Podcasts about Financial Services Agency

Welcome in! You've entered, Only Malware in the Building. Join us each month to sip tea and solve mysteries about today's most interesting threats. Your host is ⁠⁠Selena Larson⁠⁠, ⁠⁠Proofpoint⁠⁠ intelligence analyst and host of their podcast ⁠⁠DISCARDED⁠⁠. Inspired by the residents of a building in New York's exclusive upper west side, Selena is joined by her co-hosts ⁠⁠N2K Networks⁠⁠ ⁠⁠Dave Bittner⁠⁠ and ⁠Keith Mularski⁠, former FBI cybercrime investigator and now Chief Global Ambassador at ⁠Qintel⁠. Being a security researcher is a bit like being a detective: you gather clues, analyze the evidence, and consult the experts to solve the cyber puzzle. On this episode, our hosts discuss Chinese-speaking threat actors are targeting Japan with a massive phishing campaign using a sneaky new kit called CoGUI, which has hit organizations with over 170 million messages in a single month. The campaign mimics trusted brands like Amazon, PayPay, and Rakuten to steal login and payment info—lining up with warnings from Japan's Financial Services Agency about attackers cashing out and buying Chinese stocks. While the CoGUI kit is slick with its evasion tricks and browser profiling, your hosts are hot on its trail with new detections to help stop the phishing frenzy.

スルガ銀行の看板スルガ銀行は１３日、投資用のアパートやマンションへの不正融資問題を巡り、金融庁から銀行法に基づく報告徴求命令を受けたと発表した。 Japan's Financial Services Agency has ordered Suruga Bank to report on measures to address problems linked to its improper loans to owners of apartments and condominiums for investment, the regional bank said Tuesday.

Adversary nations are using ClickFix in cyber espionage campaigns. Japan's Financial Services Agency issues an urgent warning after hundreds of millions in unauthorized trades. The critical Erlang/OTP's SSH vulnerability now has public exploits. A flawed rollout of a new Microsoft Entra app triggers widespread account lockouts.  The alleged operator of SmokeLoader malware faces federal hacking charges. A new scam blends social engineering, malware, and NFC tech to drain bank accounts. GSA employees may have been oversharing sensitive documents. Yoni Shohet, Co-Founder and CEO of Valence Security, who cautions financial organizations of coming Chinese open source AI. Crosswalks in the crosshairs of satirical hacking. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest We are joined by Yoni Shohet, Co-Founder and CEO of Valence Security, discussing how the onslaught of more open source AI tools coming out of China will be difficult to manage for companies especially those in the financial sector. Selected Reading North Korea, Iran, Russia-Backed Hackers Deploy ClickFix in New Attacks (Hackread) Countries Shore Up Their Digital Defenses as Global Tensions Raise the Threat of Cyberwarfare (SecurityWeek) Japan warns of hundreds of millions of dollars in unauthorized trades from hacked accounts (The Record) Critical Erlang/OTP SSH RCE bug now has public exploits, patch now (Bleeping Computer) Widespread Microsoft Entra lockouts tied to new security feature rollout (Bleeping Computer) Alleged SmokeLoader malware operator facing federal charges in Vermont (The Record) New payment-card scam involves a phone call, some malware and a personal tap (The Record) Sensitive files, including White House floor plans, shared with thousands (The Washington Post) Hacking US crosswalks to talk like Zuck is as easy as 1234 (The Register)  Share your feedback. We want to ensure that you are getting the most out of the podcast. Please take a few minutes to share your thoughts with us by completing our brief listener survey as we continually work to improve the show.  Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

金融庁、東京都千代田区証券会社のオンライン取引に利用される口座が何者かに乗っ取られ、株を勝手に売買される被害が相次いでいる問題で、金融庁は１８日、２月１日から４月１６日までの間に楽天証券や野村証券など６社で合計１４５４件の不正取引があったと発表した。 The Financial Services Agency said Friday that it found 1,454 transactions made through hacked online accounts at six securities companies in Japan between Feb. 1 and April 16.

The Financial Services Agency said Friday that it found 1,454 transactions made through hacked online accounts at six securities companies in Japan between Feb. 1 and April 16.

金融庁、東京都千代田区損害保険会社が保険代理店への出向社員らから保険契約者情報を不正に取得していた問題で、金融庁は２４日、東京海上日動火災保険など損保大手４社に対し、保険業法に基づく業務改善命令を出した。 Japan's Financial Services Agency issued business improvement orders to four major nonlife insurers on Monday for improperly obtaining information on rivals' customers through their employees on loan to insurance agents.

Japan's Financial Services Agency issued business improvement orders to four major nonlife insurers on Monday for improperly obtaining information on rivals' customers through their employees on loan to insurance agents.

佐藤壮一郎・元裁判官金融庁出向中に業務で知ったＴＯＢ情報で、複数社の株をインサイダー取引したとして、金融商品取引法違反罪に問われた元裁判官佐藤壮一郎被告の初公判が１９日、東京地裁であり、被告は「間違いありません」と述べ、起訴内容を認めた。 A former judge accused of insider trading using information obtained while working on loan at the Financial Services Agency admitted to the allegation in a trial at Tokyo District Court on Wednesday.

A former judge accused of insider trading using information obtained while working on loan at the Financial Services Agency admitted to the allegation in a trial at Tokyo District Court on Wednesday.

Japan is making big moves in AI, blockchain, and digital asset regulation. In this special episode—filmed live at the Singapore Fintech Festival 2024 with The Founders Peak Unplugged—Arjun sits down with Ryosuke Ushida, Chief Fintech Officer at Japan's Financial Services Agency, to discuss the country's fintech future.  What's inside: ✅ Japan's fintech regulations—innovation vs. compliance  ✅ AI, blockchain, and stablecoin policies  ✅ Financial inclusion & fintech's role in the silver economy  ✅ Cybersecurity, AML/CFT & protecting financial systems  ✅ Why Japan is a rising fintech hub 

金融庁とイオン銀行の看板金融庁は２６日、イオン銀行に対し、マネーロンダリング対策に不備があるとして、銀行法に基づく業務改善命令を出した。 Japan's Financial Services Agency issued a business improvement order to Aeon Bank on Thursday accusing it of deficiencies in its fight against money laundering.

