#bank po 2017

[schadentekkers]

oh king of the tekkers which are schaden, i beg of thee two questions - do you have a link to the match(es??) zack and chris have fought against each other, and do you possibly have the translation for what chris says to zack when he comes to him during the interview after winning the g1? these are burning needs. bless and many thanks!! p.s., your encounters with zack and drew bring me the highest secondhand joy, that's all

helloo friend, there are subtitles available on the yt video, but i did go grab some screencaps just bc i will take any opportunity to relive the moment

aaaand i went ahead and compiled all of their matches i could find under the cut for a mini zack chris masterpost of sorts

zack + walter vs. cck - wxw tag tournament 2015 (35:50)

zack + nixon newell vs. chris and martin kirby - attack under the mistletour 2015 (1:06:00)

zack + davey boy smith jr vs. cck - revpro live at the cockpit 17 (sub needed)

zack vs. chris - revpro summer sizzler 2017 (13:35)

zack, will ospreay + marty scurll vs. chris, travis banks + jimmy havoc - lucha forever ultimo battle 2017 (2:18:10) (warning for scurll and havoc, obvs. and travis banks who is also a pos)

zack vs. chris. vs trent seven - progress chapter 62 (42:37)

zack + minoru suzuki vs. chris + travis banks - revpro epic encounter 2018 (1:57:00)

[mariacallous]

In the German city of Weimar, just a few steps from Enlightenment-era literary luminary Johann Wolfgang von Goethe’s baroque residence, the Lavazza cafe seems determined to remain in the past. This cafe, like many other establishments all over the country, accepts only cash. That old-fashioned and inconvenient mode of payment is still revered in Germany. According to the latest study by Germany’s central bank, the Bundesbank, on payment behavior, Germans pay for nearly 60 percent of their purchases—both goods and services—in cash.

Germany is not the only country standing athwart the global trend toward cashless payments. In Austria, cash is so popular that the Austrian chancellor has claimed it should amount to a constitutional right. Yet in other European countries, such as the United Kingdom, cash will account for just 6 percent within a decade, and in the Netherlands only 11 percent of transactions were made in cash last year. In other bigger economies, the pace of the decline is even faster. While in China 8 percent of point-of-sale (POS) transactions were made in cash, in India, cash use has declined from 91 percent in 2019 to 27 percent in 2022.

But in Germany, an obsession with privacy, mistrust of big-tech and fintech in general, and worries about political and financial crises depleting bank balances overnight—an experience rooted in history as well as a cultural desire for control—all contribute to the country’s love for cash. Arnold, Maria, Elisabeth, and Harald, a group of middle-aged friends who refused to reveal their full names, were taking a break in Weimar from a road trip on their bicycles from Hessen in western Germany. “Nur Bares ist wahres,” said Elisabeth, which means “only cash is true” and is a famous saying in Germany that expresses more than a preference for cash. Arnold said spending in cash encouraged him to spend less and stay in control of his expenses, but more importantly it protected the details of where he was spending his money. “If you use a card, the bank knows everything about you,” he said. Harald jumped in and added that if he used digital means to pay, he would “feel surveilled.”

But as some European states, such as Sweden, go nearly cashless, with only 6 percent of transactions still settled with banknotes, how does Germany’s preference for cash impact the largest economy in Europe? Perhaps not as much as one might think.

On average, Germans carry more than 100 euros in their wallets—much more than their counterparts in many other developed nations. Since the euro was introduced, the Bundesbank has issued more cash than any other member in the 27-nation European Union, and according to the Bundesbank report, even though cash use was down from 74 percent in 2017, as high as 69 percent of respondents expressed their intention to continue to pay in cash.

Agnieszka Gehringer, a professor at Cologne University of Applied Sciences, said German fondness for cash can be understood via cultural attachment theory and behavioral factors. She explained that, culturally, cash is seen as safe by Germans. “If I have been customarily using cash as a payment method for ages and I know how it works and my data remain protected, there is no particular reason to change my habit,” she told FP.

Gehringer traced these behavioral and cultural attitudes in part to hyperinflation witnessed in the Weimar Republic in 1923, when a loaf of bread cost billions of marks; steep devaluation of the currency after World War II, which washed out nearly 90 percent of people’s savings; and the division of the country, which left the Soviet-controlled east impoverished. “This series of turbulences is considered the basis of the so-called German angst—the fear of losing control,” Gehringer said. “Beyond culture and attitude, for some others, cash is a means of self-control and self-supervision: It is more transparent and easier to track the record of personal expenditures.”

While the fear of losing everything in a quick turn of events was passed on from generation to generation, so was the positive symbolism of the Deutsche mark. Post-World War II Deutsche marks rose in value and symbolized Germany’s resurgence and prosperity. In the late 1990s, Germans reluctantly agreed to a common European currency—but perhaps only because by then Germany was among the biggest European economies and influential in European decision-making.

Another reason to avoid possession of plastic money or credit cards is the fear of debt. “Germans do not like debt,” said Doris Neuberger, head of the money and credit department at Germany’s University of Rostock. In fact, the German word for debt and guilt are derived from the same word (Schuld), and this moral charge helps produce the country’s “low debt ratio and low usage of credit cards.”

Using cash is also easy for a wide range of consumers, including the elderly, who may be unfamiliar and uncomfortable with using smartphones or keystrokes online. It’s also cheaper for retailers and end consumers on transactions under 50 euros, as the cost of holding cash is lower than the fees incurred with non-cash payments, according to the Bundesbank. But the cost of producing, storing, and transporting bank notes and coins is eventually passed on to consumers, experts say.

There are other downsides to excessive use of cash, too. According to a report by the Office of Technology Assessment at the German Bundestag, high levels of cash holdings reduce the central bank’s “monetary policy steering options,” Gehringer wrote. “Sure, holding cash has a higher hurdle to make the money available for financial investments.”

But most experts say the argument that cash exacerbates the shadow economy tends to be overstated. The Office of Technology Assessment report noted that in countries with less cash spending, such as Switzerland, the Netherlands, and France, there is less activity in the shadow economy when compared to countries such as Spain, Italy, and Greece, which have high rates of cash use. But it added that in Sweden, despite a minor role for cash, the shadow economy is “medium-sized,” while in Austria and Germany, with relatively high shares of cash transactions, the shadow sector is relatively small.

In 2019, the Bundesbank conducted a study on the extent of “illicit cash use” in Germany, in collaboration with Friedrich Schneider, a professor at the Johannes Kepler University Linz. It said that without more in-depth analysis it was “impossible to distinguish those stocks of banknotes that are being held as a store of value—and kept at home under the mattress totally legally and legitimately by every citizen—from illicit banknote stocks.” On average, a German hoards more than 1,300 euros at home or in a safe deposit box.

“Available estimates for the size of the shadow economy lie between 2 percent and 17 percent of gross domestic product,” the study said. “This range alone shows that studies of the shadow economy are subject to an above average degree of uncertainty and all results should be interpreted with care.”

“Cash does not promote a shadow economy, as it is not a cause,” Schneider, a co-author of the study, told FP. “Causes are tax burden, regulations, etc.” Schneider said the higher the tax burden, the higher the motivation to evade taxes. “If cash is completely abolished, then people find other means.” He added that earlier uses of cash were more firmly linked to tax evasion than now, when “it is very difficult to open a bank account abroad with a large cash sum of money.” Money laundering in real estate is deterred with a different set of regulations.

Neuberger claimed much more criminal activity is conducted with digital money than with cash. “Nowadays, the ideal medium for illegal drug transactions is not cash, but Amazon gift cards,” she said. “Gift tokens allow for anonymous payments anywhere in the world and, unlike cash, do not require a face-to-face transaction. The same holds for prepaid credit cards, which can be loaded with cash anonymously.”

Burkhard Balz, a member of the executive board of the Deutsche Bundesbank, told FP no initiatives have been taken by the government to discourage or disincentive the use of cash and that it is “an excellent back option should other payment methods end up temporarily out of action—because of a power outage or software error.” Regulations to limit cash use are deemed politically unpopular in Germany, especially since people and experts just don’t see any disadvantages to carrying on with folded euros in their pockets and wallets.

A digital euro, however, could reduce the costs of producing, storing, and transporting cash. It wouldn’t be tied to any intermediary banking institution—as opposed to electronic payments, which are intermediated by multiple banks—and won’t even require a bank account. Balz said the digital euro would ensure “the accessibility and usability of central bank money alongside cash in a digitized world.”

“Currently, the Eurosystem is about to conclude its two-year investigation phase on a digital euro and may move into the next phase of the project—the preparation phase,” he said, “provided that the [European Central Bank] Governing Council takes this decision in late autumn this year.”

