Marketing investment boosts bet-at-home revenue in Q1

first_img Subscribe to the iGaming newsletter Regions: Europe Central and Eastern Europe Western Europe Germany Switzerland Austria Email Address 29th April 2019 | By contenteditor Casino & games Marketing investment boosts bet-at-home revenue in Q1 Topics: Casino & games Finance Sports betting Betclic Everest Group subsidiary bet-at-home has reported an 18.8% year-on-year increase in net gaming revenue for the first quarter of 2019, with the operator crediting marketing efforts for the growth.Turnover for the three months ended March 31, 2019 rose 12.7% to €827.3m (£713.9m/$923.2m), comprising €684.3m from online gaming, and a further €142.9m from sports betting.Customers won €790.0m over the quarter, leaving gross betting and gaming revenue of €37.2m, up 12.1% from Q1 2018. An increase in betting fees and gaming levies to €5.3m was offset by a significant reduction in Value Added Tax on electronic services – down 55.6% to €850,000 – left net revenue of €31.1m.Over the quarter the operator reported a rise in expenses, with personnel costs up 5.6% to €4.6m, and marketing costs rising 6.9% to €8.2m. The bulk of marketing spend went on bonuses and player vouchers, which accounted for €3.2m (38.5%) of the total, followed by advertising costs of €2.1m. The marketing investment helped grow customer numbers 4.1% to 5.1m as of March 31, 2019.This increased investment in marketing was to continue throughout 2019, bet-at-home said, with TV advertising, print and online media, bonus promotions and sponsorship agreements to be used to raise brand awareness.Coupled with other operating expenses growing 21.2% to €6.0m, this left earnings before interest, tax, depreciation and amortisation of €12.7m, a 35.6% year-on-year rise.Once amortisation and depreciation-related expenses of €460,000, plus €24,000 in finance costs were stripped out, bet-at-home posted a pre-tax profit of €12.2m. After income taxes of €4.4m (up 33.8%), the operator’s net profit for the quarter was up 35.4% at €7.8m.“The results for the first quarter of 2019 reflect the success of the targeted marketing investments in the financial year 2018, as gross betting and gaming revenues as well as all key earnings figures increased significantly year-on-year,” the operator’s chief executives Franz Ömer and Michael Quatember said.Despite the first quarter growth, the operator anticipates a fall in gross betting and gaming revenue in 2019. This, it said, was largely due to legal uncertainty in the Swiss market, where the igaming market is to be restricted to offerings launched by the country’s land-based casinos.As a result gross revenue for the year is projected to fall between €130m and €143m, with EBITDA expected to come in between €29m and €33m. Tags: Mobile Online Gambling AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Betclic Everest Group subsidiary bet-at-home has reported an 18.8% year-on-year increase in net gaming revenue for the first quarter of 2019, with the operator crediting strategic marketing efforts for the growth.last_img read more

New Vision Printing and Publishing Company Ltd (NVL.ug) 2016 Annual Report

first_imgNew Vision Printing and Publishing Company Ltd (NVL.ug) listed on the Uganda Securities Exchange under the Paper & Packaging sector has released it’s 2016 annual report.For more information about New Vision Printing and Publishing Company Ltd (NVL.ug) reports, abridged reports, interim earnings results and earnings presentations, visit the New Vision Printing and Publishing Company Ltd (NVL.ug) company page on AfricanFinancials.Document: New Vision Printing and Publishing Company Ltd (NVL.ug)  2016 annual report.Company ProfileNew Vision Printing and Publishing Company Limited is a multi-media company with extensive interests in newspaper and magazine publications and television and radio broadcasting. Leading newspaper publications in the New Vision stable include The New Vision, Saturday Vision, Sunday Vision, Rupiny and ETOP; leading magazine publications include Bride & Groom, Flair for Her, Bukedde, Bukedde Lwamukaaga, Bukedde Ku Ssande and Kampala Sun. The company oversees online publications, including sites that advertise jobs, services and activities. New Vision operates a platform for bulk SMSes, polling and aggregation. Radio stations in the media group include XFM, Bukedde FM, Radio West, Radio Rupiny, Etop Radio, and Arua One FM; and free-to-air television channels such as Bukedde TV, TV West, and Urban TV. Its commercial division prints books, annual reports, diaries, calendars and other products corporate stationary needs. Its marketing services division offers expertise in social media and media research services which includes managing online campaigns and organised events. New Vision Printing and Publishing Company is listed on the Uganda Securities Exchangelast_img read more

