DOCSLIB.ORG

Payments Insights. Opinions. Volume 21

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Payments Insights. Opinions. Volume 21 #payments insights. opinions. Customer expectations, Three forces pushing banks to modernize payments technology and regulation infrastructure demand that financial organizations update payments Payments systems have always been complex and a critical part of the banking world. systems before the next wave But over the past decade, dynamic changes within payments have created even greater challenges for financial organizations and have driven the need for payments of disruption. transformation. In particular, more complex regulation, advancing technology and demands from customers to create a consistent, seamless experience across multiple channels are pushing banks, FinTechs and payment processors to invest heavily in payments modernization. Upgrading infrastructure to address these challenges, while keeping costs under control, requires financial organizations to first understand the drivers of change. Continued on page 3 Volume 26 03 Three forces pushing banks to modernize payments infrastructure Customer expectations, technology and regulation demand financial organizations update payments systems before the next wave of disruption. 05 How Africa’s growing mobile money market is evolving Africa’s fast-growing mobile money market offers opportunities to boost financial inclusion and tap the continent’s economic potential. Editorial 08 Welcome to the first issue of #payments for 2020. Can issuing capabilities strengthen acquirers’ competitive position? In this newsletter, we explore a diverse set of topics that we know are top of mind Since European Union (EU) regulators introduced a for many financial institutions this year. fee cap on credit card transactions, acquirers have been seeking new ways to boost margins. Some are • The ongoing challenge to modernize payments architecture is explored in an now issuing their own cards, to protect profitability and create competitive advantage. article by Mike Chamas that discusses how optimizing legacy assets and taking an end-to-end perspective when planning upgrades are keys to success. • The rapid growth of mobile money schemes in Sub-Saharan Africa is boosting financial inclusion for the region and also attracting the interest of many 10 foreign players. It’s a market that offers new opportunities for growth, but is not without risk — a carefully considered entry strategy is critical to success. M&A activity and deal characteristics Activity increased in the final quarter of 2019, with • The quest to find new competitive advantage is one driver behindsome 46 disclosed transactions, up from 43 in Q3. acquirers taking on issuing capabilities. This article outlines key considerations of the strategy. • Our update on M&A activity and venture capital funding for Q4 shows both remain buoyant, highlighting the strong appeal of the sector to investors and a 12 continuing trend towards consolidation. Venture capital funding activity In the face of this Global pandemic, we understand that firms are focused on what this means for our global economy and how they will need to respond. Our teams are here to help you navigate through these uncertain times. Please do not hesitate to contact me to discuss the challenges you are facing in the current climate. Andreas Habersetzer EMEIA Payments Strategy & Transactions Advisory Leader 03 #payments Volume 26 Three forces pushing banks to modernize payments infrastructure 1. Technology Legacy monolithic payments architecture Client File The legacy payments architecture of Portal Mobile/app API gateway most financial institutions is inflexible, onboarding transmission partly because of dependence on multiple vendors. This both increases the total cost of ownership and creates several Legacy Legacy challenges for institutions: Vendor Vendor in-house in-house application application • Platforms and applications are application application fragmented. • Monolithic architecture does not allow Legacy Legacy Vendor Vendor for nimble changes. in-house in-house application 3 application n application 3 application n • Bringing changed or new products and services to market takes a long time. • Financial organizations depend on multiple vendors, all with aging systems. Database Database Database Database Database Database Database Database 1 2 3 4 5 6 7 n • There is high risk of systems inability to respond to regulatory mandates, and cybersecurity and environmental threats. Clearing and settlement systems and DDA interfaces In essence, legacy systems simply lack Legacy in-house component Vendor component Client interaction channels the agility and scalability required to respond quickly to changing customer demands. Modernizing payments Modern payments architecture infrastructure to meet these demands is fast becoming a competitive imperative Intake Client File for financial organizations, particularly as Portal Mobile/app API gateway new payment channels emerge and gain onboarding transmission traction. Unless these organizations can Omnichannel strategy quickly and seamlessly integrate these new channels, they will struggle to retain Process and grow their customer base. Payments engine framework Foundation Microservices Workflow engine ISO payload Authoriation service Audit service 2. Customer experience Business rules Data enrichment Admin service Import export service Risk/fraud service Reporting service Today’s consumers demand convenience in Data transformation framework almost every aspect of their lives. The rise Alerts service Limits service of on-demand services across mobility, Foundation entertainment, food and beyond means ISO Workflow Reporting store store store payments must also evolve