#euro fintech

[haute-lifestyle-com]

Euro FinTech Start-up Native Spaces, the AirBNB of Venue Locations, Secures Funding #janetwalker #hautelifestylecom #theentertainmentzonecom #fintech #fintechnews #eurofins #nativespaces #euro #funding #startup #startupnews #startupecosystems

[transgenderer]

Is transferwise fucking me somehow? I feel like it must be. I shouldn't be able to transfer money from an American account, immediately convert it to euro at a reasonable rate, and then immediately spend it in euro. That's not how international finance works. Is fintech magic. I feel like it might be magic in the stage sense and not the spell sense

[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.

[optimizacijasajta]

CREATIVE SEO STRATEGIST MENA

CREATIVE SEO VIDEO STRATEGY

MENA SEO EXPERT Predrag Petrovic

The Middle East and North Africa (MENA) region is poised for significant growth in the coming years, driven by several factors:

Economic Diversification: MENA countries are moving away from dependence on oil and gas, focusing on developing other sectors like tourism, technology, and renewable energy.

Young Population: The MENA region boasts a young and tech-savvy population, a significant driver of innovation and entrepreneurship.

Technological Advancements: Increased internet penetration and smartphone adoption will continue to fuel e-commerce, fintech, and other digital services.

Here are some predictions for the MENA region's future:

Rise of Q-commerce: Quick commerce, focusing on hyper-local deliveries within minutes, is expected to see explosive growth.

E-commerce Boom: The e-commerce market in MENA is expected to continue its rapid expansion, with a growing focus on mobile shopping.

Investment in Infrastructure: Governments are likely to invest heavily in infrastructure development, including transportation and logistics networks, to support economic growth.

Geopolitical Shifts: The region's geopolitical landscape will likely remain complex, but there could be increased cooperation on regional issues.

SEO Predictions

Search Engine Optimization (SEO) is constantly evolving, but here are some predictions specific to the MENA region:

Focus on Mobile-First Indexing: As mobile usage continues to dominate, Google will likely prioritize mobile-friendly websites in search results.

Rise of Voice Search: With the growing popularity of voice assistants, optimizing websites for voice search queries will become increasingly important.

Importance of Local SEO: As MENA consumers become more locally focused, local SEO strategies like optimizing Google My Business listings will be crucial.

Multilingual SEO: Since the MENA region is linguistically diverse, creating Arabic-language content and optimizing for other regional languages will be advantageous.

Content Reigns Supreme: High-quality, informative, and localized content will remain a key factor in achieving high search engine rankings.

By staying updated on these trends, businesses in the MENA region can leverage SEO to reach their target audience and thrive in the digital landscape.

FINTECH SEO EXPERT MENA - EMEA

RECOMMENDED MARKETING AND SEO STRATEGY 2025

VIDEO SEO EXPERT STRATEGIST near me

www.יִשְרָאֵל.net

[iontimes]

London Fintech Owner Accused of Facilitating Massive Drug Money Laundering via Crypto

A fintech owner in London is under scrutiny for allegedly assisting notorious drug traffickers in laundering hundreds of millions of euros through a crypto exchange platform.

Caio Marchesani, the 38-year-old Italian owner of Trans-Fast Remittance, a regulated payments business, is accused of knowingly hoarding cash for Sergio Roberto De Carvalho, a Brazilian drug lord, and managing crypto accounts for Flor Bressers, a Belgian criminal known as the “finger cutter.”

Authorities in Belgium, who started an investigation into Marchesani three years ago, are seeking his extradition from the UK as part of their effort to dismantle a transnational gang, according to a recent Bloomberg report.

Per the report, the investigation gained traction after Dutch customs officials seized over 12 tonnes of cocaine, worth more than €260 million ($283 million), at Rotterdam port.

The authorities traced the drugs to Bressers and De Carvalho, eventually leading them to Marchesani through decrypted communications.

So far, 33 suspects from different countries, including Brazil, Hungary, the Czech Republic, and France, have been identified.

The investigation also revealed that Marchesani stored significant amounts of cash in an apartment near the US embassy in London, which was guarded round the clock.

Additionally, he was found with approximately £1.5 million ($1.9 million) worth of cryptoassets, frozen by authorities.

Marchesani Used Binance Accounts to Launder Money

Belgian prosecutors revealed that Marchesani managed 14 Binance accounts for Bressers and held cash for De Carvalho, charging exorbitant fees of up to 9% for fund transfers.

The underground network involved in the money laundering scheme reportedly combined new technology with the ancient hawala money transfer system, primarily practiced in the Middle East.