Australia pushed all the way by Ireland in Melbourne

first_imgSunday Jun 15, 2008 Australia pushed all the way by Ireland in Melbourne The new era of Australian rugby has begun in positive fashion as coach Robbie Deans started his tenure in charge with a hard fought 18-12 victory over Ireland in Melbournes Telstra Dome on Saturday.A 15-7 halftime lead had the Wallabies in control, but Ireland came back strongly and threatened to ruin the party for the home team with some great play by fullback Rob Kearney and loose forwards Jamie Heaslip and Stephen Ferris in particular.Australia looked rusty, and why wouldnt they, after assembling only 12 days before the start of their international season, with their coach having joined the squad shortly after masterminding another successful Crusaders Super 14 win.All credit to the Irish though, who proved theyre no pushovers and through a lack of precision just werent good enough on the night.To get through that, there was some good defence. It looked tenuous at times but that’s the nature of Test rugby: it’s never one-way traffic, said Wallabies coach Deans.They will be sore this morning. It’s a good feeling when you wake up sore and know you’ve done the business.You have to work hard for a Test win. You never get given a Test victory. It was gutsy stuff.Ireland dominated the closing stages, but Australia held firm to keep out the Irish who will feel that this was another one that got away. All four tries are shown in this clip. Time: 05:10ADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Related Articles 81 WEEKS AGO scottish prop saves fire victim 84 WEEKS AGO New Rugby X tournament insane 112 WEEKS AGO Vunipola stands by his comments supporting… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingDoctors Stunned: This Removes Wrinkles Like Crazy! (Try Tonight)Smart Life Reports30+ Everyday Items with a Secret Hidden PurposeNueeyShe Was the Most Beautiful Girl in the World. What She Looks Like Now is InsaneNueey10 Types of Women You Should Never MarryNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel ADVERTISEMENT Trending 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 Great Tries 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 1 WEEK AGO Veainu finishes superb try after octopus style offload from Waisea 2 WEEKS AGO FULL MATCH REPLAY: Huge stars on show when All Blacks host Pacific Island XV in 2004 2 WEEKS AGO WATCH: Hooker produces ridiculous speed to score 60-metre wonder try for Hurricanes View All Big Hits & Dirty Play 1 DAY AGO Awesome new Etzebeth montage will have Springboks fans psyched for Summer Lions tour 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 1 WEEK AGO AWESOME video shows the very biggest and best tackles of the 2020/21 season View All See It To Believe It 4 DAYS AGO Cheetah racer Habana reveals what was actually going through his mind that day 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash View All Funnies 2 WEEKS AGO Joe Marler elated in special interview as fans return to The Stoop 2 WEEKS AGO WATCH: One of the luckiest and most bizarre tries you will EVER see 2 WEEKS AGO WATCH: Reds players caught out in hilarious celebration blooper vs Chiefs 2 WEEKS AGO WATCH: Faz, Piutau and Burns star in hilarious try fail compilation 4 WEEKS AGO MLR: Giltinis howler sees try overruled despite attempts to celebrate View All Amateur 32 WEEKS AGO Viral video of Scottish club brawl goes down a storm with rugby community 69 WEEKS AGO RUGBYDUMP BLITZ: This Best of the Week round up is sure to entertain you 69 WEEKS AGO RD BLITZ – Disaster, just when it looked so promising… 69 WEEKS AGO That glorious moment that will live on forever, like it or not 69 WEEKS AGO RD Blitz – PROP’S Lionel Messi wizardy creates incredible try View All Player Features 16 WEEKS AGO WATCH: Bumping off tacklers and taking high balls, Rob Kearney had an impressive Super Rugby debut 21 WEEKS AGO Brian Moore on money in modern rugby and how it should never be compared to ‘outlier’ football 22 WEEKS AGO Tuisova’s wrecking ball montage will make you grateful you never made it as a pro 28 WEEKS AGO New Zealand rugby pod admit Owen Farrell is world class 29 WEEKS AGO WATCH: Bath prop launches Amazon documentary focused on those from non-traditional backgrounds View All Related Content from the RugbyPass Network ‘What you do today is how you’re going to be remembered’: Spirit of Rugby – Ep 5 In Spirit of Rugby episode 5, Jim Hamilton talks Lions with Matt Dawson, Jeremy Guscott, Rob Kearney, Simon Shaw, Tom Croft and John Bentley. Watch: Reforging the Steelers | Episode 2 | RugbyPass Original Documentary In Episode 2 of Reforging the Steelers, we follow the team through rounds two to four as they try to get their season on track after an opening loss to competition powerhouses Tasman. ‘I’d pent-up frustration, a lot I probably didn’t realise’: Marcus Watson’s emotional Wasps return Set to turn 30 later this month, Marcus Watson had an early birthday present last weekend when he finally made it back into the Wasps XV. Gavin Coombes grabs four tries as Munster easy to victory over Zebre Gavin Coombes scored four tries at Zebre as Munster secured second place in the northern section of the Guinness PRO14 Rainbow Cup. Leinster finish with Rainbow flourish as fans attend RDS for first time in 16 months Retiring duo Scott Fardy and Michael Bent bowed out on a winning note as Leinster finished the Rainbow Cup with a victory over Dragons. Final round of the Gallagher Premiership hit by a second match cancellation The final round of the Premiership lost the Worcester-Gloucester match on Tuesday and now Bristol versus London Irish is off. Australia pushed all the way by Ireland in Melbourne | RugbyDump – Rugby News & Videos RugbyDump Home RugbyDump Academy Store About Contact Legal Privacy Policy Cookie Policy Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features RugbyDump Home RugbyDump Academy Store About Contact Sitemap Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features Legal Privacy Policy Cookie Policy Sign In Username or Email Password Stay logged in Forgot password Thank you for registering Click here to login Register Register now for RugbyDump commenting & enewsletter. * Required fields. Username * Password * Email * Password Repeat * Please send me news, information and special offers from RugbyDump By clicking register you agree to our Privacy Policylast_img read more

