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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. -
National Financial Inclusion Strategy
National Financial Inclu sion Strategy Summary Report Abuja, 20 January 2012 Financial Inclusion in Nigeria 14 Contents 1. Status Quo and Targets ____________________________________________________ 3 2. Scenarios, Operating Model and Regulatory Requirements ________________________ 40 3. Stakeholder Roles and Responsibilities _______________________________________ 58 4. Tracking Methodology _____________________________________________________ 83 5. Implementation Plan ______________________________________________________ 91 6 Conclusion _____________________________________________________________ 103 Financial Inclusion in Nigeria 2 1. Status Quo and Targets 1.1 Introduction to Financial Inclusion The purpose of defining a Financial Inclusion (FI) strategy for Nigeria is to ensure that a clear agenda is set for increasing both access to and use of financial services within the defined timeline, i.e. by 2020. Financial Inclusion is achieved when adults 1 have easy access to a broad range of financial products designed according to their needs and provided at affordable costs. These products include payments, savings, credit, insurance and pensions. The definition of Financial Inclusion is based on: 1. Ease of access to financial products and services Financial products must be within easy reach for all groups of people and should avoid onerous requirements, such as challenging KYC procedures 2. A broad range of financial products and services Financial Inclusion implies access to a broad range of financial services including payments, -
Submission to the Reserve Bank of Australia Response to EFTPOS
Submission to the Reserve Bank of Australia Response To EFTPOS Industry Working Group By The Australian Retailers Association 13 September 2002 Response To EFTPOS Industry Working Group Prepared with the assistance of TransAction Resources Pty Ltd Australian Retailers Association 2 Response To EFTPOS Industry Working Group Contents 1. Executive Summary.........................................................................................................4 2. Introduction......................................................................................................................5 2.1 The Australian Retailers Association ......................................................................5 3. Objectives .......................................................................................................................5 4. Process & Scope.............................................................................................................6 4.1 EFTPOS Industry Working Group – Composition ...................................................6 4.2 Scope Of Discussion & Analysis.............................................................................8 4.3 Methodology & Review Timeframe.........................................................................9 5. The Differences Between Debit & Credit .......................................................................10 5.1 PIN Based Transactions.......................................................................................12 5.2 Cash Back............................................................................................................12 -
Transaction Fees in Banking Machine Networks: a Spatial and Empirical Analysis