Japan's Financial Services Agency issued a business improvement order to Aeon Bank on Thursday accusing it of deficiencies in its fight against money laundering.

金融庁、東京都千代田区金融庁は７日に開いた金融審議会の作業部会で、海外に拠点を置く暗号資産交換業者の破綻で顧客資産が海外に流出するのを防ぐため、交換業者に対し国内保有命令を出せるよう資金決済法の改正を行う案を示した。 Japan's Financial Services Agency on Thursday proposed creating a bill to revise the payment services law to prevent outflows of crypto assets of Japanese investors to other countries.

Japan's Financial Services Agency on Thursday proposed creating a bill to revise the payment services law to prevent outflows of crypto assets of Japanese investors to other countries.

Japan's Financial Services Agency has fined Nomura Securities Co. 21.76 million yen for manipulating the Japanese government bond futures market.

金融庁と野村証券の看板金融庁は３１日、国債先物取引で相場操縦を行ったとして、野村証券に対し金融商品取引法に基づき２１７６万円の課徴金を納付するよう命じたと発表した。 Japan's Financial Services Agency has fined Nomura Securities Co. 21.76 million yen for manipulating the Japanese government bond futures market.

Japan's Financial Services Agency is conducting an on-site inspection of car sales company Toyota Mobility Tokyo Inc., a wholly-owned subsidiary of Toyota Motor Corp., based on the insurance business law, it has been learned.

金融庁の看板金融庁が、トヨタ自動車の完全子会社で自動車販売のトヨタモビリティ東京に対し、保険業法に基づく立ち入り検査を実施していることが２２日、分かった。 Japan's Financial Services Agency is conducting an on-site inspection of car sales company Toyota Mobility Tokyo Inc., a wholly-owned subsidiary of Toyota Motor Corp., based on the insurance business law, it has been learned.

最高裁判所の石碑看板、東京都千代田区金融庁に出向中の裁判官が、業務で知ったＴＯＢ情報などを基に企業の株式を売買した疑いがあるとして、証券取引等監視委員会が金融商品取引法違反容疑で強制調査していたことが１９日、関係者への取材で分かった。 Japan's Securities and Exchange Surveillance Commission has conducted compulsory probes into a judge seconded to the Financial Services Agency on suspicion of insider trading in shares, sources said Saturday.

きらやか銀行本店、山形市じもとホールディングスが、傘下のきらやか銀行に注入された公的資金２００億円について、９月末の返済期限を１３年延期する方向で金融庁と最終調整していることが３０日、分かった。 Japanese regional banking group Jimoto Holdings Inc. is in the final phase of talks with the Financial Services Agency on pushing back by 13 years the Sept. 30 deadline for a subsidiary's repayment of 20 billion yen in public funds, it was learned Friday.

Japanese regional banking group Jimoto Holdings Inc. is in the final phase of talks with the Financial Services Agency on pushing back by 13 years the Sept. 30 deadline for a subsidiary's repayment of 20 billion yen in public funds, it was learned Friday.

Vandalism at Yasukuni Shrine; Financial Services Agency to Revise Supervisory Guidelines, & more… English news from Japan for August 19th, 2024. Transcription available at https://japandailynews.com/2024/08/19/news.html

財務省と金融庁、日銀の情報交換会合後に記者団の取材に応じる財務省の三村淳財務官、６日午後、同省財務省と金融庁、日銀は６日午後、国際金融資本市場に関する情報交換会合を財務省内で開き、株価や為替相場の急変動が続いていることなどについて協議した。 Japan's Finance Ministry and Financial Services Agency and the Bank of Japan on Tuesday reaffirmed their cooperation in response to the current turbulent stock and currency markets.

Japan's Finance Ministry and Financial Services Agency and the Bank of Japan on Tuesday reaffirmed their cooperation in response to the current turbulent stock and currency markets.

金融庁、東京都千代田区損害保険大手が顧客の契約情報を漏えいした問題で、金融庁が損害保険ジャパンなど４社に対し、保険業法に基づく報告徴求命令を出したことが２３日、分かった。 Sompo Japan Insurance Inc. said Tuesday that it has been ordered by the Financial Services Agency to report on cases in which its employees on loan to insurance agencies inappropriately shared policyholder information with the nonlife insurer.

Sompo Japan Insurance Inc. said Tuesday that it has been ordered by the Financial Services Agency to report on cases in which its employees on loan to insurance agencies inappropriately shared policyholder information with the nonlife insurer.

損害保険ジャパンが企業向け保険料を他の大手損保と事前調整した問題で、独禁法違反の疑いのある件数を金融庁に過少申告していたことが１７日までに、分かった。 Sompo Japan Insurance Inc. underreported suspected antimonopoly law violations and quasi-violations to the Financial Services Agency, it has been learned.

Sompo Japan Insurance Inc. underreported suspected antimonopoly law violations and quasi-violations to the Financial Services Agency, it has been learned.

三菱ＵＦＪフィナンシャル・グループの看板、１４日午後、東京都千代田区証券取引等監視委員会は１４日、顧客企業の同意を得ずに内部情報を共有したなどとして、三菱ＵＦＪフィナンシャル・グループ傘下の三菱ＵＦＪ銀行のほか、三菱ＵＦＪモルガン・スタンレー証券とモルガン・スタンレーＭＵＦＧ証券に対し行政処分を行うよう金融庁に勧告した。 Japan's Securities and Exchange Surveillance Commission on Friday recommended that the Financial Services Agency impose administrative penalties on three units of Mitsubishi UFJ Financial Group Inc., including for sharing information about customers without their consent.

Japan's Securities and Exchange Surveillance Commission on Friday recommended that the Financial Services Agency impose administrative penalties on three units of Mitsubishi UFJ Financial Group Inc., including for sharing information about customers without their consent.

金融庁、東京都千代田区金融庁が１２日公表した少額投資非課税制度の利用状況調査によると、３月末時点の口座数は２３２２万７８４８口座と、昨年末時点から約１８６万口座増えた。 The number of accounts for the NISA tax exemption program for small-lot investors as of the end of March increased by 1.86 million from three months before, the Financial Services Agency said Wednesday.

The number of accounts for the NISA tax exemption program for small-lot investors as of the end of March increased by 1.86 million from three months before, the Financial Services Agency said Wednesday.

