Trending December 2023 # Scandal At Danske Bank Explained # Suggested January 2024 # Top 16 Popular

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The scandal at Danske Bank has been described as one of the most significant money-laundering operations that Europe has ever witnessed.

Years of wrongdoing were followed by years of watchdog probes and international condemnation. But this week, the saga has concluded – in the form of a vast monetary penalty and more scathing criticism from US watchdogs.

The bank hopes to draw a final line in the sand on its most turbulent period in history. It all depends, though, on whether it can learn from its governance failures.

Quick recap

In 2023, it emerged that Danske Bank had allowed over €200 billion in suspicious transactions to move through its channels.

The action centred on the bank’s Estonian branch (now closed). Ten former employees of that branch were arrested. Then-Danske Bank CEO Thomas Borgen resigned.

Multiple watchdogs – chiefly Danish and US authorities – have been conducting an extensive probe of the bank ever since.

This week, the bank announced a final settlement worth over €2 billion with those authorities and accepted “full responsibility for the unacceptable failures and misconduct of the past, which have no place at Danske Bank today.”

Why is governance at the heart of this scandal?

Because anti-money laundering protocols begin at the top levels of a business. That responsibility only increases when the business in question is one of the most prominent banks in Europe.

Principles and processes start with organisational strategy and filter down. Over the past several years, we have seen that this simply didn’t happen at Danske Bank.

Whether Danske Bank’s strategy was inadequate or simply ignored makes no difference now; its board and the executive team failed to give proper oversight. Now they are paying the price.

If senior leaders didn’t facilitate money laundering themselves, they ignored red flags showing that others were doing so. This, in the eyes of government watchdogs, signals culpability. New laws mean that it’s becoming harder to hide from that fact.

What has the scandal at Danske Bank shown about its governance?

At the heart of the issue was Danske Bank’s willingness to lie as part of its governance strategy. At least, that’s how US authorities see it.

Much of the money attached to the scandal ultimately ended up moving through other banks based in the US, and because of this, Danske Bank has been accused by the US Department of Justice (DOJ) of “deceiving” these banks.

“By at least February 2014, as a result of internal audits, information from regulators, and an internal whistleblower, Danske Bank knew that some NRP customers were engaged in highly suspicious and potentially criminal transactions,” a US Department of Justice (DOJ) statement said this week.

“Danske Bank also knew that Danske Bank Estonia’s anti-money laundering program and procedures did not meet Danske Bank’s standards.”

So, senior leaders knew what was happening and didn’t say anything?

Yes, and also, they didn’t act sufficiently to stop wrongdoing.

You’ll notice that the DOJ accused the bank of inaction in 2014 – in other words, three years before the scandal’s impacts began to unfold in the public realm and two years before the dirty money stopped flowing.

No corporate governing body should allow their company to fall into such reckless law-breaking. But pivotally, no governing body should allow their company to remain in that state. Danske Bank did, and now it is paying the price.

What governance lessons can we learn from the Danske Bank debacle?

In financial institutions, boards and executive teams have a crucial duty to ensure sufficient anti-money laundering (AML) controls. Watchdogs are as eager as ever to uncover such wrongdoing and turn it into an international example.

Corporate leaders must respect and act on internal audits, especially when they raise red flags.

Action and inaction bring similar consequences. Whether a board facilitates laundering or stands by while it occurs, the responsibility falls on their shoulders.

Look at the UK as an example of toughing legislation. A proposed law there specifically suggests jail time for directors if their company facilitates financial crime.

In summary

The scandal at Danske Bank is one of the biggest money laundering cases ever uncovered. Lawmakers have blasted it and vowed harsh responses should it ever happen again.

Boards and executives in financial institutions should pay close attention to this and their companies’ channels.

If those channels are being used to move dirty money, expect a fallout.

You're reading Scandal At Danske Bank Explained

International Bank Account Number (Iban)

International Bank Account Number (IBAN)

A system of identification for bank accounts around the world

Written by

CFI Team

Published December 12, 2023

Updated June 28, 2023

What is the International Bank Account Number (IBAN)?

The International Bank Account Number – typically referred to as IBAN – is a system of identification for bank accounts that is used across national borders. Internationally agreed upon, the IBAN system acts as a facilitator for communicating and processing international transactions, helping to reduce errors in transcription.

