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TD Bank enters data access agreement with Envestnet Yodlee

Open Banking Expo | Ellie Duncan | Sep 22, 2021

data access - TD Bank enters data access agreement with Envestnet YodleeToronto-headquartered TD Bank and California-based Envestnet|Yodlee have signed a North American data access agreement that means the bank’s customers will be able to connect their financial information to the more than 1,400 third-party applications powered by the Envestnet|Yodlee financial data aggregation platform.

Under the agreement, should a customer request it, TD Bank will transfer the individual’s financial data to Envestnet | Yodlee through APIs, removing the need to share their banking login ID or password.

See:  Lack of open banking framework forcing Canadian consumers to choose between convenience and security, TD exec says

“We know that our customers are interacting with us through digital channels more than ever before and we are focused on helping meet their needs however they choose to bank,” Franklin Garrigues, VP, digital channels at TD added.

TD Bank has become the 13th US bank to sign such a data access agreement with Envestnet|Yodlee.

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NCFA Jan 2018 resize - TD Bank enters data access agreement with Envestnet Yodlee The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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[ Event, Oct 21, 2021]: Alberta Securities Commission Hosts their 5th Annual ASC Connect Conference

ASC | Sep 27, 2021

ASC Connect - [ Event, Oct 21, 2021]:  Alberta Securities Commission Hosts their 5th Annual ASC Connect Conference

ASC Connect includes a full morning (8:00 a.m. to 12:00 p.m.) of informative and interactive panel discussions led by industry experts and senior ASC leaders, in a format you can enjoy from your home or office.

The Alberta Securities Commission’s fifth annual ASC Connect conference will be held virtually on Thursday, October 21, 2021.

See:  ASC and FCAA adopt new prospectus exemption to support small business capital raising

In the past year, Alberta’s capital market was not spared from the significant challenges that impacted communities world wide. Despite these challenges, our market continues to create and leverage opportunities for growth. Join senior ASC leaders and industry experts in a full morning of informative and interactive panel discussions covering the opportunities, trends, and issues affecting Alberta’s capital market in its continued economic recovery.

Register today for this FREE virtual conference and listen to industry experts discuss the critical opportunities and evolving trends affecting Alberta's capital market. This is your chance to gain new insights and perspectives from thought-provoking business leaders.

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NCFA Jan 2018 resize - [ Event, Oct 21, 2021]:  Alberta Securities Commission Hosts their 5th Annual ASC Connect Conference The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Cost-effective way to Boost Customer Satisfaction

Wharton | Sep 20, 2021

5 stars - Cost-effective way to Boost Customer Satisfaction

When customers feel satisfied, they spend more money and are more likely to come back. Happy customers write positive reviews online and share their experiences through word of mouth. But great customer service is also really hard. Shoppers complain that sales associates aren’t listening to them or are just going through the motions.  There is a simple and cost-effective way to fix that, and Wharton marketing professor Jonah Berger has new research that explains how. He found that when sales agents use concrete language, they make customers feel seen, heard, and valued. His paper with co-author Grant Packard, a marketing professor at York University’s Schulich School of Business, is titled “How Concrete Language Shapes Customer Satisfaction.”

Knowledge@Wharton: Did you find that [something as simple as words agents used make customers more satisfied?]?

Berger: We did. We found that a certain type of language improves customer satisfaction. It doesn’t just make people happier, it causes them to be more likely to come back and buy more in the future. This linguistic feature is called “concreteness,” basically how concrete the language is that people use.  Sometimes we speak in a more abstract way, and sometimes we speak in a more concrete way. We found speaking more concretely, using more concrete language in a variety of customer service or sales interactions, can not only make the customer more satisfied, but also make them more likely to buy in the future.

See:

Huawei CFO, U.S. reach agreement to resolve bank fraud charges

Fintechs must ‘sell simplicity’ to carve out competitive advantage

From Investment Hunter to Investor’s Prey

Culture and Diversity Leadership: Tale of Two Doors

Knowledge@Wharton: There has been exponential growth in online shopping, especially in the last 18 months, and online customers are going by the descriptions of the products. Should companies be using more concrete language in how they write these descriptions?

“The idea of something being concrete is you can see it, touch it, or feel it. You can experience it.”

Berger: Certainly. Whether we’re talking about online sales interactions and product descriptions, whether we’re talking about written content online, people are more likely to continue reading because they can understand what’s going on. Even in the “help” pages of a website, more concrete language makes you feel like the page is more helpful because it makes it easier to understand. Concrete language can be a great and relatively easy way to improve customer behavior or consumer behavior on a variety of dimensions.

Knowledge@Wharton: Your research often focuses on the psychological and semantic components of marketing. What are you going to bring us next?

