121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Developments i...spirecorporate
Gregg Marshall, Global Head of Mobile Transaction Services at Western Union, presented on developments in digital cross-border and domestic money transfers. The presentation covered Western Union's current business model, which relies heavily on cash-to-cash consumer transfers. It outlined key strategic growth areas like digital services and partnerships with mobile network operators (MNOs). It also discussed challenges in adopting mobile money transfers and factors contributing to mPesa's success in Kenya, like a hands-off regulator and focus on adoption and customer service. The presentation concluded by stating Western Union's goal of $500 million+ in digital revenue by 2015.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Dealing with R...spirecorporate
Regulators must balance enabling financial innovation through mobile banking and payments with protecting stakeholders and maintaining compliance. Considerations for regulators include which entities can provide these services, applying appropriate risk controls and transparency rules, and assessing incentives like tax exemptions to encourage adoption. The goal is to allow sustainable, commercially viable mobile services while ensuring safety, consumer protection and competition in emerging markets.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_A Risk-Based A...spirecorporate
Regulators should take a risk-based approach to mobile financial services regulation. While services may be provided by telcos or banks, all involve both entities at some level. Financial regulators are appropriate to oversee issues involving safeguarding of money. Key risks include fraud, technical failures, money laundering, and lack of consumer protection; common controls address transaction limits, KYC, agent management, and more. Examples show tiered KYC and deposit limits based on risk.
El resumen trata sobre un conflicto entre el área de mercadeo y el área financiera de una empresa sobre la compra de pupitres para colegios. Mercadeo quiere pupitres de calidad adecuados para cada edad, mientras que finanzas busca precios bajos. Se propone una lluvia de ideas donde ambas áreas expongan sus puntos de vista. Finalmente, se acuerda realizar subastas para obtener un proveedor que ofrezca dotación de buena calidad pero a bajos precios.
Actualización de proyecciones económicas 2 t16. aterrizaje controlado en me...Fredy Garavito
El documento presenta actualizaciones de las proyecciones económicas para el segundo trimestre de 2016. Se espera que la economía global se desacelere y que los mercados financieros sean volátiles. Las proyecciones de crecimiento mundial fueron revisadas a la baja. Para Colombia, se espera un crecimiento del PIB de 2,6% en 2016, una inflación de 5,4% y un déficit fiscal de 3,6% del PIB. El entorno externo seguirá siendo desafiante debido a la incertidumbre en los mercados financier
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Developments i...spirecorporate
Gregg Marshall, Global Head of Mobile Transaction Services at Western Union, presented on developments in digital cross-border and domestic money transfers. The presentation covered Western Union's current business model, which relies heavily on cash-to-cash consumer transfers. It outlined key strategic growth areas like digital services and partnerships with mobile network operators (MNOs). It also discussed challenges in adopting mobile money transfers and factors contributing to mPesa's success in Kenya, like a hands-off regulator and focus on adoption and customer service. The presentation concluded by stating Western Union's goal of $500 million+ in digital revenue by 2015.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Dealing with R...spirecorporate
Regulators must balance enabling financial innovation through mobile banking and payments with protecting stakeholders and maintaining compliance. Considerations for regulators include which entities can provide these services, applying appropriate risk controls and transparency rules, and assessing incentives like tax exemptions to encourage adoption. The goal is to allow sustainable, commercially viable mobile services while ensuring safety, consumer protection and competition in emerging markets.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_A Risk-Based A...spirecorporate
Regulators should take a risk-based approach to mobile financial services regulation. While services may be provided by telcos or banks, all involve both entities at some level. Financial regulators are appropriate to oversee issues involving safeguarding of money. Key risks include fraud, technical failures, money laundering, and lack of consumer protection; common controls address transaction limits, KYC, agent management, and more. Examples show tiered KYC and deposit limits based on risk.
El resumen trata sobre un conflicto entre el área de mercadeo y el área financiera de una empresa sobre la compra de pupitres para colegios. Mercadeo quiere pupitres de calidad adecuados para cada edad, mientras que finanzas busca precios bajos. Se propone una lluvia de ideas donde ambas áreas expongan sus puntos de vista. Finalmente, se acuerda realizar subastas para obtener un proveedor que ofrezca dotación de buena calidad pero a bajos precios.
