Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD.

Hello, Welcome to the official Twitter Page of the Reinis TUMOVS. Briefly about me: Angel Investment • Entrepreneur • Neo Banker • Financier • Philanthropist.

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

@Iberia Reclamación E20260518-73809724 (equipaje dañado, mayo). Hoy enviamos documentación adicional por email — y solo recibimos respuestas automáticas que remiten a la web. ¿Hay alguien que tramite las reclamaciones? Llevamos desde mayo esperando una respuesta sobre el fondo.

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

@Iberia 5 días sin mi equipaje y solo recibo respuestas
automáticas.
Vuelo IB1585 MAD-TFN del 15/05, Business. La maleta sin
escaneo posterior a Barcelona.
Necesito búsqueda física manual en BCN y MAD. Familia con
3 niños en Tenerife. Escalad el caso. Datos por privado.

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Here's the adapted version for a Twitter thread:

🔥 Crypto Market Weekly Roundup: No Clear Winner in the Zoo 🦘

Bulls & bears battled, but neither won. #Cryptomarket stuck sideways as investors await crucial macro & regulatory news.
https://t.co/CdxV1lyDLG

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Survey: Americans believe that the countries most likely to fight alongside the United States are Britain, Ukraine, and Israel.

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

The Bank of Lithuania has imposed a fine of 200,000 euros on UAB Revolut Bank for breaching the large exposure limit requirement.

The bank itself reported to the Bank of Lithuania about temporarily asking for the large exposure limit.

It was determined that due to shortcomings in the bank's internal processes,Revolut exceeded the large exposure requirement for two months starting fromJuly 2023.

After identifying the causes of these shortcomings, the bank rectified the violation in September 2023.

The fine was levied on Revolut, considering that the bank had committed an asimilar violation in 2022, for which a corrective measure was applied.

Mitigating factors were also considered, including the bank's violation, its identification and rectification of the issue on its own, and itsproactive reporting to the Bank of Lithuania.

Revolut has taken steps to prevent the recurrence of such a violation in the future.

As of January 1 this year, UAB "Revolut Holdings Europe" and its controlledentity "Revolut Bank" are directly supervised by the European Central Bank incooperation with the Bank of Lithuania.

#Banking #fintech

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

ProBlife Collagen is not just any collagen product; it is a product of extensive research and development, formulated in Austria with the guidance of some of the world's leading experts in beauty, skin health, and collagen science, including the esteemed Professor Dr. Marlovits. Here's why ProBlife Collagen is a standout product:

Clinically Tested Norwegian Marine Collagen: Our collagen is sourced from the pristine waters of Norway and has undergone rigorous clinical testing in Germany, producing remarkable results. This clinical validation ensures the effectiveness and reliability of ProBlife Collagen.

A Unique Blend of 6 Essential Vitamins: ProBlife Collagen is fortified with six essential vitamins: A, E, C, D3, K2, and Biotin. These vitamins are carefully selected to promote healthy hair, skin, and nails, strengthen immunity, and enhance overall well-being.

Powerful Probiotics for Gut Health: We have incorporated potent probiotics into our formula, designed to support gut health and optimize nutrient absorption, guaranteeing maximum benefits from each sachet.

Full Daily Recommended Dosage: ProBlife Collagen is meticulously formulated to deliver the complete daily recommended dosage of vitamins and probiotics, making it a convenient, cost-effective solution with just one sachet per day to address beauty, immunity, and gut health.

Premium Quality Ingredients: Our commitment to quality is unwavering. We source ingredients exclusively from reputable suppliers in Switzerland and Norway, ensuring the utmost purity and excellence in every ProBlife Collagen sachet.
Developed in Collaboration with Leading Experts: ProBlife Collagen is the result of collaboration with world-renowned experts, including Professor Dr. Marlovits. Their insights and expertise have been instrumental in creating a product that truly stands out in the market.

Manufactured in San Marino: Our product is proudly manufactured in San Marino, adhering to stringent quality control standards and benefiting from the region's rich history of innovation and excellence.

Preservative and Stabilizer-Free: Unlike many collagen products available, ProBlife Collagen contains no preservatives or stabilizers, ensuring it maintains its potency over time, without compromising quality.

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Top 200 Fintech Companies Revolutionizing the World of Finance

Advances in data analytics, artificial intelligence, blockchain, and mobile technologies have provided top fintech companies with a powerful toolkit to innovate and disrupt traditional financial systems. These companies are not merely adapting to change; they are actively driving it.

In a moment when technological progress seems limitless, the financial sector is experiencing a profound transformation and 200 Fintech companies are leading this change and reshaping our relationship with money.

CNBC, in Collaboration with Statista, Presents the Definitive List of the Globe’s Leading 200 Fintech Companies in 2023. These 200 companies, carefully chosen, stand as exemplars of financial technology, reshaping the way individuals, businesses, and institutions engage with financial services.

