assessing the
impact of inclusive finance efforts? How can we use/know the form of complaints
handling preferred by the clients?
Complaints Handling
8. Recap
We need to rethink financial consumer protection in order
to make inclusive finance efforts more effective.
Currently, there is neither a legal framework (no law) that covers financial consumer protection
issues nor a consumer protection body/authority and this makes it difficult to address such related
issues. Financial consumer protection should be implemented in a unified/holistic manner.
I recommend establishing an integrated supervisory body for Uganda’s financial sector –
supervising securities trading and several financial institutions – with the objective of ensuring
the proper functioning , stability and integrity of Uganda’s financial system.
Financial institutions need to seek out relationships with their clients. They need to be more
transparent in their dealings and must comply with the consumer protection legal framework.
I recommend a three-pronged approach to financial consumer protection in Uganda, as is
already being done by the Bank of Uganda , Supervised Financial Institutions and the
Consumers.
Empowered consumers are easy to protect; are less susceptible to exploitation. Making consumers
aware of their rights and responsibilities make inclusive finance efforts more successful.
I recommend the adoption of the financial citizenship concept. This is a concept related to the
full exercise of the citizens’ rights and duties with respect to their financial life.
Current challenges in the financial sector are due to , in large measure, the behavioral of consumers
and lack of measurement of inclusive finance efforts.
Therefore, I recommend integrating behavioral research in all inclusive finance efforts in
tandem with putting in place measures to monitor and assess the impact of such efforts. Main
areas of focus: disclosure and transparency; complaints handling and recourse; debt stress; and
fair treatment.