10th Annual World Payments Report 2014 from Capgemini and The Royal Bank of S...Capgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provides insight into global and regional non-cash payment trends. This year it gives us a view on cross border payments and a spotlight on the U.S. market; the latest regulatory and industry initiatives including PSD2, immediate payments and intraday liquidity management; innovation within payment processing; and key changes over the last 10 years and what can we expect from the payments industry over the next 10 years.
2015 China Financial Industry Trends and OutlookKapronasia
Alibaba was one of the biggest IPOs in history and the company has been on an acquisition tear in the past couple of years. Will Alibaba's initiatives and acquisitions redefine the financial industry?
Bitcoin hit a wall in China in 2013, yet grew in 2014 as China's exchanges became the largest in the world. What will 2015 hold for the digital currency and its peers?
The Shanghai HK connect was one of the most talked about initiatives in 2014, yet was the launch a success and will it continue this year?
Online payments, e-commerce, private banks, hedge funds and digital currency are just a few of the key drivers that have reshaped the industry in 2014 and will continue to drive change and reform in 2015.
The World Payments Report 2012 shows a healthy 7.1% gain in non-cash payments volume globally. But volume is only part of the story for the payments market, which is growing and changing in new and exciting ways. Payments continue to grow amidst volatility and increasing regulation, however the payments instrument mix is evolving fast and will never be the same.
2016 China Financial Industry Trends and OutlookKapronasia
Digital payments, m-commerce, private banks, and industry reform will dominate the headlines in 2016. Which are the key trends that are critical for your business? To help clients and industry participants better understand what lies ahead for fintech in China, Kapronasia is proud to present our 6th annual top-10 financial technology trends webinar.
Deloitte 2016 - EKF - Digital Customer Journey - conference material - f...Maciej Malesa
1) The document analyzes digital banking channels in Poland, including a study of customer journeys, functionality, and user experience across 15 major banks.
2) It finds that while banks have digitized early stages of the customer journey like information gathering and account opening, they have not fully supported financial goals through the relationship. Transactional banking is more digitized than credit products.
3) Banks fall into four categories based on their digital strategies - Cheetahs, Antelopes, Bears, and Turtles. Cheetahs offer the most functionality consistent with best practices but neglect user experience, while the mobile channel now provides a better user experience than web.
The document summarizes key findings from the World Payments Report 2014 regarding global non-cash payment markets and trends. It finds that while global non-cash transaction growth rates slowed in 2012 compared to 2011, growth is expected to have accelerated in 2013. Growth continues to be driven by debit and credit cards, though at a slower pace. Developing markets are establishing initiatives to boost non-cash volumes and some countries may surpass North America and Europe in non-cash transactions over the next five years. Hidden payments are also growing as payments move away from regulated banking, though data on these markets remains limited.
The global volume of non-cash payments continued growing in 2010 and 2011, with developing markets seeing the fastest growth. Cards remain the largest payment method globally, and their use is increasing for smaller purchases. While developed markets still account for most payments volumes, developing economies like Brazil, China, and Russia are among the top ten markets and seeing volumes jump over 30% annually. Electronic and mobile payments are also growing rapidly and central banks need better data on these emerging channels.
Student International Business Council (SIBC) - Bain & Company - Fall 2016
Recommended Western Union enhance digitization and establish physical partnerships in the international remittance market.
10th Annual World Payments Report 2014 from Capgemini and The Royal Bank of S...Capgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provides insight into global and regional non-cash payment trends. This year it gives us a view on cross border payments and a spotlight on the U.S. market; the latest regulatory and industry initiatives including PSD2, immediate payments and intraday liquidity management; innovation within payment processing; and key changes over the last 10 years and what can we expect from the payments industry over the next 10 years.
2015 China Financial Industry Trends and OutlookKapronasia
Alibaba was one of the biggest IPOs in history and the company has been on an acquisition tear in the past couple of years. Will Alibaba's initiatives and acquisitions redefine the financial industry?
Bitcoin hit a wall in China in 2013, yet grew in 2014 as China's exchanges became the largest in the world. What will 2015 hold for the digital currency and its peers?
The Shanghai HK connect was one of the most talked about initiatives in 2014, yet was the launch a success and will it continue this year?
Online payments, e-commerce, private banks, hedge funds and digital currency are just a few of the key drivers that have reshaped the industry in 2014 and will continue to drive change and reform in 2015.
The World Payments Report 2012 shows a healthy 7.1% gain in non-cash payments volume globally. But volume is only part of the story for the payments market, which is growing and changing in new and exciting ways. Payments continue to grow amidst volatility and increasing regulation, however the payments instrument mix is evolving fast and will never be the same.
2016 China Financial Industry Trends and OutlookKapronasia
Digital payments, m-commerce, private banks, and industry reform will dominate the headlines in 2016. Which are the key trends that are critical for your business? To help clients and industry participants better understand what lies ahead for fintech in China, Kapronasia is proud to present our 6th annual top-10 financial technology trends webinar.
