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Building Resilience for the Long Run
Building Resilience for the Long Run How Travel & Hospitality companies can stay agile during business disruption COPYRIGHT 2020, AMAZON WEB SERVICES, INC. OR ITS AFFILIATES 1 About AWS Travel and Hospitality WS Travel and Hospitality is the global industry practice for Amazon Web Services (AWS), with a charter to support customers as they accelerate cloud adoption. Companies around the world, across every segment of the travel and hospitality industry - and of every size - run on AWS. This includes industry leaders like Airbnb, Avis Budget Group, Best Western, Choice Hotels, DoorDash, Dunkin’ Brands, Expedia Group, Korean Air, McDonald’s, Ryanair, SiteMinder, Sysco, Toast, United Airlines, and Wyndham Hotels. These companies and many others are transforming their business by leveraging technology to enhance customer experiences and increase operational efficiency. For more information about AWS Travel and Hospitality, please visit aws.com/travel. Keep up-to-date with executive insights and industry viewpoints at the AWS Travel and Hospitality Blog. Click here to be contacted by an AWS representative. COPYRIGHT 2020, AMAZON WEB SERVICES, INC. OR ITS AFFILIATES AWS.COM/TRAVEL 2 Foreword It has been said that challenges should not paralyze you but help discover who you are. We have seen time and again that immense challenges can bring about incredible innovation. That is especially true today. Around the globe, travel and hospitality companies are taking advantage of the flexibility of the AWS Cloud to innovate quickly and meet their needs during these trying times. Faced with disruption – whether a localized weather event or a pandemic that spans continents – travel and hospitality companies respond and rebuild. -
Bharat Bill Payment System: Note for Agent Institutions
Bharat Bill Payment System: Note for Agent Institutions BBPS – A Brief Introduction BBPS stands for Bharat Bill Payment System. The Bharat bill payment system is a Reserve Bank of India (RBI) conceptualised system driven by National Payments Corporation of India (NPCI). It is a one-stop payment platform for all bills providing an interoperable and accessible “Anytime Anywhere” bill payment service to all customers across India with certainty, reliability and safety of transactions. BBPS a One-stop access: BBPS has multiple modes of payment and provides instant confirmation of payment via an SMS or receipt. BBPS offers myriad bill collection categories like electricity, telecom, DTH, gas, water bills etc. through a single window. In future biller categories may be expanded to include insurance premium, mutual funds, school fees, institution fees, credit cards, local taxes, invoice payments, etc. An effective mechanism for handling consumer complaints has also been put in place to support consumer regarding any bill related problems in BBPS. The system participants are entities authorised by Reserve Bank of India (RBI) thereby providing assurance to the customer for a trusted experience between the service providers and billers. 1 | P a g e Bharat Bill Payment System: Note for Agent Institutions Different Payment Channels BBPS transaction can be initiated through multiple payment channels like Internet, Internet Banking, Mobile, Mobile-Banking, POS (Point of Sale terminal), Mobile Wallets, MPOS (Mobile Point of Sale terminal), Kiosk, ATM, Bank Branch, Agents and Business Correspondents. Different Payment Modes BBPS facilitates myriad payment modes enabling bill payments. The payment modes options facilitated under BBPS are Cash, Cards (Credit, Debit & Prepaid), IMPS, Internet Banking, UPI, Wallets & AEPS. -
Digital Payments: Prospects for South Asia and Pakistan
