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Doing Business Guide in EMEIA: Payroll Operations
Payroll Operations in Europe, the Middle East, India and Africa — essential compliance and reporting considerations Introduction This booklet contains market-by-market newly established, stand-alone guidance1 on key HR payroll matters to operations. Where the EMEIA operation be considered as you expand your is a regional headquarters or a holding operations across EMEIA. company for foreign subsidiaries, or if In our experience, careful consideration there are existing operations in EMEIA, of these matters at the outset is the other considerations must be taken into most effective way of avoiding any account. issues and ensuring an optimal setup In all situations, we recommend that you structure of your business and seek specific professional advice from employees in new EMEIA markets. the contacts listed in each chapter. They This booklet is general in nature and not will take into consideration your specific to be relied on as professional advice. circumstances and objectives. Furthermore, the chapters focus on NB: This guide will work best with Adobe Acrobat Pro. 1 This information was compiled in July 2019. 2 Payroll Operations in Europe, the Middle East, India and Africa — essential compliance and reporting considerations EY contacts Payroll Operate Services Sheri Sullivan Michael Van Den Brand EY Global Payroll Operate Leader EY EMEIA Payroll Operate Leader T: +17168435050 T: +34 933 666 340 E: [email protected] E: [email protected] Country Payroll leader Email address Armenia Kamo Karapetyan [email protected] -
Retitling, Cultural Appropriation, and Aboriginal Title
1 Retitling, Cultural Appropriation, and Aboriginal Title by Michel-Antoine Xhignesse Capilano University [email protected] This is a penultimate draft. Please cite the final version: Xhignesse, Michel-Antoine (2021). Retitling, Cultural Appropriation, and Aboriginal Title. British Journal of Aesthetics 61 (3) :317-333. Abstract: In 2018, the Art Gallery of Ontario retitled a painting by Emily Carr which contained an offensive word. Controversy ensued, with some arguing that unsanctioned changes to a work’s title infringe upon artists’ moral and free speech rights. Others argued that such a change serves to whitewash legacies of racism and cultural genocide. In this paper, I show that these concerns are unfounded. The first concern is not supported by law or the history of our titling practices; and the second concern misses the mark by ignoring the gallery’s substantial efforts to avoid just such an outcome. Picking up on a suggestion from Loretta Todd, I argue that we can use Aboriginal Title as a model for thinking about the harms perpetuated by cultural appropriation, and the practices we should adopt to mitigate them. 2 Retitling, Cultural Appropriation, and Aboriginal Title 1. Introduction In 2018, the Art Gallery of Ontario (AGO) retitled a painting by Emily Carr: formerly known as The Indian Church (1929), it is now called Church at Yuquot Village.1 The move sparked controversy nationwide: some worried that changing a work’s artist-given title changes its associated work, and that such unsanctioned changes to a work infringe upon artists’ moral rights; others worried that the change papered over Canada’s shameful history of Indigenous-Crown (and -settler) relations, including the state’s legacy of cultural genocide. -
Payments Insights. Opinions. Volume 24
#payments insights. opinions. Tap. Touch. Speak. Grab and Seven themes impacting the future of payments go. The way we make payments is changing faster than any Winners in the future payments ecosystem will be those that make the right decisions other area of financial services. today. Understanding these seven key themes reshaping payments will help leaders make those decisions and determine how best to differentiate themselves in this New technology and changing fast-changing landscape. customer expectations are shattering the status quo and ushering in a growing number Continued on page 3 of new players that are challenging the traditional role of banks. Volume 24 03 Seven themes impacting the future of payments Understanding the themes transforming payments can help banks make strategic investment decisions and emerge as winners. 07 Why real-time payments are the new normal — and how payments providers can adapt As RTP schemes expand, providers will need to assess readiness and define a clear strategy for platforms, operations, risk and customer experience. Editorial 10 How the mPOS business model expands This newsletter comes to you as many of us prepare to meet again at beyond payments acceptance Sibos – the world’s premier financial services event, held this year in London, 23 to 26 September 2019. EY is a proud sponsor of Sibos, and commends As pure payments acceptance becomes a their efforts to bring together the global financial services and payments commodity for smaller merchants and fees from transaction processing come under community. pressure, mPOS providers are putting a This year’s theme is an exciting one that touches on many of the issues we strategic focus on value-added services to are covering in this #payments issue: “Thriving in a hyperconnected world” continue their high growth. -
