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Merchants Where Online Debit Card Transactions Can Be Done Using ATM/Debit Card PIN Amazon IRCTC Makemytrip Vodafone Airtel Tata
Merchants where online Debit Card Transactions can be done using ATM/Debit Card PIN Amazon IRCTC Makemytrip Vodafone Airtel Tata Sky Bookmyshow Flipkart Snapdeal icicipruterm Odisha tax Vodafone Bharat Sanchar Nigam Air India Aircel Akbar online Cleartrip Cox and Kings Ezeego one Flipkart Idea cellular MSEDC Ltd M T N L Reliance Tata Docomo Spicejet Airlines Indigo Airlines Adler Tours And Safaris P twentyfourBySevenBooking Abercrombie n Kent India Adani Gas Ltd Aegon Religare Life Insur Apollo General Insurance Aviva Life Insurance Axis Mutual Fund Bajaj Allianz General Ins Bajaj Allianz Life Insura mobik wik Bangalore electricity sup Bharti axa general insura Bharti axa life insurance Bharti axa mutual fund Big tv realiance Croma Birla sunlife mutual fund BNP paribas mutural fund BSES rajdhani power ltd BSES yamuna power ltd Bharat matrimoni Freecharge Hathway private ltd Relinace Citrus payment services l Sistema shyam teleservice Uninor ltd Virgin mobile Chennai metro GSRTC Club mahindra holidays Jet Airways Reliance Mutual Fund India Transact Canara HSBC OBC Life Insu CIGNA TTK Health Insuranc DLF Pramerica Life Insura Edelweiss Tokio Life Insu HDFC General Insurance IDBI Federal Life Insuran IFFCO Tokio General Insur India first life insuranc ING Vysya Life Insurance Kotak Mahindra Old Mutual L and T General Insurance Max Bupa Health Insurance Max Life Insurance PNB Metlife Life Insuranc Reliance Life Insurance Royal Sundaram General In SBI Life Insurance Star Union Daiichi Life TATA AIG general insuranc Universal Sompo General I -
Payments in Poland 2017
Payments in Poland, 2017 Selected pages from the original report by Inteliace Research October 2017 Version: 17.c Table of contents Executive Summary 3. Retail landscape (merchants) and payment methods Slide 23: Brick&mortar (b&m) vs. online retail landscape, 2015-2017 1. Payments in Poland and in Europe Slide 24: Key payments methods available in B&M and in online retail, 2017 Slide 1: Consumer markets in Europe, 2016 Slide 25: Survey on payment methods in 72 large online stores, Oct. 2017 Slide 2: Total payments in Poland, structure by type, 2012-2016 Slide 26: Online merchants & payment methods– case (1/3): Allegro Slide 3: Total payments: Europe vs. Poland, structure by type, 2016 Slide 27: Online merchants & payment methods– case (2/3): RTVEuroAGD Slide 4: Card payment volumes in Europe & in Poland (1/2), 2014-2016 Slide 28: Online merchants & payment methods– case (3/3): empik.com Slide 5: Card payment volumes in Europe & in Poland (2/2), 2016 Slide 29: Key players in specialized mobile payments (parking, public /municipal transportation, regional railways), 2017 2. Payments and payment infrastructure in Poland Slide 30: Use of payment cards as tickets in public transport Slide 6: Card payments in Poland, 2012-2017F Slide 31: Block chain technology & bitcoin in Poland: Exchanges, bitcoin Slide 7: POS infrastructure evolution in Poland, 2012-2017F acquirers, merchants, 2017 2017 Poland, in Payments Slide 8: Cards/terminals in Poland by functionality, 2Q2015-2Q2017 Slide 9: ATM networks in Poland, 2012-2017H1 Slide 10: ATM cash withdrawals -
Statement of Account
Page No .: 1 Account Branch : HINJAWADI Address : SURVEY NO 244/3 4 5, RAJIV GANDHI INFOTECH PARK, NR TATA JOHNSON CONTROLS, MR. VIKAS VILAS GUNDEWAR City : PUNE 411057 State : MAHARASHTRA IBM INDIA LTD Phone no. : 020-61606161 EMBASSY TECH ZONE BLOCK 1 3/CONGO OD Limit : 0.00 RAGIV GANDHI INFOTECH PARK HINJEWAD Currency : INR Email : [email protected] PUNE 411057 Cust ID : 57679401 MAHARASHTRA INDIA Account No : 50100064376582 POTENTIAL A/C Open Date : 07/03/2015 JOINT HOLDERS : Account Status : Regular RTGS/NEFT IFSC: HDFC0000794 MICR : 411240018 Branch Code : 794 Product Code : 113 Nomination : Not Registered From : 01/12/2018 To : 24/01/2019 Statement of account Date Narration Chq./Ref.No. Value Dt Withdrawal Amt. Deposit Amt. Closing Balance 01/12/18 UPI-00000033981657454-KADAMAKSHAY0609199 0000833511316354 01/12/18 700.00 80,198.91 4-2@OKSBI-833511732270-UPI 02/12/18 POS 436303XXXXXX5421 AMAZON PAY INDIA PO 0000833618562939 02/12/18 133.40 80,065.51 S DEBIT 02/12/18 UPI-19744201000007-ADD-MONEY@PAYTM-83364 0000833616221735 02/12/18 1,207.00 78,858.51 0061229-OID6674285046@PAYTM 02/12/18 UPI-7211944321-RAJPALREDDY222@OKHDFCBANK 0000833619577058 02/12/18 10,000.00 88,858.51 -PAY-833619000984-PAY BACK 04/12/18 UPI-19744201000007-ADD-MONEY@PAYTM-83383 0000833813198618 04/12/18 150.00 88,708.51 7221066-OID6690236203@PAYTM 05/12/18 UPI-19744201000007-ADD-MONEY@PAYTM-83393 0000833914697379 05/12/18 30.00 88,678.51 8487341-OID6699231984@PAYTM 05/12/18 UPI-19744201000007-ADD-MONEY@PAYTM-83393 0000833914700771 05/12/18 1,000.00 -
