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Financial Services Clipsheet October 27, 2004
AQUBANC ClipSheet 2004 James Cowen, Vice President of Sales, AQUBANC, LLC , , 800.350.4720 [email protected] www.aqubanc.com Financial Services Clipsheet October 27, 2004 Check 21 Aqubanc Check 21 offering PRWEB 10/27 Aqubanc, LLC, Buffalo Grove IL, a provider of Payment, Check, & Form Processing Solutions announces the Check 21 Pass™ for processing check transactions. Every check transaction which can physically move through a check or page image scanner is imaged with the checks first & always before any other documents in the transaction. Check 21 Pass documents do not need or require any OCR scan lines or barcodes. Eliminating OCR scan lines or barcodes means more real estate is available on each document for use by marketing, sales & business development in soliciting & to convey information. In the Check 21 Pass, document recognition, data field capture & data excellence are performed on multiple fonts in multiple sizes on multiple documents within each batch. This makes it easier for operations to open/sort mail, post transactions & submit electronic deposits to meet ARC & Check 21 conversion needs. Will imaging prompt Fed to exit from clearing? 10/27 AB Many believe that as banks start using electronic images to clear checks they will switch from the Federal Reserve Banks’ check processing service to private systems. Nobody expects an instant transformation Thursday, when Check 21 will take effect. The law will merely make banks accept printouts of check images as substitute checks. But Thursday will be a symbolic kickoff to full-scale image clearing, & a number of companies are poised to offer image-based clearing & settlement, which would divert business from the Fed. -
Primer Podjetja Paypal
UNIVERZA V LJUBLJANI EKONOMSKA FAKULTETA DIPLOMSKO DELO KONKURENCA NA TRGU PLAČILNIH STORITEV S STRANI NEBANČNIH PODJETIJ: PRIMER PODJETJA PAYPAL Ljubljana, maj 2013 MATEJ ŠKRINJAR IZJAVA O AVTORSTVU Spodaj podpisani Matej Škrinjar, študent Ekonomske fakultete Univerze v Ljubljani, izjavljam, da sem avtor diplomskega dela z naslovom Konkurenca na trgu plačilnih storitev s strani nebančnih podjetij: primer podjetja PayPal, pripravljenega v sodelovanju s svetovalcem doc. dr. Matejem Marinčem. Izrecno izjavljam, da v skladu z določili Zakona o avtorski in sorodnih pravicah (Ur. l. RS, št. 21/1995 s spremembami) dovolim objavo diplomskega dela na fakultetnih spletnih straneh. S svojim podpisom zagotavljam, da je predloženo besedilo rezultat izključno mojega lastnega raziskovalnega dela; je predloženo besedilo jezikovno korektno in tehnično pripravljeno v skladu z Navodili za izdelavo zaključnih nalog Ekonomske fakultete Univerze v Ljubljani, kar pomeni, da sem o poskrbel, da so dela in mnenja drugih avtorjev oziroma avtoric, ki jih uporabljam v diplomskem delu, citirana oziroma navedena v skladu z Navodili za izdelavo zaključnih nalog Ekonomske fakultete Univerze v Ljubljani, in o pridobil vsa dovoljenja za uporabo avtorskih del, ki so v celoti (v pisni ali grafični obliki) uporabljena v tekstu, in sem to v besedilu tudi jasno zapisal; se zavedam, da je plagiatorstvo – predstavljanje tujih del (v pisni ali grafični obliki) kot mojih lastnih – kaznivo po Kazenskem zakoniku (Ur. l. RS, št. 55/2008 s spremembami); se zavedam posledic, ki bi jih na osnovi predloženega diplomskega dela dokazano plagiatorstvo lahko predstavljalo za moj status na Ekonomski fakulteti Univerze v Ljubljani v skladu z relevantnim pravilnikom. V Ljubljani, dne 22.5.2013 Podpis avtorja:__________________ KAZALO UVOD .................................................................................................................. -
The Icelandic Government Finalizes Agreement with Advania and Microsoft
