Monthly Banking Statistics
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International Comparison of Bank Fraud
Journal of Cybersecurity, 3(2), 2017, 109–125 doi: 10.1093/cybsec/tyx011 Research paper Research paper International comparison of bank fraud reimbursement: customer perceptions and contractual terms Ingolf Becker,1,* Alice Hutchings,2 Ruba Abu-Salma,1 Ross Anderson,2 Nicholas Bohm,3 Steven J. Murdoch,1 M. Angela Sasse,1 and Gianluca Stringhini1 1Computer Science Department, University College London, Gower Street, London WC1E 6BT; 2 University of Cambridge Computer Laboratory, 15 JJ Thomson Avenue, CB3 0FD; 3Foundation for Information Policy Research *Corresponding author: E-mail: [email protected] Received 7 May 2017; accepted 17 November 2017 Abstract The study presented in this article investigated to what extent bank customers understand the terms and conditions (T&Cs) they have signed up to. If many customers are not able to understand T&Cs and the behaviours they are expected to comply with, they risk not being compensated when their accounts are breached. An expert analysis of 30 bank contracts across 25 countries found that most contract terms were too vague for customers to infer required behaviour. In some cases the rules vary for different products, meaning the advice can be contradictory at worst. While many banks allow customers to write Personal identification numbers (PINs) down (as long as they are disguised and not kept with the card), 20% of banks categorically forbid writing PINs down, and a handful stipulate that the customer have a unique PIN for each account. We tested our findings in a survey with 151 participants in Germany, the USA and UK. They mostly agree: only 35% fully understand the T&Cs, and 28% find important sections are unclear. -
Countertop EFTPOS User Guide
CounterTop EFTPOS machine User guide Welcome to your new CounterTop EFTPOS machine For easy install and set up of your EFTPOS machine, use this guide. After set up, please keep this guide somewhere handy, close to your EFTPOS machine. It provides useful tips and steps for commonly used functions and questions: Getting started . 3 Getting started Getting set up . 6 Network .....................................................6 EFTPOS machine ............................................7 What’s in the box? Notes on passwords .........................................8 Tyro App, Tyro Portal and more ...............................9 Your new CounterTop EFTPOS machine Pairing your POS/PMS with your EFTPOS machine. 11 Power adapter Start transacting . 12 Ethernet cable EFTPOS features available on request . 14 Cleaning your EFTPOS machine . 16 Ways to pay stickers for your window/door, Troubleshooting . 17 Point of Sale area and EFTPOS machine Rebooting your EFTPOS machine ...........................17 Returns and damages ......................................17 If any of the items are missing, please contact Decline codes ..............................................18 Customer Support on 1300 108 976. 2 Bendigo Bank EFTPOS powered by Tyro, CounterTop EFTPOS machine user guide 3 Handy information • As part of the process you will be assigned and emailed a Merchant ID number (MID)* The first step is • Note: You may have been assigned multiple MIDs, depending on the requirements of your business and EFTPOS machine to activate your Examples include if you have more than one trading location, or EFTPOS machine . wish to settle different machines to different bank accounts • MIDs are unique identifiers for your EFTPOS machine/s with Tyro Call 1300 108 976 We suggest you note them down here for future reference to speak to our Australian-based MID Customer Support MID team available 24/7, 365 days a year . -
ASX Announcement
ASX Announcement COVID-19 TRADING UPDATE #50 - WEEK ENDED 26 FEBRUARY 2021 Sydney, 1 March 2021 – As previously announced Tyro Payments had committed to provide weekly transaction value updates until the publication of its full year results for FY21. This temporary measure introduced to provide transparency as to the impact of COVID-19 on our operations. The information in the table below provides our transaction value data up to and including 26 February 2021. Please note the financial information provided is based upon unaudited management accounts which have not been independently reviewed or verified. In addition we note that past performance may not be a reliable indicator of future performance. Period FY20 FY19 % Increase March $1.600 billion $1.559 billion 3% April $0.911 billion $1.468 billion (38%) May $1.285 billion $1.562 billion (18%) June $1.656 billion $1.553 billion 7% FY20 $20.131 billion $17.497 billion 15% Period FY21 FY20 % Increase July $1.851 billion $1.667 billion 11% August $1.701 billion $1.766 billion (4%) September $1.787 billion $1.696 billion 5% October $1.994 billion $1.817 billion 10% November $2.159 billion $1.913 billion 13% December $2.626 billion $2.206 billion 19% January $2.022 billion $1.830 billion 10% February to 26 February (date-on-date)* $1.801 billion $1.556 billion 16% February (same day-on-day) ** $1.801 billion $1.591 billion 13% February (year-to-date) $15.941 billion $14.451 billion 10% *February 2020 was a 29 day month **Assessing against the same corresponding day of week in prior comparative period rather than the calendar date. -
