Global Affinity Finance Club Winter 2015
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Bank of Russia
12 Neglinnaya Street, Moscow, 107016 Russia 8 800 300-30-00 www.cbr.ru News List of credit institutions with appointed authorised representatives of the Bank of Russia 10 December 2020 Press release As of 1 December 2020, authorised representatives of the Bank of Russia, acting in compliance with Article 76 of Federal Law No. 86-FZ, dated 10 July 2002, ‘On the Central Bank of the Russian Federation (Bank of Russia)’ were appointed to 112 credit institutions. No. List of credit institutions with appointed authorised representatives of the Bank of Russia Reg. No. Central Federal District Moscow and the Moscow Region 1. AO UniCredit Bank 1 2. BCS Bank AO 101 3. CentroCredit Bank 121 4. JSC RN Bank 170 5. HCF Bank 316 6. Bank GPB (JSC) 354 7. Bank IPB (JSC) 600 8. JSC Post Bank 650 9. PJSC Moscow Industrial bank 912 10. VTB Bank (PJSC) 1000 11. PJSC Plus Bank 1189 12. AO ALFA-BANK 1326 13. Vozrozhdenie Bank 1439 14. Sberbank 1481 15. Timer Bank (JSC) 1581 16. SDM-Bank PJSC 1637 17. PJSC MOSOBLBANK 1751 18. Inbank, Ltd 1829 19. FORA-BANK 1885 20. Joint stock Company commercial bank Lanta-Bank 1920 21. CREDIT BANK OF MOSCOW 1978 22. Peresvet Bank (PJSC) 2110 23. Cetelem Bank Llc 2168 24. Bank Otkritie Financial Corporation (Public Joint-Stock Company) 2209 25. TRANSKAPITALBANK 2210 26. Banca Intesa 2216 27. QIWI Bank (JSC) 2241 28. PJSC MTS Bank 2268 29. PJSC ROSBANK 2272 30. PJSC BANK URALSIB 2275 31. JSC Russian Standard Bank 2289 32. Absolut Bank (PAO) 2306 33. -
Ecommerce Connectors Overview
eCommerce Connectors Overview Global Coverage September 24th, 2021 Global Coverage eCommerce Connectors Overview eCommerce Connectors Overview The eCommerce Connectors Overview is an alphabetical listing of all the connectors in the ACI global network. Card acquirers are listed first, followed by alternative payment methods. Listings include each connector’s main office location(s). Card Acquirers CONNECTOR NAME FINANCIAL LICENSES ISSUED IN Absa Bank | Absa Bank Limited South Africa Abu Dhabi Islamic Bank | Abu Dhabi Islamic Bank (ADIB) United Arab Emirates [UAE] acquiring.com | Trust Payments (Malta) Limited United Kingdom [UK] AIB Merchant Services | First Merchant Processing (Ireland) DAC Ireland Al Rajhi Bank | Al Rajhi Bank Saudi Arabia Alfa Bank, OJSC Russia Aman Bank Libya American Express | American Express International Inc. United States of America [USA] American Express Company (KSA) Saudi Arabia ANZ Bank | Australia and New Zealand Banking Group Limited Australia Arab African International Bank (AAIB) Egypt Arab National Bank Saudi Arabia Atlas Banka AD Montenegro Bambora | Bambora AB Sweden Banco Bilbao Vizcaya Argentaria (BBVA) Spain Banco de Oro, BDO Unibank, Inc. Philippines Banco Nacional Ultramarino (BNU) Macau Banco Sabadell | Banco de Sabadell, S.A. Spain Bank AlJazira | Bank Al Jazira Saudi Arabia Bank Asya Turkey Bank Audi Lebanon Bank Central Asia (BCA) Indonesia Bank Denamon Indonesia Bank Frick & Co. AG | Ceevo Financial Services (Malta) Limited Liechtenstein Bank Internasional Indonesia (BII) Indonesia Bank Islam Malaysia Berhad (BIMB) Malaysia Bank Muscat Oman Bank of America Merchant Services United States of America [USA] Bank of New Zealand New Zealand Bank of Queensland Australia Bank of the Philippines Islands (BPI) Philippines © September 24th, 2021 ACI Worldwide. -
MOBILE Payments Market Guide 2013
MOBILE PAYMENTS MARKET GUIDE 2013 INSIGHTS IN THE WORLDWIDE MOBILE TRANSACTION SERVICES ECOSYSTEM OVER 350 COMPANIES WORLDWIDE INSIDE Extensive global distribution via worldwide industry events As the mobile payments ecosystem is becoming increasingly more crowded and competitive, the roles of established and new players in the mobile market is shifting, with new opportunities and challenges facing each category of service providers. Efma, the global organization that brings together more than 3,300 retail financial services companies from over 130 countries, welcomes the publication of the Mobile Payments Market Guide 2013 by The Paypers as a valuable source of information and guidance for all actors in the mobile