At least some private banks believe that payments made with the digital euro could still be tracked and help with anti-money laundering regulations, but not without placing limits on the highly prized privacy of citizens. Furthermore, it could lead to a reduction in deposits to credit institutions and limit the ability of the banks to offer loans.

Online purchases rose from 6 percent in 2017 to 24 percent in 2022 amid the COVID lockdown, but neither the pandemic nor digitization so far has managed to eliminate the appeal and comfort of cash for Germans. Even though Germany’s banking industry envisages a growth of 2 percent per year in card payments, a cash decline of 3 percent a year would still mean that, in 2030, Germans will carry out at least 30 percent of transactions in cash.

[a-very-tired-jew]

People will argue that Hamas changed their charter in 2017 to differentiate Jews from Zionists, and then argue that they can discern and understand what a dogwhistle is. Especially considering the "we're not antisemitic, we're anti-Zionist" has been a dogwhistle since before WW2.

For example; In 2019 Fathi Hammad said it outright, 2 years after the supposed change.

“But our brothers [in the diaspora] are still preparing. They are trying to prepare. They are warming up. A long time has passed with them warming up. All of you 7 million Palestinians abroad, enough of the warming up. You have Jews everywhere and we must attack every Jew on the globe by way of slaughter and killing, if God permits. Enough of the warming up,” Now, this particular speech was in response to restrictions Israel had placed on the West Bank in 2019. So why go after Jews globally? Unless it has never been about Israel/Palestine and actually about violent antisemitism.

That's baked into the organization. That is part of its foundation, and simply changing one word does not remove the entirety of the hateful rhetoric that underscores everything.

We all understand that if the KKK changed whatever documents and rhetoric and replaced all slurs and racist words with something like "illegals" or a political ideology unique to one ethnic/racial group that they would still be the POS racist organization they've always been. They're just using a dogwhistle to disguise it.

That's the same shit here, and so many people have fallen for it and embraced it in the name of "activism".

The reason Israelis fear that a Palestinian one state solution will lead to an ethnic cleansing or genocide isn't because of "Jewish supremacy", it's because more than half of our population was ethnically cleansed from Arab countries within the last century

[vijudon]

Top Distance MCA colleges in India

With the rapid growth in the current scenario in India. People have moreover shifted towards distance education. So that is why all the learners and educational institutes have inserted this in their universities and colleges. Distance education created hype in the era of covid period where everything went to online mode. Now several universities are providing opportunities for students to choose to study remotely. It refers to ways of learning that do not require any physical presentation in the classroom. Learning and lectures are easily available on the online platform, live-session workshops, and face-to-face interaction through video calls.  Students and working professionals can easily sit in their place and can get an education with top experts. 

The full form of MCA stands for Master’s in Computer Application. It is a 2-year post-graduation program. It can only be pursued after the completion of a bachelor's degree in BCA. This degree is all about technical study related to computer applications like Java, C++, and other programming languages. Here are some Top Distance MCA colleges in India that provide the best educational facilities in terms of MCA degrees. 

Here are some colleges that provide online MCA.

Providing you with some Best Distance MCA colleges in India that you can opt for as your career option. 

1. IGNOU online MCA

2. Sikkim Manipal University online MCA

Sikkim Manipal Online University has been introduced for several UG/PG courses. Bachelor of Arts (BA), Master of Arts in English (MA), Master of Arts in Sociology (MA), Master of Arts in Political Science (MA), Bachelor of Commerce (B.Com. ), Master of Commerce (M.Com. ), and Master of Computer Application (MCA) are just a few of the courses that the university offers. The University Grant Commission and the Online Board have approved each program. This university's primary objective is to assist students in their academic pursuits. For students who choose to pursue online education, this is one of the greatest online learning environments. 

As this university has been accredited by NAAC as A+, through NIRF this university is considered among 101 top universities.

Sikkim Manipal University online MCA admission criteria

The admission criteria for taking admission to an online MCA is candidate should have a BCA degree or any relevant degree from a recognized university. 

Sikkim Manipal University online MCA fee structure 

The annual fee structure for an online MCA degree is 98,000. 

Top recruiters from Sikkim Manipal University

Cisco, Cloud Mentore, HSBC Technology India etc. 

3. University of Mumbai Online MCA

The University of Mumbai was established in the year 1971. This university is considered one of the oldest universities in India. It was issued by the Government of Maharashtra and published in the Government Gazette dated 4th September 1996. The University was accorded 5-star status in 2001 & ‘A++’ grade status in April 2017 by the National Assessment and Accreditation Council (NAAC).

University of Mumbai Online MCA admission criteria 

There a very simple criteria to get enrolled in this university Any bachelor's degree with a minimum of 45% aggregate (40% for reserved category students with Maharashtra state domicile). 

Top recruiters from the University of Mumbai Online MCA

TCS, HDFC Bank, Amazon , Deloitte, etc. 

4. Bangalore University online MCA

This university is located in the city garden of Bangalore and was established in the year 1964. There are three years of Honour courses in Botany, Chemistry, Economics, English, Geology, Kannada, Mathematics, and Zoology, which were offered only at the University Post Graduate Departments and have attracted many brilliant students. Honours passed students were admitted to Post Graduate Courses on priority and B.A./B.Sc. graduates, who marginally missed admission to the Post Graduate Courses were allowed to join the final year Honours course and seek admission to Post Graduate Courses, thereafter. Since 1964, Bangalore University has grown both in size and strength to include a large number of affiliated colleges and P.G. Centers with a rich diversity of program options. 

Bangalore University online MCA admission criteria 

 The candidate must have the degree program of  B.C.A / B.Sc / B.Com / B.A degree with Mathematics as one of the subjects at 10+2 level or graduation.

Top recruiters for Bangalore University online MCA

TCS, Wipro, Infosys, HCL, etc. 

5. Chandigarh University online MCA 

It was Established in 2012, Chandigarh University is situated in Mohali, Punjab. This is the only university in all of northern India that offers Chandigarh University Distance Education to its students. Distance learning is offered by this university for several courses, including BBA, MBA, BCA, MCA, B.Sc., B.Com, M.Com, BA, and MA. You must take the admission exam, known as the CUCET, which is administered by the university itself if you want to be admitted. This university is considered one of the top Distance MCA colleges in India with 5 universities in India. Chandigarh University makes students believe that students can embrace pursue and achieve excellence in the education sector as per their area of passion. Cu has collaborated with the top universities with over 360+ universities. 

Chandigarh University online MCA admission criteria 

The admission criteria for taking admissiononline in MCA is candidate must have passed from recognized universities. 

Chandigarh University online MCA fee structure 

The annual fee structure for online MCA is 90,000. 

Top recruiters from Chandigarh University

Microsoft, Google, Amazon, IBM, Arcesium, Adobe, Deloitte, Morgan Stanley, Qualcomm, Philips, Goldman Sachs, Toshiba etc. 

What is the distance MCA colleges review?

MCA is distance education that provides flexibility by providing the benefit of choosing online classes timing, which helps you continue your job even while studying. The learnings of computer applications & modern programming language will make you avail of a varied number of career opportunities in different sectors.

[conhivemindcent]

What is your current fixation? Also don't worry, I can understand changing fixations, ;)

So recently I’ve sorta been bouncing around fixations, but for now, I think my main one is vocal synthesis softwares, most notably Vocaloid and SynthV. Moreso leaning SynthV but I’m chill with both.

I think currently my favourite vocaloid banks would be vflower, po-uta and IA; whereas my favourite synthv banks are the eclipsed three (Solaria, Asterian and Saros) and Teto. Gumi belongs in both categories due to recent news, but in my heart she’ll always be a vocaloid (she was the first one I ever heard back in 2017/8 with Copycat).

I’d love to learn how to tune with SynthV and Vocaloid but currently my computer doesn’t support the SV software and I’m pretty sure it won’t support Vocaloid either. Also there’s the whole AI thing and while it isn’t techbro stuff I don’t want any comparisons (stuff like sv and Vocaloid don’t steal work from actual voiceover people).

I think that’s my current fixation atm

[kenresearchreport]

Why UAE’s Debt Collection Industry is poised for growth despite the many challenges it faces in a competitive market? : Ken Research

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In this enlightening whitepaper, we delve into the intricacies of the UAE's debt collection industry, which has witnessed a formidable surge in growth over the last five years. Amidst this backdrop of remarkable expansion, the industry now confronts a shifting terrain marked by emerging challenges and evolving bottlenecks. But with newer challenges and evolving bottlenecks, will the industry’s robustness decline? Check out the entire whitepaper to find out more.