Palestinian Forces
Center for Strategic and International Studies Arleigh A. Burke Chair in Strategy 1800 K Street, N.W. • Suite 400 • Washington, DC 20006 Phone: 1 (202) 775 -3270 • Fax : 1 (202) 457 -8746 Email: [email protected] Palestinian Forces Palestinian Authority and Militant Forces Anthony H. Cordesman Center for Strategic and International Studies [email protected] Rough Working Draft: Revised February 9, 2006 Copyright, Anthony H. Cordesman, all rights reserved. May not be reproduced, referenced, quote d, or excerpted without the written permission of the author. Cordesman: Palestinian Forces 2/9/06 Page 2 ROUGH WORKING DRAFT: REVISED FEBRUARY 9, 2006 ................................ ................................ ............ 1 THE MILITARY FORCES OF PALESTINE ................................ ................................ ................................ .......... 2 THE OSLO ACCORDS AND THE NEW ISRAELI -PALESTINIAN WAR ................................ ................................ .............. 3 THE DEATH OF ARAFAT AND THE VICTORY OF HAMAS : REDEFINING PALESTINIAN POLITICS AND THE ARAB - ISRAELI MILITARY BALANCE ................................ ................................ ................................ ................................ .... 4 THE CHANGING STRUCTURE OF PALESTINIAN AUTHORITY FORC ES ................................ ................................ .......... 5 Palestinian Authority Forces During the Peace Process ................................ ................................ ..................... 6 The -
Tyro by Name, Tyro by Nature Tyro [Noun]: a Person Who Is Just Beginning to Learn Something Or Who Has Very Little Experience of Something
Tyro by name, Tyro by nature tyro [noun]: a person who is just beginning to learn something or who has very little experience of something January 15, 2020 – Viceroy Research is short Tyro Payments Limited (ASX : TYR). Tyro is the 5th largest merchant acquiring bank (by number of terminals) in Australia, behind the four major banks ($NAB, $CBA, $WBC, $ANZ). Since its IPO in late 2019, Tyro has singled itself out as the most unreliable & technologically inferior fintech in Australia. Over the last week, our research suggests Tyro has “bricked” (verb: to turn into a brick) ~50% of its terminals across the country via a software patch, which requires a recall and capital-intensive terminal repair/replacement. It has no disaster recovery plan and has left businesses, including medical facilities, without any means to collect payment from customers. Viceroy Research believes Tyro presents a limited-risk short as customers churn in record numbers to vastly superior, non-archaic payment solutions providers, which are available in abundance, and immediately. Bricked ▪ Viceroy’s extensive channel checks indicate that approximately 50% of Tyro’s merchant terminals are offline, and have been for over a week as of the date of writing. - Tyro initially made an announcement to the market on January 7, 2021 that it was experiencing connectivity issues with “some” of its terminals, expected to affect only “5% of sales volume”. - In an update issued on January 13, 2021 Tyro expanded this number to 30% of customers affected by the breach. - It seems that Tyro has no idea – and no way to determine – how many of its terminals are actually functional. -
Australian Payments Clearing Association
TRUSTED DATA SHARING: NOW AND IN THE FUTURE Australian Payments Clearing Association Submission to the Productivity Commission Inquiry into Data Availability and Use July 2016 Australian Payments Clearing Association Limited ABN 12 055 136 519 Level 6, 14 Martin Place, Sydney NSW 2000 Telephone +61 2 9216 4888 Facsimile +61 2 9221 8057 www.apca.com.au Contents Executive Summary................................................................................................................................... 3 Introduction ............................................................................................................................................... 5 Payments data shared today improves customer outcomes......................................................... 8 Data sharing to reduce financial crime................................................................................... 8 Data sharing to combat fraud .................................................................................................. 9 Data sharing with third parties ................................................................................................. 9 Financial institutions share data to improve financial decisions ....................................10 A strong platform to build on..................................................................................................11 We should further educate the public on how data sharing occurs today..................11 Data sharing categories............................................................................................................12 -