Summary

The International Bank Account Number (IBAN) is a system of identification for account numbers to ensure that international transactions go smoothly.

There were several versions of the IBAN system – put out by the International Organization for Standardization (ISO) – before a finalized version was created; the final version was split into two parts.

IBANs are important because they enable international transactions to occur easily, and significantly help to cut down on transactional errors.

Structure of the International Bank Account Number

The International Bank Account Number contains the following information:

Country code – A code that is specific to a certain country

Check number – A two-digit code used as a redundancy check to detect errors on identification numbers

Bank identifier – The unique identifier for the domestic bank

Account number – The bank account identifier

Source

History of the International Bank Account Number

Before the creation of the IBAN system, there were different standards among countries when it came to identifying bank accounts (their branch, bank, account number, and routing codes). This led to a large amount of confusion when it came to international transactions. Important routing information, specifically, was often missing when payments were being made.

The ISO 9362 (otherwise known as the BIC code or SWIFT code) made no specifications for formatting transactions, so each party in a transaction needed to come to an agreement regarding transaction types and identification of accounts. There was a lack of consistency with international trade and resulting confusion.

Then, in 1997, the International Organization for Standardization (ISO) published the ISO 13616:1997 proposal, which was so flexible that it was deemed unworkable by many. They cut the proposal down then, stating that each IBAN must be a fixed length and must only include upper case letters. After much backlash, the ISO withdrew the proposal and created a new one, ISO 13616:2003. This proposal – created in 2003 – was updated again in 2007 and was basically split into two parts – SWIFT and IBAN.

SWIFT System

ISO 13616-2:2007 is officially known as SWIFT (Society for Worldwide Interbank Financial Telecommunication), a network that allows financial institutions around the world to both send and receive financial transaction information securely in a standardized (and therefore reliable) way. SWIFT is not responsible for assistance in making transactions. Instead, it sends payment orders that must be analyzed and settled between the involved accounts. In order to utilize SWIFT, all transactions must be between banks or entities closely associated with banks.

Importance of the IBAN System

The IBAN system provides a flexible yet standardized format that is used to identify accounts, validate transaction data, and create a filter that catches data errors. Routing information is always included; it allows one bank (or financial institution) to send a payment to another. Key information about each bank account is also included, as mentioned above. (The information includes branch codes, country codes, as well as check digits, which are designed to spot errors or completely validate an account number.)

More Resources

Pagerank Explained In Simple Terms!

In my previous article, we talked about information retrieval and how machines can read the context from free text. Let’s talk about the biggest web information retrieval engine, Google, and the algorithm that powers its search results: the Google PageRank algorithm. Imagine you were to create a Google search in a world devoid of any search engine. What basic rules would you code to build such a search engine? If your answer is to use a Term Frequency or TF-IDF framework, consider the following case:

But, do search engines like Google face this challenge today? Obviously not! This is because they take help of an algorithm known as PageRank. In this article, we will discuss the concept of PageRank. In the next article, we will take this algorithm a step forward by leveraging it to find the most important packages in R.

An artificial web world

Imagine a web which has only 4 web pages, which are linked to each other. Each of the box below represents a web page. The words written in black and italics are the links between pages.

For instance, in the web page “Tavish”, it has 3 outgoing links : to the other three web pages. Now, let’s draw a simpler directed graph of this ecosystem.

Here is how Google ranks a page : The page with maximum number of incoming links is the most important page. In the current example, we see that the “Kunal Jain” page comes out as the most significant page.

Mathematical Formulation of Google Page Rank

First step of the formulation is to build a direction matrix. This matrix will have each cell as the proportion of the outflow. For instance, Tavish (TS) has 3 outgoing links which makes each proportion as 1/3.

Now we imagine that if there were a bot which will follow all the outgoing links, what will be the total time spent by this bot on each of these pages. This can be broken down mathematically into following equation :

A * X = X

Here A is the proportions matrix mentioned above

X is the probability of the bot being on each of these pages

Clearly, we see that Kunal Jain’s page in this universe comes out to be most important which goes in the same direction as our intuition.

