BCA, the largest private bank in Indonesia, recorded a 91 percent annual rise in the number of mobile banking transactions to 1.29 billion during the year’s first quarter, while the number of internet banking transactions increased by 24 percent year-on-year (yoy) to 740 million, company data show.The total value of the transactions reached a staggering Rp 3.38 quadrillion (US$231.9 billion), or more than 45 percent of the bank’s total transactions, almost matching the Rp 3.5 quadrillion transacted at the banks’ branches.Consumers have turned to digital banking to avoid COVID-19 virus transmission through face-to-face transaction.Consumers’ appetite for digital banking has also grown over the years. A 2019 McKinsey & Company report found that Indonesian consumers were very open to digital banking, with 55 percent of nondigital customers saying they were likely to use digital banking in the next six months, the second-highest figure among emerging Asian countries. Indonesian banks face challenges with human resources as they strive to bolster digital banking during the global health crisis.Private lender Bank Central Asia (BCA) president director Jahja Setiaatmadja cited human resources as part of the company’s obstacles in digitizing the banking process.“In this new banking future, we know that the cost is enormous: the cost to set up a data center, then recruit competent people in that field, educate [our employees],” Jahja said during a CNBC Indonesia webinar called The Future of Digital Banking on July 23. Meanwhile, according to a 2018 PricewaterhouseCoopers survey on digital banking in Indonesia, 66 percent of the surveyed banks say they have developed a digital strategy as part of their corporate strategy. BCA concluded its acquisition of Bank Royal Indonesia last year for Rp 1.01 trillion in an effort to expand its digital banking business. The acquired bank is projected to become BCA’s digital bank.Jahja also noted that, amid the digital channel development, banks had to improve on security and legal aspects as well as compliance.The banking industry considers cybersecurity its biggest risk over the next two to three years, according to the 2018 PricewaterhouseCoopers survey.Bank Rakyat Indonesia (BRI) president director Sunarso echoed Jahja’s sentiment, stating that the human capital to assist the digital transformation was among the biggest challenges banks were facing. In addition, banks also needed to compete with fintech platforms to hire them. “We can invest in the infrastructure [for digital transformation], but the culture and behavior within a digital era is not something that we can buy, because there is no factory for that,” Sunarso of BRI said, in elaborating on the need of a shift in mindset among employees to support the future of digital banking. The company recently launched a platform to digitize offline market transactions, especially for micro, small and medium enterprises (MSMEs), dubbed Web Pasar (Market Web). The bank claimed to have helped digitize more than 4,200 traditional markets with more than 45,000 merchants registered and aims to add another 5,200 markets on its platform this year.The Financial Services Authority’s (OJK) commissioner for banking supervision, Heru Kristiyana, said the authority was preparing the regulatory infrastructure to support the establishment of a conducive environment to assist the digital transformation of banking services. “The most important thing is for banks to strengthen their capital, because without doing so, they will not be able to develop their digital banking, and if they are not able to develop digital banking, they will definitely be abandoned by their customers,” Heru said.Topics :
Part of the 4000-plus crowd at AREC 2018 – the two-day Australasian Real Estate Conference – at the Gold Coast Convention Centre, Broadbeach. Picture: Jerad Williams.Running through “scripts” with his agents in weekly training sessions was par for the course to keep the momentum going.His call checklist for agents contacting homeowners who weren’t on the market was simple but clearly effective.1. I know you’re not thinking of selling.2. It’s a brief call to say hi.3. I must admit when I call your number I know you’re not selling.4. I wanted to show an interest in your situation in case plans have changed.5. I’ll always keep in touch without camping on your doorstep.6. You know I’d love to help if you need any real estate advice.7. Have you still got my details? FOLLOW SOPHIE FOSTER ON FACEBOOK Chris Hassall told AREC 2018 that he went from Saturday receptionist to earning $2m commission a year at Buxton Bentleigh.GOING from part-time receptionist to earning $8m in four years is possible, but it takes discipline and dedication, says a man who has done just that.Chris Hassall, a director of real estate agency Buxton Bentleigh, told the AREC 2018 conference on the Gold Coast that he had started out working in reception on Saturdays, and worked his way up the business.“I was working seven days a week. even I questioned ‘is this all worth it?’ I was a young guy,” he said of the long hours he’d put in at the start. MORE FROM AREC 2018: The power of first impression How to be a millionaire agent in 3 years Meet the man behind John McGrath’s success Preparation and urgency are key Mindset is the key to success Australia’s real estate “golden triangle” But, he said, his mentor had helped instil in him a strong belief that his career was going to be something special.“If it’s going to take nine hours to cut down a tree, spend eight hours sharpening the axe is the saying,” he said.The hard work has paid off, with Mr Hassall listing and selling over 100 homes every year for the past four years “whilst generating in excess of $2m in gross commission”.His love of the business is infectious with two of his own personal assistants going on to become million-dollar agents under his tutelage. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:30Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:30 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD432p432p288p288p180p180pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenAREC 2018 promo video00:30 The business now employs several young people as part of its succession planning strategy.More from newsParks and wildlife the new lust-haves post coronavirus18 hours agoNoosa’s best beachfront penthouse is about to hit the market18 hours ago“I’ve got a 27-year-old in my office, He got fired, I hired him … he’s going to write a million bucks this year … We signed on six new directors, most under 30.”Mr Hassall developed two obsessions to stoke the growth: A meticulously kept and maintained homeowner database from his area and continuous further training.
