Category Archives: Financial Solutions

Financial Solutions

PixelPlex Announced a Successful Cryptocurrency Wallet Development

New York City, NY, 2020-Sep-15 — /EPR FINANCIAL NEWS/ — A custom software development company PixelPlex informed about completing their work on Qtum Wallet – a cryptocurrency mobile wallet for Android and iOS. The wallet is able to execute multi-currency transactions and has ERC20 token support, smart contact builder, and advanced security features.

The Qtum development goals

The company shared the details about their new project – Qtum mobile wallet for Android and IOS. Their goal was to build a secure user-friendly wallet for the Qtum blockchain platform with all necessary capabilities such as Touch ID, 2FA protection, and transaction templates. UI/UX design for Android and iOS was used for simple navigation. High security was provided by Shamir’s secret encryption and iOS Secure Enclave & Android KeyStore support.

The developers commented on how exactly they managed to achieve such high security in their cryptocurrency wallet development. With the implemented client-side encryption, the Qtum mobile wallet encodes private keys and all transaction data on the client’s mobile device. The user account, private keys, and all transactions are secured before any information reaches a third-party server. The wallet app is also backed with 2-factor authentication, PIN protection, an auto-lock feature, and Touch ID / Face ID biometric authentication.

Important features for performing crypto operations

Mobile wallet development was a complex task, and in the end, Qtum wallet included all the essential features for performing crypto transactions. The wallet is integrated with the top exchanges for crypto trading, works with multiple currencies, includes support for cold-storage account recovery, QR codes leading to a payment widget, and has NFC support to streamline payments. The client will also get notifications about completed transactions and exchange rate changes.

As a result, Qtum wallet from PixelPlex became an easy-to-use, but yet a powerful tool for multicurrency management and tamper-proof peer-to-peer transactions.

Via EPR Network
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Bitcoin Proof of Stake – BitcoinPoS – BPS

Dallas, TX, USA, 2020-Aug-04 — /EPR FINANCIAL NEWS/ — The Bitcoin core network today runs on the proof of work algorithm. It leaves the network open to the 51% attack, also it is costly to mine and harmful for the environment. The PoW mechanism has also been a hindrance to scalability.

However, numerous innovations are trying to deal with the issues, facing the Bitcoin network while preserving certain unique aspects of the original concept. For instance, the 21 million tokens supply along with the proven code-base that has been improved over a decade is worth preserving.

The Bitcoin Proof of Stake coin reserves the strongest aspect of the Bitcoin network with a flexible proof of stake algorithm. It presents a new paradigm in the utility of crypto. The Bitcoin PoS coin preserves everything that Bitcoin has while bringing new development to the blockchain technology.

Driving Mass Adoption
When Satoshi Nakamoto launched Bitcoin about a decade ago, his goal was mass adoption of crypto that would replace the current financial system. However, that goal has not been achieved. Many crypto projects in existence today have numerous issues that prevent mass adoption.

The Bitcoin PoS project aims to advance Satoshi Nakamoto’s vision of a decentralized financial network that is independent of centralized control. Bitcoin Proof of Stake is designed to be scalable and easy to use. The goal is to give access of banking services to billions of people globally. To achieve this, Bitcoin PoS aims to be a coin for ordinary retail payments.

About the Proof of Stake Mechanism
The Bitcoin network is secured using a proof of work mechanism. However, the PoW mechanism is energy-intensive and requires expensive mining rigs to secure. The proof of stake mechanism wants to replace how consensus is achieved. Instead of using PoW, the staker that generates a block has to provide proof that they have access to given number of coins.

Generating the block will entail the sending of coins to oneself, which proves ownership. The amount of coins needed for staking is determined via a difficulty adjustment model that is similar to the PoW mechanism. The goal is to ensure an approximate constant block time. Just like PoW, the block generation process will result in rewards via a transaction fee and supply model.

Bitcoin PoS Deals with the Bitcoin Centralization Problems
The Bitcoin network appears perfect to its proponents. However, it has a problem with centralization. The high cost of power and the expensive mining rigs mean that only a few select companies can afford to mine the BTC network.

The result is that only those with access to cheap power can secure the network. Today, most of those miners are located in China, which has led to a high concentration of mining power in one region. In effect, Chinese miners control the Bitcoin network. It was not the vision of decentralization that Satoshi Nakamoto had in mind.

To make the issue worse, the places where the cost of power is low also have highly authoritarian systems of government. Another issue is that in nations where the cost of power is high do not recognize BTC mining as a business. Thus, miners do not get access to subsidized power. It has led to the proliferation of mining cartels with some companies controlling as much as 5% of the mining power.

For retail miners, the only solution is to join mining pools, which effectively control all of the mining power of BTC. As a result, BTC is highly centralized in the current setup and it will only continue being centralized in the future.

Bitcoin PoS Solves the Issue
One of the issues that Bitcoin Proof of Stake solves is the cost of power. The proof of stake mechanism cuts the cost of power by 99%. As a result, it ensures that it will difficult from any entity to monopolize the network. The result is that Bitcoin PoS is achieving the vision of Satoshi Nakamoto.

