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#mobile application development in Nottingham
How To Build an Instant Grocery Delivery App Like Gorillas?
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Customers and industry participants are concentrating on rapid delivery, or q-commerce, as a result of the recent trend in the retail eCommerce sector. Customers, particularly those who shop at food stores, anticipate prompt delivery. Therefore, as a business owner in the grocery sector, you should be aware of the techniques and methods to deliver goods to clients quickly.
Are you eager to explore the field of on-demand grocery delivery?
If yes, this blog will help you with on-demand grocery app development and ensure the quickest grocery delivery of your identity in the UK area.
Gorilla Clone App: Offer Quality On-Demand Grocery Delivery Solution
The cutting-edge infrastructure used by the Gorillas clone app offers online grocery ordering and delivery services. It comprises customizable modules that take advantage of better business chances and improve your clients’ services. Automating a traditional grocery store is relatively easy with apps like Gorillas, which offer scalability choices and make order management simple for business owners.
Read Also – Must-Have Features to Build Grocery Delivery App in 2023
Why Create a Gorilla-like Grocery Delivery App?
The idea may seem trite when discussing expanding grocery delivery apps, but it is widespread. What makes the idea notable is its overall simplicity with which customers are presented. A supermarket app may be created at a minimal cost and with a good return on investment compared to other projects.
Here are a few of the factors that have contributed to the popularity of grocery delivery applications on smartphones in recent years:
Saves Both Time and Energy
With only a few clicks, customers of any grocery delivery app may complete their daily tasks. Shoppers will pass their time working and having fun instead of standing in lengthy lines to pay and carry heavy luggage.
Upscales the Overall Business
You cannot afford to disregard the trend if you run an offline store. You can hire an on-demand grocery delivery app development business for a modest investment to expand your clientele.
Cost-effective Business Model
The dark shop business plan takes a relatively little initial expenditure if you want to launch a new business but have a limited budget. The functionality employed in the app affects how much a dark shop service costs online.
How does an App like Gorillas Operate?
Following is a description of how the grocery delivery business software works, from placing an order-to-order confirmation to order pickup and delivery:
Most grocery apps have relatively straightforward operations.
Step 1: Customers may shop online or through specialized apps by adding items to their carts and placing orders. Users can also do specific item searches here based on their needs.
Step 2: After a customer order, the retailer can accept or reject the purchase. Once the order is prepared for shipment, an automated notice is issued to the closest delivery provider for order pickup.
Step 3: The order is picked up and delivered to the customer by a delivery service. Customers may use their app to follow the real-time order status here.
Step 4: Consumers can get their orders. They may now choose a payment method and review the services based on their personal experiences.
In this approach, a tool like Gorillas streamlines the procedure for both clients and grocery store proprietors.
What is the cost of grocery delivery app development?
There are many features and factors to consider before starting to design a grocery delivery app. Since every application is different and its price depends on a number of factors, it is impossible to pinpoint an exact cost for every given application.
However, the key components include:
App complexity
Type of application (native or cross-platform)
Development team size
Location of the app development company
Features integrations
Make sure all the contemporary features are included so that users of your software will feel included. The total cost of development rises noticeably as the number of features grows. To get an accurate estimate, it is advised to shake hands with an experienced and reputable app development company in Nottingham.
Conclusion
The future of the food delivery industry is bright and promising as millions of customers move their grocery shopping from traditional retail locations to online retailers. The market for online grocery delivery services is becoming more competitive. Therefore, now is the ideal moment to seize the chance and start your own grocery delivery service by hiring mobile app developers in Nottingham. You may contact Zimble Code to begin developing a grocery app and meet your company’s goals.
Article Resource - https://zimblecode.com/how-to-build-an-instant-grocery-delivery-app-like-gorillas/
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xpertjust · 2 years
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Cvs nottingham pa
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Cvs nottingham pa software#
Cvs nottingham pa professional#
The program is not intended as a substitute for insurance and does not meet “Creditable Coverage” requirements under state or federal law. We do not provide insurance, insurance benefits, or reimbursement benefits of any kind. branded here as RxSpark nor its affiliate partner (collectively “We”, “Us”, or, possessively “Our”) is affiliated with any dispensing pharmacies or pharmaceutical companies identified on Our Platform, nor do We have any influence on their pricing or product placement.ĭISCOUNT ONLY – NOT INSURANCE. We, through Our Platform and otherwise, solely promote discounts and/or other price-savings offered by manufacturers, distributors, and/or retailers of pharmaceuticals and other related products.
Cvs nottingham pa software#
Similar Providers Providers with similar names Provider NameĢ01 Muncy Creek Blvd.This website (“Our Website”) along with our mobile applications and/or the software underlying each and/or all (collectively, “Our Platform”) provides price aggregation services, hosting offers on discount prescriptions throughout the US. Penn State Health Lancaster Medical CenterĢ160 State Rd Ste 1316, Lancaster, PA 17601-1812Ĥ045 W 13 Mile Rd Ste F, Royal Oak, MI 48073-6640įind all providers with the same taxonomy Providers with the same taxonomy Provider Nameġ2801 Victory Blvd Unit B, North Hollywood, CA 91606-3012ġ4375 Nason St Ste 109, Moreno Valley, CA 92555-4730Ģ23 N Van Dien Ave, Ridgewood, NJ 07450-2736ħ10 S Tampa Ave, Suite 203, Orlando, FL 32805-3646ģ415 Hamilton St Ste 2, Hyattsville, MD 20782-3953 Notes: Source: Developed by National Council for Prescription Drug Programs (NCPDP), National Home Infusion Association (NHIA), and Pharmacist Services Technical Advisory Coalition (PSTAC) It meets any licensing or certification standards set forth by the jurisdiction where it is located.
Cvs nottingham pa professional#
A pharmacy is a facility whose primary function is to store, prepare and legally dispense prescription drugs under the professional supervision of a licensed pharmacist. Taxonomy Information Primary Taxonomy Codeĭefinition: A facility used by pharmacists for the compounding and dispensing of medicinal preparations and other associated professional and administrative services. Other Provider Names Other Organization Name Provider Information NPIĪuthorized Official Information Official Nameĭurable Medical Equipment & Medical Supplies The practice address is 12301 Knights Road, Philadelphia, PA 19154, US. The National Provider Identifier (NPI) is #1891466413. Pennsylvania Cvs Pharmacy, L.l.c is a health care provider registered with Centers for Medicare & Medicaid Services (CMS), National Plan and Provider Enumeration System (NPPES).
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isharkseo · 3 years
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How Responsive Web Design Serves The Best Experience?
With the fast pacing lifestyle IT is also immensely growing, and Digital solution providers by providing various kinds of web solution have made this life hack easier and smoother as well and the web design and development companies are along with creative purposeful web development, engaged in mobile friendly responsive web designing and mobile application development as well. Responsiveness of a website is an attribute that make it along with desktop to other internet supportive device friendly such as mobile phones, tablets etc. Though separate hybrid and native mobile app are being developed for Android and iPhone Smartphone which have great user-interface, experience and attractively light weighted to download to work speedily, but it never fade-out a website's importance among users and along with hybrid mobile application, they access the website on this device too.
Usually in today's trend every business provides both it commerce centric website and mobile application too now, in such case it quite thinkable that when Android application have all the features and functionalities of the complete website than why need a responsive website? So here is the some magnificent importance of a responsive website are:
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Mobility
The prominent leading feature of a responsive website is its mobility which makes the site easy to access anywhere anytime and any internet friendly device and browser. Though mobile application also does so but its brief layout of complete web portal that gives the limited required features and functionalities and in compare that responsive web design gives device friendly complete website view.
Accessibility
In compare to adaptive website, responsive web design gives the easier and speedily accessibility over handheld devices, and apart you can access it while facing internet speed issue too, most of responsive website gives the Basic HTML Version accessibility during weak signal strength, this version facilitates you to access the site without any interruption and do the willing relevant task from anywhere and anytime.
Website Ranking
A good website is one which is purposeful, user-friendly, web browser compatible, and along with these SEO friendly too to boost up with website ranking on Google to view on top among competitors, and a perfectly designed responsive website by a web design company plays the key role in that and provide SEO and device friendly great user- friendly experience to improve the website ranking and image as well.
Mobile application alternative
It's quite obvious that when you have device friendly responsive website than there is no need to get of mobile application for the same, that reduces the cost and maintenance overhead over two web solutions. It's an appealing alternative of mobile application hence Digital solution provider companies now working on it to provide the client's one unique solution for diversified web-based queries.
However, website designing is not new the trend and anyone without having academic knowledge or experience can craft it for learning purpose but a responsive web design is beyond that and provides competitive diversified internet friendly device experience and professional web development experts work on it to make designed website attractive, web browser compatible and device friendly too.
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Patent Your App Idea To Protect It From Marketplace Copycats
Looking for a top app development company in Nottingham, UK to validate your app idea before filing a patent application? Let Zimble Code help. 
Call us at + 44 20 38075960 or drop us a mail at [email protected] 
For more details visit: https://zimblecode.com/patent-your-app-idea-to-protect-it-from-marketplace-copycats/
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appleliquor39-blog · 4 years
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Cryopen Treatments Skin center Wimbledon & Kensington, London.
blemishes Skin Tag and Also Mole elimination Hounslow From ₤ 80 *.
Content
just How Coolsculpting Fat Freezing functions.
physician & registered Nurse Led clinic.
What locations Can Be dealt With?
massages With Quality ingredients Make The Skin noticeably smoother.
Hifu Experience
Conversely, one of our Doctors can remove them for you in minutes with some anaesthetic, making certain a painless treatment, plus decreasing opportunities of infection, scarring and also recurrence unlike if attempted in your home. Cosmetic surgery is normally just readily available on the health and wellness solution if the trouble is affecting your physical or psychological wellness. A skin tag resembles a little piece of soft hanging tissue and also can be clear or pigmented. Skin tags are normally benign, non cancerous tiny tumors of the skin which trigger no signs. Skin tags have a tendency to expand where skin rubs versus skin or clothing.
Where does the fat go when you freeze it?
When the fat cells are frozen, they crystallize and go through apoptosis (cell death) of fat tissue without damage to surrounding skin. When the fat cells die, the body identifies the dead cells as waste and eliminate the waste through its normal process.
You'll have your therapy at one of our CQC registered clinics. Your first assessment will be with our expert that can carry the procedure out on the same day. We're one of minority plastic surgery companies had and lead by medical professionals. We've presented a number of procedures in our facilities and also health center to shield the health of our clients in the era of Coronavirus. We desire you to be guaranteed that having your procedure at Pall Shopping mall is supported by clear procedures, standards and plans - all put in place for your defense and satisfaction.
just How Coolsculpting Fat Freezing works.
