Podcasts about internet banking

Today's Checkout features Ryf Quail, Managing Director of Comexposium and the driving force behind NRF: Retail's Big Show Asia Pacific, the fastest-growing retail event in the region. Ryf has seen firsthand how brands like Kmart, Mecca and JD.com are making big moves across the Asia-Pacific. In this rapid-fire round, Ryf reveals the strangest online purchases he's made (hint: it involves bribing his son), how retailer MXstore is keeping his motorbike obsession alive, and the game-changing tech that's about to shake up global payments. Plus, he shares a powerful book recommendation on grit and resilience that every retail leader should read.Check out our full-length interview with Ryf Quail here:Main episode linksThis episode was brought to you by… Convert DigitalAbout your guest:Responsible for the successful launch of Asia Pacific's biggest retail trade show, NRF: Retail's Big Show Asia Pacific, Ryf Quail has worked both in the industry and on the industry. Prior to NRF APAC, Ryf stamped iMedia Online Retail Summit Australia as the most loved eCommerce on the calendar delivering an NPS of 87 with a financial performance to match. He also ran iMedia Summits of various flavours across the region. Prior to that he has run digital and media agencies across ANZ, lead digital marketing and CRM across APAC for Deloitte, as well as playing leading roles in Nike Australia's first eCommerce trial and the launch of Internet Banking for ANZ across Australia and New Zealand. He holds an MBA with the University of Otago and loves Ducati motorcycles!About your host:Nathan Bush is the host of the Add To Cart podcast and a leading ecommerce transformation consultant. He has led eCommerce for businesses with revenue $100m+ and has been recognised as one of Australia's Top 50 People in eCommerce four years in a row. You can contact Nathan on LinkedIn, Twitter or via email.Email hello@addtocart.com.au We look forward to hearing from you! Hosted on Acast. See acast.com/privacy for more information.

In this episode of Add To Cart, we sit down with Ryf Quail, Managing Director of Comexposium and the man behind NRF: Retail's Big Show Asia Pacific, the region's largest retail event. Ryf shares the mindblowing innovations across the APAC from 8-minute deliveries in India to how marketplaces like Shopee and Tokopedia are dominating cross-border eCommerce. We also explore how Kmart and Anko are successfully scaling into APAC and why Aussie retailers need to look beyond the US and UK for growth. Plus, Ryf takes us inside some of the biggest boardrooms in retail—including a meeting with the CEO of JD.com.If you're as fired up about the future of retail as we are, we've got some exciting news. We're heading to NRF Retail's Big Show Singapore this June, and we're taking a small group of Aussie eCommerce leaders with us! Register your interest now at addtocart.com.au.This episode was brought to you by: Shopify PlusKlaviyoAbout your guest:Responsible for the successful launch of Asia Pacific's biggest retail trade show, NRF: Retail's Big Show Asia Pacific, Ryf Quail has worked both in the industry and on the industry. Prior to NRF APAC, Ryf stamped iMedia Online Retail Summit Australia as the most loved eCommerce on the calendar delivering an NPS of 87 with a financial performance to match. He also ran iMedia Summits of various flavours across the region. Prior to that he has run digital and media agencies across ANZ, lead digital marketing and CRM across APAC for Deloitte, as well as playing leading roles in Nike Australia's first eCommerce trial and the launch of Internet Banking for ANZ across Australia and New Zealand. He holds an MBA with the University of Otago and loves Ducati motorcycles!About your host:Nathan Bush is the host of the Add To Cart podcast and a leading ecommerce transformation consultant. He has led eCommerce for businesses with revenue $100m+ and has been recognised as one of Australia's Top 50 People in eCommerce four years in a row. You can contact Nathan on LinkedIn, Twitter or via email.Please contact us if you: Want to come on board as an Add To Cart sponsor Are interested in joining Add To Cart as a co-host Have any feedback or suggestions on how to make Add To Cart betterEmail hello@addtocart.com.au We look forward to hearing from you! Hosted on Acast. See acast.com/privacy for more information.

Shaughan McGuigan and Craig G Telfer get together for the first lower-league podcast of the 2024/25 season. The pair discuss Ian Murray's unexpected departure from Raith Rovers, another banking mishap at Hamilton Academical, flag days for Falkirk and Stenhousemuir, and Elgin City's outstanding start to the campaign. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Consumer ninja Wendy Knowler and host Motheo Khoaripe explore the Ombudsman forBanking Services' annual report for 2023. The report confirms that fraud, particularly internet banking fraud, phishing, vishing, and push payment fraud, remains that office's top category of complaints. Despite the many warnings, by the regulators, the banks themselves and the media, many people contnue to fall for these scams and if my inbox is anything to go by, most of them areover the age of 60.See omnystudio.com/listener for privacy information.

要关闭账户，或是做些数码银行上（Internet Banking）办不到的手续，在后疫情时代似乎变得更痛苦。到银行分行排长龙不说，有些分行甚至因为屡屡人满为患，关闭通过手机短信提前排队注册的功能。有科技辅助的银行用户都哀嚎了，更何况是只能哑忍的老人家和外籍人士。听朱志伟和郭丽娟讨论：新加坡银行分行的密度为何往下坠，密度居然比美国和香港还要低？根据国际货币基金组织的数据，2004年到2021年间，新加坡银行分行密度从每10万名成年人平均11.5家分行，下降到略低于七家，减少近40%。See omnystudio.com/listener for privacy information.

We're never going to let go of our notes and coins - so the Reserve Bank is not only looking at digital currency for the future, it's also trialling cash services for small towns

Os boletos para pagamento do Imposto sobre Propriedade de Veículos Automotores (IPVA) de 2024 já estão disponíveis no Espírito Santo. As cotas única e primeira (em caso de parcelamento) vão vencer entre os dias 09 e 15 de abril de 2024, de acordo com o número final da placa do veículo, seja ele carro, motocicleta, caminhão, ônibus ou micro-ônibus. Segundo a Secretaria da Fazenda (Sefaz), os motoristas que fizerem o pagamento do IPVA em cota única terão 15% de desconto. Este ano, também há a possibilidade de parcelar o imposto em seis vezes. Em entrevista à CBN Vitória, o auditor fiscal Pedro de Sá, subsecretário da Receita Estadual em exercício, fala sobre o assunto. Os boletos estão disponíveis na internet, informa a Sefaz, e, como em anos anteriores, não são mais enviados para o endereço dos contribuintes. "A emissão do Documento Único de Arrecadação (DUA) deve ser feita acessando o site da Sefaz ou do Departamento Estadual de Trânsito do Espírito Santo (Detran|ES). Não é preciso imprimir para que o pagamento seja realizado. Usuários de Internet Banking podem fazer a leitura do código de barras ou digitar. Se preferir, o contribuinte também pode digitar o código gerado em um equipamento de autoatendimento do banco de preferência", explica. De acordo com o artigo 230, inciso V, do Código de Trânsito Brasileiro (CTB), conduzir o veículo que não esteja registrado e devidamente licenciado é uma infração gravíssima, com penalidade de multa de R$293,47, sete pontos computados na CNH do proprietário e medida administrativa de remoção do veículo. Ouça a conversa completa!

Gäbe es in Europa eine Digitalisierungs-Meisterschaft, wäre Finnland der Sieger: Das digitale Identitätsmanagement, E-Rezepte und ein elektronisches Schulsystem gehören längst zum Alltag der Finnen. Digital, innovativ und open-minded: So lassen sich die Menschen in Finnland beschreiben. Viel selbstverständlicher als wir, leben sie längst einen digitalen Alltag und haben dadurch die Bürokratie ganz erheblich reduziert. Der Deutsch-Finne Jan Feller beobachtet das schon seit Jahren. "Wir sind in Deutschland in vielen Bereichen um Jahrzehnte hinterher", erzählt Feller, der als Geschäftsführer der Deutsch-Finnischen Handelskammer beide Länder im Blick hat. Mehr Digitalisierung erleichtert für ihn den wirtschaftlichen Alltag. "Wir haben immer wieder Unternehmen, die staunen, dass man Vertretungsbevollmächtigungen in einem zentralen Register nachgucken kann", so Feller im Podcast "Wirtschaft Welt & Weit".Der große Unterschied zu Deutschland ist für ihn das digitale Identitätsmanagement, das ursprünglich auf dem Internetbanking basiere und von den Banken als Dienstleistung angeboten werde. "Wenn ich mich mit meinem Internetbanking authentifiziere, können die Banken die Sozialversicherungsnummer auch an ein staatliches Portal liefern und mich damit sicher authentifizieren", erklärt Feller. "Das ist die Basis für alles im öffentlichen Dienst."Die Digitalisierung bietet im Alltag viele Vorteile, birgt aber auch Verwundbarkeiten. Mögliche Gefahren denken die Finnen deshalb von Anfang an mit. Im Bereich der digitalen Sicherheit sind ihre Unternehmen über die Landesgrenzen hinaus gefragt. Das gilt nicht nur im zivilen Bereich, sondern auch in der Verteidigung. Seit das Land offiziell NATO-Mitglied ist, dürfen finnische Unternehmen derartige IT-Sicherheitslösungen nicht mehr nur in Finnland vertreiben, sondern müssen auch andere NATO-Mitgliedsstaaten bedienen.In der neuen Podcast-Folge diskutiert Host Mary Abdelaziz-Ditzow mit Jan Feller und der finnischen Sicherheitsexpertin Minna Ålander vom Finnish Institute of International Affairs über die deutsch-finnischen Wirtschaftsbeziehungen. Wo können wir sonst noch von den Finnen lernen? In welchen Bereichen hat der Ukraine-Krieg unsere Zusammenarbeit weiter intensiviert? Und: Die drei gehen der Frage nach, warum die Lebensqualität im Norden höher ist als bei uns.Schreiben Sie Ihre Fragen, Kritik und Anmerkungen gern an www@n-tv.deUnsere allgemeinen Datenschutzrichtlinien finden Sie unter https://datenschutz.ad-alliance.de/podcast.html Unsere allgemeinen Datenschutzrichtlinien finden Sie unter https://art19.com/privacy. Die Datenschutzrichtlinien für Kalifornien sind unter https://art19.com/privacy#do-not-sell-my-info abrufbar.

Gulanor Atobek, Chief Executive Officer, Alif BankAlif, an Islamic FinTech and neobank based in Central Asia, recorded over 121% year-on-year growth in 2022. Owned by UK-based investment vehicle Jefferson Capital Holdings, Alif operates a fully licensed bank in Tajikistan. Gulanor Atobek was appointed CEO of the bank in November 2022. She speaks to Robin Amlôt of IBS Intelligence and about the bank's plans for financial inclusion, Islamic banking, and digitalisation. 

17.00 ข่าวราชมงคล // ธปท.ชี้แจงกรณีระบบโอนเงินต่างธนาคารผ่าน Mobile Banking และ Internet Banking ขัดข้อง เมื่อ 1 ก.ค.66

Data enablement has the power to transform American Healthcare. It can foster trust between patients and clinicians and make healthcare more accessible, affordable and equitable. This future of an open and connected health ecosystem may seem elusive, but it's not out of reach. Technology will not hold us back — instead our biggest challenge will be creating a value-based model of care where new innovations can thrive.   This week we our joined by Dr. David Feinberg, the Chairman of Oracle Health. Dr. Feinberg is committed to advancing thought leadership and strategy related to unleashing the healing power of data through an open and connected healthcare ecosystem.  Previously Dr. Feinberg served as president and CEO of Cerner, now Oracle Health, where he led teams delivering tools and technology to improve the patient and caregiver experience. He has also served as the VP of Google Health, and he served as the President and CEO of Geisinger where he led a complex turnaround and guided Geisinger's transition to value-based care.  Episode Bookmarks: 01:30 Introduction to Dr. David Feinberg, Chairman of Oracle Health. 02:45 The massive generation of data by humankind in the modern day (projected to be 175 Zettabytes by 2025). 03:45 Approximately 80% of healthcare data today is unstructured. 04:30 People are dying unnecessarily and suffering poor outcomes despite the amount of data generated by the healthcare system. 05:30 "Healthcare fundamentally is people caring for people. Data is secondary; the primary aspect of healthcare is trust.” 06:30 Making Electronic Health Records usable is of paramount importance (PCPs Need 27 Hours a Day to Do Their Best Work!) 07:00 Digitizing the medical record has made clinical workflows humanly impossible and compromises trust. 07:30 The vision for an open and connected health data ecosystem. 08:45 The Meaningful Use program did nothing for EHR usability (an example of the Gartner Hype Cycle). 10:00 Dr. Feinberg's clinical and executive leadership background provided a great lesson in technology adoption. 11:00 Can there be a high level of technology adoption in healthcare like Google dominates the non-healthcare marketplace? 12:30 We have solved for interoperability, but healthcare lacks a level of usability to allow a true longitudinal health record. 14:00 Motivating doctors for high performance ultimately comes down to the data scorecard. 15:00 Knowing the game (volume vs. value) and the promise of data enablement in value-based care. 16:00 The 21st Century Cures Act and the path forward in interoperability. 17:00 Can scalable FHIR-based interoperability and Open APIs eventually reach critical mass in the U.S. to improve population health? 19:45 Dr. Feinberg describes the two points of failure by technology companies trying to disrupt the healthcare ecosystem. 20:30 How Oracle Cerner is designing an intelligent, cloud-enabled platform to change healthcare for the better. 22:00 An example of disruption with Internet Banking and how application of those principles could change the healthcare system. 23:45 Digitization of medical records was a requisite first step. 24:00 Integration and normalization of disparate data sets provides an opportunity to create data intelligence. 25:00 How Larry Ellison's impatience for healthcare disruption clashes with the realities of the industry. 26:30 Recognizing the "life and death" aspects of healthcare transformation. 27:00 Making incremental progress with a digitized medical record…and then COVID happens to accelerate value-based care! 29:00 Workforce burnout and EHR usability - “Simplicity is the ultimate art of sophistication.” 30:00 “Value-based care is ultimately the best way to address the root cause of burnout in the workforce.” 30:45 The need for UX in the design of EHR applications to optimize physician workflow. 31:30 Results in usability redesign — ex: 19% reduction in nursing time at the terminal,

