Libra Networks recruits former HSBC chief Emmett


Libra Networks recruits former HSBC chief Emmett

Former HSBC Europe CEO James Emmett has been recruited by Facebook's cryptocurrency project to act as managing director of Libra Networks.

HSBC CFO: This Is the Right Plan for the Bank

Feb.18 — Ewen Stevenson, chief financial officer at HSBC Holdings Plc, discusses the cost-cutting measures, the strategy for Asia, coronavirus and stepping back from the share buyback. He speaks on “Bloomberg Daybreak: Europe.”

HSBC CFO: We Are Big China Bulls

Ewen Stevenson, chief financial officer at HSBC Holdings PLC, discusses first quarter earnings, the business in China and China’s real estate sector. He speaks on “Bloomberg Daybreak: Middle East.”

HSBC Makes Sweeping Overhaul to Bank’s Senior Management

Dec.09 — HSBC Holdings PLC’s Samir Assaf will be replaced as head of the global banking and markets division as interim Chief Executive Officer Noel Quinn overhauls the bank’s senior management team. Bloomberg’s Sonali Basak reports on “Bloomberg Daybreak: Americas.”

HSBC rejects Ping An break-up call

HSBC pushed back on a proposal by top shareholder Ping An Insurance of China to split the lender while posting profits that beat expectations and promising chunkier dividends.

#News #Reuters #hsbc #earnings


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Libra Association names Credit Suisse `s Bhavsar general counsel for payments unit


Libra Association names Credit Suisse's Bhavsar general counsel for payments unit

The Libra Association continues to staff up, adding industry veteran Saumya Bhavsar as general counsel of its payment subsidiary.


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Libra Spirit Messages Tarot Reading December 2022 �� #libratarot #truthwelltoldtarot #spiritmessages #tarotreading #december

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Leak shows Credit Suisse has handled dirty money for decades | DW News

Credit Suisse is facing allegations that it has been handling dirty money for decades. An investigation led by German daily the Süddeutsche Zeitung has revealed that Switzerland’s second-biggest lender knowingly managed hundreds of millions of dollars for suspected war criminals, corrupt autocrats and drug dealers. That’s according to an investigation by a consortium of over 40 media organizations worldwide. The Swiss bank says it rejects the insinuations about its purported practices.


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LIBRA!… December 2022 Love reading… It’ll be clear soon give it a min!

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Klarna hits 500,000 consumer milestone in Ireland


Klarna hits 500,000 consumer milestone in Ireland

Six months on from its launch in Ireland, Klarna has reached the milestone of 500,000 total consumers for its buy now, pay later product.

Smoooth Stores UK 2019

Klarna UK are on a mission to find the next big player in retail. We are looking for the next Nike, the future Finery, and the wannabe West Elm.
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Klarna: Swedish Coffee

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Get what you love with Klarna

2020 is a leap year and traditionally the time when women are ’allowed’ to propose to men. We give the finger to this tradition. Get who, or what you love.

#getwhatyoulove #Klarna #SmooothShopping

Klarna – Smoooth Shopping.
We make shopping smoooth. Shop now and pay later everywhere in 4 interest-free installments. A better way to discover, browse, share and shop the stuff you love. Get the app here:

Klarna Review (2022) – Goods and Bads of Klarna

Klarna is a great buy now, pay later app, and like other apps, it has pros and cons.

The video takes a ride and covers the Klarna review. The Klarna app is good, but it must be used carefully because ordering expensive products will make it difficult to repay.

0:00 Intro
0:14 Klarna Pros
1:41 Klarna Cons
3:29 End Screen

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UK `s bank branch sharing project to be extended


UK's bank branch sharing project to be extended

A trial project involving bank branches shared by multiple institutions is set to be rolled out across the UK.

Woman Doesn’t Use Toilet Paper To Save Money | Extreme Cheapskates

Kate Hashimoto is determined to save herself as much money as possible. She dumpster dives for her food and furniture, washes her clothes in the shower, and doesn’t use toilet paper when she goes to the bathroom!

