#upy 2018

[beardedmrbean]

Jan. 21 (UPI) -- U.S. Department of Homeland Security officers have searched a Chinese auto parts maker that a congressional committee has accused of trade fraud.

DHS officers executed the search warrant at Harco Manufacturing Group in Moraine, Ohio, on Thursday, according to the Dayton Daily News. Harco is a subsidiary of Sunsong, the Chinese parts manufacturer. Sunsong acquired Harco in 2015. The address for Harco is the same address Sunsong North America lists on its website.

There is growing concern among U.S. lawmakers that some Chinese companies are evading U.S. tariffs, the news portals Axios and Bloomberg have reported.

The search was "part of an ongoing federal investigation," a DHS spokesperson told Dayton Daily News.

In September, the House Select Committee on the Chinese Communist Party in September wrote a letter to DHS Secretary Alejandro Mayorkas accusing Qingdao Sunsong of moving some of its production to Thailand to evade U.S. tariffs.

The letter identified Qingdao Sunsong's public filings, which say the company's products are subject to U.S. import tariffs of 25% imposed on certain goods made in China and that "in order to reduce tariff costs, the issuer has accelerated production in Thailand."

In the letter to Mayorkas, Republican congressmen Mike Gallagher of Wisconsin and Darin LaHood of Illinois called Sunsong's actions a "case of blatant trade fraud that is having a catastrophic impact on American manufacturers."

"The use of transshipment to evade United States tariffs is a serious violation of U.S. law and undermines American economic and national security," the lawmakers wrote.

The Biden administration has kept many of the tariffs that the Trump administration imposed on China beginning in 2018.

China has not met its commitment laid out in a 2020 trade deal with the U.S., which required the country to increase its purchases of U.S. goods and services.

[upismediacenter]

OPINION: DiliMall: Not a Mall for All

Photo credit: Lauren Nina Andres

For decades, the UP Shopping Center (SC) was a staple for the UP community. Filled with various stores from computer shops, school supplies stores, photocopying and bookbinding services, to food stalls, and beauty parlors, among others, the SC catered well to the needs of students, faculty, staff, and even residents of the campus. However, in 2018, the well-loved SC burned down, causing vendors to be displaced and its once affordable items and reliable services to no longer be easily accessible.

After the fire, the tenants experienced difficulties with relocating and rebuilding their establishments. According to an article by ABS-CBN, the University’s Business Concession Office drew lots for the affected business owners. Those that were picked were allowed to reopen in other locations on campus, such as Vinzon’s Hall, the Food Hub next to the Fine Arts Building, the Centennial Building, and the Acacia Building, among others. Some tenants were able to rebuild at the old tennis court nearby, provided by the administration as a temporary space, and others opted to reopen in Area 2. A month later, during the 1334th Board of Regents meeting held in April 2018, former UP President Danilo Concepcion announced plans for the rehabilitation of the SC into a more modern structure. And thus, “DiliMall” was born.

The move to rebuild and rebrand the SC as DiliMall was criticized by community stakeholders because the administration’s priorities seem to be misplaced as revealed in the proposed floor plan of the structure posted by the UP Diliman University Student Council (USC) last November 24, 2023. Robinsons Easymart and other known restaurants such as Mary Grace, Pancake House, and Army Navy take up the first floor, while the space given to UP vendors is found on the third floor. Not to mention, the vendors in the tennis court are at risk of being displaced once again since the space will be converted into a parking lot.

This begs the question of whether these “development plans” are truly for the benefit of the community or are merely ways for developers and businesses to capitalize on the university.

In light of this, last March 12, the “UP Not For Sale Network” was launched, consisting of various organizations namely, the USC, Shopping Center Association, UP Academic Workers Union, UP Workers Alliance, Movement for Democratic Governance, and Local College Councils. The network calls against the commercialization of DiliMall and pushes for the prioritizing of the UP Community.

DiliMall is not just the issue

DiliMall is not the first time the UP community has faced commercialization on campus. In an article by the Philippine Collegian, USC Councilor and Community Rights and Welfare Head Kristian Mendoza claimed that DiliMall is part of the implementation of the UP Master Development Plan (MDP), a land use policy approved by the Board of Regents in 2014 aiming to “proactively and systematically” develop UP’s land assets.

Before this, the UP Administration had already begun developing idle lands of the university, approving Ayala Land’s bid to convert 37.5 hectares of land into an information and technology hub in 2006—the UP Ayala Technohub.

The UP Integrated School (UPIS) community is familiar with this issue, as the old Grades 7-10 Building was replaced with the UP Town Center in 2013 by the same developer. From our 8-hectare land along Katipunan Avenue, we were moved to a building built and donated by the Ayala Corporation, a 5-structure facility with a main 4-story building, where the Narra Residence Hall once stood. The new 7-10 Building was budgeted at P180-million, from which P40-million was allotted for upgrades to the Grades 3-6 Building.

Only 10 years later, the Grades 7-12 Building is in a state of downfall, proving to be a great inconvenience and safety hazard to the UPIS community. During the Academic Year (A.Y.) 2022-2023, grades 3-12 students had to share the 3-6 Building since the structural integrity of the 7-12 Building was still being assessed. In A.Y. 2023-2024, although the 7-12 Building was cleared for use, parts of the building have been barricaded due to the degraded structure resulting in longer detours when moving from classroom to classroom and restricted movement among students, teachers, and staff.

The new Gyud Food Hub, which opened in December 2022, posed similar concerns as the development of DiliMall with failing to prioritize UP vendors that have long served the community. In this case, vendors displaced from the Main Library received a handwritten note from President Concepcion assuring them slots in the new facility. However, contrary to the administration’s promise, these vendors were not granted a space in the hub.

Moreover, the implementation of these establishments serves to exacerbate class disparity in the university by focusing on businesses catering to higher-income consumers that exclude students and lower-income community members. Again, the firms affected by the 2018 fire incident in the Shopping Center are still grappling with getting proper spaces allocated among them where established businesses have taken precedence over them.

Additionally, vendors and business owners are not the only ones being displaced by UP’s development plans, but as well as its residents. Homes and residences were demolished and claimed in accordance with the UP MDP. Some of the affected communities were Pook Village C, residents located at the UP Arboretum in 2020, and farmers from Pook Aguinaldo in 2021. These communities and families have been residing in the said areas for decades without any issues, only for them to be evicted from their homes; their livelihoods taken away to give space for “sustainable” infrastructure projects, without proper plans for relocation.

This further demonstrates how commercialization discriminates against marginalized individuals within the UP Community and society.

Additionally, the commercialization in UP Diliman may lead to the phase-out of small local businesses and vendors that have long been an integral part of the community. This greatly affects not only their livelihood but also the culture and diversity of the university’s environment.

Concerns and detractors from the UP community continue to rise towards this issue as stakeholders of the community are negatively affected and neglected by the university. Examples of affected sectors are dormitories, classrooms, and faculty buildings, all of which are experiencing problems with their space, functionality, and facilities.

It is important to maintain and improve the academic environments of UP as this will keep the university’s name, provide equal learning opportunities, liaise with the communities, and secure student wellbeing. These areas are fundamental in the institution for they facilitate learning and contribute towards its success as a top-ranked higher learning institution. To uphold the eminence that characterizes UP, we need to give priority to the conservation and upgrading of academic spaces.

Commercialization for who?

