Indonesian banking layer, landmark and common system configuration as well as the possibility point of entry for IT start up company or mid to big size one.
South Africa's Social Security Administration (SASSA) pays various unconditional cash transfers to 9 million recipients through different payment methods. Up until March 2012, payments were made through cash-based services at pay points (41% of recipients) or through bank accounts (59% of recipients). The procurement process to consolidate the payment arrangements was messy, with tenders cancelled and contracts disputed in court. As of March 2012, all recipients receive payments on a new biometric-based smart card issued by SASSA. Recipients had varying experiences with the prior payment methods, with those receiving cash citing lower costs but long wait times, while those with bank accounts preferred flexibility but disliked fees.
Indonesian Banking Outlook by Felia Salimppibelanda
The document summarizes Indonesia's economic challenges from a banking perspective to support an innovation-driven economy. It outlines that Indonesia faces structural problems such as dependency on agriculture/resources, poor infrastructure, low human resource quality, and inefficient bureaucracy that impact various sectors. Specifically, it notes Indonesia spends less than other Asian countries on research and development and has a dominant lower middle class segment. The document argues that creative, innovative solutions are needed to develop a value-added economy and addresses how banks can help finance non-basic sectors.
Dokumen tersebut membahas delapan segmen konsumen kelas menengah di Indonesia berdasarkan tiga dimensi yaitu sumber daya, pengetahuan, dan koneksi sosial. Delapan segmen tersebut adalah Performer, Aspirator, Expert, Climber, Busy Bee, Socialite, Family First, dan Traditionalist.
[White Paper] Indonesia 2020: The Urban Middle-Class MillennialsHasanuddin Ali
Dokumen tersebut memprediksi wajah Indonesia pada tahun 2020, yang akan didominasi oleh penduduk perkotaan kelas menengah dan generasi milenial. Populasi perkotaan diperkirakan mencapai 56,7% pada tahun 2020 dan 66,6% pada tahun 2035. Kelas menengah diperkirakan terus bertumbuh dan akan menjadi motor penggerak ekonomi. Generasi milenial juga akan menjadi bagian besar dari populasi Indonesia pada tah
Internet-Based Products in Islamic Commercial Banks in IndonesiaYuli Andriansyah
Paper presented at The 2015 International Congress on Economics, Social Sciences and Information Management
(ICESSIM 2015), Sheraton Bali Kuta Resort, March 28-29, 2015.
This document discusses digital banking versus branch banking and provides a roadmap for ING Vysya Bank to move towards more digital banking. It highlights the advantages of digital banking through a SWOT analysis and compares the products offered by ING Vysya Bank and Axis Bank. Additional features for ING's digital platform like wallets, chat, a virtual branch, and customized products are proposed. Research findings show a need for banks to improve digital services to increase profits and customer base.
This presentation is about how can we go without cash.
No of digital banking products available in market and their uses.
Here i carried out all Digi products of Indian Bank as an example.
Thanks
South Africa's Social Security Administration (SASSA) pays various unconditional cash transfers to 9 million recipients through different payment methods. Up until March 2012, payments were made through cash-based services at pay points (41% of recipients) or through bank accounts (59% of recipients). The procurement process to consolidate the payment arrangements was messy, with tenders cancelled and contracts disputed in court. As of March 2012, all recipients receive payments on a new biometric-based smart card issued by SASSA. Recipients had varying experiences with the prior payment methods, with those receiving cash citing lower costs but long wait times, while those with bank accounts preferred flexibility but disliked fees.
Indonesian Banking Outlook by Felia Salimppibelanda
The document summarizes Indonesia's economic challenges from a banking perspective to support an innovation-driven economy. It outlines that Indonesia faces structural problems such as dependency on agriculture/resources, poor infrastructure, low human resource quality, and inefficient bureaucracy that impact various sectors. Specifically, it notes Indonesia spends less than other Asian countries on research and development and has a dominant lower middle class segment. The document argues that creative, innovative solutions are needed to develop a value-added economy and addresses how banks can help finance non-basic sectors.
Dokumen tersebut membahas delapan segmen konsumen kelas menengah di Indonesia berdasarkan tiga dimensi yaitu sumber daya, pengetahuan, dan koneksi sosial. Delapan segmen tersebut adalah Performer, Aspirator, Expert, Climber, Busy Bee, Socialite, Family First, dan Traditionalist.
