'Future Proofed' Organisations Work on 3 Horizons in Parallel
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Lexinet - Airbus Reference Language Abbreviations (Approved and for Information)
Lexinet - Airbus Reference Language Abbreviations (Approved and For Information) Abbreviation Domain Term Remarks 3D General Three Dimensional (Lat, Long, Alt) 4D General Four Dimensional (Lat, Long, Alt, Time) A None Ampere A None Alternate A General Amber A None Area A None Air A.ICE General Anti-ice, Anti-icing A.T.I.S None Airbus Technical Information System A/BRK General Autobrake A/C General Aircraft A/COLL General Anti-Collision A/D General Analog/Digital A/D None Analog to Digital Converter (conversion) A/DC General Analog-to-Digital Converter A/F None Auto Flight A/G General Air to Ground A/L General Airline A/N General Alphanumeric A/N SIZE None Alpha Numeric Size A/R None Audio Reproducer A/S None Auto Stabilization A/S General Airspeed A/SKID General Anti-Skid A/STAB General Auto Stabilizer A/T None Adjustment/Test A/THR General Autothrust A/XFMR General Autotransformer AA None Arithmetical Average AA None Airworthiness Authorities AAA None Airworthiness Approval Attestation AAAH None Airbus Approved Abbreviations Handbook AAC General Airline Administrative Communications AADC None Analog Air Data Computer AAL None Above Aerodrome Level AAMG None Airbus Application Management Group AAP Panels/Display Units Additional Attendant Panel Display units AAR General Air-to-Air Refueling For MRTT and A400M ABBR None Abbreviation ABCD None Airbus Collective Data Dictionary ABCM None Alternate Brake Control Manifold ABCU General Alternate Braking Control Unit ABD General Airbus Directive and Procedure ABDC General Avionics Broadcast Data Collector Approved ABBR in bold 1/114 ABBR for information in italics © Airbus SAS 2007. -
PV Financing Guidelines
PV Financing Guidelines PV Financing Project Deliverable 3.5 United Kingdom Written by the Solar Trade Association (STA) as part of the PV Financing project in April 2016. This project has received funding from the European Union’s Horizon 2020 research and innovation programme under grant agreement No 646554 1 Country PV Environment The current PV environment in the UK is a challenging one. For domestic and commercial deployment, installations have slowed down significantly as subsidies were cut by around 60% in January 20161. Installations in February 2016 were around 80% down compared to February 20152. It is unclear how the industry will respond, and what innovative financial solutions will be developed over the coming year in this lower-subsidy environment. At the larger scale, subsidies have also been cut and although there is some discussion of “subsidy-free” solar connecting directly to high electricity demand behind the meter [1] – a purely self-consumption model with no financial subsidy – it is unclear whether this will be able to be replicated at scale. Ketton Cement works, one of the best practice case studies [2], was an example of this technical setup, but the economic case was made through the addition of subsidies rather than purely on the import price offset. More broadly, the UK government’s strategic view of solar is unclear. The government has promoted a “Smart Energy” vision with reports by the Department of Energy and Climate Change [3], the regulator Ofgem [4] as well as government advisors the National Infrastructure Commission [5]. All these reports agree that a smart and flexible energy system will be better in many ways. -
Notice of Meeting 2014
Notice of Meeting 2014 This document is important and requires your immediate attention. If you are in any doubt about the action you should take, you should consult your independent financial adviser. If you have recently sold or transferred your shares in Severn Trent Plc please forward this document to your bank, stockbroker or other agent through or to whom the sale or transfer was effected for delivery to the purchaser or transferee. Dear Shareholder This year’s Annual General Meeting (the ‘Meeting’) will be held at the International Convention Centre in Birmingham on Wednesday 16 July 2014 at 11am and the formal notice of the Meeting is set out overleaf (the ‘Notice’). If you would like to vote on the Resolutions in the Notice but cannot come to