A spokesperson for Binance has reportedly said that the exchange cooperated with law enforcement, providing “practical operational assistance” as part of the investigation.

Belgium’s lawyer, Amanda Bostock, described Marchesani as a “dark banker” who mixed and moved money at the will of the criminal organization to obscure its origins.

However, Marchesani’s lawyers vehemently denied the allegations, stating that the money used for his bail surety came from a legitimate UK company focused on healthy eating.

They argued that none of the allegations against Marchesani relate to his business interests in the UK.

Marchesani’s lawyers plan to challenge his extradition, citing inconsistencies in the investigators’ presented cases.

If convicted, Marchesani could face a maximum sentence of five years imprisonment in Belgium, despite never having visited the country, according to his lawyers.

The Belgian prosecutor aims to conclude the probe by early September, with plans to take the case to a full criminal trial.

In another legal case relating to the crypto sector, Faruk Fatih Ozer, the founder and former CEO of Thodex, a prominent Turkish cryptocurrency exchange, has been handed an 11,196-year prison sentence for fraud and other crimes.

As reported, Ozer was convicted on various charges, including fraud, leading a criminal organization, and money laundering.

Charles Crawford

[roxaitech]

Stripe and Bitstamp to Enhance Crypto On-Ramp Services in Europe

Stripe provides a customizable widget that developers can integrate into their products, enabling the conversion of cryptocurrencies and the instant settlement of transactions. Currently, it supports a variety of cryptocurrencies, such as Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Stellar (XLM), and USD Coin (USDC). However, this widget will not be available to customers in the UK, according to the official announcement.

In this collaboration, Bitstamp will assist Stripe in managing the conversion from fiat to cryptocurrency and the transfer of funds to consumers. This partnership will also enhance Bitstamp’s Bitstamp-as-a-Service offering, a white-label version of its crypto trading platform tailored for banks and fintech companies.

Bitstamp Updates Platform to Align with MiCA Regulations

Bitstamp has made updates to its platform in order to comply with the European Union's Markets in Crypto Assets (MiCA) regulation, which came into effect on June 30, 2024. These updates highlight Bitstamp’s dedication to adhering to evolving regulatory standards in the fast-changing crypto space.

One notable change was the removal of the euro-pegged stablecoin EURT from the list of available currencies ahead of the MiCA deadline. While Bitstamp still offers electronic money tokens (EMTs) not tied to the euro, these will only be available to European users through select products. Bitstamp has also clarified that it will not introduce or promote new EMTs that do not comply with MiCA regulations.

Bitstamp executives have expressed support for MiCA’s implementation, viewing it as an important step toward creating a unified cryptocurrency regulatory framework across the EU. They believe the regulation will provide consumer protection while allowing the crypto industry to grow. The exchange is proactively communicating with affected customers to ensure a smooth transition.

[fintechpoliciestemplates]

Modèle de plan d’affaires pour une plateforme de stablecoin adossée à une devise Modèle de Plan d'Affaires : Plateforme de Stablecoin Adossée à une Devise Ce modèle de plan d'affaires offre une structure complète pour le lancement et l'exploitation d'une plateforme de stablecoin adossée à 100% à une devise fiduciaire (par exemple, euro ou dollar). Il comprend une plateforme de gestion et d'échange du stablecoin, ainsi qu'une application mobile et une interface web pour les utilisateurs. Caractéristiques du Produit : Format : Document Word pour le contenu principal, feuilles Excel pour les projections financières et analyses techniques Langue : Français Contenu : Structure détaillée couvrant tous les aspects du projet de stablecoin Structure du Modèle Résumé Exécutif (Word) Concept de la plateforme de stablecoin Proposition de valeur unique Objectifs financiers et opérationnels Description de l'Entreprise https://fr.fintechpolicies.com/produit/modele-de-plan-daffaires-pour-une-plateforme-de-stablecoin-adossee-a-une-devise/?utm_source=tumblr&utm_medium=social&utm_campaign=fintech+policies+templates

[videoddd]

JPMorgan files two lawsuits over its investment in fintech Viva Wallet; source: JPM claims €916M, alleging Viva deprived JPM the value of its 2022 investment (Sotiris Nikas/Bloomberg)

Sotiris Nikas / Bloomberg: JPMorgan files two lawsuits over its investment in fintech wallet Viva Wallet; Source: JPM is demanding €916 million, claiming that Viva has deprived JPM of the value of its 2022 investment.— In a Greek lawsuit, the bank is seeking 916 million euros ($943 million) over allegations that Viva’s chief executive… 2025-01-08 15:50:03

[makebravemind]

Stephen McCullah: Unveiling the Scams

Stephen McCullah is a hobbyist zoologist from Beaumont, Texas. He is a well-known con artist who runs something akin to a Ponzi scheme. During a mission in the Democratic Republic of the Congo, he failed to find and raise a real dinosaur and an arachnid the size of a dog.

