Category Archives: cqvymahjsesu

8 trends that will reshape the fintech landscape in 2019

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first_img continue reading » 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With the world becoming one enormous marketplace, we have seen a constant change in how businesses take place. This has been further fueled by new technologies and rapidly evolving customer expectations. Even the highly regulated banking and finance sector has in recent times witnessed the constant metamorphosis of its business models to stay ahead in disruptive times.When it comes to the financial services ecosystem, the fintech industry plays a significant role in determining how the sector moves forward. Fintech disruptors are changing how everything works – lending, payments, insurance, credit settlements, and more. In response, banks and traditional financial institutions are either partnering with fintech companies or developing and deploying their own solutions. Backing that up, a PwC report titled Financial services technology 2020 and beyond: Embracing disruption states that global investments in fintech have more than tripled since 2014 to cross $12 billion. With fintech solutions playing a significant role in the financial services value chain, let’s see what’s in store for 2019:Intelligent banking channelsFinancial service providers are tailoring each channel to adapt intelligently to deliver the next level of personalisation for users performing banking activities. By studying customer patterns and behaviours, banks can personalise the interface to suit specific usage preferences. This will translate into a unique usage journey for every end user; early adopter banks stand to gain a competitive edge because of the level of personalisation and end-user satisfaction offered.last_img read more

Controlling your smartphone

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first_img continue reading » Like a broken record, I tend to repeat things.One such thing is this: All of us control more than we believe in our lives, but we focus on things outside of our command.That’s why I loved this article from Better Humans: How to set up your iPhone for productivity.I never thought about how I set up my phone. If I added an app, I just … well, added it. I wasn’t strategic.  The article woke me up. We SHOULD be in charge of our phone’s settings.  And you can tweak it to improve things.While the article focused on iPhones, I’m sure the ideas would work for any smartphone.I’ll let you read it, but here are a few tips. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

CFPB proposes changes to payday rule, per CUNA request

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first_img continue reading » The Consumer Financial Protection Bureau released proposed rules making changes to its short-term, small-dollar lending rule Wednesday. CUNA has called on the CFPB to revise its rule to ensure credit unions are able to continue offering short-term, small-dollar lending options for members in need, and is currently analyzing the proposal.“Credit unions are known for providing safe and affordable short-term, small-dollar loans designed to keep members away from predatory payday lenders and debt traps,” said CUNA Chief Advocacy Officer Ryan Donovan. “We support bureau efforts to revise this rule, and urge the bureau to ensure these changes do not inhibit credit unions participating in the short-term, small-dollar loan market.”CUNA, in its letter sent to CFPB Director Kathy Kraninger in December, said it supports revisions to the rule that would create an express, broader exemption for credit union loan products. CUNA agrees with the bureau that payday lenders should be effectively regulated. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

The danger of anchoring

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first_imgI’m in the middle of a great book: The Undoing Project: A Friendship That Changed Our Minds.  It is a wicked good read.It discusses two Israeli psychologists who dove into how people make decisions. The book is unnerving – it describes how we unwittingly fool ourselves into making bad choices.The researchers touched upon anchoring. What is it? Your decisions can be adversely affected by placing too much emphasis or importance on the first piece of data you receive. That data “anchors” your mind in one area, leading it to dismiss or diminish subsequent information.Don’t believe it? The researchers did an experiment that you can repeat. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

Does rural tourism deserve to be part of the Law?