Today on the Take on Board podcast I'm speaking with Penelope Barr about privacy and security in the boardroom. Penelope has previously been a director of The 100% Project - working towards gender equity in the workplace; and Hearts4Heart - a Health Board, focusing on the patient experience. Penelope speaks startup and big end of town. With 25+ years' leading local and global digital, technology, agile, product, innovation & transformation businesses, she's motivated by solving complex problems. As an Award-winning intrapreneur she uses a genuinely creative approach to generate business value and drive excellence. She's been at the forefront of most major changes in digital, tech, innovation, product & data across fintech, legaltech, proptech, climatetech and enterprises. She's worked in Tech for so long, she was part of the team creating NAB's first Internet Banking solution, then National online trading, the first SMS messages, first online sales apps and progressed from there. A connector of people, ideas, opportunity and things, she turns good ideas into great business and bring a new ways of working kitbag to create products, generate revenue, improve savings or return on assets. She applies analytical insight, thorough planning, rapid implementation and deliver in highly ambiguous situations. She's an author, advisor, mentor, coach and startup founder, passionate about making the most of the time I have been given.Links and ResourcesBoard Privacy Readiness ChecklistPenelope Barr on LinkedInUpcoming TOB EventsAll eventsYou might want to:Join the Take on Board Facebook communityJoin the Take on Board LinkedIn communityFollow along on TwitterWork with meJoin the Take on Board: Kickstarter group programJoin the Take on Board: Accelerator group programFind out more about meContact me Hosted on Acast. See acast.com/privacy for more information.

- Thương mại điện tử đang phát triển ngày càng mạnh mẽ với tiềm năng – dư địa còn nhiều. Đây là điều kiện thuận lợi cho các cá nhân, doanh nhân, doanh nghiệp khai phá và làm giàu. Tuy nhiên, cũng trên không gian mua-bán đặc biệt này, cơ quan chức năng phát hiện ngày càng nhiều đối tượng xấu – lợi dụng môi trường “ẩn ảo – online”, đã dùng các thủ đoạn, chiêu thức nhằm chiếm đoạt tài sản của khách hàng. Các chuyên gia thương mại điện tử sẽ thông tin chi tiết, phân tích thực tiễn và khuyến cáo tới quý vị, để không chỉ mua sắm tốt hơn mà mỗi khách hàng đều sẽ có thể nhận diện và góp phần lành mạnh hoá hoạt động này Chủ đề : chiếm đoạt tài sản, Sàn Thương mại điện tử, internet banking --- Support this podcast: https://podcasters.spotify.com/pod/show/vov1sukien/support

In this episode, host Tom Loarie talks with today's guest mentor Dave Liu, former Jefferies Managing Director of Digital Media and Internet Banking. Dave Liu shares his insights and the secrets he learned while becoming the first Asian-American to become a managing director at an investment bank…at the age of 32! Dave raised $16 billion for hundreds of companies—from start-ups to established corporations. He has worked with more than a thousand different individuals, including CEOs and entrepreneurs. David Liu's top-selling book, The Way of the Wall Steet Warrior, is a MUST-READ (or listen, if you prefer audible!). Listen to the show live in San Francisco or via live-streaming on iHeart Radio worldwide… You can also listen on ANY podcast platform, including Apple podcast, iTunes, Spotify, TuneIN, Stitcher, Google Play and all the others. Sign up for the podcast here. SHOW NOTES: DAVID LIU: BIO: https://amzn.to/3fUHY3q WEBSITE: Liucrative.co BOOK: The Way of the Wall Street Warrior: Conquer the Corporate Game Using Tips, Tricks, and Smartcuts, by Dave Liu “Dave learned how to win in investment banking the hard way. Now he is able to share tools that make it easier for budding bankers and other professionals to succeed.” —Frank Baxter, Former CEO of Jefferies and U.S. Ambassador to Uruguay “A must-read for anyone starting their career in Corporate America. Dave's book shares witty and valuable insights that would take a lifetime to learn otherwise. I highly recommend that anyone interested in advancing their career read this book.”—Harry Nelis, Partner of Accel and former Goldman Sachs banker

Di Massimo Temporelli | Realizzato in collaborazione con BPER Banca In questa puntata di Lampi di Genio parliamo di un'invenzione che ha cambiato per sempre il nostro rapporto con le banche, l'internet banking! Insieme scopriremo come, da una piccola filiale del Tennessee la rivoluzione del World Wide Web ha portato i servizi finanziari fin nelle nostre case, sui nostri PC e nei nostri smartphone.

David Becker is considered one of the godfathers of the Indiana technology ecosystem, having started and sold several tech firms over the past four decades. But he's probably best known for his current effort, which broke new ground in an entire tech sector. In 1999, he launched First Internet Bank of Indiana, an online-only bank that offered typical bank services without needing to maintain any physical branches. First Internet Bank recently passed $4 billion in assets. Becker is 69 years old and says he has no plans to hand over the reins of CEO and chairman, given that developing new products and services for the bank scratches his entrepreneurial itch. In this week's edition of the IBJ Podcast, Becker has a wide-ranging conversation with host Mason King, jumping from his motorcycle-trip bucket list to what he's done to make the bank's new headquarters in Fishers attractive to employees while the corporate world wrangles with the trend of working from home. The IBJ Podcast is brought to you by Taft.  

In episode 129 Dexter Cousins is joined by Stevie-Ann Dovico of NAB and Simon Terry of Hicaps for a special Live recording of the Fintech Chatter Podcast. The show was recorded in front of 200 plus NAB employees for their Outside In conference. In this special edition, Dexter chats to Stevie-Ann and Simon about how Fintech's and large Banks can collaborate and work in tandem.About Stevie-Ann DovicoStevie-Ann Dovico  2022 Executive Leader of the Year - Women in Digital has over 15 years of experience in Banking & Financial Services.  She is a dynamic senior leader of a global team who builds and run the NAB enterprise digital channels including: NAB Mobile, Internet Banking, NAB Connect, NAB Connect Mobile, Digital Customer EstablishmentStevie-Ann has led innovation, transformation, technology, risk & compliance advisory, and product design & distribution teams across multiple channels. She is highly skilled at solving tough, strategic problems and relentlessly driving execution.About Simon Terry Simon Terry is a Board-level growth leader in the health and education industry. He is experienced in high growth, start-up, and mature businesses, managing business strategy,  transformation, and end-to-end operations from customer-facing to operations to technology teams. He has a proven track record of leading highly engaged teams to deliver business growth & innovation, particularly in customer experience and digital business opportunities. Follow us:Apple: https://apple.co/3D7NsPtSpotify: https://spoti.fi/3IzSViQSubscribe and like on Youtube: https://bit.ly/3tBlRmEConnect on Linkedin: https://bit.ly/3DsCJBpFollow on Twitter: https://twitter.com/DexterCousins

Dave Liu, former Jeffries Managing Director of Digital Media and Internet Banking. Dave Liu shares his insights and the secrets he learned while becoming the first Asian-American to become a managing director at an investment bank...at the age of 32! Dave raised $16 billion for ...

M88 (Mansion88 – M88.Com) là nhà cái cung cấp dịch vụ bài bạc online cực tốt ở châu Á, những môn Sport cá cược ưu chuộng, nghịch casino online như thật, M88 trên dế yêu điện thoại, game show & tổng hợp những dịch vụ xả stress chất lượng cao địa cầu. những chương trình M88 tặng thêm đc chăm lo nhiều nhất là cho đồng đội mới & khuyễn mãi thêm đặc sắc các đặc điểm nổi bật của M88 Nhà cái M88 có tên thường gọi đầy đủ là Mansion88, là nhà cái đã có thương hiệu trong ngành cá cược online tại châu Á and đã hoạt động được hơn 15 năm. M88 có trụ sở buôn bán tại Philippines, đc doanh nghiệp cá cược PAGCOR cấp phép and chuyển động bên dưới sự thống kê giám sát nghiêm ngặt của chính phủ Philippines. Mansion88 đã nâng cấp một trang web tuyệt hảo rất thân mật và thiết bị điện thoại di động trên cả tiện ích ios & app android. Chúng ta cũng có thể đánh bài Sport and gia nhập sòng bạc bằng dế yêu hoặc Tablet nếu còn muốn. Cùng tiện ích mobile M88, chúng ta cũng có thể tiến hành mọi thứ quan trọng ngay từ mobi của mình. https://gamebaim88.com/huong-dan/ M88 tại Châu Á đã ký kết hợp tác khoanh vùng và La Liga, giải bóng đá câu lạc bộ số 1 ở Tây Ban Nha. Theo thỏa thuận, M88 sẽ đóng tầm quan trọng là đối tác cá cược Quanh Vùng bắt đầu của giải đấu ở châu Á cho tới hết mùa 2023-24. Về nạp tiền xu và rút tiền vàng cũng rất được trợ giúp rất tốt tại M88 với rất nhiều chọn lựa như từ thẻ ATM, Internet Banking, chuyển khoản ngân hàng, Visa,…. Các lần rút tiền vàng tại M88 thường rất nhanh, chỉ mất khoảng 15 phút. Một trong những điểm khác biệt khẳng định của Mansion88 là một kênh dịch vụ hỗ trợ khách hàng. Trước tiên, M88 trợ giúp người tiêu dùng của bọn họ 24/7 để luôn luôn có người ở đó để giúp. Hình như, chúng ta có bốn cách khác biệt để người sử dụng giống như liên hệ với gói dịch vụ khách hàng của chúng ta, giúp nhiều người dễ dàng chọn phương pháp dễ dãi nhất cho họ. Dựa trên những liên hệ của tớ cùng đội suport của bọn họ, tôi không có Tại Sao gì để mong đợi rằng người chơi sẽ không nhận ra một trong những bổ trợ cực tốt trong ngành.

In this episode, Ms Nuru Mugambi interviews Gakii Mwongera, Group Head of Internet Banking, Equity Group Holdings as they discuss: global and Pan-African trends in cross border payments what it takes to succeed as a regional business & tehcnology leader Gakii Mwongera is a 2022 Top Woman to Watch in Banking and Finance by Angaza Awards. Since joining Equity Group in 2012, Gakii Mwongera has directed the bank's digital channel portfolio which has witnessed tremendous growth in transaction volumes, from USD 9 million in 2012 to over USD 10 billion in 2021.  She has championed the training of more than 6,000 bank employees on features and benefits of digital transaction banking platforms, thus improving product uptake and achieving a return on digital channel investment within two and a half years – two years ahead of the projected date.  Recently following Equity Group's acquisition of Banque Commerciale du Congo, she managed the bank's successful migration and digitization in the Democratic Republic of Congo (DRC), which has seen Equity Bank DRC become the second best-performing subsidiary in internet banking in less than a year. Podcast Host: Ms. Nuru Mugambi, Founder Kaleidoscope Consulting Guest: Gakii Mwongera, Group Head of Internet Banking, Equity Group Holdings Production: Rawlins Hamisi

In this episode, Ms Nuru Mugambi interviews Gakii Mwongera, Group Head of Internet Banking, Equity Group Holdings as they discuss: global and Pan-African trends in cross border payments what it takes to succeed as a regional business & tehcnology leader Gakii Mwongera is a 2022 Top Woman to Watch in Banking and Finance by Angaza Awards. Since joining Equity Group in 2012, Gakii Mwongera has directed the bank's digital channel portfolio which has witnessed tremendous growth in transaction volumes, from USD 9 million in 2012 to over USD 10 billion in 2021. She has championed the training of more than 6,000 bank employees on features and benefits of digital transaction banking platforms, thus improving product uptake and achieving a return on digital channel investment within two and a half years – two years ahead of the projected date. Recently following Equity Group's acquisition of Banque Commerciale du Congo, she managed the bank's successful migration and digitization in the Democratic Republic of Congo (DRC), which has seen Equity Bank DRC become the second best-performing subsidiary in internet banking in less than a year. Podcast Host: Ms. Nuru Mugambi, Founder Kaleidoscope Consulting Guest: Gakii Mwongera, Group Head of Internet Banking, Equity Group Holdings Production: Rawlins Hamisi

Podcast sobre a RG, CPF, CNH, banco ou qualquer identificação no bolso. A unificação de tudo que identifica ou paga no smartphone vai trazer mais praticidade ou preocupação?

As the growth of always-on and instant banking increase, traditional banks must prioritise evolving to remain competitive and accessible. So, how do banks digitalise their banking stack and deliver an enhanced experience for customers and employees while retaining core legacy systems? Layer a Dublin based fintech company have a solution that will help banks undergo digital transformation during these strange pandemic times. Ronan talks to Roy Zakka the CEO and founder of Layer talks about his background, the pandemic, how Layer started, what Layer does, and bank branches. Roy also talks about digital transformation in banks, how Layer works, crypto currencies, where Layer will be in five years time., the different offerings Layer offers to different demographics, smart phones and wearable devices. More about Roy Zakka: Roy is a serial entrepreneur with many successful ventures, including double-digit valuation exits. He worked for SLAC and SRI in Silicon Valley. Roy has spent 25 years in the wireless and mobile sectors, and the last 10 years in financial services.

