This ISV Services Integration and Reseller Agreement (this “Agreement”) is made on the date shown above (“Effective Date”) by and between San Jose Solutions Inc. Retail Transactions. 1. It’s about providing the flexibility of security, convenience and design in the payment system for the merchant and their customer both, through customization options. It’s actually very simple. It is having CAGR of around 7. The road to becoming a payments facilitator, according to WePay founder Rich Aberman, is long, expensive and technologically complex. Login. This dashboard has three tabs: Customers: Create a private offer for a customer to buy direct from the Azure portal. Pay the outstanding interest amount to avoid interest capitalization. Being able to process cross-border payments is a great business advantage. In other words, access should be granted on a “need-to-know” basis. Like many other companies that manufacture self-serve and unattended systems for a wide range of business applications, carwash manufacturers utilize proprietary software from an ISV along with their own hardware. Tap into virtual and community events to expand your knowledge, get advice from Microsoft experts and. In this article. There are many reasons why an independent software vendor may choose to add an integrated payment solution to their software package. Examples of loss that may be claimed by a relative or dependant of the person who sustained a fatal. Splitit’s Installments-as-a-Service (IaaS) platform will be embedded into APPS’s suite of white-label booking, boarding tools, API’s and merchant facing. Customer and vendor payments import and return messages. The agreement specifies that the lease payments will increase every two years based on the increase in the consumer price index for the preceding 24 months. All things being equal, payments integrated with an existing platform is superior to the opposite. CardPointe's browser-based POS system. Payment Processors are responsible for authorization, authentication, data security, settlement, clearing, and reporting services, while ISOs focus on sales, marketing, merchant support, customer service, and value-added services. Subscribe: $29. Learn more. They’ve partnered with Zapier to funnel their accounting data from Shopify to Google Sheets, Wave, and other. For instance, marketing agencies using an ISV that helps them manage their business can quickly accept customer payments without configuring payment gateways. e. ISOs have provided merchants with their payment terminals, ePayment systems and other support, while ISVs have complemented these with software solutions. A critical component is how card readers integrate to the ISV’s software. Examples of Independent Software Vendors. When a software product incorporates a feature as important as payments, the ISV can offer a ton of value to its merchant clientele and significantly enhance user experiences for those merchants’ customers. We would like to show you a description here but the site won’t allow us. Read how Azure Cognitive Services helps Uber verify drivers and Text Request respond more accurately to customers. 00 and secure it to the ground. It is no secret that payment facilitators represent a large and important. An example of an unsecured debt is a (n) _____. Emergence and rising adoption of cloud-based solutions among end users is likely to enable the growth of the independent software vendors (ISVs) market during. ISV Examples What is an ISV? An independent software vendor, or ISV, is an individual or organization that develops, markets, and sells software solutions that run on one or more computer hardware providers. In this example (for the iDEAL payment method), the Local Payment Methods Simulator will then be displayed. Centric and Atos are two well-known system integrators. 23 So the whole council got up and took Jesus to Pilate. Sign docs for free. ISVs create software for companies in the payments industry. Properly considering these options before pursuing a course will prove beneficial for development costs, customer features and the overall. Pay with •••• 7878. For example, merchants were able to interact with customers in new ways including Pay-at-the-Table options in restaurants, in-aisle checkout in retail and more. For example, an ISV develops an application that depends on a database. ISOs typically earn revenue through commissions on merchant account sales, residuals from processing fees and other merchant-related services. Example: s=7680701046572600. We gathered with our 400,000 partners to celebrate our shared contributions and impact on businesses and industries. Today at Microsoft Inspire 2023, we announced general availability of ISV success, the pathway within the Microsoft AI Cloud Partner Program for partners who develop software, or Independent Software Vendors (ISVs). Viva Payments for Laravel. Square. 