[White Paper] Indonesia 2020: The Urban Middle-Class MillennialsHasanuddin Ali
Dokumen tersebut memprediksi wajah Indonesia pada tahun 2020, yang akan didominasi oleh penduduk perkotaan kelas menengah dan generasi milenial. Populasi perkotaan diperkirakan mencapai 56,7% pada tahun 2020 dan 66,6% pada tahun 2035. Kelas menengah diperkirakan terus bertumbuh dan akan menjadi motor penggerak ekonomi. Generasi milenial juga akan menjadi bagian besar dari populasi Indonesia pada tah
Internet-Based Products in Islamic Commercial Banks in IndonesiaYuli Andriansyah
Paper presented at The 2015 International Congress on Economics, Social Sciences and Information Management
(ICESSIM 2015), Sheraton Bali Kuta Resort, March 28-29, 2015.
This document discusses digital banking versus branch banking and provides a roadmap for ING Vysya Bank to move towards more digital banking. It highlights the advantages of digital banking through a SWOT analysis and compares the products offered by ING Vysya Bank and Axis Bank. Additional features for ING's digital platform like wallets, chat, a virtual branch, and customized products are proposed. Research findings show a need for banks to improve digital services to increase profits and customer base.
This presentation is about how can we go without cash.
No of digital banking products available in market and their uses.
Here i carried out all Digi products of Indian Bank as an example.
Thanks
The document discusses digital financial services (DFS) for underserved populations. It provides an overview of various DFS models including bank-led models where banks partner with non-banks to expand reach, and non-bank led models where mobile network operators (MNOs) provide financial services. The document compares the advantages and disadvantages of different technology options for DFS like SMS banking, mobile banking, POS devices, and voice IVR. It also discusses factors that affect the uptake of DFS like the presence of alternate financial channels, demographic characteristics, and socio-economic conditions of the target population.
The document discusses the banking industry in India. It notes that India is projected to become the 5th largest consumer economy by 2025. The banking industry in India is dominated by public sector banks, though private sector and online banking are growing. The document outlines opportunities and challenges in rural banking, online banking, and branch banking. It discusses factors that influence customer behavior and provides a roadmap for differentiating offerings across customer segments and delivery channels to improve the customer experience.
National Bank of Pakistan (NBP) is the largest commercial bank in Pakistan. It has over 1,280 branches nationwide and additional international branches and offices. NBP provides various banking services to individuals, corporations, and the government. Its business portfolio includes debt/equity markets, corporate investment banking, retail/consumer banking, agricultural financing, and treasury services. The document outlines NBP's organizational structure, departments, products, and services. It also discusses the role of management information systems in supporting decision making and operational efficiency within the banking sector.
The document summarizes a presentation given on digital banking in India. It provides an overview of the Indian banking system and reforms, discusses various committees formed by the RBI to advance banking technology. It also reviews literature on digital banking, outlines the objectives and methodology of the study. Additionally, it examines guidelines from RBI on payments and settlements, the role of IDRBT in digital banking frameworks. Finally, it analyzes the various digital banking products and services offered by major public sector banks in India like SBI, PNB and others.
Axis Bank was formerly known as UTI Bank and was established in 1994 through a joint venture between Unit Trust of India and other insurance companies. The bank rebranded itself as Axis Bank in 2007 to reflect its national and international presence. Axis Bank offers various retail and corporate banking products and services through its network of over 1,200 branches across India. It aims to be the preferred financial solutions provider through excellent customer service, empowered employees, and smart technology use. The bank has experienced strong growth in recent years and plans further expansion of its branch network and services.
Axis Bank marketing strategy presentation submitted as part of group assignment on Marketing Strategy by our SMP09 group. Presentation submitted to Prof. Ramanuj Majumdar, IIMC Kolkata.
Pan Asia Banking Corporation PLC is a public limited company incorporated in Sri Lanka in 1995. It operates as a licensed commercial bank listed on the Colombo Stock Exchange. The bank's vision is to become the most customer preferred commercial bank in Sri Lanka by providing professional, personalized, secure, and quality banking services using modern technology and innovative products. It offers services such as personal and business accounts, credit cards, deposits, investments, loans, and remittances. The bank aims to focus on differentiation and target specific customer segments to meet their needs through specialized products and services. It plans to improve technology over time through initiatives like enhanced online banking, mobile banking, and chip-based cards.
The document provides information on the Unified Banking Process Framework (UBPF) including:
- The UBPF was developed by Singapore Management University in collaboration with technology and operations leaders across the banking industry to develop IT skills for the banking sector.
- It outlines the four major business segments in banking, key processes within each segment, and contributors from various banks and organizations that helped develop the framework.