Deloitte 2016 - EKF - Digital Customer Journey - conference material - f...Maciej Malesa
1) The document analyzes digital banking channels in Poland, including a study of customer journeys, functionality, and user experience across 15 major banks.
2) It finds that while banks have digitized early stages of the customer journey like information gathering and account opening, they have not fully supported financial goals through the relationship. Transactional banking is more digitized than credit products.
3) Banks fall into four categories based on their digital strategies - Cheetahs, Antelopes, Bears, and Turtles. Cheetahs offer the most functionality consistent with best practices but neglect user experience, while the mobile channel now provides a better user experience than web.
The document summarizes key findings from the World Payments Report 2014 regarding global non-cash payment markets and trends. It finds that while global non-cash transaction growth rates slowed in 2012 compared to 2011, growth is expected to have accelerated in 2013. Growth continues to be driven by debit and credit cards, though at a slower pace. Developing markets are establishing initiatives to boost non-cash volumes and some countries may surpass North America and Europe in non-cash transactions over the next five years. Hidden payments are also growing as payments move away from regulated banking, though data on these markets remains limited.
The global volume of non-cash payments continued growing in 2010 and 2011, with developing markets seeing the fastest growth. Cards remain the largest payment method globally, and their use is increasing for smaller purchases. While developed markets still account for most payments volumes, developing economies like Brazil, China, and Russia are among the top ten markets and seeing volumes jump over 30% annually. Electronic and mobile payments are also growing rapidly and central banks need better data on these emerging channels.
Student International Business Council (SIBC) - Bain & Company - Fall 2016
Recommended Western Union enhance digitization and establish physical partnerships in the international remittance market.
This document discusses the shift from traditional branch banking to digital banking. It notes that 82% of consumers now prefer digital banking over branch banking. Digital banking provides customers with easier access to their finances anytime and anywhere through online and mobile banking. This improves the customer experience and allows banks to reduce costs. The document advocates for a centralized digital platform that can provide customers with a single interface to access financial services uniformly.
2016 Payment Predictions & Strategies to Jumpstart the New YearIngenico Group
In this recorded webinar, Ingenico Group’s Senior Vice President of Strategic Development, North America, Rod Hometh, and guest speaker, 451 Research Senior Analyst, Jordan McKee, discuss:
- Key highlights and takeaways from 2015
- Predictions for which new payment solutions will take off in 2016
- Forecasts into which technologies will move from concept to reality
- Actionable tips and recommendations on how to use these predictions to enhance your 2016 payment strategy
In a presentation he gave at the 2014 CAMfire Conference in Las Vegas, NV, Ben Truehart explores the past of how homeowners pay their dues, and makes a well-researched and data backed case for online payment processing for community associations.
With the unpredictable economic environment and the importance of cash and liquidity on the corporate agenda, finance executives are evaluating the effectiveness of current operations across payables and receivables. Many companies are turning to payment factories to deliver value across the entire organization.
Product Brochure: Adyen Company Profile 2015: Online Payment ServicesyStats.com
Product Brochure with summarized information of our publication "Adyen Company Profile 2015: Online Payment Services".
Find more here: https://www.ystats.com/product/adyen-company-profile-2015-online-payment-services/
2013 China Financial Industry Trends and OutlookKapronasia
After a dynamic 2012, China's financial industry faces new challenges and opportunities as we move into 2013 and the upcoming year of the Snake. In our annual look at the Top 10 China Financial Technology trends, we'll examine the key industry trends and how those will affect the technology spend of banks and financial institutions.
New for 2013: in addition to the Top-10 China Banking trends that Kapronasia has covered in the past, we have also identified the Top-10 Capital Markets trends for 2013 as we continue to expand our research and service offerings into 2013.
This document outlines the services provided by NomaSWO Consult, which include planning, designing, developing, and launching business solutions. The company offers a range of services such as software development, product supply, event organizing, IT and social media support, health and fitness solutions, and education management. Contact details are provided for NomaSWO Consult.
This document contains the professional summary and experience of Aravind Dhanireddy. He has over 10 years of experience in application development and maintenance using technologies like Java, Hadoop, Hive and Pig. Some of his key skills include building Hadoop solutions, processing large datasets, and working on the full software development life cycle. He has worked on projects for clients such as JP Morgan Chase, Morgan Stanley, and CITI involving technologies like Hadoop, Java, SQL and mainframe tools.