The university insists that converging with the private sector is beneficial as income generated from these rented spaces can be directed to academic and community needs. However, based on the 2016 audit report by the Commission of Audit, it is revealed that Ayala Land Inc. has 209.2-million pesos worth of unpaid obligations to UP. The amount comprises underpayments in rent income and late interest payments for the spaces at UP Technohub and UP Town Center. This raises the question as to why the university continues to commercialize its land when the previous corporation failed to keep up with its lease agreements.

Nevertheless, the university is still in dire need of other means of income. Government funding shortages can be pointed as to why the university insists on commercializing its land assets. Despite the fact that UP’s 2024 budget increased by P508-million, amounting to P24.771-billion this year, 80% of the funds were allocated for the university’s infrastructure projects. Sectors such as utility and maintenance incurred a P1.3-billion cut, and the budget for university operations was reduced for the new budgetary focus. According to an article by the Philippine Collegian, even if the funds for infrastructure were excluded, UP still suffered a P873-million cut. Additionally, P943-million will be cut for the provision of higher education services—which may result in fewer resources allocated to quality education for students. Taking all of this into account, it can be understood why commercialization may appeal to UP—as the university is getting increasingly pressured by almost all sides of its community to take action for its funding shortfalls.

Even so, our integrity as a public education and service institution must come first. It must be emphasized that UP serves as the nation’s model for quality education, and when we allow commercialization and privatization to be fostered within our institution, it may invite other educational institutions in the country to also be dependent on for-profit provisions. Reinforcing this notion, the presence of privatized businesses as stakeholders in the university may greatly influence university decisions, academic programs, and student policies.

In the end, UP must decide between prioritizing the community's interests or pursuing commercialization at the expense of its constituents. However, we’ve experienced the effects of this firsthand: the building we’ve sacrificed for profit forced us to settle for our current building–one that is deteriorating, crumbling piece by piece. We must ask ourselves: are we going to let this happen again? If the university chooses to commercialize its spaces for funding, attention, and care for its students and community must still be sustained.

Therefore, we need to oppose the commercialization of spaces and services in our university, assert our right to quality basic academic spaces and student facilities, stand with the vendors, employees, and families affected, and call on the administration to negotiate better terms with business partners—terms that put the benefit and interest of the UP community first. Furthermore, it is important to stress the need for more funding from the government to be able to run UP’s essential activities and programs successfully. We should come together to protect the good name of our institution and meet its responsibility to the UP community and the Filipino people.

// by Kela Alcantara, Grace Gaerlan, Xia Mentes

Sources:

Abello, L. T. (2024, February 6). UP students protest increasing commercialization of campus spaces. Philstar.com. https://www.philstar.com/headlines/2024/02/07/2331536/students-protest-increasing-commercialization-campus-spaces

Abello, L. T. (2024, March 12). UP community on ‘DiliMall’ opening: ‘Do not commercialize the services to the people’. Manila Bulletin. https://mb.com.ph/2024/3/12/up-community-on-dili-mall-opening-do-not-commercialize-the-services-to-the-people-1

Chua, C. (2022, July 6). UP’s Proposed 2023 Budget Set to Fund DaniCon’s Infra Splurge in His Last Year in Office. Philippine Collegian. https://phkule.org/article/586/ups-proposed-2023-budget-set-to-fund-danicons-infra-splurge-in-his-last-year-in-office

Daduya, J. (2023, January 28). “Nabudol kami!”: UP’s small-time vendors cry foul over Danicon’s unfulfilled promises.https://csspsinag.wordpress.com/2023/01/28/nabudol-kami-ups- small-time-vendors-cry-foul-over-danicons-unfulfilled-promises/

Gavilan, J. (2018, March 8). From photocopying services to Rodic’s: What’s inside UP Shopping Center. Rappler. https://www.rappler.com/newsbreak/iq/197714-things-to-know-up-diliman-shopping-center/

Gonzales, I. (2016, February 25). Ali reviews COA findings on unpaid obligations to UP. Philstar.com. https://www.philstar.com/business/2016/02/02/1549017/ali-reviews-coa-findings-unpaid-obligations-up?fbclid=IwAR2xWm74RVI8zYPn3EHJ9eUw0jaLyj3TMVziHv6i9RFSKZuwoHnDfz-zZsU

Lara, R. (2018). Decisions of the Board of Regents 1334th Meeting, 6 April 2018. The University of the Philippines Gazette, 49(3), 23-24. https://osu.up.edu.ph/2018/04/1334/

Lirio, A. (2023, December 24). An increase with setbacks: A look into the UP System’s 2024 budget. Tinig ng Plaridel.

[turatula]

Talkshow dan Film Screening mengusung tema “Dunia Geologi di Ujung Lensa Sineas” bersama ketiga narasumber yaitu Vania Qanita Damayanti (Sutradara&Mahasiswa Prodi Film dan TV UPI), Dr. Ir. Dicky Muslim, M.Sc (Dosen Fakultas Teknik Geologi UNPAD), dan Dr. Eng. Mirzam Abdurrachman, S.T., M.T. (Ketua Program Studi Magister dan Doktor Teknik Geologi ITB) Dalam diskusi tersebut membahas Film Living on the Fault karya mahasiswa Prodi Film dan TV UPI, dan Manakarra yang Mendunia karya tim Museum Geologi. Dalam film tersebut berfokus pada dua sesar di Indonesia; Sesar Palu-Koro dan Sesar Lembang. Sutrada sekaligus penyintas dari gempa Palu pada tahun 2018 merasakan betul bagaimana sebuah kota tapi masyarakat dan pemerintah tidak siap sama sekali mengenai pengetahuan kebencanaan dan mitigasi bencana yang menjadi latar belakang pembuatan film tersebut. Tujuannya yaitu memberikan awarness dan edukasi kepada masyarakat. Pemilihan dua kota (Palu dan Bandung) karena Palu kota asal sutrada, sedangkan Bandung kota dimana ia berpijak saat ini. Menurut geologist Pak Dicky dan Pak Nirzam, masyarakat yang tinggal di sekitar sesar mengetahui bahwa mereka tinggal di zona rawan bencana karena sudah ada sejarahnya. Beliau memberikan apresiasi terhadap film tersebut karena meneropong masyarakat dan penyintas. Kearifan lokal dalam mitigasi gempa dan bagaimana sejarah suatu daerah harus digali dan dipertahankan. Dari sisi senimatografi sendiri, sutradara ingin menonjolkan kota yang memiliki sesar aktif, tetapi bukan cuma perihal sesarnya saja tapi bagimana manusia hidup disana, dan pengetahuan lokal yang ada disana. Sedangkan mengengai Batu Manakarra yang merupakan warisan sumber daya geologi asal Sulawesi Barat. Batu Manakarra sering disebut Grape Stone karena mirip dengan anggur. Penamaan batu tersebut sebagai salah satu bentuk penghargaan dari Mamuju. Batuan Manakarra hanya dijumpai di Mamuju yang dapat menjadi ikon yang langsung sasarannya UMKM masyarakat kecil. Batu Manakarra menembus pasar mancanegara dengan harga yang fantastis. (at Museum Geologi Bandung) https://www.instagram.com/p/CoFbkVLPmUm3E90DNcFnum75_6yO2SOxRUr7Dg0/?igshid=NGJjMDIxMWI=

[xtruss]

Russia, Trade Partners Build Alternative Payments Systems Circumventing US Dollar

New Currencies And Financial Systems Are being Built To Circumvent Western Economic Pressure on Moscow.