Reykjavik 2018-06-07 NEWS RELEASE The Icelandic government finalizes agreement with Advania and Microsoft The Icelandic government will save ISK 200 million with its new agreement with Microsoft and Advania for the purchase of software for government agencies. Bjarni Benediktsson, Minister of Finance and Economic Affairs, signed the agreement on behalf of the Icelandic government. The agreement includes access to the latest version of the Office 365 software package for all government agencies. Advania is the largest Microsoft sales and service provider in Iceland and submitted the best offer with the tender for the implementation of the agreement. Advania provides services to users and also advice on licenses. This is the first time that the Icelandic government has made a comprehensive agreement on software and licenses from Microsoft. Previously, each agency and ministry made their own agreements, and there were a total of 104 valid agreements with the Icelandic government. With this, significant savings are achieved, and the agreement guarantees small agencies the same price as the larger ones. The overview of licenses by the government will be better, and it will be possible to transfer the licenses between institutions and increase their utilization. “We believe we have achieved profitable agreements with Microsoft, as they have guaranteed higher discount rates to government agencies than are on offer to many of our neighboring countries. The agreement is part of a larger government campaign aimed at increasing and improving public services. Every year, ISK 200 million will be saved by virtue of the agreement, which in the future means savings of billions. -
New Association's Aspiration
F e b ru a ry 10, 2003 Issue 03:02:01 New Association's Aspiration: Pave the Way to Street Savvy Features n idea whose time seems to have arrived might finally turn idle talk Knowledge is Power: into something tangible. The first meeting to discuss the formation of Show Me the Money! an association specifically for independent sales contractors in the By Bob Carr ................................14 financial services industry is scheduled for Feb. 24, 2003 in Tampa, Fla. Point/Counterpoint: A • Check Volume is Checking Out! O rganizers behind this initial planning session said there were several factors By Richard Crone and coming into play that make now the right time for an association geared toward Ed Bachelder ............................23 independent agents. They also agree that they'll have their work cut out for • Not So Fast: There's Still a them, but the possible results for the industry will outweigh the blood, sweat Lot of Life Left in Checks and tears that may be shed in the process of getting an organization going fro m By Patti Murphy ........................23 the ground up. White Paper: Visa's Vision: 'Credit is Boring ... We' r e an Electronic-payment Company' By Eric Thomson ..........................26 Company Profiles Concord EFS ....................................35 HMSBLUE ........................................43 News Computer Worm Reveals Flaw in Financial Networks ....................10 MasterCard, Visa Raise Interchange Rates ..........................30 Bah Humbug for the Euro's First Christmas? ............................46 New Products A Nice Touch for C-Stores ................47 'E' Stands for Easy ............................47 In an industry where there is fierce competition for accounts and, often, little Inspiration training provided, the independent agents are most likely under-informed, liv- ing from paycheck to paycheck, and, as independent contractors, at a disadvan- Give Me an 'I,' Give Me an 'S,' tage when it comes to going toe-to-toe Give Me an 'O' ............................55 with the big guys. -
Sustainability Report Advania Sweden 2018 Table of Contents
Sustainability Report Advania Sweden 2018 Table of contents 1 Introduction 37 Sustainable supply chain 1 The year in brief 38 Supply chain requirements and control 2 Advania in brief 4 A word from Tomas Wanselius 5 Focus on sustainability work 40 A final word from the 6 Management of our sustainability work Sustainability Manager 7 Sustainable Advania 41 About this sustainability report 8 Attractive employer 14 Equality and diversity 42 Process for materiality assessment 18 Business ethics and transparency 43 Risk analysis 19 Climate-smart operations 44 UN Global Goals 23 Long-term profitability 46 Measurement of greenhouse gas emissions according to the GHG protocol 47 GRI Index 24 Sustainable offerings 25 Integrity and security 28 Sustainable IT and sustainable digitalisation 35 Customer satisfaction About this sustainability report