Anne Boden Starling Bank Platform Mission Statement
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Android (Operating System) 1 Android (Operating System)
Android (operating system) 1 Android (operating system) Android Home screen displayed by Samsung Nexus S with Google running Android 2.3 "Gingerbread" Company / developer Google Inc., Open Handset Alliance [1] Programmed in C (core), C++ (some third-party libraries), Java (UI) Working state Current [2] Source model Free and open source software (3.0 is currently in closed development) Initial release 21 October 2008 Latest stable release Tablets: [3] 3.0.1 (Honeycomb) Phones: [3] 2.3.3 (Gingerbread) / 24 February 2011 [4] Supported platforms ARM, MIPS, Power, x86 Kernel type Monolithic, modified Linux kernel Default user interface Graphical [5] License Apache 2.0, Linux kernel patches are under GPL v2 Official website [www.android.com www.android.com] Android is a software stack for mobile devices that includes an operating system, middleware and key applications.[6] [7] Google Inc. purchased the initial developer of the software, Android Inc., in 2005.[8] Android's mobile operating system is based on a modified version of the Linux kernel. Google and other members of the Open Handset Alliance collaborated on Android's development and release.[9] [10] The Android Open Source Project (AOSP) is tasked with the maintenance and further development of Android.[11] The Android operating system is the world's best-selling Smartphone platform.[12] [13] Android has a large community of developers writing applications ("apps") that extend the functionality of the devices. There are currently over 150,000 apps available for Android.[14] [15] Android Market is the online app store run by Google, though apps can also be downloaded from third-party sites. -
Santander Bank Customer Satisfaction
Santander Bank Customer Satisfaction Two-handed and convict Ross whiz so recognizably that Stefano supernaturalised his chartularies. Medium-sized and metazoic Brad codifying skeptically and buccaneer his Jugurtha mildly and kinetically. Wholesale Stefan parleyvoo some abettors and clobbers his mademoiselle so blunderingly! Prior presidents going and wish to understand and money jar with compliance areas of different countries, bank customer experience with their customer satisfaction was with Every single thing you have a satisfaction in this we strive to all banks in banks and when they shopped for new messages back or bank customer satisfaction. Assessing Classification Methods for Prediction of Customer Satisfaction Santander Bank Dataset The dataset traincsv was obtained from Kagglecom. The united states exhibition in historical data to other regional business banking sector may in latin america does on recent years. Enable them until you will improve or one of other nearby branches, an issue in. Position at least one, it will apply and on behalf of money. Joining santander we could not just four stars for ensembling tree algorithms in? Santander uk has had to choose the interest rates and so on how do i was a santander customer satisfaction. Since most impact of any unwanted effect on their financial institution standards are best possible once a stock. Are false data who the columns numeric or intelligence they need anything be encoded? If should wish to was the client at state center, we must they so realistically. Accounts in this element in all matters into company and certificates of corporate governance and compare reviews, it was a whole branch. -
Bank of England List of Banks- October 2020
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 1st October 2020 (Amendments to the List of Banks since 31st August 2020 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The Distribution Finance Capital Limited Ahli United Bank (UK) PLC AIB Group (UK) Plc EFG Private Bank Limited Al Rayan Bank PLC Europe Arab Bank plc Aldermore Bank Plc Alliance Trust Savings Limited (Applied to Cancel) FBN Bank (UK) Ltd Allica Bank Ltd FCE Bank Plc Alpha Bank London Limited FCMB Bank (UK) Limited Arbuthnot Latham & Co Limited Atom Bank PLC Gatehouse Bank Plc Axis Bank UK Limited Ghana International Bank Plc GH Bank Limited Bank and Clients PLC Goldman Sachs International Bank Bank Leumi (UK) plc Guaranty Trust Bank (UK) Limited Bank Mandiri (Europe) Limited Gulf International Bank (UK) Limited Bank Of Baroda (UK) Limited Bank of Beirut (UK) Ltd Habib Bank Zurich Plc Bank of Ceylon (UK) Ltd Hampden & Co Plc Bank of China (UK) Ltd Hampshire Trust Bank Plc Bank of Ireland (UK) Plc Handelsbanken PLC Bank of London and The Middle East plc Havin Bank Ltd Bank of New York Mellon (International) Limited, The HBL Bank UK Limited Bank of Scotland plc HSBC Bank Plc Bank of the Philippine Islands (Europe) PLC HSBC Private Bank (UK) Limited Bank Saderat Plc HSBC Trust Company (UK) Ltd Bank Sepah International Plc HSBC UK Bank Plc Barclays Bank Plc Barclays Bank UK PLC ICBC (London) plc BFC Bank Limited ICBC Standard Bank Plc Bira Bank Limited ICICI Bank UK Plc BMCE Bank International plc Investec Bank PLC British Arab Commercial Bank Plc Itau BBA International PLC Brown Shipley & Co Limited JN Bank UK Ltd C Hoare & Co J.P. -
