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How Generation Z will shape the future of payments

first_imgGen Z (those born between 1995 and 2015) is growing up, graduating from high school and college, and becoming increasingly influential in the payments space. They are bringing their comfortability with technology and change with them. From growing up using computers and the internet, they are uniquely aware of both the challenges and benefits of adopting new technology. Gen Z is currently exploring and pushing the boundaries of modern payment methods, and what they find and like will shape the payments landscape of tomorrow. Credit unions will have to stay on top of – and ahead of – these trends if they are going to compete for the attention of Gen Z, which is actively being targeted by new digital banks and other financial institutions.Embracing Change (We Need Options!) The world today is changing and growing at a faster rate than ever before, and payments are no exception. Gen Z may be the most diverse generation in the way that they make payments. From talking to friends, I discovered that we have a variety of different preferences. A majority still prefer the simplicity and budgeting of debit cards; they don’t want to worry about spending more than they have. They also know the most about debit cards, how to use them and the security risks associated with them. Some prefer the rewards and credit-building capability of credit cards, and they pride themselves on staying on top of their finances, so it is not difficult for them to manage monthly payments. Others are exploring the capabilities that digital wallets have to offer, learning that they no longer have to carry a physical wallet or cards that could be lost or damaged. It is also very likely that the way we will make payments in just a decade or two is impossible to even conceptualize right now. Who could have imagined a store like Amazon Go just 10 years ago? It is important that we are not married to one form of payment, and that we stay open to adopting new methods that prove to be more convenient and secure. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

TOP Ships Seals USD 92.5 Mn Sale and Leaseback Deal

first_imgGreek shipowner TOP Ships has concluded the USD 92.5 million financial deal for two Suezmax newbuilds under construction at Hyundai Samho Heavy Industries in South Korea.  The deal with an undisclosed Chinese leasing company was announced in September this year.The sale and leaseback agreements envisage for the two newbuilds to be sold following their delivery from the shipyard in April and May of 2019, respectively. The proposed financing deals include pre and post-delivery financing and have a term of seven years. The company can buy back the vessels after the three year anniversary of each vessel’s delivery up until the expiry of the agreements.Once delivered, the vessels are scheduled to enter into three-year time charters with an oil major at a daily charter rate of USD 25,000 per vessel.“Our Suezmax vessels, which account for the largest portion of our newbuilding capital expenditure, are now fully funded,” Evangelos Pistiolis, the President, Chief Executive Officer and Director of the company, said.“We are now focused on arranging the finance of our newbuilding vessel that will be delivered in January following the completion of which, the company will have completely covered its capital needs in relation to its current newbuilding program.”The company also announced that it has increased the maximum borrowing capacity of the family trading credit facility to USD 25 million and that it has drawn down an additional USD 5 million from the company’s outstanding loan facilities.last_img read more

Ripley County Community Foundation Names Streator As President

first_imgBATESVILLE – The Ripley County Community Foundation Board of Directors has elected Amy Kellerman Streator to be the Foundations next president. Streator is replacing Sally Morris who will retire in December after 17 years in that position.Amy is a seasoned Attorney with 13 years’ experience as a managing partner in the Kellerman Law Firm, Batesville, Indiana.    She received her Bachelor of Arts Degree from Indiana University in 1997 with a major in History, and a Juris Doctor Degree from DePaul University College of Law in Chicago in 2000.  Amy is currently Legal Counsel to the Eagle Fire Department Oldenburg, Town of Sunman, Town of Oldenburg, and the Utilities Board for the Town of Oldenburg.Amy and her husband Randy and four children reside in Batesville and are all active in the community.  Amy is the 6th grade Basketball coach for St. Louis School; American Legion Auxiliary; VFW Auxiliary life time member; Phi Beta Psi Sorority; Batesville Chamber of Commerce; Ripley County Bar Association; Batesville Volunteer Fire Department Auxiliary; and the Batesville Sesquicentennial Planning Committee.Streator said, “It is a privilege for me to be the President of the Foundation and to continue growing the Foundation and spreading its benefits to the Ripley County citizens.”In a news release, the Foundation state that they believe Streator is well prepared to continue and surpass the growth of the 10 ½ Million Dollar Foundation and provide the leadership to enchance community pride and promote and facilitate “connecting people who care with causes that matter”.last_img read more