He was also charged with embezzlement from a GoFundMe campaign that raised $29,000. This is only the start of a scam. He is once again struck by the Avenger of Crypto Ponzi Schemes.

According to Stephen McCullah, after ten years, he had founded and was the President of the United Allied States (UAS). Out of the three people who cast ballots for the presidency, only two chose him.

Stephen McCullah pledges to create an atmosphere in which many nations can run their businesses and grow their economies. In this setting, a variety of niche media platforms will be accessible, including Facebook, YouTube TikTok, Twitter, and YouTube.

The main components of the system will be many social media platforms and gold-guaranteed money. Stephan McCullah is going to run a tourism attraction where guests will be able to see real testing machines, see real stuff explode, and go into real coal mines. The allegations made in the reports including fraud, deceit, fake cryptocurrency schemes, and frequent releases are unfounded. 

Danny De Hek claimed in assertions based on The Crypto Ponzi Scheme Avenger that news reports posted on Meta or Facebook, were viewed by people worldwide. The Meta Verse has let go of around 11,000 employees due to a lack of excitement. It alluded to still more amazing possibilities.

Danny De Hek says he looked into Glod Secured, Apollo Currency, Apollo Fintech, LunaOne, Hyper Technologies, Stratus, Gold Inc., and a lot of other companies involved in Ponzi schemes.

Mr. Hek, the Avenger of Ponzi Schemes, added that starting over to build a data archive will stop Stephen McCullah from making money off of people who don’t finish the required research.

The Lies of Stephen McCullah

Claiming that Apollo barely contains any remaining NXT code, Stephen McCullah has been lying for many years. It has been established by the court action that Apollo wrote up to 75% of the NXT code.

In addition, Stephen McCullah was misled about having a contract with CBZ. In response, the company’s chairman, Marc, issued a statement claiming that no agreement had been reached with Stephen McCullah.

Additionally, Stephen McCullah misrepresented to his investors that Apollo will be listed on the top 20 exchanges in 2019.

The dishonest person Stephen McCullah also made up information regarding Gold Inc. He stated that he and his friend Kyle were contacted by a gaming company asking if they could utilize Apollo’s blockchain for their games. The game organization declared that they would not give them any support after this information became public.

To Take Stephen McCullah’s Videos Down from the Social Media Site

The letter was filed against YouTube Channels by Harman Lawyers. An official letter has been received by Harman Attorneys stating that,

To serve as an official response to the cease-and-desist request in the communication. It contained three crucial elements:

The owners of the YouTube channel state that they have no intention of removing any content that mentions Apollo Inc., LunaOne, or Stephen McCullah.

It has been declared by Danny De Hek that he would not be posting any apologetic comments on his YouTube channel.

It states that they will not pay back the legal bills for Stephen McCullah.

Consequently, YouTube channels declared that they would be willing to remove the videos as long as Stephen McCullah paid back the money he had taken from the victims. 

Names and Amount that has been invested 

Martin 10,000 euro 

Tracy P $18,700

Ann B $5289.50

Susan A $75,000

Vinka C $7500 

John A $921.90

Martin T $17,504

Brian B $5000

Dean S $6000

Rebecca R $1200

Amanda K $4850 and many more. 

The YouTubers claim that because none of the associated financial losses have been made good, they are taking legal action against them. Along with any other people who might have suffered financial loss or obligations, it also includes all investment businesses for refunds, such as Apollo Currency, Apollo Fintech, Gold Secured Currency, LunaOne, and Hyper Technologies.

The letter claims that LunaOne’s owner, Stephen McCullah, promoted early coin sales, enabling many people to purchase the company’s tokens before they were listed on a trading platform. On the specified day, Stephen McCullah did, in fact, barely offer a coin for sale.

According to the preview value, Stephen McCullah would launch several coins at a $0.25 exchange rate as opposed to a $0.05 one. They therefore have some recordings and remarks from those who say they were tricked.

Numerous issues are reportedly up for testimony at the New Zealand High Court in order to file accusations of serious deceit against Stephen McCullah & LunaOne.

