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Terms and Conditions for the Revolut Prepaid Mastercard® Program
THE CARD, CARD ACCOUNT AND RELATED FINANCIAL SERVICES, INCLUDING FOREIGN CURRENCY CONVERSION, REMITTANCES AND PEER-TO-PEER TRANSFERS, ARE ISSUED OR PROVIDED BY METROPOLITAN COMMERCIAL BANK. REVOLUT IS THE PROGRAM MANAGER FOR YOUR CARD, CARD ACCOUNT, AND OTHER RELATED PRODUCTS. IN THAT CAPACITY, REVOLUT MAY ACT TO PERFORM OBLIGATIONS UNDER THIS AGREEMENT OR ENFORCE RIGHTS UNDER THIS AGREEMENT, AS APPLICABLE. These terms apply from 15th March, 2021. To view our previous terms, click here. Terms and Conditions for the Revolut Prepaid Mastercard® Program This document, including the Schedule of All Fees and Charges (“Schedule A”), is an agreement (“Agreement”) containing the terms and conditions that apply to the Revolut Business Prepaid Mastercard® Card issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International (the “Mastercard ”). “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. By using any of the services offered under this Agreement, or by accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. The “Program Manager” for the Program is Revolut Technologies Inc. (“Revolut”) together with its successor and assigns. As described in this Agreement, you can contact Revolut through the Revolut Dashboard associated with the Program, by sending an email to [email protected], or by calling the toll-free telephone number on the back of your Card: (844)744-3512. Definitions In this Agreement, “Card” means the Revolut Business Prepaid Mastercard issued by the Bank, including any Physical Card or Virtual Card, (each as defined below) you may request, as permitted under this Agreement. -
Fintechs and Challenger Banks: Old Business, Brand New Approach Antonio Menegon
Research Paper Series aaa FinTechs and Challenger Banks: Old Business, Brand New Approach Antonio Menegon February 2020 1 Research Paper Series Iason Consulting ltd is the editor and the publisher of this paper. Neither editor is responsible for any consequence directly or indirectly stemming from the use of any kind of adoption of the methods, models, and ideas appearing in the contributions contained in this paper, nor they assume any responsibility related to the appropriateness and/or truth of numbers, figures, and statements expressed by authors of those contributions. Research Paper Series Year 2020 - Issue Number 25 First draft version in November 2019 Reviewed and published in February 2020 Last published issues are available online: http://www.iasonltd.com/research Front Cover: Alberto Burri, Gobbo Bianco, 1953. Copyright ©2020 Iason Consulting ltd. All rights reserved. Research Paper Series Executive Summary FinTechs are increasingly challenging the status quo of the financial system, either providing brand new services or revisiting the actual players’ offerings. The rise of these companies is fueled by big financing from PE, VC and crowdfunding, and by an extremely favourable ground from both a regulatory and a clientele point of view. Given this general scenario, the paper focuses on the major new fintech players in the European banking landscape, analysing their business model and the possible implications for the traditional commercial banks. www.iasonltd.com 2 Research Paper Series About the Authors Antonio Menegon: Manager and Senior Risk Quant With six years of experience in Risk Manage- ment and Consulting industries, he is currently leading the team of Business Analysts and Fi- nancial Engineers at one big pan-European bank. -
Neobank Varo on Serving Customers' Needs As P2P Payments See A