Berger: If we’re talking and I pause for a second, you tend to go, “Uh-huh,” because it’s a natural thing to do. You tend to agree with someone when they’re speaking. It’s the polite thing to do. What we find is that the more the customer service agent pauses in these interactions, the more they give customers an opportunity to assent, to agree, to say, “Uh-huh, yeah, uh-huh.” A lot of research shows that assenting improves liking and interactions, so we find higher customer satisfaction for pauses in social interaction.

“Whether we’re trying to sell something or we’re talking to our spouse, people like being listened to.”

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NCFA Jan 2018 resize - Cost-effective way to Boost Customer Satisfaction The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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The dream of a low-friction financial system is just the beginning

The Economist | Sep 18, 2021

DeFi and Alice in wonderland - The dream of a low-friction financial system is just the beginning

Although the terminology is intimidating (fees are “gas”; the main currency is ether, and title deeds over digital assets are known as NFTs), the basic activities taking place on DeFi are familiar. These include trading on exchanges and issuing loans and taking deposits through self-executing agreements called smart contracts. One yardstick of activity is the value of digital instruments being used as collateral: from almost nothing in early 2018 it has reached $90bn. Another is the value of transactions that Ethereum is verifying. In the second quarter this reached $2.5trn, around the same sum as Visa processes and equivalent to a sixth of the activity on Nasdaq, a stock exchange.

The dream of a low-friction financial system is just the beginning.

DeFi is spreading to more ambitious terrain. MetaMask, a DeFi wallet with more than 10m users, acts as a digital identity. To enter a decentralised “metaverse”, a looking-glass world with shops run by its users, you link your wallet to a cartoonish avatar who roams around. These digital worlds will become the subject of intensifying competition as more spending shifts online. Big tech firms could impose huge taxes on these mini-economies: imagine Apple’s App Store charging fees, or Facebook selling your avatar’s intimate secrets. A better alternative might be decentralised networks that host applications and are run mutually by users. DeFi could provide payments and property rights.

See:  The Intersection of Ecommerce and NFTs: How NFT Technology is Changing DeFi

Crypto-enthusiasts see a Utopia. But there is a long way to go before DeFi is as reliable as, say, JPMorgan Chase or PayPal. Some problems are prosaic. A common criticism is that blockchain platforms do not scale easily and that the computers they harness consume wasteful amounts of electricity. But Ethereum is a self-improvement machine. When it is in high demand the fees it charges for verification can climb, encouraging developers to work on minimising the intensity with which they use it. There will be new versions of Ethereum; other, better blockchains could one day replace it.

Yet DeFi also raises questions about how a virtual economy with its own norms interacts with the real world.

One worry is the lack of an external anchor of value. Cryptocurrencies are no different from the dollar, in that they rely on people having a shared expectation of their utility. However, conventional money is also backed by states with a monopoly on force and central banks that are lenders of last resort. Without these, DeFi will be vulnerable to panics. Contract enforcement outside the virtual world is also a concern. A blockchain contract may say you own a house but only the police can enforce an eviction.

Governance and accountability in DeFi-land are rudimentary.

A sequence of large irrevocable transactions that humans cannot override could be dangerous, especially as coding errors are inevitable.

See:  WEF: Decentralized Finance: (DeFi) Policy-Maker Toolkit

Money-laundering has thrived in the ungoverned grey zone of services lying between Ethereum and the banking system. Despite the claims of decentralisation, some programmers and app owners hold disproportionate sway over the DeFi system. And a malign actor could even gain control over a majority of the computers that run a blockchain.

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NCFA Jan 2018 resize - The dream of a low-friction financial system is just the beginning The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Retail Investors are just collateral damage (again)

Fair Canada | Sep 15, 2021

Banks and their interests - Retail Investors are just collateral damage (again)

The three banks (RBC, TD Bank and CIBC), according to recent media reports, have decided to stop selling “third-party” mutual funds to segments of their clients in their bank branches.

This was in response to the “know-your-product” (KYP) rules, a component of the client focused reforms.

How can the three banks justify this move?

They say it’s because under the new rules starting in 2022, employees in local bank branches who hold themselves out as financial advisors will have to know and understand the mutual funds they sell to clients.

Apparently, it is too much work to train their advisors to understand mutual funds offered by other banks or manufacturers before selling them. So, to make it easier to comply with the know-your-product rules, they will simply limit choices available to their clients.

See:  Retail investors are becoming more than shareholders

Their decision is deeply disappointing. These banks are flying in the face of the spirit of the client focused reforms. By limiting customer choices in an apparent attempt to reduce their know-your-product compliance obligations, they are putting their own interests ahead of their clients’ interests.

This is ironic, given the countless public commitments by these banks to put the client first in everything they do. Their statements below now ring hollow:

  • “Our purpose of helping make our clients’ ambitions a reality is our north star” (CIBC).
  • “Client First: We will always earn the right to be our clients’ first choice” (RBC).
  • TD Bank’s “shared commitment” to “think like a customer”.

