Wirecard - Top oder Flop (Seite 15171)

[goldfever]

Antwort auf Beitrag Nr.: 52.204.333 von Smudo am 16.04.16 17:57:19

Zitat von Smudo:

Zitat von goldfever: ...

Du hast doch selbst die Online-Zahlungsmöglichkeiten von ebay.in zitiert:
Online Bank Transfer
Credit Card
Debit Card
Cash Card
Mobile Payment (IMPS/Airtel Money)
Wallets

Die einzige erwähnte Cash Card und deiner Meinung nach die einzige akzeptierte ist die Done Card.

Warum schreibst du jetzt über die besten Wallets und ziehst daraus den Schluss, dass die iCashCard keine Bedeutung hat? Kann man irgendwo nachlesen, dass die iCashCard eine Wallet ist und keine Cash Card wie man dem Namen nach annehmen könnte?

1) Unter den Cash Card unterstützt ebay.in nur die Done Card. Ich zitiere ebay.in:
Cash Cards
Cash cards are pre-paid cards, Where a user tops up a certain amount and can use the card for making payments anywhere. You can now use the Done Cards for payments on eBay.in.
http://pages.ebay.in/help/paisapay/payment_methods.html

2) Zur iCASHCARD gehört die Icash Wallet. Hier die url zur Android App: https://play.google.com/store/apps/details?id=com.hermes.icc

3) Auch Warburg spricht von "ICASH Wallet". Ich zitiere Warburg:
ICASH Wallet wird von den meisten wichtigen E-Commerce-Seiten in Indien einschließlich IRCTC (indische Bahngesellschaft), eBay, SnapDeal, AirAsia und GetMyTrip akzeptiert. Außerdem können damit monatliche Rechnungen der Versorger bezahlt sowie Geld innerhalb Indiens überwiesen werden. Ende 2015 hatte ICASH Wallet mehr als 4 Mio. aktive Nutzer.
http://www.mmwarburg.de/export/download/mmwarburg.com/Wireca…, Seite 29

1) Wenn die iCASHCARD keine Cash Card ist, ist die Einschränkung auf die Done Card irrelevant.
2) und 3) Danke für die Aufklärung.
4) Ich habe jetzt auch noch etwas gefunden, das mir bisher entgangen ist:
https://www.icashcard.in/IMPS
Wenn das funktioniert, wäre damit auch die Bezahlung bei ebay.in möglich (siehe oben).

[Smudo]

iCASHCARD: Our Partners

Auf https://www.icashcard.in/how-to-use werden auf der rechten Seite diese High Class E-Commerce Seiten als "Our Partners" verlinkt:

http://fruitshopongreamsroad.in/
Url ist tot.

http://www.agscinemas.com/Faq.aspx
5. What modes of payment are accepted for online booking?
We accept all major Visa and Master Credit or Debit cards.
Keine iCASHCARD wird akzeptiert

http://www.carcares.in/about.php
Payment Options: VISA & Mastercard
Keine iCASHCARD wird akzeptiert

http://www.thecarspa.in/
Kein Hinweis auf iCASHCARD

http://wwwcommunitydentalassociates.com/login
Es erschient ein Login. Keine Spur von iCASHCARD

Falls noch Zweifel bestehen, dass sich die iCASHCARD als Wallet versteht, zitiere ich iCASHCARD selbst auf eben dieser Seite:

Your iCASH is a multi-utility Wallet.

[OffShore]

Need Money? Don’t Go to the Bank

Whilst Raghuram Rajan’s reforms for monetary stability received the markets’ thumbs up, India’s blue-collar workforce too had its reasons to cheer the RBI governor’s first speech. Here’s why
Suman Layak


