In most emerging countries, the development of retail banking is often hampered by low levels of banking structurally observed with individual customers. Indeed, few developing countries where the banking exceeds 20%, in contrast to developed countries where this indicator is generally above 85%. The growth potential for retail banking is not negligible, especially on the activities of "everyday banking" (account management, payments, and additional services). A take-off rate would not only allow banking institutions to expand their revenue sources by increasing the volume of commissions, but also to address a broader customer base to other types of offers (consumer credit, micro credit or home loans ...).
However, such a finding should not be seen as inevitable. In some emerging countries, the high penetration of mobile (80%), combined with the introduction of innovative services, has advanced strong, playing as a true catalyst for banking services. Senegal, Ghana, India, is examples of countries where commercial offers mobile payment grew at a brisk pace (remittances from person to person through SMS, balance inquiries, payment for goods and services ...). In the Philippines, for example, Globe Telecom has launched its service in 2004 GCash in partnership with a network of banks. This allows customers to send and receive funds to repay their deadlines automatically microcredit, pay bills in small businesses, via a managed e-wallet from the mobile. Thus, the bank is now in the pocket of the customer : the operations normally performed at a desk are now through the mobile.
Monday, January 9, 2012
Friday, January 6, 2012
Hello friends! Good day to you all :) Today, I am going to share you all my idea about an online site at artbronze.com. This is one of the best online places where we can able to find the most excellent bronze and stainless steel statues. As a matter of fact, I get into online site through by means of an online article titled as remington bronze. This online sire represents a company called as Art Bronze, Inc. which is having the art foundry at Burbank, California from 1974. They have put up a fantastic status above the years as one of the most excellent art foundries in the whole world. Nothing like companies advertising statues of analogous themes on the Internet, they are not distributors of importing statues manufactured. Each and every of their bronze as well as stainless steel carvings is independently cast by means of the skilled artisans functioning in their own California foundry by means of the better quality lost wax casting technique. For the reason that they make use of merely the optimum chaste metals, we can be in no doubt that a sculpture acquired from them will stand for years.
Hello friends! Good day to you all :) I am going to tell you all my own experience with an online site at willisorchards.com which is a place where we can able to come across the fabulous plants, fruit trees or shade trees. I get into this online site by means of a blog titled as Fig trees that had very much directed me to this wonderful online site. They are the people who run this excellent business with not only just by selling their plants or trees but offering them the very best service with compassion care. Their company has been put together on the affairs they have created among their clientele; their promise to afford them information on the subject of the trees and plants that are obtainable to them and what will grow finest in their exacting surroundings. And they also serving them to build the most excellent plan and coaching them how to properly plant and be concerned for the plants and trees that they eventually preferred.
Wednesday, January 4, 2012
Intended for the entire our talk of conscientious travel, pleasure seeking stays behind living -- and it is mounting superior as well as impetuous than ever. Diminutive of renouncing furthermore hang about in home, can tourists trust to put to rights doing excellent through having fun? Wait a second! Is not holiday an occasion meant for keep away from the realism? Intended for put out of your mind the cost of gasoline, the increasing price of the flight journey, as well as the fee our inconsequential journey or travel from place to place on the earth? Thus, the hymns a glee club of progressively more cynical travelers who would presently not come across the world’s troubles as on holiday. Name it persistence, describe it prerogative or term it the American manner: an extensive segment of the itinerant public is persuaded we ought to have a break—and the conscientiousness general culture, forthrightly, is incompetent us out. And how may perhaps we are refuted?
Dear venerated readers! Today, I am going to share you all my idea about an online site at datasite.com. A few days ago, I got an opportunity to view this excellent online site is through by means of an article titled as due diligence checklist for all financial enterprises. This wonderful online site represents a company called Merrill Corporation. This is the online virtual data room that enhances the due diligence procedure by altering the customary paper data room as a protected online data area, easy to get by means of the Internet. Merrill DataSite put forward a safe and sound and very much professional technique of giving out significant business data meant for electronic due diligence in banking M&A, M&A advisory and mid market M&A review and so on.