The Arab-Israeli Conflict and Civil Litigation Against Terrorism
SCHUPACK IN FINAL 9/8/2010 11:38:51 AM THE ARAB-ISRAELI CONFLICT AND CIVIL LITIGATION AGAINST TERRORISM ADAM N. SCHUPACK† ABSTRACT The Arab-Israeli conflict has been a testing ground for the involvement of U.S. courts in foreign conflicts and for the concept of civil litigation against terrorists. Plaintiffs on both sides of the dispute have sought to recover damages in U.S. courts, embroiling the courts in one of the world’s most contentious political disputes. Plaintiffs bringing claims against the Palestine Liberation Organization, the Palestinian Authority, material supporters of terrorism, and the Islamic Republic of Iran have been aided by congressional statutes passed precisely to enhance their ability to bring such lawsuits, whereas plaintiffs bringing suit against Israel or Israeli leaders have not had the benefit of such laws. Although the courts have sought to give effect to the congressional authorization embodied in these statutes, they have faced the resistance—at times half-hearted—of the executive branch, which regards such legislative and judicial involvement as an intrusion on its foreign policy prerogatives. Though these lawsuits have been subject to criticism and have not fully achieved the goals attributed to them, U.S. courts have largely acted within the authority given them by Congress and the executive branch in hearing the suits, and there is at least some evidence that such lawsuits constitute an effective tool in the fight against terrorism. INTRODUCTION Alisa Flatow, a twenty-year-old Brandeis University student studying in Israel, was killed on April 9, 1995, when Palestinian Copyright © 2010 Adam N. -
Australian Retail Banking Summit 2017
P AUSTRALIAN RETAIL BANKING a g SUMMIT 2017 e | 1 Retail: Ripe for Revolution www.australianretailbankingsummit.com/ th th #RFiGroupARBS I @RFiMediaGRB Thursday 25 May and Friday 26 May Grand Ballroom Sheraton on the Park For more information, please 161 Elizabeth Street contact James Harradine, Sydney NSW 2000 RFi Group on 02 9126 2616 [email protected] This agenda is subject to change EVENT PARTNERS MEDIA PARTNERS PLATINUM SPONSOR AUSTRALIAN RETAIL BANKING SUMMIT 2017 About RFi & Our Events RFi Group is a global business intelligence and media provider focusing exclusively on financial services. We specialize in data and information gathering, customer based insight generation and business decision support for the world’s leading financial service providers. With offices in San Francisco, Toronto, Washington DC, London, Hong Kong, Singapore, and Sydney, RFi Group consistently provides clients with tailored advice and independent intelligence relevant to their specific market needs. With a core focus on delivering insightful, valuable and actionable research within the banking sector both locally and internationally, RFi Group’s offering covers retail, SME, corporate, and private banking. RFi Group produces over 100 key events throughout the year with an aim to produce quality interactive forums with insightful and relevant debate. We utilise our market insight to produce high-quality industry gatherings that provide attendees with both topical and thought provoking sessions. Our events are aimed at senior level industry leaders and we secure both national and internationally recognised speakers. Australian Retail Banking Summit The Australian Retail Banking Summit 2017 is the 8th annual instalment of the conference and will focus on the ever-evolving retail banking offerings both here and abroad. -
Tyro Payments Limited
June 30, 2016 Productivity Commission – Inquiry Data Availability and Use Tyro Payments is pleased to submit to the Productivity Commission inquiry into the benefits and costs of increasing the availability and improving the use of public and private sector data by individuals and organisations. Our contribution is from the perspective of a new entrant and innovator in the banking space. Governments and regulators across the globe are competing to re- design their policies and regulations as a reaction to market crises and digital disruption. The UK and EU are well advanced with their Open Data and Open API movement. We are convinced that smart public policy and smart regulation is the source of sustainable competitive advantage for Australia in its ambition to become a leading financial services hub in Asia. It does require to turn upside down some of the solidified and persistent paradigms of past thinking. New entrants, models and methods reduce risks for the system New entrants and innovators do not inject on balance risk but rather de-risk the systems and markets by delivering transparency and efficiency through automation, data and algorithm. Engaged smart regulation is required, not de-regulation or self- regulation A highly concentrated market with oligopolistic and duopolistic industry structures requires engaged smart regulators delivering strong policies, principles, mandates and rules that actually enable and ensure open markets and the ensuing innovation and competition. Industry self-regulation which puts incumbents in charge has stifled innovation and competition. Smart procurement is required from government The government is the biggest consumer of products and services in the country. -
