When the encryption is no longer needed, the user would like to decipher the directory, he has to simply select the “Decrypt” option from the context menu, enter the password and confirm actions. He will be able to unravel these files later by using the “Unlock” option from the same context menu. To mask the encrypted files on the user’s local machine, he will need to lock the encrypted directory by using the “Lock” context menu. A user must also tick the optional boxes if he would like to add the password to the keychain. Not only the user’s multiple DropBox, Google Drive and Microsoft OneDrive accounts are easy to access and work with, But also a user doesn’t even have to leave the oh so familiar Finder to work with online and remote files.Ī user can indicate a password and verify it and CloudMounter highly recommends setting a password hint to be able to recover it in the future. The encryption works that way that if someone somehow obtains the access to the user’s storages from a different device, they will only see confusing nonsense. He can tune the data encryption and secure remote servers and cloud accounts so that they can only be accessed from the user’s CloudMounter. The personal files would appear confusing and gibberish thus making them protection stronger.Ī user’s cloud and remote server files are absolutely protected with the CloudMounter encryption functionality. It uses AES with a 256- bit key length in order to translate data into different forms so that the people who have access to the password can only read and manage it.Įncrypted data will be at the disposal if the user wants to restrict third-party users from gaining access of the private data, in case somehow they obtain access of one of the user’s machines where the credentials of logging in were saved. CloudMounter uses the Advanced Encryption Standard (AES) when this feature is enabled by the user. It gets the user the most out of DropBox encryption, Amazon S3 encryption, cloud encryption, FTP encryption as well as Google Drive, OneDrive and WebDAV servers.ĬloudMounter helps encrypt user personal data stored on cloud disks and remote servers.This protects the data from any kind of unwanted access. It keeps the user's online data solidly protected. With CloudMounter, a user gets access to various cloud storages and web servers elegantly and easily.
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If those allies die, they will be Raised and continue to fight for their allies as a zombie. Inject allies in positions 1 & 2 at the start of battle. Level 2: Increased damage taken reduces by 10% Effectiveness is increased by 50% for Raised allies. Gungnir's secret recipe increases all allies' ATK speed by 15% and grants 10% Life Steal for 9 seconds, but increases damage taken by 15%. Level 4: At 5 Edge Point stacks, nearby allies gain 75% increased CRT damage for 10 seconds (15-sec cooldown). Level 3: At 5 Edge Point stacks, Tanya gains 50% increased defense penetration for 10 seconds (15-sec cooldown). Level 3: Increases CRT damage 10% per Edge Point stack Level 2: Increases CRT rate 8% per Edge Point stack When Tanya is attacked by AOE or Range enemies, she gains 25% damage reduction for 3 seconds (effect stacks to 60% max). +12% per stack (up to 60%)Įnemies hit by Tanya lose 8% ACC for 3 seconds (stacks up to 5 times). Increases her basic attack damage based on Edge Point stacks. Level 3: Cooldown decreases when an enemy penetrates the formation and attacks an ally Level 2: Tanya gains 1 Edge Point when using SKEWER When an enemy moves into the formation, Tanya charges and stabs them with 125% ATK power, then hurls them back toward their own formation. Tanya leaps and brings down her spear, slamming enemies down with 125% ATK power and gaining 35% EVA boost for 6 seconds. After using this skill, Tanya gains 1 Edge Point. When Tanya's HP drops below 60%, she retreats and swings her spear, then gains 25% Life Steal for 6 seconds. Tanya strikes with her spear, dealing 100-140% ATK power to nearby enemies. After a stab attack, Tanya swings the spear at 100% ATK power, knocking back nearby enemies. Damage can increase up to 2x by consuming all accrued Edge Points. Launches a spear dealing damage at 250% ATK power to all enemies it hits. Level 4: When reaches 10 'Edge points', CRT damage for nearby allies increases by 60% for 7 seconds. Level 3: When reaches 10 'Edge points', CRT damage increases by 60% for 7 seconds. Level 2: Skill use resets FLAYING LEAP cooldown Prioritizes targets based on proximity