Source: Finnovating

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

שנה טובה ומתוקה!5784
מאחלת לכולם שנה מלאת בברכה, אושר, בריאות, והצלחה.
שתזכו להגשים את כל החלומות שלכם עוד השנה . אמן ואמן

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

"In the grand tapestry of Web3, finance & tech intertwine more exquisitely each day. From PayPal's pivotal stride to Telegram empowering users, & Solflare's enchanting adaptability, the crescendo of innovation is truly royal. As loyalty dances with blockchain, the saga continues. Stay tuned, for the future is resplendent. 🌌 #Web3Renaissance #rtumovs #tumovs #Web3Revolution #BlockchainBridges #PayPalWeb3 #TelegramEmpowerment #SolflareEvolution #LoyaltyMeetsBlockchain #TechMeetsFinance #FutureOfFintech #Web3Innovation #CryptoRenaissance

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

"In a world of 7.2 billion souls, the tapestry of #languages weaves stories untold. Dive into the 'World of Languages' infographic by the illustrious Alberto Lucas Lopez. If so moved, a review for Ceres Science on Facebook would be graciously esteemed. Your readership is treasured; if my musings resonate, do let it be known.
🌍 #LinguisticLore #tumovs #rtumovs #WorldOfLanguages
#AlbertoLucasLopez #rtumovs
#CeresScienceReview
#LinguisticJourney
#7point2BillionVoices
#GlobalTapestry #tumovs
#LanguageInfographic #VoiceOfEarth #wkwgroup #wkw_group

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

"In the realm of modern finance, Open Banking, despite its nomenclature, transcends the confines of traditional banking. Its ripple effect reverberates across industries, weaving a profound narrative of change. Let us delve into its intricate tapestry.

At its core, Open Banking signifies the evolution of banking into an #ecosystem of open APIs, birthing a value creation model that thrives on the sharing, provision, and utilization of data. Geographical nuances may vary the mechanisms of data access, but the overarching theme compels banks to unveil their troves of information and data.

The ultimate objective? To kindle innovation and ignite fierce competition. The modus operandi revolves around granting select, vetted third-party providers (#TPPs) access to this data, upon which novel, value-added offerings can be erected.

Two prominent global initiatives, #OBIE in the UK and #PSD2 in the #EU, stand as vanguards of this movement. In the UK alone, data from the Joint Regulatory Oversight Committee reveals that over 7 million individuals and businesses are embracing innovative open banking-enabled solutions to manage their finances and facilitate payments. Open banking payments have surged twofold, with over 68 million transactions in 2022, up from 25 million in 2021, and a staggering billion successful API calls per month since May 2022.

Across #Europe and the #UK, 556 TPPs have secured permission to operate, according to Konsentus' latest Q2 2023 data.

#BCG and Klarna's insightful research paper categorizes most open banking use cases into two distinct buckets: basic or mandatory #APIs, facilitating access to payment accounts for specialized services, and premium APIs, which unlock the realm of financial products beyond payment accounts, such as investments and savings.

This research also unveils captivating use cases spanning three diverse sectors: #retail, #travel & #hospitality, and #automotive:

1. **Initiation of Account-Based Payments**: This universal use case possesses transformative potential, promising cost reduction, enhanced cash flow lifecycles, and an enriched customer experience, thanks to embedded payments within the customer journey.

2. **Financial Risk Management**: Delving beyond payments, open banking emerges as a potent tool for credit risk assessment.

3. **Account Ownership Verification and Loyalty**: Open banking transcends mere financial transactions, offering personalized marketing campaigns and tailored offers.

As open banking matures and expands, it shall firmly establish its presence in the multi-polar world of finance. However, its ultimate success and widespread adoption hinge upon its ability to demonstrate tangible value to both consumers and merchants. They must not only grasp the benefits but seamlessly integrate them into their daily routines. The more imperceptible and harmonious this integration becomes, the swifter and broader its adoption shall be.

In closing, it's worth noting that these insights are not merely opinions; they are the culmination of a meticulous analysis from various sources, painting a vivid portrait of Open Banking's transformative journey."

I hope you find this text both informative and eloquent.

#FinTech #DigitalBanking #OpenBanking #FinancialInnovation #BankingTech #FinServ #FinTechTrends #FutureOfFinance
#FinanceNews #tumovs #rtumovs #theneobankers #DigitalTransformation #TechInnovation #BankingIndustry #FinancialServices #TechUpdates #DigitalEconomy
#FinancialInsights

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

The #Bitcoin
Supply Formula
Source: documenting bitcoin

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

🇱🇻 #Latvia have made a historic run at #FIBAWC:

🔹Fifth place finish on their #Basketball World Cup debut.
🔹Took down #France, #Spain, #Italy and #Lithuania.
🔹Most three pointers made by any team since 1994.
🔹Earned a place in everyone's heart.