ＳＯＭＰＯホールディングス本社、東京都新宿区ＳＯＭＰＯホールディングスは１５日、傘下の損害保険ジャパンが持つ政策保有株式をゼロにすると公表した。 Sompo Holdings Inc. said Thursday that subsidiary Sompo Japan Insurance Inc. will reduce its cross-shareholdings to zero in response to the request from the Financial Services Agency.

Sompo Holdings Inc. said Thursday that subsidiary Sompo Japan Insurance Inc. will reduce its cross-shareholdings to zero in response to the request from the Financial Services Agency.

Join Ocean House owner, actor, and bestselling author Deborah Goodrich Royce for a conversation with New York Times and USA Today best selling author Victoria Christopher Murray. Victoria Christopher Murray is the best-selling author of more than 30 novels, including the New York Times Instant Best Sellers, The Personal Librarian, and The First Ladies. In both novels, Victoria co-wrote with Marie Benedict. A native New Yorker, Victoria Christopher Murray attended Hampton University, where she majored in Communication Disorders. After graduating, Victoria attended New York University's Stern Business School, where she received her MBA in Marketing. Victoria spent ten years in Corporate America before she tested her entrepreneurial spirit. She opened a Financial Services Agency for Aegon, USA, where she managed the number one division for nine consecutive years. However, Victoria always dreamed of writing and in 1997, she pursued her dream. Find out more about Victoria Christopher Murray and her books at victoriachristophermurray.com. For more information on Deborah Goodrich Royce and the Ocean House Author Series, visit deborahgoodrichroyce.com.

Yuta Takanashi, director for International Digital Strategy and Policy at the Financial Services Agency in Japan, Kristin Smith, executive director at the Blockchain Association, and Rebecca Rettig, general counsel at the Aave Cos., join CoinDesk's U.S regulatory reporter Cheyenne Ligon to discuss the government role in the regulation of DeFi.They discuss what exactly DeFi is and why it is important for the government to learn about the decentralized system and why people in the DeFi community should speak with policymakers before the government issues any regulations or imposes any rules. They go into detail about how certain events, like the collapse of Terra, have aided in the recent push for regulation and what they expect in the future. -The panel discussion took place on June 10, the second day of CoinDesk's Consensus 2022 festival in Austin, Texas. The executive producer for CoinDesk Reports is Jared Schwartz. Nia Freeman edited this episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ＳＭＢＣ日興証券への行政処分について取材に応じる鈴木俊一金融相、７日午後、金融庁ＳＭＢＣ日興証券による相場操縦事件で、金融庁は７日、同社に３カ月間の一部業務停止命令と経営責任の明確化を求める業務改善命令を出した。 Japan's Financial Services Agency on Friday ordered SMBC Nikko Securities Inc. to suspend some operations for three months over a stock price manipulation case.

Japan's Financial Services Agency on Friday ordered SMBC Nikko Securities Inc. to suspend some operations for three months over a stock price manipulation case.

ＳＭＢＣ日興証券の看板ＳＭＢＣ日興証券の相場操縦事件をめぐり、金融庁が同社に一部業務の停止命令を７日に出す方針を固めたことが６日、分かった。 Japan's Financial Services Agency is set to issue a partial business suspension order to SMBC Nikko Securities Inc. on Friday over its involvement in stock price manipulation, it was learned Thursday.

Japan's Financial Services Agency is set to issue a partial business suspension order to SMBC Nikko Securities Inc. on Friday over its involvement in stock price manipulation, it was learned Thursday.

Japan is committed to achieving carbon neutrality by 2050 and reducing greenhouse gas emissions by 46% by 2030. To do so, the country has focused on developing transition finance, an approach designed to support polluting companies that are trying to reduce their carbon footprints. Satoshi Ikeda, chief sustainable finance officer at Japan's Financial Services Agency, spoke with Katerina Atkins, programme coordinator of OMFIF's Sustainable Policy Institute. They discussed Japan's approach to sustainable finance and regulatory practice, guidelines for climate transition finance, transition bond issuance and preventing greenwashing.

In this episode, Steve talks financial services with Takuma Tanaka, Deputy Director of the Strategy Development Division of the Financial Services Agency in Japan (JFSA). The two discuss the opportunities in Financial services in Japan, recent policy changes and the challenges that still remain in the market. Helpful links: International Financial Center Japan https://www.fsa.go.jp/internationalfinancialcenter/en/ JFSA on LinkedIn https://www.linkedin.com/company/financial-services-agency-japan/

On October 28, 2021, the Financial Action Task Force (FATF) released its Updated Guidance For A Risk Based Approach For Virtual Assets and Virtual Asset Providers (guidance or final guidance). The guidance hit on some of the hottest topics in crypto including DeFi, NFTs, unhosted wallets, stablecoins and the travel rule. Here are some takeaways: When it comes to DeFi, you need to use the functional owner/operator test. FATF is less concerned over the use of the term decentralized to describe your business, but rather is focused on whether or not a project is actually decentralized. Just because something is automated does not mean it is decentralized. NFTs are not virtual assets if they are tickets or momentos of an event without a secondary market, but if they transfer value, and/or live and move on a trading platform, they could be virtual assets. VASPs and their regulators may allow for a staged approach when it comes to travel rule implementation, but that staged approach must result in earlier implementation than otherwise would have been the case. Stablecoin issuers and governance bodies could be VASPs and need to build risk-based compliance in order to mitigate risks that may come with mass adoption. Next up for FATF? Working with regulators around the globe on implementation of the standards. Check out TRM's full coverage of FATF's guidance here: https://www.trmlabs.com/post/fatf- provides-final-guidance Joining TRM Talks to discuss the guidance and get clarification on key issues are the chairs of FATF's Virtual Assets Contact Group (VACG), Habuchi Takahide of Japan's Financial Services Agency and Jon Fishman of the U.S. Treasury. This podcast is hosted by TRM Labs, a blockchain analytics company. We work with crypto businesses, financial institutions and government agencies to monitor, detect and investigate fraud and financial crime in crypto. Learn more about how we're building a safer financial system for billions of people here: https://www.trmlabs.com/about

