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Guía Para El Uso De Canales Electrónicos. Canal Cajeros Automáticos
GUIA PARA EL USO DE CANALES ELECTRONICOS CAJEROS AUTOMÁTICOS –ATM– INGENIERÍA DE PROCESOS INDICE INTRODUCCIÓN...........................................................................................................................................................3 1. CAJEROS AUTOMÁTICOS (ATM ) .............................................................................................................................5 1.1. Características y beneficios principales ............................................................................................................5 1.2. Operaciones Disponibles ...................................................................................................................................5 1.2.1. Extracción / Adelanto ..................................................................................................................................5 1.2.2. Link Pagos .....................................................................................................................................................5 1.2.3. Compras y Recargas .....................................................................................................................................5 1.2.4. Transferencias ..............................................................................................................................................5 1.2.5. Depósitos .....................................................................................................................................................5 -
Assessment and Review of Application of Responsibilities for Authorities
Committee on Payments and Market Infrastructures Board of the International Organization of Securities Commissions Assessment and review of application of Responsibilities for authorities November 2015 This publication is available on the BIS website (www.bis.org) and the IOSCO website (www.iosco.org). © Bank for International Settlements and International Organization of Securities Commissions 2015. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISBN 978-92-9197-376-7 (online) Contents 1. Executive summary ......................................................................................................................................................... 1 1.1 Methodology ........................................................................................................................................................... 2 1.2 Key findings of the assessment ........................................................................................................................ 2 2. Introduction ...................................................................................................................................................................... 4 2.1 Broader context of the Responsibilities assessment ............................................................................... 4 2.2 Scope and objective of the Responsibilities assessment ....................................................................... 5 3. Methodology ................................................................................................................................................................... -
Tech in Africa
# TIA:EAST Tech In Africa February 2016 Unlocking Business Potential in Frontier Markets From Uber to M-KOPA, Index Ventures to Savannah Fund, what is it about East Africa’s burgeoning tech sector that has companies and investors big and small excited about the region? About this report This report was compiled from speaking to leading sector experts and innovators active on the ground in East Africa. It is a qualitative analysis designed to highlight their insights and perspectives on the trends and challenges that will drive East Africa’s tech sector over the coming years. Who we spoke to I-DEV’s Africa Team spent time with over 30 of the leading actors and innovators from across East Africa’s tech scene– including VCs, global tech companies, entrepreneurs, angels, strategists, incubators and pundits– to paint a real and raw picture of the rapidly emerging technology space in the region. What we learned What we found was an ecosystem at the tipping point, brimming with activity and opportunity, and giving rise to what could be Africa’s most dynamic innovation hub. While it may be slightly behind Nigeria in maturity, the East African tech scene, led by Kenya, is catching up fast. It is about learning on-the-go, developing locally-driven strategies to address challenges, and rapidly piecing together the core building blocks needed to scale. Special Thanks To: I-DEV’s team interviewed over 30 of the leading thinkers, innovators and investors across East Africa’s tech sector, including: Elizabeth Rossiello Kamau Gachigi Nikhil Patel Mbugua -
2021 Prime Time for Real-Time Report from ACI Worldwide And
