Digital Payment Apps Primarily Led by Banks (E.G., Sberbank in Russia, Digitale Karten in Germany, TWINT in Switzerland) Have Been Excluded from This Report
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The Future of Financial Services: How Work Is Impacted by the Connection and Convergence of People and Technology
The future of financial services: how work is impacted by the connection and convergence of people and technology 1 willistowerswatson.com Select Article Foreword Mary O’Connor, Head of Client, Industry and Business Development and Global Head of Financial Institutions, Willis Towers Watson The future of work in financial institutions 1 Ravin Jesuthasan, Managing Director and Global Practice Leader, Talent and Reward, Willis Towers Watson The algorithmic future of regulation 2 Professor Philip Treleaven, Director of the UK Centre for Financial Computing & Analytics and Professor of Computing at University College London (UCL) Using technology to help rebuild trustworthiness the insurance industry 3 Jagdev Kenth, Director of Risk & Regulatory Strategy, Financial Institutions Group and Grace Watts, Executive, Global Industries, Willis Towers Watson 4 Redefining negotiation: a social process in which we can all excel Ali Gill, board reviewer, psychologist and coach specialising in board effectiveness, behaviour and culture Game on: the potential for gamification in asset management 5 David Bird, Head of Proposition Development, LifeSight, Willis Towers Watson The future of leadership 6 Gemma Harding and Hannah Mullaney, Managing Consultant, Saville Assessment The future of wellness programmes 7 Rebekah Haymes, Senior Consultant and Gaby Joyner, Director, Willis Towers Watson Cyber risk: it’s a people problem, too 8 Adeola Adele, Director, Integrated Solutions & Thought Leadership, Global Cyber Risk and Michael O’Connell Head of Financial -
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. -
Online Money Transfer Terms and Conditions Mobile Application
ONLINE MONEY TRANSFER SERVICES – TERMS AND CONDITIONS FOR CARD-TO-CASH & CARD-TO-CARD TRANSACTIONS Latest Version issued on: 21st of July 2021 The use of the KORONAPAY EUROPE Mobile Application, is governed by the present Terms and Conditions. Carefully read and understand Our Terms and Conditions before You accept them. By downloading the App and making use of the Services provided on it, you declare being aware of the present Terms and Conditions and having accepted them. 1. These Terms and Conditions 1.1 These Terms and Conditions apply to Your access and govern the use of the Services available in the KORONAPAY EUROPE Mobile Application and the KORONAPAY EUROPE Website Page and constitute a contractual offer between KORONAPAY EUROPE (hereafter referred as “Us/Our/We”) and the User or Sender (hereafter referred as “You/Yours/User”). 1.2 These Terms and Conditions tell You who We are, how We will provide the Services to You, how these Terms and Conditions may be changed or terminated and also provide information on the scope of our obligations to You, as well as limitations and exemptions from our liability to You for damage that You may suffer as a result of using Our Services. 1.3 You accept these Terms and Conditions and You hereby declare and expressly recognize that You have carefully read, understood and explicitly agreed with the content of all the Terms and Conditions version applicable on the day of acceptance by completing the information required to make a money transfer and pressing the ‘Send’ button on the App or the Website confirming acceptance of these Terms and Conditions and of Our Privacy Policy Your acceptance of these Terms and Conditions and the version of these Terms and Conditions thus accepted by You are kept and archived by Us in our computer systems in a tamper proof, safe and reliable manner. -
Schedule of Investments November 30, 2020 (Unaudited)