Participant List
Participant List 10/20/2019 8:45:44 AM Category First Name Last Name Position Organization Nationality CSO Jillian Abballe UN Advocacy Officer and Anglican Communion United States Head of Office Ramil Abbasov Chariman of the Managing Spektr Socio-Economic Azerbaijan Board Researches and Development Public Union Babak Abbaszadeh President and Chief Toronto Centre for Global Canada Executive Officer Leadership in Financial Supervision Amr Abdallah Director, Gulf Programs Educaiton for Employment - United States EFE HAGAR ABDELRAHM African affairs & SDGs Unit Maat for Peace, Development Egypt AN Manager and Human Rights Abukar Abdi CEO Juba Foundation Kenya Nabil Abdo MENA Senior Policy Oxfam International Lebanon Advisor Mala Abdulaziz Executive director Swift Relief Foundation Nigeria Maryati Abdullah Director/National Publish What You Pay Indonesia Coordinator Indonesia Yussuf Abdullahi Regional Team Lead Pact Kenya Abdulahi Abdulraheem Executive Director Initiative for Sound Education Nigeria Relationship & Health Muttaqa Abdulra'uf Research Fellow International Trade Union Nigeria Confederation (ITUC) Kehinde Abdulsalam Interfaith Minister Strength in Diversity Nigeria Development Centre, Nigeria Kassim Abdulsalam Zonal Coordinator/Field Strength in Diversity Nigeria Executive Development Centre, Nigeria and Farmers Advocacy and Support Initiative in Nig Shahlo Abdunabizoda Director Jahon Tajikistan Shontaye Abegaz Executive Director International Insitute for Human United States Security Subhashini Abeysinghe Research Director Verite -
Market Snapshot and Intraday Chart
www.deepdataanalytics.com.au Australian Trading Day Market Report 29 January 2021 INVESTMENT MOTTO: “Life is all about cycles. You evolve with the cycles or they run over you.” MARKET SNAPSHOT AND INTRADAY CHART Sources: AFR, AAP, ASX, Bloomberg, CNBC, CNN, FactSet, Hedgeye, IRESS, Market Watch, Thomson Reuters, S&P, SMH, Trading Economics 1 www.deepdataanalytics.com.au Australian Trading Day Market Report 29 January 2021 MARKET COMMENTARY: 1. Local market was taken down to negative territory by constant selling pressure after popping up at the open on the expected dead cat bounce. US market had a dead cat bounce overnight that faded through the day with mixed economic data. We were to follow that but local and global investors were getting ahead of the seasonal weak period in Feb/Mar to lock in their performance for the month end. The month end window dressing trades were no match to the selling pressure. Energy and Banks were the worst hit while Health Care and Telecom Services were the best. Gold sector has started to shine on safety and value trade. We had elevated volatility in bond and currency markets overnight and now the US futures pointing to more pain coming. Markets were ignoring the obvious lockdown/restrictions/delays driven downgrade coming out of Europe and US. After the confirmation from ECB and US Fed, there is no stimulus boost to cover this downgrade. New US administration is more concerned about Main Street and that recovery might cost a Wall Street bashing. Reflation genie is out of the bottle and Central Banks have lost control. -
Investor Presentation
Investor Presentation ASX: CCR November 4, 2020 DISCLAIMER This presentation has been prepared by, and is the sole responsibility Credit Clear Pty Limited ACN foreseeable), includinG, without limitation, any liability arisinG from fault or neGliGence on the part of 604 797 033 (Company). The information contained in this presentation was prepared as at 4 any of them or any other person, for any loss arisinG from the use of this presentation or its contents November 2020, and remains subject to chanGe without notice. The information in this presentation or otherwise arisinG in connection with it or any errors or omission in it. is of a general nature provided solely for the purpose of givinG you backGround information about the Company. The Company has not independently verified any of the contents of this presentation (including, without limitation, any of the information attributed to third parties). No person is under any The provision of this presentation is not a representation to you or any other person that an offer of obligation to update this presentation at any time after its release to you. This presentation is strictly securities will be made. Any prospective transaction would be undertaken solely on the basis of confidential and is intended for the exclusive benefit of the person to which it is presented. It may not disclosure documentation prepared in accordance with applicable laws (to the extent required). The be reproduced, disseminated, quoted or referred to, in whole or in part, without the express consent information in this presentation may differ materially in both content and presentation from that of the Company.