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Consumers advised to use cheaper banking channels as cost of living soars: As another large fuel hike kicks-in to compound the financial burden on South African households, consumers are advised to consider using efficient and cheaper banking channels to contain costs. Dr Christoph Nieuwoudt, CEO of FNB Consumer says banking has become part of the daily life of the average South African. He says changes in banking […] – MyPE News
Technology specialist, e4, has been named among the top 11 finalists in the Ecobank Fintech Challenge for its new Virtual Identity product. The competition aims to identify innovative solutions that address African-centric issues within the financial services sector. According to a McKinsey Report, Africa’s banking landscape is amongst the most exciting in the world and is the second-fastest-growing and second most profitable of any global region. Andrea Tucker, Research and Development Head, e4, says that the Ecobank Fintech Challenge is necessary in these continuously evolving and competitive times: “It’s time for financial institutions to consider alternative solutions to address the challenges within their environments. The competition is thus an important initiative and one that will assist to further develop Africa as one of the most innovative continents.”
Virtual Identity provides a video-conferencing tool, enabling two people to communicate via a web browser or mobile app for the purposes of completing a virtual KYC process in order to verify a new or existing client’s identity. “This exciting technology assists by providing banks with an opportunity to better service previously under-serviced or geographically remote clients. Bank customers with a smartphone are now able to call their bank to verify their identity as opposed to travelling to the nearest branch to do this in person,” says Tucker.
She says that by collaborating with these start-ups, Ecobank can focus on becoming more engaged with their customers, increasing customer loyalty and making it easier for customers to bank with them: “By being more transparent and open to the challenges that regulatory and compliance requirements place onto their customers, Ecobank will improve its services and the banking life of its customers. This will shape the future of banking in Africa. Banks need to ensure that they ride the wave of innovation and digitisation for the benefit of all Africans. Rapid developments in banking services and financial inclusion are key for accelerating the movement of Africans into the middle class and driving economic growth.”
Filed Under: MyPR Tagged With: Africa's, Banking, Challenges, developed, Locally, targets, Technology
Transaction banking conference for professionals dealing with payments, digital, data and so much more!
Trade Conferences International (TCI) is hosting the Transaction Banking 2018 Southern Africa Conference and Exhibition on 3 – 4 October, at Indaba Hotel. The event will be attended by professionals dealing with Internet of Things, artificial intelligence, payments, cyber security, channel, digital, mobile, data, fraud, distribution, technology and analytics. Attend this event to find out more about how all these affecting aspects are evolving the transactional digital banking environment.
The Transaction Banking 2018 Conference & Exhibition offers the best platform in Southern Africa to network with leading industry players in the transaction banking space; and with more than 150 attendees expected at the event; this is the ideal forum for any organisation dealing with biometrics, artificial intelligence and self-services banking, cyber security, IoT whilst contending with fraud, compliance, payments, data, customer engagement, digital-preparedness, regulation and channel management concerns, will benefit from being present at the transactional banking conference.
TCI is known for organising events that addresses global issues affecting the Southern Africa market. It has successfully hosted more than 300 national events within banking, finance technology and IT industries, featuring top-level decision – makers and industry experts. For 16 years now, TCI is registered and preferred conference organiser for all major banks and financial institutions in Southern Africa.
CASHCLOUD prides itself on being an affordable mobile banking solution, since 2014. A great option for all South Africans, tourists and foreign individuals alike! An easy online application process with self-registration and two account options, CASHCLOUD caters to everyone.
Offering a basic range of transactional services, CASHCLOUD’s vision is to be easily accessible and inclusive. CASHCLOUD’s current services include loans and prepaid purchases, with tailor-made funeral covers, money transfers and savings options in the pipeline.
CASHCLOUD offers a fresh approach to banking accessibility. No paperwork, no queues in branches, no calls on hold, no fuss! Keeping in line with wider connectedness, CASHCLOUD offers multiple channels to communicate on, including WhatsApp, Facebook and Twitter.
This all contributes to make CASHCLOUD a truly mobile solution! It not only allows instant, fast access to all services, but also saves its clients the unnecessary transport costs to and from branches as well airtime costs when dealing with queries over the phone.
CASHCLOUD’s all-new simple, functional and intuitive design offering makes for a great mobile experience and instant way of banking anytime, anywhere.
The CASHCLOUD Mobile App will deliver customers a fast and easy way to set up an account and start banking, without ever having to step into a branch.
The CASHCLOUD Mobile App will be available for download from the Google play store from 10 July, 2018.
