Global ETD Search

21	Estudos por RMN de 1H das interações de substratos carbonílicos e carboxílicos com agentes de discriminação quiral / 1H NMR investigations of the interactions of carbonyl and carboxyl derivatives with chiral discriminating agents Thais Bezerra Claudio 30 June 2010 (has links) Os sais derivados de alcalóides da Cinchona têm sido muito utilizados como catalisadores de transferência de fase, em reações assimétricas. No entanto, sua performance como agentes de discriminação quiral tem sido pouco explorada. Com o objetivo de melhor compreender as bases moleculares que comandam o reconhecimento quiral dos isômeros ópticos de compostos carbonílicos e carboxílicos, quando em mistura com a quinina ou com sais de alcalóides da Cinchona, foi realizada uma série de experimentos, utilizando a técnica da RMN de 1H. A atribuição dos deslocamentos químicos aos solvatos de cada enantiômero foi feita pelo registro do espectro de RMN de 1H de misturas dos agentes de discriminação quiral com amostras enantiopuras ou enantiomericamente enriquecidas dos substratos. A estabilidade relativa dos solvatos foi estimada utilizando-se modelos moleculares, nos quais foi possível identificar a existência de interações do tipo π-π e de ligações de hidrogênio. As conclusões baseadas nos experimentos de RMN de 1H foram concordantes com as resultantes da análise dos modelos moleculares, construídos para cada par substrato/agente de discriminação quiral / Salts of Cinchone alcaloids are common chiral catalysts for asymmetric phase-transfer reactions. However, studies on their performance as chiral discriminating are still scarce. In order to investigate the molecular basis of chiral recognition for such compounds, the 1H NMR spectra of admixtures of quinine or Cinchone alkaloids salts with carbonyl and carboxyl derivatives were recorded and analyzed. The relative stabilities of the solvated complexes were estimated on the basis of preferential π-π and hydrogen bonding interactions between substrates and the chiral discriminating agent. Conclusions based on results of the 1H NMR experiments were in line with those arising from the analysis of molecular models for the substrate/chiral discriminating agent pairs Agentes de discriminação quiral Alcalóides Cinchona RMN de 1H 1H NMR Alcaloids Chiral discriminating agents Cinchone
22	Evolving strategies to engineer tendon tissue in vitro Chohan, Sundas January 2016 (has links) Tendons are able to undergo repeated cyclic loading in vivo without permanent deformation or mechanical failure. However, diseased, traumatised and decellularised tendons gradually lose the ability to resist load and fail because of creep deformation. The molecular basis of the mechanical properties of tendon and how cells establish and maintain these properties is poorly understood. New knowledge in this area is required to develop novel medical strategies to improve tendon repair and regeneration. Recent advances in tissue bioengineering have led to the formation of fibrin-based tendon-like tissue (‘tendon constructs’) that display the mechanical properties and ultrastructure of embryonic tendon. This thesis presents the characterisation of the tendon constructs derived from primary fibroblasts to understand the relationship between the cells and matrix during tissue development, and to establish the standard of in vitro engineered tendons. These findings facilitated protocol development to engineer human tendon-like tissue derived from stem cells. Novel findings of constructs formed from differentiated human pluripotent stem cells in feeder and feeder-free systems are presented. Fibrin gels were seeded with human dermal fibroblasts (HDF), chick tendon fibroblasts (CTF), MAN5 (Manchester, embryonic stem) cells, human embryonic stem cells (HuES7) and induced pluripotent stem cells (iPS). The gels were cultured until isometric tendon-like constructs were formed (T0) or continued for four or ten days post-formation. The mechanical properties, histology and gene expression of the constructs were analysed and compared between the constructs seeded with the aforementioned cell types. Varying the initial cell number (tested in CTF-seeded fibrin and collagen based constructs) significantly affected the final cell count and the mechanical properties of the constructs differentially at T0 and T10. A non-linear relationship exists between the initial and final cell number, and, between the initial cell number and mechanical properties. However, the results showed that cell number impacted cell-matrix stabilisation as strength per se was strongly dependent on initial cell number. Collagen-based constructs showed a significantly lower stiffness compared with fibrin-based constructs at T0 and T10. The stem cells and primary cells reproducibly underwent morphogenesis to form a 3D tissue similar to embryonic tendon in vivo expressing ECM markers such as collagens type I and III. The tissue also exhibited the ultrastructural characteristics and biomechanical profile of immature tendons. RNA seq and qPCR results demonstrated the upregulation of tendon-specific genes. Tendon-like tissue generated from human stem cells and HDFs in vitro has the potential to replace functional tissue lost through disease and to advance the understanding of the molecular basis of human tenogenesis. 610.28
23	Obrazové detektory rentgenového záření pro aplikace v microCT systémech / X-ray Image detectors for using in microCT systems. Papajová, Gabriela January 2017 (has links) Diplomová práce se zabývá detektory rentgenového záření pro mikro-CT systémy. Teoretická část zahrnuje standartní typy rentgenových detektorů a požadavky na kvalitu obrazu pro výslednou 3D rekonstrukci. V závěru jsou popsány fyzikální parametry reálných detektorů a metody jejich měření a vyhodnocení.