The Current State of Bitcoin PoS
While Bitcoin Proof of Stake uses a proof of stake mechanism, the Bitcoin PoS still keeps up with upgrades to the Bitcoin network. Any upgrade made by the developers are added to the Bitcoin PoS blockchain. Today, the coin is tradable on crypto exchanges; it has a market price of USD 89.07 according to data on CoinMarketCap. It has a market cap of $308,995,384 and it is ranked at 40 by market cap in the world but actual raking on coinmarketcap.com is 205 because of their raking systems.

Via EPR Network
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TABS Score™ adds TABS | EU Assessment to their Diligence-as-a-Service (#DaaS) platform

MOUNTAIN VIEW, Calif., United States, 20-Jul-2020 — /EPR FINANCIAL NEWS/ — TABS Score™ has just deployed their newest addition to the suite of products available on their Diligence-as-a-Service (DaaS) platform – TABS | EU Assessment, (available in both Lite and Suite versions). The rollout was strategically timed to complement the rapidly increasing requests by TABS’ existing European (and those that focus on Europe as a market) customers, as there are quite a few differences in terms of rules, processes, and regulations that European ventures face differently than US-based startups. The new model entails the addition of several nested decision trees to augment the already-powerful nucleus of the Machine Learning algorithm, as well as a new ESG, regulatory, and analytics sections to properly address the differences between American and European resources, financing, policies, accounting practices and more. The EU version of the Assessment will mirror the US Assessment in functionality and output but will provide comparative analytics between them and their counterparts on the global market and allow companies to complete the Assessment in a language of their preference.

Mayflower Ventures, a micro-fund being formed by Wall Street Veteran Marshall Sterman, has already made the decision to integrate a Diligence-as-a-Service as part of their investment process which pitching to investors for the fund.

“Both the committed and prospective LPs love the fact that instead of asking for higher management fees to hire an analyst team in house, we are making smart lateral decisions to use a powerful software like TABS to strengthen and accompany our own internal diligence processes,” Sterman says.

As TABS expands to Europe and subsequently, their footprint across the globe, they will soon be modifying the assessment to meet the needs of ventures in other venture hotspots as well, the APAC region being the first. The comprehensiveness and ever-evolving nature of the TABS Score and its customizable solutions has made the Fin-Tech company one of the most sought-after Diligence-as-a-Service providers, with accolades coming from founders, investors, accelerators, and consultants (legal, accounting, fundraising, etc.)

TABS has already gained significant traction in the US markets, partially attributable to the Covid-19 virus and the cancellations of physical meetings. Engineered by successful serial entrepreneurs and veteran seed investors, the TABS Suite, which includes the TABS Score & Valuation assessment, has helped investors assess the viability of a business, significantly augmenting their diligence process in a fraction of the time and cost. Early-stage companies on the other hand increase the probability of attracting the attention of a potential investor by proactively going through the process.

SOURCE: EuropaWire

A New Cryptocurrency – BitcoinPoS – Bitcoin Proof of Stake

Chicago, IL, 2020-Jun-1 — /EPR FINANCIAL NEWS/ — Investing in Bitcoin (BTC) is now expensive, and getting your own through mining is nearly impossible for the average person. However, a new opportunity can be found in Bitcoin Proof of Stake.

BitcoinPoS: The Best of Bitcoin and PoS
Bitcoin Proof of Stake (BTP) was created by a team of developers that recognized the capabilities of the Bitcoin code and sought to improve them. They did this by replacing Bitcoin’s Proof of Work consensus protocol with Proof of Stake, resulting in a new and improved coin called BTP.

Proof of Work has proven that it is a less efficient protocol when compared to PoS, as it moves slower, cannot be easily scaled, and can favor centralization.

To improve upon the unique features of the Bitcoin code, the developers introduced Proof of Stake, thus creating a new coin, BTP, which challenges the boundaries of crypto functionality. If the Bitcoin core goes through an update, then BitcoinPoS will be immediately updated to include the new alterations.

The BitcoinPoS network can create no more than 21 million BTP. The new coins are generated not by mining, but through staking. The supply of BTP is managed from its protocol, which cuts the block reward once every 4 years by 25% every 700k blocks. BTC decreases with 50% of the reward every 4 years.

BitcoinPoS and Its Advantages

Pro-Decentralization Design
Mining is an energy-intensive process, as miners compete to be the first to solve the complex mathematical equations in order to get the block reward. In a Proof of Stake network, the stakers, or validators, can get new coins by keeping a number of BTP in an active wallet.

Due to its design, staking does not demand energy in high quantities, like in PoW systems. Most Bitcoin mining operations are now controlled by big companies, as only they have the capital to invest in many performant mining rigs. This leaves out regular people who cannot afford mining hardware, and thus the hashrate of the network becomes centralized, limited to only a few big mining farms. But with BTP, all users can stake coins, therefore, encouraging participation from more people and distribution of power throughout the network.

Resilience Against 51% Attacks
Centralization in PoW-based coins is an issue, as it leaves the network susceptible to a 51% attack, where one entity takes hold of 51% of the network hashrate. This person then has absolute power over the network and can manipulate transactions and block creation.

BitcoinPoS is resistant to 51% attacks, as the PoS protocol was designed to promote decentralization. BTP also uses a variation of the Proof of Stake model known as Mutualized Proof of Stake consensus, which is almost impossible to breach by an attacker, as it requires a lot of resources.