O Internet Banking é basicamente de uma área para acesso pessoal que o site da sua instituição financeira ou bancária reserva a seus clientes. Através deste podcast você entenderá melhor como funciona.

Nhà cái uy tín là gì? Nhà cái uy tín là tổ chức hợp pháp cung cấp các hình thức cá cược bóng đá, thể thao, casino trực tuyến, các trò chơi giải trí trực tuyến hấp dẫn có thể tham gia bằng tiền mặt như: tiền mặt, tiền ảo. , đổi thẻ cào, thẻ game ..v.v.Trang cá độ uy tín được nhiều người yêu thích đặt cược bởi độ uy tín được đánh giá và xếp hạng qua nhiều tiêu chí như tỷ lệ chính xác, chính sách khuyến mãi, tình trạng thanh toán, giao diện thân thiện, hỗ trợ trực tuyến. trực tuyến, giấy phép đăng ký hoạt động kinh doanh hợp pháp… Là một cổng game uy tín cần phải có giấy phép hoạt động hợp pháp, được cấp phép bởi cơ quan cấp phép. Phương thức thanh toán trực tuyến của nhà cái phải rõ ràng, minh bạch, có nhiều phương thức chuyển tiền và rút tiền khác nhau. Người chơi có thể chuyển tiền tại: ngân hàng, qua Internet Banking, ATM, hoặc qua thẻ cào … Các tiêu chí chọn Website cá cược uy tín: Khi đánh giá một website cá cược có độ tin cậy cao và chất lượng dịch vụ tốt, người chơi sẽ xếp điểm theo 8 tiêu chí dưới đây: Giấy phép kinh doanh, hoạt động tại nơi đặt trụ sở chính Được giám sát, quản lý bởi công ty chuyên về cá cược trực tuyến và các dịch vụ giải trí đổi thưởng Chính sách hỗ trợ, chăm sóc khách hàng nhiệt tình và chu đáo, giúp game thủ giải quyết mọi vấn đề thắc mắc, khiếu nại Đa dạng game đánh bài đổi thưởng, trò chơi casino, các trò chơi đánh bài và các bộ môn thể thao cá cược Tỷ lệ ăn cược hấp dẫn, cao và không lừa đảo Không dính phốt lừa đảo, không uy tín và dịch vụ tệ với khách hàng Rút nạp nhanh chóng, thanh khoản cao và tốc độ ổn định Các trò chơi tuân thủ theo quy định quốc tế Lưu ý gì khi lựa chọn nhà cái phù hợp? Uy tín thôi chưa đủ, mà nó còn phụ thuộc vào nhu cầu của bạn nữa. 5 lưu ý sau sẽ giúp bạn lựa chọn được cổng nào tốt và phù hợp với bạn nhất. Trò mà bạn muốn chơi Bạn muốn chơi cá cược bóng đá, hay muốn chơi bài đổi thưởng hay đô đề hay bắn cá? Trò nào bạn thích hơn cả sẽ quyết định xem bạn nên chọn cổng game nào. Tất nhiên bạn có thể chơi nhiều trò đa dạng như sẽ có trò bạn chơi nhiều, và mỗi cổng game nào cũng có thế mạnh riêng. Kinh nghiệm của bạn Thực tế nếu bạn mới chơi thì chỉ nên bắt đầu với các nhà cái thuộc top uy tín nhất. Và nên bắt đầu với các trò phổ biến, số tiền cược nhỏ. Nhiều người không tìm hiểu kỹ, dẫn đến mất tiền oan vì gặp phải nhà cái lừa đảo. Các khuyến mãi Nhà cái nào cũng có khuyến mãi, nhất là khuyến mãi cho người mới chơi, nạp tiền lần đầu. Tuy vậy, bạn phải cẩn trọng trong việc chọn dựa vào khuyến mãi. Bởi vì nhiều trang cá cược đưa khuyến mãi khủng nhưng điều kiện khắt khe, khiến người chơi có thể thắng mà không rút được tiền (vì không thỏa mãn điều kiện của chương trình khuyến mãi đó). Nếu gặp website cá độ khuyến mãi quá khủng thì đừng ngần ngại hỏi kỹ nhân viên hỗ trợ về các điều kiện nhận khuyến mãi trước khi nạp tiền nhé.

Werden E-Mails auch am Wochenende zugestellt? Warum ist der Osten so pub-los? Was kosten Fußballübertragungsrechte im öffentlich-rechtlichen TV? Wer fährt günstiger: Diesel-Markus oder Elektro-Dennis? Und wer qualifiziert sich als potenzieller Sponsor? » 0:00:00 Sommererfreute Begrüßung // 0:01:03 E-Mails auch am Wochenende? - Innovation Internetbanking - Wieso brauchen Überweisungen so lange? // 0:04:00 Frisches Cidre bei 3 Grad - Drinkporn - Irish-Pub-Tour als Sommerurlaub - München: Nicht so meins - Nürnberg als Ersatz - Wie groß ist Bayern? - Pub-los im Osten - Große Rechnung aus Köln // 0:17:05 Nachtrag GEZ-Budget - Röööööölps - Man, man, das ist aber auch beim zweiten Mal lecker! - Jahres-Budget: 8 Milliarden - 218 Millionen Euro für WM an die Fifa = 2,725 % des Jahresbudgets = mehr als das 5-fache vom FUNK-Budget = mehr als das 22-fache des Tagesschau-Budgets - FUNK = 42.000.000 = 0,525% des Jahresbudgets - 9.900.000 Millionen für Tagesschau = 0,124 % des Jahresbudgets // 0:24:45 Als Single bei Fremdgehen 69 = Beziehung auf Lügen - Flixbus gegenseitig aufgekauft // 0:28:59 Statussymbol Freund-mit-Tesla - Preisvergleich auf 100 km: Diesel 8,10 € (6l x 1,35€) vs. Elektro 1,87-3,00-6,63-8,16 € (17kW x 0,11-0,18-0,39-0,48 €) - Anschaffungskosten: Kaufen vs. Leasing - Schnelllebigkeit Auto vs- Smartphone - Politik vs. Realität - Tipp: Richard David Precht über soziale Themen - Mobilität, Pendelverkehr, Mieten in Städten - Attraktivität fördern - Öffentliche Verkehrsmittel vs. Laufen // 1:05:47 Bahnhof, Busbahnhof, Hafen, Flughafen, Taxibusbahnhof // 1:07:25 Interessanter Gedanke und tschüss

Customers are reporting being unable to log in to the mobile apps and websites of several major Australian banks. See omnystudio.com/listener for privacy information.

Research shows that most of us are never far from our phones. They're attached to us constantly. So, why not just implant them in our brains? At South Mimms, our technologists are working on a brain implant that means all you need to do is think to make and answer calls, send texts, surf the web - and do your Internet Banking. Good idea? Or a very bad one? Judge for yourself.

Barclays Chairman of Global Internet Banking Bob Peck joins us this morning to talk tech volatility, IPOs and SPACs. Then, Google President of Commerce Bill Ready chats about Google's latest announcements from its I/O developer conference. Later, we hear from Margins Co-Author Ranjan Roy on the crypto crash with Bitcoin falling to its lowest levels since January. The drop influenced by Elon Musk's recent tweets on crypto's environmental impact and a cryptocurrency crackdown in China. Then, CNBC's Julia Boorstin covers Jefferies' bullish outlook for Netflix. And CNBC's Kate Rooney has the details on Coinbase's drop lower amid the cryptocurrency craziness.

In this episode, your host, Ry Russell talks to Paymency's Gary Lewis Evans about the evolution of internet banking, global financial systems, and more.

In PPR sind sie absolute Waffen und im Fantasy Football bezeichnen wir sie gerne als Silber: Wide Receiver. Und wer dachte, dass letztes Jahr im NFL Draft schon unglaublich starke Wide Receiver am Start waren, der sollte sich mal ansehen, was dieses Jahr in Cleveland sein neues Team findet. Neben Pitts, Chase und Smith besticht diese Draft Klasse durch viele weitere Wide Receiver die schon 2021 für den Fantasy Football Fan relevant sein können. Wir sprechen aber auch wieder über die aktuellen NFL News, sprechen mit Lenny übers Kinder kriegen und finden heraus, dass Stonie noch immer kein Internetbanking betreibt. ⏲️ Das erwartet dich in dieser Folge unseres Fantasy Football Podcast: 01:13 - Krypto Währung und Baseball... wie wird man reich? 15:15 - NFL News... QB Committee in New Orleans? 34:56 - Die Wide Receiver im Draft 2021... ein Überblick 52:20 - Top 5 WR Prospect 58:56 - Top 4 WR Prospect 1:02:25 - Top 3 WR Prospect 1:09:45 - Top 2 WR Prospect 1:18:03 - Kyle Pitts... so viel können wir verraten!

Qual o limite do consumidor? Nesse episódio nós vamos investigar histórias de clientes que não fazem ideia dos seus direitos, mas acreditam que sejam ilimitados. Black Friday agora é lei? O homem que mobiliou a casa na regra dos 5 anos, a mãe Celso Russomano, Ciro Gomes no Internet Banking e os mendigos da OLX. Com a chegada do caos das compras de fim de ano, aproveite pra refletir sobre seu próprio comportamento como consumidor. Host: Scheid, o CEO Bancada: Punk Willians, Farinhaki, Tio Fabs e Guilherme Maciel.

Dia 26 de novembro completamos 9 meses do primeiro caso diagnosticado de COVID no Brasil. Nesse período, já acumulamos mais de cento e sessenta e sete mil mortos, o que leva a doença a se tornar a causa-morte com mais vítimas em um único ano já registrado no país. E agora, vemos uma segunda onda se aproximando.Será que assim que as eleições municipais acabarem vamos assistir o recomeço do isolamento social? Será que vamos dormir sonhando com o natal e acordar em março novamente? Hoje, vamos tentar compreender quais os desafios para enfrentar uma 2ª onda do COVID-19. E para essa conversa tivemos ajuda de alguns especialistas: Denize Ornelas, Marco Antonio Rocha, Alexandre Coimbra, Bárbara Alves. E na conversa não podia faltar o “Prefeito de Paraisópolis”, Gilson Rodrigues!Vem com a gente!Se você ficou admirado com os projetos que o Gilson mencionou no programa, pode ser um doador individual acessando o site g10favelas.com.br._____BRADESCOO Disney+ chegou ao Brasil! O serviço de streaming da Disney entrou no ar nessa semana, trazendo na mala, além de estreias e títulos exclusivos, muita nostalgia dos filmes e desenhos que marcaram infâncias, por gerações. Tem produções da Pixar, Marvel, Star Wars, National Geographic.E pra quem é cliente Bradesco, essa diversão já começa cheia de vantagens. O banco saiu na frente, e é a primeira marca a ser parceira da plataforma, aqui no país. E para usufruir do benefício, é bem fácil. É só baixar o Disney+ através do seu aplicativo do Bradesco, Bradesco Cartões ou Internet Banking.Consulte todas as condições e os benefícios por cartão bradesco no site banco.bradesco/disneyplus._____CAMBLYA melhor sexta-feira para compras no ano tá vindo aí. E além de todas as roupas, eletrônicos, móveis, esse ano você tem a oportunidade ideal para estudar inglês de forma séria. Cambly, a plataforma que conecta estudantes de inglês a professores nativos, se juntou com o Mamilos, para trazer a maior promoção do ano pra você investir no seu futuro ainda em 2020. Usando o código BESTMAMILOS, você consegue um desconto de 50% em todos os planos do Cambly. Tem plano a partir de R$ 65 reais!Lembrando que só no Cambly você tem professores disponíveis 24 horas por dia, para você fazer a aula na hora que quiser, com a duração e o assunto que fizerem sentido pra sua vida. Todas as aulas do Cambly ficam gravadas, então depois eu voltei lá e ouvi de novo, pra fixar direitinho o que aprendemos com a professora Monica Lynn.Se você quer aprender inglês com quem sabe do assunto, precisa aproveitar a promoção do Cambly. Use o código BESTMAMILOS. Só até o dia 27 de novembro, hein!Então faz isso agora, pra não esquecer. Acesse cambly.com!_____CÓDIGO ABERTOQuem já conhece o Código Aberto, sabe que ali é o lugar pra gente conhecer os líderes das empresas e a forma como pensam o cenário da mídia, da tecnologia e da comunicação. Mas o que essa temporada traz de novidade? Já que nessa temporada a maioria das entrevistadas são mulheres. A gente se juntou com o Facebook para falar sobre Discovery Commerce, o futuro do marketing num mundo em que a aceleração digital virou a norma.Já publicamos nosso primeiro papo com a Ilca Sierra, Diretora de Marketing da Via Varejo, e eleita uma das 10 profissionais de Marketing de 2019. E tá imperdível!E pra você ouvir o Código Aberto é só acessar  http://codigoaberto.b9.com.br/ ou buscar por Código Aberto no seu aplicativo favorito. Serão 6 episódios, no ar toda segunda. Confere lá!_____FALE CONOSCO. Email: mamilos@b9.com.br. Facebook: aqui. Twitter: aqui. Instagram: aqui. LinkedIn: aqui. Youtube: aqui_____CONTRIBUA COM O MAMILOSQuem apoia o Mamilos ajuda a manter o podcast no ar e ainda recebe toda semana um apanhado das notícias mais quentes do jeito que só o Mamilos sabe fazer. É só R$9,90 por mês! Corre ler, quem assina tá recomendando pra todo mundo: www.catarse.me/mamilos_____O Mamilos é uma produção do B9Apresentação: Ju Wallauer e Cris BartisCoordenação geral: Carlos Merigo, Ju Wallauer e Cris BartisProdução: Alexandre Potascheff, Beatriz Fiorotto e Helen MenezesApoio à pauta e pesquisa: Jaqueline Costa e grande elencoEdição: Mariana Leão com trilhas de Angie LopezIdentidade visual: Helô D'Angelo Coordenação digital: Agê Barros, Pedro Strazza, Lucas de Brito e Hiago ViníciusAtendimento e Comercialização: Rachel Casmala, Camila Mazza e Telma Zennaro

With the majority of people doing bank transfers online, it's very easy to make a mistake or add an extra '0' on a payment, costing people lots of money! One listener accidentally paid 3 billion dollars instead of 3 million! See omnystudio.com/listener for privacy information.