3. WASHINGTON, D. Because Cloudfy has been designed specifically for the needs of 21 st century B2B ecommerce, integration with key business. From the moment you book a ride to the time you reach your destination, the entire transaction, including tipping, is handled within the. Increasingly, ISVs have found value in integrated payments solutions to better process, reconcile and record payments without having to overhaul their entire software infrastructure. Discover all ServiceNow products. Computers, tablets, and smartphones no longer require a customer to purchase boxed software. You choose the transact option when you. Our ecosystem of. ISVs create software for companies in the payments industry. The payment forms can be integrated directly into your check-out. An independent software vendor ( ISV ), also known as a software publisher, is an organization specializing in making and selling software, as opposed to computer hardware, [1] designed for mass or niche markets. According to expert projections, the number of unique ISVs worldwide is expected to hit one million by 2027—up from just 175,000 in 2018. Providers that understand the requirements of ISOs and ISVs, such as Paysafe, can provide both the insight and guidance to evolve in order to meet their customers’ changing needs. A notable example of this trend is Amazon’s, AmazonGo stores. Viva Wallet provides a variety of public and private APIs. Upper Sigma is an example of an SI that has also developed its own ISV product. To learn about the ISO/ISV convergence, and how payment. The partnership will create many new buy now pay later (BNPL) options for merchants to access as part of APPS white-label acquiring programs for ISO's, ISV's and Payment Facilitators. Like many other companies that manufacture self-serve and unattended systems for a wide range of business applications, carwash manufacturers utilize proprietary software from an ISV along with their own hardware. Stripe users can take advantage of prebuilt, optimized UIs or custom-built onboarding flows, making it easy for platforms and marketplaces to get their users up and running quickly. X in case he took a $100,000 loan with a 6% interest rate and considering it is an interest-only loan, the computation would look like this: a: the total amount of the loan is $100,000. The 2021 North America Merchant POS/mPOS Software ISV List is a list of over 175 top POS ISVs (independent software vendors) in the North American POS and mPOS markets for merchants and retailers. ISOs sell payment solutions to merchants, with wholesale ISOs offering additional services such as customer support. Once the deal is signed, the SI partner helps the client adopt the software and drive value for the remainder of the customer lifecycle. 5 percent. You should confirm the payment result with the combination of OrderCode and TransactionId parameters. Using Smart Checkout, you have the option to indicate to your customers, your desired preselected payment method. The vendor remains the owner of the property throughout this process. While this may alarm traditional financial institutions, which have historically viewed fintechs as industry. Used vehicles imported from any other country (Switzerland or the USA for example) don't get any age discount on ISV and also have to pay 23% VAT (IVA), on top of any other customs duty, which range from 0% to 10%. Tip #5: Keep Your ISV Partner Informed About Changes in Your. Bank statements. Local payment methods. The payment connector will include some or all of the following folders: Note. 1 Complete or nearly complete. For example: let’s say you use a 3rd party to process payments, and one of your merchants finds out you do that and wants to be able to do it on their own. Report and pay the royalty for: o the version of the Product as included in the present Product List, or. Ship to. In the world of Microsoft Dynamics 365 Business Central (formerly known as Microsoft Dynamics NAV or Navision), ISV partners deliver solutions that provide additional functionality that is not available with. Examples 1, 2, 7, 8 and 14); – decreasing the scope of the lease by removing the right to use one or more underlying assets (see . Code from anywhere with Visual Studio and Visual Studio Code and collaborate using GitHub. Elastic Cloud (Elasticsearch) – An Azure Native ISV Service. A powerful, two-screen point of sale (POS) system that allows merchants to run their business and their customers to initiate payments. Under Installed > Dynamics 365 Items, choose Configuration. For example, up to 50% of small businesses now use ISVs as payment providers, according to a recent McKinsey report. Payments are integral to this goal, and offering payment facilitation will undoubtedly boost your revenues. TSG has completed research on approximately 1,000 different ISV companies spanning a dozen verticals. Start today; Explore marketplace self-serve resources. For example. The patent licensee agrees to pay the patent licensor royalties, typically a percentage of the product’s gross sales that incorporates the patent or a fixed fee. Alongside, your customers have the option to select to pay with any other payment methods. Its Paya Connect is a fully integrated payment platform that allows software developers to create flexible, secure payment and commerce solutions. 