- The framework provides a knowledge map of the essential domain, process and systems knowledge that IT professionals need to support the banking business across the major business segments.
How Leading Financial Services Organizations Gain Competitive Edge With Inter...ibi
This presentation summarizes how leading financial services organizations have become more competitive by delivering interactive analytics to their customers.
This document discusses digital banking strategies and the transition from traditional to digital banking models. It analyzes the strengths, weaknesses, opportunities, and threats of digital versus branch banking. Survey results show most customers prefer digital banking and mobile apps. The document recommends strategies for ING Vysya Bank to improve its digital offerings, such as developing mobile banking apps, an e-wallet, personal finance tools, and partnerships to drive customer acquisition and retention. Adopting new digital technologies is crucial for the bank to reduce costs and better serve customers into the future.
Rabo Development & Sustainable DistributionDan Armstrong
Rabo Development is using mobile and branchless banking models to expand access to financial services in sub-Saharan Africa. They have launched several successful mobile banking programs through their partner banks in countries like Zambia, Malawi, Tanzania, and Rwanda. These programs allow customers to access services like balance checks, money transfers, bill payments, and prepaid services directly from their mobile phones without needing to visit a traditional bank branch. For example, in Rwanda, Rabo Development helped automate all 191 branches of the largest bank, BPR, and launch a mobile banking program that now has over 150,000 customers.
YAR-Bank has launched its new internet bank after two years of development. Key accomplishments include creating new IT systems, developing attractive retail products, rebranding the bank, and staying within budget. The new functionality includes 10 new applications covering processing, customer relationship management, credit decisions, deposits, call center support, and more. Fraud prevention policies are in place, including document verification. Credit risk is mitigated through technical and financial analysis, including credit scores. New products include loans, deposits, and credit cards with competitive rates and limits. Marketing plans include promotion, media relations, online advertising, and a campaign.
The four pillars of the financial system are savers, users, financial markets, and financial intermediaries. Banks are a key financial intermediary that mobilizes deposits from savers and lends to users, providing various financial services. While traditional banking has benefits like personal relationships, modern banking provides advantages such as accessibility, speed, and lower transaction costs through new technologies. Both systems have pros and cons, and majority of customers in India still prefer traditional banking.
Principles and Practices of Banking Module 5ARUNKUMAR7358
Banking Technology
Concept of universal banking
Home banking
ATM’s
Internet banking
Mobile banking
Core banking solutions
Debit, credit and smart cards
Electronic payment system
MICR
Cheque truncation
ECS
EFT
NEFT
RTGS
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
The document analyzes banking in India, comparing branch and digital banking. It finds that while branch banking offers personal connections, digital banking provides convenience and accessibility. A survey showed students prefer digital banking, while older people prefer branches. The document proposes a long-term roadmap to promote digital banking segment-wise, especially in rural areas, to increase inclusion while addressing issues like security, access, and lack of knowledge.
The document provides an overview of Axis Bank, one of India's largest private sector banks. Some key points:
- Axis Bank was the first new private sector bank established in India in 1994.
- It has over 1622 branches across India and one of the largest ATM networks with over 9924 ATMs.
- The bank focuses on retail banking, corporate banking, treasury and merchant banking services.
- It aims to be the preferred financial solutions provider through excellent customer service, empowered employees, and technology.
Meezan Bank offers Islamic banking products and services through a network of over 385 branches. It aims to increase awareness of its services and deposit accounts. Key objectives are to improve EPS, increase consumer deposit accounts by 35%, and expand its branch network in remote areas. The strategic report analyzes Meezan Bank's performance, market share, competition, costs, and customer preferences compared to other major banks.
The document provides information about Soneri Bank, including its history, organizational structure, products and services. Some key points:
- Soneri Bank was incorporated in 1991 in Pakistan and is a fully accredited commercial bank with over 230 branches.
- It offers various retail and corporate banking services, including savings accounts, loans, trade finance, Islamic banking, and money transfers.
- The bank has a clear organizational structure to direct tasks, coordination, and supervision towards achieving its goals.
- Products and services discussed include retail banking, corporate banking, Islamic banking, money transfers, investor relations, ATM services, and debit cards.
This document discusses digitalization in the Indian banking industry. It begins by comparing digital and branch banking, noting who prefers each and why. It then examines the SWOT of digital and branch banking. Several major Indian banks like SBI and ICICI are highlighted as leaders in digitalization efforts. The document outlines India's sentiment toward digitalization and banks' roadmaps. It also reviews ING Vysya Bank's products/services and the size and growth of the overall Indian banking industry. Competitors' digital products are listed and industry growth predictions are presented.