Lillesteile House / SKAARA Arkitekter AS

first_imgArchDaily Manufacturers: GRAPHISOFT, EGE, Kebony, Moelven, SML Lighting AS, Svenneby Sag og Høvleri, iGuzzini, Bærum Ferdigplen, Caran d`Ache, Duri Fagprofil, Element AS, Vartdal Plast, Vudesta Products translation missing: en-US.post.svg.material_description Kim Skaara Architects: SKAARA Arkitekter AS Area Area of this architecture project Norway ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/917328/lillesteile-house-skaara-arkitekter-as Clipboard “COPY” Year:  Houses Area:  153 m² Year Completion year of this architecture project CopyHouses•Oslo, Norway Products used in this ProjectRenders / 3D AnimationGRAPHISOFTVirtual Building Software – Archicad 22Clients:Kim and Anne Brinch SkaaraEngineering:Gravitas Bygg ASLandscape:Skaara ArkitekterCity:OsloCountry:NorwayMore SpecsLess SpecsSave this picture!© Erlend SørlieText description provided by the architects. In the garden of the original Villa Steile (from 1920), lies architect Kim Skaaras` new house, enshrined in the hill in between two large neighboring properties. Low-key and subtle in a residential area outside Oslo, -with views, lights, and outlook. The elongated narrow building is divided into two volumes staggered in the horizontal plane to provide outlook and daylight from the east as well as from the west. The volumes also shift vertically for optimal terrain adaptation.Save this picture!© Ivan BrodeyThe original neighboring properties are relatively large and can withstand some degree of densification, and this new footprint shows opportunities for establishing a new building pattern where low transverse housing can be placed between the large dwellings further up the house row. As a bonus- and thanks to the hill- like the geography of the area- Kim and his wife were able to keep their view of the fjord.Save this picture!© Ivan BrodeySave this picture!Lower Floor PlanSave this picture!© Ivan BrodeyLarge sliding doors and top lights on the 2nd floor provide overall good lighting conditions despite the fact that most of the house is located below the ground. A large corner window ensures views of the Oslo fjord even from the kitchen work-space. The house is provided with good outdoor areas to the east and west, in the form of terraces on the ground floor and balconies on the upper level. Save this picture!© Ivan BrodeySave this picture!© Ivan BrodeyMaterialsThe construction consists of insulated concrete thermowell underground, and the house is extra well insulated over terrain with a total of 40cm insulation, to secure comfortable temperatures during Norway cold winters. This gives high energy efficiency, close to passive house standards. The well-visible roof surface is covered with sedum moss. The outdoor areas are constructed with consistently high-quality woods, and support walls in plaster cast concrete and natural stone, stairs in-ground concrete, and fences in oiled crude steel with oak tiles.Save this picture!© Ivan BrodeyProject gallerySee allShow lessAdd Delight to Your Drawings with The LightbookArticles120 Ancient Maps Overlapped on Google Earth Reveal the Growth of Cities Across the W…Architecture News Share Lead Architect: Lillesteile House / SKAARA Arkitekter AS 2018 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/917328/lillesteile-house-skaara-arkitekter-as Clipboard Lillesteile House / SKAARA Arkitekter ASSave this projectSaveLillesteile House / SKAARA Arkitekter ASSave this picture!© Ivan Brodey+ 21Curated by Paula Pintos Share Projects “COPY” Photographs:  Ivan Brodey, Erlend Sørlie Manufacturers Brands with products used in this architecture project Photographs CopyAbout this officeSKAARA Arkitekter ASOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesOsloNorwayPublished on May 26, 2019Cite: “Lillesteile House / SKAARA Arkitekter AS” 26 May 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogFaucets / SinkshansgroheKitchen SinksGlass3MSun Control Window Film in MarkthalPartitionsSkyfoldIntegrating Operable Walls in a SpaceRetractable StructuresShadeFXRetractable Canopies in Beverly HillsPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsWoodSculptformTimber Tongue and Groove CladdingSkylightsVELUX CommercialLonglight 5-30° – Modular SkylightsBars / Wire / MeshJakobWebnet – Sports NetSuspension SystemsMetawellAluminum Panels for Ceiling SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteHanging LampsLuminisPendant Lights – HollowcoreHandicap BathroomAamsco Lighting, Inc.Mirror-Lux LED Illuminated MirrorMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