99% Reduction in Power Consumption
A PoS system does not need users to solve complex algorithms that are energy-consuming. This allows staking to be a more economical process of generating new BTP, using 99% less than Bitcoin mining.

Friendly to the Environment
All PoW mining operations are taxing on the environment because of its high energy consumption. Bitcoin PoS can function and issue new coins without the need for mining farms, and thus it is more eco-friendly.

Universally Accessible to Users
Setting up and managing a mining rig to mine Bitcoin is a big investment that not many people can afford. BTPs can be easily staked by all people, as a laptop or a personal computer is powerful enough to be used in staking.

Bitcoin Proof of Stake (BTP) allows all types of users to easily invest in a more efficient version of Bitcoin that carries with it all the perks of a PoS model.

Via EPR Network
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Axiom Prepaid Holding’s CEO Steven Foster will grace the cover of Total Prestige Magazine’s January 2020 issue

Axiom Prepaid Holding’s CEO Steven Foster will grace the cover of Total Prestige Magazine’s January 2020 issue

LONDON, 31-Dec-2019 — /EPR FINANCIAL NEWS/ — It seems only fitting that in a year filled with new product launches, new office openings and expansion across three continents, that Axiom Prepaid Holding’s CEO would grace the cover of Total Prestige Magazine’s January 2020 issue. After all, Steven Foster, a 40-something entrepreneur and banking industry veteran, has been at the helm of a company that has exceeded its growth expectations and then some, arguably vaulting the company to a leadership position in the prepaid card and app solutions arena. And Total Prestige profiles exceptional members of the business club of the same name, which is comprised of some of the world’s best-known business leaders as well as heads of start-ups and emerging businesses.

In 2017, Foster and his business partner, Steven P. Urry, set out to disrupt the banking industry with the launch of Axiom, which uses advanced digital tools to power prepaid Visa® and Mastercard® products, programs and services for consumers and businesses. They had one ambitious mission in mind: Simplify banking for all people – globally.

“We’d been firsthand witnesses from inside the banking industry to the significant shift in the availability of financial products. But it was notable to us that it was not carrying over to the prepaid space. No matter what country we visited, there was a gap in access to products engineered for the unbanked and global traveler. We decided to go all-in on launching a business that would turn the prepaid model upside down and give all consumers and businesses easy-to-use, digitally driven products and services,” said Foster.

That goal appears to have resonated broadly as this year alone, their enterprise:

• Expanded into Italy, Spain, Germany, France, Portugal, and Greece in Europe and grew the business in the Americas
• Entered the Asia-Pacific region
• Introduced brand- and revenue-building White Label Programs
• Rolled out hundreds of thousands of new prepaid cards, a plethora of new white label programs, including one that caters to the unique needs of millennials and Gen-Z
• Opened new offices in Romania
• Continued to invest in high-tech digital products to ensure the highest levels of intuitive, secure, compliant backend systems

As noted in the Total Prestige article, those accomplishments do not come without hard work and sacrifice. This year alone, Foster flew 725K miles for business and manages a workday that typically goes from 4 a.m. to 11 p.m.

“You can’t be an effective company leader if you aren’t in touch with your customers and employee teams. I meet them where they are to be sure I understand how their geography and culture may affect banking needs in each market. I try to give 150 percent every day so I can go to sleep knowing I did everything I promised and more for Axiom’s clients, my business partners and employees,” he said. “I have to spend a lot of time away from my wife and son so I want to be certain that the time I spend on-the-job truly counts.”

“I’m very honored to be chosen for this feature article but I am just one part of the much bigger Axiom story. There would be no article if the company was not accomplishing what it set out to do. That has only been possible through the collective efforts of the entire Axiom team and my partner and friend, Steve Urry – and we are just getting started,” said Foster.

SOURCE: EuropaWire

New Services Larry Hurt income Tax Services

Moreno Valley, CA, USA, 2019-Mar-12 — /EPR FINANCIAL NEWS/ — Over 49 years preparing taxes for individuals and small businesses, able to assist individuals in the cryptocurrency business with their tax preparation(s), 16 years as a Notary and 8 years as a Signing Agent.

Experienced Owner with a demonstrated history of working in the consumer services industry. Skilled in Nonprofit Organizations, Budgeting, Business Planning, Microsoft Word, and Coaching. Strong entrepreneurship professional with a Master Degree focused in Human Resources Management/Personnel Administration, General from Golden Gate University.

I also severed 23 years in the US Air Force. For 22 years as an additional duty, I severed as the Unit Non-Commission Officer Tax Representative. My job was to assist military and civilian personnel assigned to the Base, helping or completing their Tax returns and answer tax questions. During tax season, I spent 4 hours on Saturday at the Base Legal Office assisting people with their tax returns. After retiring in 1991, I continued doing taxes and opened my own business.

My tax specialties are Individuals, Small Businesses, S Corporations, Nonprofit Organizations, Tax Planning, Uber, Lyft and CryptoCurrency. Thank you.