Inovasi melalui design thinking - Kuliah umum IBSYudy Yunardy
Design thinking adalah proses berulang yang berfokus pada pengguna untuk menciptakan inovasi melalui empati, ide kreatif, dan uji coba berulang. Dokumen ini menjelaskan prinsip-prinsip design thinking dan contoh penerapannya dalam menyelesaikan masalah kebersihan toilet kampus.
The document discusses digital financial services (DFS) for underserved populations. It provides an overview of various DFS models including bank-led models where banks partner with non-banks to expand reach, and non-bank led models where mobile network operators (MNOs) provide financial services. The document compares the advantages and disadvantages of different technology options for DFS like SMS banking, mobile banking, POS devices, and voice IVR. It also discusses factors that affect the uptake of DFS like the presence of alternate financial channels, demographic characteristics, and socio-economic conditions of the target population.
The document discusses the banking industry in India. It notes that India is projected to become the 5th largest consumer economy by 2025. The banking industry in India is dominated by public sector banks, though private sector and online banking are growing. The document outlines opportunities and challenges in rural banking, online banking, and branch banking. It discusses factors that influence customer behavior and provides a roadmap for differentiating offerings across customer segments and delivery channels to improve the customer experience.
National Bank of Pakistan (NBP) is the largest commercial bank in Pakistan. It has over 1,280 branches nationwide and additional international branches and offices. NBP provides various banking services to individuals, corporations, and the government. Its business portfolio includes debt/equity markets, corporate investment banking, retail/consumer banking, agricultural financing, and treasury services. The document outlines NBP's organizational structure, departments, products, and services. It also discusses the role of management information systems in supporting decision making and operational efficiency within the banking sector.
The document summarizes a presentation given on digital banking in India. It provides an overview of the Indian banking system and reforms, discusses various committees formed by the RBI to advance banking technology. It also reviews literature on digital banking, outlines the objectives and methodology of the study. Additionally, it examines guidelines from RBI on payments and settlements, the role of IDRBT in digital banking frameworks. Finally, it analyzes the various digital banking products and services offered by major public sector banks in India like SBI, PNB and others.
Axis Bank was formerly known as UTI Bank and was established in 1994 through a joint venture between Unit Trust of India and other insurance companies. The bank rebranded itself as Axis Bank in 2007 to reflect its national and international presence. Axis Bank offers various retail and corporate banking products and services through its network of over 1,200 branches across India. It aims to be the preferred financial solutions provider through excellent customer service, empowered employees, and smart technology use. The bank has experienced strong growth in recent years and plans further expansion of its branch network and services.
Axis Bank marketing strategy presentation submitted as part of group assignment on Marketing Strategy by our SMP09 group. Presentation submitted to Prof. Ramanuj Majumdar, IIMC Kolkata.
Pan Asia Banking Corporation PLC is a public limited company incorporated in Sri Lanka in 1995. It operates as a licensed commercial bank listed on the Colombo Stock Exchange. The bank's vision is to become the most customer preferred commercial bank in Sri Lanka by providing professional, personalized, secure, and quality banking services using modern technology and innovative products. It offers services such as personal and business accounts, credit cards, deposits, investments, loans, and remittances. The bank aims to focus on differentiation and target specific customer segments to meet their needs through specialized products and services. It plans to improve technology over time through initiatives like enhanced online banking, mobile banking, and chip-based cards.
The document provides information on the Unified Banking Process Framework (UBPF) including:
- The UBPF was developed by Singapore Management University in collaboration with technology and operations leaders across the banking industry to develop IT skills for the banking sector.
- It outlines the four major business segments in banking, key processes within each segment, and contributors from various banks and organizations that helped develop the framework.
- The framework provides a knowledge map of the essential domain, process and systems knowledge that IT professionals need to support the banking business across the major business segments.
How Leading Financial Services Organizations Gain Competitive Edge With Inter...ibi
This presentation summarizes how leading financial services organizations have become more competitive by delivering interactive analytics to their customers.
This document discusses digital banking strategies and the transition from traditional to digital banking models. It analyzes the strengths, weaknesses, opportunities, and threats of digital versus branch banking. Survey results show most customers prefer digital banking and mobile apps. The document recommends strategies for ING Vysya Bank to improve its digital offerings, such as developing mobile banking apps, an e-wallet, personal finance tools, and partnerships to drive customer acquisition and retention. Adopting new digital technologies is crucial for the bank to reduce costs and better serve customers into the future.