O post O que é e como funciona o internet banking apareceu primeiro em Rede Novo Tempo de Comunicação.

Transações bancárias

Preocupada com o aumento nos casos de Covid-19, a Cresol de Lauro Müller orienta seus associados a evitarem as aglomerações na agência. Por isso, a coordenadora Lilian Leonardo sugeriu aos associados que priorizem os atendimentos digitais via Internet Banking e telefones, como o 3464-3013 ou o 9.9865-3131. “Devido ao caos da pandemia, a Cresol, preocupada, pede aos associados que se dirijam a agência apenas se tiverem necessidade”, afirmou Lilian, em entrevista por telefone ao Resumo Final da última segunda-feira, dia 13. Quanto aos atendimentos presenciais, a coordenadora reforçou a necessidade do agendamento.

Moneyweb Radio — Reana Steyn – Ombudsman, Banking Services

Yes Bank tweeted late on Saturday night saying that now depositors can withdraw their money from ATM using debit cards. Customers can use Yes Bank debit cards. Other debit cards can also use at Yes Bank ATM said by the bank. Yes Bank gave gratitude to their customers for keeping patience. From the past few days. There was a rush at the Yes Bank doors throughout the nation as RBI sets the transaction limit for Yes Bank customers to 50000. Yesterday on 8th March the founder of Yes Bank Rana Kapoor detains by the Enforcement Directorate. The Yes Bank founder detain after the next day of interrogation by the Enforcement Directorate at the agency office in Mumbai Maharashtra. Yes Bank founder Rana Kapoor book under the Prevention of Money Laundering Act. The superb move by RBI triggered the Yes Bank depositors who were in the queue at various ATM locations. ATM was out of cash at that time. The Unified Payment Interface service got affect. PhonePe service faced a lot of issues. UPI transactions showed failed on PhonePe as the Yes Bank has a deal with bank-to-bank transfer mode with PhonePe. According to Yes Bank, PhonePe mostly crosses the mark of 20million transactions per day. Yes Bank customers were facing the failure of Internet Banking and credit cards as the whole system was in distress. The Bank assured their customer that their deposit is safe. Yes Bank releases the letter and it is signed by the Prashant Kumar, former CFO of State Bank of India who has been appointed as YES Bank's administrator by the RBI. --- Support this podcast: https://anchor.fm/latestnewssuno/support

Stonie und Lack legen diesmal gleich ohne Soundcheck los und lästern, wie viele zivilisierte Menschen, über den Karneval, Teletext und Internet Banking. Wir sind wieder auf Brady Watch, checken NFL Headlines für euch, sagen euch wen ihr beim Combine besonders beobachten solltet und wir haben eine weitere Woche XFL Football für euch. Glaubt uns, das wollt ihr nicht verpassen! Und wenn ihr nach XFL Waiver Wire Tipps sucht, gibt's eh nur uns, also klicken und Spaß haben! Folgt uns auf: www.facebook.com/stonedlack www.instagram.com/stonedlack www.twitter.com/stonedlack www.youtube.com/stonedlackfantasyfootballpodcast