This report concerns Advania Sverige AB’s activities for the oper- renamed Advania Sweden AB, and the name Advania AB is now the ating period of 1 January 2018 to 31 December 2018. It is Advania name of the Nordic parent company that owns Advania Sweden Sverige AB’s third report, and it has been prepared in accordance AB. In this report, Advania Sweden is referred to as “Advania”, and with GRI Standards: Core level. Our last report was published in the corporate group is referred to as the “Advania Group”. June 2018, and we publish a report each year. 2016 is the base year for the report. Insofar as there is reliable data, The report is also Advania Sverige AB’s sustainability report, in key figures from 2015 are also reported. -
March of Mobile Money: the Future of Lifestyle Management
The March of Mobile Money THE FUTURE OF LIFESTYLE MANAGEMENT SAM PITRODA & MEHUL DESAI The March of Mobile Money THE FUTURE OF LIFESTYLE MANAGEMENT SAM PITRODA & MEHUL DESAI First published in India in 2010 by Collins Business An imprint of HarperCollins Publishers a joint venture with The India Today Group Copyright © Sam Pitroda and Mehul Desai 2010 ISBN: 978-81-7223-865-0 2 4 6 8 10 9 7 5 3 Sam Pitroda and Mehul Desai assert the moral right to be identified as the authors of this work. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publishers. HarperCollins Publishers A-53, Sector 57, Noida 201301, India 77-85 Fulham Palace Road, London W6 8JB, United Kingdom Hazelton Lanes, 55 Avenue Road, Suite 2900, Toronto, Ontario M5R 3L2 and 1995 Markham Road, Scarborough, Ontario M1B 5M8, Canada 25 Ryde Road, Pymble, Sydney, NSW 2073, Australia 31 View Road, Glenfield, Auckland 10, New Zealand 10 East 53rd Street, New York NY 10022, USA Typeset in 12/18.3 Dante MT Std InoSoft Systems Printed and bound at Thomson Press (India) Ltd We would like to thank the entire C-SAM family and its well-wishers, without whom this journey would not be as enriching. We would like to thank Mayank Chhaya, without whom we would not have been able to complete this book. We would like to thank our better halves, Anu and Malavika, without whose companionship this journey and book would not be as meaningful. -
Corporate Governance Statement for the Financial Year 2013
CORPORATE GOVERNANCE STATEMENT 2013 Advania hf. Corporate Governance Statement for the financial year 2013 The framework The guidelines on Corporate Governance issued by the Iceland Chamber of Commerce, NASDAQ OMX Iceland and the Confederation of Icelandic Employers, along with the Company's Articles of Association, and rules for Issuers of Securities listed on the NASDAQ OMX Iceland make up the framework for Advania's Corporate Governance practices. The Company's Articles of Association, Remuneration policy, Equal Opportunities policy, Rules of Procedure for the Board of Directors and the Corporate Governance statement can be found on the Company's website and the guidelines, while the rules for Issuers are on the website of NASDAQ OMX Iceland. The Company complies to the rules mentioned above. No government organization has found the Company to be in breach with any rule or regulation. In February 2014 the Iceland Chamber of Commerce, the Confederation for Icelandic Employers and NASDAQ OMX Iceland granted the Company a recognition for “Exemplary in Corporate Governance”. The aim of the recognition is to increase credibility and transparency of Icelandic companies’ corporate governance with respect to shareholders and interested parties. Values and code of ethics and corporate responsibility The core values of the Advania are passion, agility and competence. The values were chosen by the employees themselves. PASSION refers to the fact that the Company’s employees are proud, love their field of profession and work arduously with their hearts and souls. Advania strives to create an entertaining workplace with good morale, frequent recreational events and good working facilities. AGILITY refers to the service attitude of the employees, who aim to exceed the expectations of the customer with pro-active initiatives and react promptly and speedily to all wishes for service. -
Paypal Prospectus.Pdf