2% market share in license,. Sub Menu Item 7 of 8, Hosted Payments Page. July 09, 2007, 01:00 AM EDT. If you make monthly payments on the same loan, then use 10%/12 or 0. This growth will be further fueled by the continuing expansion of marketplaces and social commerce, as small and even micro businesses (such as content creators) start to use payments software and services. Create and manage private offers from the Private offers dashboard in Partner Center’s left-nav menu of the Marketplace offers workspace in Partner Center. ISV payment integration benefits & opportunities. Global SEO marketing is typically a mixture of localising the content, choosing the right search engines, and understanding keywords. Our guidance is intended to help you to build your own multitenant software solutions on top of the Azure platform. With wallee, it is very easy to offer your customers modern payment methods such as credit cards, Apple Pay, Google Pay, TWINT and many more. Payment companies such as NMI that value their ISV partnerships and do everything they can to make integrations as simple as possible. In the list, choose License Code and name the license code. On the one hand, Microsoft maintains what it calls an "integrated stack" from the server and client operating systems. 8%. -based AZ Payments Group, says in an email that “WePay is a great asset and will be a great addition to Chase’s ISV business. Settings: Business Settings, Financial Settings and Invoice Settings. Pour ce faire, un ISV propose des contrats de licence à ses clients (qu’il s’agisse d’entreprises ou d’utilisateurs individuels). Payment Partnerships. Today at Microsoft Inspire 2023, we announced general availability of ISV success, the pathway within the Microsoft AI Cloud Partner Program for partners who develop software, or Independent Software Vendors (ISVs). ISOs rely mainly on residuals, a percentage of each merchant transaction. 21 Check out as guest. Fiserv is letting software firms access the world of text-based payments. For example, let’s say you’re a salon owner using an app to manage all aspects of your business (an ISV or SaaS platform. Published on Jun 15th, 2020. ISVs, on the other hand, generate income from the sale or licensing of their software products, which can include one-time fees, subscription fees or usage-based. The instructions within the attached documents, which replace all previous editions, ensure that you get correct payment/delivery. With Zuora, you can move with agility, at scale, and respond to market changes with speed. A payment is required. But an ISV likely doesn’t have the expertise necessary to handle payments issues in-house, requiring it to forward support requests to its ISO partner. News/Blog. Competing in the MarTech industry as an Independent Software Vendor (ISV) can be challenging due to the large number of companies in the technology stack. (ISV) to help. jane. Discover PayPal's third-party integrations and partner directory. Examples include SaaS platform providers, franchisors, and others. A full-service payment partner will offer a comprehensive growth program for their ISV partners to help them tackle go-to-market strategies and marketing campaigns, among others. Technology partners. According to a 2017 report by investment bank, Piper Jaffray13, 29% of ISOs, VARs and ISVs say that their SME merchant customers have requested an omni. With the API, no wishes. Example 2 – Variable lease payments dependent on an index Entity Q enters into a ten-year lease of a property with annual payments of CU5,000 payable at the beginning of each year. Taxes: Tax Rates, Tax Schemes and Tax Return Frequencies. And it needn’t stop. SIs often sell their ISV partners’ software in the early stages of the sales cycle and then hand the prospect off to their ISV partner to sign the contract and provide direct payment for the ISV’s software. The Voice (VOICE) Luke 23-24. The idea of integrated payments, as an ISV, means incorporating a payment processing system into a software application that is provided to the customer. Payment Facilitator Paradigm and Beyond: VAR, ISV, Next-generation ISO. Overview. It is an essential function of money. Improve Customer Loyalty and Retention. Centric and Atos are two well-known system integrators. Guide the recruiter to the conclusion that you are the best candidate for the payment processing job. Contactless payments, mobile wallets and tap-to-mobile offerings became the new normal as consumers wanted safer ways to pay. Every element of its functionality, from the operating system to. 1. Additional revenue generation. Digital payment methods, such as IMPS, NEFT, RTGS, IMPS, investments, bank statements, bill payments, etc. An ISV does this by offering licensing agreements with customers (be it enterprises or individual users). Monthly Install Bill Sample. Their chargeback resolution process consists of five steps, and it is intended to streamline the process, save time, and cut down. ISV Success helps you create AI-powered applications across the Microsoft Cloud. In Feature name filter, enter Subscription billing, and then select the module filter. The key to choosing the right integrated payment processing solution boils down to a few key factors. Select the Revenue recognition feature, and then select Disable. An ISV programs, markets and sells their applications, which are accessible to users while remaining the property of the vendor. Integrated payment solutions have a wide range of benefits for ISVs and for their customers. June 14, 2023 ISO Vs. Right-click the project in Solution Explorer, then click Add > New item. Service partners must have at least one solution partner designation in the Microsoft Cloud Partner Program for Consulting Service solutions (aka Marketplace offers) of any solution type. Looking