52 Journal of Contemporary Studies, Vol. V, No.2, Winter 2016 DIGITAL PAYMENTS: PROSPECTS FOR SOUTH ASIA AND PAKISTAN Dr. Muhammad Zia-Ur-Rehman & Umara Afzal* Abstract The study focuses on the prevailing digital payment patterns across South Asia and the trends and challenges emerging in Pakistan. Some of the crucial digital payment instruments and devices in relation to the e-commerce, m-commerce environment are analysed. The ways in which South Asian businesspersons, customers and employers are replacing hard cash with digital payments are examined. Based on such analysis of trends and patterns widespread in today’s world, the article also discusses the advantages of various devices of digital payments. The paper underscores the prospects and policy recommendations of digital payment trends in Pakistan. Key Words: Digital Payments, Mobile Payments, QR Codes, Point of Sales, NFC, South Asian Trends Introduction n early 2000s, digital payments became a global phenomenon. In developing countries of South Asia digital payments within the realm I of Mobile Banking has recently caught more attention.1 With the help of digital payments, consumers pay bills for products and enterprises operate with them at the core of their business models, utilizing various smart phones, gadgets and tablets. The benefits of digital payments are * Dr. Muhammad Zia-ur-Rehman is Assitant Prof. at Department of Leadership and Management Studies, National Defence University. Umara Afzal is a former M.Phil Scholar of Department of Leadership and Management Studies, National Defence University. 1 Tomi Dahlberg, Niina Mallat, and Anssi Öörni, Trust Enhanced Technology Acceptance Model-Consumer Acceptance of Mobile Payment Solutions, the Stockholm Mobility Roundtable 2003 (Finland, 2003), https://pdfs.semanticscholar.org/d6b6/7e730218100e82c70525249462b02 4515d0b.pdf. -
Journal of Contemporary Studies a Biannual Publication of Faculty of Contemporary Studies
Journal of Contemporary Studies A biannual publication of Faculty of Contemporary Studies Patron-in-Chief Lieutenant General Nazir Ahmed Butt, HI (M), President, National Defence University, Islamabad. Chairman Prof. Dr. Pervaiz Iqbal Cheema, Dean, Faculty of Contemporary Studies, National Defence University, Islamabad EDITORIAL BOARD Editor-in-Chief Dr. Zulfqar Khan Editor Dr. Shaheen Akhtar Assistant Editors Dr. Khuram Iqbal Mr. Tasawar Hussain EDITORIAL ADVISORY BOARD Prof. Ian Talbot, Professor of Modern British History at the University of Southampton, UK. Prof. Dr. Sally Wallace, Andrew Young School of Policy Studies, Georgia State University, USA. Prof. Dr. Mehmet Asutay School of Government and International Affairs, Durham University, UK. Prof. Marvin G. Weinbaum, Director for Pakistan Studies at the Middle East Institute, USA. Dr. Andrew Futter, Associate Professor of International Politics at University of University of Leicester, UK. Dr. Julian Droogan, Department of Security Studies and Criminology, Macquarie University, Australia. Dr. S. Gulden Ayman, Associate Professor, Marmara University Istanbul, Turkey. Dr. Nishchal N. Pandey, Director Centre for South Asian Studies, Kathmandu, Nepal. Dr. Ying Rong, Senior Research Fellow, China Institute of International Studies (CIIS). Professor Tim Edmunds, Director of Teaching and Learning School of Sociology, Politics and International Studies (SPAIS), University of Bristol, Bristol, United Kingdom. Dr. Hasan Askari Rizvi, Political and Defence Analyst, Pakistan. Dr. Moonis Ahmar, Dean, Faculty of Arts, University of Karachi, Pakistan. Dr. Rashid Ahmad Khan, Dean Social Sciences, University of Sargodha, Pakistan. Dr. Ejaz Hussain, Professor National Institute of Pakistan Studies, Quaid-i-Azam University, Islamabad. Winter 2016 Volume V, Number 2 JOURNAL OF Editor-in-Chief Dr. -
Ferdig-Master.Pdf