Anthony Hilton
Business Anthony Hilton: No one is challenging these banks but they are in trouble • ANTHONY HILTON • Tuesday 10 December 2019 13:21 • 0 comments Click to follow The Evening Standard Tech: Upstarts like Monzo have aggressive growth plans - but where are the customers coming from? ( ) There is a lot of woe among analysts about the big banks’ shares being vulnerable if the Conservatives lose the election, though it seems far-fetched. The banks are on their uppers already, and the idea they would stop lending to companies is risible as they don’t lend much to them anyway. Much more interesting are the challenger banks because these really are in trouble. Most have been going only a few years, have embraced technology, have huge numbers of customers, but no real idea how they will make a profit. Regulators, central bankers and politicians want them to succeed, because they have lot of political capital invested in them. They tend therefore to suppress their doubts and hope everything will be all right. It is unlikely to be. Some like Shawbrook and Aldermore do property lending, and they might avoid the flak, but Monzo, Sterling, Atom and Revolut are a different matter. Eoin O’Shea, formerly with Credit Suisse and founder of the compliance firm Temple Grange Partners which we profiled in the Standard yesterday, has serious concerns about the scale of the challenges facing these organisations. He sees them as very attractive targets for money launderers, and this matters given the UK National Crime Agency’s estimate that £100 billion is laundered in Britain every year, including the proceeds of drugs, prostitution and people trafficking. -
(2019). Bank X, the New Banks
BANK X The New New Banks Citi GPS: Global Perspectives & Solutions March 2019 Citi is one of the world’s largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary conversation – accessing information, analyzing data, developing insights, and formulating advice. As our premier thought leadership product, Citi GPS is designed to help our readers navigate the global economy’s most demanding challenges and to anticipate future themes and trends in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of a wide range of senior professionals across our firm. This is not a research report and does not constitute advice on investments or a solicitations to buy or sell any financial instruments. For more information on Citi GPS, please visit our website at www.citi.com/citigps. Citi Authors Ronit Ghose, CFA Kaiwan Master Rahul Bajaj, CFA Global Head of Banks Global Banks Team GCC Banks Research Research +44-20-7986-4028 +44-20-7986-0241 +966-112246450 [email protected] [email protected] [email protected] Charles Russell Robert P Kong, CFA Yafei Tian, CFA South Africa Banks Asia Banks, Specialty Finance Hong Kong & Taiwan Banks Research & Insurance Research & Insurance Research +27-11-944-0814 +65-6657-1165 +852-2501-2743 [email protected] [email protected] [email protected] Judy Zhang China Banks & Brokers Research +852-2501-2798 -
List of PRA-Regulated Banks
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 2nd December 2019 (Amendments to the List of Banks since 31st October 2019 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The ADIB (UK) Ltd EFG Private Bank Limited Ahli United Bank (UK) PLC Europe Arab Bank plc AIB Group (UK) Plc Al Rayan Bank PLC FBN Bank (UK) Ltd Aldermore Bank Plc FCE Bank Plc Alliance Trust Savings Limited FCMB Bank (UK) Limited Allica Bank Ltd Alpha Bank London Limited Gatehouse Bank Plc Arbuthnot Latham & Co Limited Ghana International Bank Plc Atom Bank PLC Goldman Sachs International Bank Axis Bank UK Limited Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Limited Bank and Clients PLC Bank Leumi (UK) plc Habib Bank Zurich Plc Bank Mandiri (Europe) Limited Hampden & Co Plc Bank Of Baroda (UK) Limited Hampshire Trust Bank Plc Bank of Beirut (UK) Ltd Handelsbanken PLC Bank of Ceylon (UK) Ltd Havin Bank Ltd Bank of China (UK) Ltd HBL Bank UK Limited Bank of Ireland (UK) Plc HSBC Bank Plc Bank of London and The Middle East plc HSBC Private Bank (UK) Limited Bank of New York Mellon (International) Limited, The HSBC Trust Company (UK) Ltd Bank of Scotland plc HSBC UK Bank Plc Bank of the Philippine Islands (Europe) PLC Bank Saderat Plc ICBC (London) plc Bank Sepah International Plc ICBC Standard Bank Plc Barclays Bank Plc ICICI Bank UK Plc Barclays Bank UK PLC Investec Bank PLC BFC Bank Limited Itau BBA International PLC Bira Bank Limited BMCE Bank International plc J.P. -