GOLDMAN SACHS EQUAL WEIGHT U.S. LARGE CAP EQUITY ETF Schedule of Investments November 30, 2020 (Unaudited) Shares Description Value Shares Description Value Common Stocks – 99.8% Common Stocks – (continued) Communication Services – 5.3% Consumer Discretionary – (continued) 10,210 Activision Blizzard, Inc. $ 811,491 11,013 D.R. Horton, Inc. $ 820,468 462 Alphabet, Inc., Class A* 810,533 20,791 DraftKings, Inc., Class A*(a) 1,088,617 462 Alphabet, Inc., Class C* 813,462 16,903 eBay, Inc. 852,418 28,271 Altice USA, Inc., Class A* 958,952 5,977 Etsy, Inc.* 960,504 29,863 AT&T, Inc. 858,561 8,123 Expedia Group, Inc. 1,011,232 434 Cable One, Inc. 859,611 104,432 Ford Motor Co. 948,243 92,741 CenturyLink, Inc. 969,143 7,293 Garmin Ltd. 851,531 1,275 Charter Communications, Inc., Class A* 831,287 22,939 General Motors Co. 1,005,646 18,388 Comcast Corp., Class A 923,813 8,360 Genuine Parts Co. 822,373 6,474 Electronic Arts, Inc.* 827,053 9,720 Hasbro, Inc. 904,252 2,847 Facebook, Inc., Class A* 788,534 8,497 Hilton Worldwide Holdings, Inc. 880,544 6,248 IAC/InterActiveCorp* 887,153 2,853 Home Depot, Inc. (The) 791,451 5,448 Liberty Broadband Corp., Class C* 857,243 15,994 Las Vegas Sands Corp. 891,026 6,389 Match Group, Inc.* 889,413 10,319 Lennar Corp., Class A 782,799 1,623 Netflix, Inc.* 796,406 4,798 Lowe’s Cos., Inc. 747,624 17,002 Omnicom Group, Inc. -
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. -
Compilation of Typological Studies Conducted in 2017
TYPOLOGICAL STUDIES OF THE STATE FINANCIAL MONITORING SERVICE OF UKRAINE 2017 The State Financial Monitoring Service of Ukraine State Financial Monitoring Service of Ukraine State Institution of Post-Graduate Education “Academy of Financial Monitoring” TYPOLOGICAL STUDIES OF THE STATE FINANCIAL MONITORING SERVICE OF UKRAINE 2017 Kyiv 2018 Recommended by the Inter-branch Scientific and Methodical Council of the State Institution of Post- Graduate Education “Academy of Financial Monitoring” (Protocol of 29.01.2018 № 1) Publication and translation into English was made with the assistance of the European Union Anti- Corruption Initiative (EUACI) Typological Stydies of the State Financial Service of Ukraine for 2017– K., 2018. – 148 p. The publication deals with the most common trends and shemes of money laundering and terrorist financing in 2017. In particular, examples of real cases of money laundering and terrorist financing associated with the risks of cash use and the risks of terrorism and separatism are given. Typological studies include information on the results of the work of state authorities – participants of the national financial monitoring system. The publication is designed for employees of reporting entities and state financial monitoring entities, law enforcement, intelligence and judicial authorities, as well as scientists and practitioners in the area of financial monitoring. TYPOLOGICAL STUDIES OF THE STATE FINANCIAL MONITORING SERVICE OF UKRAINE CONTENTS Foreword of the Head of the State Financial Monitoring Service of Ukraine Mr. Igor Cherkaskyi . 8 PART I. RISKS OF CASH USE . .11 INTRODUCTION TO THE FIRST PART . .12 SECTION І. USE OF CASH IN UKRAINIAN ECONOMY. GENERAL OVERVIEW . 17 1.1. Overview of cash market trends in Ukrainian economy . -
Participant List
Participant List 10/20/2019 8:45:44 AM Category First Name Last Name Position Organization Nationality CSO Jillian Abballe UN Advocacy Officer and Anglican Communion United States Head of Office Ramil Abbasov Chariman of the Managing Spektr Socio-Economic Azerbaijan Board Researches and Development Public Union Babak Abbaszadeh President and Chief Toronto Centre for Global Canada Executive Officer Leadership in Financial Supervision Amr Abdallah Director, Gulf Programs Educaiton for Employment - United States EFE HAGAR ABDELRAHM African affairs & SDGs Unit Maat for Peace, Development Egypt AN Manager and Human Rights Abukar Abdi CEO Juba Foundation Kenya Nabil Abdo MENA Senior Policy Oxfam International Lebanon Advisor Mala Abdulaziz Executive director Swift Relief Foundation Nigeria Maryati Abdullah Director/National Publish