the Meeting, please fill in the Form of Proxy sent to you with the Notice and return it to Equiniti (our registrar) as soon as possible. Equiniti must receive the Form of Proxy by 11am on Monday 14 July 2014. Alternatively, you can vote online at www.sharevote.co.uk If you are a registered shareholder holding shares in your own name and have not elected to receive communications in paper form by post or if you have elected to receive paper notification that shareholder communications are available to view online, I can advise you that the Annual Report and Accounts for the year ended 31 March 2014 is now available online at www.severntrent.com Please note that the company operates a Dividend Reinvestment Plan, which gives shareholders the option of using their dividend payments to buy more shares in Severn Trent Plc (the ‘Company’) at favourable commission rates. -
Amdocs 2017 Annual Report
annual report 2017 fiscal 2017 a good year for Amdocs Board approved dividend increase for fifth consecutive year Amdocs is well positioned to enable our industry’s transition 2 2017 Annual Report 2017 Annual Report 3 letter to shareholders Dear Fellow Shareholders, Communications and media service providers are entering the first stage of a multi-year transition as they transform digitally to improve the customer experience. They are also moving to a virtualized, service- driven network environment in order to accelerate service agility and, in the case of many market leaders, continuing their journey to become “full-service” providers. Such full-service providers seek to furnish their customers with a rich portfolio of offerings including core communications; media, advertising and entertainment; enterprise enablement; internet of things (IoT) and digital lifestyle services. We believe that Amdocs is well positioned in all these spheres to enable this industry transition. Our unique and global perspective, gained through working with the world’s leading operators, enables us to help our customers seize the opportunities of this ever-changing landscape. Fiscal 2017 was a successful year for Amdocs in which we maintained our high win rate, having invested in what we believe are the right strategic engines to support the needs of the world’s largest global carriers as well as innovative operators in smaller markets. Furthermore, we delivered on our long-held reputation for execution, progressing a record number of significant transformation projects toward production. With an eye to the future, we continued to invest in innovation, partnered with cutting-edge companies and became early adopters of new tools and technologies such as DevOps and microservices (decomposing an application into different smaller services to make it easier to develop and test) to maintain our strong market position and extend our product leadership. -
How Financial Technologies Are Revolutionizing the Financial Industry
HOW FINANCIAL TECHNOLOGIES ARE REVOLUTIONIZING THE FINANCIAL INDUSTRY Lucie Duval Dissertation submitted as partial requirement for the conferral of Master in Finance Supervisor: António Freitas Miguel, Assistant Professor of Finance, Department of Finance, ISCTE Business School September 2016 NIZING THE THE FINANCIAL NIZING INDUSTRY Lucie Duval LOGIES ARE LOGIESREVOLUTIO ARE HOW FINANCIALTECHNO Abstract Financial technologies (fintech) have known an incredible exposure over the last years, attracting investments of large billions of dollars. Fintech can be seen as the match between finance and technology and they are imposing a way of thinking in all the branches of the financial industry. The main aim of this dissertation is to study how the financial technologies are revolutionizing the financial industry. After the financial crisis of 2008, customers have changed their ways of seeing “Finance” and, more particularly, “Banks”, looking for products and services responding to their needs. Moreover, the financial crisis has highlighted a relevant number of dysfunctions of the banking sector and on the financial regulation. Regulators have strengthened their requirements for banks, particularly in their relations with clients. These have opened a breach for Fintech companies and they are using it. Fintech companies rely on a different value proposition to clients that is based on a timesaving, fast and clear experience. Indeed they are proposing majors innovation in products and also in the processes. Fintech companies have put the customer back at the center of all their attention; customer becomes again the top priority. Financial technologies have already revolutionized the finance industry even if their impact on the market, for the moment may still be seen as trivial. -