Reserve Bank of India (RBI) governor Raghuram Rajan would have surely not heard about Bahadur Singh, 45. It’s equally unlikely that Singh would have heard about Rajan or his oratory prowess.
However, the governor’s firstever speech in office on September 4 would have been music to the ears of Singh — especially when Rajan spoke about allowing mini-ATMs by non-banks, cash withdrawals from pre-paid cards issued by non-banks and encrypted SMS-based money transfers.
Singh works as a watchman in one of the skyscrapers that overlook the sea in Walkeshwar in upmarket Mumbai. Hailing from Mathura, he has been working in Mumbai for 20 years; and sending money home to his wife was always bit of a chore. “I would go to the State Bank of India branches on Napean Sea Road or Peddar Road and stand in a queue for an hour or two. Still, I would be at the mercy of the clerks and the security guards would scold us and teach us how to stand,” says Singh, recounting his ordeal.
Digital Money Moneyall that is now history — for Singh now uses The Smart Shop outlet near his shanty in the suburb of Bandra to send money home. “I am a customer and I am treated with izzat at the shop. The money also reaches fast,” says Singh.
Singh is just back in Mumbai after his daughter’s wedding last month. He sends small amounts every other day to his wife to pay off the halwai and the tentwallah (whose services were used during the wedding celebrations). Tending to him is Pradeep Jaiswal, who had started this Smart Shop in Bandra. Jaiswal also offers ticketing, mobile recharges, but funds transfer is his key business.
“I am from Jaunpur in Uttar Pradesh and had found a job as a network engineer with Hi5 Broadband in Mumbai. Sending money home often meant loss of a work day with long queues at the nearby Union Bank branch. I felt I had to do something to help people like me. I quit my job and started this business,” says Jaiswal.
Jaiswal’s shop is a franchisee unit for Hermes I Tickets Pvt Ltd. He collects cash from people like Singh, loads it onto a pre-paid card (iCash Card), and then transfers the cash to the bank account of Mrs Singh in Mathura. Jaiswal offers his services from 8 am to 11 pm seven days a week using the Immediate Payment Service of the National Payments Corporation of India Ltd (NPCIL) for transferring money.
At Jaiswal’s shop, there’s also Angad Rajvar who is sending money to his father in Azamgarh. “We all stay in Mumbai but my father has gone to our ancestral place for work and is short of cash. I am sending him 3,000,” says Rajvar. He pays a fee of 37.50 to Jaiswal and receives an SMS confirming the money being credited to the Azamgarh bank account before leaving the shop.
Jaiswal’s shop in Bandra is one among an estimated 1.5 lakh such n o n - bank outlets across the country, and is a snapshot of a new India that is rapidly taking its money digital — and storing it in many different ways without needing to queue up at a bank.
Just Tag It
The best example can be found at IIT Bombay where Ashish Das, professor of statistics, is handholding a pilot to make the institute a cashless campus. In 2012, at
a c o n f e rence in Delhi, Das had discussed the possibility of a cashless village with officers of NPCIL. They figured IIT Bombay — with its population of 20,000 people (10,000 students, teachers, staff and families) and 40-odd retail outlets — would be an ideal stage to run a pilot.
NPCIL is promoted by 10 Indian banks and is housed inside the RBI’s offices in the Bandra-Kurla Complex, Mumbai’s suburban commercial district. Among other things, NPCIL has launched Rupay, India’s answer to Visa and MasterCard. NPCIL also has its game-changing offering — Immediate Payment Service or IMPS that transfers money from different kinds of pre-paid cards and mobile wallets to similar wallets and bank accounts within minutes and works 24x7 (see Instruments of Change).
NPCIL roped in ITZ Cash, the pre-paid cards venture of Subhash Chandra’s Essel Group, and created a small tag — a sticker-like instrument. Around 2,000 IIT students now use it to store cash. It is a small microchip with minute near field communication (NFC) aerials that can talk to other NFC devices. Around 30 of the 40 retailers within IIT have installed machines that can accept payments through the tags.
Sukumar Jedda, a second-year MSc student at IIT Bombay, says the tag is a boon. “We do not need to carry our cash around. We don’t even need to worry about small change. Yesterday I needed to buy a book that comes for 25. I withdrew cash from the ATM but got two 500 notes. The retailer would have refused me, but luckily I could use the tag.” Students can also use the cash on the tag for online payments and railway ticket purchases.