to allies. Pierces an enemy in range for 180% ATK power, also pulling them closer. Level 3: Skill use resets SPIN SLASH cooldown Tanya leaps and brings down her spear, slamming enemies down with 150% ATK power and enhanced EVA. After using this skill, Tanya gains 1 Edge Point that increases the damage of AMAZONIAN. Tanya can use this skill while retreating as well as attacking. Tanya strikes with her spear, dealing 150-225% of ATK power to multiple enemies. Damage can increase up to 4.5x by consuming all accrued Edge Points. If you prefer a more hands-on and involved approach with your presentations, each PowerPoint template is easily customizable and allows you to change anything and everything to suit your exact needs. While Microsoft's PowerPoint presentation templates are all professionally designed and require only the lightest touch when filling in your relevant data, they can also be heavily modified. Anything you choose will be supported by PowerPoint, even if we haven't thought of it yet. Host a healthcare seminar, teach a high school course about dinosaurs, design a fashion magazine, or bring back the 1980s with a retro pitch deck. Each of our templates for PowerPoint allow for stylized charts and graphs while still maintaining a professional tone. Microsoft offers a wide variety of PowerPoint templates for free and premium PowerPoint templates for subscribers of Microsoft 365. PowerPoint themes allow for a variety of presentation topics, giving you the freedom to choose the best presentation template design for your project. Microsoft PowerPoint templates offer the widest range of design choices, which makes them perfect for modern and sophisticated presentations and pitches. It has become one of the commonly used and preferred document software owing to its advanced features, flexible prices, and perfect performance. The refurbished MacBook Air and lifetime Microsoft Office license (opens in a new tab) would typically run you $1,348, but you can upgrade your setup for only $476 - that's 64% in savings for a limited time.Become a presentation pro with the help of Microsoft PowerPoint templates With instant delivery and download, you can access your software license keys immediately and be up and running in no time. That means a one-time purchase will get you Microsoft Office Word, Excel, PowerPoint, Outlook, Teams, and OneNote for life. It may not be as powerful as the M2 MacBook Air poised to hit shelves in the coming months, but it's still a workhorse.Ī solid companion for working from home, you’ll also get a lifetime Microsoft Office for Mac license with your purchase. It’s also preloaded with macOS X Yosemite, but is capable of upgrading to the latest OS. That means it’s still eligible for service by Apple, in case anything goes wrong. The good news is that, while it may be seven years old, it’s not obsolete quite yet. Plus, there’s an integrated 720p FaceTime HD webcam for all of your work calls. Connectivity includes a single Thunderbolt 2 port, two USB 3.0 ports, and an SD card slot. It hails from 2015 and is packed with 256GB of storage, a Core i5 1.6GHz processor, and a 13.3-inch glossy widescreen display with 1440 x 900 native resolution. The insides, however, should work as good as if you bought it right off the shelf. It just might have a few scratches and bruises on the surface from its previous life. Microsoft 365 includes premium Word, Excel, and PowerPoint apps, 1 TB cloud storage in OneDrive, advanced security, and more, all in one convenient subscription. This application requires a qualifying Microsoft 365 subscription. While it may not be the latest or greatest device around, this refurbished MacBook Air still has a lot of life left in it. Download Microsoft PowerPoint for macOS 10.15 or later and enjoy it on your Mac. Need a new work-from-home setup (opens in a new tab)? Here’s a new-to-you MacBook Air that comes with a lifetime license to Microsoft Office for Mac - all for just $476 (reg. TL DR: As of June 25, you can get a refurbished Apple MacBook Air with Microsoft Office Lifetime License Bundle (opens in a new tab) for just $476, when it would normally cost $1,348 - that's savings of 64%. The game was released for Microsoft Windows, PlayStation 4 and PlayStation 5 on July 27, 2021, and was released for Nintendo Switch, Xbox One and Xbox Series X/S on August 16, 2022. Once you buy the Tribes of Midgard Steam key, you are tasked with protecting this sacred tree from both the nightly invasions of Helthings and the looming threat of the Jötnar - frost giants that can smash anything in their path to bits! The key challenge is to stay alive long enough to reap the rewards, so prepare to explore, upgrade your village’s defenses, protect it from the frequent visits from magical foes, and improve your Viking warrior. Tribes of Midgard is an action role-playing survival video game developed by Norsfell Games and published by Gearbox Publishing. You have to build if you want to survive and resources are essential for that - venture into uncharted lands, slay legendary beasts, and claim treasure Explore Midgard solo or form a tribe of up to 10 players in online PvE co-op - face seasonal challenges in Saga Mode or customize your experience in Survival mode Choose a class, seek resources for better armour and mighty weapons, and equip runes that can change your game in surprising ways - unleash destruction unto the invading enemies at night Each session you enter a new procedurally generated world having nothing - gain knowledge, build, expand, explore, and survive as long as possible for better rewards In this action-adventure, Midgard is under siege - mythical creatures, deadly spirits, and gigantic brutes threaten to bring on Ragnark - it's the end of the world It’s up to you, a mighty Einherjar, to cut short your glorious feast in Valhalla and return. Return before nightfall, fortify your village, and enjoy these Tribes of Midgard key elements: Grab your Tribes of Midgard Steam PC key and get ready for some unwelcome visitors. The further you explore, the greater the treasure awaits but beware - the enemies just become stronger as well. Buy Tribes of Midgard Steam key, grab a friend, venture into the wilds, upgrade your village, and defend it from the onslaught of invaders! Tribes of Midgard gameplay features Experience the unique blend of action, survival, and roguelike genres, and defend the Seed of Yggdrasil, the sacred tree and last element holding the end of the world at bay. Gigantic brutes, deadly spirits, and mythical creatures are threatening to unleash Ragnarök unto Midgard - can your tribe not only save itself, but the entire world from destruction? Norsfell and Gearbox Publishing studios challenge players to achieve just that in their newest release titled Tribes of Midgard. Two weeks later, on June 4, 1919, the U.S. READ MORE: The Women Who Fought for the Vote The Final Struggle For Passage Another year passed before Congress took up the measure again. However, despite Wilson’s newfound support, the amendment proposal failed in the Senate by two votes. As reported in The New York Times on October 1, 1918, Wilson said, “I regard the extension of suffrage to women as vitally essential to the successful prosecution of the great war of humanity in which we are engaged.” When the amendment came up for vote, Wilson addressed the Senate in favor of suffrage. Wilson also tied the proposed suffrage amendment to America’s involvement in World War I and the increased role women had played in the war efforts. In 1918, President Wilson switched his stand on women’s voting rights from objection to support through the influence of Catt, who had a less-combative style than Paul. As a result of these actions, some group members were arrested and served jail time. The organization staged numerous demonstrations and regularly picketed the White House, among other militant tactics. Harper, fighting alongside them for the right to vote.Īs the fight for voting rights continued, Black women in the suffrage movement continued to experience discrimination from white suffragists who wanted to distance their fight for voting rights from the question of race. Such a stance led to a break with their abolitionist allies, like Douglass, and ignored the distinct viewpoints and goals of Black women, led by prominent activists like Sojourner Truth and Frances E.W. Black Women in the Suffrage Movementĭuring debate over the 15th Amendment, white suffragist leaders like Stanton and Anthony had argued fiercely against Black men getting the vote before white women. In 1900, with Stanton and Anthony advancing in age, Carrie Chapman Catt stepped up to lead NAWSA. Within six years, Colorado, Utah and Idaho adopted amendments to their state constitutions granting women the right to vote. The new organization’s strategy was to lobby for women’s voting rights on a state-by-state basis. In 1890, the NWSA and the AWSA merged to form the National American Woman Suffrage Association (NAWSA). With the onset of the Civil War, the suffrage movement lost some momentum, as many women turned their attention to assisting in efforts related to the conflict between the states. Anthony and the Long Push for Women's Suffrage National Suffrage Groups Established Nonetheless, Stanton and Mott persisted-they went on to spearhead additional women’s rights conferences and they were eventually joined in their advocacy work by Susan B. What this meant, among other things, was that the delegates believed women should have the right to vote.