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Country Diagnostic: Philippines
Philippines BETTERTHANCASH COUNTRY DIAGNOSTIC ALLIANCE Empowering People Through Electronic Payments July 2015 Development Results Focused Research Program Country Diagnostic: Philippines by James Hokans, Bankable Frontier Associates Philippines BETTERTHANCASH COUNTRY DIAGNOSTIC ALLIANCE Empowering People Through Electronic Payments July 2015 Development Results Focused Research Program Country Diagnostic: Philippines by James Hokans, Bankable Frontier Associates BETTERTHANCASH ALLIANCE Empowering People Through Electronic Payments INTRODUCTION TO THE BETTER THAN CASH ALLIANCE The Better Than Cash Alliance (the Alliance) is a partnership of governments, companies, and international organizations that accelerates the transition from cash to digital payments in order to drive inclusive growth and reduce poverty. Shifting from cash to digital payments has the potential to improve the lives of low-income people, particularly women, while giving governments, companies and international organizations a more transparent, time- and cost-efficient, and often safer means of making and receiving payments. We partner with governments, companies, and international organizations that are the key drivers behind the transition to make digital payments widely available by: 1. Advocating for the transition from cash to digital payments in a way that advances financial inclusion and promotes responsible digital finance. 2. Conducting research and sharing the experience our members to inform strategies for making the transition 3. Catalyzing the development -
Chapter 1 Introduction
CHAPTER 1 INTRODUCTION Globally, banking system is working continuously from many years. Paper money or cash has been leading payment mechanism worldwide for the centuries. The measure works of a bank to deposits an amount of a customer and returns it to him when he needs. During deposits and withdrawal of the amount bank may use this money for itself as to given loans to other customers who wants to avail it. There are so many types of loan like home loan, agricultural loan, personnel loan, loan for industries and business houses etc. Banks give a particular interest for the depositors on his money and take a certain interest from loan account holder. There are very fast changes occur in the traditional banking operation system. Before a decade ago a bank was involved only with customers when they were at premises of bank. But during this new time a bank provides many more services to the customer’s at their doorsteps. The entire system of banking has changed drastically. In banking system there are two most frequent and important services- one is to deposit cash in the account and second to withdraw cash from the account. Both the service provided to a customer during a time in which banks are open and officials present at that time. Here in this work our main concern is about the withdrawal service provided by the bank. Banks normally provide this cash through teller counters. Only in the past century paper money or cash faced competition from mainly cheques, debit and credit cards. Previously this whole process was thoroughly manual and nowadays it is automatic. -
The Alignment of Screens
The Alignment of Screens Felipe Raglianti , B.A.; M.A. Submitted for the degree of Doctor of Philosophy (PhD) Department of Sociology, Lancaster University, 2016 Declaration I declare that this thesis is my own work and that it has not been submitted in any form for the award of a higher degree elsewhere. Felipe Raglianti, June 2016 1 Abstract This thesis makes a distinction between screen and surface. It proposes that an inquiry into screens includes, but is not limited to, the study of surfaces. Screens and screening practices are about doing both divisions and vision. The habit of reducing screens to the display neglects their capacity to emplace separations (think of folding screens). In this thesis an investigation of screens becomes a matter of asking how surfaces and the gaps in between them articulate alignments of people and things with displays that, in practice, always leave something out of sight. Rather than losing touch with screens by reducing them to surfaces, in other words, I am interested in alternative screen configurations. For this task I sketch an approach that touches on screens through the figures of lines, surfaces, textures, folds, knots and cuts. Lines help me to make the case for thinking about screens as alignments. I then ask what kinds of observers emerge from reducing screens to single or digital surfaces. I trace that concern with Google Glass, a pair of “smartglasses” with a transparent display. To distinguish between screen and surface I suggest, through a study of biodetection and assistance dogs, how to qualify or texture screens within webs of relations. -
