FILE PHOTO: Signage is seen for the FCA (Financial Conduct Authority), the UK's financial regulatory body, at their head offices in London, Britain March 10, 2022. REUTERS/Toby Melville/File Photo -
Britain's banks and building societies should make sure customers can still access cash before closing a branch as more financial services move online, the country's markets regulator proposed on Thursday.
The Financial Conduct Authority (FCA) said it was using powers under a new financial services law approved earlier this year to require banks, such as Barclays, Lloyds, HSBC and NatWest to undertake "cash access assessments" when they are considering closing a branch.
Britain is also likely to issue a digital version of the pound in the second half of the decade, raising fears that cash will be even harder to use as some shops already insist on cards for payments.
"We know that, while there is an increasing shift to digital payments, over 3 million consumers still rely on cash – particularly people who may be vulnerable – as well as many small businesses," said Sheldon Mills, the FCA's executive director of consumers and competition.
"These proposals set out how banks and building societies will need to assess and plug gaps in local cash provision. This will help manage the pace of change and ensure that people can continue to access cash if they need it," Mills said.
In the first quarter of this year, 95.1 per cent of the UK population was within a mile of a free-to-use cash withdrawal point, the FCA said.
Separately, the British Retail Consortium (BRC) said on Thursday that last year cash was used for 19 per cent of purchases at its members, who are mostly large chains that account for just over a third of UK retail spending.
The proportion of cash transactions rose last year for the first time in a decade, after falling to a low of 15 per cent in 2021 when pandemic restrictions encouraging the use of contactless card payments were still in place, the BRC said.
The FCA said that existing law allowed retailers to decide whether to accept cash or not, and that it would finalise its new rules by the third quarter of 2024//CNA - VOI
A picture taken in southern Israel near the border with the Gaza Strip on Dec 7, 2023, shows smoke billowing during Israeli bombardment on Gaza, amid continuing battles between Israel and the militant group Hamas. (Photo: AFP/Menahem Kahana) -
Voinews, Jakarta - Israel battled Hamas militants in Gaza's biggest cities on Thursday (Dec 7) and said it had attacked dozens of targets, leaving Palestinians struggling to survive, a situation the United Nations described as "apocalyptic".
Gazans crammed into neighbouring Rafah on the border with Egypt on the basis of Israeli leaflets and messages saying that they would be safe in the city. But they remained fearful after an Israeli strike on a house there killed 15 on Wednesday, according to health officials in Rafah.
Israel said on Thursday it had killed a number of gunmen in southern Gaza's largest city, Khan Younis, including two militants who emerged firing from a tunnel, a day after Israeli troops entered the heart of the city. Hamas' armed wing, al-Qassam Brigades, said earlier that combat was fierce.
Palestinian health officials said an Israeli air strike had killed four people in a house in Nusseirat refugee camp in central Gaza Strip overnight and another strike killed two people in Khan Younis on Thursday morning.
Residents in Gaza City in the north reported all-night bombing and fierce gunbattles in Shejaia, east of the centre and the Jabalia refugee camp further north as well as bombing in another district, Sabra.
Israel said it had raided a Hamas compound in Jabalia, killing several gunmen and locating a network of tunnels, a training area and a weapons cache.
In Khan Younis, Israeli forces had encircled the house of Hamas leader Yahya Al-Sinwar, Prime Minister Benjamin Netanyahu said on Wednesday evening.
"His home may not be his castle, and he can escape, but it's only a matter of time before we get him," he said in a video statement.
Khan Younis residents said Israeli tanks had neared Sinwar's home but it was not known whether he was there. Israel has said it believes many Hamas leaders and fighters are holed up in underground tunnels.
Israeli warplanes also bombed targets across the densely populated coastal strip in one of the heaviest phases of the two-month-old war. WAFA, the official Palestinian news agency, said late on Wednesday at least 17 were killed in an Israeli airstrike on a house in Maghazi in Central Gaza.
Qatar-based Al Jazeera Media Network said an Israeli bombardment of Jabalia Camp in northern Gaza killed 22 relatives of its Gaza correspondent Moamen Al-Sharafi.
In Geneva, the UN human rights chief said the situation in Gaza was "apocalyptic" with the risk that serious rights violations were being committed by both sides.
Hundreds of thousands of people made homeless in north Gaza during the war were desperately seeking shelter in the few places in the south designated as safe by Israel.
The UN humanitarian office said on Wednesday that most of the homeless people in Rafah, about 13km south of Khan Younis, were sleeping rough due to a lack of tents although the UN had managed to distribute a few hundred.
While some aid had entered Gaza from Egypt through the Rafah crossing, the surge in hostilities since a week-long truce collapsed on Dec 1 was hindering its distribution, the UN report said//CNA-VOI
The library opening ceremony in Nganjuk, East Java -
Voinews, Jakarta - Welfare conditions due to poverty are a strong reason for the National Library to carry out a paradigm shift by launching the Social Inclusion Based Library Transformation (TPBIS) program since 2018. The social inclusion program provides opportunities for the community to develop their abilities through reading materials and assistance provided by the library.
"Social inclusion is an approach based on a social system approach or a humanistic approach," said National Library Main Librarian Sri Sumekar when attending the inauguration of public library service facilities with the Regional Secretary of Nganjuk Regency Nur Solekan, on Thursday (7/12/2023) .