March 2021 Prime Time For Real-Time Contents Welcome 3 Country Insights 8 Foreword by Jeremy Wilmot 3 North America 8 Introduction 3 Asia 12 Methodology 3 Europe 24 Middle East, Africa and South Asia 46 Global Real-Time Pacific 56 Payments Adoption 4 Latin America 60 Thematic Insights 5 Glossary 68 Request to Pay Couples Convenience with the Control that Consumers Demand 5 The Acquiring Outlook 5 The Impact of COVID-19 on Real-Time Payments 6 Payment Networks 6 Consumer Payments Modernization 7 2 Prime Time For Real-Time 2021 Welcome Foreword Spurred by a year of unprecedented disruption, 2020 saw real-time payments grow larger—in terms of both volumes and values—and faster than anyone could have anticipated. Changes to business models and consumer behavior, prompted by the COVID-19 pandemic, have compressed many years’ worth of transformation and digitization into the space of several months. More people and more businesses around the world have access to real-time payments in more forms than ever before. Real-time payments have been truly democratized, several years earlier than previously expected. Central infrastructures were already making swift For consumers, low-value real-time payments mean Regardless of whether real-time schemes are initially progress towards this goal before the pandemic immediate funds availability when sending and conceived to cater to consumer or business needs, intervened, having established and enhanced real- receiving money. For merchants or billers, it can mean the global picture is one in which heavily localized use time rails at record pace. But now, in response to instant confirmation, settlement finality and real-time cases are “the last mile” in the journey to successfully COVID’s unique challenges, the pace has increased information about the payment. -
WINSTON-SALEM OPEN: DAY 2 MEDIA NOTES Monday, August 24, 2015
WINSTON-SALEM OPEN: DAY 2 MEDIA NOTES Monday, August 24, 2015 Wake Forest University, Winston-Salem, North Carolina, USA | August 23 – 29, 2015 Draw: S-48, D-16 | Prize Money: $616,210 | Surface: Outdoor Hard ATP Info: Tournament Info: ATP PR & Marketing: www.ATPWorldTour.com www.winstonsalemopen.com Greg Sharko: [email protected] Twitter: @ATPWorldTour @WSOpen #WSOpen Press Room: +1 913 953 0094 Facebook: facebook.com/ATPWorldTour facebook.com/WinstonSalemOpen DEFENDING CHAMP ROSOL, CINCY SEMI-FINALIST DOLGOPOLOV IN ACTION STARS ON STADIUM, YOUNG GUNS ON COURT 2: Day 2 of the Winston-Salem Open on Monday features 10 first-round and four second-round matches, kicking off with defending champion Lukas Rosol versus 2014 Roland Garros semifinalist Ernests Gulbis. Also in action on Stadium Court are former World No. 2 Tommy Haas, No. 13 seed Steve Johnson and Cincinnati semi-finalist Alexandr Dolgopolov, who opens his Winston-Salem campaign against 19-year-old Australian Thanasi Kokkinakis. Three other teenagers – No. 8 seed Borna Coric, qualifier Frances Tiafoe and Hyeon Chung – are playing Monday on Court 2. DEFENDING CHAMPION RETURNS: Last year, Rosol took an unorthodox route to the Winston- Salem Open title. Seeded seventh, he received a first-round bye, second-round retirement (d. Harrison 3-6, 2-1 ret) and quarterfinal walkover (d. Isner). In his three full matches, Rosol needed three sets to beat No. 10 seed Pablo Andujar, No. 9 seed Yen-Hsun Lu and Jerzy Janowicz. GULBIS SHOWING SIGNS: Rosol’s opponent Gulbis is only 14 months removed from cracking the Top 10 of the Emirates ATP Rankings. -
ARGENTINA Executive Summary
Underwritten by CASH AND TREASURY MANAGEMENT COUNTRY REPORT ARGENTINA Executive Summary Banking The Central Bank of Argentina (Banco Central de la República Argentina – BCRA) has autonomous status under the BCRA Law of 2003. The central bank is responsible for implementing monetary and financial policy in pursuit of its core objective of preserving the value of the Argentine peso (ARS). The central bank carries out regulatory supervision of the financial sector via the Superintendency of Financial and Foreign Exchange Institutions (SEFyC). The central bank monitors statistics on cross-border transactions for balance of payments purposes. Both resident and non-resident entities may hold domestic (ARS) and foreign currency accounts locally and abroad. There are currently 62 banks operating in Argentina, of which 49 are privately owned, with the remainder nationally, provincially or municipally owned. There are also 15 finance companies and one credit cooperative. The 2001–2002 economic crisis and currency devaluation resulted in a wide-scale run on the banks by consumers and a withdrawal by a number of foreign banks; customer confidence and foreign investment in the banking sector has taken time to recover. Payments There are three clearing systems for payments authorized by the central bank: one RTGS system, one high-value payment system and one retail clearing system. Public mistrust of the banking sector following the economic crisis of 2001–2002 led to a significant increase in the use of cash for retail and commercial payments. Cash remains an important means of payment, particularly for consumers, although the check is by far the most important non-cash instrument. -