Robert R. Arcaro, of Metamora, was born on October 17, 1939 in Mt. Healthy, Ohio, one of 17 children to Harry and Claire Carlucci Arcaro. He owned and operated Bob’s Construction. Robert also served in the National Guard. In his spare time he enjoyed hunting, fishing, playing cards and spending time at the casinos. On Sunday, December 11, 2016, at the age of 77, Robert passed away at his residence.Survivors include step-children, Russ Spoeckelmeier of Springboro, OH; Robin Spoeckelmeier Clarke of New Berne, NC, and Shawn Arcaro of Okeana, OH; grandchildren, Laura, Wyatt, Sammy Jo, Brandon, Kennedy, and Kamden. 10 brothers and sisters also survive. Besides his parents, Robert was preceded in death by wife, Carol S. Arcaro Chappell on April 29, 2010, and six siblings.Robert’s wishes were to be cremated with a memorial service to be held at a later date. To sign the online guestbook or to leave a personal condolence, please visit www.cookrosenberger.com. Memorial donations in honor of Robert can be given to a charity of choice. The staff of Cook Rosenberger Funeral Home is honored to care for the family of Robert Arcaro.
“It’s clear that it’s never a good thing when a colleague is sacked. “I would like to wish Andre Villas-Boas all the best in the future, these things can happen in football. “That’s the bitter side of this game that no one wants but can still happen.” Swansea manager Michael Laudrup has also ruled himself out of the running for the Spurs job The Dane has made it clear he has no intention of leaving Swansea in the lurch in the middle of the season. He said: “You can always look at things from different perspectives. The positive one is when your name is linked as someone thinks you are doing well. It is always positive and flattering when others are talking about you and your name is linked with other clubs and Tottenham is a big club. “But I would never leave a club, not Swansea or anyone, in the middle of a season. I have never done that as a player or as a manager and I will not do it in the future.” Southampton host managerless Spurs in the Barclays Premier League on Sunday, seeking their first win in six games. Saints’ Argentinian manager had been widely touted as a potential replacement for Andre Villas-Boas at White Hart Lane. But the 41-year-old boss confirmed no-one from Tottenham has been in touch. Pochettino is happy where he is, especially with the backing of chairman Nicola Cortese. “As a manager what’s really important is that the sporting aspect is under my control, in terms of signings,” Pochettino said. “Without my agreement no signings go through, and those two basic things are very important for any manager.” Tottenham sacked manager Villas-Boas in the wake of last weekend’s humiliating 5-0 home league defeat to Liverpool. Former Spurs midfielder Tim Sherwood will take charge of Sunday’s Southampton clash, but chairman Daniel Levy is still seeking a full-time appointment. Pochettino admitted it is always tough to see a peer lose their job. He said: “I’m always very respectful with decisions that people make at other clubs. Tottenham have made no contact with Mauricio Pochettino about their vacant manager’s job, the Southampton boss has confirmed. Press Association
Arsene Wenger was left sympathising with Mark Clattenburg after the referee was heavily criticised by Manchester City boss Manuel Pellegrini following a 2-2 draw at the Emirates. Martin Demichelis rescued a point for City with a late header, but it was the performance of Clattenburg that was the focus of Pellegrini’s post-match media duties. “Arsenal scored both goals with fouls, of course he cost us victory,” he said of Clattenburg. “Their first goal was unbelievable, there was a push on Sergio Aguero but the referee didn’t want to whistle. “And the second goal there was clearly a push on Kompany when he cleared the ball with a header. That was right in front of the referee as well. “There was a clear penalty, twice against the hands of Wilshere, in front of the linesman. This was a clear penalty. I don’t have a problem with this referee. “I think we had more possession and had more chances. On a normal day we had to win this game.” Wenger was upset at what he labelled ‘systematic fouls’ on his players but admitted the pace of the contest made it a hard game to officiate. “It was a game of top quality between two very good teams played at a tremendous pace, especially in the first half,” he said. Both managers were frustrated. I heard that Pellegrini was not happy with some decisions from the referee, all of them maybe. “In the first half they stopped us going out on the break by systematically fouling. The yellow card came a bit too late in my opinion to be satisfied and stop that systematic fouling. It was not an easy game to referee. “There were situations were there was a fight for the ball, they