India Fintech Sector a Guide to the Galaxy
India FinTech Sector A Guide to the Galaxy G77 Asia Pacific/India, Equity Research, 22 February 2021 Research Analysts Ashish Gupta 91 22 6777 3895 [email protected] Viral Shah 91 22 6777 3827 [email protected] DISCLOSURE APPENDIX AT THE BACK OF THIS REPORT CONTAINS IMPORTANT DISCLOSURES, ANALYST CERTIFICATIONS, LEGAL ENTITY DISCLOSURE AND THE STATUS OF NON-US ANALYSTS. U.S. Disclosure: Credit Suisse does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the Firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. Contents Payments leading FinTech scale-up in India .................................. 8 8 FinTechs: No longer just payments ..............................................14 Account Aggregator to accelerate growth of digital lending ...............................................................................22 Digital platforms and partnerships driving 50-75%of bank business ...28 Company section ..........................................................................32 PayTM (US$16 bn) ......................................................................33 14 Google Pay ..................................................................................35 PhonePe (US$5.5 bn) ..................................................................37 WhatsApp Pay .............................................................................39 -
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. -
Fintech Newsletter: Recent Legal Developments and Market Updates in India
FINTECH NEWSLETTER: RECENT LEGAL DEVELOPMENTS AND MARKET UPDATES IN INDIA October 16 – December 31, 2020 Authors: Avimukt Dar | Suneeth Katarki | Namita Viswanath Shreya Suri | Shobhika Upadhyay | Nilima Pant | Shantanu Mukul 01 of 11 INTRODUCTION The Indian fintech market has continued to grow and In addition to the overall goal of a cashless economy evolve, with the Covid-19 pandemic accelerating through adoption of digital payment methods, there digitisation amongst consumers, micro, small and has been an increased focus on aspects such as medium enterprises (“MSMEs”), banks and other financial contactless payments, interoperability in payment institutions, including in rural and remote parts of India. systems, tokenization, development of cross-border First-time user cohorts who were constrained to transact digital payments infrastructure, global outreach of digitally during government-imposed lockdowns early India’s domestic payment systems, consumer protection, last year, have taken to using digital payment options in increased role of artificial intelligence and machine a big way, post the lockdown relaxations. In fact, more learning, and data governance. than two billion transactions were recorded in October, 2020 just through the Unified Payments Interface This newsletter highlights the key developments in the (“UPI”).1 Certain consumer behavioural changes with Indian fintech space from October 16, 2020 to December the recent pandemic, such as growth in the e-commerce 31, 2020. sector, teleconsultations, online streaming and -
Digital Payment Abhiyan Is Reaching out to All Corners of India Spreading Awareness on the Safety and Security Aspects of Digital Payments
Digital Payment Abhiyan is reaching out to all corners of India spreading awareness on the safety and security aspects of Digital Payments February 11, New Delhi: Digital Payment Abhiyan – a multilingual pan India campaign by Data Security Council of India (DSCI), in collaboration with Ministry of Electronics and Information Technology (MeitY) and Google India, spreading awareness on the safety and security aspects of Digital Payments – has reached out to 25 million individuals till date. The campaign has been rightfully reaching out to citizens from Tier II & Tier III cities as well as the urban population. Some of the locations with maximum outreach impact, as of now, remains Patna, Lucknow, Indore, Bengaluru, Hyderabad, Pune, Delhi, Jaipur, Chennai and Ahmedabad. Users across all age groups have been touched upon by the awareness campaign with 60% of the users being in the age group of 18-35 and gender participation has been well balanced with a 54:46 male: female ratio. The campaign content comprises of various awareness and fraud safety films, payment best practices, brochure, posters, payment fraud safety infographics, and more are being broadcast through digital mediums. The primary campaign content