© Sputnik/Alexandr Demyanchuk/Go to the Mediabank

Russia and various trade partners are working to strengthen alternative currencies and payments systems, reducing global reliance on the US dollar and Western-based financial networks.

“Moscow keeps finding ways to keep the country's economy going,” writes business reporter Huileng Tan, describing Russia’s response to Western sanctions imposed after the launch of its special military operation against Ukraine in 2022. “Russia's trade partners, too, are looking for ways to continue doing business with the country via alternative systems to rival the Western-led, US dollar-dominated global financial order.”

Moscow has been adapting to Western financial pressure since 2014 when trade restrictions were imposed after Russia's reunification with Crimea.

“There are risks in using the global financial networks,” said Russian central bank governor Elvira Nabiullina in 2018. “Therefore, since back in 2014 we have been developing our own systems.”

Western economic aggression intensified in 2022, causing Moscow to increasingly make use of its System for Transfer of Financial Messages (SPFS). The financial messaging system is used in place of SWIFT, the Western system that has traditionally served as the de-facto global standard. SPFS is reportedly used by 556 organizations in 20 countries, with foreign organizations’ use of the system more than doubling after 2022.

Euro's Share in SWIFT Transactions Hits Historic Low in March! The share of the euro in international payments via SWIFT in March dropped to an all-time low of 21.93%, according to the global payment system's data. Photo: © iStock/Gaffera

The proportion of global transactions involving Europe's common currency fell by 1.32 percentage points month-on-month.

Meanwhile, the US dollar strengthened its position last month, gaining 0.81 percentage points from February to reach 47.37%, which is its highest level since December 2023, the data showed.

Russia has also made efforts to integrate its financial system with that of Iran, with Moscow’s Mir card payment platform now working with Tehran’s Shetab system.

Meanwhile, banking and messaging systems developed by China and India, two major global economic powers in their own right, have seen increasing use in financial transactions involving Russian entities. China's Cross-Border Interbank Payment System (CIPS) processed more than 6.6 million transactions last year amounting to $17.3 trillion. India’s Unified Payments Interface (UPI) has also expanded rapidly, threatening to pose a significant challenge to SWIFT’s dominance.

“It is significant that UPI can also be used to bypass the SWIFT banking system, enabling payments with sanctioned countries such as Russia, thereby weakening US financial hegemony,” wrote international relations analyst Evan Freidin earlier this year.

Central bank currencies and cryptocurrencies round out the selection of financial innovations utilized by Russia to maintain its robust and growing economy, with both technologies threatening to further undermine the US dollar’s global reserve currency status.

One last strategy can be revived from the Soviet era as Russia looks into economic barter with China and other countries. The direct exchange of quantities of one commodity for another cuts out the need for a currency entirely, harkening back to the days of the socialist-aligned Comecon economic organization. The tactic has been employed by various countries subjected to Western sanctions such as Cuba and Venezuela, which engage in barter with several Latin American neighbors via the ALBA–TCP bloc.

Iran's Proposal to Set Up SWIFT Analogue Added to BRICS Agenda! The BRICS leadership has put on the agenda the Iranian central bank's proposal to set up the group's own equivalent to the SWIFT payment system and create an organization to fight money laundering and terrorist financing that would be similar to the intergovernmental Financial Action Task Force (FATF). Photo: © Sputnik/Mikhail Kutusov/Go to the Mediabank

"The proposals of the Iranian central bank on the creation of a system for exchanging financial messages between members of the organization [similar to SWIFT], combating money laundering and financing of terrorism [similar to FATF] and international credit rating institutions for BRICS members were accepted by the organization on the agenda," Deputy Head of Iranian Central Bank Mohsen Karimi was quoted as saying by the IRNA news agency.

[johnthejacobs]

BharatPe Share Price Riding High on the Terrain

Introduction BharatPe, a rapidly growing fintech company in India, has been making waves in the financial market. Known for its innovative solutions and robust business model, BharatPe has significantly impacted the digital payments landscape in India. This article explores the factors contributing to the upward trajectory of BharatPe Share Price, the company's historical context, technological advancements, expansion strategies, regulatory impacts, and future prospects.

Historical Context and Establishment Founded in 2018 by Ashneer Grover and Shashvat Nakrani, BharatPe aimed to simplify digital payments for merchants in India. The company introduced a unique QR code-based payment solution that allowed merchants to accept payments from multiple UPI apps through a single interface. This innovative approach quickly gained traction among small and medium-sized enterprises (SMEs), establishing BharatPe as a key player in the digital payments ecosystem.

The Rise of BharatPe: Revolutionizing Digital Payments BharatPe's rise to prominence can be attributed to its focus on providing seamless and efficient payment solutions to merchants. By addressing the pain points of traditional payment systems, BharatPe offered a hassle-free and cost-effective alternative. The company's commitment to transparency, low transaction fees, and excellent customer support helped it gain the trust of thousands of merchants across India. This early success laid the foundation for the rise in BharatPe Share Price.

Technological Innovations and Product Offerings One of the key drivers of BharatPe's success has been its continuous focus on technological innovations. The company has consistently upgraded its platform and introduced new products and services to meet the evolving needs of its clients. BharatPe's flagship product, the BharatPe QR code, allows merchants to accept payments from any UPI app, thereby enhancing the payment experience for both merchants and customers. Additionally, BharatPe has expanded its product portfolio to include lending services, POS machines, and investment products. These technological advancements have been instrumental in driving the rise in BharatPe Share Price.

Expansion into New Markets and Services BharatPe has strategically expanded its offerings to cater to a broader range of customers. The company now provides lending services to merchants, allowing them to access working capital loans with minimal documentation and quick disbursal. BharatPe's entry into the lending space has been particularly successful, with its innovative approach to underwriting and credit assessment. This diversification strategy has enabled BharatPe to tap into new revenue streams and reduce its dependency on payment processing services, contributing to the rise in its share price.

Regulatory Reforms and Market Environment The regulatory reforms and favorable market environment have also played a significant role in the upward trajectory of BharatPe. The Reserve Bank of India (RBI) has implemented several measures to enhance market transparency and protect investor interests. These reforms have created a conducive environment for fintech companies like BharatPe to thrive. Furthermore, the overall growth of the Indian digital payments market and increasing adoption of UPI have positively impacted BharatPe's business, leading to a rise in its share price.

Financial Performance and Profitability BharatPe's strong financial performance and profitability have been significant factors in the upward movement of its share price. The company's low-cost business model and focus on operational efficiency have resulted in healthy profit margins. BharatPe has consistently reported robust financial results, with steady growth in revenues and profits. This strong financial performance has instilled confidence among investors and contributed to the rise in BharatPe Share Price.

Competitive Advantages and Market Position BharatPe's competitive advantages and market position have also played a crucial role in driving its share price upwards. The company's innovative business model, technological prowess, and customer-centric approach have set it apart from its competitors. BharatPe's ability to attract and retain a large customer base has solidified its position as a market leader in the fintech industry. This strong market position has been a key factor in the rising share price of BharatPe.

