Thursday, December 14, 2017

Google Alert - "Mobile Payment"

Google
"Mobile Payment"
Daily update December 14, 2017
NEWS
Adoption of mobile payment technology has been slow among both consumers and retailers due to security concerns and the lack of a discernible best-in-class technology to drive this transformation. The security worries have largely fallen by the wayside, and retailers have their choice of a number of ...
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13 (CNA) Consumers in Taiwan spent more than NT$7 billion (US$233 million) through three major international mobile payment services in the last ... started providing payment services for credit card holders in Taiwan March 29, making it the first of the major foreign mobile payment platforms in the ...
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KUALA LUMPUR – Maybank has launched a pilot version of its cashless mobile payment option using QR codes, namely "Maybank QRPay", making it the first bank to introduce such a service in the country. In a statement today, Maybank said the Maybank QRPay, which allows customers to instantly ...
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Kroger's mobile payment partnership comes on the heels of similar announcements from its competitors, including Target and Aldi. Target recently enabled mobile payment through its app, linking its loyalty program as well as its Cartwheel discount program. Walmart, meanwhile, also accepts Chase Pay ...
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UnionPay builds support for mobile app: China UnionPay has linked to more than 30 local banks and payment companies to support Mobile QuickPass, which is designed to link the country's banks in a centralized mobile payment app. Its model is similar to the U.S. bank-led Zelle mobile transfer ...
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These are problems Yoyo Wallet is looking to solve. Talks for the company started around 2012, when mobile payment was becoming an increasingly hot topic of discussion. Apple was in the process of setting up its mobile payment system, while Starbucks overhauled its loyalty scheme by allowing ...
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In a press release, Judopay said it can offer consumers a better digital payment experience with the Visa partnership in place, and offer customers greater mobile payment choices — whether that's payment card, a card on file or digital wallets — at the point of sale. The collaboration also affords Judopay ...
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PORTLAND, Ore., Dec. 13, 2017 /PRNewswire/ -- PayRange Inc., maker of the world's simplest mobile payment solution for machines, announced and débuted its service for Speed Queen and Maytag machines at the June 2017Clean Show. The overwhelming industry response continues to fuel the ...
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In China, the most popular apps include mobile-payment apps, navigation apps, search engines, news readers, and music streaming services. Lei Jun, Shunwei Capital's chairman, who also founded Xiaomi, told the Indian press recently that the Chinese electronics and mobile giant together with ...
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Gemalto has announced that its Trusted Service Hub (TSH) can now offer a single gateway enabling issuers to connect to the Mastercard and Visa tokenization services. According to the company, this will simplify the way financial institutions can launch mobile payment services. Banks and other ...
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"Peppermint's innovative mobile payment and remittance platform is ultimately designed to make life easier for Filipinos by offering secure and easily accessible financial services such as money transfers, eload purchases and household bill payment services." Mr Kain said partnering with SANTE Barley ...
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(Attn.Editors: The following press release comes to you under an arrangement with NewsVoir.PTI takes no editorial responsibility for the same). New Delhi, Delhi, India (NewsVoir)December 13, 2017 -- OBOPAY, the global mobile payment solutions company, recently announced that the company has ...
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Mark Garvie, Asia Pacific managing director for financial institutions at IDEMIA, said the service would be the first offering of its kind in the world. "The rise of mobile payment solutions in the fintech market has the potential to seriously disrupt existing payment methods and this will be one of the channels ...
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With almost 500 million active users spending on average 66 minutes per day in the all-powerful mobile payment app, WeChat, it's no secret that mobile is king in China. GP Bullhound expects mobile video streaming to see a "peak year" in 2018, and leapfrog TV use in the next 24 months. The leading ...
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Today, Wirecard and Mastercard made Pay by Bank app, a fully digital payment solution, available to all Wirecard merchants in the UK. Pay by Bank app was created by Vocalink, a Mastercard company, and it enables people to make 'digital debit' payments for goods and services via their banking app, ...
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PORTLAND, Ore., Dec. 13, 2017 /PRNewswire/ -- PayRange Inc., maker of the world's simplest mobile payment solution for machines, announced and débuted its service for Speed Queen and Maytag machines at the June 2017 Clean Show. The overwhelming industry response continues to fuel the ...