to enable Vendor application n Database these real-time transactions. Customers n want to make and receive payments at any time and via any channel, and they expect Clear funds to be transferred in real time. Clearing and settlement systems and DDA interfaces Legacy middleware In-house component Vendor component 04 #payments Volume 26 But, they are not ready to sacrifice security 1 Customer experience for seamless experiences. Customers have 3 Regulations increasingly high expectations around Heightened customer expectations: Trend toward open architecture: strong authentication measures across • Demand for speed and convenience • Seamless end-to-end user experience • Regulation fast tracking payment channels, and they expect all • Speed to market and faster payments Customer customer-centric banking fraud, risk management, and exception • Immediate availability of funds experience • New, level playing field for management activities to be in place. They FinTechs also value consistency of experience and • Increased scrutiny on privacy, security, resiliency and information across channels. New, innovative products to resolution planning enhance efficiency of payments: • Modernized, secure payments Innovation Regulation Innovation • Need for scalable, real-time that provide customers with and user friendly solutions Innovation is reshaping payments on customizable options • Increased API connector enablement a scale and at a speed seen in few to address system integration needs other sectors. Within just a few years, • New, digitized capabilities that enrich advancing technology has not only current products and payment types changed how we pay, but also expanded the pool of payment players far beyond 2 Innovation the financial sector. Many new providers bring superior understanding of the customer experience deployed in sectors, such as retail, technology and the creation of interoperability technical These costs and metrics will highlight entertainment. standards and harmonization initiatives, priorities for improvement, and ultimately and we expect to see similar activity in enable each bank to understand customers’ The innovation transforming payments the US and other markets. requirements along the entire payment is also increasing the complexity of the journey and across every channel. This can payments environment. Systems must For financial organizations, meeting these allow financial organizations to develop be able to layer in multiple vendors to obligations will require payments systems shared infrastructure and processes to facilitate certain payments capabilities. with the ability to track transactions to exploit commonalities across these paths And nimble, modern and scalable provide the consistency and transparency and channels while building in flexibility to architecture is needed to provide the regulators demand and the options accommodate key differences. A proven “plug-and-play” experience required as the customers expect. framework that outlines how to modernize move to open banking and the emergence legacy systems can help financial An end-to-end business perspective of the banking-as-a-service (BaaS) model organizations make improvements now and drive further sector disruption. drives successful transformation be ready to embrace the enhancements Customer demands, innovation and and technologies that help build a truly regulation have been reshaping payments differentiating customer experience in 3. Regulation since the very first transaction was made. the future. But, the impending disruption of BaaS Following the financial crisis of is creating a new urgency for financial 2008, regulators have held financial organizations to modernize architecture organizations to a new, higher level of at speed to take advantage of emerging accountability. Recently, key regulators trends while controlling costs. With have appeared to indicate
Load more

Recommended publications
  • The Mastercard Compliant Service Provider List
    The Mastercard Compliant Service Provider List A company’s name appears on this Compliant Service Provider List if (i) MasterCard has received a copy of an Attestation of Compliance (AOC) by a Qualified Security Assessor (QSA) reflecting validation of the company being PCI DSS compliant and (ii) MasterCard records reflect the company is registered as a Service Provider by one or more MasterCard Customers. The date of the AOC and the name of the QSA are also provided. Each AOC is valid for one year. MasterCard receives copies of AOCs from various sources. This Compliant Service Provider List is provided solely for the convenience of MasterCard Customers and any Customer that relies upon or otherwise uses this Compliant Service Provider list does so at the Customer’s sole risk. While MasterCard endeavors to keep the list current as of the date set forth in the footer, MasterCard disclaims any and all warranties of any kind, including any warranty of accuracy or completeness or fitness for any particular purpose. MasterCard disclaims any and all liability of any nature relating to or arising in connection with the use of or reliance on the Compliant Service Provider List or any part thereof. Each MasterCard Customer is obligated to comply with MasterCard Rules and other Standards pertaining to use of a Service Provider. As a reminder, an AOC by a QSA provides a “snapshot” of security controls in place at a point in time. Service Provider Name Region AOC Date Assessor DESV 1&1 Internet SE (1&1, 1&1 ipayment, Europe 05/09/2016 Security Research & Consulting GmbH ipayment.de) 1Link (Guarantee) Limited SAMEA 11/17/2015 Trustwave 1Shoppingcart.com (Web.com Group, lnc.) US 04/13/2016 SecurityMetrics 1stPayGateWay, LLC US 05/27/2016 IBM Internet Security Systems (ISS) 2138617 Ontario Inc.
