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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 Cash can be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country and can be transferred electronically from person to person and used to pay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. Some mobile phones can make mobile payments via direct mobile billing schemes, or through contactless payments if the phone and the point of sale support near field communication NFC.

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I finally decided to take a new path. I decided to work on myself and become the person I wanted to be whilst in a relationship rather than focusing on what I could get out of a relationship. I enrolled in a course called Avatar which is about exploring consciousness and discovering any limiting beliefs which hold us back in our lives and I began working on being the best person, friend, and partner I could be.

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Even my male friends acknowledge it happening among their peers. Speaking to Oliver, 26, he recounted how he had been sitting with a friend who, flicking through Tinder, had matched with two girls in quick succession. Instantly he sent them both a pornographic message. What kind of person is he? Why the messages then? According to one developer, this has been perpetuated by the fact that dating sites and apps still make most of their revenue from men.

Therefore men have always been the focus, which has just perpetuated the problem. A new generation of app developers, many of them women, are launching a digital fightback through a wave of female-orientated dating platforms. From apps where women are the gatekeepers to initiating conversations, to others where men can only be invited by women, the movement to ensure digital dating is no less fun for women is quickly gathering momentum.

And the woman leading the charge is not who you might expect. The chatty waiter who comes to take our orders opens with: We are 1, miles away from Los Angeles, the home of Tinder, and 1, miles away from Silicon Valley, but frankly we could be in another world entirely. Dating app Tinder facing sexual harassment lawsuit from co-founder Read more Wolfe, 25, lives here partly because it is the home of her oil tycoon boyfriend, but also because it signifies a distance that is both physical and metaphorical between her and her former life.

Last year, she found herself the reluctant subject of a notably unpleasant media furore after she launched a lawsuit against Tinder — the company she had worked at as both co-founder and head of marketing for almost three years.

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Since the rise of online dating over the past decade, many dating websites have come and gone. A common complaint shared by seasoned online daters who have tried various dating sites is that, rarely do the multitude of matchmaking services live up to their claims. For a monthly fee, dating sites claim they’ll do the math for you and spit out your soul mate in return.

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Safety advice Dating is fun but to ensure you do it in the safest way possible we have put together some golden rules to help you get the most out of your journey. If someone you are communicating with on a dating website asks you for money or your bank details they are likely to be a scammer. Read more about scammers here. If you have experienced monetary fraud on a dating site, report it to Action Fraud via their reporting tool here. Wait until you know someone a little better before you share your contact details.

If someone asks for your number straight away, politely decline. If you encounter a suspicious member on a dating site or someone has been rude to you, do not hesitate to report them to the Customer Care team using the report buttons on their profile or a message. How to report someone. Meet in a public place. Do not go to their home and do not give them your address.

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That is, as long as you do it right Read More. But you might be getting the bad end of that deal. Repurposing your phone is a much better idea. The Story of Consumer Electronics [Feature] Every year, exhibitions around the world present new high tech devices; expensive toys that come with many promises.

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Email Bio Follow November 20 at 1: How long is too long when texting an answer about which programming skills are your strength? If a recruiter sends you a Bitmoji avatar leaning up against a water cooler, would you be more apt to write back or hit delete? These and other questions may increasingly come up as more employers add text-messaging platforms to the hiring process, to coordinate interview logistics, connect with past applicants and ask initial screening questions before taking time for a phone or in-person interview.

People are more likely to respond to text messages than email, offering higher response rates from candidates who might overlook job-board email listings or emails from recruiters. The quick, conversational back-and-forth of text messaging can also speed the process along, letting employers ask basic questions about qualifications and availability — while candidates can ask about benefits or pay — before scheduling a meeting or phone call that could be a waste of both sides’ time.

The low-pressure, informal way people approach texting — especially millennials and Gen Z applicants, who prefer it to email — can also cut down the awkwardness of a first-time discussion. How do you make it feel not spammy? If it becomes overused or is not done carefully, the novelty could wear off. But for now, Mya has been focused on contacting people who have applied to jobs at the customer recently or in the past.

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Maybe it was the profile picture. Maybe it was the first conversation you had over the phone. Whatever it was, there seemed to be enough chemistry that you wanted to take the conversation away from your computer and move things into a restaurant for a first meeting.

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Direct carrier biller mopay announced the launch of new payment service tailored for online matchmaking sites that lets users of online dating services pay for those services using their mobile numbers. The services are then billed directly to the user’s mobile phone bill. Mopay’s launched the new service at iDate in Miami, Fla.

The company said it is already working with several international dating sites to implement the service. The solution is similar to other direct carrier billing services used for gaming and social media. Consumers simply enter their mobile numbers at the checkout screen and confirm the purchase with a text message. The subscription is then added to their monthly phone bill. For dating sites, the new payment option provides increased traffic and conversion, mopay said.

Not only do visitors convert to members at a faster rate, but direct carrier billing also appeals to the unbanked market, opening up a new market. Additionally, since an actual phone is required to complete the transaction, direct carrier billing provides a higher level of security.

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