1. The Debt Collection Industry in UAE experienced a high volume of cases due to ease of credit availability & the industry saw a ~11% Compound Annual Growth Rate (CAGR) between 2017-22

Request a Call with Expert to know more about the business model

2. The increasing use of technology for better recovery predictions, enhancement of people skills of collectors and improvement in KSA legal system act as catalysts for the industry…

2.1…While, talent shortage, increasing labor costs and high default rates are major concerns for the incumbent players in the market

2.2 Moreover, High capital requirements and switching costs for customers create barriers for new entrants within the industry

3. But, the Debt collection platforms integrated armed with latest tech is starting to transform the entire debt recovery process for clients

4. The pandemic-induced financial trends, a greater emphasis on NLP techniques, and maintaining proper documentation will act as key growth drivers that will enable a double-digit CAGR over the next 5 years

Some of the Intelligence Curated by Ken Research in Debt Collection Market Space:

MENA Remittance Market Outlook to 2027 segmented by mode of transfer (digital, traditional), type of channel (Banks, online platforms, money transfer operators), type of end use (migrant labour workforce, personal, small business & others) Geography (Latin America, Africa, Asia Pacific, Europe, Middle East)

Australia Cards and Payment Market Outlook to 2027F By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS and ATMs), By Payment Instruments (Credit Transfers, Direct Debit, Cheques, Cash and Payment Cards)

Brazil Cards and Payment Market Outlook to 2027F By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS and ATMs), By Payment Instruments (Credit Transfers, Direct Debit, Cheques, Cash and Payment Cards)

Global Remittance Market Outlook to 2027 segmented by mode of transfer (digital, traditional), type of channel (Banks, online platforms, money transfer operators), type of end use (migrant labour workforce, personal, small business & others) Geography (Latin America, Africa, Asia Pacific, Europe, Middle East)

India Payment Service Market Outlook to 2027F driven by government initiatives & rising need for faster payment modes

To Know more about this Whitepaper, Visit this link:-

UAE Debt Collection Market

[bishtmeenakshi]

India Digital Lending Market is in Growing Stage, Being Driven by Digitization in the country along with the presence of 100+ Players in the Industry: Ken Research

Digital Lending Platforms are addressing the huge unmet demand for credit as the Market has grown @ CAGR 131.9% During FY’2017-FY’2022.

     

 To Know More on this report, Download free Sample Report

India’s market for digital lending has grown from INR 116.7 billion in FY’2017 to INR 3,377.7 billion in FY’2022P. The growth is supported by the need for superior customer experience, emerging business models, faster turn-around time, and adoption of technology like AI. Customers are adopting digital avenues as a result of the rise in smartphone usage and internet penetration. Digital channels influence 40 to 60% of loan purchase transactions across loan types.

2. Loans through Digital Channels on NBFCs has increased from 0.6% in FY’2017 to 53.0% in Dec, 2020 owing to the rise in BNPL schemes and lower interest rates offered by the Lending Platforms.

  Visit this Link Request for custom report

Commercial banks are rapidly joining the genre of financial intermediaries either lending digitally on their own or joining with NBFCs to share the synergies. The Digital Lending Company’s requirements are lower, and the process is significantly quicker. They need just a bank account as a reference point where loans can be credited and therefore % of Loans through Digital Channels are higher with NBFCs. The flexibility that BNPL schemes offer has completely transformed the digital lending market, particularly for younger shoppers, who are happy to trade traditional credit cards for more user-friendly BNPL schemes. The rapid uptake of Buy Now, Pay Later (BNPL) propositions, particularly within the retail sector, continues to drive major growth and new opportunities for NBFCs in India.

3. Rising Internet Penetration, Rise of innovative Models and an enabling regulatory environment are some of the Major Driving Factors for Digital Lending in India

 To Know More on this report, Download free Sample Report      

Higher penetration of smartphones, increasing number of mobile phone subscriptions coupled with inexpensive data has result in the growth and also supported the awareness and adoption rate of Digital Lending in India’s population. The popularity of Digital Lending has increased in India owing to NBFCs platforms collaborating with other digital platforms such as e-commerce, ride hailing, travel, logistics and more, resulting in higher acceptance of digital lending from various customer segments in the country. Digital Lending Pioneered by NBFCs, have now resulted in Companies from various segments coming up with multiple new models of doing business such as Digital Lending Marketplaces, POS Transaction Lending, Bank and NBFCs partnership models and more.2

4. Digital Lending Market to Reach INR ~15,000 billion by FY’2027 Making Digital Lending a Sector with the Highest Penetration by Digital Channels in the Country.

     

To more about industry trends, Request a free Expert call

Strategic partnerships and collaborations between traditional financial institutions and new-age Lending Platforms. Plus, easy market entry and targeted loan offerings due to availability of large sets of customer data, which can give collective and individual insights. Changing consumer behavior and expectations shaped by purchase/ transaction experiences offered by e-marketplaces like food delivery, e-commerce and travel portals.

[kenresearch1]

KSA Fintech Market is in its growing stage, Driven By accelerated digitalization, Government initiatives, and, High Fintech Adoption: Ken Research

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A strong indicator of growth in the fintech market is, growth in certain industry verticals like payments and currency exchange driven by an increase in digital payments in KSA and lending and finance owing to high requirement of funds in market both for personal and business use.

Covid Led Growth: The accelerated digitalization as a result of the COVID-19 pandemic has led to a surge in demand for fintech solutions and subsequent growth in both their market share and enterprise value. In particular, the pandemic has resulted in a growth in demand for easier-to-use financial tools in areas such as buy-now, pay later and investment brokering solutions.

Rising Government Support: Government initiatives including the easing of foreign direct investment regulations and the launch of Saudi Venture Capital Company and Jada Fund of Funds has increased venture capital liquidity in the Kingdom.

Interested to Know More about this Report, Request for a sample report

Fund Allocation by Investment Community: SAMA’s Regulatory Sandbox and CMA’s FinTech Lab and the release of regulations for a number of different fintech activities has proved the investment community with the confidence and clarity to allocate more funds towards fintech companies.

Highest Levels of Fintech Adoption: Saudi Arabia has one of the highest levels of fintech adoption in the region. In a recent announcement by SAMA, Saudi Arabia was shown to have the highest adoption of NFC contactless payments in MENA.  As per Fintech Saudi’s National Fintech Adoption Survey, 74% of individuals have had experience in using at least one fintech solution.  With a population of nearly 35m people and a high rate of fintech adoption, fintech companies have a significant runway for growth which contributes to the attraction of the sector for venture capital investors.

Access to Customers: It is difficult for FinTech’s to gain access to customers and conduct customer testing. Thus, it becomes important to take steps regarding financial literacy and inclusion in the KSA. The launch of Open Banking will in this aspect as it will drive healthy competition in the market allowing firms to compete at much lower prices leading to higher customer satisfaction. As such, these services will be available to a wide range of customers enhancing the financial inclusion in KSA.

Analysts at Ken Research in their latest publication- “KSA Fintech Market Outlook to 2027- Driven by the government regulations and initiatives and the growing adoption of technology among the residents” by Ken Research provides a comprehensive analysis of the potential of the fintech market in KSA. Rising Investment Activity and Increasing Convergence in The Fintech Industry are expected to contribute to the market growth over the forecast period. KSA Fintech Market is expected to grow at a robust CAGR over the forecasted period 2022P-2027F.