Mirza Askari, who has been operating a dhaba inside the IIT campus for three years now, says he is happy to accept these payments. “Students would sometimes forget to bring their wallets. However, they stick these tags to the back of their phones and they never forget to carry their phones. So I do not have to give them credit. The money goes straight to my bank account and helps me save.”
The NFC tags currently work with a Canara Bank account at the branch within IIT where most students receive money from their parents. Then they are able to transfer the cash to their tags online. Money can be received on the tags or can be loaded from machines placed near ATMs.
Salary on Cards
The tags can be stuck to phones or Icards or any other convenient object. In the first two weeks, since the 2,000 tags were activated this year, around 2 lakh was loaded onto them by students and of that 70% spent, says Das.
Naveen Surya, managing director of ITZ Cash, says the NFC tag is a variation of what the company has been offering for a few years now as prepaid payment cards. ITZ Cash is the second largest player among prepaid cards and is targeting its offerings largely at people who make small transactions.
Currently ITZ Cash is participating in a pilot in partnership with HDFC Bank in Adhaar-linked prepaid cards. Surya says: “The goal is to see if direct benefit transfer payments can go into pre-paid cards instead of bank accounts. It will reduce the burden of opening so many bank accounts for the government and the banking system.” An ICICI Bank spokesperson adds: “The ICICI Bank Saral Money Prepaid Card is fully equipped for direct benefit transfers. Also it provides the customers with an access to the entire VISA-enabled ATM network creating an inter-operable direct benefit transfer solution.”
There is a whole list of non-banks like ITZ Cash and Hermes that have launched pre-paid cards taking advantage of the RBI’s guidelines on pre-paid instruments and the easier norms for identification and documentation that these cards have compared to bank accounts.
ITZ Cash has managed to sell its pre-paid cards for salary payments to corporate clients. Consider Aniket Saxena, director of Spic and Span Housekeepers that operates in the National Capital Region. Saxena’s men are mostly migrant workers and do not report to duty in an office but at different places where they are assigned housekeeping duties. Paying out salaries in cash was a nightmare, Saxena says. “Disbursing salary by cash would take four to five hours. A pre-paid card on the other hand needs less documentation and I can easily upload the salaries.”
The cost of the card — around 55 — is being borne by the employees who are happy to have an instrument that allows them to withdraw cash from any ATM.
Vipin Gurang, director of Delhibased Proficient Retail and Agrotech, has also gone in for about 40 salary pre-paid cards for his employees, who are happy as they all get their salaries at the same time. Sevan Rai, 37, an employee who hails from Darjeeling, says: “This is better, the money remains safe even if I lose my purse. I am allowed to withdraw money from IDBI Bank ATMs for free.”
Joining in the Fun
Migrant workers, especially, find it difficult to go to a bank as they often do not have address proof at their workplace. However, if they would not go to a bank, a bank can surely come to them, what with most of them hitching on to the pre-paid cards bandwagon.
Axis Bank was the largest player in pre-paid cards last year. However, this year ICICI Bank has taken the lead in pre-paid cards with 40% of the market. Western Union has been the largest player in remittances from abroad into India and now it has also entered the domestic transfers business.
Kiran Shetty, MD of Western Union, says with a presence in 1 lakh locations in India, the company is ideally placed to offer domestic money transfers and is targeting rural customers. “Of the 1.2 billion people in India at least half do not have access to banking instruments. This is a great opportunity for us,” he says.
Western Union is using the banking correspondent (BC) route; it is a BC for Kotak Bank and offers money transfers through the National Electronics Funds Transfer System — which takes longer than IMPS. Shetty says Western Union is working to launch IMPS-based services soon.