Paldies, #Latvija! 🔴⚪️🔴

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

In the realm of holistic wellness, collagen stands as a remarkable cornerstone, a veritable elixir for vibrant health and enduring beauty. ProBlife Collagen, a trailblazing creation, emerges as the paragon of this profound journey towards optimal well-being.

At ProBlife, we harbor a fervent conviction that the fruits of good health and unabating beauty should be within the grasp of all, and their pursuit should be as effortless as it is enriching. It is with boundless excitement that we introduce ProBlife Collagen, a product meticulously forged from a symphony of elements that dance in harmonious union within a single daily sachet.

Why ProBlife Collagen?
1️⃣ Clinically Proven Marine Collagen: Our collagen springs forth from the pristine waters of Norway, renowned for its pristine purity. This treasure, scientifically validated, bestows its beneficence upon skin, hair, nails, and joints, offering a tangible embrace of well-being.

2️⃣ 6 Essential Vitamins: Within this elixir, we have artfully woven a tapestry of Vitamins A, E, C, D3, K2, and Biotin, each playing a distinguished role in the symphony of health. They are heralded for their contributions to bolstering immunity, kindling the radiance of one's skin, and nurturing the very essence of overall vitality.

3️⃣ Probiotics: The fecund soil of wellness is cultivated within the precincts of a healthy gut. ProBlife Collagen, ever committed to holistic health, extends its embrace to the digestive realm through the infusion of probiotics. Here, it fosters a harmonious milieu, ensuring that every day, you are graced with the embodiment of your best self.

4️⃣ Convenient Daily Sachet: Simplicity is the hallmark of perfection. We've woven this virtue into the very fabric of ProBlife Collagen, encapsulating its profound benefits into a daily sachet. Thus, your odyssey towards well-being is marked by grace and ease.

5️⃣ Affordable Luxury: We stand resolute in our belief that great health should never impose an undue financial burden. At under 4€ per day, the treasures of ProBlife Collagen are yours to indulge in, and you need not break the bank in the pursuit of radiant health.

🌿 With ProBlife Collagen as your guiding star, envision:
- A visage suffused with an ethereal glow
- Tresses and nails that exude strength and vitality
- An immunity that stands as an impregnable fortress
- The embrace of a robust gut, the harbinger of perennial well-being
- The simplicity of daily wellness

Join us on this magnificent expedition towards superior health and timeless beauty. Bid adieu to the bewildering array of supplements and extend a hearty welcome to a more vibrant iteration of yourself, all through the benevolence of ProBlife Collagen.

Are you prepared to orchestrate a metamorphosis within your daily wellness ritual? Peruse our website, for within its hallowed confines, you shall find the treasure trove of ProBlife Collagen. Seize this opportunity and commence your journey towards resplendent well-being today! 💪

https://t.co/45wCmcBYjK

Now in the top Austrian Pharmacies, soon in All Pharmacies in Europe and UAE

#ProBlifeCollagen #HealthyLifestyle #BeautyFromWithin #WellnessJourney #CollagenBenefits #WellnessSimplified #BeautyFromWithin #HealthyLiving #ImmunityBoost #GutHealth #ConvenientWellness #rtumovs #tumovs

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

In the contemporary landscape of financial services, the European Digital Banking Market has emerged as a veritable arena of both innovation and fierce competition. Within this domain, Italy, with its rich historical legacy in banking, has not merely embraced but wholeheartedly championed the digital banking revolution. This transformation is evidenced not only by the strategic initiatives undertaken by traditional banking behemoths but also by the swift proliferation of digital banking entities across the nation.

Italy's commitment to digital banking has propelled it into a prominent position, standing shoulder to shoulder with stalwarts like the United Kingdom and France. It is indeed noteworthy that Italy, in this digital renaissance, has risen to become the second-largest digital banking market in #Europe, trailing only behind the illustrious #UK.

For decades, the United Kingdom has been the vanguard of digital banking innovation, boasting an astonishing constellation of more than 37 digital banking brands that have orchestrated a paradigm shift in the delivery of financial services. This robust ecosystem, a true testament to British ingenuity, has catalyzed the digitization of the financial sector, setting an illustrious precedent that European counterparts eagerly strive to emulate. Italy's ascent as a formidable contender in this digital banking arena, featuring approximately 12 digital banking #brands, symbolizes not only its unwavering determination to embrace innovation but also its resolute intent to reshape the very foundations of its banking sector.