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Gemalto's board turned down an acquisition attempt by IT services company Atos, stating the bid significantly undervalued the company and failed to address the consequences of integration. The company's official response to the €4.3B bid, signed by CEO Phillippe Vallee and chairman Alex Mandl, ...
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MOBILE PAYMENT A total volume of 213,693,964 transactions valued at N19.33 trillion was recorded in the third quarter (Q3) of 2017 as data on Electronic Payment Channels in the Nigeria Banking Sector revealed. A report by National Bureau of Statistics (NBS) released on Wednesday revealed that ...
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Gelbak says customers' card details are stored securely and never exposed in the open as part of the transaction process. The Thursday launch of Fitbit Pay and Garmin Pay caps off a series of launches for Latitude this year, including a total of five mobile payment platforms since August – releasing ...
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Couple secure access with the ubiquity of mobile devices, and connected care health applications have the power to bring effective health care to more people, with applications ranging from mobile payment, symptom reporting, medication management, and telemedicine. Engaging patients in their own ...
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"Cash rules everything around me," American hip-hop band Wu-Tang Clan famously sang back in 1993. And while their song, C.R.E.A.M, remains a timeless hit today, their message has become antiquated in the age of online payments as companies, notably Israel's Payoneer, have revolutionized the ...
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On Dec 4, Singtel announced a strategic partnership with Mobike, a fast-growing Chinese bicycle-sharing company. The Singaporean company, together with associates, plans to help Mobike roll out its service region-wide, through cooperation in mobile payment, the internet of things and data analytics.
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In addition, the presence of China's innovative mobile payment brand in an international airport will help demonstrate the brand's capabilities to travelers from around the world. According to statistics from the Japan National Tourism Organization, Japan received over 25 million foreign visitors in 2017, ...
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The card companies themselves are behind some of those mobile payment capabilities, but to keep physical card usage alive in the market, they need to start making it easier and quicker to complete a transaction. American Express also mentioned increasing EMV chip card adoption as driving change, ...
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COIMBATORE: OBOPAY, the global mobile payment solutions company, has announced that the company has secured a licence for Prepaid Payment Instrument (PPI) from the Reserve Bank of India (RBI) to operate a semi-closed loop wallet in the country. The company said it would also be using the ...
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In 2015, when Lazarus Liu moved home to China after studying logistics in the United Kingdom for three years, he quickly noticed that something had changed: Everyone paid for everything with their phones. At McDonald's, the convenience store, even at mom-and-pop restaurants, his friends in ...
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Last-minute travel deals have exploited this trend, and they've been successful as we're seeing mobile screens grow in size and mobile payment methods get easier. So, no matter your stance on mobile, understand that guests can now make a booking wherever they want, as quickly as they want to.
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... financial and retail areas. CredibanCo is the largest processor in the country and has more than 220,000 affiliated merchants and more than 172,000 points of sales for electronic payment acceptance. The company has been a pioneer in the launch of mobile payment solutions. www.credibanco.com.
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Glance is acquiring all the intellectual property comprising the Blockimpact platform for a cost of US$1.1 million, of which 80% has been paid, with the balance of 20% paid upon completion of the integration of Blockimpact with the Glance Pay mobile payment platform. Global Payout Inc. (OTC: GOHE) ...
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It provides countertop electronic payment terminals that accept card payment options Mobile payment,[43][44] chip and PIN, and Contactless payment,[45] including Near field communication (NFC)[46][47] as well as support Credit and Debit cards, EBT cards, EMV, and other PIN-based transactions; ...
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The idea is simple, yet potentially powerful — create a global network that connects banks, cryptocurrency exchanges, and other regulated financial institutions so that users have a one-stop shop for all their asset-management needs. Payments — in particular mobile payment systems — are already ...
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The feature -- inspired by the Chinese custom of giving cash gifts in red envelopes during the Lunar New Year -- helped popularize the use of Tencent's mobile payment service, Tenpay, and later its peer-to-peer money transfer function. Jim Lai Zhiming, head of Tencent's financial technology department ...
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The Singaporean company, together with associates, plans to help Mobike roll out its service region-wide, through cooperation in mobile payment, the internet of things and data analytics. This partnership, although it does not involve equity investment, is "the classic example" of what Singtel is aiming to ...
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With the help of these other companies, which we have also mentioned here on the site, SING is potentially poising itself to becaome the first, or one of the first companies with a feasible mobile payment solution. this month achieved a corporate milestone of notching a $100 million-dollar market cap.