Some commenters have suggested that banks are pulling back third-party mutual funds to further entrench their already dominant market share for mutual funds and increase their fee revenues. Others say it’s no big deal since only a small number of clients will be affected. But it does matter because it hurts investors, who will have fewer choices available to them. It may also lead to higher or additional costs for clients who may choose to switch banks down the road.

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NCFA Jan 2018 resize - Retail Investors are just collateral damage (again) The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Tips for storing confidential data

Kaspersky Blog | Hugh Aver | Aug 12, 2021

tips for storing confidential data - Tips for storing confidential dataLoss or leaks of sensitive information can be serious problems for small businesses. Here’s how to keep confidential data safe.

There’s no such thing as a business that doesn’t have sensitive data. Even a small retail company has documents with employees’ personal details that legally must remain confidential, for example. Bank documents would be hard to restore. Supplier and contractor contracts could include trade secrets.

To protect important data from loss or inappropriate disclosure, follow these seven tips.

1. Enable full disk encryption on all devices

On devices where confidential data is stored or transmitted (i.e., most of them), be sure to enable full disk encryption (FDE). Encryption protects the data in case the device falls into the wrong hands. In Windows, the FDE tool is called BitLocker. The macOS equivalent is FileVault. FDE is enabled by default on most iOS and Android phones; don’t disable it unless absolutely necessary.

2. Restrict confidential data to the office

Another way important data can fall into the wrong hands is through the loss (or theft) of physical media: external hard disks or flash drives. Ideally, they should never leave the office. In fact, if you must write to an external medium, you should encrypt the data beforehand. For example, many security solutions for small businesses support encrypted storage in the form of cryptocontainers.

See: 

Financial data unbound: The value of open data for individuals and institutions

ISED: Cyber Security and Policy Statements

Settlement in Plaid Fintech Data Case

 

3. Don’t transfer unencrypted data over the Internet

Sometimes you might need to send confidential data online, by e-mail or a file-sharing service. We strongly recommend avoiding it whenever possible, but if you absolutely have to send information, at least encrypt it first, in case of interception. The easiest way is to create a password-protected archive. Almost all archive utilities have this option. After you encrypt the information, send the password to the recipient through a different channel — for example, attach the information to an e-mail, but send the password through a messaging app that supports end-to-end encryption.

4. Delete sensitive data you no longer need

Even information that’s fallen out of use can still cause problems, so get rid of it. For less-sensitive information, at the very least, delete it and then empty your Recycle Bin so the data can’t be restored with a simple click. For anything even vaguely sensitive, use a file-shredder utility to prevent recovery.

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NCFA Jan 2018 resize - Tips for storing confidential data The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Miami’s mayor says MiamiCoin generated over $5 million USD for the city in the last 30 days

CoinTelegraph  | Sep 21, 2021

MiamiCoins - Miami's mayor says MiamiCoin generated over $5 million USD for the city in the last 30 days

Miami’s mayor believes that if city-specific cryptos succeed, it would mean residents “won’t have to pay a cent in tax.”

Miami Mayor Francis Suarez has been celebrating the success of a recent initiative to fund municipal projects through the proceeds of a city-specific crypto protocol built atop the Bitcoin blockchain.

On Sept. 13, Miami’s city commissioners voted to accept funds generated by a new cryptocurrency, MiamiCoin, which was launched in August by CityCoins. The coin is built on Stacks, an open-source network of decentralized applications and smart contracts that use the Bitcoin blockchain as a programmable base layer.

Hard-coded into MiamiCoin’s protocol is the requirement that 30% of all coins mined are routed to a digital wallet designated for the city. Those funds will be earmarked for spending on projects such as projects to mitigate the risks of climate change, funding initiatives for underprivileged communities, and investing in crypto education for tech entrepreneurs.

See:  The risk of not participating in crypto is now outweighing the risk of non-participation

Fox Business estimated last week that roughly $2,500 worth of Stacks (STX) at its then-value of $1.50 were being transferred into the city’s wallet every 10 minutes. In an interview with Fox on Monday, Mayor Suarez confirmed the ballpark figure, stating that mining proceeds generated over $2,000 every 10 minutes and “over 5 million USD over the last 30 days.”

In voting to accept the funds raised since August, the Miami City Commission did not vote to spend them yet. Instead, it accepted the United States dollar equivalent of the proceeds and will hold them in reserve for future municipal spending. Conversion into fiat currency ensures that the city does not custody cryptocurrency directly. In his Fox interview, Suarez said of the initiative:

“It’s interesting because it’s not an involuntary tax, it’s not philanthropy, it’s something that is completely different and could revolutionize the way governments are funded in the future.”

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NCFA Jan 2018 resize - Miami's mayor says MiamiCoin generated over $5 million USD for the city in the last 30 days The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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