Interim Report-The Committee for Promoting Use of Advanced Means
Interim Report The Committee for Promoting November Use of Advanced Means of 2015 Payment in Israel Interim Report of the Committee for Promoting Use of Advanced Means of Payment in Israel Table of Contents 1. Introduction .................................................................................................................... 2 2. Executive summary ........................................................................................................ 3 3. Introduction .................................................................................................................... 6 4. Overview of advanced means of payment world-wide .................................................. 8 5. Overview of advanced means of payment in Israel ..................................................... 10 6. Advantages of using advanced means of payment ....................................................... 17 7. Alternatives for conducting transactions using advanced means of payment in the current payment systems .......................................................................................................... 19 8. Barriers to using advanced means of payment ............................................................. 23 9. Risk associated with use of advanced means of payment ............................................ 26 10. Legal aspects related to promoting use of advanced means of payment...................... 31 11. Summary and recommendations ................................................................................. -
Noms Et Déplacements Étude De L'espace-Temps Dans Les Romans Autochtones, Canadiens Et Québécois Du Xxie Siècle Zishad La
Noms et déplacements Étude de l’espace-temps dans les romans autochtones, canadiens et québécois du XXIe siècle Zishad Lak Thèse soumise à la Faculté des arts dans le cadre des exigences du programme de doctorat en lettres françaises et en études canadiennes Département de français Faculté des arts Université d’Ottawa © Zishad Lak, Ottawa, Canada, 2020 REMERCIEMENTS Je tiens à remercier mon directeur de thèse, M. Patrick Imbert qui m’a offert la liberté absolue d’aborder des sujets qui ne croisent pas toujours son domaine de recherche et des points de vue qui ne sont pas toujours les siens. Merci à mes chers grands-parents Hosseinali Yousefi et Zahra Esmaili, à ma mère Manijeh Yousefi, à ma sœur Gelareh Lak, à Nora, à Mohammad et Manouchehr Yousefi, à Kimia, à Kiarash et à Mojgan Fazeli, des gens qui m’ont appris à mieux aimer. Je suis devenue deux fois mère pendant ce parcours et je suis redevable à mes chéri.e.s Nikan et Emiliana Lak-McArthur pour tout ce qu’il et elle m’offrent tous les jours. Je vous aime! Je suis aussi redevable à mon ami précieux Pierre-Luc Landry, qui m’inspire, m’encourage et m’envoie de la musique quotidiennement. Je t’aime. Et finalement, mon compagnon Andrew McArthur m’a soutenue de mille façons différentes, en m’offrant des chips, des conseils, du temps, de l’écoute et surtout de l’amour. Nous continuons à nous métamorphoser ensemble. ii À Andrew À Nikan À Emiliana Et à la mémoire de mon grand-père iii RÉSUMÉ Le colonialisme européen depuis des siècles passe par l’établissement d’une temporalité dominante et hégémonique. -
A Glossary of Mississippi Valley French, 1673-1850 (Price, $1.50) by John Francis Mcdermott
rtlSTpRjC^y, SUkxm tifirVB^SITY OF uimm: A Glossary OF Mississippi Valley French 1673-1850 BY JOHN FRANCIS McDERMOTT WASHINGTON UNIVERSITY STUDIES -NEW SERIES LANGUAGE AND LITERATURE — No. 12 DECEMBER, 1941 Washington University George R. Throop, Ph.D., LL.D., Bridge Chancellor Walter E. McCourt, A.M., Assistant Chancellor The College of Liberal Arts Frank M. Webster, Ph.B., Acting Dean The School of Engineering Alexander S. Langsdorf, M.M.E., Dean Tlie School of Architecture Alexander S. Langsdorf, M.M.E., Dean The School of Business and Public Administration William H. Stead, Ph.D., Dean Tlie Henry Shaw School of Botany George T. Moore, Ph.D., Director The School of Graduate Studies Richard F. Jones, Ph.D., Acting Dean The School of Law Joseph A. McClain, Jr., A.B., LL.B., J.S.D., LL.D., Dean The School of Medicine Philip A. Shaffer, Ph.D., Dean The School of Dentistry Benno E. Lischer, D.M.D., Dean The School of Nursing Louise Knapp, A.M., Director The School of Fine Arts Kenneth E. Hudson, B.F.A., Director University College William G. Bowling, A.M., Dean The Summer School Frank L. Wright, A.M., Ed.D., Director Mary Institute, a preparatory school for girls, located at Ladue and Warson Roads, is also conducted under the charter of the University. A GLOSSARY of MISSISSIPPI VALLEY FRENCH 1673-1850 A GLOSSARY of MISSISSIPPI VALLEY FRENCH 1673-1850 By JOHN FRANCIS McDERMOTT ASSISTANT PROFESSOR OF ENGLISH WASHINGTON UNIVERSITY WASHINGTON UNIVERSITY STUDIES—NEW SERIES Language and Literature—No. 12 St. Louis, 1941 Copyright 1941 by Washington University St. -