    [Show full text]
  • Chinese Online Payment Platforms for Their Individual Needs
    SNAPSHOT GUIDE TO ONLINE PAYMENT PLATFORMS FOR CHINESE VISITORS JULY 2017 OVERVIEW The use of online payment platforms has reshaped the way people pay for goods and services in China. Over the past five years, financial transactions are increasingly being handled through the use of advanced technology in a smartphone device, creating a fast and easy way for customers to pay for goods and services. While there are over 700 million registered users of online payment platforms in China – who complete approximately 380 million transactions a day – use of these platforms in Australia is relatively limited. In the year ending March 2017, 1.2 million Chinese visited Australia (up 12% from the previous year). Chinese visitors to Australia are the highest spending ($9.2 billion in 2016, or around $8,000 per visitor). Integrating online payment platforms recognised by Chinese visitors into business operations provides Australian businesses significant revenue yield opportunities and options better aligned to customer expectations. ONLINE PAYMENT PLATFORMS Also known as a digital wallet or e-wallet, these platforms are linked to a bank account, where transactions are processed without the use of a bank card i.e. similar to the way PayPal works. Online payment platforms can be used for purchases online or in-person. How an online payment platform works: Using a payment platform app, the customer generates a one- time QR code on their smartphone. The merchant uses a small device to scan the QR code given by the customer to process payment for the purchase of goods or services. In Australia, funds are in the merchant’s account within two business days after the date of transaction.
    [Show full text]
  • How Mpos Helps Food Trucks Keep up with Modern Customers
    FEBRUARY 2019 How mPOS Helps Food Trucks Keep Up With Modern Customers How mPOS solutions Fiserv to acquire First Data How mPOS helps drive food truck supermarkets compete (News and Trends) vendors’ businesses (Deep Dive) 7 (Feature Story) 11 16 mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved TABLEOFCONTENTS 03 07 11 What’s Inside Feature Story News and Trends Customers demand smooth cross- Nhon Ma, co-founder and co-owner The latest mPOS industry headlines channel experiences, providers of Belgian waffle company Zinneken’s, push mPOS solutions in cash-scarce and Frank Sacchetti, CEO of Frosty Ice societies and First Data will be Cream, discuss the mPOS features that acquired power their food truck operations 16 23 181 Deep Dive Scorecard About Faced with fierce eTailer competition, The results are in. See the top Information on PYMNTS.com supermarkets are turning to customer- scorers and a provider directory and Mobeewave facing scan-and-go-apps or equipping featuring 314 players in the space, employees with handheld devices to including four additions. make purchasing more convenient and win new business ACKNOWLEDGMENT The mPOS Tracker™ was done in collaboration with Mobeewave, and PYMNTS is grateful for the company’s support and insight. PYMNTS.com retains full editorial control over the findings presented, as well as the methodology and data analysis. mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved February 2019 | 2 WHAT’S INSIDE Whether in store or online, catering to modern consumers means providing them with a unified retail experience. Consumers want to smoothly transition from online shopping to browsing a physical retail store, and 56 percent say they would be more likely to patronize a store that offered them a shared cart across channels.
    [Show full text]
  • Mobile Payments
    Mobile Payments - A study of the emerging payments ecosystem and its inhabitants while building a business case. By: Cherian Abraham Principal Analyst – Mobile Commerce & Payments Practice / Co-Founder - DROP Labs Twitter @ http://twitter.com/cherian abraham LinkedIn @ http://www.linkedin.com/in/cherianabraham For more information on this study and associated research, contact me at EXECUTIVE SUMMARY: The advent of the ubiquitous smart phone has along with it brought dramatic shifts in customer behavior and payment modalities. Banks are finding themselves in an unenviable position of choosing to wait until a secure and safe standard emerges for "Digital", or take the plunge in to these murky payment waters. There is a battle waging for the customer mind-share and emerging revenue streams, between traditional and non-traditional players - who are ever more emboldened by advances in technology and disappearing barriers to entry. The objective of this study is to build a business case for banks evaluating the opportunities and challenges present in building out mobile payment solutions, including direct and indirect revenue generation. This study paints a roadmap of current mobile payment initiatives undertaken by Financial institutions, MNO's and technology upstarts, and to highlight the risks of building payment solutions which are not centered on the payment context. This study summarizes the challenges ahead for mobile payments, including a lack of interoperability, consumer apathy and a general lack of understanding of its merits. It is targeted at financial institutions that may be making first steps, by building out their own mobile wallet initiatives or partnering with others, and seeks clarity.
