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In addition to providing a gateway for online real-time payments such as paying bills and an auction item, PayPal can also be used for international money transfers. The initial process is simple. The customer registers for a free online PayPal account, enters the amount of money to be transferred and the email address where the fund should be sent. The recipient receives an email prompting them to set up an account too. The latter can either opt for the money to be paid into their bank account or keep it in their PayPal account for online purchases.

IMPACT 2002 was a consumer research program undertaken in the following European markets: France, Germany, Italy, Spain and the UK. Before discussing issues specific to Internet banking it is useful to examine how and from where consumers access the Internet, and how long they spend online. 5% of consumers in Germany had a home PC with Internet access. Outside the UK and Germany, fewer consumers have PC access at home and/or at work. 9% of Italian consumers. With the exception of mobile phones, the penetration of other devices that can be used to access the Internet, and hence to bank online, is considerably lower than for home or work PCs.

With payments involving two different countries, an additional cross border fee is charged. S. 5% for Canadian Dollar, Euro, Pound Sterling and Yen payments. If transactions involve a currency conversion, it is completed at a retail foreign exchange rate determined by PayPal, which is adjusted regularly based on market conditions. 5% spread above the wholesale exchange rate at which PayPal obtains foreign currency, and PayPal retains the spread. ATM withdrawal An increasing number of providers are currently offering ATM withdrawal facilities to recipients in collaboration with global card schemes, namely Visa and MasterCard.

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Airbus A320 SOP 01Cockpit Preparation


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