DOCSLIB.ORG

G+D Company Presentation 2021

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
G+D Company Presentation 2021 Giesecke+Devrient Company presentation As of July 30, 2021 The Giesecke+Devrient portfolio can be found in many everyday items G+D Company Presentation 8/2/2021 3 We shape trust in a digital world. We are a reliable partner and innovation driver in our major playing fields Payment Connectivity Identities Digital Infrastructures Secure physical, Trusted connectivity Safeguarding identities Protecting systems, electronic and digital for mobile devices in and authentication networks and payment transactions the Internet of Things of persons and objects confidential data G+D Company Presentation 8/2/2021 5 Payment – Worldwide trends Whether it‘s cash, card or smartphone: the market is growing. Payments are always made, regardless of the form: cash, electronic or digital. As users, we now enjoy unprecedented flexibility in our choice of payment method. And the markets continue to grow. Cash Smart Card CBDC1 80% of consumer Card payments are 86% of all central banks payments worldwide growing fastest are looking into the are made in cash worldwide and are the introduction of digital basis for mobile currencies payments 1 Central Bank Digital Currency G+D Company Presentation 8/2/2021 6 Payment – G+D Portfolio Our key success factor As a global market leader, G+D has a unique portfolio of solutions for Cash Central Bank public currencies as well Digital Currency as electronic and digital (CBDC) payment. Card Payment Digital Payment G+D Company Presentation 8/2/2021 7 Connectivity – Worldwide trends We live, work and communicate in an increasingly connected way. Billions of plants, sensors, and devices are already online worldwide – and up to one million will be added by 2023. Every hour. The Internet of Things (IoT) is already the largest machine ever 5G eSIM Automotive built by mankind. In 2025, more than One in three By 2025, nearly 900 50% of all mobile data smartphones million smart vehicles will be exchanged via shipped in 2025 worldwide will be 5G connections will be eSIM-enabled connected to the Internet G+D Company Presentation 8/2/2021 8 Connectivity – G+D Portfolio Our key success factor In a rapidly growing IoT ecosystem, we are the trusted partner for mobile Pluggable SIM eSIM network operators, smartphone OEMs, IoT companies and the automotive industry. Secure operating systems Lifecycle Connectivity Management for the IoT G+D Company Presentation 8/2/2021 9 Identities – Worldwide trends The world‘s population and mobility is growing. Secure personal identities are the basis for modern life for billions of people in a connected world – both physically and digitally. At the same time, solutions for eGovernment are gaining in importance – exchanges between citizens and the state are Digital Identities Legal Identity Passports increasingly taking place 1000% increase in According to the UN's The worldwide online. digital identity revenue is Sustainable shipments of projected over the next Development Goals, by polycarbonate four years. 2030 everyone should passports will more possess a legal identity than double to 125.5 million in 2025 G+D Company Presentation 8/2/2021 10 Identities – G+D Portfolio Our key success factor G+D secures physical and digital identities and the authentication of people and objects. Veridos, our Governmental Lifecycle joint venture with Documents Management Bundesdruckerei, offers highly secure ID documents, border control and identification systems. Verification eServices G+D Company Presentation 8/2/2021 11 Digital Infrastructures – Worldwide trends Digital security is a basic need in our modern world. Our lives are becoming increasingly connected and digital. This also boosts the number and complexity of cyber attacks. That's why trusted IT security solutions are in growing demand for governments and businesses. The global market for cybersecurity promises enormous Internet of Things Cybersecurity Mobile working growth opportunities. Today, the Internet of Damage from cybercrime In February 2021, 49% Things (IoT) already