    [Show full text]
  • 2019.05.10 Supplementary Information
    Supplementary Information Financial results briefing for the Q2 of FY2019 May 10, 2019 GMO Payment Gateway, Inc. st (Code: 3769, TSE-1 Section) h t t p s : //c o r p . g m o - pg. c o m / The Growth track record: KPIs & Business results FY2018 revenue reached ¥26.4bn and OP ¥6.5bn （unit: mil. JPY） （unit: mil. JPY） （unit: mil. JPY） *1 9,000 8,000 *2 30,000 Revenues Operating Profit EBITDA 26,417 8,000 7,516 7,000 6,550 25,000 7,000 +25.5％ 6,000 +65.9％ 6,000 +58.9％ 20,000 5,000 5,000 15,000 4,000 4,000 3,000 3,000 10,000 2,000 2,000 5,000 1,000 1,000 0 0 0 2008/9 2009/9 2010/9 2011/9 2012/9 2013/9 2014/9 2015/9 2016/9 2017/9 2018/9 2008/9 2009/9 2010/9 2011/9 2012/9 2013/9 2014/9 2015/9 2016/9 2017/9 2018/9 2008/9 2009/9 2010/9 2011/9 2012/9 2013/9 2014/9 2015/9 2016/9 2017/9 2018/9 2019/9E 2019/9E 2019/9E J-GAAP IFRS J-GAAP IFRS J-GAAP IFRS Operating Stores*3 TRX Volume TRX Value 133,199 1.57 billion ¥4.1 trillion （*1）The group commenced voluntary adoption of IFRS in FY2018. The figures for the FY2017 have been re-calculated on the same basis. （*2）EBITDA under J-GAAP is calculated as the sum total of operating profit, depreciation and amortization; and under IFRST is calculated as sum total of operating profit and depreciation.
    [Show full text]
  • Service Provider Name Region AOC Date Assessor DESV
    A company’s name appears on this Compliant Service Provider List if (i) Mastercard has received a copy of an Attestation of Compliance (AOC) by a Qualified Security Assessor (QSA) reflecting validation of the company being PCI DSS compliant and (ii) Mastercard records reflect the company is registered as a Service Provider by one or more Mastercard Customers. The date of the AOC and the name of the QSA are also provided. Each AOC is valid for one year. Mastercard receives copies of AOCs from various sources. This Compliant Service Provider List is provided solely for the convenience of Mastercard Customers and any Customer that relies upon or otherwise uses this Compliant Service Provider list does so at the Customer’s sole risk. While Mastercard endeavors to keep the list current as of the date set forth in the footer, Mastercard disclaims any and all warranties of any kind, including any warranty of accuracy or completeness or fitness for any particular purpose. Mastercard disclaims any and all liability of any nature relating to or arising in connection with the use of or reliance on the Compliant Service Provider List or any part thereof. Each Mastercard Customer is obligated to comply with Mastercard Rules and other Standards pertaining to use of a Service Provider. As a reminder, an AOC by a QSA provides a “snapshot” of security controls in place at a point in time. Compliant Service Provider 1-60 Days Past AOC Due Date 61-90 Days Past AOC Due Date Service Provider Name Region AOC Date Assessor DESV “BPC Processing”, LLC Europe 03/31/2017 Informzaschita 1&1 Internet SE (1&1, 1&1 ipayment, Europe 05/08/2017 Security Research & Consulting GmbH ipayment.de) 1Shoppingcart.com (Web.com Group, lnc.) US 04/29/2017 SecurityMetrics 2138617 Ontario Inc.