Stephen McCullah’s Assessment of Investors

Robert McCullah, Stephen McCullah’s father, received a letter from Martin Kingsbury alerting him of his son’s deceit.

Mr. Marting claimed he had to cheer him up about his son Stephen McCullah, the scammer, who embodies one of the worst lifeforms on Earth. Mr. Martin asserted that he was the innocent victim of blatant lies and deceptions committed by Stephen McCullah Hyper Technologies Inc., trading as LunaOne XLN currency.

I, along with numerous other investors, have invested in Stephen McCullah’s fraudulent activity, and I am pursuing legal action to inquire further. Mr. Martin went on to say that he had repeatedly sent information about the scam to LunaOne but had received no response at all.

Views from Customers Regarding Stephen McCullah Scam Video

A video titled “Stephen McCullah’s Crypto Frauds, Rug Pulls, and Fraudulent Investors” was posted by YouTuber Danny De Hek. Many customers watched the movies and left comments on them.

The investor claims that XLM is a huge hoax, and its early sales screwed him over.

The investor claims that after investing about $35,000 in LunaOne, he was tricked.

In response to the investor’s comments, Danny De Hek sent the group a link to his Telegram account, APLtehTruth, so they could see the scammer’s pitiful attempts to avoid going to court. 

Numerous Investors React to Apollo Currency P&D & Fraud Allegations Made by Stephen McCullah

The investor who put money into Stephen McCullah’s company claimed that many people would learn about the entire scam if the essay titled “Pump and Dump Accusation” was posted online. It is composed of the blockchain, which has tens of millions of tokens that have been moved from banks and can be exchanged for trillions of APL. The price decreased by 78% in a minute.

Steve McCullah addressed the issue in the post, and I would want to bring him up here:

As previously stated and according to Stephen McCullah, there is no reason for anyone connected to the Apollo Foundation to list their shares on any exchange because we frequently receive OTC bids from buyers who purchase amounts that are too large for platforms.

The most noteworthy fact of the moment is when an investor calls Stephen McCullah a liar while omitting any good remarks about him.

Apollo’s founder is a liar!

About Stephen McCullah 

Stephen McCullah is a well-known businessman from Houston, Texas, who has worked in the banking, software, and metals manufacturing industries.

The accusations state that APL is a massive scam that has made Stephen McCullah rich and that he is a con man. CryptoSlate looks into these claims and finds evidence of dishonesty, allegations of sabotage, and an odd trip to the heart of the Democratic Republic of the Congo.

The Bottom Line

Con man Stephen McCullah has made a fortune by robbing people of their money and never giving it back. The proof exposed LunaOne’s illicit activities and backed Mr. Stephen’s schemes, according to Danny De Hek’s film.

He also brought up Stephen McCullah’s preorder offering, which encouraged customers to buy LunaOne currencies ahead of time before they were listed on a trading platform.

Accounts indicate that historical details and information on Stephen McCullah are accurate. Numerous cryptocurrency businesses, including as Apollo Currency, Apollo Fintech, Gold Secured Currency, Luna One, Hyper Technologies, Stratus, and Gold Inc., were formed by or connected to Stephen McCullah. McCullah seems to have a significant impact on the technology industry.

Even worse, it was discovered that Stephen McCullah may have used the trading site to purchase coins at a lower cost and then handed them to the first customers who made larger purchases. His deceitful behavior reinforced the accusations of fraud made against him.

[renatoferreiradasilva]

Governança Local, Pequenas e Médias Empresas e Estabilidade Cambial: Uma Estratégia para o Crescimento Sustentável

Imagine uma pequena cidade que passou de dependente de uma única indústria para prosperar com uma rede diversificada de empresas, impulsionada por políticas locais eficientes e inovadoras. Essa transformação destaca o impacto estratégico da governança local e das pequenas e médias empresas (PMEs) na construção de economias resilientes e no fortalecimento das moedas nacionais.

Este artigo argumenta que, ao empoderar a governança local e fomentar PMEs dinâmicas, as nações podem construir economias mais resilientes, alcançar maior estabilidade cambial e promover um crescimento inclusivo e sustentável. Exploraremos como estratégias bem elaboradas nesses pilares podem reduzir desigualdades regionais, aumentar a competitividade e preparar economias para enfrentar os desafios impostos pela globalização, digitalização e mudanças climáticas.