Jenna Barnard and John Pattullo, Co-Heads of Strategic Fixed Income, join Adam Hetts, Global Head of Portfolio Construction and Strategy, to talk through their views on bond markets. They explain why they think bond yields have behaved logically throughout the year and why they disagree with the pervasive linear thinking of higher bond yields ahead. Bond markets are signaling where interest rates are heading but people seem to be oblivious to the message. Key Takeaways Bond yields in 2021 have behaved logically, reacting to the rate of change in economic data. As such, the peak in sovereign bond yields (in March/April) coincided with the peak in acceleration in the rate of economic growth. Yields have since declined with the deceleration in the rate of change of economic data and not, as the media would put it, because of short covering or the Delta variant. A clue to the bond market's thinking on the long-term outlook for rates came after the U.S. Federal Reserve announced two rate hikes in 2023; the yield curve flattened as it would at the end of a hiking cycle, signaling a lower long-term neutral rate of interest. Next spring/summer will prove interesting for the bond investor. This is because we expect to see a reverse base effect – i.e., the base effects that drove inflation up this year will be very hard to beat next year, and we expect to see the first signs of what the structural outlook will be in terms of inflation. We are open‑minded to potential new lows in bond yields occurring next year. Important Information: Janus Henderson Investors is the name under which investment products and services are provided by the entities identified in the following jurisdictions: (a) Europe by Janus Capital International Limited (reg no. 3594615), Henderson Global Investors  Limited (reg. no. 906355), Henderson Investment Funds Limited (reg. no. 2678531), Henderson Equity Partners Limited (reg. no.2606646), (each registered in England and  Wales at 201 Bishopsgate, London EC2M 3AE and regulated by the Financial  Conduct Authority) and Henderson Management S.A. (reg no. B22848 at 2 Rue de Bitbourg, L-1273, Luxembourg and regulated by the Commission de Surveillance du Secteur Financier); (b) the U.S. by SEC registered investment advisers that are subsidiaries of Janus Henderson Group plc; (c) Canada through Janus Capital Management LLC only to institutional investors in certain jurisdictions; (d) Singapore by Janus Henderson Investors (Singapore) Limited (Co. registration no. 199700782N). This advertisement or publication has not been reviewed by Monetary Authority of Singapore; (e) Hong Kong by Janus Henderson Investors Hong Kong Limited. This material has not been reviewed by the Securities and Futures Commission of Hong Kong; (f) Taiwan R.O.C by Janus Henderson Investors Taiwan Limited (independently operated), Suite 45 A-1, Taipei 101 Tower, No. 7, Sec. 5, Xin Yi Road, Taipei (110). Tel: (02) 8101-1001.  Approved SICE licence number 023, issued in 2018 by Financial Supervisory Commission; (g) South Korea by Janus Henderson Investors (Singapore) Limited only to Qualified Professional Investors (as defined in the Financial Investment Services and Capital Market Act and its sub-regulations); (h) Japan by Janus Henderson Investors (Japan) Limited, regulated by Financial Services Agency and registered as a Financial Instruments Firm conducting Investment Management Business, Investment Advisory and Agency Business and Type II Financial Instruments Business; (i) Australia and New Zealand by Janus Henderson Investors (Australia) Limited (ABN 47 124 279 518) and its related bodies corporate including Janus Henderson Investors (Australia) Institutional Funds Management Limited (ABN 16 165 119 531, AFSL 444266) and Janus Henderson Investors (Australia) Funds Management Limited (ABN 43 164 177 244, AFSL 444268); (j) the Middle East by Janus Capital International Limited, regulated by the...

Episode Summary Hosts Nicholas Gandolfo, Director, Corporate Solutions Aditi Bhatia, Regional Sales Manager, Corporate Solutions   In this episode, Nick and Aditi cover some of the recent developments in sustainable finance with market diversification being the common thread. Market volumes continue to increase showing positive year-over-year momentum. Contributing to that growth is new market entries from various sectors as well as a broader scope of activities and projects being funded. With this diversity comes greater scrutiny of the market, especially of issuers and borrowers, their projects and frameworks, as well as their lenders. In our opinion, such scrutiny and debate will ultimately lead to more robust and credible sustainable finance activities.   Climate Transition's Influence on Sustainable Finance  Although not expressly transition, some sustainable financing frameworks and issuances are coming to market in alignment with ICMA's Climate Transition Finance Handbook. Japan's Financial Services Agency has also released its Basic guidelines on climate transition finance with the aim of encouraging the allocation of more funds to contribute to the country's carbon neutrality goals. In response to a listener question, Nick notes the Handbook's use in the sustainability-linked bond and loan frameworks of companies in hard-to-abate sectors.   More Sovereigns Move Forward on Sustainable Debt Sovereigns continue to issue sustainable bonds to support their economic recoveries. Issuances from Germany, the UK and Pakistan made headlines, as did announcements from Canada and Kenya. The principality of Andorra even got in on the action, issuing its first sustainability bond and raising EUR 500 million to finance biodiversity conservation, sustainable water management, employment generation and access to essential services, among other green and social projects. Diversification's Positive Impact on the Market Diversification within the global sustainable debt market continues and we see that as a good thing. The entry of market participants from various sectors and the financing of innovative green and social projects has led to greater debate and scrutiny of the market. Highlighted this month are transactions from companies in real estate, semiconductors, agriculture, rail, household goods, banks, technology, education and the mainstay, renewables. This diversification of sectors and types of projects financed is important for the continued evolution and improvement of the sustainable finance market.  Key Moments 00:08 Introduction 00:46 Market news 01:14 Market volumes up 01:53 Shell landmark court verdict 02:42 Exxon shareholder activism 02:59 IEA “Net Zero by 2050” report 04:36 ICMA additional recommendations for building taxonomies 05:03 ICMA additional guidance for climate transition finance 05:49 Transition bonds in danger? 06:39 Challenges to SLBs 07:28 Update to Sustainability-Linked Loan Principles 08:24 Sustainable Trade Finance 09:12 Oil and gas and sustainability-linked frameworks 10:21 New Climate Bonds Initiative reports 10:44 Hong Kong Monetary Authority guidelines on sustainable finance subsidy program 11:26 Transactions overview 14:53 Social bonds overview 15:49 Green loans and bonds overview 16:24 Sustainability-linked bonds overview 19:42 Listener question 22:11 Sustainability-linked loans overview 24:19 Transition bonds overview 25:21 Labeled products overview 26:08 Regulatory update   Links to Select Resources IEA: Net Zero by 2050 report APLMA/LMA/LSTA: Sustainability-Linked Loan Principles May 2021 Climate Bonds Initiative: Sustainable Debt: Global State of the Market 2020 Post Issuance Reporting in the Green Bond Market 2021 Reports on ASEAN region Regulation Asia: HKMA Issues Guideline on Green & Sustainable Finance Grant Scheme Air Liquide Sustainable Finance Framework Second-Party Opinion Kellogg Sustainability Bond Framework Second-Party Opinion CaixaBank Sustainable Development Goals Framework Second-Party Opinion Weir Group PLC Sustainability-Linked Bond Second-Party Opinion Seaspan Sustainability-Linked Bond Second-Party Opinion Environmental Finance: Japan's FSA publishes bond & loan 'transition finance guidelines' Forbes India: Green bonds, sustainable bonds demand picks up in India in the pandemic era More Episodes