This document provides pricing information for various hair and beauty services such as rebonding, smoothing, haircuts, curling, manicures, pedicures, nail art, and wedding makeup. Rebonding costs Rp. 100,000, smoothing Rp. 150,000, haircuts Rp. 35,000, curling Rp. 40,000, manicures and pedicures together Rp. 50,000, nail art Rp. 30,000, and wedding makeup Rp. 500,000. It also includes contact information for a salon located on Jalan R.E Martadinata no 25 in Ciamis that can be reached at 0821187197
This document summarizes testing done by various teams on Innovation Cooling's IC Diamond 24K thermal compound. Team Frank n Stein in Dallas, Texas tested the compound on a PC and found temperatures 10-20C above ambient in the 78F office. Team NixFix in California benchmarked IC Diamond against other compounds and found IC Diamond had the lowest minimum and maximum CPU temperatures. Team B in an unnamed location replaced thermal paste on two graphics cards with IC Diamond and posted before and after temperature screenshots showing reductions. Team East Coast Mods disassembled a laptop to apply IC Diamond directly to the CPU die after removing the heat sink. The teams provided their analysis and conclusions on IC Diamond's performance.
This document describes the compensation plan and structure of PT. Circle Line Sejahtera, a multi-level marketing company. It outlines the various bonuses paid including sponsor bonuses, generation bonuses, and leadership bonuses ranging from 1-4% of international sales. It also describes the auto placement and auto circle features which automatically place new members under existing members to trigger bonuses and allow bonuses to be reused to purchase additional memberships.
In this presentation Jean-Marie Abi-Ghanem will demystify the Cloud and advise on how to take advantage of this great new technology with minimal risk. The presentation will cover:
• What the Cloud is and the different types of Cloud services on offer
• The major risks posed by the Cloud
• How to move information to the Cloud securely
This document discusses the descriptive essay and provides examples of descriptive writing. It explains that a descriptive essay uses vivid details and sensory language to allow the reader to visualize the person, place, or thing being described. It contrasts an objective description of grandmother's coffee with a subjective description that uses senses to convey the aromatic smells, rich tastes, and other sensations experienced when drinking the coffee. The document aims to illustrate how descriptive writing immerses the reader in the scene through detailed sensory description.
This document describes the design of an object-oriented programming language. It discusses:
1) The basic structure of programs as blocks of expressions that enrich the environment. Classes, objects, and procedures are all treated as values.
2) The abstract syntax for expressions including class and object creation, field and method declaration, inheritance, and cloning.
3) How values are represented, including objects, entries for fields/methods, and procedures. Inheritance is implemented by copying fields and methods.
4) Data structures like objects and entries that represent values. Inheritance works by finding fields/methods in superclasses and copying them.
This short document promotes creating presentations using Haiku Deck, a tool for making slideshows. It encourages the reader to get started making their own Haiku Deck presentation and sharing it on SlideShare. In just one sentence, it pitches the idea of using Haiku Deck to easily design slideshows.
The document outlines the responsibilities of a General Manager position at a medical practice, which include developing and implementing the medical delivery model, ensuring quality service to patients, and assuming non-provider leadership responsibilities. The General Manager will manage clinical staff through activities like recruitment, performance reviews, scheduling, and training. Administrative duties involve setting standards, approving policies, and providing clinical guidance to management. The position also focuses on performance improvement through patient satisfaction surveys and complaint reviews.
Global payments community consulting firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-for- profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results.
A New Strategy For the Loan Portfolio and Decision Making System for Raiffeis...Rufat Mustafaev
This document proposes a strategy to attract and retain promising borrowers to optimize a loan portfolio and increase profits. It involves segmenting customers into 4 groups based on financial acumen, digital acumen, spending habits, and other factors. Targeted marketing and customized credit card offerings will be used to attract each segment. Incentives like cashback and fee waivers will encourage customers to use Raiffeisen as their primary card for retention. A scoring model will be improved to more accurately identify promising borrowers. If successful, the strategy could triple the loan portfolio to $47.1 billion by 2021, increase credit card holders by 90%, and boost net income 12% per year. Risks around market share, attraction, retention,
This document outlines a proposal to introduce ecommerce to Malawi by addressing the challenges merchants face. It notes that while digital financial services have grown rapidly in Malawi, ecommerce has yet to take off. The proposal involves creating an online marketplace and payment service provider to simplify the process for merchants to create online stores and accept payments from various sources. Financial projections estimate the venture could generate over $2.5 million in annual revenue within 3 years by charging transaction fees on its platform. The proposal argues this solution can help Malawi participate in Africa's growing $75 billion ecommerce industry by resolving key issues around online payments and technical support for merchants.
The document provides an overview of Cielo, the largest merchant acquirer and payment processor in Brazil. It discusses Cielo's market leadership position, growth metrics like transaction volume and number of points of sale, strategic initiatives and partnerships, products and services, and key financial indicators. It also addresses Cielo's capital structure, board of directors, and American Depositary Receipt (ADR) listing.
This document discusses the shift from traditional branch banking to digital banking. It notes that 82% of consumers now prefer digital banking over branch banking. Digital banking provides customers with easier access to their finances anytime and anywhere through online and mobile banking. This improves the customer experience and allows banks to reduce costs. The document advocates for a centralized digital platform that can provide customers with a single interface to access financial services uniformly.
