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  • NorthCentral Bank Navigating the Challenges of Fintechs Neobanks and Cryptocurrencies Hubert Pun Felipe Restrepo Dollar Luo

    NorthCentral Bank Navigating the Challenges of Fintechs Neobanks and Cryptocurrencies Hubert Pun Felipe Restrepo Dollar Luo

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    Banking in the Philippines has gone through a significant shift in recent years as various technological advancements have come in to play. Neobanks like Ant Financial’s T-money are making inroads in the market and have disrupted some traditional financial services providers. Digital currencies, such as Bitcoin, have gained popularity globally as well, and the demand for them in the Philippines is increasing. With these trends in the financial industry, this essay will explore the strategies that NorthCentral Bank, the country’s largest

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    1. Neobanks are banks without physical branches and financial intermediation that provides a variety of banking services through the internet, mobile, mobile applications, and voice. They operate mainly in developing countries or in countries with weak banking systems. The most popular ones are M-Pesa (in Kenya) and N24 (in Germany). 2. Hubert Pun writes: Fintechs, in short, are technology-driven banks. They offer customers banking services by providing digital tools and applications that enable access to banking services through mobile devices and

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    Today, the financial industry has undergone a revolution in terms of technological advancements with emerging players like Neobanks and Cryptocurrencies. These players are disrupting the traditional banking system by offering innovative products and services that cater to a broader audience. However, the traditional banking industry is grappling with several challenges including customer satisfaction, regulatory constraints, and digital disruption. NorthCentral Bank, one of the oldest banks in the Philippines, has navigated through several challenges posed by the emerging fin

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    NorthCentral Bank’s financial inclusion strategy, NICU Payments, offers a digital, mobile-friendly platform for people to pay their utility bills. The bank’s NICU Payments are designed to reduce inefficiencies in the payment system and simplify the payment process. However, one challenge facing NICU Payments is the increased competition. The fintechs, neobanks, and cryptocurrencies that offer digital payments are challenging the traditional banking system, which includes NICU Payments. They offer innovative payment options

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    In today’s market, there is a constant battle between traditional banking and fintech. Fintechs are providing their products and services through online platforms and are becoming increasingly popular in this industry. One fintech that has recently become popular in the Philippines is neobanks. Neobanks are digital financial services that are different from traditional banks. Neobanks offer a similar range of banking services such as savings, checking, and credit cards, but they are powered by technology and use cryptocurrencies to transfer funds. Hubert Pun is the Head of the

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    “The digital age is reshaping the finance industry, and it’s an opportunity for NorthCentral Bank to lead the charge by investing in neobanks and cryptocurrencies. We’re not alone in the financial industry, but NorthCentral’s investment can serve as an example for other traditional banks to adapt to the changing landscape. The current industry landscape can be overwhelming, with neobanks such as Klarna and Stripe growing rapidly. Fintech startups such as Revolut, Coinbase, and BitPay are

  • Intro to Financial Accounting Note Fernando Penalva Marc Badia Castella 2016

    Intro to Financial Accounting Note Fernando Penalva Marc Badia Castella 2016

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    In this section, we’ll take a quick look at the “Intro to Financial Accounting,” from the 2016 edition of “Fernando Penalva, Marc Badia: Accounting Notes, Notes on Financial Accounting,” published by “GradeSaver” — the primary source for all of these documents. This is the “intro” part, and I’ll make sure to give you a complete idea of the subject matter before going into the main text. As always, if you have some questions about this material

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    Section: Recommendations for the Case Study Intro to Financial Accounting Note is written by Fernando Penalva, Marc Badia and castella at the Universidad de Leon, Spain in 2016. The book is composed of 8 chapters which explain financial accounting basics in a clear and concise way for a general audience. anchor Chapter 1 provides an overview of financial accounting and basic financial statements. This chapter includes the definition of the terms, definitions of key concepts, and a summary of the material to follow.

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    1) VRIO: The Value-Related Importance of Various Components in an Accounting Function Valuation: The first principle in Financial Accounting, that relates to an accounting function’s ability to provide value to stakeholders. This concept was introduced by Peter Drucker who said that “the purpose of accounting is the accurate representation of the total assets, liabilities, and equity of an organization’s activities”. The main purpose of financial accounting is to provide information about an organization’s past financial performance,

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    INTRO TO FINANCIAL ACCOUNTING The main objective of this notebook is to introduce the student of finance on the basics of financial accounting and to give them a deeper understanding of financial accounting. This notebook consists of 12 lessons (2 per week) of 4 pages each. Chapter 1 – to Financial Accounting 1.1. Definition 1.2. Scope and Limitation 1.3. What Is Financial Accounting?