SUBJECT TO COMPLETION, DATED JANUARY 18, 2002 P R O S P E C T U S 5,400,000 Shares Common Stock statement filed with the Securities and Exchange $ per share e securities in any state where the offer or sale is not permitted. We are selling 5,400,000 shares of our common stock. We have granted the underwriters an option to purchase up to 810,000 additional shares of common stock to cover over-allotments. This is the initial public offering of our common stock. We currently expect the initial public offering price to be between $12.00 and $14.00 per share. We have applied to have our common stock included for quotation on the Nasdaq National Market under the symbol ``PYPL.'' Investing in our common stock involves risks. See ``Risk Factors'' beginning on page 8. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. Per Share Total Public Offering Price $ $ Underwriting Discount $ $ Proceeds to PayPal (before expenses) $ $ The underwriters expect to deliver the shares to purchasers on or about , 2002. Salomon Smith Barney Bear, Stearns & Co. Inc. William Blair & Company SunTrust Robinson Humphrey Friedman Billings Ramsey The information in this prospectus is not complete and may be changed. We may not sell these securities until the registration The information in this prospectus is not complete and may be changed. We Commission is effective. This prospectus not an offer to sell these securities and it soliciting buy thes , 2002 You should rely only on the information contained in this prospectus. -
Survey of Developments in Electronic Money and Internet and Mobile Payments
Committee on Payment and Settlement Systems Survey of developments in electronic money and internet and mobile payments March 2004 Copies of publications are available from: Bank for International Settlements Press & Communications CH-4002 Basel, Switzerland E-mail: [email protected] Fax: +41 61 280 9100 and +41 61 280 8100 This publication is available on the BIS website (www.bis.org). © Bank for International Settlements 2004. All rights reserved. Brief excerpts may be reproduced or translated provided the source is cited. ISBN 92-9131-667-9 (print) ISBN 92-9197-667-9 (online) Foreword A number of innovative products for making payments have been developed in recent years, taking advantage of rapid technological progress and financial market development. Transactions made using these innovative products are accounting for an increasing proportion of the volume and value of domestic and cross-border retail payments. The possibility of electronic money taking over from physical cash for most small-value payments continues to evoke considerable interest among both the public and the various authorities concerned, including central banks. Although e-money has not been a very dynamic area in the field of retail payments recently, its development raises policy issues for central banks as regards payment system oversight, the possible implications for central banks’ revenues and the implementation of monetary policy. In view of these potential policy concerns, in 1996 the G10 central bank Governors announced their intention to closely monitor the evolution of electronic money schemes and products and, while respecting competition and innovation, to take any appropriate action if necessary. The Governors asked the BIS to monitor the developments of these new products on a regular and, as far as possible, global basis. -
Iceland: Transcending Global Challenges the Small Atlantic Nation Is a Powerful Role Model for the Rest of the World
CONTENT FROM COUNTRY REPORTS ICELAND Iceland: Transcending global challenges The small Atlantic nation is a powerful role model for the rest of the world SHUTTERSTOCK: OLEG SENKOV The uniquely colorful city of Reykjavik is just a few hours from both mainland Europe and the U.S.’s east coast In the midst of a pandemic and global investor equally effective due to the rapid deployment of a jitters, this May the Icelandic government issued substantial test, track and trace program. Collab- bonds to the value of nearly $600 million that orating on this are health authorities, the National were oversubscribed seven times. Why is there University Hospital of Iceland and local biophar- such confidence in the country and its ability to maceutical firm deCODE genetics, one of many overcome