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Samsung on September 13 officially launched SamsungPay, a mobile payment app, in Vietnam. A representative of Samsung said the conglomerate hopes it can attract a high number of users in Vietnam where Samsung smartphones are popular. Seven banks have connected SamsungPay, allowing ...
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In addition, the report contains the results of a worldwide survey examining the benefits and the challenges associated with mobile payment authentication for m-commerce payments. Maikki Frisk, Executive Director, Mobey Forum, adds: "This paper is part of our ongoing work to help banks and financial ...
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Mobile payment company iZettle, often referred to as the "Square of Europe," has raised €40-million ($47-million U.S.) in a round of equity funding led by VC firm and early backer Dawn Capital and The Fourth Swedish National Pension Fund, with participation from other existing investors. VentureBeat.
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This report gives us an overview of the Global Mobile Payment Technology Market which is classified on the basis of product and its various applications. It also mentions the key area where the demand for Mobile Payment Technology products is going to have. Also based on the type of the product the ...
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Several restaurants and shops at Macau Fisherman's Wharf are accepting cashless payments made via Chinese mobile payment platform Alipay and stored-value card Macau Pass as well as the latter's e-wallet application MacauPay. Macau Fisherman's Wharf (pictured) is a waterside facility on the ...
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Users can see who's purchasing what, and automatically split the bill with Venmo, a mobile payment service from Paypal that allows for quick money transfers among users. The service is especially intended to be useful for roommates, colleagues, families and anyone organizing a group trip.
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New Delhi, Delhi, India (NewsVoir)December 13, 2017 -- OBOPAY, the global mobile payment solutions company, recently announced that the company has secured alicense for Prepaid Payment Instrument (PPI) from the Reserve Bank of India to operate a semi-closed loop wallet in the country.
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He also founded a mobile payment company called Zong which was later acquired by Paypal in 2011. Welcoming Mr. Marcus, Coinbase CEO and co-founder Brian Armstrong said: "David's perspective and experience in bringing innovative and impactful products to market will be invaluable to ...
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Mobile payment solutions firm iZettle said on Wednesday it had raised 40 million euros ($47 million) in funding, bringing in one of Sweden's largest pension funds as a new investor as it prepares for a listing. The Swedish fintech start-up, operator of commerce platforms for small businesses in Europe ...
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They will hand you the paper menu and you can place an order and pay using your mobile phone's mobile payment options (WeChat Pay, Alipay) or swipe a card. If you want to pay by cash, then you need to go to the cashier to place an order. After placing the order, the app will tell you the name of the ...
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We are glad to see Alipay, the popular Chinese mobile payment platform, has been gradually adopted by Finnish service industry. Chinese Lucky Air will start flying to Helsinki from Kunming via Chengdu as of winter 2018. And Finnair will launch direct flight to city Nanjing, which marks its 7th destination ...
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"We have seen fintech enter the popular consciousness in a big way this year due to developments in mobile payment technology, and the introduction of blockchain technology that have ignited the public interest and pushed the sector's growth," he said. In the Middle East, he said the fintech sector is ...
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The latest developments in the consumer internet space in Indonesia has seen ride-hailing transportation app Grab and its Indonesian unit Kudo form a strategic partnership with mobile payment and transaction app PayTren to further penetrate the country's middle-class market segment, while digital ...
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According to research by the Tencent Research Institute, Chinese consumers spent 5.5 trillion yuan ($830 billion) through mobile payment platforms in 2016, about 50 times more than their US counterparts. Today, consumers in China can leave the house without a wallet, but they can't leave the house ...
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As more and more Chinese tourists visit European countries, Chinese mobile payment app Alipay's coverage in the region is expanding. Finland's biggest chain of department stores Stockmann agreed to install Alipay as one of its payment methods on this September preparing for Golden Week, ...
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... areas, for card machines to be made easy to use and to make sure businesses and residents are not impacted by people parking nearby to avoid paying. The committee agreed to recommend introducing charges on the five busiest sites, which could be paid by card, mobile payment and annual pass.
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WEB
Mobile Payment 2017 Segmentation, Application, Technology and Analysis Report Forecast to 2021
The analysts forecast the global mobile payment market to grow at a CAGR of 35.55% during the period 2017-2021.