Teleportation adjustments

Now, imagine a scenario where we have only 2 web pages : A and B. A has a link to B but B has no external links. In such cases, if you try solving the matrix, you will get a zero matrix. This looks unreasonable as B looks to be more important than A. But, our algorithm still gives same importance for both. To solve for this problem, a new concept of teleporatation was introduced. We include a constant probability of alpha to each of these pages. This is to compensate for instances where a user teleports from one webpage to other without any link. Hence, the equation is modified to the following equation :

(1-alpha) * A * X + alpha * b = X

Here, b is a constant unit column matrix. Alpha is the proportion of teleportation. The most common value taken for alpha is 0.15 (but can depend on different cases).

Other uses of PageRank Algorithm & End Notes

In this article we discussed the most significant use of PageRank. But, the use of PageRank is no way restricted to Search Engines. Here are a few other uses of PageRank :

Finding how well connected a person is on Social Media : One of the unexplored territory in social media analytics is the network information. Using this network information we can estimate how influential is the user. And therefore prioritize our efforts to please the most influential customers. Networks can be easily analyzed using Page Rank algorithm.

Fraud Detection in Pharmaceutical industry : Many countries including US struggle with the problem of high percentage medical frauds. Such frauds can be spotted using Page Rank algorithm.

Understand the importance of packages in any programming language : Page Rank algorithm can also be used to understand the layers of packages used in languages like R and Python. We will take up this topic in our next article.

Thinkpot: Can you think of more usage of Page Rank algorithm? Share with us useful links to leverage Page Rank algorithm in various fields.

Did you find this article useful? Do let us know your thoughts about this article in the box below.

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Excel Vlookup – Sorted List Explained

In my previous Excel VLOOKUP formula tutorial I mentioned that there are two ways you can use a VLOOKUP but most people know one way or the other, and only a few know both.

As promised here’s the second way to use it, and I call it the Sorted List version as it relies on the data in the table you are referencing being sorted.

Note: If you haven’t read the first tutorial, then I recommend you first watch the video below from the beginning to get an understanding of how VLOOKUP works.

Excel VLOOKUP Formula Video Tutorial

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First let’s set the scene:

In the image below we want to lookup the Commission Rates table in cells G6:I13, and find the rate in column I based on the sales values in column D, and return the result to column E.

Excel VLOOKUP Function syntax:

=VLOOKUP(

lookup_value

table_array

col_index_num,

range_lookup

)

And to translate it into English it would read:

=VLOOKUP(

find this value

in that table

return the value in the nth column of the table

find an exact match if you can, but if not, find the next lowest match

)

Note: with the Sorted List version we want Excel to find the next closest option in our table, i.e. an approximate match. To specify this we can leave the ‘range_lookup’ argument blank, or enter TRUE, or 1.

Excel VLOOKUP approximate match formula example:

Remember we want Excel to find the Commission % Rate and enter it in cell E6, so in English our formula will read:

=VLOOKUP(

find where the Sales amount $3,112

falls in the Commission Rates table G6:I13

return the value in column 3 of the table

if there isn't an exact match, find the next closest value

)

=VLOOKUP(

$G$6:$I$13

TRUE

)

Let me clarify some points:

1) ‘find where Sales amount $3,112, falls in the Commission Rates table’ – Excel doesn’t actually take into consideration column H in our table. I have simply put it there to help understand the commission ranges. Excel is in fact looking for the exact amount $3,112 in our Commission Rates table, and when it can’t find it, it finds the next best lower amount and returns the value in column 3.

3) If we had consecutive duplicates in our Commission Rates table Excel will find the last instance of the value and return the result in column 3. For example, if instead of the amount $4001 in cell G11, you had $3001 again. Excel would return the value of 6% as it’s finding the last best match for our amount. The tip here is to remove any duplicates or you’ll end up with erroneous results.

4) Unlike the VLOOKUP Exact Match version of the formula, this version requires the list to be sorted in ascending order. Just like with duplicates explained above, if it’s not sorted you will end up with erroneous results.

You’ll notice in the formula bar above there are ‘$’ signs around the reference to the table. This is called an absolute reference and it allows us to copy the formula down column E without Excel dynamically updating the table range as we copy.

