The first edition of Bank 2.0 - number one on Amazon's best-seller list for banking and finance in the US, UK, Germany, France, and Japan for over 18 months - took the financial world by storm and became synonymous with disruptive customer behavior, technology shift, and new banking models. In Bank 3.0, Brett King brings the story up to date with the latest trends redefining financial services and payments - from the global scramble for dominance of the mobile wallet and the expectations created by tablet computing to the operationalizing of the cloud, the explosion of social media, and the rise of the de-banked consumer, who doesn't need a bank at all. Bank 3.0 shows that the gap between customers and financial services players is rapidly widening, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry. Please note: This audiobook is in Russian. 1. Russian. Stanislav Koncevich. http://samples.audible.de/bk/zaot/000431/bk_zaot_000431_sample.mp3.
Have you ever wanted to sell products online? This could be great to do when you consider how much money you can get out of the process. There is no limit to the amount of money you can earn by selling products online. Drop-shipping is a simple practice that works with an easy to understand setup. You will get your own website or online store running with a full inventory of products that you want to sale.The best part about this guide is that you can listen to it today and get started with your own drop-shipping campaign right away. It’s amazing as to how easy this can be to utilize. These products will come to you through a vendor that you can contact for your drop-shipping needs. The vendor will link you to providers that are looking to sell a variety of products and will pay you a good cut of the sale for whatever you want to sell online.You’ll get in touch with a drop-shipping provider who will take care of the shipping for you. The payments and orders that you collect will be forwarded to the provider who will then mail out the items for you.After this, you will get your own cut of the sale. This means that you will get a profit off of the transaction without ever having to handle the inventory yourself.The guide will help you to see how you can find a drop shipper and what you need to look for when finding someone to help. After this, you will learn about what you can do to get a website ready to where you can sell the items that you want to offer.With drop-shipping, the excitement is just as real, especially when it is one of the lower-risk business models that you could opt to start with. The best part about this business model is the very low initial investment that you would need to fork out when compared with a lot of other business models. If you are an absolute beginner of this business, you are just approaching drop-shipping or you think you don't have the skills to make this b 1. Language: English. Narrator: Corey Warner. Audio sample: http://samples.audible.de/bk/acx0/161255/bk_acx0_161255_sample.mp3. Digital audiobook in aax.
Technology is permanently transforming the banking industry, and digital payments are the key. Virtual Banking: A Guide to Innovation and Partnering takes a hands-on approach to competing in the modern banking environment. Former PayPal head of financial innovation Dan Schatt explores the reasons behind the massive consumer migration away from traditional banks and provides clear, actionable guidance on beating new banking models at their own game. Digital payment is the hottest topic in banking today and is set to define the future of the industry. Consumers are rapidly abandoning traditional banks in favor of institutions that are lower-cost and more consumer-centric. Between the pace of financial regulatory reform and the cloud-computing revolution, the old banking model is on the fast track to extinction. Virtual Banking provides the information banks need to compete in this new environment,and details the integral implementation actions that will allow them to thrive. The audiobook discusses real-world innovations from banks, nonbanks, and up-and-comers and the heavy competition from the new outsource bank model. Topics include: The changing POS landscape and the need for digital-wallet partnerships Shifting gears to greenfield market opportunities versus nonprofitable markets Digital channel best practices for superior customer experience When to outsource and what capabilities to truly own Case studies including PayPal, Google, Square, Facebook, Twitter, and more illustrate acceleration of innovation through banking partnerships as well as the mechanics behind banking's biggest, scariest threats. The trick to surviving the paradigm shift is to embody innovation while providing a superior customer proposition. PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your My Library section along with the audio./p 1. Language: English. Narrator: Steven Menasche. Audio sample: http://samples.audible.de/bk/adbl/022461/bk_adbl_022461_sample.mp3. Digital audiobook in aax.
The Power of DRIPs: Compounding Power of Smart Dividend Investing Here's a book for individual investors, by an individual investor. I've made every mistake there is when it comes to money and investing, but I didn't give up. Along the way, I kept hearing about DRIPs (and DSPPs), and I thought that they were some outmoded investment models that went away after the discount brokers gave all of us retail investors a lot more trading choices and features. NOPE. What I found instead was that DRIPs - or dividend reinvestment plans - solved three very serious problems for me! One is that my investing became completely automated. My regular checking account ACH withdrawals meant we'd always make regular monthly investments, and at prices that would dollar-cost-average over the course of the year. Along with the lower fees across the board, this type of income investment also helped me keep from overtrading, saving me all sorts of extra transaction fees. Plus the power of reinvested dividends means compounded growth that we can use for income later when we need it. Join me as we explore how individual investors in 2015 can still take advantage of the power of investing in DRIPs to access the best blue chip companies - here and around the world - and get regular dividend payments from a personal portfolio of growth and income stocks. And the best part is that for me, it's part of an overall investment diversification plan that still includes my 401k, my Roth IRA, and a trading account for my stocks, options, and occasional commodity futures. DRIPs now equal compounded dividend income later! 1. Language: English. Narrator: Dave Garner. Audio sample: http://samples.audible.de/bk/acx0/054500/bk_acx0_054500_sample.mp3. Digital audiobook in aax.