Pushing Boundaries: the 2015 UK Alternative Finance Industry Report
PUSHING BOUNDARIES THE 2015 UK ALTERNATIVE FINANCE INDUSTRY REPORT February 2016 Bryan Zhang, Peter Baeck, Tania Ziegler, Jonathan Bone and Kieran Garvey In partnership with with the support of CONTENTS Forewords 04 Introduction 10 About this study 12 The Size and Growth of the UK Online Alternative 13 Finance Market Market Size and Growth by Alternative Financing 14 Models Increasing Share of the Market for Business Funding 19 Market Trends in Alternative Finance 22 Expanding Base of Funders and Fundraisers 23 Market Entrants and Partnership strategies 25 Seeking Growth Through Awareness, Increased 26 Marketing and Forging Partnerships 27 Institutionalisation of the Market Cross-Border Transactions and Internationalisation 30 The Geography and Industries & Sectors of 31 Alternative Finance Industry Perspectives on Regulation, Tax Incentives 33 and Risks Size and Growth of the Different Online 38 Alternative Finance Models Peer-to-Peer Business Lending 39 Peer-to-Peer Business Lending (Real Estate) 40 Peer-to-Peer Consumer Lending 41 Invoice Trading 42 Equity-based Crowdfunding 43 Equity-based Crowdfunding (Real Estate) 44 Reward-based Crowdfunding 45 Community Shares 46 Donation-based Crowdfunding 46 Pension-led Funding 47 Debt-based Securities 47 Conclusion 48 Acknowledgements 50 Endnotes 51 3 ABOUT THE AUTHORS BRYAN ZHANG Bryan Zhang is a Director of the Cambridge Centre for Alternative Finance and a Research Fellow at the Cambridge Judge Business School. He has co-authored !ve industry reports on alternative !nance. PETER BAECK Peter Baeck is a researcher at Nesta, where he focuses on crowdfunding, peer-to-peer lending and the role of digital technologies in public and social innovation. -
Raising Finance for Europe's Small & Medium-Sized Businesses
Raising finance for Europe’s small & medium-sized businesses A practical guide to obtaining loan, bond and equity funding Association for Financial Markets in Europe www.afme.eu Disclaimer This guide should not be relied upon as legal, financial, regulatory or other professional advice. Users of the guide are encouraged to seek appropriate independent advice before entering into any kind of financing transaction. While the information contained in this is taken from sources believed to be reliable, AFME does not represent or warrant that it is accurate or complete and AFME and its employees and consultants shall not have any liability arising from, or relating to, Septemberthe use of this guide 2015 or its contents. Raising finance for Europe’s small & medium-sized businesses Page ii Contents Foreword 2 1. Introduction 4 2. What type of finance? 6 3. Choices for loan finance 7 3.1 Bank and non-bank loans 7 3.2 Leasing / equipment finance 12 3.3 Invoice financing 12 3.4 Trade finance 13 3.5 Peer-to-peer lending and crowdfunding 15 4. Bond issues for larger SMEs 17 5. Raising equity 20 5.1 Family and friends 20 5.2 Equity crowdfunding 20 5.3 Business angels 21 5.4 Venture capital and private equity 22 5.5 Going public: equity listing requirements, process and timeline 24 6. Pan-European and government SME support schemes 28 6.1 Pan-European programmes 28 6.2 Information on national development banks 30 Appendix 1: Useful links for SMEs 34 Appendix 2: Overview of pan-European and national SME assistance programmes 38 Appendix 3: Stock exchange requirements for equities and bonds 42 Appendix 4: Database: Sizing of SME loan and equity markets 44 Contacts 48 Raising finance for Europe’s small & medium-sized businesses Page 1 Foreword Foreword On behalf of AFME, I am delighted to introduce this guide, which provides practical information to SMEs across Europe on how to raise finance from a variety of sources. -
Admission Document Prepared in Accordance with the AIM Rules
