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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.
Cross Ranch has nearly 17 miles of trails that cater to the adventurer all year long. This extensive trail system can be explored either on foot or cross-country skis during the winter months. The trail system allows access to a 5,000-acre nature preserve with mixed prairie grass, river bottom forests, woody draws, and roaming bison.
This trail crosses over two miles of preserve prairie and wooded draws. A guidebook at the trailhead provides information on wildlife, plants and history. The trail is part of the Nature Conservancy bison pasture. The trailhead is located three-quarters of a mile north of the park entrance. Not open for skiing. Please note that Bison are present on this trail, remember to keep a safe distance and respect that they are wild animals.
that growing Internet connectivity and the digitisation of the global economy have resulted in the rapid increase in the collection, use, and transfer of data across borders, a trend that continues to accelerate;
that cross-border data flows increase living standards, create jobs, connect people in meaningful ways, facilitate vital research and development in support of public health, foster innovation and entrepreneurship, and allow for greater international engagement;
There are encouraging signs of progress, and the KPIs provide some clear indications of where investment and action by the public and the private sector could make the most significant contribution to achieving the targets. Good progress has also been made at putting in place the structures to encourage and facilitate the necessary action by both the public and private sectors, without which the targets will not be met. But there is a considerable distance to go and more needs to be done across all of the key areas for action.
Achievement of the targets will require collaboration and engagement between and beyond the G20. If the relevant actors take the necessary actions, through the public and private sector working together the Roadmap goals can be achieved and we can realise the broad benefits that will come from enhanced cross-border payments.
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 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.
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