BharatPe IPO and Pre-IPO Shares The anticipation of a BharatPe IPO has been a significant factor in the market, contributing to the excitement and speculation surrounding the company's future. The BharatPe Pre-IPO shares have garnered considerable interest among investors looking to capitalize on the company's growth potential before the official public offering. The interest in BharatPe Unlisted Shares reflects the confidence investors have in the company's continued success and the potential impact of the BharatPe Upcoming IPO.

Future Prospects and Growth Opportunities Looking ahead, the future prospects for BharatPe's share price remain positive, with several growth opportunities on the horizon. The increasing digitization of financial services and the growing popularity of digital payment platforms present significant growth potential for BharatPe. The company is well-positioned to capitalize on these trends and expand its market share further. Additionally, BharatPe's focus on innovation and customer-centric approach will continue to drive its growth and enhance its share price.

Challenges and Risks While the future looks promising for BharatPe, there are certain challenges and risks that could impact its share price. The fintech industry is highly competitive, with new players entering the market regularly. BharatPe will need to continue innovating and differentiating itself to maintain its competitive edge. Regulatory changes and market volatility could also pose risks to BharatPe's business. However, the company's strong fundamentals and strategic initiatives should help mitigate these challenges and sustain its upward trajectory.

Conclusion The rise in BharatPe's share price is a testament to the company's innovative business model, technological advancements, and customer-centric approach. BharatPe has successfully disrupted the traditional payment systems and established itself as a market leader. The company's strong financial performance, competitive advantages, and favorable market environment have all contributed to the upward movement of its share price. As BharatPe continues to expand its offerings and capitalize on growth opportunities, the future looks bright for the company and its investors. The journey of BharatPe's share price advancing upwards is a compelling story of innovation, growth, and success in the Indian fintech sector. The potential for a BharatPe IPO, along with the interest in BharatPe Pre-IPO shares and BharatPe Unlisted Shares, underscores the confidence in the company's future. The anticipation surrounding the BharatPe Upcoming IPO is expected to further fuel interest and investment in the company.

[indiaepost]

India’s non-cash payment on e-com platforms rose over 58 pc in 2023: Report

India has witnessed the fastest jump in alternative remittance share for e-commerce payments in the Asia-Pacific (APAC) region, from 20.4 per cent in 2018 to 58.1 per cent in 2023, a new report has said. According to the data and analytics company GlobalData, this jump can be attributed to the widespread usage of mobile wallets, largely driven by UPI (Unified Payments Interface), which enables…

[theodore-micah]

Upgrade Your Arsenal: Where to Find Cheap Free Fire Diamonds

As one of the battle royale genre's most popular titles, Free Fire offers intense and exciting gameplay for mobile gamers. However, to truly excel in Free Fire, players need more than just skill - having the right weapons and character upgrades is key. This is where Free Fire diamonds come in. Diamonds are the premium in-game currency which give you access to exclusive cosmetic items, weapons, pets and more. But diamonds can be expensive to purchase in-game. Luckily, there are reliable third-party sellers offering diamonds at discounted prices. In this article, we'll look at the best places to score cheap Free Fire diamonds.

What Are Free Fire Diamonds?

Free Fire diamonds are the premium virtual currency used in Garena's hit mobile battle royale game. They can be used to purchase a variety of exclusive in-game cosmetics like outfits, weapon skins, emotes, and more. Diamonds can also unlock elite passes which give rewards and help players progress faster.

Diamonds can be purchased directly from the in-game store using real money. However, this can become costly over time. This is where third-party sellers come in - offering discounted diamonds while guaranteeing secure transactions.

Why Buy from Third-Party Sellers?

Here are some of the benefits of purchasing Free Fire diamonds from third-party marketplaces:

Cheaper prices compared to in-game purchases

Regular sales, coupons and promotions to save more

Secure payment and delivery methods to prevent fraud

Excellent customer service and support systems

As long as you choose a reputable seller, buying diamonds this way is safe, affordable, and convenient. Now let's look at the best third-party diamond sellers for Free Fire.

Best Sites to Buy Cheap Diamonds

1. LootBar

LootBar is one of the most trusted platforms for buying discounted Free Fire diamonds and other game currencies. They have served over 250,000 satisfied customers with instant delivery, great prices and excellent support. Some key features include:

Diamonds up to 35% cheaper than in-game store

Instant delivery, usually within 5 minutes

Wide variety of secure payment options

Round-the-clock support via Live Chat, Email, etc.

Full refund guarantee in case of issues

LootBar provides a safe and convenient way to upgrade your Free Fire arsenal on a budget.

2. GamesKharido

GamesKharido has been providing discounted in-game currencies and items to Indian gamers since 2018. For Free Fire players, they offer:

Diamond packages starting just ₹35

Instant delivery via Guest ID

Multiple payment options - Paytm, UPI, bank transfer, etc.

Lucrative referral program

GamesKharido runs regular Free Fire coupons and sales, allowing you to save even more. Their convenient payment and delivery process makes diamond shopping effortless.

3. Codashop

Codashop Philippines is a popular destination for Filipino gamers looking for the best deals on in-game currencies and items. For Free Fire, Codashop offers:

Diamond packages starting at ₱35

Instant delivery via transaction ID

Various payment methods - GCash, debit/credit card, etc.

Frequent sales and promotions

Codashop makes it simple for Filipino Free Fire players to get diamonds safely and cheaply. Their website and payment processes are easy to navigate as well.

Safety Tips When Buying Free Fire Diamonds

While most third-party sellers are reliable, you should still exercise caution. Here are some tips to stay safe:

Only buy from reputable sellers with good reviews and feedback.

Check their security policies related to payments and delivery.

Avoid sellers offering prices that look unrealistic or "too good to be true".

Pick sellers with responsive customer support.

Use secure payment options and don't store sensitive information on seller sites.

As long as you follow basic precautions, purchasing diamonds from third-parties is perfectly safe and the best way to save money.

Enhance Your Free Fire Experience

Free Fire diamonds open up a world of customization and upgrades to amplify your success. While buying diamonds directly from developers is simpler, third-party sellers give you way more value for money. We recommend trusted platforms like LootBar that offer big discounts without compromising security.

So unlock elite weapon skins, flashy character outfits and battle passes for a fraction of the cost today with cheap Free Fire diamond deals!

"Free Fire diamonds are absolutely worth purchasing from reliable sellers. The discounts allow me to get so much more for my money compared to in-game purchases!"

- Sarah, Free Fire player

[savefilescomng12]

On This Day, April 26: 16 killed in German school shooting

1 of 5 | On April 26, 2002, a German youth who had been expelled from the Gutenberg school in Erfurt, Germany, returned to the school and shot 16 people to death. File Photo by ASK/Wikimedia April 26 (UPI) -- On this day in history: In 1607, the first British colonists to establish a permanent settlement in America landed at Cape Henry, Va. In 1933, Nazi Germany's secret police, better known as the Gestapo, is formed by Hermann Goering. The Allies declared the Gestapo a criminal organization during the Nuremberg trials and sentenced Goering to die. In 1937, during the Spanish Civil War, German-made planes destroyed the Basque town of Guernica, Spain. In 1964, Tanganyika and Zanzibar merged, forming the country of Tanzania. In 1982, Argentina surrendered to British forces on South Georgia Island amid a dispute over the Falkland Islands. In 1986, a fire and explosion at the Soviet Union's Chernobyl nuclear reactor north of Kiev, Ukraine, resulted in the world's worst civilian nuclear disaster. About 30 deaths were reported in the days following the accident. It is believed that hundreds of people eventually died from high doses of radiation from the plant and that thousands of cases of cancer could be linked to the crisis.