To learn more go to https://larrykhurtincometaxservices.nicbuilder 

Via EPR Network
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Privus closes funding round led by Silicon Valley and New York-based Rubicon Venture Capital and by a highly regarded Toronto based investment firm

ZUG, Switzerland, 10-Oct-2018 — /EPR FINANCIAL NEWS/ — Privus announced today that it has closed a funding round led by Silicon Valley and New York-based Rubicon Venture Capital and by a highly regarded, Toronto based investment firm with a successful track record in business building and technology investment. The $635,000 raised also includes funding from existing investors and management and will be used to extend Privus’s enterprise software portfolio and commercial footprint, as well as to meet growing demand for its SecurLine Cloud and TurnKey solutions, in line with the company’s government and corporate focus.

SecurLine, Privus’s flagship solution, employs open-source, state-of-the-art, peer-to-peer encryption to ensure the security, privacy and quality of communications between users. SecurLine is offered on an annual, prepaid basis for unlimited use as a cloud-based application, and as a tailored, on-premise solution, allowing clients to manage their own private network. SecurLine is available for download directly from the App Store or Google Play.

“We are focused on privacy first and foremost and have developed the company and its products on that basis. That investors of the calibre of Rubicon have joined Privus is a testament to the quality of our products and to our long-term vision,” stated Henrique Corrêa da Silva, Founder and CEO of Privus. Luis Lavradio, Founder and CFO added, “I am delighted with the success of this round and that we have been able to add two new investors that complement and strengthen an already exceptional shareholder base. They will both actively reinforce our ability to open new markets and grow our business.”

Andrew Romans, General Partner of Rubicon Venture Capital said, “I was introduced to Privus by an old friend as a blockchain-based start-up, with strong existing technology that is hard to replicate and is already generating meaningful enterprise revenue that we see growing very quickly. At Rubicon we share Privus’s vision that communications should be private and free from interference or geofencing, a vision that also makes great business sense. We use SecurLine on a daily basis to ensure our business and personal calls are kept private, and look forward to the roll out of the Privum network, which will allow anyone to access the Internet privately and securely, regardless of where they happen to be. On the treasure map of blockchain and cyber-security start-ups we place a large X on Privus.”

The long-term orientation of the Canadian principal investment firm, as well as its extensive global business network, will underpin Privus’s ability to focus on building a world-class enterprise platform with privacy and digital security at its core, and consolidate its position as a global reference in privacy and digital security.

SOURCE: EuropaWire

Zuuse to acquire GCPay, a leading North American provider of construction payment applications software

Melbourne, Australia, 2018-Aug-15 — /EPR FINANCIAL NEWS/ — Zuuse has entered into an agreement to acquire GCPay.com (GCPay), a leading North American provider of cloud collaboration software aimed at streamlining the payment applications process in the building and construction industry.

The acquisition will provide Zuuse with a critical toehold in its largest global market, with almost 40,000 users of the software platform in the USA, including General Contractors, Owners, Developers, Financial Institutions, Government Agencies, Engineering and Architectural Firms, and Subcontractors.

Together with complementing its Payapps cloud collaboration platform in the APAC and EMEA markets, GCPay will help strengthen the Zuuse global product portfolio in the building and construction software sectors.

The GCPay software solution is consistently aligned to the Zuuse strategy and customer base, offering a strong standalone solution as well as integrations with Sage and Viewpoint construction ERP systems, and aligning with other partners.

Zuuse CEO, Jason Lilienstein, said, “This is an exciting acquisition for Zuuse and brings us a major step closer towards becoming a leading global provider of construction and building operations software. The integration of GCPay’s market leading technology will consolidate our position as an industry leader in cloud collaboration payment applications software to the global construction industry, together with further establishing our presence as a leading disruptor in the broader, high-growth AECO (Architecture – Engineering – Construction – Owner Operations) market.”

Systems and processes in the AECO sector are still largely fragmented, manual or paper based, and these inefficiencies result in customers losing time, money, information and resources. Lilienstein, added, “Today’s announcement further exemplifies the customer-centricity and the power of Zuuse, in providing construction and building operations software solutions for our customers which tackle these inefficiencies head-on, working with everything from day to day operational issueson the construction and building site, to long-term strategic asset and facility management issues.”

GCPay COO, Daniel Brunelli, said, “The coming together of our companies is an excellent outcome for all of our stakeholders and most importantly for ourcustomers. The combination of our businesses provides both parties with the expertise, scale and reach needed to provide our customers what they need, when they need it, anywhere in the world.

As a part of the broader Zuuse business, GCPay will be better equipped and resourced to deliver greater value to customers, including extending our existing product functionality as well as broadening our product offering to better fulfil the evolving needs of the growing construction industry. We are tremendously excited by the prospect of what Zuuse and GCPay can achieve together, and I look forward to sharing these benefits with our customers.”

The acquisition is subject to customary closing conditions and is anticipated to be completed in the third quarter of calendar year 2018.

Via EPR Network
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Consumer Loan Market Is Growing

New York, NY, USA, 2018-Jul-03 — /EPR FINANCIAL NEWS/ — During last ten years, there were significant investments in the personal loans market. It was possible due to the inflow of capital and innovative technologies, which caused a doubling of the market.

Although, according to many financial websites, originations of personal loans are falling. It started with refusals to borrowers with a credit rating below 600, which didn’t take place since 2012.