įollowing the convention, the idea of voting rights for women was mocked in the press and some delegates withdrew their support for the Declaration of Sentiments. Declaration of SentimentsĪ group of delegates led by Stanton produced a “Declaration of Sentiments” document, modeled after the Declaration of Independence, which stated: “We hold these truths to be self-evident: that all men and women are created equal that they are endowed by their Creator with certain inalienable rights that among these are life, liberty, and the pursuit of happiness.” In addition to their belief that women should be afforded better opportunities for education and employment, most of the delegates at the Seneca Falls Convention agreed that American women were autonomous individuals who deserved their own political identities. After a lengthy battle, these groups finally emerged victorious with the passage of the 19th Amendment. Anthony and other activists, raised public awareness and lobbied the government to grant voting rights to women. In 1848, the movement for women’s rights launched on a national level with the Seneca Falls Convention, organized by Elizabeth Cady Stanton and Lucretia Mott.įollowing the convention, the demand for the vote became a centerpiece of the women’s rights movement. Constitution granted American women the right to vote, a right known as women’s suffrage, and was ratified on August 18, 1920, ending almost a century of protest.
Note that if you will type this command in Start / Run Note you may get a notification for administrator rights. PDFToMusic Pro.exe is the PDFtoMusic Pro's main executable file and it takes approximately 5.65 MB (5925120 bytes) on disk. Read below about how to remove it from your computer. It is produced by Myriad SARL. Open here where you can get more info on Myriad SARL. Click on to get more data about PDFtoMusic Pro on Myriad SARL's website. PDFtoMusic Pro is frequently set up in the C:\Program Files (x86)\audio-video\PDFtoMusic Pro folder, but this location can vary a lot depending on the user's choice when installing the application. The full command line for uninstalling PDFtoMusic Pro is C:\Program Files (x86)\audio-video\PDFtoMusic Pro\Uninstal\Uninstal.exe. It allows the score to be reproduced or exported in various formats, such as MusicXML, MIDI, Myr (Harmony Assistant files) or in a digital audio format as WAV AIFF.A guide to uninstall PDFtoMusic Pro from your PCPDFtoMusic Pro is a Windows program. Therefore, the scanned scores can not be managed by PDFtoMusic Pro. It is perfect and handy for the beginner and professional musicians all the way.įrom a document in PDF format (which can be generated from any software, even discontinued products), PDFtoMusic Pro reconstructs the original score and exports it, for example, to MusicXMLformat, which can be used in most professional sheet music editors.īecause it only processes PDF files that have been exported from upstream editing software, PDFtoMusic Pro offers a unique reliability and outstanding results. Also, you can download the new Rekordbox DJ Crack released from MacWinSofts. In addition, you can use the tool to export the tracks in various formats, such as MIDI, etc., which produces high-quality sound. PDFtoMusic Pro Serial Key Crack is a versatile tool that allows you to extract elements related to music and play them. It is a useful tool that can help you extract the elements related to music from PDF files and export them in many other formats. The new version of PDFtoMusic Pro 1.6.5 Torrent Keygen for full access has all the features you need to enter the PDF and reproduce the scores of that file. If you are looking for a simple solution, you should always look for the best one. The creation of ratings may not be difficult, but if you have already done so in a document or PDF file, it will be difficult to reproduce that score. The export is reinforced in many different ways, including XML, XML, MYR, MIDI, KAR, WAV, AIFF and BMP. It only makes the PDF files it contains exported from a music credit score editor software, PDFtoMusic Pro offers unprecedented stability and positive results. This type of tool is particularly useful for people who are learning to experiment with a track on a musical instrument. One of the key features of this fantastic program is the ability to make changes to the ratings.