Want More?

Check out my previous tutorial for VLOOKUP Rules & Common Mistakes!

Audio Terms Explained: Crunchy? Warm? Punchy?

Original article: August 8, 2023: Our sister site SoundGuys has all sorts of objective ways to talk about audio, and when we feature its headphones reviews, we appreciate that. But if you head to other corners of the web, you’ll find many terms used to describe audio: “warm,” “crisp,” “punchy,” “sharp,” “dull,” and more. What do these terms even mean, though? Is there some standard, or are they being used on an ad-hoc basis?

Here’s a spoiler: among enthusiasts, audio terms usually don’t have a standard, but there are standardized ways to talk about audio.

Common audio terms and what they might mean

Zak Khan / Android Authority

Even if the terms you see flying around don’t inherently mean much, we can attempt to pick apart what they might mean in a few contexts. Keep in mind that we can’t speak with every author in mind, nor can we assume consistent usage of these terms elsewhere.

What does crunchy audio sound like?

This term could have any number of meanings, but it is almost always negative. “Crunchy” sound often refers to poor reproduction and reproduction of instruments. When audio is “crunchy,” it can be difficult to tell a guitar apart from a harp and even a drum. It could sound as if everything is “crunched” together.

Crunchy may also mean the drivers are loose or broken, leading to “crackling” or “rattling” sounds in a pair of headphones or a speaker.

What does warm mean when discussing how headphones sound?

“Warm” is usually a positive term. It tends to mean that an audio product produces pleasing amounts of bass — but not too much! Warmth also implies that vocals are clear, if present, and that the mids remain audible. What usually distinguishes it from “balanced” is the presence of stronger bass than you’d find in a product called “balanced,” with highs that, while present, are less loud than the mids and lows. By extension, warmth tends to associate with clearly reproduced instrumentation.

In audiophile circles, warmth is associated with tube amplifiers and analog, versus digital, sound circuitry. However, there’s another debate about whether casual listeners can perceive any effect.

What makes music sound lush?

The term “lush” is usually a positive descriptor used for audio products that are “warm” and generally pleasant to hear. This is a slippery term. You may often see it in phrases such as “lush strings,” used to indicate both accurate instrument reproduction and an enjoyable frequency response.

How do you describe something that sounds muddy?

Bose

The term “muddy” ends up being an umbrella term for many kinds of “bad” audio. Muddy sound is usually used to describe products that don’t reproduce instruments clearly, have way too much bass, and make it difficult to pick out vocals. While it is hard to state the exact reason a writer might describe any one product as muddy, we feel safe saying it’s a negative term and generally indicates poor-quality sound reproduction.

What kind of sounds make music sparkle and shimmer?

These are terms you’ll find concerning high-frequency sound reproduction. Overall these are positive and tend to mean sound with loud high notes that aren’t too harsh or piercing. Often, writers may call cymbals or small bells “shimmery” or “sparklingly clear.” Some listeners, however, may not enjoy such loud and prominent high notes.

Is there a difference between clean, clear, and transparent audio?

These terms tend to describe audio that has instruments easily distinguishable from one another without anything sounding too loud or too quiet. It does not necessarily indicate a studio headphones-type frequency response, though. Sound can be “transparent” or “clear” and still have boosted bass if you can still hear loud strings and bells, for instance. “Clean” audio is usually the opposite of “muddy.”

Is boomy the same as bass-heavy?

“Boomy” bass is bass that’s too loud in a bad way, most often. It “booms” louder than other sounds and drowns out other frequencies.

Is thumpy sound a good thing?

Often denoted as what a subwoofer feels like, “thumpy” bass is used as a positive to indicate you can “feel” the bass notes in your body. It may also be a negative because too much bass emphasis can make it hard to hear higher-pitched frequencies. Generally, thumpy bass means a pleasing amount of bass output without being too overwhelming.

What do detailed and analytical mean when describing sound?

“Detailed” or “analytical” sound tends to mean no frequency range overpowers another so that you can hear all of them roughly equally. You might see this term come up when describing audio products for studio settings, where you’d want to hear every frequency you can. Similar to “clear,” it doesn’t necessarily beget a studio-like frequency response. Amped-up bass can still permit you to hear other frequencies if done properly.