costs about 1% of global of working Internet connects some 30 billion GDP annually, around $1 users worked from devices worldwide. trillion. home. G+D Company Presentation 8/2/2021 12 Digital Infrastructures – G+D Portfolio Our key success factor Our subsidiary secunet is Europe's leading cybersecurity company and Network security for Biometrics & IT security partner to the authorities and automated Federal Republic of armed forces border control Germany. secunet enables digital sovereignty for governments, companies Security for the and society. Industrial IoT Secure eHealth Secure Cloud solutions G+D Company Presentation 8/2/2021 13 We engineer trust to secure the essential values of the world. Financial Year 2020 Revenue Operating Result Incoming Orders (EBIT) 2.31 131 2.4 EUR billion EUR million EUR billion G+D Company Presentation 8/2/2021 15 G+D is present in 32 countries worldwide Finland Presence in Russia Sweden 32 countries Germany France Greece Canada Great Britain USA China Italy 74 Mexico India subsidiaries Spain Indonesia Turkey Japan & joint ventures Malaysia Singapore Egypt South Korea United Arab Emirates 11,500 Argentinia Nigeria Saudi Arabia Talents worldwide Brazil South Africa Iraq Colombia Australia G+D Company Presentation 8/2/2021 16 Innovative since 1852 1968 1999 2016 1852 Co-development 1981 of the Print of Mobile Driver Founded in Eurocheque 1975 First 1991 Euro License: 2020 Leipzig, Germany system as the chipcards banknotes 2012 eGovernment first cashless First systems produced First solutions in G+D Filia: Introduction form of payment for banknote commercial Serbia/ Solution for a of the eSIM automation 19SIM card Kosovo Central Bank worldwide Digital Currency 19 81 (CBDC) 75 G+D Company Presentation 8/2/2021 17 Giesecke+Devrient Group Executive Committee Group CEO Group CFO Ralf Wintergerst Dr. Peter Zattler Member of the CEO CEO Management Board CEO CEO Dr. Wolfram Seidemann Carsten Ahrens Gabrielle Bugat Andreas Räschmeier Axel Deininger G+D Currency Technology G+D Mobile Security G+D Mobile Security Veridos secunet G+D Company Presentation 8/2/2021 18 Contact Giesecke+Devrient GmbH Prinzregentenstraße 159 81677 München Germany Telephone: +49 89 4119-0 E-Mail: [email protected] Web: www.gi-de.com G+D Company Presentation 8/2/2021 19 Creating Confidence.
Load more

Recommended publications
  • Download (490Kb)
    i -------- ----------------------- --------- COMMISSION OF THE EUROPEAN COMMUNITIES * * * Directorate-General Information, Commun1cat1on, Culture * * * * a newssheet for journalists Weekly nu 31/90 8 - 15 October 1990 SUMMARY P. 2 CONSUMERS: Eurocheques in the dock The European Commission feels users have had a raw deal, especially in France. P. 3 TOURISM: Italy proposes it be included in the Treaty of Rome But the procedure is long and complex, even though it has majority support in the Council of Ministers. P. 5 IMMIGRATION: Integrating 8 million immigrants An experts• report suggests how it could be done. P. 7 ENERGY: Substantial savings durinq the 1980s ... but oil imports still accounted for 36% of consumption. P. 8 ENERGY: Revolutionary nuclear power stations for the year 2040 The European Commission proposes a new fusion programme. P. 9 TQ~RISM~_The charms of the cqgDsrysid~ Community action plan in favour of rural tourism. Mailed from: Brussels X The contents of th1s publ1cdt1on do not necessanly reflect tt>e off1c1al v1ews of the lllStltutlons of the Commun1ty Reprodurt1on authonzed 200 rucc de ICJl_ul • 1049 Brussels • Beig1um • Tel 235 11 11 • Te!ex 21877 COMEU B Eurofocus 31/90 2. CONSUMERS: Eurocheques in the dock The European Commission feels users have had a raw deal, especially in France. In 1989 some 42mn. Eurocheques were issued abroad, including 27mn. within the European Community, for a total value of ECU 5,000mn.*. Practical, guaranteed, accepted virtually everywhere, Eurocheques have been used in increasingly large numbers since the last 15 years. In 1984 the European Commission even granted Eurocheque International, which had launched the scheme, an exemption from the EC's very strict competition rules.
