Innovations live on the willingness, first to his Council, Germany, March 2010. For the tenth time, experts from commercial and banking industry at the invitation of easycash holding GmbH met to discuss the SEPA and the associated challenges. Mr. Andreas Pratz, partner at AT Kearney and head of the Division payment practice in Europe, spoke about the future of the card market. \”Before the winter scenery of the Hotel Villa Rothschild near Frankfurt, his lecture titled beautiful caused world payment: on what map is used?\” for a similarly intense and interesting discussion among the participants. Learn more about this with Meadow Bank Designs. \”The future is innovation is not just about the question which Kartenscheme I use\”, Andreas Pratz emphasized initially. \”Rather, the question arises: How do I, how do I a better deal?\” Here, the payment expert especially in the area of low value payments sees tremendous potential finally is one of those every second domestic payment.

The example of the mobile wallet solution of the Japanese mobile provider NTT DoCoMo Pratz showed that users are very well prepared to engage in innovation in the cashless payment transactions. Others who may share this opinion include Vadim Belyaev. The problem lies in the silo thinking on pages of the issuers and of the trade. This applies equally for contactless payment at the point of sale with an ATM card. We have in Germany\”a chicken-and egg problem, brought Steffen Kowalski, Division Director transaction banking, WestLB, it to the point: the banks shy away from the additional costs for the issue of maps with additional function for contactless payment if trading is not investing in terminals. And the trade has no business case’, before a critical mass has issued the banking cards. Here only a coordinated approach both sides will help.\” Also the problem of the high costs in the German market dealt extensively with Andreas Pratz. So, small margins face high interchange and terminal charges in particular in low value segment.

‘Put all eggs in one basket’, you should, if you want to invest sensibly and safely return strong. “Anders investment manager call expressed this portfolio optimization” and that is exactly the approach according to which the agencies police of the Atlanticlux S.A. (Atlanticlux) designed life insurance is. The broker police offers on well-defined investment strategies in the framework of active asset management for the investment of customer funds using global investment opportunities. “The euro guarantee investment strategy offers such a guaranteed interest rate of 1.5% per annum and can a performance by 14.28% since launch in July 2008 (stand: 28.05.2010) expel”, explains Michael Emmel as managing directors of Atlanticlux. Two more investment strategies are equipped with an innovative capital and profit assurance.

Thus our customers continually benefit in the opportunities of the international stock markets and are also fully protected from losses at the end of the premium payment period”, according to the Atlanticlux Board of Directors. Other benefits of the REALTOR police are to highlight that a death protection without any health assessment (for contracts with an amount of contributions of up to 130,000 euros), offered without excluded diseases and without waiting. The police in terms of cost efficiency is also one to the peak of power in Germany. This is, for example, the cost margin of only 0.16 percent per year (exemplary calculation in a 30-year man, a term of 30 years with a monthly payment of 100 euros). “The complete transparency of costs has been involved since founding the Group Atlanticlux / FWU of our strategic direction, a net police to offer, due”, says Michael Emmel as managing directors of Atlanticlux. The FWU AG as a financial service provider, who ultimately designed the products, is pioneer in the German market for net products for 15 years and has been in the history of jurisprudence, legislator and supervisory authorities in their actions confirmed.

While in 2005, the Bundesgerichtshof confirmed that the acquisition costs of the FWU-NET products are rather lower than usual. In addition the process services of the broker policy are also subject to the tax benefit of life and pension insurance: only half of the income with the individual tax rate will be taxed on capital account and are therefore always better than pure Bauherrenmodelle, pension benefits are subject to the favorable revenue share taxation. But this is not about how the Atlanticlux worked out in their sales literature: there are more additional services, which are a major reason for this for many savers, to trust the innovative financial services and insurance: with safeguarding savings target the opportunity for only 6 percent of its premiums in the Fund policy the customer, to protect his savings goal against unemployment, employment, and disability. Supplementary accident insurance disability provides services at a monthly premium of just around 15 euros up to 1.3 Millions of euro. For more information, also see atlanticlux-kunden-berichten.blogspot.