Digital Lending Growth: Is Simple Online User Experience the Key to Retaining and Acquiring Loans?Today's show Digital Lending Growth is brought to you by One Touch Video BankingDan Daggett is a 30-year Credit Union Executive, and founder and President of Daggett Enterprises USA, a Financial Services Agency. Dan is a collaborative intrapreneur whose passion for innovation has resulted in new business lines, new revenue sources, and engaged teams for nearly three decades.Foster Kelly is Direct of Business Development at Rate Reset. Before that, he was a top producer at Churchill Mortgage. His passion for digital lending has fueled part of the innovation with Rate Reset's most powerful solution. Rate Reset is a leader in digital lending with products that help credit unions and banks retain their loans with patented Reset technology.Today we're going to be talking about a hot topic digital lending growth. It has been on the forefront of bank and credit union executives' minds, even before the pandemic. But now since the pandemic, it's top of mind and a top priority. With our guest today, we'll not only talk about how to acquire new customers but also how do you retain and increase wallet share with existing customers?Support the show (http://www.helpinghumans.care)

Japan's Financial Services Agency said Monday that globalization will be a financial administration policy priority in fiscal 2020 to make the country an international financial center.

金融庁は３１日、２０２０年度の重点施策をまとめた「金融行政方針」を正式発表した。 Japan's Financial Services Agency said Monday that globalization will be a financial administration policy priority in fiscal 2020 to make the country an international financial center.

Health is the big issue among us these days. If you have an access to a high standard health care, you would expect longer life. Average life expectancy in the OECD country is 80 years. In such a country, many works require less physical capability and more intellectual ability. So, the age affects jobs. Usually, people serves for one company through their life in Japan. Lifetime employment is common among big companies which rarely lay off employees. The system rely on companies' economic growth. However, these days, big companies such as Toshiba and Fujitsu, laid off a huge number of employee. Most of the workers leaving jobs, are too old to get a new casual job. So they may as well, live on welfare which is covered by tax. Otherwise, they have to survive on the road. We have a high standard of life expectancy among the other OECD country. Not only because of our diet, but the health-care system. 5% of your salary goes to the public health insurance, it covers 70% of your medical bills. Let's call this “worker insurance”. If you are not employed, you are suggested to register on national health insurance which is basically same as worker insurance. When you get older, you need more and more medicare. This year, nearly 30% of our population is 65 or over. Population is lightly declining in Japan. According to the CNN, the rate may soar up to 40% in 2065. And the 124 million population would drop to 88 million. If people retire their job at 65, all of the sudden, country's 40% of people may have to rely on pension. According to the Japan times, the cabinet of minister approved the bill to urge businesses to let employees work until age 70 as the country seeks to expand the working population to cover rising social security costs amid the rapid graying of society. The problem is decreasing population as well. The ministry of health, Labour and Welfare published a report says Japan recorded the lowest birth rate last year. The pension system will not break apart abruptly, but it will. Especially, the people in mid 40s might not get a same amount of pension that 70s receive now. Gradually, poverty is squeezing the country's neck. There are many elements such as homelessness, working poor and non-regular employment. What do you think about the age limit? When should it be? This idea of extending the age limit create opportunities to workers who are willing to work until 70. But, actually, you can work after the retirement without the age limit. Although the limit is suggestion, you would feel so much pressure from your work. If you have no savings and need a money to live at that age, that is company's issue. They should've given more. Last year, a report caused controversy. It says, “if you want to live until 95 with your partner, you need 20 million yen in saving apart from pension.” The number was estimated by Financial Services Agency's council. That was the miscalculation, and simply was exaggerated. However, if you thought you can live on pension. That is wrong. Pension is just an insurance for people who didn't have enough funds to live. If you have plans after the retirement, you have to earn money by yourself. Unless you never get tired if you work as hard as your prime age. If you work voluntarily more than 10 hours a week, you should consult with your supervisor. Sustainability in your work reduce so much stress. It is advised to hire a financial consultant to keep eye on your spending. I recommend at least 20% of your income should be saved. Think further than your imagination.