File Photo by Sergey Starostenko/UPI In 1993, Indian Airlines Flight 491 slammed into a parked truck during takeoff and crashed minutes later near the western Indian city of Aurangabad, killing 56 people. In 1994, South Africans began going to the polls in the country's first election that was open to all. Four days of voting would elect Nelson Mandela president. In 2002, a German youth who had been expelled from the Gutenberg school in Erfurt, Germany, returned to the school and shot 16 people to death. In 2005, the last of Syria's troops left Lebanon, ending a 29-year military presence. In 2010, longtime Sudanese leader Omar al-Bashir, sought by the International Criminal Court in connection with reputed crimes against humanity in the Darfur section of western Sudan, was re-elected president in a controversial vote.

File Photo by Abderaouf Ubgadar/UPI In 2012, a U.N.-backed court convicted former Liberian President Charles Taylor of war crimes, including murder, acts of terrorism, rape, sexual slavery and use of child soldiers, for aiding rebels in neighboring Sierra Leone. He was sentenced to 50 years in prison. In 2018, a Pennsylvania jury found actor Bill Cosby guilty on charges he drugged and sexually assaulted Andrea Constand in 2004. He was sentenced to three to 10 years in prison. In 2020, the 23rd victim of the Aug. 3, 2019, shooting at an El Paso, Texas, Walmart died from his injuries. In 2021, Kanye West's Nike Air Yeezy 1 Prototype shoes sold for a record-breaking $1.8 million through a private sale facilitated by Sotheby's. It was the first recorded sneaker sale for more than $1 million.

File Photo by Richard Ellis/UPI Source link Read the full article

[david843346]

Thermal Transfer Ribbon Market: Global Demand Analysis & Opportunity Outlook 2035

Research Nester’s recent market research analysis on “Thermal Transfer Ribbon Market: Global Demand Analysis & Opportunity Outlook 2035” delivers a detailed competitors analysis and a detailed overview of the global thermal transfer ribbon market in terms of market segmentation by head type, product type, application, end-user industry, and by region.

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Growing Concern for the Prevalence of Chronic Diseases to Promote Global Market Share of Thermal Transfer Ribbon

The global thermal transfer ribbon market is estimated to grow majorly on account of the increasing practice of cashless payment using barcode scanning. Nowadays people are more and more inclined to use the QR code to complete the transaction. In 2021, Asia-Pacific processed USD 440 billion in cashless transactions, mostly UPI and QR or barcode payments.  Thermal printers carefully print these codes containing banking information to provide clearer images, which is expected to drive market growth. QR code reach increased by almost 96% between 2018 and 2020. 

Moreover, the increasing number of hospitalizations due to COVID-19 and other chronic diseases are among the factors that are expected to boost the market growth of thermal transfer ribbons. The overall hospitalization rate for COVID-19 in the UK continued to rise slightly, reaching 10.62 per 100,000 in March 2023.   Thermal printers are primarily used in the medical field to record real-time rhythm strips on heart monitors in hospitals and to print patient IDs. Thermal printheads are used in making patient wristbands, labels, freezer storage, identification, and others.  Moreover, the number of hospitals is also increasing, which drives the growth of the market. 

Some of the major growth factors and challenges that are associated with the growth of the global thermal transfer ribbon market are:

Growth Drivers:

A Surge in the Integration of IoT in Printing

New Innovation in Thermal Printing Technology

Challenges:

Poly-based materials are used in the manufacture of thermal transfer ribbons. The substance is derived from crude oil products and could lead to increased mining, ultimately impacting market growth. Moreover, the production of this poly-blade material generates a large amount of waste, which is also expected to contribute to environmental pollution and hinder market growth.  Additionally, the availability of various substitutes in the market is anticipated to limit the growth of the sector in the projected period. These are some of the major factors anticipated to hamper the global market size of thermal transfer ribbons.

By Product Types, the global thermal transfer ribbon market is segmented into wax-resin material, resin material, and wax material. The wax resin segment is to garner the highest revenue by the end of 2035 by growing at a significant CAGR over the forecast period. Ribbons made from a combination of wax and bands are extremely durable. The most important driving force of the wax-resin material segment is the strength it imparts to the belt. Additionally, this material also extends the life of printouts from your printer. In addition, it is immune to changing climatic conditions and fluctuations in temperature. It is therefore also suitable for products exposed to constantly changing temperatures. 

By region, the North American thermal transfer ribbon market is to generate the highest revenue by the end of 2035. This growth is anticipated to the increasing cases of chronic diseases leading to increased hospitalizations. Additionally, hospital bills, patient information, and medical rhythms are increasingly being printed using thermal printers. Every 40 seconds, someone in the United States suffers from a heart attack. About 805,000 people in the United States have a heart attack each year. Of these, 605,000 experience their first heart attack.  On the other hand, the market size is expected to grow due to the frequent use of barcodes for transactions in this region. The United States leads the world in QR code usage, with a total of 2,880,960 scans. A 2022 report found that 58% of adults surveyed said they were more likely to access the QR code on a menu on their mobile phones. 

Access our detailed report at:

Research Nester is a leading service provider for strategic market research and consulting. We aim to provide unbiased, unparalleled market insights and industry analysis to help industries, conglomerates, and executives to take wise decisions for their future marketing strategy, expansion, investment, etc. We believe every business can expand to its new horizon, provided the right guidance at the right time is available through strategic minds. Our out of box thinking helps our clients to take wise decisions to avoid future uncertainties.

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[beardedmrbean]

July 16 (UPI) -- In a continued crackdown on Mexico's drug cartels, the Treasury Department announced Tuesday it placed sanctions on four Mexican companies and three Mexican nationals allegedly tied to fraudulent timeshare activity used against American citizens and linked to the notorious Cartel de Jalisco Nueva Generacion.

"Cartel fraudsters run sophisticated teams of professionals who seem perfectly normal on paper or on the phone -- but in reality, they're money launderers expertly trained in scamming U.S. citizens," Under Secretary for Terrorism and Financial Intelligence Brian E. Nelson said Tuesday in a news release.

The department's office of Foreign Assets Control alleges the four Mexican companies and three Mexican civilian accountants were directly or indirectly tied to timeshare fraud lead by the Cartel de Jalisco Nueva Generacion, or styled in English as the Jalisco New Generation Cartel.

The criminal organization operates call centers in Mexico with scammers impersonating U.S.-based third-party timeshare brokers, attorneys or sales representatives, the U.S. government contends.

And about 6,000 U.S. citizens reported losing nearly $300 million from 2019 to 2023 via Mexican timeshare fraud crimes by targeting American timeshare owners often in various or complex ways in years-long schemes, according to the FBI, adding that totals what they can track legally as unreported crimes keep on.

Treasury points at four companies in Mexico: Constructora Sandgris, Pacific Axis Real Estate, Realty & Maintenance BJ and Bona Fide Consultores, which the department claims were the front companies doing business on behalf of those linked to Mexican drug cartel.

Nelson says unsolicited calls and emails may look legitimate but actually are made by cartel-backed criminals.