The DIY Guide to Powerful Publicity

first_img Howard Lake | 27 October 2007 | News  12 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The DIY Guide to Powerful Publicity About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.last_img read more

Judge lifts blocking order on YouTube

first_img BrazilAmericas Reports News May 13, 2021 Find out more January 9, 2007 – Updated on January 20, 2016 Judge lifts blocking order on YouTube News RSF begins research into mechanisms for protecting journalists in Latin America A Sao Paulo judge today issued a statement asking Internet Service Providers to stop blocking access to the entire video sharing service YouTube. The judge nonetheless said ISPs should continue to do everything possible to block the steamy video of soccer star Ronaldo’s former wife.—————-9.01.07Court order blocking access to Youtube called “disproportionate”A decision by a São Paulo court on 4 January ordering Internet Service Providers (ISPs) to block access to the US video sharing service YouTube was condemned today as “disproportionate” by Reporters Without Borders, which called for access to YouTube to be restored in Brazil. The court issued its order in response to a petition filed by two Brazilians, who were shown in a steamy video posted on the site.”While it is essential that judges ensure that the right to privacy is respected, blocking access to this site, which agreed to withdraw the offending video, is a radical and inappropriate measure and one that it is anyway ineffective,” Reporters Without Borders said.”We find it hard to understand how a single video, the banning of which did not seem to be a matter of urgency, was able to justify the closure of a website used by tens of thousands of Brazilians every day,” the press freedom organisation added.The court’s order has already been implemented by one of Brazil’s biggest ISPs, Brasil Telecom, which blocked the site’s domain name. Another company, Embratel Participacoes, told Reuters it was looking at ways to block access to YouTube. The Spanish company Telefonica, which also operates in Brazil, announced that it would comply with the order.The video, which was posted on YouTube by several Internet users, showed model Daniela Cicarelli, the former wife of soccer star Ronaldo, together with her boyfriend, Renato Malzoni Filho, on a Spanish beach. They sued YouTube, demanding 89,000 euros (116,000 dollars) in damages for each day the video remained on the website.The court ban remains in effect even though YouTube, which was recently bought by Google, has since removed the video. The video meanwhile remains accessible on many other websites to which access has not been blocked in Brazil. Help by sharing this information Receive email alerts 2011-2020: A study of journalist murders in Latin America confirms the importance of strengthening protection policiescenter_img Follow the news on Brazil RSF_en BrazilAmericas Organisation April 15, 2021 Find out more April 27, 2021 Find out more News Alarm after two journalists murdered in Brazil to go furtherlast_img read more