2016 Payment Predictions & Strategies to Jumpstart the New YearIngenico Group
In this recorded webinar, Ingenico Group’s Senior Vice President of Strategic Development, North America, Rod Hometh, and guest speaker, 451 Research Senior Analyst, Jordan McKee, discuss:
- Key highlights and takeaways from 2015
- Predictions for which new payment solutions will take off in 2016
- Forecasts into which technologies will move from concept to reality
- Actionable tips and recommendations on how to use these predictions to enhance your 2016 payment strategy
In a presentation he gave at the 2014 CAMfire Conference in Las Vegas, NV, Ben Truehart explores the past of how homeowners pay their dues, and makes a well-researched and data backed case for online payment processing for community associations.
With the unpredictable economic environment and the importance of cash and liquidity on the corporate agenda, finance executives are evaluating the effectiveness of current operations across payables and receivables. Many companies are turning to payment factories to deliver value across the entire organization.
Product Brochure: Adyen Company Profile 2015: Online Payment ServicesyStats.com
Product Brochure with summarized information of our publication "Adyen Company Profile 2015: Online Payment Services".
Find more here: https://www.ystats.com/product/adyen-company-profile-2015-online-payment-services/
2013 China Financial Industry Trends and OutlookKapronasia
After a dynamic 2012, China's financial industry faces new challenges and opportunities as we move into 2013 and the upcoming year of the Snake. In our annual look at the Top 10 China Financial Technology trends, we'll examine the key industry trends and how those will affect the technology spend of banks and financial institutions.
New for 2013: in addition to the Top-10 China Banking trends that Kapronasia has covered in the past, we have also identified the Top-10 Capital Markets trends for 2013 as we continue to expand our research and service offerings into 2013.
This document outlines the services provided by NomaSWO Consult, which include planning, designing, developing, and launching business solutions. The company offers a range of services such as software development, product supply, event organizing, IT and social media support, health and fitness solutions, and education management. Contact details are provided for NomaSWO Consult.
This document contains the professional summary and experience of Aravind Dhanireddy. He has over 10 years of experience in application development and maintenance using technologies like Java, Hadoop, Hive and Pig. Some of his key skills include building Hadoop solutions, processing large datasets, and working on the full software development life cycle. He has worked on projects for clients such as JP Morgan Chase, Morgan Stanley, and CITI involving technologies like Hadoop, Java, SQL and mainframe tools.
This document provides pricing information for various hair and beauty services such as rebonding, smoothing, haircuts, curling, manicures, pedicures, nail art, and wedding makeup. Rebonding costs Rp. 100,000, smoothing Rp. 150,000, haircuts Rp. 35,000, curling Rp. 40,000, manicures and pedicures together Rp. 50,000, nail art Rp. 30,000, and wedding makeup Rp. 500,000. It also includes contact information for a salon located on Jalan R.E Martadinata no 25 in Ciamis that can be reached at 0821187197
This document summarizes testing done by various teams on Innovation Cooling's IC Diamond 24K thermal compound. Team Frank n Stein in Dallas, Texas tested the compound on a PC and found temperatures 10-20C above ambient in the 78F office. Team NixFix in California benchmarked IC Diamond against other compounds and found IC Diamond had the lowest minimum and maximum CPU temperatures. Team B in an unnamed location replaced thermal paste on two graphics cards with IC Diamond and posted before and after temperature screenshots showing reductions. Team East Coast Mods disassembled a laptop to apply IC Diamond directly to the CPU die after removing the heat sink. The teams provided their analysis and conclusions on IC Diamond's performance.
This document describes the compensation plan and structure of PT. Circle Line Sejahtera, a multi-level marketing company. It outlines the various bonuses paid including sponsor bonuses, generation bonuses, and leadership bonuses ranging from 1-4% of international sales. It also describes the auto placement and auto circle features which automatically place new members under existing members to trigger bonuses and allow bonuses to be reused to purchase additional memberships.
In this presentation Jean-Marie Abi-Ghanem will demystify the Cloud and advise on how to take advantage of this great new technology with minimal risk. The presentation will cover:
• What the Cloud is and the different types of Cloud services on offer
• The major risks posed by the Cloud
• How to move information to the Cloud securely
This document discusses the descriptive essay and provides examples of descriptive writing. It explains that a descriptive essay uses vivid details and sensory language to allow the reader to visualize the person, place, or thing being described. It contrasts an objective description of grandmother's coffee with a subjective description that uses senses to convey the aromatic smells, rich tastes, and other sensations experienced when drinking the coffee. The document aims to illustrate how descriptive writing immerses the reader in the scene through detailed sensory description.
This document describes the design of an object-oriented programming language. It discusses:
1) The basic structure of programs as blocks of expressions that enrich the environment. Classes, objects, and procedures are all treated as values.
2) The abstract syntax for expressions including class and object creation, field and method declaration, inheritance, and cloning.
3) How values are represented, including objects, entries for fields/methods, and procedures. Inheritance is implemented by copying fields and methods.