Automated Teller Machine - Wikipedia, the Free Encyclopedia
Automated teller machine - Wikipedia, the free encyclopedia http://en.wikipedia.org/wiki/Automated_teller_machine From Wikipedia, the free encyclopedia An automated teller machine or automatic teller machine (ATM), also known as an automated banking machine (ABM) in Canada, and a Cashpoint (which is a trademark of Lloyds TSB), cash machine or sometimes a hole in the wall in British English, is a computerized telecommunications device that provides the clients of a financial institution with access to financial transactions in a public space without the need for a cashier, human clerk or bank teller. ATMs are known by various other names including ATM machine, automated banking machine, and various regional variants derived from trademarks on ATM systems held by particular banks. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN). Using an ATM, customers can access their bank accounts in order to make cash withdrawals, debit card cash advances, and check their account balances as well as purchase prepaid cellphone credit. If the currency being withdrawn from the ATM is different from that which An NCR Personas 75-Series interior, the bank account is denominated in (e.g.: Withdrawing Japanese Yen multi-function ATM in the United from a bank account containing US Dollars), the money will be States converted at an official wholesale exchange rate. -
About Bancnet
About BancNet Presented at 19th Floor, Equitable Tower, 8751 Paseo de Roxas Makati City 1226 Who is BancNet • Electronic Switch Network that has financial institutions as its shareholders / members • 113 Member Banks • The largest inter bank network in the Philippines • First and Largest ATM Consortium in the Philippines • More than 23 years experience in ATM Networks • 113 Member Banks and Subscribers … and growing • Over 33.2 Million Active Cardholders, 11,383 ATMs • Strategy of Going Beyond ATM Banking • Multi-Bank, Multi-Channel Electronic Payment Network National and International Interconnection • ATM Networks Expressnet, Megalink • ATM Networks Mastercard, VISA • ATM & POS Network China Union Pay (CUP) • International partnership with NYCE BancNet Network I.CAN Government Agencies EPS POS POS Network ATM Network Network WeePay Member Banks ECS Bankard POS Network GHL BDO POS Network ATM Network Channels, Products & Services Point-of-Sale Internet Mobile Phone Mobile Phone Cash Withdrawal Intrabank Fund Transfer Cash Advance Inter Bank Fund Transfer Intrabank Fund Transfer Debit Card Purchase/Cash (CUP/VISA/JBC/Discover/D Checkbook Reorder Inter Bank Fund Transfer Withdrawal or Cash-out iners/MasterCard/Local) e-Shopping Checkbook Reorder Intrabank Fund Transfer Tax Payment e-Load Inter Bank Fund Transfer SSS-EDI Corporate G-Cash Reload Checkbook Reorder Philhealth (softlaunch) Statement Request Pagibig (Soon) G-Cash Reload/Auto Reload Balance Inquiry and Bills Payment Going Beyond ATM Banking BANCNET TAX PAYMENT ENROLLMENT PROCESS via BIR WEBSITE BANCNET BIR RDO EMPLOYER HSBC-AAB INFRASTRUCTURE Enroll via BIR Website Validate required documents submitted by Employer Bank to enroll the ff: via BancNet TPG Receive email 1. -
BSP Digital Payments Transformation Roadmap Report
BSP Digital Payments Transformation Roadmap 2020-2023 I. Vision and Strategic Outcomes (Targets by 2023) The BSP’s thrust to promote financial inclusion and digitalization of payments are mutually reinforcing: they go hand-in-hand, each enabling the other. As the BSP continues to foster the growth and development of digital payment innovations through enabling policies and regulations, it also promotes further financial inclusion. Digital payment innovations lower transaction costs and eliminate the oft-cited barriers to owning a transaction account. The widespread use of the internet and emergence of technological innovations make digital payments ubiquitous, more accessible and affordable, thereby propelling the progressive shift towards a cash-lite economy. Moreover, with the sudden onset of the COVID-19 global pandemic, the shift towards digital payments has become an imperative as physical distancing rules become the norm