Abstract Mobile banking has been anticipated as the next step in digital finance for years. It is now, suddenly emerging in the developing world as a viable option for bringing banking services to the unbanked population of the world. The first part of my research question is: what issues resulted in the slow adoption of mobile banking? I find that the main reasons is the lack of a standard, providing a framework for innovations to emerge in. The second part of my research question then follows as, what are the dynamics between standardization and innovation in the Pakistani mobile banking market? To study this I conduct an empirical study of Easypaisa, analysing it in light of Information infrastructure theory. My findings are based on three topics. Firstly, that the establishment of the OTC money transfer standard has made the original plan for expansion change direction, focusing more on innovating on top of this standard rather than trying to change the standard itself. Secondly, my findings suggest that new trends in the mobile banking industry is requiring Easypaisa to change their internal system to allow for easy integration of 3’rd parties innovators. Thirdly, they suggest that the strong regulation of the branchless banking industry in Pakistan both enable and constrain innovation in the industry. I find that Easypaisa’s exploratory and bottom up approach to development have enabled them to be flexible enough to handle the regulatory standards imposed by the government and have enabled them to establish the OTC standard money transfer option. Further they suggest that the scaling of mobile banking solutions requires standard to emerge, however, it also needs flexibility to allow for innovation. -
The Beast of Buckingham Palace by DAVID WALLIAMS
12/9/2019 Most Sold Fiction | Amazon Charts Skip to main content Hello, Sign in Try 0 Kindle Store Try Prime Account & Lists Orders Prime Basket Deliver to United States Last Minute Christmas Deals Christmas Shop Vouchers Kindle Store Buy A Kindle Kindle Books Kindle Unlimited Prime Reading Best Sellers & more Kindle Singles Kindle Daily Deals Free Reading Apps WEEK OF 1 DECEMBER 2019 The Top 20 Most Sold & Most Read Books of the Week MOST READ MOST SOLD FICTION NONFICTION 1 4 WEEKS ON THE LIST The Beast of Buckingham Palace BY DAVID WALLIAMS PUBLISHER: HARPERCOLLINS UNPUTDOWNABLE 4.8 / 109 REVIEWS 2 https://www.amazon.co.uk/charts/2019-12-01/mostsold/fiction?ref=chrt_bk_dx_intra_sd_fc 1/10 12/9/2019 Most Sold Fiction | Amazon Charts 6 WEEKS ON THE LIST The Boy, The Mole, The Fox and The Horse BY CHARLIE MACKESY PUBLISHER: EBURY CUSTOMER REVIEWS 4.8 / 295 REVIEWS 3 4 WEEKS ON THE LIST Diary of a Wimpy Kid: Wrecking Ball BY JEFF KINNEY PUBLISHER: PUFFIN CUSTOMER REVIEWS 4.7 / 106 REVIEWS 4 7 WEEKS ON THE LIST Blue Moon BY LEE CHILD PUBLISHER: TRANSWORLD https://www.amazon.co.uk/charts/2019-12-01/mostsold/fiction?ref=chrt_bk_dx_intra_sd_fc 2/10 12/9/2019 Most Sold Fiction | Amazon Charts CUSTOMER REVIEWS 4.1 / 917 REVIEWS 5 5 WEEKS ON THE LIST The Christmas Invitation BY TRISHA ASHLEY PUBLISHER: TRANSWORLD HIGHLY QUOTABLE 4.5 / 223 REVIEWS 6 10 WEEKS ON THE LIST The Secret Commonwealth BY PHILIP PULLMAN PUBLISHER: PENGUIN AND DAVID FICKLING BOOKS CUSTOMER REVIEWS 4.2 / 250 REVIEWS 7 https://www.amazon.co.uk/charts/2019-12-01/mostsold/fiction?ref=chrt_bk_dx_intra_sd_fc -
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 -
Caluwaerts JSC Page.Qxd
Journal of Payments Strategy & Systems Volume 9 Number 1 Social networks, game-changer for e-money? Will social networks (e-)monetise the payments industry? Philippe Caluwaerts Received (in revised form): 6th December, 2014 Policy Officer, Audit and Credit Rating Agencies Unit, Financial Stability, Financial Services and Capital Markets Union Directorate General, European Commission, Rue de Spa 2 (SPA2 01/103), 1049 Brussels, Belgium Tel: (32-2) 2984811; e-mail: [email protected] Philippe Caluwaerts is Policy Officer in the ecosystem lacking global standards and requir- Directorate-General Financial Stability, Financial ing enhanced collaboration between mul tiple Services and Capital Markets Union of the stakeholders including financial institutions, card European Commission. He was previously schemes, mobile network operators, service involved in the design and implementation of the providers and merchants, and the sometimes European policy on payment services