15.07.2015

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It’s not for want of talking – a growing consensus calls for culture to be included in the SDGs.
That is why we point out here how culture can contribute to sustainable development processes in at least three ways. First, cultural expressions can provide a way to articulate voices and ideas to reconsider the transition from unsustainable to sustainable patterns of living.
Anti-pollution laws or shipping regulations on shipping are important, but this form of cultural change goes right to the roots of Auckland’s environmental issues.
The cultural industries are, for example, a key pillar of the sustainable development plan of Burkina Faso as crafts and culture contribute to tourism. The challenge with this approach is that the role of culture is often reduced to the cultural industries alone, while its potential for sustainable development depends on combining it with recognising culturally resonant aspirations and lifestyle changes. The current sustainable development goals try to incorporate a huge number of issues and perspectives into a global agenda to change how we act. It is strong because the SDGs are more inclusive, balanced and holistic than previous attempts to set such a framework. Culture in all its facets is a reminder that as much as we need a joint global agenda, we also need to show sensibility to the different ideas, life worlds, and creative expressions addressed above that give form to the kind of transformations that are not only necessary, but also possible.
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The upcoming Need for Speed’s recent showings looked nothing short of incredible in both the reveal trailer and its gameplay demo. Being careful is second nature to some, but others never seem to take care or worry about anything at all. A true relationship is having someone who accepts your past, supports your present, loves you and encourages your future. I ain't saying I'm requesting anyone that's perfect But I just need a woman that'll make it all worth it. Consumer-facing technology brands have done much to reset customer expectations around speed, but also convenience, value and choice. The payments industry is at the confluence of many trends, some behavioural, some technological and others regulatory. The speed, certainty, coverage and cost of real-time payments is driving increasing interest in the mechanism. Enterprise technology has also advanced significantly since the first real-time payments systems were launched 40 years ago. Policy makers and regulators are clearly interested in making payments more efficient, interoperable and cost-effective, with a view to driving economic growth, innovation and financial and social inclusion. Businesses and corporates have huge scope to use real-time payments to improve their cashflow, supply chain management, stock control and reconciliation. For example, a company with a global supply chain could offer to pay suppliers ten percent of the fee in real time when goods were loaded onto a ship. For retailers, real-time payments could enable just-in-time stock management with the associated operational and cost efficiencies. For consumers, a number of possible propositions draw on the speed of real-time settlement. There is an obvious parallel with merchant acquiring, which is becoming an increasingly commoditised business at the transaction processing level. The revised EU Directive on payment services (PSD2) is intensifying the pressure on European banks. There is huge potential for banks in terms of innovative, chargeable services they can overlay on a real-time payments infrastructure based on ISO 20022. However to enable cross-border payments regionally, if not globally, requires interoperability.
Besides interoperability to facilitate cross-border payments, what needs to be in place at a domestic level to implement a real-time payments system? As with the implementation of many payment technologies — everything from EMV chip and PIN, to contactless, to mobile payments — critical mass on the consumer and merchant side together is key. Faster Payments Scheme Limited (FPSL), the company behind various UK payments systems, is looking to open up the infrastructure to a broader base of banks and PSPs to provide easier and more cost-effective access.
FPSL is introducing aggregator models plus a new settlement model between participants to encourage direct access. Unless there is a compelling reason to change, payers are not usually looking for a new way to pay.
How long will it take for real-time payments to become a reality in more and more countries, and internationally? Payments Cards & Mobile is an established and award-winning hub for global payments news, research and consulting.


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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The UN hopes the goals will form a framework of rules and ideals that can influence development plans and actions around the world. The UN secretary-general, Ban Ki-moon, stressed that “culture is at the top of this agenda”, echoing the heads of UNESCO and the UN’s development programme and various civil society organisations. But there is little room – and, it seems, little time – to build a solid evidence-based argument. And in any case “culture” is difficult to reduce to a handful of indicators in the same way that infant mortality is a good indicator of health, or female workforce participation is a useful proxy for gender equality – not that this has stopped UNESCO from trying to develop a set of cultural development indicators.
Integrated community sustainability plans outline a broad and long-term strategic vision for towns and villages – one that includes culture.
A community won’t be able to successfully transition to a more sustainable lifestyle without taking the particularity of these practices is taken into account. New Zealand’s largest urban area is surrounded by harbours and bays and is particularly vulnerable to water pollution.
In fact, the country has developed a range of internationally respected public and private cultural events (such as FESPACO, SIAO and Rendez-vous Chez Nous). UNESCO seems to recognise this – its world forum on October 2-4 explicitly focuses on both culture and cultural industries. But precisely because sustainable development is about the future we want, we should pay far more attention to the cultural “capacity to aspire”, the transformational potential of societies – and the books, movies and programmes that articulate visions of sustainable justice. They did however render a scene in-engine and put it side-by-side with a real-life photo to show off how good the game looks.
Being careful does not mean that you can not enjoy life or take any risks at all, but your safety should always be a priority.
Running across fields into your lover's arms can only come later when you're sure they won't laugh if you trip. The average attention span in 2015 was 8.25 seconds, down from 12 seconds in 2000, according to Statistic Brain. The first domestic real-time payments system was launched in Japan in April 1973, and there are currently 18 real-time systems live worldwide. Generally real-time payments are where funds transferred are available on the beneficiary’s account instantaneously, immediately or in real-time. Consumers do not necessarily understand bank back-office clearing and settlement processes, and nor should they.
There were around 4.7 billion unique mobile subscribers worldwide in 2015 (a 63 percent penetration rate), according to the GSMA, a body that represents the interests of mobile operators worldwide.
The lower costs of real-time payments versus traditional card-based or RTGS payment is also an attractive feature for regulators, as well as other participants in the payments system. This could lead to productivity and efficiency gains but also to direct bottom-line benefits. They would then pay the next ten percent when the ship arrived at its first port and so on until the ship arrived at the final destination whereupon the payer would settle the outstanding amount in full.
For example, emergency funding propositions where the transferred funds are available immediately to the beneficiary (e.g. They will be the catalyst — and perhaps the imperative — for them to devise new business cases and revenue streams. Improving access to payment accounts and increasing transparency around payments and charges are two of the main themes running throughout the Directive. Thanks to the ISO 20022 standard, real-time payments come with speed but also with richer data. Unsurprisingly, many countries with live real-time payments systems are actively looking to upgrade to ISO 20022. This came a step closer in August 2015 with the publication of the first draft of ISO 20022 messages. Historically those countries, which have already built systems on the standard have used it slightly differently. According to George Evers at VocaLink, alignment across a broad community within the country is critical. Achieving this is partly a matter of ensuring that the system supports end-user requirements from a technical and operational point-of-view. Consequently it is having to address challenges germane to real-time payment schemes generally, namely balancing access with security and the integrity of the system, particularly around 24×7 operation, payments delivered in seconds, high availability and certainty of funds.
Thus, devising compelling use cases and propositions at the right price will be critical to the take-up of real-time payments. Real-time payment has the potential to be game-changing for all participants in the payments system. We work with recognised industry experts to provide impartial, up-to-date and relevant information and analysis on every area of payments.
Yet the idea of “culture” in development was largely absent from the Millennium Development Goals that the SDGs will replace and, judging by the “Zero Draft”, the same mistake is about to be made again. Such evidence does exist, including a range of studies and reports on the subject – and academics from across the world have grouped together to investigate cultural sustainability.