What You Pay Indonesia Coordinator Indonesia Yussuf Abdullahi Regional Team Lead Pact Kenya Abdulahi Abdulraheem Executive Director Initiative for Sound Education Nigeria Relationship & Health Muttaqa Abdulra'uf Research Fellow International Trade Union Nigeria Confederation (ITUC) Kehinde Abdulsalam Interfaith Minister Strength in Diversity Nigeria Development Centre, Nigeria Kassim Abdulsalam Zonal Coordinator/Field Strength in Diversity Nigeria Executive Development Centre, Nigeria and Farmers Advocacy and Support Initiative in Nig Shahlo Abdunabizoda Director Jahon Tajikistan Shontaye Abegaz Executive Director International Insitute for Human United States Security Subhashini Abeysinghe Research Director Verite -
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. -
Journal 2428
Iris um Oifig Maoine Intleachtúla na hÉireann Journal of the Intellectual Property Office of Ireland Iml. 96 Cill Chainnigh 06 January 2021 Uimh. 2428 CLÁR INNSTE Cuid I Cuid II Paitinní Trádmharcanna Leath Leath Official Notice 1 Official Notice 1 Applications for Patents 3 Applications for Trade Marks 3 Patents Granted 4 Oppositions under Section 43 68 European Patents Granted 5 Application(s) Withdrawn 68 Applications Withdrawn, Deemed Withdrawn or Trade Marks Registered 69 Refused 151 Trade Marks Renewed 69 Request for Grant of Supplementary Protection Application(s) for Leave to Alter Registered Certificate 167 Trade Mark(s) 71 Supplementary Protection Certificate Withdrawn 168 Leave to Alter Registered Trade Mark(s) Supplementary Protection Certificate Rejected 168 Granted 71 Application for Extension of the Duration of a International Registrations under the Madrid Supplementary Protection Certificate 169 Protocol 72 Errata 170 International Trade Marks Protected 93 Cancellations effected for the following goods/services under the Madrid protocol 95 Dearachtaí Designs Information under the 2001 Act Designs Registered 171 The Journal of the Intellectual Property Office of Ireland is published fortnightly. Each issue is freely available to view or download from our website at www.ipoi.gov.ie © Rialtas na hÉireann, 2021 © Government of Ireland, 2021 1 (06/01/2021) Journal of the Intellectual Property Office of Ireland (No. 2428) Iris um Oifig Maoine Intleachtúla na hÉireann Journal of the Intellectual Property Office of Ireland Cuid I Paitinní agus Dearachtaí No. 2428 Wednesday, 6 January, 2021 NOTE: The office does not guarantee the accuracy of its publications nor undertake any responsibility for errors or omissions or their consequences. -
3858 Naspers Investor Briefing Briefing Book 2015 Proof 4C.Indd
% Investor briefi ng book Financial results for the year ended 31 March 2015 CONTENTS click on each subject matter below % Financials Internet Video entertainment Outlook Appendix % MAIL PRINT Financials Commentary Important information This presentation contains forward-looking statements as defined in the United States Private Securities Litigation Reform Act of 1995. Words such as “believe”, “anticipate”, “intend”, “seek”, “will”, “plan”, “could”, “may”, “endeavour” and similar expressions are intended to identify such forward-looking statements, but are not the exclusive means of identifying such statements. While these forward-looking statements represent our judgments and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. These include key factors that could adversely affect our businesses and financial performance. We are not under any obligation to (and expressly disclaim any such obligation to) update or alter our forward-looking statements whether as a result of new information, future events or otherwise. Investors are cautioned not to place undue reliance on any forward-looking statements contained herein. 2 FY15: Synopsis of financials Revenue, on an economic interest basis, grew by 26%. Revenue* (ZARbn) Development spend* (ZARbn) Internet was the fastest growing Mar 14 Mar 15 at 37% YoY. 26% 33% Development spend, also on 132.45 10.74 an economic interest basis, 104.98 8.10 increased 33% (7% diven by forex). Increase driven by Core HEPS (ZAR) DPS (ZAR) ecommerce (mainly etail) and DTT. 28% 11% Core headline earnings +30% 27.82 and core headline earnings per 4.70 21.81 4.25 share +28%, driven by a solid performance by * Based on economic interest, i.e. -
