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new Request a free sample copy in PDF or view the report summary: https://www.expertmarketresearch.com/reports/telemedicine-market/requestsampleTelemedicine Market OverviewUnderstanding Telemedicine This encompasses a wide range of services, from virtual doctor consultations to remote patient monitoring and telepharmacy. Telemedicine eliminates the need for physical presence, making healthcare services accessible to individuals globally.Market Size and Growth The telemedicine market achieved a substantial market size of USD 73.1 billion in 2023 and is poised to continue its growth journey with a CAGR of 19.3% from 2024 to 2032, ultimately reaching a staggering USD 377.0 billion by 2032. This remarkable growth can be attributed to several key factors, which we will explore in detail.Telemedicine Market DynamicsTechnological Advancements The rapid evolution of technology is a driving force behind the telemedicine boom. High-speed internet, smartphones, wearable devices, and improved telecommunication infrastructure have all played pivotal roles in making remote healthcare services accessible. Telemedicine platforms now boast high-quality video and audio capabilities, ensuring seamless communication between patients and healthcare providers.Increased Adoption of Teleconsultation The widespread acceptance of teleconsultation has been steadily increasing. Patients have come to appreciate the convenience and accessibility of virtual appointments, particularly for non-emergency consultations. The COVID-19 pandemic further accelerated this trend, highlighting the importance of remote healthcare services.External Telemedicine Market TrendsChanging Regulatory Landscape Governments and regulatory bodies worldwide are adapting to accommodate telemedicine. They are implementing policies and regulations to ensure patient safety, data privacy, and the growth of telehealth services. Staying informed about these evolving regulations is crucial for telemedicine providers.Remote Monitoring and IoT Integration The integration of Internet of Things (IoT) devices into telemedicine has opened up new possibilities. Remote monitoring of vital signs and health parameters enables proactive healthcare management. Patients can transmit real-time data to healthcare professionals, leading to more accurate diagnoses and treatment adjustments.Explore the full report with the table of contents: https://www.expertmarketresearch.com/reports/telemedicine-marketTelemedicine Market SegmentationPatient Demographics Telemedicine serves a diverse range of patients, from tech-savvy individuals to the elderly and those residing in remote areas with limited healthcare access. Understanding these demographics is vital for tailoring services effectively.Specialty Areas Telemedicine extends beyond general consultations to various specialty areas, including telepsychiatry, teledermatology, teleoncology, and more. Each specialty has unique requirements and considerations, necessitating market segmentation.Telemedicine Market GrowthGlobal Expansion Telemedicine knows no geographical boundaries. Its reach is expanding worldwide, with healthcare providers, tech companies, and startups entering the market from different corners of the globe. This global expansion is contributing significantly to the industry's rapid growth.Improved Patient Outcomes Research indicates that telemedicine can lead to improved patient outcomes. Timely consultations, continuous monitoring, and better access to healthcare professionals contribute to early diagnosis and effective management of various medical conditions.Recent Developments in the Telemedicine MarketTelemedicine Platforms Telemedicine platforms are continually evolving to offer more features and capabilities. Many now integrate electronic health records (EHRs), prescription management, and secure patient messaging, enhancing the overall patient experience.AI and Telemedicine Artificial intelligence (AI) is making its presence felt in telemedicine. Machine learning algorithms are being employed to analyze medical data, predict patient outcomes, and enhance diagnostic accuracy. The integration of AI promises to revolutionize telemedicine further.Telemedicine Market ScopePatient Convenience Telemedicine offers unparalleled convenience to patients. They can schedule appointments at their convenience, eliminating the need for lengthy commutes and extended wait times in crowded waiting rooms.Cost Savings Telemedicine presents cost savings for both patients and healthcare providers. Patients save on travel expenses and time, while healthcare providers can optimize their resources more efficiently.Telemedicine Market AnalysisKey Players The telemedicine market boasts a diverse array of key players, including established healthcare institutions, technology firms, and startups. Prominent players include Teladoc Health, Amwell, Doctor on Demand, and numerous others. These companies offer a wide array of telehealth services and continue to innovate in the field.Patent Analysis Analyzing patents is crucial to understanding the technological innovations propelling the telemedicine market. It offers insights into the key players' areas of focus and hints at potential future developments.Grants and Funding Monitoring grants and funding within the telemedicine sector provide valuable insights into market trends and growth areas. Government support and private investment often signify confidence in the market's potential.Clinical Trials Clinical trials within the telemedicine realm are essential for validating the efficacy and safety of remote healthcare solutions. Keeping abreast of ongoing trials can provide valuable information about emerging telemedicine treatments and technologies.Partnerships and Collaborations Partnerships and collaborations among telemedicine providers, healthcare organizations, and technology companies are commonplace. These alliances often result in innovative solutions and expanded service offerings.FAQ: Addressing Common Questions1. Is telemedicine as effective as in-person visits? Telemedicine has proven highly effective for many types of consultations and follow-ups. However, certain cases necessitate physical examinations or procedures, mandating in-person visits.2. Is telemedicine secure and private? Telemedicine platforms prioritize security and privacy, employing encryption and adhering to stringent data protection regulations to safeguard patient information.3. How can I access telemedicine services? Accessing telemedicine services is straightforward. Many healthcare providers have their telemedicine platforms or collaborate with established telehealth companies. Patients can typically schedule appointments through websites or mobile apps.4. Will insurance cover telemedicine consultations? Insurance coverage for telemedicine varies by provider and policy. Many insurance companies now offer coverage for telehealth services, but it's essential to verify specific plan details.Related Report:Surgical Robots Market...openPR.com, 14h ago
new In a groundbreaking move that echoes his commitment to global connectivity, Billal Ainaoui is currently working on an initiative to introduce over 14,000 free phone numbers from more than 42 different countries. This visionary goal aims to make phone numbers freely available for people to use online. It’s a bold step towards breaking down communication and financial barriers – creating a world where connectivity transcends borders.Journal of Cyber Policy, 17h ago
new Global trade is a vital engine of economic development, allowing countries – including their large corporates and SMEs – to integrate into the global economy, widening access to a greater range of goods and services. However, global trade heavily relies on trade finance, and financial institutions are critical actors in the promotion of sustainable trade and climate change policies, through financing environmentally and socially responsible trade activities.UNCTAD, 20h ago
new In a groundbreaking move that echoes his commitment to global connectivity, Billal Ainaoui is currently working on an initiative to introduce over 14,000 free phone numbers from more than 42 different countries. This visionary goal aims to make phone numbers freely available for people to use online. It's a bold step towards breaking down communication and financial barriers - creating a world where connectivity transcends borders.EIN Presswire, 19h ago
new One of the major barriers to addressing the planetary crisis is the financing of fossil fuels, and financial institutions (FI) provide a significant portion of the capital. Of the 575 FIs that disclosed through CDP in 2023, a staggering 50% report an estimated US$9 trillion in exposure to fossil fuels across their portfolios—an amount equivalent to the combined GDP of Japan and Germany. FIs must lead by example by directing capital toward renewable energy, enhancing portfolio resilience, and future-proofing operations and the economy.cdp.net, 20h ago
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new Despite the recent backdrop of a challenging economic environment for buyouts and general deal-making, the pace of capital flowing into energy transition targets hasn’t slowed down. Deals for businesses in the Energy, Resources, and Industrials sector have risen as a proportion of overall deal value from 20% in 2020 to 31% in 2023 year-to-date. Looking forward, we expect to see ongoing momentum as net zero target dates move closer, especially with regards to investment in those businesses set to benefit from the energy transition. Key themes including those highlighted here are expected to drive deal activity, alongside sustainable transportation, cleaner fuels (such as hydrogen), alternative food and agriculture, and green building solutions.sustainabilitymag.com, 1d ago
new The Retiree Drug Subsidy (RDS) is a government-funded program that has historically been the go-to choice for plan sponsors. Established under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA), its simplicity, limited member impact, and convenience made it a reliable option that financially supported plan sponsors in providing prescription drug benefits to their retiree populations. However, the landscape has changed. Shifts in subsidies, changes within the pharmaceutical industry (biosimilars, gene therapies, lower cost generics), and adjustments to tax structures have diminished RDS’s financial advantages. Furthermore, with the Inflation Reduction Act of 2022, the case to move away from RDS becomes even more compelling. It’s time for employers to seriously consider a transition from RDS to an Insured Group Medicare Part D plan (EGWP) or a Medicare Advantage Part D plan.Healthcare Business Today, 2d ago
new These towercos contribute significantly to economic growth, job creation, social connectivity, innovation, global engagement, gender inclusion, and diversity. They have phenomenally increased the scope of the value chain of telecommunications services and other businesses across Nigeria. To speak to the value chain that towercos provide, using IHS Towers’ operations in Nigeria as an example, as at September 2023, the company is stated to own over 16,000 towers, have circa 1,200 direct employees, 40,000 indirect employees, generate over 250MW of electricity collectively to power its sites, move circa 1,500 trucks across the country monthly for its logistics operations, occupies circa 3.6 million square meters of land for its operations across the country and utilizes over 3 million liters of diesel annually to power its sites. The jobs created across these various enterprises have significant impact on the nation and its economy. The company recently announced a partnership with the Federal Ministry of Communications, Innovation and Digital Economy to provide training in technical skills to 3 million Nigerians. The potential impact of this alone could be hugely significant for the Nigerian economy.The Guardian Nigeria News - Nigeria and World News, 2d ago

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Given the disparities in access to credit among family farmers, public policy for these producers needs to consider differences in size, region, and product in order to expand the coverage of financial services to producers who are currently excluded. PRONAF must prioritize the most vulnerable regions and producers so that public policy can be effective in strengthening family farming, boosting economic development, ensuring food security, and promoting sustainability.CPI, 26d ago
In the vast and diverse landscape of African growth investing, more opportunities abound today than ever before. Africa’s recent growth surge has created a large group of companies already scaling successfully, while the current market environment has reduced the capital available. This untapped potential between high quality investment “demand” and reduced capital “supply” extends to various commercial sectors, including logistics, HR, and insurance, all presenting significant high value “white spaces” waiting to be filled. For those looking to invest in Africa, especially in high-growth, digitally-driven companies, these markets offer immense potential.African Investment in Developed Digital SectorsAfrica’s digital sectors are leading the way in terms of economic viability on the continent. These sectors encompass fintech, tech-enabled commerce (such as logistics, supply chain, mobility, digital health, and education), and renewable energy. These industries revolve around key themes like financial inclusion, climate change mitigation, and poverty alleviation.With low manufacturing capabilities, high youth unemployment rates, poor-quality health care, and inadequate infrastructure, Africa’s sustained growth now depends on its digital economy. Crucially, the continent has historically exhibited a remarkable ability to “leapfrog,” for example by embracing a mobile-first approach and swiftly adopting digitally managed renewable energy. This digital-first mindset, often born out of necessity, has made these sectors essential employers, providing opportunities for the millions of Africans entering the job market annually.A Growing Investment LandscapeIn recent years, investment in African start-ups has surged, exceeding $5 billion in 2021. However, this figure has dipped sharply due to global macroeconomic issues and specific African challenges. Despite this growth, two significant “white spaces” continue to exist in the African investment landscape.The first gap is in the range of $10-25 million scale-up funding rounds. The second is the lack of customised, structured non-equity financing to support company growth. Notably, because the vast majority of African investments are impact or mission-driven, focusing on positive social and economic change, this provides a natural path to overlay specific investors’ objectives, such as gender-lens investing, climate positivity, or financial inclusion.The $10-25 Million Funding GapIn the chart below, based on proprietary research, we can see the number of investors active in Africa categorised by the size of their investments. On the left are the traditional African start-up investors, usually committing less than $5 million. To the right are investors, including international or regional players, whose criteria demand larger investments, usually exceeding $20 million. This gap between $5-20 million is where relatively few investors are actively engaged, creating a significant opportunity for future investments. There is a yawning gap: Several forward-thinking funds have recognised this gap and are adapting to address it. Investors like Norrsken, Partech, and TLCom have or will naturally raise larger funds to support these companies’ growth. Simultaneously, the number of quality African companies qualifying for such funding is on the rise, leading to increased demand that will outstrip the capital supply for many years. This persistence in the funding gap presents a compelling investment opportunity.Structured Financings in AfricaNon-equity capital is still in its early stages of development in Africa. Typically, local currency debt is primarily offered by banks, but these institutions are known for being burdensome, expensive, and reluctant to support companies looking to invest in growth, which naturally reduces profitability in the short term. Moreover, their financial products tend to be relatively basic and are usually accessible only to larger, well-established businesses at the top of the economic hierarchy.Dollar-denominated debt, on the other hand, is available in various forms, with a significant portion originating from Development Finance Institutions (DFIs) or similar organisations. However, the innovative financial structures and speed of execution required in Africa are often lacking from these sources.This issue is compounded by the fact that many African companies, particularly those aiming for growth, rely at least in part on selling money in some form to generate profits in their operations. This can take the form of financing productive assets like motorcycles, mobile phones, solar pumps, or even embedded finance such as providing financing to retailers for weekly stock replenishment, funding agricultural inputs with guaranteed off-take, or supporting the deployment of POS terminals for agent banking. We estimate that over 70% of African scale-up businesses generate income through these “money resale” activities.This dependence on money resale for income makes it financially impractical to rely solely on equity financing. Equity returns are typically around 30% annually, while financing margins, especially for commercial financing, are usually much lower. Consequently, companies cannot afford to “burn” capital in this way to simply fuel growth.Examples of this kind of capital are diverse. They include payments companies seeking up to $10 million to support the purchase and distribution of POS terminals to contracted merchants, providers of renewable power products looking to transfer an initial $20 million+ of dollar-indexed receivables generated from three markets to an off-balance sheet Special Purpose Vehicle (SPV), with the potential to expand to $40-50 million to enhance liquidity, and even large companies looking to finance a second year of market entry through a mix of debt and equity, since banks typically require 2-3 years of evidence before lending the first $, even if a client has $100m+ of revenue already.This structured finance gap is often filled by DFIs, which, while invaluable to the African ecosystem, may not be an ideal fit for most growing companies. They tend to be cumbersome, inflexible, demand extensive reporting, and have less tolerance for the dynamic evolution of growing businesses. Although some flexibility has been introduced in recent years, the need for structured finance remains unmet across the continent, necessitating earlier risk-taking and a faster response time than current providers can offer.Victor Basta is CEO of DAI Magister, a global investment banking firm.Financial Nigeria International Limited, 28d ago
Policymakers need to be cautious regarding tech companies' significant political capital. It is vital to involve them in regulatory discussions, but it would be naive to trust these powerful lobbyists to police themselves. AI is making its way into the fabric of the economy, informing financial investments, underpinning national healthcare and social services and influencing our entertainment preferences. So, whomever sets the dominant regulatory framework also has the ability to shift the global balance of power. Important issues remain unaddressed. In the case of job automation, for instance, conventional wisdom would suggest that digital apprenticeships and other forms of retraining will transform the workforce into data scientists and AI programmers. But many highly skilled people may not be interested in software development. As the world tackles the risks and opportunities posed by AI, there are positive steps we can take to ensure the responsible development and use of this technology. To support innovation, newly developed AI systems could start off in the high-risk category - as defined by the EU AI Act - and be demoted to lower risk categories as we explore their effects. Policymakers could also learn from highly regulated industries, such as drug and nuclear. They are not directly analogous to AI, but many of the quality standards and operational procedures governing these safety-critical areas of the economy could offer useful insight.Business Insider, 19d ago
Notably, frameworks, such as the Task Force on Climate-Related Financial Disclosures (TCFD), Sustainability Accountability Standards Board (SASB) and Carbon Disclosure Project (CDP) have become paramount for ESG reporting that can serve as robust standards to satisfy regulators and boost access to capital. Companies are likely to invest in sustainability goals for strong governance, responsible business practices and effective leadership. Of late, regulators have shown an increased inclination for ESG as stakeholders foster their engagement with civil society, employees and customers.Discover more regarding the practices and strategies being implemented by industry participants in the Telecom Services Industry ESG Thematic Report, 2023, published by Astra ESG Solutions @ https://tinyurl.com/jfmjc75uTelecom services have been invaluable in propelling IoT services and applications amidst soaring carbon emissions. According to the International Finance Corporation, diesel generators power more than 90% of the one million off-grid and bad-grid sites, producing over 45 million tons of CO2 annually. Besides, the number of bad and off-grid telecommunications sites is likely to rise by 22% over the next ten years. In the midst of the cacophony, incumbent players are expected to emphasize renewable and net-zero greenhouse gas options.Vodafone Relishes Shift towards Circular EconomyAs stakeholders realize that business goals should not come at a cost to the environment, ESG performance has grabbed immense headlines. Since July 2021, Vodafone Group has powered its European markets with 100% renewable electricity (as per its 2023 TCFD report). The company is bullish on achieving net zero across entire operations by 2040. In a path towards net zero, the British company is committed to reaching net zero for its operations (scope 1 and 2) by 2030.In April 2023, Vodafone joined forces with Citi Group and CDP to minimize scope 3 emissions. Vodafone and Citi Group unveiled plans to provide preferential supply chain financial rates for telecom suppliers exhibiting more sustainable operations, disclosing emissions data and scoring highly against environmental performance criteria.Verizon Communications Bats for Inclusive EnvironmentDiversity across spectrums has become the talk of the town, while other social aspects, including health & safety, product safety & quality, privacy & data security, health & demographic risks, financial product safety and access to communication, continue to gain ground. Verizon has taken a giant leap in diversity and inclusion - 59.7% of employees are women or people of color in its U.S. workforce. Besides, it has injected around USD 55 billion with diverse suppliers over the last 10 years. In June 2023, Verizon-owned Visible rolled out the Pride Month campaign and contemplated donating USD 50,000 to SAGE, an organization advocating for older members of the LGBTQ+ community.Innovators are taking a quantum leap towards providing healthcare benefits, including high-quality comprehensive medical, vision, dental and life insurance coverage to their employees. In 2022, Verizon poured USD 2.5 billion for around 460,000 employees, eligible retirees and their dependents, providing healthcare benefits and services. Additionally, recruiting diverse talent has long been the go-to strategy to stay ahead of the curve. The American company has teamed up with the National Academy Foundation to help high school students for college and careers in STEM.Is your business one of the participants in the Telecom Services Industry? Contact us @ https://tinyurl.com/3hfknshdTelefonica SA Prioritizes Good GovernanceTelecom operators' approach to leadership, transparency, internal controls, ethics and corporate governance can dictate the company's trajectory in the ESG rankings. Operators can report on governance aspects, including whistle-blower schemes, tax strategies, executive pay, board diversity and data breaches. To illustrate, Telefonica claims it has provided training about the code of ethics to more than 91,000 professionals. The telecom behemoth reportedly performed over 18,000 audits on suppliers in 2022; it is contemplating representation of sustainability at 30-35% of the company's financing in 2024.As sustainability receives an impetus with the ESG integration, it is worth mentioning that the Sustainability and Quality Committee oversees the Responsible Business Plan implementation, while the Audit and Control Committee oversees specific aspects, including risk analysis, regulatory compliance and management process. In the Spanish company, independent directors and women account for 60% and 33% of the Board, respectively. Furthermore, the mobile network provider asserts there were no confirmed cases of corruption in 2022 and the preceding year.ESG Creating Value for StakeholdersThe rising recognition of ESG in investment and business decision-making has leveraged telecom service providers to boost their reputation, manage risk, enhance financial performance, adhere to regulations and contribute to a circular economy. Investors are increasingly relying on ESG factors to assess companies and make robust investment decisions. The global telecom service market is likely to expand at around 5.4% CAGR through 2028. With climate change posing risks to the industry, commitment to sustainability could be worth a bet to undergird telecom services.Related Blogs:...openPR.com, 14d ago
Capitalising on Singapore's robust e-commerce market growth, projected by GlobalData to expand at a compound annual growth rate of 16.2 percent through 2025 to a valuation of S$14.2 billion (US$10.7 billion), this partnership is set to seize and contribute to this significant market opportunity. As the digital marketplace evolves at a breakneck pace, this partnership steps in as a shining example of innovation. It blends operational efficacy with astute investment, charting a bold new standard for the success of e-commerce ventures. Fuelling E-Commerce Growth with Strategic Funding & Expertise In the highly competitive e-commerce industry, small and medium enterprises (SMEs) often struggle with the steep initial investment needed for impactful advertising. Addressing this, First Page Digital offers targeted digital marketing strategies, including Search Engine Optimisation and Pay-Per-Click Advertising, to drive sales without the upfront financial burden. Choco Up complements this with "Grow Now, Pay Later", a revenue-based funding model, helping front advertising costs, among others, to enable immediate growth. This strategic partnership tackles the twin challenges of costly early-stage growth and inflexible funding, delivering a 360-degree growth solution where e-commerce businesses pay only after they earn, powering a risk-reduced pathway to success. The importance of this partnership is underscored by IDC's projection of the digital economy in Southeast Asia, South Korea, and Japan (SEAKJ) reaching US$914.9 billion by 2027, coupled with a significant trend in cross-border shopping. A recent report by PayPal reveals that 42 per cent of consumers have become more comfortable with cross-border transactions, highlighting a growing market opportunity that First Page Digital and Choco Up are well-positioned to exploit. First Page Digital's SEO and performance marketing capabilities enable businesses to access these emerging cross-border markets, while Choco Up's funding solutions help them scale their marketing efforts to meet increasing international demand. Profit Enhancement Model – A Synergistic Approach Central to the collaboration between First Page Digital and Choco Up is the Profit Enhancement Model, an innovative strategy designed to synergise marketing expertise with savvy funding tactics. This model is not a mere add-on but is the blueprint of the partnership, offering a dual-edged approach that leverages First Page Digital's expertise in driving sales through optimised online presence and targeted campaigns, with Choco Up's financial ingenuity that provides a funding framework attuned to the rhythms of e-commerce success. The model functions on the premise of shared success – marketing initiatives from First Page Digital are expected to drive up e-commerce sales and, in turn, Choco Up's funding solutions support these initiatives, ensuring that e-commerce businesses have the capital to invest in growth-oriented marketing without the pressure of traditional loan structures. Adaptive Strategies for Diverse E-Commerce Needs Understanding that e-commerce enterprises like Carousell merchants and Instagram shop owners have distinct digital footprints and growth trajectories, First Page Digital and Choco Up have devised adaptive strategies tailored to the multifaceted nature of online selling platforms. For example, burgeoning businesses on Carousell can expect focused strategies aimed at amplifying product visibility and user trust. First Page Digital's approach might include optimising product listings for search within the platform and leveraging social proof through reviews and ratings. Choco Up, in concert with these efforts, can offer flexible funding based on the unique cash flow cycles of these businesses, allowing for investment in inventory or advertising at critical moments. A Call to Embrace Collaborative Growth In summary, this collaboration extends an invitation to e-commerce businesses to be part of a new paradigm. First Page Digital and Choco Up are set to redefine the roadmap to profitability, encouraging businesses to harness the potential of this innovative model. E-commerce businesses looking to capitalise on this opportunity and join the "Grow With First Page, Fund With Choco Up" initiative are invited to explore how this strategic partnership could be the catalyst for their growth and profitability. For more information about First Page Digital and Choco Up's collaboration[1], or to schedule a media interview, please contact: Media Contact: Shane Liuw Yong Sheng Email Address: shane@firstpagedigital.sg Contact Number: +65 6270 2193...SME Business Daily Media, 5d ago
Stellar’s primary differentiator is its commitment to financial inclusion, providing access to financial services for unbanked individuals and businesses globally. This open network for financial transactions allows participation in global economic activities, particularly impactful in regions with limited traditional banking options.TechBullion, 10d ago