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    Investments: Intro to Financial Accounting Note Fernando Penalva Marc Badia Castella 2016 I am not a financial professional, yet I have invested in multiple companies through my personal finance. I learned a lot about financial analysis, risk and profitability, return on equity, liquidity, and debt. This is my experience. I first learned about financial accounting and financial reporting from my accountant at the time I was starting my own business. I started with cash flow statements and eventually moved to the income statements

  • Resuscitating Monitter Benjamin Edelman Wei Sun

    Resuscitating Monitter Benjamin Edelman Wei Sun

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    Case Study: Monitter Benjamin Edelman Wei Sun In July 2013, I started a new job in the software engineering department of a high-tech company in Silicon Valley. During the first week, I was transferred to the main office of the company for a one-week training. I had to attend a series of training sessions on the new software products, learn how to troubleshoot technical issues, and communicate with clients. However, in the first day, I realized that my colleagues were not providing me with the required help. I had

  • H J Heinz MA David P Stowell Nicholas Kawar 2014

    H J Heinz MA David P Stowell Nicholas Kawar 2014

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    – The company was founded in 1863 by Henry J Heinz in Pittsburgh, USA, which now serves the international market. – I was hired as a junior account executive in 1995 by H J Heinz after completing a marketing degree in 1993 from the University of Liverpool. – I’ve worked on various marketing projects since then, such as marketing strategies, brand identity, product launches, social media campaigns, advertising, and corporate communication. – I was responsible for creating market

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    The Heinz Corporation, which produces and sells a wide range of food and beverage products under a variety of trade names such as Heinz, Kelsen, Beech-Nut, Ball Park, and more, is a global brand with the following characteristics: 1. Excellent reputation: The company’s reputation as an industry leader is well-known and respected. For instance, according to The Wall Street Journal’s “Fortune 500,” the Heinz Company ranked 35th in terms of sales and profits in 2

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    “An investment opportunity in the company is a risk-reward proposition with upside in case of a high return. On the other hand, the risk-reward is low with a potential for small but meaningful returns. “H J Heinz MA David P Stowell Nicholas Kawar is one such opportunity. The company is a leading provider of private-label food and beverage products that comprise the US consumer goods market. It has a strong brand presence with a product offering that includes ready-to-eat meals, snacks, snack food

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  • CASE 44 The Native Plant Ordinance Meeting Elizabeth V Sessions

    CASE 44 The Native Plant Ordinance Meeting Elizabeth V Sessions

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    I was fortunate enough to attend CASE 44 The Native Plant Ordinance Meeting Elizabeth V Sessions in September. I was in awe of the dedication of its speakers, all professional landscape architects. Here is my report: The meeting was held at the Haskell-Borst House in Elmwood Park, Chicago, and it was held on a crisp fall day. The event was designed to inform the residents of Elmwood Park about the newly enacted City of Chicago Ordinance that establishes the eligibility criteria

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    Elizabeth V Sessions is a research scientist who studied the native plants used to build the new bridge. She works in the environmental research department of the city. I met her the other day to give my input about the ordinance to build green roofs over the bridge. I arrived with the other speakers. We filed into the City Hall meeting room, where I was seated near the door. We listened intently as the meeting began. I listened to speakers tell us their stories, their passion for the native plants, their vision for the future of the

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    The National Association of Local Parks and Recreation Officials (NALPORCO) was called by the Department of Recreation to provide assistance with a native plant ordinance review. The ordinance was due for a review and evaluation to ensure that it met the City’s goals of environmental sustainability, beautification, and promoting conservation. NALPORCO’s review was to ensure that the ordinance was a reasonable, practical, and feasible regulatory policy for urban and suburban parks, greenspaces, and greenways in Los Angeles,

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    In December 2014, the council heard from the Department of Land and Natural Resources (DLNR) about the Native Plant Ordinance, a 1995 zoning ordinance passed in Kona that requires new developments to have only non-native plant species. The ordinance has generated controversy and criticism over the years, with some proponents claiming that it is too strict and prevents the planting of local, native plants. The council unanimously passed the ordinance in June 2014, and since then, developers have

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    On November 15, 2018, the City of Portland held a public meeting to discuss the newly-approved native plant ordinance, and some of us at the local Sierra Club chapter were there. We took lots of notes, made a bunch of slides, and took part in the discussion. At one point, a couple members of the city council asked for comments on the ordinance, and a member of our group responded: “You need to remove those words.” I’m not sure if this was a direct quote, but that was

  • The Golden Age of Home Video Games From the Reign of Atari to the Rise of Nintendo Peter J Coughlan 2004

    The Golden Age of Home Video Games From the Reign of Atari to the Rise of Nintendo Peter J Coughlan 2004

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    The golden age of home video games began in 1972 when Atari introduced the first home video game console, the Atari 2600. The system had the distinction of being the world’s first home game console and had a revolutionary controller, the joystick. The Atari 2600 was a huge success, but Atari went bankrupt in 1977. The golden age continued with the release of the popular 8-bit computers, the BBC Micro and the ZX Spectrum. These systems brought new

