Heat
Most of that is covered in thermal dynamics. Also, most physics books actually have a section called energy conservation.
Heat is transferred from sand to towel to body by conduction because of direct contact.
In a liquid, forces are basically transferred as pressure.
Yes, energy can be transferred that way.
MT103/23 is still TT (Tested Telex) but with condition to release money to your account, let say your buyer made MT103/23 and state that upon the presentation of POP or Invoice or BL, and that's it. It's not scam but you need to know what is that and what you have to deal with
Can MT103-23 be discounted?
MT103 and MT760 are international financial transaction code numbers. The code, MT103 SWIFT message is the most commonly used.
MT103/23 is still TT (Tested Telex) but with condition to release money to your account, let say your buyer made MT103/23 and state that upon the presentation of POP or Invoice or BL, and that's it. It's not scam but you need to know what is that and what you have to deal with
Digital Money
An MT103 is a SWIFT message sent to make a transfer of funds. It is commonly known as a 'wire transfer' because the payment is made electronically (over a wire). There is no 'conditional' to an MT103. It will happen and is, by definition, unconditional.
Lots of money could be.
The three ways money is transferred from savers to businesses
£2500 Can be legally Transferred Any more it is illegal
The MT103/23 does NOT exist any longer. If you are being asked to use it it is a joke. MT103 is a NON-CONDITIONAL payment method. You CANNOT add conditions to it because it would effect the "pass-through" of the MT103. No bank will even accept it they just ignore it and pay the funds out as directed by the MT103 not the field 23 which is no longer in use. If you are being offered an MT103/23 option I would advise you to run. It is usually a sign that someone in the chain does not realise it is a scam or they hope that you do not as it used to be in use but not for this purpose. Why request a format that is no longer used and would be ignored even if you tried.
MT103 is a Single Customer Payment between the two customer accounts across the banks. Its a cross border payments.
To drawdown a loan simply means using the money, i.e actually having it transferred from the bank to your account. You will be charged interest from the date of the drawdown.