made a foul then we made a foul and the guy who came out with the ball has been allowed to go. “I don’t think it has been a vicious game, it was just a committed one where players went for the ball with their full commitment.” Wilshere had looked strong for England in their win over Switzerland playing in a deeper role but Wenger deployed him further up the pitch for Arsenal as the 22-year-old put in one of his best performances of late. Jack is coming back physically to his level where he can be,” said Wenger. “But it takes time to find that little fraction of a second where you can make a difference. And it’s so important in the modern game where you can get away from people and win the ball. And it looks today that he found it on a consistent level over 90 minutes. Arsenal could have taken an early lead had debutant Danny Welbeck not seen a deft chip come back off the post after being clear through on Joe Hart’s goal. Although Wenger conceded his new striker may have been better putting his foot through the ball, he was pleased with the contribution of the former Manchester United man. “He did well, I believe he needs to develop his link play with our players but that is normal,” he said. “It is sad that he couldn’t take his chance but overall, when he had a chance to develop his pace, he looked dangerous. We have some things to work on with him but I’m happy with his first game.” Welbeck was replaced late on with cramps but should not feel any lingering effects, whereas Wenger fears full-back Mathieu Debuchy may be sidelined for some time after falling awkwardly towards the end of the game, with the Arsenal manager confirming the former Newcastle defender suffered a badly sprained ankle. The defending Barclays Premier League champions had taken the lead at the Emirates through Sergio Aguero and Pellegrini was left infuriated as he felt the two goals which saw Arsenal turn the game around should have been cancelled out due to fouls in the build up. The Chilean was also angry at what he perceived as a handball inside the box by Jack Wilshere, who coolly levelled for the Gunners before a sweetly-struck Alexis Sanchez volley put Wenger’s men ahead. Press Association
Latest Posts Mike MandellMike Mandell is the sports editor at The Ellsworth American and Mount Desert Islander. He began working for The American in August 2016. You can reach him via email at firstname.lastname@example.org. MPA approves golf, XC, field hockey, soccer; football, volleyball moved to spring – September 10, 2020 Latest posts by Mike Mandell (see all) BUCKSPORT — The many years Joel Sankey has spent as head coach of the Bucksport football team have given him plenty of games he’ll always remember. The Golden Bucks’ season finale last year is one he’d like to forget.Last November, Bucksport’s football season came to an end with a road loss to Foxcroft in the Class D North championship game. It was a miserable night in every respect for the Golden Bucks, who endured frigid temperatures and fell to a 34-0 loss.“It was awful,” Sankey said. “That game was the coldest game I’ve ever been in. The freezing winds were blowing across the field the entire game. The wind chill had to be 15 degrees below zero.”Fast-forward 10 months, and Bucksport and Foxcroft are still two of the top teams in the Little Ten Conference. Although the Ponies got the best of the Golden Bucks once again Friday night, Sankey’s squad this season has the look of one that’s grown leaps and bounds since that frigid trip to Dover-Foxcroft last year.This is placeholder textThis is placeholder textFoxcroft outlasted Bucksport to claim a 21-20 victory Friday at Carmichael Field. The result cut short the Golden Bucks’ attempt to regain first place in Class D North for the first time in four years but affirmed the team’s status as a serious contender for the Gold Ball.After allowing Foxcroft to drive all the way to the red zone, Bucksport got a much-needed stop on defense before pushing the ball to the 40-yard line on offense. From there, senior Carter Tolmasoff ran through the Ponies’ defensive line and down the left sideline to give the Golden Bucks a 6-0 lead with 47 seconds left in the first quarter.Just 12 seconds into the second quarter, though, Foxcroft took the lead after a 35-yard touchdown run from quarterback Matt Spooner and a successful extra point. The Ponies scored again to go ahead 14-6 with 5:54 left in the half and kept Bucksport out of the end zone by a matter of inches on a fourth-down pass with 1:37 left to maintain their eight-point advantage going into halftime.Bucksport needed a big stop to start the second half in order to regain its momentum, and the Golden Bucks got one on the opening drive when they forced the Ponies to turn the ball over on downs. Bucksport capped off a touchdown drive on its next possession when Luke Wardwell scored on a 2-yard run, but Foxcroft stopped the home team short on the ensuing 2-point attempt.