The Treasury claims the thee Puerto Vallarta-based accountants -- Griselda Margarita Arredondo, Xeyda Del Refugio Foubert and Emiliano Sanchez -- had family ties to individuals already cartel-linked and had allegedly aided in fraudulent activities to steal from U.S. citizens.

"If something seems too good to be true, it probably is," Nelson said.

The scam begins when a timeshare owner receives an offer to purchase their property, according to an attorney.

"They call you up and tell you that they have a buyer for your timeshare," Michael Finn of Florida's Finn Law Group, told ABC News. "They will send you documents that look real and tell you that you need to pay taxes before you can get your payment."

The Treasury Department and its partners are taking steps to deploy all available tools "to disrupt this nefarious activity, which funds things like deadly drug trafficking and human smuggling," said Nelson.

Five years ago in 2018 Treasury sanctioned two men it claimed laundered money and ran an international prostitution ring for the cartel.

The transnational CJNG, a violent Jalisco, Mexico-based organized crime syndicate, is known to traffic the large part of illicit fentanyl and other deadly drugs which typically enter via the southern U.S. border, having gone so far as to threaten Mexican journalists it views as giving the CJNG "unfair" news coverage.

And it uses illegal proceeds, like from its timeshare fraud schemes, to diversify its already-illicit revenue streams in order to keep financing other criminal activities, including the manufacturing and trafficking of fentanyl and other synthetic drugs, according to the federal government's Financial Crimes Enforcement Network.

Police seizure of illicit fentanyl pills have skyrocketed in recent years, a new study found. And pills represented 49% of illicit fentanyl seizures in 2023, compared to 10% in 2017.

The U.S. Customs and Border Protection in April launched "Operation Plaza Strike" as an offensive targeting Mexican drug cartels to disrupt the flow of fentanyl and ingredients used to make the synthetic opioid that has become a leading death of young Americans.

However, this is not the first time the CJNG has been accused by the U.S. of similar crimes. Last year in March, the Biden Treasury placed similar sanction on eight other Mexican companies it alleged had took part in a similar timeshare fraud scheme on behalf of the Cartel de Jalisco Nueva Generation.

Even at the time a Treasury official pointed to how in select Mexican tourist destinations the CJNG had already become by that point "heavily engaged" in timeshare fraud in places like Puerto Vallarta where it had gained a strategic foothold.

Last year, the U.S. claimed the accused cartel-backed companies had extracted money from victims by making unsolicited offers to buy their timeshares, and when victims accepted offers, Mexican scammers requested fictitious fees and taxes under the pretense they would facilitate the sale and give reimbursed money after closing.

[upismediacenter]

FEATURE: Atin Siyang Salubungin: “Prinsipe Bahaghari” ng Teatrong Mulat

“May mga umaawit na gumamela? Mga nagsasalitang ahas at pusa? Lumilipad na papet? Niloloko mo ba ako kaibigan?” Aba’y hindi! Natunghayan namin mismo ang mahiwagang pagtatanghal ng ating mga kaibigan mula sa Teatrong Mulat ng Pilipinas.

Anong pagtatanghal? Syempre, ano pa ba kundi ang Prinsipe Bahaghari! Nais mo ba silang makilala?

SAAN TAYO PATUNGO?

Hango sa klasikal na kwentong pambata na “The Little Prince” ni Antoine de Sainte-Exupery, ang kwento ng ating munting prinsipe ay muling binigyang-buhay ng Teatro Mulat. Sa halip na sa disyerto ng Sahara, dadalhin tayo ni Prinsipe Bahaghari sa Pilipinas upang pagmasdan ang mga hardin ng gumamela. Sino bang hindi masasabik na umawit kasama ang bagong kaibigang si Kwentista, ang mga tala, hari, at nilalang na namamalagi sa ating bayan?

Itinampok sa “Prinsipe Bahaghari” ang pagmamahal ng prinsipe sa kaniyang gumamela matapos maglakbay sa iba’t ibang mundo, at kilalanin ang iba’t ibang mga hari. May kabagalan man ang ilang bahagi ng dula, gaya ng pakikisalamuha sa mga hari, sila nama’y bumalik kasama ang mga tagpong nakakapagpabagabag! Paano nga ba umusbong ang produksyon ng gayong istorya at pagtatanghal?

ANG ATING MGA GABAY

Taong 2019 nang unang tinahak ng Teatrong Mulat ang unang mga hakbang sa pagbuo ng dula na isinulat ni Vladimeir Gonzales, sa ilalim ng direksyon ni Aina Ramolete at ng producer at assistant director na si Prop. Amihan Bonifacio-Ramolete. Kalaunan, ito ay nakalipad sa kauna-unahang pagkakataon sa online dulaan noong pandemya. At ngayong taon, muling sumabak sa paglalakbay si Prinsipe Bahaghari, at natunghayan na natin siya sa pisikal na entablado. Tunay na nga ito, kaibigan!

NGUNIT SINO NGA BA ANG TEATRONG MULAT?

Bilang pinakaunang Teatro Papet Museo sa bansa, ibinibida ng Teatrong Mulat ng Pilipinas ang mga sining, alamat, at kwentong-bayan mula sa iba’t ibang lugar sa Asya. Kinikilala din ang kanilang galing sa paglahok sa samot-saring paligsahan sa buong mundo. Batid niyo bang ginawaran din bilang National Artist noong 2018 ang founder nito na si Amelia Lapeña-Bonifacio? Bukod pa rito, madalas din silang makikita sa mga gawaing pampamayanan kasama ang mga organisasyong tulad ng HELP Learning Center Foundation at UNICEF.

Alam mo ba na bukod sa Prinsipe Bahaghari, marami na ring isinagawang programa ang Teatrong Mulat sa mga nagdaang taon! Ang ilan sa mga ito ay ang “Dalawang Bayani” (1996) at “Ang Pagong at ang Tsonggo” (1977).

MGA BAGONG KAIBIGAN

Pinaliligiran ng sining at musika ang mundo ng Prinsipe Bahaghari. Bilang mga pangunahing tauhan, sa mga papet ibinuhos ng produksyon ang kanilang galing at kakayanang pansining—mula sa pagkulay at pagguhit, paglalaro ng mga ilaw, hanggang sa pagsulat ng mga dayalogo’t awit. Kaya naman, ating kilalanin ang ilan sa mga tao sa likod ng dula!

Tinampok sa dula ang mga tauhang puppeteers. Una na rito si Prinsipe Bahaghari, na siyang pinagalaw nina Arvy Dimaculangan, Jeremy Bravo, at Sig Pecho. Binuhay naman nina Shenn Apilado, Karlo Erfe, at Harvey Rebaya Sallador ang karakter na si Kuwentista. Para sa mga hayop, ang Pusa ay pinagalaw nina Mary Allen Asuncion, Ravelyn Emerald Dar Juan, at Cian Jes Avendaño, at si Mary Allen Asuncion naman sa Ahas. Hindi rin magpapahuli si Ravelyn Emerald Dar Juan sa pagbibigay-buhay sa tauhang si Gumamela.

Para naman sa grupong sining-biswal, pinangunahan ito ni Aina Ramolete, ang direktor at isang alumni ng UPIS. Isa rin siya sa mga mangguguhit at pangkalahatang production designer ng dula. Nilikha naman ni Clariz Caingat ang mga tauhan sa istorya, at binuhay ni Napoleon B. Rivera Jr. ang mga bidang papet. Si Steven Tansiongco naman ang nagsilbing graphics and video designer, habang si Gabo Tolentino ang tumayo bilang lights designer.