TRANSACTION FEES IN BANKING MACHINE NETWORKS: A SPATIAL AND EMPIRICAL ANALYSIS by ELIZABETH W. CROFT A THESIS SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY in THE FACULTY OF GRADUATE STUDIES Department of Commerce and Business Administration, Policy Programme We accept this thesis as conforming to the required standard. THE UNIVERSITY OF BRITISH COLUMBIA April 1999 © Elizabeth W. Croft, 1999 In presenting this thesis in partial fulfilment of the requirements for an advanced degree at the University of British Columbia, I agree that the Library shall make it freely available for reference and study. I further agree that permission for extensive copying of this thesis for scholarly purposes may be granted by the head of my department or by his or her representatives. It is understood that copying or publication of this thesis for financial gain shall not be allowed without my written permission. Department of Co^ rvxACQL -* r__>QXj (j[ JUv^k The University of British Columbia Vancouver, Canada Date AfC\ > ZofW DE-6 (2/88) ABSTRACT This thesis concerns the effects of network member features on the pricing of automated teller machine (ATM) transactions. The first chapter outlines the development of ATM networks and provides an institutional and public policy backdrop for the theoretical and empirical analysis in the thesis. ATM fees have recently received increased attention in North America due to the Interac abuse of dominance case in Canada and the widespread introduction of surcharge fees at ATMs in the United States. In Chapter 2, a new circular spatial model of ATM networks is developed and used to analyze the pricing preferences of banks when choosing to link their proprietary ATM networks into a shared network. -
Indonesia Life Newsletter
MILLIMAN INDONESIA LIFE INSURANCE NEWSLETTER We are pleased to present the May 2020 edition of TABLE OF CONTENTS Milliman’s Indonesia Life Insurance Newsletter. Market performance 2 This edition covers developments during the period Market news 2 from 1 January 2020 to 31 March 2020. Regulatory developments 4 We trust you find this edition informative. As Distribution updates 4 always, we look forward to receiving your feedback, Other recent developments 4 questions or comments. Brian Colgan David Kong Halim Gunawan Richard Holloway Head of Life Insurance Consulting Actuary Country Manager Managing Director, South Consulting, Indonesia Singapore, Life Indonesia East Asia & India, Life 1 May 2020 MILLIMAN INDONESIA LIFE INSURANCE NEWSLETTER Market performance Market news INDUSTRY PERFORMANCE AT Q4 2019 NEW PRODUCTS According to the Indonesia Insurance Statistics published by The following new life insurance products were reported to the Financial Services Authority (OJK), the Indonesian life have been launched during Q1 2020: insurance industry made a larger after-tax loss in Q4 2019 PT Prudential Life Assurance (Prudential) launched compared to Q4 2018. The change over the period is PRUTotal Critical Protection, an innovative critical illness summarised below: rider for both conventional and Syariah business. The rider FINANCIALS offers protection against an unlimited number of critical (IN IDR TRILLION) Q4 2018 Q4 2019 % CHANGE illnesses, including undiscovered ones. The rider comes NET PREMIUM INCOME 180.60 179.35 -(1)% bundled with Prudential’s other rider benefits, PruCrisis INVESTMENT AND OTHER Cover Benefit 34/Plus61 with PruTotal Critical 5.64 3.43 -(39)% INCOME Protection and PRUEarly Stage Crisis Cover/Plus with TOTAL INCOME 186.25 182.78 (2)% PRUTotal Critical Protection, covering major critical illnesses-only and both major and minor critical illnesses with death cover, respectively. -
2 Welcome from Dr. Hand
Welcome from Dr. Caneva……………………………………………………….…………...…2 Welcome from Dr. Hand………………………….……………………….……………………..3 Band Camp Information………………………………………….……………………………...4 Contact Information………………………………………….………………………….…….…7 2021 Camp Schedule……………………………….……………………………………..……..8 Schedule for 2021 Season……………………………………………………..……..……..…..10 Rental Instrument Information………………………….…………….………………..……….11 Medical Emergency Permission Form………………….…………….………………..…..…...12 Media Release and Consent Form…………………………………………………..……….…13 Band Jacket Order Form……………………………….…….…………………….……...……14 Marching Band Photo Order Form……………….……….……………………………………15 Muncie Music Price List……………………………….……….………………………………15 Fall 2021 Class Registration Instructions……………………….