Key Segments Covered

Segmentation by service vertical:

Payments and Currency Exchange

Lending and Finance

Business tools

Personal financing

Private fundraising

Capital market

Infrastructure

Segmentation by Region:

Riyadh

Khobar

Dammam

Jeddah

Segmentation by Investment Stage:

Series A

Series B and above

Early (Pre-seed, Seed)

Undisclosed

Segmentation by Company Stage:

Testing License

Active

Idea stage

Pre-commercial

Key Target Audience

Banks and Financial Institutions

Cash Reconciliation Companies

Payment Aggregators

Payment Network Companies

Payment Interface Companies

M-Wallet Companies

Young First-Generation Entrepreneurs

Payment Gateway Companies

PoS Terminal Companies

M-PoS Terminal Companies

Visit this Link :- Request for custom report

Time Period Captured in the Report:

Historical Period: 2017-2022P

Base Year: 2022P

Forecast Period: 2023F–2027F

Companies Covered:

Payments and Currency Exchange-

stc pay

Tweeq

CLICK PAY

geidea

NearPay

neo leap

Surepay

PayTabs

FOODICS

noon payments

CASHIN

HYPER PAY

Lending and finances-

Tamara

tabby

tamam

FORUS

Lendo

Private Fundraising-

FALCOM TOJÁ

Buthoor

OSOOL & BAKHEET FUND

Manafa

Business Tools & Information Provision­-

Foodics

Flexxpay

Penny

wosul

Payment System Operators –

Visa

Apple pay

American Express

Google pay

Key Topics Covered in the Report

Executive Summary

Global Fintech Market Overview

MENA Fintech Market Overview

Overview of KSA Fintech Industry (Number of Fintechs and Fintech Ecosystem Enterprise Value, 2022)

Market Size of KSA Fintech Market on the basis of GTV and Volume of Transactions, 2022

Market Size of different Service Verticals of KSA Fintech Market on the basis of Volume of Transactions, 2022

Market Segmentation (by service vertical, by region, by Company Stage and Investment Stage)

Industry analysis

SWOT Analysis of KSA Fintech Market

Growth Drivers of KSA Fintech Market

Trends and Developments in KSA Fintech Market

Value Chain Analysis

Market Segmentations; Competition; Future Market Size, 2027)

Competition Landscspe

Future Trends and the Way Forward

Analyst Recommendations

Case study

Covid impact

Research methodology

For More Insights On Market Intelligence, Refer to the Link Below: –

KSA Fintech Market: Ken Research

Related Reports by Ken Research: –

KSA Personal Finance Market Outlook to 2026F

UAE Auto Finance Market Outlook to 2026F

[thxnews]

Pangandaman Allocates P5 Billion for BARMM Rehabilitation Fund

  Department of Budget and Management (DBM) Secretary Amenah F. Pangandaman has approved the Special Allotment Release Order (SARO) amounting to P5 billion for the Special Development Fund (SDF) of the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM). The release of the fund is in accordance with Section 2, Article XIV of Republic Act 11054, that the National Government shall provide the SDF with P5 billion annually, for a period of 10 years, to the BARMM Government “for the rebuilding, rehabilitation, and development of its conflict-affected communities.”  

Pangandaman making a statement. Photo by DBM.   "Tulad po ng ipinangako ko, at alinsunod po sa tagubilin ni Pangulong Bongbong Marcos, patuloy po ang DBM na aalalay sa BARMM sa abot ng aming makakaya. We will ensure that we will help in its smooth transition process and strengthening its communities." “Umaasa po kami na magagamit ng wasto ang pondong ito para matugunan ang pangangailangan ng mga komunidad sa BARMM. We hope that BARMM takes advantage of this funding by fully utilizing it to help those in need, and to improve areas that needs further development,” Pangandaman added.   The most recent conflict to have erupted in Bangsamoro Autonomous Region in Muslim Mindanao was the five-month siege, from 23 May to 23 October 2017, of Marawi City — capital of Lanao del Sur, one of six provinces in the region. The clash resulted in P17 billion in property damage and lost opportunities, according to Task Force Bangon Marawi, the government inter-agency body in charge of rehabilitation efforts in the conflict zone. In 2018, Task Force Bangon Marawi said in an initial estimate that at least P49.8 billion is needed to restore affected parts of Marawi. The allocations shall be directly released by the Bureau of Treasury to the Bangsamoro Autonomous Region in Muslim Mindanao Government through an authorized government servicing bank (AGSB), subject to cash programming by the National Government. The administration of President Ferdinand R. Marcos Jr. has allotted: - P64.76 billion for Bangsamoro Autonomous Region in Muslim Mindanao’s Annual Block Grant; - P5.0 billion as Special Development Fund for the rebuilding, rehabilitation, and development of conflict-affected communities; - P4.59 billion for its share in taxes, fees, and charges collected in the region.   Sources: THX News & Department of Budget and Management. Read the full article

[loyaltyexpert]

Top 8 Best Digital Loyalty Programs Solutions in India

Digital loyalty programs are fast replacing traditional loyalty programs due to their wide range of benefits. They are not only fast, efficient, cost-effective, and eco-friendly, but they are extremely useful in the digital age where a majority of customers would like to engage with loyalty programs using their smartphones, as confirmed by a CodeBroker study.

With more than 659 million smartphone users, India ranks second in the world when it comes to smartphone usage. With so many people using smartphones in the country, businesses of all sizes and types must digitize their B2C and B2B loyalty programs.

By leveraging digital reward programs, some brands made transferring and redeeming loyalty points much easier for their customers and channel partners. This blog post discusses the eight best digital loyalty programs in India that have resulted in higher engagement and retention.

Best Digital Reward Programs in India

1. PVR Privilege

Launched by PVR Cinemas in 2017, PVR Privilege is publicized as India’s first fully digital loyalty program. The digital rewards program offers the members of the PVR Cinemas loyalty program a wide range of enhanced benefits and best-in-class redemption opportunities.

Members are rewarded on every transaction they make at PVR Cinemas or the company’s website. They get free Privilege salted popcorn and five percent of PVR Privilege Points for every Rs. 100 they spend on tickets as well as food and drinks. Apart from that they also get vouchers and invitations to special screenings.

2. TimesPoints

When it comes to one of the best digital reward programs in India, TimesPoints is extremely well-known. The digital loyalty program of Mumbai-based media conglomerate The Times Group rewards customers when they spend time on its digital partners’ platforms such as The Times of India, NewsPoint, The Economic Times, Maharashtra Times, Navbharat Times, and many others.

Customers earn points for the time they spend on Times Group’s apps or websites. TimesPoints credits points in customers’ digital wallets, which they can trade to avail of benefits such as discounts, gifts, and deals. They can get benefits by reading articles as well as watching, liking, commenting, and sharing photos and videos. Customers can redeem the points across more than 200 brands such as Amazon, Paytm, Myntra, Shoppers Stop, and more.

3. PAYBACK 

PAYBACK is among India’s largest multi-brand digital loyalty programs with more than 100 partner brands including affiliate brands such as Amazon, Flipkart, Myntra, and more. The unique coalition digital loyalty program is designed to engage members and provide their reward points on online shopping, vouchers, coupons, as well as on digital payments.

The wide range portfolio of partner brands covers more than 80 percent of popular consumer spending areas with its partners being some leading brands in various sectors ranging from entertainment, financial services, hospitality, payment cards, retail, travel, and more. With a such broad range of partners, the program is accepted at more than 12,000 Points of Sale (POS) across over 100 cities.

4. HDFC Platinum Times Card

HDFC Platinum Times Card is a co-branded loyalty program card by the HDFC Bank and Times Internet. The co-branded initiative comes with several entertainment and lifestyle benefits related to dining, movies, and shopping. The digital reward program is extremely popular in the basic category. With an affordable fee, it offers a wide range of benefits across different categories, including dining, shopping, entertainment, etc.

Members get ten reward points for each spend of Rs 150 on dining during the weekdays and three reward points for every dining spend of Rs 150 on weekends. They can redeem the digital loyalty points through the product catalog by logging in to their net banking account. The card offers several additional benefits as well.

5. Citi Rewards 

Citi Rewards is a digital reward program from Citibank India. Under the program, customers can earn loyalty points for every payment they make using a Citi credit card at online shopping sites, retail outlets, hotels, and travel bookings, paying fuel bills at gas stations, and more. Customers can also transfer their reward points to frequent flyer programs and avail of benefits for premium merchandise.

For every payment made with Citi Credit Card at petrol stations, customers earn rewards points. They can then attractive travel options, and much more.

6. InterMiles 

InterMiles program, formerly known as JetPrivilege, is a co-branded digital reward program of New Delhi-based airline Jet Airways and Abu Dhabi-based carrier Etihad Airways. The digital loyalty program rewards its customers for flying with the airlines, booking hotel rooms across the globe, shopping in select stores, and more.

Under the program, members can collect InterMiles that are saved in their account and redeem the points for exclusive deals, free travel, lounge access, free stays, free fuel, and more than 2500 merchandise options.

7. Digisol Cash Karo

Digisol Cash Karo is the digital loyalty program of Digisol Systems Ltd, a reputable provider of IT networking solutions. The Bangalore-based company launched the digital reward program to increase sales and build transparency and trust with its channel partners.

By using the Digisol Cash Karo app, Digisol’s channel partners and influencers can scan the QR code on select Digisol products and the loyalty points will be credited to their digital wallet. Apart from retaining channel partners, the digital loyalty program empowers electricians and technicians as well.

Suggested Read: Robust, Fully Automated, And Cost-Effective Loyalty Program For Digisol

8. Berger Paints’ eSambandh

Berger Paints’ eSambandh loyalty program is a digital loyalty program for its contractors. The digital reward program consists of a wide range of benefits and incentives. The program provides a high degree of price transparency and gains contractors’ confidence.