Sandali, mayroon pa! Hindi rin malilimutan ang mga sumulat at bumuo ng nakatutuwang awit na sina Arvy Dimaculangan, ang music and sound designer na galing ding UPIS, at si Jessamae Gabon, ang music composer. Naging boses ng batang prinsipe si Kherwind Zane Duron, habang isinatinig naman ni Ron Capinding ang Kuwentista. Ngunit, tandaan: marami pang mahuhusay na kaibigang sa likod nitong tanghalan!

Kung nais niyo pang tangkilikin ang kanilang mga proyekto, may publikasyon inilimbag ang Teatro ukol sa kanilang proseso ng pagbuo ng dula! Naku, hindi niyo ito nanaising palampasin! Ayon sa playwright, inaanyayahan nila tayong basahin ang kanilang librong pinamagatang “Ang Paglalakbay ni Prinsipe Bahaghari,” sa Philippine Writers Series ng UP Press at Likhaan: UP Institute of Creative Writing. Matatagpuan ang kanilang teatro sa Amelia-Lapeña Bonifacio Theatre sa Quezon City at maaari niyo ring bisitahin ang kanilang social media sa Instagram (@mulatpuppets) at Facebook (Teatrong Mulat ng Pilipinas).

MGA TALANG NAGNININGNING

Naramdaman sa buong dula ang kahalagahan ng mga relasyong ito at ang pagkakabuklod natin sa isa’t isa. Sa katotohanan, unang nagkaroon ng anyo ang istorya mula sa kakilala ni Gonzales na kapwa-manlilikha sa UP, at kamag-anak din pala ng isa sa kaniyang mga unofficial mentor sa sining ng dulaan.

Makikita din ang temang ito sa direksyon ni Direk Aina. Ninais niyang gawing isang pagbibigay-pugay sa ating mga mahal sa buhay ang dula. Halimbawa nito ang kaniyang lola na nagbigay ng inspirasyon para sa tauhang si Kwentista, gayundin ang kaniyang kaibigang si Edel, na isa nang talang kumikislap sa kalangitan. Bukod dito, handog din ng direktor ang kwento sa ating mga hindi malilimutang panahon ng kabataan na nananalaytay pa rin sa ating mga puso at diwa.

HALINA’T SIMULA NA NATIN ANG ATING PAGLAKBAY!

Pagdating sa mismong dula, aba, pakiramdam namin ay bumalik kami sa aming pagkabata! Hindi ito dahil sinasabi naming pambata lang ang mga papet! Kundi dahil tunay na kahanga-hanga ang mga larawan at tagpo ng mismong palabas.

Maliit ang entablado ng Teatrong Mulat, gayunpaman, hindi ito naging hadlang sa mga ipinamalas na sining biswal at set design. Ang mismong tanghalan ay binubuo ng iba’t ibang hugis at istruktura na yari sa mga piraso ng katsa at kahoy. Gamit ang projector, inilapat ang mga larawan, salita, shadow puppets, at iba pang special effects na ipinakita sa teatro. Sa bandang gitna, may makikitang bilugang butas na naging sentro sa mga eksenang itinanghal. Gayundin, hindi nagmistulang maliit ang espasyo at nagawa nilang pagalawin ang mga papet habang sila’y nagbibiruan at nagsasayawan sa entablado. Ang lahat ng mga elementong ito ay nagbunga sa isang nakamamanghang pagtatanghal.

MGA PAPET NA LIKHA, NAKATUTUWA!

Ay, ang mga papet! Ang ating mga bida, hindi lang sa kwento kundi sa buong dula! Gawa sa rattan ang mga papet at kadalasa’y braso, ulo, at binti lamang ang gumagalaw na parte ng kanilang katawan. At isa pa, hindi sila nakapirmi lang sa isang pwesto! Sa isang papet, tatlong papetir ang nagmamando upang maging malaya ang ating mga kaibigan sa paggamit ng buong entablado. Kaya kahit hindi nagbabago ang ekspresyon ng kanilang mukha, punong-puno pa rin ng buhay ang mga papet. Isa sa mga paborito namin ay ang Pusa dahil tunay ngang malapusa kung gumalaw ito mula sa paglalakad hanggang sa pagkamot sa sariling katawan gamit ang mga paa, hindi mo mapipigilan ang sariling mapatili sa tuwa!

Nakuha naman ang loob ng mga manonood mula sa pagsasatinig sa mga tauhan pati na ng mga orihinal na kantang pinatugtog sa dula. Ubod ng husay! Talagang bibilib ka sa mga madamdaming boses sa kanilang pagpapahayag ng mga linya ng mga karakter! Kahit na medyo makaluma ang estilo ng kanilang dayalogo, hahalakhak ka pa rin sa binibitawan nilang mga biro—lalo na sa mga biro ng Kuwentista! Masigasig ang kaniyang paglalahad ng mga kwento at punong-puno ito ng karakter. Ganoon din ang ating munting prinsipe! Tiyak na ika’y maaaliw sa usapan at kalokohang namagitan sa kanilang dalawa. Mula umpisa hanggang dulo, mapupukaw ang iyong atensyon sa magandang interaksyon ng dalawang pangunahing tauhan.

At kung ito’y kulang pa, tiyak na mapapasabay ka naman sa mga awit at alindog ng mga haring nakilala ni Prinsipe Bahaghari!

ANG KANILANG MGA KWENTO

Syempre, hindi magpapahuli ang mismong kwento ni Prinsipe Bahaghari. Ang kwento ng buong dula ay punong-puno ng emosyon, tulad ng pagmamahal at pangungulila, at mas pinaangat ito ng huling tagpo nang pinaalala nila sa atin na kailangan natin magparaya at huwag ibaon ang sarili sa dalamhati. Makikita sa mga papet ang kalinga ng bawat tao sa likod ng produksyon dahil nais nilang iparamdam, ika nga ng prinsipe, na binabago tayo ayon sa pagmamahal na ibinibigay sa atin. Sa huli, ang inyong samahan at oras na ginugugol para sa isa’t isa ang nagpapabukod-tangi sa inyo mula sa iba.

Pinalalim pa ito ng paggunita at dedikasyon sa wakas ng pagtatanghal—“Para Kay Edel.” Ramdam mo na ibinuhos ng Teatrong Mulat ang kanilang pagmamahal at taos-pusong pagsisikap para lamang ihandog ang dula sa isang kaibigang wala na sa ating piling. Naging malamlam man ang pagpapatuloy, hinangad nilang maipakilala sa mga tao ang mahal na kaibigan, na tulad ni Prinsipe Bahaghari, maraming naituro at binago sa kanila. Gaya nga sa dula, sila’y tumitingala sa mga bituwin sa kalangitan, hinihiling na sana’y nakauwi at nakakapagpahinga na ang kanilang kaibigan.

SA MULING PAGKIKITA, KAIBIGAN!

