Sheri gill


Head of the department for the development of services and the payment system of the LeoGaming fintech company Irina Tsybulnik talks about the development of the non-bank financial services market and explains the rapid growth of popularity of payment terminals and “mobile” money.

Can you tell us about the market of non-bank financial institutions? What are the key characteristics of its development in recent years?

The majority of people are aware of the fact that the influence of non-bank financial institutions (hereinafter referred to as NBFIs) in the financial market of Ukraine has grown significantly in recent years. It happened both as a result of the natural development of the market in the current legislative environment, as well as because of changes in the structure of the financial system itself.

A few years ago, small banks left the market. The reason was simple: they could not withstand the crisis in the domestic economy. At the same time, their place was not taken by financial companies. They simply cannot do this, since banks and NBFIs are different entities of the financial industry, although they have similar properties in many aspects. However, keeping in mind the fact that regulatory pressure on banks was increasing, financial companies were able to occupy those niches, where banks could not operate any longer. NBFIs became transactional organizations for payment systems that include banks. For example, the LEO international payment system works using the same way.

As a result, the market was distorted, which was solved by the Split Law (No. 79-IX) that came into force in July 2020. Supervision of financial companies was transferred to the NBU, thus allowing creating the unified “rules of the game” for the main financial services provided by all participants. We are talking about money transfers, credit services, and currency exchange operations. Financial companies often create strong fintech brands, while banks actively work with them. The financial company develops a technical solution, while the bank provides financial infrastructure. Thus, a holistic ecosystem has been actively created in Ukraine in recent years. It is worth noting that non-bank financial institutions have a very stable position within this ecosystem.

What are the key segments where non-bank financial institutions can compete with banks?

Banks are not able to offer a wide range of financial services. These functions are most often performed by the NBFI. First of all, we are talking about insurance. If the bank decided to provide insurance services, it has to cooperate with an NBFI, while the bank works as an insurance intermediary.

Secondly, we are talking about lending. In this case, banks and NBFIs play on the same field but having different audiences. NBFIs work with the segment of customers who need credit services but have no chance to get a loan from a bank due to higher requirements for the creditworthiness of the borrower. These are low-income individuals, who use the services of credit financial companies or pawnshops. The interest rate on the loan there is higher because of the riskiness of the operation.

Thirdly, we are talking about currency exchange operations. As you know, it is much easier for a financial company with a currency license to open a currency exchange office than for a bank to open a new branch. It turns out that NBFIs have a wider audience, sometimes introducing innovative cases. For example, our LeoGaming Pay financial company has launched the first office for currency exchange operations in Ukraine with a software payment transactions recorder.

How the new law on financial monitoring affected the financial market and the clients of financial companies?

Law No. 361-IX improves the financial monitoring procedure and brings it in line with the financial monitoring standards established by international and European authorities.

First of all, it is worth noting that the law expands and tightens the requirements for the identification of people making money transfers. For example, these days one cannot top-up any service for the amount of more than 4999.99 UAH by using a payment terminal. To pay more than 5,000 UAH, you must enter your identification data. Previously, such a requirement also existed, but it was applied for amounts over 15,000 UAH. However, there are several exceptions:

  • Payment of utilities, taxes, fines, and other budget payments (regardless of the amount)
  • Repayment of loans of less than 30,000 UAH.

At the same time, the amount of a financial transaction subject to financial monitoring has been increased from 150,000 UAH to 400,000 UAH.

The new law introduces a risk-based approach to the implementation of financial monitoring, which means a deeper check of suspicious customers and a simplified one for reliable ones.

The law also introduces the long-awaited possibility of remote verification of the client without any need for their physical presence. These days, the entire process of verification of the client’s identification data can be carried out, for example, using the BankID system by NBU, or a qualified electronic signature.

Besides, new approaches to the responsibility of the subjects of the preliminary financial intelligence are worth your attention. The number of fines has significantly increased. Also, the amount of the fines for specific types of violations are clear now.

How is the market of payment terminals developing in the context of the growing popularity of non-cash payments?

It is worth noting that the market continues to grow. Only this fact alone eliminates any negative connotation from the question. The terminal business is inventing new niches and options for working in the realities of the growing cashless economy. But at the same time, it is worth remembering that the main audience of customers of payment terminals (and these are millions of Ukrainians) did not suddenly stop paying in cash because they had a PayPass card to pay for groceries in a supermarket. I want to highlight another important thing. The coronavirus has not killed the will of people to pay in terminals. Even in 2020, we saw stable growth in turnover. A wide array of marketing tools stimulated this demand. In general, the situation is the following: when people stay at home, they play games. But they are used to top up their accounts in the terminal located in the nearest grocery store. They do not want to enter all the card credentials in the browser.