O Papel da Governança Local no Desenvolvimento Econômico

Descentralização: Um Motor de Eficiência

A governança descentralizada é um dos elementos centrais do desenvolvimento econômico. Políticas adaptadas às realidades locais otimizam a alocação de recursos, promovem a equidade e estimulam a participação comunitária. Segundo Elinor Ostrom (1990), a descentralização aumenta a transparência e a confiança, criando ambientes favoráveis para investimentos e parcerias.

Estudo de Caso: Suíça

Os cantões suíços exercem autonomia fiscal e legislativa, permitindo políticas regionais alinhadas às demandas locais. Essa abordagem promove um ambiente econômico robusto e contribui para a estabilidade do franco suíço.

Estudo de Caso: Gana

Gana tem demonstrado como a descentralização pode melhorar a prestação de serviços em áreas rurais, como saúde e educação. Apesar dos desafios fiscais, os ganhos em inclusão e desenvolvimento são significativos.

Governança Digital: Aprimorando a Transparência e a Confiança

A digitalização está remodelando a governança local. Ferramentas tecnológicas aumentam a eficiência, reduzem a corrupção e atraem investidores ao criar um ambiente mais transparente.

Estudo de Caso: Estônia

A Estônia lidera com sua infraestrutura de e-governança, que simplificou processos administrativos e aumentou a confiança dos investidores. Este modelo transformador mostra como a tecnologia pode alavancar economias locais.

Pequenas e Médias Empresas: Motores do Crescimento Sustentável

A Importância Econômica das PMEs

As PMEs são a espinha dorsal das economias globais. Representando 90% das empresas e gerando 50% dos empregos mundiais (Banco Mundial, 2023), elas trazem inovação e adaptabilidade, essenciais para a diversificação econômica.

Estudo de Caso: Mittelstand da Alemanha

Na Alemanha, as PMEs do Mittelstand se destacam por sua alta especialização, desempenhando um papel crucial no superávit comercial do país e na estabilidade do euro.

Barreiras ao Desenvolvimento de PMEs

Burocracia, impostos elevados e crédito limitado dificultam o avanço das PMEs, especialmente em economias emergentes.

Estudo de Caso: Argentina

Na Argentina, essas barreiras contribuíram para déficits comerciais e instabilidade cambial, destacando a necessidade de melhores estruturas de apoio.

Transformação Digital e Sustentabilidade

A tecnologia tem aberto novos horizontes para as PMEs. Plataformas digitais, como fintechs e e-commerce, ampliam seu alcance global, enquanto práticas sustentáveis fortalecem sua resiliência.

Estudo de Caso: Dinamarca

PMEs dinamarquesas exemplificam como a sustentabilidade pode ser um diferencial competitivo, liderando projetos em energia limpa e economia circular.

Governança Local, PMEs e Estabilidade Cambial: Uma Relação Dinâmica

Como Economias Locais Influenciam Moedas Nacionais

A relação entre economias locais e moedas nacionais é intrínseca. PMEs dinâmicas e governança forte resultam em:

Fortalecimento da Balança Comercial: Maior produção local reduz a dependência de importações.

Controle da Inflação: Economias locais robustas mitigam aumentos de preços.

Confiança do Investidor: Governança transparente gera confiança.

Impulso no PIB: PMEs fortalecem o crescimento nacional, beneficiando a estabilidade monetária.

Estudo de Caso: Sudeste Asiático

Vietnã e Tailândia demonstram como políticas focadas em PMEs podem diversificar economias e estabilizar moedas, destacando-se em programas de crédito, incentivos fiscais e infraestrutura.

Sustentabilidade e Resiliência

PMEs como Agentes de Sustentabilidade

Por sua flexibilidade, as PMEs estão bem posicionadas para adotar práticas como economia circular e energia renovável, contribuindo para a resiliência econômica e ambiental.

Estudo de Caso: Dinamarca

As PMEs dinamarquesas são pioneiras em soluções inovadoras de energia limpa, fortalecendo sua competitividade global.

Governança Local e Resiliência Climática

Governos locais desempenham papel fundamental na adaptação a desafios climáticos, promovendo práticas agrícolas resilientes, gestão hídrica e infraestrutura sustentável.

Estudo de Caso: Bangladesh

Iniciativas de microcrédito e assistência técnica têm ajudado PMEs em Bangladesh a enfrentar as adversidades climáticas, como inundações e salinização.

Recomendações de Políticas

Fortalecer a Governança Local

Promover autonomia fiscal e legislativa.

Digitalizar processos administrativos para maior eficiência e transparência.

Incentivar a participação cidadã na formulação de políticas.

Apoiar PMEs

Oferecer crédito acessível e simplificar burocracias.

Incentivar a inovação e sustentabilidade com benefícios fiscais.