RSF condemns fatal shooting of Philippine radio journalist

first_img Reporters Without Borders (RSF) is appalled to learn that a Philippine radio journalist died of his injuries on 1 May after being shot several times by a motorcycle gunman the previous day, and calls on the country’s authorities to identify those responsible. Philippines: RSF and the #HoldTheLine Coalition welcome reprieve for Maria Ressa, demand all other charges and cases be dropped Philippine local radio commentator Edmund Sestoso (right) died on 1 May of the injuries received in a shooting attack the previous day, to the dismay of the country’s journalists (photo: Noel Celis / AFP – Facebook). PhilippinesAsia – Pacific Condemning abusesProtecting journalists ImpunityViolence Organisation to go further Mass international solidarity campaign launched in support of Maria Ressa Help by sharing this information Follow the news on Philippines February 16, 2021 Find out more News Receive email alertscenter_img News News May 2, 2018 – Updated on August 23, 2019 RSF condemns fatal shooting of Philippine radio journalist June 1, 2021 Find out more News PhilippinesAsia – Pacific Condemning abusesProtecting journalists ImpunityViolence May 3, 2021 Find out more Filipina journalist still held although court dismissed case eleven days ago Edmund Sestoso’s voice was very familiar to listeners of DyGB 91.7 FM, a local radio station in Dumaguete City, in Negros Oriental province, where he was gunned down as he was returning home by motorcycle on 30 April after recording his popular morning programme “Tug-anan sa Power 91,” in which he discussed local affairs, including political issues and armed conflicts.Sestoso was shot in the chest, stomach and legs at a toll station by an unidentified individual on a motorcycle. The gunman also shot the tires of the pedicab whose driver tried to transport him to a hospital. Aged 51 and the father of two girls aged 11 and 13, Sestoso died yesterday in the hospital to which he was taken after the shooting.“We are absolutely horrified by this tragedy and we express our complete solidarity with the Philippine media community, which is once again in mourning,” said Daniel Bastard, the head of RSF’s Asia-Pacific desk.“Edmund Sestoso worked for the public good by explaining news developments in the Dumaguete region to his listeners, sometimes tackling very sensitive issues. We urge the authorities to do everything possible to find both the killer and instigators, and to not let this crime go unpunished.”The local police have said the shooting was very probably linked to Sestoso’s work as a journalist.Joel Sy Egco, the head of the Presidential Task Force on Media Security (PTFOMS), told RSF that, until evidence comes to light indicating otherwise, he too is of the view that Sestoso was targeted because of his radio programme. A conflict between rival political factions in Negros Oriental could be to blame. Sestoso used to head the local chapter of the National Union of Journalists of the Philippines (NUJP).He is the first journalist to be killed in the Philippines in 2018 and at least the fifth to be killed in connection with their journalism since Rodrigo Duterte, who is prone to particularly violent verbal attacks on the media, became president in June 2016. Long regarded as one of the world’s most dangerous countries for journalists, the Philippines has fallen six places in RSF’s 2018 World Press Freedom Index and is now ranked is ranked 133rd out of 180 countries. RSF_en last_img read more

