CREDIT CARD TERMS AND CONDITIONS CREDIT GUIDE INFORMATION STATEMENT

May 12, 2019

This Credit Guide will assist you, when choosing your provider of credit services. This Guide contains information about bcu’s credit products and services, remuneration, commission and other benefits, dispute resolution, what to do if you have a complaint and how to contact us. bcu has an Australian Credit Licence number 241077 which authorises us to be a credit provider in relation to consumer lending products, regulated by the National Credit Code.

Spotlight

AFRICUNIA BANK

AFRICUNIA BANK is a Blockchain Technology 3.0 and Cryptographic Currency Development Bank. We are aiming to develop the World first ever Crypto-based Point of Sale (PoS) and a Hybrid Blockchain Technology (combining Prove of Work + Prove of Stake), developed in all known programming languages. Registered in England & Wales as AFRICUNIA and providing Banking and Financial Services, we believe perhaps developing a cryptocurrency which is consistent with sound risk management and alignment with conventional banks can bridge the gap. If a proper legal framework can be developed to guard against regulatory uncertainty, then it can act as a catalyst for adoption and use of these digital currencies.

OTHER WHITEPAPERS
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Digital in Banking - The Evolving Equation

whitePaper | August 31, 2022

Digital evolution in the banking sector has seen significant positive movement over the last decade and continues to evolve at a rapid pace. As per reports, more than half of all banking transactions were within the bank’s network about 15 years ago. The number has fallen to less than 10% in 2020.

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Digital Payments Materialization & Beyond

whitePaper | June 8, 2022

The non-cash payments typically constitute digital payments. The global payment landscape is rapidly changing and offers newer innovative solutions to retail and wholesale customers. As customers adopt these payment solutions, there is an increase in payments volume and value worldwide. Over the last few years, the global payments revenue has been growing consistently at 6-8% across geographies.

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Hedging Risk and Setting Budget Rates

whitePaper | February 17, 2023

Managing a cross-border business brings with it a range of opportunities for growth, as well as some challenges! An informed approach to managing global payments and foreign currency exposure for one payment or thousands—will benefit your business, saving time, protecting your bottom line, and allowing you to take advantage of new opportunities. The foreign exchange market can feel, well, ‘foreign’. What moves markets? Why does one currency weaken and another rise? In the following pages, we’ll discuss some of the causes and effects of currency volatility, and strategies for staying on top of your foreign currency exposures and mitigating risk.

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DRIVING SALESFORCE FINANCIAL SERVICE CLOUD ADOPTION AT BANKS

whitePaper | September 29, 2022

While it may seem like common sense alone would influence end users to adopt the superior FSC tools that you are rolling out, we see many clients underestimate end user resistance.

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Digital Banking: Accelerating Financial Inclusion

whitePaper | December 7, 2022

Financial inclusion can be characterised as a means to an end. By ensuring access for households and small and medium enterprises to safe, essential financial services, financial inclusion is a key facilitator of inclusive economic growth. Not only does financial inclusion promote regional economic objectives, it is also considered as an enabler for 7 of the 17 sustainable development goals defined by the United Nations Department of Economic and Social Affairs.

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Banking in the digital arena: Are we heading towards the Meta-Bank?

whitePaper | June 21, 2023

Over the past few years, the banking industry has experienced a radical paradigm shift towards digital adoption, driven by a progressive change in needs and habits of its customers, further accelerated by the Covid-19 pandemic context.

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Spotlight

AFRICUNIA BANK

AFRICUNIA BANK is a Blockchain Technology 3.0 and Cryptographic Currency Development Bank. We are aiming to develop the World first ever Crypto-based Point of Sale (PoS) and a Hybrid Blockchain Technology (combining Prove of Work + Prove of Stake), developed in all known programming languages. Registered in England & Wales as AFRICUNIA and providing Banking and Financial Services, we believe perhaps developing a cryptocurrency which is consistent with sound risk management and alignment with conventional banks can bridge the gap. If a proper legal framework can be developed to guard against regulatory uncertainty, then it can act as a catalyst for adoption and use of these digital currencies.

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