Summary: Summary: On this episode, you will learn about the Secure Act and how it affects your retirement plan and your future. You will also this get this month's real estate market updates. simplepassivecashflow.com/investorletter simplepassivecashflow.com/green10 simplepassivecashflow.com/alf simplepassivecashflow.com/lendmistakes simplepassivecashflow.com/dentist simplepassivecashflow.com/2020-launchYoutube link: https://youtu.be/pDTkhgS6S9c?sub_confirmation=1Website link: http://www.simplepassivecashflow.com/green10Start learning about real estate investing - SimplePassiveCashflow.com/startSubscribe to the Top-50 Investing Free Podcast - https://podcasts.apple.com/us/podcast/simple-passive-cashflow/id1118795347_________________________Top SimplePassiveCashflow Posts:This website has been going through daily improvements everyday since 2016. I admit things are a bit all over the place as I learn about these investments and wealth tactics. Events – SimplePassiveCashflow.com/eventsPast Projects - crowdfundaloha.com/past-projects/Simple Passive Cashflow’s Investor Friend Finder!!! –SimplePassiveCashflow.com/friendsMenu of Investing Options – SimplePassiveCashflow.com/menuLaneHack – SimplePassiveCashflow.com/lanehackPassive Investor Accelerator eCourse - SimplePassiveCashflow.com/ecoursePassive Investor Accelerator eCourse & Mastermind - SimplePassiveCashflow.com/journeyCoaching – SimplePassiveCashflow.com/coachingJoin our Private Investor Club – SimplePassiveCashflow.com/clubJoin our Team – SimplePassiveCashflow.com/jointeamOur Mission – SimplePassiveCashflow.com/missionPartner Opportunity – SimplePassiveCashflow.com/partnerProducts I support – SimplePassiveCashflow.com/productsAbout Lane Kawaoka – SimplePassiveCashflow.com/about-meQuarterly Investor Updates – http://simplepassivecashflow.com/investorletterSPC YouTube Channel – https://www.youtube.com/channel/UC3cIIsGKx3osVU5rt2P0HfQReal Estate Book Recommendations – SimplePassiveCashflow.com/booksBackwards Engineering Happiness – SimplePassiveCashflow.com/happyRental Property Analyser – SimplePassiveCashflow.com/analyserVisit Lane in Hawaii – SimplePassiveCashflow.com/retreatStart Here – http://simplepassivecashflow.com/startUltimate Simple Passive Cashflow Guide to…1031 Exchanges – Simplepassivecashflow.com/1031guideNewbies – SimplePassiveCashflow.com/noobInfinite Banking – SimplePassiveCashflow.com/bankingYour Opportunity fund – SimplePassiveCashflow.com/ofundTaxes – SimplePassiveCashflow.com/taxTradelines – Simplepassivecashflow.com/tradelinesTurnkey Rental Guide: simplepassivecashflow.com/turnkeySyndication Guide – simplepassivecashflow.com/syndicationCrowdfunding – SimplePassiveCashflow.com/crowdfundingNetworking – SimplePassiveCashflow.com/peoplePrivate Money Lending – SimplePassiveCashflow.com/lendInvesting in Coffee/Cocoa – SimplePassiveCashflow.com/coffeeInvesting in Non-Preforming Notes – SimplePassiveCashflow.com/ahpRent don’t buy – SimplePassiveCashflow.com/homeInvestor Fallacy: Return of Equity – SimplePassiveCashflow.com/roeHow to Calculate Investment Returns – SimplePassiveCashflow.com/returnsWhy you should break up with your Financial Planner – SimplePassiveCashflow.com/fpQuitting your job – SimplePassiveCashflow.com/quitTranscript:0:04When I got smart and so my primary residence to start investing investments that actually made sense who I needed a place to diversify quickly as opposed some money market or some high reward checking account Let's face it, turnkey rentals are cool and syndications are great but they don't come around often I stumbled upon the American homeowner preservation fund the owner George new marry once apartments indicator to is now sponsoring the podcast is fun cuts the middleman out to crowd fund the solution to the mortgage crisis in America they empower you to fund the purchase of distressed mortgages and earn returns at smoke any other passive fun if you find something else better out there, let me know oh yeah, they work with families to keep them in their home after buying an underwater note at a huge discount. It's an opportunity to make an impact on families and communities while earning returns. start investing with a zoals hundred bucks in invest in hp. com if you want the free burn zone book please send me an email at Lane at simple passive cash flow calm1:03This week we are going to be doing the 2020 February edition of the green sheet investor letter you guys can check out all these letters and past videos at simple passive cash flow calm slash investor letter. And make sure you check this out on the YouTube channel to make a bunch of slides. And if you're listening to this on the podcast version, probably going to want to check out a lot of the graphs that are put in there to kind of brings another dimension to this. But however you guys want to consume this podcasts YouTube channel, it's all fine with me. And those of you who are high net worth passive investors1:36still using a 401k or self1:39directed IRA, you're doing it all wrong, man. I don't have any retirement accounts because I would rather pay taxes on it today when my income is less than in the future. Just very counterintuitive. People will say that you're going to make a lot less in the future, which as you know, we do things a little bit differently at simple passive cash flow, why I'd like to not use a timing plan or what we call requalified money is that I want to avoid the unify and you bit tax now the one way you can do this VA retirement con is called a QR p or qualified retirement plan you guys can check this out at simple passive cash flow calm slash qR P and also fill out the form there and you can get a free book sent your way to learn more about it and here is the show is2:20a story about a dude named Lane he moved to the mainland and bought one place to stay and then one day he went try to rent them out2:28and then he became one real investor.2:33It is February 2020. This is the monthly market update or I collect a bunch of news articles that I've sifted through. You guys can find the show notes on the sun at simple passive cash flow calm slash green 10 that's with a one zero green one zero. And I do this every month recapping what I've been up to at the end and some of the biggest news headlines that I've been seeing that I think in pack macro and some Micro markets out there. Again, all these will be posted on the YouTube channels if you guys are missing out on the audio or the video version, guys just checking on this on the audio version, you guys can check out more there too. So if you guys don't know who I am Lane Kawaoka, I still have my PE and you guys probably found me through the simple passive cash flow podcast. But if you guys haven't already joined our Facebook community online, probably find it by going through simple passive cash flow. We is what we call ourselves. So biggest news that happened this month case you didn't know it, but they signed the secure act which basically Rob millions of millions of dollars and millions of Americans without you guys even knowing. So let's break this down. What is the secure act here? So you remember when the government was kind of going bankrupt and they needed to come up with some new laws to not have that happen while this is the byproduct of it. And what it is, is a way of generating income for the government, which is typically not very good for us. Americans is In a better way, kind of the deal for us got worse. So here's a few bullet points it expanded the ability to run multiple employer plans for plan years beginning after December 31 2020. Had safe harbor rules apply for plan years beginning after December 31 2019. Long term part time workers permitted to participate in 401k plans which applies generally to plan years beginning after December 31 2023 consecutive 12 period the employer has at least 500 hours of service a repeal the maximum age from making IRA contributions which appeals to contributions made for taxable years beginning after December 31 2019. Increase the age for a minimum required minimum distributions which we call it rmds to 72 and applies to distributions required to be made after December 31 2019. With respect to individuals who attained age 70 and a half after such You guys are probably sleeping, you guys are probably just like any other Americans probably didn't pick up anything, nothing really popped up there. But here is there were some good things in there. Frankly, I don't really care because I don't have any retirement plans myself, I rather invest my money and take all the depreciation today and live off that today. So they changed the rule with rmds after death. So before they got rid of stretch IRAs, you guys can go all that you want. But basically what you were able to do is say your parents died and they had an IRA, they could give it to you and they would keep going stretch, but now they have this little nasty rule a year that basically requires all IRAs and qualified plans to be distributed within 10 years of death. So you got a limit. So if your parents die and you have this money, you got to spend it in 10 years, so the red flag should be going up. Everybody got screwed out there. The Senate version had a five year limit by the way, but it turned out to be a 10 year time horizon. There is a next Up to the 10 year rule for surviving spouse. So if your wife or your husband dies, they have the IRA that 10 year rule doesn't apply. Also exemptions children under the age of minority. So basically, if you're a kid and once you become an adult, I believe that 10 year old clients at that point, it doesn't apply if you're disabled chronically ill, and another individual who is not more than 10 years younger. So look at it from this direction the government wants to wants to harvest returns from us, the citizen, they want us to pay taxes they want. They want to get the money out of these silly retirement accounts that they promised everybody that they would have tax free, but at some point, they're going to tax these things. And the government's just sliding all this revenue up quicker. That's essentially what's happening here. So it's a big, big deal. This is just a good example of how these tax laws can change. Back in the clinton days they inherited tax with way less, it was like 600,000 today their inheritance taxes. Super, super high. You know, that's why you have kind of read government at this point. But if somebody else gets in there, these rules might change. And one of the biggest things in here is under the RM DS. The biggest exemption is a surviving spouse, they may just choose to get rid of that whole surviving spouse exemption, which means if your spouse passes away other than all that the heartache and the sorrow you're gonna have to pay taxes on their estate, which I think is unfair, but hey, that's like a one of the coolest byproducts of this is if you guys are doing the QR PS you guys can contribute up to when you file your taxes. So if you're like me and all the cool kids filing your taxes in September and October, you can contribute to your to your P for the previous year, all the way up to that point, just like how you're able to do for your Roth IRAs or IRAs, same kind of rules apply. So the secure act kind of open that up and then now you can have annuities and your retirement plans. So that kind of opens up a whole new door for those of you You guys, you know playing around with life insurance, Internet Banking concepts there. If anybody has any questions on this, feel free to type it into the chat, but I'm going to move on to kind of more rapid fire headline title is top multifamily markets in 2020, or the small metals and the suburbs. And they're seeing as a result of the slower economic growth apartment demand is projected at 240,000 units in 2020, which is approximately 20% less than that of 2019 estimated 300,000 units CBRE are he comments. rent control is sort of making a comeback. There was real laws passed in late 2019. Limiting and rent increases. If you read into it. It doesn't seem as bad I guess depending which side of the table you're standing on right politically, but sometimes they'll put in restriction where it needs to be based on some higher number that they're really never get, I think is sort of fair. But regardless, I mean, if you're investing in California, I don't know why you arguing that or even any other blue state for that matter probably not getting the rental value of the 1% rental value ratios for anything that's not a war zone property or C class property or worse. So I don't know why you would be doing that the U haul release their top 20 growth cities for 2019. And this is something I tracked closely This is the U haul is which used to move around with when you are broke and you didn't have any money. So it's it's a good indicator for what the blue collar workforce housing folks are doing when they have to move. A lot of the influx of people are in the Florida State Raleigh Durham, North Carolina is number one, Ron Rock, Texas is number for a lot of Florida ones in here, Cortland, Idaho Manhattan, Harrisburg, Pennsylvania. Actually, I don't know if this chart is incredibly useful. I mean, its top growth cities I'd rather see in the more regions and states that'd be how I would use the U haul Report.9:58I'm super excited about new program. I'm rolling That's going to reinvent scammy Real Estate education programs. So excited like Marie Kondo cleaning stuff up excited. Announcing my new mastermind program which consists of a closed members site with 27 packed weeks of content, plus bi weekly group video conference calls to us whatever half of the calls will be centered around granular investing tactics, and the other half will be holistic wealth building strategies that I have learned from the wealthy.10:25That's 25 plus hours of group coaching and masterminding and a secret Facebook group too. I know what you're thinking none another flippin Facebook group. Well, this one's going to be different, more intimate, exclusive, and no cheapskates or shady vendors in it. I've been coaching individual clients over the past couple years and I figured out what you guys need in a way to provide it in a cost effective way. learn more, go to simple passive cash flow.com backslash journey and join for the first cohort fills up, an introductory pricing goes away.10:59Update online conservation easements This is more for the accredited folks who make over two to $300,000 adjusted gross income per year but for everybody's entertainment what our land conservation easements so land conservation easements are a tricky way of getting a tax write off by designating a piece of land a land conservation easement, it no development can go there in the future by doing this, it becomes sort of a taxable donation. So just like how you take a bag of old clothes out to the Salvation Army, and you arbitrarily call that $500 but what you're doing here is you're taking a piece of land that has some nice environmental value to it like they usually put it around like chump will do this around his golf courses, and they'll designated a land conservation easement. But the tricky thing is that they'll like they have the value of land but then they'll mark up some kind of like fictitious development plan to be basically get an appraised value of when you are five to 10 times higher than what the land is actually worth. So what guys will do is though and invest or basically donate 50 grand and it goes on a taxable donation, but they get like a five to one pop on this stuff. So for every 50 grand they donate, they get 20 $50,000 of deductions, not credits, deductions, but for a guy and, you know, making more than $350,000 a year, that's a lot of money at 50 cents of every dollar of tax savings. The news is recently a lot of this has been getting a lot of unpopular attention, and it is kind of fishy. So investors are kind of in a holding pattern, how they're doing this. If they really need to get the tax deduction. What they're probably doing is just chancing it and doing it but they're not being overly aggressive and they're sticking to a boost ratio of five to one or less. So it's kind of one of those things where you don't want to be greedy, was it pigs get slaughtered hogs get fat so he basically buying charitable donations at 16 cents on $1 couple of charts markets with the largest rent growth year over year from November to November 2008 22,019 and the with the markets with the largest rent decrease I have these charts flip flop but the list you don't want to be on these are the losers number one Midland Odessa number two Honolulu number three bathroom rage before Scranton and number five, Lafayette Louisiana and the winners a top five markets are number one Pensacola which went up 8.3% Phoenix Arizona went up 7.9% number three Huntsville Alabama went up 7.1% for is Las Vegas 6.4% and number five, Portland, Maine which we went up 6.3% I'm aware of all these markets of Pensacola was kind of a weird one. I got surprised by that one someone told me it had to do with I guess there was like a hurricane there a while back ago and now this is part of the bounce back. Most markets will just kind of get keep pace with inflation, maybe two to 3% a year more of the hot markets will be five to 8%. So these are hot markets here. Amazon's 1.4 million square foot Florida project near Orlando is taken off. But don't be misled by another Amazon fulfillment center. This one's only going to have 500 new full time positions. And when you're looking at a tertiary market, for example, Huntsville, 500 jobs, it's nice right but not that much. Usually a bigger announcement from a major employer might be more like on the 1000 magnitude or higher one the few thousand jobs that's a big news but I think you see a lot of these new sources for real estate they'll say a search an employer, but at the end of the day, you really have to see what kind of what's the numbers how many people are going there. And also what is the multiplier effect for like a Boeing or like a car manufacturing on you have a lot of the ancillary other providers like bait build other pieces of the car the airplane. I don't know how it is with these Amazon fulfillment centers maybe if somebody sells snacks at the 711 or something like that but I don't think you have a big multiplier on on that but I could be wrong realtor.com came out with their 2020 housing forecast and they are take it for what it's worth right a bunch of realtors then again they do like to spend money on a lot of things like probably a lot of number crunchers and data peoples but they're saying mortgage rates by the end of the year will be going up a little bit to 3.8% average median home price will go up almost 1% existing home sales will go down 1.8% and I believe that talking more about volume than pricing and then homeownership rate 64.6% and single family home starts which are new builds will be going up to 6%. And another site but I found from our friends@realtor.com are is that millennials make up over 46% of the mortgage rates. donations up from 43% last year according to realtor.com. So maybe the millennials are finally moving out of mom and dad's basement and getting into the game. It's about time we have some more news on that later. Another news headline says us monthly volume and pricing trends by sector. This is post setup at simple passive cash flow calm slash investor letter, and then you can drill into the February report. From there Howard Hughes spends bottom half a billion dollars in Houston and his portfolio includes the former headquarters of a narco petroleum and chemical Philips plus a warehouse and developable land. A Seattle office report says that in Seattle, there's strong market dynamics continue to support the metros rapid expansion with a saturated tech sector extending and shaping the current real estate landscape. So yeah, Seattle has a lot of tech jobs, the big white collar workforce apparently they Working in offices, right? Go figure that there's a little chart there showing the growth of that more of that office space employment. So here was that us monthly volume and pricing trends by sector. So you have the office, industrial retail and apartment space shown. A lot of you guys are into technical analysis. I don't know if you guys are any good at it. I was never but you have the price growth, which is the line but then you have the volume bars underneath it. And usually when you have a lot of volume and you have movement, then that's a positive signal that you can really look at as a trend. And when you have movement on low volume, that's typically a maybe a false positive trend, a little map here of the largest employer in every state. Some of the more popular ones where our community is mostly based out of Washington is bowling. Oregon is Providence health. California is the University of California. That's a little weird, Nevada. MGM resorts, we don't care too much about those other states. Hawaii is altered industrial and never heard of them. But pretty much everywhere south east of Texas, Oklahoma, Kansas, Iowa, Illinois, Indiana, Ohio, Kentucky, North Carolina. I think that's Virginia. Everything south of there is Walmart or the biggest employer in the state. So a little bit of trivia there. So I was reading some articles on newer trends in apartments and some of this was more on the E Class side. Coffee calls the A plus side I mean, these these are like the 1500 dollar to 20 $500 one bedroom apartments. So they're saying like, what are the new amenities that are going in and all of this has nothing to do with stuff I buy, which is the more workforce housing It is interesting to see what is going in there. So they're saying like the peloton bikes, the ones that had the little computer screen that apparently people are going crazy over recently, they have gyms in the apartments they want the tenants to feel special. I don't know what that means but more like white glove service. I know a lot of people have kind of been taking my advice and selling your primary residence because it doesn't make you any money invest the money instead and a lot of people are really liking the apartment life. You got the pool, you got kids, you don't have to worry about cleaning anything. They like the pool, you got a gym, there's a pool, and it's a lot cheaper to don't believe that nonsense of renting is just throwing money down the drain. I mean, whoever said that's probably stuck at the day job. You don't want to listen to that guy. impact of the next recession on the multifamily market is the next on topic. This came from the US Census Bureau data. So in the green line, it's showing that the vacancy rate, which typically is between six and 11%, obviously after the recession kind of spiked a little bit but over 10% but slowly but surely the past 10 years it's been coming down to almost all time lows for About 7% or so. And homeowner vacancy is usually about 1% to 3%. I pulled a chart of the stock market here. I honestly don't really follow the stock market stresses me out. But from time to time I like to know what's happened just so I can kind of poke fun at people who like trade stocks and options and think they know what they're doing. Yeah, I mean, pretty much at all time highs where we were in year 2000. Here market US market cap divided by GDP is what I'm looking at. So I don't know if you guys have bosses that shop at Macy's but they might be really sad because nearly 30 of the retailers 641 locations wash clothes following a decline in comparable sales through the holiday season. And we've been following this trend the last few months ago and listen to pass investor letters to get was forever 21. I can't think of the other ones but a lot of these storefronts We're kind of going out of business. It's the whole click vs brick battle get it click on your Amazon versus anyway another article that I put up is the retail property taxes is likely to rise and Sapir one announced that it will close up to 450 stores the electronic store Bose A lot of you guys like to wear and be anti social as you go out in public will close the remaining 119 retail stores but it's not all doom and gloom because if you shop at the discount retailer Five Below they will be opening 180 stores actually bought that place was like a frozen yogurt place at one time and then I went in there and I found that otherwise so Ponzi scheme alert $700 million from the income store. Now we did a podcast maybe about a couple months ago about buying websites sort of like how you buy a distressed house you buy distressed website that is suitable for me you make it a little bit better. So the income store I understand that This this model, right is is sort of like a trading you could you could buy and sell websites on there. I don't know exactly what they were doing. But apparently they took everybody's money and this kind of story came out, which is kind of a shame. You know, I'm all for getting these marketplaces open so entrepreneurs can get involved, but it's times like this where like, it makes everybody gun shy where you get one back after that kind of spoil it for everyone. We were talking a little bit about the millennials possibly moving on and finally buying homes. So there was a study that came out by the Deutsche Bank research that the median age of homebuyers is now 47 years old. And that went up from 31 to 47. And there's a little graph there. That shows, you know, way back when in 1980, the median home buyer age was 30 years old, and it's just been going up year after year after year. A lot more since the financial crisis. I mean, I guess people are having kids lot later. Another graph millennial share of the US housing market small and shrinking. So this graph is showing the millennial home ownership, slum share of American real estate home by each generation by medium cohort age. So showing how the baby boomers are they love that homeownership stuff. And then the Generation X folks, they're kind of hitting their Apex it looks like right now and then the millennials are kind of behind some new trends in apartments or in housing in general are bigger showers so you can cold shower, I don't know maybe have two people in there. I don't know what that's all about. But it was interesting. Like we have a more of a nicer apartment more of a B plus asset. And what we're having to do there is removed a lot of the bathtubs because people just don't use it. They'd rather have a more fancy or tiled shower than have a bathtub. They'll pay more for that. So I don't know if they're gonna fit two or more people in there but the showers a little bit more popular more modern these days maybe that has to do with people just being too busy. They just got to go in and out. They can't put rose petals around their bathtub and drink wine around that time. I was just joking there. Some of you guys need to laugh a little bit later in the day here. And then multi generational housing is becoming more popular and Hilton's launching this new brand called temple. So it's supposed to cater towards ambitious modern traveler, whatever that means you'll have iPhones or something like that for strategies for 2020 success in class, the multifamily space I've kind of moved on from classy properties, they're really difficult they never pay I think it's just better to be more in a B class type of asset unless you have a really really severely under market and you're going to do heavy value add like more than five six grand per unit rehab per unit. But this article that there's four strategies that they cited, first one was new markets. So looking markets that people aren't looking in number two was employing tech. And I really understand this whole tech angle. They're saying like, Oh, you have to use Alexa and all you know the little things, all that Amazon stuff, you don't put that in class B and C properties that'll grow legs and you'll you won't find it anymore. But maybe they're talking more about the smart thermostats. It didn't say 10 employees because in these type of areas, your employees are very important the leasing agent you pay them on salary in apartments and then regulations because like all the new rental control laws has been upon all that stuff. Very important recently went to a mastermind and a family office gentleman came in talk to us about a few trends that are happening said that in the year 2025, there'll be more people turning 65 then babies born so that means there's going to be a lot more older people soon but don't go to simple passive cash flow calm slash elf and start to learn how to make your own assisted living facility like A lot of you guys will do that is a huge, huge undertaking and something I tried to do and I just backpedaled and plus the silver wave isn't there yet, like a lot of the baby boomers are finally retiring, it's going to be another decade or two until they really start to use that assisted living facilities. Another big trend that they cited was the race for 5g and I don't know how to pronounce right, like who way but there's this big, big thing versus them, the United States where they don't want to use their technology because they think they're going to steal from us. I don't know if that's true if they really gonna steal from us. But you know, being from America probably isn't good if they win that race. And it's sort of the modern day race to the moon. It's riddled with backdoors. Lane two, don't trust it. Don't trust it. All right. Good thing. We're still getting the G here in Hawaii. So it'll be a while. Another thing that I found interesting from the presentation was, I think in the year 2026, there's going to be more electric cars than gas cars. That's sort of the inflection point. You know, a lot of these guys are family office money. And if you've never heard of these terms private equity family office and venture capital private equity is kind of the syndications people who are a million dollar to $5 million network. We're family offices are more on the scale of 50 to 100 plus million dollars, big money housing market falling short by nearly 4 million homes as demand grows. So this is just more of a general article. That's just reiterating. Look, guys, the country needs housing, and especially housing for folks who don't make $100,000 or more. And we're continuing to build new product, but the pace of population growth is increasing, and it's not keeping up with the pace with demand. And that's why I think why a lot of us fall back to real estate because it's sort of a commodity and you'll always need it. New podcasts and articles that I put together in the month of January 1 was the financial freedom for dentist so I have a lot of dentists in the mastermind program like almost seven or nine of them I realized so I got a bunch of their thoughts together and I remove the identities and zip codes and social security numbers and I put some of the the thoughts there and might be more of a dentist thing but it might also apply if you're a doctor or any other high paid professional to another article I wrote was the private money lending top mistakes I put it at simple passive cash flow calm slash lend mistakes you can also check out the dentist article at simple passive cash flow calm slash dentists we had an accredited investor Come on the podcast and do a coaching call with me appreciate when you guys do that i a lot of you guys really like to watch vicariously you know for high paid professionals is really many different scenarios that I have a lot of these coaching calls in the YouTube channel. I have them in index and a section if you guys want to check out some of the past ones. Yeah, check those out. And see if they help you but just know that not all situations are like and the biggest part of this at the end of the day is deal flow What are you going to do right like you read that Rich Dad Poor Dad book and you're like All right, we're going to take over the world but what are you going to do? You don't know right? He doesn't say anything because that kind of changes all the time. Who do you work with December 2019 they changed some borrowing standards. Some of you guys are still buying those rental properties or turnkey rentals there was some changes and how they calculate think that to income you guys can check out there all these links are again on simple passive cash flow calm slash investor letter number five here habits you guys miss the goals webinar. I believe the webinar was simple passive cash flow, calm 2020 dash launch. Do you guys want to go and watch that webinar again, but I made a little sub article on habits and I had Richard Wilson on podcast 184. He is a family office guy who manages and millionaire families. You guys can check that Went out at simple passive cash flow calm slash family office catching up on that chat box here one person mentioned or they're asking my opinion on the previous retail malls at least metropolitan areas possibly converting to food halls areas for experience halls I'm looking into like commercial commercial centers, these are the more ones with your haircut, place your food place grocery store, because I think you're always going to have to go to those and that's why Amazon had the insight to buy whole foods of brick and mortar at the end of the day. I mean, still the minority of transactions are done online. I think the problem is the more mulish you know, your cube malls not the big boxes like the Best Buy and those type of areas but going to the mall, that experiences going away. And yeah, I think you point out a good thing here like food halls, eateries and experience observe definitely coming online, right? We're like the old 90s retail mall that's obviously kept dying. But now people want more experiences or something family friendly or just a variety of food options. It's kind of like a one stop place. I guess it just kind of reinvents the idea of what going to the mall is. I mean, I saw I was just wasting all the time couple weeks ago during the holidays watching this like these guys went into an abandoned mall and YouTube probably find them on Dandan mall videos but yeah, I mean people want more funding hop golf will have that stuff the whole Have you ever been to Vegas guys like to do that? Well, I know you guys are thinking something else at this point. But like the construction equipment, like you have construction equipment, you just, you know move dirt around that kind of stuff or like escape rooms I like escape31:38from things like drive a tank or31:40you know, various experiences coming unique. The can't get a lot of places, right? I know that they call them D boxing to where they take a big space and they'll chop it up into these little food halls too. That's another term. I'm more of a spectator with this stuff. I kind of see it. I kind of watch it but I think as an investor, I try and stick to Certain things that I know, but eventually I think at some point multifamily apartments will just get so saturated by people who think that they can do it. Because I guess it's kind of true, you can kind of just pick a property manager and you can get lucky. And it's easy. And that's why a lot of people do it. And that's why a lot of the dumb money goes there. So eventually things will correct. And apartments won't be as good cap rates as other things. But I'm going to move into more of what I've been doing other than spelling things wrong, like I normally do. But these are the six needs that Tony Robbins always talks about. So this is how I always break it up. We're meeting growth, trying to get to know my investors better. I probably had about three four calls with investors every day for the past month. I think everybody wants to get on their 2020 goals and book a call, but we haven't had a chance to connect trying to connect with everybody at least once. So go ahead and do that. And then I'm also planning the tour's been high gain and do a luau in Hawaii and you guys can check that out symbol passes. Cash Flow calm slash week three, that's February 714. To 17 way I'm trying to contribute back to others, you know, and those calls, I always try and make it a point to give some kind of referral or critical feedback to anybody because I didn't really have that when I was building my portfolio. And I think a lot of people don't realize like, I'm gonna bought my first rental in 2009. And I bought my next one in 2011, I think or 12. But for like about five years, it was like watching grass grow. And I wish somebody would have told me don't buy 11 rental properties. They're a pain in the butt. I wish somebody would have told me that number three significance. So I've kind of been turned on to this whole family office concept where you kind of work with a smaller number of clients. So I've been kind of focusing on maybe turning into a family office where I work with people who are one to $10 million net worth folks where I'm sort of the consultant I'm in the middle of the wheel, doing the wealth planning, estate planning, wealth management, tax planning, trust and Corporate Services, family, governments. And then you know, what is the meaning behind your existence like a charity philanthropy, you can't just get a tax guy right on your team because the tax guy doesn't talk to the deal guy who doesn't talk to the wealth management guy, right? It's good that you get specialists on your team and you should, but there's a reason why there are specialists, they don't have the big picture away. I'm getting uncertainty. And the reason why I put this there and I read all I'm really like certainty, and I know all we all do, we all like to stay in our comfort zone. But I'm going to try do the first multi day event in Hawaii. I've been trying to plan it this past week, which is getting to be pretty close up to the wire. That's just how I do things, but it's gonna be cool. It's gonna be awesome. It's gonna a lot of fun. I think we got probably about over 30 people coming. So it should be good. How am I getting certainty in my life? So we had a gentleman Microsoft come to our mastermind group to kind of talk about how do you grade different investments and he kind of says great idea of budget 1234 of investment grade versus speculative grade investments, and assuming that the performers are using good assumptions and not just bogus yeah you can kind of break it down what kind of investment philosophy do you have? Are you just want to go balls to the wall and just do a high growth or you just want to do cash flow stuff and should you do that if your net worth is under half a million dollars so you got to take on some risk right if your goals are bigger number six love and connection so I been consciously trying to book four trips a year now they don't have a day job it's hard because I go traveling all the time to check out deals and but I encourage everybody to plan vacations. I know that sounds really silly but most people don't do it because if not you can just be Kobe Bryant and just disappear off the face of the ER was all for nothing. And what some of the resistance or distractions that I've been facing that I'm sure everybody else's the heck it's February right guys, you're one fourth way through the year and you had all these goals, you probably forgot the damn things, you know. Just remember you're gonna be like Janet is March going to be like January other than that no exceptions living a good life things are good some junk is buying your bought this like doorstop it's kind of heavy it's a Boolean to you guys can get the links on the website and I've been like trying to buy a lot of things that are automated. So I have these crazy automation with Alexa and trying to automate everything but I found these super simple you just press the button based on how long you want it to turn on. So the coffee pot I'll just turn it on for an hour so doesn't go on. And I've been reading this book willpower doesn't work by Benjamin Hardy, so heavier ears if you like to read books, but here it is in one minute. As human beings we are terrible at executing we need to give ourselves every single chance that we can get to hit success and a lot of that is building systems around making us successful. So what time you're waking up What do you how do you set the table for your day The next day, I just like reading the book and I would listen to subconsciously and they would mention certain examples and it would like trigger different things for me to change or new systems and put in place I can't really think of any right now. I would recommend it it's a pretty quick read no easter egg for you guys they know happy things. Here's the legal disclaimer And that brings us to the end of the February report. That's it. We'll talk to you guys next time.37:26This website offers very general information concerning real estate for investment purposes every investor situation is unique always seek the services of licensed third party appraisers inspectors to verify the value and condition of any property you intend to purchase. Use the services of professional title and escrow companies and licensed tax investment and or legal advisor before relying on any information contained herein information is not guarantee as in every investment there is risk. The content found here is just my opinion and things change and I reserve the right to change my mind. Above all else, do your own analysis and think for yourself because in the end You're the only person who is going to look out for your best interests. See acast.com/privacy for privacy and opt-out information.