“We knew we needed to make some adjustments at halftime, and we were able to get out there in the second half and execute those adjustments,” Sankey said. “We just didn’t get that extra point — it was our first missed extra point all year — or that 2-point try.”Foxcroft took advantage of the stop on the 2-point attempt and went ahead 21-12 midway through the fourth quarter after Hyatt Smith scored from 7 yards out. Bucksport’s Brady Findlay completed a 10-yard touchdown pass to Luke Wardwell and a 2-point conversion cut it to 21-20 with 5:04 left, but Foxcroft ran out the clock on offense to secure the win and first place in Class D North.Tolmasoff finished the game with 133 rushing yards for Bucksport, and Wardwell finished with 69. Findlay completed five passes for 58 yards in his first career loss as the Golden Bucks’ starting quarterback.The loss was a tough one for Bucksport to take, but the Golden Bucks could be in position to earn a rematch with the Ponies come playoff time. The team’s next game will be a home matchup against Mattanawcook Academy (3-1) at 7 p.m. next Friday, Sept. 28.Win or lose, that contest against Mattanawcook will mark the end of the Golden Bucks’ toughest stretch of the season. Yet a Bucksport victory would put the team in position to earn a bye to the Class D North semifinals, where a win could very well earn the team another showdown with Foxcroft for the regional title.“This is just going to motivate us more and push us every day in practice,” Tolmasoff said. “We played a good game and were right there, but it just wasn’t enough this time. Now we know that we have to come out and here and get even better.”Ellsworth/Sumner beats Stearns/SchenckEllsworth/Sumner rushed for more than 500 yards Friday night to earn a 41-12 Homecoming victory over Stearns/Schenck.Javon Williams scored five touchdowns for the Eagles (3-1) and ran for 230 yards on 15 carries. Junior Connor Crawford ran for 160 yards on 12 carries, and Charlie Hughes added another dimension to Ellsworth/Sumner’s strong ground attack with 113 yards on eight carries.On defense, Hughes recorded six solo tackles, six assisted tackles and a fumble recovery, and Malcolm Svec added seven solo tackles, five assisted tackles and a forced fumble. Williams and Nick Taylor earned sacks for the Eagles, and Dustin Dupert recorded an interception.Ellsworth/Sumner head coach Duane Crawford was particularly pleased his team’s performance along the offensive line. The unit has played a big part in the Eagles’ early-season success, and it continued its strong play Friday by dominating Stearns/Schenck (1-3) up front.“The offensive line did a great job creating running room for our backs,” the Ellsworth/Sumner head coach said. “[This was a] great win with lots of contributors.”Ellsworth/Sumner’s next game will be at home at 7 p.m. next Friday against Foxcroft. The matchup will be the Eagles’ first against the Ponies, who dropped down from Class C following the 2016 season. Ellsworth runners compete in virtual Boston Marathon – September 16, 2020 Hospice volunteers help families navigate grief and find hope – September 12, 2020 Bio
The Most Valuable Players prizes for the Guyana Cup 6 which bowls off today were revealed yesterday at Steve’s Jewellery on Church Street by owner and proprietor Steve Naraine. The prizes, inclusive of a gold cricket bat with diamonds encrusted were proudly handed over to president of the Guyana Floodlight Softball Cricket Association,Dharam Persaud and vice-president Ricky Deonarain .According to Naraine,he is proud to once again partner with the GFSCA,since the association has consistently given its support to the softball cricket scene.“They have done a lot for softball cricket in Guyana and they give back to the communities and that’s what I am all about; I am proud to partner with them once again.”The three- day competition will have teams from Canada, New York, Florida and Guyana,which will all compete for cricket supremacy in the Americas.The tournament will be played in the Open and Masters categories with action starting from 9.00 hrs, with 12 games to be played simultaneously at GDF, Police, Malteenoes, DCC and Ghandi Youth grounds .At the DCC ground on November 6, there will be the Masters and Open Finals along with three exhibition 10/10 female games. The female teams include Mikes Wellwoman, Trophy Stall Angels, 4R Lioness and Blue Divas. The day’s event will start at 10:00hrs.Over $2M in cash and other incentives are up for grabs. Tickets cost $1,000 each and will be sold at the gate. Prizes are also up for grabs for spectators who are asked to keep their half tickets in order to be eligible.According to Deonarine the tournament promises lots of excitement and fans will get their money’s worth.