24	Implication des métabolites de l'APP dans les troubles mnésiques précoces chez la souris TgCRND8, un modèle de la maladie d'Alzheimer / Differential contribution of APP metabolites to early memory deficits in a TgCRND8 mouse model of Alzheimer’s disease Hamm - Haouari, Valentine 06 December 2016 (has links) La maladie d’Alzheimer (MA) est une pathologie neurodégénérative communément caractérisée par une perte progressive de la mémoire. L’étiologie de la MA demeure incertaine à ce jour ce qui complique l’élaboration de stratégies thérapeutiques permettant de l’éradiquer. L’accumulation des échecs thérapeutiques pourrait en partie s’expliquer par le fait que l’hypothèse amyloïde, qui met en avant l’implication prépondérante du peptide bêta-amyloïde (Aβ) dans la physiopathologie de la MA, serait incomplète. En utilisant un modèle murin transgénique de la MA, la souris TgCRND8, j’ai pu compléter l’hypothèse amyloïde en proposant l’implication, en plus de l’Aβ, du fragment carboxy-terminal bêta (β-CTF). Ces deux métabolites amyloïdogéniques de l’APP seraient responsables de l’altération de formes différentes de mémoire. Le dosage de ces métabolites dans l’hippocampe, suite au traitement chronique des souris avec un inhibiteur de β ou de γ-secrétase, a mis en évidence que le β-CTF serait responsable de l’atteinte de la mémoire impliquée dans la détection du remplacement d’un objet, alors que l’Aβ perturberait la mémoire permettant la détection du déplacement d’un objet. Ces travaux suggèrent qu’il serait judicieux de développer de nouvelles stratégies thérapeutiques qui diminuent à la fois les niveaux cérébraux des deux fragments amyloïdogéniques, le β-CTF et l’Aβ. / Alzheimer’s disease (AD) is a neurodegenerative pathology commonly characterized by a progressive memory loss. To these days, AD’s etiology has remained unclear which complicates the development of therapeutic strategies enabling to eradicate the pathology. The accumulation of therapeutic failures could partly be explained by the fact that the amyloid hypothesis, which highlights the leading involvement of the amyloid beta peptide (Aβ) in the physiopathology of AD, could be incomplete. Using a transgenic mouse model of AD, the TgCRND8 mice strain, I expanded the amyloid hypothesis, suggesting the involvement of the beta carboxy-terminal fragment (β-CTF), in addition to Aβ. These two amyloidogenic metabolites could be responsible for the alteration of different forms of memory. The dosage of these metabolites, after mice chronic treatment with either a β- or a γ-secretase inhibitor, highlighted the fact that β-CTF could be responsible for the deterioration of the memory involved in the detection of the replacement of an object. As for Aβ, it could disrupt the memory allowing the detection of the displacement of an object. This work suggests that it would be judicious to develop therapeutic strategies reducing brain levels of both amyloid fragments, β-CTF and Aβ. Maladie d’Alzheimer Souris TgCRND8 Β-CTF Aβ Inhibiteurs des secrétases β et γ Activité oscillatoire Parvalbumine Anti-inflammatoires non stéroïdiens Alzheimer’s disease TgCRND8 mice Β-CTF Aβ Β- and γ-secretase inhibitors Oscillatory activity Parvalbumin Non-steroidal anti-inflammatory drugs 572.8 616.83
25	Value Co-Creation & Proposition in Service Business Models & Eco-Systems – Interactions, Perspectives, Roles : 20 Manager Interviews in SMEs & MNCs 3 Case Studies from IBM (Leadership, Strategy, Technology, Services) Tošić, Damjan, Bhatty, Usman Tariq January 2014 (has links) The academic and business understanding of how Business Models through Service Logic co-creates, proposes, and captures value in extensive and complex Networked Systems is at its first daylight, specifically in the context of Service Systems with their Ecologies. With the complexity emerging in the Service Economies along