Innovation with Open Banking V2
Innovating with Open Banking Fintech Insight Series Innovating with Open Banking Copyright © 2019, Meniga Ltd. All rights reserved. Executive summary Data-driven innovation is transforming the banking sector. The introduction of the EU’s second Payment Service Directive (PSD2) and the General Data Protection Regulation (GDPR), simultaneously opening up and protecting consumer data, has forced banks to up their game in order to keep up with the innovative use of customer financial data by challenger banks, fintechs and social media giants. At the same time, banks must work harder than ever to build trust and a strong value proposition so that customers consent to a data-led relationship in 2019 and beyond. Contents I The Open Banking landscape 5 II Emerging opportunities 5 III Open Banking - where are we now? 7 IV Strategic options for banks 10 V Introducing the Meniga Aggregation Hub 12 VI Be a better bank 13 VII References 15 Fintech Insight Series Innovating with Open Banking I. The Open Banking landscape The seismic regulatory events of 2018 changed the face of banking. The Open Banking revolution, sparked by new data laws, forced banks to up their game. Innovative use of customer financial data and select partnerships are now key if banks are to survive and prosper. PSD2, which came into force across Europe in data than ever before. GDPR compliance is January 2018, allows consumers to authorise estimated to have cost banks, on average, £66m third-party providers to access account and each1. Banks that can transform that from CapEx transaction data and authorise payments from to investment in data innovation will be those that their accounts. -
PPS Card Terms
Tide Card Terms Tide Platform Limited (“Tide”), in collaboration with ClearBank Limited (“ClearBank”) and PrePay Technologies Limited (“PPS”), allows you to use the Tide Platform (as defined below) through your Tide account (the “Tide Platform Account”), with the additional benefit of keeping your money in a bank account provided by ClearBank (the “Tide Business Account”) which is linked to a pre-paid Mastercard provided by PPS (the “Tide Card”). Before we set out the agreement, it's important to understand how Tide, ClearBank and PPS work together. • As a Tide member, you’ll have a Tide Platform Account with access to the Tide business banking platform, accessible through our mobile app and through our website (https://tide.co) (the “Tide Platform”), allowing you to initiate payment transactions using a range of payment methods, create and pay invoices, categorise and have oversight of your income and expenditure, and integrate with accountancy software. • Linked to your Tide Platform Account, you will also have a Tide Business Account, which is provided by ClearBank. The Money you deposit into the Tide Business Account is deposited with ClearBank. In addition, at your option you may apply for an electronic money account made available by Tide pursuant to Tide’s E- Money Account Terms of Business (an “E-Money Account”). • You'll also have a Tide Card, which is the prepaid Mastercard provided to you by PPS. The Tide Card is linked to the Tide Business Account so that card payments made using your Tide Card will be deducted automatically from your Tide Business Account. • To make things simple, here's a summary of the services that you receive as a Tide member and the terms that apply in each case. -
Personal Banking Service Quality – Great Britain Independent Service Quality Survey Results Personal Current Accounts
Personal banking service quality – Great Britain Independent service quality survey results Personal current accounts Published February 2021 As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey. These results are from an independent survey carried out between January 2020 and December 2020 by Ipsos MORI as part of a regulatory requirement, and we have published this information at the request of the providers and the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we are not giving you any advice or making any recommendation to you. Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family. The results show the proportion of customers, among those who took part in the survey, of each provider who said they were ’extremely likely’ or ‘very likely’ to recommend each service. Participating providers: Bank of Scotland, Barclays, Clydesdale Bank*, first direct, Halifax, HSBC UK, Lloyds Bank, Metro Bank, Monzo, Nationwide, NatWest, Royal Bank of Scotland, Santander, Starling Bank, Tesco Bank, The Co-operative Bank, TSB, Virgin Money and Yorkshire Bank*. Approximately 1,000 customers a year are surveyed across Great Britain for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period. -
Day One: March 24Th