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FREIGHT BROKER RADIO – Freight Broker & Freight Agent Training – Transportation Logistics

If you would like your podcast, interviews, etc featured on FREIGHT BROKER RADIO please drop your link in the comments or DM – ** please note, we only allow content that provides educational value within the freight broker, freight agent and transportation logistics field

Freight Skills &list=PLkG9_whIZC3WjgT7SotNJg5n1i50usnQH &index=11
LTL Freight Explained | What is it and how does it move?

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Factoring Co CEO Gives Masterclass For Freight Brokers / Truck Drivers

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How Much Can You Make As A Freight Broker or Freight Broker Agent? [2022]

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Seriously Insane Stunts That People Sadly Didn’t Survive

Professional daredevils have all kinds of reasons for performing insane stunts. Maybe they just like the thrill of danger, maybe they feel like they have something to prove to the world, or maybe they just want to prove something to themselves. Regardless, some daredevils have taken it too far and attempted stunts that sadly ended in their deaths. They may have even taken every necessary safety precaution, but something they couldn’t have predicted caused it to go wrong. From the “MythBusters” star who tried to break a world record to the only fatality in X Games history, let’s take a look at some seriously insane stunts that people sadly didn’t survive.

#Stunts #Dangerous #Daredevil

Mike Hughes’ Rocket | 0:00
Jessi Combs broke records | 1:44
Caleb Moore’s X Games stunt | 2:39
Uli Emanuele’s base jump | 3:48
Angela Madsen’s fatal row | 4:46

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In full: Chair of OBR gives evidence to Treasury Committee

The Chair of the Office for Budget Responsibility is giving evidence to the Treasury Committee, days after Chancellor Jeremy Hunt delivered the autumn statement.

#SkyNews #OBR #TreasuryCommittee

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Klarna lands in Ireland


Klarna lands in Ireland

Swedish BNPL giant Klarna has officially launched its app in Ireland, enabling online shoppers to split their purchases into three interest-free equal payments.

Klarna Drops By – Olof Elgiganten Special

In the series “Klarna Drops By” we visit famous Scandinavians who give us an exclusive tour of their homes. In this episode we dropped by esport pro Olof “Olofmeister” Kajbjer.

In this special episode, we join Olofmeister as he goes shopping for new gaming gear at Elgiganten.

Love what you see?
Use the Klarna App to find Olof’s collections where you can buy Olof’s gaming gear and much more from his home.

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The theme song for Klarna Drops By is called “FEELINS by Fasion”.
This video was edited and filmed by Achieved Media together with Klarna.

This video contains paid promotion.

Buy Now Pay Later – The SCARY Truth

In this video, we go over the truth about Buy Now Pay Later and everything you need to know about point of sale loans. Different Buy Now Pay Later apps and Buy Now Pay Later websites like Klarna, Afterpay, and Affirm have made it very easy to spend more money on both things that you may want and need; so it’s important to understand BNPL and how it can affect your financial health.

Here we’ll talk about what Buy Now Pay Later is, why I think you should avoid using payment options at checkout like Klarna, Afterpay, and Affirm, a similar alternative that is MUCH better, and other important things like that.

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How to accept Klarna Payments

Klarna is not the easiest payment method to get and once you have it the Payouts are after 14 days. But wait we would not make this video if we didn’t have a solution! At Ecomstair we provide verified European Shopify stores that can accept:

-Klarna (for the whole EU)
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Tech stock carnage hits Klarna valuation


Tech stock carnage hits Klarna valuation

Turmoil in tech stocks appears to be spilling over to the fintech market, with reports that BNPL giant Klarna is looking to raisee fresh funds at a 30% discount to its previously sky-high $46 billion valuation.

Inflation will moderate and you will see winners in big tech, says Evercore’s Mark Mahaney

Mark Mahaney, Evercore ISI senior managing director, joins ‘The Exchange’ to discuss long-term opportunities in technology stocks and more. For access to live and exclusive video from CNBC subscribe to CNBC PRO:

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Why a 2022 Recession Would Be Unlike Any Other | WSJ

Is the U.S. in a recession? Many economists think that’s a possibility and by some measurements, it may have already started. But why aren’t people losing their jobs?

Recessions usually come with a dip in economic output and a rise in unemployment. Right now, economic output is falling. But so is unemployment. WSJ’s Jon Hilsenrath has coined it a “jobful downturn.” We look at past recessions and indicators to explain how a recession in 2020 could be very different.