transaction services space. Patrick Desmarès - CEO, Efma MOBILE PAYMENTS MARKET GUIDE 2013 INSIGHTS IN THE WORLDWIDE MOBILE TRANSACTION SERVICES ECOSYSTEM Authors Ionela Barbuta Sabina Dobrean Monica Gaza Mihaela Mihaila Adriana Screpnic RELEASE | VERSION 1.0 | APRIL 2013 | COPYRIGHT © THE Paypers BV | ALL RIGHTS reserved 2 MOBILE PAYMENTS MARKET GUIDE 2013 INTRODUCTION Introduction You are reading the Mobile Payments Market Guide 2013, a state- se and the way commerce is done. From a quick and accessible of-the-art overview of the global mobile transaction services channel for banking on the move to a sophisticated tool for shop- ecosystem and the most complete and up-to-date reference ping, price comparison and buying, the saga of the mobile device source for mobile payments, mobile commerce and mobile is an on-going story that unfolds in leaps and bounds within a banking-related information at global level. This guide is published progressively crowded (and potentially fragmented) ecosystem. -
U.S.$ 2,500,000,000 Programme for the Issuance of Loan Participation Notes to Be Issued By, but with Limited Recourse To, Russian Standard Finance S.A
U.S.$ 2,500,000,000 Programme for the Issuance of Loan Participation Notes to be issued by, but with limited recourse to, Russian Standard Finance S.A. for the sole purpose of financing loans to Joint Stock Company "Russian Standard Bank" Under the Programme for the Issuance of Loan Participation Notes (the "Programme") described in this base prospectus (the "Base Prospectus"), Russian Standard Finance S.A., a public limited liability company (société anonyme) established under the laws of the Grand Duchy of Luxembourg whose registered office is at 2, Boulevard Konrad Adenauer, L-1115 Luxembourg, registered with the Register of Commerce and Companies of Luxembourg under number B 107.255 (the "Issuer"), subject to compliance with all relevant laws, regulations and directives, may from time to time issue loan participation notes (the "Notes") on the terms and conditions set out herein, as such terms and conditions are supplemented by a final terms (each a "Final Terms") for each issue or in a separate prospectus specific to such issue (the "Drawdown Prospectus") as described under "Supplemental Base Prospectus and Drawdown Prospectus" below. In the case of Notes which are the subject of a Drawdown Prospectus, each reference in this Base Prospectus to information being specified or identified in the relevant Final Terms shall be read and construed as a reference to such information being specified or identified in the relevant Drawdown Prospectus unless the context requires otherwise. The aggregate principal amount of Notes outstanding under the Programme will not at any time exceed U.S.$ 2,500,000,000 (or the equivalent in other currencies). -
Russian Standard Finance15.Pdf
A13.4.1 A13.4.5 A13.4.9 A7.1.1 U.S.$200,000,000 A13.1.1 8.875 per cent. Loan Participation Notes due 2015 with an interest rate step up in 2010 A9.1.1 issued by, but with limited recourse to, A9.4.1.1 Russian Standard Finance S.A. for the sole purpose of financing a subordinated loan to Closed Joint Stock Company RUSSIAN STANDARD BANK Issue Price: 100 per cent. Russian Standard Finance S.A. (the “Issuer”), is issuing an aggregate principal amount of U.S.$200,000,000 8.875 per cent. Loan Participation Notes due 2015 with an interest rate step up in 2010 (the “Notes”) issued by, but with limited recourse to, Russian Standard A13.4.2 Finance S.A. (the “Issuer”) for the sole purpose of financing a subordinated loan (the “Subordinated Loan”) to Closed Joint Stock Company Russian Standard Bank (“RSB”) on the terms of a subordinated loan agreement dated 14 December 2005 (the “Subordinated Loan Agreement”) between the Issuer and RSB. The Notes will be constituted by, be subject to, and have the benefit of, a trust deed to be dated 16 December 2005 (the “Trust Deed”) between the Issuer and Deutsche Trustee Company Limited as trustee (the “Trustee”) for the benefit A13.4.11 of the Noteholders (as defined in the Terms and Conditions of the Notes). In the Trust Deed, the Issuer will charge, in favour of the Trustee, by way of a first fixed charge as security for its payment obligations in respect of the Notes and under the Trust Deed, certain of its rights and interests under the Subordinated Loan Agreement and the Account (as defined in the Trust Deed). -