and retail fragmented regulatory regimes, all have to be financial services. As part of his duties, he took addressed for e-money to be successful. This part in the design and negotiation of the revised paper describes why we may be at the forefront rules on electronic money and electronic money of a breakthrough in the e-money market, institutions (Directive 2009/110/EC), which were driven by social networks. In particular, the adopted in September 2009. Currently, he is uptake of electronic commerce, the boom of social expert in the EU regulation on credit rating agen- networks connecting families across the globe cies. Before joining the Commission, he worked and creating opportunities for money remittance, in the private sector in banking, mobile telecom- the active presence of merchants on social net- munications and consulting. -
Amazon Pay Enters Japan with Nippon Pay Partnership
58 September 2018 E-linx is the e-newsletter for The CardLinx Association. For more information or to subscribe go to www.cardlinx.org or email [email protected]. AMAZON PAY ENTERS JAPAN WITH NIPPON PAY PARTNERSHIP In This Issue mazon’s Japan unit partnered with startup Nippon Pay to Alaunch Amazon Pay at dozens of unaffiliated small businesses 1. Amazon Pay Enters Japan with in Tokyo and Fukuoka. Takuya Inokawa, director at Amazon Pay Asia, Nippon Pay Partnership will be a keynote speaker at the CardLinx Asia Forum in Tokyo on 2. Collinson Invests in Airport Digital December 4th. Register here. Commerce Platform Grab Amazon sees first mover opportunities in the Japan market where 3. China’s UnionPay Launches Credit credit cards and other cashless payments account for only 20% Card in the UK of consumer payments, compared to China at 60% and South Korea at 90%. Consumers use Amazon Pay through their Amazon smartphone app which displays a QR code for the transaction. The merchant uses a tablet provided by Nippon Pay that has a camera to scan the QR code. CardLinx Insight: The competition in the cashless market in Japan is heating up as companies try different approaches to making cashless transactions more accessible and ubiquitous to Japanese consumers. CardLinx reported in the May 2018 issue of E-Linx about Yahoo Japan’s entrance into brick- and-mortar stores through a smartphone app using QR codes. More information have been released about Yahoo Japan’s cashless system, named PayPay, a partnership between Yahoo Japan and SoftBank. Learn more. -
Standard Chartered Credit Card Mobile Offers
Standard Chartered Credit Card Mobile Offers Doubtless Broderick still chauffeur: adventurous and trunnioned Norton teeing quite incurably but tumbling her retinoscopy inconsonantly. Dividable Chane mother flexibly and greedily, she scraps her verification resaluted plaguy. Transvestic and unmarriageable Petr calendars some acre-foot so educationally! Focusing on mobiles, offering a real money video game is offered on products from any account on its key. Green Dot offers reloadable Mastercard and Visa prepaid cards 0 cash deposit s. Easy Payment Plans from top banks in UAE 3 6 9 & 12. Metabank Deposit Times Le Bufaline. Citibank Atm Limit. Standard Chartered Bank and Kotak Mahindra Bank permit no cost. This offer page you find mobile number error: it offers on mobiles, offering different products offered by the. Free and General Science & Technology for Civil. Keybank Atm Withdrawal MangiareMilanoit. Great credit card deals for buying the latest 5G smartphone. Standard Chartered Bank Korea SC. SC Mobile Nigeria Apps on Google Play. Apply online for Super Value Titanium Credit Card they earn 5 cashback on fuel spends phone. Once another client logs in to Standard Chartered Mobile App on your device. The dangers include running their debt this card payments carrying a balance and racking up interest charges using too much of your card themselves and applying for knowing many cards at once. Standard Chartered Mobile Banking App is protected with your user name and password or. Bank fullz. Standard Chartered Bank Offers Various credit cards Ultimate Credit Card Emirates World Credit Card Priority Visa Infinite Credit Card Manhattan Platinum. Please read further terms conditions thoroughly to spell the country Date Location. -