ICICI Bank is one of the five banks participating in the Saral Money Pre-paid Card and is also offering pre-paid cards with Western Union.
Yes Bank for instance has tied up with at least 13 players, including ITZ Cash and Hermes, as its BCs who offer money transfer facilities using Yes Bank’s network and the IMPS facility of NPCIL.
Then there are the telecom operators who can offer a mobile wallet to subscribers. Airtel, Vodafone and Tata Teleservices offer the mobile money transfer facility to its subscribers.
Vodafone launched M Pesa money transfer service in collaboration with ICICI Bank in Agra on September 4. Suresh Sethi, business head for M Pesa, said Vodafone’s subsidiary company MComm Solutions has an RBI licence to offer a semiclosed wallet (see Instruments of Change) to subscribers. With cash loaded onto these wallets, subscribers are now able to send money to any bank account anywhere in India as well as to other M Pesa account holders. M Pesa account holders get a mobile wallet issued by MComm and a linked Mobile Money Account with ICICI Bank.
“Our tie-up with ICICI Bank comes into play when we offer to cash out the money from our outlets instead of transferring it to a bank account. So after ICICI Bank does the KYC, we are able to send an SMS pass code to the receiver and then he can walk into one of our outlets and take the cash, without the need to go into the bank at all,” Sethi explains.
Innovation is the Key
He adds that while India has about 100,000 bank branches there are 900 million mobile phones and enabling these is the key. “We have 7,800 Vodafone outlets and 25,000 agent outlets and my network is 65% rural. We will enable our agents to be BCs of the bank and provide cash out to the receiver,” Sethi says.
In money transfers, eliminating the need to go to the bank to receive cash is one step that will be a big boost. While many of the money transfer agents are BCs, Jaiswal (the franchisee for Hermes quoted at the beginning of this feature) is not. BCs are representatives of the bank while Jaiswal is working as a representative of Hermes. Innovation, clearly, is ruling the day.
Talking of innovations, Yes Bank has developed a mobile card swiping device that allows companies to take a payment at the doorstep of a customer. Blue Dart has already launched a service for cash-on-delivery that can now also be card-payment-on delivery.
Anand Kumar Bajaj, president and chief innovation officer of Yes Bank, says: “The mobile POS works with any touch screen phone that the vendor will carry, on which the customer has to sign with a pen or a stylus or even his finger. One can also get the image of the charge slip on the phone.” Then there is a cash-note acceptor machine that Yes Bank is set to launch. It will be housed in malls and markets and retailers can deposit their cash in the machine and it will be credited to their bank accounts.
Bajaj has an interesting pilot to talk about that Yes Bank worked on with Pepsi’s largest bottler in India, Pearl Drinks. The bottler’s truck would drop soft drink bottles with retailers and bring back almost 70,000 cash at the end of the day. With each truck returning with that kind of cash every evening, the logistics can be complex.
Yes Bank already had BCs along the routes, which started accepting the cash. So a truck driver would visit around 10 retailers and drop the cash with a BC, and then move on to the next 10 retailers — so by the time he returned to the bottler’s premises he had also submitted most of the cash with BCs that went straight into the bottler’s bank accounts.
The key here again has been the IMPS service NPCIL. In the first full year after its launch in November 2010, IMPS saw 95,000 transactions (2011-12). In 2012-13 that figure went up to 12.28 lakh transactions. In the first five months of 2013-14 the number of transactions has already crossed 25 lakh.
There are worries with IMPS too. On July 4, for instance, a bunch of transactions went through but the confirmation SMSes never landed and there was confusion all around. Sources say 4,000 transactions were affected. However, NPCIL insists that all were sorted out by end of day. AP Hota, managing director of NPCIL, says: “There are new emerging payment systems and we are trying to become a less-cash society, even if we cannot be a cashless one.” He speaks about interesting possibilities like cash at POS where people can withdraw cash from retailers. With M Pesa for instance one can even pay for sweets at Shrinathji and Birdy’s.
That is the kind of sweet ending Raghuram Rajan would surely like.
•