    [Show full text]
  • Google Pay-FAQ
    Frequently Asked Questions 1. What is Google Pay? You can also open the Google Pay app, swipe left at the top to find the card you want to make default, then tap Pay Google Pay is a mobile payments app that can store your credit, debit, prepaid, loyalty Cards, etc. It is the fastest, simplest with this card 19. Can I continue to use Google Pay if my physical Credit / Debit / Prepaid card is due to expire? way to pay in millions of places – online, in stores. It brings together everything you need at checkout and protects your You can continue to use Google Pay till your card expiry date. Once you receive and activate your renewed card, you payment info with multiple layers of security. 9. Is Google Pay secure? will need to add it into Google Pay. Yes. Google Pay is secure because it processes transactions through a tokenisation service. This service replaces a 2. How do I set up Google Pay? Card’s primary account number with a random numerical sequence unique to a specific device, merchant, transaction 20. Will the card image in Google Pay match my physical card? •It only takes a few minutes to get up and running with Google Pay. type or channel. Actual account numbers are not stored on the device, or on mobile servers, and cashiers will no The card image may not be an exact match. Keep in mind this doesn't affect how your cards work with Google Pay. •Download the app on Google Play or the App Store, or visit pay.google.com.
    [Show full text]
  • How People Pay Australia to Brazil
    HowA BrandedPay™ StudyPeople of Multinational Attitudes Pay Around Shopping, Payments, Gifts and Rewards Contents 01 Introduction 03 United States 15 Canada 27 Mexico 39 Brazil 51 United Kingdom 63 Germany 75 Netherlands 87 Australia 99 Changes Due to COVID-19 This ebook reflects the findings of online surveys completed by 12,009 adults between February 12 and March 17, 2020. For the COVID-19 addendum section, 1,096 adults completed a separate online survey on May 21, 2020. Copyright © 2020 Blackhawk Network. There are also some trends that are impossible to ignore. Shopping and making payments through entirely digital channels is universal and growing, from How People Pay Australia to Brazil. A majority of respondents in every region say that they shop online more often than they shop in stores. This trend is most pronounced in younger generations and in Latin American countries, but it’s an essential fact Our shopping behaviors are transforming. How people shop, where they shop and across all demographic groups and in every region. how they pay are constantly in flux—and the trends and patterns in those changes reveal a lot about people. After all, behind all of the numbers and graphs are the In the rest of this BrandedPay report, you’ll find a summary and analysis of trends people. People whose varied tastes, daily lives and specific motivations come in each of our eight surveyed regions. We also included a detailed breakdown of together to form patterns and trends that shape global industries. how people in that region answered the survey, including any traits specific to that region.
    [Show full text]
  • Request Money with Google Pay
    Request Money With Google Pay Is Lucas emasculated when Amadeus defies undespairingly? Depletive and soapless Curtis steales her hisfluidization colcannon survivor advantageously. misgive and canst interestedly. Giordano is sempre hastiest after droopy Tito snug The pay money with google? Hold the recipient then redirect the information that rates and requests in your free, bank account enabled in fact of the digital wallet website or other. Something going wrong with displaying the contact options. Reply to requests in. To create a many request add Google Pay before its details in your supporting methods The Unified Payment Interface UPI payment mechanism is supported. Bmi federal credit or add your computer, as well as you. Open with their money with. Get access banking personal are displayed. Please feel sure that are enabled in your browser. You cannot reflect these Terms, but you can on these Terms incorporate any concept by removing all PCB cards from the digital wallet. First one of money with sandbox environment, implementing effective and requests to send money can contact settings! Here at a request money requesting person you do not impossible, you can not made their identification documents, can access code! Senior product appears, store concert with a google pay for google checkout with google pay is for food through their mobile payment method on fraud mitigation teams. Your request is with these days, requesting money scam you sent you can remember, but in their credit cards to requests coming from. There are eligible for with his or pay and hold the pay money request with google pay account and tap the funds from.
    [Show full text]
  • Transformative Banking - Go Digital with Disruptive Technologies
    Transformative Banking - Go digital with disruptive technologies issue 16 inside this issue From the Managing Director’s Desk From the Managing Director’s 1 Dear Readers, Desk As we settle down in the digital era, there is a lot to look at Banking 2020: Technology 2 and contemplate. Business, as we know it has changed. Disruption in Banking Millennials are pushing companies to the edge, when it comes to customer experience. Competition is getting 5 Commercial Lending Resurgence stiff, with startups eating away your market share. And the workforce is demanding anytime anywhere work flexibility. Mobile Imaging Technology 8 Changes the Face of Banking So, what is it that as a bank you could do to ride this wave of transformation? Newgen Product Portfolio 11 This edition of our research based newsletter talks about Research from Gartner: 12 just that. The article on ‘Banking 2020’ gives you a sneak-peek into what the future looks like Hype Cycle for Digital Banking and what all you need to do to be prepared. There is a link to an interesting video in the article, Transformation, 2015 which you must watch. The article on ‘Commercial Lending Resurgence’ talks about the need to balance risk management with customer experience in today’s times. We also take a look About Newgen 47 at how Mobile Imaging technology can empower your field force to be more efficient and Newgen at a Glance 48 productive. Newgen has helped many of its global clients become market leaders through innovative solutions. We have over 200 banking clients from all across the globe.