    [Show full text]
  • January / February 1995
    The Ecologist Vol 25 Nol January/February 1995 ^ J £3.50 (US $7) New- Diseases - Old Plagues Who's Behind the Ecolabel? Mexico - Wall Street on the Warpath Oestrogen Overdose Ozone Backlash ISSN DEbl-3131 0 1 > The Unsettling of Tibet 770261"313010 Housing Plans and Policies ONA ODERN ANET RICHARD D NORTH 'Richard D North has long been one of the best informed and most thought provoking writers on the whole nexus of environmental and develop­ ment issues. This sharp and intelligent book shows North at the top of his form, arguing convincingly that concern about the future of our globe does not require you to be a modish ecopessimist. It comes like a sunburst of rational optimism and commonsense.' CHRISTOPHER PATTEN Governor of Hong Kong and former Secretary of State for the Environment (1989-1990) The Ecologist is published by Ecosystems Ltd. Editorial Office and Back Issues: Agriculture House, Bath Road, Sturminster Newton, Dorset, DT10 1DU, UK. Tel: (01258) 473476 Fax: (01258) 473748 E-Mail [email protected] Subscriptions: RED Computing, The Outback, 58-60 Kingston Road, New Maiden, Surrey, KT3 3LZ, United Kingdom Tel: (01403) 782644 Fax: (0181) 942 9385 Books: WEC Books, Worthyvale Manor, Camelford, Cornwall, PL32 9TT, United Kingdom Tel: (01840) 212711 Fax: (01840) 212808 Annual Subscription Rates Advertising Contributions £21 (US$34) for individuals and schools; For information, rates and booking, contact: The editors welcome contributions, which Wallace Kingston, Jake Sales (Ecologist agent), should be typed, double-spaced, on one £45 (US$85) for institutions; 6 Cynthia Street, London, N1 9JF, UK side of the paper only.
    [Show full text]
  • The Shadow Economy in Norway: Demand for Currency Approach
    MEMORANDUM No 10/2004 The shadow economy in Norway: Demand for currency approach Isilda Shima ISSN: 0801-1117 Department of Economics University of Oslo This series is published by the In co-operation with University of Oslo The Frisch Centre for Economic Department of Economics Research P. O.Box 1095 Blindern Gaustadalleén 21 N-0317 OSLO Norway N-0371 OSLO Norway Telephone: + 47 22855127 Telephone: +47 22 95 88 20 Fax: + 47 22855035 Fax: +47 22 95 88 25 Internet: http://www.oekonomi.uio.no/ Internet: http://www.frisch.uio.no/ e-mail: [email protected] e-mail: [email protected] List of the last 10 Memoranda: No 09 Steinar Holden. Wage formation under low inflation. 22 pp. No 08 Steinar Holden and Fredrik Wulfsberg Downward Nominal Wage Rigidity in Europe. 33 pp. No 07 Finn R. Førsund and Michael Hoel Properties of a non-competitive electricity market dominated by hydroelectric power. 24 pp. No 06 Svenn-Erik Mamelund An egalitarian disease? Socioeconomic status and individual survival of the Spanish Influenza pandemic of 1918-19 in the Norwegian capital of Kristiania. 24 pp. No 05 Snorre Kverndokk, Knut Einar Rosendahl and Thomas F. Rutherford Climate policies and induced technological change: Impacts and timing of technology subsidies. 34 pp. No 04 Halvor Mehlum, Edward Miguel and Ragnar Torvik Rainfall, Poverty and Crime in 19th Century Germany. 25 pp. No 03 Halvor Mehlum Exact Small Sample Properties of the Instrumental Variable Estimator. A View From a Different Angle. 14 pp. No 02 Karine Nyborg and Kjetil Telle A dissolving paradox: Firms’ compliance to environmental regulation.
    [Show full text]
  • Submission to the Reserve Bank of Australia Response to EFTPOS
    Submission to the Reserve Bank of Australia Response To EFTPOS Industry Working Group By The Australian Retailers Association 13 September 2002 Response To EFTPOS Industry Working Group Prepared with the assistance of TransAction Resources Pty Ltd Australian Retailers Association 2 Response To EFTPOS Industry Working Group Contents 1. Executive Summary.........................................................................................................4 2. Introduction......................................................................................................................5 2.1 The Australian Retailers Association ......................................................................5 3. Objectives .......................................................................................................................5 4. Process & Scope.............................................................................................................6 4.1 EFTPOS Industry Working Group – Composition ...................................................6 4.2 Scope Of Discussion & Analysis.............................................................................8 4.3 Methodology & Review Timeframe.........................................................................9 5. The Differences Between Debit & Credit .......................................................................10 5.1 PIN Based Transactions.......................................................................................12 5.2 Cash Back............................................................................................................12
    [Show full text]
  • A Study on Debit Cards
    Dr. Yellaswamy Ambati, International Journal of Research in Management, Economics and Commerce, ISSN 2250-057X, Impact Factor: 6.384, Volume 08 Issue 02, February 2018, Page 248-253 A Study on Debit Cards Dr. Yellaswamy Ambati (Lecturer in Commerce, TS Model Junior College, Jangaon, Warangal, Telangana State, India) Abstract: A Debit Card is a plastic payment card that can be used instead of cash when making purchases. It is also known as a bank card or check card. It is similar to a credit card, but unlike a credit card, the money comes directly from the user's bank account when performing a transaction. Some cards may carry a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payer's designated bank account. In some cases, the primary account number is assigned exclusively for use on the Internet and there is no physical card. In many countries, the use of debit cards has become so widespread that their volume has overtaken or entirely replaced cheques and, in some instances, cash transactions. The development of debit cards, unlike credit cards and charge cards, has generally been country specific resulting in a number of different systems around the world, which were often incompatible. Since the mid-2000s, a number of initiatives have allowed debit cards issued in one country to be used in other countries and allowed their use for internet and phone purchases. Keywords: Debit Card, Credit Card, ATM, Bank, Master Card I. INTRODUCTION Debit cards are a great way to get more financial freedom without the risk of falling into debt.