Facilitar acesso a mercados internacionais por meio de parcerias estratégicas.

Promover Sustentabilidade

Apoiar iniciativas de economia circular e energia renovável.

Investir em pesquisa e desenvolvimento de tecnologias verdes.

Conclusão

Governança local eficiente e PMEs robustas são pilares de economias resilientes. Investir nessas áreas fortalece moedas nacionais, reduz desigualdades regionais e prepara as economias para enfrentar os desafios globais.

Os formuladores de políticas têm diante de si uma oportunidade única: ao priorizar a governança local e o apoio às PMEs, eles não apenas estimulam o crescimento econômico, mas também constroem um futuro mais sustentável, equitativo e resiliente para todos.

[territorioblockchain]

La fintech Movizzon desembarca en España, con BBVA como cliente, para expandir su negocio en Europa

Actualmente está presente en 14 países y trabaja con más de 60 corporaciones Según estimaciones propias, están generando a sus clientes un ahorro promedio de 560.000 euros al mes con las alertas tempranas de su ‘Cliente Incógnito Digital’ Uno de sus últimos estudios evidenció que el 70% de las entidades bancarias españolas reconoce la existencia de indisponibilidades temporales en alguna parte…

[complaintreviews]

Fintech Owner Faces Drug Money Laundering Accusations (Correct)

A fintech owner in London is facing allegations that he helped notorious drug traffickers attempt to launder hundreds of millions of euros through a crypto exchange platform on a scale rarely seen by European prosecutors.

Authorities in Belgium are seeking the extradition of Caio Marchesani from the UK as part of their effort to dismantle a transnational gang. They accuse the 38-year-old Italian of “knowingly and intentionally” hoarding piles of cash for Sergio Roberto De Carvalho, a Brazilian described by Interpol as one of the world’s most wanted kingpins before his arrest in 2022.

Caio Marchesani, who owns Trans-Fast Remittance, a payments business regulated by the Financial Conduct Authority, is alleged to have accepted cryptocurrency from the criminal organisation of Flor Bressers, a Belgian national known as the “finger cutter.”  Belgian prosecutors claim the cryptocurrency was used to pay for cocaine. Marchesani, who was arrested at Heathrow Airport in May, will have seven days to appeal against the order, a London judge said on Tuesday approving his removal.

Marchesani’s lawyer and the prosecution declined to comment immediately after the Tuesday ruling.

The prosecution’s case has “false, vague, ambiguous or inaccurate particulars,” his lawyers at law firm Mishcon de Reya previously said. “What is clear however, is that none of the allegations against him relate to any of his business interests in the UK.”

The efforts to extradite Marchesani is part of a broader investigation that kicked off three years ago after the Dutch government seized more than 12 tonnes of cocaine, worth more than €260 million ($278 million) at Europe’s busiest port, Rotterdam.

Authorities traced the haul to Bressers and De Carvalho, later zeroing in on Marchesani after a breakthrough in decoding encrypted communications. “He is a dark banker who receives money and moves it around at the will of the criminal organization in order to disguise its origins,” the prosecutors acting for the Belgian authorities alleged at an earlier hearing.

A trial of 30 defendants in the case, including Bressers, started in Belgium earlier this month but was immediately postponed, according to local press reports.

A pre-recorded message left by Trans-Fast’s when contacted by phone said the payment service is currently offline and it aims to restart services soon. Companies House filings from August show another owner has been added to the registry.

[thepalermo]

Dalla scalata con Italiacom al carcere, vi ricordate di Salvo Castagna? 

Qualcuno si ricorderà di Salvatore Castagna, l’imprenditore che aveva iniziato la scalata verso il successo creando un impero con diverse società che operavano nel mondo della comunicazione e della telefonia. Dopo il sequestro dei beni, e il dissequestro disposto dalla Cassazione, di lui non si è saputo più nulla.

Probabilmente in pochi sanno che l’imprenditore, che aveva conquistato un certo seguito anche grazie alle sue doti canore, sta scontando dal 2023 una pena detentiva al Pagliarelli in regime di semilibertà vigilata.

Ma dall'inizio di quest'estate ha fatto perdere le sue tracce. Dov'è ora Salvo Castagna? E' quello che si chiedono la Procura e le forze dell’ordine da quasi un mese, ovvero da quando non ha fatto più rientro in carcere dove aveva l’obbligo di andare a dormire dopo aver concluso, su permesso del giudice, la sua giornata di lavoro in una banca a Palermo.