The inclusive approach views libraries as a social sub-system in the social system. For this reason, libraries must be designed so that they have high useful value in society. Through an inclusive approach, public libraries are able to become an open space for the community to obtain solutions in an effort to improve quality of life and welfare. To date, 4,500 National Library partners have been registered in TPBIS management
"TPBIS involves 3,476,985 community members in library activities in 3,985 villages/sub-districts spread across 399 districts/cities," added Sri Sumekar.
According to a release received by Voice of Indonesia on Thursday, the positive impact of TPBIS is a decrease in the poor population in villages by 0.21% compared to data as of September 2022 (source BPS, 2023). And what is also proud of this program is that no less than 18 districts/cities and 1,125 villages/sub-districts have replicated the TPBIS program.
Simply put, the TPBIS program changes the library paradigm, which previously was only limited to services, now everything has moved towards transformation in improving social welfare.
"The world, through the international library organization, IFLA, appreciates the program created by Peprusnas and has become a model for other countries," said Sri.
Academic from IAI Diponegoro, Sophingi, added that literacy is indeed the key to human resource development. The presence of libraries cannot be underestimated in developing literacy in society. Therefore, libraries are expected to develop quickly to adapt to increasingly fast technology.
"In fact, there is one village in Nganjuk, namely Klagen Village, which has become a literacy field because a women's school has been established which is provided with teaching and assistance from the TPBIS program," said Sophingi.
Literacy activities in Nganjuk Regency can be said to be quite good, considering that the majority of local writers are students and school teachers. Students are required to write at least one written work per class, which is then collected in the form of an anthology.
"As a result, 50 books have been published by students in Kertosono, Nganjuk, which are equipped with ISBNs," said literacy activist Sigit Priyanto.
The construction of the Nganjuk Regency public library service building facilities cost IDR 9 billion, sourced from the 2022 APBN through special allocation funds (DAK). However, the Nganjuk Regional Secretary requested that in 2025 another budget be allocated to complete the library service building in the form of infrastructure.
“Good, services for people with disabilities are equipped. "But I hope that the digital space can also be filled next year," asked Solekan.
So far, strong efforts have been shown by the Nganjuk Regency Library and Archives Service, such as the Dongkel Beras service program (Traveling Fairy Tales with Children), mobile libraries, Martabak (Reading Various Stories with Children), Car Free Day library services, and e-book outreach via the e-pusda application//VOI
Talk on Increasing the Community Literacy Index (PILM) -
Voinews, Jakarta - A prosperous, prosperous and superior Golden Indonesia 2045 can only be achieved by encouraging literacy. When literacy has spread to various lines of knowledge, skills and attitudes as a literate human being will emerge.
"What is needed is to orchestrate brilliant ideas through collaborative programs so that the ideals of a Golden Indonesia can be realized," said Deputy Chancellor I of Universitas Prima Indonesia (UPI) Abdi Dharma, starting the talk on Increasing the Community Literacy Index (PILM), Monday (4/12 /2023).
The focus of Indonesia Emas 2045 lies in human resources and mastery of science and technology. Because this is one of the visions of Golden Indonesia 2045 echoed by Bappenas.
The existence of libraries as providers of information and knowledge plays a role in exploring regional potential through reading materials that are suitable for developing the quality of society. Not only serves as a repository. The library paradigm requires changes that make the library an open space.
"And the hope of a Golden Indonesia 2045 rests on the shoulders of today's students," said Head of the North Sumatra Province Library and Archives Service, Dwi Endah Purwanti.
In line with what Endah stated, Deputy for National Library Resource Development Adin Bondar also emphasized that the open space provided by the library is believed to improve the quality of abilities and life of the academic community. Everyone has the opportunity to access and create creativity from the knowledge they obtain.
“Economic poverty makes a person helpless because there is no good educational process to improve the quality of life. "That's why the library must be included," stressed Adin.
According to a release received by Voice of Indonesia on Monday (04/12/23), North Sumatra Province, as the region with the largest population in Sumatra, is also struggling to reduce stunting rates through massive literacy strengthening. The current need for reading materials has not yet reached ideal conditions compared to the population. In fact, the Pakpak Bharat and Simalungun areas still record illiteracy rates among elementary students.
It is hoped that the literacy promotion program, talk shows on the love of reading, access to digital books (e-books), reading carts, borrowing books through delivery applications, and the establishment of dozens of digital reading points (POCADI) can be a solution to literacy problems in society.
In the midst of conditions where technology 4.0 is still in progress, the world community is already faced with industry 5.0 which combines machines, workflows and intelligent network systems that are capable of controlling each other independently, communicating via the Internet of Things (IoT) or the Internet of People ( IoP).
Meanwhile, Professor at the University of North Sumatra, Jonner Hasugian, assessed that the emergence of Industry 5.0 must be addressed by libraries as an innovation in the use of digital knowledge services.
“The development of artificial intelligence (AI) is an interesting solution and has the potential to optimize roles and libraries. AI encourages unlimited access and timeless libraries," explained Jonner.
AI is capable of performing tasks that usually require human intelligence, such as object recognition, speech recognition, decision making, and translation between languages. Advances in AI programming make the development of smart libraries just a matter of time.
“Libraries are user oriented. Without users, the library will run out," concluded Jonner//VOI