with the advances in Information and Communication Technology such as the Cloud and Big Data, to describe and define the business operations, units, and value propositions consequently is done by business modeling and innovation of the company to acquire a current or new capitalization strategy, control and execution. Open Business Models such as the Business Model Canvas are easily integrated in existing or new Enterprises and Service Systems, and aim to facilitate the development of private as well as public entities in adapting, accessing, and integrating operant and operand resources by the ever-so-more used Service Logic. A Service Business Model has the academia and business recognized Service-Dominant Logic (S-D Logic) as a foundation for sensemaking in complex Networked Systems and Service Economies. The authors have conducted 20 face-to-face interviews with private and public company managers at all levels, review of literature in the Business Model and Service Logic fields, and also reviewed case studies from IBM on Business Models and its Leadership, Strategy and Technology (and Services) – which is a natural extension of our Interdisciplinary and Systems Sciences studies with S-D Logic at Karlstad Business School and Karlstad University for the past four years. The author’s research, interviews and IBM’s case studies show a need for further conceptualization and sensemaking of the Value Co-Creations and Propositions in Service Eco-System settings – and also decision-making assistance for managers designing, innovating and using Service Business Models to create sustainable Ecologies. Moreover, a Leadership perspective with a systems level strategy in Service Eco-Systems through externally-faced Value Propositions with the ability to create opportunities needs to be developed through a systems thinking. Furthermore, the quality of interaction, shared information, and influence in Dyad Perspective to facilitate Triad Relationships captures value – which is facilitated by the new Service Canvas Business Model. We argue for a multiple perspective in Service Business Models to cater both partner and customer perspective with internally- and externally-faced Value Propositions to Co-Create or Capture Value – we see that this requires an objective (objectification) foundation for consensus; the 4C model. We contend that Service Eco-Systems cannot scale or sustain without the proper use of Technology specifically Communication but also Information, which determine most of the quality in modern and digital service interactions and perspectives. Our interviews, reviews, and cumulative research in Service Business Models and Eco-Systems with IBM case studies are all strong foundations for current and future research but also for business practice today. Business Models Service Business Models Business Model Canvas Service Concepts Value Co-Creation Value Proposition Service-Dominant Logic Service Science Service Eco-Systems Manager Interviews Case Studies Karlstad University Service Research Center CTF IBM
26	Impact of Li non-stoichiometry on the performance of acoustic devices on LiTaO3 and LiNbO3 single crystals / Effet de nonstoechiométrie en Li sur la performance des dispositifs à ondes élastiques à base de monocristaux de LiTaO3 et LiNbO3 Gonzalez, Minerva 19 July 2016 (has links) Les technologies de filtres, résonateurs, oscillateurs et capteurs sont des éléments essentiels dans lesindustries des télécommunications, automobile, militaire, médical, etc. Les monocristaux de LiTaO3 (LT) etLiNbO3 (LN) sont les matériaux les plus utilisés pour la fabrication de filtres de radiofréquence à ondesélastiques des téléphones portables, car ils possèdent un facteur de couplage électromécanique (K2) élevé.Cependant, ils présentent une problématique liée à la variation de la fréquence de fonctionnement avec