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#Recession #Economy #WSJ

Klarna CEO on $1 billion funding round, bringing start-up to $31 billion valuation

Klarna co-founder and CEO Sebastian Siemiatkowski, joins “Squawk Alley” to discuss the company’s new funding and outlook. For access to live and exclusive video from CNBC subscribe to CNBC PRO:

The boss of European fintech giant Klarna says he’s “deeply worried” about posts promoting bitcoin on Twitter and thinks regulators should act to protect people from potential losses.

Sebastian Siemiatkowski told CNBC that, though he thinks bitcoin could be an “interesting technology,” he fears retail investors may get drawn in by tweets urging people to buy the cryptocurrency without thinking about the risks involved.

“If I go on Twitter and search for bitcoin, I can see people writing: ‘Buy now or you’re going to miss the biggest opportunity of your life,’” Siemiatkowski said in an interview Wednesday.

“If I would take Klarna stock and advertise it with similar writing I would get a fine or I would even be put to jail,” he added. “I am very surprised why regulators aren’t chasing these elements.”

Bitcoin has been on a wild ride lately. It’s surged more than 400% in the last 12 months, with backers pointing to increased demand from institutional buyers. Bitcoin’s climb has reminded some market watchers of its monster rally in 2017, which took the digital coin close to $20,000 only to shed 80% of its value the subsequent year.

Crypto bulls say things are different this time, with mainstream investors and large corporates like Tesla now buying into bitcoin. Tesla CEO Elon Musk recently came out as a believer in bitcoin last month, briefly adding the hashtag #bitcoin to his Twitter bio — a move that led to a 20% spike in the cryptocurrency’s price — and calling it a “good thing” in a discussion on the buzzy audio chat app Clubhouse.

Musk has also tweeted several times about dogecoin, a meme-inspired token that started out as a joke. His tweets have caused concern for some investors, who worry people will lose substantial amounts of cash from speculative trading.

“It’s great that we can introduce new financial products and so forth,” Siemiatkowski said. “But they need to follow the standard regulations that we put in place and somebody needs to police that to make sure those are being met because otherwise what we will have is a lot of consumers losing a lot of money. And that’s just unfortunately what is happening.”

Siemiatkowski’s firm has itself faced calls for regulation, with the U.K. government announcing plans to toughen up on “buy now, pay later” (BNPL) services that let shoppers space out their purchases over a period of interest-free instalments. Klarna, a regulated bank based in Sweden, is one of the largest providers in the space. Others include Afterpay in Australia and Affirm in the United States.

BNPL plans are touted as an alternative to credit cards. But consumer advocacy groups like Which? warn they often entice people — particularly young people — to spend more than they can afford.

Klarna, which has raised a total of $2.1 billion in funding to date and was last privately valued at $10.6 billion, said it welcomed the move toward regulation. However, Siemiatkowski warned authorities to avoid making “prescriptive regulation” that could harm innovation.

“If they want to regulate ‘buy now, pay later,’ don’t tell us exactly how to do underwriting,” he said Wednesday. “Tell us what the maximum losses are or how our losses should benchmark versus credit cards and other products in the market and then let innovation drive so we can create great experiences.”

Klarna is close to finalizing a deal to raise fresh funds ahead of a potential stock market debut, sources familiar with the matter told CNBC. The sources preferred to remain anonymous as the details haven’t yet been made public. According to a Bloomberg report, the round could value the firm at $31 billion. Klarna declined to comment when contacted by CNBC.

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Klarna CEO on Future of Buy Now, Pay Later

Klarna CEO Sebastian Siemiatkowski joins Emily Chang to talk about Apple embracing Buy Now, Pay Later and how to build trust with consumers, and how interest-free BNPL can be a help to consumers in times of rising inflation.

Klarna to lay off 10% of staff amid market downturn


Klarna to lay off 10% of staff amid market downturn

Klarna is set to fire 10% of its employees amid a valuation crunch at the buy now, pay later giant.

Peloton Employees Find Silver Lining In Mass Layoffs

One of the most successful at-home fitness companies recently removed its CEO and fired nearly 3,000 employees. Since Peloton’s announcement, many former workers are on track to find other jobs; CBS2’s Jessica Moore reports.