AUGUST 2021 Neobank Varo on serving customers’ needs as P2P payments see Nigerian consumers traded $38 million worth of bitcoin on P2P platforms within the past month a rapid rise in usage — Page 12 (News and Trends) — Page 8 (Feature Story) How P2P payments are growing more popular for a range of use cases, and why interoperability will be needed to keep growth robust — Page 16 (Deep Dive) © 2021 PYMNTS.com All Rights Reserved 1 DisbursementsTracker® Table Of Contents WHATʼS INSIDE A look at recent disbursements developments, including why P2P payments are becoming more valuable 03 to consumers and businesses alike and how these solutions are poised to grow even more popular in the years ahead FEATURE STORY An interview with with Wesley Wright, chief commercial and product officer at neobank Varo, on the rapid 08 rise of P2P payments adoption among consumers of all ages and how leveraging internal P2P platforms and partnerships with third-party providers can help FIs cater to customer demand NEWS AND TRENDS The latest headlines from the disbursements space, including recent survey results showing that almost 12 80 percent of U.S. consumers used P2P payments last year and how the U.K. government can take a page from the U.S. in using instant payments to help SMBs stay afloat DEEP DIVE An in-depth look at how P2P payments are meeting the needs of a growing number of consumers, how 16 this shift has prompted consumers to expand how they leverage them and why network interoperability is key to helping the space grow in the future PROVIDER DIRECTORY 21 A look at top disbursement companies ABOUT 116 Information on PYMNTS.com and Ingo Money ACKNOWLEDGMENT The Disbursements Tracker® was produced in collaboration with Ingo Money, and PYMNTS is grateful for the companyʼs support and insight. -
Licencias Por Tipo De Institucion
Fecha Ejecución: 8/26/2021 10:01:30 AM TRANSFERENCIAS MONETARIAS NOMBRE INSTITUCIÓN DBA DIRECCIÓN CIUDAD ZIPCODE TEL. FECHA LIC. NUM. LIC. ADP PAYROLL SERVICES, INC. ONE ADP BLVD. ROSELAND 07068 9095926411 3/9/2009 TM-035 Airbnb Payments, Inc. 650 7TH ST. SAN FRANCISCO 94103 3/29/2016 TM-065 AIRWALLEX US, LLC 1390 MARKET STREET SAN FRANCISCO 94102 917-806-5651 11/9/2020 TM-106 ALIPAY US, INC. 525 Almanor Avenue Sunnyvale 94085-3542 408-785-5580 2/9/2016 TM-063 AMAZON PAYMENTS, INC. 410 TERRY AVE. N SEATTLE 98109 2065080926 1/23/2006 TM-028 AMERICAN EXPRESS PREPAID 20022 NORTH 31TH AVENUE PHOENIX, 85027 2126401153 7/13/2010 TM-037 CARD MANAGEMENT CORP. AMERICAN EXPRESS TRAVEL 20022 NORTH 31ST AVE PHOENIX 85027 2126401153 11/10/1967 TM-010 RELATED SERVICES CO., INC. APPLE PAYMENTS, INC. 20450 STEVENS CREEK BLVD. CUPERTINO 95014 408-839-8288 1/18/2019 TM-088 ASSOCIATED FOREIGN 21045 CALIFA ST. WOODLAND HILLS 91367 818-386-2702 1/22/2018 TM-075 EXCHANGE, INC. AvidXchange, Inc. 1210 AvidXchange Lane CHARLOTTE 28206 800-560-9305 1/2/2017 TM-069 BAKKT MARKETPLACE LLC 5900 WINDWARD PARKWAY ALPHARETTA 30005 770-857-0330 1/23/2020 TM-095 BARRI MONEY SERVICES, LLC 9800 Centre Parkway Suite 700 HOUSTON 77036 713-219-5770 5/4/2021 TM-111 BILL.COM, LLC 6220 AMERICA CENTER DR. SAN JOSE 95002 650-621-7700 1/24/2020 TM-096 BITTREX, INC. 701 FIFTH AVE SEATTLE 98104 206-413-8559 9/10/2018 TM-079 BLACKHAWK NETWORK 6220 STONERIDGE MALL ROAD PLEASANTON 94588 925-226-9990 9/23/2014 TM-052 CALIFORNIA, INC. -
Electronic Money Association – Written Evidence (FSB0008) Re
Electronic Money Association – Written evidence (FSB0008) Re: Ongoing inquiry into financial services after Brexit 1. We very much welcome the opportunity to provide input to the EU Services Sub- Committee's (“The Committee”) ongoing inquiry into financial services after Brexit. 2. The EMA is the EU trade body of FinTech and BigTech firms engaging in the provision of alternative payment services and the issuance of electronic money. Our members include leading payments and e-commerce businesses providing online/mobile payments, card-based products, electronic vouchers, virtual currency exchanges, electronic marketplaces, merchant acquiring services and a range of other innovative payment services. A list of current EMA members is provided at the end of this document. 