World Bank Document
A PARTNER OF CHOICE FOR RUSSIAN COMPANIES Global expertise Public Disclosure Authorized Local know-how We Help Our Clients Succeed In a Changing World IFC in Russia Russia became a member of IFC in 1993. Over the past 17 years, IFC’s investment in Russia has totaled $5.3 billion, including $1.5 billion in syndicated loans, in 217 projects across a variety of sectors. Our current committed investment portfolio in Russia is $2.24 billion, which makes it the fourth largest country exposure for IFC globally. Our investments support key sectors, including financial services, infrastructure, manufacturing, oil, gas and mining, telecommunications and information technologies, agribusiness, retail, and health care. In FY10, IFC invested $770 million in Russia, and our commitments in FY09 were $512 million. IFC’s commitment to the long term success of our clients IFC clients benefit from a broad range of advisory services which help support their long term growth. We provide technical expertise to Russian companies on better production, management and financial risk mitigation, and help link them as efficient suppliers to larger producers. We advise Russian companies and banks on corporate governance and environmental and social issues to help Public Disclosure Authorized them grow their businesses and make them more attractive to investors. We work with Russian banks to introduce new product lines such as financing for energy efficiency and renewable energy projects, and to improve risk management and distressed asset management.. IFC’s commitment to the development of Russia’s private sector Leveraging the expertise of the World Bank Group, IFC has developed strong working partnerships with government agencies, NGOs and key private sector stakeholders to strengthen regulatory foundations and relevant laws that govern private sector development and improve Russia’s business environment, particularly for small and medium enterprises and energy efficient investments of Russian companies. -
IPG Global Processors List
2 IBM PAYMENTS GATEWAY ALL ACQUIRERS AND PROCESSORS LISTED IN THIS DOCUMENT ARE INCLUDED IN IBM’S BASE PRICING, EXCEPT FOR THOSE THAT ARE MARKED WITH AN ASTERISK ‘*’. ADDITIONAL CHARGES MAY APPLY FOR ACQUIRERS AND PROCESSORS MARKED WITH AN ASTERISK. IPG Payment Methods & Acquiring Partners for E-Commerce and Billing April 2017 Notes The global coverage information is IBM's best undstanding of our acquirer partners capabilities, at the point in time when the coverage document was produced. But that IBM can not guarantee the accuracy of the information, and that the individual acquirers are free to change this support, at their own discretion. American Express/Braspag¤ The availability of IBM's direct connection to American Express central processing platform and Braspag needs to be confirmed separately for each client. Please contact IBM Payment Gateway for confirmation. Americas Brazil Brazilian Real (BRL) Payment Type Payment Methods Processors & Acquirers - Price Group 1 Processors & Acquirers - Price Group 2 • Visa • American Express (Braspag)¤ • MasterCard • Aura (Braspag)¤ • Diners Club • Cielo (Braspag)¤ • Discover • Elo (Braspag)¤ • Rede • American Express • HiperCard (Braspag)¤ • Aura • Redecard (Braspag)¤ • Elo • Elavon Brazil (Credit Card Processing only) Credit cards • HiperCard • Amex SafeKey • Diners ProtectKey • Cardholder authentication (3D Secure) • MasterCard SecureCode • Verified by Visa • Braspag¤ • Merchant installments on credit cards • Elavon Brazil • Banco do Brasil • Banrisul • Bradesco Online Debit • Banco Itau -