The governor has a vision for mobilebased payments, something IIT Bombay professor Ashish Das (second from left) is championing


Vipin Gurang (standing), director Proficient Retail and Agrotech, pays salaries via pre-paid cards




Instruments of change
Pre-paid cards and wallets
The closed-loop instrument is a card from a retail outlet like a CCD or Shoppers Stop that can be used at outlets of the company only.
There are three varieties of semi-closed systems that do not allow withdrawal of cash through an ATM but allows the user to use the instruments, be they pre-paid cards or electronic wallets or mobile wallets, at retail outlets and online e-commerce websites that have an arrangement with the issuer. They need identification less rigorous than the KYC norms of a bank.
Open pre-paid instruments need a proper KYC by a bank and can be issued by a bank or a pre-paid cards player in partnership with a bank. The cards are on Visa, Mastercard or Rupay platforms. The user can withdraw money from ATMs.
IMPS
The facility that proved to be a game changer is the Inter-bank Mobile Payment Service, now renamed Immediate Payment Service. It allows 24-hour transfers of cash directly into bank accounts. The key here is the immediate transfer of cash and the sender can see the confirmation SMS on his mobile within minutes.


Pradeep Jaiswal at his Smart Shop outlet which does cash transfers




Excerpt from Rajan’s first speech as RBI governor, in which he talked about anytime payments:
We want to make payments anywhere anytime a reality. Only banks are currently allowed to deploy Point-of-Sale terminals, and these are largely set up by a few banks in urban areas. As announced in the Annual Monetary Policy statement, we will facilitate the setting up of “white” POS devices and mini ATMs by nonbank entities to cover the country so as to improve access to financial services in rural and remote areas.
Currently holders of pre-paid instruments issued by non-bank entities are not allowed to withdraw cash from the outstanding balances in their pre-paid cards or electronic wallets. Given the vast potential of such instruments in meeting payments and remittance needs in remote areas, we intend to conduct a pilot enabling cash payments using such instruments and Aadhaar based identification.
Finally, there is substantial potential for mobile-based payments. We will set up a Technical Committee to examine the feasibility of using encrypted SMSbased funds transfer using an application that can run on any type of handset. We will also work to get banks and mobile companies to cooperate in rolling out mobile payments. Mobile payments can be a game changer both in the financial sector as well as to mobile companies.

http://epaper.timesofindia.com/Default/Scripting/ArticleWin.…

[Hedge8]

Antwort auf Beitrag Nr.: 52.204.132 von Smudo am 16.04.16 16:50:34

Zitat von Smudo:

Zitat von Hedge8: ...

Auch dir, lieber Märchenonkel ein schönes Wochenende.

Wer nicht so sehr auf Märchen steht, kann sich hingegen den aktuellen Stand an fundierten Analysen noch einmal ansehen.

Alternativ steht hingegen zur Vervollständigkeit auch noch Smudos 0€ Kursziel.

Jeder entscheidet selbst, wen er mehr Glauben schenken mag.

Wie oft willst Du die Tabelle noch posten? Es ist bekannt, dass diese Analysten Wirecard empfehlen. Die fundierte Analyse von Jochen Reichert von Warburg Research hat

- 10.000 nicht existierende Smart Shop Standorte in Nepal gefunden
- Nicht existierende Referenzen für die ICASH Wallet genannt: eBay, SnapDeal, AirAsia

Kursziel 60 EUR

Wie oft willst du und deine Luftpumpen-Kumpels noch hanebüchene Storys auftischen, die immer wieder aufwärmen und ab und zu dazu selbstgemalte Grafiken einbringen?

Genau, lass mich raten: Solange, bis deine Brötchenzahler sauber ihre Leerverkäufe eingedeckt haben.

Es geht ja jetzt bald in die 8. Woche, da ist es selbstredend, dass eure Wochenenschichten etwas intensiver werden.

Aber keine Angst, dein rhetorisch etwas besser geschulte Kollege übernimmt für dich den größeren Teil und schreibt die nächsten zwei Seiten zu, damit die Tabelle etwas nach hinten rückt.

Welche Tabelle war das noch mal?
Genau, diese hier:

[Rentfort]

Antwort auf Beitrag Nr.: 52.204.360 von Rentfort am 16.04.16 18:05:58

Folgender Hinweis zu meinem letzten Post:

Ich beziehe mich im Text auf das Jahr 2014, da die Einzelabschlüsse der Wirecard Bank AG und der Wirecard Card Solutions Limited für 2015 noch nicht vorliegen.

[Rentfort]

Gestern kam die Diskussion auf, wieviel Geld Wirecard in welchem Geschäftssegment verdient.
Hierfür habe ich natürlich gleich die richtige Grafik parat.

Wie unschwer zu erkennen ist, verdient Wirecard im Payment Processing ca. 6 mal so viel wie im Acquiring und Issuing.

Das Issuing-Geschäft ist gemessen am EBITDA lediglich ein Randgeschäft. Die Wirecard Card Solutions erwirtschaftete 2014 ein EBITDA von gut 0,5 Mio. €.

Der Anteil des Issuing bei der Wirecard Bank betrug 13,5 % von gut 30 Mio. € EBITDA. Zusammen ergaben sich nicht einmal 5 Mio. €. oder knapp 3 % vom Konzern-EBITDA.