Rabo Development & Sustainable DistributionDan Armstrong
Rabo Development is using mobile and branchless banking models to expand access to financial services in sub-Saharan Africa. They have launched several successful mobile banking programs through their partner banks in countries like Zambia, Malawi, Tanzania, and Rwanda. These programs allow customers to access services like balance checks, money transfers, bill payments, and prepaid services directly from their mobile phones without needing to visit a traditional bank branch. For example, in Rwanda, Rabo Development helped automate all 191 branches of the largest bank, BPR, and launch a mobile banking program that now has over 150,000 customers.
YAR-Bank has launched its new internet bank after two years of development. Key accomplishments include creating new IT systems, developing attractive retail products, rebranding the bank, and staying within budget. The new functionality includes 10 new applications covering processing, customer relationship management, credit decisions, deposits, call center support, and more. Fraud prevention policies are in place, including document verification. Credit risk is mitigated through technical and financial analysis, including credit scores. New products include loans, deposits, and credit cards with competitive rates and limits. Marketing plans include promotion, media relations, online advertising, and a campaign.
The four pillars of the financial system are savers, users, financial markets, and financial intermediaries. Banks are a key financial intermediary that mobilizes deposits from savers and lends to users, providing various financial services. While traditional banking has benefits like personal relationships, modern banking provides advantages such as accessibility, speed, and lower transaction costs through new technologies. Both systems have pros and cons, and majority of customers in India still prefer traditional banking.
Principles and Practices of Banking Module 5ARUNKUMAR7358
Banking Technology
Concept of universal banking
Home banking
ATM’s
Internet banking
Mobile banking
Core banking solutions
Debit, credit and smart cards
Electronic payment system
MICR
Cheque truncation
ECS
EFT
NEFT
RTGS
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
The document analyzes banking in India, comparing branch and digital banking. It finds that while branch banking offers personal connections, digital banking provides convenience and accessibility. A survey showed students prefer digital banking, while older people prefer branches. The document proposes a long-term roadmap to promote digital banking segment-wise, especially in rural areas, to increase inclusion while addressing issues like security, access, and lack of knowledge.
The document provides an overview of Axis Bank, one of India's largest private sector banks. Some key points:
- Axis Bank was the first new private sector bank established in India in 1994.
- It has over 1622 branches across India and one of the largest ATM networks with over 9924 ATMs.
- The bank focuses on retail banking, corporate banking, treasury and merchant banking services.
- It aims to be the preferred financial solutions provider through excellent customer service, empowered employees, and technology.
Meezan Bank offers Islamic banking products and services through a network of over 385 branches. It aims to increase awareness of its services and deposit accounts. Key objectives are to improve EPS, increase consumer deposit accounts by 35%, and expand its branch network in remote areas. The strategic report analyzes Meezan Bank's performance, market share, competition, costs, and customer preferences compared to other major banks.
The document provides information about Soneri Bank, including its history, organizational structure, products and services. Some key points:
- Soneri Bank was incorporated in 1991 in Pakistan and is a fully accredited commercial bank with over 230 branches.
- It offers various retail and corporate banking services, including savings accounts, loans, trade finance, Islamic banking, and money transfers.
- The bank has a clear organizational structure to direct tasks, coordination, and supervision towards achieving its goals.
- Products and services discussed include retail banking, corporate banking, Islamic banking, money transfers, investor relations, ATM services, and debit cards.
This document discusses digitalization in the Indian banking industry. It begins by comparing digital and branch banking, noting who prefers each and why. It then examines the SWOT of digital and branch banking. Several major Indian banks like SBI and ICICI are highlighted as leaders in digitalization efforts. The document outlines India's sentiment toward digitalization and banks' roadmaps. It also reviews ING Vysya Bank's products/services and the size and growth of the overall Indian banking industry. Competitors' digital products are listed and industry growth predictions are presented.
Similar to Indonesian Banking from System Perspective 2013 @iStart Singapore event (20)
Inovasi melalui design thinking - Kuliah umum IBSYudy Yunardy
Design thinking adalah proses berulang yang berfokus pada pengguna untuk menciptakan inovasi melalui empati, ide kreatif, dan uji coba berulang. Dokumen ini menjelaskan prinsip-prinsip design thinking dan contoh penerapannya dalam menyelesaikan masalah kebersihan toilet kampus.
1. Dokumen tersebut memberikan panduan lengkap tentang budidaya tanaman di rumah, mulai dari pemilihan tanaman, media tanam, pupuk, dan perawatan tanaman.