If we talk about development, there are several amazing projects here. For example, the iBox terminal network was the first to install NFC readers on terminals. By using this advanced system, the client does not need to enter 16 digits of the bank card to top it up. They can just approach the card to the reader. In addition, Sistema terminals allow using the DIYA verification app to make payments of more than 4999 UAH.

Can terminals compete with online payments? If yes, in which segments?

They do not have to, because they develop in the same direction. One of the most popular services in payment terminals is the ability to top your bank card up. In fact, the terminal has become a mediator allowing people to move from cash to non-cash economy.

A payment terminal is one of the many popular payment methods for goods and services. Local companies worked, work, and will work with terminals because the business needs to have direct access to the customers.

What is the role of mobile money in the Ukrainian reality? Is it really popular among the people? When do they use it?

This is a convenient non-bank payment alternative. The “mobile money” payment method is the evolution of payments using SMS commands, which has existed in Ukraine for almost 20 years. Now the mobile balance payment buttons appear in the payment forms of websites and apps along with the bank card payment options.

In general, the prevalence of mobile money depends on the category. For example, in the field of online games, the share of payments with mobile money ranges from 5 to 30%, depending on the service. Operators are investing resources in the development of their “payment buttons”, thus exploring new niches. For example, LeoGaming together with the three operators launched parking payment via SMS commands in Kharkiv. During the first days, the demand exceeded all our expectations.

What are the most prospective areas for mobile money? Can you give us examples where mobile money will be useful to the average consumer?

The main advantage is the simplicity and clarity of this tool for its target audience, i.e., people aged from 35 to 55 years. They use the same way of payment for many years in a row. In addition, they are also active users of terminals. The payment takes place immediately, while the person just needs to confirm it with an SMS code. In addition, there is a large segment of people in Ukraine who do not have a bank card. For them, paying with mobile money is a good solution to substitute bank cards.

More than $210 billion is spent on restoration services in the U.S. annually, cleaning, disinfecting and sanitizing offices, homes and public places damaged by floods, fires, crime scenes and other catastrophic events. With their extensive experience, restoration professionals are now stepping up to address the coronavirus pandemic as more people see the value of cleaning, sanitizing and disinfecting surfaces and the air. But most chemicals used by restoration contractors are expensive toxic, damaging to surfaces, and not entirely effective. The restoration industry has a unique opportunity to provide high quality cleaning and decontamination services at a lower cost to a broader range of customers using equipment they already own, by joining forces with the NeoSan Labs family of products.

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Used globally for many years within the government sector, NeoSan Labs disinfectants and cleaners have earned a reputation as the “Rolls-Royce” of decontamination. The 04 Restoration has the highest kill rate in the industry at 99.99999% and is effective within minutes to eradicate biological agents including mold and mold spores. It even creates an antimicrobial layer that resists the recurrence of toxic problems. The 02 Air Detox sterilizes and purifies the air and counters airborne chemical toxins and VOCs. The 03 Carpet destroys stains and odors at the molecular level, cleaning, deodorizing, detoxifying, and sterilizing with no chemical residues or previous shampoo byproducts left behind.

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Choose the right taxation services provider and you’re sure to reap the benefits. From ensuring that you keep on track with all your tax liabilities, to saving you money, taxation services are vital for any efficient business. To ensure that the tax advisory services you choose is the right one for your particular business and your own personal requirements, here are some questions that you should be asking, to determine if a particular taxation services company is the right fit for you

What is your availability?

Will the company be available when you want to talk to them? You may only want periodic correspondence, but what if your line of business brings with it frequent tax queries that you want someone to deal with right away? Also ask about office closures during holidays. Will there always be someone available to contact or will there be periods of complete radio silence? Only you know what level of communication you’ll need, so ask the right questions to ensure you’ll always have someone at the end of the phone line or replying to your emails when you need them.

What types of client have you experience of working with?

Some companies may specialise in certain types of businesses, while others will have a more broad approach and offer services to businesses of all kinds. It’s wise to check, as if a company specialises in one particular industry, such as retail and your business is in something entirely different such as real estate, then you may find you’re not getting the same high level of service as those clients within the niche market.

Whom will I be dealing with?