Amazon Plans to Cut 10,000 Jobs Inc. plans to cut about 10,000 jobs, the largest ever headcount reduction at the e-commerce giant as it braces for slower growth and a possible recession. The layoffs are said to target the devices group, retail divisions and human resources, according to people familiar with the matter. Bloomberg’s Abigail Doolittle reports.

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Will Klarna Survive the BNPL Industry Downfall? | All About Payments

After a $40.23 billion market cap vanished from the Australian BNPL market in just over 12 months, Industry leaders are claiming that the BNPL business model is completely broken…

In this episode, we cover the Good, the Bad, & the Ugly:
�� Klarna Reaches Milestone of 150 Million Active Users
�� BNPL Industry Red Flags
⚠️ Layoffs Across the Tech Industry

Is there more bad news to come for the BNPL industry, or will there be a strong re-emergence? Let us know in the comments below.

#BNPL #Klarna #Tech

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Carvana lays off 12% of workforce, many over Zoom

Carvana announced it will be laying off 2,500 employees, a full 12% of the company’s workforce. Many of the employees learned they were being laid off during a Zoom meeting Tuesday.

Klarna launches open banking business unit


Klarna launches open banking business unit

Buy now, pay later giant Klarna has set up an open banking sub-brand and business unit, helping firms connect to its network of thousands of banks across Europe and the US.

Open banking: The future of open banking – what do you need to know?

It is clear the banking landscape is changing. Explore what open banking means and the impact it could have on the market. Find out more in our report at You can also discover further analysis on open banking and the future of banking generally at

FULL LAUNCH VIDEO: CommBank launches major 4.0 upgrade to its banking app

Australia’s No.1 Bank, the Commonwealth Bank, has unveiled the latest version of what it says is “Australia’s number one banking app”, CommBank app 4.0, with major and very useful upgrades.

Which bank has unveiled the latest version of Australia’s number one banking app? The Commonwealth Bank, of course, with the new CommBank app 4.0, along with record breaking digital banking transaction and customer numbers, and a new KMPG report – The Future of Digital Banking, revealing the emerging banking-tech trends for 2030.

CommBank reminds us that it first launched its app in 2013, with its latest version offering “greater personalisation, tailored specifically to the individual needs of each customer, with personal cash flow management and smart alerts all aimed at keeping more money in customers’ wallets – including Smart Alerts, Benefit Finder, Goal Tracker, Cash Flow View and Spend Tracker”.

Angus Sullivan, Group Executive of Retail Banking Services, Commonwealth Bank, said CommBank app 4.0 “is simple, smart and secure, created with a combination of cutting edge machine learning technology, deep data analytics and behavioural science, delivering highly personalised, smart banking features”.

{loadposition alex08}Sullivan added: “The CommBank app has been helping our customers manage their finances for close to a decade. We’re now approaching the 2020s with the most individually tailored and sophisticated adaptation of digital banking in Australia.

“This year the CommBank app will send over 3 billion personalised messages to customers using 157 billion data points and 200 advanced machine learning models through our innovative customer engagement engine.

“This is designed to give our 5.6 million app users greater control and visibility of their cash flow, including real-time insights into their spending behaviour, to help them achieve their goals and improve their financial wellbeing,” said Sullivan.

How To Get 100 Recruitment Clients In 30 Days

In this video I run down the most effective and cost effective way of winning new business in your recruitment agency. It works by finding leads, either yourself or outsourcing the lead sourcing to a freelancer. You can use this method over time to build an automated funnel that just feeds clients into your business on auto pilot

Email templates:

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M2020, Klarna Kosma with OBE_Value add

Klarna Kosma is one of the most scalable and proven open banking providers in the world. We provide the connections to 15000 banks, so you can focus on your innovative end-user solutions.

Open Banking Excellence (OBE) on Tour at M2020. Content made with our community. Capturing the moment for you. Authoritative conversations from industry leaders. Relive and enjoy!

Stay connected with the community:
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What is Open Banking Excellence (OBE)?
Open Banking Excellence (OBE) is the world’s leading community of Open Banking and Open Finance pioneers. It’s an industry ‘campfire’ that brings together FinTechs, banks, industry participants, regulators, BigTech companies and legal advisers to learn, share stories, spark debate and collaborate.