233582 Gold Cover Spread 8mm Spine 07/10/2014 14:06 Page 1 Placing and Admission to AIM Gamma Communications plc Nominated AdviserAdviser,, Broker & Sole Bookrunner Perivan Financial Print 233582 233582 Gold pp001-pp004 07/10/2014 14:06 Page 1 THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION If you are in any doubt as to the contents of this document or as to what action you should take you should consult your stockbroker, bank manager, solicitor, accountant or other independent financial adviser authorised under the Financial Services and Markets Act 2000 (“FSMA”) who specialises in advising on the acquisition of shares and other securities. This document comprises an admission document prepared in accordance with the AIM Rules. Application will be made for the Ordinary Shares to be admitted to trading on AIM. It is expected that Admission will become effective and that trading in the Ordinary Shares on AIM will commence at 8.00 a.m. on 10 October 2014. The Ordinary Shares are not dealt on any other recognised investment exchange and it is emphasised that no application has been, or is being, made for the Ordinary Shares to be admitted to any such exchange. This document is not an approved prospectus for the purposes of section 85 of FSMA, has not been prepared in accordance with the Prospectus Rules published by the Financial Conduct Authority (“FCA”) and a copy of it has not been, and will not be, delivered to the UK Listing Authority in accordance with the Prospectus Rules or delivered to or approved by any other authority which could be a competent authority for the purposes of the Prospectus Directive. -
2018 FINTECH100 Leading Global Fintech Innovators 2017 FINTECH100
2018 FINTECH100 Leading Global Fintech Innovators 2017 FINTECH100 Leadin loba Fintec nnovators 1 1 2016 2017 Fintech100 Report FINTECH100 Leadin loba Fintec nnovators Company #00 1 | Fintech Innovators 2016 1 2015 Fintech100 Report FINTECH 100 Leading Global “ Fintech Innovators Report 2015 Company Description At a Glance Tag Line Located Year Founded Key People Website Specialisation Staff Enabler or Disruptor Key Investors Ownership Size User Engagement $ $ $ $ $ The 100 Leading Fintech Innovators Report 2016 Fintech100 Report The 50 Best Fintech Innovators Report 2014 Fintech100 Report 2 About the List The Fintech100 is a collaborative effort between H2 Ventures and KPMG. In its fifth year, the Fintech100 uncovers and evaluates the most innovative Fintech companies globally. The Fintech100 comprises a ‘Top 50’ and an ‘Emerging 50’ and highlights those companies globally that are taking advantage of technology and driving disruption within the financial services industry. A judging panel comprised of senior partners from H2 Ventures and KPMG has decided the final composition of the Fintech100 list. H2 Ventures H2 Ventures is a global thought leader in fintech venture capital investment. Founded by brothers Ben and Toby Heap, and based in Sydney, Australia, it invests alongside entrepreneurs and other investors in early stage fintech ventures. H2 Ventures is the manager of the H2 Accelerator – Australia’s only dedicated fintech accelerator – and operates out of Sydney’s dynamic Startup Hub. Twitter @H2_Ventures LinkedIn H2 Ventures Facebook H2 Ventures KPMG Global Fintech The financial services industry is transforming with the emergence of innovative, new products, channels and business models. This wave of disruption is primarily driven by evolving customer expectations, digitalisation, as well as continued regulatory and cost pressures. -
Debt Capital Markets About Us High Technical Capability, Excellent Market-Awareness and Strength in Depth
Debt Capital Markets About us High technical capability, excellent market‑awareness and strength in depth. IFLR1000, 2018 What we offer How we are different • A clear understanding of your key legal • A client‑focused approach – we are objectives – we strive to gain an in‑depth client‑focused, not product‑focused. Central to understanding of your requirements and our culture is the priority that we place on client objectives to enable our advice to be tailored, relationships and satisfying the individual needs focused and provided effectively of each of our clients • Leading expertise in debt capital markets – • A multi‑specialist approach to our practice we have been one of the leading law firms in debt – our lawyers do not