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29 July 2011 The initial focus is not only on rural areas, but also includes testing the process in high foot-traffic areas like commuter points, shopping centres and at company premises, factories, and other workplace environments – where there are also opportunities to provide banking access to new customers. High foot-traffic areas Accounts become active once an initial deposit has been made at either an ATM or Point of Sale device. This remote account opening system replaces previous, cumbersome processes involving a bulky set of laptops, barcode scanners, thermal printers and card writers – as well as more than one interaction with the customer. The on-device “app” scans a prospective customer’s ID book to identify and verify details, captures all the relevant information and enables the imaging of supporting documents. It then interfaces with Absa’s systems to conduct the relevant screening processes and complete the opening of the account. Importantly, the app allows us to access and control key functionality on the device – to record the GPS coordinates that allows us to build customer and sales data, and access the camera and data encryption functionalities. “Research into the field of financial inclusion shows that an increase in the number of people interacting with the formal economy stimulates economic growth at a national level, and positively contributes to poverty reduction.” SAinfo reporterWould you like to use this article in your publication or on your website? See: Using SAinfo material “This innovative use of mobile technology allows us to extend our reach in many of South Africa’s most poorly serviced areas from a banking perspective, and enables greater numbers of our population to access the formal economy and all the associated benefits of having a bank account,” Absa Retail Bank CEO Gavin Opperman said in a statement last week. “The remote account opening facility is a crucial ingredient in our branchless banking strategy – where we seek to provide alternative delivery solutions to customers situated in areas where traditional banking infrastructure is not viable,” notes Opperman. Most appropriate strategy Developing a mobile app of this nature is the most appropriate strategy, adds Opperman, since android is regarded as one of the most dominant mobile operating systems and is used to power a number of different smartphone and tablet devices. The smartphone/tablet apps scales easily to cater for demand, since new devices can be acquired relatively easily and placed “in the field”, while its high-tech imaging and optimised communications technologies dramatically reduce the time it takes to serve the customer. Only one interaction with a client is required. South Africa’s Absa Bank has extended its service reach with the launch of an innovative application for Android-based smartphones and tablet devices that allows its sales consultants to open accounts and issue debit cards to new customers in under 10 minutes.
Bling Online 10cm Wide Stretch Fabric Headband Kylie Head Band – Was bigger than expected was bigger than 10cm wide soDecember 18, 2019 | By admin | No Comments | Filed in: zuwcxmlkn.
Fits nicely however after wearing for a day the seam on the underneath has started to come apart. Wide but slips off as rises up. Good product will buy again from supplier. Was bigger than expected was bigger than 10cm wide so. Was bigger than expectedwas bigger than 10cm wide so didn’t fit. Good fit really fast delivery. Reviews from purchasers :Only for the big headsGreat quality, just as describedWas bigger than expected was bigger than 10cm wide so Very quick delivery and product is what i expected. I will be ordering a couple more as spares because i often misplace things?. I will be ordering a couple more as spares because i often misplace things?. Nice and wide, covers the ears. The quality of the material could be a bit better, but all in all, i’m a happy customer. Wide but slips off as rises up. Is ok if you have a head larger then a football. Good width but the band does not stay put for more then 30 secs so useless for any sports. Excellent in product + delivery. Item delivered within time frame. Fits nicely however after wearing for a day the seam on the underneath has started to come apart. It say fabric but it not the kind of cotton fabric its more of a silky typeive had many of these and they slip of the head to easy and go out of shape quickly i thought it would be the cotton fabricits ok for now until i find the cotton type. I am happy with my purchase the headband is a good decent size i would recommend it to others to buy. Nice and wide, covers the ears. The quality of the material could be a bit better, but all in all, i’m a happy customer. Great quality, just as described. Very wide and thick and not too loose. Great quality, just as described. Worked perfectly and after many uses is still stretchy. Very quick delivery and product is what i expected. Very wide and thick and not too loose. Great quality, just as described. Worked perfectly and after many uses is still stretchy. Item delivered within time frame. SummaryReviewer Nathalie DuboisReview Date2018-04-11 09:05:51Reviewed Item Bling Online 10cm Wide Black Stretch Fabric Headband Kylie Head Band.Rating 4.0 / 5 stars, based on 26 reviewsPrice£2.07