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first_imgThe Croatian Rural Tourism Association calls on all members of the Croatian Parliament to support the definition of rural tourism in the new Law on the Provision of Services in Tourism, which is expected to be adopted by the end of the week.Acceptance of the amendment would lead to the long-awaited placing of rural tourism on an equal footing with other forms of tourism, whose services are defined in the Final Draft Law (nautical, health, congress, active and adventure tourism). to the public, MPs on the positive effects of our initiative, we bring concrete arguments for defining rural tourism.12 reasons for legally defining rural tourism and lifting restrictionsRural tourism is a special, very specific form of tourism that unites two strategically important economic branches – agriculture and tourism;Rural tourism is often confused with other terms such as rural and continental tourism. Rural tourism is only one of the forms of tourism that takes place in rural areas, on the continent as well as on the coast, while other forms include adventure, mountain, cultural, health, cyclotourism, etc .;Rural tourism directly contributes to the fulfillment of three of the four basic goals from the Program of the Government of the Republic of Croatia for the term 2016-2020: achieving stable and sustainable economic growth; creating new and quality jobs; and stopping emigration and demographic renewal;Rural tourism enables the placement of own agricultural products with added value, which directly affects the increase of income in rural areas, and thus the income of the local community and the state;Rural tourism enables and encourages employment in rural areas and thus stops emigration;Legislative definition will ultimately lead to monitoring the effects of rural tourism in order to record service providers, revenues, number of overnight stays and other important statistical indicators;Defining rural tourism will help create a Croatian model of rural tourism that will take into account its own historical and cultural specifics and the current development of this form of tourism;Defining rural tourism is the basis for starting the promotion of rural tourism by the Croatian Tourist Board;Rural tourism facilities represent underutilized valuable potential of year-round tourism in rural areas;700 – 1000 business entities that generate revenues of more than one billion kuna, over 350 overnight stays and directly and indirectly employ over 000 people deserve to have their place in Croatian legislation;Rural tourism offers specific tourist products and services for which it has created a special market niche and is therefore not a competition to the services offered by hoteliers and caterers. Therefore, it is necessary to remove all restrictions on the number of guests / tourists visiting these facilities and respect the principles of the free market and stop supporting the interests of certain tourism and hospitality lobbies; andMore than 20 years have passed since the establishment of the first facilities of rural tourism in the Republic of Croatia. With its business results, the number of visitors from all over the world and numerous awards, rural tourism deserves to be legally regulated like other forms of tourism.Aleksandra Kuratko Pani, head of the Croatian Rural Tourism Association, points out that not a single kuna from the State Budget is needed to implement this initiative. they did not move away.Related news: CROATIAN RURAL TOURISM ASSOCIATION SEEKS DEFINITION OF RURAL TOURISM AND ELIMINATION OF RESTRICTIONS<br />
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Romanian couple tests positive for COVID-19 in Bali

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first_imgA Romanian couple on holiday in Bali tested positive for COVID-19. Officials report the man and woman are in stable condition after 10 days of being treated in isolation.“I can confirm that we have received the laboratory test results of two foreigners who have been treated for 10 days at Tabanan General Hospital and the result is positive,” the head of the Tabanan Health Agency, Nyoman Suratmika, said on Monday.“Both patients are in stable condition. However, they will remain in isolation until their tests show negative,” he added.Suratmika said the male patient had sought medical treatment first when he began feeling sick. He went to a private hospital in Badung regency before eventually being taken to the Tabanan hospital.“He had a fever, cough and difficulty breathing [upon his arrival at the Tabanan hospital],” he added.As he was showing COVID-19-like symptoms, the hospital decided to treat him in an isolation room, said Suratmika.“After [he stayed for] two days at the Tabanan hospital, his wife began to show similar symptoms, so we also put her in isolation,” he added.Suratmika said after the couple received medical treatment for 10 days, their health started to improve.“We’re grateful to find that the two patients are now in better condition, but since they are still COVID-19-positive we’re still waiting for full tests.“Once they are declared negative for COVID-19, they are allowed to leave [the hospital],” said Suratmika.COVID-19 has so far claimed the life of two foreigners, who were believed to be a British woman and a French man, in Bali. At the moment, an Indonesian man is being treated in a hospital in Bali for COVID-19. With the Romanian couple, the resort island has recorded five COVID-19 cases, with two fatalities, so far.Topics :last_img read more

Coronavirus epicenter Wuhan re-opens for international flights

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first_imgOfficials in white hazmat suits, masks and visors were seen checking the passports of arriving passengers.All international passengers arriving in Wuhan have to pass a test within 72 hours of departure, Li Yizhuo, director of Wuhan’s Civil Aviation Office, told CCTV.China still bans most foreigners from entering and those allowed have to undergo two weeks of quarantine.South Korean budget carrier T’way will operate one weekly round-trip flight between Wuhan and Incheon International Airport, according to the Civil Aviation Administration of China (CAAC). Other major Chinese cities — including Beijing and Shanghai — already allow direct international flights, but have tightened visa processes and health checks. Topics :center_img China’s Wuhan, ground zero for the coronavirus outbreak sweeping the globe, has re-opened for international flights, ending an eight-month moratorium since the deadly disease first emerged.China stopped international flights in March as global alarm increased about the spread of COVID-19, but has now largely brought the disease under control at home through travel restrictions, testing and lockdowns.A flight operated by South Korean carrier T’way landed at Wuhan’s Tianhe International Airport Wednesday morning with 60 passengers, state broadcaster CCTV reported.last_img read more

Jermaine Jenas questions Ole Gunnar Solskjaer’s tactics after Man United’s humiliation against Everton