3. We fully concur with the key conclusions and recommendations of The Committee’s predecessor, the EU Financial Affairs Sub-Committee, and very much support what is set out in its letter of March 2020 to the Chancellor. A broader discussion of the significant challenges the EMA members and the UK financial markets are facing as a consequence of the withdrawal from the EU has been provided in our earlier input into the House of Commons 2019 Inquiry (see Appendix) to which we herewith refer. The remainder of this document responds more specifically to the additional questions the Committee has now put forward. Questions EMA response 1. Is the UK financial Despite enormous efforts, and due to the services sector well persistently evolving but recurring uncertainties prepared for the end of in terms of both the timeline and the specific the Brexit transition impact of the withdrawal and the cliff edge period? effects of a ‘no-deal’ scenario likely to hit the What are the main areas industry in less than 6 weeks, it has been where arrangements are difficult for EMA members to fully prepare for not yet in place for the what is now approaching. -
Digital Disruption in Banking
Digital disruption in banking Xavier Vives* IESE Business School July 2019 Abstract This paper surveys the technological disruption in banking examining its impact on competition and the potential to increase efficiency and customer welfare. It analyzes the possible strategies of the players involved, incumbents, FinTech and BigTech firms, as well as the role of regulation. The industry is facing a radical transformation and restructuring, as well as a move towards a customer-centric platform-based model. Competition will increase as new players enter the industry but the long run impact is more open. Regulation will influence decisively to what extent BigTech will enter the industry and who will be the dominant players. The challenge for regulators will be to keep a level playing field striking the right balance between fostering innovation and preserving financial stability. Consumer protection concerns raise to the forefront. Keywords: FinTech, BigTech, digital currencies, blockchain, big data, bank strategy, competition, regulation, financial stability * This paper is a revised version of a document prepared for the OECD Competition Committee FinTech roundtable of June 5, 2019. I am grateful to Ania Thiemann for very detailed comments, to Patrick Bolton and Antonio Capobianco for useful suggestions that improved the paper, and to Giorgia Trupia and Orestis Vravosinos for excellent research assistance. 1. Introduction Since the 2007-2009 financial crisis the banking industry has been faced with low interest rates, deleveraging and/or low credit growth, increased regulation and compliance requirements, as well as damaged reputation. Along with the appearance of these threats major changes have taken place in the banking sector in recent years. -
PISA in Focus Education Policy Education Policy Education Policy Education Policy Education Policy Education26 Policy Education Policy Grade Expectations
PISA IN FOCUS education policy education policy education policy education policy education policy education26 policy education policy Grade expectations • Countries vary in the way they use marks, but they all tend to reward the mastery of skills and attitudes that promote learning. • Teachers tend to give girls and socio-economically advantaged students better school marks, even if they don’t have better performance and attitudes than boys and socio-economically disadvantaged students. • It seems that marks not only measure students’ progress in school, they also indicate the skills, behaviours, habits and attitudes that are valued in school. School marks are more than just a source of anxiety – and pride – among students; they are a way that society communicates its values concerning education and the skills needed to be good learners. Marks serve the primary purpose of promoting student learning by informing students about their progress, alerting teachers about their students’ needs, and certifying the degree to which students have mastered the tasks and competencies valued by teachers and schools. Through school marks, teachers reward Marks can have long-term certain habits, attitudes and behaviours with consequences for a student. the objective of fostering learning. In all countries and economies, teachers reward the mastery of competencies and skills in reading through marks in their language-of-assessment course. Most also reward the skills, attitudes, habits and behaviours that are necessary for lifelong learning, such as reading for enjoyment, using effective learning strategies and positive student-teacher relations. This is both desired and expected; but teachers seem to reward other things as well. -