4) Data structures like objects and entries that represent values. Inheritance works by finding fields/methods in superclasses and copying them.
This short document promotes creating presentations using Haiku Deck, a tool for making slideshows. It encourages the reader to get started making their own Haiku Deck presentation and sharing it on SlideShare. In just one sentence, it pitches the idea of using Haiku Deck to easily design slideshows.
The document outlines the responsibilities of a General Manager position at a medical practice, which include developing and implementing the medical delivery model, ensuring quality service to patients, and assuming non-provider leadership responsibilities. The General Manager will manage clinical staff through activities like recruitment, performance reviews, scheduling, and training. Administrative duties involve setting standards, approving policies, and providing clinical guidance to management. The position also focuses on performance improvement through patient satisfaction surveys and complaint reviews.
Global payments community consulting firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-for- profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results.
A New Strategy For the Loan Portfolio and Decision Making System for Raiffeis...Rufat Mustafaev
This document proposes a strategy to attract and retain promising borrowers to optimize a loan portfolio and increase profits. It involves segmenting customers into 4 groups based on financial acumen, digital acumen, spending habits, and other factors. Targeted marketing and customized credit card offerings will be used to attract each segment. Incentives like cashback and fee waivers will encourage customers to use Raiffeisen as their primary card for retention. A scoring model will be improved to more accurately identify promising borrowers. If successful, the strategy could triple the loan portfolio to $47.1 billion by 2021, increase credit card holders by 90%, and boost net income 12% per year. Risks around market share, attraction, retention,
This document outlines a proposal to introduce ecommerce to Malawi by addressing the challenges merchants face. It notes that while digital financial services have grown rapidly in Malawi, ecommerce has yet to take off. The proposal involves creating an online marketplace and payment service provider to simplify the process for merchants to create online stores and accept payments from various sources. Financial projections estimate the venture could generate over $2.5 million in annual revenue within 3 years by charging transaction fees on its platform. The proposal argues this solution can help Malawi participate in Africa's growing $75 billion ecommerce industry by resolving key issues around online payments and technical support for merchants.
The document provides an overview of Cielo, the largest merchant acquirer and payment processor in Brazil. It discusses Cielo's market leadership position, growth metrics like transaction volume and number of points of sale, strategic initiatives and partnerships, products and services, and key financial indicators. It also addresses Cielo's capital structure, board of directors, and American Depositary Receipt (ADR) listing.
- The document discusses recommendations for digitizing banking services based on a comparative study of digital and branch banking.
- A survey found customers prefer digital banking over branches due to convenience and time savings. Key implementation factors are infrastructure, data management, analytics, and user interfaces.
- The recommendations include creating an integrated customer database, origination systems, independent processing support, and data repository to power customized digital products and services.
The document discusses the need for a bank to implement online banking capabilities. It notes several challenges faced by both banks and customers without online banking, such as declining revenue, lengthy loan approval processes, and the need for customers to physically visit branches. Implementing online banking would help overcome these issues and provide benefits like increased convenience and cost savings. The document outlines an action plan for banks to transition to online services that includes digitalization techniques, workforce training, and budget allocation for implementation costs.
Banking professionals can now take advantage of our well-structured and subject-oriented Online Banking PowerPoint Presentation Slides. This electronic banking PPT theme helps you to showcase the obstacles faced by the banking sector that still operates offline. Further, present the problem statement through financial impact, projected revenue, and competition benchmark using our E-banking PowerPoint template. Get access to key stats on online banking, and customer channel preference to present a convincing web banking PPT presentation. Elucidate retail, corporate, or any other online banking type through this easy-to-understand internet banking PowerPoint theme. The digital banking PPT template deck helps you illustrate the leading players in the industry along with the services they offer. This E-banking PowerPoint presentation helps you convey the federal rules and regulations concerning online banking to your audience. Web banking PPT deck helps you in highlighting the implementation process. You can easily explain E-banking software providers, workforce training, costing, and integration with E-commerce platforms. https://bit.ly/30uZUqH
Mobile banking will revolutionize financial services in emerging countries where many people lack access to traditional banking. In Bangladesh specifically, mobile banking is poised for tremendous growth. It will benefit consumers, enterprises, the government, merchants, and agents. Mobile banking allows payments anywhere, anytime through any channel in a more efficient and transparent way. It creates new revenue streams for banks while reducing costs and increasing financial inclusion.
Suresh - Mobile Banking (Corporate Banking Stream) Knowledge Group
The document discusses trends in corporate mobile banking adoption globally. It notes that the number of smart connected devices will reach over 2 billion by the end of 2015. Many large global banks have implemented mobile apps for corporate and SME clients to enable payments, cash management, and financial reporting on tablets and smartphones. Surveys find that over 65% of corporate treasurers are interested in mobile banking services.