………………………….…..16 Audition Information Concert Bands………………………………………………….……….17 1 June 1, 2021 To the Members of the 2021-22 Ball State Bands: It’s always a pleasure to write to the members (and future members) of the Ball State University Bands and welcome them to our band program. The Ball State Bands have a long and rich tradition of outstanding musical performances in the concert hall, as well as athletic venues. I’m certain that the time you spend in the BSU Band program will be both musically challenging and rewarding. Below, you will find information regarding membership in the “Pride of Mid-America” Marching Band, as well as audition information for the BSU Concert Ensembles. Participation in all of our bands is open to all students on the BSU campus. If you have friend who might not be a music major but would like to participate in a band at Ball State, please pass this information along to them. Our ensembles are open to all students regardless of their major. If you are a new member of the band, please understand that the entire band staff looks forward to meeting you and eagerly anticipates your participation in our band program. -
State of the World, 1984: a Worldwatch Institute Report on Progress Toward a Sustainable Society
DOCUMENT RESUME ED 241 408 SO 015 436 AUTHOR Brown, Lester R.; And Others TITLE State of the World, 1984: A Worldwatch Institute Report on Progress toward a Sustainable Society. First Edition. INSTITUTION Worldwatch Inst., Washington, D.C. REPORT NO ISBN-0-393-30176-1 PUB DATE '84 NOTE 268p. AVAIL?BLC FROMW. W. Norton and Company, Inc., 500 Fifth Ave., New York, NY 10110 ($15.95). PUB TYPE Viewpoints (120) -- Books (010) DRS PRICE MF01 Plus Postage. PC Not Available from EDRS. DESCRIPTORS Conservation (Environment); Depleted Resources; Developed Nations; Developing Nations; EcOnomici; Evaluation; Food; Forestry; Fuel Consumption; Fuels;. *Futures (of Society); Global Approach; International ,Cooperation; International Relations; Natural Resources; Paicy Formation; Recycling; Resource Allocation; Resources; Soil Conservation; Wastes; *World Affairs; *World Pkoblems ABSTRACT The first of a series of annual reports for policy makers, this publication focuses on evaluating changes in the interplay, between the world's changing.respurce base and the economic system. Following an overview, content is divided into 10 additional chapters covering population stabilization, the world's dependence on oil, soil conservation, forest protection, materials recycling, the economics of nuclear power, the development of renewable energy, the future of the automobile, the world food supply, and economic policy formulation. Each chapter is edited by a specialist in the-field and contains several a:ticles by different authors. Examples of subtOpics considered within each chapter are: zero population growth and national fertility declines (population stabilization); petroleum substitutes and government regulations (bil dependence); acid rain and deforestation (forest conservation); waste paper, aluminum, iron, and steel (recycling efforts); wind,, solar, and geothermal energy (renewable energy); and national priorities and "guns or butter" (economic policy formulation). -
Nationally Approved Lenders, Visit
Together, America Prospers Active Single Family Housing Guaranteed Loan Program (SFHGLP) Lenders Maine Oregon Alabama Maryland Pennsylvania Alaska Massachusetts Puerto Rico Arizona Michigan Rhode Island Arkansas Minnesota South Carolina California Mississippi South Dakota Colorado Missouri Tennessee Connecticut Montana Texas Delaware Nebraska Utah Florida Nevada Vermont Georgia New Hampshire Virginia Hawaii New Jersey Washington Idaho New Mexico West Virginia Illinois New York Western Pacific Indiana North Carolina Wisconsin Iowa North Dakota Wyoming Kansas Ohio Kentucky Oklahoma Louisiana This list includes institutions that have recently originated a Single Family Housing Guaranteed