Ask about the person who you will be dealing with. Some companies may outsource to a third party, others may have a pool of advisors, all dealing with the same clients, while others may have a dedicated advisor for each client to contact. You may prefer the personal service of having one named contact who fully understands your business and its requirements. If so, make sure this is what you get.

Can you deal with my multiple companies?

The more complicated your business, the more time you need to spend ensuring your taxation services provider is suited to your needs. If you have several businesses, spanning different sectors, perhaps located in different countries, then your advisor needs to be capable of dealing with this extra level of complication, including the transfer of money between equities.

Will you proactively make suggestions that will benefit me?

Do you simply want your provider to ensure your taxes are completed efficiently, fully and submitted on time, or do you want more? Do you want a provider who will research local and global tax rules and regulations, seeking out ways in which you can save more money? Only by asking the right questions will you get the taxation services provider that is best suited for your business.

A Limited Liability Company (abbreviated LLC), therefore a Limited Liability Company, is nothing more than a hybrid company form, which gives us the advantages of a Company, a Corporation, or a limited liability.

Limited liability implies that all shareholders are liable for all debts that the company incurs. In most cases, an LLC is formed where two or more people form a partnership. That is to say; they manage to run the business as co-owners.

How to create a limited liability company

The steps are simple and hassle-free. Keep in mind that top LLC companies consultations are key while doing the entire registration process.

Choose a Business Name

First of all, you need to search by name. The reason is that your LLC name shouldn’t be similar to that of an existing business. It is prudent to use a name that is simple and unique.

And not only that.

Use a name that gives an idea of ​​what your business does. Another thing to note is that your business name should end with an “LLC” descriptor. The name must end with an acronym that suggests the business is a limited liability company. Most jurisdictions restrict companies from using names that suggest the company is a government entity. Also, words like Bank, City, and Insurance are prohibited by the laws of various territories.

Filing of articles of the organization

The articles of organization are more or less the same as in the Statute. The following is the payment of a filing fee to the relevant authorities in your state. Organization articles contain all important information about the LLC.

Draw up an LLC operating agreement

This legal document creates the parameters that will govern the LLC. It works to meet the needs similar to those of the articles of incorporation that govern a company.

Day by day there are multiple people are started to utilize the best LLC formation service because it is the perfect way to launch your business. Some people are started their business without the guidance of LLC service and surely it will lead to high risk so don’t miss this amazing one for any cause. You will also recommend this amazing LLC service to those who going to start their new business and it will be more helpful for them.

Reason for its uniqueness 

Still, there are no poor reviews are appear on this LLC service ad it denotes the value of it. Every business people should try to utilize this service to lead their business in a successive way and surely you will not disappoint with this service. The best LLC formation service will be the perfect base for your business and surely you will get an excellent result from it.

Some people assume that this kind of service will be more costly but it is not like that because it is one of the trusted services forever. Most of the people don’t know how to lead their business in a successive way but you no need to bother about it because this will be more supportive of everyone. Multiple people are started to utilize this LLC formation service and surely you will admire the value of it.

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Because of its excellent result, this becomes the valuable one that’s why every beginner is wishing to implement it in their business. There is no one who can underestimate the value of this LLC formation service because it is a valuable one forever. These are all the advantages you will have this unique service so to suggest this amazing one to those who are in need of it.

Many people across the globe earn their living by driving. Many professional drivers use their vehicles to pick and drop passengers. Companies like Uber allows drivers to use their car to pursue their profession as a personal driver. The profession allows you to earn a flexible income and be your boss. Many people think driving for Uber is an easy task, but the reality is different. Uber is a popular ride referral service and they have more than 40 million active monthly riders. It is an alternative to traditional taxi service and Uber is providing services in 75 other countries. Fifty thousand new drivers sign up with Uber every month and they meet the increasing demand for rides.

First, let us have a look at why uber the referral ride service well-favored.

  • Enjoy the ride using an app – The service can be enjoyed by those people who own a Smartphone. You need to install the Uber app on your Android, iOS, or Windows phone. Create an account on Uber and when you need a ride book using the app. The GPs will let Uber map your location and the driver will pick you up from your location. You will be dropped to your destination on time.
  • Know your ride in advance – if there is an Uber driver nearby your location, the app will inform you of the cost of the ride, the type of vehicle, and who the driver is, and how long you have to wait for the cab. When the cab arrives, you will be intimated by sending a message.
  • Give Feedback – Uber incentive system provides the incentive to the drivers for their drivers. Passengers if satisfied with the ride and behaviour of the driver, need to rate them on a scale from 1 to 5. Passengers before hiring a trip can even check the rating of a driver. Drivers are rated based on politeness, safety, cleanliness, and a comfortable ride.