This document provides advice on navigating the globalized labor market and career advancement. It discusses the positive and negative effects of globalization on work. Positives include new opportunities like startups and new employment areas like data analytics and digital marketing. Negatives include impacts on unskilled labor and changing work nature. The document then offers tips for students to find jobs, ace interviews by preparing and dressing professionally, and work their way up through managing relationships with bosses, colleagues, and rivals while doing work they enjoy.
Dokumen tersebut berisi soal-soal ujian tentang Pengantar Perbankan yang mencakup berbagai aspek seperti peraturan perbankan, jenis bank dan produk perbankan, analisis keuangan, manajemen risiko, dan operasional perbankan.
Dokumen tersebut memberikan penjelasan mengenai organisasi bank dan kegiatan front office bank. Secara ringkas, dokumen tersebut menjelaskan bahwa organisasi bank terdiri dari berbagai divisi dan bagian untuk mencapai tujuan keuntungan, serta menjelaskan jenis-jenis kantor bank dan tugas divisi front office seperti teller, customer service, dan marketing officer.
Starts with what students will face after graduation. Finding the best job, ace the interview and work your way up. How to manage your boss, friends and allies. How to maneuver in politics.
Dokumen ini memberikan ringkasan tentang latar belakang penulis yang memiliki pengalaman 15 tahun di bidang perbankan, termasuk di bidang operasional trade finance dan manajemen informasi. Dokumen ini juga menjelaskan aturan-aturan kelas dan evaluasi penugasan, serta penugasan kelas sebelumnya tentang alasan pemerintah menyelamatkan bank yang hampir bangkrut dan perubahan peraturan perbankan Indonesia.
Introduction to international trade, international trade theory, international trade trends. Assignment : E-commerce will be booming in 2015, why? Give the global sales of B2C e-commerce in 2012-2013 data, compare with world merchandise export by major group in 2013 (from WTO) to support your reasoning
Introduction to banking course 1. Origins, functions and roles of money. Origins, functions and roles of bank. Roles of central bank. Added CV and Quiz at the end of course.
The document provides an introduction to international trade, including reasons for trade, production possibilities, absolute and comparative advantage, benefits of specialization, and the relationship between specialization and trade. It defines key concepts such as absolute advantage, comparative advantage, and opportunity costs. It explains how comparative advantage allows countries to benefit from trade even if one country has an absolute advantage in all goods. Specialization according to comparative advantage results in more efficient allocation of resources and a larger quantity of outputs for trading nations.
MCBS 1.0 is a micro core-banking simulation with modules for transactions, customers, and end of day processes. It simulates in-house transfers, bank statements, and liabilities product types. The document announces version 1.0 of the simulation and thanks the viewer.
Thesis Journal - ANALISIS PENGARUH INFLASI, NILAI TUKAR, ROA, DER DAN CAR TE...Yudy Yunardy
The result of this research shows inflation, exchange rate and Debt to Equity Ratio (DER) variables has a negative and significant influence to stock return, in other hand Return On Asset (ROA) and Capital Adequacy Ratio (CAR)
has a positive and significant influence to stock return on banking industry. This result is expected that inflation, exchange rate, Return On Asset (ROA), Debt to Equity Ratio (DER) and Capital Adequacy Ratio (CAR) variable can be made reference, either by company management and also by investors in determining investment strategy.
Introduction of Cybersecurity with OSS at Code Europe 2024Hiroshi SHIBATA
I develop the Ruby programming language, RubyGems, and Bundler, which are package managers for Ruby. Today, I will introduce how to enhance the security of your application using open-source software (OSS) examples from Ruby and RubyGems.
The first topic is CVE (Common Vulnerabilities and Exposures). I have published CVEs many times. But what exactly is a CVE? I'll provide a basic understanding of CVEs and explain how to detect and handle vulnerabilities in OSS.
Next, let's discuss package managers. Package managers play a critical role in the OSS ecosystem. I'll explain how to manage library dependencies in your application.
I'll share insights into how the Ruby and RubyGems core team works to keep our ecosystem safe. By the end of this talk, you'll have a better understanding of how to safeguard your code.
Connector Corner: Seamlessly power UiPath Apps, GenAI with prebuilt connectorsDianaGray10
Join us to learn how UiPath Apps can directly and easily interact with prebuilt connectors via Integration Service--including Salesforce, ServiceNow, Open GenAI, and more.
The best part is you can achieve this without building a custom workflow! Say goodbye to the hassle of using separate automations to call APIs. By seamlessly integrating within App Studio, you can now easily streamline your workflow, while gaining direct access to our Connector Catalog of popular applications.
