Nicole Levine, MFA. Co-authors: 4. Updated: May 15, Categories: Android Applications WeChat. Article Summary X 1. Thanks to all authors for creating a page that has been read 44, times. Is this article up to date? Cookies make wikiHow better. By continuing to use our site, you agree to our cookie policy.
You Might Also Like How to. Featured Articles How to. Trending Articles How to. New Pages How to. Watch Articles How to. Sometimes a single line is not enough when writing out a message to your friends. Select this option to provide a line break in your message and continue tapping. Various other improvements have been added with this new version including better compatibility with the most recently released iOS devices including the iPhone Xr, Xs, and Xs Max, so be sure to download the latest update to WeChat for iOS today!
Drag and release to this corner and your web page will be minimized to a small, floating icon so that you can continue to use other parts of WeChat and return to reading your web page later.
Place text such as from a menu or a newspaper in screen and tap the camera button and it will automatically translate the text. This feature converts English to Chinese or Chinese to English and we hope to add additional languages over time. This allows you to continue to browse your Moments or check your chat messages and return to your draft later.
WeChat is more than just a chat app. Now, WeChat can help you on your travels around Europe! Not only does it offer details such as opening hours and location descriptions, the Mini Program also allows users to purchase tickets for popular places and receive promotional discount vouchers for local vendors. These are among the latest steps that WeChat has taken to establish a comprehensive travel experience for Chinese outbound tourists. With all of these new features constantly being rolled out, it is clear that WeChat is increasingly becoming more than just an app.
Voice input allows users to speak into WeChat in English and immediately convert their words to text so you can send a text message instead of a voice message. Once your done speaking, you can check and edit you message as necessary before sending the text to your friend. This not only saves time, but is also a convenient way to text long messages or to send text messages when on-the-go. Do you frequently switch two different WeChat accounts on the same device.
You will be logged out of your current account meaning that you will no longer receive system notifications when you receive a message on the prior account and logged in to the new account.
At WeChat, we work hard to bring you innovative, new features that enrich your app experience. Animated GIFs saved to Favorites will display animated. Previously, saved GIFs would only show the first frame of the animation, but now you can have the whole animated experience within Favorites. Post the entire image as a Moments post or to a chat.
Alternatively, now you can choose to share the note directly to Moments. Sent a message with a typo? Recall the message, reuse the old content to edit your message and send! When you recall a message in version 6. When you tap on the Re-edit link, the message input box will contain the recalled text. Now you can easily modify your original message to correct the typo and send again.
Be sure to upgrade to the latest version of WeChat on iOS today. In addition to a visual design suitable for the unique screen design on iPhone X, additional features include support for Face ID to verify your transactions when using WeChat Pay and an improved design for system notifications when receiving messages on iPhone X.
At the conference, the WeChat team presented the latest key insights below into the WeChat Lifestyle of now M daily logged in users.
Regulations should permit the cross- border transfer of data. Cross-border data flows should be allowed. This is consistent with the cross-border nature of financial services, as well as the nature of cloud-based data flows. Data localization requirements, or requirements for data to be stored in specific geographies, should be avoided, as this may create risk vulnerabilities for the FI and limit the efficiency of cloud deployment, which benefits from economies of scale.
Such restrictions may also increase the cost of cloud adoption and restrict choice. Regulations may identify compliance objectives or principles, but should allow cloud contracts to be negotiated freely between CSP and FSI with maximum flexibility while meeting compliance obligations. Regulations should not create a right to government for unrestricted physical audit access rights to CSP facilities. Unlimited physical access to CSP facilities is not necessary for audits or oversight and creates security risks to the CSP and its customers.
Alternatively, a certified audit conducted on a regular basis with reports made available to regulators can address oversight objectives. As a matter of best practice, we recommend that regulations should be neutral as to domestic and foreign CSPs. It is important to ensure an FI can select the most appropriate CSP to provide the best service, based on international standards and best practices, to meet their business objectives, as well as cost considerations. Regulations promote a risk-based approach to effective operational resiliency, which may include non- mandatory guidance encouraging the FI to consider business continuity and disaster recovery planning, geographic diversity, reversibility, exit planning, and vendor choice, among other factors.
To ensure greatest flexibility for FIs to manage resiliency, regulators should encourage a risk-based approach, which may include non-mandatory guidance encouraging the FI to consider factors such as business continuity and disaster recovery planning, geographic diversity, reversibility and exit planning, vendor choice, among other factors. Prescriptive regulations should be avoided. Source: ACCA, Better on the Cloud: Financial Services in Asia Pacific Page 24 of 94 Another update is the change from our scoring model, from a color-coded binary representation used in , to an absolute numeric scoring.
This will give regulators a more granular understanding of how they are doing on the journey toward greater cloud adoption in their market, and may be useful for market comparisons where regulators may see what areas can be improved, and what challenges they or their regulated community may face as FIs adopt cloud services in their market.
For reference, we evaluated the United Kingdom and the United States both a federal regulator and one state regulator, as illustrative. For each market, we evaluated the banking regulations and guidelines against the recommendations to understand if the regulations or guidelines clearly comport to the recommendation.
For each recommendation, we describe below the particular scoring criteria and explain in greater detail the focus of the recommendation. In several markets, regulators have taken actions or made public statements which clearly affirm support for the use of cloud services by FIs.
This may be in the context of government policy, regulations or guidelines, or a widely recognized public statement. Singapore stands out in this regard. This is one of the clearest demonstrations of the changing views among regulators. One particular area that is relevant to embracing cloud is how regulators view personal data that is encrypted. The ACCA would recommend that all regulators consider taking the same approach to enable greater use of the cloud. Better on the Cloud: Financial Services in Asia Pacific Page 26 of 94 Recommendation 2: Regulations should set out a clear and not unduly burdensome process for FIs to follow when adopting cloud services.
