₦airaland Forum

We are pleased to announce that together with the TruePnL we are launching a Partnership Contest!

Take a few easy steps, and get the opportunity to Win 3 Ledger Nano S!
The winners will be selected at random on 24 December.

Fill out the google form, first 300 participants also get 3 month free access to TruePnL platform.

Join and celebrate with Us - https:///3nZGAL6

The Quppy referral program is on! Your referral code is waiting for you in the Settings section! invite as many friends as you like to join Quppy!

The Quppy project is nominated for WomenTech Global Awards 2020 as Diversity in Tech Employer of the Year! Please vote and see other nominations ➡️➡️➡️ HERE

The Quppy research on decentralized and centralized technologies in the modern financial and banking world: ⬇️⬇️⬇️
https://quppy.medium.com/centralized-vs-decentralized-technologies-in-banking-and-finances-717976240e6b

Excited to become one of the 100 participants of Silicon Valley Startup Bootcamp 2021, a 5-day acceleration & crash course for entrepreneurs & startup teams that will take place 20-24 April 2021 in Catalonia, Spain! Organized by @InnMind & @DraperUniversity this event is expected to bring huge opportunities for my team: mentoring sessions, pitching sessions with investors, networking, unique knowledge and much more during pre-event online activities!

✅Apply to join the Bootcamp here: https://expert.innmind.com/bootcamp

According to world experts, DeFi could become the 2020 defying trend in digital currencies space. While different fintechs are trying to integrate the new concept into their ecosystems and analysts are expecting trending lifecycle as far as its pros and contras, let’s try to understand what DeFi is all about. Read more...

Meet Quppy at Baltic Sandbox week!

FAQ: why is the SEPA transfer cancelled? Very important information for your everyday use!

https://twitter.com/QuppyPay/status/1303648329826533376

What is the new wave of banking disruption the world is currently living?During the current decade, bank leaders should rethink their aspirations in the light of this new reality we are living and strengthen the core foundation of their financial institutions... ⬇️⬇️⬇️

https://medium.com/@quppy/new-disruption-wave-958b29cdfd13

We are reducing exchange fees by 20% until the end of August!
Using Quppy you will receive cashback to your balance at the end of the month, do not miss your chance!

Use Quppy to increase your profit in btc and euro!

Tutorial: How to open your GBP/EUR IBAN account with Quppy?

To open your Quppy IBAN account in GBP/EUR, you should go through the verification procedure.

During this procedure you will be asked to submit one the following valid ID documents (passport, ID card, driving license):

- ID document with all your data written in latin letters;
- information about this document and your citizenship;
- photo of this document;
- selfie with this document.

After a successful verification you will immediately be able to create up to three GBP/EUR IBANs in either “Verification” section or in the“IBAN Accounts” one (press “+” or “Create New Wallet”).

Please note that if you have already successfully passed through the verification procedure at Quppy to open a GBP/EUR IBAN account, you no longer need to pass the verification procedure once again for GBP/EUR IBAN account opening. Simply press “+” in the “IBAN Accounts” section and chose the GBP/EUR currency for your new Quppy IBAN account.

https://www.youtube.com/watch?v=iWu_XMsGj-s&feature=youtu.be
https://youtu.be/g6vMOOGEinY

Tutorial: How do I find my SORT code for GBP transfers? ⬇️⬇️⬇️

https://medium.com/@quppy/tutorial-how-do-i-find-my-sort-code-for-gbp-transfers-f4d04575bba6

No #need to #pay for #zero #amount #accounts with #quppy!

Make #international #transfers in #euro and #gbp at #zero #fees with #quppy!

How do I find #sort #code for #gbp transfers?
https://www.facebook.com/quppyPay/videos/614165149212946/

What stage of disruption is the financial world living now? Just read our research: ➡️➡️➡️ https://medium.com/@quppy/new-disruption-wave-40180af4829c

Don’t forget to use the #instant #mobile #topup service in over 180 countries in the Quppy app!