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Mobile Payment
At Universal Processing, our mobile payment processing services allows clients to accept payments on the go, anywhere and anytime. Whether the clients want to take credit cards by iPhone, iPad, tablet, or any other mobile device, we will find a solution that accommodates the client's business.
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Alipay, WeChat Pay Enter Southeast Asia and Local Mobile Payment Market
Ant Financial has accelerated its deployment of local wallets since earlier this year. It launched mobile payment systems in Thailand and the Philippines. According to Ant Financial, they company has entered 10 Southeast Asia and South Asia countries, including India, the Philippines, and Thailand, ...
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New app for mobile payments
Under the guidance of China's central bank, China UnionPay has launched a mobile payment application jointly with more than 30 commercial banks, in an effort to enhance competition with mobile payment giants such as Alipay and Tenpay. With a unified mobile payment gateway, Cloud Quick Pass, ...
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Kroger Will Enter the Mobile Payment Market with Chase Pay
Kroger Will Enter the Mobile Payment Market with Chase Pay. December 13, 2017, Written By Natalie Rutledge. Grocery stores could become some of the most popular places mobile wallets will be used because people have to visit them on a regular basis. Once consumers get in the habit of using their ...
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Alipay
Alipay is a third-party online payment platform, and is the most popular mobile payment solution in China. As at October 2016, Alipay had the biggest market share in China with 400 million users and had control of about half of China's online payment market. This means that one out of two Chinese ...
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foodpanda HK wins big betting on mobile payment
Setting up a one-click payment procedure made a huge difference for foodpanda in Hong Kong and ensured a high rate of completed transactions through mobile phones.
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Mobile payment apps singapore
Mobile payments via mobile two mobile wallet services in Singapore: is Singtel's third version of a mobile payment app. NETS is a leading payments company in Singapore and operates Singapore's national PIN debit scheme as well as the largest acceptance infrastructure in the country located Jun 18, ...
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Target stakes claim to mobile payments with Wallet
Target Monday officially became the latest big-box retailer to add an in-store, mobile-payment feature to its app in a move that also combines the company's digital coupon program into a single scan at checkout. Target's new feature, called Wallet, at the moment is aimed at customers who possess a ...
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OCAC.ROC(Taiwan)
Taipei, Dec. 13 (CNA) Consumers in Taiwan spent more than NT$7 billion (US$233 million) through three major international mobile payment services in the last seven months of this year, according to statistics released Wednesday by the Financial Supervisory Commission (FSC). Speaking at a ...
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Free Mobile Payment Icon
ios11 的免费的扁平化Mobile Payment 图标; 可以PNG,SVG 和字体格式下载。
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Mobile payment vector icon
Download the royalty-free vector "Mobile payment vector icon" designed by Best Vector Icons at the lowest price on Fotolia.com. Browse our cheap image bank online to find the perfect stock vector for your marketing projects!
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Vietnam mobile recharge
Created by M_Service, MoMo is one of Vietnam's leading mobile payment apps that allows users to pay online and make peer-to-peer payments in just a few seconds. Join our 1 million happy customers! Vietnam Service by Mobi4U. RechargeVN (http://www. From your mobile, dial 900 (a free call).
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payone-gmbh/mage1-payment-request
... support to numerous Sparkasse banks, the full-service payment service provider also provides cashless payment transactions services to more than 255,000 customers from various branches – whether that be in stationary retail or when completing e-commerce and mobile payment transactions.
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Volks- and Raiffeisenbanken are testing mobile payment with Mastercard
The Volksbanks and Raiffeisenbanks want to offer owners of their Mastercards contactless payment by smartphone soon. First of all, a test phase will be started for this purpose starting today. The Volksbank Mittelhessen and VR Bank HessenLand serve as pilot banks. One uses the encryption ...
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PPA begins re-launching mobile payment app 'meterUP'
PHILADELPHIA (WTXF) – Paying for parking by smartphone is up and running in parts of Philadelphia. The parking app meterUP relaunched Monday and is set to expand across the city over the next four months. Using a smartphone, drivers can pay for parking remotely and add time to the kiosk.
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Nfc payment apps
These payment apps – or mobile wallets – include popular mobile payment solutions like Apple Pay and Android Aug 31, 2017 GPS device company Garmin joined the growing list of wearable manufacturers launching contactless payment apps for smartwatches, with the announcement of Garmin Pay.