Loan in the state listed. For a complete list of nationally approved lenders, visit https://www.rd.usda.gov/files/SFHGLDApprovedLenders.pdf. If you have a question regarding this list, contact the Single Family Housing Guaranteed Loan Program (SFHGLP) Lender and Partner Activities branch at [email protected]. Active Single Family Housing Guaranteed Lenders Alabama 1STwww.1stalliancelending.com ALLIANCE LENDING, LLC. ARCADIAwww.arcadialending.com FINANCIAL GROUP, LLC CAHABAwww.cahabamortgage.com HOME MORTGAGE, LLC A MORTGAGEwww.amortgageboutique.com BOUTIQUE, LLC ARK-LA-TEXwww.benchmark.us FINANCIAL SERVICES, LLC DBA CALCONwww.onetrusthomeloans.com MUTUAL MORTGAGE, LLC ACADEMYwww.academymortgage.com MORTGAGE CORPORATION ARMYwww.allincu.com AVIATION CENTER FEDERAL CREDIT CALIBERhttps://www.caliberhomeloans.com/ HOME LOANS, INC. UNION ACOPIA,www.acopiahomeloans.com -
Ann BRI Hal 000-034
A Sound Loan Portfolio Focusing on Micro, Small, Medium Enterprises (MSMEs) Year of 2006 is a test case for BRI when core business competency of a bank was put to a test. The impact of inflation which was above 16% has made purchasing power weaken and BI rate was still above two digits. High interest rate and inflation environment were not a promising condition for banking because of decrease in loan demand and increase in bad debt. However, the strategy focusing on MSME has Loan Growth been yielding a satisfactory result in prevailing % this adverse condition. Until in the end of 2006, BRI has extended loans amounted to Rp90.28 35.00 32.75 30.33 trillion, an increase of Rp14.74 trillion or 19.53% 30.00 31.03 24.91 24.34 21.67 of loan outstanding at the end year 2005 which 25.00 27.11 21.68 was Rp75.53 trillion. From total loans extension 20.00 20.89 19.53 19.36 17.40 18.72 21.11 15.00 in 2006, 86.71% of them or Rp78.28 trillion for 14.10 financing MSME sector. 10.00 2002 2003 2004 2005 2006 INDUSTRY BRI BRI’s MSMEs Loan Composition % 100.00 17.43 14.69 13.56 13.17 13.29 In MSMEs, the sector financed by BRI including 3.69 4.55 4.59 6.25 8.22 28.01 24.19 26.69 28.53 27.05 trading, hotel and restaurant; processing industry, agriculture, services and other including 50.00 23.06 24.18 23.53 21.90 21.22 consumer. -
Ringkasan Informasi Produk Danamon Lebih
RINGKASAN INFORMASI PRODUK DANAMON LEBIH DATA RINGKAS Penjelasan Produk Produk tabungan yang dikeluarkan oleh PT. Bank Danamon Indonesia, Tbk. (”Bank Danamon”) yang dimiliki oleh Nasabah perorangan, yang memiliki keuntungan antara lain memberikan manfaat Asuransi Meninggal Dunia karena Kecelakaan (Accidental Death Benefit) gratis. Produk Asuransi Meninggal Dunia karena Kecelakaan: 1. Early Personal Accident Protection adalah produk Asuransi Kecelakaan diri gratis, didesain khusus untuk diintegrasikan dengan tabungan Danamon LEBIH tanpa biaya tambahan. 2. Personal Accident Protection adalah Asuransi Kecelakaan Diri yang akan ditawarkan kepada seluruh pemegang rekening Danamon LEBIH untuk meningkatkan manfaat Early Personal Accident Protection mereka. Jenis Produk Tabungan Penerbit PT Bank Danamon Indonesia, Tbk Manfaat yang diperoleh Nasabah dengan membuka rekening Danamon LEBIH adalah : 1. Bebas Biaya Admin Nasabah tidak dikenakan biaya administrasi bulanan. 2. Cashback Atas Pembelanjaan Nasabah akan mendapatkan cashback dalam transaksi pembelanjaan sesuai dengan Syarat dan Ketentuan Danamon LEBIH (minimal Rp200.000 per transaksi dan akan mendapatkan cashback sebesar 5% atau maksimum Rp50.000 per bulan jika saldo rata-rata pada bulan berjalan Rp1 juta). 3. Transfer Lebih Murah Biaya transfer RTGS/SKN lebih murah melalui Danamon Online Banking 4. Gratis Asuransi Jiwa Nasabah akan berhak mendapatkan perlindungan asuransi kecelakaan secara gratis senilai Rp10 juta untuk 6 bulan pertama sejak tanggal pembukaan rekening. 5. Fitur Transaksi Terkini Nasabah dapat menikmati kemudahan layanan fitur transaksi terkini seperti fasilitas mobile banking (D-Mobile), internet banking (Danamon Onliine Banking), SMS Banking, ATM dan Hello Danamon untuk menambahkan kenyamanan Nasabah dalam bertransaksi di mana saja dan kapan saja. PT. Bank Danamon Indonesia,Tbk. Hal: 1/12 Terdaftar dan diawasi oleh Otoritas Jasa Keuangan RIP DL.v3 – 0416 A. -