Lena Schoneborn and Adam Marosi Are the Winners at the 5Th Kremlin Cup in Moscow
25 MAY 2015 LENA SCHONEBORN AND ADAM MAROSI ARE THE WINNERS AT THE 5TH KREMLIN CUP IN MOSCOW Lena Schoneborn (Germany) was imperious in the last round of shooting and running, keeping her nerves when she needed them most and from there the Olympic Champion was unstoppable as she raced towards the finish line to take the gold in Moscow. The Women`s Final was decided by a thrilling battle. Until the last round, Sarolta Kovacs (Hungary) was leading, followed by Anna Burjak (Russia) with an 8-second gap. Schoneborn started the Combined Event with an incredible 20-second deficit to the leaders. Until the last shooting three leaders kept their positions, but Schoneborn quickly reached Burjak and approached Kovacs. Donata Rimsaite (Russia) left Burjak behind and the three leaders of the women’s competition became evident: Lena Schoneborn, Sarolta Kovacs and Donata Rimsaite, repeating the podium from the 2012 Kremlin Cup. In the men’s event, Amro El Geziry (Egypt) was dominant in Fencing and Swimming but a highly disappointing performance in Riding blunted his chances of success. It was Adam Marosi (Hungary) who led from the beginning to the end to claim victory. Maxim Kustov (Russia) finished second, followed by Valentin Prades (France) and Ricardo de Luca (Italy). The Kremlin Cup is one of the most prestigious Modern Pentathlon international competitions. With a record number of participating countries, the organisers were delighted with the turnout and the audience was once again captivated by the high-class competition. Final Results: Women 1. Lena Schoneborn (Germany) – 1329. 2.Sarolta Kovacs (Hungary) – 1325. -
FR26/2015 Assessment and Review of Application of Responsibilities for Authorities
Committee on Payments and Market Infrastructures Board of the International Organization of Securities Commissions Assessment and review of application of Responsibilities for authorities November 2015 This publication is available on the BIS website (www.bis.org) and the IOSCO website (www.iosco.org). © Bank for International Settlements and International Organization of Securities Commissions 2015. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISBN 978-92-9197-376-7 (online) Contents 1. Executive summary ......................................................................................................................................................... 1 1.1 Methodology ........................................................................................................................................................... 2 1.2 Key findings of the assessment ........................................................................................................................ 2 2. Introduction ...................................................................................................................................................................... 4 2.1 Broader context of the Responsibilities assessment................................................................................ 4 2.2 Scope and objective of the Responsibilities assessment ....................................................................... 5 3. Methodology ................................................................................................................................................................... -
Annual Report 2014 Report Annual
Annual Report 2014 Report Annual British Sky Broadcasting Group plc ANNUAL REPORT 2014 Annual Report 2014 Making life better by entertaining and connecting people We make life better by entertaining and connecting people. We are part of everyday life for millions of customers and we work hard to meet their needs and earn their trust. We believe in better. That means offering a better choice of high-quality entertainment for the whole family and using technology to put them in control, whenever and wherever they want. Our home communications services make it simple, safe and reliable for customers to connect to each other and to the world. We make our products affordable so millions can join in. We are committed to providing exceptional customer service. And we are always looking for ways to improve in everything that we do. Seeing the bigger picture is fundamental to how we do business. We are committed to behaving responsibly and doing the right thing for the communities where we live and work. Our people are critical to our success. We aim to foster a culture where they can do their best work, fulfil their potential and achieve great things together. We want to build a business that is durable for the long term. Delivering for our customers, our employees and the wider community is how we will create a more valuable business for our shareholders and sustain success into the future. Believe in better. British Sky Broadcasting Group plc Annual Report 2014 Strategic report Contents Strategic report Sky Sports set new audience At a glance 02 records this season. -