--{ "The Lessons of Deceptions: PSYWAR Works on Masses, Individual Objectivity is Forsaken, If Two Plus Two Remains Four Indoctrination Has Not Taken." © Alan Watt }-- The U.S.A. was Called The Great Experiment - The Soviet, Socialist System was the Second Great Experiment - Positive Freedom and Negative Freedom - It's Beyond Virtue Signaling; I Call it Social Preening - Losing Your Culture, Rationing, So-called Privilege - Up to the 19th Century, Music and Architecture Reached Great Heights - Religious Music that Touches Your Soul - Totalitarians Hate that Which Can Stir the Soul; the Big Idea - Religion had to Be Destroyed - Messages and Updates all Through Fiction and Entertainment - Oldthink - Mao Tse-Tung said He was Most Afraid of A Big Idea - An Irish Journalist Visited by Police who said They Were Worried about How He was Thinking - Bolshevik Revolution; Secret Police, Enforcers; Where did They Find These People who would Carry Out Such Atrocities? - Diabolical Hatred - They Couldn't Bring this System in Without the Computer; Your "Personal" Computer - The Money Magicians at the Top - Psychopaths and Their Hierarchy - Dependent on the System; Internet Banking; Bertrand Russell on Credits - Universal Basic Income - Bertrand Russell said, I can Make Your Children Believe Snow is Black; They can Make You Believe Anything - Orwell's 1984 - Agenda for the 21st Century, Agenda 21 - Young Folk have Their Whole Lives Taken Up by Electronics - Watched 24 Hours a Day - Movie, The Circle - Trump said He Wanted to Increase Surveillance Technology - Self-Policing - Agenda is Much Bigger than Technocracy - We don't Get News; What Passes for Politics is Entertainment - In the Past, Christmas Brought Us Back to Basic Humanity in Our Little Transient Lives - Destroy Religion and The Family Unit - US Troops in Iraq - They're Watching You Like Hawks, Flagged by Algorithms - Guzzling Entertainment, Living on Fiction, Getting Brainwashed - We're Not Governed, We're Ruled - Psychiatry won't Help Soul Sickness - UN Approves Russia-backed 'Cybercrime' Treaty - Criminalizing Speech - Australian Bushfires: A Smart City Conspiracy? - Dr. Day, Conference in 1960s Talked about Burning Folk Off the Land if Necessary - Guardian Newspaper Headline Tells You What You are Supposed to Think: "Agenda 21 is conspiracy theory. But don't dismiss Malcolm Roberts as a harmless kook" - Headline: Agenda 21: Tens of Thousands of Aussies are Engaging in a Chilling Conspiracy Theory that Claims the Global Elite is Slowly Trying to Kill Us All - ICLEI – Local Governments for Sustainability; The ICLEI Oceania Regional Secretariat Serves the Interests and Needs of Local Governments in Australia, New Zealand and the Pacific Island Nations - Population Reduction - Sustainable Development - Australian Water Sold for $490 MILLION to Foreign Company During Drought - Dozens of Firebugs Blamed for Destructive Queensland Fires - Extreme Heat in 1896 in Australia - Colleges are Turning Students' Phones into Surveillance Machines - George Orwell - The Freedom of the Press - The System We're in Now is the Super-Soviet - British Home Secretary Signs Extradition Order to Send Julian Assange to US - Church of England - Christian Persecution 'at Near Genocide Levels' - India Refuses to Compromise on ‘National Interests' for US Trade Benefits - Pompeo Woos India with ‘Secure' 5G, Arms Sales and Nuke Project -The Whole System Today is Conology - Queen Faces a Costly £86 Million Repair Bill for Prince Charles's London Home Clarence House as it Gets Set for a New Year Makeover - Russia and China Agree to Bilateral Trade in National Currencies - Euthanasia - Life has to Be Exalted Again, Put Back on the Pedestal that Julian Huxley said it Must Be Removed From. *Title and Dialogue Copyrighted Alan Watt - Dec. 29, 2019 (Exempting Music and Literary Quotes)

