EasyPaisa: Easypaisa was launched in 2009 by Tameer Micro Finance Bank and Telenor Pakistan. After the acquisition of Tameer Bank by Telenor Pakistan, Easypaisa is now a product of Telenor Bank. It was an attempt by Telenor Bank to introduce branchless banking in Pakistan in order to increase financial inclusion in Pakistan.
EasyPaisa’s Position in the Business Portfolio of Telenor Bank
Being Pakistan’s first and largest branchless banking solution, Easypaisa has a competitive edge over its competitors because of which it has become Pakistan’s largest mobile money service in Pakistan and third largest in the world. According to the state bank of Pakistan, Easypaisa enjoys a market share of 46% in the branchless banking sector in Pakistan. Approximately 650,000 transactions are managed on Easypaisa every day by 20 million active customers. Easypaisa can be labelled as a separate strategic business unit (SBU) for Telenor Bank. This SBU is a cash cow for Telenor Bank because of its enormous market share and profitability. Since Easypaisa is a separate business entity for Telenor Bank, it has its own range of products and services for its customers.
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It can be said that this Easypaisa mobile account operates in a similar manner to a commercial bank account. Infact, this account has been the foundation of financial inclusion in Pakistan by offering financial services on the mobile phone. It is very user-friendly and offers services such as Bill Payment, Money Transfer, International Home Transfer, Easy Load, Donations, Money transfer to any Bank Account and other Network Mobile load. Easypaisa account has also included term deposits and credit facilities in its line of products. These services are not just limited to Telenor users. Users of other mobile network can also benefit from the services offered by this Easypaisa account by subscribing to
It is August 4rth, 1892, in Fall River Massachusetts. In a house located on 92nd street, Andrew and Abby Borden are lying dead. Andrew had received 11 strikes to the head with a hatchet and Abby withheld 19. Bridget Sullivan and John Fleet hold evidential facts on the Borden case.
Money Market Account: There is facility for check card with free ATM transaction but there is limit for six withdrawals per month.
The political need of one state is very different from those that occur in another. A statesman from Alaska need not worry about the same problems as a senator in Tennessee. Delegates from Tennessee may also have a varying degree of problems to solve. Tennessee's senators, Lamar Alexander and Bob Corker, have similar and varying views on how the United States of America should run based on the budget, environmental issues, and foreign wars. These two senators complete outstanding services, however, between the two, respectively, Lamar Alexander is the better politician.
of Mike Harris and the PC party a committee was set up by the Minister of
In 1996, President Clinton signed a bill ending welfare as we know it; however, its true demise remains
two years if at least one year has been spent in a work program. States must
Welfare and welfare reform has been a hot topic amongst politicians and their constituents for years. Feeling the pressure brought on by people crying out for welfare reform President Clinton brought about some changes in our welfare system. Prior to President Clinton’s sweeping reforms this is not the first time that the whole idea of welfare has come under fire; former California governor Wilson, was a strong opponent of welfare. It was he, along with many other people, which really were the ones to spark the welfare reform that President Clinton enacted. These people believed that welfare does not solve anything, it is just letting people become reliant on the government; sucking up money and valuable resources that could be spent
Scott and colleagues conducted study in 1965 to further define the toxicity of chloramphenicol, a drug which has clinical advantages as an antibiotic1. Furthermore, Chloramphenicol is known to cause aplastic anemia – a form of bone-marrow depression - which has extended morbidity and high mortality1. From administering various doses of chloramphenicol to middle-aged and elderly men, Scott et Al.’s study1 concluded a dose between 25 to 30 mg. prevents the onset of detrimental side effects of chloramphenicol. Despite Scott et Al.’s contribution to science, the study method would not be considered ethical today by the Tri-Council Policy Statement 2 (TCPS2) guidelines with specific violations pertaining to consent and core principles. Moreover, Scott et Al.’s study shares similarities with the Tuskegee Syphilis Study, emphasizing how guidelines are necessary to prevent history from repeating.
One of the many reasons why America is called “The Land of Opportunity” is because its citizens can move up in socio-economic status through hard work and dedication. However, when U.S. citizens fall on hard times, government-established programs offer financial assistance.
Living in different countries, we always wonder if everyday life routines are the same. Some of these routines, would include education, social life, and most important of all career perspectives. Rules and procedures vary from the different business you apply to however do the different rules and procedures vary from the countries that business thrive from? The purpose of this essay is to describe the differences and similarities from the National Association of Social Workers and the International Federation of Social Workers.
It’s difficult to imagine how some people hold multiple jobs to support themselves or their families and still struggle on day to day basis. The saying the rich get’s richer and poor gets poorer has never been so evident in today’s society. Let’s begin by explaining what poor is? According to (Encarta English Dictionary 2006) poor is explained as someone “lacking money, material possessions, unemployed and insecure”. Poor is also divided into two distinctive groups, the deserving and the undeserving poor (Levine & Rizvi, 2005, p.38). “The deserving poor are poor through no fault of their own but as a result of a disability, loss of employment, and economical change”. “The undeserving poor are poor because of their own interpersonal skills,
As a result, a new service “Tawasul” launched in the market and the reason why the Bank choose it as their competitive advantage because it provide all the differences a competitive advantage should hold and as will it met the banks objectives. As a service that is different “Tawasul” have it all. It is Important to the customer, distinctive as no other bank in the same market provide the same, superior .communicable, pre-emptive as it’s not easy to be cloned, affordable to customers and finally profitable to the Bank.
. Mobile services not only offer a new, convenient channel for existing customers of banks, the technology will also provide access to 3 Bnstrong global unbanked population
Many financial institutions across the world have adapted to the change towards the cashless society by implementing electronic funds transfer via automated teller machines (ATM’s) and of late, the internet. By having a simple plastic card, society could completely eliminate the need for cash. The benefits range from the end user through to the government and the
The change and advancement in technology are a significant factor in the banking business. Technology has led to tremendous improvements in this industry. Since the commencement of this millennium, people have shown great love for their mobile phones (Ozaki 1992). It necessitated the invention of mobile applications (APPs). From the introduction of the mobile banking, APP people rarely go to the banks. All their transactions get done simply by the stroke of a finger. Businesses face a challenge of adapting to changes in the technology sector. Mobile banking either through actual investing or any other means is on the rise.