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new Bondar: One could say that we have entered the ‘trust age’, a time where information – or misinformation – is omnipresent and perception is everything. Trust should be top of mind for C-suite executives and government leaders. Due to a confluence of factors the importance of trust is likely greater today than ever before. In my opinion, we are witnessing extreme democratisation and polarisation of media, extraordinary geopolitical uncertainty, growing threat of climate change and highly accelerated pace of digital transformation, accompanied by rising concerns over ethical use of technology, cyber security and data privacy. These factors, along with evolving customer, worker and shareholder expectations, have catapulted this trust to the top of the leadership agenda. Ninety-four percent of boards and 85 percent of chief executives consistently and overwhelmingly agree trust is critical and action on it is needed, according to the 2022 Deloitte Global Boardroom Survey, and the Fortune CEO Survey, respectively. There is also recognition that trust levels are at all-time lows and further declining across industries and sectors. Yet few organisations have taken the necessary meaningful steps to earn trust proactively. Only 14 percent have taken steps to evaluate and measure trust. In part it is because, at first glance, trust appears to be an amorphous and nebulous concept. So, defining trust in the context of business and each specific organisation has been a barrier to progress. We define trust in the context of business as the intricate balance of an organisation performing with a high degree of competence and positive intent. Competence is keeping your promises – delivering products and services – while illustrating high capability and reliability. The intent is the motivation, the rationale, the why behind actions – exhibiting humanity and transparency.Financier Worldwide, 2d ago
new Financial well-being has taken on new significance for credit union members who are tightening already tight belts. Yet, tools for building financial wellness are not keeping pace with consumer expectations. As an industry, we have a responsibility to credit union members to dedicate resources to research that centers on genuine consumer needs. We must harness these insights to guide our approach in providing meaningful products and services.TruStage, 2d ago
new SINGAPORE - Media OutReach - 23 November 2023 - (NASDAQ: AMZN) – This holiday season, Amazon Singapore engages the local community with ‘Page to Page: Amazon Singapore Books Pop Up’, a unique and immersive reading experience happening from 2 - 17 Dec 2023 at Punggol Regional Library. The initiative will launch on 2 Dec 2023 with an opening ceremony, with invited guests that include children and family beneficiaries as part of the Amazon x Shop for Good wishlist initiative. To further underscore their support for the local community, Amazon Singapore will also be donating a total of $100,000 in cash to 4 local NPOs, including Children’s Wishing Well, Club Rainbow (Singapore), Fei Yue Family Service Centre and Glyph Community, to help children and youths in Singapore better learn, play, and develop in the long-run. The donations will be presented to representatives from the various NPOs at the launch of ‘Page to Page: Amazon Singapore Books Pop Up’. Amazon Singapore’s increase in support for underprivileged children and their families is aligned to the direction from the Forward SG Report 2023 to look to social empowerment rather than social assistance when it comes to supporting and uplifting lower-income families. This effort held at the Punggol Regional Library underscores Amazon’s commitment to inspiring the next generation of lifelong readers as well as the history of the company that began as an online book store. The pop-up promises an enriching experience for families and young school children, extending reading resources to the heartlands. Showcasing a tree adorned with books sourced from Amazon Singapore's diverse local and international sellers, the initiative fosters a sense of community, inspiring a passion for literacy during the festive season. Families are encouraged to join with their children, to cultivate a mutual love for reading and engaging in creative activities to craft special moments with each other. Under the Amazon x Shop for Good wishlist initiative, Amazon Singapore continues to work closely with local NPOs to understand the evolving needs of the underprivileged and channel resources to uplift and nurture them, especially children. In addition, the initiative serves to raise awareness and encourage the public to give to meaningful causes regularly and offers a platform for donating transparently. Delivering Smiles in Singapore this holiday season Amazon Singapore’s wishlist initiative started in 2020 to make giving and doing good a part of daily experiences for customers in Singapore, especially during the pandemic. As people shop on Amazon.sg for holiday gifts or everyday essentials, they can browse the items requested by NPOs on their respective wishlists, click to purchase them per their budget, and directly support the causes they are most passionate about. Each NPO’s wishlist is an updated depository of items which their beneficiaries currently need most and works as a self-serve tool—at no cost to NPOs—to inform customers on Amazon.sg what the NPOs need and their quantity. Customers who are keen to donate can select any listed item and quantity, make the payment, and have the items delivered directly to the NPOs’ specified address. This minimizes instances of mismatched items being donated to NPOs or the need to drop them off physically while offering the same vast selection, convenient shopping experience, and great prices that customers have come to expect from Amazon.sg. A total of 16 local NPOs are currently part of the Amazon x Shop for Good wishlist initiative: Arc Children’s Centre, Beyond Social Services, Blessings in a Bag, Children’s Wishing Well, Club Rainbow (Singapore), Engineering Good, Fei Yue, Glyph Community, New Hope Community Services, Singapore Red Cross, SHINE Children and Youth Services, Singapore Children’s Society, The Singapore Association for the Deaf (SADeaf), SOSD, The Food Bank Singapore, and Willing Hearts. Joanna Tan, CEO, Children’s Wishing Well, said, “This donation initiative has enabled us to acquire food items for the children, books to enhance their learning and development, educational materials, and much more. As we approach the year's end, we look forward to ongoing support in ensuring our children have the essentials and educational resources they require.” Lim Si Hui, Co-General Manager, Glyph Community Limited, said, "Through the Shop for Good wish list, our aim is to enhance our capabilities with the essential equipment necessary for implementing our exciting new technology, coding, and AI programme! With products such as tablets as a critical tool, we can empower young children to thrive in the digital age." Teo Siang Loong, Executive Directior, Club Rainbow (Singapore), said, “We at Club Rainbow are elated by the endless possibilities that comes with this partnership with Amazon Singapore. Being part of Shop for Good has enabled our beneficiaries to receive many essential necessities such as milk powder and diapers. These items contribute to our monthly distribution efforts to support the basic needs of our low-income families. Books and many other educational resources will augment the learning and development of our pre-schoolers, primary and secondary school children through ongoing early intervention programmes, tuition sessions and enrichment activities. These initiatives are pivotal as key enablers to ease the financial distress for our vulnerable families, and empower them to live with dignity.” Arthur Ling, Chief Executive, Fei Yue Family Service Centre, said, “Our Shop for Good wish list eases the financial strain on low-income families, allowing them to prioritise their resources for other daily necessities. Through the distribution of milk and diapers to our Family Service Centres, we empower our social workers to provide essential support to our beneficiaries.” Customers can join Amazon in its season of giving by shopping for an NPO’s wishlist via amazon.sg/shopforgood. Hashtag: #Amazonsg #DeliveringSmileshttp://www.twitter.com/amazonsghttp://www.facebook.com/Amazon.sghttp://www.instagram.com/Amazon.SG...SME Business Daily Media, 2d ago
new Economic historians ascribe this growing demand for human capital to the transition from an agricultural economy to a highly skilled manufacturing and services-based economy, first in western societies and then globally. Empirical evidence supports the idea that this transition has caused birth rates to slow down. For instance, analysis of individual returns from the 1911 Irish census suggest that a child remaining in school between the ages of 14 and 16 caused an up to 27% reduction in fertility.phys.org, 2d ago
new The government has implemented policies and plans to promote green power, including incentivizing renewable energy generation and establishing clean energy infrastructure. This summit aims to accelerate the transition to green With the theme of “Energy Management and Carbon Trading Market under Double-Carbon Target”, this summit will provide valuable information and technical guidance for enterprises in realizing carbon neutrality goal and low carbon transition planning by inviting government agencies, industry experts, enterprise executives from industrial manufacturing, energy, chemical industry, automobile, iron and steel and other fields to conduct practical cases sharing in terms of policy planning, standards, latest development situation, enterprise practice, supply chain construction, energy transformation, low-carbon technology solutions of carbon neutrality and carbon trading and how digitisation can help carbon neutrality and other hot topics, so as to make them understand the latest trends and challenges of the industry more clearly and seize the opportunities and manage the adjustment.This summit will gather government agencies, industry experts, and executives from sectors like industrial manufacturing, energy, chemicals, and automotive. It will focus on practical case studies and discussions related to green power policies, planning, standards, recent developments, corporate practices, supply chain development, energy transition, and green technology solutions. The goal is to provide valuable information and technical guidance to businesses in their journey towards green power transformation, enabling them to better understand the latest industry trends and challenges, seize opportunities, and adapt accordingly.Eco-Business, 2d ago
new He submitted that “To fast-track economic development and wealth creation for the country, government needs to pay deliberate attention to the Fintech Sector. One of the most important things that need to be done immediately to propel credit in Nigeria, is the establishment of a more elaborate consequence framework for credit default. There will be more credit flowing to the real sector and growing businesses, once the financial sector players believe that there is a high likelihood that loans provided will be returned. This will be possible when borrowers know that defaulting on one’s debt would have a negative impact on the ability to access other goods and services. We also need more policies that are created via consultations with various stakeholders to create lasting and sustainable solutions for the credit space.”...The Guardian Nigeria News - Nigeria and World News, 2d ago

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In what is proclaimed as the ‘fourth industrial revolution’, digital innovation is thought to have the potential to provide solutions to key challenges facing food production and consumption together with the support of sustainability of the underpinning support of land, and water systems. Nowhere is this more the case in less-industrialised countries, which largely have agrarian based economies. Applications of digital innovations include faster and more reliable communication, better collection, analysis, and storage of data, enhancing democratic processes and transparency in governance, affordable financial services and can provide the basis for decision support. However, there is a risk that people with less formal education and skills and little resource endowments as well as particular groups of people such as women will be excluded from participating or benefiting from digital innovation, the so-called digital divide. In addition, there is a risk that people, communities, and societies may be disadvantaged or harmed by digital innovation processes. Digital inclusivity within food, land and water systems are approaches in digital innovation need to include the differing needs and resources of men, women, youth, indigenous communities who produce most the world’s food in smallholder land holdings. Here we provide the state-of-the-art evidence from peer reviewed literature and other literature in support of these statements. On the basis of this and our wider anecdotal experience we present, a holistic multi-dimensional framework for digital inclusivity. The aim of the digital inclusivity index (and supporting tools) is to provide a resource to guide to transform and change development and application of digital innovations. Specifically, it provides governments, funders, researchers, and development agencies a framework on how to assess, minimise and lessen exclusion from digital innovation. This is achieved through increasing awareness of the characteristics of digital exclusion, recognising the needs of the actors that they target with digital interventions which are more inclusive, making interventions more participatory and mitigating any potential harm that can be caused by digital innovation. We also argue that the approach to digital innovation needs to be set within the context of a wide ranging ‘digital ecosystem’ where different actors contribute knowledge and resources, and digital innovation goes beyond the adoption and use of technologies to include changes in preexisting social arrangement and institutions.CGIAR, 18d ago
Notably, these companies have played a pivotal role in promoting financial inclusion by providing access to financial services to previously underserved populations. Through their innovative products and services, they have managed to bridge the gap between traditional banking and the unbanked, empowering individuals and small businesses with the tools to participate in the digital economy.Insightssuccess Media and Technology Pvt. Ltd., 25d ago
Leveraging technology to create a positive social impact, particularly in the context of financial services for unbanked and underserved communities, is a core principle at BharatPe. Our commitment to simplifying financial transactions for small businesses and merchants is a significant step in this direction. By providing user-friendly digital payment solutions and financial services, we empower underserved communities to access, manage, and utilize financial services effectively. With our lending vertical, we facilitate credit to millions of business owners, thereby empowering them to grow their business.DATAQUEST, 14d ago

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new I’m optimistic, but we need to keep adjusting to customer needs and expectations. We have just been through a period of fundamental transition for retailers, including restaurants, which have had to adapt to digitalisation. What happened was, bricks-and-mortar in the high street became showrooms, where people browsed and then bought online. We are almost through that stage now, but many stores, both chains and independents, have gone. Now what we’re starting to see is a more determined regeneration of the high street, with brands emerging, new concepts and businesses trying different approaches and new experiences. There is little doubt that many of the traditional-style stores are struggling and closing, but this new generation is channeled into difference, creating interest and moments of joy for people when visiting towns. Postpandemic, people do want to go to high streets; they want to socialise, sit outside and have a drink and food. You can feel the energy and the vibe. To see people back in restaurants is a huge relief and despite the cost-of-living crisis, people really do look glad to be back in vibrant settings. More than any other sector, hospitality was hit hardest by COVID and there is an awful lot that we learned during that time, about looking after our teams, along with better operational standards and technology. The crisis definitely accelerated the transformation of our brands within Yum! and while it was an incredibly challenging time for us as a business, for so many people, there was life-changing tragedy and so everything has to be seen in context. That period was a test of resilience and flexibility and we were proud to be able to continue to pay our team members and serve our customers throughout. I look back on this now and realise that this was us at our best and the people-first culture really shone through.theHRDIRECTOR, 2d ago
new In 2023, we have seen an increase in the number of Calgarians requiring subsidies to access YMCA facilities. Year to date, we are on track to provide more than $4.8 million in financial assistance to those in need. In addition, we continue to see growth in the number of people who access our community-based experiences such as Teen Vibe and Y Mind, which provide mental-health support for young people. Our community programs come with memberships to our health and fitness facilities, providing participants with multiple tools to achieve their personal goals.calgaryherald, 2d ago
new COP28 presents a critical opportunity to change the trajectory of climate change and its devastating consequences. The Bridgetown Initiative, with its focus on debt restructuring and equitable climate financing, must be adopted. It is a lifeline for developing nations that are most vulnerable to the impacts of climate change. By suspending surcharges on heavily indebted borrowing countries and enhancing access limits for emergency financial support instruments, we can provide immediate relief to those in need.The National Interest, 2d ago
new Most importantly, the RISE grant helped Northeastern purchase its simulators, which include a birth simulator, a pediatric simulator and two adult simulators. Using the simulators students can do everything from listen to heartbeats and breathing sounds to insert a catheter and their patients are even able to talk to them and answer questions.Instructors shared that the simulators are invaluable because they help students grow their confidence and figure out what they still need to learn while realizing just how much they already know. Plus, it's a great place for students to apply what they've learned in the classroom.Nursing students commented that the simulators help make them more comfortable, teach them time management, provide valuable hands-on experience outside of the classroom and allow them to work on their critical thinking skills."I like simulation because it is a place for me to make errors and not have to worry about killing the patients," Brandon Williams said.Before watching a demonstration of the birth simulator, the group heard from Jennifer Garcia, a student who benefited from the RISE grant and in May will be graduating with an RN (Registered Nursing) degree. From California, she was working a dead-end job when her sister was accepted into NJC's program and encouraged her to enroll. After taking a job at Sterling Regional MedCenter as an inventory associate to make sure that healthcare was right for her, she fell in love almost immediately and went to work earning her CNA degree."Being from out of state it's been very difficult for me," Garcia said, explaining that the cost for her to attend Northeastern is much higher than a student who has lived here all of their life. "I wasn't sure I would be able to afford it and then came the RISE grant. It just lifted this great burden off me and I was able to focus all of my time and attention into preparing my skills.""I am very grateful to the RISE grant for everything it has given me because I feel that I have a purpose," Garcia added, sharing that she plans to work in the community when she graduates.Next, Giacomini shared how for years, she and Brower discussed how they could partner with students coming in, who often come from a country where they were a veterinarian or a doctor but now they need to get the skills and credentials to be able to work in the United States. Through the RISE grant, they were able to remove the financial barrier for some of the students and it also helped them create an integrated education and training program.Northeastern found a cohort of students whose language proficiency was just enough that they could have a basic conversation but they needed language skills specific to a CNA, which they got through a customized English training that was developed. The college also worked with them on workforce preparation skills like communication, time management, learning cultural differences, etc."It was great to finally pilot this program that we'd been trying for so long to get together," Giacomini said, adding that now those students are recruiting others to the CNA program.Next, was the simulation, which involved a pregnant woman who came in stable but started deteriorating with her heart rate and blood pressure showing signs of distress and her oxygen level dropping. She then experienced an eclamptic seizure due to high blood pressure and when the mother awakened it was determined she was in labor. The mother went on to deliver a healthy baby girl, who was examined for any problems and vaccinated.After the simulation, the group heard from Shelly Griffith, CEO of Eben Ezer Lutheran Care Center, one of Northeastern's main clinical sites for both nursing and CNA students."We rely heavily on (NJC) to help train CNAs, individuals who are looking to pursue an entry point into the medical field," she said. "The beauty of NJC is they have been able to flex some schedules and be able to accommodate those who may need to be working full-time while they are looking to grow their career options."NJC's program is especially critical given the shortage of healthcare workers. Griffith shared Eben Ezer has a need for 20 CNAs right now,"What's happening is the demand for our service is significant and so people are having to go on a wait list, which means that many people, their needs are not being met because nursing homes throughout the rural communities are not able to meet that need because of limited staffing levels," she explained.Following her remarks, guests had a chance to try out the simulators themselves.The day ended with a panel discussion that included Tamara Durbin, executive director of Northeast Colorado BOCES; Kyle Stumpf, Superintendent of Holyoke School District; Danielle Ongart, Executive Director of Colorado Department of Education's Student Pathways; and Misti Ruthven, Director of Education and Training Innovation for the Office of Governor Polis.They talked about the importance of career connected learning as it benefits both students and the economy by opening students' eyes to career opportunities they might want to consider. Stumpf mentioned the success of his district's internship program.The group also talked about some of the barriers that exist to providing this, the biggest being cost, especially in northeast Colorado where it costs a lot to transport students from their school to another school that offers the program they're interested in. There is also the challenge of trying to ensure all students have equitable access. Durbin pointed out that students who live in northeast Colorado need to have the same opportunities available to them as those on the Front Range.During a question and answer session with the audience, Trae Miller, executive director of the Logan County Economic Development Corporation, pointed out that internships and apprenticeships sound great but the state requirements that go into those and the reporting aspects create a barrier for businesses to participate in those programs. He also shared that students need help with basic skills such as showing up on time and learning how to take instruction.Ongart suggested there needs to be a regional entity in place to help students and businesses navigate this, so it doesn't all fall on the district or the business, and Stumpf mentioned his district teaches a class an hour a day with all of those skills and they also provide businesses with funding to help offset the costs of doing an internship.State Sen. Byron Pelton asked why the state is reinventing the wheels with apprenticeships, instead of learning from what's in place now. He said his frustration with recent legislation regarding apprenticeships is "you're going to have a lot of outside forces that are going to try to do their best to send it one way or the other when we need to just worry about the entire workforce, not just a little part of it; we need to worry about the entire workforce." Pelton pointed out in two years, half of Colorado's electrical trade will be retiring, "so we've got to get more people in there," he commented.He also said would like for time in college courses to count toward credit for both college and high school, which he plans to introduce a bill to require."We realize the importance of apprenticeships and we have challenges in trying to determine those opportunities for youth in high schools and have that be seamless for them," Durbin said, adding that it's something they are working on.©2023 Journal-Advocate, Sterling, Colo. Distributed by Tribune Content Agency, LLC.GovTech, 2d ago
new He pointed to the real-world example of this disparity in the digital equity space. While Denver’s digital equity needs are primarily centered around affordability of Internet service, other parts of the state face affordability and connectivity issues.Because of the collaborative relationships he built at the local level, Edinger feels well positioned to work with municipalities to advance technology use in different areas — including expanding connectivity and developing AI policy.Another major area he plans to focus on is accessibility. The state’s work in this space so far has included the launch of the Aira tool for Coloradans with low vision and a pilot program to help state workers better serve individuals with disabilities using VR, but there is more work to be done. Accessibility across state government is a critical piece to ensuring all constituents are served equitably, he said.And although Edinger expects emerging technologies to continue to impact government, he also underlined the importance of effective enterprise management systems. The technology working behind the scenes is an important foundation for any future innovation, he said.At the heart of Edinger’s vision for OIT is the people — employees and constituents alike. Empowering employees through things like process improvements, Lean, and other technology-enabled advances is the best way to make state government better, he said.“I will just say I am confident that investing in people and unlocking their potential is the way we will get there,” he said.The brief period of overlap between Edinger and Neal-Graves has helped enable a smooth transition for OIT to prepare the agency for future work under Edinger’s leadership. As Neal-Graves recently told Government Technology, the future for OIT is bright. He expects the state to continue advancing in digital government and digital equity.GovTech, 2d ago
new Among the lowest-hanging fruit for AI in government involves press releases and other forms of communication from agencies to residents. Zencity, for example, debuted a ChatGPT tool that writes what amounts to a first draft of a press release — including potential quotes from public officials. That could save significant time for city managers, among other advantages, according to the company.Municipal budgeting, too, could serve as fertile ground for generative AI.A new AI tool from ClearGov takes in past budgeting data and future estimates to produce what officials sometimes call a budget narrative. Such narratives, which put spending figures into context, often help those officials sell the budget to peers and voters. AI could bring more efficiency to the process, usually the most difficult and contentious work undertaken by local and state governments.Generative AI also gained more of a presence in higher education in 2023. The technology can help with essays, math problems and lesson plans, with work completed within seconds. But fears of plagiarism and other abuses have led to a more cautious welcome for AI in universities and colleges than in city halls, with large school districts such as the one in New York City initially placing restrictions on ChatGPT.College deans and local school boards continue to grapple with the full implications of AI. So are other governmental bodies as the technology hogged more of the spotlight as 2023 progressed. Maine imposed a six-month ban on the use of AI for state employees using state devices or conducting state business. Officials said they needed time to study the privacy, bias and misinformation concerns sparked by ongoing deployment of AI-based products. Executive orders started to emerge at a regular clip as fall rolled around, with Pennsylvania, Virginia, Oklahoma and New Jersey governors all issuing guidance within a few weeks of each other. Their missives were followed within weeks by an AI Executive Order from the White House in late October. Each official action recognized both the potential and the risk, with many calling for outside help to develop appropriate policies for safe use in service of their residents.It’s almost impossible, however, to imagine a gov tech future without much more artificial intelligence. Evidence for that comes from every corner of the industry.For instance, industry giant Tyler Technologies touted its growing ability to use AI for quicker and more accurate court filings, whose complex coding and redaction requirements often force judicial employees to perform manual data entry. Klir’s new AI-backed offering is designed to improve water management and compliance, with what the company calls “holistic” views of utility systems delivered via a chatbot fueled by artificial intelligence.Startups, of course, have also embraced AI, as shown by the most recent cohort from CivStart’s gov tech accelerator program, which provides at least some foreshadowing of the tools public agencies might be using a few years from now. One of the program participants is using artificial intelligence to help local officials — many of them new to the grunt work of government — write and manage legislation.GovTech, 2d ago