The paint maker provides additional discounts and benefits as well as credit facilities. The B2B loyalty program also enables contractors to order various paints, coatings, and paint tools and get the items delivered to their preferred location.

Summing up,

Contemporary customers are extremely tech-savvy and prefer doing transactions over their smartphones over any other mode of communication. Digital loyalty programs are extremely helpful for present-day businesses in engaging and retaining customers.

At LoyaltyXpert, we have helped many B2C and B2B businesses digitize their brand and channel loyalty programs. If you’re looking to know more about digital loyalty programs, give us a call or book a free demo today.

[thethedifferentone]

𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗿𝗲𝗽𝗹𝘆 𝗲𝘁𝗰. 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗮𝗹𝗺𝗶𝗴𝗵𝘁𝘆 𝘄𝗵𝗲𝗻𝗲𝘃𝗲𝗿 𝗵𝗲 𝗵𝗮𝘀 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗵𝗲𝗮𝗿 𝘁𝗵𝗶𝘀 𝗹𝗼𝗻𝗴 𝗼𝘃𝗲𝗿𝗱𝘂𝗲 𝘁𝗿𝗶𝗯𝘂𝘁𝗲 𝘀𝗼𝗻𝗴 𝗳𝗼𝗿 𝗵𝗶𝘀 𝘂𝗽𝗰𝗼𝗺𝗶𝗻𝗴 𝗱𝗿𝗲𝗮𝗺 𝗺𝗮𝘁𝗰𝗵 𝘄𝗶𝘁𝗵 𝗯𝗿𝗼𝗰𝗸 𝗹𝗲𝘀𝗻𝗮𝗿 𝘄𝗼𝘂𝗹𝗱 𝗺𝗲𝗮𝗻 𝘁𝗵𝗲 𝘄𝗼𝗿𝗹𝗱 𝘁𝗼 𝗺𝗲 𝗯𝗼𝗯𝗯𝘆 𝗹𝗮𝘀𝗵𝗹𝗲𝘆 𝗶𝗻𝘀𝗽𝗶𝗿𝗲𝘀 𝘁𝗵𝗲 𝗳𝘂𝗰𝗸 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗲 𝗮𝗻𝗱 𝗶'𝗹𝗹 𝗳𝗼𝗿𝗲𝘃𝗲𝗿 𝗯𝗲 𝗼𝗻𝗲 𝗼𝗳 𝗵𝗶𝘀 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗳𝗮𝗻𝘀 𝗵𝗮𝘃𝗶𝗻𝗴 𝗮 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗮𝘁 𝘀𝗼𝗺𝗲 𝗽𝗼𝗶𝗻𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝗮𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗿 𝗲𝘃𝗲𝗻 𝗺𝗼𝗿𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝗺𝘆 𝗵𝗲𝗿𝗼 𝗶𝗻 𝗽𝗲𝗿𝘀𝗼𝗻 𝘀𝗼𝗺𝗲𝗱𝗮𝘆 𝘄𝗼𝘂𝗹𝗱 𝘁𝗿𝘂𝗹𝘆 𝗯𝗲 𝗮𝗻 𝗺𝗮𝗴𝗶𝗰𝗮𝗹 𝗺𝗼𝗺𝗲𝗻𝘁 𝘁𝗵𝗮𝘁 𝗶'𝗱 𝗻𝗲𝘃𝗲𝗿 𝗳𝗼𝗿𝗴𝗲𝘁.

 "The All Mighty" Bobby Lashley puts his WWE Championship on the line against The New Day's Kofi Kingston at WWE Money in the Bank: Courtesy of Peacock and WWE Network. Stream WWE on Peacock https://pck.tv/3l4d8TP in the U.S. and on WWE Network http://wwe.yt/wwenetwork everywhere else ------------------------------------------------------------------- Follow WWE on YouTube for more exciting action! ------------------------------------------------------------------- Subscribe to WWE on YouTube: http://wwe.yt/ Check out WWE.com for news and updates: http://goo.gl/akf0J4 Watch WWE on Sony in India: http://www.wwe.com/SonySportsNetwork Find the latest Superstar gear at WWEShop: shop.wwe.com ------------------------------------------- Check out our other channels! ------------------------------------------- The Bella Twins: https://www.youtube.com/thebellatwins UpUpDownDown: https://www.youtube.com/upupdowndown WWEMusic: https://www.youtube.com/wwemusic Total Divas: https://www.youtube.com/wwetotaldivas ---------------------------------- WWE on Social Media ---------------------------------- Twitter: https://twitter.com/wwe Facebook: https://www.facebook.com/wwe Instagram: https://www.instagram.com/wwe/ Reddit: https://www.reddit.com/user/RealWWE Giphy: https://giphy.com/wwe ---------------------------------- WWE Podcasts ---------------------------------- After the Bell with Corey Graves: https://wwe.com/afterthebell The New Day: Feel the Power: https://wwe.com/feelthepower Uncool with Alexa Bliss: https://wwe.com/uncoolwithalexa

_______________________________________________________ FAVORITE BOBBY LASHLEY MATCHES EVER •  Bobby Lashley vs The Demon Balor | WRESTLEMANIA 35 •  Bobby Lashley vs Kofi Kingstons | MONEY IN THE IN THE BANK •  Bobby Lashley vs Drew Mcintyre | WRESTLEMANIA 37 •  Bobby Lahley vs Drew Mcintyre |  HELL IN A CELL 2021 •  Bobby Lashley vs Drew Mcintyre | WRESTLEMANIA BACKLASH •  Bobby Lashley vs Sheamus | WWE MONDAY NIGHT RAW •  Bobby Lashley vs Brock Lesnar | ROYAL RUMBLE 2022 •  Bobby Lashley vs Rollins vs Ambrose | MONDAY NIGHT RAW •  Bobby Lahley vs Seth Rollins | WWE CROWN JEWEL 2018 •  Bobby Lashley vs Goldberg | SUMMERSLAM 2021 •  Bobby Lashley vs Keith Lee | WWE MONDAY NIGHT RAW •  Bobby Lashley vs Aleister Black | WRESTLEMANIA 36 •  Bobby Lashley vs Jeff Hardy | IMPACT WRESTLING •  Bobby Lashley vs Apollo Crews | PAYBACK 2020 •  Bobby Lashley vs Big e vs Roman | MONDAY NIGHT RAW •  Bobby Lashley vs Finn Balor | WWE MONDAY NIGHT RAW FAVORITE BROCK LESNAR MATCHES EVER •  Brock Lesnar vs John Cena | SUMMERSLAM  2014 •  Brock Lesnar vs Big Show | WWE ROYAL RUMBLE 2014 •  Brock Lesnar vs Bobby Lashley | ROYAL RUMBLE 2022 •  Brock Lesnar vs The Undertaker | WRESTLEMANIA 30 •  Brock Lesnar vs Roman Reigns | WRESTLEMANIA 31 •  Brock Lesnar vs Goldberg | WRESTLEMANIA 33 •  Brock Lesnar vs Cena vs Rollins | ROYAL RUMBLE 2015 •  Brock Lesnar vs AJ Styles | WWE SURIVOR SEIRES 2017 •  Brock Lesnar vs Daniel Bryan | SURVIVOR SERIES 2018 •  Brock Lesnar vs Strowman vs Kane | ROYAL RUMBLE

 MY SOCIAL MEDIA | CONTACT INFO : https://linktr.ee/thedifferentonesoon

★SEND ME SOMETHING★ The Different One PO BOX 8320 SW 27th Street Miramar FL 33025 📥Business inquiry? Email: thedifferentoneofficial@gmail.com

[kenresearchcompany]

KSA Fintech Market Outlook to 2027: Ken Research

Buy Now

KSA Fintech Market is in the growing stage, being driven by Government Initiatives and availability of modern technologies. Fintech Market in KSA has various players. Total number of Fintechs in KSA is 147.

 Key Market Findings:                   

The demographics outlook of KSA is changing with young generation being more tech-savvy and embracing innovation in the services.

A strong indicator of growth in this market is rise of new industry verticals like digital banking, crowd lending, infrastructure rise in digital payments and innovations in the capital market of KSA.

The surging growth is because of many government initiatives and regulations like Digital Banking, Open Banking etc.

Current Market Positioning: The industry is moving towards digital advancement and technologies such as AI and ML to improve capabilities. Other government regulations and initiatives are being introduced in the region to support the development of Fintech industry like Digital Banks, Open Banking.