E-Welcome Pack HSBC Premier
Welcome to the life of privilege with HSBC Premier Selamat datang Saatnya Memulai di HSBC Premier! Siapkan diri Anda untuk menikmati pengalaman perbankan istimewa dengan HSBC Premier. Melalui Welcome Pack ini, kami ingin memperkenalkan Anda kepada berbagai keistimewaan produk dan layanan yang dapat Untuk mendapatkan keistimewaan penuh dari HSBC Anda nikmati sebagai nasabah baru. Premier, segera aktifkan dan manfaatkan langkah-langkah di bawah ini dalam mendukung aktivitas Anda sehari-hari, bila Anda belum melakukannya. 1. Tingkatkan dana di rekening Anda 2. Aktifkan Kartu Debit HSBC Premier 3. Aktifkan Personal Internet Banking 4. Aktifkan Kartu Kredit HSBC Premier Mastercard 5. Buat janji temu dengan Relationship Manager 1. Tingkatkan dana 3. Aktifkan HSBC Personal di rekening Anda Internet Banking Dengan meningkatkan dana rekening HSBC Premier, Anda Atur rekening sesuai kebutuhan dengan cepat dan bisa mendapatkan berbagai keistimewaan HSBC Premier mudah, 24 jam, 7 hari dalam seminggu. yang disediakan khusus untuk mendukung Anda, di mana pun dan kapan pun, secara lebih optimal. Untuk mendaftar Internet Banking: 1. Kunjungi hsbc.co.id dan klik tombol ‘Log on’ di sudut kanan atas. 2. Aktifkan Kartu Debit HSBC 2. Klik “Register for Personal Internet Banking”, pilih kartu debit atau Phone Banking atau kartu kredit di Premier ‘Metode Pendaftaran' dan ketikkan nomor yang sesuai. 3. Buat username, kata sandi utama, dan kata sandi cadangan, serta dua buah pertanyaan keamanan berikut jawabannya. 4. Masukkan alamat e-mail Anda. Aktifkan Kartu Debit HSBC Premier Anda terlebih dahulu sebelum menggunakannya: 5. Anda bisa log on ke Internet Banking HSBC. 1. Untuk Kartu Debit GPN, masukkan kartu ke ATM HSBC, Bersama, atau Prima mana pun di Indonesia. -
Versi 01 - April 2021
Versi 01 - April 2021 RINGKASAN INFORMASI PRODUK Nama Penerbit Produk PT. Bank Permata Tbk Nama Produk PermataTabungan Bebas Tabungan yang menawarkan fleksibilitas bertransaksi perbankan setiap saat Deskripsi kepada Nasabah, serta menawarkan kemudahan dan kenyamanan bertransaksi perbankan yang dapat dinikmati kapan saja dan dimana saja. Bebas Biaya Keuntungan Produk bagi Bebas biaya tarik tunai di ATM Bank lain yang tergabung dalam Jaringan Nasabah ALTO, ATM Bersama, Prima dan VISA/PLUS yang tersebar di seluruh dunia (program hingga 31 December 2021) Bebas biaya transfer online ke Bank lain di seluruh Indonesia untuk saldo ≥ Rp5.000.000,- sebelum transaksi melalui PermataATM, PermataMobile, PermataNet dan PermataTel IVR.* Bebas biaya administrasi rekening bulanan untuk saldo rata-rata rekening di bulan sebelumnya ≥ Rp5.000.000,-. *Catatan: Fasilitas bebas biaya transfer online ke Bank lain tidak berlaku apabila transaksi dilakukan melalui PermataMini ATM dan terminal Electronic Channel Bank lain. Akses Luas dari PermataDebit Plus - Tarik tunai di seluruh jaringan ATM domestik dan luar negeri sesuai dengan logo jaringan yang terdapat pada tampak belakang PermataDebit Plus. - Transaksi belanja di seluruh merchant sesuai dengan logo jaringan yang terdapat pada tampak belakang PermataDebit Plus. Layanan Permatae-Banking - PermataMobile merupakan layanan mobile banking yang dapat diakses dari telepon selular. - PermataNet yang memberikan Layanan internet banking yang dapat diakses melalui website www.permatabank.com atau https://new.permatanet.com. - PermataATM yang memberikan kemudahan melakukan tarik tunai dan transaksi perbankan lainnya melalui ATM. - PermataTel yaitu Layanan call center di nomor 1500111. Layanan PermataTel dilengkapi dengan mesin swajawab (IVR – Interactive Voice Response) yang akan membantu menyelesaikan transaksi Anda dengan Kode Layanan Kilat atau bantuan Professional Agent.