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This technology aims to solve the sequence of cash flow from collection, payment to settlement for businesses, providing a new experience for real-time cash flow. In the past, payment and settlement were separately managed. Due to the cash flow transfer of acquirers, settlement institutions and banks, the cash flow from payment transactions was relatively delayed after a lengthy process of circulation and advance payment. With the 'One Touch' payment technology, the boundary between cash and electronic payments will disappear. Collection, payment and settlement can be achieved in one step, making it easy for businesses to manage their funds. Breaking barriers and innovating to achieve real-time cash flow At the 8th Hong Kong FinTech Week event themed " Fintech Redefined" Yedpay officially announced this innovative collaboration that will change the history of payment technology development. Yedpay's General Manager, Leo Ngan introduced the innovation and breakthrough of this payment technology to the industry insiders present. They also highlighted the "domino effect" this technology will have on the operation of funds for businesses and retailers. Leo Ngan, General Manager of Yedpay, mentioned that Yedpay has employed Tap to Phone payment technology in the 'One Touch' payment product. This technology cloudifies credit card payment processing encryption, breaking through the traditional POS machine's fixed hardware encryption format. By using a mobile phone, it can cope with mainstream payment methods. Business enterprises or retailers only need to download an application to activate 'mobile phone induction collection' and use their smartphones to flexibly collect payments anytime and anywhere. Moreover, this technology does not need to be stuck with the traditional T+2 cash flow time difference and the full settlement arrives "instantly." Lam Cheung-fu, Chairman of the Hong Kong Newspaper Vendors Assoication, mentioned that newspaper vendors and stall operators tend to have more traditional mindsets. Many newspaper vendors have been running their businesses for decades and face daily challenges related to payments and accounting. They have relatively straightforward business models that heavily rely on cash transactions. There is a pressing need for them to undergo a business transformation. The innovative payment technology offered by Yedpay is beneficial for large, medium, small, and micro enterprises to undergo transformation. It not only resolves the issue of delayed payments but also enables newspaper vendors to expand their business into the realms of digitalization and industry reform within the newspaper distribution sector. Pioneering the innovation of the global payment settlement industry and making inroads into the Belt One Road market According to the 2022 McKinsey Global Payments Report¹, in emerging markets in Africa, Latin America, and Southeast Asia, the pandemic accelerated shifts to contactless payments and e-commerce, and low banking penetration affords opportunities for payments providers to capture untapped potential and reach underserved populations. According to the "2022 Southeast Asia Digital Economy Report," Southeast Asia's booming digital payment market is expected to hit $2 trillion by transaction value in 2030². In the future, Yedpay will continue to be Hong Kong-centric with ASEAN as its core growth point and will launch diversified financial products from collection to remittance of merchant electronic wallets, aiming to build the ASEAN Payment Hub. With 'openness' and 'practicality' Yedpay will conduct technological innovation and make more forward-looking explorations and breakthroughs in the field of mobile payments. The 'cashless society' promoted by Yedpay can make finance more inclusive and business more intelligent, which drives financial innovation while saving the overall social cost and accelerating the operation of the economy. From a business perspective, this provides companies with new opportunities to explore new financial management models. Especially the new breakthrough of Yedpay's instant payment and settlement, which improves the efficiency of large enterprises' fund settlement, increases the flexibility of funds and can instantly control the operation and reduce operational risks. In addition, through the analysis of electronic payment data, companies can further understand consumers' wants and needs, actively adjust their operational strategies and forecast market direction. Whether it's retails, hotels, mobile services or even newsstands, instant payment technology solutions will revolutionarily change traditional payment methods. As a leader in Hong Kong's payment technology industry, Yedpay is committed to providing a low-threshold and secure electronic payment system, enhancing competitiveness with 'efficiency' and 'liquidity' and relying on technological power to change the traditional sales industry's landscape to make its own contributes for a more universal and sustainable future. ¹https://www.mckinsey.com/industries/financial-services/our-insights/the-2022-mckinsey-global-payments-report ²https://economysea.withgoogle.com/report/...SME Business Daily Media, 26d ago
What is a stablecoin? As we probe deeper into the potential of blockchain, this question becomes increasingly relevant. A stablecoin is a form of cryptocurrency that aims to provide price stability, typically by being pegged to a basket of goods, fiat money, or exchange-traded commodities. These digital tokens are integral to the future of blockchain in financial inclusivity, offering the unbanked and underbanked populations access to stable and secure financial services. The innovation doesn’t stop there. Blockchain technology, with stablecoins at the forefront, is poised to disrupt the financial sector. They promise to make transactions faster and cheaper, provide financial services to those previously excluded from the banking system, and even enable smart contracts that automate complex financial operations. As we advance, understanding and integrating stablecoins will be pivotal in creating a more inclusive and efficient global economy.Fintech News, 20d ago
Access to ICT services is not equal for all parts of the population. The NCC is actively working to close the digital gap by pushing projects aimed at providing inexpensive and accessible ICT services to underprivileged communities. This inclusion is critical in ensuring that all citizens have the tools they need to conduct financial transactions safely.ITEdgeNews, 26d ago
Get a Free Sample Report with Table of Contents - https://www.expertmarketresearch.com/reports/saudi-arabia-car-rental-and-leasing-market/requestsampleMarket Overview:The Saudi Arabia automobile condominium and leasing market is a dynamic sector in the transportation industry, facilitating flexible mobility answers for people and corporations alike. With a market length of about USD 2.3 billion in 2023, the enterprise plays a pivotal position in assembly the numerous transportation desires of citizens, vacationers, and company entities. The market contains a spectrum of services, starting from brief-term rentals for travelers to long-term leasing answers tailor-made for corporate fleets.Components:Understanding the additives of the car apartment and leasing marketplace entails delving into the numerous provider offerings and operational fashions. Car condominium offerings cater to quick-term needs, supplying customers with the flexibility to rent cars for specific intervals, from a few hours to several days. On the opposite hand, leasing offerings provide lengthy-term commitments, permitting agencies and people to get right of entry to vehicles for an prolonged duration, usually starting from months to years. Both additives make contributions to the market's versatility, addressing the various mobility necessities of various customer segments.Read Full Report with Table of Contents - https://www.expertmarketresearch.com/reports/saudi-arabia-car-rental-and-leasing-marketSaudi Arabia Car Rental and Leasing Market Segmentation:The Saudi Arabia automobile rental and leasing marketplace exhibit a nuanced segmentation, aligning with the various demands of consumers. Segmentation consists of the type of motors, with alternatives ranging from financial system vehicles to luxurious vehicles and commercial fleets. Additionally, the marketplace differentiates based on the duration of rentals or leases, offering alternatives for brief-time period, medium-time period, and lengthy-term commitments. The marketplace also caters to particular industries, with specialised leasing solutions tailor-made for company clients in sectors along with logistics, construction, and power.Benefits and Applications:The blessings of enticing inside the automobile rental and leasing marketplace in Saudi Arabia make bigger beyond mere transportation. For individuals, renting a automobile provides the freedom to discover the u . S . A . At their tempo, particularly for travelers and occasional drivers. Leasing, however, appeals to groups in search of cost-effective and scalable mobility solutions without the burden of vehicle possession. Applications span various eventualities, from brief-term leases for holidays to long-term leasing for company fleets, creating a versatile marketplace surroundings.Factors Driving Growth:The Saudi Arabia car condominium and leasing market experience sturdy growth pushed through several factors. Economic growth and urbanization contribute to increased mobility needs, creating a demand for bendy transportation solutions. The upward push of tourism, each domestic and international, fuels the call for for rental offerings. Additionally, the changing alternatives toward mobility-as-a-service (MaaS) and the convenience of app-primarily based bookings make contributions to the market's enlargement. The united states of america's Vision 2030 initiative, emphasizing tourism and economic diversification, in addition hastens the boom of the automobile condominium and leasing zone.Challenges and Barriers:While the Saudi Arabia vehicle condo and leasing marketplace exhibit promising growth, it isn't without challenges and barriers. Regulatory complexities, which include licensing necessities and insurance guidelines, pose challenges for market players. Economic uncertainties, along with fluctuations in oil charges, can effect customer spending and, subsequently, the demand for condo and leasing services. The availability and affordability of insurance insurance for rented or leased automobiles additionally have an impact on customer selections.Market Opportunities and Future Outlook:The Saudi Arabia car rental and leasing market present profitable opportunities for stakeholders. As the u . S . Maintains its financial diversification efforts and targets to grow to be a global tourism hub, the call for for flexible and efficient transportation answers is anticipated to rise. Opportunities consist of the mixing of generation, such as virtual systems for seamless bookings and greater customer experiences. Future potentialities involve collaborations with journey-sharing offerings, the enlargement of electric and sustainable automobile fleets, and the development of modern pricing fashions.Key Trends within the Saudi Arabia Car Rental and Leasing Market:Key trends shape the landscape of the Saudi Arabia car condo and leasing market. The adoption of virtual systems for online bookings, the incorporation of related and clever automobiles into condominium fleets, and the focus on sustainable and eco-friendly transportation options are extraordinary developments. These traits align with the evolving choices of clients and the industry's commitment to technological innovation.Saudi Arabia Car Rental and Leasing Market Analysis:An in-intensity evaluation of the Saudi Arabia car condo and leasing marketplace provides treasured insights into market dynamics, consumer behavior, and competitive landscapes. Factors inclusive of marketplace percentage, regional preferences, and the impact of technological improvements on provider services are vital issues. This analysis allows stakeholders navigate the competitive panorama, make knowledgeable choices, and adapt strategies to capitalize on rising possibilities.Key Players within the Saudi Arabia Car Rental and Leasing Market:The Saudi Arabia vehicle condo and leasing marketplace is home to key gamers riding innovation, great, and market dominance.The Hertz Corporation...openPR.com, 19d ago
Access to finance is a central driver to inclusive value chain strengthening and improved agricultural market systems. The way that finance is provided is especially important for sectors vulnerable to climate shocks, such as the dairy sector in eastern Kenya. However, only a fraction of the demand for credit by smallholder farmers and agribusinesses is met each year. As a result, vulnerable smallholders facing recurrent shocks struggle to overcome poverty and build resilience. The Feed the Future Kenya Crops and Dairy Market Systems Activity leveraged market systems pathways and financial inclusion tools to build an ecosystem of agriculture finance partnerships. Between 2021 and 2022, Kenya Crops and Dairy partnered with 29 financial service providers to facilitate $42.1 million of agriculture credit disbursement to 49,938 farmers and enterprises. The activity’s approaches demonstrated effective means of reaching vulnerable farmers and strengthening the resilience of the dairy system.Agrilinks, 7d ago
Dobin’s unveiling of "Financial Insights” aims to help Singaporeans circumvent today's complex financial landscape by equipping them with the tools and insights necessary to thrive amid cost-of-living challenges. Challenging Financial Landscape Positioned as an innovator in the personal finance space, Dobin is on a mission to revolutionise the way Singaporeans manage their finances. The challenging economic climate coupled with an alarming 64.5% surge in financial scams has underscored the pressing need for individuals to gain greater visibility and control over their finances. A recent 2023 study conducted by Rakuten Insight revealed that a staggering 60% of respondents are cautious of expenses due to inflation. This culminates in the mitigation of higher utility costs, growing expenses that surpass income growth, and a relentless rise in consumer prices, causing significant financial strain for a majority of Singaporeans. In response, Dobin launched a groundbreaking feature within its app – "Financial Insights". Developed by a team with decades of collective experience in data analytics, technology, and finance, it offers a first-of-its-kind solution to holistically tackle the current financial climate. Khaled Benguerba, CEO and Co-founder of Dobin, stated, “Gaining financial visibility is the first step towards financial wellbeing. As we all adopt more ways to store and spend our money, it has become increasingly complex to keep track of where it sits and where it goes. We’ve built Dobin to be every Singaporean’s financial companion that helps them uncover valuable insights to make better decisions.” Comprehensive Approach To Empower Users Enhanced by advanced data analytics capabilities, the Dobin app is designed to enable users to take charge of their financial lives by providing them with a comprehensive, three-pronged approach: 1. Enhance “Visibility”: Users can effortlessly track their income and expenses across all their financial accounts and credit cards, bringing visibility on their entire financial holdings into one unified platform. 2. Unveil “Financial Insights”: Users can access insights into key drivers of their expenses, empowering them to make informed decisions and reduce their cash outflows. 3. Provide “Personalised Recommendations": Dobin will soon be launching a feature to help users make smarter decisions when they spend by using meaningful discounts to increase savings and the right credit cards to maximise earnings and rewards. Introducing Dobin’s “Financial Insights” "Financial Insights" comprises four key components, each designed to address a wide range of financial challenges faced by users: 1. Utility Bills: Users can keep tabs on essential expenses such as electricity, water, mobile plans, and broadband, which are highly sensitive to inflation. It empowers them to control usage and seek better deals, ultimately saving money. 2. Financial Charges: Users gain transparency into charges from financial institutions, such as late fee payments on credit cards, service charges and fall-below fees on bank accounts, and interest rate payments on loans. By doing so, users can avoid unnecessary charges and switch to more suitable financial products when required. 3. Other Recurring Payments: Users can identify all recurring charges, including streaming services, online subscriptions, and other regular expenses. This information helps users pinpoint hidden subscriptions and cancel those they no longer need or use. 4. All Transactions: Users can view an auto-categorised list of their latest transactions across all accounts and credit cards, making it easier to identify and resolve potential fraudulent transactions. Dobin’s Founding Team With driving financial wellbeing at their core, Dobin's founding team brings together decades of experience to the table. The co-founders of Dobin are: Khaled Benguerba, CEO and Co-founder, a financial industry veteran with a background in Visa and American Express; Erwan Macé, Chief Technology Officer and Co-founder, an experienced entrepreneur and technology leader at Bitsmedia, Akamai Technologies, Vivendi, and Google; and Gyanendra Singh, Chief Product Officer and Co-founder, an expert in Credit Risk and Data Analytics with a career spanning OneCard, Visa, Experian, FICO, and ICICI Bank. Upcoming Feature Launch Since the full launch of the app in July 2023, Dobin has gained thousands of monthly downloads. Dobin’s users can seamlessly aggregate, track, and understand their financial data, by securely connecting their bank accounts and credit cards across leading banks. This has resulted in a significant adoption rate and enthusiastic user response, with the user base continuing to grow daily. Notable features introduced include Expense Trends, Credit Card Offers, and Personalised Discounts. Dobin's commitment to improving financial wellbeing does not stop here. In the coming months, Dobin is set to unveil its "Personalised Recommendations" feature, which will offer users guidance on high-value merchant discounts and pair them with the most suitable credit cards for their purchases, resulting in significant savings on their daily expenses. Stay tuned for more exciting announcements from Dobin as they continue their mission to unlock the power of data and revolutionise financial wellbeing for users from all walks of life, in Singapore, and soon, across the region. Hashtag: #Dobin #PersonalFinance #OpenFinance #ExpenseTracker #PersonalisedDiscounts #FinancialMarketplacehttps://www.dobin.io/https://www.linkedin.com/company/dobin/https://www.facebook.com/dobinfinhttps://www.instagram.com/dobin_io/https://t.me/dobin_io_sg...SME Business Daily Media, 17d ago

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new The cautious yet optimistic adoption of these technologies by cities like Boston and states like New Jersey and California signals a significant shift in the public-sector landscape.The journey from skepticism to the beginnings of strategic implementation reflects a growing recognition of the transformative potential of AI for public good. From enhancing public engagement through sentiment analysis and accessibility to optimizing government operations and cybersecurity, generative AI is not just an auxiliary tool but a catalyst for a more efficient, inclusive and responsive government.However, this journey is not without its challenges. The need for transparent and accountable technologies, responsible usage, constant vigilance against potential misuse, and the importance of maintaining a human-centric approach in policymaking are reminders that technology is a tool to augment human capabilities, not replace them.With responsible experimentation and a commitment to continuous learning, governments can harness the power of generative AI to reshape how they deliver public services. The future of governance is being rewritten, and it's up to us to ensure that this story is one of progress, inclusivity and enhanced public welfare.Beth Simone Noveck is a professor at Northeastern University, where she directs the Burnes Center for Social Change and its partner projects, the GovLab and InnovateUS. She is core faculty at the Institute for Experiential AI. Beth also serves as chief innovation officer for the state of New Jersey. Beth’s work focuses on using AI to reimagine participatory democracy and strengthen governance, and she has spent her career helping institutions incorporate more participatory and open ways of working.GovTech, 2d ago
new She added that “As a stakeholder in the HR industry, I believe the government plays a role in shaping the landscape for economic development and wealth creation. Government strengthening educational platforms by investing in a robust educational framework that aligns with the demands of the contemporary workforce. It includes fostering partnerships between educational institutions and industry players to ensure graduates are adequately prepared for the dynamic challenges of the workplace. Introducing comprehensive Employment insurance schemes through centralized platforms can be a transformative step. Such initiatives would provide a safety net for individuals in between jobs by offering financial support and access to skill development programs that enhance employability. Reviewing and modernizing existing labour laws is imperative to meet the current economic landscape’s demands. This involves ensuring that regulations are flexible, adaptive, and supportive of innovation. A balanced approach is crucial to safeguard workers’ rights while creating an environment conducive to business growth and job creation. There is the need to continuously foster a conducive environment for entrepreneurship. It can be achieved by simplifying bureaucratic processes, offering financial incentives, and providing mentorship programs to encourage the establishment and growth of small and medium-sized enterprises (SMEs).”...The Guardian Nigeria News - Nigeria and World News, 2d ago
new Concerning what is needed to fast-track economic development and wealth creation for Nigeria, he advised that “Government at all levels to focus on investing in critical infrastructure, such as reliable utilities (electricity, water supply and transportation networks) thereby reducing the cost of running business in the Hospitality Industry. This would definitely catalyze growth and attract both local and foreign investments, ultimately fostering a thriving economic ecosystem. Secondly, implementing a favorable tax incentive scheme (in form of tax breaks and waivers especially for start-ups in the industry would go along way in ensuring that the percentages of companies that fail is not significant.”...The Guardian Nigeria News - Nigeria and World News, 2d ago

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By offering, Hardware segment to hold the largest market size during the forecast periodA wireless network consists of several components that support communications using radio or light waves propagating through an air medium. Some of these elements overlap with those of wired networks, but special consideration is necessary for all of these components when deploying a wireless network. MarketsandMarkets has analyzed wireless adapter, access point and range extender, modem, routers, switches, and hubs as key hardware elements in the wireless broadband in public safety market.In application, Critical Communication to grow at the highest CAGR during the forecast periodThe public safety vertical is a major adopter of critical communication systems. Public safety is one of the most important responsibilities of any government; it involves protecting individuals from crimes and natural disasters, among other harmful activities. An effective public safety mechanism involves disaster management and coordination between organizations, such as law enforcement and border control, fire fighters, and emergency medical services. Effective communication is imperative for these organizations while dealing with any natural or man-made disaster. Law enforcement and intelligence agencies are responsible for ensuring public safety within countries as these agencies must identify emerging threats, adapt to changing legislative policies, and develop human resources and skills to address evolving threats. Law enforcement agencies heavily rely on critical communication networks as they need to communicate with different agencies during emergencies. Various agencies provide emergency and rescue services and ensure public safety. The purpose of these agencies is to deal with typical emergencies and ad-hoc emergencies as part of their regular responsibilities. Spreading community awareness and running prevention programs to effectively detect, mitigate, and report emergencies are major functions of these emergency solution providers. Critical communication systems are used by these service providers during emergencies, such as natural and man-made disasters.Speak to Analyst @ https://www.marketsandmarkets.com/speaktoanalystNew.asp?id=64North America to hold the largest market size during the forecast periodThe wireless broadband in public safety market in North America is expected to be the highest revenue contributor during the forecast period. The region accounted for the largest share of the overall wireless broadband in public safety market in 2014. Major countries in this region are the US, Mexico, and Canada. Post 9/11, government officials in North America have been taking major steps for improving public safety by investing in wireless broadband technologies. Several initiatives are taken for the growth of wireless spectrums, signifying a wide pool of opportunities in the interoperable wireless network for public safety. In terms of population, the P25 technology is widely employed in North America due to its technical specifications, despite the extensive use of TETRA in RoW. The wide area coverage and greater range of P25 make it the preferred choice in the US markets.Public safety departments in North America are stringent when it comes to the implementation of critical communication solutions on airports, ports, roads, railways, and metros. Governments in this region have formulated various authorities to set up critical communication networks and network protocols, such as FirstNet and Next Generation 911 (NG911), respectively.Top Key PlayersMajor vendors in the global Wireless Broadband in Public Safety market include Aruba Networks (US), AT&T (US), Broadcom (US), Cisco (US), Ericsson (Sweden), Extreme Networks (US), Hitachi (Japan), Juniper Networks (US), Motorola Solutions (US), Huawei (China), NEC (Japan), Netgear (US), Sierra Wireless (Canada), Verizon (US), ZTE (China), General Dynamics (US), Harris (US), Bittium (Finland), Hughes (US) etc.Contact:...openPR.com, 3d ago
Top banking wearables in the market Banking wearables are portable devices that allow individuals to make secure and contactless payments conveniently. These devices include apparel, gadgets, and accessories. The most common forms of banking wearables are smartwatches, fitness trackers, jackets, belts, and even rings. Some wearable payment devices are a one-stop-shop for performing several services. For instance, Disney Land provides a magic band to its visitors that acts as a payment device, access key, and personalized tracker. Request Sample@ https://www.alliedmarketresearch.com/request-sample/7331Apple Watch is one of the innovative wearables featuring NFC (Near Field Communication) technology. This technology allows the wearable to connect with other NFC-enabled devices to make mobile payments, transfer data, and perform other transactions. Similarly, Samsung's Gear G3 is an Android device that permits magnetic secure transmission to make payments through Samsung Pay. Another interesting device is the fitness tracker - UP4, developed by Jawbone, a leading tech-based company. This is a water-resistant fitness tracker that enables contactless payments by partnering with American Express. Such latest top-notch wearables are gaining popularity and skyrocketing the industry's growth. As per the latest report published by Allied Market Research, the global banking wearables market is expected to rise at a stunning CAGR of 16.8% during the forecast period 2023-2032 and was valued at $13.7 billion in 2022, and is projected to reach $62.7 billion by 2032.New product launches To cater to the growing need for making on-the-go payments among individuals several fintech companies have come up with innovative wearable solutions. For instance, the Bank of Baroda, one leading Indian public sector bank, announced the launch of a banking wearable solution that could allow individuals to make small-ticket payments of up to Rs 5,000 without using any PIN. These wearables could be attached to individuals' daily accessories such as watches, rings, and other such items. Another notable example is the launch of a new range of on-the-go wearables called Zakey Yespay RuPay, in partnership with YES Bank and NCPI (National Payments Corporation of India). These wearables allow individuals to make faster contactless payments at cafeterias. If you have any special requirements, please let us know: https://www.alliedmarketresearch.com/request-for-customization/7331Key Market Players: Visa Inc., Wirecard, Gemalto NV, Fidesmo, Samsung Electronics, Google LLC, Xiaomi Corporation, Nymi Inc., Apple Inc., ThalesMergers and acquisitions Along with innovative product launches, many prominent companies have made numerous strategic alliances to foster competitive insights. For example, Fidesmo Pay, a leading Swedish Fintech company launched smart wearable payment services by acquiring a local firm, Cembra. This acquisition would allow Cembra cardholders to make contactless payments by connecting to a wearable supporting Fidesmo Pay. Moreover, Visa Inc., a world leader in digital payment technology announced its acquisition of Visa Europe to scale up its digital payment services and offer a more seamless experience to European clients. To wrap up, the banking wearable market is witnessing striking growth due to the increasing use of contactless payments for many day-to-day activities such as fueling vehicles, making payments at tolls, purchasing food items, and other similar purposes. Moreover, as nowadays, individuals are leading a hectic lifestyle, the need for banking wearables to check their accounts' balance, and perform immediate fund transfers saves their valuable time, which may boost the market's growth prominently in the coming years. Banking Wearable Market Report HighlightsBy TypeFitness Tracker...openPR.com, 3d ago
Originally, back in 2017, NFTs first rose to fame thanks to the application known as ‘CryptoKitties’, as its sudden explosion in popularity wreaked havoc on the ethereum network for a short time. Since then, the use and awareness of NFTs has steadily risen until the last couple of months when a few high-profile and high-price transactions have taken place, catapulting NFTs into the spotlight again. Some examples of this can be seen in the work of Mike Winkelmann - AKA ‘Beeple’ - a digital artist whose pieces have sold for millions, including one that was sold for $69 million through Christie’s, the London-based auction house. Like a lot of art, this has caused some controversy, with people questioning the value of owning a NFT of a piece of digital art which can simply be viewed online, whereas others point to the difference between owning an original piece of physical art and owning a print. Regardless of your views on art, NFTs are being seen in a range of different applications, from music to sports to gaming - anywhere where something can be defined as collectible or unique has the potential for NFTs to mark and transfer ownership. Now even tweets have been sold as NFTs. This idea of utilising NFTs to allow unique content to be owned, shared and traded online is one of the key reasons why Blockpass was so excited to partner with UREEQA recently. Like most great ideas, UREEQA’s principle is simple yet powerful - allowing anyone to show ownership of their creative works, which in turn enables UREEQA to provide monetization and sharing opportunities for creators. With the goal of expanding and simplifying all forms of identity verification at heart, working with UREEQA to facilitate NFT creation, management and monetization represents a specific interest for Blockpass as the digital and blockchain worlds only become more and more relevant and integrated with the mainstream. Blockpass’ current work is focussed around providing identities for people, particularly for regulatory purposes such as KYC and AML, but Blockpass’ origins and eventual goals are around the provision of an identity for everything - humans, businesses, objects and ‘things’. When anyone or anything can be represented and proved to be who or what they claim to be, new markets and business models can be created. Without verifiable identities, these markets would be open to fraud and scams, so regulatory standards for identity are needed to bring security and legitimacy to such endeavours. Whilst NFTs can be used to show ownership of assets, it is only when each and every entity - living or not, digital or physical - has a verifiable identity, that the true potential of blockchain and NFTs will be unlocked, allowing frictionless ownership, management and trade of anything, anywhere, at any time. Blockpass has begun this process with human identities and by working with others such as UREEQA and developing further solutions, we advance towards a future where simple and effective NFT solutions can be implemented to bring the benefits of blockchain-based ownership certification and marketplaces to everyone. Blockpass provides regulatory compliance services with KYC and AML solutions for users, merchants and businesses. Blockpass already provides KYC and AML to a number of blockchain companies, and can be integrated with blockchains themselves as an ‘identity layer’ to provide a secure and compliant ecosystem for everyone involved. Adhering to regulations is a necessity for any solution that wants to go mainstream or have a wide audience, and, just as in the real world, is essential for keeping legitimate users safe and protected. Blockpass is applicable to any kind of DeFi project and yield farming/liquidity mining is no different. Users will be able to gain certification proving they aren’t in conflict with any regulations and thus are suitable to conduct financial transactions with, ensuring there are no issues with funds or local restrictions. Recently, Blockpass has begun to pioneer the idea of ‘On-Chain KYC®’, bringing simple and effective KYC services to anyone who needs them, embedded into the blockchain. The Blockpass platform is fully automated and hosted in the cloud, with no integration or setup fee. Businesses can sign up to the KYC Connect® console in a matter of minutes, test out the service, and start conducting identity documents verification, KYC and AML checks. Sign up for FREE at console.blockpass.org.blockpass.org, 3d ago
In today's fast-paced world, millions of hardworking Americans find themselves trapped in a cycle of living paycheck to paycheck, struggling to make ends meet. This webinar, “Unlocking Financial Stability: EWA and the Paycheck-to-Paycheck Dilemma," delves into the critical issue of financial instability among the workforce, particularly for those on low to moderate incomes. Recent research highlights the reasons behind the paycheck-to-paycheck predicament, shedding light on the challenges faced by employees across the nation. One of the primary culprits, according to a comprehensive report, is nonessential spending, with a staggering 66% of consumers admitting to indulging in splurges and unnecessary purchases. These habits strain their finances, leaving them vulnerable to significant fluctuations in their financial situation throughout the year. Another significant contributor to this financial dilemma is family financial support, with an equal 66% of consumers identifying it as a top reason. The desire to provide for loved ones can sometimes come at the expense of one's own financial stability. This webcast will explore strategies for setting boundaries and achieving a balance between supporting family and securing personal financial well-being. Furthermore, the burden of debt looms large, impacting 64% of consumers, while insufficient income remains a challenge for 60% of them. Our discussion will emphasize that those who pinpoint insufficient income as the primary cause of their financial struggles are less likely to experience financial volatility. However, finding ways to increase income or tapping into alternative sources of financial support will be highlighted as crucial steps toward achieving lasting financial stability. In addition to these critical topics, this webcast will also address the regulatory landscape surrounding Earned Wage Access (EWA). EWA has gained traction as a valuable tool for financial empowerment, and understanding its regulatory framework is essential for both employers and employees. In conclusion, despite lower inflation rates, living paycheck to paycheck continues to be a pervasive issue for many Americans. This webcast underscores the pivotal role of nonessential spending, family financial support, high debt, and insufficient income as key factors contributing to this predicament. Join us to explore proactive strategies and tools like Earned Wage Access (EWA) that can help employees take control of their financial destiny, ensuring stability and security throughout the year. Don't miss this opportunity to gain valuable insights and practical solutions for supporting your workforce in their journey toward financial well-being. Register now for “Unlocking Financial Stability: EWA and the Paycheck-to-Paycheck Dilemma," where we'll also dive into the important topic of EWA regulation. Objectives: - Educate Participants: To provide participants with a comprehensive understanding of the primary factors contributing to the paycheck-to-paycheck lifestyle among low to moderate-income employees, including nonessential spending, family financial support, high debt, and insufficient income. - Highlight EWA as a Solution: To showcase Earned Wage Access (EWA) as an effective financial tool for addressing the challenges of living paycheck to paycheck, emphasizing its benefits, practicality, and regulatory aspects. - Empower Financial Decision-Making: To empower attendees with actionable strategies and insights for improving their financial stability, including tips for managing debt, increasing income, and setting boundaries on family financial support. These objectives will help ensure that your webinar provides valuable information and equips participants with the knowledge and tools needed to make informed financial decisions.hr.com, 3d ago
Overall, the adoption of cryptocurrencies by Gen Z represents a significant shift in the way we think about money and investing. With the potential to disrupt traditional financial systems and democratize access to wealth creation, cryptocurrencies offer a unique opportunity for young people to take control of their financial futures and build a more equitable and sustainable economy.Blockchain Magazine, 3d ago
The Middle East enhanced analytics in BFSI Market is an ever-evolving space, providing possibilities to organizations to end up being a lot more smarter in their decision-making process. This can be seen through the increased adoption of more recent technologies such as cloud analytics, anticipating analytics, expert system, as well as machine learning. With the rise in digital as well as mobile financial in area, there is an unprecedented requirement for data-driven understandings right into clients and also their preferences, and also this can give organizations with the essential one-upmanship. While companies in this area need to buy R&D to remain at the leading edge, developed players have advantages such as dependable client base, higher financial investment in resources.alliedmarketresearch.com, 3d ago