Auch wenn möglicherweise in vielen Karten Wirecard drinsteckt, auch wenn man es nicht sieht, für das Konzernergebnis ist dieses Geschäft fast irrelevant.

[Smudo]

Ende 2015 hatte ICASH Wallet mehr als 4 Mio. aktive Nutzer, schreibt Warburg, aber die Android App wurde nur 50.000 - 100.000 Mal installiert (https://play.google.com/store/apps/details?id=com.hermes.icc). Wie passt das zusammen?

[Smudo]

Antwort auf Beitrag Nr.: 52.204.276 von goldfever am 16.04.16 17:33:45

Zitat von goldfever:

Zitat von Smudo: What's the best online wallet in India?
Best 5 Mobile Wallets for Online Payments in India
Top 6 Mobile Wallets in India
Seven Mobile Wallets Every Indian Should Know About
ANTWORT: Die iCASHCARD spielt in Indien überhaupt keine Rolle.

Du hast doch selbst die Online-Zahlungsmöglichkeiten von ebay.in zitiert:
Online Bank Transfer
Credit Card
Debit Card
Cash Card
Mobile Payment (IMPS/Airtel Money)
Wallets

Die einzige erwähnte Cash Card und deiner Meinung nach die einzige akzeptierte ist die Done Card.

Warum schreibst du jetzt über die besten Wallets und ziehst daraus den Schluss, dass die iCashCard keine Bedeutung hat? Kann man irgendwo nachlesen, dass die iCashCard eine Wallet ist und keine Cash Card wie man dem Namen nach annehmen könnte?

1) Unter den Cash Card unterstützt ebay.in nur die Done Card. Ich zitiere ebay.in:
Cash Cards
Cash cards are pre-paid cards, Where a user tops up a certain amount and can use the card for making payments anywhere. You can now use the Done Cards for payments on eBay.in.
http://pages.ebay.in/help/paisapay/payment_methods.html

2) Zur iCASHCARD gehört die Icash Wallet. Hier die url zur Android App: https://play.google.com/store/apps/details?id=com.hermes.icc

3) Auch Warburg spricht von "ICASH Wallet". Ich zitiere Warburg:
ICASH Wallet wird von den meisten wichtigen E-Commerce-Seiten in Indien einschließlich IRCTC (indische Bahngesellschaft), eBay, SnapDeal, AirAsia und GetMyTrip akzeptiert. Außerdem können damit monatliche Rechnungen der Versorger bezahlt sowie Geld innerhalb Indiens überwiesen werden. Ende 2015 hatte ICASH Wallet mehr als 4 Mio. aktive Nutzer.
http://www.mmwarburg.de/export/download/mmwarburg.com/Wireca…, Seite 29

[goldfever]

Antwort auf Beitrag Nr.: 52.203.973 von Smudo am 16.04.16 16:19:45

Zitat von Smudo: What's the best online wallet in India?
Best 5 Mobile Wallets for Online Payments in India
Top 6 Mobile Wallets in India
Seven Mobile Wallets Every Indian Should Know About
ANTWORT: Die iCASHCARD spielt in Indien überhaupt keine Rolle.

Du hast doch selbst die Online-Zahlungsmöglichkeiten von ebay.in zitiert:
Online Bank Transfer
Credit Card
Debit Card
Cash Card
Mobile Payment (IMPS/Airtel Money)
Wallets

Die einzige erwähnte Cash Card und deiner Meinung nach die einzige akzeptierte ist die Done Card.

Warum schreibst du jetzt über die besten Wallets und ziehst daraus den Schluss, dass die iCashCard keine Bedeutung hat? Kann man irgendwo nachlesen, dass die iCashCard eine Wallet ist und keine Cash Card wie man dem Namen nach annehmen könnte?

[Smudo]

Antwort auf Beitrag Nr.: 51.877.767 von korska am 02.03.16 01:07:36

Zitat von korska: zum Vergleich:

Da kann man auch erkennen, dass der GI-Retail - Deal durchdacht und werthaltig ist:

http://www.mmwarburg.de/export/download/...ecard_Note_201601…

Herrlich.