At the forefront of this #financial metamorphosis stands #HYPE, an entity born from the visionary minds at Banca Sella. HYPE's meteoric rise is nothing short of astonishing, garnering an impressive user base of 1.7 million individuals. However, the narrative doesn't end there; HYPE, fueled by its astonishing success, aspires to scale even greater heights by extending its customer reach to over 3 million in the near future. This grand ambition mirrors not only the discernible market demand for digital banking solutions but also the boundless potential for exponential growth within the Italian #market.

Global financial titans, renowned for their sagacity, have keenly recognized Italy's potential as fertile soil for digital #banking expansion. #BBVA, a name synonymous with innovation, boldly introduced a 100% digital banking experience to the Italian market in 2021. While initial traction may have been somewhat measured compared to the initial anticipations, its mere introduction underscores the growing acknowledgement of the profound impact of #digital banking in the #Italian financial milieu. BBVA's strategic foray into Italy serves as a testament to the evolving financial preferences of Italian consumers and a nod to the immense potential that this burgeoning market holds.

Beyond the domestic pioneers and international giants, enterprising newcomers like #Revolut and #N26 have etched their indelible mark upon the Italian financial landscape. These digital banking disruptors have swiftly and assuredly established themselves as formidable contenders, each attracting a staggering one million users. Their compelling success story underscores the unabating competition within the digital banking sphere, with these novel entrants adeptly capturing market share from their local counterparts. In their triumph, one discerns the universal resonance of digital banking solutions and the remarkable adaptability of consumers who enthusiastically embrace these innovative alternatives.

#digital_banking #bank #banker #fintech #theneobankers #neobanking #neobankers #tumovs #rtumovs #rtgroup #digitalbanking #FinanceInnovation #BankingRevolution #EuropeanFinance #ItalyBanking #UKFintech #FinancialTechnology #HYPEBanking #BBVAItaly #DigitalTransformation #financialservices #MarketTrends #ConsumerBanking #DigitalInclusion #TechInFinance #FinancialInclusion #FutureOfBanking

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

European launch of our Korean bestseller Bulgaricus Premium. Plant isolated Lactobacillus Bulgaricus strain from the Rila Mountain lakes.

- 10Billion CFU guarenteed per capsules after 2 years
- perfect prebiotic with Fructooligosaccharide
- most stable packaging with a molecular moisture and oxygen absorption
- 7 stable and effective probiotic strains
- DR capsule to ensure the cultures arrive in the gut and colonise

#ProBlife #Bulgaricus #prebiotic #EU #rtumovs #probiotics #Health #healthandwellness #HealthEquity

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Every time the U.S. men’s basketball team lost since the Dream Team:
🇱🇹1. Lithuania 84, U.S. 82 -- 1998 FIBA World Championship 🇱🇹
2. Russia 66, U.S. 64 -- 1998 FIBA World Championship
3. Argentina 87, U.S. 80 -- 2002 FIBA World Championship
4. Yugoslavia 81, U.S. 78 -- 2002 FIBA World Championship
5. Spain 81, U.S. 75 -- 2002 FIBA World Championship
6. Puerto Rico 92, U.S. 73 -- 2004 Olympics
🇱🇹7. Lithuania 94, U.S. 90 -- 2004 Olympics🇱🇹
8. Argentina 89, U.S. 81 -- 2004 Olympics
9. Greece 101, U.S. 95 -- 2006 FIBA World Championship
10. France 89, U.S. 79 -- 2019 FIBA World Cup
11. Serbia 94, U.S. 89 -- 2019 FIBA World Cup
🇱🇹12. Lithuania 110, U.S. 104 -- 2023 FIBA World Cup🇱🇹

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Every time the U.S. men’s basketball team lost since the Dream Team:
🇱🇹1. Lithuania 84, U.S. 82 -- 1998 FIBA World Championship 🇱🇹
2. Russia 66, U.S. 64 -- 1998 FIBA World Championship
3. Argentina 87, U.S. 80 -- 2002 FIBA World Championship
4. Yugoslavia 81, U.S. 78 -- 2002 FIBA World Championship
5. Spain 81, U.S. 75 -- 2002 FIBA World Championship
6. Puerto Rico 92, U.S. 73 -- 2004 Olympics
🇱🇹7. Lithuania 94, U.S. 90 -- 2004 Olympics🇱🇹
8. Argentina 89, U.S. 81 -- 2004 Olympics
9. Greece 101, U.S. 95 -- 2006 FIBA World Championship
10. France 89, U.S. 79 -- 2019 FIBA World Cup
11. Serbia 94, U.S. 89 -- 2019 FIBA World Cup
🇱🇹12. Lithuania 110, U.S. 104 -- 2023 FIBA World Cup🇱🇹

[Dr. Reinis TUMOVS | BSc, BAcc, LLM, MFin, PhD. @RTumovs]

Lana Diena Guys 104:110 ))) #NBA #Champions #world #Lithuania #Basketbol