Despite the decline in the origination of loans, all other data shows an increase of interest of the borrowers to this bank product.

The market for unsecured loans grew by 10.8% in 2017. And financial analytics are talking now about a great prospect for the development of this market segment.

According to statistics in 2017, 10% of respondents applied for a personal unsecured loan, a greater interest was shown to credit cards (65%) and auto loans (26%).

Banking CEOs are Concerned About FinTech

The lending market has a long history and now it is experiencing one of the most historical phases.

One of the biggest changes became a rapid development of FinTech (financial technologies).

Several years ago banks and other traditional financial structures were skeptical about online loans. Now 81% of banking CEOs are worried about such fast FinTech development.

Such concerns are reinforced by the fact that financial Internet structures have become quite competitive. Applying to a lender online, via a certain website connecting the customers with the direct service providers, the borrower gets a wide choice: unsecured personal loans, same day loans, debt consolidation etc. In addition to this sophisticated credit models and new anti-fraud mechanisms makes online financial services more attractive than banks.

The Most Popular Loans

According to the last statistic data, the most popular loan products are unsecured personal loans and installment loans. These loans are the most convenient and profitable for the borrowers. Same day payday loans are also popular, but they are most often used in urgent cases when money is needed for a short period of time. In such cases, 24/7 loans are more convenient, since it is easy to get and the money is being accrued to the bank account of a borrower in short period of time.

The thing that makes personal loans one of the most attractive types of financial products is its uniqueness. It can be used for any purpose: making a big purchase, paying for a wedding or vacation, etc. However, the most common reasons for obtaining a personal loan currently are:

1. Debt consolidation (35%).
2. Household expenses (19%).
3. Medical expenses (9.9%).

Statistic data shows that the purpose of the loan doesn’t affect the chances of the borrower to get approved.

Summing up, the consumer credit market is experiencing rapid growth. Personal loans are attractive to the borrowers because of the affordable interest rate and quick receipt of funds. FinTech is developing and expanding, thus the number of lenders increases and the borrowers have a wide choice.

Via EPR Network
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North’n’Loans Company Starts Offering Small Business Loans in Canada

Toronto, ON, Canada, 2018-Apr-27 — /EPR FINANCIAL NEWS/ — North’n’Loans adds small business loans to its range of services. Owing to this innovation, the company is now able to provide a qualified help to the small business owners in finding a reliable lender. The new service is already available on the company’s website.

The company is a Canadian service dedicated to connecting customers with direct lenders online. It provides assistance with finding quick financial solutions for Canadian citizens in many provinces. North’n’Loans.ca is not a direct lender and only aims to connect a borrower with a suitable lender.

The company used to work only with short-term loan lenders that provide payday loans in Canada. Now North’n’Loans extends the range of its services and also offers the assistance with finding a reputable small business loan lender. The newly launched financial service is available for business owners 24/7 on the company’s website.

North’n’Loans.ca aims to allow the entrepreneurs to satisfy their financial needs with the help of online lending. The service connects a business owner with a reliable lender in accordance with the information in an application form and customer’s place of residence.

A customer can apply for the service submitting the online application form on the company’s website. An applicant needs to enter basic personal data to make a request. Once the application is filed, the approval process starts and a lender contacts the customer within a short period of time. The borrower receives the money to the bank account within 24 hours after approval. The applicants do not pay any fees for using the service offered on the North’n’Loans website.

The company’s database consists of certified private lenders from different provinces. North’n’Loan gives anyone an opportunity to apply for a loan owing to a large number of different lenders. The company’s website informs that the loans are usually given on the basis of the current income and the ability to pay it back. Despite the high chances, the company does not guarantee 100% approval.

All the loans are processed completely online. The customer discusses the loans terms, application status, fees and rates directly with a lender. The company is not responsible for the borrower-lender relationship.

The company continues to improve its services and also presents a new financial blog for Canadian citizens. The articles provide recommendations for achieving financial stability and some useful tips for those who face financial difficulties. The topics enlightened on the North’n’Loans blog vary from the retirement options to the college loans details.

Apart from that, North’n’Loans created a French version of its website to make it convenient for French-speaking citizens of Canada. A language switch is added to make the service available for the residents from all Canadian regions.

Via EPR Network
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L’agrégation de données: OneLife a collaboré avec Harvest afin de proposer à ses conseillers financiers indépendants en France ce nouveau service

LUXEMBOURG, 24-Nov-2017 — /EuropaWire/ — En 2016, OneLife s’est lancée dans une transformation digitale. Elle fait donc partie des précurseurs dans un domaine où l’interaction entre l’Homme et la machine s’intensifie pour améliorer l’expérience client. Depuis, plusieurs projets ont été réalisés conformément à cette feuille de route, d’autres suivront dans les prochains mois et d’autres encore en sont au stade de preuve de concept et devraient voir le jour début 2018.

Après le lancement des Digital Days en juin 2017 dans le but d’impliquer pleinement le personnel, le petit-déjeuner Digital Days du 30 novembre sera l’occasion de mettre en avant les résultats obtenus cette année et de définir les futurs projets. Les collaborateurs issus des différents départements de OneLife participent à la mise en œuvre de l’innovation digitale afin d’améliorer l’expérience des partenaires et des clients et, ce faisant, apprennent les techniques qui leur permettront d’être compétitifs dans le monde de demain.