Episode #103 The Danger Zone When Presenting   In the history of the world, it has never been harder to be a presenter.  The Age of Distraction has guaranteed that everyone will mentally escape from us, without a bye your leave and with no compunction.  Assuming you have done a good job planning the opening to grab attention, have you also planned for the middle stanza of your talk?  This is where people can get bored and distracted.  They will leave you.  We need to plan the brackets of the main body of our talk or we may find ourselves talking to ourselves, as everyone is furtively looking at their phones under the desks.  Welcome back to this weekly edition every Monday of "THE Cutting Edge Japan Business Show" I am your host Dr. Greg Story, Your Corporate Coaching and Training Guy, President of Dale Carnegie Training Japan and best selling author of Japan Sales Mastery and my new book Japan Business Mastery. We are bringing the show to you from our High Performance Center in Akasaka in Minato-ku, the business center of Tokyo. Why the Cutting Edge?  In this show, we are looking at the critical areas for success in business in Japan.  We want to help advance everyone's thinking so that we be at the forefront, the Cutting Edge, of how to flourish here in this market.   Before we get into this week's topic, here is what caught my attention lately. According to Toyota their Japan Taxi vehicle was launched not for profit but to contribute to the creation of a rich society by supporting the movement of many people with taxis.  It can carry wheel chair users, luggage-laden travelers and foreign visitors of all sizes.  It has a sliding door on the left side which make it very easy to enter and exit from. The object is to replace one third of Tokyo's thirty thousand taxis before the Olympic games start. Government subsidies are giving taxi companies incentives to buy the vehicle.  They consume half the fuel of older vehicles and the anti-collision sensors have reduced accidents by ten percent.  In other news, the Financial Services Agency the FSA is calling on financial institutions to crate financial products that focus on longevity  risk. This is running out of money before running out of life risk.  The FSA warns thought hat there is a need for services that preserve asset for when people cognitive functions deteriorate.  Finally, with the rise of research into autonomous driving issues have arisen.  In a level three situation the car is self driving but the human driver must take over in an emergency.  How does the car know this is the time to release the autonomous driving mode?  It won't do that until it is sure the driver is ready to take over.  Sumitomo Riko in Nagoya have developed the Smart Rubber sensor, made of anti-vibration electrically conductive rubber material which can determine which part of the steering wheel the driver is holding, by detecting a change in pressure.  Currently computers have a hard time determining whether pressure applied to the rubber on the steering wheel was from the driver or something else.  The new sensor will improve the accuracy of those detections. This is episode number #103  and we are talking about The Danger Zone When Presenting      Soredewa ikimasho, so let's get going. We have worked hard to get our opening right.  We know that first impressions really count and we have planned the start.  We contacted the organisers well before the talk to get a sense of who has signed up for the talk and what their main interests are. We got to the venue early and checked on all the logistics.  We don't need to thump the microphone and ask if they can hear us don the back because we have already tested it.  We don't need to fuss around with our laptop because we are ready to go or if there is a laptop change over, we do that first before we even start saying one word.    That first word is a chosen word, not some accidental offering.  We have been speaking with some of the early arrivals to get a sense of why they are attending and to know their name. we reference their name as we start to connect with the audience and remove the barriers between speaker and the gathered masses.   We are also fully primed for the end, with both our first summation and our final close.  We know we need two closes, one for the immediate end of the talk and another one for after the Q&A.  We have prepared both.  We know how to properly handle questions – repeating, if not hostile or paraphrasing if a veiled or direct attack upon us.  In this way, we can make sure everyone heard the question and that any invective in a question has been properly neutered.   What about the middle bit of the speech?  How we do we keep attention from start to finish when we have an entire audience fully tooled up with their escape vehicles firmly clasped in their hands.  Their mobile devices will release them from the mortal toil of listening to us and they can be swept afar to more interesting and pleasant climes.   The next time, you are at a presentation look around after the first 10 minutes and see what the audience are doing.  Many will be surreptitiously scrolling through their Facebook or Line feed or whatever, multi-tasking, rather than giving the speaker their full attention.  How do not become that speaker who has lost the opportunity to get their key message across to the audience?   Every five minutes we need to switch the pace.  We need to be presenting something that grabs the attention of the masses.  We need an example, a story, demonstration, audience involvement, etc.  This shouldn't be left to random chance.  This needs D-Day level planning, so that you know what slide you will show at what point, what story you will relate.  Your voice is such a phenomenal tool yet so many neuter it by turning it into a monotone that is guaranteed to become an insomnia cure.  Find out more when we come back from the break   Welcome back We need to use pace – fast and slow, strength – loud and soft, vocal intonation – up and down.  Japanese native speakers have a disadvantage on the up an down front because Japanese is  monotone delivery language.  No problem , just work on the pace and strength variables and you will gain enough variety in the delivery to keep your audience's attention.   Story telling is so powerful and so under used.  There is huge demand for reality television, which are like home movies into the lives of celebrities.  This is basic storytelling, often at a very mundane level.  Nevertheless, these programmes draw an audience because we are fascinated by the personal lives of others.  So tell your disasters, your fails, your hard won lessons, your triumphs.  Come up with pithy quotes that are referencing well known legends like JFK or Churchill etc.    The key here is the planning and then the practice.  What is written down sounds a bit clumsy sometimes when we say it out loud.  This is where rehearsal comes in.  Go through the presentation and work on the cadence of the delivery.  Make sure that every 5 minutes you are switching gears and giving your audience something to do, like raise their hand (don't overdo this, it is annoying) or ponder, or laugh at, or to nod knowingly.  We cannot let our audience escape and lose the benefit of hearing our valuable message to the idiocies of whatever is trending on social media.  It is our job to make sure that doesn't happen and the way to do that is to plan thoroughly on the basis, they will be gone in a nanosecond if we falter. THE Cutting Edge Japan Business Show is here to help you succeed in Japan.  Subscribe on YouTube, share it with your family, friends and colleagues, become a regular. Thank you for watching this episode and remember to hit the subscribe button. Our website details are on screen now, enjapan.dalecarnegie.com, it is awesome value, so check it out. Please leave me some feedback on YouTube, I would love to know how this show helped and what other topics you are interested in for me to cover.  Remember I am here as a free resource to help you, so just tell me how I can help you best. You might also enjoy my other weekly shows.  For podcasts, Mondays for the Cutting Edge Japan Business show podcast version, Tuesday for The Presentations Japan Series, Wednesdays for The Sales Japan Series, Thursdays for The Leadership Japan Series, and Fridays for The Japan Business Mastery Show, wherever you get your podcasts.  Also on Fridays, I release my other TV show The Japan Business Mastery Show on YouTube. In episode #104  we are talking about Hard Sell Hell. Find out more about that next week. So Yoroshiku Onegai Itashimasu please join me for the next episode of the Cutting Edge Japan Business Show We are here to help you and we have only one direction in mind for you and your business and that is UP!!!  