Global Payments Inc. is a provider of electronic payment processing services. Analysts recommend buying the stock with a target price of $67, an upside of 8.7%. Key risks include currency fluctuations, regulations, and slowing consumer spending. The company is growing through acquisitions and has a good market share in its main regions. Future acquisitions and increased consumer spending could boost revenues and stock price. However, a valuation analysis found the stock to be overvalued based on multiples.
The New Payments Platform: Fast-Forward to the FutureCognizant
Today's bank customers demand digital payment instruments that support real-time payments and settlements. While banks worldwide have adopted this concept, Australia's New Payments Platform (NPP), when contrasted with global models, takes this concept a step further with benefits that include all of the features today's bank customers want, such as 24x7x365 availability; real-time settlement, posting in seconds, premier messaging standards and alternate identifiers. It is thus imperative to build a carefully planned, all-inclusive NPP solution that will remain viable, profitable, efficient and serviceable from internal, regulatory, payments and customer perspectives alike.
Digital Cash Transfers and Financial Inclusion in IndiaCGAP
Digital Cash Transfers and Financial Inclusion in India outlines key elements for implementing digital cash transfers in India to achieve greater financial inclusion. It recommends establishing a one stop shop model where individuals can access government payments, financial services, and other functions in one location through digital infrastructure and interoperable backend systems. This would provide efficiencies for the government and more convenient access to services for users. The document also stresses the importance of coordination, developing sustainable business models for agents, and addressing issues like connectivity in rural areas.
The document discusses the opportunities for digital banking in Pakistan. It notes that Pakistan has a growing population of smartphone and internet users, presenting opportunities for digital financial services. However, digital banking penetration remains relatively low in Pakistan compared to other Asian countries. The document outlines key trends like growing cellular networks and e-commerce that can enable digital banking. It also analyzes customer demographics and banking statistics to identify priority segments for digital onboarding and cross-selling of products. Finally, it discusses challenges for banks in developing digital strategies and identifies focus areas like regulations, infrastructure, data analytics and customer experience.
Global Search Hub for All Banks and Financial institutions. Introduces consumer friendly, easy to navigate hubs for banking. Integrates updates with ATMs and software that helps banks to build trust and to create more investments to financial empowerment.
Global payments 2014_next_level_value_sep_2014_tcm80-171913(1)Rudi Chatab
The payments industry is poised for continued strong growth through 2023. Payments revenues are estimated to reach $2.1 trillion globally, up from $1 trillion in 2013. Retail payments will dominate led by account revenues and credit cards. Wholesale transaction banking revenues will also increase substantially. Digital technologies will disrupt the industry as payments become integrated into broader platforms. Financial institutions must develop long-term growth strategies and pursue multiple innovation initiatives to capture the significant revenue opportunities while fending off new competitors.
This document proposes a solution to two problems: the expensive costs of money transfers to Africa, and beneficiaries often misallocating funds. The proposed solution is an online platform called Mergims that allows African migrants to prepay for services and products from merchants in Africa for their relatives to benefit from. Migrants would log onto the platform, select items, pay via PayPal, and merchants would instantly deliver to beneficiaries via various distribution channels. The business model involves earning commissions from merchants and service fees from migrants. Projections show rapid growth over 5 years in transactions, users, markets, and revenues as the platform expands its services and distribution channels.
Pay stream and basware einvoicing trends and truths 12.11.14 finalJustin Combs
PayStream Advisors and Basware teamed up for a live webcast featuring eInvoicing Trends & Truth for 2014.
Through our research PayStream Advisors has seen tremendous developments in Global eInvoicing. This webcast educated AP, Purchasing and IT professionals with the information they need in order to make the right eInvoicing decisions for their company.
Describes in detail the market potential of Rural Agri-Laborers, with an analysis of the segment profile, noting global trends. Also, the addressable needs of the Future Silver Economy, such as financing, insurance and payments are detailed as well, with each need paired with how Financial Instiutions can step in to address the needs such as a solution that allows for instant fund withdrawal, insure the most valuable portions of their crops and a mobile solution that records terms of contract and automates payments. To top things off, a case study is provided to elucidate how EY has helped our client to better target the Rural Agri-Laborers.
Visa is recommended as a buy, with approximately 29% upside potential. Visa is well-positioned to benefit from the shift to cashless payments through technological advancements and its acquisition of Visa Europe. Visa's strong brand, scalable network, and economic moats will help sustain its competitive advantage and high profit margins. The analyst expects Visa to increase its market share of non-cash transactions from 58% to 64% by capturing growth in non-cash transactions, processing more transactions through partnerships and innovation, and expanding its international presence through the Visa Europe acquisition.
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.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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2. • We are to describe, which way we have chosen to address all issues and to be done all tasks correctly.
We are to provide clear vision of workings
Executive summary
• We are to set a strategy of making changes, managing changes, going through building relationships
with clients of affluent segment based on positive win-win user experience.
Executive summary
support
• We are to set a strategy of making changes, managing changes, going through building relationships
with clients of mass affluent segment based on positive win-win user experience.
