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Branchless banking and Contactless payment In many countries, mobile phones are used to provide mobile banking services, which may include the ability to transfer cash payments by secure SMS text message. Kenya’s M-PESA mobile banking service, for example, allows customers of the mobile phone operator Safaricom to hold cash balances which are recorded on their SIM cards. Cash can be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country and can be transferred electronically from person to person and used to pay bills to companies.
Branchless banking has also been successful in South Africa and the Philippines. Zidisha uses mobile banking for loan disbursements and repayments, transferring funds from lenders in the United States to borrowers in rural Africa who have mobile phones and can use the Internet. Eventually, the idea spread and in , the Philippines launched the country’s first commercial mobile payments systems with mobile operators Globe and Smart.
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We are a member of the Online Dating Association ODA which was set up to ensure high standards of behaviour by dating service providers serving the UK. As an ODA Member we are required to have appropriate and effective arrangements in place for dealing with complaints and enquiries. The ODA provides general information on common enquiries users have about dating services but will not deal directly with individual complaints which are properly the responsibility of member companies.
The ODA monitors enquiry and complaint levels and the issues complained about. It can intervene if it sees worrying trends or serious matters of concern. Further information about ODA can be found here.
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There are many resources out there, which can help you through this period and they are there to be used. In time, with the encouragement of friends and family, you will gradually gain confidence and a more independent you will face the world. The prospect of making a few positive changes will be exciting. This is not something to be taken lightly, of course, especially if young children are involved.
Read More Widow and Widowers Dating Again Dating again and meeting other singles could change your life for the better, but initially, the thought of being with someone else will be daunting. A widow dating site is a good place to start! Read More Getting Started in a New Relationship Assessing the intentions of someone in a new relationship can only be understood after a period of time together. Sharing interests and developing new ones is a good way to form bonds, and will be the basis of your developing relationship.
If you want some tips on how to get started, we have a range of articles offering guidance and advice, from the initial stages of contact to the more serious side of a relationship. We also offer some insights into creating your perfect dating profile and how to proceed in the early stages of romance.
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Social trends Since the s, Internet dating has become more popular with smartphones. The stigma associated with online dating dropped over the years and people view online dating more positively. Further, during this period, the usage among to year-olds tripled, while that among to year-olds doubled. Online introduction services In , a variation of the online dating model emerged in the form of introduction sites, where members have to search and contact other members, who introduce them to other members whom they deem compatible.
Introduction sites differ from the traditional online dating model, and attracted a large number of users and significant investor interest. Such sites earn revenue from a mix of advertising and sale of additional options. This model also allows users to switch between free and paying status at will, with sites accepting a variety of online currencies and payment options.
Since advertising revenues are modest compared to membership fees, this model requires a large number of page views to achieve profitability. However, Sam Yagan describes dating sites as ideal advertising platforms because of the wealth of demographic data made available by users. While some sites conduct background checks on members, many do not, resulting in some uncertainty around members’ identities.