under the “New Economy” environment. By using digital payments with due care and vigilance, Filipinos reduce the need for mobility and prevent health risks from face-to-face and over-the-counter (OTC) financial transactions. The greater usage of digital payments will also facilitate the growth of Fintech businesses engaged in e-commerce businesses as the consumption of goods and services is increasingly driven by online purchases. Objective An efficient, inclusive, safe and secure digital payments ecosystem that supports the diverse needs and capabilities of individuals and firms, towards achievement of the BSP’s mandates Strategic Outcomes a. Strengthened customer preference for digital payments by: • Converting 50% of the total volume of retail payments into digital form, considering that payment services are the gateway of most Filipinos to the formal financial system. -
2019 Annual Report
SEC NO. 16962 FILE NO. CHINA BANK SAVINGS, INC. (COMPANY’S NAME) CBS BUILDING 314 Sen. Gil J. Puyat Avenue, Makati City (COMPANY’S ADDRESS) 8-988-95-55 (TELEPHONE NUMBER) DECEMBER 31 (FISCAL YEAR ENDING MONTH AND DAY) SEC FORM 17 – A (FORM TYPE) December 31, 2019 (PERIOD ENDED DATE) N/A (SECONDARY LICENSE TYPE AND FILE NUMBER) C O V E R S H E E T SEC Registration Number 0 0 0 0 0 0 1 6 9 6 2 C O M P A N Y N A M E C H I N A B A N K S A V I N G S , I N C . PRINCIPAL OFFICE ( No. / Street / Barangay / City / Town / Province ) C B S B u i l d i n g , 3 1 4 S e n . G i l J . P u y a t A v e n u e , M a k a t i C i t y Secondary License Type, If Form Type Department requiring the report Applicable 1 7 - A S E C N / A C O M P A N Y I N F O R M A T I O N Company’s Email Address Company’s Telephone Number Mobile Number [email protected] 8-988-95-55 N/A No. of Stockholders Annual Meeting (Month / Day) Fiscal Year (Month / Day) rd 1,545 3 Thursday of June 12/31 CONTACT PERSON INFORMATION The designated contact person MUST be an Officer of the Corporation Name of Contact Person Email Address Telephone Number/s Mobile Number Luis Bernardo A. -
Settlement Systems of East Asian Economies
Settlement Systems of East Asian Economies Commissioned by Ministry of Finance Japan March 2004 Institute for International Monetary Affairs Table of Contents Foreword.........................................................................................................................................1 List of Abbreviation ....................................................................................................................3 Chapter 1 Payment Systems of Hong Kong and Singapore, and Cross-border Linkages.........8 1. Payment Systems of Hong Kong....................................................................................................8 (1) Payment Systems...............................................................................................................8 i. HK-Dollar RTGS System ................................................................................................8 ii. USD RTGS System..........................................................................................................8 iii. Euro RTGS System........................................................................................................10 iv. Plans for a Yen RTGS System.......................................................................................11 v. Plans for Linking PvP Settlement Systems....................................................................11 (2) Securities Settlement Systems .........................................................................................12 i. Central Moneymarkets -
ANNUAL REPORT 2015 D Annualanannunualal Reportrepporort 2015202015 to Come
ANNUAL REPORT 2015 D AnnualAnAnnunualal ReportRepporort 2015202015 to come. strive tobe the best bank for our customers—now and for more many years businesses, deepen existing relationships, start new ones, and continue to as the Bank endeavors tosustain its growth, expand its reach, diversify its On the horizon, the emerging sunrise heralds anew day fullofpromise, in 2020. forges ahead towards its centennial year enduring partnerships—as theBank strength, rich heritage, and alegacy of the foundations ofits solid financial transformation—set of upon journey a pillars Bank’s China ofstrength anchoring This Annual year’s Report cover illustrates About TheCover 58 10 64 32 57 36 34 26 CONTENTS 4 2 andRecognition Awards Management Committee Board ofDirectors Corporate Governance Consumer Protection Corporate