    [Show full text]
  • Mastercard Rules
    MasterCard Rules 15 May 2014 Notices Following are policies pertaining to proprietary rights, trademarks, translations, and details about the availability of additional information online. Proprietary Rights The information contained in this document is proprietary and confidential to MasterCard International Incorporated, one or more of its affiliated entities (collectively “MasterCard”), or both. This material may not be duplicated, published, or disclosed, in whole or in part, without the prior written permission of MasterCard. Trademarks Trademark notices and symbols used in this document reflect the registration status of MasterCard trademarks in the United States. Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product, program, or service names outside the United States. All third-party product and service names are trademarks or registered trademarks of their respective owners. Disclaimer MasterCard makes no representations or warranties of any kind, express or implied, with respect to the contents of this document. Without limitation, MasterCard specifically disclaims all representations and warranties with respect to this document and any intellectual property rights subsisting therein or any part thereof, including but not limited to any and all implied warranties of title, non-infringement, or suitability for any purpose (whether or not MasterCard has been advised, has reason to know, or is otherwise in fact aware of any information) or achievement of any particular result. Without limitation, MasterCard specifically disclaims all representations and warranties that any practice or implementation of this document will not infringe any third party patents, copyrights, trade secrets or other rights. Translation A translation of any MasterCard manual, bulletin, release, or other MasterCard document into a language other than English is intended solely as a convenience to MasterCard customers.
    [Show full text]
  • Recent Developments in UK Payment Clearing Systems
    Recent developments in UK payment clearing systems The past three years have seen a major reorganisation of the administration of the London-based payment clearing systems. The most significant and far-reaching development has been a change from a system run by a smaff number of large 'clearing' banks to one owned and controffed by a wider membership and open to any appropriately regulated financial institution which meets explicit and objective criteria for entry. This article describes this new structure, and touches upon some other payment system developments in the United Kingdom. The need for change money transmission services have not been able to enter the market on equitable terms, the government should A payment clearing system has existed in London for then consider whether the joint ownership of the clearing some two hundred years and for much of that time it has systems for cheques and electronic payments by the been based in premises known as the Bankers' Clearing members of the CLCB ...is stit! appropriate'. House. For many years this institution was owned and controlled by the major retail banks through the The outcome of this growing pressure was agreement, in Committee of London Clearing Bankers (CLCB). March 1984, by all ten participating banks(4)in the Bankers' Participation in the clearings was also granted to other Clearing House to set up a working party of senior bankers banks, including the Bank ofEngland in 1864, the under the chairmanship of Denis Child, Director and Co-operative Bank and the Central Trustee Savings Bank Deputy Group ChiefExecutive of National Westminster in 1975 and the National Girobank in 1983, but these Bank, to review the organisation, membership and control banks did not share in the ownership of the Clearing of the payment clearing systems in the United Kingdom.