Masasabi naming binago kami ng Teatro sa ipinamalas nilang talento at sa paghandog sa amin ng aliw at pagmamahal. Talagang nanaisin mong balikan ang mga tinahak na mga planeta at kamustahin ang mga kaibigang nabuo sa kwento ng batang prinsipe! Kaya, mga kaibigan, kayo’y aming iniimbitahan na kamustahin ang mga makata at manlilikha ng Teatrong Mulat! Hindi-hinding niyo ito pagsisisihan. Hanggang sa susunod na paglipad, paalam! // nina Zaeda Wadi at Eda White

[rohitpalan]

Online Payment Gateway Market Surges: Projected to Reach US$ 117.5 Billion in 2023

The online payment gateway market size is projected to be valued at US$ 117.5 Bn in 2023 and is expected to rise to US$ 293.9 Bn by 2033. The sales of online payment gateway are expected to grow at a significant CAGR of 9.6% during the forecast periodFuture Market Insights, Inc., Tuesday, December 27, 2022, Press release picture

One of the main drivers of the market’s expansion is the growing digital transformation of organisations all over the world. Additionally, growing technical breakthroughs have made it possible for financial service providers to supply customers with novel digital offerings.

Governments around the world are working to spread awareness of internet services in rural areas.

In order to deliver fast internet services, the British government invested USD 5.9 billion in the nation’s rural areas in 2020. A shared rural mobile phone network project that the government invested USD 606.3 million in in 2020 was intended to provide 4G connectivity to 95% of the nation’s rural areas in the upcoming years.

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To provide merchants and customers with a digital payment’s infrastructure, e-commerce enterprises are collaborating with payment service providers. Due to the volume of transactions managed by merchants, gateway systems have been increasingly incorporated into their sales channels.

In order to provide real-time payment options to customers and businesses, numerous banks worldwide are working to form alliances with payment gateway service providers.

Yes Bank announced in November 2021 that it will be working with Amazon Pay and Amazon Web Services (AWS) to offer a real-time payment system via the Unified Payment Interface (UPI) transaction capability.

Key Takeaways from the Online Payment Gateway Market

In the United States, it is predicted that in 2022, more than 80% of transactions are unlikely to involve cash due to growing acceptance from SMEs. Additionally, it is predicted that online payment transaction values would increase by more than 15% between 2020 and 2025.

In 2020, Europe accounted for roughly 25% of the global market for payment gateways. The region’s market is underpinned by a strong regulatory environment for payments and a highly saturated card use rate.

Due to the rise in smartphone usage, Asia-Pacific is far outpacing other areas in terms of the adoption of online transactions. According to the GSMA, Asia’s mobile internet penetration will increase from 45% in 2018 to 62% in 2025.

The ORF research claims that start-ups and several young entrepreneurs are propelling. In the Indo-Pacific region as of 2020, there will be 55,200 start-ups. Due to mergers and acquisitions and intra-ASEAN investments, digital start-ups are expanding regionally.

In 2021, the hosted segment dominated the market and generated more than 57.0% of total revenue. Due to elements like simple payment setup processes and decreased merchant liability, the demand for hosted payment gateways is rising among retailers.

With the top six suppliers controlling more than 70% of the market’s revenue, the payment gateway market is still largely consolidated. The majority of the market was accounted for by PayPal, Stripe, and Square.

Competitive Landscape

With the existence of well-known firms like PayPal and Stripe, the Online Payment Gateway Market is very competitive. Other businesses, meanwhile, are attempting to achieve greater market shares by engaging in mergers and acquisitions in order to attract more customers.

PayU stated in January 2020 that it will buy a majority share in PaySense, a digital credit platform. LazyPay and PaySense, two of PayU’s consumer lending companies, will combine their business activities as part of the acquisition in order to create a full-stack digital lending platform in India.

In a partnership announced in January 2020, PayPal Holding Inc. and UnionPay International (UPI) will collaborate to hasten the expansion of their respective networks. In accordance with the contract, PayPal agreed to support UPI acceptance everywhere PayPal is accepted, giving UnionPay cardholders more options when they shop.

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Market Segmentation

Online Payment Gateway by Application:

Online Payment Gateway for Large Enterprises

Online Payment Gateway for Small and Medium Enterprises

Online Payment Gateway by Mode of Interaction:

Hosted Payment Gateway

Pro / Self-hosted Payment Gateway

API / Non-hosted Payment Gateway

Local Bank Integration

Direct Payment Gateway

Platform-based Payment Gateway

By Region:

North America

Latin America

Europe

South Asia & Pacific

East Asia

Middle East & Africa (MEA)

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Fintech Startups of Silicon Valley of India that are in the limelight in 2024

India celebrates the spirit of entrepreneurship and innovation throughout its length and breadth. Even though 2023 wasn’t one of the best years for startup culture, 2024 brings new hope, especially in the fintech in Bangalore. With the second-largest base of internet users in the world, this has had a direct impact on the demand for digitised financial services. In fact, India emerged as a global fintech power and ranked third in the world in terms of total fintech companies in bangalore (as of 2024) In this blog, we will list the top startups in Bangalore. According to the reports3, over 3,085 companies are currently (as of August 2023) operating in the fintech in Bangalore. Many of these companies are in the payments sector, followed by lending and wealth tech. As the startup companies in Bangalore expand, many players are focusing on niche sectors. Needless to say, the development has been nothing short of rapid. Today, we aim to bring those fintech startups in bangalore to the limelight they all deserve. Razorpay: One of the major fintech startups in Bangalore, Razorpay is a developer-friendly payment gateway offering a suite of products, including checkout tools and automated vendor payment solutions. The goal is to facilitate quick online payments and provide a fully functional current account, making it a versatile solution for businesses in India. Razorpay supports various payment methods such as credit cards, debit cards, net banking, UPI, and popular wallets. Stripe: Stripe, one of the main fintech startups in bangalore, specializes in enabling online businesses, both big and small, to accept credit and debit card payments securely. Audited as a PCI compliance level 1 service provider, Stripe encrypts and secures credit card information with regular security scans. Used by major brands like Lyft, Amazon, and Shopify, Stripe processes over 90% of personal credit card information. BharatPe: Co-founded in 2018, BharatPe is one of the biggest Indian fintech companies in Bangalore, known for pioneering UPI payments and digital money lending for merchants. A single QR code facilitates payments from multiple UPI applications, and the company has expanded its services to provide loans. BharatPe made $93.33 Mil in revenue in the financial year 2021 and also owns the peer-to-peer lending platform, 12% Club. MoneyTap: Specialising in online personal loans in India, MoneyTap as one of the top fintech startups in Bangalore offers credit lines up to 5 lakhs. Enjoy flexibility with repayment tenures up to 36 months, and pay interest only on the amount used. Tailored loan options cover diverse personal needs, from education to travel and weddings. MoneyTap stands out for its secure, collateral-free model, providing a hassle-free borrowing experience. Viva Money: Viva Money is the latest and emerging as one of the top startups in Bangalore with its financial platform catering to individuals in Karnataka, offering quick cash and instant personal loans during unexpected financial needs. The platform welcomes people from diverse backgrounds, whether salaried employees or business owners. The user-friendly app ensures a seamless, digital lending process. Just upload your documents online, and your loan gets approved within minutes. A standout feature of Viva Money is providing interest-free loans in Karnataka, up to ₹2,00,000, with a repayment window of 51 days from disbursal. Notably, no collateral or securities are required, making Viva Money an accessible option for a broad range of individuals. Wrapping Up There has been a significant revolution in the Fintech industry in the past decade. The inception of various apps has transformed the way people transfer cash, take loans, invest in stocks and gold, and other use other financial services. Fintech companies in Bangalore have made it possible and brought the once unimagined advancement level.

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