Chez OneLife, la formation et le développement sont également entrés dans l’ère digitale avec le lancement en septembre de la plateforme de formation Lynda.com de LinkedIn. Cet outil qui propose plus de 10 000 formations en ligne, encourage les collaborateurs à suivre régulièrement des cours dans toutes les disciplines avec une certification à la clef.

Marc Stevens, CEO de OneLife: « Le Digital fait partie de l’ADN de OneLife! L’interaction intelligente entre l’Homme et la machine est synonyme au quotidien de plus de simplicité, de rapidité et de facilité tant pour nos partenaires que nos clients et nos employés. Notre transformation digitale continue … Cette année, nous avons implémenté de nombreuses initiatives à valeur ajoutée et d’autres plus nombreuses encore sont prévues pour l’année prochaine. »

IL ÉTAIT UNE FOIS UNE ANNÉE DIGITALE – QUELS RÉSULTATS ONT-ÉTÉ OBTENUS ?

Agrégation des données

OneLife a collaboré étroitement avec Harvest, le leader français de l’agrégation de données, afin de proposer à ses conseillers financiers indépendants en France ce nouveau service qui présente l’avantage de leur offrir une vue d’ensemble des positions en portefeuille de chacun de leurs clients. Cette initiative s’inscrit dans une démarche digitale globale à laquelle viendront s’ajouter d’autres projets d’agrégation de données. OneLife est maintenant en mesure de supporter entièrement le format Penelop, ce qui nous permettra dans les prochaines semaines d’étendre notre partenariat avec d’autres agrégateurs présents sur le marché. De plus, nous avons récemment mis en place un service de B2B qui permet à nos partenaires de se connecter en temps réel à notre plateforme afin de consulter l’ensemble des informations disponibles sur leur portefeuille respectif.

Ce projet a été réalisé en un temps record grâce à une collaboration particulièrement fructueuse entre OneLife et Harvest. C’est ce qui nous a permis d’intégrer ces nouveaux flux pour étendre encore l’intégration des contrats luxembourgeois dans O2S. L’intégration de ces flux s’inscrit dans un dispositif juridique et technique qui garantit la sécurité et la confidentialité des données à caractère personnel (masquage des données clients, protocole de transfert sécurisé, chiffrement des communications, clé d’authentification etc.).

Communiqué de presse complet @ https://news.europawire.eu/le-feu-dartifice-digital-de-fin-dannee-de-onelife-21768/eu-press-release/2017/11/22/

SOURCE: EuropaWire

 

 

Research: 53% of HNWIs relocating or intending to relocate would expect online banking to be part of an international wealth management proposition

LUXEMBOURG, Nov-16-2017 — /EuropaWire/ — New research from The OneLife Company reveals that ensuring investments are tax efficient and managing international tax commitments are among the top financial priorities for internationally mobile HNWIs. In spite of this, fewer than 40% of relocators feel that their investments are as tax efficient as they need them to be.

The insight points to the growing urgency for wealth managers to tailor solutions and services to international clients. One in four European HNWIs surveyed has previously moved countries to live or work, with a further 13% intending to relocate for the first time in the future. The appetite for international living is rising further among the millennial segment, with the number of relocators and future relocators under the age of 35 rising to 43% and 20% respectively.

The research, carried out in conjunction with wealth insights firm Scorpio Partnership, considered the views of 770 HNWIs from Belgium, Denmark, Finland, France, Portugal, Spain, Sweden, Switzerland and the United Kingdom. The average wealth of participants was EUR2.76 million.

Responses revealed that 46% of individuals relocating or intending to relocate would expect tax advice to be part of an international wealth management proposition. Notably, 27% would also require life assurance to be included within the product suite, with this figure rising to 39% among those under 35.

“Younger generations of clients are more likely to relocate and are clearly more cognizant of the range of benefits – such as portability – which life assurance can provide,” commented Marc Stevens, Chief Executive Officer at OneLife.

The findings also point to the significance of technology for the relocator segment. Online banking was the top requirement in an international wealth management proposition, with 53% of relocators saying this was necessary to manage wealth.

This was affirmed by the fact that individuals who continued to work with their primary wealth manager following relocation referenced quality of tools as the primary reason to stay with the firm. By contrast, a quarter of individuals changing wealth management provider following relocation cited lack of suitable digital services as a motivator to pursue a different relationship.

SOURCE: EuropaWire

Exciting new cryptocurrency payments solution establishes partnerships in the EU and globally

DUBAI, UAE, Aug-28-2017 — /EuropaWire/ — Bit Coin Global FZE is thrilled to announce the initial coin offering (ICO) of its Money Trade Coin as it enters cryptocurrency markets worldwide. Based in the UAE, the organization brings its history of expertise in this space to a global audience in need of a reliable, secure and stable cryptocurrency to utilize as an everyday business solution.

The Money Trade Coin, which can run on fiat currencies as opposed to just bitcoin, represents the future of making payments. Bit Coin Global FZE has already partnered with groups like online malls and ticket booking services across Europe to bring its award-winning technology to consumers.