Actualización de proyecciones económicas 2 t16. aterrizaje controlado en me...Fredy Garavito
El documento presenta actualizaciones de las proyecciones económicas para el segundo trimestre de 2016. Se espera que la economía global se desacelere y que los mercados financieros sean volátiles. Las proyecciones de crecimiento mundial fueron revisadas a la baja. Para Colombia, se espera un crecimiento del PIB de 2,6% en 2016, una inflación de 5,4% y un déficit fiscal de 3,6% del PIB. El entorno externo seguirá siendo desafiante debido a la incertidumbre en los mercados financier
The document analyzes the cross media campaign for the film "The Dark Knight Rises". It discusses several posters and scenes that were used to promote the movie. The posters show Batman in his darkest state and Bane as his unstoppable enemy. Scenes portrayed Bane as an imposing villain with immense strength who aims to break Batman physically and symbolically. The marketing portrayed Bane as Gotham's nightmare and Batman's greatest challenge.
Dokumen tersebut memberikan informasi mengenai uji ketelitian pipetasi yang meliputi prinsip kerja pipet gelas dan pipet piston, cara penggunaannya, serta pengukuran konsentrasi sampel menggunakan spektrofotometer berdasarkan hukum Lambert-Beer. Dokumen ini juga menjelaskan standar deviasi yang digunakan untuk mengukur risiko investasi dan absorptivitas molar sebagai karakteristik zat yang menentukan besaran serapan cahaya ole
This document discusses Intraoperative Floppy Iris Syndrome (IFIS), which is a complication that can occur during cataract surgery characterized by a floppy iris that billows and prolapses. IFIS is primarily caused by the medication tamsulosin and can lead to surgical complications. The document provides tips for managing IFIS, including preoperative atropine, intracameral epinephrine, Healon 5, and iris hooks or pupil expanders during surgery. A thorough medication history is important to identify patients who may be at risk for IFIS.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_COMPLIANCE V/S...spirecorporate
This document discusses mobile banking and payments ecosystems. It outlines the increasing trend of non-cash transactions globally, especially in emerging markets, and the rise of electronic payments. Mobile phones and technology are driving this growth. The document also discusses security challenges, regulatory expectations around compliance, and balancing compliance with customer convenience. It introduces C-SAM, a pioneer in mobile commerce and payments, and their carrier-grade mobile wallet platform.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Bank Sinar Bra...spirecorporate
Bank Sinar Harapan Bali is a subsidiary of Bank Mandiri focused on micro-segment development in Bali. It has over 140,000 customers and $833.9 million in total funding and $628.7 million in total credit. While many countries still have financial inclusion issues, Indonesia has a particularly high percentage of the population - 49% - with no financial access. This is due to factors such as the low number of bank branches and ATMs, as well as low financial literacy. However, Indonesia has high mobile phone penetration and growing internet and social media usage, presenting an opportunity to increase financial inclusion through branchless banking and mobile payments. Key challenges include mobile network coverage, regulation, and lack of
Presentation for the UX workshop I conducted at a Startup Leadership Program in Gurgaon on behalf of Paperkite.
Its not about you entrepreneurs, its always about the users.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Next Generatio...spirecorporate
This document discusses the transformation of banking in emerging markets over the past 10 years. Banking channels have evolved from primarily physical branches, ATMs, and call centers to also include internet and mobile banking. This has allowed banking to become more convenient and accessible for customers anytime, anywhere. Mobile banking capability especially has grown significantly as smartphone ownership increases. Looking ahead, banks will continue integrating channels to accommodate changing customer needs and behaviors driven by technology and demographics.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Reviewing Grow...spirecorporate
The document discusses the growth of mobile wallet ecosystems in emerging markets. It identifies opportunities in the mobile wallet space for stakeholders, especially in underbanked or unbanked markets. Key control points for mobile wallets are identified as important for commercially viable growth.