É bem comum ver pessoas comprando passagens de avião utilizando milhas aéreas. Enquanto isso, muita gente ainda não consegue acumular as tão sonhadas milhas, e algumas, mesmo depois de acumular não sabem o que fazer com elas. Existem ainda as pessoas que têm muitas milhas acumuladas, mas não desejam viajar no momento e prefeririam ganhar um dinheiro por essas milhas. Ao longo desse texto traremos informações sobre todos esses assuntos, em busca de ajudar quem ainda tem dúvidas sobre milhas.  Se informe Determinados cartões de crédito oferecem programas de pontos, que mais tarde podem ser trocados por milhas aéreas. As regras de cada banco, bandeira e categoria são diferentes. Portanto, o primeiro passo é se informar sobre os benefícios do seu cartão.  Para saber esses detalhes, cheque seu Internet Banking na aba “cartão de crédito”. Além disso, existe também a opção de ligar para a central de atendimento do seu banco ou procurar informações na internet.  Como acumular pontos Depois de saber o que seu cartão de crédito te oferece, o que resta fazer para acumular pontos é simples: gastar no crédito. Quem tem costume de fazer compras apenas no débito pode considerar concentrar as despesas no crédito.  Quanto mais você gasta, mais pontos você ganha. Porém, vale lembrar que isso não pode se tornar uma desculpa para gastar além daquilo que você tem. O acúmulo de milhas não pode levar ao descontrole de gastos. Inclusive temos conteúdos que ajudam no planejamento financeiro e controle de gastos. Além disso, outra maneira de acumular milhas aéreas é viajando. A maioria das companhias aéreas possuem seu próprio programa de pontos. Sendo assim, quanto mais você viaja pela companhia, mais milhas você acumula para viagens, obviamente, na própria companhia ou nas companhias parceiras que participam do programa. Assim, diferente de quando você acumula milhas pelo cartão de crédito, suas milhas já ficam direto nos sites das companhias aéreas. Quando você for comprar sua passagem, portanto, só precisa entrar no site, selecionar a passagem desejada e escolher a opção “comprar com milhas”. Dicas importantes Uma dica que pode ser interessante para quem deseja acumular milhas é pagar seus boletos no cartão de crédito. Essa é uma estratégia que muitas pessoas já utilizam, e funciona da seguinte maneira: alguns aplicativos, por exemplo o PicPay, Recarga Pay, Mercado Pago etc, fornecem a opção de pagar boletos pelo cartão de crédito.  Você conecta seu cartão ao aplicativo e, então, paga seus boletos por lá. Assim, você transfere um gasto que você já teria para o crédito, e aumenta os pontos ganhos sem precisar aumentar seus gastos: o que antes você pagaria à vista, pagará no crédito. Os aplicativos, entretanto, têm limite de pagamento de contas no crédito. Caso você exceda esse limite, que normalmente é em torno de R$1000, é cobrada uma taxa. Portanto, vale a pena utilizar essa estratégia até atingir o limite, caso você não queira pagar uma taxa extra. As regras desses aplicativos, porém, mudam com certa frequência. Por isso, é importante conferir como está o benefício oferecido no momento em que você deseja utilizá-lo. Também é importante dizer que você pode utilizar mais de um deles. Portanto, para quem tem paciência e interesse nessa estratégia, ela pode trazer uma boa quantidade de milhas mensais.   [toggle title="Quer saber outras dicas sobre viagens? Veja nossos conteúdos relacionados ao assunto..."]Saiba mais  sobre: Voos cancelados; Dicas para economizar em viagens ;  Viagem internacional: não passe aperto com dinheiro;[/toggle] Como trocar os pontos por milhas aéreas Depois de acumular os pontos o próximo passo é transferi-los para os programas das companhias aéreas. Os principais do Brasil são o Smiles (da Gol), o TudoAzul (da Azul) e o Multiplus (da Latam). Os principais bancos tradicionais (Caixa, Santander, Bradesco, Itaú, Banco do Brasil) transferem os pontos para pelo menos um desses programas.  Caso você tenha preferência por alguma companhia aérea, o melhor é escolher o programa de pontos dessa empresa. Caso você não tenha nenhuma preferência, é só escolher o programa que ofereça as melhores condições para suas necessidades. Isso porque, a partir do momento que você escolhe transferir seus pontos para um desses programas, seus benefícios nele serão maiores. Quanto mais pontos e mais voos em um programa específico, mais benefícios você terá nas companhias parceiras dele. Você se fideliza à essa empresa, e se dispõe a utilizar seus serviços com uma frequência maior. Ou seja, o melhor, geralmente, é escolher apenas um programa, e não participar de todos. Vale lembrar que um mesmo programa pode ser parceiro de várias companhias aéreas. Por exemplo, o Smiles é parceiro da Gol, da Delta, da Airfrance e de mais de 20 outras companhias. Portanto, suas milhas no Smiles podem ser usadas em qualquer uma dessas companhias. Já com o TudoAzul você pode voar na Azul, na United Airlines, na TAP e na Copa Airlines. No Multiplus, da Latam, você pode voar na American Airlines, British Airways e em muitas outras empresas. É importante também que você saiba como é feita a conversão de pontos para milhas no seu cartão. A maioria das trocas é de uma milha para cada um dólar gasto. O dólar, entretanto, é apenas usado como medida: suas compras podem ter sido feitas em reais. Além disso, é importante ressaltar também que existem alguns cartões que oferecem mais milhas por dólar gasto. Outra observação a ser feita é que cada cartão tem um prazo de vencimento para os pontos, e você deve se atentar a ele para que não expirem. A maioria dos pontos ganhos por compras no cartão de crédito tem validade de cerca de 2 anos. Alguns, ainda, nunca expiram. Como vender milhas aéreas Hoje em dia a maioria das pessoas já conhece o serviço de vender suas milhas aéreas acumuladas, mas aqui explicaremos melhor como ele funciona. Caso você não esteja pensando em trocá-las por passagens aéreas, pode optar por conseguir um dinheiro por elas.  Uma das maneiras mais comuns de transformar suas milhas em dinheiro é vendendo em empresas especializadas nessa compra, como a HotMilhas e a MaxMilhas. Testamos como funciona o sistema de venda de milhas na MaxMilhas, e vamos detalhá-lo a seguir. Passo a passo Primeiro, você define a quantidade de milhas que deseja vender e quanto quer por elas. A MaxMilhas, para facilitar essa precificação, informa qual é o valor pelo qual as milhas foram vendidas nas últimas 24 horas, e especifica valores mínimos e máximos para que você escolha algo entre eles. Se você quer o dinheiro com rapidez, o melhor é escolher o valor mínimo. Se você não precisa dele com urgência, e prefere esperar mais tempo, mas lucrar mais, escolha valores mais altos.  Depois que você cadastra suas milhas, elas ficam disponíveis para que o MaxMilhas utilize-as para emitir passagens dos compradores. Ou seja, alguém vai até o site do MaxMilhas comprar uma passagem, paga em dinheiro, e o site seleciona as milhas mais baratas que estiverem disponíveis para ele e as troca pela passagem desejada. Quando suas milhas forem utilizadas e a passagem for emitida, você recebe o valor correspondente a elas em até 20 dias úteis.  Existe também a opção oferecida pelo site de Venda Rápida, na qual suas milhas são utilizadas em até 3 dias úteis, e, depois que a passagem for emitida, você recebe o valor também em até 20 dias úteis, como no plano tradicional. Entretanto, a desvantagem desse modelo é que quem escolhe o preço das suas milhas é o MaxMilhas.  Por fim, vale a pena acumular milhas? Certamente acumular milhas pode ser vantajoso para você! Se você já tem um cartão de crédito e já pontua, certifique de acompanhar esses pontos e buscar algum benefício deles, seja trocar por passagens ou vender suas milhas. Já para quem ainda não tem um cartão de crédito e deseja ter, os benefícios em pontos podem ser uma característica bem decisiva para te ajudar a escolher o melhor.  De qualquer maneira, não perca a oportunidade de ter esse benefício a partir dos seus gastos! Caso você deseje abrir uma conta bancária digital, saiba que existem algumas contas que oferecem modalidades de cartão de crédito que pontuam. Alguns exemplos são o Nubank Rewards e algumas modalidades de cartão do C6 Bank, e nós temos aqui no blog artigos sobre esses dois bancos. Você ainda pode usar o Simulador de Contas Digitais do Educando seu Bolso e encontrar a conta mais adequada para você.   Por fim, caso ainda tenha ficado alguma dúvida, é só deixar nos comentários que nós te ajudamos!

Od roku 2015 pracuje na pozici Internet Banking, Mobile Banking and Web Chapter Leader v Komerční bance. Svou kariéru ovšem započal jako novinář v magazínu Pro Football. Dělal rozhovory s tehdejší fotbalovou špičkou - Petrem Čechem, Markem Jankulovským. Po 6 letech v mezinárodním magazínu přemýšlel, kam se posunout dále. Nakonec inklinoval zpět ke svému vystudovanému oboru marketingu, v kombinaci se zájmem o digitál, web a technologie nastoupil do telekomunikací, které těmito technologiemi žily a žijí. V O2 dostal na starost oblast webu, která oplývá řadou cross-disciplín. Díky této zkušenosti měl Jan možnost poprvé přičichnout k UX. Po dalších 6 letech se posunul na svou nynější pozici v KB, kde se mu blíží 6. lete výročí. V podcastu se dozvíte: * Jak novinář magazínu Pro Football skončil v UX oblasti a Komerční bance. * Jak dnes vypadá UX oddělení v bance od UX research, přes data až po konečné řešení. * Jak to vypadá s adopcí mobilního bankovnictví v ČR. * Jaký je směr digitální banky budoucnosti. * A co Jan plánuje dál, s blížícím se 6 letým pracovním výročím

Cloud Computing vs Railroad? or.. Internet Banking vs Brick-and-mortar retail? They are very different market place. Technology-heavy market places are cloud computing and internet banking are on the rise! They are growth industry. On the other hand, railroads and brick-and-mortar retail outlets are on the decline. As investors, we need to analyze companies differently depending on the type of market place they are playing in. Let's take a look at different types of industries and what that means to investors.

¿Qué es banca digital? ¿Qué pasará con la banca tradicional? ¿Cómo se compara la banca digital dominicana con las de otros países? ¿Cuáles son las barreras al desarrollo de la banca digital? Julio Lozano, economista, director de Estudios Económicos de la ABA, se refiere al tema en La Entrevista.

¿Qué es banca digital? ¿Qué pasará con la banca tradicional? ¿Cómo se compara la banca digital dominicana con las de otros países? ¿Cuáles son las barreras al desarrollo de la banca digital? Julio Lozano, economista, director de Estudios Económicos de la ABA, se refiere al tema en La Entrevista.

¿Qué es banca digital? ¿Qué pasará con la banca tradicional? ¿Cómo se compara la banca digital dominicana con las de otros países? ¿Cuáles son las barreras al desarrollo de la banca digital? Julio Lozano, economista, director de Estudios Económicos de la ABA, se refiere al tema en La Entrevista.

¿Qué es banca digital? ¿Qué pasará con la banca tradicional? ¿Cómo se compara la banca digital dominicana con las de otros países? ¿Cuáles son las barreras al desarrollo de la banca digital? Julio Lozano, economista, director de Estudios Económicos de la ABA, se refiere al tema en La Entrevista.

Internet Banking com certeza é um dos temas mais estranhos para um podcast, mas acredite, temos muito o que falar sobre, e vocês pediram muito também! Confira conosco o que é o Internet Banking, sua origem, como usar, dicas para melhor uso e de economia de dinheiro, além de histórias curiosas e relacionamento com bancos. Se você ainda não usa Internet Banking, considere ainda mais ouvir esse episódio, com certeza sua opinião irá mudar. E não deixe de participar pelos comentários!

The Internet was in its nascent stages of public use in 1999--a time well before iPhones, apps and mobile banking. Yet a major initiative to take financial services into the cybersphere began that year with the founding of First Internet Bank. Why has that bank stood the test of time and where banks must focus in 2018 to remain viable in the digital realm. Nicole Lorch, First Internet Bank's executive vice president and chief operating officer, shares her perspectives on this podcast.

Season 1 Episode 20 of Monetary Therapy with Elio Harmon and Travis Kendall, a comedy podcast about society and money. Gold and Internet Banking. 2/6/2017

Acredito que a maioria as pessoas que estejam lendo esse texto já fizeram alguma compra pela internet. Com um mundo cada vez mais conectado, ficou ainda mais fácil de adquirir aquele produto que você tanto deseja com apenas alguns cliques. Hoje em dia é possível comprar facilmente produtos do mundo inteiro no conforto da sua casa. Nesse episódio nós contamos algumas histórias de compras e barganhas pela internet, além de fazermos um apanhado geral com dicas para compras nacionais e internacionais, além dos perigos e riscos envolvidos. Confira e participe conosco pelos comentários!

As pessoas não querem mais ir a bancos, mais da metade dos consumidores usam uma FinTech - Startups de tecnologia ligados à finanças com foco em boa experiência + bom atendimento e rapidez. Mais dicas e novidades do marketing digital e tecnologia em: Facebook - www.facebook.com/wgabriel/ Blog - wgabriel.net Snapchat- www.snapchat.com/add/wgabriel1 Youtube - youtube.com/wgabrieldeoliveira

Neste episódio Theo, Bruno, Alex e Juliano, abordam as complicações que o Gbuster pode causar num escritório de contabilidade, como conseguir identificá-las e o que pode ser feito para resolver esses problemas. Saber conviver com o Gbuster é fundamental se a sua empresa contábil quer trabalhar e acessar a grande maioria dos internet bankings. Abaixo a resposta da GAS Tecnologia sobre nossa solicitação. Boa tarde, Venho informar que nossos processos internos de adaptação ao seu software obtiveram sucesso! Nossa política visa ofertar diversas atualizações nos módulos de proteções. Dessa forma, saliento que os problemas enfrentados por seus usuários já podem ter sido findados. Caso os problemas persistam, por gentileza nos detalhe as páginas afetadas informando a 'URL' e 'captura de tela', auxiliando assim em novas tentativas de solução o mais breve possível. Vale lembrar que nossas proteções são apenas parte da solução de segurança, portanto cada instituição financeira as utiliza de acordo com suas estratégias e regras para aumentar a segurança. O senhor também pode realizar a atualização do seu software pelo link http://gastecnologia.com.br:8080/diagnostico/index.jsp , após isso, favor a acessar a página https://seg.bb.com.br/extras/corrige.html via internet explorer para forçar a atualização do plugin. Cordialmente, Maria Fernanda Sampaio - Analista de Atendimento Sênior GAS Tecnologia Musicas utilizadas Off to Oska - por Kevin MacLeod Faster Does It - Kevin MacLeod Sob licença the Creative Commons Attribution 3.0