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first_img Metro Sport ReporterMonday 22 Apr 2019 9:45 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link73Shares Advertisement Comment Jermaine Jenas felt that Ole Gunnar Solskjaer paid Everton too much respect (Getty Images)Jermaine Jenas believes that Ole Gunnar Solskjaer got his tactics wrong during Manchester United’s humiliating 4-0 defeat to Everton at Goodison Park on Sunday.Goals from Richarlison, Gylfi Sigurdsson, Lucas Digne and Theo Walcott gave Everton a well-deserved victory and condemned United to a sixth defeat in their last eight games in all competitions.United’s players have come in for plenty of criticism in the aftermath of the game with Gary Neville labelling their performance as ’embarrassing’ and ‘rancid’.Jenas also questioned whether United’s players care enough in his BBC column but felt that Solskjaer was also partly at fault for the manner in which he set his side out for the game, suggesting he paid Everton too much respect.ADVERTISEMENT Advertisement Jermaine Jenas questions Ole Gunnar Solskjaer’s tactics after Man United’s humiliation against Everton Manchester United were humiliated by Everton at Goodison Park (Getty Images)‘Solskjaer has to take some of the blame for Sunday because, tactically, part of the way United played was his fault,’ Jenas said.AdvertisementAdvertisement‘They should have gone toe-to-toe with Everton from the start, like Tottenham did before Christmas when they went to Goodison Park and destroyed them 6-2.‘Spurs were in Everton’s faces and gave them no time on the ball. They played like they believed they were better than Everton, and said ‘we are going to press you and dictate the tempo of this game’.‘Instead of doing the same, and trying to impose themselves on a weaker team, United sat off Everton – which made no sense to me at all.‘I know that kind of counter-attacking football has worked for them in the past under Solskjaer, and got them results at Arsenal and Tottenham when he first took charge, but I did not really see what they were so afraid of that made them play that way against Everton.’More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CitySolskjaer cut a forlorn figure after the game and went to apologise to United’s travelling support after the final whistle. When asked whether his players care enough about playing for United, he replied: ‘I don’t know.’Before the game Jenas questioned whether United had made the right decision to appoint Solskjaer permanently, saying that it was an ’emotional’ decision.More: Manchester United FCRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseEx-Man Utd coach blasts Ed Woodward for two key transfer errorslast_img read more

Bulldogs And Cardinals Participate In 4-Way Middle School Golf Meet

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first_imgIt was a late and very cold night at Bear Chase Golf Course in Shelbyville last night. BMS came up 6 strokes short to be edged out by a very good Madison team. Scores were Madison 194, Batesville 200, Shelbyville 208, and St. Louis 229.BMS continues to put together a great team score. The Bulldogs were led by Sam Emmons who fired a personal best 47 including a birdie. Drew Wagner shot a 50 followed closely by Dean Campbell with a 51. Other scorers for the Bulldogs included Zach Wagner and Austin Pohlman both with a 52, Kyler Daulton with a 53, Brett Wagner with a 54, and Chase Cummings with a 58.Courtesy of Bulldogs Coach Sheryl McCreary.The St Louis Golf team played in the four way match tonight versus Shelbyville, Batesville Middle School, and Madison Consolidated at the Bear Chase Golf Club.It was a cold, windy, wet evening that produced some tough conditions to play in. The final score was St Louis 299, Shelbyville 208, Batesville 200, and Madion 194.Leading St Louis was Cayden Pohlman followed by Jon Grieshop, Lucas Anderson, and Abe Streator. St Louis plays next on Monday (5-8) at Hillcrest Country Club.Courtesy of Bulldogs Coach Randy Streator.last_img read more

Karen Combs – West College Corner

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first_imgThose surviving who will cherish Karen’s memory include her husband, Perry Combs; son, BJ (Mindy) Scott of Cicero; two daughters, Angela Scott of Noblesville and Lori Scott of Oxford, OH; step-children, Crystal Combs and Jeremy (Kayla) Combs; nine grandchildren, Rylee, Blaine, Averie, Kenley, Zack, Danny, Kris, Tory and Corey.  Surviving are also two brothers, John and Ted Seibert.  She was preceded in death by her parents. Due to COVID-19 limitations, no more than 25 people at a time can visit with the family, but may do so from 10 a.m. until 12 p.m. on Saturday, May 16, 2020 at Cook Rosenberger Funeral Home, 929 Main Street, Brookville, Indiana.  Services will be for immediate family and burial will follow at Dale Cemetery in Connersville. Karen Combs, of West College Corner, was born on March 25, 1958 in Connersville, a daughter to Robert and Margaret Offet Seibert.  She married Perry Combs on April 17, 1999 in Cumberland Falls, Kentucky and he survives.  She had been a pharmacy tech at George’s and attended Peace Lutheran Church in Connersville.  Karen was a Rainbow girl and loved her kids and grandkids and her furry children as well.  She also enjoyed playing the keyboard.  On Tuesday, May 12, 2020 at the age of 62, she passed away unexpectedly at Reid Hospital in Richmond.center_img Memorial donations can be made to the Franklin County Humane Society at 107 High Street, Brookville, IN 47012 or to the Rheumatoid Arthritis Foundation at www.arthritis.org.  To sign the online guestbook or to leave personal message please visit www.cookrosenberger.com.last_img read more