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So it is with no surprise that yet another investigative report uncovers yet another example of misbehavior denying care and payment. This time by STAT: “UnitedHealth pushed employees to follow an algorithm to cut off Medicare patients’ rehab care”. The pressure of markets, and the demand for positive financial performance overwhelms the notion of caring and as detailed in the report even pressured employees who tried to push back by threatening to discipline or fire them if failed to hit a 1% variation target even when Medicare coverage rules warranted more days of service. Imagine working in that environment, needing the job, needing the benefits, and specifically the healthcare coverage that is linked to being employed. Would you be brave enough to stand up and say you were not willing to follow the mandated procedures? This is further amplified by incentive programs for employees from the bottom to the top of the organization who are incentivized to improve the bottom line. If your bonus is dependent on those metrics your behavior is aligned the same way.Health IT Answers, 3d ago
Social media: Acknowledging that misinformation has always existed, many note that the problems we face now are directly facilitated by and tied to online platforms (Benkler et al., 2018; Howard, 2020; Zeng & Schäfer, 2021). Researchers have identified a handful of design features of platforms that are particularly culpable in facilitating misinformation. (1) First, the incentive structure of social media can be related to the spread of false and extreme content (Vaidhyanathan, 2018). Platforms' like and share features, for instance, ultimately reward emotional or sensational content by reliably attracting engagement, regardless of its accuracy. Zuckerberg himself acknowledged (2018) that more extreme content usually had more reach and engagement—that as content got closer to violating community standards, it reliably had more engagement, (2) Second, varied monetisation opportunities afforded by online platforms allow content creators to leverage their influence into financial opportunities. This incentivises profit-driven content creators to build large audiences; some do so by sharing problematic content (Center for Countering Digital Hate, 2021; Mahl et al., 2023). (3) There is also concern that the problem of misinformation online can be further exacerbated by digital platforms' algorithmic recommendation, which can promote false or problematic content to drive more engagement and keep users on the platforms (Napoli, 2019; Tufekci, 2018). YouTube's recommendation algorithm is a case in point. Despite the platform's attempts to moderate videos spreading misinformation, recent research shows that its recommendation system continues amplifying conspiratorial and pseudoscientific videos (Papadamou et al., 2022; Tang et al., 2021). Social media's algorithmic manipulation of misinformation is evident in their practice of micro-targeting, which involves tailoring advertisements to individuals through harnessing personal demographic and behavioural data. For example, previous studies have also raised concerns about the integration of micro-targeting in political misinformation campaigns (Dobber et al., 2019; Ribeiro et al., 2019).Internet Policy Review, 3d ago
While micro-factories have not taken off, nearshoring, or the relocation of factories from low-cost to high-cost countries, has gained steam in the last few years. In the past, offshoring dominated manufacturing due to the availability of cheap labor and overall cheaper operating costs. Similar to the benefit of a micro-factory, manufacturers have prioritized closeness to market to reduce the costs of transportation and logistics, which have become increasingly complex. Another reason for the rise of nearshoring includes the heightened governmental pressures for manufacturers to reduce environmental footprints. Many manufacturers now have financial incentives to nearshore and decrease their carbon footprint as it relates to transportation. Additionally, Western governments have strict labor laws, upholding high standards and giving out large fines to manufacturers who do not comply with regulations, instigating businesses to nearshore. Moreover, governments are also incentivizing businesses to nearshore by providing them with resources for developing areas in Western countries. Lastly, nearshoring provides the opportunity to lessen labor intensity, as there are more options to automate the shop floor in these large factories. While employees will still need to be hired to ensure a factory runs smoothly, instead of having thousands of workers, businesses can hire less people to use modern technology to save time and improve efficiency across the board.Design and Development Today, 3d ago
NASHVILLE, TN, UNITED STATES, December 1, 2023 /EINPresswire.com/ -- Department store chain Macy’s, Inc. could see over $7.5 billion in business improvements by the end of the decade due to Artificial Intelligence (AI) according to new research from IHL Group, a leading technology research and advisory firm. The Retail AI Readiness Profiles research nearly 200 North American public retailers and restaurant chains, evaluates the companies based on AI Readiness, providing invaluable insights into the potential impact AI can bring to their organizations. According to the research, Macy’s could see as much as $3.8 billion in increased sales, $2.1 billion in improved gross margins through lower product costs, more optimized pricing, and supply chain improvements, and then reduce by $1.7 billion sales and generative administrative costs through 2029.“Our research approach was to start by looking at opportunities from an industry-level, then to the segment and specific retailer level leveraging our public and private data,” said Greg Buzek, President of IHL Group. “We then applied a 9-point algorithm to each company that measured items like data maturity, analytics maturity, alignment with key vendors, as well as free cash flow.”The research includes gains that can be made through traditional AI/ML technologies, Generative AI, and the potential for Artificial General Intelligence. These figures do not include any savings from reducing headcount, rather they focus on creating more efficiency and supporting growth/lower expenses through greater efficiencies only. These figures do not consider any cost savings resulting from workforce reduction. Instead, it solely emphasizes the creation of greater efficiency to support growth and reduce expenses. In total, each of the retailer profiles includes the following data:• Total AI Impact from 2022-2029: Combined impact from traditional AI/ML, Generative AI, and Artificial General Intelligence.• Annual Impact by Income Statement Category: Gains in sales, gross margins, or lower operating costs.• Total AI Readiness Score and Rankings vs Competitors: Shows competitiveness in segment and overall retail market• AI Impact by Line of Business: Explore the AI potential in Merchandising/Supply Chain, Sales & Marketing, Commerce, Infrastructure, BI/Analytics, Store Systems, and other areas such as Collaboration, ERP, and Legal.• Benefits by Specific Solutions: For instance, under Merchandising/Supply Chain gain insights on benefits gained via Order Management, Assortment and Allocation Planning, Distribution Systems, Warehouse Management, etc. For a glimpse into the rich data and insights provided by these profiles, you can access the Macy’s profile here.The Retail AI Readiness Profiles are available for individual companies or enterprises can access the entire directory of profiles with ongoing access to updated data as systems evolve.About IHL Group:IHL Group is a global research and advisory firm headquartered in Franklin, Tennessee, that provides market analysis and business consulting services for retailers and information technology companies that focus on the retail, hospitality, and consumer goods industries. For more information, see www.ihlservices.com, call 615-591-2955 or e-mail [email protected]. Press inquiries, please use [email protected] or the phone number above.Note: This report is intended for informational purposes and does not constitute financial or investment advice. Please refer to the complete report and methodology for a detailed understanding of the data and analysis.CMSWire.com, 3d ago
Companies and financial institutions are shifting from voluntary to mandatory sustainability reporting and disclosure, which includes ambitious nature-positive strategies. Financial investments in nature-based solutions and regenerative agriculture are on the rise. This influx of financial backing is a lifeline, empowering farmers to make the transition to regenerative agriculture. Currently, the United States and the European Union are fostering incentives for the widespread adoption of regenerative agriculture, encouraging businesses to champion this cause. Within this context, cultivating transparency emerges as a linchpin for securing the necessary financing to propel the transition and empowering farmers by mitigating risks.World Business Council for Sustainable Development (WBCSD), 3d ago
The United Nations Development Programme (UNDP) in Guyana has collaborated with the Office of the Director of Public Prosecutions (DPP) to develop a digitised case management system.This initiative builds on Phase I of the initiative with an initial e-filing system which is currently in operation by the Office of the DPP.The primary objective of Phase II of this support is to streamline the operations of the DPP’s Office through the introduction of a comprehensive reporting dashboard and case assignment system.By streamlining workflows and enhancing collaboration, the Office of the DPP can improve efficiency, transparency, accuracy, and timeliness in its operations, ultimately contributing to better outcomes in the pursuit of justice.This collaboration aims at advancing the country’s digital agenda and contributing to the achievement of the United Nations Sustainable Development Goals 16 – Peace, Justice and Strong Institutions, and 17 – Partnerships for the Goals.This support is provided through the UNDP-SIGOB Regional Project, a regional initiative with global products that works towards more effective, responsive, and accountable public institutions through innovation in management methods and tools.The team is comprised of management, governance and lT experts who work with public institutions to improve their capacities to deliver results.The DPP’s Chambers state that the two main reasons for the digitised service are to improve its efficiency and transparency.A digitised system, with adequate protocols for access, use and security of records will also reduce allegations of mishaps with documents and records as it will allow for digital tracking and recording.Further, a digitised system will support the efficient discharge of its functions.Director of Public Prosecutions (DPP), Shalimar Ali-Hack, SC, thanked the UNDP-SIGOB Team for its collaboration to enhance the Chamber’s ability to manage cases in a consistent and more efficient manner through a digitised system.UNDP’s Resident Representative for Guyana and Suriname, Gerardo Noto, reaffirmed this as a new step in a productive partnership with the Office of the DPP in UNDP’s support for digitalisation of the public sector in Guyana.UNDP, 3d ago

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Al Ansari Digital Pay's focus on offering a seamless payment solution reflects the broader market dynamics, where security, fraud prevention, and e-commerce growth are driving the demand for advanced payment processing solutions. However, challenges like digital literacy in emerging markets and the need for stringent regulatory compliance present hurdles that Al Ansari Digital Pay must navigate. The company's commitment to financial inclusion and empowering the unbanked resonates with the global trend towards increased adoption of digital payment methods, particularly in regions with a significant unbanked population.marketsandmarkets.com, 3d ago
Graeme Bold, Workplace Pensions Director at Scottish Widows, said, “Against the backdrop of the current cost of living pressure, it is crucial to look for every opportunity to help people stay on top of their finances from day-to-day to longer term. With Moneyhub’s market-leading expertise in using data and digital connectivity to enhance financial wellness, this is the latest step we are taking to deliver on our strategy for the benefit of our customers and our shared goal to help people manage current financial challenges and build resilient futures.”...IBS Intelligence, 3d ago
Muhammad implored government to harness digital technology for sustainable primary healthcare infrastructure development in the country, adding that the summit represents a significant milestone in the intersection of healthcare, technology, and faith-based financial principles in one of Africa’s most populous and diverse nations in its quest to improve healthcare access and quality.The Guardian Nigeria News - Nigeria and World News, 3d ago

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The report, which is available for download through the form below, emphasises the importance of education and training in reducing the technology gap and defending democratic values, especially for individuals and citizens. The report highlights the significance of Web 3.0 and blockchain technology in empowering individuals with better connectivity, financial inclusion, and access to trade and public services.INATBA, 19d ago
The Cryptocurrency Information LandscapeThe cryptocurrency landscape is characterized by its dynamism, innovation, and rapid change. It's an arena where fortunes are made and lost, regulations shift, and new technologies emerge almost daily. In such an environment, accurate and timely information is akin to the compass that guides sailors on stormy seas.0xleaks.in: The Trusted Navigator0xleaks.in has consistently demonstrated its unwavering commitment to providing reliable news and analysis in a world where disinformation and sensationalism are commonplace. The platform distinguishes itself with its unwavering dedication to delivering the facts, ensuring its readers have a precise and accurate understanding of the cryptocurrency market. Unlike some sources that succumb to sensationalism, 0xleaks.in takes a principled approach by providing unbiased and credible news reporting.Expertise at Your FingertipsAt the heart of 0xleaks.in's commitment to reliability is its team of experienced analysts and industry experts. These professionals are at the forefront of the cryptocurrency landscape, conducting in-depth research and analysis to empower the platform's readers. The team constantly monitors market developments, ensuring that readers receive valuable insights and predictions that enable them to make informed decisions in the complex world of cryptocurrencies and Web3 technology.Staying Ahead of the CurveIn the world of cryptocurrencies, timing is everything. Prices can fluctuate dramatically within minutes, and regulatory changes can have far-reaching implications. 0xleaks.in recognizes this reality and ensures that its readers receive timely updates on market trends, price movements, and regulatory shifts. This commitment to timeliness equips readers with the necessary information to make decisions that can mean the difference between profit and loss.Educational EmpowermentWhether you are a seasoned cryptocurrency enthusiast or someone just beginning your journey, 0xleaks.in has you covered. The platform offers a wealth of educational content, catering to all levels of expertise. Complex concepts are demystified, making them accessible to everyone. 0xleaks.in believes that education is the cornerstone of informed decision-making, and as such, it provides a valuable resource for those seeking to expand their knowledge.Fostering a Community of EnthusiastsCryptocurrency is not just a solitary pursuit; it thrives within a global community. 0xleaks.in understands the importance of community engagement and actively encourages it. The platform offers forums, comment sections, and opportunities for readers to interact with one another. This environment fosters the sharing of knowledge and experiences, further enriching the cryptocurrency community. Whether you are seeking answers to burning questions or wish to engage in informed debates, 0xleaks.in provides a space for communal dialogue.Meet the Minds Behind 0xleaks.inThe success of 0xleaks.in is fueled by a diverse team of experts, each contributing unique skills and insights to provide well-rounded and comprehensive coverage of the crypto industry. The platform's approach ensures that readers receive a holistic view of the ever-evolving landscape. The team's collective expertise spans blockchain technology, economics, finance, cybersecurity, and many other facets of the digital financial world.Transparency and Ethical ReportingIn an industry where trust can be a rare commodity, 0xleaks.in is dedicated to maintaining the highest ethical standards in reporting. The platform is committed to full transparency and will always disclose any potential conflicts of interest, ensuring that readers can rely on the information they receive. This dedication to ethical journalism reinforces 0xleaks.in's commitment to accuracy and trustworthiness.Stay Connected with 0xleaks.inStaying connected with 0xleaks.in is easy. You can follow the platform on social media, subscribe to its newsletter, and engage with its growing community. 0xleaks.in values its readers' feedback and encourages active involvement. The platform is here to help you stay informed and navigate the dynamic world of cryptocurrencies and Web3 technology.Your Trusted Source for Crypto NewsBy choosing 0xleaks.in as your primary source for staying informed and navigating the dynamic world of cryptocurrencies and Web3 technology, you are making an informed choice. The platform looks forward to being your partner on your cryptocurrency journey and encourages you to reach out with any questions or suggestions. Your feedback is invaluable as 0xleaks.in continues to evolve and provide the best possible content and services for its readers.For More Information:Please visit https://0xleaks.in to access reliable Bitcoin, Web3, and Crypto Coin News and join the conversation today.11f, Manchester Square, Chennai, Tamilnadu.0xleaks.in is a prominent news aggregator in the cryptocurrency and blockchain space, dedicated to providing reliable and unbiased news on Bitcoin, Web3, and Crypto Coins. With a team of experienced analysts and industry experts, 0xleaks.in delivers timely updates, expert analysis, and educational content to empower individuals, investors, and enthusiasts in the digital finance landscape.This release was published on openPR.openPR.com, 27d ago
Although slightly higher, the projected increase in salaries in southeast Asia continues to defy economic slowdown concerns. Additionally, attrition rates across southeast Asia have dropped in 2023 compared to 2022 yet continue to remain in the double digits a consequence of an ever-changing talent strategy and the ongoing gap between supply and demand of talent. Attrition rates are the highest in Philippines at 17.5 percent and lowest in Vietnam at 13.8 percent. Rahul Chawla, partner and head of Talent Solutions for southeast Asia at Aon said, "As companies navigate new forms of volatility including focusing on costs and investments, salary-increase planning has become challenging across the region. A reassessment of compensation strategies based on advanced analytics is crucial for firms to stay competitive. By leveraging data from within their own organisations as well as the market, companies can make more informed decisions enabling them to not only weather the challenges of an uncertain economic climate but to thrive in an evolving workforce landscape." The report further revealed that businesses in southeast Asia are cautiously optimistic about hiring, with 40 percent of the companies reporting no changes to their recruitment numbers, and 40 percent of companies having hiring restrictions. Despite an increase in layoffs earlier in the year, Aon's data shows headcount numbers across industries are still higher than pre-pandemic levels, with layoffs mainly occurring in the non-core/expansion areas of the business, while they continue to hire for other business lines. New hire premiums are averaging between 5.6 percent and 13.3 percent, with firms becoming more cautious with compensation spends as they streamline budgets, enhance cost efficiency and reevaluate compensation strategy. This contrasts with 2022, where southeast Asia saw a hiring boom and new hire premiums averaged between 14.7 percent and 23.6 percent. Alina Cheng, head of Data Solutions, southeast Asia for Talent Solutions at Aon said, "Firms need to recognize and proactively address pay compression that is the gap in pay between employees regardless of their experience and talent to maintain an engaged, competitive and resilient workforce. When new hires receive higher compensation than long-term employees, firms start to see pay compression issues develop. The unintended consequences of pay compression can lead to higher attrition and a decline in employee morale. By focusing and nurturing talent from within, firms can subsequently decrease the need for new hire premiums while enhancing their organisation's employee value proposition." Looking ahead to 2024, salaries across industries also continue to vary in addition to the differences between countries. The retail industry continues to have the highest budgeted salary increases at 6.1 percent, followed by technology at 6.0 percent, the life sciences and medical devices industry at 5.9 percent, manufacturing at 5.8 percent and financial services at 4.8 percent. The technology sector is expected to have the highest increase in Singapore (4.5 percent), Indonesia (10.2 percent) and Vietnam (10.9 percent), compared to the manufacturing industry that had the highest year on year salary increase across industries in Thailand (8.0 percent), Malaysia (13.7 percent) and Philippines (14.5 percent). Across southeast Asia – Malaysia, Philippines and Singapore – more than half of the roles have had salary increases outrun inflation, with Singapore and Philippines having 71.7 percent of salary increases outrunning inflation and Malaysia at 56.4 percent. However, for Indonesia, Vietnam and Thailand, on average, 70 percent of salary increases lagged inflation. For 67 percent of firms in southeast Asia, inflationary pressures are included as part of their pay policy considerations when reviewing salary increases. "Southeast Asia has long been a hotbed of economic growth, attracting talent from across the globe. As it confronts the prospect of a looming recession, the dynamics of salary increases, turnover, and workforce stability take on greater significance. In these challenging times, simply increasing salaries is unsustainable for firms as they look to manage profitability and people cost amongst other factors. Having a holistic total rewards strategy based on data and analytics will therefore ensure organisations will attract and retain the right talent and continue to build a resilient workforce," Cheng added. The study, conducted in the third quarter of 2023, is based on insights from 950 companies across Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam. More information about Aon in Asia can be found here. Hashtag: #Aon...SME Business Daily Media, 19d ago
Get a Free Sample Copy of the Report: https://www.infiniumglobalresearch.com/united-states/sample-request/25909The United States Gaming Headset Market is poised to witness an impressive CAGR of 8.27% between 2023 and 2030, reaching new heights in terms of value. At the heart of this surge is the rapidly expanding gaming industry in the U.S., estimated at a staggering $43.4 billion in 2018. The market thrives on the growing passion for squad games like Fortnite, Call of Duty, and Overwatch, especially among the youth population, along with the escalating popularity of esports, boasting the highest number of professional gamers globally.Market Dynamics: Revolutionizing the Gaming ExperienceGaming headsets, a pivotal accessory in the immersive gaming experience, are gaining paramount importance as the video game industry continues to burgeon in the U.S. The demand is further fueled by the superior features of gaming headsets, offering clearer sounds, real-life 3D sound quality, and noise-canceling capabilities for enhanced communication. With over 76% of Americans having internet access, the U.S. is set to witness a rapid surge in gaming enthusiasm, with gaming headsets contributing significantly to this growing trend.Key Players: Shaping the Future of Gaming HeadsetsKey players in the United States gaming headset market, including Razer Inc., Alienware (DELL Inc.), Turtle Beach Corporation, Cooler Master Co., Ltd., and Skullcandy Inc., are at the forefront of driving innovation. These companies are instrumental in providing cutting-edge gaming peripherals that cater to the precise audible needs of competitive gamers.E-sports Boom: A Catalyst for Gaming HeadsetsThe rising popularity of esports among younger Americans, coupled with the U.S. having the highest number of professional gamers globally (approximately 8000 professional players), is a significant driver for the gaming headset market. Esports enthusiasts, known for their heavy usage of digital gaming products, are propelling the sales of gaming gears, with gaming headsets representing over 70% of the total gaming peripherals market.Challenges: Navigating the Counterfeit ConundrumWhile the U.S. gaming headset market is on an upward trajectory, the rise in availability of counterfeit products poses a significant challenge. The presence of a rampant grey market for gaming headsets, driven by online channels, leads to decreased performance, inferior construction, and brand value erosion. Counterfeiting also impacts sales, licensing, and brand reputation, hindering the growth potential of the U.S. gaming headset market.Future Prospects: Innovating for the Evolving GamerAs gaming habits evolve, and mobile gaming gains prominence, companies are focusing on designing gaming headsets with high-grade features for smartphones. Innovations such as Logitech's collaboration with Design Partners to create the G433 Gaming Headset reflect a new level of design sophistication, meeting the needs of a style-conscious and multi-faceted gamer. Comfort being a primary driver for gamers, companies like Logitech and Turtle Beach are investing in new material technologies to enhance comfort, durability, and performance.Enquire Here Get Customization & Check the Discount for the Report @ https://www.infiniumglobalresearch.com/united-states/customization/25909Table of ContentChapter 1. Report Overview1.1. Report Description1.2. Research Methods1.3. Research ApproachesChapter 2. Executive SummaryChapter 3. Market Overview3.1. Introduction3.2. Market Dynamics3.2.1. Drivers3.2.2. Restraints3.2.3. Opportunities3.2.4. Challenges3.3. PEST-Analysis3.4. Porter's Diamond Model for the United States Gaming Headset Market3.5. IGR-Growth Matrix Analysis3.6. Competitive Landscape in the United States Gaming Headset MarketChapter 4. United States Gaming Headset Market by Platform4.1. Multi-platform Gaming Headsets4.2. PC/mac Gaming Headsets4.3. Console Gaming HeadsetsChapter 5. United States Gaming Headset Market by Technology5.1. Wired Gaming Headsets5.2. Wireless Gaming HeadsetMore Insights on this report, Speak to Our Analyst: https://www.infiniumglobalresearch.com/united-states/enquiry/25909Reasons to Buy this Report:=> Comprehensive analysis of regional markets of United States gaming headset.=> Complete coverage of all the product types and application segments to analyze the trends, developments, and forecast of market size up to 2030.=> Comprehensive analysis of the companies operating in this market. The company profile includes an analysis of the product portfolio, revenue, SWOT analysis, and the latest developments of the company. => Infinium Global Research- Growth Matrix presents an analysis of the product segments and geographies that market players should focus on to invest, consolidate, expand, and/or diversify.2nd Floor, Ganadish Empire, Rahatani Chowk, Pimple Saudagar, Pimpri-Chinchwad, Maharashtra 411027About Infinium Global Research:Infinium Global Research is a business consulting and market research firm; a group of experts that caters to fulfilling business and market research needs of leading companies in various industry verticals and business segments. The company also serves government bodies, institutes, and non-profit/non-government organizations to meet their knowledge and information needs.Through our information services and solutions, we assist our clients to improve their performance and assess the market conditions to achieve their organizational goals. Our team of experts and analysts are engaged in continuously monitoring and assessing the market conditions to provide knowledge support to our clients. To help our clients and to stay updated with the advances and inventions in technology, business processes, regulations, and the environment, Infinium often conducts regular meets with industry experts and opinion leaders. Our key opinion leaders are involved in monitoring and assessing the progress in the business environment, so as to offer the best opinion to our clients.This release was published on openPR.openPR.com, 19d ago
The mercantile communities of Marwar adopted a range of strategies: acting as a pressure group upon district-level officers as well as officers in the capital by banding together into a collective, sometimes in alliance with brahman or priestly caste neighbors, and submitting petitions; offering financial incentives to extract behavioral change from “low”-caste actors; and raising and spending funds collectively towards meeting their social and political ends. Since the sixteenth century, merchants in the region had become an important part of the state itself, such that the decrees and decisions of officers, district governors, and leading ministers at court, mostly of mercantile castes, can no longer be seen as manifestations of the king’s will alone. Wielding their fiscal, administrative, and social power, the merchants of Marwar pressured the state to introduce new segregations of residential, ritual, and urban space, boundaries in water access, and separations in ritual performances of Vaishnav devotion. They also were a significant factor for why the Marwar court at this time elevated as kingdom-wide law the expectation that no one was to hurt a non-human or take an animal life. The ethic of non-harm, until then integral to particular caste and religious groups, was now imposed as law upon all. Notable among the communities associated with non-harm and vegetarianism coming into this period were the merchants of Marwar and the overlapping Vaishnav and Jain religious paths they overwhelmingly followed.UC Press Blog, 17d ago
Burns-Thompson said she looks back fondly on her 2 ½ years working to make the Navigator pipeline a reality.“I still fundamentally believe in what we were doing,” she said, and she hopes a similar pipeline will be built in Illinois in the next few years.“This pipeline development is good for the Midwest. It’s good for the industries that are economically important. It’s good for the environment. It’s good for progress. It’s good for local economies,” she said.The Navigator project would have created thousands of construction jobs, and up to $13.5 million a year in payments similar to property tax in Illinois, according to a consultant’s 2022 economic development study.But experts cautioned that the study was paid for by the company that wanted the project and relied on the company’s own financial data.“Whenever I see something like this, I would instantly think to myself, ‘What if (the benefit) is half the size? What if it’s a third the size?’” said Joshua Drucker, an associate professor of urban planning and policy at the University of Illinois at Chicago. “If that’s still really big, maybe that’s fine, but I wouldn’t take the numbers anywhere near their face value.”In the aftermath of Navigator’s retreat, Richart said opponents will continue to pursue a state moratorium on CO2 pipeline and storage projects, as well as state legislation that addresses key issues such as emergency response, emergency preparedness and setbacks, or limits on how close a pipeline can be to homes and schools.Opponents also want to assure that CO2 storage sites won’t become financial burdens to taxpayers, and that they won’t be turned over to the state when projects are complete.“We want to make sure there’s money (provided) by the operator and developer to take care of a (storage) site and monitor and deal with any emergencies that might arise for 100 years,” Richart said.On the federal level, regulators are updating safety rules that came under scrutiny after the 2020 pipeline rupture in Mississippi. Among the concerns: A relatively simple form of computer modeling that is allowed under current rules failed to predict that a cloud of hazardous carbon dioxide would reach the nearby village of Satartia.Pipeline safety advocates point to other gaps in federal regulation, including the lack of specific limits on the potentially corrosive impurities allowed in the CO2 pipelines, and the lack of any requirement than an odorant be added to carbon dioxide to alert the public to potential danger in the case of an accident.There’s still impassioned debate over whether carbon capture for ethanol makes sense from a climate perspective, given that electric vehicles have the long-term potential to be very low emissions.But for now, at least, ethanol use is widespread, and the economic incentives to lower its carbon footprint remain very strong.Trapping carbon dioxide during ethanol production is relatively easy and inexpensive, and the companies that do so can take advantage of billions of dollars in federal tax credits under the Inflation Reduction Act.Given that backdrop, Richart described her allies’ mood in the wake of Navigator’s defeat as “cautiously celebratory.”Hess, while relieved, said he is already looking to the future.“I wish I knew what the next move was going to be so we could start preparing for that,” he said. “We have won this battle, but we have not won the war, and the war is far from over.”©2023 Chicago Tribune. Distributed by Tribune Content Agency, LLC.Governing, 24d ago