You can discover the full information of these in our brand-new Client Charter. Pall Shopping center supplies a variety of private clinical solutions for company clients including medicals, worker health screening, lawful reporting as well as private GP services. Pall Shopping center is residence to a variety of skilled consultant doctors who perform operations and treatments independently for those that can not wait or like the benefits that private healthcare brings.
physician & registered Nurse Led facility.
Can you drink alcohol after Aqualyx?
Abstain from demanding exercise for 5-7 days. Maintain a healthy diet while released fat is being metabolised to avoid fat storage elsewhere. Drink plenty of fluids following treatment and avoid alcohol/non- steroidal anti-inflammatory medication or aspirin for 24 hours.
Usually just one cryotherapy session is called for however the process can safely be repeated if needed. The afflicted area of skin will be numbed with a regional anaesthetic before the doctor starts the removal treatment. If you're bothered with the procedure the physician may also give you a sedative to make you feel more relaxed. Moles, skin tags, cysts and also warts are skin growths that are normally entirely safe however can look undesirable.
They can affect some peoples self-worth or can snag on garments or jewellery as well as hemorrhage. Skin tags frequently expand where skin rubs versus skin or clothes. Which would certainly discuss why they have a tendency to impact obese individuals who have excess folds of skin and also skin chafing. This enables the skin tag to conveniently be reduced from the skin surface area. Skin tags are really common soft safe lesions that show up to hang off the skin. We use a topical anaesthetic at an additional price before applying the Fibroblast electrode to the skin or additionally you can decide to have the procedure without anaesthetic. " Really specialist, pleasant personnel with a good range of therapies on offer to make me look far better."
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This implies they are not located within, yet beside the skin. Blistering can take place following this therapy but it soon resolves. Mild residual scarring may be present however this need to be transitory and also ought to discolor with time. This involves spraying the location for a number of seconds with liquid nitrogen, which is kept at a subzero temperature level in a vacuum container. This obstructs the blood supply to the skin tag and also causes its cells to pass away and also the development to leave.
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This would describe why they likewise tend to affect obese individuals or more youthful children that have excess folds up of skin and skin chafing. However, if trying to do it on your own you need to have great understanding in desinfection, sterility & quiting bleedings. lipo freeze Nottingham 3d business than happy to describe this to you during an examination if you intend to go this way. Nonetheless, given that they present no risk to physical health, NHS financing might not be available for their elimination and also this may need to be set up privately. If we attempt to call you by phone (mobile and/or landline) and you are not offered, we might leave you a voicemail message.
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They are generally safe yet can become bothersome if they catch on apparel or you reduced them while cutting. They can also be big, visible as well as positioned in a popular area, making you feel uncomfortable regarding the means you look.
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What areas Can Be treated?
Benign, removal of a skin imperfection normally for aesthetic reasons. Only treat skin tags if they lie on the neck, chest, underarms, back or groin. Never attempt to eliminate huge skin tags on your own because they'll bleed heavily. Surgical removal has the advantage of getting rid of the skin tag entirely, but there is a risk of small blood loss. Occasionally, skin tags diminish by themselves if the tissue has actually turned and passed away from an absence of blood supply. As this is a cosmetic treatment you do not need a referral letter from your GP. Nonetheless, you might want to take into consideration getting them gotten rid of if they are undesirable and also influence your self-confidence, or if they snag on apparel or jewelry and also hemorrhage.
In patients with solitary skin tags they are often singular and often tend not to come back. Numerous skin tags around the neck can sometimes be brought on by obesity and also are more likely to find back unless weight is normalised. Many Skin Tags are so called "fibroepithelial polyps", which are primarily typical skin, that has actually developed a polyp like framework and also are hanging on the skin.
massages With Quality active Ingredients Make The Skin noticeably easier.
Ultherapy is excellent for skin that is mild to moderately lax, by replacing and also restoring the skin from within.
Ultherapy can be made use of to lift the brow, which consequently minimizes excess skin on the eyelids and opens up the eyes.
Rates range depending upon the area being dealt with and also begin with ₤ 1400.
We can provide numbing if needed and also our physician can provide a nerve block if needed.
At Elite Looks, we will certainly guarantee that you stay comfortable during the entire treatment duration.
You might experience slight pain during an HIFU procedure.
Nevertheless, you may experience small pain throughout the treatment.
Hifu Experience
We might also use your information to contact you concerning individual studies we use for improving our service or monitoring results, which are not a form of advertising and marketing. The precise method made use of will depend upon dimension and place, but moles and bigger lesions are usually eliminated with a scalpel, the injury gathered stitches and then covered with a short-lived dressing.
Does fat come out in poop?
We do lose a bit of weight when we poop, but it's not an effective way to lose the weight that really affects our health: body fat. Experts say fat that accumulates around the waist is the most dangerous type of body fat. This fat is called visceral fat.
" The facility made my whole treatment as comfortable and stress-free as feasible. Would definitely recommend Dr Faris as well as his group to my good friends as well as family." Take into consideration signing up to our newsletter for treatments, items, occasions & discounts. Complying with a skin tag excision, your skin might really feel irritated or appear a little discoloured, but this is not unusual and also will ease itself after a short while.
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just How To find united States as Well As Opening Times.
Though they are safe, it is encouraged that you do not attempt to eliminate a skin tag without consulting your medical professional first. While skin care can go a long method in increasing luster or dealing with an outbreak, no cream can match the potent plumping powers of aesthetic injections.
Is Cool Sculpting painful?
Coolsculpting pain is primarily experienced during the procedure itself. It's possible to feel pain from the numbness caused by the cooling sensations from the freezing applicator used during the procedure. You may also feel slight pinching and pulling sensations as the fat cells are frozen and pulled out.
In our network of local hospitals, located conveniently for our clients, we have Specialist Skin Specialists as well as General Surgeons that can promptly, merely and also individually eliminate your benign skin lesion. A superior improving therapy incorporating an AHA peel followed by a face massage with a soothing balm and also a renewing mask to firm, moisten as well as scrub skin. An one-of-a-kind treatment to deeply scrub skin and increase the skins all-natural capability to hold moisture. The material is distributed via a special canister with a nozzle, allowing a very targeted application. It is very important that none of the material jumps on the bordering skin as it will certainly cause discomfort. We collaborate with AfforditNOW to bring you versatile finance alternatives for your treatments. We offer 0% finance over 24 months on all non-surgical therapies over ₤ 500.
Every One Of Pall Shopping center exclusive experts are experts as well as experienced in their corresponding areas. If you're unable to discover a specialist for the clinical area you're searching for, please contact us. You can now reserve most visits online, approximately one month ahead of time. As this is a cosmetic procedure, you do not require a reference letter from your GP. Cryotherapy-- a therapy which ices up and destroys the sore which after that passes away and hands over numerous days later on. Nonetheless, you might want to consider their elimination if they are unpleasant.
The physician will assess your locations of problem as well as recommend whether more examination is needed. If so, web based lipo freeze Reading 3d required arrangements will be made and also individuals are often referred in order to validate that there are no contraindications. We would also prefer people to consult their GPs in Hounslow for recommendations prior to booking an appointment.
These bits of skin are typically located on the groin, armpits, neck or under the busts. Additionally, they can also expand on the eyelids or under the folds up of the butts.
advantages Of Cryopen modern Technology.
We offer an enquiry triage procedure enabling you to utilize the query type below to submit a photograph of your swellings as well as bumps. We will then recommend you which of our clinicians you need to see, based on the intricacy of your situation. The expense of several eliminations will be validated to you prior to your procedure begins, there are no surprise costs. Optional- please upload a picture of your skin tag for our consultant to assess. If you're preparing to do it at home by way of creams, strings and blades, please look for medical suggestions.
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charlieharry1 · 4 years
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How Bridging the Local SEO Gap Will Make Your Website Strong
How Bridging the Local SEO Gap Will Make Your Website Strong
Nearby SEO has changed the computerized scene colossally in the previous hardly any years. Where once firms  Digital Marketing Company in Nottingham were dashing to check a worldwide impression, the center has now moved towards guaranteeing that SEO results are generally applicable to a specific topographical area. This is abundantly delineated by patterns, for example, the voice search, virtual cell phone partners and keen gadgets for buyers who are not associating with a screen. Along these lines, web content must be improved for nearby clients.
The way to viable advanced advertising is guaranteeing that your site design improvement endeavors are equipped towards neighborhood look. Effectively diverting neighborhood traffic to your site helps perceivability among clients searching for nearby choices. Amping up your nearby SEO execution encourages you ride to the head of list items and can likewise thusly decidedly impact your paid indexed lists.
Neighborhood SEO in 2019
Read Also:-  For successful online marketing what you need?
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Google appraises that 97% of purchasers search for neighborhood organizations on the web. Having the option to change over an output to a business bargain is the contrast between remaining above water and going under. As per an investigation (interface), insights plainly show how significant neighborhood look is for organizations:
half quests on cell phones finished in a real visit to a similar business
half scans are searching for nearby answers for issues
One out of three cell phone look was led promptly preceding a neighborhood store visit
Neighborhood search is an expansive field that is continually developing and changing, moving advertisers to keep up. Regardless of what sort of business it is, conventional showcasing efforts ought to consistently be joined by genuine endeavors into nearby SEO positioning to support online nearness. Positioning as a real business builds brand mindfulness and clients' traffic, gets a good deal on paid advertisements, and draws in moment exposure.
What is Local SEO?
Neighborhood SEO is a site design improvement process explicitly outfitted to featuring nearby outcomes during on the web look. Page content, external link establishment, and on-page enhancement are consolidated to appear on top in nearby list items. Since Google remains the most applicable web crawler, steady data must be given over the nearby inquiry scene. The main manner by which nearby SEO and natural SEO contrast is regarding the geological part – while natural SEO is focused on a worldwide crowd, neighborhood SEO is applicable to a restricted topographical spread.
Top Google Local Pack Ranking Factors
Here are the bases you should cover in the event that you need your site to appear at the head of indexed lists on Google:
Guarantee a "Google My Business" page and put right data with respect to the kind of business. Transfer photographs of your area, items, and staff to expand believability. Your NAP (name, address, telephone number) ought to be steady over all stages
The Google Knowledge Panel which gathers and shows all important essential data about a neighborhood posting likewise influences positioning
Make a nearness on online catalogs, for example, Yellow pages, Foursquare, Apple Maps, and Yahoo's Localworks
Your site ought to be versatile well disposed. Google's most recent calculation first checks whether you are portable prepared.
Closeness of address matters most to nearby rankings. How close searchers are to specific organizations right now affects whether those organizations appear in Google query items.
What is Important for your Local SEO Strategy?
Neighborhood SEO suggests that the pertinent crowd knows about your reality. These are the individuals who are found locally, and who direct online pursuits with clear goal. Being obvious to them is the thing that successes the day. Here are a few hints for getting open to an ever increasing number of individuals locally:
Neighborhood content turn of events – Content ought to be applicable and outfitted towards a nearby crowd. It is ideal to foresee search questions.
Reference the board – A reference contains online notice of the points of interest of a business. They help the inquiries find and find neighborhood organizations.
Audit the executives - Allow your clients to survey your presentation, ideally straightforwardly on Google as these are given need during look. A portion of the other survey locales are Yelp, Glassdoor and others. Audits extraordinarily increment the perceivability of your site, so you should guarantee that most of them are sure. Surveys which incorporate your area or watchwords advance trust with Google. Additionally, consistently attempt to react to all surveys.
Specialized requirements – The neighborhood business site ought to be without blunder, indexable, multi-gadget consistent, appropriately improved and all around organized.
Outline – Properly designed, it permits a web index to show easy to understand bits about your site.
Neighborhood third party referencing – Email, trailed by network sites and nearby substance and news sites are generally important for making joins that convey up neighborhood business in search rankings.
On location enhancement – Write and mastermind content on your site in a way that nearby searchers think that its significant
Web composition – The site ought to be open over all standard gadgets
Email showcasing – This includes keeping current and potential clients refreshed on most recent news from the organization's end and is the most ideal approach to get across to a focused on crowd.
Google's Mobile-first ordering - Google has given rules to make a portable neighborly site. Follow these cautiously to improve your site's exhibition.
Disconnected devotion programs – Presence on significant internet based life stages, for example, Facebook and Instagram can assist you with winning neighborhood joins.
Notwithstanding the abovementioned, some nearby strategies are: apply geo-changed watchwords to pinpoint the area, and guarantee that you are highlighted on confided in neighborhood bits.
Neighborhood SEO devices
Some neighborhood SEO explicit devices which can be applied to build site execution are:
Computerized postings locater – this permits distinguishing proof of extra index posting openings. It additionally guarantees confirmation and refreshing of all posting data together
Survey the executives instruments inform organizations of new audits over all stages with the goal that the business can react reasonably
Aside from these, Google has a scope of devices to enable each business to assemble and keep up their own particular nearby SEO instruments. These incorporate – Google Analytics, Google Search Console, Google My Business bits of knowledge, Google label chief and aftereffects of insights and studies.
The accomplishment of your neighborhood SEO procedure is controlled by how the business characterizes generally speaking achievement. An all around organized arrangement ought to be created which is adaptable just as open to adjustment. To truly improve  Digital Marketing Agencies in Nottingham neighborhood nearness, nearby SEO too ought to be checked and tweaked as per the business condition's chances and dangers. Neighborhood SEO streamlining is a consistent procedure.
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bigyack-com · 5 years
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China’s mass surveillance system flags Uighurs for detention camps - world news
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The watch towers, double-locked doors and video surveillance in the Chinese camps are there “to prevent escapes.” Uighurs and other minorities held inside are scored on how well they speak the dominant Mandarin language and follow strict rules on everything down to bathing and using the toilet, scores that determine if they can leave.“Manner education” is mandatory, but “vocational skills improvement” is offered only after a year in the camps.Voluntary job training is the reason the Chinese government has given for detaining more than a million ethnic minorities, most of them Muslims. But a classified blueprint leaked to a consortium of news organizations shows the camps are instead precisely what former detainees have described: Forced ideological and behavioral re-education centers run in secret.The classified documents lay out the Chinese government’s deliberate strategy to lock up ethnic minorities even before they commit a crime, to rewire their thoughts and the language they speak.The papers also show how Beijing is pioneering a new form of social control using data and artificial intelligence. Drawing on data collected by mass surveillance technology, computers issued the names of tens of thousands of people for interrogation or detention in just one week.Taken as a whole, the documents give the most significant description yet of high-tech mass detention in the 21st century in the words of the Chinese government itself. Experts say they spell out a vast system that targets, surveils and grades entire ethnicities to forcibly assimilate and subdue them -- especially Uighurs, a predominantly Muslim Turkic minority of more than 10 million people with their own language and culture.“They confirm that this is a form of cultural genocide,” said Adrian Zenz, a leading security expert on the far western region of Xinjiang, the Uighur homeland. “It really shows that from the onset, the Chinese government had a plan.”Zenz said the documents echo the aim of the camps as outlined in a 2017 report from a local branch of the Xinjiang Ministry of Justice: To “wash brains, cleanse hearts, support the right, remove the wrong.”China has struggled for decades to control Xinjiang, where the Uighurs have long resented Beijing’s heavy-handed rule. After the 9/11 attacks in the United States, Chinese officials began justifying harsh security measures and religious restrictions as necessary to fend off terrorism, arguing that young Uighurs were susceptible to the influence of Islamic extremism. Hundreds have died since in terror attacks, reprisals and race riots, both Uighurs and Han Chinese.In 2014, Chinese President Xi Jinping launched what he called a “People’s War on Terror” when bombs set off by Uighur militants tore through a train station in Urumqi, the capital of Xinjiang, just hours after he concluded his first state visit there.“Build steel walls and iron fortresses. Set up nets above and snares below,” state media cited Xi as saying. “Cracking down severely on violent terrorist activities must be the focus of our current struggle.”In 2016, the crackdown intensified dramatically after Xi named Chen Quanguo, a hardline official transferred from Tibet, as Xinjiang’s new head. Most of the documents were issued in 2017, as Xinjiang’s “War on Terror” morphed into an extraordinary mass detention campaign using military-style technology.The practices largely continue today. The Chinese government says they work.“Since the measures have been taken, there’s no single terrorist incident in the past three years,” said a written response from the Chinese Embassy in the United Kingdom. “Xinjiang is much safer....The so-called leaked documents are fabrication and fake news.”The statement said that religious freedom and the personal freedom of detainees was “fully respected” in Xinjiang.The documents were given to the International Consortium of Investigative Journalists by an anonymous source. The ICIJ verified them by examining state media reports and public notices from the time, consulting experts, cross-checking signatures and confirming the contents with former camp employees and detainees.They consist of a notice with guidelines for the camps, four bulletins on how to use technology to target people, and a court case sentencing a Uighur Communist Party member to 10 years in prison for telling colleagues not to say dirty words, watch porn or eat without praying.The documents were issued to rank-and-file officials by the powerful Xinjiang Communist Party Political and Legal Affairs Commission, the region’s top authority overseeing police, courts and state security. They were put out under the head official at the time, Zhu Hailun, who annotated and signed some personally.The documents confirm from the government itself what is known about the camps from the testimony of dozens of Uighurs and Kazakhs, satellite imagery and tightly monitored visits by journalists to the region.Erzhan Qurban, an ethnic Kazakh who moved back to Kazakhstan, was grabbed by police on a trip back to China to see his mother and accused of committing crimes abroad. He protested that he was a simple herder who had done nothing wrong. But for the authorities, his time in Kazakhstan was reason enough for detention.Qurban told the AP he was locked in a cell with 10 others last year and told not to engage in “religious activities” like praying. They were forced to sit on plastic stools in rigid postures for hours at a time. Talk was forbidden, and two guards kept watch 24 hours a day. Inspectors checked that nails were short and faces trimmed of mustaches and beards, traditionally worn by pious Muslims.Those who disobeyed were forced to squat or spend 24 hours in solitary confinement in a frigid room.“It wasn’t education, it was just punishment,” said Qurban, who was held for nine months. “I was treated like an animal.”WHO GETS ROUNDED UP AND HOWOn February 18, 2017, Zhu, the Han Chinese official who signed the documents, stood in chilly winter weather atop the front steps of the capital’s city hall, overlooking thousands of police in black brandishing rifles.“With the powerful fist of the People’s Democratic Dictatorship, all separatist activities and all terrorists shall be smashed to pieces,” Zhu announced into a microphone.With that began a new chapter in the state’s crackdown. Police called Uighurs and knocked on their doors at night to take them in for questioning. Others were stopped at borders or arrested at airports.In the years since, as Uighurs and Kazakhs were sent to the camps in droves, the government built hundreds of schools and orphanages to house and re-educate their children. Many of those who fled into exile don’t even know where their children or loved ones are.The documents make clear that many of those detained have not actually done anything. One document explicitly states that the purpose of the pervasive digital surveillance is “to prevent problems before they happen” -- in other words, to calculate who might rebel and detain them before they have a chance.This is done through a system called the Integrated Joint Operations Platform or IJOP, designed to screen entire populations. Built by a state-owned military contractor, the IJOP began as an intelligence-sharing tool developed after Chinese military theorists studied the U.S. army’s use of information technology in Iraq and Afghanistan.“There’s no other place in the world where a computer can send you to an internment camp,” said Rian Thum, a Xinjiang expert at the University of Nottingham. “This is absolutely unprecedented.”The IJOP spat out the names of people considered suspicious, such as thousands of “unauthorized” imams not registered with the Chinese government, along with their associates. Suspicious or extremist behavior was so broadly defined that it included going abroad, asking others to pray or using cell phone apps that cannot be monitored by the government.The IJOP zoomed in on users of “Kuai Ya,” a mobile application similar to the iPhone’s Airdrop, which had become popular in Xinjiang because it allows people to exchange videos and messages privately. One bulletin showed that officials identified more than 40,000 “Kuai Ya” users for investigation and potential detention; of those, 32 were listed as belonging to “terrorist organizations.”“They’re scared people will spread religion through ‘Kuai Ya,’” said a man detained after police accused him of using the app. He spoke to the AP on condition of anonymity to protect himself and his family. “They can’t regulate it....So they want to arrest everyone who’s used ‘Kuai Ya’ before.”The system also targeted people who obtained foreign passports or visas, reflecting the government’s fear of Islamic extremist influences from abroad and deep discomfort with any connection between the Uighurs and the outside world. Officials were asked to verify the identities even of people outside the country, showing how China is casting its dragnet for Uighurs far beyond Xinjiang.In recent years, Beijing has put pressure on countries to which Uighurs have fled, such as Thailand and Afghanistan, to send them back to China. In other countries, state security has also contacted Uighurs and pushed them to spy on each other. For example, a restaurateur now in Turkey, Qurbanjan Nurmemet, said police contacted him with videos of his son strapped to a chair and asked him for information on other Uighurs in Turkey.Despite the Chinese government’s insistence that the camps are vocational training centers for the poor and uneducated, the documents show that those rounded up included party officials and university students.After the names were collected, lists of targeted people were passed to prefecture governments, who forwarded them to district heads, then local police stations, neighbor watchmen, and Communist Party cadres living with Uighur families.Some former detainees recalled being summoned by officers and told their names were listed for detention. From there, people were funneled into different parts of the system, from house arrest to detention centers with three levels of monitoring to, at its most extreme, prison.Experts say the detentions are a clear violation of China’s own laws and constitution. Margaret Lewis, a professor of Chinese law at Seton Hall University, said the Communist Party is circumventing the Chinese legal system in Xinjiang.“Once you’re stamped as an enemy, the gloves go off,” she said. “They’re not even trying to justify this legally....This is arbitrary.”The detention campaign is sweeping. A bulletin notes that in a single week in June 2017, the IJOP identified 24,612 “suspicious persons” in southern Xinjiang, with 15,683 sent to “education and training,” 706 to prison and 2,096 to house arrest. It is unknown how typical this week might be. Local officials claim far less than a million are in “training,” but researchers estimate up to 1.8 million have been detained at one point or another.The bulletins stress that relationships must be scrutinized closely, with those interrogated pushed to report the names of friends and relatives. Mamattursun Omar, a Uighur chef arrested after working in Egypt, was interrogated in four detention facilities over nine months in 2017. Omar told the AP that police asked him to verify the identities of other Uighurs in Egypt.Eventually, Omar says, they began torturing him to make him confess that Uighur students had gone to Egypt to take part in jihad. They strapped him to a contraption called a “tiger chair,” shocked him with electric batons, beat him with pipes and whipped him with computer cords.“I couldn’t take it anymore,” Omar said. “I just told them what they wanted me to say.”Omar gave the names of six others who worked at a restaurant with him in Egypt. All were sent to prison.WHAT HAPPENS INSIDE THE CAMPSThe documents also detail what happens after someone is sent to an “education and training center.”Publicly, in a recent white paper, China’s State Council said “the personal freedom of trainees at the education and training centers is protected in accordance with the law.” But internally, the documents describe facilities with police stations at the front gates, high guard towers, one-button alarms and video surveillance with no blind spots.Detainees are only allowed to leave if absolutely necessary, for example because of illness, and even so must have somebody “specially accompany, monitor and control” them. Bath time and toilet breaks are strictly managed and controlled “to prevent escapes.” And cell phones are strictly forbidden to stop “collusion between inside and outside.”“Escape was impossible,” said Kazakh kingergarten administrator Sayragul Sauytbay, a Communist Party member who was abducted by police in October 2017 and forced to become a Mandarin camp instructor. “In every corner in every place there were armed police.”Sauytbay called the detention center a “concentration camp...much more horrifying than prison,” with rape, brainwashing and torture in a “black room” were people screamed. She and another former prisoner, Zumrat Dawut, also told the ICIJ detainees were given medication that made them listless and obedient, and every move was surveilled.AP journalists who visited Xinjiang in December 2018 saw patrol towers and high walls lined with green barbed wire fencing around camps. One camp in Artux, just north of Kashgar, sat in the middle of a vast, empty, rocky field, and appeared to include a police station at the entrance, workshops, a hospital and dormitories, one with a sign reading “House of Workers” in Chinese.Recent satellite imagery shows that guard towers and fencing have been removed from some facilities, suggesting the region may have been softening restrictions in response to global criticism. Shohrat Zakir, the governor of Xinjiang, said in March that those detained can now request time and go home on weekends, a claim the AP could not independently verify.The first item listed as part of the curriculum is ideological education, a bold attempt to change how detainees think and act. It is partly rooted in the ancient Chinese belief in transformation through education -- taken before to terrifying extremes during the mass thought reform campaigns of Mao Zedong.“It’s the dark days of the Cultural Revolution, except now it’s powered by high-tech,” said Zenz, the researcher.By showing students the error of their former ways, the centers are supposed to promote “repentance and confession,” the directive said. For example, Qurban, the Kazakh herder, was handcuffed, brought to an interview with a Han Chinese leader and forced to acknowledge that he regretted visiting abroad.The indoctrination goes along with what is called “manner education,” where behavior is dictated down to ensuring “timely haircuts and shaves,” “regular change of clothes” and “bathing once or twice a week.” The tone, experts say, echoes a general perception by the Han Chinese government that Uighurs are prone to violence and need to be civilized -- in much the same way white colonialists treated indigenous people in the U.S., Canada and Australia.“It’s a similar kind of savior mentality -- that these poor Uighurs didn’t understand that they were being led astray by extremists,” said Darren Byler, a scholar of Uighur culture at the University of Washington. “The way they think about Uighurs in general is that they are backward, that they’re not educated....these people are unhygienic and need to be taught how to clean themselves.”Students are to be allowed a phone conversation with relatives at least once a week, and can meet them via video at least once a month, the documents say. Trainers are told to pay attention to “the ideological problems and emotional changes that arise after family communications.”Mandarin is mandated. Beijing has said “the customs of all ethnic groups and the right to use their spoken and written languages are fully protected at the centers.” But the documents show that in practice, lessons are taught in Mandarin, and it is the language to be used in daily communication.A former staffer at Xinjiang TV now in Europe was also selected to become a Mandarin teacher during his month-long detention in 2017. Twice a day, detainees were lined up and inspected by police, and a few were questioned in Mandarin at random, he told the AP. Those who couldn’t respond in Mandarin were beaten or deprived of food for days. Otherwise, speaking was forbidden.One day, the former teacher recalled, an officer asked an old farmer in Mandarin whether he liked the detention center. The man apologized in broken Mandarin and Uighur, saying it was hard for him to understand because of his age. The officer strode over and struck the old man’s head with a baton. He crumpled to the ground, bleeding.“They didn’t see us as humans,” said the former teacher, who declined to provide his name out of fear of retribution against his family. “They treated us like animals -- like pigs, cows, sheep.”Detainees are tested on Mandarin, ideology and discipline, with “one small test per week, one medium test per month, and one big test per season,” the documents state. These test scores feed into an elaborate point system.Detainees who do well are to be rewarded with perks like family visits, and may be allowed to “graduate” and leave. Detainees who do poorly are to be sent to a stricter “management area” with longer detention times. Former detainees told the AP that punishments included food deprivation, handcuffing, solitary confinement, beatings and torture.Detainees’ scores are entered in the IJOP. Students are sent to separate facilities for “intensive skills training” only after at least one year of learning ideology, law and Mandarin.After they leave, the documents stipulate, every effort should be made to get them jobs. Some detainees describe being forced to sign job contracts, working long hours for low pay and barred from leaving factory grounds during weekdays.Qurban, the Kazakh herder, said after nine months in the camp, a supervisor came to tell him he was “forgiven” but must never tell what he had seen. After he returned to his village, officials told him he had to work in a factory.“If you don’t go, we’ll send you back to the center,” an official said.Qurban went to a garment factory, which he wasn’t allowed to leave. After 53 days stitching clothes, he was released. After another month under house arrest, he finally was allowed to return to Kazakhstan and see his children. He received his salary in cash: 300 Chinese yuan, or just under $42.Long an ordinary herder who thought little of politics, Qurban used to count many Han Chinese among his friends. Now, he said, he’s begun to hate them.“I’ve never committed a crime, I’ve never done anything wrong,” he said. “It was beyond comprehension why they put me there.” Source link Read the full article
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kapilkumar01-blog · 5 years
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chiomachuka · 7 years
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Ebi Atawodi: Uber Nigeria’s General Manager
About Her: Ebi Atawodi holds a Bachelors with Honours in Electrical Electronics Engineering from the University of Nottingham. She obtained a Masters in Computing Science from Imperial College London with focus on Artificial Intelligence and Infographics. Ebi is a competitive Hobie Cat sailor. She is also very passionate about scuba diving. Ebi Atawodi hails from Kogi State in Nigeria. She was born in Lagos but had her elementary school in Benue State Nigeria. Ebi moved to Pakistan and attended Pakistan Air Force School. She relocated back to Kaduna State where she attended Turaki International School. Her family later moved to the United Kingdom leading to her post-elementary education at Samany College. She took her A level at Irwin College.
Her Work: Ebi Atawodi did not just surface from the clouds. She went through a process which made her who she is today. Her first job was co-founding a business start-up called Connect2Car where her team built a mobile application that allowed people to interface with their cars. Ebi Atawodi knew her love for technology and decided to pursue a career in that line. She worked as a software developer for the first five years of her career. Ebi’s dream was to do something that would impact on lives and extend to at least two or three generations. We would say Ebi is currently living her dreams. Ebi Atawodi has an experience of over a decade in marketing communications, brand strategy, digital/new media, product activation, brand amplification and corporate sponsorships experience. Prior to her position at Uber as General Manager for Lagos, she was formerly the Head of Corporate Communications and High Value Sponsorships at Etisalat. Uber is an app-based transportation network and taxi company whereas Etisalat is the fourth and fastest growing telecommunications company in Nigeria and 12th in the world. At Uber, Ebi Atawodi has the mandate of making Uber Lagos as influential and profitable as the parent company. Ebi has not done badly for a start. According to company reports, Uber Lagos has recorded a 10-times growth in the company’s supply within six months, as well as a hundred-fold growth in demand. Ebi Atawodi is also the creator of the Etisalat Prize for Literature – Africa’s most prestigious literary prize. While at Etisalat, she also created the Etisalat Music platform called Cloud9. Being an unapologetic believer in the arts, Ebi has published two books on photography –Nigerians Behind the Lens and FIVE. She has also worked in various roles/projects for Nokia, FirstBank, Booz & Company, Afren, GlaxoSmithKlein, Channel 4, Inden and Bupa. She was part of the team that started the first Apple product premium seller in Nigeria where she worked for 2 years.
Why We Love Her: When asked why she chose to work with Uber, Ebi gave the most intelligent answer which every woman should always remember. She said, “As you grow, you want new set of challenges. You want to tackle a new set of problems. My belief is that when you are open to learning new things and you have a certain level of experience, you can take on any challenge.” As tech-savvy women, we truly believe that generating/developing ideas, as well as working towards making those ideas a reality even in the midst of challenges is key to a successful and result oriented career.
The post Ebi Atawodi: Uber Nigeria’s General Manager appeared first on #TechHer.
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wikimakemoney · 4 years
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Online banking
Electronic payment system
Funds transfer
Electronic
Bill payment
Mobile
Wire
Cheque
SWIFT
Automated clearing house
Giro
Terms
Related topicsFinancial market (participants)
Corporate finance
Personal finance
Public finance
Financial law
Financial regulation
List of banks
Category
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t
e
Online banking, also known as internet banking or web banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution’s website. The online banking system will typically connect to or be part of the core banking system operated by a bank and is in contrast to branch banking which was the traditional way customers accessed banking services.
Some banks operate as a “direct bank” (or “virtual bank”), where they rely completely on internet banking.
Internet banking software provides personal and corporate banking services offering features such as viewing account balances, obtaining statements, checking recent transactions, transferring money between accounts and making payments.
Contents
1 History
1.1 Precursors
1.2 Emergence of computer banking
1.3 Internet and customer reluctance
1.4 First online banking services by region
1.4.1 The United Kingdom
1.4.2 The United States
1.4.3 France
1.4.4 Japan
1.4.5 China
1.4.6 Australia
1.4.7 India
1.4.8 Brazil
1.5 Banks and the World Wide Web
1.6 Interactive banking on the Web
2 Operation
3 Features
4 Security
4.1 Attacks
4.2 Countermeasures
5 See also
6 References
7 External links
History[edit]
Precursors[edit]
The precursor to the modern home banking services were the distance banking services over electronic media from the early 1980s. The term ‘online’ became popular in the late 1980s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. ‘Home banking’ can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank.
Emergence of computer banking[edit]
The first known deployment of home computer banking to consumers came in December 1980 at United American Bank, a community bank headquartered in Knoxville, Tenn. United American partnered with Radio Shack to produce a secure custom modem for its TRS-80 computer that would allow bank customers to access account information securely. Services available in its first year included bill pay, account balance checks, and loan applications, as well as game access, budget and tax calculators and daily newspapers. Thousands of customers paid $25-30 per month for the service.[1]
Large banks, many working on parallel tracks to United American, followed in 1981 when four of New York’s major banks (Citibank, Chase Manhattan, Chemical and Manufacturers Hanover) offered home banking services,[2][3][4] using the videotex system. Because of the commercial failure of videotex, these banking services never became popular except in France (where the use of videotex (Minitel) was subsidized by the telecom provider) and the UK, where the Prestel system was used.
The developers of United American Bank’s first-to-market computer banking system aimed to license it nationally, but they were overtaken by competitors when United American failed in 1983 as a result of loan fraud on the part of bank owner Jake Butcher, the 1978 Tennessee Democratic nominee for governor and promoter of the 1982 Knoxville World’s Fair. First Tennessee Bank, which purchased the failed bank, did not attempt to develop or commercialize the computer banking platform.[1]
Internet and customer reluctance[edit]
When the clicks-and-bricks euphoria hit in the late 1990s, many banks began to view web-based banking as a strategic imperative.[5] In 1996 OP Financial Group, also a cooperative bank, became the second online bank in the world and the first in Europe.[6] The attraction of banks to online banking are fairly obvious: diminished transaction costs, easier integration of services, interactive marketing capabilities, and other benefits that boost customer lists and profit margins. Additionally, online banking services allow institutions to bundle more services into single packages, thereby luring customers and minimizing overhead.
A mergers-and-acquisitions wave swept the financial industries in the mid- and late 1990s, greatly expanding bank’s customer bases. Following this, banks looked to the Web as a way of maintaining their customers and building loyalty. A number of different factors are causing bankers to shift more of their business to the virtual realm.
While financial institutions took steps to implement e-banking services in the mid-1990s, many consumers were hesitant to conduct monetary transactions over the internet. It took widespread adoption of electronic commerce, based on trailblazing companies such as America Online, Amazon.com and eBay, to make the idea of paying for items online widespread.
By 2000, 80% of U.S. banks offered e-banking. Customer use grew slowly. At Bank of America, for example, it took 10 years to acquire 2 million e-banking customers. However, a significant cultural change took place after the Y2K scare ended. In 2001, Bank of America became the first bank to top 3 million online banking customers, more than 20% of its customer base.[7] In comparison, larger national institutions, such as Citigroup claimed 2.2 million online relationships globally, while J.P. Morgan Chase estimated it had more than 750,000 online banking customers. Wells Fargo had 2.5 million online banking customers, including small businesses. Online customers proved more loyal and profitable than regular customers. In October 2001, Bank of America customers executed a record 3.1 million electronic bill payments, totaling more than $1 billion. As of 2017, the bank has 34 million active digital accounts, both online and mobile.[7] In 2009, a report by Gartner Group estimated that 47% of United States adults and 30% in the United Kingdom bank online.[8]
The early 2000s saw the rise of the branch-less banks as internet only institutions. These internet-based banks incur lower overhead costs than their brick-and-mortar counterparts. In the United States, deposits at most direct banks are FDIC-insured and offer the same level of insurance protection as traditional banks.
First online banking services by region[edit]
The United Kingdom[edit]
Online banking started in the United Kingdom with the launch of Nottingham Building Society (NBS)’s Homelink service in September 1982, initially on a restricted basis, before it was expanded nationally in 1983.[9] Homelink was delivered through a partnership with the Bank of Scotland and British Telecom’s Prestel service.[10] The system used Prestel viewlink system and a computer, such as the BBC Micro, or keyboard (Tandata Td1400) connected to the telephone system and television set. The system allowed users to “transfer money between accounts, pay bills and arrange loans… compare prices and order goods from a few major retailers, check local restaurant menus or real estate listings, arrange vacations… enter bids in Homelink’s regular auctions and send electronic mail to other Homelink users.”[10] In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Homelink system. Typical recipients were gas, electricity and telephone companies and accounts with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel. A cheque was then sent by NBS to the payee and an advice giving details of the payment was sent to the account holder. BACS was later used to transfer the payment directly.
The United States[edit]
In the United States in-home banking was “is still in its infancy” with banks “cautiously testing consumer interest” in 1984, a year after online banking went national in the UK.[10] At the time Chemical Bank in New York was “still working out the bugs from its service, which offers somewhat limited features”.[10] The service from Chemical, called Pronto, was launched in 1983 and was aimed at individuals and small businesses. It enabled them to maintain electronic checkbook registers, see account balances, and transfer funds between checking and savings accounts. The other three major banks — Citibank, Chase Bank and Manufacturers Hanover — started to offer home banking services soon after. Chemical’s Pronto failed to attract enough customers to break even and was abandoned in 1989. Other banks had a similar experience.
Since it first appeared in the United States, online banking has been federally governed by the Electronic Funds Transfer Act of 1978.[11]
France[edit]
After a test period with 2,500 users starting in 1984, online banking services were launched in 1988,[12] using Minitel terminals that were distributed freely to the population by the government.
By 1990, 6.5 million Minitels were installed in households. Online banking was one of the most popular services.
Online banking services later migrated to Internet.
Japan[edit]
In January 1997, the first online banking service was launched by Sumitomo Bank.[13] By 2010, most major banks implemented online banking services, however, the types of services offered varied.[13] According to a poll conducted by Japanese Bankers Association (JBA) in 2012, 65.2% were the users of personal internet banking[13].
China[edit]
In January 2015, WeBank, the online bank created by Tencent, started 4-month-long online banking trail operation.[14]
Australia[edit]
In December 1995, Advance Bank acquired by St.George Bank, started to provide customers with online banking with the rollout of the C++ Internet banking program.[15]
India[edit]
In 1998, ICICI Bank introduced internet banking to its customers.[16]
Brazil[edit]
In 1996, Banco Original SA launched its online-only retail banking.[17] In 2019 new banks began to emerge as the Conta Simples, focused only for companies.[18]
Banks and the World Wide Web[edit]
Around 1994, banks saw the rising popularity of the internet as an opportunity to advertise their services. Initially, they used the internet as another brochure, without interaction with the customer. Early sites featured pictures of the bank’s officers or buildings, and provided customers with maps of branches and ATM locations, phone numbers to call for further information and simple listings of products.
Interactive banking on the Web[edit]
In 1995, Wells Fargo was the first U.S. bank to add account services to its website, with other banks quickly following suit. That same year, Presidential became the first U.S. bank to open bank accounts over the internet. According to research by Online Banking Report, at the end of 1999 less than 0.4% of households in the U.S. were using online banking. At the beginning of 2004, some 33 million U.S. households (31%) were using some form of online banking. Five years later, 47% of Americans used online banking, according to a survey by Gartner Group. Meanwhile, in the UK online banking grew from 63% to 70% of internet users between 2011 and 2012.[19] By 2018, the number of digital banking users in the U.S. reached approximately 61 percent.[20] The penetration of online banking in Europe has been increased as well. In 2019, a date shows that 93 percent of the Norwegian population access online banking sites, which is the highest in Europe, followed by Denmark and Netherlands.[21] Across Asia, more than 700 million consumers are estimated to use digital banking regularly, according to a 2015 survey by McKinsey and Company.[22]
Operation[edit]
To access a financial institution’s online banking facility, a customer with internet access will need to register with the institution for the service, and set up a password and other credentials for customer verification. The credentials for online banking is normally not the same as for telephone or mobile banking. Financial institutions now routinely allocate customers numbers, whether or not customers have indicated an intention to access their online banking facility. Customer numbers are normally not the same as account numbers, because a number of customer accounts can be linked to the one customer number. Technically, the customer number can be linked to any account with the financial institution that the customer controls, though the financial institution may limit the range of accounts that may be accessed to, say, cheque, savings, loan, credit card and similar accounts.
The customer visits the financial institution’s secure website, and enters the online banking facility using the customer number and credentials previously set up.
Each financial institution can determine the types of financial transactions which a customer may transact through online banking, but usually includes obtaining account balances, a list of recent transactions, electronic bill payments, financing loans and funds transfers between a customer’s or another’s accounts. Most banks set limits on the amounts that may be transacted, and other restrictions. Most banks also enable customers to download copies of bank statements, which can be printed at the customer’s premises (some banks charge a fee for mailing hard copies of bank statements). Some banks also enable customers to download transactions directly into the customer’s accounting software. The facility may also enable the customer to order a cheque book, statements, report loss of credit cards, stop payment on a cheque, advise change of address and other routine actions.
Features[edit]
Online banking facilities typically have many features and capabilities in common, but also have some that are application specific. The common features fall broadly into several categories:
A bank customer can perform non-transactional tasks through online banking, including:
Viewing account balances
Viewing recent transactions
Downloading bank statements, for example in PDF format
Viewing images of paid cheques
Ordering cheque books
Download periodic account statements
Downloading applications for M-banking, E-banking etc.
Bank customers can transact banking tasks through online banking, including:
Funds transfers between the customer’s linked accounts
Paying third parties, including bill payments (see, e.g., BPAY) and third party fund transfers (see, e.g., FAST)
Investment purchase or sale
Loan applications and transactions, such as repayments of enrollments
Credit card applications
Register utility billers and make bill payments
Financial institution administration
Management of multiple users having varying levels of authority
Transaction approval process
Some financial institutions offer special internet banking services, for example:
Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
Security[edit]
Five security token devices for online banking
Security of a customer’s financial information is very important, without which online banking could not operate. Similarly the reputational risks to banks themselves are important.[19] Financial institutions have set up various security processes to reduce the risk of unauthorized online access to a customer’s records, but there is no consistency to the various approaches adopted.
The use of a secure website has been almost universally embraced.
Though single password authentication is still in use, it by itself is not considered secure enough for online banking in some countries. Basically there are two different security methods in use for online banking:
The PIN/TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions. TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter. Another way of using TANs is to generate them by need using a security token. These token generated TANs depend on the time and a unique secret, stored in the security token (two-factor authentication or 2FA).
More advanced TAN generators (chipTAN) also include the transaction data into the TAN generation process after displaying it on their own screen to allow the user to discover man-in-the-middle attacks carried out by Trojans trying to secretly manipulate the transaction data in the background of the PC.[23] Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user’s (GSM) mobile phone via SMS. The SMS text usually quotes the transaction amount and details, the TAN is only valid for a short period of time. Especially in Germany, Austria and the Netherlands many banks have adopted this “SMS TAN” service.[24] There is also “PhotoTAN” service, where the bank generates and sends a QR code image to a smartphone device of the online banking user.[25] Usually online banking with PIN/TAN is done via a web browser using SSL secured connections, so that there is no additional encryption needed.[26]
Signature based online banking where all transactions are signed and encrypted digitally. The Keys for the signature generation and encryption can be stored on smartcards or any memory medium, depending on the concrete implementation (see, e.g., the Spanish ID card DNI electrónico[27]).
Attacks[edit]
Attacks on online banking used today are based on deceiving the user to steal login data and valid TANs. Two well known examples for those attacks are phishing and pharming. Cross-site scripting and keylogger/Trojan horses can also be used to steal login information.
A method to attack signature based online banking methods is to manipulate the used software in a way, that correct transactions are shown on the screen and faked transactions are signed in the background.
A 2008 U.S. Federal Deposit Insurance Corporation Technology Incident Report, compiled from suspicious activity reports banks file quarterly, lists 536 cases of computer intrusion, with an average loss per incident of $30,000. That adds up to a nearly $16-million loss in the second quarter of 2007. Computer intrusions increased by 150 percent between the first quarter of 2007 and the second. In 80 percent of the cases, the source of the intrusion is unknown but it occurred during online banking, the report states.[28]
In the UK, losses from online banking fraud rose by 48% in 2014 compared with 2013.[29] According to a study by a group of Cambridge University cybersecurity researchers in 2017, online banking fraud has doubled since 2011.[30]
Another kind of attack is the so-called man-in-the-browser attack, a variation of the man-in-the-middle attack where a Trojan horse permits a remote attacker to secretly modify the destination account number and also the amount in the web browser.
As a reaction to advanced security processes allowing the user to cross-check the transaction data on a secure device there are also combined attacks using malware and social engineering to persuade the user himself to transfer money to the fraudsters on the ground of false claims (like the claim the bank would require a “test transfer” or the claim a company had falsely transferred money to the user’s account and he should “send it back”).[31][32] Users should therefore never perform bank transfers they have not initiated themselves.
Countermeasures[edit]
There exist several countermeasures which try to avoid attacks.
Whatever operating system is used[33], it is advised that the operating system is still supported, and properly patched.[34]
Digital certificates are used against phishing and pharming, in signature based online banking variants (HBCI/FinTS) the use of “Secoder” card readers is a measurement to uncover software side manipulations of the transaction data.[35]
In 2001, the U.S. Federal Financial Institutions Examination Council issued guidance for multifactor authentication (MFA) and then required to be in place by the end of 2006.[36]
In 2012, the European Union Agency for Network and Information Security advised all banks to consider the PC systems of their users being infected by malware by default and therefore use security processes where the user can cross-check the transaction data against manipulations like for example (provided the security of the mobile phone holds up) SMS TAN where the transaction data is sent along with the TAN number or standalone smartcard readers with an own screen including the transaction data into the TAN generation process while displaying it beforehand to the user (see chipTAN) to counter man-in-the-middle attacks.[37]
See also[edit]
.mw-parser-output .portal{border:solid #aaa 1px;padding:0}.mw-parser-output .portal.tleft{margin:0.5em 1em 0.5em 0}.mw-parser-output .portal.tright{margin:0.5em 0 0.5em 1em}.mw-parser-output .portal>ul{display:table;box-sizing:border-box;padding:0.1em;max-width:175px;background:#f9f9f9;font-size:85%;line-height:110%;font-style:italic;font-weight:bold}.mw-parser-output .portal>ul>li{display:table-row}.mw-parser-output .portal>ul>li>span:first-child{display:table-cell;padding:0.2em;vertical-align:middle;text-align:center}.mw-parser-output .portal>ul>li>span:last-child{display:table-cell;padding:0.2em 0.2em 0.2em 0.3em;vertical-align:middle}
Banks portal
Contactless payment
Current account
Direct bank
Digital currency
Enhanced Telephone (Citibank product circa 1990)
Free and open source software
Guide to E-payments
Mobile banking
On-line and off-line
Open banking
SMS banking
Single sign-on
Telephone banking
References[edit]
^ a b Sparks, Evan (26 June 2017). “Nine Young Bankers Who Changed America: Thomas Sudman”. ABA Banking Journal. Retrieved 12 March 2019..mw-parser-output cite.citation{font-style:inherit}.mw-parser-output .citation q{quotes:”””””””‘””‘”}.mw-parser-output .id-lock-free a,.mw-parser-output .citation .cs1-lock-free a{background:url(“//upload.wikimedia.org/wikipedia/commons/thumb/6/65/Lock-green.svg/9px-Lock-green.svg.png”)no-repeat;background-position:right .1em center}.mw-parser-output .id-lock-limited a,.mw-parser-output .id-lock-registration a,.mw-parser-output .citation .cs1-lock-limited a,.mw-parser-output .citation .cs1-lock-registration a{background:url(“//upload.wikimedia.org/wikipedia/commons/thumb/d/d6/Lock-gray-alt-2.svg/9px-Lock-gray-alt-2.svg.png”)no-repeat;background-position:right .1em center}.mw-parser-output .id-lock-subscription a,.mw-parser-output .citation .cs1-lock-subscription a{background:url(“//upload.wikimedia.org/wikipedia/commons/thumb/a/aa/Lock-red-alt-2.svg/9px-Lock-red-alt-2.svg.png”)no-repeat;background-position:right .1em center}.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registration{color:#555}.mw-parser-output .cs1-subscription span,.mw-parser-output .cs1-registration span{border-bottom:1px dotted;cursor:help}.mw-parser-output .cs1-ws-icon a{background:url(“//upload.wikimedia.org/wikipedia/commons/thumb/4/4c/Wikisource-logo.svg/12px-Wikisource-logo.svg.png”)no-repeat;background-position:right .1em center}.mw-parser-output code.cs1-code{color:inherit;background:inherit;border:inherit;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;font-size:100%}.mw-parser-output .cs1-visible-error{font-size:100%}.mw-parser-output .cs1-maint{display:none;color:#33aa33;margin-left:0.3em}.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registration,.mw-parser-output .cs1-format{font-size:95%}.mw-parser-output .cs1-kern-left,.mw-parser-output .cs1-kern-wl-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right,.mw-parser-output .cs1-kern-wl-right{padding-right:0.2em}
^ Cronin, Mary J. (1997). Banking and Finance on the Internet, John Wiley and Sons. ISBN 0-471-29219-2 page 41 from Cronin, Mary J. (1998). Banking and Finance on the Internet. ISBN 9780471292197. Retrieved 2008-07-10.
^ “The Home Banking Dilemma”. Retrieved 2008-07-10.
^ “Computer Giants Giving a Major Boost to Increased Use of Corporate Videotex”. Communications News. 1584. Retrieved 2008-07-10.
^ “Information Technology And The Banking Industry”. 2014-09-24. Retrieved 2019-11-30.
^ “History – About us – OP Group”.
^ a b Veeraghanta, Murthy; Corporation, CEO of VSoft (2017-11-08). “Is Your Digital Banking Vendor Hurting Adoption Rates?”. The Financial Brand. Retrieved 2019-12-09.
^ Rishi, Om Prakash (2017). Maximizing Business Performance and Efficiency Through Intelligent Systems. IGI Global. p. 169. ISBN 9781522522348.
^ Prendergast, Gerald Paul Joseph (1992). Human interaction in service delivery and its relationship to disenchantment discontinuance in the diffusion of self-service technologies: a case study in retail banking (PDF) (PhD). Massey University. p. 121.
^ a b c d “British Move Fast in Home Banking”. New York Times. 2 January 1984. p. 39.
^ “Electronic Funds Transfer Act of 1978”
^ “Le minitel, l’arrivée de la banque à domicile”.
^ a b c “New banking services for personal customers (銀行等の個人向け新サービス)” (PDF). National Consumer Affairs Center of Japan. 2000-10-05. Retrieved 2019-03-20.
^ PYMNTS (2015-01-20). “China’s First Online Bank Finally Launches”. PYMNTS.com. Retrieved 2019-09-12.
^ “Westpac Group celebrates 20 years of Internet banking”. ARN. Retrieved 2019-09-23.
^ “ICICI bank completes 20 years of digital banking”. ICICI-Bank. Retrieved 2020-02-23.
^ Mari, Angelica. “Brazil’s first online bank ramps up innovation”. ZDNet. Retrieved 2019-11-24.
^ Werani, Thomas (2006), “Business-to-Business-Marketing”, Praxisorientiertes Business-to-Business-Marketing, Gabler, pp. 3–13, doi:10.1007/978-3-8349-9287-1_1, ISBN 978-3-8349-0346-4
^ a b Abdou, Hussein, English, John and Adewunmi, Paul An investigation of risk management practices in electronic banking: the case of the UK banks eprints.hud.ac.uk, University of Huddersfield, July 22, 2014 (PDF; 474 kB)
^ “U.S. digital banking usage 2022”. Statista. Retrieved 2019-12-05.
^ “EU: Online banking penetration by country”. Statista. Retrieved 2019-12-06.
^ “Capitalizing on Asia’s digital-banking boom”. McKinsey & Company. March 2015. Retrieved 2019-12-09.
^ chipTAN (Sicherungsverfahren im Online-Banking) sparkasse-koelnbonn.de, Sparkasse KölnBonn (AöR), Retrieved on April 10, 2014.
^ “THE PRAGMATIC REVIEW ON INTERNET BANKING AND ASSOCIATED SERVICES IN INDIA” (PDF). International Journal of Computing and Corporate Research. 4 July 2014.
^ “What is TAN (transaction authentication number)? – Definition from WhatIs.com”. SearchSecurity. Retrieved 2019-12-05.
^ “Online Banking Security”. https://bit.ly/2VbnxBK. Retrieved 2019-09-12.
^ DNI electrónico de España/Spanish ID-card
^ Security Flaws in Online Banking Sites Found to be Widespread Newswise, Retrieved on July 23, 2008.
^ Peachey, Kevin (2015-03-27). “Online banking fraud ‘up by 48%'”. Retrieved 2019-12-08.
^ “Online banking fraud has doubled since 2011”. computing. 2019-05-31. Retrieved 2019-12-08.
^ Tatanga Attack Exposes chipTAN Weaknesses trusteer.com, September 4, 2012
^ Trojaner gaukelt Fehlüberweisung vor Heise Security, June 1, 2013
^ Online banking with the most secure endpoint
^ Microsoft ends Windows 7 support: What should you do?
^ Secoder 2.0-SStarMoney Archived 2015-11-18 at the Wayback Machine starmoney.de, Star Finanz-Software Entwicklung und Vertriebs GmbH, Retrieved on November 18, 2015.
^ “OCC 2005–35” (PDF). Archived from the original (PDF) on 2007-10-11. Retrieved 2007-11-01.
^ “High Roller” online bank robberies reveal security gaps European Union Agency for Network and Information Security, July 5, 2012
External links[edit]
Gandy, T. (1995): “Banking in e-space”, The banker, 145 (838), pp. 74–76.
Tan, M.; Teo, T. S. (2000): “Factors influencing the adoption of Internet banking”, Journal of the Association for Information Systems, 1 (5), pp. 1–42.
source http://wikimakemoney.com/2020/04/15/online-banking/
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isharkseo · 3 years
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Choosing The Best Web Design Company
Successfully transforming instructions from a successful idea into an iOS-based program using the right language is one of the essential steps in the process of creating a mobile app.
Except for a basic case, you must be an ace of object-oriented programming or attend intensive and varied courses on mobile development to be able to develop your own creation, but if you lack of time, experience or resources, it is better to recruit a web design company in Sydney.
What are the Prerequisites for Starting a Search for a Designer?
Before you can recruit an application developer for Android or iOS, several questions must be answered to better orient your search:
What Kind of Applications are you looking to Develop?
Whether you are developing an application for your enjoyment, for the general public or for a private structure, you must clearly specify the target of your work, the confidentiality of your project and even the functionalities it will have to ensure.
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You Must Also Specify the Nature of Your Program: You should be clear about whether it will be natively designed specifically for the iPhone or should it be Android compatible. Also, you should specify to the App developer Sydney if the app should come with a web connotation for website consultation or hybrid coded on multiple platforms mixing multiple programming languages.
Which Application Designer Profile Best Fits Your Needs?
Depending on the purpose of your application, you need to build the technical profile of your future application designer. For example:
If you are looking to create a native program, an Objective-C or Swift language expert will do the trick.
If you plan to create a mobile game, your designer will need other skills such as Unity programming.
What do you expect from your future designer?
What kind of business are you? Who are your clients? Are you looking for a technical associate? Do you advocate long-term collaboration? Are you hiring internally? Would it be profitable to turn to a freelancer or an agency?
Why do you have to look for a designer located in Australia?
If you live in the capital or its suburbs, the proximity will allow you to better follow the realization of your application. Also, the city includes a number of service providers and you need to select the best web design agency in Sydney.
Should You Entrust Your Creation To An Agency?
When it comes to a simple mobile development, an independent designer will make you happy. But, if your application is more complicated for various platforms or requires a lot of design, programming and monetization skills, assigning your project to an agency is better.
The increasing use of the App developer Sydney companies in the larger IT world is giving air to a new growth in the IT market now. If you want to design your own mobile app and looking for app development services then only prefer Small Biz Web Design for effective solutions.
In the process of web designing and App development in Sydney Small Biz Web Design has garnered huge support and that is what makes the entire part a perfect success. If you need help with mobile app development then contact it anytime.
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vsplusonline · 4 years
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Man City vs Arsenal match postponed after coronavirus contact
New Post has been published on https://apzweb.com/man-city-vs-arsenal-match-postponed-after-coronavirus-contact/
Man City vs Arsenal match postponed after coronavirus contact
Manchester City’s Premier League home match against Arsenal on Wednesday has been postponed because players from the London club have had contact with the owner of Greek side Olympiakos Piraeus, who has contracted the coronavirus.
A number of players from Arsenal’s squad had met Evangelos Marinakis following their Europa League round of 32 meeting in London on Feb. 27.
Marinakis, who also owns English Championship (second tier) side Nottingham Forest, said on Tuesday he had contracted the coronavirus.
Globally, more than 116,000 people have been infected by the coronavirus and over 4,000 have died, according to a Reuters tally of government announcements.
“Manchester City’s Premier League fixture at home to Arsenal has been postponed,” City said in a statement.
“The decision to postpone tonight’s game has been taken as a precautionary measure on medical advice, after it emerged that personnel from Arsenal FC have come into contact with the Olympiacos owner, Evangelos Marinakis, who has been named as a positive case of COVID-19.”
Arsenal said the risk to their players was “extremely low” but they would follow medical guidelines.
“The medical advice we have received puts the risk of them developing COVID-19 at extremely low,” Arsenal said in a statement.
“However, we are strictly following government guidelines which recommend that anyone coming into close contact with someone with the virus should self-isolate at home for 14 days from the last time they had contact. The players will remain at their homes until the 14-day period expires. Four Arsenal staff, who were sitting close to Mr Marinakis during the match will also remain at home until the 14 days are complete,” the club said.
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csrgood · 4 years
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IWBI Welcomes New Organizations to Its Growing Membership Program
The International WELL Building Institute (IWBI) is pleased to announce the continued growth of its membership program. The most recent members to join the growing global network of product manufacturers, research institutes, real estate developers and many more diverse organizations are united in the mission to build a healthier future.
“IWBI membership serves as a dynamic platform for collaboration that fosters deeper engagement with the WELL movement,” said IWBI Chairman and CEO Rick Fedrizzi. “As aligned members, these committed leaders are playing a critical role in working toward global transformation.”
There are two tiers of membership and a third designation for companies already enrolled in the WELL Portfolio program. This allows companies to select the best fit for their organizational goals. Member benefits include discounts on the WELL Certification process and WELL AP credentialing program, specialized opportunities to publicize accomplishments, and more touchpoints with IWBI leadership and across the broader community through members-only year-round events and enhanced digital engagement. The program creates pathways for WELL advocates and champions to stay connected, share best practices, explore new shared initiatives and receive greater recognition for these efforts.
The continued growth of IWBI membership parallels WELL’s rapid uptake across the globe as the tool of choice for leaders who value the verified performance of design and operations when the health and well-being of people is at stake. To date, over 3,900 projects with more than 475 million square feet of registered space are participating in WELL in 58 countries. Much of WELL’s success is driven by a global network of WELL APs – nearly 10,000 people are either credentialed or in the process – that helps provide expertise and guidance to project teams across the world.
New members since Sept. 9, 2019:
75F
Allied Sustainability and Environmental Consultants Group Limited
Atelier Ten
BIAXIS NEO Co., Ltd.
Billi
CANATURE HEALTH TECHNOLOGY GROUP CO., LTD.
CCW Design Consulting (Shanghai) Ltd.
City of Austin
Covestro Polymers (China) Co., Ltd. 
Delta Electronics Inc.
Dyson
Flad Architects
G-ON
Greenjump Sustainability Co., Ltd
Novalis Innovative Flooring
Perkins and Will
Shanghai Teammax Furniture Co., Ltd
Shenzhen Yuezhong Green Building Sci - Tech Development Co., Ltd.
Urban Green Council
WELLTHY Health Design & Technology Ltd
YT Resolution Services, LLC
  These members join IWBI’s existing membership community, including:
A SustainAble Production (ASAP)
AIR AURORA AIR PURIFICATION TECHNOLOGY(SHANGHAI)CO.,LTD.
Aircuity Inc.
AM RED
Ambius
Armstrong Flooring, Inc.
ArthaLand Corporation
Arup
ASSA ABLOY
Athie Wohnrath
Atkins
BCCI Construction Company
BEE Incorporations
Beijing DIHE Construction Engineering Design Co.,Ltd.
Beijing Tenhong Real Estate Development Co., Ltd
Better Home
C.Y. LEE & PARTNERS Architects / Planners
CBRE Group
China Academy of Building Research Shanghai Branch
China Jinmao Green Building Co. Ltd
CHINA OVERSEAS OFFICE CAPITAL中海商务
China Railway Construction Real Estate Group Co., Ltd
China Resources (Shenzhen) Co., Ltd
Contract Workplaces
COOKFOX Architects, DPC
Corgan
CRECC
Cushman & Wakefield
D Squared Consulting Pty Ltd
Das Daring Energy Technology Co., Ltd
DEERNS
DGMR Bouw BV
Earth Friendly Products
EASTLINKS SHANGHAI ENVIRONMENTAL TECHNOLOGY CO.,LTD (LELANTUS)
EBA Investments
Ecoworks Studio
EDGE Technologies
Enel
Enriching Spaces
Environmental Market Solutions, Inc.
GB Tech Consulting Ltd.
GuocoLand (China) Limited
HB Reavis
Hines
HKS, Inc.
HOK
HUNDRED GROUP CO., LTD.
HVAC Services Pte. Ltd.
I.DEA Ecological Solutions
iDA Workplace + Strategy
JLL
Kaiterra
Knight Frank (India) Pvt. Ltd.
KRIEA C.I (Korea Research Institute of Eco-Environmental Architecture)
LANDLEAF
Legrand
Lendlease Corporation
M Moser Associates
Material Circle
Mecho
Merriman Anderson/Architects, Inc.
Mi2
Milliken
Minmetals Land
Mohawk Industries
Overbury
Poly Development Holding Group Co., Ltd.
PRILIKA
PRILIKA
RDG Planning and Design
Research Center for Healthy Cities, Institute for China Sustainable Urbanization, Tsinghua University
Robarts Spaces
Rockfon
Ronald Lu & Partners
SaShuang Intelligent Technology (shanghai) Co., Ltd
Shanghai Research Institute of Building Sciences (SRIBS)
SHENZHEN CENTRALCON GROUP CO., LTD.
Shenzhen Institute of Building Research Co., Ltd.
Shenzhen Junye Building Technology Co., Ltd.
Shenzhen Lemajorservice Technology Co., Ltd
Shenzhen Nottingham Sustainable Development Institute Ltd.
SHIMIZU CORPORATION
Sino-Ocean Group Holding Limited
Skanska
SOCOTEC Immobilier Durable
Stantec
Steve Leung Designers Limited
Steven Winter Associates Inc
Structure Tone Organization
Sweden Green Building Council
Taiwan Architecture & Building Center
Tatami
Teknion
Tellmach (Beijing) Engineering Consulting Co., LTD
Tetra Tech High Performance Buildings Group
The Green Engineer
The Spinnaker Group
Well Living Lab (China)
Well Living Lab (US)
YAMA Desarrolladora Inmobiliaria
“We look forward to this next chapter of sustaining and energizing a movement and welcome all organizations to join us in this ‘second wave’ of sustainability,” Fedrizzi said.
About the International WELL Building Institute The International WELL Building Institute (IWBI) is leading the global movement to transform our buildings and communities in ways that help people thrive. The WELL v2 pilot is the latest version of its popular WELL Building Standard, and the WELL Community Standard pilot is a district scale rating system that sets a new global benchmark for healthy communities. WELL is focused exclusively on the ways that buildings and communities, and everything in them, can improve our comfort, drive better choices, and generally enhance, not compromise, our health and wellness. IWBI convenes and mobilizes the wellness community through management of the WELL AP credential, the pursuit of applicable research, the development of educational resources, and advocacy for policies that promote health and wellness everywhere. IWBI is a participant of the United Nations Global Compact, the world’s largest corporate citizenship initiative, and helps companies advance the UN Sustainable Development Goals (SDGs) through the use of WELL. More information about membership can be found at https://www.wellcertified.com/membership/
International WELL Building Institute, IWBI, the WELL Building Standard, WELL v2, WELL Certified, WELL AP, WELL, The WELL Conference, We Are WELL, the WELL Community Standard and others, and their related logos are trademarks or certification marks of International WELL Building Institute pbc in the United States and other countries.
source: https://www.csrwire.com/press_releases/43326-IWBI-Welcomes-New-Organizations-to-Its-Growing-Membership-Program?tracking_source=rss
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olliejonesdeveloper · 5 years
Link
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News round-up: ‘Universities battle over a shrinking pool of applicants’: the number of students applying to university drops again
A rise in unconditional offers and arguments over student loans have dominated the higher education new in the past month
  Call to rethink China branch campuses over academic freedom risks
Times Higher Education, 02/08/2018, Ellie Bothwell
Western universities have been told to rethink their collaborations in China in the wake of the latest attacks on academic freedom in the country.
In one of the most recent cases, an academic was removed from the management board of the University of Nottingham’s Ningbo campus for criticising the ruling Communist Party’s policies on freedom of thought.
  Only most research-intensive UK universities ‘cover full costs’
Times Higher Education, 01/08/2018, Simon Baker
Only the most research-intensive universities in the UK tend to “break even” and recover the full costs of all their research and teaching activity, new figures have suggested.
According to data released for the first time by the Office for Students, such institutions make the biggest surpluses from teaching international students and lose the least money from conducting research.
  More medicine places in clearing as providers battle for students
Times Higher Education, 01/08/2018, Anna McKie
Growing numbers of places in UK medical schools are expected to be filled via clearing this year, as universities battle over a shrinking pool of applicants.
Ahead of the release of A-level results on 16 August, sector leaders predicted that clearing will be more competitive than ever this year, driven by a 2 per cent drop in applications. Much of the decline is driven by the shrinking of the 18-year-old population, which has decreased by 2.3 per cent in England.
  Education secretary: elite universities must improve access
The Guardian, 31/07/2018, Nadia Khomami
Elite universities are not instinctively biased against disadvantaged children but must do more to improve access, the UK’s education secretary has said.
In his first major speech on social mobility, Damian Hinds said there was a “very legitimate public interest” to ensure attempts to encourage children to attend the top higher education institutions reach “deep into the country” and to every group.
  UK student satisfaction continues to fall amid debt and strikes
The Guardian, 27/07/2018, Richard Adams
Concerns over graduate debt and strikes on many campuses may have dented students’ satisfaction with their courses, according to the results of a national survey, with students at some of London’s most prestigious institutions among the most unhappy.
  Rise in unconditional offers prompts call for university admissions overhaul
The Guardian, 26/07/2018, Richard Adams
The number of students receiving unconditional offers for university places has leapt again this year, prompting calls for an overhaul of the UK’s convoluted and unreliable university admissions process.
Ucas figures show that nearly one in four 18-year-olds applying from England, Wales and Northern Ireland have received an unconditional offer – meaning they can accept an undergraduate place without meeting the A-level or BTech grades predicted by their teachers.
  Student loan repayment income ‘undervalued by £600m’
The Guardian, 20/07/2018, Richard Adams
A clash between the Department for Education and the Treasury over how to value the government’s student loans portfolio may have led to more than £600m in income from future loan repayments being overlooked, the National Audit Office (NAO) has warned.
The watchdog also advised that the government should take ‘a comprehensive view’ and carefully consider the potential impact on the government’s finances of future loan sales.
Examining last year’s sale of a tranche of loans to 400,000 students, the NAO was highly critical of the Treasury’s calculations and their differences over likely repayment rates from the DfE’s forecasts.
  See also:
Student loan sale cost UK £604m in lost revenues, auditor finds
Financial Times, 20/07/2018, Gavin Jackson
  Student loan change may wreck Brexit ‘war chest’
The Times, 18/07/2018, Philip Aldrick
Changes in the accounting treatment of student loans could cost the chancellor his £15 billion Brexit war chest and leave his fiscal rules in tatters. The Office for National Statistics and the European statistical authorities are reviewing the way that the government accounts for the student loan book, which is on track to hit £20 billion by 2023, amid concerns that the present convention is a ‘fiscal illusion’ that is creating ‘perverse incentives’.
A decision by Eurostat is expected shortly on whether a different treatment should be applied. According to the Office for Budget Responsibility, a preferred option would to increase the deficit by £15 billion, ‘roughly equal to the margin by which the chancellor was meeting his fiscal target in our most recent forecast’.
  Red Box: Brexit must not endanger the soft power projected by universities
The Times, 18/07/2018, Nicola Brewer
Comment piece about Brexit, universities and the UK’s ability to exercise soft power after Brexit: ‘It is true that soft power works best when it comes from a place of economic strength. And higher education is a massively successful UK services export: international students alone bring a net benefit of over £20 billion a year into the British economy. […]Worldwide, there are many hundreds of thousands of alumni from British universities — 250,000 of them from UCL alone, and growing every year. These alumni develop a special relationship with our nation that they take home with them. It is impossible to put a price tag on the value of this exchange of knowledge, expertise, values and culture.’
  More than 10% of students ‘use their bodies’ to pay for university fees when facing emergency costs, study claims
The Independent, 18/07/2018, Olivia Petter
A new study of 3,167 students in the UK has revealed that 78 per cent are struggling to get by, with some even turning to sex work to make ends meet. According to data from the National Student Money Survey, conducted by money advice site Save the Student, more than one in 10 students are “using their bodies” to make money when they are unexpectedly caught short of funds.
  Martin Lewis: England must swap ‘loans’ for graduate contribution
Times Higher Education, 18/07/2018, John Morgan
Consumer finance expert Martin Lewis has long argued that dropping the terminology of ‘student loans’ in favour of ‘graduate contributions’ would be a crucial change to England’s student finance system.
The Westminster government’s review of post-18 education is expected to report in the autumn, and dropping the terminology of ‘loans’ is certain to be on its agenda. Mr Lewis’ passionate views on this and other aspects of student finance could prove significant. ‘If we’re going to fix things, the first thing we need to do is actually call [the student loan] what it is: a graduate contribution,’ Mr Lewis argued. He added: ‘Most of the questions [from the public] I still get are, ‘I’m so worried about this loan; what happens if my child doesn’t get a high-earning job?’ You would never get asked that question if you called it a graduate contribution system.’
  UK government ‘will call out monoculture tendency on campus’
Times Higher Education, 17/07/2018, John Morgan
The Westminster government is ‘committed to calling out [a] tendency towards a “monoculture” on campus’ and claims that some people feel ‘unsafe or threatened if they speak out’ in universities. The government made the comments in its response to the Joint Committee on Human Rights’ report into freedom of speech in universities.
Sam Gyimah, the universities minister, has consistently seized on the issue of free speech in universities, a popular topic for newspapers such as the Daily Mail and the Daily Telegraph. The government had already announced plans to simplify existing guidance around free speech for universities and students’ unions after Mr Gyimah hosted a meeting with organisations including Universities UK, the National Union of Students and the Equalities and Human Rights Commission. That new guidance will be published in the autumn, the government says.
  Scale of research misconduct is unknown because of poor reporting by universities, say MPs
British Medical Journal, 10/07/2018, Gareth Iacobucci
A quarter of UK universities are failing to produce an annual report on research integrity, a parliamentary inquiry has found.
The report by the Commons Science and Technology Committee identified a “lack of consistent transparency” in reporting data on the number of misconduct investigations, and inconsistency in the way the information is recorded.
These failings have made it difficult to calculate the scale of research misconduct in the UK, it concluded.
The report examined what is known about problems arising from errors, questionable practices, and fraud in research, and what action is needed to make sure that problems are handled appropriately.
  Tens of thousands of graduates have overpaid their student loan by an average £581
Daily Telegraph, 10/07/2018, Sam Meadows
Tens of thousands of graduates have made student loan repayments worth £50m despite having already paid off their entire debt.
Figures released in response to a Freedom of Information request reveal that 85,720 former students made overpayments totalling £49.8m in 2016-17, the latest year for which records are available.
The problem stems from crossed wires between the taxman and the Student Loans Company (SLC), which manages student debt. Although HM Revenue & Customs receives repayment information on a monthly basis, it only passes this on to the SLC once a
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Ju Row Farr
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Blast Theory Artist.
Ju Row Farr is one of the founder members of Blast Theory. She trained to be a dancer until she was 20, then went to Canterbury College of Art to do a BTEC and Goldsmiths to do a degree in fine art and textiles.
She has taught and mentored extensively around the work of the Blast Theory, most notably a module in devising at De Montfort University, Leicester and mentoring artists in Australia and the UK. In 2000 she was one of seven live artists involved in the Legacy Project – based at Arnolfini and Prema.  In 2001 she received a Live Art Development Agency bursary for professional development. During the same year, she was commissioned by the Robert Pacitti Company to make Ease a short video work. In 2006 she took part in a creative cross-disciplinary lab called Concepting Pervasive Multi-User Applications organized by Sagasnet.
Ju Row Farr has sat on panels including for the Combined Arts Fund at Arts Council England and Shooting Live Artists.
Blast Theory.
The group was founded in 1991 by Matt Adams, Niki Jewett, Will Kittow and Ju Row Farr. The group is currently led by Matt Adams, Ju Row Farr, and Nick Tandavanitj. Other members include the filmmaker John Hardwick and performer Jamie Iddon. Over its history, Blast Theory's work has explored interactivity and the social and political aspects of technology through a multitude of forms – using performance, installation, video, mobile and online technologies.
Currently based at their studios in Portslade, Blast Theory tours nationally and internationally, working with a number of Associate Artists on different projects. The group has collaborated with The University of Nottingham's Mixed Reality Lab since 1998. Works created collaboratively with the MRL include Desert Rain (1999), Can You See Me Now? (2001) and Rider Spoke (2007). Blast Theory's work has been shown at NTT InterCommunication Center (ICC) in Tokyo, the Chicago Museum of Contemporary Art, Sydney Biennale, National Museum in Taiwan, Hebbel Theater in Berlin, Basel Art Fair, Dutch Electronic Arts Festival, Sónar Festival in Barcelona, and Palestine International Video Festival. Recent commissions include You Get Me (2008) at the Royal Opera House, Covent Garden, for Deloitte Ignite '08, and Ulrike and Eamon Compliant (2009) for the De La Warr Pavilion at the 53rd Venice Biennale.
In 2015 the group launched Karen, an app that psychologically profiles the user.
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