the COVID-19 crisis quickly? innovative companies Iceland has nurtured in “We have a good history of rebounding fairly order to build an economy focused on green strongly,” Bjarni Benediktsson, Minister of Fi- industries, sustainable fishing, knowledge-based nance and Economic Affairs replies. He’s being sectors and tourism. too modest: after 2008’s financial crisis, when its Bjarni Benediktsson Gudlaugur Thór The government has helped foster these busi- three biggest banks collapsed in a matter of days Minister of Finance Thórdarson nesses by ensuring nearly half of the young pop- and Economic Minister of and 80 percent of its stock market was wiped out Affairs Foreign Affairs ulation is tertiary educated through the nation’s overnight, Iceland staged one of the fastest eco- and International industry- and research-focused universities. -
Corporate Governance Statement 2014
CORPORATE GOVERNANCE STATEMENT 2014 Advania hf. Corporate Governance Statement for the financial year 2014 The framework The guidelines on Corporate Governance issued by the Iceland Chamber of Commerce, NASDAQ OMX Iceland and the Confederation of Icelandic Employers, along with the Company's Articles of Association, and rules for Issuers of Securities listed on the NASDAQ OMX Iceland make up the framework for Advania's Corporate Governance practices. The Company's Articles of Association, Remuneration policy, Equal Opportunities policy, Rules of Procedure for the Board of Directors and the Corporate Governance statement can be found on the Company's website and the guidelines and the rules for Issuers are on the website of NASDAQ OMX Iceland. The Company complies to the rules mentioned above. No government organization has found the Company to be in breach with any rule or regulation regarding corporate governance. In February 2014 the Iceland Chamber of Commerce, the Confederation for Icelandic Employers and NASDAQ Iceland granted the Company a recognition for “Exemplary in Corporate Governance”. The aim of the recognition is to increase credibility and transparency of Icelandic companies’ corporate governance with respect to shareholders and interested parties. Values and code of ethics and corporate responsibility The core values of the Advania are passion, agility and competence. The values were chosen by the employees themselves. PASSION refers to the fact that the Company’s employees are proud, love their field of profession and work arduously with their hearts and souls. Advania strives to create an entertaining workplace with good morale, frequent recreational events and good working facilities. -
Diáriodoco Gresso
ESTADOS UNIDOS DO BRASiL DIÁRIO•. • ~'" < *~', .,;' ,,DO• . CO. GRESSO'·. -, ..•.'. lei SEÇAO iLL ""'" ANO XII - N,' 194 CAPITAL FEDERAL QUINTA-F~IRA, 24 DE OUTUBRO DE 1957 ... NACIONAl~ CONGRESSO., -. • ~ - ; l-' ' • .~ Presídêneía .~ ... Transferêllcia d@~pr.eciação de "veto" .presidencial que cU.spõe sõbre créditos orçamentários destinad~s !J.. cJefc.a contra ~. secas do- Nordeste, regula a forma de pagamento de ,ll'CClUU. vela cúUAooo O Presidente do senado Federal, atendene'o à ímpcssibílídade .de se trução de açudes em cooperação e dá outrus providênclae. ~calizar no dia 22 do corrente, conrcrme rôra estabelecido, a. uprecíação elo Veto presidencial D.O Projeto de Li:! .n.> 1.181. de 1958, na Câmara e SeMdo Federal, em 9 de Outubro de 1957. n.« 82, de 1957, no senaãc, que reol':;aniza as Secretarias do MiIUstérlo Senador I,polônia Sales Público da União ju:ito à Justiça do Trabalho, cria o respectivo QUadro VIce-Presidente, no exercicío da Presidêx;clll. de Pessoal e dá outras provídêncías, em virtUI;!·" de ser ti sessão conjunta. dessa data necessárla o. ultimação do estudo do veto presídeneíal ao Pro jeto de Lei que dispõe sõbre a reforma da Tanfa das Alfândegas, resolve Convocação de sessão conjunta .para apreciação transrert-la paro. o dia '24, também do mês em curso, às 21 horas, no do "veto" presidencial ;L"aacio da Câmara dos Deputados. O Presidente do Senc.do Federal, nos têrmas do aMigo 70, ~ da Senado Federal, 11 de Outubro de 1957. 3.°, ConstltUiçúo Federal, e do artigo 45 do Regimento comum, convoca aa Senador Apo/ónio Salle~ duas Casas ,do Congresso Nacional para, em .sessâo conjunta.