Klarna launches one-stop shopping app globally


Klarna launches one-stop shopping app globally

Klarna is to roll out its in-app shopping feature globally, enabling users to to pay in three monthly instalment for purchases at any online retailer, regardless of whether they’re partnered with the BNPL giant or not

Swedish Singing

There was once a group of small Swedish puppets who traveled the countryside singing about an online shopping app, Klarna. Then they got signed by a major label and became real showboats about it. Now they’re touring North America … venues and dates TBD. In the meantime, download the Klarna app. Klarna. Swedish for smooother shopping.

Download the Klarna app today:

How to use Klarna: Tutorial 2022 | Step by step | Beginner friendly

Todays video involves a Klarna tutorial 2022 step by step. I explain what exactly is Klarna and how Klarna works. I also show the features that Klarna has to offer and how to navigate through the app. I also give my recommendation of how to safely use Klarna. This video just provides the basics of Klarna. As this app continues to evolve I will make updated videos!

//Klarna sign up
Want a $20 Amazon gift card for signing up with Klarna and making your first payment ? use my invite link so I can get one too friend! I love me some Amazon lol:

//Why I use Klarna
I like nice things but don’t like the nice price tag that comes along with those items! Klarna helps me in being able to get those nice items in a budget friendly way! I love the buy now pay later method it has truly changed my life because things are too expensive out here.

I also like that I can shop normally and Klarna will divide that purchase into four payments and I would just pay it off every two weeks plus I get the item right then and there with no strings attached!

#Klarna #klarnainstore

//About me:
Name: Aliyah
Age: 25
Zodiac Sign: Libra is my sun with Taurus rising and my moon is in Aquarius

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The all-in-one Shopping app arrives in the UK

Buy Now, Pay Later: Echoes of the 2008 Recession

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Purchase shares in masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more. How Masterworks works:
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Affirm, Klarna, and Afterpay – in just 5 years, these 3 companies have popularized a new form of consumer spending called Buy Now Pay Later. BNPL is a type of short-term unsecured personal loan where instead of paying the full price upfront at checkout, you can defer the cost of any item by splitting the payment into smaller installments over time. If you want to spread payments out over a longer period of time to make the installments even smaller, you’ll have to pay interest. And if you miss a payment using BNPL, there are penalties with late fees, collections, and lowered credit score.

What Klarna, Affirm, and Afterpay have done is they’ve broadened the purpose of short-term unsecured personal loans from large one-time essentials into everyday, impulse, and splurge purchases. They’ve made it easy for anyone to borrow money, simplifying a historically opaque, time-consuming process of applications and manual underwriting into a scalable UX that provides instant credit in just a few taps. Most of all, there’s instant gratification. With Affirm, Klarna, or Afterpay, you get your order delivered right away on or before your first payment.

Putting aside fundamentals, BNPL itself is controversial. To critics and regulators around the world, it promotes irresponsible spending and enables overconsumption. In this episode, we’ll explore the business model of BNPL, its eerie similarities to the 2008 subprime mortgage crisis, and why that matters now more than ever in the coming recession.

�� Audio Editing & Mixing Credits: Sonalf

0:00 The Rise of Buy Now, Pay Later
6:01 Generational Tipping Point
11:58 House of Mirrors
19:32 Castles in the Sky
24:12 The BNPL Flywheel
30:43 Of Their Own Accord
36:47 Boiling Frogs

Lloyds to shut another 66 branches


Lloyds to shut another 66 branches

Lloyds Banking Group has identified another 66 branches for closure over the next few months.

Open Uk Bank Account Online Lloyds and Halifax|Without Visiting Branch | international Student|Free|

Welcome to ibrahim allahwala in this video I will show you how to open #uk #Bank #account Lloyds and Halifax bank account online #without visiting branch.

.Process of both banks are same :
.because the Halifax bank is the part of Lloyds Banking Group:

in Lloyds account name is Classic current account,
in Halifax account name is Simple current account,

Applied on :

. 6-October , Application submitted online
. 12-October, receive mail of 8 digit activation code for App activation.
. 12-October, receive mail of sort code & account number
. 13-October, receive letter of containing 8 digit app activation code.
. 17-October, receive debit card of #both banks

#BRP card is must required to open both of the account.