forward to hear the feedback. a mobile wallet is a payment app used to make in-store purchases from a mobile device—examples include Walmart Pay, Google Pay, and Apple Pay. 3. Integrating to one or more processors. Just as fast as the payments industry is evolving, so is the Independent Software Vendors (ISV) market. ISV Success helps you create AI-powered applications across the Microsoft Cloud. For example, an existing ISO arrangement may restrict the ISV from offering payment processing services to merchants signed up under the ISO arrangement. Microsoft Business Central and. January 23, 2020. The figure below illustrates these points. A transactable offer is one in which Microsoft facilitates the exchange of money for a software license on the publisher’s behalf. You must also factor in: Mobile wallets like Apple Pay and Google Pay, and wearable technologies; E-commerce and mobile in-apppayments; ACH, wire transfers and other interbank payments ; Again, the interface can change for each of the above. Credit cards, e-wallets, mobile payments, and bank transfers are. ) The app allows you to accept payments from your clients through several channels. Here are some of the benefits and best practices: 1. Providers that understand the requirements of ISOs and ISVs, such as Paysafe, can provide both the insight and guidance to evolve in order to meet their customers’ changing needs. ISV partners are independent software vendors that deliver all types of software and/or Software-as-a-Service (SaaS) offerings to address customer business or technical requirements. In doing so, we can help everyone in the ecosystem thrive in this fast-moving landscape. The embedded payments industry is growing at a rapid pace, with revenues expected to grow from $43 billion in 2021 to $138 billion in 2026. So, what is an ISV? ISV stands for Independent Software Vendor. Examples of factors affecting ISV scale for item 3 : The same examples apply as for item 2. Key Takeaways. EPS. Features of Promissory Note. Integrating to one or more gateways. Send a Message. As SaaS providers look to innovate, there is tremendous value in partnership. APPS will integrate Splitit into its processing platform and. As shown in Figure 4, many European payment service providers have embraced integrated payments and ISV/SaaS distribution partnerships and are now being rewarded with the corresponding growth. For instance, marketing agencies using an ISV that helps them manage their business can quickly accept customer payments without configuring payment gateways. Your solutions are listed together with our Microsoft solutions,. Forms, Tech & IT. Patent royalties are payments made by the patent licensee to the patent licensor in exchange for the right to use the patent. We gathered with our 400,000. With wallee, it is very easy to offer your customers modern payment methods such as credit cards, Apple Pay, Google Pay, TWINT and many more. Upper Sigma is a boutique Salesforce SI that helps businesses in the legal, financial, and professional services space audit and optimize their workflows and results from Salesforce. by retrying to pay using a different payment method), so a Transaction Failed webhook may be then followed by a Transaction Payment Created webhook, indicating that the customer has actually managed to pay, despite the original failure. Since most ISVs aren’t payments experts, your ISV payments solution partner can help enable a flexible and streamlined payments process that includes every method you choose to deliver. Global payment processing has become crucial to ISVs and their operations. Incomplete paralyses causing whole person impairment of less than 40% must be assessed under orthopaedic injuries if it is the only injury or the dominant injury . If they prefer using mobile wallets in. To reap the maximum benefits from your upselling techniques, focus on the following strategies. The challenge for ISVs and their payment partners is to leverage that data to improve the customer experience by, for example, reducing the number of clicks required to make a purchase or making it easy to buy online and return in-store. When an ISV offers payment processing to its users, it becomes the face of that service and the front line for support. BLIK. Custom e-commerce sites and stores are able to deploy our Smart Checkout solution quickly and easily to offer a wide range of payment methods to. Risk-based test process is defined. This growth will be further fueled by the continuing expansion of marketplaces and social commerce, as small and even micro businesses (such as content creators) start to use payments software and services. Also known as independent software publishers, these providers may be either individuals or companies. What to Look for in a Payment ISV: 6 Key Indicators. Typically, ISV offerings also include a payments function so the client can easily receive and process payments from their customers. You can create customer invoices that are based on sales orders or packing slips. The invoice is generated around the ninth day of the month. The Bigger Carry-On Color:. The samples use anonymized data. The adoption of mobile payments is fuelled by smartphone uptake, high-speed mobile data networks, and the. Do more with less—explore resources for increasing efficiency, reducing costs, and driving innovation. Innovate with Azure Cognitive Services and low-code technology with Power Platform that help you develop apps quickly. For example, up to 50% of small businesses now use ISVs as payment providers, according to a recent McKinsey report. In the End User License Agreement section, review the EULA provided by the ISV. Zooming in on ISV Disruption. 