Blending traditional finances with digital ones, Money Trade Coin incorporates the latest blockchain innovations to provide an ultra-secure wallet through multilevel verifications with the world’s first fully cash-backed cryptocurrency, already with a standby letter of credit from top banking institutions. Moving forward, Money Trade Coin will be expanded into the areas of wealth management, debit cards, loans and even higher education, ultimately revolutionizing the way money is managed and payments are made.

The soft launch of the Money Trade Coin was attended by a veritable who’s who of well-known figures ranging from elite traders and prominent members of the global business community to Bollywood stars. This fanfare signifies that cryptocurrency is truly entering the mainstream, ushering in a new era of technological and online investment options.

About MoneyTradeCoin:

Visit us to learn about our exciting new cryptocurrency www.moneytradecoin.com

SOURCE: EuropaWire

Vivier Chief Executive, Luigi Wewege Announces New Book: The Digital Banking Revolution

AUCKLAND, NEW ZEALAND and COLUMBIA, SOUTH CAROLINA and MADRID, SPAIN, 2016-Dec-21 — /EPR Network/ — Luigi Wewege’s latest book, The Digital Banking Revolution, shares his inside perspective on how financial technology companies are rapidly transforming the traditional retail banking industry through disruptive innovation.

In The Digital Banking Revolution, Wewege provides a look at how over the past decade financial service innovations have contributed to a completely new way in which customers are able to bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations.

Luigi’s book presents the ways these new technological advancements have facilitated the rapid emergence of digital banking firms and FinTech companies, leading to established banks being forced to swiftly increase their pace of digital adoption to stay relevant, and stop mass client attrition to these agile financial start-ups.

“These threats come at an inopportune time for banks due to mature markets currently experiencing stagnant growth. This coupled with decreasing profit margins due to the competitive pricing of new entrants, and financial customer loyalty becoming ever increasingly more tenuous,” said Wewege.

Supported by numerous illustrations, the book spans a diverse range of topics from big data analytics and mobile payments to the evolving behaviors of financial consumers. The Digital Banking Revolution concludes with Luigi providing his predictions in the book’s final chapter, which is titled The Future of Banking. In this chapter, he outlines how he believes financial services are likely to evolve, and be conducted going forward.

The book is currently available for purchase online at Amazon.com in Kindle and paperback versions, as well as being offered via a number of other major online booksellers. To learn more about the author – Luigi Wewege and his new book, The Digital Banking Revolution, please visit: www.digitalbankingrevolution.com.

ABOUT LUIGI WEWEGE
Luigi is the President and CEO of Vivier Group, a multinational financial group of companies, providing its services worldwide through representation in jurisdictions across Africa, Asia, Oceania, Europe and South America. Outside of Vivier he serves as the Non-executive Chairman of Nikau Global an international trade and development firm, as Partner/Director of Palmetto Global Ventures a bespoke financial management consultancy firm, and is an invited member of Boston, Massachusetts based non-profit the Young Entrepreneur Council. For more information, about Luigi please visit: http://www.luigiwewege.com or alternatively reach him via Twitter @luigiwewege.

 

Media contact:
Brandon Hopkins
Email: info@digitalbankingrevolution.com
Phone: 803-404-4851
Web: www.digitalbankingrevolution.com

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DIRECT CONNECT CONTINUES TO ACQUIRE SALES OFFICES WITH PURCHASE OF FLORIDA ISO

CHANTILLY, VA, March 15, 2016 — /EPR NETWORK/ — Direct Connect today announced that it has acquired another payment processing sales portfolio, Merchant Processing Solutions (MPS) in Fort Lauderdale, FLA.

direct connect logo

This transaction is part of Direct Connect’s commitment to growth through acquisition and is the company’s sixth acquisition since being recapitalized by The Beekman Group in 2015.

MPS provides merchant services to more than 500 restaurants and retail businesses across the United States, with more than $100 million in annual processing volume.

Owned jointly by Yamilet Strauss, Claudia Mosley and Diana Lizarazo, the independent sales organization (ISO) is a perfect fit for the Direct Connect business model: it is an active retail ISO acquiring merchants on the First Data platform, but it needed the financial and technological infrastructure and support to compete in today’s rapidly-changing payments infrastructure.

“MPS has grown successfully because of their people, and their top-down commitment to providing service and support to customers,” said Matt Clyne, Direct Connect’s CEO. “Direct Connect adds financial strength and stability, state-of-the-art technology and highly experienced human resources to the mix, making for an unbeatable combination and assured growth for MPS.”

Clyne said Direct Connect purchased five companies in 2015 and has already laid the groundwork for three more acquisitions in the first half of 2016. Direct Connect continues to actively seek out sales offices with low attrition and a commitment to the highest levels of service and support.

ISOs interested in investment capital or acquisitions opportunities are invited to visitwww.directconnectps.com or contact the company at 800.747.6273.

“We intend to be a very active buyer in the marketplace,” Clyne said.

About Direct Connect
Based in the Dulles Corridor of Northern Virginia, Direct Connect provides innovative technology and payment processing services to businesses across the United States and Canada, including retail, restaurant, government contractors and service industries. Through a robust partner program, Direct Connect works with financial institutions, non-profit organizations, associations and software developers to incorporate payment solutions and enhance customer service. With a 20+-year history and more than 25,000 merchants in its portfolio, Direct Connect was recapitalized in 2015 by The Beekman Group, a New York City-based private equity firm positioning us well to meet the ever-changing demands of the industry.