    [Show full text]
  • Recent Developments in Electronic Money
    Deutsche Bundesbank Monthly Report June 1999 Recent The use of electronic money in non- developments in banks' payments poses a series of ques- tions to monetary policy. These issues electronic money were already presented in detail and discussed in an earlier Monthly Report of the Deutsche Bundesbank. 1 This art- icle is a follow-on to the earlier Report and deals with current trends in elec- tronic money. In the meantime, initial experience has been gained concern- ing its use in over-the-counter (OTC) trade in Germany; it has not been used as frequently as was originally expect- ed. However, with the development of electronic commerce on the Internet, new uses for electronic money are emerging. Theoretical considerations indicate that electronic money will most likely assume the role of a pay- ment medium for small amounts. 2 However, one cannot rule out the pos- sibility that, in the foreseeable future, the potential for the use of electronic money will be capitalised on more strongly than in the past. This is borne out by network effects in OTC trade and the lack of alternative payment in- struments with similar features on the Internet. Thus, electronic money may potentially present new challenges to monetary policy. It is therefore appro- priate to set clear rules governing the issuance of electronic money. 1 Deutsche Bundesbank, Monetary policy and payment systems, Monthly Report, March 1997, pages 33 to 46. 2 See: G. Kabelac (1999), Network money as a medium of exchange, Discussion paper 5/99, Economic Research Group of the Deutsche Bundesbank, to be published shortly.
    [Show full text]
  • Germany Provides Sound Business Opportunities for International Corporations
    spotlight GERMANY GERMANY PROVIDES SOUND BUSINESS OPPORTUNITIES FOR INTERNATIONAL CORPORATIONS. FRIEDRICH PHILIPPS AND ANDREAS NESTELE EXAMINE THE KEY ISSUES FACING CORPORATE TREASURERS, INCLUDING THE REGULATORY ENVIRONMENT, THE MAIN CASH MANAGEMENT PRACTICES AND TAXATION ISSUES. EXPORTS BOLSTER GERMAN fter a three-year stretch, Germany’s economy is growing Residents are permitted to open and maintain accounts in again, albeit not as fast as in some other Economic euros and foreign currencies, domestically and abroad. The Monetary Union (EMU) countries. German companies opening of foreign currency accounts abroad by residents are standing up well against global competition, as must be reported. Non-residents are permitted to hold Astrong export growth and a rising share in global exports foreign currency accounts and to maintain bank accounts in demonstrate. An important element in corporate restructuring Germany, denominated in either domestic or foreign currency. was the creation of cross-border value chains. German companies Since the abolition of the 2% interest-free reserve have capitalised on the opportunities presented by European requirement in 1998, banks can pay interest on corporate Union (EU) enlargement. As a result, Germany is now one of deposits in line with rates available in other euro zone Central and Eastern Europe’s major trade partners. In intra-EMU countries. There are no restrictions on the payment of interest trade, Germany has benefitted from a relatively moderate for credit balances on current accounts and short-term increase in unit labour costs in recent years. The common deposits. currency has improved the price competitiveness of goods and According to Central Bank reporting regulations, all services from Germany.
    [Show full text]
  • Stampa Programma Ok
    INSTITUTE OF HEMATOLOGY AND ONCOLOGY “L. AND A. SERÀGNOLI” It’s time to take care of T-Cell Lymphomas Presidents: Michele Baccarani Stefano Pileri Pier Luigi Zinzani Honorary President: Sante Tura Bologna, ROYAL HOTEL CARLTON October 22-24, 2006 PROGRAM It’s time to Faculty: Sergio Amadori Roma, Italy take care of Agustin Aviles Mexico City, Mexico Alma Mater Studiorum Presidents: Michele Baccarani Bologna, Italy Università di Bologna T-Cell Susan Bates Bethesda, USA Michele Baccarani Emilio Berti Monza, Italy Lymphomas Stefano Pileri Bruce Cheson Washington, USA Pier Luigi Zinzani Teodoro Chisesi Venezia, Italy Bologna, Paolo Corradini Milano, Italy Romano Danesi Pisa, Italy ROYAL HOTEL CARLTON Francesco D’Amore Arhus, Denmark October 22-24, 2006 Honorary President: Fabrizio De Ponti Bologna, Italy Sante Tura Reinhard Dummer Zurich, Switzerland Madeleine Duvic Houston, USA Brunangelo Falini Perugia, Italy Auspices Francine Foss New Haven, USA Richard Furman New York, USA MINISTERO DELLA SALUTE Gianluca Gaidano Novara, Italy