latempérature (CTF), dont la valeur est environ de -40 à -95 ppm/°C. D’autre part, il a été démontré dans lalittérature que les propriétés de LT et LN changent avec la non-stoechiométrie du Li.L’objectif de cette thèse a été l’étude de l’effet de la concentration en Li2O sur la performance desdispositifs acoustiques à ondes élastiques de surface, utilisant comme substrat piézoélectrique desmonocristaux de LT coupe YXl/42 (42 RY-LT) et LN coupe YXl/128 (128 RY-LT). Cette étude vise àl’amélioration du CTF sans la dégradation d’autres propriétés (K2 et pertes d’insertion) dans le cas du 42 RYLTet la stabilité de dispositifs utilisés à haute densité de puissance dans le cas du 128 RY-LN. Tout d’abord,nous avons préparé des monocristaux de LT et LN avec différente concentration en Li2O :48.5-50 mol%, enutilisant la méthode d’équilibration par transport en phase vapeur (VTE). Ensuite, nous avons fabriqué etcaractérisé des dispositifs à ondes élastiques de volume et de surface à base de LT et LN, traités par VTE, afind’étudier l’effet de la non-stoechiométrie de Li et l’effet des domaines ferroélectriques sur leur performance. / The filter technologies, resonators, oscillators and sensors are essential elements fortelecommunications, automotive, military, medical industries. The most of radio frequency surface acousticwave (RF-SAW) filters, present in mobile phones, are based in LiNbO3 (LN) and LiTaO3 (LT) single crystalsbecause they have high electromechanical coupling factor (K2). However, these materials have a problemrelated to the variation of the operating frequency with temperature (TCF), whose value is about -40 to -95ppm / ° C. On the other hand, it has been previously shown in the literature that the physical and structuralproperties of LT and LN change with Li non-stoichiometry, including elastic properties.The aim of this work was the investigation of the impact of Li2O concentration on the performance ofSAW devices based on YXl/42 (42 RY-LT) and YXl/128 (128 RY-LN) single crystals. In the case of 42 RY-LT,we focused in the reduction of TCF without the degradation of other properties (K2 and insertion losses) andin the case of 128 RY-LN crystals we focused in the stability of devices at high power densities. First, singlecrystals of LT and LN with different Li2O concentration: 48.5-50 ml% were prepared, by using the VaporTransport Equilibration (VTE) method. Afterwards, SAW and bulk acoustic wave (BAW) devices based on LTand LN VTE treated crystals, were fabricated and characterized, in order to study the effect of Li nonstoichiometryand the effect of ferroelectric domains on the performance of devices. Stoechiométrie Monocristaux de LT et LN Temperature coefficient frequency (TCF) Stoichiometry LT and LN single crystals Electromechanical coupling factor (K2) Vapor transport equilibration (VTE) 541
27	(Anti) Money laundering and its macroeconomic and microeconomic perspective / Legalizace výnosu z trestné činnosti- mikroekonomická a makroekonomická perspektiva Danková, Diana January 2016 (has links) The primary objective of this diploma thesis is to comprehensively present the issue of money laundering not only on a macro level but also in terms of commercial bank and its microeconomic response to it. The main contribution of this diploma thesis is to identify the global indicators, which should be considered when drafting strategies in the fight against the legalization of proceeds from crimes. This diploma thesis addresses the changes caused by current globalization and highlights the dangerous effects it has on evolution of this consequent criminal activity together with evaluation of its potential in the future. Due to the tense situation in Europe caused by the series of terrorist attacks, part of the work is dedicated to the explanation of the relationship between terrorist financing and money laundering.