Do you #topup your #mobile with Quppy That’s how to do it ⬇️⬇️⬇️

https://www.facebook.com/quppyPay/videos/vb.1858362181140544/906967133101436/?type=2&theater

Our new research on the VC current environment ➡️➡️➡️ https://medium.com/@quppy/venture-capitals-face-to-face-with-covid-19-67801d47aafb

‪#quppy is selected for the #next #branch of #unitedinvestors #accelerator ‬

Exclusive Q and A: 2020 to Accelerate the Adoption of Digital Payment Apps — Quppy Founders

On adoption trends, recent events, and the global outlook
Neobanks are quickly becoming an essential financial tool, particularly because they offer integrations into the social, economic and business aspects of consumer’s lives. They support contactless payments, financial planning, spending insights and consolidation functions for everyday financial optimisations — according to Alina Kornienko.

Digital payments continue to increase, with 2020 already showing year-on-year growth of 15 per cent. Coupled with steady growth is the impact that COVID-19 is having across the globe. So far, there are signs that the pandemic is acting as a catalyst of sorts for the adoption of digital payment solutions and banking apps.

The challenger banks, or neobanks as they prefer to be called, play a key role in the increase in online transactions. Following the latest report from data insights and consulting company Kantar, neobanks have now firmly established themselves as highstreet names in China, India and Brazil. Indeed, India has already seen significant fintech activity in 2020 and the country has overtaken China in fintech funding for the first time in five quarters. Nevertheless, the Chinese cumulative transaction value is forecast to reach $1.9 billion this year: the highest national value worldwide, according to a recent report by the online statistics portal Statista.

Outside these three major adopter countries, neobanks continue to be viewed as something of a novelty among consumers. They represent a free and easy way to bank, but they are not a replacement for the traditional brick and mortar high street banks. That said, 2020 could be the year that customers see past the convenience of neobanks and begin to see their true value for purchasing items online and offline, converting currencies, transferring funds and effective financial management.

In the United Kingdom, the use of cash has been actively discouraged since the outbreak of COVID-19, with cash transactions steeply declining. A similar trend is seen across the European nations alongside increasing preference towards online payments during the strict lockdown and social distancing measures seen in many countries.

Estonia is already well-placed to be a European fintech leader. The Estonian government has taken steps to enhance its identity infrastructure with the e-residency programme and digital personal identities. These forward-thinking solutions enable citizens to readily sign contracts, initiate bank transfers, file their tax returns and perform other key tasks. As a result, the Baltic nation is an active hub for tech companies and attracts ambitious fintech startups eager to reach international audiences.

Quppy is one such Estonian fintech company with lofty globe-spanning ambitions. They stand apart somewhat from neobanks since they are striving to unify fiat and cryptocurrency assets for users to manage funds from a single app. Their ultimate goal is to alleviate the headaches associated with owning multiple wallets and apps for managing both cryptocurrencies and traditional currencies.

MillGens had the pleasure of catching up with Alina Kornienko, Chief Operations Officer for Quppy Europe, and discussing the digital payment solutions in 2020 and beyond.

“Users are fast seeing the true value of online banking apps,” Alina Kornienko, Quppy COO

MillGens: What characteristics and trends are you seeing among the adopters of digital payment solutions, such as Quppy?

Alina Kornienko: “Neobank users are predominantly aged from 18 to 45 years old. However, we are seeing people over 60 using our services as well. Although people of this generation are less attracted to online and digital financial services than their younger peers, we have recently noticed an increase in these customers corresponding with national and regional lockdown measures. These customers often receive assistance from younger family members to access their finances online via their smartphones.

“On a national level, China is — of course — the largest consumer of digital payments. The country has 900 million to 1.1bn. people making payments and transactions via WeChat Pay: the financial arm of Tencent’s multi-purpose messaging, social media and mobile payment app WeChat.”

M: Where are adoption rates the highest and what can other countries learn from this?

“We are seeing mass adoption of payment solutions apps in China, India and Brazil largely due to national neobank leaders getting the balance right between consumer needs and trust. 93 per cent of Chinese consumers have used a neobank, mainly due to the integration of social media and payment services such as WeChat Pay and Alipay. Around half of all Indians have used neobanking services largely thanks to the payments and financial system PayTM. In Brazil, roughly one-third of citizens have used a challenger bank, primarily Nubank which has 20m. users.