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    In the late 1970s, Atari released the first commercially successful video game, Pong, and ushered in a golden age of home video games that lasted for nearly 3 decades until the rise of Nintendo in the early 1980s. browse around here During this time, Atari, Coleco, Intellivision, and Coleco Vision dominated the market with their highly popular video games, such as Pac-Man, Donkey Kong, Tetris, and Centipede. The Atari 2600

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    Atari: A Brief History (1971-2004) Peter J Coughlan 2004 In my personal experience, Atari was and is the company most widely associated with home video game consoles. The Atari 2600 was the world’s first home video game console in 1977, followed in 1979 by the Atari 5200. Atari was an independent company until 1994 when it merged with Warner Communications to form Atari

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    In the early 1970s, the world’s leading companies were creating the home entertainment industry with an ambitious concept called “computer-assisted home entertainment”. These companies included companies such as Atari, Magnavox, and Coleco, which offered a wide range of video games designed to be played using the company’s own controllers. Atari’s first home computer game was released in 1977 and the console industry saw significant growth. But, Atari was ahead of the curve, as it introduced the first home

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    The Golden Age of Home Video Games (1977-1989) began with Atari, which was the first to introduce video game consoles, the paddle control Atari 2600, to the masses. The industry went on to introduce the first true video games, such as “Pong” (1972), “Space Invaders” (1978), and “Night Driver” (1980) – all of which set the standard for gaming for decades to come. However, the

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  • MPESA Matures The Price of Success William Carney 2018

    MPESA Matures The Price of Success William Carney 2018

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    – 2018 What is Mpesa? Mpesa is a mobile money transfer system introduced by Kenya Communications Commission in 2007. In short, Mpesa enables Africans to transact, transfer money and make payments from their mobile phones. It enables Kenyans to send, receive, save and pay in one transaction. The system is available in four languages and supports over 40 different currencies. As of 2018, over 130 million people in Africa use Mpesa

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    “MPESA, Mpesa, Mpesa, MPESA, Mpesa. You can’t keep it down! ” “It’s been over five years since Kenya’s most transformative mobile money platform debuted — and has been a top success in many ways. But, like the song said — ” MPESA has gone from a “baby” to an “adult” (M-PESA, actually). MPESA is no longer just an M-pesa but has also turned into an enterprise as well,

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  • 39 Bakers Strategizing for Omnichannel Retail Jitender Kumar Bikramjit Rishi Archit Vinod Tapar

    39 Bakers Strategizing for Omnichannel Retail Jitender Kumar Bikramjit Rishi Archit Vinod Tapar

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    I’ve been a bakery customer for years and I know bakers have to deal with the fact that there’s a growing trend for the omnichannel customer. I know this is an issue for all businesses. That said, some bakeries are not aware of the impact on their business. Many have made strategic plans for a single-channel operation and not a multi-channel operation. The following is a VRIO analysis about the impact of omnichannel retailing on bakeries. This is a topic I have extensively studied

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    Jitender Kumar Bikramjit Rishi Archit Vinod Tapar is a B2B marketer for the packaging, labeling, and food service industries. He enjoys writing and spends his leisure time reading, playing the guitar and playing soccer. He has completed his MBA from ISB, Hyderabad and B.E from KIIT University, Odisha. web In his free time, he likes to watch football and read books. I am an experienced and versatile marketer with a proven track

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  • Sales Force Training at Arrow Electronics A Jason R Barro Aaron MG Zimmerman Brian J Hall 2004

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    Indonesia is one of the fastest growing economies in the world, with over 260 million people and a rapidly growing middle class. As part of the Southeast Asian region, Indonesia’s digitization is crucial for a more sustainable and inclusive economy. In 2017, 36% of the Indonesian population lived in urban areas, and the average per capita income in urban areas was over $2,500. However, this income is still very low compared to the average income in rural areas. There

    BCG Matrix Analysis

    AstraPay is the leader in digital payments in Indonesia with a unique positioning: providing unified payments across the ecosystem. In terms of business and technology, AstraPay has created an ecosystem of its own, combining its own wallet with 12 banks, 45 mobile operators, and over 65,000 points-of-sale. For its ecosystem, AstraPay benefits from its own infrastructure and technologies, such as a cloud-based payment gateway. AstraPay’s ecos

    Porters Five Forces Analysis

    I am a financial consultant in New Delhi, India, where I specialize in financial planning, asset management, and investment. I am the CEO of a company that specializes in digital payments. We specialize in providing e-wallet solutions that operate on the blockchain technology. I can confidently say that digital payments are the future of payments, and I have been part of this trend since its inception. As the industry evolves, it has shifted towards digital payments, and I have witnessed that with AstraPay in Indones