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No experiment I could possibly design today is more valuable than preserving the opportunity to pose a new experiment tomorrow, next year, or in a decade. My cohort of scientists has come up inspired by imagining what it was like for contemporaries of Darwin to encounter and compare global wildlife, or during the modern synthesis, as the invisible internal mechanisms of evolutionary genetics unfurled. Now, we stare down the prospect that, during our turn, we will have to watch the biosphere die. I have peers who set out to study ancient mass extinction events only to find that the conditions that precipitated ancient mass extinction events aptly describe events now. I have contemporaries who set out to discover new species by recording sounds in the rainforest, only to capture an eerie transition toward silence. I've done very little field work and I study hardy, laboratory-tractable species that aren't endangered or picky about where they live, but even I stopped finding butterflies at my best collection site after wildfires. In my 10 years in science, I think I've never been to any research conference, on any topic, without hearing my colleagues interject dire warnings into their presentations – and I've never attended a climate-focused conference. So, the most important research question is ‘will the species I hope to study – and a stable international society that can support research activity as I've known it – survive the next 50 years?' With that in mind, with ‘unlimited’ funding, the best thing I can imagine doing for science is to fight. I think of legal support for climate protesters; cultivating honest communication platforms that bypass corporatized media; criminalizing ecocide; eliminating fossil fuels fast; protecting democracy against regulatory capture; buying out and defending the recommended 30% of Earth's surface as nature reserves; facilitating socially just transitions to safely support humans in the remaining land.The Company of Biologists, 3d ago
Sumit Kumar, Chief Business Officer at TeamLease Degree Apprenticeship, remarked, “It’s encouraging to note that the percentage of businesses eager to boost their apprentice involvement in the quarter has improved as India Inc. continues to recognize the value of apprenticeships in building a robust talent pool. Over the last three years, the net apprenticeship outlook has gone up from 41% in 2021 (Jan – June 2021) to 75% (Oct 23 – March 24) which is an all-time high. The primary reasons driving the growth are real-time skill availability, cost effectiveness, and driving community engagement under CSR. Also, initiatives from Govt. like PLI and Make in India are driving the employment opportunities for which employers are relying on apprenticeships to build a talent pipeline. 63% of employers have reported satisfactory performances of the apprentices, which is encouraging for employers to scale up the intake. Employers are beginning to realize that apprenticeships linked to a degree are much more effective and impactful in attracting the youth for apprenticeships and also longer engagements. Anticipating a promising trajectory for apprenticeship engagement in India throughout fiscal 2023, degree apprenticeship is emerging as the modern Nayi Talim, which can yield socio-economic growth for the country. Apprenticeships or work-based programs can help balance the GER with the employability factor to lead India on the path to becoming the skill capital of the world. Evidently, the impetus from the PLI and NEP and the rise of academia-industry collaboration to expand degree apprenticeships are major contributors to the ecosystem. Additionally, gender neutrality in apprentice engagement is evident amongst employers across industries. Manufacturing exhibits a greater level of gender neutrality, especially in Engineering & Industrial (20%), Automobile & Automobiles (17%), and Electrical & Electronics (13%).”...CXOToday.com, 4d ago
Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement.mid-east.info, 4d ago
AI News caught up with Victor Jakubiuk, Head of AI at Ampere Computing, a semiconductor company offering Cloud Native Processors. We discussed how they are driving high-performance, scalable and energy-efficient solutions built for the sustainable cloud.In today’s business landscape, artificial intelligence (AI) has been an undeniable game-changer, driving innovation and competitiveness across all industries. Yet, a critical hurdle has recently emerged as companies rapidly shift to cloud-native processes: a severe shortage of servers and rising operational costs. With soaring demand for computational power risking the seamless integration of AI-driven initiatives, businesses now face the urgent task of finding innovative, affordable and far more sustainable solutions to tackle this shortage – a shortage only set to continue.The impact on the environment is also a concern. A new study reveals that by 2027, the AI industry could consume as much energy as a country like Argentina, Netherlands, or Sweden. With energy-intensive graphics processing units (GPUs) a popular choice for AI workloads, this computing power has seen energy consumption and carbon footprints hit unprecedented highs.As businesses scale their digital footprints, the imperative for sustainability becomes increasingly important. The environmental impact of energy-intensive hardware poses a moral and practical challenge, demanding solutions that reconcile performance with responsible resource usage.“Efficiency is key in the future of computing,” explains Jakubiuk. “While the universe of compute and data is expanding exponentially, the focus on energy efficiency in individual workloads is notably increasing.”“Historically, GPUs were the go-to for AI model training due to their compute power. However, they are power-hungry and inefficient for production,” he says. “Deploying GPUs for inference transfers these inefficiencies, compounding power, cost, and operational complexities.”This is all the more notable as processes scale, he warns. While AI training requires large amounts of compute up front, AI inferencing can require up to 10x more total compute over time, creating an even larger problem as the scale as AI usage increases.Ampere Computing has set out to deliver solutions that meet these needs. “We focus solely on efficient AI inference on less energy-hungry central processing units (CPUs), delivering unparalleled efficiency and cost-effectiveness in the cloud,” Jakubiuk says. “Our software and hardware solutions offer a seamless transition without necessitating an overhaul of existing frameworks, setting us apart from closed-source alternatives.”...AI News, 4d ago
...“Investors that succeed in a challenging market will be those that prioritise developing more intelligent data driven insights and leveraging technology to improve efficiency and decision making. The other thing that needs to happen to encourage growth is a better transaction process that facilitates more efficient and cheaper buying and selling of commercial and residential real estate. Particularly in more challenging economic conditions, protracted transactions which are slowed down by lack of data, resources or manpower can derail a perfectly viable deal. We can’t be in that position going into 2024, especially with the range of technologies we have at our fingertips. It was fantastic to see the Chancellor confirm in his Autumn Statement an addition £3 million to digitise local council data and develop new technological solutions to speed up residential transactions. We hope that signals further investment from both industry and government to develop and integrate new technologies, particularly game-changing innovations like AI, which could dramatically speed up transaction times, saving individuals and businesses a huge amount of time and money, and creating a sector that’s better primed for growth.”...Legal Futures, 4d ago
Happenco closes $12m fund, backing founders at the earliest stages Australian first investment and advisory firm Happenco has closed its first fund, combining capital and direction to support companies at the earliest stages. Australian venture investment and advisory firm Happenco has today announced the close of its first fund, raising $12m to empower earliest-stage startups to build bold companies. The fund is led by Ben Cheyne, (ex. Deloitte Ventures), Gideon Gut-Silverman (ex. McKinsey, Google), and Omar Varts (ex. Deus Ex Machina), who bring a breadth of knowledge across startup creation, venture, retail, equity and more. They are supported by some of Australia’s most reputable family offices and professional investors, including Michael Rennie (ex. McKinsey & Co), Jeeva Suresh (Helix Collective) and the O’Rielly, To and David family offices. Launched in 2021, Happenco was built to empower accomplished leaders and innovative thinkers with the capital and direction to craft new ventures. Targeting the earliest-stage Australian startups, the new fund is the evolution of this mission, cementing Happenco’s unique approach to investing — combining an advisory firm with the investment of a venture capital fund. To date, 60 per cent of the $12m fund has been deployed across 16 companies including Neara, an electric utility software company, The Spec Sheet, an online hub for managing ad specs, and EdTripper, a platform for schools to uncover their next excursion. Working closely with industry leaders and shapers, Happenco comes on board in various capacities to help businesses succeed — whether that’s taking an active position in the business or providing strategic counsel and direction through the company’s advisory arm. Since its inception, the firm has also worked with 11 startups in an advisory capacity spanning healthtech, retail, AI, and fintech. One of the most recent examples is sustainable luxury fashion and lifestyle brand Nagnata, which also secured funding from the firm, bringing Happenco’s total portfolio to 27 companies. Ben Cheyne, Managing Director at Happenco said: “There are so many brilliant subject matter experts in Australia, many with the desire and conviction inside to innovate and build something great. “Navigating how to get it off the ground can be the hurdle that keeps some of our best ideas locked in a box. We see a gap in our market here in Australia at the earliest stages – we want creators to play their strengths and provide technology build, operational and financial capability where needed. “We are so lucky to work with so many people we admire for their creativity, resilience and conviction and we want to do more of it. In this crazy world we would like to contribute to the growth of Australia’s sovereign capability and capacity to innovate, we believe it is in our nation's DNA to have a crack and we are here to support that.” Gideon Gut-Silverman, Executive Director at Happenco said: “Australia’s startup landscape is shifting, spurring a bigger chasm between ideation and funding for early-stage startups. At Happenco, we’re firm believers that ambitious founders warrant support regardless of how tough the market is. Our latest fund helps us to achieve that. “Success to us is creating the opportunity for ideas to become bold companies. It's about backing the next generation of Australian startups, bringing them on the journey from an initial spark to a homegrown success story .” Michael Rennie, Managing Director, Sterling Black, and ex-Managing Partner Australia and New Zealand, McKinsey & Co: “The Happenco team is disciplined, performs deep diligence, and their first fund already has some excellent investments. The partners roll up their sleeves during good and tough times to support expert founders to build great companies.” Happenco is an Australian investment and advisory firm empowering accomplished leaders with capital and direction to build and grow bold companies. We follow capital with advice. We go all-in, early. And offer much more than a cheque. We’re hands-on, getting under the skin of a business to understand the tailwinds and headwinds, and we become a part of the team because this is how we can add real value for the long run. And with it, help more brave ideas come to life.SME Business Daily Media, 4d ago

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...with emotional situations or struggling with their mental health. These are complimented by the Reflection and Resilience program. It is Authentic Responses’ aim to continue building its reputation as a stellar training programme and work with more clients to find their authentic voice. Armed with the necessary tools and resources, clients can feel confident in their ability to forge connections with callers while looking after their own mental health. Authentic Responses is proud of its flexible, transparent solutions and its staff’s dedication to exceptional customer service. For its commitment to authenticity and empowering quality interactions, Authentic Responses has received our award for this year’s Best Crisis Helpline Training Company – UK. Contact: Priya Shah Company: Authentic Responses Web Address: www.authenticresponses.co.uk Oct23323 Best Crisis Helpline Training Company 2023 - UK Based in London, Authentic Responses is a soft skills communication training company. The agency specialises in high-quality operator training courses, reflective practice sessions, and coaching. Its training focuses on communication skills for remote services, suicide awareness, building resilience, and developing self-care mechanisms. Authentic Responses aims to provide its clients with the resources and knowledge to forge authentic connections and provide quality interactions. It is Authentic Responses’ philosophy to help clients express their authentic voice. The agency offers a suite of holistic training courses designed to develop skills and gain the required knowledge to respond to callers with confidence. Authentic Responses understands that every company is different, and courses can be tailored to meet clients’ unique needs and challenges. The organisation is passionate about its work and advisors are always available to provide support. Its core values of authenticity, adaptability, confidence, and wellbeing are fundamental pillars that reinforce the company’s solid foundation. Authentic Responses aims to deliver bespoke materials by utilising the case studies, examples, and evidence acquired during the consultation process. Trainers use their own experiences and share honest examples to deliver a transparent, fluid course. Animations, sound clips, and short films are also included to foster curiosity and build knowledge. Authentic Responses is flexible in its approach and able to adapt sessions to clients’ specifications. Courses can be delivered in a small group or in a series of sessions to provide greater accessibility and adapt to differing work patterns. The agency has a bespoke online platform that can be made available to anyone who has attended a course. The platform enables learners to reflect on their knowledge and engage at a deeper level. The company prides itself on its informative courses, skill-based learning, and overall customer experience. Staff’s objective is to build clients’ confidence to respond to difficult enquiries and navigate challenging conversations. Authentic Responses offers a Reflection and Resilience program that considers how working in this sector impacts employees and incorporates strategies for self-care. Many workforces now operate a hybrid model. Despite the many benefits, this style can create feelings of isolation for team members. Authentic Responses collaborates with team leaders to understand how to best provide support. Employees of all ages have been feeling the impact of stress, fatigue, and mental health challenges. The company works with specialist organisations to develop sessions that incorporate good self-care routines and mental health toolkits. In response to the global increase in mental health conditions, Authentic Responses has developed a suicide awareness course tailored to the corporate sector. The organisation recognises the importance of being able to seek and provide mental health support. Within a two-hour session, a trainer focuses on delivering the language to speak about suicidal ideation, how to use a framework to manage a conversation, and the best agencies to signpost. Authentic Responses has recently been working with organisations on how to effectively respond to clients with complex needs. Companies supporting those with personal injuries, financial difficulties, or relationship breakdowns have asked Authentic Responses to deliver courses to meet these specific needs. Training is now being provided on how to respond to clients who are dealing...corporatevision-news.com, 20d ago
With the advent of AI, there has been a significant structural shift in the banking industry, not only in the MENA region but across the globe. As technology evolves, the banking industry will likely see further advancements, with a focus on more sophisticated applications and a continued emphasis on improving customer journey, operational efficiencies, security & adherence to regulatory standards.There awaits a huge potential for growth in AI & Analytics adoption across the banking sector and an enormous opportunity for those entities that choose to seize it. But there are certain challenges & a range of factors contributing to their relatively low AI maturity that hinders positive business outcomes.This necessitates long term strategic collaborations, building viable partnerships, encouraging knowledge sharing, investing in talent development, community engagement and sincere commitment to building sustainable & futuristic banks of tomorrow.The Middle East Banking AI & Analytics Summit 2024 caters to the needs of the banking sector by creating a favorable environment for seamless exchange of critical information to help banks & financial institutions to cut through the complexities & seize the opportunities by getting back to the fundamentals.As these challenges are navigated, the banking industry can unlock the full potential of AI and analytics for growth and efficiency by identifying specific & practical uses cases of AI & analytics within their business operations.Do you want to achieve your business objectives? Join us in illuminating the path to innovative and effective solutions!Why to Attend?1. Stay Informed on Industry Trends: Gain insights into latest advancements, best practices, and innovative ideas in the field of AI & data analytics specific to the banking sector to stay ahead of the curve.2. Networking Opportunities: Open doors to collaborations, partnerships, and potential business opportunities. You can exchange ideas, discuss challenges, and build relationships that may prove valuable in your professional journey.3. Success Stories: Hear stories from industry leaders who have successfully leveraged AI & analytics to solve business problems, improve efficiency, and drive growth. Learning from the experiences of others can help you identify specific & practical uses cases within your business operations.4. Products & Solutions Exploration: Experience live demonstrations of relevant AI & analytics tools under one roof. Interacting with experts can help you understand the capabilities of different solutions, compare offerings, and make informed decisions about implementing AI and analytics technologies in your organization.5. Professional Development: This summit can contribute to your professional development by expanding your knowledge, skills, and expertise in the field of AI and analytics providing a global perspective & fostering exchanging of ideas.6. Industry Recognition: Enhance your visibility & credibility by attending and participating in then MEBANKINGAI Tech awards that recognizes outstanding contributions to the industry in the field of emerging technologies. Thematic Discussions:1. Leadership Strategies for Building Futuristic Banks in MENA2. Pioneering a Way Forward: Digital Transformation for a Dynamic Financial Ecosystem in the UAE3. Building Trust in the Era of AI-Powered Banking4. Powering the Future of Banking: Navigating the Challenges5. Data & AI at the Core of Banking Transformation6. Data Enablement for AI7. AI & Analytics: Game Changer for Security & Compliance in Financial Sector8. Elevating Your Customer Journey: AI & Analytics to the Rescue9. Data Ethics in Banking: Navigating the Regulatory norms.industryevents.com, 6d ago
The India microfinance market is poised for significant growth, with a projected CAGR of 11.3% until 2028. This growth is driven by the aim to assist the unbanked population in achieving self-sufficiency, improved risk management, and initiatives to boost consumer awareness and micro insurance.Download Free Sample of This Strategic Report: https://reportocean.com/industry-verticals/sample-request?report_id=MR526The microfinance industry is adopting cutting-edge technology to expand its reach and revenue potential. The use of digital technology, including point-of-sale systems, ATMs, mobile banking, and other innovations, enhances accessibility and offers opportunities for market expansion. The Indian government has introduced financial assistance programs for current and future micro, small, and medium enterprises (MSMEs), facilitating their establishment and growth.There is a significant shift from traditional lending to microfinance due to increased smartphone and internet penetration. Online finance has experienced remarkable growth in recent years, with many individuals and companies opting for online loan applications over traditional lending processes. The microfinance sector has swiftly transitioned to a more efficient digital model, covering a larger population at a lower cost. Easy loan application processes and benefits such as automated loan administration and quick approval contribute to market expansion.Excessive interest rates on small loan amounts pose a challenge to the market's growth. Microfinance organizations and microlenders charge high interest rates to generate revenue. Short repayment terms and high fees are consequences of this revenue-driven approach. These institutions often rely on significant borrowing from banks and other entities, leading to high interest rates and limited market growth. Stricter government regulations and limited access to traditional microfinance banks that can collect deposits also hinder market expansion.The India microfinance market is segmented by end-users, including agricultural and allied services, services, trade and business, education, production, and others. The agricultural and allied services segment holds the largest market share, providing farmers with low-interest loans and professional advice to break free from poverty. Trade and business are also expected to dominate the market, with microfinance supporting small business loans that adhere to ethical lending principles. These loans primarily assist business owners in underdeveloped nations operating microenterprises, such as basket production, stitching, street vending, and poultry farming.Leading market players in the India microfinance market include Jana Small Finance Bank, Belstar Investment and Finance Private Limited, Ujjivan Small Finance Bank Limited, Satin Creditcare Network Limited, Annapurna Microfinance Pvt Ltd, BSS Microfinance Pvt Ltd, Fusion Microfinance, Future Financial Services Private Limited, Asirvad Microfinance Pvt Ltd, and others. These companies maintain their market dominance through research and development, technological advancements, and strategic alliances. The market presents significant business opportunities, and consulting analysts can provide crucial insights to facilitate business growth.Request To Download Sample of This Strategic Report:- https://reportocean.com/industry-verticals/sample-request?report_id=MR526The comprehensive report offers in-depth analysis, upcoming trends, market statistics, recent technology trends, and industry insights to help decision-makers make informed strategic decisions. The report also analyzes growth drivers, challenges, and competitive dynamics within the market.Market Overview...openPR.com, 5d ago