Network capacity. Bitcoin has a fundamental problem which has come to light as demand for the currency has increased. This is called the ‘block size’ issue. Each block is currently capped at 1MB in size, limiting the amount of transactions which can be recorded on the ledger. Different developers are struggling to agree on what to increase the block size to, although many solutions have been proposed to solve this problem, such as the lightning network at https://lightning.network/. At times of peak demand, it can be typical to increase your transaction fee to jump the queue for the limited block space. The network capacity solution is being worked on by the bitcoin core developers and the community, although the lightning network solution seems the most likely to be implemented, along with an increase in block size. The advantages and disadvantages of bitcoin will be discussed below: Advantages. Trust less, does not require trust of any one entity or corporation to work. Even the creator himself cannot manipulate it to his own advantage on his own. Cheap to send transactions with no extra charges between countries, money can be sent with ease from one end of the world to another in seconds. Bitcoin debit cards exist to serve as a link between bitcoin and the traditional system, allowing its use even with merchants who do not accept bitcoin directly. Free from the manipulation which plagues the traditional baking system. One easy to use currency that is global. Acceptance gradually increasing. Disadvantages.
Not accepted by the majority of merchants currently, although some major ones support it. Blockchain databases are expensive to secure, the power consumption of the entire bitcoin network is enough to power a small country, although this is well distributed. Has legal issues in some countries, such as Ecuador. Provides an easy way for dishonest entities to move money with limited ability to trace them. The inability to reverse transactions in the event of fraud. The risks of a 51% attack, at http://www.coindesk.com/51-attacks-real-threat-bitcoin/ especially in the case where large mining pools hold a large quantity of the networks mining power, this has been somewhat negated with the opening of many more mining pools. Summary. Bitcoin is a relatively new technology, but is slowly gaining traction due to its ability to be tamper-proof and free from the manipulation which cost average people around the world billions during 2008, while the banks were bailed out. The need to put the power in the hands of the people lead to the creation of bitcoin. In any country with an internet connection, the bitcoin network can be used, the one exception being North Korea which does not allow its citizens access to the public internet. It can send transactions around the world with ease, and the price is slowly becoming more stable as it becomes more accepted in the mainstream. In many places you can buy your coffee with it, you can purchase games on steam with it and in some cases do shopping with it. Using a bitcoin debit card at https://bitconnect.co/bitcoin-news/141/bitcoin-product-of-the-week-bitpays-first-bitcoin-debit-card-raises-the-bar/ can complete the link between it and the traditional system while they both co-exist.
If you want to be a part of helping free people from the control of rich individuals and corporations, want an easy way to move money around the world for business or personal reasons, using bitcoin can assist in this. Bitcoin vs Traditional Banking. Both systems are currently co-existing alongside each other. Both look like they are here to stay for the foreseeable future, although the rise of bitcoin is causing banks to rethink certain areas like transaction fees and how they link between countries, among other things. The banking system is open to manipulation while bitcoin is pretty much tamper proof and allows the control of no one individual or corporation. The chances are the adoption of bitcoin or other decentralized currencies at https://en.wikipedia.org/wiki/List_of_cryptocurrencies will increase due to its ease of use and being tamper proof. The developers and community are working on capacity issues which would when the solutions are implemented and coconscious agreed, solve this hurdle. In poor countries with limited access to the internet or areas without electricity such as many places in rural India for example, there are still hurdles to cross there. Both bitcoin and the traditional banking system will co-exist for the foreseeable future, although bitcoin is potentially the start of the fall of the manipulated banking system and allows a safe place to store savings and cash away from prying eyes, it is easier to conceal a private key than it is to hide funds in bank accounts.
This could protect people in the event of malicious divorce cases, among other things provided no link between the two systems is proven and no laws are broken. In traditional banking your every action can be audited and picked up by governments, for both good and ill. Traditional banks can charge high fees for transactions between countries, while bitcoin can do it for very little cost, anywhere in the world bar North Korea, at the same rate. Use of a decentralized currency like bitcoin has responsibility, due to the lack of chargebacks and the privacy it offers over traditional banking, and loss of private keys or being scammed means no one reimburses you and the coins are lost forever in the event of a private key loss. Only if you are ready for such responsibility should you begin with bitcoin, as the banks do take on many of these responsibilities and reimburse customers usually if they are hacked and funds stolen, etc. Conclusion. Overall, both systems are here to stay for the foreseeable future, although bitcoin has the potential to change commerce, and the financial system as we know it. Both systems have their advantages and disadvantages which have been discussed. Both will co-exist for the foreseeable future for the time being, although the world of finances and commerce has the potential for a revolution in how it operates due to the invention of bitcoin and other currencies derived from it and the blockchain has other uses, such as smart contracts, as used in the Ethereum at https://www.ethereum.org/ platform. Bitcoin is an advance in technology, and potentially one that puts more power in the hands of the people, are they ready for it?