#Get Free debit card and Digital App of both Banks.

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Full list of 49 Lloyds and Halifax branches to shut down at a loss of 1230 jobs

Full list of 49 Lloyds and Halifax branches to shut down at a loss of 1230 jobs
Lloyds Banking Group has announced a fresh wave of closures as it continues to strip back its high street presence. The firm, which owns Halifax, Lloyds and Bank of Scotland is to shut 49 branches in addition to “painful” cuts in December. In the latest round of cuts, a total of 1230 roles will be placed at risk – however it said 925 new positions will be created as it continues to expand its ‘mobile branch’ network. These are smaller ‘micro’ walk-ins, that are staffed by just two people, and de…

Lloyds Banking Group – Festival of Apprenticeships Birmingham 2022

You might know us from the high street, or through our portfolio of well-known financial services brands. We’re focused on retail and commercial financial services, meeting the needs of families, businesses and communities across the UK.

We thrive based on how well we serve our customers, on our relationships within those communities, and on Helping Britain Recover.

Why Apprenticeships?

An apprenticeship with Lloyds Banking Group is a great opportunity for you to explore your interests, discover new ones and make an impact on millions of lives, all while getting paid.

Discover Your Passion

We offer a wide range of opportunities from financial services roles to digital & technology roles – regardless of the role that best fits for you, you will be stretched and challenged and have the platform to influence critical business decisions. Depending on your chosen role and apprenticeship, you could be working as part of a team helping our customers by developing new technologies or designing new products for Lloyds Banking Group. And of course, we’ll help you study for an industry recognised qualification during work time.

Opportunities From Day One

We’ll support your development and help you build your new career from day one. You’ll learn how to network across a national organisation, use different technologies to help millions of customers and join volunteering initiatives, as well as learn from experienced business leaders who’ll inspire you to develop as a person and a professional. Whether you’ve just left school, or need a career change, we want to hear from you.

What types of Apprenticeship Programmes Do You Offer?

We offer a wide range of apprenticeships from Level 2/Intermediate right up to degree level (Level 6/Higher).

Recorded at The Festival of Apprenticeships in Birmingham on 8th July 2022.

The Festival of Apprenticeships is a roadshow exhibition promoting and celebrating all things apprenticeships. More than just a careers fair or conference, the event is a one-stop shop for anyone looking to find out more about apprenticeships.

LIVE NEWS : Lloyds Bank to Cut 9,000 Jobs And Shut 200 Branches

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Lloyds Banking Group has confirmed 9,000 job losses and 200 branch closures as it moves to bolster its digital banking offering.
The bank – part-owned by the taxpayer – said the cuts would take place over the next three years as consumers’ habits continued to shift towards online banking services.
Lloyds said it would be investing in remote advice services for customers, who would be increasingly expected to use online banking or self-service facilities within branches instead of dealing with staff face to face.
Sources at the bank told Sky News it had previously shed 45,000 jobs since its bailout at the height of the banking crisis.
The news was contained in its latest results which showed a nine-month profit before tax of £1.61bn – 5% down on the same period last year.
Lloyds said the figure included an extra £900m provision for the costs associated with the payment protection insurance mis-selling scandal
Sky News reported on Monday night that Lloyds and other major banks were all planning to put aside extra funds, giving them a combined provision of more than £22bn.
Lloyds accounts for half the total.
Underlying profits for the business, which includes Halifax and Bank of Scotland, rose 41% to £2.2bn in the third quarter.
The job cuts announced by Lloyds represent around 10% of its current workforce of 88,000 and form part of its plans to “digitise” the bank.
Earlier this year, the British Bankers’ Association published research showing that UK-based customers conducted almost 40 million mobile and internet banking transactions each week in 2013, a huge increase on the previous year.
The branch closures will mainly affect urban areas where there are already high concentrations of Lloyds branches.
Chief executive Antonio Horta-Osorio said: “Over the last three years the successful delivery of our strategy has ensured that we have become a safe, highly efficient, UK-focused retail and commercial bank.
“The next phase of our strategy will use these strong foundations as a basis for meeting the rapidly-changing needs of our customers, and sets out how we will grow the business in a way that will deliver increasing and sustainable returns for our shareholders.”

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