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These tokens can then be sold, providing financial incentives for preserving nature. Single.Earth has already captured investor attention, securing $7.9 million in funding. Its innovative approach not only supports landowners in making greener choices but also contributes to the broader fight against climate change, signalling a new era in environmental stewardship and economic opportunity.TechRound, 4d ago
..."We have developed solutions aimed at addressing the financing and payment gaps experienced by Indian SMEs, empowering them to establish a significant presence in the global manufacturing arena. Our focus lies in resolving crucial issues such as accessibility to working capital, efficient payment solutions, and risk management", he remarked. This initiative is a response to the challenges that SMEs encounter while navigating through conventional cross-border payment and financing methods, which are often complex, expensive, and lack transparency. These traditional systems tend to favor larger corporations, leaving SMEs in need of more streamlined and personalized solutions.siliconindia, 4d ago
At the inauguration, Rajan Sethuraman, CEO of LatentView Analytics, said, “At LatentView Analytics, we’re driven to go beyond traditional philanthropy and financial support and intend to make a meaningful difference in society. Project Apporva is an opportunity to transform lives, and we are committed to this mission.” He added, “Our passion extends to our employees, who actively participate in our initiatives. We are keen to utilize our data expertise and resources to create tangible, lasting change in the youth of Tamil Nadu.”...LatentView Analytics, 4d ago
The story of Amanpreet Kaur is no different from Pourana. Kaur lost her husband during Covid and since then she has been in the driving seat of their wealth advisory business in Chandigarh.She along with her husband started their investment and financial services company in 2015. Kaur thinks that women make very good financial planners and advisors as they are adept at managing homes. She says: “The reason why women can be more successful in this business is because they understand the problem and suggest solutions to clients, unlike men who are more focused on selling.”Kaur’s pet project is to provide financial literacy to young students, who she still teaches in college. She has taken her college lecturer’s role to the next level by conducting classes on investments and savings. She says: “I am a lecturer at SD College but I am very passionate about investing. While I still teach, I also conduct seminars and programmes on investing with students because it is important. I even help my staff at home and office to invest in mutual funds so that they can save for their children’s education.”NJ Wealth is not only making their investors rich by deploying their hard earned money into financial instruments but are also making their distributors wealthy. NJ has a plug-and-play platform that mutual fund distributors can onboard and get started with seamlessly. They enroll mutual fund distributors on their own platform and provide them with a plethora of services that helps them scale the business. Distributors are encouraged to carry out both physical and digital activities to take the equity cult deeper into India.Of the total number of ARNs (AMFI registration number) who enroll to distribute funds to consumers, the majority of them are onboarded by NJ Wealth. There are four crore mutual fund investors in the country today but many more distributors to bridge the gap between demand and supply as more Indians take to the equity cult.Business Insider, 4d ago
In response to the challenges and experiences of employees, the human resource leaders and practitioners have shifted their focus more on addressing people’s needs to sustain their engagement and improve their performance to achieve organizational goals. The HR management functions of attracting, developing, rewarding and retaining employees need to be both strategic and human-centric, so that workers will be more productive, competitive, innovative and resilient in serving its customers/markets. The HR department, together with the organization’s leaders, decision-makers and line managers, have to ensure that digital transformation of HR functions are done with the users in mind, instead of focusing only on automation of services and experiences.This training course is designed to support HR leaders and professionals in their quest for best practices that will be more beneficial to their organization’s human resources and for the achievement of business targets. By providing them a better understanding of how to be both strategic and human-centered in their HR strategies and initiatives, and giving them opportunities to explore various frameworks, tools, and techniques, they will be able to translate strategic thinking into actionable outcomes that will make all stakeholders happy.Asian Institute of Technology, 4d ago
By leading the development of innovative financial solutions, Feeney and Hitchcock-Gear have been instrumental in expanding customer access to investing, insurance and retirement security, particularly for underserved communities such as Black Americans. They are also recognised for role modelling inclusive behaviours themselves, including through their sponsorship of an employee resource group that supported women during the pandemic as they negotiated unique challenges – both personally and professionally.The Geneva Association, 4d ago

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HONG KONG SAR - Media OutReach - 15 November 2023 - In the current digital era, Taiwanese businesses should actively participate in industry ecosystems, rapidly share data and resources, and collaborate with partners and government agencies to promote innovative services. Software AG supports the Ministry of Digital Affairs in formulating a roadmap for Taiwan's transformation into a digital economy. They were invited to share their experience in building the European cloud and data infrastructure project - Gaia-X – and pointed out that ecosystem-driven business models can yield profit margins even higher than their peers by 27%. In this digital age of interconnectedness where data is considered an asset, and data-based services and decision making are key to remain competitive, businesses that aim to succeed should not rely solely on their own individual efforts. By establishing and participating in industry ecosystems, and by swiftly exchanging data and sharing resources and business functions with partners or government agencies, they can accelerate the launch of various products and services and speed up innovation. According to research by MIT Sloan School of Management Review, if a company's profit model is driven by an ecosystem, its profit margin can surpass that of its peers by 27%. Therefore, to help domestic information service providers align with international standards, the Ministry of Digital Affairs recently organized the "Digital Transformation International Fourm: Envisioning Taiwan's Digital Competitiveness". Dr. Christoph F. Strnadl, Deputy CTO at Software AG, a leading enterprise integration company, was invited to share his experience in building the European cloud and data infrastructure project – Gaia-X – during the event. Dr. Christoph Strnadl stated that there are two key prerequisites for establishing an ecosystem: building trust and providing data and service integration mechanisms. After all, not all participants in an ecosystem are necessarily direct upstream or downstream suppliers of a company, but rather suppliers or partners who sell to the same group of customers. According to Strnadl, there are three modes for realizing an ecosystem. The first mode involves having a trusted platform provider where everyone is willing to upload/download data on the platform. This mode is the fastest and most cost-effective way to establish an ecosystem. However, ecosystems will not always be able to find such a trusted party in the middle every participant is willing to hand over its data. The second mode does not have this central platform but relies on creating a trusted and standardized data space. Each identity, authenticated as a member, can engage in peer-to-peer data exchange using certified (so called) data space connectors. Catena-X, the German-led international automotive supply chain data space with potentially 250,000 suppliers, is an example of this mode. The third mode is the one adopted by the Gaia-X project. It involves the management of the ecosystem by one or more coordinators who implement and enforce core Gaia-X standards, possibly extended by ecosystem-specific rules. It is important to note that, in contrast to the second mode, the third mode allows for sharing not only data but also services. After applying for membership, participants can obtain permission to establish/join the ecosystem by installing relevant software components such as connectors or credential managers (protecting identities and ensuring trust), or by subscribing to services from suppliers. Data and service providers will enter their respective offerings into a suitable ecosystem catalog where potential consumers are easily able to find the required data assets or service functions. Regardless of the type of ecosystem, whether it's a healthcare data space, financial data space, or mobility data space, members can participate in any role (provider and/or consumer) and are potentially able to access all data (and, if supported by ecosystem standards, services) available. Gaia-X, moreover, aims to facilitate the provision of federated cloud data infrastructures that ensures user data sovereignty, in addition to the platform services offered by major public cloud providers. This will facilitate cross-domain data sharing and interoperability in areas such as finance, healthcare, and society, promoting the development of the digital economy in Europe. Taiwan's competitive edge in semiconductors, ICT, and precision health is fueled by industry consensus and supportive government regulations. In such a cooperative environment, ecosystems will further extend data and resource sharing allowing the realization of innovative technologies and services. This next level of collaboration accelerates progress, addresses complex challenges and attracts investments and talent. This industry-led approach, coupled with government support, fosters innovation, and solidifies Taiwan's global leadership position. Embracing ecosystems and facilitating data and service sharing unlocks Taiwan's full potential, driving economic growth in future-shaping industries. Hashtag: #SoftwareAG #DigitalTransformation #API #Cloud #Infrastructurehttps://www.linkedin.com/company/software-ag/https://www.facebook.com/SoftwareAGhttps://www.youtube.com/user/SOFTWAREAG...SME Business Daily Media, 19d ago
DSGS is a California statewide program introduced by the California Energy Commission. It incentivizes owners of distributed energy resources (DERs), such as battery storage systems, to discharge excess energy to the grid and help stabilize it during periods of high demand. The discharged energy helps prevent wide-spread power outages, allowing essential community resources, such as banks, grocery stores and gas stations to operate without disruption, and helps families stay safe and comfortable in their homes. Electriq's system was recently tested during the 2023 DSGS program period, during which the PowerPod 2 systems currently in the field were called upon to provide support and successfully completed the test. Owners of the PowerPod 2 can begin earning money using their battery storage system through the new virtual power plant (VPP) program. With Electriq's proprietary software, owners have the capability to ensure they're optimizing their stored energy to achieve the energy resilience goals they desire — from retaining sufficient backup power and utilizing stored energy during peak electric rates, to participating in grid services programs. "Electriq continues to develop our software technology, designed to balance the complex and dynamic needs of customer bill management, customer resiliency, and grid resiliency as it relates to how solar energy is stored and discharged in a post NEM 2.0 world," said Frank Magnotti, Electriq's Chief Executive Office. "Achieving this balance is not an easy undertaking, and it requires the right mix of technology and expertise to ensure the effective optimization of both customer and grid needs. We will continue to innovate with a dedicated focus on becoming a leader in the industry in this regard." Electriq has Sustainable Community Networks programs under the PoweredUp brand with a number of municipalities in California and Connecticut. These programs allow homeowners to install solar + battery storage systems in their homes at zero upfront costs, breaking down entry barriers to clean energy. There is no income, FICO score or property lien requirement to participate, allowing all households, regardless of social class, to participate. The Sustainable Community Networks program will be essential as utilities begin to rely more heavily on distributed energy resources. About Electriq Electriq (NYSE:ELIQ), founded in 2014 in Silicon Valley, provides turnkey intelligent energy storage and management solutions for homes and small businesses. Electriq's solutions deliver always-available, low-cost clean energy, even during intermittent outages and inclement weather. Those solutions enable cities, municipalities, and utilities to provide their constituents with a path to sustainable and resilient sources of energy, regardless of socio-economic status. For more information, visit www.electriqpower.com.altenergymag.com, 25d ago
The university’s exit was an enormous blow to the Maryland-based 2U. USC was the first school to sign on with the startup 13 years ago. 2U donated $2.5 million to endow a chair for Flynn, and after the company went public, she touted its benefits to investors. Even Paucek’s wife earned a master’s degree in education at USC.The university remained important to 2U’s bottom line even as it rolled out degree programs at public and private educational institutions around the world, eventually contracting with more than 200 of them. Company share prices plummeted about 60 percent on Friday, to about $1 per share.On campus, administrators and faculty welcomed the split with 2U. (The company will continue facilitating a physical therapy program.) The model had driven the social work school to recruit more and more students to cover overhead. Even after raising tuition to more than $100,000 and swelling enrollment from 900 to 5,000, the school could not make ends meet. A 2019 budget crisis led to a wave of layoffs and doubts about the school’s future.Vassilios Papadopoulos, interim dean of USC’s school of social work for the last 18 months, said when he initially studied the school’s books, it seemed clear the only way forward was ending the relationship with 2U.“Thirteen years ago, it was a great thing, but times change, technology changes,” Papadopolous said of the 2U partnership. Then, USC offered the nation’s only online master’s degree in social work. Now there are dozens throughout the country — at prices that are often far cheaper.In recent years, administrators have pushed to overhaul the school and make it more affordable, slashing tuition by 25 percent in 2022. Enrollment has now fallen to 1,000, and Papadopolous said the school is focused on quality over quantity.“Growth is not really the big vision here,” he said.Online education will remain a priority at USC, but run within the university. Its staff was able to develop and operate its own online programs that did not require revenue sharing with 2U. The COVID-19 pandemic supercharged those efforts as faculty embraced distance learning and the price of buying and customizing technology continued to fall. But the 2U contracts limited how much the university could do on its own.Those agreements contained a “poison tail,” which obligated USC to continue handing over its revenue share for two years after canceling, the L.A. Times has reported.The Rossier School of Education used 2U to offer three master’s programs and one doctoral degree.Pedro Noguera, an education policy expert and dean of USC’s education school, said the leaps forward in technology made it difficult to justify the company’s fees.“They’re going to probably be in jeopardy unless they figure out ways to maneuver,” Noguera said of 2U. “That’s true in many tech companies, and I think 2U is going to be faced with that right now.”2U declined to make executives available for interviews.Paucek, the longtime CEO, acknowledged the importance of the L.A. university to his business in 2017, saying, “You can argue that 2U wouldn’t exist without USC.” On a call with investors Friday, he said that “ultimately, the programs we agreed to exit [from USC] no longer align with our platform strategy.”Noguera said the education school did not face financial hardship from its online learning contract, but he said that ending the 2U relationship still delivered benefits.“The main benefit is it gives us the ability to expand and to make changes in the way we design our programs without having to work through it with our partner, because we have control,” he said.Administrators emphasized that students will not see differences in how they attend courses online and that the academic content will remain the same.Faculty and staff at USC were widely pleased with the move.“Calling it a ‘relief’ is maybe too strong. But I would say we are happy about the separation,” Noguera said.Papadopolous said that after the announcement went out to faculty, he received “very positive messages.”©2023 Los Angeles Times. Distributed by Tribune Content Agency, LLC.GovTech, 20d ago
The Switzerland food safety testing market is anticipated to witness significant growth in the upcoming years, owing to increase in global concerns about food contamination and implementation of stringent federal government guidelines to monitor food safety & security. Moreover, the demand for food safety tests, which include testing food for pathogen, genetically modified organism (GMO), and chemicals & toxins are on rise, owing to increase in threats to public wellness caused by microbial and chemical pollutants.Moreover, rapid urbanization and transforming lifestyle are driving the growth of the Switzerland food security testing market. Furthermore, rise in consumer need for processed food is improving supply chain monitoring, to minimize the risks of contamination. This factor, combined with surge in purchasing power of the consumers, has been fueling the market growth.Furthermore, rise in consumer awareness concerning food security has been driving the demand for food safety examinations in Switzerland. In addition, increase in demand for organic food among consumers is leading to a boosted need for quality assurance and consumer guarantee, which, in turn, is driving the demand for food safety testing kits. Moreover, to comply with the strict laws pertaining to the food safety standards, businesses in Switzerland are spending considerably on advanced technologies to decrease food contamination and guarantee optimum safety.Furthermore, increase in private financial investments from equity capital funds to develop advanced food safety testing kits is expected to offer lucrative opportunities for the expansion of the market during the forecast period. Moreover, federal governments and governing bodies throughout the country are introducing different laws & regulations to guarantee food security & quality assurance. This, in addition to the broadening range of study & development.Furthermore, change in the Switzerland food safety testing market, from hands-on testing to automated & high-end technologies is driving the market. Companies in the country are investing heavily in high-end innovations such as agar culturing, PCR-based assays, and immuno-assays, to examine food for microbial & chemical pollutants and ensure compliance with food safety guidelines. Moreover, rise in rapid examinations is considerably driving the market. As a result of the expanding need for portable testing options, various companies in Switzerland are introducing mobile food safety testing packages, which are utilized for discovering foodborne virus and toxic substances. Moreover, the introduction of new techniques such as next-generation sequencing, liquid chromatography/mass spectrometry, and biosensors is anticipated to fuel the development of the Switzerland food safety testing market.Furthermore, companies in Switzerland are embracing a number of strategies such as product development and diversity to gain a competitive edge in the market. Moreover, they are concentrating on launching ingenious products and services to reinforce their market positions. In addition, companies are focusing on establishing quality assurance systems to ensure the highest levels of food safety & security. Moreover, mergers & acquisitions among food security testing companies in Switzerland are causing calculated collaborations, partnerships, and in-house R&DThus, the Switzerland food safety testing market is witnessing a considerable growth due to increase in demand for food quality assurance, stringent government policies to enhance the food safety standards, and rise in financial investments from financial backing funds. Moreover, companies in Switzerland are concentrating on establishing innovative monitoring techniques and launching ingenious food security testing kits. In addition, they are concentrating on market advancement in different regions and broadening their impact in foreign markets with the help of strategic collaborations with mergers & acquisitions.alliedmarketresearch.com, 24d ago
...“[Our] digital technology initiatives have not only contributed to operational improvement and financial savings, but also resulted in ESG [environmental, social, and governance] improvements,” said Kumar. Using the digital twins to monitor materials and fuel consumption, KPIL reduced in-situ casting of the concrete tower foundation and diesel fuel consumption, minimizing the project’s carbon footprint. This 225-kV transmission line project eliminated usage of diesel power generation in the region, reducing carbon emissions equivalent to 450 megatons per month. KPIL’s digital initiatives facilitated timely completion of a critical national project, delivering sustainable power supply to indigent regions of Cameroon.POWER Magazine, 4d ago
Embedding ESG within investment conditions and mandating sustainability targets ensures that this aspect remains a primary focus in businesses’ plans, rather than secondary to financial imperatives.This trend is only set to grow. EY notes that 57% of PE firms have embedded ESG considerations within their decision-making. In 2022, 26% of firms decided against investing in a business or fund due to inadequate ESG policies.While it’s clear sustainability considerations are growing among PE and VC investors, the reason why is still up for debate. Have firms seen the value of investing in organisations that prioritise sustainability? Or are they simply reacting to new legislation and public sentiment? Put simply, is this focus reactive or proactive?Understanding this not only helps to identify who truly drives change in society – legislators, businesses and investors, or consumers – but also offers essential insights to businesses seeking investment, instructing them on how best to keep up with emerging trends.Determining how these factors intersect requires a considered analysis incorporating both numerical and qualitative data. To do this, sustainability specialists FuturePlus and text analysis software Relative Insight have pooled their resources to pinpoint the trends behind investors’ pivot towards ESG — and what this means for businesses.Examining a breadth of sources, from PE and VC firms’ own websites and reports through to public discourse on sustainable investment, this report pieces together which elements are most critical to shaping the current environment around investment and ESG, as well as identifying the trends that are set to influence sustainable finance in the future.Key insights include:...CityAM, 12d ago

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Electronics For Imaging, Inc. is revolutionizing the transition from analog to digital imaging by providing a range of digital and scalable products. EFI empowers businesses and enterprises to boost productivity and cost-effectiveness through its comprehensive product suite, which includes industrial inkjet printers and inks, web-to-print and productivity software for business automation, robust digital front ends, precise color management tools, eCommerce solutions, and mobile and cloud printing solutions. As a well-established brand, EFI is renowned for its commitment to innovation and quality in the digital imaging industry. The company offers Cretafit and Cubik printers specifically designed for the tableware industries, and these printers have gained widespread acceptance among clients worldwide. The corporation maintains a global footprint, with a notable presence in key regions such as North America, Europe, and Asia. Its international reach extends to countries including China, Japan, Turkey, Spain, the Netherlands, Italy, Israel, India, Germany, Canada, and the United States. The company boasts a robust network of global partners. EFI's extensive product portfolio encompasses a diverse range, from Fiery digital front ends to super wide inkjet printers. This comprehensive suite empowers partners worldwide by delivering an end-to-end workflow solution. This enables them to achieve optimal cost efficiency per label and streamline their business processes, providing a distinctive competitive advantage for success. With a proven track record, EFI has excelled in establishing and maintaining long-term customer relationships. Serving a variety of industries such as commercial, quick, and signage printers, ceramic tile manufacturing, packaging converters, and more, Electronics for Imaging, Inc. prioritizes research and development to stay ahead of the competition. The company allocates 16% of its annual revenues to research and development, strategically investing in emerging technologies and addressing evolving market demands. This commitment positions EFI to navigate diverse product requirements effectively, thereby solidifying its strong industry presence. EFI's dedication to innovation has been a key driver of its success. Recognizing this commitment, the Spanish government, through the Industrial Technological Development Center (CDTI) and the Spanish Trade Institute (ICEX), awarded EFI grants in both 2021 and 2022. Anticipating continued support in 2023, EFI expects a combined funding of USD 6.7 million from ICEX and the Strategic Projects for Recovery and Economic Transformation (PERTE) programs.marketsandmarkets.com, 4d ago
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indicators, individuals, industry, Industry Reports, information, information becomes, informed, Innovation, insecurity, Insider, insider threats, insights, integration, interactive, interpretation, Interviews, into, introduce, intuition, invest, investment, Investments, involved, involves, irrelevant, Is, issues, IT, ITS, Job, Key, Key Performance Indicators, KPIs, lack, landscape, language, large, lead, Leaders, Leadership, leading, learning, Leverage, leveraging, License, lies, likelihood, location, machine, machine learning, Machines, Made, Main, maintaining, maintenance, major, major issues, make, Making, making informed, management, managing, manual, Market, Marketing, maximum, May, meaning, meaningful, measurable, measures, Media, methods, Might, Mindset, minimize, mitigate, ML, ML algorithms, modeling, models, Modern, monetary, Monitor, more, Moreover, most, must, Navigate, necessary, Need, needs, Next, next step, NLP, objectives, observations, of, often, on, ONE, only, open, Operations, operators, Opinions, opportunities, optimize, Options, or, organization., organizations, organizing, Other, outcomes, outdated, overall, overall business, Overcome, overcome resistance, overcoming, overwhelming, Own, own information, particularly, past, patterns, peers, performance, personal, personal data, place, plato, Plato Data Intelligence, PlatoData, play, plays, policies, Posts, potential, potential risks, power, practices, predict, Predictions, Predictive, predictive analytics, Predictive Modeling, preferences, presented, prevent, previous, primary, privacy, privacy regulations, problems, procedures, Process, processes, processing, productivity, Products, professionals, Progress, promoting, proper, protect, provide, provided, providing, purchase, qualitative, quality, quantifiable, quantitative, quick, quickly, rather, real, real-time, reduce, reducing, redundant, refers, regarding, regular, regularly, regulations, regulatory, Relationships, relevant, Relevant Information, reliability, reliable, relying, repeat, repetitive, Reporting, Reports, required, Requirements, requires, Resistance, Resources, resulting, Results, return, return on investment, reviewing, rewarding, risks, Roadmap, robust, ROI, role, roundup, s, safeguarding, sampling, satisfaction, Savings, security, Security and Privacy, security measures, Select, selective, sensitive, sentiments, Series, sets, setting, Share, sharing, shift, should, shutterstock, significance, single, skilled, Social, social media, social media posts, Software, solid, solution, Solutions, SOLVE, some, sources, specific, standardized, statistical, step, store, Strategic, Strategies, Strategy, strict, structured, structured and unstructured data, structuring, successful, Such, summed, supply, supply chain, surveys, Systematic, Systems, tailor, Take, Target, targeted, tasks, techniques, Technologies, text, textual, Than, that, The, The Information, their, Them, then, These, they, this, those, threats, Through, throughout, time, to, Today, together, too, tools, toward, track, traditional, Training, transcription, transparent, Trends, turning, ultimately, unauthorized, Uncertainty, uncover, under, understand, understandable, Understanding, unstructured, unstructured data, up, Updates, use, Used, users, using, usually, utilized, utilizing, validating, valuable, Valuable Information, values, variety, Various, Vast, visual, visualization, Visualizations, Visualize, vital, volume, way, WELL, What, What is, When, where, Which?, while, WHO, wisely, with, within, without, Work, work together, working, zephyrnet...Zephyrnet, 4d ago
...“Expanding our payment scope is an integral part of implementing UnionPay’s concept of shared growth, which means that in addition to mutual benefit with our partners, we are also committed to giving back to society,” said Cai Jianbo, President of China UnionPay and Chairman of UnionPay International. “By promoting increased financial integration capabilities, we are providing more convenient and reliable services for people in numerous places to integrate and interoperate across various regions and countries.”...IBS Intelligence, 4d ago