Segment strategy
points
• Calculations of bank profitBank profit
estimations
• We are to set timeline of establishing and developing and launching our new productsTimelines
• We represent our project teamTeam representing
3. Bank profit
estimations
We set our approach on growth of non-banking services, such as P2P
transactions, payments money transfers from 25-36% annually.
Another opportunity we see in internet aquiring, estimated annual
growth 28%. Finally we are to focus on improving level of personal
approach and cross-sales of traditional and non-traditional services
Sources EY Globalconsumerbanking survey 2014, data provided by Alfa-bank
Expected inflation
rate for Russian Rouble
People are 18-34 y.o –
heavy users of technology
Benefits presenting greatest engagements opportunities that customers would be willing to add accounts and
services, increase balances or pay a little more
People are 50+ y.o – good at
technology using but classical values
still matters
People are 53+ y.o – Prefer
classics ways of
communication and services
Average income
Affluent segment
Mass affluent
segment
*Moscow, Saint-Petersburg, Tyumen, Khnanty-Mansiysk
** Other cities
Segment characteristics
Heavy users of
technology
Good at technology,
need classics
Prefer classics ways
of communication and
services
% of population 12% 10% 15%
Male 53% 53% 48%
Female 47% 47% 52%
18-34 44% 27% 39%
35-49 29% 35% 35%
>50 27% 38% 36%
% Assets under management 18% 7% 7%
Expected GDP growth annually
Expected growth of bank profit per Affluent and
Mass-affluent segments annually
To develop a segmented strategy for affluent and mass affluent
retail customers attraction and retention, and to provide for the increase
of bank profit share in this segment from 40% to 55% by the end of 2017
Our preposition contains communication strategy with Affluent and Mass
Affluent segments., new products to establish new markets: mobile e-
wallet supports NFC, based on API 2gis and web portal Gosuslugi, internet-
aquiring service timelines of Affluent and Mass Affluent communication
strategy.
Heavy users of
technology
Good at technology, need
classics
Prefer classics ways of
communication and services
Invests in your financial good being 85% 61% 74%
Provides a plan to help you reach
financial goals
84% 62% 73%
Always seek for smth new 83% 60% 78%
Rewards needed 77% 59% 74%
Provides high average volume of deals 81% 53% 62%
Average sharein income 74% 47% 59%
Percentagereflects thosecustomers, who would be willing to increase engagement iftheir
provider of services
Percentagereflects share of those customers, who would be definedas Affluent andMass Afflunt clients
4. Inner drivers External drivers
Banking business drivers for future
Conclusion
The mobile and online payments, bln of USD
“Peer to peer” payments, and exchange transactions with no
bank account
Sources
EY Global consumer
banking survey 2014,
data provided by Alfa-
bank, The “THE FUTURE
OF PAYMENTS: 2014
report” by Business
Insider
351
432
587
624
744
342
383
460
500
555
263 287 294 325 333
0
100
200
300
400
500
600
700
800
2014E 2015E 2016E 2017E 2018E
Mobile in-store payments M-commerce Desktop
8
13
22
38
68
0
10
20
30
40
50
60
70
80
2014E 2015E 2016E 2017E 2018E
P2P payments, and exchange transactions
2017 Estimated profit in share of 55% of full population We have to main trends in money transactions: decreasing in
share of cash payments. Average, we see that main point of
payments are food and Personal care 28.2 %, 7.2% as for Auto
and vechicals, 7,6% general merchandise. So, we need a tool to
do all payments safe, fast and simple, we apply to developing e-
wallet based on NFC-technology and internet-acquiring tools to
make restauranttransactions.
Line of business
Average monthly operational income, mln. RUR
Affluent Mass Affluent Mass Grand Total
Commission income
Passives
Loans (interest
Total
We see, that we are having instantly growing
segment in money service – payments It
raises about 30% annually globally up to 744
bls of USD in the end of 2017. So, it is a clear
to believe, that national markets do follow
this trend, so we expected 20-30% growth
in mobile and online payments in Russian
Federation. In despite of regulations in non-
cash transactions, we suppose that average
sum of stand alone transaction iis about
from 80-150%. It is under mpst of the limits
provided by regulators.
Another major point is booming growth in
“peer-to-peer” transactions. It gives a raise
from 40% to 50% annually. That is huge
market, so we need to accept this challenge
creating product with such functions. It is
based on Alfa-bank cards and cards of other
banks. It makes an additional value to see
not only our current customer’s
transactions, but clients of the other banks,
to see its concern
• Customer’s time
saving;
• Easy&safe&transpa
rent pricing and
banking;
• Individual approach
• Bank – everyday
assistant;
• Simple&clear bank
operations;
• Mobile features
5. Time saving
Easy, safe and
transparent transfer of
capital
Individual
approach
Bank as an every-day
assistant
Simple&clear banking
Mobile features
What our client needs
Whatsegment-drivenopportunities
thebankhas
2
3
1
2 3
Discounting Deposits Credit
1
Multi-card
• All your cards inside the one
• You can choose which one you use
• You got a mobile app, where you can add card or see
your statistics
AlfaWallet – safe and simple payment
Alfa Bank
Internet acquiring
6. What are our benefits
Provide a restaurant with a system of
online order and payment for the
meals.
