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A building society is a financial institution owned by its members as a mutual organization, which offers banking and related financial services, especially savings and mortgage lending. They exist in the United Kingdom, Australia and New Zealand, and formerly in Ireland and several Commonwealth countries, including South Africa as mutual banks. They are similar to credit unions, but rather than promoting thrift and offering unsecured and business loans, the purpose of a building society is to provide home mortgages to members. Borrowers and depositors are society members, setting policy and appointing directors on a one-member, one-vote basis. Building societies often provide other retail banking services, such as current accounts, credit cards and personal loans. The term "building society" first arose in the 19th century in Great Britain from cooperative savings groups.
A loyalty program is a marketing strategy designed to encourage customers to continue to shop at or use the services of a business associated with the program. A loyalty program typically involves the operator of a particular program set up an account for a customer of a business associated with the scheme, and then issue to the customer a loyalty card which may be a plastic or paper card, visually similar to a credit card, that identifies the cardholder as a participant in the program. Cards may have a barcode or magstripe to more easily allow for scanning, although some are chip cards or proximity cards.
Mobil is a petroleum brand owned and operated by American oil and gas corporation ExxonMobil. The brand was formerly owned and operated by an oil and gas corporation of the same name, which itself merged with Exxon to form ExxonMobil in 1999.
Niue is a self-governing island country in free association with New Zealand. It is situated in the South Pacific Ocean and is part of Polynesia, and predominantly inhabited by Polynesians. The island is commonly referred to as "The Rock", which comes from the traditional name "Rock of Polynesia".
Oceania is a geographical region that is described as a continent in various parts of the world. It includes Australasia, Melanesia, Micronesia, and Polynesia. Spanning the Eastern and Western hemispheres, at the center of the water hemisphere, Oceania is estimated to have a land area of about 9,000,000 square kilometres (3,500,000 sq mi) and a population of around 44.4 million as of 2022. Oceania is described as a geographical region in most of the English-speaking world, but outside of the English-speaking world, Oceania is described as one of the continents. In this model of the world, Australia is either seen as an island or a continental landmass contained inside of the larger continent of Oceania. When compared to the other continents, Oceania is the smallest in land area and the second-least populated after Antarctica.
Australia is a highly developed country with a mixed economy. As of 2023, Australia was the 13th-largest national economy by nominal GDP, the 19th-largest by PPP-adjusted GDP, and was the 21st-largest goods exporter and 24th-largest goods importer. Australia took the record for the longest run of uninterrupted GDP growth in the developed world with the March 2017 financial quarter. It was the 103rd quarter and the 26th year since the country had a technical recession. As of June 2021, the country's GDP was estimated at $1.98 trillion.
A credit rating agency is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by making timely principal and interest payments and the likelihood of default. An agency may rate the creditworthiness of issuers of debt obligations, of debt instruments, and in some cases, of the servicers of the underlying debt, but not of individual consumers.
Visa Inc. is an American multinational payment card services corporation headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Mastercard Inc. is the second-largest payment-processing corporation worldwide. It offers a range of payment transaction processing and other related-payment services. Its headquarters are in Purchase, New York. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard-brand debit, credit and prepaid cards to make purchases. Mastercard has been publicly traded since 2006.
Woolworths Group Limited is an Australian multinational retail and finance company, primarily known for its operation of retail chain Woolworths Supermarkets across Australia and Woolworths in New Zealand, as well department stores Big W and Masters. Headquartered in Bella Vista, Sydney, it is the largest company in Australia by revenue and number of employees, and the second-largest in New Zealand.
Diners Club International (DCI), founded as Diners Club, is a charge card company owned by Discover Financial Services. Formed in 1950 by Frank X. McNamara, Ralph Schneider, Matty Simmons, and Alfred S. Bloomingdale, it was the first independent payment card company in the world, successfully establishing the financial service of issuing travel and entertainment (T&E) credit cards as a viable business. Diners Club International and its franchises serve individuals from around the world with operations in 59 countries.
ANZ Bank New Zealand Limited is a New Zealand banking and financial services company, which operates as a subsidiary of Australia and New Zealand Banking Group Limited of Australia. ANZ is one of New Zealand's big four banks, and is the largest bank in New Zealand with approximately 30% of market share as of March 2021.
The Australia and New Zealand Banking Group Limited (ANZ) is an Australian multinational banking and financial services company headquartered in Melbourne, Victoria. It is Australia's second-largest bank by assets and fourth-largest bank by market capitalisation.
Equifax Inc. is an American multinational consumer credit reporting agency headquartered in Atlanta, Georgia and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers.
Australia, officially the Commonwealth of Australia, is a sovereign country comprising the mainland of the Australian continent, the island of Tasmania, and numerous smaller islands. Australia is the largest country by area in Oceania and the world's sixth-largest country. Australia is the oldest, flattest, and driest inhabited continent, with the least fertile soils. It is a megadiverse country, and its size gives it a wide variety of landscapes and climates, with deserts in the centre, tropical rainforests in the north-east, tropical savannas in the north, and mountain ranges in the south-east.
New Zealand is an island country in the southwestern Pacific Ocean. It consists of two main landmasses—the North Island and the South Island —and over 700 smaller islands. It is the sixth-largest island country by area and lies east of Australia across the Tasman Sea and south of the islands of New Caledonia, Fiji, and Tonga. The country's varied topography and sharp mountain peaks, including the Southern Alps, owe much to tectonic uplift and volcanic eruptions. New Zealand's capital city is Wellington, and its most populous city is Auckland.
Westpac Banking Corporation, known simply as Westpac, is an Australian multinational banking and financial services company headquartered at Westpac Place in Sydney, New South Wales.
Information technology (IT) is a set of related fields that encompass computer systems, software, programming languages and data and information processing and storage. IT forms part of information and communications technology (ICT). An information technology system is generally an information system, a communications system, or, more specifically speaking, a computer system — including all hardware, software, and peripheral equipment — operated by a limited group of IT users, and an IT project usually refers to the commissioning and implementation of an IT system.
Veda (NZ) Limited was a credit reference agency in New Zealand. it was acquired by Equifax in February 2016.
References
- ↑ Cubbage, Christopher; Brooks, David (2012). Corporate Security in the Asia-Pacific Region: Crisis, Crime, Fraud, and Misconduct. CRC Press. p. 109. ISBN 978-1439892275.
- ↑ Bennett, Adam (25 January 2007). "Baycorp's new owner wants refund". New Zealand Herald. Archived from the original on 8 March 2016. Retrieved 7 September 2012.
- ↑ Anne, Hyland (16 August 2010). "What is Veda?". Australasian Business Intelligence. Archived from the original on 11 October 2014. Retrieved 7 September 2012.
- ↑ Rule, James; Greenleaf, Graham (2008). Global Privacy Protection: The First Generation. Edward Elgar Publishing Ltd. p. 146. ISBN 978-1848440630.