Rising Investment Activity: The investment activity in the Fintech Industry is also increasing every year with many Fintech players forging partnerships with international Fintech players, Investors and other companies in order to expand into nearby markets, add to the existing product lines and achieve innovation to capture more market.

Increasing Convergence in The Fintech Industry: KSA Fintech Market is experiencing convergence of sector, increase in SME lending via Online Platforms and development of new Technologies. The competition to Fintech firms is increasing due to many non-financial sector firms like Telecom, Media etc. incorporating financial solutions on their platforms. This shows the increasing convergence in the Fintech Industry.

The Dominance of Payments and Currency Exchange: Payments and Currency Exchange will continue to dominate the market share of 23% in the KSA Fintech Market with a GTV of more than USD 20 Bn in 2027. Lending and Finance will have a share of 21% in the KSA Fintech Market with a GTV of USD 21.25 Bn in 2027. Lending and Finance experienced a rise in share from 19% in 2022 owing to increasing popularity of crowdlending among SME’s and rising requirements of finance by individuals.

Analysts at Ken Research in their latest publication- “KSA Fintech Market Outlook to 2027- Driven by the government regulations and initiatives and the growing adoption of technology among the residents ” by Ken Research provides a comprehensive analysis of the potential of the fintech market in KSA. Rising Investment Activity and Increasing Convergence in The Fintech Industry are expected to contribute to the market growth over the forecast period.

KSA Fintech Market is expected to grow at a robust CAGR over the forecasted period 2022P-2027F.

Key Segments Covered

Segmentation by service vertical:

Payments and Currency Exchange

Lending and Finance

Business tools

Personal financing

Private fundraising

Capital market

Infrastructure

Segmentation by Region:

Riyadh

Khobar

Dammam

Jeddah

Segmentation by Investment Stage:

Series A

Series B and above

Early (Pre-seed, Seed)

Undisclosed

Download a Free Sample Report

Segmentation by Company Stage:

Testing License

Active

Idea stage

Pre-commercial

Key Target Audience

Banks and Financial Institutions

Cash Reconciliation Companies

Payment Aggregators

Payment Network Companies

Payment Interface Companies

M-Wallet Companies

Young First-Generation Entrepreneurs

Payment Gateway Companies

PoS Terminal Companies

M-PoS Terminal Companies

Time Period Captured in the Report:

Historical Period: 2017-2022P

Base Year: 2022P

Forecast Period: 2023F–2027F

Companies Covered:

Payments and Currency Exchange-

stc pay

Tweeq

CLICK PAY

geidea

NearPay

neo leap

Surepay

PayTabs

FOODICS

noon payments

CASHIN

HYPER PAY

Request for Custom Report

Lending and finances-

Tamara

tabby

tamam

FORUS

Lendo

Private Fundraising-

FALCOM TOJÁ

Buthoor

OSOOL & BAKHEET FUND

Manafa

Business Tools & Information Provision­-

Foodics

Flexxpay

Penny

wosul

Payment System Operators –

Visa

Apple pay

American Express

Google pay

Key Topics Covered in the Report

Executive Summary

Global Fintech Market Overview

MENA Fintech Market Overview

Overview of KSA Fintech Industry (Number of Fintechs and Fintech Ecosystem Enterprise Value, 2022)

Market Size of KSA Fintech Market on the basis of GTV and Volume of Transactions, 2022

Market Size of different Service Verticals of KSA Fintech Market on the basis of Volume of Transactions, 2022

Market Segmentation(by service vertical, by region, by Company Stage and Investment Stage)

Industry analysis

SWOT Analysis of KSA Fintech Market

Growth Drivers of KSA Fintech Market

Trends and Developments in KSA Fintech Market

Value Chain Analysis

Market Segmentations; Competition; Future Market Size, 2027)

Competition Landscspe

Future Trends and the Way Forward

Analyst Recommendations

Case study

Covid impact

Research methodology 

For more information on the research report, refer to below link:

KSA Fintech Market Outlook to 2027

Related Reports

KSA Personal Finance Market Outlook to 2026F

UAE Auto Finance Market Outlook to 2026F

[zoranphoto]

Ukida se JMBG

Hrvatski sabor danas će raspraviti konačni prijedlog zakona o prestanku važenja Zakona o matičnom broju jer se danom prestanka važenja tog zakona, 1. siječnja 2023. godine, prestaju određivati matični brojevi građana.   “Matični brojevi građana koji su određeni do dana prestanka važenja Zakona o matičnom broju, neće se brisati iz postojećih evidencija te će se moći koristiti za povezivanje i razmjenu podataka u onim slučajevima kad se povezivanje podataka neće moći izvršiti korištenjem osobnoga identifikacijskog broja, međutim ne kao osnovna i stalna identifikacijska oznaka građanina, već kao kontrolni mehanizam. Naime, osobi koja je preminula prije 31. prosinca 2008., odnosno osobe koje su nestale/stradale tijekom Domovinskog rata ili članovi obitelji stradalnika iz Domovinskog rata koji su preminuli prije stupanja na snagu Zakona o OIB-u, nije i ne može biti određen i dodijeljen OIB jer se iste osobe ne smatraju obveznicima broja”, stoji u Zakonu. U Hrvatskoj je od 1976. u uporabi 13-znamenkasti matični broj (MBG) ili jedinstveni matični broj građana (JMBG) reguliran Zakonom o matičnom broju (NN 9/92) i Zakonom o izmjenama i dopunama Zakona o matičnom broju (NN 66/02). Broj je stečevina iz doba Jugoslavije, tako da ga možemo naći u aktivnoj uporabi i u drugim bivšim jugoslavenskim republikama. Prilikom uvođenja se građanima dodjeljivao po mjestu stanovanja, a nakon toga je dodjeljivan po mjestu rođenja. U MBG-u je kodirano sljedeće: - datum rođenja - regija rođenja - redni broj - spol Dakle, osim što ispunjava osnovnu namjenu jednoznačnog identificiranja građana, JMBG izravno otkriva i neke osobne podatke. Iz tog razloga je opisan kao kazujući broj podložan zlouporabi, a njegova je javna uporaba ukinuta. Međutim, mnoge institucije i davatelji usluga, kao što su banke i osiguravajuća društva, i dalje traže od stranaka njihov matični broj. Od ožujka 2017. MBG više nije potreban pri potpisivanju zahtjeva za referendum.  Inačica izvorne stranice arhivirana 18. veljače 2018. U međuvremenu je (od 2009.) uveden novi identifikacijski broj, tzv. osobni identifikacijski broj (OIB) koji mijenja (J)MBG, ali su u prijelaznom razdoblju oba broja bila u uporabi. Zoran / TV Wien     Read the full article

[echo-three-one]

Yo! Fic request possibly.

Soap is sent home pretty injured after a mission and his partner takes care of him (in more ways than one if you catch my drift)

Hello anon! I apologize in advance if I bended your request. But If you think of it... the event happened After a Mission and he got Pretty Injured so I'm still on track right?

Anyways enjoy!

⚠️ NSFW tag and it's 1600ish words.

John "Soap" MacTavish x Reader

A year had passed

October 11th 2017. 

You gazed outside the hospital you work in, taking a deep breath as the view of construction filled the huge glass window. This was you're longest break for today, it's been ten minutes since someone last paged you and you found it bizarre. But who are you to complain? You're just doing your job, like your boyfriend who's somewhere out there in that building.

You smiled as you remembered him stepping back into the world, after his tragic injury from exactly one year ago. To which you didn't know most of the events that occurred, but you fully remembered how you were there to save his life.

There was some sort of war just by Hotel Lustig, you didn't care much as that day brought in waves of injured persons that the events outside the hospital were too unimportant. But you believed he was one of the persons who got injured by the blast, and it was something only you could fix. 

You took a deep breath, holding your emotions as you remember the first moment you met him. His face was almost lifeless, his pulse was faint but it was there. He had no ID but his uniform told you he was O-Pos.

"We're going to need lots of bags for this man. Hurry and contact the blood bank!" You instructed as you forcefully tore his shirt, which was originally white but now drowned in crimson and reeked of rust. A huge reopened fleshwound from a poorly made stitch, you evaluated. Maybe he didn't have the resources from when he first got operated and now it came back to haunt him. You expertly did your thing as the nurses behind you quickly assisted you, trying to impress you as they aspire to be part of the program. 

It took you almost two hours until the life slowly went back to his face. A face you have been staring at every chance you have. A face you hoped to see smile someday. Then there it was, a stable heartbeat. Nurses cheered around you as well as those watching from above. He lived.

"Doctor L/N!!" Someone called over the walkie talkie. You quickly snapped back to reality and replied with urgency. It's your boyfriend. He broke his arm while on construction.