Associated Press A top-division Russian soccer game has been called off after nine people at FC Sochi tested positive for the virus.The Russian Premier League says Sochi’s game against Tambov will not take place as scheduled on Thursday. The league hasn’t said how many of the nine are players.There was no mention of whether the game could be rescheduled. The league is scheduled to finish its season next Wednesday.Sochi last month won a game 10-1 against FC Rostov after a virus outbreak forced Rostov to send a team of youth and academy players. Another club, FC Orenburg, forfeited two games following an outbreak at the club and has since been relegated. Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:___The Big East Conference has joined several other leagues in deciding to play only conference opponents during the fall sports season, if it’s able to play at all. The American Athletic Conference will require all its schools to test football players for COVID-19 at least 72 hours before competition.The announcement Thursday by the American comes ahead of the expected release of recommendations from the NCAA.The Power Five conferences — ACC, Big Ten, Big 12, Pac-12 and SEC — have been working toward a minimum standard for testing throughout major college football. Though the Big Ten and Pac-12 announced last week that they would play only conference games this football season to help minimize potential disruptions caused by COVID-19, other FBS conferences have not yet decided on scheduling formats for the coming season, which appears to be in peril because of the surging pandemic. AAC Commissioner Mike Aresco says the testing protocols will apply throughout the regular and bowl seasons. More operational protocols are still being finalized, as are testing protocols for other sports. ___ The Latest: Big East to hold conference-only games this fall The basketball-focused conference announced the decision Thursday. The Big East still hasn’t decided whether it will conduct a fall season and championships.The league said in the coming weeks, it will continue to monitor COVID-19 conditions across the country and in Big East communities and will provide further updates on dates and formats “as appropriate.” All decisions regarding fall conference competition will be guided by health and safety concerns and will be made in accordance with NCAA actions and policies.The sports affected are men’s and women’s soccer, men’s and women’s cross-country, volleyball and field hockey. The Big East’s plans for the 2020-21 winter and spring sports seasons remain unaffected at this time.The Big East’s members, located in eight of the country’s top 36 largest media markets, are Butler, Connecticut, Creighton, DePaul, Georgetown, Marquette, Providence, St. John’s, Seton Hall, Villanova and Xavier.___ Another game was postponed last month after three virus cases among Dynamo Moscow players.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports July 16, 2020
Syracuse’s first test as the new No. 1 team in the country came on the road at No. 11 Louisville (7-5, 0-5 Atlantic Coast). And the Orange (12-0, 4-0) passed with a 2-1 victory on Friday night in a nationally televised game on ESPN3.Just 4:08 into the contest, Alma Fenne found the back of the net from the top of the circle after receiving a feed from Serra Degnan on the right.The two teams battled the final 31 minutes of the half, with goalie Jess Jecko making three sprawling saves to preserve the Orange lead going into halftime. Jecko again saved Syracuse with about 20 minutes to go when she made a stick save to keep the Cardinals off the board.About six minutes later, Jecko couldn’t stop the Cardinal’s second consecutive penalty corner. Louisville played the ball in and Megan Anstotz made the final pass to Elisa Garcia who, on her game-high third shot, put the ball past Jecko to knot the game at 1-1.The Cardinals generated more corners than the Orange Friday, holding a five to two advantage. The Orange led in the shots category, nine to seven, and the teams tallied the same number of shots on goal with five.AdvertisementThis is placeholder textAt 64:19, Syracuse earned a penalty stroke, which allowed the Orange to send a player to shoot a ball from seven yards away with just the goalie to beat. Roos Weers, the Orange’s leader in points, was sent to shoot and didn’t waste the chance.Weers’ 11th goal of the season gave Syracuse the 2-1 advantage and the lead for good.Jecko made four saves, her highest total in five games.The Orange continues its road trip at Indiana on Sunday at noon. Comments Facebook Twitter Google+ Published on October 9, 2015 at 8:21 pm Contact Sam: email@example.com | @Sam4TR