is available in Hindi, English, Tamil, Telugu, Bengali, Marathi and Kannada and the payment mediums chosen for awareness are UPI, Credit & Debit Card, Digital Wallet and Online & Mobile Banking. The campaign collaterals can be accessed at: www.dsci.in/digital-payment-abhiyan Digital Payment Abhiyan’s outreach success has been enabled by a broad cross-section of ecosystem partners who have all joined hands to spread the message. Airtel Payments Bank, Axis Bank, BharatPe, CID Karnataka, Google Pay, Government of Telangana, HDFC Bank, ICICI Bank, iMahila, MasterCard, NABARD, National Payments Corporation of India (NPCI), PayPal, Paytm Payments Bank Limited, PayU, State Bank of India (SBI) and VISA have come on board as campaign partners. -
Guidelines for Adoption of Electronic Payments and Receipts (EPR)
Document No: EPR: 01 Version: 1.0 November, 2016 Guidelines for Adoption of Electronic Payments and Receipts (EPR) Government of India Ministry of Electronic and Information Technology (MeitY) New Delhi –110003 Guidelines for Adoption of Electronic Payments and Receipts (EPR) Metadata of Document Framework for Electronic Payments and Receipts S. No. Data elements Values 1. Title Guidelines for Adoption of Electronic Payments and Receipts (EPR) 2. Title Alternative EPR 3. Document Identifier EPR:01 4. Document Version, month, year of Version 1, Nov 2016 release 5. Present Status Approved by Secretary Ministry of Communication & IT 6. Publisher Ministry of Electronics and Information Technology (MeitY), Government of India (GoI) 7. Date of Publishing Nov 2016 8. Type of Standard Document Guidelines ( Policy / Technical Specification/ Best Practice /Guidelines/ Framework/ Process) 9. Enforcement Category Recommended ( Mandatory/ Recommended) 10. Creator Ministry of Electronics and Information Technology (An entity primarily responsible for making (MeitY), Government of India (GoI) the resource) 11. Contributor Ministry of Electronics and Information Technology (An entity responsible for making (MeitY) and Controller General of Accounts (CGA) contributions to the resource) 12. Brief Description The Guidelines for Adoption of Electronic Payments and Receipts (EPR)of Government of India aims to harness the potential of electronic cashless payments platforms for various Payments or Receipts handled by Departments / Institutions. 13. Target Audience State Governments, Govt. of India Autonomous Bodies, (Who would be referring / using the Central Public Sector Undertakings and Municipalities document) 14. Owner of approved standard MeitY, New Delhi Version: 01 Page 2 of 39 Guidelines for Adoption of Electronic Payments and Receipts (EPR) S. -
Group Overview Performance Review Sustainability Review Governance Financial Statements Further Information
03 Prosus annual report 2020 Group overview Performance review Sustainability review Governance Financial statements Further information Group overview Contents 04 About this report 06 Directors’ report 12 Statement of responsibility by the board of directors 13 Group overview 14 Responding to Covid-19 16 Backing local; building global 17 Building long-term partnerships 18 Building positive impact around the world 19 Delivering sustainable value throughout the year 19 Our business model 20 Value creation this year 21 Chair’s review 23 Chief executive’s review 26 The world around us 29 Engaging our stakeholders 32 Capital allocation strategy We partner with entrepreneurs to empower people and enrich communities 04 Prosus annual report 2020 Group overview Performance review Sustainability review Governance Financial statements Further information About this report This annual report assesses our performance for the financial year ended 31 March 2020. We aim to provide a picture of our progress and impact on society. Our purpose Who we are Our approach Managed on Creating a Sustainability Reporting From India to Russia, We are a global We think global but strong foundations positive impact We are committed Central and Eastern Europe, consumer internet group often back local teams. We understand the risks Delivering performance to operating as a In line with best practice the Middle East, Africa and one of the largest We rigorously manage we take and try to manage and value for all sustainable business for integrated reporting, and Brazil – well over technology investors our assets and capital these to minimise their our stakeholders. that makes a lasting we report on the six a billion people around in the world. -
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. -
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 -
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.