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Advances in Economics, Business and Management Research, Volume 157 Proceedings of the 8th International Conference on Contemporary Problems in the Development of Economic, Financial and Credit Systems (DEFCS 2020) Digital Transformation of the Russian Banking Sector in Terms of Pandemic Natalya Bykanova Daria Gordya Tatiana Ten Department of Economic Innovation Department of Economic Innovation Department of Information and and Finance and Finance Computing Systems Belgorod State National Research Belgorod State National Research Karaganda Economic University of University University Kazpotrebsoyuz Belgorod, Russia Belgorod, Russia Karaganda, Kazakhstan [email protected] [email protected] [email protected] Abstract—The article discusses the issues of development environment – a lot of state and municipal services have been and implementation of digital technologies in the banking sector provided electronically. With the help of specialized sites or in the context of a pandemic. The concepts of “digitalization” mobile applications people can buy almost any goods, get and “digital transformation”, which underlie the training, have an interesting time (visit the online cinema, transformation processes of banking activity, are defined. The museum, library, meet friends and acquaintances in social authors have identified the most popular remote banking networks or messengers). channels during COVID-19 pandemic. The extent of the impact of the pandemic on the Russian banking industry and the main II. METHODS electronic banking products and services contributing to the transformation of the banking business are noted. Among the The research methodology is based on the materials of most promising are virtual and digital cards, the introduction of Russian and foreign economists on the problem under study. -
Mobile Payments
ICT Trends Digital Healthcare | Mobile Payment | Assistive Technologies | Internet of Things (IoT) 5th Generation Mobile Networks (5G) | Artificial Intelligence and Machine Learning Blockchain and Shared Ledgers | 3D Printing 5TH GENERATION MOBILE NETWORKS (5G) DIGITAL BLOCKCHAIN AND HEALTHCARE SHARED LEDGERS MOBILE 3D PAYMENT ICT Trends PRINTING INTERNET OF ASSISTIVE THINGS (IOT) TECHNOLOGIES ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ICT Trends Mobile Payments ICT Trends This work is available open access by complying with the Creative Commons license created for inter- governmental organizations, available at: http://creativecommons.org/licenses/by/3.0/igo/ Publishers must remove the United Nations emblem from their edition and create a new cover design. Translations must bear the following disclaimers: “The present work is an unofficial translation for which the publisher accepts full responsibility.” Publishers should email the file of their edition to [email protected] Photocopies and reproductions of excerpts are allowed with proper credits. Disclaimer : The views expressed herein are those of the authors, and do not necessary reflect the views of the United Nations. This publication has been issued without formal editing, and the designations employed and material presented do not imply the expression of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the status of any country, territory, city or area, or of its authorities, or concerning the delimitation of its frontiers or boundaries. Mention -
Migrant Remittances: Alternative Money Transfer Channels
Institute for International Political Economy Berlin Migrant Remittances: Alternative Money Transfer Channels Authors: Martina Metzger, Tim Riedler, Jennifer Pédussel Wu Working Paper, No. 127/2020 Editors: Sigrid Betzelt, Eckhard Hein (lead editor), Martina Metzger, Martina Sproll, Christina Teipen, Markus Wissen, Jennifer Pédussel Wu, Reingard Zimmer Migrant Remittances: Alternative Money Transfer Channels Martina Metzger ([email protected]), Professor of Monetary Economics, Berlin School of Economics and Law, Institute for International Political Economy Berlin (IPE) Tim Riedler ([email protected]), HTW University of Applied Sciences Berlin Jennifer Pédussel Wu ([email protected]), Professor of International Trade and Production, Berlin School of Economics and Law, Institute for International Political Economy Berlin (IPE) Abstract This paper first explores the role of digital financial services, e.g. mobile money systems and cryptocurrency-based systems, and their impact on the choice of migrants to send remittances. Secondly we discuss whether alternative