Easypaisa: Mobile Money Innovation in Pakistan
Easypaisa: Mobile Money Innovation in Pakistan Authors: M. Yasmina McCarty and Roar Bjaerum Contents 4 EXECUTIVE SUMMARY 5 PART 1 Structuring for innovation 8 PART 2 Designing the model: Over-the-counter vs. mobile account 13 PART 3 Distribution: Balancing reach and quality 17 CONCLUSION AND CONSIDERATIONS Figures 9 FIGURE 1 Easypaisa transaction values in first year of operations 14 FIGURE 2 Easypaisa Sales and Distribution Structure The MMU programme is supported by The Bill &Melinda Gates Foundation, The Mastercard Foundation and Omidyar Network. 4 GSMA - MOBILE MONEY FOR THE UNBANKED EASYPAISA 5 Executive Summary EASYPAISA, a mobile money service launched in Pakistan in 2009, serves more than five million customers a month through 25,000 points of service. By the end of 2012, it had processed more than 100 million transactions with a throughput of more than US$ 1.4 billion. Easypaisa was identified as a 2012 GSMA Mobile Money Sprinter — one of the 14 most successful mobile money services.1 Three important mobile money innovations emerge from the Easypaisa story. First, Easypaisa was launched from a unique cor- porate structure. Telenor Pakistan, a mobile network operator (MNO) acquired a 51% ownership stake in Tameer Bank, a microfi- nance bank, and then established Easypaisa as a common organization across the two companies. Second, Telenor Pakistan and Tameer Bank introduced over-the-counter (OTC) mobile money services – an entirely new model that did not require registration for an electronic wallet. And third, Easy- paisa achieved rapid national expansion by relying exclusively on its existing GSM PART 1 distribution structure. With a population of 180 million and only Structuring for innovation 15% bank penetration in 2008, Pakistan presented an attractive market opportu- nity for mobile money.2 Easypaisa seized A. -
AWS Architecture Monthly
April 2020 Automotive Notices Customers are responsible for making their own independent assessment of the information in this document. This document: (a) is for informational purposes only, (b) represents current AWS product offerings and practices, which are subject to change without notice, and (c) does not create any commitments or assurances from AWS and its affiliates, suppliers, or licensors. AWS products or services are provided “as is” without warranties, representations, or conditions of any kind, whether express or implied. The responsibilities and liabilities of AWS to its customers are controlled by AWS agreements, and this document is not part of, nor does it modify, any agreement between AWS and its customers. © 2020 Amazon Web Services, Inc. or its affiliates. All rights reserved. Editor's note Connected, autonomous, shared, and electric vehicle trends are converging to revolutionize the automotive industry. In this unprecedented age of innovation, automotive companies rely on Amazon Web Services (AWS) to fuel their digital transformation efforts, and get their products to market faster, while retaining ownership and control of their data and brand experience. AWS provides the broadest and deepest set of capabilities, including artificial intelligence (AI), Internet of Things (IoT), HPC, and data analytics, the highest performance and security, the largest customer and partner community, and a relentless pace of innovation. With AWS as their strategic partner, automotive companies are empowered with the knowledge, capabilities, agility, and speed they require to thrive in the new era of mobility. We hope you’ll find this edition of Architecture Monthly useful, and we’d like your feedback. Please give us a star rating and your comments on the Amazon Kindle page (https://amzn.to/Kindle-magazine).