Föhrenbergkreis Finanzwirtschaft

Unkonventionelle Lösungen für eine zukunftsfähige Gesellschaft

Archive for 29. September 2018

Modernes Banking spaltet die Österreicher

Posted by hkarner - 29. September 2018

Bettina Pfluger, 29. September 2018, 14:00 derstandard.at

Für Bezahlen und Banking gibt es mittlerweile viele Möglichkeiten. Das Verhalten der Kunden teilt Österreich in zwei Hälften, zeigt eine Studie.

Wie stehen die Österreicher zum Bargeld? Bezahlen sie lieber mit Karte oder bar? Nutzen sie Onlinebanking, oder brauchen sie noch eine Bankfiliale? Und wie sieht es mit den Angeboten von Fintechs und Kryptogeld aus? Diesen Fragen ist die Oesterreichische Nationalbank (OeNB) nachgegangen. Die Ergebnisse der Studie „How Austrians bank and pay in an increasingly digitalized world“ zeigen deutlich: „Es gibt eine digitale Trennlinie“, erklärt Doris Ritzberger-Grünwald, Direktorin der Hauptabteilung Volkswirtschaft der OeNB. Die eine Seite agiert digital und modern, zahlt oft mit Karte oder kontaktlos, macht Onlinebanking und braucht die Infrastruktur einer Bank nicht unbedingt. Die andere Hälfte setzt auf Bargeld, geht regelmäßig in eine Bankfiliale und ist „weit entfernt vom Onlinebanking“, sagt Ritzberger-Grünwald. So nutzen 58 Prozent der Österreicher ab dem 15. Lebensjahr Onlinebanking, 32 Prozent besuchen einen Bankschalter höchstens einmal im Jahr, und 50 Prozent bezahlen mit der Karte – gern auch kontaktlos. Demgegenüber stehen 43 Prozent, die zumindest einmal im Monat zum Bankschalter gehen.

Hohe Affinität

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The SEC threatens to ban Elon Musk from running any company

Posted by hkarner - 29. September 2018

Date: 28-09-2018
Source: The Economist

Half of Tesla’s value could disappear with him

ELON MUSK has probably played a greater role in the success of his company than any chief executive in recent memory apart from Steve Jobs, who led Apple to greatness. It is hard to imagine the rise of Tesla, a pioneering electric-vehicle (EV) manufacturer, from obscure startup to world leader without the technical genius, showmanship and sheer audacity of Mr Musk.

So it comes as a shock that the Securities and Exchange Commission (SEC), the main regulator of America’s stockmarkets, now wants to ban Mr Musk for life from serving as a director or senior officer at any publicly listed company, including Tesla. After the close of trading on September 27th, the SEC filed a civil lawsuit against Tesla’s boss (but not against Tesla) alleging that he misled shareholders about his plan to take the company private. The mercurial Mr Musk had tweeted on August 7th, “Am considering taking Tesla private at $420. Funding secured.”

In one of the most significant civil prosecutions of alleged securities fraud in many years, the SEC is now seeking to prove in court that Mr Musk defrauded investors through his bizarre and ill-considered actions. The nub of its argument, as laid out in its official filing document, is that Mr Musk “knew that he had never discussed a going-private transaction at $420 per share with any potential funding source.” Den Rest des Beitrags lesen »

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The NHS genomic service could transform medicine

Posted by hkarner - 29. September 2018

Date: 28-09-2018
Source: The Economist

Its size, universal coverage and lifelong health records make it uniquely valuable for research

FORTY per cent of the babies born in Britain in the week starting on March 3rd 1946 became the first subjects in a project that eventually achieved global scientific renown (and inspired its share of laboratory envy). Along with children from three younger generations, 58,000 in total, those babies have been followed by researchers throughout their lives. Troves of data on everything from child development to ageing have helped to shape health care in Britain and beyond.

Now the National Health Service is launching another big-data programme that could be just as transformative. From October, NHS England will begin to routinely carry out a standard set of genomic tests for some cancers and rare diseases, filling in the patchy use of such tests today. Crucially, for patients who consent, the data from these tests will be held at a national research centre along with their health records. The NHS’s size, universal coverage and cradle-to-grave health records promise to make the database uniquely useful. Den Rest des Beitrags lesen »

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Labour’s creep towards a second referendum creates more uncertainty

Posted by hkarner - 29. September 2018

Date: 27-09-2018
Source: The Economist

The party backs a motion that leaves all options on the table

THE most striking mood-swing at this year’s Labour conference was the growing hostility to Brexit. In place of previous ambivalence, badges screaming “Bollox to Brexit” were everywhere. Fringe meetings were thick with members denouncing a Tory Brexit designed to benefit corporate interests at the expense of workers. And when Sir Keir Starmer, the shadow Brexit secretary, declared that parliamentary deadlock might justify a people’s vote, adding that nobody could say that Remain would not be an option, he received one of the conference’s biggest standing ovations.

Sir Keir claims that the party is united on Brexit, but it is not. A long and much-contested motion, passed at the conference, leaves all options open, including another vote. For all Labour’s pretence at being constructive this week, Sir Keir’s six tests mean that the party is all but certain to oppose any deal Theresa May brings back from Brussels. The party leadership is more Eurosceptic than the membership. It is also more dubious about the idea of a second referendum. Some big trade unions, as well as quite a few Labour MPs, are unhappy being seen to challenge the democratic decision of June 2016. Although polls show rising support for a fresh vote on a Brexit deal (see chart), party leaders fret that calling for it to include a Remain option could drive Leave voters in Labour seats into the Tories’ arms. Den Rest des Beitrags lesen »

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