years past have been a bit long in the tooth this this was a long ceremony but about it that we had some young blood there as well right plenty of movies to watch for us thanks a lot. we're watching the news from berlin coming up next it is shift living in the digital age is looking at how to choose the right he want it remember you can always follow us on twitter news is all handle plenty more news on our website and w dot com and have a home free in thanks for your company. culture but. surely to school in africa. your link to exception your stories and discussion. use a visit and while website the deputy comes to join us on facebook that.

should tell our feelings this is the new balls speaking when i come to the show with a ding dong yeah ya concerts. with the mysterious guests. roxane . and then incredible location. every week on t.w. . this might sort of be a thing of the past. who needs cash when you can just as easily pay with an equal it worldwide digital wallets and our smartphones are growing more and more popular what systems on the market how do they differ from one another and how safe are they i would topic today on ship.

most evil let's com a smartphone apps. that biometric solutions to your own hand might replace your wallet a scanner authorize the payment and that's it business is a picking up on the trend and offering more payment services facebook even announced its own app recently but which one is right for me. that might depend on where you live and what you plan to use it for. a bouquet of flowers without any cash to many it's already an ordinary part of daily life. let users pay quickly and easily there's a wide range of apps to choose from. you can get through your bank then it's basically an extension of your regular account on your smartphone. connected to

your mobile plan they conduct transactions via text message there is also a growing number of other providers whether global players for worldwide payments like google pay or pay pal or for certain countries and currencies like in china. and india. the main principle stays the same the wallets are for storing money. the balance usually comes from a bank account or credit card or is topped up in cash the app lets you pay by clicking a button scanning a q.r. code or with near field communication i use it mostly because there really. because you can pay everywhere and anywhere with your mobile phone and it takes away the hassle of dealing with cash all with physical credit cards with. you can just scan a q.r. code and that comes directly from your bank account. user should look out for fees

though often sending money to friends is free of charge but many providers make a profit on other transactions pay pal charges 5 percent on international money transfers for instance that can become costly in the long run. so here's a checklist for finding that your wallet that's best for your needs what countries and currencies doesn't work how can i top it up what payment options do i have. and what does the option i use most cost and as always it's also important to look out for your security and personal data. expert julie martin has some basic advice for choosing the right provider look for multiple factor authentication look for making sure that there is a backup. and make sure that they are warning you about how you should be interfacing with the technology. whether or not my money is safe depends on how i

keep it leaving my wallet is probably a bad idea using 1234 as a password for my. also not the best but providers need to maintain security standards too. technically speaking most do you want to buy sirius provider well protected the data is encrypted and stored on secure service it's recommended to use which have been checked by at least 2 i.t. security companies one risk remains humans passwords need to be protected and you want to use are a popular talking phishing attacks which enable criminals access to what this digital wallets. this is the power and the danger of mobile banking you are your own bank and if you have bad security practices you lose your phone or something happens then you are the one who is going to suffer the consequences of that like online banking most do you want to

use 2 factor authentication for example password and fingerprint what if a transfer feels as though some providers have accommodating rules similar to a bank but that is not a given that usually circumvented the middleman making a profit and if there is no longer an intermediary there who is making money off of you. then you have a danger that you're not going to get that charge back there's nobody to charge it to send it back to you. so. some risks but doesn't money always. how does mobile payment compare to other common methods we took a closer look at. how secure is using it compared to using a credit card online the only way to answer that question is it depends it depends on the wallets and on the online payment system there are you while it's

a systems that are more secure than some of the online payment systems that are in use today and vice versa. i would prefer the wallet to using the credit card in the store because you've removed the human element you don't have the cashier taking your credit card potentially you know copying it or memorizing it or whatever. and you will it is definitely more secure in the sense that. you don't have to worry about terrorists physically keeping the cash with you all the time and having enough to pay every time i give my kids cash they seem to lose some of it for example if they never lose their falls. so when it comes to security let's make a good impression but what about user data and the electronic transaction leaves a digital footprint when it comes to wallets that information is not only available to my bank but also to service providers like pay pal our digital wallet is just