What does it mean if mids are recessed, restrained, or hollow?

We’re lumping these together because they tend to describe similar effects, though often at different points in the audible spectrum. Sound that is “hollow” or “recessed” has mids that are too quiet. This may also be called “v-shaped,” because the frequency response chart will appear as if a big valley is present in the mids. This can make the bass and treble sound louder, but it makes vocals and other midrange frequencies harder to hear. Sometimes headphones do this because it sounds decent if you’re just trying a pair before purchase, and you may not notice the problems until a little later.

Muddy sound is usually used to describe products that don’t reproduce instruments clearly, have way too much bass, and make it difficult to pick out vocals.

Restrained can imply the same thing, but it may be more value-neutral. “Restrained bass” could be a compliment indicating the bass was expected to drown out other sounds but ended up not doing so.

When something is too loud, does that make it harsh, grating, or piercing?

Almost always indicators of problems, these terms tend to describe the high-frequency reproduction of an audio product. If the highs are too loud, it may sound like a smoke alarm or car anti-theft warning. A “grating” sound may also imply an extended or chronic problem — it makes you “grit your teeth and bear it” — while “piercing” may indicate shorter durations of the same. “Harsh” tends to be a general audio descriptor of too much treble.

What does dull, flat audio sound like?

“Dull” and “flat” might be used to describe a lack of treble notes, or they may be terms for generally “bad” audio. Its counterpoints are usually “exciting” or “fun.”

Flat might be a positive if you’re looking for studio headphones because a “flat” frequency response curve doesn’t emphasize any part of the audible spectrum too much.

What do dry, thin, liquid, and smooth mean?

“Thin” audio is usually audio that has quiet bass and sub-bass, as is “dry” audio. Liquid sound usually has audible bass, but it may be a touch too loud to hear midrange and treble instrumentation clearly like you would with something that sounds “detailed” or “analytic.”

Smooth is similar, but may also indicate no odd peaks in the frequency response curve of a product.

Does peaky audio mean music sounds too loud?

“Peaky” audio, as the name implies, tends to be used for products with frequency response curves with peaks or valleys in odd places. These can create a jarring listening experience with unexpectedly loud or quiet notes when slightly higher or lower frequencies aren’t reproduced in such a manner. Of all the casual audio terms, this one tends to be the most consistent.

What makes music sound fun or energetic?

When used to refer to dynamic range, or the difference between the loudest and most quiet parts, “energetic” implies a broad range. However, “fun” and “exciting” are far more subjective. They mean, for example, emphasized bass output, the ability of a speaker to get very loud overall, or even a particular case design.

What is the standardized audio definition of punch?

The ITU defines punch as “whether the strokes on drums and bass are reproduced with clout, almost as if you can feel the blow. The ability to effortlessly handle large volume excursions without compression (compression is heard as level variations that are smaller than one would expect from the perceived original sound).” Fair enough, but what does that signify when you’re listening to something?

First, let’s start with “compression” (also defined by the ITU) — not to be confused with audio file format compression. Audio that is “compressed” means it doesn’t have a wide dynamic range. That is, the difference between quiet and loud portions is narrow. Thus, “punchy” bass has an ample difference between quiet and loud drums, for instance. “Clout” means a heavy blow or impact. Adding that gives us bass that sounds like a drummer has made heavy, hard hits from sticks onto drums in a song.

All of these ITU standard terms get real definitions, and we can use them consistently.

A product with “punch” can handle large volume outputs without extra dynamic compression. The audio output does not all occur at one volume, and it does not blend various bass-producing instruments into a mass. In popular parlance, however, punch often has a broader definition. In this usage, it means bass that is forceful and quick.

What are the standardized audio definitions of dark and bright?

Dark audio has too much bass or not enough treble, and bright audio has too much treble or not enough bass. This is how the ITU defines them, and in general, it seems most of the time, other writers use these terms in this way. However, “bright” is also used by other publications as a compliment, so unless you’re sure a given writer is following ITU standards, this may vary.

What is the standardized audio definition of attack?

What is the standardized audio definition of boomy?