28	銀行業防制洗錢及打擊資恐機制之實務探討 / A Study on the Practice of Anti-Money Laundering and Counter-Terrorism Financing of Banking Sector 謝雪妮, Hsieh, Hsueh-Ni Unknown Date (has links) 本國為因應2018年亞太防制洗錢組織（APG）相互評鑑事宜，相關單位陸續參照國際規範，如防制洗錢金融行動工作組織（FATF）2012年發布之「防制洗錢及打擊資恐與武器擴散國際標準40項建議」、巴塞爾銀行監理委員會(BCBS)2014年發布之「健全有關防制洗錢及打擊資恐之風險管理」文件等，以及他國作法進行有關防制洗錢及打擊資恐法制規約、監管措施及自律規範等之修正，並促請義務機構強化執行，以期順利通過第三輪相互評鑑。銀行向為洗錢及資恐犯罪喜好之金流管道，基於銀行提供之金融服務具安全性、便利性及多元化、全球化等優點，不僅吸引一般金融消費者與銀行緊密往來，亦同時受到不良分子之青睞，致金融體系資源易遭不當利用。銀行為金融體系之核心主體，負有防制洗錢及打擊資恐之義務與責任，本文爰就銀行業防制洗錢及打擊資恐實務切入，針對本國銀行應採行之因應措施基本架構進行探討。本文將先介紹FATF之評鑑流程及方法論，以立下銀行進行防制洗錢及打擊資恐工作之目標，復就達成前開目標為方向，引述金融機構防制洗錢及打擊資恐機制之國際標準，繼而回歸國內外對銀行實際作為之法規要求，試行建構銀行防制洗錢及打擊資恐基本機制，末則就銀行於執行面可改善空間提出重點觀察建議。隨著工業4.0、Bank3.0及Fintech（金融科技）之快速演進，銀行客戶樣貌及交易型態正在改變，健全防制洗錢及打擊資恐機制是所有銀行業共同面臨之進階版挑戰，本文謹提出銀行機制基本實務報告，俾作為開展細緻化措施之參考。另本文為一般性原則之探討，並非針對特定機構主體之描述，併此敘明。 / For the Mutual Evaluation which will be conducted by the Asia/Pacific Group on Money Laundering (APG) in 2018, basing on the following consulting international norms, such as “International Standards on combating Money Laundering and the Financing of Terrorism & Proliferation (The FATF Recommendations)” published by Financial Action Task Force (FATF) in 2012, “Sound management of risks related to money laundering and financing of terrorism” published by Basel Committee on Banking Supervision (BCBS) in 2014 and foreign advanced practices, the Taiwan authorities have amended the legal system, laws and regulations, supervision measures and self-disciplines referred to Anti-Money Laundering (AML) and Counter-Terrorism Financing(CTF). Meanwhile, every relevant entity is enhancing the prevent measures and internal control on AML/CFT (Counter-Financing of Terrorism) as well. The satisfactory result of the Third Round Mutual Evaluation will be expected. As people know, the banks are always the favorite cash flow channel of money laundering and terrorism financing, since the banks provide the financial services with advantages of safety, convenience, diversification and globalization, etc. Both general financial customers and criminals on ML/FT are attracted to make transactions with the banks. Thus, the financial system’s resources could be utilized improperly. Due to the role of the core of financial system, the banks should take the responsibility and bear the liability of Anti-Money Laundering and combating the financing of terrorism. In this paper, the primary framework on AML/CFT of domestic banks will be outlined according to the real practice. First, this paper has an introduction of mutual evaluation process and methodology in order to set the goal related to AML/CFT of the bank. Next, the model practices of international standards are presenting to achieve the goal for references. Then, this paper will focus on domestic and foreign regulatory requirements on banking, and try to construct the bank’s primary internal system of AML/CFT. Finally, there are some observations of the bank’s performance related to this issue. With the rapid evolution of Industry 4.0, Bank 3.0 and Fintech, the customers’ financial behaviors and transaction types are changing. Therefore, to keep sound internal system of AML/CFT is an advanced challenge to all the banks. This paper is trying to set a primary framework on AML/CFT of domestic banks, and to be taken reference for banks to start developing appropriate prevent measures. In addition, the statement of this paper is an approach to general principles, not indicating any specific institution. 防制洗錢金融行動工作組織亞太防制洗錢組織相互評鑑巴塞爾銀行監理委員會沃爾夫斯堡集團銀行業洗錢防制洗錢打擊資恐客戶盡職調查交易監控可疑交易申報 FATF APG Mutual evaluation Basel Committee on Banking Supervision Wolfsburg Group Banking Money laundering Anti-Money Laundering (AML) CTF/CFT Customer due diligence (CDD) Transaction monitoring Suspicious Activity Report (SAR)