Varsha Gandhi Houston, USA SIE Scientific Committee UNIVERSITÀ DEGLI STUDI DI BOLOGNA Philippe Gaulard Creteil, France Christian Gisselbrecht Paris, France Sergio Amadori REGIONE EMILIA ROMAGNA Steven Horwitz New York, USA Elaine Jaffe Bethesda, USA President ASSOCIAZIONE ITALIANA CONTRO LE John Janik Bethesda, USA LEUCEMIE - LINFOMI E MIELOMA Michael J. Keating Houston, USA Emanuele Angelucci Mario Lazzarino Pavia, Italy Paolo Corradini SEZIONE DI BOLOGNA Raymond Liang Hong Kong - China Mario Lazzarino Ying-Wei Lin Nara, Japan Maurizio Martelli Roma, Italy Francesco Lo Coco Enrica Morra Milano, Italy Gina Zini Owen O’Connor New York, USA Pier Luigi Zinzani Francesco Onida Milano, Italy Fabrizio Pane Napoli, Italy Marco Paulli Pavia, Italy Stefano Pileri Bologna, Italy Nicola Pimpinelli Firenze, Italy Scientific Secretariat William Plunkett Houston, USA Pierluigi Porcu Columbus, USA Monica Tani, Elena Sabattini Stephen John Proctor Newcastle, UK Istituto di Ematologia ed Oncologia Medica Peter Reimer Wurzburg, Germany “L.
    [Show full text]
  • The Making of Europe by Payment Cards. Hidden Integration in the Era of Neoliberalism
    15-01-2015 The Making of Europe by Payment Cards. Hidden Integration in the Era of Neoliberalism. Politics, Finance and Technology from 1992 to 2010 Bachelor Thesis European Studies Vincent Verhagen S1003461 Faculty of Management and Governance Department of Science, Technology, and Policy Studies Examcommittee: Dr. A.A. Albert de la Bruheze Dr. ir. F.J. Dijksterhuis Abstract This thesis aims to reconstruct the process of the development of the SEPA for Cards in the timeframe of 1992 up to 2010 and expose its contribution to the making of Europe. To reconstruct this process this thesis answers the question: How did the development of payment cards in the Single Euro Payments Area (SEPA) contribute to the making of Europe? In order to answer this question the theory of Misa & Schot is used which claims that European integration, often perceived as a political, economic or cultural process, is an emergent outcome of inclusion and exclusion of actors through technology which causes tensions and interactions. This approach must be placed in a neoliberal context to comprehend the relationship of the market actors with the governmental actors and their visions of Europe. This research finds that the SEPA for Cards knows three actors who perceive Europe from different perspectives which causes tensions and are related to the infrastructure for the SEPA for Cards. Furthermore the role of the US must be stressed because they influenced Europe and the card payments system for decades. Europe and the US started competing again with different technologies for payment systems. This thesis concludes that the SEPA for Cards contributed to the making of Europe through a new infrastructure which provides a platform where actors of the market and the government interact with each other.
    [Show full text]
  • Coaching for Leadership Terms & Conditions
    Coaching for Leadership Terms & Conditions 1. Window for applications Applications will be accepted from June 2019 until the closing date: Tuesday, 31 December 2019. 2. Deposit A non-refundable deposit of £847 (£705.83 + VAT at 20%: £141.17) is required on application. The deposit will be deducted from the final sum due. No invoice will be issued but a receipt can be produced on request. The deposit will be deducted from the final sum due. Should you withdraw your application the deposit will not be refunded. 3. Unsuccessful applications / Oversubscription The Institute reserves the right to decline applications for any reason - if so then your deposit will be refunded. There are only limited places on the programme - if the programme is oversubscribed, then your deposit will be refunded. You will be liable for any transaction charges. 4. Fees The programme fee for the Certificate in Coaching 2020 is £8,970 (£7,475 + VAT at 20%: £1,495) There is an Early Bird discount of £500 for applications received before Tuesday, 1 October ie the fee is £8,470 (£7058.33 + VAT at 20%: £1411.67). 5. Payment Payment of the balance should be made in full no later than 31 December 2019 On confirmation of your place, it will be reserved for you for 28 days from the date of invoice whichever is the earlier, during which time the balance of your fee must be paid in order to secure your place. Full payment must be received before the programme begins. After 31 December 2019 if the balance of your fee has not been paid, we reserve the right to offer your place to another participant.
    [Show full text]