We’ll discuss and demo the benefits of UiPath Apps and connectors including:
Creating a compelling user experience for any software, without the limitations of APIs.
Accelerating the app creation process, saving time and effort
Enjoying high-performance CRUD (create, read, update, delete) operations, for
seamless data management.
Speakers:
Russell Alfeche, Technology Leader, RPA at qBotic and UiPath MVP
Charlie Greenberg, host
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdfChart Kalyan
A Mix Chart displays historical data of numbers in a graphical or tabular form. The Kalyan Rajdhani Mix Chart specifically shows the results of a sequence of numbers over different periods.
Main news related to the CCS TSI 2023 (2023/1695)Jakub Marek
An English 🇬🇧 translation of a presentation to the speech I gave about the main changes brought by CCS TSI 2023 at the biggest Czech conference on Communications and signalling systems on Railways, which was held in Clarion Hotel Olomouc from 7th to 9th November 2023 (konferenceszt.cz). Attended by around 500 participants and 200 on-line followers.
The original Czech 🇨🇿 version of the presentation can be found here: https://www.slideshare.net/slideshow/hlavni-novinky-souvisejici-s-ccs-tsi-2023-2023-1695/269688092 .
The videorecording (in Czech) from the presentation is available here: https://youtu.be/WzjJWm4IyPk?si=SImb06tuXGb30BEH .
AppSec PNW: Android and iOS Application Security with MobSFAjin Abraham
Mobile Security Framework - MobSF is a free and open source automated mobile application security testing environment designed to help security engineers, researchers, developers, and penetration testers to identify security vulnerabilities, malicious behaviours and privacy concerns in mobile applications using static and dynamic analysis. It supports all the popular mobile application binaries and source code formats built for Android and iOS devices. In addition to automated security assessment, it also offers an interactive testing environment to build and execute scenario based test/fuzz cases against the application.
This talk covers:
Using MobSF for static analysis of mobile applications.
Interactive dynamic security assessment of Android and iOS applications.
Solving Mobile app CTF challenges.
Reverse engineering and runtime analysis of Mobile malware.
How to shift left and integrate MobSF/mobsfscan SAST and DAST in your build pipeline.
Fueling AI with Great Data with Airbyte WebinarZilliz
This talk will focus on how to collect data from a variety of sources, leveraging this data for RAG and other GenAI use cases, and finally charting your course to productionalization.
Discover top-tier mobile app development services, offering innovative solutions for iOS and Android. Enhance your business with custom, user-friendly mobile applications.
In the realm of cybersecurity, offensive security practices act as a critical shield. By simulating real-world attacks in a controlled environment, these techniques expose vulnerabilities before malicious actors can exploit them. This proactive approach allows manufacturers to identify and fix weaknesses, significantly enhancing system security.
This presentation delves into the development of a system designed to mimic Galileo's Open Service signal using software-defined radio (SDR) technology. We'll begin with a foundational overview of both Global Navigation Satellite Systems (GNSS) and the intricacies of digital signal processing.
The presentation culminates in a live demonstration. We'll showcase the manipulation of Galileo's Open Service pilot signal, simulating an attack on various software and hardware systems. This practical demonstration serves to highlight the potential consequences of unaddressed vulnerabilities, emphasizing the importance of offensive security practices in safeguarding critical infrastructure.
Freshworks Rethinks NoSQL for Rapid Scaling & Cost-EfficiencyScyllaDB
Freshworks creates AI-boosted business software that helps employees work more efficiently and effectively. Managing data across multiple RDBMS and NoSQL databases was already a challenge at their current scale. To prepare for 10X growth, they knew it was time to rethink their database strategy. Learn how they architected a solution that would simplify scaling while keeping costs under control.
How information systems are built or acquired puts information, which is what they should be about, in a secondary place. Our language adapted accordingly, and we no longer talk about information systems but applications. Applications evolved in a way to break data into diverse fragments, tightly coupled with applications and expensive to integrate. The result is technical debt, which is re-paid by taking even bigger "loans", resulting in an ever-increasing technical debt. Software engineering and procurement practices work in sync with market forces to maintain this trend. This talk demonstrates how natural this situation is. The question is: can something be done to reverse the trend?
This talk will cover ScyllaDB Architecture from the cluster-level view and zoom in on data distribution and internal node architecture. In the process, we will learn the secret sauce used to get ScyllaDB's high availability and superior performance. We will also touch on the upcoming changes to ScyllaDB architecture, moving to strongly consistent metadata and tablets.