Criminal Background Check Procedures
Shaping the future of international education New Edition Criminal Background Check Procedures CIS in collaboration with other agencies has formed an International Task Force on Child Protection chaired by CIS Executive Director, Jane Larsson, in order to apply our collective resources, expertise, and partnerships to help international school communities address child protection challenges. Member Organisations of the Task Force: • Council of International Schools • Council of British International Schools • Academy of International School Heads • U.S. Department of State, Office of Overseas Schools • Association for the Advancement of International Education • International Schools Services • ECIS CIS is the leader in requiring police background check documentation for Educator and Leadership Candidates as part of the overall effort to ensure effective screening. Please obtain a current police background check from your current country of employment/residence as well as appropriate documentation from any previous country/countries in which you have worked. It is ultimately a school’s responsibility to ensure that they have appropriate police background documentation for their Educators and CIS is committed to supporting them in this endeavour. It is important to demonstrate a willingness and effort to meet the requirement and obtain all of the paperwork that is realistically possible. This document is the result of extensive research into governmental, law enforcement and embassy websites. We have tried to ensure where possible that the information has been obtained from official channels and to provide links to these sources. CIS requests your help in maintaining an accurate and useful resource; if you find any information to be incorrect or out of date, please contact us at: [email protected]. -
The Credit Card Industry in Israel
The credit card industry in Israel David Gilo, Faculty of Law, Tel-Aviv University Yossi Spiegel, Faculty of Management, Tel Aviv University, September 2005 2 Major Israeli banks and their credit card companies Banks and market shares in 2004 1998 – 2000 2000 – 2005 in terms of deposits by the public Bank Hapoalim - 29.8% Isracard (100% owned): Isracard (100% owned): • Isracard (100%) • Isracard (100%) • Mastercard (100%) • Mastercard (≈ 100%) • American Express (100%) • American Express (100%) • Visa (N/A) Bank Leumi - 25.6% CAL (65% owned): Leumi Card (100% owned): • Visa (84%) • Visa Leumi (≈ 50%) • Mastercard (N/A) Israel Discount Bank - 17.6% CAL (35% owned) CAL (51% owned): • Visa (≈ 50%) • Mastercard (N/A) Bank Hamizrachi - 10.7% First Int'l Bank - 8.5% Alpha Card (67% owned): CAL (20% owned) • Visa (16%) 3 Credit cards and market shares in acquisition (most of the data is from 2001) Credit card Cards Number of cards Market share in company (in millions) acquiring Isracard Isracard 1.1 47% Mastercard 0.3 American Express 0.15 Visa N/A Cal Visa Cal 1.1 31.8% Mastercard N/A Diners card 0.16 Leumi Card Visa Leumi 1.2 15.3% (2004) Mastercard N/A Others 5.9% Total active cards 3.8 (2004) Number of active cards grew at an annual rate of 9.1% since 1982 (from 0.55 million) 4 Main features of Israeli credit cards !"Deferred debit cards; virtually no credit cards and no debit cards !"Credit cards are also ATM cards and in effect are tied with bank accounts (Bank Leumi's clients were unilaterally transferred from CAL). -
Designing Names: Requisite Identity Labour for Migrants’ Be(Long)Ing in Ontario
Designing Names: Requisite Identity Labour for Migrants’ Be(long)ing in Ontario by Diane Yvonne Dechief A thesis submitted in conformity with the requirements for the degree of Doctor of Philosophy Faculty of Information University of Toronto © Copyright by Diane Yvonne Dechief 2015 Designing Names: Migrants’ Identity Labour for Be(long)ing in Ontario Diane Yvonne Dechief Doctor of Philosophy Faculty of Information University of Toronto 2015 Abstract This dissertation responds to the question of why people who immigrate to Ontario, Canada frequently choose to use their personal names in altered forms. Between May and December 2010, I engaged in semi-structured interviews with twenty-three people who, while living in Ontario, experienced name challenges ranging from persistent, repetitive misspellings and mispronunciations of their original names to cases of significant name alterations on residency documents, and even to situations of exclusion and discrimination. Drawing on critical perspectives from literature on identity and performativity, science and technology studies, race and immigration, affect, and onomastics (the study of names), I establish that name challenges are a form of “identity labour” required of many people who immigrate to Ontario. I also describe how individuals’ identity labour changes over time. In response to name challenges, and the need to balance between their sometimes-simultaneous audiences, participants design their names for life in Ontario—by deciding which audiences to privilege, they choose where they want to belong, and how their names should be. ii Acknowledgments Thank you very, very much to this study’s participants. You were so generous with your stories, and you articulated your thoughts and your concerns in such novel and passionate ways. -