Inequality, Social Protests and Civil War Oasis, No
Oasis ISSN: 1657-7558 ISSN: 2346-2132 Universidad Externado de Colombia Díaz, Fabio Andrés Inequality, Social Protests and Civil War Oasis, no. 26, 2017, July-December, pp. 25-39 Universidad Externado de Colombia DOI: 10.18601/16577558.n26.03 Available in: http://www.redalyc.org/articulo.oa?id=53163843003 How to cite Complete issue Scientific Information System Redalyc More information about this article Network of Scientific Journals from Latin America and the Caribbean, Spain and Journal's webpage in redalyc.org Portugal Project academic non-profit, developed under the open access initiative Inequality, Social Protests and Civil War Fabio Andrés Díaz* ABSTRACT Key words: Inequality, horizontal inequality, Vertical inequality, protest, civil wars. The following article presents a series of hy- potheses to analyze the possible transitions Inequidad, protestas sociales between protest and civil war and their relation y guerra civil to inequality. To do so, the article presents an analysis on the emergence of protests and its re- RESUMEN lation with the increase in inequality across the world. This increase in inequality can in fact A partir de una serie de hipótesis se estudian lead to social unrest, instability and in some las posibles transiciones entre protestas y cases facilitate the emergence of future armed guerras civiles, y su relación con la existencia conflicts. Thus this scenario of increased in- de inequidades en diferentes constituyentes. equality presents different possible trajectories: Se analiza la emergencia de una nueva ola 1) protest generated by inequality can escalate de protestas, su relación con la existencia de into civil conflicts and civil war, or 2) protest inequidades y su aumento a nivel mundial. -
Revolut Credit Card Statement
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The Future of Banking Is Open
Visa Consulting & Analytics The Future of Banking is Open 1 Visa Consulting & Analytics Open banking What it is, why it matters, and how banks can lead the change If a consumer wants to block out the world around them, a single app gives them access to hundreds of thousands of songs and podcasts; over time, this app learns about their tastes and suggests new tunes for their listening pleasure. As technology evolves and artificial intelligence becomes more pervasive, consumers are beginning to ask why managing money cannot be as intuitive as managing music? Data is a key ingredient in offering personalized financial services, but it has been traditionally hard for consumers to share sensitive information with third parties, in a secure and consistent way. In response, financial innovation globally by both traditional and emerging players has taken place. This has led to an increase in financial innovation globally that is driven partly by the market and partly by regulation. As the world responds to the COVID-19 pandemic, one of the clear outcomes is accelerated digital engagement, something that can only be done quickly and at scale through an open ecosystem and the unbundling of financial services. In this paper, we look at what open banking is, the way some of the world’s most forward-thinking banks are responding, and how Visa Consulting & Analytics can help in transforming your business. 2 Contents What is open banking, and why does it matter? What is driving open banking? What are the consumer considerations? What are the commercial implications for ecosystem players? How are banks responding? Five strategies to consider How can Visa help you take the next step on your open banking journey? 3 What is open banking, and why does it matter? Broadly put, the term open banking refers to the use of APIs (Application Programming Interfaces) to share consumers’ financial data (with their consent) to trusted third-parties that, in turn, create and distribute novel financial products and services. -