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A good information architecture needs board directors to pay attention to internal issues as well as external ones. Internal information, originated by management, reach the board as briefs and summaries, prioritizing issues according to their strategic relevance, sometimes suggesting a set of actions [5]. Such approach is necessary, however not sufficient. Boards also need to be aware of the external context surrounding the organizations they serve, understanding the business’s customers, the competitive landscape, mapping diverse stakeholders’ concerns, assessing technological risks among other strategic issues. Moreover, boards need both formal and informal information channels. The former comprising for example, CEO reports, financial status reports and forecasts. The informal information channels may range from engaging with peer directors on a case-by-case basis, to getting in touch with management and the workforce. Having lunches and coffees with key personnel should never be overlooked, as it is an excellent way of gaining awareness about relevant business issues. Obviously, such shall be done within the right balance. Directors should also ensure they get as much information from independent sources, in order to avoid ‘blind spots’, while preventing the bias from management frames. Boards shall be proactive in designing their specific information needs, to ensure their jobs are done effectively, while at the same time avoiding the pitfall of excessive information that may result in dysfunctionality and suboptimal performance.The European Business Review, 4d ago
The QBA, which was inaugurated in 2002 by nine of Hong Kong's leading professional institutions and organizations, is a prestigious biennial award that recognizes the excellent teamwork capabilities and highest standards of professionalism in designing and constructing quality buildings in Hong Kong, Mainland and Overseas. It has been recognized as the most prestigious Award for the building and construction sectors. QBA 2024 will mark the award's twelfth edition, with the theme being "Empowering Innovation | Sustaining Green | Generating Wellness" and newly introduced Building in GBA award category. Empowering Innovation | Sustaining Green | Generating Wellness In this year's policy address, the government further promotes Hong Kong to become an international innovation and technology center by introducing various new initiatives, including digital government and smart city programs. Additionally, it incorporates green elements into multiple sectors such as financial technology, public transportation, and shipping logistics. The theme of QBA 2024 revolves around creating a sustainable green smart city, encouraging industries to inject technology and green energy into architecture which aligns with the government's aims to jointly create a livable city. Introducing New Award Category to Embrace GBA Remarkable Building Projects In light of the commitment of the Hong Kong Special Administrative Region Government to promote the policy of "Housing: Enhance Quantity, Speed, Efficiency and Quality", this year's theme is "Empowering Innovation | Sustaining Green | Generating Wellness" striving to encourage innovations for new elements in the industry, accelerating its development. In this edition, new categories for Greater Bay Area architectural projects have been added to recognize outstanding projects from all around the world. Teams from various regions are welcome to participate and witness the birth of more high-quality buildings. Cr Daniel Shum, Chairman of QBA 2024 Organizing Committee, said: "To align with the development strategies of the Greater Bay Area, this year's Quality Architecture Awards have not only added a new category for Greater Bay Area projects but also specially invited two industry professionals from mainland to serve as members of the judging panel. We aim to gather authoritative figures from the architectural industry within the Greater Bay Area, recognize outstanding architectural projects that have achieved excellence in design, construction, and innovation, and encourage them to construct more iconic architectural projects that contribute to the urban development of both the country and Hong Kong, laying a solid foundation." Ms YU Po-mei, Clarice, JP, Chairlady of Jury Panel and Director of Buildings, Buildings Department of the Hong Kong SAR Government said when encouraging prospective teams during the award briefing session, "We are committed to developing Hong Kong into a vibrant and creative city, where buildings serve not only as living and working spaces but also as carriers of culture, art, and community interaction. I look forward to witnessing outstanding teams and architectural projects receiving recognition. Through the use of architectural technologies such as Building Information Modelling (BIM) and smart construction sites, we aim to enhance construction efficiency and quality. Furthermore, these technologies can ensure the safety of frontline workers, while jointly promoting sustainable development in the housing, construction, and urban development sectors." Key Dates...SME Business Daily Media, 4d ago
Turness said: “Like many businesses, we are in a tough financial climate and as our audiences shift rapidly from TV to online news consumption, we need to make choices about where we allocate our resources. While TV and radio remain crucial to BBC News, we must invest in our digital platforms to ensure they are also the home of our very best journalism, and today’s package of measures will accelerate this transformation.”...the Guardian, 4d ago
Cyberattacks are a serious business issue, and more importantly a patient safety issue. Cyberattacks on our health system continue to grow in frequency and sophistication, making it difficult for security professionals to keep up. The attack surface continues to grow more extensive due to the rapid digitization of healthcare, expansion of telehealth, and the shift to a remote workforce. This phenomenon has inevitably led to increased vulnerabilities, and more opportunities for threat actors to extract larger data sets or impede operations of providers and their critical partners. Without question, for most healthcare providers, cybersecurity is under-resourced. Health system executives consistently tell me that the rise in their operating costs and declining revenues resulting from lower reimbursements and shift of profitable services to outpatient clinics are some of the reasons why they cannot afford much-needed risk management and cybersecurity investments. Resources are scarce, and finding talent is difficult. The problem we face as security professionals will only grow larger, more complex and more impactful over the next several years. As part of the AEHIS Board, I will help our healthcare ecosystem combat this challenge by supporting our mission to advance the role of the Chief Information Security Officer (CISO) through education, collaboration and advocacy. My platform is as follows:...Healthcare Security - AEHIS, 4d ago
The theme of their keynote speech was "Connecting Beijing and Hong Kong through Innovative Workspace Services Platform”, and they were invited to participate in the opening ceremony and various themed activities. They shared their innovative workspace services and discussed how these services empower economic cooperation and seamless connectivity between Beijing and Hong Kong. Conan Quan, Vice President of WeWork Greater China, stated, "As pioneers and leaders in the flexible office industry, WeWork Greater China adheres to core values of sharing, connecting, and mutual success. We are committed to providing high-quality work environments and value-added services for enterprises. Our global vision and service platform covering Greater China aim to establish mutually beneficial collaboration models among businesses, buildings, and governments. In the context of economic uncertainty, we strive to create a more certain innovative ecosystem that enables more Beijing and Hong Kong enterprises to enjoy high-quality office services and stay informed about the business environments of both places, seizing opportunities for mutual success." This event aims to further promote economic and trade cooperation and exchange between Beijing and Hong Kong, attracting corporate representatives from various industries and regions. WeWork Greater China garnered widespread attention at the negotiation conference due to its innovative office solutions and comprehensive services. Their professional team is dedicated to fostering innovation and development by creating communities and collaborative platforms. Advanced technological applications, such as smart office facilities and digital solutions, enhance efficiency for businesses. WeWork Greater China's network covering the region, along with tools like meeting room reservation platforms and mobile applications, provide high-quality and convenient office experiences. In the context of the global digital economy, how to leverage the advantages of flexible office spaces and WeWork Greater China's global vision and service platform covering the market, in order to fulfill the mission of building a collaborative model that benefits businesses, buildings, and governments, and to drive the development of an innovative ecosystem. This includes exploring and jointly building new trends in the "consumer enabled" and "technology enabled" industries, as well as promoting exchanges and integration within innovative sectors. In addition to digital innovations, WeWork emphasizes its commitment to sustainable development. They adopt environmentally friendly and energy-efficient approaches in building design and equipment usage, offering customers a more sustainable work environment. During a series of business meetings with entrepreneurs and decision-makers from Mainland China and Hong Kong, WeWork Greater China also shared successful cases of promoting high-quality development for enterprises in both regions. They believe that strengthening cooperation between Beijing and Hong Kong will further drive economic growth and innovation. Conan Quan, Vice President of WeWork Greater China, shared, "Since the beginning of this year, numerous Chinese enterprises have expanded globally through WeWork Hong Kong, while we have also facilitated many Hong Kong-funded enterprises in enjoying preferential policies for establishing a presence in Beijing. WeWork Greater China is dedicated to providing flexible and sustainable office space solutions for leading global companies to thrive in the region. With unique space designs, professional community services, and an extensive network of resources in Greater China, we empower enterprises to drive innovation. We look forward to establishing deeper collaborations with more companies in Beijing and Hong Kong, promoting mutual connectivity and success, and serving a wider range of world-class innovative businesses." The Beijing-Hong Kong Economic Cooperation Symposium brings together top companies from both sides, facilitating economic development and industry exchanges. WeWork Greater China's presence at the conference signifies their continuous growth and expansion in the market. As the demand for flexible office space becomes mainstream, they will continue to explore and innovate in product development. Moving forward, WeWork Greater China will continue to build flexible, shared, and open office solutions, empowering enterprises in optimizing asset structures and digital transformation. They aim to ensure business continuity, scalability, and flexibility for more companies in Beijing and Hong Kong, allowing them to adapt to the new business environment and achieve sustainable win-win development. Hashtag: #WeWork...SME Business Daily Media, 4d ago
They'll cover topics like using blockchain to expand financial access, boost supply chain transparency, enable new ownership models, and build secure digital identities. Doro Unger-Lee notes this training represents a "critical first step" in applying real solutions to the UN's sustainability targets.coincodex.com, 4d ago

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These programs assist students in strategically planning their future professional paths amid a rapidly changing job market, aiming to make a positive societal impact. Additionally, success stories from Habib University's graduates were shared to motivate potential students. Speaking to pupils at NJV Government Higher Secondary School, Assistant Director of Career Services and Office of Alumni Relations and Engagement Shoaib Khan discussed the success stories of Habib University alumni. The university's significant scholarship offerings, which include the well-known HU TOPS program, were also disclosed at the Open House events, along with information on financial aid options designed to help students in need. Furthermore, guests were given access to worldwide options like the Learn Abroad and Research Abroad programs, demonstrating the university's dedication to offering opportunities for collaborative research in graduate schools across the world as well as intensive international experiences.pressreleasepoint.com, 4d ago
Measuring purchasing power eliminates these distortions, which is why nobody measures purchasing power: once we calculate costs in terms of hours worked, we recognize that a much larger percentage of our labor / earnings is devoted to paying for essentials. Simply put, we're getting less value for our labor.Pundits tend to overlook the fundamental sources of declining purchasing power. These include:1. Decay of gains reaped from globalization. Stripped of corporate PR, globalization is the ruthless exploitation of as-yet unexploited pools of cheap labor and resources. This exploitation yields enormous gains at first and then these gains decay as wages rise and the easy-to-get resources are depleted.The dependence on foreign sources for essentials has also been revealed as a national security threat, and so the catch-phrase is "de-risking," which means developing multiple sources of essentials.2. Capital demanding higher returns due to soaring global risks. In the conventional view, the Federal Reserve chair waves a magic wand and lowers interest rates at will. It's not quite that simple. All new debt--for example, Treasury bonds--must be purchased by capital, and if risks are rising, capital demands a risk premium to offset the known unknowns and the unknown unknowns, both of which are proliferating rapidly.If capital is no longer willing to accept low yields, yields have to rise regardless of central bank policy, and this drags interest rates higher. Yes, central banks can create currency out of thin air and use this free money to buy Treasury bonds, but ballooning the money supply has its own consequences:3. Increasing the money supply to maintain a sclerotic, unproductive status quo generates a decline in the purchasing power of currency. Throwing trillions of new units of currency around doesn't magically mean production of goods and services increase, or the quality and quantity of items increase. It just diminishes the value of existing units of currency.4. Global scarcities crimp supply, pushing up costs. Humans have a very high opinion of themselves, but fundamentally we're like rabbits (or rats, if you prefer) let loose on an island without predators. Like rabbits, we proliferate and consume more per rabbit until the resources have been consumed. Then we wonder why scarcities arise. But AI, blah-blah-blah. AI can't restore depleted soil or reverse droughts.5. Soaring entitlements must be paid for with higher taxes. Promises made decades ago in different conditions require ever greater resources must be skimmed by governments. Creating money out of thin air isn't a solution (see #3 above) and so the government must collect a greater share of income and wealth. The more taxes we pay, the less we have left to spend on essentials and discretionary purchases.This is a global dynamic. Global entitlements and debt are both soaring.substack.com, 4d ago
Information is power, and partner communes have found value in using local data for learning and decision making. By collecting and analyzing their own data, they have identified areas for improvement and made data-driven adaptations. For example, after analyzing the data on their potential fiscal resources, or opportunities for tax collection, communes could adapt their tax collection system to be more effective and tailored to their opportunities, which enabled them to collect more revenue and respond to citizen priorities. They also have a greater appreciation for the value of data and its use when communicating with their stakeholders. For example, one community advocacy group was struggling to communicate with their local elected officials. When they made their presentation more data-driven, they were better able to advocate for social services. Their evidence-based advocacy campaign resulted in changes to the commune development plan and budget aligned with community priorities, leading to tangible improvements in health services.rti.org, 4d ago
Large-scale transformation requires a substantial amount of private capital for "green" growth. Engaging the private sector in low-carbon development is central to UNDP's efforts in Kazakhstan which includes creating of an enabling environment and the development of a "green" finance system. UNDP has experimented with various financial instruments aimed at enhancing the accessibility and affordability of "green" finance for small and medium-sized enterprises (SMEs) in the energy efficiency and renewable energy sectors as part of the GEF-funded portfolio of projects.UNDP, 4d ago
I hope everyone enjoyed the long weekend and short break! It is hard to believe that the semester is coming to a close. Each year, I rent a house on the Outer Banks of North Carolina to spend the break with my two sons. Sometimes, it’s just us. Other times, friends come along and fill the house. This year, it was just us. On one of the days, it rained – not in the way it rains in Colorado, but a 14-hour soaking rain. The day opened space to contemplate the future of public health how we make strides toward improving the health of our society.The COVID-19 pandemic was, and may continue as, one of the most substantial infectious disease threats in modern times that required an immediate public health response. However, the United States alongside other nations, was slow to provide widespread and convenient testing, distribute masks, and effectively communicate about safe practices and the changing scientific landscape. Nonetheless, the United States invested in new technology and developed an efficacious vaccine in record time. While its distribution, deployment, and uptake could have been improved, the scientific community achieved remarkable breakthroughs by sharing data and tissue samples at a pace not previously seen. Researchers openly collaborated at an international level. Meanwhile, the COVID-19 pandemic laid bare an inadequate public health infrastructure especially around inconsistent communication between federal, state, and local policies that prevented a cohesive response to the pandemic.What can we learn from the public-private partnerships that brought us exciting new treatments but also highlighted some of the shortcomings of public health? How can we use these lessons to reimagine the public health infrastructure? As the new dean of the Colorado School of Public Health, I’ve reflected at length as to why and how our nation rapidly responded to developing a new treatment, but large scale, transformational public health investments such as access to health care, new models of care delivery, and data integration across systems for policy development have been slower to come. In my first State of the School address, I suggested that public health, as a field and practice, is plagued by three myths that must be overcome. These myths are: public health isn’t sexy; public health isn’t a science; and public health is invisible until it fails.Myth #1: Public health isn’t sexy.As a society, we are drawn to new treatments and promises for a cure. The technology is exciting; the breakthroughs are breathtaking. What government or individual donor does not want to invest in an early-stage treatment that may cure or slow the progress of a disease that affects millions of people? The motivation for financial support is higher if this disease affects them or their loved ones. This enthusiasm remains high, almost without regard to a treatment’s chances of success, costs, and possible risk. How do we make the case for public health to be as equally exciting and breathtaking? Public health breakthroughs (e.g., clean water, sanitation practices, food inspection) have changed the course of history for civilization and have prevented countless deaths. Yet, the achievements of public health are not widely promoted as life-saving interventions. Public health interventions have a high chance of success, often come at low costs relative to the development of pharmaceutical interventions, and are generally associated with few downside risks. Tobacco companies made smoking sexy, a habit that is deadly, stinky, costly, and turns its users’ teeth yellow. Surely the case for public health’s ‘sex appeal’ is easier to make than the case made for tobacco products. We must be creative in how we change the narrative for public health.Myth #2: Public health isn’t a science.A quick google search defines science as “the pursuit and application of knowledge and understanding of the natural and social world following a systematic methodology based on evidence.” Public health professionals produce research that is grounded in theory, data driven, and evidence-based. Our papers are subject to rigorous review and our researchers compete for incredibly scarce resources—it is public health after all. Yet, the message of “science” often gets lost in the work we do and has even come under attack in recent years. “Science” is sometimes lost when we disseminate our evidence to colleagues in basic, translational, and clinical science who may not appreciate the complexity of our work. The average person understands that microbiology is a science but is unaware that public health research and practice is also a science and is guided by economic, social, and behavioral theories, among others.As a public health community, we must take responsibility for this perception and communicate more effectively about the thought and rigor that goes into what we do. Public health science uses data from complex tracking systems assembled for public health purposes, and often enhances those data with additional data that were assembled for other purposes but can inform our models and subsequent decisions. These data are stress tested with varying assumptions and sensitivity analyses and then frequently updated with new data. Furthermore, our scientists develop new methods to handle the ensuing complex analyses. Public health science exists at the intersections of human behavior, environmental forces, policy, society at large, and health. Therefore, our landscape is continually changing, and our scientists have to be nimble in response. A good example is how well our faculty worked together to produce evidence for Colorado’s governor to make data-driven and evidence-based decisions. We must do much more to educate everyone within and outside of our field about the science of public health and that our process is no different than basic, translational, and clinical science.Myth #3: Public health is invisible until it fails.Despite public health’s struggles with sex appeal and perceptions about its science, much of public health is “invisible” because it works so well. We take for granted that our food and drinking water are safe and that smoking is prohibited on airplanes. Most of us instinctively reach for the seatbelt when we settle into a car – all because of public health. However, when these measures were first introduced, they were met with resistance. We owe it to our field to point out the areas where public health continues to save lives. It is in these examples where we regain trust and convince the population, including policymakers, to adopt new measures that make our world a safer place where we can all thrive.How is public health not sexy when it saves so many lives? How is it not science when public health is theory grounded, data driven, and evidence-based? And how is public health invisible when there are so many examples of public health in action all around us, every day? Public health is visible, but it needs to be clearly understood.There are not enough resources in our society to treat each individual who has a health need. Because of this, societal level interventions are needed to make us safer, saner, and stronger. It is public health where such interventions are developed – and it is worthy of repeating that they are grounded in theory, data driven, and evidence-based, or simply put, science.cuanschutz.edu, 4d ago
This move is timely, considering the global Digital Payment market's projected growth, driven by the rise in e-commerce and embedded payment platforms, which are becoming increasingly essential for online shopping and enhancing customer experiences. Moreover, the growing trend of contactless payments, offering ease and speed, aligns with Tamara's expansion objectives. However, Tamara must navigate challenges such as the evolving landscape of cybersecurity threats in digital payments and the complexities surrounding cross-border payments. The company's strategic growth initiatives are set to leverage the opportunities arising from the decreasing number of unbanked individuals globally, highlighting the potential for increased adoption of digital payments and contributing to financial inclusion efforts in the region .marketsandmarkets.com, 4d ago

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Lisa Stark Hughes, a surrogacy agency owner who served on an ad hoc committee organized by the Cayman liquidators to represent Omega victims, described a bright side to the otherwise distressing situation. “It was heartening to see the industry come together to support victims.” She explained how the Society for Ethics in Egg Donation and Surrogacy (SEEDS) organized regular informational meetings and a publicly available shared Dropbox to facilitate open communication; and surrogacy insurance brokers like ART Risk Financial & Insurance Solutions and SurroPlans stepped up to assist victims in negotiating and settling outstanding medical claims. “SurroPlans worked for victims for free and organized grants to help pay off outstanding medical bills.”...Above the Law, 4d ago
Instant Cash, a company within the FINTX portfolio, the fintech arm of Emirates Post Group, and one of the fastest-growing money transfer brands in the region, successfully concluded the Instant Cash Football Cup for its agent partners in Kuwait. This event reinforces the company’s commitment to promoting a healthy lifestyle among the working class, showcasing its dedication to both financial services and community engagement. By organising such events, Instant Cash is working towards inspiring communities to lead healthier lives by popularising different sports activities.mid-east.info, 5d ago
Rola Abu Manneh, Chief Executive Officer, Standard Chartered, UAE, said: “As the host of the Conference of the Parties on Climate Change (COP28) and the first country in the Middle East to pledge to achieve Net Zero by 2050, the UAE can lead the region in combating climate change, especially since it is characterized by a favourable regulatory environment that helps in the growth of businesses and economic sectors. This constitutes an attractive point for global financial institutions that aim to develop financial products and solutions dedicated to confronting climate change. Recognising this opportunity, Standard Chartered collaborates closely with institutional and individual clients across the country to strategically align their businesses and investments to their areas of interest, especially those related to sustainability, therefore empowering our clients to actively contribute to the nations’ Net Zero goals.”...GlobalFinTechSeries, 5d ago