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credit card payment processing equipment mobile wireless pc and more
MONEXgroup - Debit & Credit Card Processing. Accept credit and debit card payments with MONEXgroup, ... Accept Credit and Debit Card Payments with Canada's ... Wireless Terminals; Mobile Payment Processing;. Chat now ...
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Pnc mobile payment
PNC Merchant Services® offers mobile payment solutions designed for businesses servicing, or selling, outside of a traditional office or retail environment. With a wireless terminal, you enjoy a lightweight, handheld solution for fast, secure and error-free transactions -- wherever business takes you.
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Spending via 3 foreign mobile payment services tops NT$7 billion
million) through three major international mobile payment services in the last seven months of this year, according to statistics released Wednesday by the Financial Supervisory Commission (FSC). Speaking at a hearing held by the finance committee of the Legislative Yuan, FSC Chairman Wellington ...
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Mobile payment icon vector
Download the royalty-free vector "Mobile payment icon vector" designed by mrswilkins at the lowest price on Fotolia.com. Browse our cheap image bank online to find the perfect stock vector for your marketing projects!
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The Payment Innovation Hub starts operating with a mobile payment project for the Sierra Nevada ...
Home > Events & News > Barcelona Global Update > The Payment Innovation Hub starts operating with a mobile payment project for the Sierra Nevada ski station. Back. The Payment Innovation Hub starts operating with a mobile payment project for the Sierra Nevada ski station. Caixabank, Global ...
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Mobile payment method vector icon
Download the royalty-free vector "Mobile payment method vector icon" designed by Best Vector Icons at the lowest price on Fotolia.com. Browse our cheap image bank online to find the perfect stock vector for your marketing projects!
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mobile payment system
Target has launched its own mobile payments system. It has introduced Wallet in its App, Target. The feature will be available for the iOS and Andriod users. ... Read More. 1 / 1 POSTS. FTReporter.com. FinTech or Financial technology Media - FTReporter.com. All financial and technology news, news ...
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Free Online Payment Icon
All icons are in the same flat style. You can either download free PNG icons or buy SVG vectors. Cotton. Visa icon. Mobile Shopping icon. Online Store icon. Romance icon. Online Order icon. Mobile Payment icon. Mobile Payment System icon. Online Paint Tool icon. Online Support icon. Check icon.
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BRIEF-Kroger And Chase Pay Announce Mobile Payment Partnership
BRIEF-Kroger And Chase Pay Announce Mobile Payment Partnership. * KROGER CO – ‍TEAMING UP WITH CHASE PAY TO OFFER MOBILE PAYMENTS STARTING WITH SELECT RETAIL MARKETS AND E-COMMERCE PROGRAMS IN 2018​ Source text for Eikon: Further company coverage:
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mobile payment
Mobile payment methods will replace cash and cards in UK by 2020, according to research by Visa Europe. The study, which was concluded upon the participation of 12,015 European consumers, The post Visa Europe Predicts Boom in Mobile Payment Sector by 2020 appeared first on NEWSBTC.
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Judopay and Visa strike in-app payments agreement
Judopay and Visa's CyberSource partner to bring in-app payments to merchants globally. In-app payments forecast to be worth $1.2 trillion across North America and Europe by 2020¹; Businesses in 190 countries now offered rapid, simple mobile payments integration whilst retaining acquiring bank.
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mobile payment
The contents of your wallet are under attack. Earlier this month Coin swept in threatening to eliminate the need for all of your beloved non-cash payment methods and now Google Wallet is making it even easier to capture your plastic with its latest Android update. Along with the introduction of …
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Kroger soon to accept Chase Pay mobile wallet
The mobile payment wars are making their way to a grocery store near you. Kroger, the largest U.S. supermarket chain, will begin offering JPMorgan's Chase Pay mobile wallet in certain markets beginning next year, the two companies said Tuesday in a statement. The partnership will be Kroger's first ...
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Imps p2a hdfc
IMPS Mobile banking features insta mobile payment IMPS or Interbank Mobile Payment Service is a technology which offers an instant IMPS – Online Money transfer in 30 seconds from your HDFC Bank; Lakshmi Consumer complaints and reviews about HDFC Bank - Deducting the amount. Example: ...