This is your daily roundup for Wednesday, October 2, 2019.  Coinbase will start paying users 1.25% on USDC holdings, six Japan brokerages formed an STO association, and Parity Technologies released Parity Signer v3.0. ☕Buy me a coffee: https://glow.fm/mota Zuckerberg Addresses Libra KYC Concerns According to leaked comments from an internal Facebook meeting in July, CEO Mark Zuckerberg addressed Libra KYC concerns voiced by employees. From a transcript posted by the Verge, Zuckerberg stated “The public things, I think, tend to be a little more dramatic, but a bigger part of it is private engagement with regulators around the world, and those, I think, often are more substantive and less dramatic.” Zuckerberg admitted that the company has more work to do in dealing with money laundering and anti-terrorist financing. Japan Brokerages Form STO Association Six major Japanese brokerages, including Nomura Securities and Daiwa Securities have formed the Japan STO Association, a self-regulatory organization (SRO) for STOs. The association will devise rules and guidelines for issuance and will take on lobbying duties to develop security tokens as a product in the country. Earlier this year, Japan’s Act on Settlement of Funds and the Financial Instruments and Exchange Act were amended to regulate the sale of tokens. Under the new legislation, security tokens will be considered interests in a collective investment scheme, and buyers will have the right to receive distributions from the business of the issuer. The new regulations will be enforced once implementing orders and ordinances are issued by Japan’s Financial Services Agency. Coinbase USDC Holdings Pays 1.25% Coinbase has announced that it will pay an annual percentage yield (APY) of 1.25 percent on holdings of it’s USDC stablecoin. Coinbase users with at least one USDC in their account will automatically begin to accrue rewards on their holdings, paid monthly. Coinbase director of product Max Branzburg said the initiative will be financed from different pre-existing Coinbase revenue streams. He stated “We can pull from the profits we generate as a business to reward our customers for storing their assets on the platform. We’re fortunate to be able to do that as a profitable business.” Branzburg mentioned the possibility of a future program for other cryptocurrencies on the exchange. Parity Signer v3.0 Parity Technologies has released a new version of Parity Signer, a mobile application that turns old smartphones into hardware wallets. This app is meant to be used on a dedicated smartphone that is to be kept offline at all times. Parity Signer lets users generate or restore Kusama and Ethereum accounts and safely sign transactions without ever being connected to the internet. Offline, or “air-gapped,” wallets provide a simple form of protection from hackers and malware attacks. Parity suggests that smartphones running the app be kept on airplane mode at all times. For all accounts, users will receive a recovery phrase and choose a “pin” to sign transactions. Although the app’s code was part of Parity’s Trail of Bits audit, the company strongly suggests to use the app with caution and only store small amounts. Xpring Releases SDK Ripple’s Xpring is releasing an SDK for developers to integrate XRP apps and Ripple’s Interledger Protocol (ILP) in multiple programming languages. BitPay, mobile wallet BRD and digital custody provider Anchorage are all adding XRP support. Xpring, is the investment arm of Ripple, building a network of companies and use-cases around XRP.

Tether burned $500M's worth of USDT yesterday, and this is the best possible news. We all know Tether is posing a systemic risk to the ecosystem. The only way to save it is to retire Tether, and the only people who can do this are the very people who created it. And this is exactly what's happening. I told you in yesterday's show that Tether is calling back USDT to a so called Treasury account, where they store Tethers which are out of circulation. I've also said that keep a close eye on this wallet because if the theory is right, they have to start burning some of these tokens, taking them out of circulation for real. And, this is exactly what happened yesterday.Amazing news from Japan as the country shows the world, again, the way forward in crypto. Yesterday, the FSA, the Financial Services Agency which is the equivalent of the SEC has formally approved a cryptocurrency exchange association as a self-regulatory industry body. This is a much better model than government agencies, or God help us, elected representatives meddling with the regulations around crypto. It's just moving too fast... and the Japanese understand this.Another country which gets it is Taiwan. There is new ICO legislation in the pipeline, expected to become law next June. It will make a clear distinction between security tokens, which will need to comply with the existing securities act and utility tokens, which won't be regulated and can be issued freely. This brings some welcome clarity to the field and it's good to see that Taiwan doesn't follow Korea, or even worse, China in curbing the creativity in crypto.

Police in the Indian city of Bangalore have seized an ATM just weeks after it was set up by local cryptocurrency exchange Unocoin. A college freshman is coming after your cryptocurrency – but not to steal your coins, just to prove that someone could do so pretty easily. The Financial Services Agency, also known as the FSA, Japan's finance regulator, has formally approved a cryptocurrency exchange association as a self-regulating industry body. Over a million dollars' worth of bitcoin has been hidden in a digital picture – and there's still some left to be found, despite attention from cyber-sleuths.The U.K.-based settlement infrastructure provider Setl has been granted a license from France's securities regulator to operate a central securities depository system using blockchain tech.

Sarah's with Joon Ian Wong Managing Director for Europe and Asia at Coindesk and Aaron Stanley, Strategic Communications Lead at Sweetbridge to talk about the latest news, including: Police Confiscate some Bitcoin, Coinbase gets political, and Return of the Bitcoin We kick things off with Surrey police force obtaining 295 bitcoins last October after arresting a Latvian man, who has since been convicted for money laundering and sentenced to nine years in prison. Police since sold the assets for around $1.5 million - back then, the price of a bitcoin was around $5,000. The sale has been ruled as legitimate and the police force is allowed to keep 18.8% of the proceeds for its operational budget. Then we move on to the bitcoin price has climbing above the $8,000 mark for the first time since mid-May, what's pushing up the price, and what's going on with the rumours of a bitcoin exchange traded fund (ETF). Next up, we take a closer look at MyEtherWallet, the most popular crypto wallet service on the internet. It's getting a mobile app in a bid to increase security for users. MEW Connect, is an iOS app that allows users to access their wallet through MyEtherWallet but without the need to type their private key. Instead it uses a QR code and it's free, with 600,000 visitors per day the beta demand is likely to be high. We continue on with VCTRADE, the world's first bank-backed cryptocurrency now opening to the public. Owned by SBI Holdings, the Japanese bank launched its in-house crypto trading platform last month. Launch comes nearly two years after SBI Holdings first announced it would build the exchange in October 2016. The platform received an operating license from Japan's financial watchdog, the Financial Services Agency, late last year. The service is now fully open for users aged from 20–70 who reside in Japan. Debut was delayed as the firm worked to raise levels of internal security following a massive $533 million hack at the country's Coincheck exchange in January. Then we move on to exciting news from Google. Google announced a partnership with the New York-based startup Digital Asset, which makes tools to build blockchain-based apps. Google wrote in a blog post that its Cloud customers can “now explore ways they might use distributed ledger technology (DLT) frameworks” through early access to Digital Asset software aiming to provide developers with a full stack solution so they can unleash the potential for web-paced innovation in blockchain. Next up, Coinbase has formed a political action committee (PAC) to raise money to spend on US elections. Under American federal law, an organization is classified as a PAC if it collects donations worth more than $1,000 from its members and channels them into campaign funds with the intention of influencing an electoral process. The biggest motive for Coinbase is access to the politicians that have substantial influence over financial regulatory policy. Finally, we discuss BitTorrent Inc. being acquired by TRON Foundation. BitTorrent Inc, the parent company behind the popular file-sharing client uTorrent, has confirmed its acquisition by the TRON Foundation. The TRON foundation has its own cryptocurrency and the idea is apparently to create. We take a look at what this means for blockchain and if crypto may go the way of BitTorrent, exciting technology that's used for a whille before being supplanted. And our Tweet of the week this time comes from @SmartereumTV Colin G. Platt catches up with Marieke Flament, Europe MD and CMO of Circle to talk about the tokenisation of everything. All this and more on this week's episode of Blockchain Insider. And if you enjoyed our tweet of the week why not send us your best tweets? See if you can get a shout out on the show! We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @bchaininsider and if you really love the show, why not leave us a review on iTunes? This week's episode of Blockchain Insider was produced by Petrit Berisha and edited by Holly Blaxill. Special Guests: Aaron Stanley, Joon Ian Wong, and Marieke Flament.