A oggi risulta dunque latitante e ai procedimenti subiti in passato, alcuni definitivi e altri ancora pendenti in appello, si aggiunge una nuova accusa, quella di evasione, che ha provato a respingere sostenendo tramite il suo avvocato di essere un "Trade commissioner" e di godere di…

Business enterprise Insurance is really a singular, authoritative news and knowledge resource for executives centered upon danger management, hazard transfer and hazard funding.

S. airborne fighter, attack and bomber System. The corporation has outlined these features in a new marketing movie to the missile, 3 months soon after it had been very first unveiled.

La società è risultata avere omesso versamenti alle casse dell’Erario in materia di Iva e ritenute previdenziali ed assistenziali for each salvo castagna oltre 732 mila euro.

Pertanto, è da ritenere che nessuna implicazione possa sussistere circa il monitoraggio, mediante il quadro RW del modello Redditi Pf, delle disponibilità vincolate ai servizi offerti dalla piattaforma, la cui possibile “ubicazione” extraterritoriale del gestore non obbligherebbe il fruitore del servizio ai citati adempimenti.

About Fintex Fintex is devoted to revolutionizing the fintech landscape by providing cutting-edge answers that integrate electronic currencies with regular banking systems.

Se clicchi “Accetta i consensi” acconsenti in questo modo al trattamento dei tuoi dati personali mediante l'impiego di tutti i cookie presenti sul sito, fermo restando la possibilità di revocare il consenso in qualunque momento.

Non solo, ma Castagna, attraverso finte dimissioni e successive riassunzioni è riuscito ad ottenere agevolazioni in materia di contributi in realtà non spettanti e quindi a danno dell’Inps. Nel corso delle indagini sui conti bancari i militari hanno accertato poi una serie di prelievi di denaro dalle casse delle tre società con le quali l’imprenditore ha acquistato car di lusso (Ferrari, Bmw ed Audi), orologi di pregio (Rolex), viaggi e feste finalizzate alla promozione della sua figura di cantante sulla scena italiana (noti eventi musicali svoltisi in importanti luoghi siciliani occur il teatro Golden di Palermo e la Valle dei Templi di Agrigento e ribattezzati con il nome “Italiacom with Adore”).

Commenting over the launch, Salvo Castagna claimed, “The financial marketplace is in a crossroads, with digital currencies getting to be increasingly integral to worldwide finance.

Salvo Castagna, nato a Palermo nel 1977, ha iniziato a fare musica da giovanissimo, girando la Sicilia in tour con la sua band, collaborando con artisti occur Paolo Vallesi e Francesco Baccini e aiutando con il ricavato dei concerti le associazioni che si occupano della ricerca sull’autismo.

[ejesgistnews]