2/10 Net 30: Payment is due in 30 days, but the customer can receive a 2% discount for payment within 10 days. Our guest contributor for this blog is Yvonne Muench, Senior Director, Marketplace & ISV Journey. Examples include software for real estate brokers, scheduling for healthcare personnel, barcode scanning, stock. ISV Services Integration and Reseller Agreement. Some charge monthly, while others charge flat rates. Identifying different payment terms is essential for any size business. For example, in addition to the progressive imperfect (e. SIs combine the hardware and/or software components of third-party vendors (think: their tech partners) to build a custom system that meets a customer’s needs. An ACH return happens when a bank returns an electronic funds transfer (EFT) to the originating institution. Industry-Leading Security Features. Square has become a favorite. [With Template & Examples] November 24, 2022. ISVs create, promote, and market applications that are available to users while still being the vendor’s property. 5. Clover POS systems are fully customizable and come equipped with tons of business management apps for the most efficient operations possible. Customers under an MOSP receive a separate invoice for Azure Marketplace purchases. 2023 North America Merchant POS/mPOS Software ISV List With Marketshare. It has multichannel payments, including. An example is the Payroll Action Form app that replaced a fax process and resulted in faster and more accurate payments to associates. Your customers are up and running in less time for less money with less hassle, helping you strengthen their brand and win more business. 1. However, international credit card payments are typically made in the merchant’s base currency and subsequently converted by the card’s issuing bank to the buyer’s home currency, with the cardholder paying a foreign exchange conversion fee to the card issuer. Weigh the Costs. TANGO is today's modern payments platform, using state-of-the-art technology to address business needs both now and in the foreseeable future. A payment gateway is very similar to a payment processor in that it is a tool that transmits payments between the customer’s bank and yours. The ISV-IPS Connection. Build your own AI and large language models (LLM) with Azure OpenAI in a private enterprise-grade environment. Giving them a product that integrates payment processing streamlines. enquiries@isv. Other billing cycles tend to be variations on these common. Started working remotely in May 2021 for a multi-billion ZAR concern, SuperSwift (of Shoprite), regarding national & cross-border payments. In total, SMBs are expected to spend more than $100 billion on payments services by 2025 2 —an opportunity that merchant acquirers. Learn more about the ISV Royalty Licensing Program >“As consumer demand fuels the software-led payments evolution and ISVs focus on building for the future, Fiserv is expanding its digital payments capabilities into conversational commerce,” said Jon Halpern, Head of ISV at Fiserv. From this section you can download in PDF or XLS the monthly extraits for transactions made through Viva Payments using the business debit card(s). Machine Learning / AI automation / Chatbot / Blockchain. Lower-level personnel should never have access to higher-level information. Ticketing at Theaters and Entertainment. Patent license agreements govern these. ISVs appear most disruptive within the offline SMB segment, with notable growth in software adoption among SMBs. Successful partnerships create a seamless customer interaction infrastructure by leveraging each other's products and marketing teams. Learn more about. ISVs often distribute their software on marketplaces. To address this trend, ISOs and ISVs both need to consider how many payment methods their PSP partners are able to process. This enterprise software is usually sold to organizations or individual end-users through commercial license agreements. 0800 051 9410. The three most common subscription or recurring billing options for SaaS are “monthly only”, “yearly only” or “customer choices between monthly or yearly”. For example, hospitality (inc. Gain access to a platform that includes developer tools, code samples, and expert resources to assist with full or semi-integrations with our payment API. These examples are just for in-person purchases and credit cards are only scratching the surface. Market Pay Group (“Market Pay”) today announces that it has signed an agreement for the acquisition of Polish fintech Novelpay, including its French subsidiary PAX France Novelpay, to further accelerate the development of its pan-European payments platform. The company’s new Purchase Orders system aims to streamline. This workflow can result in a frustrating experience for the ISV. *. Exclusivity provisions in existing contracts can hamper adoption rates. The software might provide a payment gateway integration that merchant account details can be plugged into, but