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Finally, the African Continental Free Trade Area (AfCFTA) currently under development will be the largest free trade area by the number of countries involved since the formation of the World Trade Organisation, given Africa’s current population of 1.4 billion people, which is expected to grow to 2.5 billion by 2050. Africa needs to produce goods and services for domestic consumption and global trade to achieve sustainable economic growth and improve living standards. One of the most prominent necessities on the continent currently, it cannot succeed without adequate high quality linking infrastructures. The continent still faces serious infrastructure gaps across all sectors, both in access and quality. Most countries lag significantly behind the rest of the world in terms of coverage of key infrastructures including transport, infrastructure, energy, water, ICT, affordable housing… A pipeline of potential projects exists but is slow on actualizing; and whilst funding is available, financial commitment and spend is lacking. Annually, there is a funding gap estimated at $100 billion for infrastructural development.mid-east.info, 20d ago
What is potentially most challenging in recruiting “AI talent” is identifying the actual skills, capacities, and expertise needed to implement the EO’s many angles. While there is a need, of course, for technological talent, much of what the EO calls for, particularly in the area of protecting rights and ensuring safety, requires interdisciplinary expertise. What the EO requires is the creation of new knowledge about how to govern—indeed, what the role of government is in an increasingly data-centric and AI-mediated environment. These are questions for teams with a sociotechnical lens, requiring expertise in a range of disciplines, including legal scholarship, the social and behavioral sciences, computer and data science, and often, specific field knowledge—health and human services, the criminal legal system, financial markets and consumer financial protection, and so on. Such skills will especially be key for the second pillar of the administration’s talent surge—the growth in regulatory and enforcement capacity needed to keep watch over the powerful AI companies. It’s also critical to ensure that these teams are built with attention to equity at the center. Given the broad empirical base that demonstrates the disproportionate harms of AI systems to historically marginalized groups, and the President’s declared commitment to advancing racial equity across the federal government, equity in both hiring and as a focus of implementation must be a top priority of all aspects of EO implementation.Brookings, 18d ago
A. Our current spending on R&D in the MSME sector is only 2.5%, which is very low. Small businesses often struggle to allocate funds for research and development due to limited financial resources. However, to foster innovation and growth in the MSME sector, it is crucial to enhance R&D spending. One potential solution is encouraging companies with substantial financial resources, particularly those with significant CSR funds, to invest in R&D initiatives. These companies can contribute to developing common facilities centres and establish contract research organisations catering to various sectors, including the ESDM sector and beyond.Electronics For You, 17d ago
In the realm of the climate scare, the cognitive dissonance has reached almost impossible levels. Just a few days ago I took note of ever increasing focus by environmental NGOs on promoting the climate scare even as the green energy schemes, offered as salvation from the apocalypse, experience soaring costs and pervasive financial collapse. But those are just a couple of pieces of the crazy mess. Everywhere you look, our overlords are doubling down on end-of-days climate propaganda while reality just refuses to cooperate. We have truly reached peak absurdity.In the category of the overlords doubling down on climate propaganda, you can’t top the new Fifth National Climate Assessment just out (November 14) from from something called the U.S. Global Change Research Program. Have you heard of the USGCRP? It’s some kind of consortium of every U.S. government agency and department that touches on the “climate” issue in any way. Here is a picture of their logo:It’s the Department of Agriculture, Department of Commerce, Department of Defense, Department of Energy, Department of Health & Human Services, Department of Homeland Security, Department of the Interior, Department of State, Department of Transportation, Environmental Protection Agency, NASA, the National Science Foundation, the Smithsonian Institution, and the Agency for International Development. Fourteen of them in total. All speaking with one voice.All to support the greatest and hugest honey pot ever devised to provide essentially infinite funding to grow the bureaucracies in completely futile efforts supposedly to change the weather, but which will never be measurable, never have any real effect, and will have no possibility of accountability.The text of the Assessment consists of endlessly repeated claims of impending disaster without any scientific backup to enable an intelligent reader to evaluate whether there is anything to this. Here are just a few quotes to give you a sense of what you are dealing with:The Fifth National Climate Assessment is the US Government’s preeminent report on climate change impacts, risks, and responses.It’s “preeminent,” so I guess you must obey, peasant.The effects of human-caused climate change are already far-reaching and worsening across every region of the United States. Rapidly reducing greenhouse gas emissions can limit future warming and associated increases in many risks. . . . [W]ithout deeper cuts in global net greenhouse gas emissions and accelerated adaptation efforts, severe climate risks to the United States will continue to grow. . . . The more the planet warms, the greater the impacts. Without rapid and deep reductions in global greenhouse gas emissions from human activities, the risks of accelerating sea level rise, intensifying extreme weather, and other harmful climate impacts will continue to grow. Each additional increment of warming is expected to lead to more damage and greater economic losses.But don’t worry, we can all be saved by following the dictates and mandates of our lords and masters throughout the federal bureaucracies:[R]apid emissions cuts are expected to have immediate health and economic benefits . . . . At the national scale, the benefits of deep emissions cuts for current and future generations are expected to far outweigh the costs.And on and on and on.Back to the real world. From an Indian source called Live Mint, November 13:New Delhi: The Union coal ministry on Monday announced plans to increase India’s coal production to 1.404 billion tonne by 2027, with an eye to further boost it to 1.577 billion tonne by 2030. Current domestic production hovers around one billion tonne annually. This increase in output aims to ensure ample supply of domestic coal to India’s thermal power plants, which are essential for the country’s growing energy needs.That would represent about a 60% increase in coal production and consumption over the next seven years. Here is a chart of trends to date and plans through 2030:Hey, the Indians think that if we can have air conditioning, they should have it too.And don’t think China is any different. From Foreign Policy, November 12:In April 2021, Chinese President Xi Jinping pledged to “strictly control coal-fired power generation projects” in China. Since then, government permits for new coal power plants have soared. According to analysis of Global Energy Monitor data, in the two years before Xi’s pledge, the government approved 127 plants, collectively capable of producing 54 gigawatts of coal power. In the two years after, that number rose to 182 plants, with 131 gigawatts of coal power. In short, China’s new coal power capacity has more than doubled.Is it possible for the cognitive dissonance to get any greater? I don’t see how. But then, I also thought that before this latest round of craziness.Climate Depot, 9d ago
Blockchain is more than a technological advancement. It stands as a symbol of positive and transformative potential in an era of significant changes. Although initially focused on IT and finance, blockchain goes far beyond digital innovation in financial services: It is also about building a better internet, one that offers a solid framework for unparalleled transparency, trust, and citizen empowerment. In this sense, as we will show, blockchain is closely aligned with EU aims and values. For example, it enables tools that make judicial and governance processes transparent, and supply chains faster and more ethical. Marginalised groups have access to services and a voice through digital identities, and the economy is strengthened with new and more inclusive financial applications. By fostering decentralised digital rights, blockchain helps strengthen human rights and ensures these values remain at the heart of the EU’s digital transformation.INATBA, 18d ago
Notably, the GUIDE model is designed to be compatible with other CMMI models and programs. Meaning that providers that participate in ACO Realizing Equity, Access, and Community Health (“REACH”) Model and Medicare Shared Savings Program (“MSSP”) are eligible to participate in the GUIDE model and beneficiaries in those programs are also eligible to voluntarily align to a GUIDE participant while remaining aligned to ACO REACH, MSSP and other total cost of care CMMI models. This new model design might still have some of the financial and benchmark underpinnings of previous models, but the Model is unique. It represents an important step for CMS because it highlights patient-centered care in a way that quality reporting cannot capture, and enhanced reimbursements cannot reward. To date, participation in one ACO program foreclosed the opportunity for providers to participate in any other models at the same time. So, if a provider participating in MSSP recognized that a significant portion of his/her patients would benefit from another care model’s programming, e.g., the Medicare Diabetes Prevention Program, it was not possible to participate in both. From the provider’s perspective, having the opportunity to learn with and from their patients and use data and knowledge gained from treating them to do more and better with them may finally be the turning point where patients and their caregivers can make the choices that are right for them while getting the support and care they need. Providers should seize this opportunity to define this program to work for their patients with dementia.natlawreview.com, 20d ago

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Client portfolio diversity is yet another significant impact of a digital marketing agency’s pricing strategy. Agencies with a broad range of clients across various industries benefit from rich, varied experiences, making them adaptable and innovative. This diversity allows them to fine-tune their skills in different market segments, enhancing their value proposition. Additionally, a diverse client base can lead to economies of scale – as agencies streamline their processes for different sectors, they can offer more competitive prices. This varied portfolio also helps mitigate financial risks; if one sector faces a downturn, the agency isn’t heavily reliant on it. Thus, agencies with a diverse client base often have a strategic advantage in pricing, offering tailored solutions across a spectrum of industries.Digital Agency Network, 5d ago
The aim of 'Womenpreneurs for Bharat 1.0' is to offer financial aid and incubation backing to women entrepreneurs operating within or catering to tier-2/3/4 cities in specific regions like the Northeast, Rajasthan, Haryana, and Jammu and Kashmir. This initiative targets both for-profit and non-profit startups aligned with UN Sustainable Development Goals, focusing on challenges unique to these areas. Vishakha Mulye, Director of Aditya Birla Capital Foundation & CEO of Aditya Birla Capital Limited, stressed, “We are dedicated to fostering a fair, inclusive, and sustained social and economic advancement for the nation. Through ‘Womenpreneurs for Bharat 1.0’, our goal is to create a platform nurturing the growth of women entrepreneurs in the country, capable of making a significant impact on numerous underserved Indians through innovative solutions.”...siliconindia, 5d ago
Released in advance of the 2023 United Nations Climate Change Conference (COP28), the report found that green projects currently suffer from underinvestment and high required return rates because private investors tend to see green technologies as riskier than alternative investments. The report highlights the need for governments, financial institutions, and investors to jointly develop mechanisms to help mitigate risk from green projects by developing blended, low-cost finance solutions to mobilize private investment and help achieve economic growth and climate neutrality—especially in emerging economies. It also highlights the benefits of taking action—the projected savings of US$50 trillion through 2050 could reduce the annual investment needed by over 25%. The report goes beyond finance to provide a holistic overview, employing analysis and modeling to consider the technology landscape, policy environment, and a matrixed vision of financing challenges.GlobalFinTechSeries, 5d ago
What about founder behaviour? Has it improved?Mukul Gulati: Now we see that the founders are better behaved. We don’t have to give them a speech about on how they should not focus on valuation, but on cash flows and profitability. We sounded like preachy aunts and uncles to these young founders that we are from a prior generation and we don’t have good advice to give them. And now they take us seriously, partially because they understand this is how the market works. For most of our businesses, survival wasn’t an issue because we were not dependent on filling cash flow gaps through external funding.You’ve had a few exits. How easy or hard is it to exit aid from the Indian market?Mukul Gulati: Exits are never easy. Exits are particularly challenging in emerging markets. The exit environment in India is improving, but by no means it is like what it is in the Western markets. They’re improving in the sense that public markets are maturing. They’re more liquid.However, public markets have also become more selective over the last few years in terms of what kind of issues they’ll absorb. The Indian IPO market will want a certain size. So the bar has risen, which is good because you don’t want small illiquid companies. Another thing that’s happened is that with the recent ups and downs of sort of tech-based companies in the stock market, I think that people want some emphasis on cash flows and profitability. And so from that perspective, the IPO market is a little bit more selective too. In fact, I would argue that the IPO market for emerging businesses is better in India, than many other places, including America.And the second way the exit environment that has improved in India is sales to financial sponsors. Because we have so many private equity funds that operate in this $400-500 million plus fund size range, a $50 million, $100 million transaction is quite attractive. And this is mostly a five-year phenomenon that wasn't the case 10 years ago, but it started five years ago when many more funds either have dedicated sort of funds for India or they have pan-Asia funds and all are sort of US-based players. The large global funds are all active in India and they all want to write big checks and they don’t have enough deal flow at that size. And the third point is that, you know, strategic sales, frankly, are still fewer in India than you would otherwise imagine for an economy of India’s size. You know, and foreign investors remain somewhat cautious.Business Insider, 5d ago
Forecasting is a crucial technique that utilizes historical and contextual data to estimate future trends based on current patterns. This approach finds broad application across various industries, and AI algorithms are particularly well-suited for it, especially given the abundance of big data. In the tourism sector, forecasting is incredibly useful in understanding tourist demand, which can be used to develop effective marketing strategies, facilitate financial management and human resource allocation, detect scams in restaurants, and support facility management and maintenance needs. Cutting-edge travel apps that use AI-based methods empower us to forecast flights and other aspects of travel, such as hotel accommodations, offering innovative solutions that benefit travelers by identifying the most cost-effective options and providing insights into future flight costs. Travel assistants that leverage advancements in artificial intelligence, mobile devices, natural language processing, and speech recognition have become increasingly popular. These applications are designed to cater to user preferences, interests, and availability, offering on-demand or autonomous suggestions that proactively anticipate their needs. These systems go by different names, such as autonomous agents, intelligent travel agents, or smart concierges, and they enhance the travel experience through personalized and intuitive assistance.DATAQUEST, 5d ago
Whether or not COP28 will make a difference depends on a number of factors, including the willingness of world leaders to commit to ambitious actions for reducing greenhouse gas emissions, the mobilization of financial resources to support climate action in developing countries, and the ability to overcome the opposition of fossil fuel companies and other vested interests.COP summits do have the potential to make a difference. For example, the 1.5°C warming limit, agreed in Paris at COP21, has driven "near-universal climate action," according to the UN. COP28 is an opportunity to reset climate ambition in line with limiting global warming to 1.5°C, and to restore trust and hope that we can tackle this crisis together.The future of the planet depends on it.WWF is at the heart of the global movement for a net-zero, climate-resilient future. A future where the greenhouse gas levels in our atmosphere are stabilized and where we take active steps to halt the degradation of biodiversity. A huge global effort is required to meet the challenge, but we remain positive.Nations and negotiators at COP28 must commit to building the bridge to a livable climate future and bringing an end to the fossil fuel era. Send your message to world leaders ahead of COP28.World Wildlife Fund, 5d ago

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About the Ethereum FoundationThe Ethereum Foundation (EF) is a global non-profit organization dedicated to supporting Ethereum and related technologies. Our mission is to do what is best for Ethereum’s long-term success. Our role is to allocate resources to critical projects, to be a valued voice within the Ethereum ecosystem, and to advocate for Ethereum to the outside world.Your mission:Your mission is to help the EF accomplish its mission by keeping our operations safe. You will maintain and improve our security measures on individual, team and organizational levels. You will be a resource for security expertise, an evangelist for its importance, and the primary resource for implementing organizational security measures.Core responsibilities:Identify strategic risks to our organizationYou will be responsible for thinking proactively about the EF’s risk profile, identifying threats to our operations or mission, working with internal stakeholders to balance risks against the costs of mitigating those risks, and ideating security solutions for our organization.Collaborate to implement security measuresRisks to the EF are spread across many different internal teams that operate relatively independently. Implementing security solutions will mean working with colleagues from different parts of our organization, with differing priorities and day-to-day realities. You will be responsible for figuring out how to make security solutions for work them, and then also implementing those solutions in practice.Advocate for security priorities in EF internal decision-makingSecurity is critical for many of our core operations. However, like any organization, the EF has conflicting priorities that need to be balanced in order to accomplish our mission. You will be responsible for advocating for security considerations when balancing priorities to ensure that our organization remains secure.About you:You are security-minded. You are cautious, thoughtful, deeply technical, and have an intuitive feeling for the inherent risks in any endeavor backed by up-to-date knowledge of emerging cybersecurity trends and threats.You’re good with people. You’re good at building trust in relationships, you understand other perspectives, you like to collaborate, and you’re comfortable talking through priorities in impromptu verbal conversations.You appreciate people all around the world. You can effectively communicate with colleagues of different cultures in different countries and time zones, who are in full remote positions worldwide.You understand trade-offs between security and other priorities. Security is a bedrock consideration for the EF, but it is not the only consideration for accomplishing our aims. You have an appreciation for the many goals every organization pursues, and you’re eager to find inventive ways to make them work together.You want to work at a mission-aligned organization, with people pursuing a shared vision for a better future.You can zoom in and out. While meticulously fulfilling recurring and ad hoc tasks and needs, you are able to take a higher vantage point, finding patterns to improve and strategize.You're comfortable providing flexible solutions. One size doesn't always fit all at EF and its independent teams. You respect and empower each team with nuances and what works best for them.You're eager to take on larger responsibilities over time. You want a role that gives you many opportunities to grow your professional knowledge and skill set at a rapid pace.You understand that Ethereum is more than the tech. You're passionate about open source collaboration, decentralization, and playing positive-sum games, and truly want to see Ethereum succeed - not just for your professional or financial benefit, but because you believe it's good for the world.Required skills and experience:Experience in a senior/lead operations security position of increasing responsibilitiesExcellent verbal and written communication skills in EnglishExperience managing relationships with internal stakeholders who specialize in non-technical or non-security domainsExperience implementing changes to security and operational processes in remote organizations, developing and adopting security policies and proceduresHands-on experience with incident response and handling security breachesFamiliarity with Ethereum or the general blockchain ecosystem is a plusCISSP or CISM certification is a plusContract details:Full-time positionFully remoteFlexible work hoursCompetitive compensationTo apply to this position, please include a brief (less than one page) cover letter explaining your qualifications, along with a resume or CV. Cover letters will be evaluated for their authenticity and inventiveness. Please only apply via the Ethereum Foundation's official job board by following this linkhttps://jobs.lever.co/ethereumfoundation/10923b49-c76a-47b9-bd27-96ee71a460db?lever-origin=applied&lever-source%5B%5D=LaborX...laborx.com, 6d ago
Germany is one of the leading countries in issues of food safety & security and has executed innovations in food safety & security testing across the area. This testing is executed to look for the presence of genetic modifiers, viruses, and toxic substances and consequently make sure the safety of food products in the area. The growth of the Germany food safety testing market is primarily driven by rise in customer understanding and need for high-quality products, certified guidelines, and more testing innovations. Food testing helps maintain product quality, assure its safety, and identify any products' potential health advantages or concerns. Operators of food businesses are responsible for ensuring that they carry out food quality monitoring in order to adhere to food rules and to safeguard the public's health. Furthermore, this demand has set off by increase in public health problems, disposable incomes, and change in the way of living. In addition to this, increasingly stringent regulative conformities in the food sector has a major impact on the growth of the market. Conformities such as HACCPs and FSMS measures have mandated by government to ensure better food security. Other than these factors, the market likewise proceeds significantly as a result of quick commodification of products in the food sector, including ready-to-eat items, iced up, canned, snacks, and baked products. On the contrary, rise in the cost of food testing innovations and need for highly skilled personnel to implement food testing are major factors restraining the market growth.The Germany food safety testing market has seen an increase in the use of advanced technologies to get rid of the obstacles faced by traditional testing methods. Various modern technologies such as agar culturing, PCR-based assay, and immunoassay-based testings have adopted to enhance the screening efficiency & accuracy with minimal turn-around time. These technologies have aided key players to fulfill the desired compliances and need for high quality products effortlessly. Besides this, collaborations between the suppliers and screening laboratories have likewise been gaining focus in the market. These collaborative initiatives have allowed faster distribution of safer food products to the clients.To remain competitive in the market, numerous businesses invest a considerable quantity of time in product advancement approaches and strive to boost their market position. By supplying innovations in products, these businesses frequently adding more value to food sample screening. Aside from this, numerous firms have started generating consumer-friendly products, which are primarily used in offering exact outcomes regarding food security. In addition, firms seek economic approaches to raise their general profits. Some of these methods consist of venturing into new markets, elevating funds, and utilizing innovations to reduce prices.Moreover, researches recommend that pricing techniques of the business need not to compromise on the high-quality of the screening products to satisfy competitive pricing demands. Moreover, loTs of companies develop a number of go-to-market approaches to advertise their products and expand into new customer sectors. Apart from this, digital approaches have employed to get the attention of prospective consumers and distinguish their products from the competitors. In addition, companies have designed different customer methods & division and promo methods to draw in new customers and to retainThe Germany food safety testing market is expected to grow at a fast pace in the future due to rise in awareness for food safety among the customers in the region. Different innovations such as agar culturing, immunoassay, and PCR-based assay are acquiring momentum for achieving higher accuracy of results coupled with minimal turnaround time. The companies operating in the market invest a large quantity of time and funds in developing new, consumer-friendly products and financial techniques. In addition, these methods enable the firms to increase their growth. Furthermore, they utilize various go-to-market methods, consumer techniques, division approaches, and promotion strategies to get the focus of prospective consumers and distinguish their products from the competitors.alliedmarketresearch.com, 25d ago
The BRICS countries (Brazil, Russia, India, China, and South Africa), which meet intermittently annually, held their 15th meeting on 22–24 August 2023 in Johannesburg, South Africa. The theme of the meeting was, “BRICS and Africa: Partnership for Mutually Accelerated Growth, Sustainable Development, and Inclusive Multilateralism." It essentially called for solutions to the challenges of the current global economic order. The BRICS countries together account for 41 percent of the world's population and 30 percent of the global territory. The bloc collectively accounted for about 31.67 percent of the global GDP in 2022, which was larger than the share of the G7 economies of about 30 percent. In financial terms, the BRICS economies were worth over $26.03 trillion in 2022. The projection is that the countries will collectively contribute over 50 percent of global GDP by 2030. Over 40 countries have expressed an interest in joining the expanded bloc. However, only six of them were invited to join during the August meeting, namely Argentina, Egypt, Ethiopia, Iran, Saudi Arabia, and the United Arab Emirates. Their full membership will take effect on 1 January 2024. Nigeria did not make the number of the invitee countries, and this raises question on why an invitation was not extended to the country. Nigeria remains the largest economy in Africa with a GDP estimated at $477.39 billion and ranks among the world’s top 30 economies. On this economic metric, nothing should have stopped the country from being a member of the BRICS+ countries. South Africa, and the two prospective African countries to become members of the BRICS+, each has lower GDP than Nigeria. While South Africa has a GDP of $405.7 billion, the second-highest number in the continent after Nigeria, Egypt and Ethiopia have GDP values of $404 billion and $111.3 billion, respectively. In fact, the Ethiopian economy is less that one quarter of the Nigerian GDP.Notwithstanding the relative strength of the Nigeria economy, some odds played against the country’s membership of the BRICS+. The factors are subsumed under two categories. The first is broader economic considerations. In my article in the September 2018 issue of Financial Nigeria, titled “BRICS growing clout and why Nigeria is still excluded,” I discussed how Nigeria fell short on several important economic metrics beyond GDP size. The economic challenges are even more acute today. For instance, the 2016 Human Development Index (HDI) report ranks Nigeria in the 152nd position out of 188 countries. In the 2022 report, Africa’s biggest economy retrogressed, ranking 163rd. Even more serious, Nigeria is currently ranked the 5th most insecure countries in the world, according to the Fund for Peace's Security Threats Index. In another measure, Nigeria’s score on the Transparency International Corruption Perception Index (CPI) has dropped from its recent peak in 2016; the country is the second most corrupt country in West Africa after Guinea-Bissau in the 2023 ranking. The Nigerian economy is also not resilient to crises. Since 2016, the economy has twice fallen into recession. Despite its GDP value, Nigeria is home to the highest number of poor people in the world, with 63 percent of the citizens multidimensionally poor. Any projection of Nigeria’s economic strength on account of its GDP size in Africa is further undermined by the current instability in the value of its currency. The second factor that resulted in Nigeria’s exclusion from BRICS+ was diplomatic. A country interested in the membership needed to lobby to join the bloc. This must lead to a member-state inviting the prospective new member. But there were no indications that Nigeria tried to meet these conditions. Nevertheless, the diplomatic hurdle that Nigeria faces in joining BRICS+ may be considerable. South Africa may not be inclined to invite Nigeria and may attempt to block an invitation for its geopolitical and economic rival to the bloc so as to preserve its influence amongst African members of BRICS+.The good news, however, is that at the recently concluded Belt and Road Initiative (BRI) meeting in Beijing, President Xi Jinping of the People's Republic of China promised to invite Nigeria to BRICS+, in cognisance of the country’s geopolitical and economic strengths. This suggested that Nigeria was actually not disinterested in becoming a member-state of the bloc. The absence of a diplomatic push ahead of the August meeting could have been as a result of the transition in government in the country a few months earlier.Despite the discomfort to South Africa and in the larger interest of the bloc, any one of the BRIC countries should have invited Nigeria in August. South Africa was not originally a member of the bloc. Nigeria’s influence may be weakened by certain dysfunctions at the moment, but the underlining strength of the country remains. If the BRICS countries want to build a much stronger bloc involving the global South, Nigeria’s population, geography, and underlining economic strength recommend its membership of the BRICS+.In his address at the 78th UN General Assembly, President Bola Tinubu alluded to “longstanding internal and external factors” that have impeded economic development in Africa. This found resonance with other views on how the advanced countries of the West have done precious little to promote economic development on the African continent and continued to exert control over the institutional architecture for global economic and investment governance. To sidestep this impediment, developing countries may have to find a common purpose in alternative global frameworks like BRICS+. This could even force substantial voice and quota reform at the IMF and World Bank, making such global institutions become more sensitive to the needs of their members in developing countries. On Nigeria's pact, it is imperative for the country to retool its economic and diplomatic policy tools. Our foreign policy should become more strategic and focused to serve the needs of the country and make the economy more globally competitive.Efem N. Ubi, PhD, is Associate Professor and Acting Director of Research and Studies at Nigerian Institute of International Affairs, Lagos, Nigeria. He is a Non-Resident Fellow, Institute of African Studies, Zhejiang Normal University, Jinhua, China.Financial Nigeria International Limited, 24d ago