Hundreds of communities have incorporated their cultural aspirations into the official vision for their future development. This argument builds on decades of development anthropology, where the bottom line is that ways of living matter in approaches to change. A project called Fluid City brought together artists, scientists, indigenous understandings and personal storytelling. These, as well as the promotion of heritage sites (such as the Opera Village and the sculpture park at Laongo and the Ruins of Loropeni) attract tourists and domestic visitors and bring in foreign currency into the country. There is such a thing as being too careful, to the point where you do not enjoy life and spend all of your time worrying about what might or might not happen. We examine the drivers, the implications for end-users and those who serve them, and what the future may hold for payments in real-time. When they can browse, buy and download digital goods in real-time, any time of the day or night, they cannot understand why the digital movement of money is not instantaneous.
When the smartphone is the device of choice for accessing the internet — and is the only means a consumer has of getting online in some countries — this cannot but change the way consumers, businesses and governments interact and transact.
In this way, real-time payments could enable businesses to offer improved invoicing terms to suppliers that could help increase working capital. When a customer ordered an item, the retailer would in turn place an order with their supplier and pay in real time. They are exploring how they add more value to customers, and devising innovative, chargeable services for which merchants would be willing to pay.
The draft was the result of work by the ISO real-time payments group (RTPG), made up of over 50 international experts. We wanted to put together a best practice guide to ensure interoperability,” explains Kislingbury, who participated in the ISO RTPG. Real-time payments based on ISO 20022 can pass richer data, but how much more data does the end-user need, and when? As will getting more participants to use the system, thereby generating more value for everyone who participates. Furthermore, cultural expressions – from storytelling to photography – have been used to help articulate and share these visions.
This, to encourage visitors to see water as far more than a physical resource or commodity and to see themselves as “water-dependent citizens”. This is why culture cannot simply be an addition to the goals – sustainable culture change must be a goal itself.
In a world that seems to be on permanent fast-forward, waiting five-to-six days for a cheque to clear, or three days for a bank transfer to reach the beneficiary’s account, is like being stuck in reverse. Mobile phone ownership and access to high-speed broadband are also pre-requisites for mobile-initiated push and pull payments. The supplier would then dispatch the item either to the retailer or to the customer directly. With the rise of of part-time work, mini jobs and zero-hours contracts, employers could also pay workers quickly and easily via real-time payments. Banking executives worldwide are currently grappling with how they can create and maintain value.
ISO 20022 comes with a large data dictionary, defining a wide range of business processes and the data required to support them. Meanwhile, countries such as Australia, the Eurozone countries and the US are building real-time payments systems on ISO 20022 from the outset. But pull-based real-time payments in the retail and government sectors will have an even greater impact on incumbents’ business models and revenue streams. They also develop new narratives about local culturally resonant pathways toward greater local sustainability and resiliency. There is a finality to payment, but also a certainty as payments sent to a beneficiary’s account are either confirmedto both the payer and payee or rejected. Gambling operators could accept wagers and pay winnings in real time, avoiding customer disgruntlement at the traditional two day wait for payment card credits to settle.
It’s about making the payment invisible and offering value-added services around it,” comments Kislingbury.
Moving money is what banks do, but there’s no real value in that these days because everyone can do it. The risk of disintermediation, particularly for card schemes, of future innovation based on real-time rails is very real.
You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. They would also increase fulfilment options to the customer, and cut the costs of wastage due to unsold goods. You can describe the entire transaction: remittance information, purchase order numbers, invoice numbers.
Just-in-time stock management also has implications for the retail store of the future in terms of the purpose, design and number of stores.



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