5th LF Energy Power Grid Model Meet-up SlidesDanBrown980551
5th Power Grid Model Meet-up
It is with great pleasure that we extend to you an invitation to the 5th Power Grid Model Meet-up, scheduled for 6th June 2024. This event will adopt a hybrid format, allowing participants to join us either through an online Mircosoft Teams session or in person at TU/e located at Den Dolech 2, Eindhoven, Netherlands. The meet-up will be hosted by Eindhoven University of Technology (TU/e), a research university specializing in engineering science & technology.
Power Grid Model
The global energy transition is placing new and unprecedented demands on Distribution System Operators (DSOs). Alongside upgrades to grid capacity, processes such as digitization, capacity optimization, and congestion management are becoming vital for delivering reliable services.
Power Grid Model is an open source project from Linux Foundation Energy and provides a calculation engine that is increasingly essential for DSOs. It offers a standards-based foundation enabling real-time power systems analysis, simulations of electrical power grids, and sophisticated what-if analysis. In addition, it enables in-depth studies and analysis of the electrical power grid’s behavior and performance. This comprehensive model incorporates essential factors such as power generation capacity, electrical losses, voltage levels, power flows, and system stability.
Power Grid Model is currently being applied in a wide variety of use cases, including grid planning, expansion, reliability, and congestion studies. It can also help in analyzing the impact of renewable energy integration, assessing the effects of disturbances or faults, and developing strategies for grid control and optimization.
What to expect
For the upcoming meetup we are organizing, we have an exciting lineup of activities planned:
-Insightful presentations covering two practical applications of the Power Grid Model.
-An update on the latest advancements in Power Grid -Model technology during the first and second quarters of 2024.
-An interactive brainstorming session to discuss and propose new feature requests.
-An opportunity to connect with fellow Power Grid Model enthusiasts and users.
What is an RPA CoE? Session 1 – CoE VisionDianaGray10
In the first session, we will review the organization's vision and how this has an impact on the COE Structure.
Topics covered:
• The role of a steering committee
• How do the organization’s priorities determine CoE Structure?
Speaker:
Chris Bolin, Senior Intelligent Automation Architect Anika Systems
2. Market Pool Indonesia
Total 120 banks by their types
• BUMN (Government owned banks) : 5
• Commercial Banks : 55
• BPD (Regional banks) : 26
• Joint venture Banks : 14
• Foreign Banks : 9
• Sharia Banks : 11
• Sharia Business Unit : 16
• BPR (Rural banks) : 1,683
3. Market Pool Indonesia
Book 4 (>USD3Bio)
1. BRI
2. Bank Mandiri
3. Bank Negara Indonesia
4. Bank Central Asia
Book 3 (USD0.5-3Bio)
1. Bank BTPN
2. Bank CIMB Niaga
3. Bank Tabungan Negara
4. Permata Bank
5. Bank OCBC NISP
Book 2 (USD100-500Mio)
1. Bank BPD Bali
2. Bank Jateng
3. Bank Mestika
4. Bank Syariah Mandiri
5. Bank Muamalat
Book 1 (<USD100Mio)
1. Bank Bengkulu
2. Bank Sulut
3. Bank Mega Syariah
4. Panin Bank Syariah
5. Bank Bumi Arta
Infobank Magazine, “Rating 120 bank di Indonesia 2013”
4. Indonesia Banking Survey 2013
Network expansion across the country
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
5. Indonesia Banking Survey 2013
Challenge for effective network expansion
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
6. Indonesia Banking Survey 2013
Priorities for channel initiatives
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
7. Common system structure
Core-
banking
Treasury system
Trade Finance
system
Risk Management
system
Account origination
system
Helpdesk system
Internet banking
ATM system
Mobile banking
Datawarehouse
system
11. Common software needs
• Booking/ticket system : treasury, trade finance, helpdesk, call
center
• Query/report system : regulatory (regional/local),
incentive/performance
• Channel delivery : mobile banking, internet banking
• Parsing (bridging between systems)
• Upgrades/complements (improvements over existing systems)
12. Current solutions
• Core-banking : Flexcube, Finnacle, AS/400
• Supporting systems : Banktrade, TI Plus, Object Trade Line
• Booking system : Kondor+, Reuters
• Channel delivery : BCA mBanking, Permatamobile, CIMB GO
MOBILE, BRI Mobile, BNI SMS Banking (Android/iOS/
Blackberry, mostly SMS jacket app)
• Datawarehouse : IBM Infosphere, Oracle Exadata, Teradata
• Internet Banking : Permatanet, KlikBCA, CommAccess (mostly
developed in-house)