Criticism of Spotify not think his fans deserved the low quality they were receiving, and said it was bad for his music. Young's music has since returned to Spotify and other streaming services. In response, Spotify claims that they are benefiting the music business by "migrating them away from piracy and less monetized platforms, and allowing them to generate far greater royalties than before" by offering a free, ad-supported service tier, and then encouraging users to opt into the paid subscription. In June 2012, Charles Caldas, CEO of the Merlin Network (a representative body for over 10,000 independent labels), clarified that Spotify pays
RBS International be migrated to the NatWest brand, while business, commercial and corporate banking customers would remain under the RBS International brand. The NatWest trading name was changed to NatWest International in 2017, due to new ring-fencing legislation in the UK. RBS International The Royal Bank of Scotland International, trading under the NatWest International, RBS International and Coutts Crown Dependencies brands, is the offshore banking arm of The Royal Bank of Scotland Group. It provides a range of services to personal, business, commercial, corporate and financial intermediary customers from its base in St. Helier, Jersey. The Royal Bank of Scotland first began