FinTech in Japan is far more advanced than most outside observers imagine it to be, and based on new deregulation and government incentives, finTech in Japan is about to accelerate even more. Today we sit down and talk with Toshio Taki, co-founder of Money Forward, advisor to Japan’s Financial Services Agency, and the head of the FinTech Institute of Japan. He not only tells the story of the founding and growth of MoneyForward -- one of Japan's finTech success stories, but he outlines how the Japanese government’s plans to promote financial innovation while still maintaining the integrity and stability of the industry as a whole. The Japanese banking regulators are, at least in this sense, far less conservative than you think, and they are setting up a finical ecosystem in Japan that will lead to far more innovative finTech startups than we are seeing coming out of Europe of America. It’s a great discussion, and I think you’ll enjoy it. Show Notes How banking and credit card use is different in Japan Why most Japanese need multiple bank accounts Why finTech is evolving differently in Japan Who really controls household finance in Japan How Money Forward was reluctantly pulled into the B2B market How Japan's FSA is promoting finTech and financial innovation in Japan How the FSA is forcing Japan's banks to open up to innovation Links from the Founder The Money Forward homepage Japan's Financial Services Agency Connect with Toshio on LinkedIn [shareaholic app="share_buttons" id="7994466"] Leave a comment Transcript Welcome to Disrupting Japan, straight talk from Japan’s most successful entrepreneurs. I’m Tim Romero and thanks for listening. Okay. For all of you fastidious followers and fanatical fans of all things FinTech, I have a fantastic show for you today. We’re going to sit down and talk with Toshio Taki, co-founder of Money Forward, about how the Japanese government is forcing the banking sector to allow startups to innovate. Well, perhaps forcing is too strong a word, let’s just say that Japanese banks are being strongly encouraged to work with startups. Now, Toshio studied under Peter Thiel at Stanford before co-founding Money Forward which has become the leading personal finance app in Japan. He’s also an advisor to Japan’s financial services agency and the head of the FinTech Institute of Japan. After listening to Toshio, you’ll understand why the Japanese banking regulators are far less conservative than you might imagine them to be and why the Japanese financial sector is about to become a whole lot more competitive than what exists in Europe or North America. Of course, this being Japan, risks must be understood and managed. And Toshio walks us through the Japanese government’s blueprint for fostering financial innovation while still maintaining the integrity and stability of the industry as a whole. This episode is required listening for anyone who wants to understand the future of FinTech in Japan. And you know, Toshio explains that much better than I can so let’s hear from our sponsor and get right to the interview. [pro_ad_display_adzone id="1411"  info_text="Sponsored by"  font_color="grey"  ] [Interview] Tim: So I’m sitting here with Toshio Taki, the co-founder of Money Forward and head of the FinTech Association of Japan. Toshio: Cancelled meeting today and I’m very excited for this podcast. Tim: I’m glad to have you here because I think FinTech in Japan right now and Money Forward, it’s pretty amazing space to be in. Before we get started on the overall market, let’s explain what Money Forward is. I know it’s online financial management software that you sell to individuals and small business but tell us more about what it actually does. Toshio: Sure. In brief, Money Forward operates two types of businesses. One for the B2C where probably the most familiar name would be mint.com.

Victoria Christopher Murray always knew she would become an author, even as she was taking an unlikely path to that destination. A native of Queens, Victoria first left New York to attend Hampton University where she majored in Communication Disorders. After graduating, Victoria attended New York University where she received her MBA.Victoria spent ten years in Corporate America before she tested her entrepreneurial spirit. She opened a Financial Services Agency for Aegon, USA where she managed the number one division for nine consecutive years. However, Victoria never lost the dream to write and when the “bug” hit her again in 1997, she answered the call.Victoria originally self-published her first novel, Temptation and in 2000, Time Warner published that novel. Temptation made numerous best sellers list and remained on the Essence bestsellers list for nine consecutive months. In 2001, Temptation was nominated for an NAACP Image Award in Outstanding Literature.Since Temptation, Victoria has written over twenty other adult novels, including: JOY, Grown Folks Business, The Ex Files, The Deal, the Dance and the Devil and the popular Jasmine Cox Larson Bush series. Victoria has received numerous awards including the Golden Pen Award for Best Inspirational Fiction and the Phyllis Wheatley Trailblazer Award for being a pioneer in African American Fiction. Since 2007, Victoria has won nine African American Literary Awards for best novel, best Christian fiction and Author of the Year — Female. After four nominations, Victoria finally won an NAACP Image Award in Outstanding Literary Work for her social commentary novel, Stand Your Ground.Several of Victoria’s novels have been optioned to become movies, including The Deal, the Dance and the Devil and the Ex Files series.