Dollar to Naira Exchange Rate Today Friday, October 4, 2024 - Black Market and CBN USD to NGN Exchange Rate can be accessed here on Ejes Gist News. What is 1 US Dollar to Naira Today Black Market & CBN?  As Many Nigerians continues to navigate economic challenges, the dollar-to-naira exchange rate remains a focal point for those engaged in foreign trade, investments, and travel. The black market, also known as the parallel market or Aboki FX, often reflects rates different from the official Central Bank of Nigeria (CBN) rates. Today, the exchange rates offer insight into the fluctuating value of the naira. Current Exchange 1 US Dollar to Naira Today. Dollar to Naira Black Market Exchange Rate (Parallel Market): Buying Rate: ₦1,695 Selling Rate: ₦1,705 1 US dollar to naira today CBN Official Rates: Buying Rate: ₦1,685 Selling Rate: ₦1,686 Pounds and Euro to Naira Exchange Rates Pounds to Naira (CBN Rates): Buying Rate: ₦2,180 Selling Rate: ₦2,185 Euro to Naira (Black Market Rates): Buying Rate: ₦1,850 Selling Rate: ₦1,856 1 US dollar to naira today for Online Exchange Platforms: Geegpay and Grey Geegpay Rates: EUR (€): Buying at ₦1,798.03, Selling at ₦1,800.55 GBP (£): Buying at ₦2,120, Selling at ₦2,127 USD ($): Buying at ₦1,675, Selling at ₦1,680 For Grey, the USD to NGN Exchange Rates are: EUR (€): Buying at ₦1,845.03, Selling at ₦1,850 GBP (£): Buying at ₦2,102, Selling at ₦2,205 USD ($): Buying at ₦1,670, Selling at ₦1,675 Understanding Dollar to Naira Black Market Exchange Rate. What is the Black Market? The black market is an unofficial exchange channel where currencies are traded without government regulation. Due to high demand and limited supply, this market often offers more competitive rates. Why Do People Use the Black MarketUSD to NGN Exchange Rate? Favorable Rates: Higher than official rates. Accessibility: Easier to obtain foreign currency without stringent regulatory requirements. Latest Forex news highlights in Nigeria for today, October 4, 2024: Here are some of the latest Forex news highlights in Nigeria for today, October 4, 2024: CBN introduces electronic matching system for FX transactions, to begin by December: The Central Bank of Nigeria (CBN) has announced the introduction of an electronic matching system for foreign exchange (FX) transactions. The system is expected to be operational by December 2024 and will be used to match buyers and sellers of FX, thereby improving transparency and efficiency in the market. Nigeria's crude oil production declines by 40,000 bpd as OPEC's output drops in September – Report: Nigeria's crude oil production has declined by 40,000 barrels per day (bpd) in September, according to a report by Reuters. This follows a drop in OPEC's overall output in the same month. The decline in Nigeria's production is attributed to a number of factors, including technical issues and theft. Italy targets windfall taxes amid budget deficit concerns, echoing Nigeria's recent bank levy: The Italian government has announced plans to introduce windfall taxes on banks and energy companies in order to raise revenue and reduce its budget deficit. This move echoes Nigeria's recent decision to impose a levy on banks in order to fund the country's development. Former Flutterwave employee in Kenya loses $900,000 appeal against fintech firm: A former employee of Flutterwave, a Nigerian fintech company, has lost an appeal against the firm in Kenya over a $900,000 claim. The employee had alleged that Flutterwave had failed to pay him bonuses and commissions. AfDB targets 120 million tonnes of food production by 2025: The African Development Bank (AfDB) has set a target of increasing food production in Africa to 120 million tonnes by 2025. The bank is investing $1 billion in agricultural projects in order to achieve this goal. Naira edges up against the Dollar, closes at N1,659.26 in I&E window: The Nigerian naira has appreciated slightly against the US dollar, closing at N1,659.

26 in the Investors and Exporters (I&E) window on October 4, 2024. This is the highest level the naira has reached in several months. All-Share Index drops by 1.19% despite gains in Seplat and other top advancers: The Nigerian Stock Exchange (NSE) All-Share Index declined by 1.19% on October 4, 2024, despite gains in some of the top advancers, such as Seplat Petroleum Development Company and Guaranty Trust Bank. New withholding tax regime to take effect from January 1st, 2025- FIRS: The Federal Inland Revenue Service (FIRS) has announced that a new withholding tax regime will take effect from January 1st, 2025. The new regime will increase the withholding tax rate for some types of income. Total Crypto market cap drops by 6% as liquidations hit $550 million: The total market capitalization of cryptocurrencies declined by 6% on October 4, 2024, as liquidations hit $550 million. Bitcoin, the largest cryptocurrency by market capitalization, fell by 4%. Phishing attacks and private key leaks resulted to $753 million crypto theft in Q3 -Report: A report by Chainalysis has revealed that phishing attacks and private key leaks were responsible for $753 million in cryptocurrency theft in the third quarter of 2024. NDDC Youth Internship Scheme Portal Link: Step-by-Step Guide to Apply & Secure Your Spot Davido Called Out For Smoking Next To His Wife, Chioma WhatsApp Threatens to Exit Nigeria Over FCCPC Demands, $270 Million Fine Thanks for using our platform to know the value of the 1 US Dollar to Naira Today for CBN and the black market USD to NGN Exchange Rate.

[newsexchange]

UK crypto exchange accused of hoarding piles of criminal cash and converting it to bitcoin

A fintech owner in London is facing allegations that he helped notorious drug traffickers attempt to launder hundreds of millions of euros through a crypto exchange platform on a scale rarely seen by European prosecutors.

Authorities in Belgium are seeking the extradition of Caio Marchesani from the UK as part of their effort to dismantle a transnational gang.

They accuse the 38-year-old Italian of “knowingly and intentionally” hoarding piles of cash and converting them to bitcoin for Sergio Roberto De Carvalho, a Brazilian described by Interpol as one of the world’s most wanted kingpins before his arrest in 2022, and Flor Bressers, a Belgian national known as the “finger cutter,” who was also nabbed last year.

The case puts the British financial technology scene under fresh scrutiny amid fears that its weak controls are enabling the movement of illicit funds around the world. Transparency International UK has called for tougher supervision after finding that more than one-third of UK-licensed electronic money institutions show red flags.