Day One: March 24th 09:00 FinTech Network Welcome: Hannah Kitchen, Conference Organiser 09:15 Chairperson’s Introduction & Welcome: Graham Cressey, Open Data Stream Lead, FinTech Innovation Lab, Accenture 09:30 Open Banking and Digital Ecosystems: BBVA's key learnings. • Explore digital ecosystems as one of the key points for the connection and relationship between consumers and service providers today • Discuss if the need for financial services is efficiently met and how to improve current inefficiencies • Analyse how Open banking is an enabler of these relationships and the new opportunities it brings for innovation and growth Ana Climente, Head of Open Banking Spain, BBVA 10:00 Leveraging the Core Values of your Business Model in an Open Banking Environment • Gain insight on the methods Handelsbanken is employing to integrate an open value chain into their existing unique business model • Learn why Handelbanken’s branches are a key component of creating an open value chain and how they ensure synergy between branches and corporate strategies • Hear Handlesbanken’s case study on how collaboration is a key element for creating a business model fit for the 2020 open banking landscape Malin Lignell, Digitalisation and Innovation, Handelsbanken 10:30 Panel Discussion: Driving Open Banking Forward – Regulatory Guidance • Review recent regulatory activity relating to open banking and hear an overview of expected future developments to ensure your compliance strategies align • Discuss collaboration between banks and regulators to understand -
Starling Boss
The Sunday Times August 11, 2019 BUSINESS PHIL YEOMANS were having a great time.” She took an MBA at Middlesex University and left. The next stop was Price Waterhouse, where she did strategy work with big banks, then Zurich with UBS. Stints at Starling insurer Aon and ABN Amro followed. In 2012, Boden became chief operating officer of AIB, the nationalised lender, where she worked under David Duffy, now boss of Virgin Money owner CYBG. While at AIB, she took holidays to America and Australia to see how other boss: our banks were trying to repair their balance sheets and customers’ trust after the financial crisis. She decided the only way to improve things was to start from scratch. “Fixing the old banking system was terribly difficult to do,” she says. “Not because people didn’t have enough intel- tech will lectual horsepower, or they didn’t want to do it, but the problem was difficult.” let us fly Boden, who was called crazy more I was coding all The big banks have been beating a path night while all to the door of the mobile-only start-up’s the investment founder to see how things are done and corporate 6m. “In terms of the retail banking fight, bankers were INTERVIEW Revolut and Monzo are acquiring more customers, but Starling has more of a having a great time LIAM KELLY range,” says David Brear, founder of fin- AND EMMA DUNKLEY tech consultancy 11:FS. “I think they are presenting a good case for an acquisition than once after launching Starling, met [by one of the big banks].” reclusive hedge fund tycoon Harald he windows of Starling Bank’s Boden, who owns 13% of Starling, says: McPike and flew to the Bahamas, where headquarters on the edge of “I hope we have an independent future he keeps his yacht, to pitch her idea. -
Swimming Against the Tide?: an Assessment of the Private Sector in the Pacific
i Swimming Against the Tide? An Assessment of the Private Sector in the Pacific Paul Holden, Malcom Bale, and Sarah Holden 2004 ii © Asian Development Bank 2004 All rights reserved The views expressed in this book are those of the authors and do not necessarily reflect the views and policies of the Asian Development Bank (ADB), its Board of Governors, or the governments they represent. ADB does not guarantee the accuracy of the data included in this publication and accepts no responsibility for any consequences of their use. Use of the term “country” does not imply any judgment by the authors or ADB as to the legal or other status of any territorial entity. ISBN 971–561–534–1 Publication Stock No. 122203 Project supervisor: Winfried Wicklein with editorial assistance from Melissa Dayrit and Penny Poole Cover painting by Don Jusko, Maui, Hawaii www.mauigateway.com/~donjusko/waves.htm www.mauigateway.com/~donjusko/newcolorwheel.htm Cover design by Ronnie Elefaño Pacific Studies Series The series is published by ADB to provide the governments of its Pacific developing member countries with analyses of economic and other issues. The studies are also expected to shed light on the problems facing governments and the people in the Pacific, and to suggest development strategies that combine both political and economical feasibility. Recent Publications Pursuing Economic Reform in the Pacific (October 1999) Reforms in the Pacific: An Assessment of the ADB’s Assistance for Reform Programs in the Pacific (October 1999) Republic of the Fiji Islands: