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The a","og:title":"Digital Payment","og:description":"<p class=\"MsoNormal\">Mobile First Finance is a cutting-edge digital payment solution that prioritizes convenience and accessibility. With this platform, users can effortlessly manage their finances and make secure transactions using their mobile devices. The a","og:image":"https://old.roi4cio.com/fileadmin/content/Mobile_payment_image_MFF.png"},"eventUrl":"","translationId":6891,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":769,"title":"Payments processing","alias":"payments-processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png"},{"id":771,"title":"P2P transfers","alias":"p2p-transfers","description":" Peer-to-peer transactions (also referred to as person-to-person transactions, P2P transactions, or P2P payments) are electronic money transfers made from one person to another through an intermediary, typically referred to as a P2P payment application. P2P payments can be sent and received via mobile devices or any home computer with access to the Internet, offering a convenient alternative to traditional payment methods.\r\nThrough the P2P payment application, each individual's account is linked to one or more of the user's bank accounts. When a transaction occurs, the account balance in the application records the transaction and either send or pulls money directly to the user's bank account or stores it in the user's account within the application.\r\nSince this concept's inception, many business entities have developed P2P transaction capabilities, increasing the competition in the space and the convenience brought to the consumer. The prevalence of mobile devices has also forced the adaptation of P2P payment applications to become more convenient for users.\r\nP2P payment application functionality varies, but the processes generally follow a similar structure:\r\n<ul><li>First, the user downloads the application and creates an account and links it to a credit card, debit card, or bank account.</li><li>Then the user can create contacts and send payments using another user's email address, phone number, or account handle.</li><li>During a transaction, money is taken out of the user's account within the application and transferred to the receiving user's account. If there is not enough money in the account to complete the transaction, money is taken directly from the user's bank account to finish the transaction.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What are Person-to-Person Payments (P2P)?</span>\r\nPerson-to-person payments (P2P) is an online technology that allows customers to transfer funds from their bank account or credit card to another individual's account via the Internet or mobile phone.\r\n<span style=\"font-weight: bold;\">How Do Person-to-Person Payments (P2P) Work?</span>\r\nThere are two general approaches for initiating a person-to-person payment:\r\nIn the first method, based on the successful Paypal approach, users establish secure accounts with a trusted third-party vendor, designating their bank account or credit card information to be used to transfer and accept funds. Using the third party's website or mobile application, individuals can complete the process of sending or receiving funds. Users are generally identified by their email address and can send funds to anyone who is a member of the network.\r\nIn the second method, customers use an online interface or mobile application (developed by their bank or financial institution) to designate the number of funds to be transferred. The recipient is designated by their email address or phone number. Once the transfer has been initiated by the sender, the recipient then receives a notification to use the online interface to input his or her bank account information and routing number to accept the transfer of funds. In this method, recipients do not need to have an account with the financial institution of the sender in order to receive a money transfer.\r\n<span style=\"font-weight: bold;\">Why Do Person-to-Person Payments (P2P) Matter?</span>\r\nThe increased acceptance of online banking, mobile banking, and e-commerce by consumers has paved the way for greater use of person-to-person payments.\r\nAfter more than a decade of PayPal dominating the market, major banks and credit card companies are finally getting in on the action. This type of capability has long been available in many parts of the world, but major financial institutions in the U.S. have been slow to adopt the technology. It is an important step for banks and credit card companies as commerce evolves beyond the individual-to-merchant relationship to a broader, individual-to-individual exchange.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_P2P_transfers.png"},{"id":773,"title":"Pay-day-loan","alias":"pay-day-loan","description":" A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, &quot;regardless of whether repayment of loans is linked to a borrower's payday.&quot; The loans are also sometimes referred to as &quot;cash advances,&quot; though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.\r\nTo prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders.\r\nPayday loans have been linked to higher default rates.\r\nThe basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower's next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks. Individual companies and franchises have their own underwriting criteria.\r\nIn the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck. The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the check. If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees or an increased interest rate (or both) as a result of the failure to pay.\r\nIn the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The funds are then transferred by direct deposit to the borrower's account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower's next payday.","materialsDescription":" <span style=\"font-weight: bold;\">What is a Payday Loan?</span>\r\nIn the simplest possible terms, a payday loan is a short-term borrowing option. It is typically paid in a lump sum after a period of a few weeks, though installment plans are available. Payday loans are typically given out by private lenders, many of which are based entirely online.\r\n<span style=\"font-weight: bold;\">How do I apply for a Payday Loan?</span>\r\nApplying for a quick payday loan is incredibly simple and not time-consuming at all. In fact, you can submit your application in under an hour. There will be a section on the lender’s website with a series of forms that you’ll be required to fill out in full. It is a very easy and straightforward process. You won’t have to deal with any stacks of paperwork that you’ll need to turn in. It can all be done within the comfort of your own home. This is just one of the reasons why so many people in the UK have fallen in love with these loans.\r\n<span style=\"font-weight: bold;\">Are Payday Loan Interest Rates High?</span>\r\nYou have probably heard that payday loans come with astronomically high-interest rates, but the fact is that they can actually be pretty reasonable. If you want to get the best possible deal on your loan rate, you will have to find the right lender. Take some time to compare quotes from various private lenders until you find a rate that works for your budget. The truth is that while these rates can be high, you don’t have to pay a ridiculous amount if you do the necessary research.\r\n<span style=\"font-weight: bold;\">How Long Will I have to Pay Back my Loan?</span>\r\nThe amount of time that you will have to pay back your payday loan depends on the amount of money you borrow as well as your lender. Larger amounts that exceed £2,000 are usually eligible for installment plans. This means that you will be able to pay back the money you borrow in a series of payments over weeks or even months. Smaller amounts are usually due within two weeks, so you can use your next paycheque to cover it.\r\n<span style=\"font-weight: bold;\">How Much Can I Borrow with a Payday Loan?</span>\r\nOne of the great things about payday loans is that you can borrow smaller and larger amounts. Depending on what your income is like, you could easily borrow several thousand pounds with a single loan. The lender will take a look at your proof of income to determine whether or not you will be able to pay back the money on time. This is one of the biggest deciding factors in whether or not you will be approved.\r\n<span style=\"font-weight: bold;\">Can I get a Payday Loan if I have Bad Credit?</span>\r\nBad credit is actually not typically a problem for payday loan applicants. You shouldn’t have to worry about being turned down for this type of loan based on your credit alone. This is a big part of the reason why these loans are becoming so insanely popular in the UK. If you are having issues with getting approved by your bank, for this reason, a payday loan is an excellent alternative. These days even individuals with stellar credit ratings are applying for payday loans.\r\n<span style=\"font-weight: bold;\">What Can I Use the Money for?</span>\r\nYou will be able to use the money that you get from a payday loan for anything you want. No private lender will ever ask you what the money is for like a bank or credit union might. This gives you the freedom to use it for whatever you need. It is definitely one of the most flexible borrowing options available to consumers right now. You won’t encounter the same frustrating limitations as with loans from traditional financial institutions.\r\nWhen it comes to getting a payday loan, knowledge is most definitely power. Some people are still hesitant to apply for this type of loan because they don’t know enough about them. Don’t let ignorance stop you from taking advantage of an incredible borrowing opportunity. These loans are especially well-suited to those who are in dire financial straits. If you need to borrow money desperately for any reason, this is an option to consider. Payday loans have been of great help to many people in a wide variety of situations over the years. ","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Pay_day_loan.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]},"ibox-bank-p2p-transfer":{"id":5235,"logoURL":"https://old.roi4cio.com/fileadmin/user_upload/ibox_bank_logo.png","logo":true,"scheme":false,"title":"IBOX Bank P2P transfer","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"ibox-bank-p2p-transfer","companyTitle":"IBOX Bank","companyTypes":["supplier"],"companyId":8340,"companyAlias":"aiboks-bank","description":"The popularity of the P2P transfer service is growing every day. It helps not only to transfer money to friends or relatives but also pay for various services in the comfort of your home.\r\nIBOX BANK provides P2P transfer within the shortest possible period. 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It helps not only to transfer money to friends or relatives but also pay for various services in the comfort of your home.\r\nIBOX BANK provides P2P transfer within the shortest possible period. Th","og:image":"https://old.roi4cio.com/fileadmin/user_upload/ibox_bank_logo.png"},"eventUrl":"","translationId":5236,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":767,"title":"Financial services","alias":"financial-services","description":" Companies in the financial services industry are in the business of managing money. Globally, the financial services industry leads the world in terms of earnings and equity market capitalization. Large conglomerates dominate this sector, but it also includes a diverse range of smaller companies.\r\nAccording to the Finance and Development department of the International Monetary Fund (IMF), financial service is best described as the process by which a consumer or business acquires a financial good. For example, a payment system provider is providing a financial service when it is able to accept and transfer funds from a payer to a recipient. This includes accounts that are settled through credit and debit cards, checks and electronic funds transfers.\r\nConsider a financial advisor. The advisor manages assets and offers advice on behalf of a client. The advisor does not directly provide investments or any other product. Instead, the advisor facilitates the movement of funds between savers and the issuers of securities and other instruments. This service is a temporary task rather than a tangible asset.\r\nFinancial goods, on the other hand, are not tasks; they are things. A mortgage loan may seem like a service, but it's actually a product that lasts beyond the initial provision. Stocks, bonds, loans, commodity assets, real estate, and insurance policies are examples of financial goods.","materialsDescription":" <span style=\"font-weight: bold;\">What are Financial services?</span>\r\nFinancial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies, consumer-finance companies, stock brokerages, investment funds, individual managers and some government-sponsored enterprises. Financial services companies are present in all economically developed geographic locations and tend to cluster in local, national, regional and international financial centers such as London, New York City, and Tokyo.\r\n<span style=\"font-weight: bold;\">What are Commercial banking services?</span>\r\nA commercial bank is what is commonly referred to as simply a bank. The term &quot;commercial&quot; is used to distinguish it from an investment bank, a type of financial services entity which instead of lending money directly to a business, helps businesses raise money from other firms in the form of bonds (debt) or stock (equity).\r\n<span style=\"font-weight: bold;\">What is the Investment management?</span>\r\nInvestment management - the term usually given to describe companies that run collective investment funds. It also refers to services provided by others, generally registered with the Securities and Exchange Commission as Registered Investment Advisors. Investment banking financial services focus on creating capital through client investments.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Financial_services__1_.png"},{"id":771,"title":"P2P transfers","alias":"p2p-transfers","description":" Peer-to-peer transactions (also referred to as person-to-person transactions, P2P transactions, or P2P payments) are electronic money transfers made from one person to another through an intermediary, typically referred to as a P2P payment application. P2P payments can be sent and received via mobile devices or any home computer with access to the Internet, offering a convenient alternative to traditional payment methods.\r\nThrough the P2P payment application, each individual's account is linked to one or more of the user's bank accounts. 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The prevalence of mobile devices has also forced the adaptation of P2P payment applications to become more convenient for users.\r\nP2P payment application functionality varies, but the processes generally follow a similar structure:\r\n<ul><li>First, the user downloads the application and creates an account and links it to a credit card, debit card, or bank account.</li><li>Then the user can create contacts and send payments using another user's email address, phone number, or account handle.</li><li>During a transaction, money is taken out of the user's account within the application and transferred to the receiving user's account. If there is not enough money in the account to complete the transaction, money is taken directly from the user's bank account to finish the transaction.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What are Person-to-Person Payments (P2P)?</span>\r\nPerson-to-person payments (P2P) is an online technology that allows customers to transfer funds from their bank account or credit card to another individual's account via the Internet or mobile phone.\r\n<span style=\"font-weight: bold;\">How Do Person-to-Person Payments (P2P) Work?</span>\r\nThere are two general approaches for initiating a person-to-person payment:\r\nIn the first method, based on the successful Paypal approach, users establish secure accounts with a trusted third-party vendor, designating their bank account or credit card information to be used to transfer and accept funds. Using the third party's website or mobile application, individuals can complete the process of sending or receiving funds. Users are generally identified by their email address and can send funds to anyone who is a member of the network.\r\nIn the second method, customers use an online interface or mobile application (developed by their bank or financial institution) to designate the number of funds to be transferred. The recipient is designated by their email address or phone number. Once the transfer has been initiated by the sender, the recipient then receives a notification to use the online interface to input his or her bank account information and routing number to accept the transfer of funds. In this method, recipients do not need to have an account with the financial institution of the sender in order to receive a money transfer.\r\n<span style=\"font-weight: bold;\">Why Do Person-to-Person Payments (P2P) Matter?</span>\r\nThe increased acceptance of online banking, mobile banking, and e-commerce by consumers has paved the way for greater use of person-to-person payments.\r\nAfter more than a decade of PayPal dominating the market, major banks and credit card companies are finally getting in on the action. This type of capability has long been available in many parts of the world, but major financial institutions in the U.S. have been slow to adopt the technology. 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