We saw this one before, but to the ITU, it specifically indicates bass that reverberates “as sound in a large barrel.” By “reverberates,” the ITU means the bass persists for too long and keeps going even after the instrument producing it is no longer being played. This is similar to the casual use of the term and indicates too much bass.

What is the standardized audio definition of dry?

Dry has a specific meaning to the ITU, where it indicates a space that does not have much reverberation. These are usually “small furnished spaces such as living rooms or spaces outdoor without reflecting objects.” Unlike its colloquial meaning, the opposite to dry in the ITU specifications is not “liquid.”

What is the standardized audio definition of tinny?

The term “tinny” is another popular option, and the ITU specification describes it as something with too much high-frequency or high-frequency response with too much resonance. You can think of it as the upper note version of “boomy.”

How To Add Direct Bank Transfer In Woocommerce Store? – Webnots

WordPress by default does not have any option to create products and sell online. However, you can choose best in class plugins to create a full-fledged online store. WooCommerce is one of the best-known ecommerce plugins for WordPress. You can easily create simple and variable products and accepts payments from your customers. In this article, let us explain how to add direct bank transfer in WooCommerce to receive money in your bank account.

Related: Guide to setup WooCommerce store in WordPress.

Why Not PayPal?

Well, the best and easy option for any online store is using PayPal. However, PayPal has lot of restrictions based on your country.

Countries as India does not allow money transfer from PayPal accounts created within India. It means you cannot pay or receive money between two Indian PayPal accounts as per the guidelines from Reserve Bank of India. This is useless situation for those having local businesses in India.

Some countries need PayPal business account to send and receive money.

Bank transfer may have less transaction fee compared to PayPal charges.

At any case, it is a good idea to have both PayPal and direct bank transfer methods as your payment methods to cater all your customers.

How to Add Direct Bank Transfer?

WooCommerce Payment Option

This will open up the settings page for direct bank transfer as below.

Setting Up Direct Bank Transfer

Enter the title, description and instructions that appears on the checkout page.

Adding Account Details

account. You should have the following details of your bank account.

Enable / Disable – check the box to enable the option.

Account name – your name as on the bank record.

Account number – complete bank account number.

Bank name – legal registered name of the bank.

IFSC – it indicates Indian Financial System Code applicable only in India. It should be an 11 digits alphanumeric code of your bank branch. Generally, you can find the IFSC code on the check leaflet, otherwise contact your bank to get the correct code. In most cases, you can also search on online to get the code for your bank branch.

IBAN – it is an International Bank Account Number, which should be of 34 alphanumeric characters.

BIC / Swift – Bank Identification Code or SWIFT code is 8 or 11 characters code to accept international money transfers.

Ensure that you have correct name and use the numbers as per your need:

Use account number with BIC/SWIFT code for accepting international money transfers.

You may not need an account number when using international bank account number (IBAN).

Enter correct IFSC code and account number for money transfer within India.

You can also add multiple bank details to provide options for your customers.

Checkout with Direct Bank Transfer

When a customer orders a product, he/she will see the direct bank transfer as option during checkout.

WooCommerce Order with Direct Bank Transfer Option

After confirming the order placement, customer can get the complete bank transfer details as you have entered in the WooCommerce settings page.

View Bank Details After Checkout

Order Processing for Direct Bank Transfer Payments

The order processing process is bit change from PayPal order processing. For the digital products with PayPal case, after the order placement, it will automatically convert to “Completed” status. However, for direct bank transfer, WooCommerce will put the order “On Hold” until the time of payment.

Order Status On Hold

The customer will receive an email mentioning that the order is on hold until the payment along with the bank account and order details.

Order Details with Bank Account

After you have received the money in your bank account or buttons to change the order status to “Processing”.

complete the order status. This will send order completion email to the customer.

Order Status Completed

Related: How to fix slow WooCommerce store in WordPress?

Invoice Generation

the order number link to go to the “Edit Order” screen. Under “Order actions” “Update” button.

Trigger Invoice for Order

This will trigger the invoice receipt to customer indicating the completion of the order.

Final Words

Now you know how easy it is to add direct bank transfer method in WooCommerce online store. However, we recommend you use this for getting money within country from a local store. For international money transaction, ensure that it works fine in one or two cases before you rely on it.

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