Following Mobile Money in Somaliland Gianluca Iazzolino Rift Valley Institute Research Paper 4
rift valley institute research paper 4 Following Mobile Money in Somaliland gianluca iazzolino rift valley institute research paper 4 Following Mobile Money in Somaliland gianluca iazzolino Published in 2015 by the Rift Valley Institute (RVI) 26 St Luke’s Mews, London W11 1Df, United Kingdom. PO Box 52771, GPO 00100 Nairobi, Kenya. the rift VALLEY institute (RVI) The Rift Valley Institute (www.riftvalley.net) works in Eastern and Central Africa to bring local knowledge to bear on social, political and economic development. the rift VALLEY foruM The RVI Rift Valley Forum is a venue for critical discussion of political, economic and social issues in the Horn of Africa, Eastern and Central Africa, Sudan and South Sudan. the author Gianluca Iazzolino is a PhD candidate at the Centre of African Studies (CAS) at the University of Edinburgh and a fellow of the Institute of Money, Technology and Financial Inclusion (IMTFI) at the University of California Irvine. His research focuses on Kenya, Uganda and Somaliland, focusing on ICT, financial inclusion and migration. RVI executive Director: John Ryle RVI horn of africa & east africa regional Director: Mark Bradbury RVI inforMation & prograMMe aDMinistrator: Tymon Kiepe rvi senior associate: Adan Abokor eDitor: Catherine Bond Design: Lindsay Nash Maps: Jillian Luff, MAPgrafix isBn 978-1-907431-37-1 cover: Money vendors sit behind stacked piles of Somaliland shillings in downtown Hargeysa, buying cash in exchange for foreign currency and ‘Zaad money’. rights Copyright © The Rift Valley Institute 2015 Cover image © Kate Stanworth 2015 Text and maps published under Creative Commons license Attribution-NonCommercial-NoDerivatives 4.0 International www.creativecommons.org/licenses/by-nc-nd/4.0 Available for free download at www.riftvalley.net Printed copies available from Amazon and other online retailers, and selected bookstores. -
Periodic Table of Remittances
Periodic Table of Remittances Periodic Table of Remittances – Faisal Khan © 2015 - http://faisalkhan.com/2015/06/10/periodic-table-of-remittances-money-transfer/ Comparison Sites Emerging Players 28. TransferGo 29. TransferMate 1. AliPay 30. TransferWise 1. Compare Remit 2. Azimo 31. Ukash 2. FX Compared 3. Boom 32. Venmo 3. Money.co.uk 4. CurrencyFair 33. WorldRemit 4. Money Supermarket 5. Exchange4Free 34. XendPay 5. Remit Right 6. Facebook Messenger 35. Xoom 6. Save On Send 7. Fastacash 7. TawiPay 8. Homesend Incumbent Players 8. World Bank Remittance Prices 9. IDT Payment Services Influential Regulators 10. LycaRemit 1. Banks 11. Moneero 2. DolEx 3. Golden Crown 1. Australia: AUSTRAC 12. MoneyPolo 4. IME 2. Canada: FINTRAC 13. MoneyTrans 5. Intermex 3. China: People’s Bank of China 14. Moni 6. MasterCard 4. Hong Kong: HKMA 15. Mukuru 7. MoneyGram 5. India: Reserve Bank of India 16. OrbitRemit 8. Post Office 6. UK: Financial Conduct Authority 17. Pangea 9. Ria Financial 7. US: FinCEN 18. PayPal 19. PayTop 10. Sigue Platforms 20. RemitGuru 11. Small World 21. Remitly 12. Transfast 1. Monetise 22. Romit 13. UAE Exchange 2. Mobino 23. ShareMoney 14. Uniteller Banorte 3. Pingit 24. SnapCash 15. Viamericas 4. Popmoney 25. Tencent 16. VISA 5. Tagattitude 26. Thamel Remit 17. Western Union 6. WireCash 27. Times of Money 18. Xpress Money Periodic Table of Remittances – Faisal Khan © 2015 - http://faisalkhan.com/2015/06/10/periodic-table-of-remittances-money-transfer/ Payment Networks Data Sources Software 1. BBVA Bancomer 1. CGAP 1. ControlBox 2. CambridgeFX 2. Global Remittances Observatory – TawiPay 2.