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
In today’s America, with robots on the rise, many people are feeling as if machines are threatening their jobs, and therefore their income, way of life, and basic stability. This is not an unreasonable fear. In 2013, Carl Frey and Michael Osborne with the University of Oxford predicted at as many as half the jobs in the United States could be automated within the next twenty years (Frey and Osborne). Even in the 1930s, economists such as John Maynard Keynes, the creator of Keynesian economics, predicted that technological developments could create economic climate that allows for a 15-hour work week with plenty of free time for the average American worker by the year 2030 (Thompson). The American workforce is shifting towards this prediction
Money Market Account: There is facility for check card with free ATM transaction but there is limit for six withdrawals per month.
of Mike Harris and the PC party a committee was set up by the Minister of
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.
two years if at least one year has been spent in a work program. States must
In 1996, President Clinton signed a bill ending welfare as we know it; however, its true demise remains
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
With both sides presenting interest arguments and tense debates, the issues discussed will bring certain skepticism about whether or not a Universal Basic Income will work. The fast and increasing rise of automation in the work force has forced conversation regarding policies dealing with unemployment. While there are other solutions to dealing with automation such as slowly adapting to automation or to a more radical banning of advanced technology, a Universal Basic Income is one of the more realistic solutions to automaton. Skeptics will argue that creating a Universal Basic Income program will disincentivize work and make people lazy and the economy as a whole will become unproductive and see a period of declination. With Automation set
I was dispatched to address listed reference to check welfare on Mr. Thomas White. When I arrived on the scene, I knocked on the door several times but nobody came to the door. I and Deputy Soult check around the premises and look through the windows but was not able to find or see anyone. I then made contact with Mr. Kim the son of Mr. White and he stated that last time he spoke to his father was yesterday 12/17/17 at 6:15 PM. Mr. Kim stated that he tried calling his father today at the same time but did not answer so he called the neighbor to go check on his father. Mr. Kim stated that the neighbor told him that Mr. White truck was not at the residence. Mr. Kim stated to me that it was not like Mr. White to not be at home at this
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,
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.
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.
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.
. 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
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