Įxactly, you can pay attention to the melodies and even notice their lyrics, if you keep these things, all thanks to PDFtoMusic, a credit card application that in just a few moments will convert your PDF into a musical PDF.Īlso, if you are already a final user of Melody or Tranquility Assitant, you can change the score. The drag and drop function is also integrated into the program, which greatly facilitates the import of files. The export is compatible with many different formats, including XML, MXL, MYR, MIDI, KAR, WAV, AIFF and BMP. In addition to that, you can see the staves and systems, and allow options such as automatic brake adjustment, rounded lines, multi-voiced staves and parentheses to create groups. From a PDF file, PDFtoMusic Pro extracts in a few seconds the music-related elements, and enables to play the score, or to export it in miscellaneous formats, like MusicXML, MIDI, Myr (Harmony Assistant files), or in a digital audio format like WAV ou AIFF.įrom a document in PDF format (which can be generated from any software, even from discontinued products), PDFtoMusic Pro reconstructs the original score and exports it, for example, to the MusicXML format, which can be used by most professional score editors.īecause it only processes PDF files that have been exported from a sheet music editor software, PDFtoMusic Pro offers a unique reliability and outstanding results. LIFE magazine picked up the story, and soon students at other colleges began to test how many live goldfish they could swallow. On March 3, the freshman fulfilled his end of the bet by chewing and swallowing a live goldfish in the dining hall in front of a group of students and a reporter. The contest started at Harvard University in 1939 when some students bet a freshman $10 that he couldn’t swallow a live fish. swallows a live 4-inch gold fish to win a ten dollar bet, 1939.ĭance marathons and flagpole-sitting may have started in the 1920s, but the Great Depression has one very weird contest all to its own: goldfish-swallowing. Pole-sitting largely petered out after that summer, but didn’t completely disappear: in 1933, Richard “Dixie” Blandy set a record of 77 days atop a flagpole at the Chicago World's Fair. Like Kelly, these kids came up with systems to bring food and other supplies up to their perch. That same summer, children across the country briefly took part in a tree-sitting challenge where they tried to stay in a tree for as long as they could-one youth in southern California reportedly lasted 1,320 hours. In the summer of 1930, as many as 20,000 people came out to see Kelly eat, sleep and shave atop a 225-foot flagpole in Atlantic City for 49 days. The man who started the trend was a Hollywood stuntman named Alvin “Shipwreck” Kelly. Venturing into Haunted HousesĪlvin "Shipwreck" Kelly enjoys Christmas perched on a pole 150 feet in the air, circa 1929.Īnother 1920s endurance challenge that continued into the Great Depression was flagpole-sitting-i.e., sitting atop a pole for as long as possible. By the late 1930s, dance marathons had faded in the wake of increased criticism and laws that banned them in many parts of the country. The fact that dance marathons could be physically dangerous was part of the reason people paid to see them in the first place, and it was also one of the reasons that they went out of fashion. If a sleeping person’s knees touched the floor, the couple was disqualified, so dancers sometimes tied their wrists together behind their partner’s neck for extra security before going to sleep. Because they had to stay moving for the other 45 minutes per hour, dancers learned to sleep while their partner held them up and dragged them across the dance floor. They also typically got a break for 15 minutes per hour, during which they might lay down on a cot and have a nurse attend to them or rub their feet. Usually, dancers received a whopping 12 meals a day that they had to eat at chest-high tables on the dance floor. These marathons could last for days or weeks. They don’t make money on the printed word section anymore as it occupies one third of the space in the store and only account s for 7% of the sales. The book/magazine section is now all the way in the back and very symbolic. He is learning, however, to choose his battles, and that he can’t please everyone. (Photo by Mélanie Dusseault)īen is sheepish of the imperfections and the store’s lack of focus, but through the colourful cacophony of products, there is a real desire to accommodate and please. They were also the only importer of Latin American food products in the 70’s.