Through continuous innovation, Blue Cross Blue Shield of Michigan improves the quality and value of health care. Members enjoy smarter, better personalized medical, dental and vision coverage that addresses health disparities and strengthens communities across the country.
1996-2024 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross Blue Shield Association. We provide health insurance in Michigan. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.
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This report provides a roadmap to enhance cross-border payments. The G20 has made enhancing cross-border payments a priority during the Saudi Arabian Presidency. Faster, cheaper, more transparent and more inclusive cross-border payment services, including remittances, while maintaining their safety and security, would have widespread benefits for citizens and economies worldwide, supporting economic growth, international trade, global development and financial inclusion.
This report presents a roadmap to address the key challenges often faced by cross-border payments and the frictions in existing processes that contribute to these challenges. These challenges, namely high costs, low speed, limited access and insufficient transparency, affect end-users and service providers, though not all in the same way. Individuals and small companies face particular challenges with retail cross-border payments, and financial inclusion remains a challenge for many, especially in emerging market and developing economies. Low-value payments may incur high fees as a percentage of the amount sent and face cumbersome processes. The unbanked and individuals and firms from fragile states are amongst those who may not be able to access payment services at all.
The roadmap provides a high-level plan, which sets ambitious but achievable goals and milestones, and is designed to allow for flexibility and adaptation in the path to get there as the work progresses, while ensuring that the safeguards in terms of secure processing and legal compliance are observed. It encompasses a variety of approaches and time horizons, in order to achieve practical improvements in the shorter term while acknowledging that other initiatives will need to be implemented over longer time periods. It follows the structure of the Stage 2 report, setting out actions and indicative timelines in the following five focus areas:
The first four focus areas seek to enhance the existing payments ecosystem. The fifth is more exploratory and covers emerging payment infrastructures and arrangements. While each of the building blocks in the first four focus areas individually has the ability to bring notable benefits to cross-border payments, they have many interdependencies and the most significant enhancements are likely to be achieved if they are all implemented in a coordinated manner. The potential for new payment infrastructures and arrangements will also depend on the first four focus areas delivering change.
Strong commitment, coordination and accountability will be critical to success. The roadmap incorporates a framework where individual actions are taken forward by the most suitable expert bodies, in accordance with their mandates, with the FSB providing coordination and reporting annually on progress to the G20 and the public. This process will provide an opportunity to update and adapt the roadmap over time in order to keep it on track to meet its overall goals.
The involvement of the private sector, sharing their insights and practical expertise, as well as delivering change, will be key to support the practical implementation of the roadmap. The work under each building block will consider how to most effectively involve them. Public consultation on the individual building blocks will take place at the appropriate points, in order to ensure transparency and accountability.
The APEC Cross-Border Privacy Rules (CBPR) System was developed by APEC economies with input and assistance from industry and civil society to build consumer, business and regulator trust in cross border flows of personal information. The APEC CBPR System requires participating businesses to implement data privacy policies consistent with the APEC Privacy Framework. These policies and practices must be assessed as compliant with the program requirements of the APEC CBPR System by an Accountability Agent (an independent APEC CBPR system recognised public or private sector entity) and be enforceable by law.
There are currently nine participating APEC CBPR system economies: USA, Mexico, Japan, Canada, Singapore, the Republic of Korea, Australia, Chinese Taipei and the Philippines with more expected to join soon.
And we are going full steam to build over 5 miles of new trailĀ - to complete a connection from the Montpelier Bike Path up to U-32 and across East Montpelier to where the rail trail starts at Route 14.
Throughout 2024 (after the flood delay of 2023) we are finishing the connection trails up to U-32. Then later in 2024 and 2025 we will continue working upstream along the river, before finally cutting across country to the old railbed again and coming out at Route 14. 152ee80cbc
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