Short essay on mobile banking

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Short essay on mobile banking

During the Babylonian era Jews had greater opportunities to come into contact with a highly developed banking tradition and to participate in credit operations.

The use of Greek terms indicates a strong Hellenistic influence on the establishment of banking. In Babylonia, Jews engaged in financial transactions: However, talmudic references show that the standards of an agrarian economy were still dominant and therefore gamblers and usurers were not thought trustworthy witnesses see e.

Another Alexandrian Jew was treasurer to Candace, queen of Ethiopia. Middle Ages THE CALIPHATE With the rapid development of city life and commerce in the caliphate of Baghdad from the late eighth century and the transition of the majority of Jews under caliphate rule from agriculture and a village environment to the cities, banking became one of the occupations of some upper-class Jews, especially in Baghdad and later under the Fatimids from in Egypt.

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This Jahbadhiyya, as it was called, was a form of banking based on the savings and economic activities of the whole Jewish merchant class and not only on the fortunes of the very rich: The vast sums at the disposal of these Jewish bankers and their relative immunity from confiscation by the autocratic authorities both tend to confirm that these Jewish "court bankers" from the beginning of the tenth century onward were well-known to their Muslim debtors as a kind of "deposit banker" for Jewish merchants.

The responsa of this period show a highly developed money economy existing before the First and Second Crusades. With the disappearance of the Syrians and Greeks from Europe in the seventh century, the Jewish merchants were able to expand. Within the administration of the Merovingian kings from Jews possibly farmed taxes or advanced money on revenues to high officials; according to Gregory of Tours c.

During the Carolingian period from the mid-eighth centuryJews settled in the Rhineland again as they had done during the Roman Empire — some of them lending money on pledges or giving money to merchants in a kind Short essay on mobile banking commenda partnership.

Archbishop Anno of Cologne d. In France, England up toGermany, Austria, Bohemia, Moravia, and northern and central Italy, Jews had to turn to loan-banking on a larger or smaller scale in order to make a living. The word judaizare became identical with "taking interest. However, there is little data to suggest that Jewish banking transactions were on a large scale even in the 13th century, but there is evidence that the bishop of Basle had debts with Basle Jews and that various monasteries had Jewish creditors.

The transition from a natural economy to a money economy in the course of the "commercial revolution," and the stabilization of territorial principalities opened new possibilities for Jewish banking activity, especially in the Rhineland and in southern Germany.

The most important banking transaction in the first half of the 14th century went through the hands of Vivelin the Red, who transmitted 61, florins in gold which King Edward III of England paid to Baldwin of Trier for becoming allied with him against France. Muskin and Jacob Daniels served the archbishop of Trier in the administration of his finances; during the first half of the 14th century, Daniels was probably the most important Jewish banker of the Rhineland.

He was followed in the service of the archbishop by his son-in-law Michael. At the same time Abraham von Kreuznach at Bingen had a similar position with the archbishop of Mainz. Gottschalk von Recklinghausen and his company was another group on the lower Rhine.

Such banking activity is recorded in other parts of Central Europe as far as Silesia. Moneychanging and coinage privileges were often combined with moneylending, and Jews were frequently the sole agents arranging loans. From the first half of the 12th century moneychanging as a special form of banking is supported by documentary evidence.

To spread the risk, partnerships of between two and ten persons were formed. As security, custom at first recognized mainly pledges, but from the middle of the 13th century the letter of credit came into use, though princess till preferred to pledge jewels.

Often, instead of a pawn, bail was given by several persons. In western Germany hypothecation of real estate was preferred, and in this way Jews acquired in pledge houses, vineyards, farms, villages, castles, towns, and even seigneuries.

From the 12th century popes and princes exploited the financial capacity of the Jews by frequent remission of debts or forced loans.

With these and other measures and the rise of the merchant class, who gradually took over the function of loan-bankers to the princes and even to emperors during the 15th and early 16th centuries, the Jews were deprived of imperial protection and forced to leave the towns.

They retired to the small seigneuries or migrated to Eastern Europe, where a less-developed economy offered them possibilities of making a livelihood. In Bohemia, Hungary, and in Poland and Lithuania both princes and nobility made use of their financial help.

In the larger towns some engaged in moneylending and banking activities. In 12th-century France moneylending was an important Jewish business, but in the 13th century Jewish lenders came up against the superior competition of the Lombards, a rivalry even more intense in the Netherlands.

However in the 13th century the crown began to rely on the greater resources of the Cahorsins and Italian bankers and in the Jews were expelled. From the second half of the 13th century they spread throughout central Italy and gradually expanded toward the north, migrating at first to the smaller and medium-sized towns.

Here as in other places in northern Italy, Jewish loan-bankers from the south came into competition with Jews migrating from Germany or southern France.

Finally only a few towns, such as Milan and Genoa, refused to admit Jewish loan-bankers. The Iberian Peninsula after the Christian reconquest offers many examples of large-scale credit activities and tax farming by Jews. It is known that they provided money for armaments against the Moors.

His successors employed Jews in the financial administration, especially as almoxarifes revenue collectorsan activity combined with moneylending. Generally, in Castile the Jews abstained from farming the direct taxes, which from the Cortes opposed.

The Jews therefore tended to prefer the administration of the customs and other rights belonging to the office of almoxarife.

The court of Aragon relied on Jewish financial administrators in a similar fashion.Text messaging, or texting, is the act of composing and sending electronic messages, typically consisting of alphabetic and numeric characters, between two or more users of mobile devices, desktops/laptops, or other type of compatible yunusemremert.com messages may be sent over a cellular network, or may also be sent via an Internet connection..

The term originally referred to messages . The following essay was submitted to the Wharton MBA program by our client. The client was accepted to the program. Upon graduation I wish to lead the fiber-optics product management team in one of the world’s largest optical communication companies (such as Alcatel-Lucent and AT&T), supervising a .

Short essay on mobile banking

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