īen Mar Iglesias Franco and yours truly- Come and join us on 'Round Table Tours' Iberian Montreal tour: circuit of tapas, pintxos and petiscos. La Libreria Española became the go-to for Spanish food products. In 1978, conflicts with a landlord, a flood and the need for more space pushed Narciso to move La Librairie from the St-Dominique and Roy location and consolidate it with El Hogar Latin in its present home at 3811 St. In the 70’s, La Libreria started importing Spanish food. Narciso also bought a Latin American grocery and media store on Rachel in 1976 called El Hogar Latin. Benmar Franco Iglesias, Benjamin’s son, said jokingly that a helicopter picked him up and dropped him directly in the shop. Benjamin Franco, Narciso’s brother, immigrated from Spain in 1976 to come and help his brother with the shop. Narciso Franco immigrated to Montreal in 1967. It was a Spanish media store with newspapers, books and magazines that kept Spanish immigrants up to speed with what was going on in Spain. La Librairie Espagnole was opened by Jose Manuel Sanchez in 1964 on the corner of Roy and St-Dominique. Oreracion Bisonte, Operacion Marta) in the late 50’s and 60’s to work on cattle farms, as domestics or in the textile industry, or of their own device and always to flee a brutal post-war Spain. The majority of Spanish immigrants came to Montreal as part of Spanish immigration projects (eg. The Food and Pinata mascots (Photo by Mélanie Dusseault: ) There is also a full game walkthrough included. Guide to the Witcher 3: Wild Hunt is a comprehensive source of information required for playing the Polish blockbuster game and completing it in one hundred percent. The Witcher 3 Wild Hunt Guide & Walkthrough It covers fights, equipment, main characters and their skills, easter eggs, romances and achievements. GTA 5 guide, a complete walkthrough, maps, secrets and tips to game mechanics. Our tips describe trophies and achievements, weapons and help you locate all secrets and collectibles. The Red Dead Redemption 2 Guide is an extensive walkthrough that will guide you through all the main and side quests. Complete walkthrough and maps contain tips to main and side quests, including Ainigmata Ostraka, tombs, documents and ancient tablets. Assassin's Creed Odyssey GuideĪssassin's Creed Odyssey Guide will help you find all the secrets, tombs and collectibles. We also have guide to Eivor's choices, system requirements, keybinds and a trophy. Tips concern things like combat, secrets, weapons, exploration, and the Drakkar. Popular Guides & Walkthroughs view more Assassin's Creed Valhalla Guide and WalkthroughĪssassin's Creed Valhalla guide, walkthrough contains tips and hints. All the lovers of video game guides should subscribe to our Game Guides YouTube Channel where we present walkthroughs and video guides for the most interesting video games. Owners of Apple devices can also download individual guides from Apple iBookstore or download our free app called Free Game Guides, which works on iPhones and iPads. The game guides are available on our website, but we also encourage you to download PDF files or read our guides as ePubs on your e-book readers, smartphones and tablets. We do our best to make the lives of virtual adventurers easier by creating detailed game maps of game worlds, describing points of interest (POIs), locations, NPCs, secrets, quest starters and enemies. The RPG genre is our favorite when it comes to game guides and maps, but we also make walkthroughs for strategy games, adventure games, action-RPG games, MMO games and others. We focus on walkthroughs and guides for video games on current platforms like PC, PS4 and Xbox One, older consoles like PS3 and Xbox 360, as well as the most interesting titles for other platforms also devices running on Android and iOS. We try to describe the best gameplay strategies. Our game guides describe how to finish a video game, what choices to make to find alternative plot lines, how to solve in-game quests and puzzles, and how to find secrets and treasures. Game Guides is an English-language website about video games and is dedicated to gamers who know this language, although some guides were