6 Tips to become a successful uber driver

1. Do you meet the requirements for Uber driver

  • You need to be 21 years of age older
  • You must hold a valid driving license
  • You need to have at least 1 year of driving experience
  • You must have valid insurance to meet the liability requirement
  • You need to show proof of residency
  • Provide proof of insurance and car registration
  • You must have a car that meets certain uber requirement such as the age of the car, the size of the car, and condition
  • You need to meet state and local requirements
  • You must pass a background and criminal check

2. Choose the type of Uber service you will provide

There are five common types of Uber services and each one should use a particular style of vehicle.

  • UberX – It is the lower cost Uber ride and needs to have a four-door sedan vehicle in good condition and which can seat at least four passengers.
  • UberXL – It is a lower-cost ride and need to have a new SUV or minivan with no damage and can hold at least 6 passengers.
  • UberSelect – It is an expensive option for upscale rides. The vehicle must be a new entry-level luxury car that can accommodate at least four passengers.
  • UberBlack – It is a luxury alternative to UberX. The vehicle must be a high-end luxury car with a black interior and exterior.
  • UberSUV – The vehicle must be a new luxury SUV in excellent condition and can seat 6 passengers.

3. How to get the right car

What if you don’t have the right vehicle that needs to meet the requirement for Uber service you would like to provide. If you are planning to buy a new vehicle, Uber offers discounts at local auto dealers. You may also consider renting or leasing vehicles that can meet Uber’s requirements. Initially, you may try working as a Uber driver and see how well you can perform your job and how much you can earn before you commit to purchasing a dedicated vehicle. You can also consider buying a used vehicle that qualifies.

4. Know the best hours

Many Uber drivers work during the peak hours to earn maximum. The peak hour is the time during which a great number of riders will be using the Uber app to request rides. The peak hours are as follows:

  • Morning rush hours – 7 am to 9 am Monday to Friday
  • Evening rush hours – 4 pm to 7 pm Monday to Friday
  • Friday and Saturday evening – 8 pm to 3 am

In your city, the peak hour may occur at different times. There are specialized rides available such as the airport to the hotel. To know the precise peak hours in your city, you can search online or talk to local drivers.

5. How much you can earn as a driver

The average you can earn depends on driving during peak hours. It depends on the city as well. Expenses can be 20-30% of your earning, so you need to keep track of them. You need to pay income tax and self-employment tax. Most of these expenses should be tax-deductible. Uber sometimes offers a cash bonus when you apply to be a driver. To maximize your earning drive a cost-effective car. Drive a hybrid vehicle to save money on gas. Familiar yourself with various earning options.

6. Manage your business

You must correctly manage your earning and expenses. Remain updated with the latest news in your profession. Consider a guaranteed pay option. You need to track your working hour, earning, and expenses. Certainly, you need to be a friendly, courteous, helpful, and outgoing person making a stranger feel comfy in your car. To boost your earning, remember to keep your car clean and use a reliable GPS.

In certain states, Uber offers a flexible way to earn money. As a driver, you have to decide how many hours you will drive. You may choose the profession part-time of full-time. You can visit our website and browse more resumes.

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Many times people are faced with situations which go out of control and out of their hands and they become victims of a dangerous situation or plot and hence they cannot help but seek help and assistance from the legal service providers. People do not get caught in such situations and without the right legal services that promptly attend to their rights and check that their human rights are not breached. In such cases it would be prudent to take the assistance from well known lawyers who have reputation in the field and to fill the place it would be apt to get the legal advice from best criminal lawyer if you belong in the Singapore region.

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Long gone are those days when buying a car was an absolute necessity. These days, you need not have to own a car to ride to different places whenever you wish to. In our article, you are going to talk about all the things that you need to know about the Lyft app. By the end of this article, you will get to know how Lyft has changed our lives for the better. You will also get to know how to make money as a lyft driver.

What is Lyft?

Lyft is nothing but an app by means of which you will be able to call a driver and a car to the desired location. It is one of the most popular ride-hailing services available to us. As soon as you request a ride, the driver who is nearest to you will arrive at your location and will drive you to your destination in the most hassle-free way. Even before you begin your journey, you will be given an estimated time for your journey based on which you may either accept or decline the ride. Once you download the app, you will be asked to give all your payment details so that you need not have to worry about payments during your journey.

How do I get the Lyft app?