“On first appearance, it is unusual that in Europe and North America the full impact of neobanks does not seem to have arrived yet. The technology is here and ready as can be seen in other countries. However, there seems to be an issue of trust — especially when compared to traditional banks that are well-established in these regions. This is coupled with the notion that neobanks are still just a novelty and not real competition for the brick and mortar financial institutions. That said, Europe is a dynamic, ever-changing place and we are seeing very promising user behaviour so far in 2020.”


M: How have recent events impacted the uptake of digital payment solutions and what is the outlook?

“The outbreak of COVID-19 has revealed that individuals and companies lacking effective digital financial management tools and procedures are set to struggle when faced with a crisis or a significant outside challenge. Over a billion people use digital payments technologies and the number of adopters is growing every month. True some of these consumers will be using their traditional bank’s app for the first time, but this nevertheless shows a willingness to adopt new ways of managing their finances.

“As we see it, the COVID-19 crisis has exposed several vulnerabilities and cumbersome financial practices. Governments are actively discouraging the use of cash due to its virus-transmitting risks, forcing people to find alternative digital payment choices. Furthermore, the sharp rise in demand for essential products has encouraged online payments. Finally, geographic banks have had to close their branches leaving customers with little choice but to seek other ways to manage their finances. We believe the shift towards contactless payments, online financial management and funds consolidation via apps will accelerate the adoption of digital payment solutions, especially in regions where uptake has been comparatively slower.

“Once the neobank novelty idea wears off in Europe and North America, we believe consumers will see the true value of using online payment services via their smartphone. We are striving to make digital payments accessible and friendly for everyone and we believe that people the world over will greatly benefit from using our service to decrease the costs associated with managing their finances.”

Quppy, a three-year-old European fintech project, has integrated instant mobile phone top-ups in over 140 countries. Recharging your mobile phone and those of your relatives and friends has never been that easy and fast. You simply have to fill in the number or chose it from your contact list and state the exact recharge amount.

The Quppy Team has decided to implement this service of a preliminary necessity at this time of world self-isolation to help its clients all around the world to stay in touch avoiding the human-to-human contact and being able to purchase their carriers from their place.

Another unique point of the Quppy new service that absolutely stands out is the possibility of topping up your mobile phone not only with your traditional funds but also with your digital ones. Both conversion and purchase are made instantly within the Quppy application interface without any additional actions from the user side needed or commissions being charged upon the local or international payment.

“Today we have to stand together for an efficient fight against world pandemic and a fast return to our normal lives. At Quppy we are privileging the provision of a better customer experience. Building a superapp that gathers all the necessary financial services within one interface, we have integrated mobile phone top-ups. It can be done for customers’ personal phones as far as for those of their relatives and friends all over the world in just two clicks. All of this using your digital and traditional funds managed and stored within the Quppy Wallet app.” – states Dmitry Nikiforov, the Quppy CEO and co-founder.

Quppy is a European fintech startup with over three years of impeccable financial expertise. The Quppy all-in-one contactless digital payment solution offers all kinds of financial services with traditional and digital funds. You can open a multicurrency IBAN account in Euro and British pounds in no more than 15 minutes using your mobile device only. Quppy supports instant SEPA operations. Quppy is currently working on prepaid cards launch, on gift cards purchase solution, recurrent bills payment.

How to #open your #euro #iban in #quppy app #tutorial ⬇️⬇️⬇️

https://www.facebook.com/quppyPay/videos/249541349459258/

Pandemic tech trends: which ones are booming despite COVID-19?

Want to know more about this? Read our new article ⬇️⬇️⬇️

https://medium.com/@quppy/pandemic-tech-trends-which-ones-are-booming-despite-covid-19-18bef54769c4

#quppy is selected to #pitch #online at Podim Conference this year! The organizers did an amazing job to turn this important event into a fully digital!

How to #import your #digital #wallet with #quppy app #tutorial

https://www.facebook.com/quppyPay/videos/859045384559259/

Very happy #Easter to all of you! Stay safe and use #quppy #contactless #services!