another step towards transparent customers i mean cash has a certain anonymity to it that people like. you don't quite have in the same way with with digital currency. digital transactions create footprints which many providers also use data about payments absolutely is being used about you absolutely using huge industry people making lots of money by analyzing payment flows from many users however the advantages outweigh the risks. all these private corporations know exactly what you're spending behavior is like what you are like as a shop your your behavior patterns essentially and that might be uncomfortable for some people but i personally it's not

a big issue i would rather my transactions be tracked. back safe rather than not tracked but not say. in the end we need to choose what's most important to us. fun fact in germany we're huge fans of hot cash hardly anyone uses wallets yet other european countries are less cash crazy is going to navia more people prefer a mobile payment and in many asian countries it has long become a part of daily life china expects hop a 1000000000 customers to use wallets in 2090. there's no wonder it's simpler less expensive and quicker than your plastic bag if i wanted to transfer money from my regular bank on a friday afternoon for example i have to wait until monday morning for it to be processed when i use my wallet the recipient instantly receives the money along

with the message that it has arrived and the best part is i don't always need a bank account for about. the world bank estimates that globally about 1700000000 people don't have access to a bank account for them he wanted could enable access to the financial system. one example is the digital payment system. it started in 2007 in kenya and is available in other african countries in india and in parts of eastern europe. the account is linked to a mobile phone number users can pay bills or transfer money by text message a large network of employees agents allows for the digital wallets to be topped up one of the interesting things about electronic quality is that in places where the banking system is less developed the least developed you find the highest levels of comfort with using digital well that's simply because people will grasp on to any alternative that works by going the own bank has come to facebook's attention to

the plan to the wallets culebra is supposed to be integrated into facebook messenger what's up users couldn't do worldwide payments in facebook's own currency libra the project has raised international criticism but facebook's entrance onto the strongly regulated financial market should give mobile payments another boost i think most likely in the next 5 years we will see big movements towards global while it's capabilities because of players like we chat and facebook and others with this massive platform reach pushing the sector forward and as they. sort of help break down the barriers with governments to get on board and allow this cross jurisdictional use country to country use of these kinds of currencies it will become easier and easier. facebook's idea isn't necessarily new ebola it's using crypto currency is

a bit current have been around for years they encrypt transactions with block same technology which makes them particularly safe. only exist digitally and are not regulated by any bank the most well known ones are bitcoin. the term comes from the greek word crypto meaning secret or hidden it points toward the cryptographic encryption used for all components of the currency system. this technology is much safer than usual encryptions all information from balance a transaction is secured in a block chain meaning in a cryptographically encrypted protocol this way user data is stored safely. depending on the type of currency some of them are fully anonymous and nobody can see your payment history and that is a much more secure way of maintaining anonymity and payments. could potentially be

as secure and more secure than cash. but this anonymity only comes with specific cryptocurrency the advantages of digital wallets are easy to use they allow for quick transactions with a high level of security at least when you follow basic data protection guidelines one big disadvantage is the sensitive data you leave behind when you pay how much money i spend on water and when is very interesting to businesses and they're willing to pay huge amounts to know what's it like for you wish you well as to you you and why. that does not become a part of the shift community on you tube and subscribe to our channel be a look at everything from the fiercely intelligence on robotics to gaming and gadgets so you know they are by by.

the africa. a young jew kitchen in nairobi is fighting for the environment. the artificial hair she uses is made from the plaid sun so instead of plastic. she cultivates the plant herself. reaping all of its eco friendly benefits eco africa next. helping people help themselves to fight for a just society. to lift themselves out of poverty these are the goals of coping international for more than 50 years the catholic social organization has supported self-help groups more. international.

30 minutes w. . inform. and on demand. language courses. video and. w. media center. hello from kampala and welcome to the latest edition of our environmental program off rekha a coal production in germany n.t.v. in uganda and china's t.v. in nigeria i am saundra to know you're on to the next hour we'll be packed full of

interesting stories on good ideas my lovely colleague neil to from nigeria.