Assessing Payments Systems in Latin America
Assessing payments systems in Latin America An Economist Intelligence Unit white paper sponsored by Visa International Assessing payments systems in Latin America Preface Assessing payments systems in Latin America is an Economist Intelligence Unit white paper, sponsored by Visa International. ● The Economist Intelligence Unit bears sole responsibility for the content of this report. The Economist Intelligence Unit’s editorial team gathered the data, conducted the interviews and wrote the report. The author of the report is Ken Waldie. The findings and views expressed in this report do not necessarily reflect the views of the sponsor. ● Our research drew on a wide range of published sources, both government and private sector. In addition, we conducted in-depth interviews with government officials and senior executives at a number of financial services companies in Latin America. Our thanks are due to all the interviewees for their time and insights. May 2005 © The Economist Intelligence Unit 2005 1 Assessing payments systems in Latin America Contents Executive summary 4 Brazil 17 The financial sector 17 Electronic payments systems 7 Governing institutions 17 Electronic payment products 7 Banks 17 Conventional payment cards 8 Clearinghouse systems 18 Smart cards 8 Electronic payment products 18 Stored value cards 9 Credit cards 18 Internet-based Payments 9 Debit cards 18 Payment systems infrastructure 9 Smart cards and pre-paid cards 19 Clearinghouse systems 9 Direct credits and debits 19 Card networks 10 Strengths and opportunities 19 -
2018 Las Vegas Media Notes
TOURNAMENT NOTES as of October 31, 2018 RED ROCK PRO OPEN LAS VEGAS, NV • NOV. 4-11 USTA PRO CIRCUIT WOMEN’S TENNIS RETURNS TO LAS VEGAS, RED ROCK PRO OPEN CONTINUES AUSTRALIAN OPEN WILD CARD CHALLENGE The Red Rock Pro Open returns to Las Vegas for the 12th consecutive year. The tournament also continues the women’s side of the USTA’s Australian Open Wild Card Challenge, which kicked off in Macon, Ga., Andrew Ong/USTA last week. Las Vegas is the third of four consecutive TOURNAMENT INFO women’s hard-court tournaments that make Site: Red Rock Country Club – Las Vegas, Nev. up the women’s side of the Challenge, which will award an American woman a main Website: https://redrockproopen.com draw wild card into the 2019 Australian www.procircuit.usta.com Open. The USTA and Tennis Australia have Madison Brengle won her 12 th career USTA Facebook: Facebook.com/RedRockProOpen a reciprocal agreement in which wild cards Pro Circuit singles title at the $60,000 event in into the 2019 US Open and Australian Landisville, Pa., before the US Open Twitter: @RedRockTennis Opens are exchanged. The Challenge also Qualifying Draw Begins: Sunday, Nov. 4 included an $80,000 events in Macon, Ga., This tournament will be streamed live on Main Draw Begins: Tuesday, Nov. 6 and Tyler, Texas, each of the last two weeks, www.procircuit.usta.com. as well as the WTA $125,000 Series event Main Draw: 32 Singles / 16 Doubles in Houston (week of Nov. 12). Notable players competing in Tyler include: Surface: Hard / Outdoor In addition to the four women’s tournaments, Belinda Bencic, 21, Switzerland Prize Money: $80,000 the Australian Open Wild Card Challenge • Career-high world No. -
Optimal Solutions to Tennis Scoring Systems, Challenge System, Court Surface Allocation and Olympic Games Format
Optimal Solutions to Tennis Scoring Systems, Challenge System, Court Surface Allocation and Olympic Games Format By Tristan Barnett Scoring Systems The fundamental problem with current scoring systems is the deuce game is very “inefficient”. Some games can last for 25 minutes. The 50-40 game where the server has to win 4 points and the receiver has to win 3 points is very “efficient”. At most only 6 points are played in such a game. The number of games played in a set are significantly reduced since there are more breaks of serve. Hence, with the 50-40 game, a ‘long’ advantage final set is highly unlikely. The author has listed all the current scoring systems in table 1 and proposed scoring systems in the second table 2. The author thinks it makes sense to have just the one game structure and the 50-40 game due to its simplicity I feel is best to achieve this goal. All the early sets are tiebreak with a first-to-7 point tiebreak game at 6 games-all. The final set is advantage with a first-to-7 point tiebreak game at 12 games-all. Playing a final advantage set makes sense to keep with tradition. Matches are either 3 or 5 sets. This simplifies the scoring systems to 2. The author published a paper: Barnett T (2012). Analyzing tennis scoring systems: from the origins to today. Journal of Medicine and Science in Tennis 17(2), 68-77. http://strategicgames.com.au/article32.pdf which demonstrates why the deuce game came about and why the 50-40 game could potentially replace it.