work in narrow practice capital markets work throughout our history areas. We have a depth of expertise, a breadth of experience and sound commercial judgement in • Innovation – we work on cutting‑edge all areas of our legal service transactions and are known for our ability to deliver bespoke solutions • Technical excellence – our lawyers have an unsurpassed reputation for technical excellence • Accessible and responsive lawyers – we ensure availability and respond swiftly • A genuinely global, world‑class response – we work as a single integrated team with market • An ability to deliver on time – we ensure leading firms from around the world who share delivery against client timetables with first class our culture of excellence. We are not constrained transaction management by formal alliances. We put the right minds in the right place at the right time. • A flexible approach to fees – we are well known for our co‑operative approach to billing and fees. -
List of Participating Merchants Mastercard Automatic Billing Updater
List of Participating Merchants MasterCard Automatic Billing Updater 3801 Agoura Fitness 1835-180 MAIN STREET SUIT 247 Sports 5378 FAMILY FITNESS FREE 1870 AF Gilroy 2570 AF MAPLEWOOD SIMARD LIMITED 1881 AF Morgan Hill 2576 FITNESS PREMIER Mant (BISL) AUTO & GEN REC 190-Sovereign Society 2596 Fitness Premier Beec 794 FAMILY FITNESS N M 1931 AF Little Canada 2597 FITNESS PREMIER BOUR 5623 AF Purcellville 1935 POWERHOUSE FITNESS 2621 AF INDIANAPOLIS 1 BLOC LLC 195-Boom & Bust 2635 FAST FITNESS BOOTCAM 1&1 INTERNET INC 197-Strategic Investment 2697 Family Fitness Holla 1&1 Internet limited 1981 AF Stillwater 2700 Phoenix Performance 100K Portfolio 2 Buck TV 2706 AF POOLER GEORGIA 1106 NSFit Chico 2 Buck TV Internet 2707 AF WHITEMARSH ISLAND 121 LIMITED 2 Min Miracle 2709 AF 50 BERWICK BLVD 123 MONEY LIMITED 2009 Family Fitness Spart 2711 FAST FIT BOOTCAMP ED 123HJEMMESIDE APS 2010 Family Fitness Plain 2834 FITNESS PREMIER LOWE 125-Bonner & Partners Fam 2-10 HBW WARRANTY OF CALI 2864 ECLIPSE FITNESS 1288 SlimSpa Diet 2-10 HOLDCO, INC. 2865 Family Fitness Stand 141 The Open Gym 2-10 HOME BUYERS WARRRANT 2CHECKOUT.COM 142B kit merchant 21ST CENTURY INS&FINANCE 300-Oxford Club 147 AF Mendota 2348 AF Alexandria 3012 AF NICHOLASVILLE 1486 Push 2 Crossfit 2369 Olympus 365 3026 Family Fitness Alpin 1496 CKO KICKBOXING 2382 Sequence Fitness PCB 303-Wall Street Daily 1535 KFIT BOOTCAMP 2389730 ONTARIO INC 3045 AF GALLATIN 1539 Family Fitness Norto 2390 Family Fitness Apple 304-Money Map Press 1540 Family Fitness Plain 24 Assistance CAN/US 3171 AF -
Pushing Boundaries
PUSHING BOUNDARIES THE 2015 UK ALTERNATIVE FINANCE INDUSTRY REPORT February 2016 Bryan Zhang, Peter Baeck, Tania Ziegler, Jonathan Bone and Kieran Garvey In partnership with with the support of CONTENTS Forewords 04 Introduction 10 About this study 12 The Size and Growth of the UK Online Alternative 13 Finance Market Market Size and Growth by Alternative Financing 14 Models Increasing Share of the Market for Business Funding 19 Market Trends in Alternative Finance 22 Expanding Base of Funders and Fundraisers 23 Market Entrants and Partnership strategies 25 Seeking Growth Through Awareness, Increased 26 Marketing and Forging Partnerships 27 Institutionalisation of the Market Cross-Border Transactions and Internationalisation 30 The Geography and Industries & Sectors of 31 Alternative Finance Industry Perspectives on Regulation, Tax Incentives 33 and Risks Size and Growth of the Different Online 38 Alternative Finance Models Peer-to-Peer Business Lending 39 Peer-to-Peer Business Lending (Real Estate) 40 Peer-to-Peer Consumer Lending 41 Invoice Trading 42 Equity-based Crowdfunding 43 Equity-based Crowdfunding (Real Estate) 44 Reward-based Crowdfunding 45 Community Shares 46 Donation-based Crowdfunding 46 Pension-led Funding 47 Debt-based Securities 47 Conclusion 48 Acknowledgements 50 Endnotes 51 ABOUT THE AUTHORS BRYAN ZHANG Bryan Zhang is a Director of the Cambridge Centre for Alternative Finance and a Research Fellow at the Cambridge Judge Business School. He has co-authored five industry reports on alternative finance. PETER BAECK Peter Baeck is a researcher at Nesta, where he focuses on crowdfunding, peer-to-peer lending and the role of digital technologies in public and social innovation.