Provide a restaurant with an analytics about
its clients (gender, age, orders statistics)
Profit from the
commission from the
restaurant.
New clients will have an account
in Alfa-Bank because it is
profitably and comfortable
What do we offer for restaurants
Cashback (about 10%) from each
ride
What do we offer for taxi companies (only for clients)
Free ride to the bank
Internet acquiring
• Growth of profit because of extra-clients
• Declining of financial risks because of secure mobile
technologies
• Modern payment channel
• More loyal clients
• Payments with Visa and MasterCard
• Participation in discount programs
• Safety according to the International standards
• More purchases through the Internet
7. Line of business
Average monthly operational income, mln. RUR
Affluent Mass Affluent Mass Grand Total
Commission income 358,57 0,16 648,61 0,29 1 363,44 0,60 2 266,49
Passives 889,24 0,45 666,14 0,34 701,20 0,35 1 983,18
Loans (interest 186,45 0,07 438,25 0,15 1 830,90 0,65 2 833,11
Total 1 434,26 0,20 1 752,99 0,25 3 895,53 0,55 7 082,78
Line of business
Average monthly operational income, mln. RUR
Affluent Mass Affluent Mass Grand Total
Commission income 365,38 0,18 660,94 0,32 1 136,75 0,55 2 078,62
Passives 906,15 0,50 678,80 0,37 584,61 0,32 1 818,79
Loans (interest 190,00 0,07 446,58 0,17 1 526,49 0,59 2 598,28
Total 1 461,53 0,23 1 786,32 0,28 3 247,85 0,50 6 495,69
Line of business
Average monthly operational income, mln. RUR
Affluent Mass Affluent Mass Grand Total
Commission income 351,05 0,19 635,02 0,35 893,59 0,49 1 815,55
Passives 870,61 0,55 652,18 0,41 459,56 0,29 1 588,61
Loans (interest 182,55 0,08 429,07 0,19 1 199,96 0,53 2 269,44
Total 1 404,21 0,25 1 716,26 0,30 2 553,12 0,45 5 673,59
2017
2016
2015
8. Developing a prototype
of Alfawallet
Testing of
prototype of
Alfawallet
Launch and
publication on
Google Play,
Marketplace,
Itunes Store
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Developing a prototype
of app for multicard
Testing of
prototype of
Alfawallet
Negotiations with
mPOS vendors
Supplying of
mPOS
equipment
Launch and
publication on
Google Play,
Marketplace,
Itunes Store
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Developing a prototype
of client-app and
customer app for
internet aquiring
Testing of
prototype of
client-app and
customer app
for internet
aquiring
Launch and
publication on
Google Play,
Marketplace,
Itunes Store
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Negotiations with
Wheely
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Negotiations with
restaurants (Alfa-bank
clients)
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Negotiations with
restaurants (not)
Alfa-bank clients)
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking
Feedback and
issues cheking.
Target results
cheking
1Q 2015 2Q2015 3Q 2015 4Q 2015 1Q 2016 2Q2016 3Q 2016 1Q 2017 2Q2017 3Q 2017 4Q 20174Q 2016
9.
10.
11. 0
200
400
600
800
1970 1980 1990 2000 2010 2014
Restaurant industry Sales (in billions of
current dollars)*
All adults,%
Look up locations or directions 67
Order takeout or delivery 52
Use rewards or special deals 50
Make a reservation 46
Look up nutrition information 42
Pay for your meal 24
Consumers who say they would be likely to use a smartphone
for restaurant-related activities*
Provide a restaurant with a system of online order
and payment for the meals.
Provide a restaurant with an analyticsabout its clients
(gender,age, orders statistics)
* National restaurant association: “2014 Industry Forecast”
Profit from the commission from the
restaurant.
New clients will be attracted to the bank
because they will feel support of Alfa-Bank
12. Taksik Gettaxi Uber Wheely
Safety
Ordering
Price (the more “white” – the
lower is the price)
Comfort
Number of cities supported
The factor is great developed
The factor is bad developed
So we can see, that taxi “Wheely” is the best company for collaboration with Alfa-
Bank
Conclusion
13. Webmoney Paypal Yandex-money QiWI Alfa-wallet
Reliability
Simplicity
Currency
Possibility for credit
The factor is great developed The factor is bad developed
According to the needs of our clients, we should make an emphasis on the:
1) Reliability – safety of transactions
2) Simple , clear, transparent transfer of capital
3) Make an opportunity of payments in different currencies, because our clients can have a business abroad or they can make purchases abroad
4) Credit can be secondary developed, because our clients require less credit and this option cad be added further
Conclusion