Koronapay Money Transfer (Money Transfer Service Agreement) (The Offer)
Agreement effective as of the 1st of December 2018 KoronaPay Money Transfer (Money Transfer Service Agreement) (the Offer) 1. GENERAL PROVISIONS This agreement named KoronaPay Money Transfer (Money Transfer Service Agreement) (hereinafter referred to as the “Offer”) is a public offering of the Credit Union “Payment Center” (Limited Liability Company), CBR License No. 3166-К dated April 14, 2014 hereinafter referred to as the “Payment Center”, to legal entities (including foreign banks and companies) entitled to perform money transfer transactions (as part of banking business, inter alia) in accordance with the law of country of their origination (incorporation) to enter into an agreement acting as a Company. Hereinafter the Payment Center and the Company shall be collectively referred to as the “Parties” and separately as the “Party”. This Offer contains all terms of the executed agreement. Accedence to the Offer (signing the agreement hereunder) shall be performed by signing the Agreement on accession in accordance with article 428 of the Civil Code of the Russian Federation. The offer shall be valid until it is withdrawn by the Payment Center. The Offer is placed in the Internet at www.rnko.ru. This Offer incorporates Supplements, including Tariffs and Rules of the Service as integral parts. General provisions of the Offer constitute a Framework Cooperation Agreement determining obligations of the Parties upon provision of money transfer services to Clients (hereinafter – Framework Agreement) that may be clarified and specified by the Parties in separate agreements (including Rules of the Service in case it is stated that Service Rules are a separate agreement), applications or otherwise (in case provided for by the Offer) under or in compliance with the Framework Agreement (including, by acceding to the Service Rules if corresponding Service Rules provide for signing Service Rules as a separate agreement). -
E-Commerce Markets
Payment Preferences for the 12 Largest Cross-Border E-commerce Markets 1. CHINA Charge & Pre-paid card6 deferred debit 5 1% 4% Cash on delivery 1% card 6% Bank transfers4 E-commerce Market Credit/debit 16% 3 cards $1.94 1 Alternative payments2 Trillion Tenpay, Alipay, Union Pay, WeChat Pay, QQ 71% Wallet, Baidu Wallet 2. UNITED STATES 1% Postpay13 12 3.2% Cash on delivery 3.4% Other14 5.9% Bank transfers11 Credit/debit cards Visa, MasterCard, 52% American Express8 Deferred E-commerce Market charge & 10.5% 10 debit cards $602 Billion7 Alternative payments PayPal, Apple Pay, Amazon 24% Pay, Google Pay9 3. UNITED KINGDOM 5% Direct debit 3% Bank transfers 7% Other Credit/debit 7% Cash on delivery E-commerce Market 53% cards16 $226 Billion15 Alternative payments PayPal, Google Pay, Amazon 25% Pay, Apple Pay 4. JAPAN 2% Buy now pay later22 2% Deferred charge card 4% Cash on delivery Alternative 1% Pre-paid card payments Yahoo! Wallet, Rakuten E-commerce Market Wallet, Suica, 7% 21 PayPal $166 8% Bank transfer20 Billion17 Credit/Debit Cards: American Express, 16% Post-pay19 60% Mastercard, Visa18 5. GERMANY 2% Other 2% Pre-paid cards27 4% Cash on delivery Bank transfer24 Giropay, SOFORT Deferred charge 28% 9% cards E-commerce Market Credit/debit 12% cards $81 23 Billion Alternative Buy now pay later payments25 PayPal, RatePAY, Klarna, Google Pay, 18% Affirm26 25% Paydirekt 6. SOUTH KOREA Virtual bank Carrier transfer 3.1% billing 3.2% Alternative payments kakaopay, Samsung Pay, 35.8% 29 12.8% Bank transfer UnionPay, NPay International E-commerce Market credit/debit cards VISA, Mastercard, $66 15.4% 28 AMEX Billion Local credit/debit 29.7% cards 7.