Such processes are proportionate, practical and not unduly burdensome. A clear process provides greater certainty for compliance. Furthermore, the process should not be unduly burdensome. In the first instance, we look for clarity on whether cloud computing use is explicitly indicated as a possible option for FIs. For example, does it appear as one of a number of services which fall under a FI outsourcing policy or guideline, or has the regulator developed a technology risk management framework that governs technology use by FIs?
In the United States, regulations of the Office of the Comptroller of the Currency, the primary federal banking regulator, set out a clear process for FIs to follow when entering into an outsourcing arrangement e. The federal interagency body that establishes cross- agency principle-based policies, the Federal Financial Institutions Examination Council FFIEC , has an Outsourcing Technology Services Booklet bringing together the range of applicable laws and regulations and detailing the procedure and requirements to follow when outsourcing technology, which the FFIEC has separately stated is applicable to cloud.
For example, many of the above-mentioned markets have regulations which detail due diligence and accountability mechanisms for FIs.
At the same time, even if regulatory requirements and processes are clear, they should be proportionate to any risk and not be unduly burdensome. This can deter or slow technology adoption and innovation. The majority of cloud regulations today do not differentiate between cloud deployment models, i. In addition, many regulations add unnecessarily onerous responsibilities for FIs when it comes to cloud adoption, by requiring outsourcing arrangements and approvals: FIs are generally required to execute outsourcing processes for each deployment of IT applications to the cloud, which can be highly repetitive, time-consuming, and inefficient.
In addition, there is significant fragmentation among different regimes in APAC that require FIs to repeat such processes in every country which is extremely burdensome for global or regional FIs that provide services cross-border. This approach will allow FIs to benefit from faster time to market and the ability to redeploy resources, from repetitive compliance management to higher-value add propositions.
The approval process should be clearly described, follow a transparent and objective process with clear requirements, prompt deadlines and criteria for approval and offer the FI or CSP a right to appeal.
The approval process is not clearly described, or does not follow a transparent and objective process with clear requirements, prompt deadlines and criteria for approval and offer the FI or CSP a right to appeal. In some markets, the regulator requires approval for each occasion an FI intends to place a workload on a cloud service.
The process can be highly repetitive, lengthy and opaque, which can impede cloud deployment. For an outsourcing arrangement with a CSP, there should be no requirement for a regulator to approve the use of cloud services by an FI. CSPs, particularly if they are multinational service providers, typically maintain their services to meet the highest international standards and global best practices to meet the demanding needs of global FIs. One of the key benefits of cloud computing is the ability to move workloads efficiently and quickly as needed in an agile and scalable environment.
Onerous approval processes whether formal or de facto can deter or delay technology adoption and innovation. A better alternative to approval for each workload would be to integrate the use of a risk assessment framework when the FI engages the CSP.
Notification to inform provides the regulator the opportunity to consider compliance without delaying the deployment unnecessarily. Any regulatory process should be proportionate to the risk involved.
As for any approvals or notifications if absolutely necessary , these should be limited to critical or at least material workloads.
Furthermore, as noted above, all regulatory processes should be streamlined to the extent possible. Criteria for assessing materiality are clearly defined.
Regulations clearly differentiate applicability to material and non- material workloads, and non-material workloads are exempt from additional documentary requirements applicable to material workloads , but other onerous regulatory requirements apply to non-material workloads.
Regulations should be clear as to their applicability to material workloads or non-material workloads. This distinction corresponds to the risks to the FI. Risks to non-material workloads are much lower or often present no risk to the FI. Therefore, non-material workloads should not be subject to the same compliance burden as material workloads or any regulations that could bar the use of cloud computing, as risks are low and oversight requirements are nominal.
Further, there should be recognition that not all material workloads are critical workloads; for critical workloads, there may be particular requirements. If there are regulations applicable to non-material workloads, they should be minimal. Distinguishing regulations for material versus non-material workloads allows an FI to align security controls to actual risk, providing for more controls related to material workloads than for non-material workloads, and focusing resources on areas of higher risk.
CPS only applies to the outsourcing of material business activities. The internal audit and risk management functions are both considered to be material business activities. Material outsourcing is also subject to prior consultation with APRA and a notification requirement once the entity has entered into the agreement. Similarly, in Taiwan, Article of the Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation clearly defines that material operations and different regulations apply with respect to material and non-material operations.
In addition, clear distinctions have been made between critical and non-critical systems. In the context of data management for FIs, the data controller is the entity that makes decisions on how and why the data is being processed. The distinction between controller and processor is important, because the responsibility for compliance for outsourced activities cannot be outsourced. For many cloud services e. An important aspect of this is how risk is allocated.
Risk, and therefore liability, cannot be outsourced, and recognition of this fact must be clearly distinguished in regulations. Most often, we find the distinction between controller and processor in personal data protection or privacy laws.
However, in some markets the distinction is made in the context of FSI outsourcing guidelines or regulations. Many markets have bank secrecy laws which have not been updated to reflect how data and information are used today.
We recommend that such laws be updated to take into account the use of cloud services where obtaining individual consents from FI customers is not feasible for the FI or CSP. Better on the Cloud: Financial Services in Asia Pacific Page 32 of 94 Recommendation 6: Regulations should permit cross-border data transfers and should not require data to be stored in a specific geography Scoring a.
This is another flavor of data localization. For example, an FI in one city may be required to maintain redundancy in another city many miles away, but within the jurisdiction of the regulator. Data localization reflects the incorrect perception that in order to have oversight and access to data, it must be stored within the jurisdiction of the regulator. Here you can control cookies using the checkboxes below.
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