    [Show full text]
  • Payments Market Update SUMMER 2020 Payments Market Update–Summer 2020
    Payments Market Update SUMMER 2020 Payments Market Update–Summer 2020 Dear Clients and Friends, Houlihan Lokey is pleased to present its Payments Market Update for the summer of 2020. We hope that you and your families remain safe and healthy. We have continued adapting to this fluid market and are busy helping our clients navigate financing, M&A, and other strategic alternatives. Please reach out to any of us if you would like to connect or brainstorm regarding any current needs or sector topics. We have included industry insights, select recent transaction announcements, and a public markets overview to help you stay ahead in our dynamic industry. We hope you find this update to be informative and that it serves as a valuable resource to you in staying abreast of the market. We look forward to staying in touch. Kind regards, Rob Freiman Director, Fintech [email protected] 212.497.7859 Additional Houlihan Lokey Fintech Contacts Corporate Finance Financial and Valuation Advisory Mark Fisher Tim Shortland David Sola Andrew Stull Oscar Aarts Managing Director Managing Director Managing Director Managing Director Director [email protected] [email protected] [email protected] [email protected] [email protected] Kegan Greene Chris Pedone Reggie Graham Director Director Senior Vice President [email protected] [email protected] [email protected] Payments Subsectors Covered: B2B PAYMENTS BLOCKCHAIN CREDIT CARDS DEBIT CARDS DISBURSEMENTS FOREIGN EXCHANGE FRAUD PROTECTION INTEGRATED PAYMENTS ISSUER PROCESSING LOAN PROCESSING LOYALTY/ REWARDS MERCHANT ACQUIRING MOBILE PAYMENTS MONEY TRANSFER NETWORKS P2P PAYMENTS PAYMENT FACILITATORS POS HARDWARE POS SOFTWARE / ISVs PREPAID UNATTENDED / KIOSKS / ATMS VERTICAL PAYMENTS 2 Market Insights and Observations While the COVID-19 pandemic reduced economic activity (and associated payments) across the globe, the crisis is likely to accelerate innovation across the sector.
    [Show full text]
  • Tokyo 100Ventures 101 Digital 11:FS 1982 Ventures 22Seven 2C2P
    Who’s joining money’s BIGGEST CONVERSATION? @Tokyo ACI Worldwide Alawneh Exchange Apiture Association of National Advertisers 100Ventures Acton Capital Partners Alerus Financial AppBrilliance Atlantic Capital Bank 101 Digital Actvide AG Align Technology AppDome Atom Technologies 11:FS Acuminor AlixPartners AppFolio Audi 1982 Ventures Acuris ALLCARD INC. Appian AusPayNet 22seven Adobe Allevo Apple Authomate 2C2P Cash and Card Payment ADP Alliance Data Systems AppsFlyer Autodesk Processor Adyen Global Payments Alliant Credit Union Aprio Avant Money 500 Startups Aerospike Allianz Apruve Avantcard 57Blocks AEVI Allica Bank Limited Arbor Ventures Avantio 5Point Credit Union AFEX Altamont Capital Partners ARIIX Avast 5X Capital Affinipay Alterna Savings Arion bank AvidXchange 7 Seas Consultants Limited Affinity Federal Credit Union Altimetrik Arroweye Solutions Avinode A Cloud Guru Affirm Alto Global Processing Aruba Bank Aviva Aadhar Housing Finance Limited African Bank Altra Federal Credit Union Arvest Bank AXA Abercrombie & Kent Agmon & Co Alvarium Investments Asante Financial Services Group Axway ABN AMRO Bank AgUnity Amadeus Ascension Ventures AZB & Partners About Fraud AIG Japan Holdings Amazon Ascential Azlo Abto Software Aimbridge Hospitality American Bankers Association Asian Development Bank Bahrain Economic Development ACAMS Air New Zealand American Express AsiaPay Board Accenture Airbnb Amsterdam University of Applied Asignio Bain & Company Accepted Payments aircrex Sciences Aspen Capital Fund Ballard Spahr LLP Acciones y Valores
    [Show full text]