You will easily be able to download the Lyft app from PlayStore. After the app is installed on your mobile phone, you will have to insert your personal information like email address and password. You will also have to choose your preferred payment methods like debit card or credit card. Lyft also supports Paypal and Apple Pay. Lyft has a location tracking feature to track your exact pickup location.

What are the various features of Lyft?

Lyft and Uber have always been close competitors. However, these two apps do not operate in the exact same way. Lyft has several extraordinary features which make it the most popular choice among the customers. You will be able to request a ride for your friend or relative. In that case, you need not have to give your location. Instead, you will have to give the pickup location of your friend. Once your ride has been accepted, you can contact your driver and tell him that he will have to pick your friend instead of you. You will also be able to book your ride in advance. However, that feature is presently available for selected locations only. You will be able to offer different types of ride tiers for yourself. You will also get to know the estimated cost of your ride before requesting your Lyft.

Does Lyft have different car options to choose from?

Lyft offers to you both budget-friendly as well as high-end rides. We have listed the four different tiers of car that you can choose from:

  • Line: Line is the cheapest option available to you. You will be able to share your ride with some other passenger who is going in the same direction as you are.
  • Lyft: Lyft is the standard option available to you. Here, you will be able to book a right for yourself and 3 other people at the max.
  • Plus: Plus is especially useful if you have a bigger group of people. You will be provided with a 6-seater car.
  • Premium: Premium is perfect if you wish to ride in a more stylish way. You will be provided with a four-seater luxury car for your journey.

How do you make money as a Lyft driver?

If you are looking forward to earning a few extra bucks for yourself, then here are some really useful tips for you which will help you to make a lot of money as a Lyft driver:

  • Try to drive during the peak hours of the day. In this way, you will be able to charge more money from your customers.
  • Target the busiest places in your area so that you get a lot of customers and you need not have to sit idle even for an hour.
  • Offer referral codes and discounts to your customers. This will encourage your customers to refer you to their friends and relatives.
  • Also, you must always keep your car neat and tidy. This might help you to earn some tips.

To end with:

So, this was all you need to know about Lyft. Other than Lyft, various other ride-sharing apps are also available. You will get a lot of blogs on the Internet about these apps. You must make it a point to visit these ride sharing blogs before choosing your ride.


The essential skills needed for life are called life skills. In other terms, a set of skills obtained either by learning or by life experience that helps them or their surroundings to solve problems and issues that happen in their day to day life are also called life skills. It also teaches creative thinking, effective communication, positive thoughts, responsibilities, decision-making, maintaining good relationships, and creating a healthy lifestyle. Some of them concentrate on anti-social behavior, crimes, and negative impacts. Since it has more moral values many organizations are doing life skills training for youth programs for many childhoods and adolescents.

The essential skills that are needed

There are wide varieties of life skills needed for children such as, focusing and self-control in which will help the children to focus on their goals without distractions. Setting the aim is an important skill it helps to find their need by prioritizing them like getting to know about their need and what they want to be in the future. The most important skill is communication. Youths need to know how to communicate with others better listening and communicating softly will lead the situation. Behavioral skill shows the individual characteristics, they need to learn the moral manners for example speaking politely, accepting their mistakes, and apologizing.

Significant life skill sets

Some more life skills are interpersonal, decision-making and problem-solving, self-awareness, emotional intelligence, time management, domestic skills, organizational skills, and the most important skill financial planning or budgeting. You need to teach about financial planning like what to spend, where to spend, and is that necessary, self-analyzing during the budget plan will improve the overall skills. Educational is very much needed for the present digital world and at least basic education should be provided to all.

Why do youths need basic life skill

Based on the situation and environment everyone needs the skill training whether it is in rural or urban places. In rural area peoples every day facing some troubles including for their survival need, by the life skill they can also reduce poverty and increase their life improvements with developing socio-economic status. In urban areas increase in modern life, many teenagers are facing problems like behavioral attitudes, frustration, stress, getting feared of negative situations, and for the reasons they also need skill development training. Training of children and youth will lead the world to a happier place.

Formulating the program

Initially, life skill training is developed based on the needs in the area. Then identifying the objectives and creating a strategy for the development program is done. Then designing the program materials and getting it done by preparing the skill trainers. Implementing the program and making the update is needed. Finally maintaining the life skill program is done. Whether life is hard is smooth, we need to get prepared for every situation and we must not be fed up by any unexpected negative situations. That’s why everyone needs to be learned with life skills. Many organizations, NGOs, and agencies are creating and conducting life skills training for youth programs.