You pushed the double doors open as soon as you reached the emergency room. You could spot him from afar as his haircut stood out from the crowd, a mohawk that you grew to love.

"John!"  You gasped and rushed to his aid, as the nurse secured the strap of his sling.

"Love! I'm glad to see you here." he grinned, almost looking proud at his injury. He looked like he just got a new tattoo or something. Far from the emotion of being hurt.

"What happened? Does it hurt?" you checked his chart, momentarily looking at him.

"Just a minor fall. That ladder was not as stable as it looked." he chuckled, his other hand held yours and you quickly looked at him in the eye. Lost in his cold blue orbs, your heart thumped as his eyes told you he was fine and how you looked beautiful in that outfit.

"What about your wound? Did it hurt after the fall?" You shook yourself off from his trance and unbuttoned his shirt, checking for signs of reopening.

"Whoa whoa whoa. Not here and not now, Love. Lot's of people are watching." he joked, you sigh at his attitude towards the situation. He was too chill about this.

"So, when will you be off?" he winked as he comfortably sat on he hospital bed, tapping the other side, inviting you to sit down.

"I'm actually off duty now." you reply as you accept his invitation and sunk your ass on the soft matress beside him, pulling the sky blue curtain inward, covering the two of you from the public eyes.

You slowly leaned on his strong shoulders, shoulders that you massaged after his recovery so he could stand up again, shoulders you leaned on when you were having trouble at work. You felt his arm wrap around you, his hands grazed through your coat as he slowly rubs it against your arm.

"Guess I'm driving home." you chuckled and he laughed, looking at you as he held your cheek. 

"Does my insurance cover my fees here?" he asked, breaking the vibe of whatever you were both feeling. 

"I'll check on it later. For now, let's take you home."

"Sounds good to me."

***

You slumped yourself on your side of the bed, leaning to a peacefully sleeping John MacTavish beside you. You stared at the scar on his chest as it rises and falls in sync with his breathing, your night music just before falling asleep. 

You remembered how you carefully stitched his wound, how you poured out your heart to save this person, a person who didn't mean to you the moment you saw him but now means the whole world to you. 

Putting your finger on his scar, you slowly traced its tracks across his chest, enjoying the feel of his skin. He snorted and slowly opened his eyes, smiling at the view.

"Hey you." he whispered, moving your hair behind your ear pulling you over for a kiss. You didn't hesitate but you were cautious, you were careful not to hit his injured arm. But all that focus began to fade away as your lips met his, tongues clashed in an epic battle of passion like two expert fencing athletes on a clash to see who's the best.

You gasped as you broke the kiss, panting and smiling as his blue eyes sparkled against the moonlight outside the window.

"It's been a year since I first saw you, my angel. Don't think that I forgot about that." he murmured. His Scottish accent sounded so well, you can't get enough of it, it's as if each word vibrated across your body.

You slowly lifted your leg and straddled on him, positioning your ass on a spot that's going to make him beg. He grunted softly as you detected the tone of lust from him. He was clearly enjoying the tease, so you raised your eyebrows at him and slowly shook your hips teasingly against him.

"Are we really going this way?" he complained as his hand reached out to your hips, sliding below your shirt and letting his electric touch on your hip send shivers down your spine. His thumbs make its way just below your breasts, the tip of the big finger grazing the lower part of your left breast.

"Which way?" you asked teasingly as you feel his manhood slowly grow. You pull the string that held his sweatpants and ran your hands across his abs, feeling each bump, admiring his feel.

"This way." he smirked as he thrusted his hips upward, making you yelp in surprise. Looks like he's trying to turn back the tables which is something you always loved. Him in charge. The thought made your hairs rise, as you remembered all those times he did it in this apartment ; in the showers, in the kitchen, by the dining table oh and this exact bed.

One thing led into another until you found yourself on all fours, facing the wall as you whimpered in pain as his cock slowly slid on your wet opening. He once told you that he hated dogs, but that didn't stop him from using this position, but this time only one hand was tightly gripping your plump ass.

You let out short gasps as he picks up his pace, the creaking sound of the bed got louder and louder as his thrusts became faster and deeper. You moaned on his every thrust, mentally noting the feel of his whole manhood inside of you. How his tip interacted with your sensitive walls. How his groans and whispers of endearment enter your ear and go straight to your memory banks, a part of the brain you're supposed to know but now reduced to simpler terms because all you could think of right now is how much you love this man and how this sex is a message of both your feelings.

He pulled himself out as you both gasp, he quickly moved himself to your lips not letting you a chance to catch for air. You grabbed his hair and gripped it tight, tilting your head for a better angle. You could feel his tip poking at your entrance as he placed himself between your hips.

"Please John, show me how much you love me." you whispered, lustful intentions wrapped in your tone. You could feel him smirk just before he kisses you once again, his tongue doing marvelous wonders inside your mouth as his cock slowly enters inside you, slamming it hard making the bed creak.

You whimpered in surprise but as soon as he stopped, you gripped his back signaling him to keep doing it. You could feel his cast rest on your breasts as he picks up the pace once again, this time the bed was shaking dangerously, creaking loudly while doing so. You both ignored this as the loud clapping of your skin mixed with your collective grunts, groans and moans rung on your ears while your mind swirled in a pleasure filled moment.

With one final groan, he burst his load inside you, the hot rush of liquids fill your insides making you pant and smile. He looked at you, sweat trickled from his forehead, mouth open gasping for air. He chuckled and leaned back, as your bed suddenly snapped, sending you both a few inches lower.

Complete silence. You both realized what just happened and laughed. That was some wild fucking.

"Bloody hell, we broke the bed!" he muttered seductively while you were laughing almost losing air. 

"That we did." you replied and smiled at him, thanking the threads of destiny that you met this wonderful man on this fateful day, one year ago.

[houseofbrat]

Kamala Harris is a Catch U Next Tuesday I think she is going to k*ll Biden so she can become the first woman president she is a POS

I don't like Kamala, but I think you're going a little too far. We can list plenty of reasons to dislike Kamala without talking about things that aren’t going to happen. Kamala isn’t going to kill Biden, and Kamala isn’t going to be president. 

https://theintercept.com/2019/06/09/kamala-harris-san-francisco-catholic-church-child-abuse/

https://theintercept.com/2019/02/07/kamala-harris-san-francisco-district-attorney-crime/

https://theintercept.com/2017/01/05/kamala-harris-fails-to-explain-why-she-didnt-prosecute-steven-mnuchins-bank/

[btsandvmin]

Collection of asks 3 - BTSandVMIN

I am on my third collection post for asks now... I don’t know if anyone else checks these, but at least for me they are a good tool to go back and look at old asks. If you are curious about some of my older asks here is the link to my other two collection post 

Collection of asks - BTSandVMIN

Collection of asks 2 - BTSandVMIN

I have this post because I feel some of the asks I answer are worth saving, for me personally, and perhaps for you as well. But I don’t want to put them all in my Masterpost where I want to keep it a bit more structured for my longer posts and analysis. So for asks that are more about answering specific questions or about general things or my feelings I will put them here. I also don’t add every ask I have ever answered, as some are repeat questions or just very short and probably not that interesting for others than me.

Asks are written more in the moment than my usual posts, so they might be less accurate as it’s all mostly from the top of my head. The newest ones will actually be on top, and then they will get older going down the list. I’ll update it regularly as I answer more asks. :)

A clip of vlive where bts was eating together and when the live started we catch V standing up from lying down (?) on Jimin's lap?

Don’t u think if JM is so scared and uncomfortable Tae would stop trying to show us all hints?

I hope you haven't lost your "faith" in vmin lol seeing all these inactive vminies is making me sad

It’s interesting to see topics that are quite taboo to even be joked about on twitter explored and in a way that didnt rely on gross jealousy/"sexual tension" narratives.

Do you remember where the vmin assgrab was from? i mean the whole video

Sometimes, taehyung makes it really hard not to step head first into delulu land

Namjoon said he got chills thinking about vmin's relationship and 10years together?

After i have seen all the time vmin roleplay i have started to think they are just really comfortable doing things that might be seen as inappropriate bcoz they are very close

I think the reason why they seem to hold back from 'what they say vs what they do' is cause they are waiting for the E stuff to happen

Do you know where i can find very rare vmin fancafe video?

Sometimes I feel like Tae is like Zayn, Suga is like Niall, RM is like Liam, Jimin is like Harry, JH is like Louis LOL

Have you seen milk mocha bear lol they remind me of Vmin

Do u think vmin are still the closest in bts?

I want know if you gone do another analyse about the changement between vmin these days they look more open of affection?