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Omise mobile payment
Omise mobile payment. Omise is a payment gateway for Southeast Asia, based in Thailand, providing a secure and white label solution to merchants and enterprise businesses. The United . Following the closure of its $25 million ICO token sale yesterday, Asian fintech startup Omise has bulked up its ...
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2018 payment trends: Safer data, faster payments, better experiences
Mobile order and pay accounts for 10% of Starbucks' in-store sales in the U.S., and Walmart Pay could shortly become the country's most used mobile payment platform. Emboldened by this success, we have seen the launch of various retail wallet solutions across the globe, such as Tesco Pay+ in the ...
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PayLite Mobile Payment
PayLite Mobile is the easiest way to collect mobile payments using your EXISTING payment processor and no card swiper gizmo needed! Simply register on our website, enter your payment processor information and start accepting payments on your mobile phone. No need to sign up with a new ...
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Kroger and Chase Pay Announce Mobile Payment Partnership
Kroger and Chase Pay Announce Mobile Payment Partnership. " Through the partnership, Chase's 65 million customers will have an opportunity to use Chase Pay at Kroger for online and in-lane purchases. "Kroger is one of the places our customers shop the most, and it's great to deliver more value to ...
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Linear Online Payment Vector Illustration
Free Vector Art - Vecteezy is a HUGE collection of free vector art, vector graphics, illustrator brushes, Vector Wallpaper Backgrounds, Silhouettes and more!
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Mobile money transfer
A smartphone Fast, secure, reliable and convenient way to instant money transfer across India, with India's leading money remittance api service Mobile payment (also referred to as mobile money, mobile money transfer, and mobile wallet) generally refer to payment services operated under financial ...
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On the road with mobile payments tech
"If we didn't offer mobile payment solutions I predict we would probably lose at least 60 percent of our sales." The bus gives Moustache the chance to reach new fans, and do market research. "There's definitely a lot more work involved when it comes to going mobile, but the rewards are high in the sense ...
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Hello everyone, the mobile payment system PreICO for your reference. Please visit SuperPay.vip ...
Hello everyone, the mobile payment system PreICO for your reference. Please visit SuperPay.vip project. Thank you. Posted on December 14, 2017 Posted inICO. Hello everyone, the mobile payment system PreICO for your reference. Please visit SuperPay. Today, we will launch SuperPay.vip PreIco ...
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Kroger to add mobile payments
The mobile payment wars are making their way to grocery stores. Kroger Co., the largest U.S. supermarket chain, will begin offering JPMorgan Chase & Co.'s Chase Pay mobile wallet in certain markets beginning next year, the two companies said Tuesday in a statement. The partnership will be Kroger's ...
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Money transfer through mobile phones
Does the customer The Venmo mobile-payment app connects users to bank and credit-card accounts, and then links them up with friends to send and receive money on-the- go. Start mobile banking today to use online money transfers. Mobile phone top-up; MoneyGram Plus; Money MoneyGram offers ...
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Mobile Payment Technology Market Development Status and Forecast in technology Sector 2022
This report studies the global Mobile Payment Technology market, analyzes and researches the Mobile Payment Technology development status and forecast in United States, EU, Japan, China, India and Southeast Asia. This report focuses on the top players in global market, like PayPal Boku, Inc ...
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Mobile Payment 2017 Segmentation, Application, Technology and Analysis Report Forecast to 2021
The Global Mobile Payment Market 2017-2021, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this ...
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Target Lets You Pay With New 'Wallet' Mobile Payment System
... Target does not accept payments using Apple Pay for in-store purchases, items bought from Target's online store can still be paid using Apple's payment platform. [Featured Image by Target]. Article Appeared @https://www.webpronews.com/target-lets-pay-new-wallet-mobile-payment-system-2017-12/ ...
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Mobile Payment Technology Market Development...
This report studies the global Mobile Payment Technology market, analyzes and researches the Mobile Payment Technology development status and forecast in United States, EU, Japan, China, India and Southeast Asia. This report focuses on the top players in global market, like. PayPal; Boku, Inc ...
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How does mobilepay work
Can the Sony Erricsons Your first instinct: Spend more hard-earned cash trying out Apple's mobile payment system, Apple Pay. The question is, how? How does Apple Pay work on the Watch? Jun 12, 2014 · What exactly does Starbucks mobile payments app do, by how consumers have embraced ...
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