Share Facebook Twitter Google + LinkedIn Pinterest Brian E. RavencraftThe accountants my firm are invested in all aspects of our clients’ businesses, including the ways their success and security could be threatened. Our team is very focused on cybersecurity measures and we spend a great deal of time studying the methods and motivations of hackers. Most people are only opaquely aware of the threats that are around them continuously. We see examples frequently that are both fascinating and terrifying at the same time.Our firm invests in top line firewalls, antivirus, SPAM filters, and of course, training, as do many other companies. These tools are vital and do mitigate some threats, but the truth is it’s the human users that are often the weak link in the defense chain. For this reason, we continuously stress that the absolute best defense a company can mount is by being vigilant, proactive, and educated. This goes for any type of company, whether it be an accounting firm, a feed supply business, or a family farm — no one is safe from these threats. I’ll share a couple examples that drive home why it’s vital to pay attention to protect yourself and your company.Late one evening not long ago a colleague of mine reached out to our firm’s IT Director, stating he had started receiving SPAM emails at an alarming rate. Within a couple hours he had received thousands of messages from around the world, often in foreign languages such as Dutch, Russian, Swedish, and Chinese and it didn’t appear to be letting up. IT asked him please forward a few examples to them for examination and to take a moment and check his online accounts, such as PayPal, Amazon, etc. IT had a strong suspicion of what might be happening to him.IT called him again the following morning and together they did some further investigating. As my colleague was carefully deleting the SPAM messages, he found an email from a major retailer that acknowledged his “Online Order.” It seemed someone had accessed his account, changed the billing and shipping address, and placed a $1,000+ order at approximately 7 p.m. the previous night. Fortunately, he called the retailer and canceled the transaction before it shipped, and changed his account settings and password to prevent further attacks. In this case, the hacker “SPAM Bombed” him a few hours before they attacked his account. By sending thousands of SPAM messages to him, they hoped the deluge and clutter of emails would cause him to miss the account changes and order notifications from the retailer, and therefore not catch it in time. Because he was vigilant, proactive, and educated our team stopped it.Another recent example we encountered at a client was an email that was received by a team member of the company that appeared at first glance to be from a senior manager. The message was innocuous enough, and simply asked “Are you in the office today?” The team member did notice that the return email address was NOT the senior manager’s actual email address, and reached out to us for direction. This email is a prime example of spear phishing. In this case, the hacker is deliberately attacking an individual by masquerading as someone the users knows and trusts in the hopes of getting the employee to engage with them. Had the employee taken the bait and casually assumed he was communicating with the senior manager, the hacker would likely have sent a file attachment such as a spreadsheet or PDF asking him to take a look at it. The file attachment would have almost certainly carried a payload with a trojan or Ransomware. Because he was vigilant we stopped it.Every company faces these threats on a daily basis. Sadly, we see far too many professionals demonstrate a gross lack of understanding of the risks to their organizations via these threats. They believe that because they have invested in the latest firewall or software security suite, they have adequately protected their information assets. Properly configured hardware and software are certainly vital components of an effective cybersecurity program, but equally important are guidelines, policies, and procedures that are carefully designed, documented, implemented, and enforced. And, of course, security awareness training for all employees is absolutely required to ensure the hackers do not easily compromise the system by tricking the humans into granting them access. After all, a company can spend millions in security software, hardware, and physical doors and locks but it’s all useless if an employee leaves a door or window unlocked.Again, every business, no matter the industry, should work to safeguard themselves from the types of attacks we outlined here. I share all of this information with you in my monthly finance article because falling victim to cybercrime can be costly and devastating to your finances. As always, please reach out to me with questions. Brian E. Ravencraft, CPA, CGMA is a Principal with Holbrook & Manter, CPAs. Brian has been with Holbrook & Manter since 1995, primarily focusing on the areas of Tax Consulting and Management Advisory Services within several firm service areas, focusing on agri-business and closely held businesses and their owners. Holbrook & Manter is a professional services firm founded in 1919 and we are unique in that we offer the resources of a large firm without compromising the focused and responsive personal attention that each client deserves. You can reach Brian through www.HolbrookManter.com or at BRavencraft@HolbrookManter.com.