What do you think of the ARMY who doesn't recognize Vmin as a ship?

What do you think about namjoon saying things like "because you're close" , "because he's your friend" or "look at this heartwarming friendship" about vmin?

Please make a post about all the moment of 2020 so far 🥺🙏💜

Why did people think vmin relationship was dead in 2017?

Since Friends I'm seeing more members being referred to as "soulmates" in bh editing

Would it be possible to do a 4'oclock analysis regarding vmin?

At music bank at the end bts are on stage singing "on" and jimin is holding flowers and then he suddenly turns to tae

I love every analysis of yours. Because you don't try to push the vmin is real agenda.

U recently said jk n hobi have stated they wont get married

I’m so sure he said Jimin but the subs say differently.. i feel like its a cover up

Vmin seem to sort of be connected in the spring day choreography

Not just vmin centric but I wonder if the guys have ever fooled around with each other?

What do you think about Jimin saying he’s possessive when referring to winter bear and essentially Taehyung?

I would really like to hear your opinion as to why he chose to kiss the Jimin doll?

What did you mean by I can relate to Vmin's dynamics? I mean have you fallen in love with your best friend too?

I was wondering if you could talk about members reactions to Vmin’s interactions.

Can you make a vmin kinky sexual analysis post

What are in your opinion the most underrated/underappreciated vmin moments? 

 You mentioned how there were moments where vmin were being careful which caught you attention. Which moments were they?

Don't you think that the neck caressing/holding that is Jimin lately doing to Tae looks so intimate?

What do you think about jimin and jungkook having the most screen time in the memories of 2019 dvd?

What made you like Jimin individually and Taehyung individually?

Aside from what they said in the song Friends, why do you think what he and Taehyung has is EXTRA special?

Your opinion on a moment that I noticed in Run Bts in Canada when they were picking the rooms.

On run when tae was caressing jimin for the game and got flustered? (he even said to namjoon it's weird right? afte) it reminded me of the last ep of rookie king

One interesting thing about vmin is how members react to them.

Do you have that post where bts were asked what are members relationship to each other and Vmin just wrote Question marks (?) for each other

I came across a interview where vmin were asked what kind of friend they were to each other. Jm says they have truly bcome friends now tho earlier there was a wall btw them. Do u know when and where this is from?

Why did jimin chose 4 o'clock to guess on the la run bts?

Why do you think Vmin get so brozoned by the fandom?

For what reasons do you personally think tae may have had a crush on jimin or vice versa?

Taehyung seemed to be wearing the same black and white printed cardigan that Jimin wore

Picturing both of them doing a live sound awkward to me

Why didnt they write chingu tgt.

It honestly makes sense why vmin would act weird/ or trying to convince people (or themselves lol) that their friendship is simply just what it is nothing more.

Do you think it's possible that the real issue with bts (almost disbanding in the beggining of 2018) could be because of bighit finding out that two of the members are dating?

Have you seen the clip from BE shooting sketch when jimin praised tae and namjoon suddenly started singing 4o'clock ?

I chanced upon an interview where Jimin (accidentally?) said that when they were in Hawaii, he and Tae would go out every night to see the stars. is it?

I remember a scene from spine breaker when Jimin pushed Tae off

The BTS boys are obviously aware of shipping. Do you think it bothers them?

Taehyung acts differently around jimin compared to other members in terms of skinship. But do you think Jimin holds back even more when it comes to taehyung?

I think some of the changes we perceive in vmin's relationship stem from changes in taehyung's personality.

About Winter Bear possibly being linked to Jimin, one thing that interested me is the way Jimin interrupted tae on the vlive

Do you think it's kinda weird when namjoon was conveniently there in the majority of vmin's moments?

Can you talk about [4 O’clock song] ?

One fan said he saw Tae in a cafe. Tae then replies that he was there with Jimin. RM then responds with a "Why are you doing this?"

In your opinion what are your top 3 most meaningful vmin moments

Ok, so apparently being all over each other (skinship) is very common in Korea.

Do you think any of the bts members are part of the lgbtq+ community?

Do you think many of vmin moments can be seen as friendly and normal?

How involved do you think BigHit is in Vmins relationship?

I was reading your 'shipping vs believing' post, and i think that's why i feel comfortable in ur blog.

Jimin and Joon have such a cute relationship

“pas de deux traditionally done between a man and female” that’s the dance jm and jk did for mma

Are we still waiting for a Vlive from Vmin?  and BE review clip asks

One of the best things about Vmin is that its a classic case of opposites attract and so adorable

The lyrics of SN to me it seems like they didnt take the first chance

A guy points out the look between vmin in LGO and "jokingly" said "what was that... sexual tension" but his female friend immediately went "they're besties"

I genuinely try not to ship any of the members, but Vmin has completely stolen my heart

What got you into liking vmin? What do you love the most about them? Do you love other bts ships too?

One of the backup dancers they had in LA talked about how the "silver haired one and the dark curly haired one were all over each other"

I don't know if Vm is real or not but your post made sense for any kpop lgbt idol/couple

Why do you think Jimin and Taehyung never really post pictures when they go places by themselves?

What do you mean taehyung basically said he had jimins nude on his phone?

What makes v and jimin’s relationship different from the others?

Do you know if Taehyung ever said he wanted to do a duet or make a song with/to another member?

I always wondered how different vmin relationship would be if they weren't the same age

Maybe it's just that one problematic producer and not Bighit as a company

Do you know/like mamamoo? there's 2 soulmates also in that group it's the female version of vmin

When jimin is being touchy tae sometimes seems so cold that ppl even say jimin is forcing himself on to tae

If they are fake why would he say that to some random girl he probably will never meet again?

Did u see the IG post by the girl from ON mv

The VMin Mandako V Live were edited or it wasn't live?

Can i ask you what's your fav manga? Have you seen Love Or Hate manhwa

Jimin got nervous in the Vlive when Hobi asked Tae what is winter bear about?

The awkwardness is simply because they know that they are closer physically than the others and they don't want it to be too obvious.

I was wondering why you constantly answer Jikook related questions

I think that tae pushes jimin a little away when he's affectionate is because tae likes to show affection in his own terms

If we feel that Sweet Night is also about Jimin, isn't it right to think that VMIN had the chance, but already lost it?

But what if taehyung put out his mixtape somewhere in december and he put out the christmas song

I wonder if loving these 7 dorks, their music, their friendship, their interactions... makes up for all the bad blood around the fandom.

Wasn't 2016 the time Tae was acting and spending a lot of time with his Hwarang hyungs?

If vm are in love then having a big fandom of vminers who take them serious can support them

I want to talk about this quora writer

What is the meaning of You are Me I am you with Jikook?

Tae  asking jimin to sleep with him at his place hasn't made me more deluded than ever.

I personally have a feeling that jimin has particularly had a hard time this year.

The room with the 2 beds where they shot the life goes on video is jm and hobi's actual room in the dorm

What do you think about Tae asking Jimin about how he lost his baby fat in the pre-comeback video?

Yeontan vlive and taehyung trying to put lipstick on jimin has the same flirtation vibe

I found a Jap interview of BTS in NTV Buzz Rhythm for stay gold where they asked who is most spoiled and they answered JM.

Do you think this time we will finally experience a vmin vlive?

Why can't they respect our decision of looking at vmin as a romantic ship?

Why do you think people get so emotionally involved with ships?

What do u think about the whole vmin not rooming together situation in the soop.

Hear me out... KTH 1 release near Christmas... with the Christmas song ft Jimin.

 Opinion on why tae didn’t get to post for jimin’s birthday

The anons talking about Tae's relationships with jk, are quite off base.

Why nobody talk about the way jimin go straight to tae for a kiss.

What if there's 'ft. JIMIN' in KTH1?

TaeHyung didn't wish Jimin on twitter what do you think about that

Tkk talking about not being as close b4 really hit me!

taehyung had commented about nothing before he posted vmin selca,,,, but in the clip they weren't listening

What do you think is going on with tae/kook. it looks to me as if they had a falling out the same time vmin did

Did you see that they posted their first selca exactly seven years ago.

Your thought about Taehyung's song 'Sweet Night.'  Especially with the line, 'Are you my best friend?'

The christmas song is particularly suspicious.. do they know in s.korea christmas is a romantic holiday?

Im wondering if you read any fics (on ao3 or otherwise) and if you have any recommendations!

I want to say thank you once again for all the asks you send me, and I hope you understand that when I don’t answer something it’s nothing personal. I am really happy for all the love and questions you have for me. I try to answer as much as I can, and will keep doing so. I hope you found some of these interesting. Thank you! <3