29	Legal and regulatory aspects of mobile financial services Perlman, Leon Joseph 11 1900 (has links) The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. \| vi / Public, Constitutional and International Law / LLD Agents Airtime transfer Airtime -based SOV Allocation of loss Allocation of risk Anti-Money Laundering (AML) Aristotle Australian school Auto-subscription Banks Banks Act Bilateral Juristic Act Bottom of Pyramid Branchless Banking BSD Business of banking Cash-In /Cash out Central Bank Claim school Competition Commission Condictiones Consumer protection Consumer Protection Act (CPA) Contract law Convergence CTF Dedicated Banks Bill Delict Regulatory philosophies Deposits Deposit-taking Directives Dodd-Frank Electronic Commerce (e-commerce) Electronic Funds Transfer (EFT) Electronic money (e-money) Electronic Money Directive (EMD) European Union (EU) FA Mann Fiat Fiat-based SOV FICA Financial inclusion Financial literacy Foley v Hill Hacking ICASA Kenya KYC Legal capacity m-Banking Means of exchange Means of payment MFS MFSP Miller v Race Minors MNO Mobile Banking (m-Banking Mobile Commerce (m-commerce) Mobile Financial Services (MFS) Mobile Financial Service Provider (MFSP) Mobile Financial Services Provide (MFSP) Mobile Network Operator (MNO) Mobile payments Mobile payments (m-Payments) Mobile purse Mobile wallet Money Money Laundering (ML) m-Payments m-pesa National Consumer Commission National Payment System National Payment System Act (NPSA) Non-Banks NPSA Orthodox school Oversight Payment instrument Payments law Pooled accounts Position paper Proportional regulation Prudential Regulation PSD PSPL PSRA Redeemable funds Regulator's dilemma Regulatory capture Remittances (RICA) (South Africa) Security SIM Card SIPS South African Reserve Bank SOV Specie Store of Value (SOV) Stored Value Account (SVA) Subscriber Supervison Systemic risk Telecommunications Transformational banking Trust accounts Unbanked Underserved Underbanked Unit of account United Dominions Trust (UDT) Unjustified enrichment USA Value Added Services (VAS) Wallet WASP WASPA Additive banking Regulatory arbitrage 346.82120680285 Banks and banking, mobile --South Africa
30	Legal and regulatory aspects of mobile financial services Perlman, Leon Joseph 11 1900 (has links) The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. \| vi / Public, Constitutional and International Law / LL. D. Agents Airtime transfer Airtime -based SOV Allocation of loss Allocation of risk Anti-Money Laundering (AML) Aristotle Australian school Auto-subscription Banks Banks Act Bilateral Juristic Act Bottom of Pyramid Branchless Banking BSD Business of banking Cash-In /Cash out Central Bank Claim school Competition Commission Condictiones Consumer protection Consumer Protection Act (CPA) Contract law Convergence CTF Dedicated Banks Bill Delict Regulatory philosophies Deposits Deposit-taking Directives Dodd-Frank Electronic Commerce (e-commerce) Electronic Funds Transfer (EFT) Electronic money (e-money) Electronic Money Directive (EMD) European Union (EU) FA Mann Fiat Fiat-based SOV FICA Financial inclusion Financial literacy Foley v Hill Hacking ICASA Kenya KYC Legal capacity m-Banking Means of exchange Means of payment MFS MFSP Miller v Race Minors MNO Mobile Banking (m-Banking Mobile Commerce (m-commerce) Mobile Financial Services (MFS) Mobile Financial Service Provider (MFSP) Mobile Financial Services Provide (MFSP) Mobile Network Operator (MNO) Mobile payments Mobile payments (m-Payments) Mobile purse Mobile wallet Money Money Laundering (ML) m-Payments m-pesa National Consumer Commission National Payment System National Payment System Act (NPSA) Non-Banks NPSA Orthodox school Oversight Payment instrument Payments law Pooled accounts Position paper Proportional regulation Prudential Regulation PSD PSPL PSRA Redeemable funds Regulator's dilemma Regulatory capture Remittances (RICA) (South Africa) Security SIM Card SIPS South African Reserve Bank SOV Specie Store of Value (SOV) Stored Value Account (SVA) Subscriber Supervison Systemic risk Telecommunications Transformational banking Trust accounts Unbanked Underserved Underbanked Unit of account United Dominions Trust (UDT) Unjustified enrichment USA Value Added Services (VAS) Wallet WASP WASPA Additive banking Regulatory arbitrage 346.82120680285 Banks and banking, mobile --South Africa

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