SocialResponsibility Human Resources Operating Highlights Message toStockholders Performance Highlights Vision Drawing strength from our rich history, we will be the best, most admired, and innovative financial services institution, partnering with our customers, employees, and shareholders in wealth creation. Mission We will be a leading provider of quality services consistently delivered to institutions, entrepreneurs, and individuals, here and abroad, to meet their financial needs and exceed rising expectations. We will be a primary catalyst in the creation of wealth for our customers, driven by a desire to help them succeed, through a highly motivated team of competent and empowered professionals, guided by in-depth knowledge of their -
3Rd Floor Philippine Stock Exchange Plaza Ayala Triangle, Ayala Avenue, Makati City We Are Pleased to Furnish Your Good Office W
24 March 2014 MS. JANET A. ENCARNACION Head, Disclosure Department Philippine Stock Exchange Disclosure Department Listing & Disclosure Group 3rd Floor Philippine Stock Exchange Plaza Ayala Triangle, Ayala Avenue, Makati City Dear Ms. Encarnacion: We are pleased to furnish your good office with a copy of our SEC Form 20 Information Statement Definitive (pursuant to section 20 of the Securities Regulation Code) filed with the Securities and Exchange Commission (SEC). For your information and guidance. Very truly yours, ALEXANDER C. ESCUCHA Senior Vice President & Corporate Information Officer 1 4 4 3 SEC Registration Number C H I N A B A N K I N G C O R P O R A T I O N (Company‘s Full Name) 1 1 F C H I N A B A N K B L D G 8 7 4 5 P A S E O D E R O X A S C O R V I L L A R S T M A K A T I (Business Address: No., Street City/ Town / Province) ATTY. LEILANI B. ELARMO 885-5145 Contact Person Company Telephone Number Definitive Information Statement 0 3 2 1 2 0 - I S 0 5 0 2 Month Day FORM TYPE Month Day Annual Meeting Secondary License Type, If Applicable C F D Dept. Requiring this Doc. Amended Articles Number / Section Total Amount of Borrowings 1,989 Total No. of Stockholders Domestic Foreign To be accomplished by SEC Personnel concerned File Number LCU Document ID Cashier S T A M P S Remarks: Please use BLACK ink for scanning purposes 2 NOTICE OF ANNUAL MEETING OF STOCKHOLDERS Please be notified that pursuant to Article III, Section 1 of the Amended By-Laws of China Banking Corporation (China Bank), the annual meeting of stockholders will be held on May 8, 2014, Thursday, 4:00 P.M., at the Penthouse, China Bank Building, Paseo de Roxas corner Villar St., Makati City, for the following purposes*: 1. -
Cashing in on ATM Malware a Comprehensive Look at Various Attack Types
Cashing in on ATM Malware A Comprehensive Look at Various Attack Types Trend Micro Forward-Looking Threat Research (FTR) Team and Europol’s European Cybercrime Centre (EC3) A TrendLabs Research Paper Contents Written by: David Sancho and Numaan Huq of Trend Micro Forward-Looking Threat Research (FTR) Team, and Massimiliano Michenzi of Europol’s European Cybercrime Centre (EC3) 6 EUROPOL DISCLAIMER From Physical Access to © European Union’s law enforcement agency, 2017. All Network-based Attacks: How rights reserved Reproduction in any forms or by any means is allowed only ATM Malware Has Evolved with the prior permission of Europol. More information on Europol is available on the Internet: Website: www.europol.europa.eu Facebook: www.facebook.com/Europol Twitter: @Europol 8 YouTube: www.youtube/EUROPOLtube ATM Infrastructure – How to TREND MICRO LEGAL DISCLAIMER Move Around an ATM The information provided herein is for general information and educational purposes only. It is not intended and should not be construed to constitute legal advice. The information contained herein may not be applicable to all 14 situations and may not reflect the most current situation. Nothing contained herein should be relied on or acted Physical ATM Malware upon without the benefit of legal advice based on the particular facts and circumstances presented and nothing Attacks herein should be construed otherwise. Trend Micro reserves the right to modify the contents of this document at any time without prior notice. 20 Translations of any material into other languages are intended solely as a convenience. Translation accuracy is not guaranteed nor implied. If any questions arise Network-based ATM Malware related to the accuracy of a translation, please refer to the original language official version of the document. -
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.