The Credit Card Industry in Israel
Preliminary and incomplete The credit card industry in Israel David Gilo* and Yossi Spiegel** September 2005 Abstract: Since 1998, the Israeli credit card industry was transformed from a duopoly with two credit card companies which offer proprietary cards to a triopoly with two large open systems, Visa and Mastercard, which are issued and acquired by each of the three credit card companies. Regulatory intervention by the Israeli Antitrust Authority (IAA) played a key role in bringing about this structural change. In this paper we first review the Israeli credit card industry and then discuss in detail the regulatory intervention by the IAA. * The Buchmann Faculty of Law, Tel-Aviv University, Ramat Aviv, Tel Aviv, 69978, Israel, email: [email protected]. ** Faculty of Management, Tel Aviv University, Ramat Aviv, Tel Aviv, 69978, Israel. Email: [email protected], http://www.tau.ac.il/~spiegel Both authors were economic experts for Supersol (the largest supermarket chain in Israel) in the Israeli credit card case. 1 1. A brief history of the credit card industry in Israel Until 1998, there were two main players in the Israeli credit cards industry: Isracard, which was established in 1975 and is 100% owned by the largest bank in Israel, Bank Hapoalim, and CAL which was established in 1978 and was jointly owned at the time by the second largest bank in Israel, Bank Leumi (65%), and the third largest bank, Israel Discount Bank (35%). Isracard issued its own brand of credit card, called Isracard, for domestic use in Israel, and Mastercard and American express card for use in Israel and abroad, while CAL issued both Visa cards, under the brand name Visa CAL, and Diners Club cards. -
Canadian Literature Versita Discipline: Language, Literature
Edited by Pilar Somacarrera Made in Canada, Read in Spain: Essays on the Translation and Circulation of English- Canadian Literature Versita Discipline: Language, Literature Managing Editor: Anna Borowska Language Editor: Barry Keane Published by Versita, Versita Ltd, 78 York Street, London W1H 1DP, Great Britain. This work is licensed under the Creative Commons Attribution-NonCommercial- NoDerivs 3.0 license, which means that the text may be used for non-commercial purposes, provided credit is given to the authors. Copyright © 2013 Pilar Somacarrera for Chapters 1, 5 and 6; Nieves Pascual for chapter 2; Belén Martín-Lucas for chapter 3; Isabel Alonso-Breto and Marta Ortega-Sáez for chapter 4; Mercedes Díaz-Dueñas for chapter 7 and Eva Darias- Beautell for chapter 8. ISBN (paperback): 978-83-7656-015-1 ISBN (hardcover): 978-83-7656-016-8 ISBN (for electronic copy): 978-83-7656-017-5 Managing Editor: Anna Borowska Language Editor: Barry Keane www.versita.com Cover illustration: ©iStockphoto.com/alengo Contents Acknowledgments ..............................................................................................8 Introduction ...................................................................................................... 10 Chapter 1 Contextual and Institutional Coordinates of the Transference of Anglo-Canadian Literature into Spain / Pilar Somacarrera ........... 21 1. A Terra Incognita Becomes Known .................................................................................21 2. Translation, the Literary Field and -
CG Gateway Redirect (MPI) Hosted Payment Page
CG Gateway Redirect (MPI) Hosted Payment Page Implementation & Integration API Document Version: 2.3 Date: 21/06/2020 CreditGuard 2020 LTD © All rights reserved Page 1 of 50 CreditGuard Ltd. 18 Ben Gurion st., Givat Shmuel T: +972 3 7370700 F: +972 3 7370790 PREFACE .............................................................................................................................................................................. 4 1. OVERVIEW 4 2. RELATED DOCUMENTS 4 3. TERMS 4 4. GENERAL FLOW 4 5. PROCESS DIAGRAM 5 HOW TO SEND REQUESTS TO CG GATEWAY ? ...................................................................................................................... 6 1. OVERVIEW 6 2. HTTPS POST REQUEST INTERFACE 6 3. CG GATEWAY WEB SERVICE INTERFACE 7 SIMPLE CREDIT CARD TRANSACTION SETUP ........................................................................................................................ 9 1. OVERVIEW 9 2. TRANSACTION SETUP 9 3. HOSTED PAYMENT PAGE 15 4. TRANSACTION LANDING PAGES 17 5. USING DYNAMIC LANDING PAGE URLS 19 6. TRANSACTION VALIDATION 20 7. TRANSACTION QUERY 20 8. RESPONSE MAC VALIDATION 24 9. CREDIT CARD TOKENIZATION 25 26 ...................................................................................... (עסקת תשלומים) ADDING INSTALLMENTS TO THE PAYMENT PAGE 1. OVERVIEW 26 2. TRANSACTION SETUP 27 3. HOSTED PAYMENT PAGE 28 ADDING PAYPAL OPTION TO THE PAYMENT PAGE ............................................................................................................. 32 1. OVERVIEW 32