With Your Permission: Data and Default Servicing

first_img in Daily Dose, Featured, News, Print Features, Technology Servicers Navigate the Post-Pandemic World 2 days ago With Your Permission: Data and Default Servicing Servicers Navigate the Post-Pandemic World 2 days ago April 17, 2020 1,602 Views Previous: Leading Dems Seeking Funds for Servicers Next: The Week Ahead: Updates on COVID-19 Challenges Demand Propels Home Prices Upward 1 day ago Share Save Lynn Sheck is the SVP of Enterprise and Strategic Sales at Finicity. In her role, she manages the enterprise sales team and works strategically with her team and across the organization to drive revenue. With over 20 years’ experience in sales and business development leadership, Sheck brings an outstanding track record of successfully partnering with our clients to meet their business objectives. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago Subscribe Demand Propels Home Prices Upward 1 day ago Consumer-permissioned data is already reshaping the loan origination verification process. Using data permissioned directly from their bank accounts, borrowers can apply for a mortgage and verify their assets, income, and employment, all while avoiding the lengthy and often inaccurate experience of verification via paper statements. Direct access to bank accounts has made verification faster, easier, and more streamlined for both borrowers and loan officers.Now, default servicers can harness the same data to predict missed payments and defaults, monitor financial wellness, create new business through refinances, and provide tools to borrowers that help them improve their financial literacy and likelihood to repay.Consumer-Permissioned Data BasicsConsumer-permissioned data is the transactional and account-level information found in a customer’s bank statement, which the customer has permissioned a business to access on their behalf. This all happens in a matter of minutes through a portal that’s branded for the lender or servicer. Consumers can simply select their bank, login to their profile, and permission the selected accounts from which they want to provide data.Regulators recently recognized that the use of this data may improve the speed and accuracy of credit decisions, help firms evaluate the creditworthiness of consumers, and provide similar benefits in the servicing realm.Applying Consumer-Permissioned Data to ServicingOnce a loan has closed, servicers can receive ongoing permissioned data for enhanced visibility into the health of their borrower.By combining transaction data with credit files, servicers can see an up-to-date debt-to-income (DTI) ratio each month. A consistently increasing DTI ratio could signal problems ahead.Similarly, servicers can identify income via direct deposit transactions. Any interruption to vital income could be an early warning sign of a lost job and the potential for an upcoming missed payment.Other indicators, like cash on hand, positive balances, or recency and frequency of transactions, can serve as wellness signals across the life of a loan. Servicers can use these indicators to suggest the right programs to borrowers before, during, or after they default.Servicers can also use this data to make personalized recommendations to their borrowers. These opportunities include refinances, home equity loans or other mortgage products. If you provide services beyond mortgages, you can also use permissioned data to determine who would be a good fit for personal loans, credit cards, or other products offered by your institution.In addition to internal uses, servicers can also share this with their borrowers through a personal finance management (PFM) application. Insights into their own household’s financial situation can help borrowers stay on track or improve habits, reducing the chance of default. In a pilot program, we found that borrowers who used a PFM after a loan modification increased their likelihood to stay current over the next six months.Not only can consumer-permissioned data aid in traditional servicing, but it can also help service loans better, broaden financial products, and even empower your consumers with access to more insights into their financial health and wellness. The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / With Your Permission: Data and Default Servicing Related Articles Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Lynn Sheck 2020-04-17 Seth Welborn The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

Ballyliffen in talks to host Irish Open prior to The Open in Portrush

first_imgNews Google+ Pinterest WhatsApp By News Highland – June 12, 2014 Almost 10,000 appointments cancelled in Saolta Hospital Group this week Facebook Guidelines for reopening of hospitality sector published Twitter Calls for maternity restrictions to be lifted at LUH Twitter RELATED ARTICLESMORE FROM AUTHORcenter_img Pinterest Facebook Ballyliffen in talks to host Irish Open prior to The Open in Portrush Three factors driving Donegal housing market – Robinson LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Previous articleYoung girl punched by stranger in Ballyare WoodsNext articleMother jailed for child abuse News Highland Google+ The British Open Golf Championship is to return to Northern Ireland for the first time since 1951, with Royal Portrush expected to host the tournament as early as 2019.The Royal and Ancient had said last month that it remained “some distance” from being able to stage the Open in the North.However, the R&A is expected to confirm Portrush as an Open venue early next week after discussions with the club and the Northern Ireland Executive.And the Manager of Ballyliffin Golf Club, John Farren says Ballyliffen would be hopeful of hosting the Irish Open immediately prior to The Open in Portrush:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/06/farr1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. WhatsApp Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margeylast_img read more

More BYU Track and Field Athletes Named as All-Americans

first_imgJune 9, 2018 /Sports News – Local More BYU Track and Field Athletes Named as All-Americans Tags: All-American/Andrea Stapleton-Johnson/BYU Track and Field/Clayson Shumway/Clayton Young/Matt Owens/Rory Linkletter Brad James FacebookTwitterLinkedInEmailEUGENE, Ore.-Friday, after their solid performances during the final day of men’s competition at the NCAA Track and Field championships, several BYU male athletes were granted All-American status.3000-meter steeplechase competitors Matt Owens and Clayson Shumway were named as first-team All-Americans as they placed sixth and seventh respectively in this event.Furthermore, Canadian national Rory Linkletter placed eighth in the men’s 5000-meter final and was therefore granted first-team All-American status as well.By virtue of placing 12th in the 5000-meter final, his teammate, Clayton Young, earned second-team All-American plaudits.The last Cougar to compete in the national championship meet is women’s high jumper Andrea Stapleton-Johnson as her event is slated for Saturday afternoon. Written bylast_img read more