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https://www.tvelektronik.net/televizyon-yedek-parca-urun-arama-ada?body_value=WorldRemit+founder+Ismail+Ahmed%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++The+money+transfer+business+is+personal+for+Ismail+Ahmed.+It+was+cash+wired+by+his+family+that+allowed+him+to+make+the+final+leg+of+his+journey+from+escaping+fighting+in+his+native+Somaliland+to+London+in+1988+to+take+up+a+university+scholarship.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Today%2C+Ahmed+leads+WorldRemit%2C+one+of+a+handful+of+fintech+firms+that+is+upending+the+remittances+business+that+has+long+been+dominated+by+three+US+firms+—+Western+Union%2C+MoneyGram+and+Ria+—+as+well+as+banks.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Piggybacking+on+the+development+of+mobile+money+systems+in+Africa+and+other+developing+countries%2C+these+fintech+firms+offer+migrant+labourers+a+more+convenient+way+to+send+money+home+at+a+lower+cost.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++The+market+for+personal+transfers+is+sizeable%2C+with+the+World+Bank+putting+it+at+%24689+billion+in+2018.Some%24529+billion+of+that+was+sent+to+people+in+developing+nations%2C+an+increase+of+9.6+percent+from+the+previous+year.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++And+personal+transfers+are+important%2C+not+just+for+the+recipient+families.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22Remittances+are+on+track+to+become+the+largest+source+of+external+financing+in+developing+countries%2C%22+economist+Dilip+Ratha+said+this+year+when+presenting+the+World+Bank%27s+latest+report+on+remittances.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++One+of+the+report%27s+main+conclusions+was+that+the+high+cost+of+transfers+reduce+the+benefits+of+migration.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++It+found+that+the+global+average+cost+of+sending+%24200+remained+high%2C+at+around+seven+percent+in+the+first+quarter+of+2019%2C+with+costs+for+African+and++Pacific+island+-http%3A%2F%2Fventurebeat.com%2F%3Fs%3DPacific%2520island+nations+above+10+percent.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Those+high+fees+give+ample+room+for+new+entrants+—+fintechs+who+are+leveraging+technology+to+lower+costs.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++-+Focus+on+migrants+-%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++For+Ahmed%2C+founding+WorldRemit+in+2010+was+just+the+latest+step+in+a+career+that+has+centred+on+remittances.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++His+first+small+jobs+as+a+student+not+only+helped+to+support+himself%2C+but+his+refugee+family%2C+where+he+first+encountered+the+inconvenience+of+having+to+trek+to+the+office+of+a+transfer+agent+that+took+up+to+20+percent+of+his+money+in+fees.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Ahmed+became+interested+in+remittances+when%2C+as+a+student%2C+he+found+it+difficult+to+transfer+money+to+his+refugee+family%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22That%27s+the+beginning+of+my+interest+in+remittances%2C%22+he+told+AFP.%22Veryearly+I+learned+about+how+remittances+worked+…+it+was+key+source+of+discomfort%22+as+well+as+being+expensive.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Ahmed+chose+to+write+his+dissertation+about+the+effect+of+such+payments+on+people%2C+which+in+2005+led+to+a+job+with+the+United+Nations+Development+Programme+in+Nairobi+helping+remittance+agents+comply+with+regulations+to+prevent+money+laundering+and+financing+of+terrorism.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22As+soon+as+I+joined%2C+I+saw+widespread+fraud+and+corruption+involving+UN+official+and+consultants%2C%22+he+said.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Ahmed+became+a+whistleblower+against+the+practices%2C+but+said+that+UN+investigators+were+%22only+interested+in+identifying+who+the+whistleblower+was%22+and+he+was+pushed+out+of+his+job.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++In+2010%2C+the+UN+Ethics+Committee+awarded+him+compensation+worth+a+year%27s+salary+for+the+way+he+was+treated+—+a+well-timed+cash+boost+as+he+was+looking+to+found+WorldRemit.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++-+Room+to+grow+-%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++While+Africa+represents+more+than+half+of+its+transactions%2C+WorldRemit+serves+150+countries%2C+including+many+in+Asia+and+Latin+America.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++They+have+partnered+with+mobile+money+firms+that+helped+revolutionise+the+lives+of+many+Africans%2C+who+often+do+not+have+bank+accounts%2C+by+making+mobile+phones+a+way+to+transfer+money+inside+countries.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Without+having+the+expense+of+its+own+network+of+agents%2C+WorldRemit+can+offer+its+services+at+a+lower+price%2C+which+makes+it+possible+for+people+to+send+lower+amounts+when+their+families+need+money+urgently.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++But+that+is+not+the+only+advantage.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22Digitalisation+is+a+shift+from+informal+to+formal+economic+activities%2C%22+said+Ahmed.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++The+money+transfer+business+is+being+upended+by+new+fintech+firms+such+as+WorldRemit+and+TransferWise%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++The+informal+nature+of+many+old-fashioned+remittance+services%2C+where+there+was+no+or+little+control+over+the+identity+of+those+transferring+money%2C+++studybay+-https%3A%2F%2Fstudybay.ws+had+led+Western+banks+to+stop+serving+several+countries+in+order+to+avoid+running+afoul+of+anti-money+laundering+and+terrorism+financing+regulations.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22A+lot+of+our+traditional+competitors+accepting+cash+often+pick+up+huge+fines+because+of+the+fact+that+they+are+outsourcing+their+core+compliance+functions+to+somebody+who+owns+his+small+corner+shop%2C+who+is+doing+money+transfers+as+a+side+business%2C%22+said+Ahmed.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++He+said+procedures+that+digital+firms+employ+to+ensure+compliance+are+more+robust+and+that+a+part+of+WorldRemit%27s+early+work+was+spent+convincing+regulators+of+that.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++Despite+the+number+of+competitors+now+crowding+the+sector%2C+Ahmed+believes+there+is+plenty+of+room+for+growth.%3Cbr%3E+%3Cbr%3E++%3Cbr%3E+%3Cbr%3E++%22Even+today%2C+only+10+percent+of+the+remittances+on+the+send+side+are+cashless+or+digital%2C%22+he+said.%22Wethink+that+in+the+next+few+years+as+much+as+40+to+60+percent+of+the+remittances+will+move+to+cashless.%22&shs_term_node_tid_depth=All&field_markalar_tid=All&model=
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