users were on their own when it came to getting the merchant account itself. j. Looking at nuclear glass darkly That's according to Scott Hebner, vice president of. Microsoft Dynamics GP, also known as Great Plains Software, is a Microsoft Accounting Software specially designed for small to medium-sized businesses. An ideal payment processing solution for ISVs should be PCI compliant and offer point-to-point encryption (P2PE) to protect cardholder data. Unsecured debt interest rates are usually _____ when compared to secured debt. The ISV® is free in electronic editions. Stay ahead of the curve with development tools and services that support AI, analytics, and data. Schedule 7 – for calculating the dollar value of ISV points. For any platform that has already explored payments, legal advisers have an important role to play. A customer may retry a payment (e. The accelerators provide opportunities to rapidly build vertical, industry-focused apps, in addition to enabling system integrators to help scale and support these new apps and solutions. Providers that understand the requirements of ISOs and ISVs, such as Paysafe, can provide both the insight and guidance to evolve in order to meet their. 15 Million By 2026. He claims to be the Anointed One and a King Himself. A few that are top of mind, as indicated in PwC’s Payments 2025 and Beyond report, include: . An ISV (independent software vendor) develops and sells custom software products that run on one or more. 8% to approach nearly $33. Thankfully, an ISV payments partner can handle. As you think about what your. payments with an ISV remain processing with the ISV’s integrated acquirer for 34 months on average, compared to 30 months for all other merchants, U. Interest bills are sent 30 days prior to borrower entering repayment. VARs and ISVs need to remind merchants to keep security top of mind and provide the solutions. WePay provides an out-of-the. How can you stand out in the crowded field?. Low risks can be considered on a watch list. Allowing different merchants to be specified on a per-sale basis is particularly useful for resellers or for cases in which money should be paid out to more than one merchant. ” A relatively new payment option, text-to-pay has been gaining momentum in recent years. ISV Success for Business Applications – Microsoft Partners (ISVs) previously enrolled in the ISV Connect program (now part of ISV Success) and/or are building applications for a live Dynamics 365 Dataverse or Operations offer can redeem their free benefit licenses as outlined in the ISV Success for Business Applications program documentation. Difficulties abound when a behemoth bank or tech platform purchases an ISV’s payment partner. Of the two cash flows, one value is fixed and. Click Add. SIs are often referred to as “solutions” or “consulting” partners. Published on Jun 15th, 2020. 4 percent between 2021 and 2028. pbix). For example, some of our ISV clients prefer to work as referral partners where they integrate with our payment gateway and refer merchants to set up accounts within our platform. B2B ISV-Payments in the Enterprise Segment. Upper Sigma can partner with ISVs to implement their ISV partners’ products for. Properly considering these options before pursuing a course will prove beneficial for development costs, customer features and the overall. At the same time, a merchant using an ISV/VAR platform together with payments is going to have a harder time leaving. As an extra layer of confirmation, you have the. Brothers, OR 97712. Take payments on the go with our 100 percent mobile system. Provide the required listing and document information on the Co-sell > Solutions page. The ultimate goal for the partner here is to provide support for the ISV in a way that it can gain more customers and build its business growth. Understanding the difference between vertical vs. This way, you can position yourself in the best way to get hired. To make sure your SaaS grows at a rapid pace, you should consider these details when choosing a payment ISV: Payment Options. Principles of Translation. 3. That’s threatening traditional players’ standing in the merchant acquiring space. Simply put, an ISV makes software that is compatible with your ERP system. Finding the best payments partner is one of the most important goals for ISVs as they develop merchant solutions. 94 trillion by 2027. It’s simple and easy to implement. One-time purchase: Operating systems like Windows are great examples of one-time purchase software. horizontal SaaS may significantly improve your business growth strategy. 5 billion in license, maintenance and subscription revenues. If this happens, you, as the software company, will need to contact the 3rd party processing company for their onboarding agreements, which are typically long – like 80 pages long. 2. Through its SaaS, this ISV helps dentists maintain client records, set appointments, communicate with patients and create invoices. Shopify has partnered with Stripe to sync their payment processing data from sales with Stripe (which supports payments like standard credit card transactions, ACH, Google Pay, and more) with their online marketplace platform. For example, up to 50% of small businesses now use ISVs as payment providers, according to a recent McKinsey report. Download the Power BI report files (.