Les cinq jours épagomènes avant le nouvel en Kamite ( le nouvel an selon le calendrier africain, le tout premier de tous les calendriers existants). ✊

Paiements par carte bancaire : ces innovations qui allègent la note des commerçants

https://www.tf1info.fr/conso/q....r-code-paiements-par

Saviez-vous que la séquence de nucléotides de l'ADN peut être convertie en musique ? En 1986, le généticien japonais Susumu Ohno a découvert la musique de l'ADN en convertissant les bases nucléotidiques G, T, C et A en notes de musique, respectivement LA, DO, SOL, et RÉ. Cette révélation intrigante a conduit à la question suivante : si l'ADN peut être traduit en musique, la musique peut-elle à son tour affecter ou modifier notre ADN ?  Le son, comme nous le savons maintenant, possède une masse et a la capacité de déplacer la matière. En approfondissant l'étude de la cymatique et en explorant les effets potentiels de la musique sur l'ADN, nous pouvons commencer à découvrir la possibilité d'utiliser la musique comme outil de guérison.

Banks are expecting a wave of mortgage defaults: Economists say a credit crunch could hurt us all

https://www.thestar.com/busine....ss/banks-are-expecti

Bouteilles de vin à 300$, soupers à 3000$, voyages dans des hôtels de luxe: rien n’était assez beau pour l’ex-PDG du port de Montréal

https://www.journaldemontreal.....com/2024/07/12/boute

« En Inde, le monde des affaires, porté par la croissance du pays, reste largement féodal dans ses pratiques et sa culture »

https://www.lemonde.fr/economi....e/article/2024/07/12

#payment #fraud in 2024: Who is Liable? #ecommerce fraud is $48Bln globally by the end of 2023 & could exceed $362Bln between 2023 & 2028

Key Insights from Finextra research

✅385,964 #fraudulent transactions were reported

✅ £389,022,456 was stolen, of which only £237,219,623 was reimbursed to customers

✅ Faster payments were used for 98% of #appfraud payments

✅ Authorised push payment (#app) scams, which are leveraging wide-ranging #socialengineering tactics such as #impersonation #scams, #invoice and #ceofraud, are on the forefront of payment scams

✅ The new #reimbursement requirements aim to decrease #appscams and improve #userprotection. The #liability split promotes confidence in the Faster Payments scheme and incentivises #financialinstitutions and #banks to focus resources on preventing fraud in the first place.

✅ Banks and other financial institutions need to have Detailed definitions and a clear, efficient arbitration process for involved parties to build a reliable liability framework.

✅ #financialservice institutions should Share #intelligence between sending and receiving banks to ensure fair and accurate decisions, enabling banks to detect and mitigate fraud more effectively.

#digitalpayment #financialcrime #phising #identitytheft #dataprivacy #cybersecurity #fintech #finserv #regulation #regtech

Cash: how to optimize it?

The response: CCC (read further to understand)

🤫 Before I start, just for you, here are 100 other tips for Finance.
They are summarized in one free PDF for you to download:
https://lnkd.in/eAVzrrxb
Believe me, this will help you and your team!

What is Cash Conversion Cycle?

Cash Conversion Cycle or CCC, calculates the number of days required for a firm to convert its investments in inventory and other assets into cash from sales.


Why choose the Cash Conversion Cycle?

- It traces the lifecycle of cash used for business activities, providing insights into operational efficiency.

- It enhances cash flow by improving at least one of the three components: DIO, DSO, or DPO.

- It helps identify inefficiencies in inventory management, receivables collection, and payables processing.


How is Cash Conversion Cycle calculated?

Formula: CCC = DIO + DSO - DPO
Where:
- DIO: Days of inventory outstanding
- DSO: Days sales outstanding
- DPO: Days payables outstanding


5 Ways to optimize the Cash Conversion Cycle

1. Implement JIT Inventory - Reduce excess stock, improve turnover
2. Use Electronic Invoicing - Expedite collections, offer early payment discounts
3. Negotiate Longer Payment Terms - Extend payables without penalties
4. Use Advanced Forecasting Tools - Predict demand accurately, align inventory levels
5. Implement a strong Cash Culture in your company - Involve all departments in optimizing cash.

Vraiment !