Speculative currency crises seem to have become a common and inevitable phenomenon in the international monetary system. Against this background, various approaches have been developed by economists to cover the broad range of situations in which balance-of-payments crises occurred. Anja Zenker provides a comprehensive insight into the body of theoretical and empirical literature about currency speculation in fixed exchange rate regimes. The author discusses different generations of theoretical models and their empirical relevance in recent currency crises. Moreover, she considers diverse policy options which attempt to avoid speculative attacks on exchange rate pegs.
The National Health Insurance Scheme (NHIS) is set up to operate as Public Private Partnership and directed at providing accessible, affordable and qualitative healthcare for all Nigerians. The Nigerian health insurance industry is faced with the challenge of developing a sustainable fees structure owing to serious data deficits pervading the Nigerian healthcare system and unreliable critical health statistics. Using the capitation payment mechanism the health care provider assumes that for a given insured population, the provider will cover all health care services for a fixed payment per member per month. However, in this arrangement, payments assumed equal risk level for all subscribers and this may encourage risk selection. This objective of this research project is to explore the development of risk-adjusted models for the Nigeria National Health Insurance Scheme. The study relied on healthcare cost of various diagnoses based on international classification of diseases and information on enrollment to facilities with regards to enrollees characteristics.
Thanks to the availability of energy, materials and technologies, the level of comfort in buildings is increasing around the world. However, today we are also facing buildings and cities that are responsible for a high percentage of global energy consumption. Pollution, heat island effect, climate change and global warming are just a few of the challenges that the human race, as well as other living matter on earth, will have to deal with in future. Moreover, as time goes by, we may not necessarily live in healthier conditions with better life styles. Within a limited period, this global and complex situation will need thorough, integrated and local surgery. This book is designed to draw greater attention to the sun and how a solar-climatic vision can influence and improve architectural design and urban planning. It may not have been discovered yet how small our planet is and how big the effect of a simple decision can be, but it is nevertheless important to be reminded of the sun not only as a powerful and perpetual actor in our dynamic atmosphere but also as a basis for figuring out a variety of adaptive solutions that must be identified and followed. In addition to the changes made by architects, clients and builders as well as planners, municipalities and all other persons who make decisions on plans, the role of those who live inside buildings and cities, not as users, but as producers and maintainers, also bear a certain degree of responsibility. Therefore, the optimization of new constructions, the modification of existing buildings and urban fabric should be considered on a global scale in regard to the sun as well as our future needs. The aim should be to improve energy-efficiency, health, comfort and safety in all living spaces, whether indoors or outdoors. In this respect, the analysis of the current situation, forecasting future scenarios and the development of intelligent alternatives are fundamental steps. In terms of energy efficiency, daylight provision and internal comfort, the use of advanced building materials and technologies as well as simulation tools can improve the building envelope and its performance. However, it is important to understand when, where and how they should best be applied to achieve an intelligent form as well as a responsive layout with a high level of performance for other essential aspects, too (e.g. structure, view, operation). Although today many consider “solar architecture” the attaching of solar thermal collectors and PVs to building roofs and facades, this is only one of the complex tasks which should be integrated in the design. In fact, solar architecture incorporates all the complexities of architecture on different scales. Besides, it has to respond accurately to certain issues resulting from the currently low price of other energy sources in many locations. In addition to the reduction of payments, other valuable improvements associated with solar-climatic considerations in the design should be clarified and compared. During the design process, an optimization (i.e. re-arrangement, re-orientation, re-sizing) of different elements, namely solar surfaces (i.e. transparent/opaque surfaces, shading/reflecting devices, collectors), building volumes and trees, does not necessarily increase the construction costs but can help identify deficient or over-designed elements. Alongside improving the energy efficiency aspects of individual buildings, a solar-climatic vision in planning can lead to other qualities for the benefit of small and large-scale living spaces, whether indoors or outdoors. Around the world, we must be prepared for more shocking news and annual records if many continue to build buildings, whether cheap or expensive, with little attention to the sun. In neighborhoods on an urban scale, the insufficient analysis and inaccurate decisions regarding building volumes and orientation can affect the potentials and performance of both internal and external spaces in terms of energy production, energy demand, daylight, health, comfort and safety for long periods of time. This book includes a decade of SOLARCHVISION practices on how architectural design and urban planning can be adapted by the constant path and variable effects of the sun in each location. Sharing such a vision can help architects, urban planners and clients to make more accurate decisions concerning energy and climate-related matters. After presenting fundamental diagrams in different cities around the world (e.g. the sun paths, solar radiation and temperature models), the role of an intelligent design for the building skin is described and analyzed in terms of finding a good relation between outside and inside as well as the direct and indirect collection of solar energy on different building surfaces. This research can bring about new appearances and structures for the creation of smart buildings and responsive cities.