remittances sending channels increase access to financial services for remittance-sending and remittance-receiving households. Africa, and in particularly Kenya, are pioneers in alternative money transfer systems and of tailor-made regulatory initiatives to address digital financial services. Thus, our paper focuses on the technologies of the Kenyan mobile money system, M-Pesa, and the major cryptocurrency, Bitcoin, and based on that takes into account selected experiences of other Sub-Saharan African countries. We find that in comparison to traditional remittances sending channels, mobile money transfer channels are often superior in terms of service-related features as costs of transfers for sending and receiving households, speed of delivery, availability and access to the remittances by receiving households or security of transactions. -
Top 150 Merchant Acquirers Worldwide Companies from 45 Countries Generated 342.2 Billion Purchase Transactions
ISSUE 1183 SEPTEMBER 2020 ARTICLES IN THIS ISSUE p5 Top 150 Merchant Acquirers p12 Acquiring-as-a-Service Worldwide Platform from FSS p7 Top 100 U.S. Mastercard and p13 Point of Sale Terminal Visa Issuers at Midyear Manufacturers — Part 2 p10 Buy Now, Pay Later Funding p14 Top General Purpose Deals in 2020 Credit Card Issuers in the United States at Midyear p11 PayNearMe Payment Processing TRANSACTIONS (BIL.) IN 2019 Top 150 Merchant Acquirers Worldwide Companies from 45 countries generated 342.2 billion purchase transactions. The six companies listed below accounted for 41% or 141.8 billion of those transactions. Read full article on page 5 FIS (WORLDPAY) 36.72 JPMORGAN CHASE 29.41 SBERBANK 20.61 FISERV 20.36 (FIRST DATA) BANK OF 18.56 AMERICA 16.19 GLOBAL PAYMENTS FOR 50 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE CONTENTS COVER STORY Top 150 Merchant Acquirers Outstandings for the top 10 Worldwide Acquirers headquartered in 45 countries included 32 in the U.S. issuers of Mastercard and U.S., 10 in Turkey, 7 in France, Russia, and Iran, and 5 in Brazil Visa credit cards totaled and Japan. p5 $569 bil. as of June 30, 2020, down 9.8% from June 30, 2019 Top 100 U.S. Issuers of Visa and Mastercard Credit Cards at Midyear Rankings are based on outstandings as of June 30, 2020 and on purchase volume for January 1 through June 30, 2020. Acquiring-as-a-Service Platform p7 from FSS Embark is a cloud-based managed service accessed through a single connection and integration. -
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Advances in Economics, Business and Management Research, volume 105 1st International Scientific and Practical Conference on Digital Economy (ISCDE 2019) Cash-out in trade and service networks: advantages and prospects in Russia Kremleva V.V. Dudina O.I. Ural State University of Economics Ural State University of Economics Yekaterinburg, Russia Yekaterinburg, Russia [email protected] [email protected] Necheukhina N.S. Ural State University of Economics Yekaterinburg, Russia [email protected] Abstract — It is no secret that banks incur serious costs for benefits of all participants in this process: banks, TSP, maintaining cash flow. Several bank services are involved in this customers – buyers. at once: cash desk, collection, bookkeeping. Some Russian banks have already begun testing a new service. In Russia, a new Cash- Large credit organizations Sberbank, Raffeisenbank, out service (purchase with cash) has appeared, which allows you Russian Standard Bank are testing this service. It is assumed to receive cash directly at the cash desk at trade and service that the client, paying for a product or service with his bank enterprises. There are several stakeholders in the development of card, will be able to simultaneously request at the cash desk this project: banks, trade and service enterprises (TSE), as well the necessary amount of cash within the limit established by as customers. The article discusses the advantages of this project the bank of 5,000 rubles. The bank that issued the card, in this for each of its participants, the problems of its introduction from case, will approve the purchase and issue of cash by a technological and legal point of view.