July 14, 2015 Yangon, Burma When I first came to Burma (Myanmar) several years ago, there was scarcely an ATM to be found anywhere. It was primitive. And frustrating. After all, most people coming from the West tend to think their banking system is robust and highly advanced. And that's true to a degree. Internet banking and ATMs are certainly nice modern conveniences. But if we go back in time and look at traditional banking as far back as the Middle Ages, there's actually very little about the industry that has changed. It's all still quite primitive. Centuries ago, banks would receive deposits from their customers. And in exchange, they would issue a receipt, or ‘bank note'. Pretty simple. Whoever had possession of the bank note was entitled to withdraw that money from the bank. So naturally those notes eventually became a form of currency. If you owed a debt to someone, and presuming s/he had confidence in the bank, you could settle your debt with the bank note instead of actual money. Banks did the same thing with one another, using a series of notes and credit letters to trade, transact, and settle debts with one another. And out of this system grew a vast, complex network of interbank credit. In a typical deal between two banks, for example, there would often be no actual money changing hands. Instead, they would merely make an entry in their books indicating that one bank owed money to the other. So instead of passing around cash or gold, banks would settle deals with accounting entries and promises to pay. Today the practice is almost identical, it just happens electronically instead of on paper. Central bank balances are credited in favor of one bank or another, but there's still no money that changes hands. Again, ATMs and Internet Banking are modern conveniences. But they have done nothing to truly disrupt the centuries-old banking model. That is now changing. Quickly. Tech companies are starting to figure out how to make every traditional banking function faster, cheaper, and better, all while eliminating the middle man. Companies like Revolut, Transferwise, and Dwolla, for example, are online money transfer services that can send funds cheaper and faster than banks. KlickEx is a currency service that provides a peer-to-peer market for foreign exchange, eliminating the need to use a bank. Countless crowdfunding platforms exist to obtain startup capital for a new businesses. So no one needs to go to the bank with hat in hand anymore. And there's a multitude of peer-to-peer lending platforms where you can borrow money for just about anything-- from a home mortgage to a new car, all without a bank. Companies like Square and Stripe are rapidly taking over credit card processing, yet another industry that used to be dominated by banks. And even the most basic practice of taking deposits is now on tech companies' radars. Google revamped ‘Wallet' service, for example, allows consumers to effectively park their savings with Google instead of a bank. So rather than holding your cash at some illiquid, poorly capitalized bank, consumers can choose one of the most profitable companies in the history of the world to be their direct financial counterparty. Now, I'm not suggesting you rush out and do this; I'm merely pointing out that this is a rather large nail in the coffin of the financial industry. Deposits. Lending. Funds transfers. Credit Card Processing. Foreign Exchange... can all be done now better, faster, and cheaper outside of the banking system. This isn't some wild conspiracy theory. This is a fact; all of these tools ALREADY exist. It's just a question of how quickly they'll be adopted. And if you look at the last great trends in consumer technology (the Internet, smart phones, etc.) the time frame was ten years or less to achieve global scale. Banks' days are numbered. And in a decade's time,

July 14, 2015 Yangon, Burma When I first came to Burma (Myanmar) several years ago, there was scarcely an ATM to be found anywhere. It was primitive. And frustrating. After all, most people coming from the West tend to think their banking system is robust and highly advanced. And that’s true to a degree. Internet banking and ATMs are certainly nice modern conveniences. But if we go back in time and look at traditional banking as far back as the Middle Ages, there’s actually very little about the industry that has changed. It’s all still quite primitive. Centuries ago, banks would receive deposits from their customers. And in exchange, they would issue a receipt, or ‘bank note’. Pretty simple. Whoever had possession of the bank note was entitled to withdraw that money from the bank. So naturally those notes eventually became a form of currency. If you owed a debt to someone, and presuming s/he had confidence in the bank, you could settle your debt with the bank note instead of actual money. Banks did the same thing with one another, using a series of notes and credit letters to trade, transact, and settle debts with one another. And out of this system grew a vast, complex network of interbank credit. In a typical deal between two banks, for example, there would often be no actual money changing hands. Instead, they would merely make an entry in their books indicating that one bank owed money to the other. So instead of passing around cash or gold, banks would settle deals with accounting entries and promises to pay. Today the practice is almost identical, it just happens electronically instead of on paper. Central bank balances are credited in favor of one bank or another, but there’s still no money that changes hands. Again, ATMs and Internet Banking are modern conveniences. But they have done nothing to truly disrupt the centuries-old banking model. That is now changing. Quickly. Tech companies are starting to figure out how to make every traditional banking function faster, cheaper, and better, all while eliminating the middle man. Companies like Revolut, Transferwise, and Dwolla, for example, are online money transfer services that can send funds cheaper and faster than banks. KlickEx is a currency service that provides a peer-to-peer market for foreign exchange, eliminating the need to use a bank. Countless crowdfunding platforms exist to obtain startup capital for a new businesses. So no one needs to go to the bank with hat in hand anymore. And there’s a multitude of peer-to-peer lending platforms where you can borrow money for just about anything-- from a home mortgage to a new car, all without a bank. Companies like Square and Stripe are rapidly taking over credit card processing, yet another industry that used to be dominated by banks. And even the most basic practice of taking deposits is now on tech companies’ radars. Google revamped ‘Wallet’ service, for example, allows consumers to effectively park their savings with Google instead of a bank. So rather than holding your cash at some illiquid, poorly capitalized bank, consumers can choose one of the most profitable companies in the history of the world to be their direct financial counterparty. Now, I’m not suggesting you rush out and do this; I’m merely pointing out that this is a rather large nail in the coffin of the financial industry. Deposits. Lending. Funds transfers. Credit Card Processing. Foreign Exchange... can all be done now better, faster, and cheaper outside of the banking system. This isn’t some wild conspiracy theory. This is a fact; all of these tools ALREADY exist. It’s just a question of how quickly they’ll be adopted. And if you look at the last great trends in consumer technology (the Internet, smart phones, etc.) the time frame was ten years or less to achieve global scale. Banks’ days are numbered. And in a decade’s time,

Hilfe, die Technik spinnt - Experten des "IT Sofort-Service" lösen das Problem: Bonn (ots) - Anmoderationsvorschlag: Ein Leben ohne Computer, Laptops, Tablets oder Smartphones? Kaum vorstellbar so etwas. Doch die moderne Technik hat natürlich auch so ihre Tücken. Laut einer aktuellen Emnid-Umfrage hatten immerhin zwei Drittel der Deutschen in den letzten sechs Monaten mindestens einmal mit technischen Problemen zu kämpfen. Welche das sind und ob die Deutschen denen immer gewachsen sind, weiß Jessica Martin. Sprecherin: Zu lange Lade- und Speicherzeiten, Software- oder Heimnetzwerkprobleme, Viren und Trojaner sowie ungewollter Datenverlust: Diese technischen Schwierigkeiten, müssen immer wieder aufs Neue gelöst werden, sagt Jochen Beck vom "IT Sofort-Service" der Telekom. O-Ton 1 (Jochen Beck, 0:19 Min.): "Viele versuchen es erst einmal auf eigene Faust, das sind die 64 Prozent, die in unserer Umfrage ihr IT-Wissen als gut bis sehr gut bezeichnen. Der Rest allerdings schätzt sich eher als unwissend ein und holt sich gleich Hilfe von außerhalb. Meistens Freunde, Bekannte oder Familienmitglieder, die technisch bewandert sind. Aber knapp ein Viertel der Befragten ruft direkt einen IT-Experten zu Hilfe. " Sprecherin: Das spart Zeit, Geld und Nerven - vor allem, wenn ein Virus die Technik lahmgelegt hat: O-Ton 2 (Jochen Beck, 0:17 Min.): "In diesem Fall ist eine vollständige Systemprüfung fällig, anschließend sollten die gefundenen Schädlinge durch das Virenschutzprogramm entfernt werden und alle Passwörter für E-Mail-Konten, gegebenenfalls Internetbanking und Online-Shopping, geändert werden. Wir helfen telefonisch, auf Wunsch per gesichertem Fernzugriff und in bestimmten Fällen auch direkt vor Ort." Sprecherin: Zwar kann sich theoretisch heutzutage jeder mit ein paar einfachen Maßnahmen vor Angriffen aus dem Internet schützen. O-Ton 3 (Jochen Beck, 0:10 Min.): "Antivirensoftware und regelmäßige Sicherheitsupdates sind Pflicht, genauso wie regelmäßig seine Passwörter auszutauschen. Seien Sie außerdem misstrauisch bei Mails von unbekannten Absendern und löschen Sie diese im Zweifel." Sprecherin: Genau hier liegt aber der Hase im Pfeffer, denn... O-Ton 4 (Jochen Beck, 0:13 Min.): "Zwölf Prozent verzichten heutzutage immer noch komplett auf Sicherheitsvorkehrungen - und bei den über 60-jährigen sogar 31 Prozent. Das liegt übrigens meistens daran, dass bei dieser Generation zu wenig über die Tücken und Gefahren der modernen Technik bekannt ist." Abmoderationsvorschlag: Wenn Sie auch den Rat vom IT-Experten brauchen, weil Ihr Computer, Smartphone oder Tablet spinnt oder ein Sicherheitsleck hat: Unter www.telekom.de/it-sofort-service finden Sie schnell und einfach Hilfe. ACHTUNG REDAKTIONEN: Das Tonmaterial ist honorarfrei zur Verwendung. Sendemitschnitt bitte an ots.audio@newsaktuell.de. Pressekontakt: Deutsche Telekom Technischer Service GmbH Britta van Zweeden Telefon: +49 228 181 14745 E-Mail: b.van-zweeden@telekom.de

Hilfe, die Technik spinnt - Experten des "IT Sofort-Service" lösen das Problem: Bonn (ots) - Anmoderationsvorschlag: Ein Leben ohne Computer, Laptops, Tablets oder Smartphones? Kaum vorstellbar so etwas. Doch die moderne Technik hat natürlich auch so ihre Tücken. Laut einer aktuellen Emnid-Umfrage hatten immerhin zwei Drittel der Deutschen in den letzten sechs Monaten mindestens einmal mit technischen Problemen zu kämpfen. Welche das sind und ob die Deutschen denen immer gewachsen sind, weiß Jessica Martin. Sprecherin: Zu lange Lade- und Speicherzeiten, Software- oder Heimnetzwerkprobleme, Viren und Trojaner sowie ungewollter Datenverlust: Diese technischen Schwierigkeiten, müssen immer wieder aufs Neue gelöst werden, sagt Jochen Beck vom "IT Sofort-Service" der Telekom. O-Ton 1 (Jochen Beck, 0:19 Min.): "Viele versuchen es erst einmal auf eigene Faust, das sind die 64 Prozent, die in unserer Umfrage ihr IT-Wissen als gut bis sehr gut bezeichnen. Der Rest allerdings schätzt sich eher als unwissend ein und holt sich gleich Hilfe von außerhalb. Meistens Freunde, Bekannte oder Familienmitglieder, die technisch bewandert sind. Aber knapp ein Viertel der Befragten ruft direkt einen IT-Experten zu Hilfe. " Sprecherin: Das spart Zeit, Geld und Nerven - vor allem, wenn ein Virus die Technik lahmgelegt hat: O-Ton 2 (Jochen Beck, 0:17 Min.): "In diesem Fall ist eine vollständige Systemprüfung fällig, anschließend sollten die gefundenen Schädlinge durch das Virenschutzprogramm entfernt werden und alle Passwörter für E-Mail-Konten, gegebenenfalls Internetbanking und Online-Shopping, geändert werden. Wir helfen telefonisch, auf Wunsch per gesichertem Fernzugriff und in bestimmten Fällen auch direkt vor Ort." Sprecherin: Zwar kann sich theoretisch heutzutage jeder mit ein paar einfachen Maßnahmen vor Angriffen aus dem Internet schützen. O-Ton 3 (Jochen Beck, 0:10 Min.): "Antivirensoftware und regelmäßige Sicherheitsupdates sind Pflicht, genauso wie regelmäßig seine Passwörter auszutauschen. Seien Sie außerdem misstrauisch bei Mails von unbekannten Absendern und löschen Sie diese im Zweifel." Sprecherin: Genau hier liegt aber der Hase im Pfeffer, denn... O-Ton 4 (Jochen Beck, 0:13 Min.): "Zwölf Prozent verzichten heutzutage immer noch komplett auf Sicherheitsvorkehrungen - und bei den über 60-jährigen sogar 31 Prozent. Das liegt übrigens meistens daran, dass bei dieser Generation zu wenig über die Tücken und Gefahren der modernen Technik bekannt ist." Abmoderationsvorschlag: Wenn Sie auch den Rat vom IT-Experten brauchen, weil Ihr Computer, Smartphone oder Tablet spinnt oder ein Sicherheitsleck hat: Unter www.telekom.de/it-sofort-service finden Sie schnell und einfach Hilfe. ACHTUNG REDAKTIONEN: Das Tonmaterial ist honorarfrei zur Verwendung. Sendemitschnitt bitte an ots.audio@newsaktuell.de. Pressekontakt: Deutsche Telekom Technischer Service GmbH Britta van Zweeden Telefon: +49 228 181 14745 E-Mail: b.van-zweeden@telekom.de

From reading product reviews to surfing for the best prices, shoppers use their phones from the minute they enter a store to the minute they checkout. Now, a new mobile app allows shoppers to pay at the checkout counter with a simple tap on their smartphone.

From reading product reviews to surfing for the best prices, shoppers use their phones from the minute they enter a store to the minute they checkout. Now, a new mobile app allows shoppers to pay at the checkout counter with a simple tap on their smartphone.

Millions of consumers interact online. CheckFree, now part of Fiserv, can help facilitate all the steps needed to boost business profitability, according to Michelle Flint, General Manager for the Biller Services Division within CheckFree's Internet Banking and Electronic Payments Division.

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