originally written in a different language and translated into English. Since 2000 we’ve been creating multilingual publications for gamers, which help them enjoy and complete games. Welcome to the website devoted to Game Guides, Walkthroughs and Atlases for Video Games. All locations of Unique Weapons, Hidden Tales, Criptograma Charts, Roosters, USB songs Treasure Hunts, trophies and system requirements. Far Cry 6 Guideįar Cry 6 guide contain complete walkthrough, maps, Beginner's Guide and the best tips for combat and exploration. Assassin's Creed Odyssey Game GuideĪssassin's Creed Odyssey Guide will help you find all the secrets, tombs and collectibles. Assassin's Creed Valhalla GuideĪssassin's Creed Valhalla guide, walkthrough contains tips and hints. We describe the best FUT formations, sample starting lineups, the best soccer leagues, top one hundred players, system requirements and keybinds. FIFA 23 guide contains the best Begginer's Guide, for playing defense and attack, for passing and shooting. That could mean moving P2P functionality into more profitable environments, leveraging existing networks of friends to encourage spending, or offering value-added services at a nominal fee. But as it becomes more popular and starts to eat into these firms’ traditional streams of revenue, finding ways to monetize is increasingly important. Historically, most of these players have taken on mobile P2P at a loss because it’s a low-friction way to onboard users and won’t catch on unless it’s free, or largely free, to consumers. That poses a problem for firms providing these services, though. Over the next few years, though overall P2P spend will remain constant, a shift to mobile payments across the board and increased spending power from the digital-savvy younger generation will cause the mobile P2P industry to skyrocket. But as smartphones become a primary computing device, top digital platforms, like Venmo and Google Wallet, have enabled customers to turn away from cash and make those payments digitally with ease. That’s because individuals transfer funds to each other on a regular basis, whether it's to make a recurring payment, reimburse a friend, or split a dinner bill.Ĭash and checks have historically dominated the P2P ecosystem, and they’re still a popular tool. Peer-to-peer (P2P) payments, defined as informal payments made from one person to another, have long been a prominent feature of the payments industry. As Zelle goes live on more providers’ platforms, it will be critical to see if it can pull users from its eligible base, whether that’s in the form of converting existing third-party customers or bringing a new group to P2P payments. That might make banking apps' convenience more appealing than a third-party player. That’s critical, because P2P platforms thrive on network effect, and simplifying interbank transfer broadens that network by bringing more potential users into the fold. Zelle, which launched on Bank of America last week and will ultimately include 19 banks with over 70 million potential customers once it launches in full, is poised to connect bank-based P2P platforms so that it’s easier for users to transfer funds to peers at other banks. If customers are opting to make P2P payments on a third-party service rather than within a banking app, that’s a missed opportunity for mobile banking engagement.īut Zelle, a bank-owned and -affiliated P2P consortium, could be the ticket. That’s because mobile banking is a key engagement tactic for these players, since mobile banking users have considerably lower rates of attrition and tend to consume more banking products on average than other customers. For banks, capturing a share of rising mobile P2P payments matters. That leaves a clear incentive for banks to catch up. In addition, though both Venmo and QuickPay offer both online and mobile transfer options, Venmo is used predominantly on mobile devices only, which means online functionality may not be a substantial volume add for P2P firms. Venmo hasn’t disclosed customer totals, but its user base is likely smaller than Chase’s 26.5 million mobile banking users plus its online banking customer pool. That’s particularly notable considering Venmo’s limited use cases.But Venmo is growing fast - the platform processed $17.6 billion in 2016, marking a remarkable 135% growth and significantly shrinking the gap between it and QuickPay. In 2015, Venmo’s volume of $7.5 billion was just over a third of QuickPay’s total.
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