Contact-Details:
Nancy Drexler, Acquired Marketing
ndrexler@acquiredmarketing.com
917-743-5258

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Asia’s global investment bank Nomura announced 15 senior appointments in the Americas, 13 Managing Directors and 2 Executive Directors

New York, October 27, 2014 — /EPR FINANCIAL NEWS/ — Nomura, Asia’s global investment bank, announced that it is continuing to strengthen its Investment Banking Division with 15 senior appointments in the Americas, which includes 13 Managing Directors and two Executive Directors.

“The addition of these talented and experienced bankers demonstrates Nomura’s continued commitment to strengthening our investment banking operations in the Americas. We are growing the business strategically and focusing on the areas where we can provide meaningful solutions to our clients,” said James DeNaut, Head of Americas Investment Banking. “We are pleased to have them join the team and contribute to our growth.”

The 15 senior appointments will consist of the following experienced bankers:

  • Frank Kinney joined Nomura as a Managing Director and Head of Industrials, Americas. He has more than 25 years of investment banking experience. Most recently, Frank was a Senior Advisor to energy-focused private equity fund, First Reserve Corporation. Previously, he was a Managing Director at Deutsche Bank and at Goldman Sachs.
  • Michael Rintoul joined Nomura as a Managing Director and Head of Business Services, Americas. He has more than 20 years of investment banking experience, with a focus on business services and technology. Prior to joining Nomura, Michael was a Managing Director at Jefferies and Global Head of Business Services; he previously held a similar title at UBS.
  • Miguel Espinosa joined Nomura as a Managing Director in the Financial Sponsors Group based in San Francisco. Miguel was most recently a Managing Director in the Financial Sponsors Group for Morgan Stanley, and has 14 years of financial sponsor coverage experience at the firm. Previously, he was an Oil & Gas analyst for Chase and Morgan Stanley.
  • Christopher Harned joined Nomura as a Managing Director in M&A, specializing inconsumer products. With more than 25 years of investment banking and private equity experience in the consumer products sector, Christopher has held managing director titles at Robert W. Baird & Company, Cypress Group and Lehman Brothers.
  • Lisa Stein joined Nomura as a Managing Director in the Consumer Retail Group. She has more than twenty years of experience in consumer products investment banking. Lisa has held managing director titles at Bank of America Merrill Lynch, Deutsche Bank and Citigroup, focused on consumer products coverage.
  • Charles Thompson joined Nomura as a Managing Director in the Natural Resources Group. He has 30 years of energy and natural resources investment banking experience. Most recently, Charles was a Senior Managing Director and Co-head of Energy & Natural Resources at FBR. He was a Managing Director, and had similar roles, at Legacy Partners Group and Credit Suisse.
  • Arun Master joined Nomura as a Managing Director in the Healthcare Group. He has 12 years of experience in the healthcare investment banking sector. Most recently, Arun was a Managing Director at Oppenheimer & Co. in their Healthcare Group. Prior to that, he had healthcare coverage roles at Deutsche Bank and Citigroup.
  • Scott Napolitano joined Nomura as a Managing Director in M&A, specializing in healthcare. He has 15 years of investment banking experience. Scott began his career at J.P. Morgan in their M&A and FIG groups. He was most recently a Managing Principal at Meadow Lane Capital, a merchant bank he co-founded that focuses on strategic advisory services. Previously, Scott had investment banking roles in healthcare and M&A at Goldman Sachs and Peter J. Solomon Company, where he was also a Managing Director.
  • Rudy Balseiro joined Nomura as a Managing Director and Head of Equity Syndicate, Americas. He has nearly 25 years of equity capital markets experience, which includes managing director roles at Needham & Company and Bear Stearns in their ECM groups.
  • Caio Costa joined Nomura as an Executive Director in the Sao Paulo office. He has more than 13 years of experience in investment banking, primarily in the Latin American markets. Before joining Nomura, Caio was a Director at Deutsche Bank based in Sao Paulo; he held a similar role at ING Bank.
  • Andrew Horn joined Nomura as an Executive Director in the Industrial Group. He has 13 years of investment banking experience. Andrew began his career at the boutique sell-side firm Gridley & Company in their M&A group. Most recently, he was a Senior Vice President of Industrials at Macquarie Capital. Prior to that, Andrew was a Principal in the Global Industries Group at Banc of America Securities.
  • Thomas Prior will join Nomura as a Managing Director in the Financial Sponsors Group. He has more than 25 years of financial sponsors coverage experience.
  • Christopher Striedter will join Nomura as a Managing Director in the Industrial Group. He has 21 years of experience in the industrial investment banking sector.
  • Mark Liggitt will join Nomura as a Managing Director in the Leveraged Finance Group. He has more than 15 years of investment banking experience, 14 of which have been focused on leveraged finance.
  • Abzal Ayubeally will join Nomura as a Managing Director in the Financial Institutions Group. He has 14 years of investment banking experience.

With these appointments, Nomura’s investment banking franchise continues to build upon its proven track record in the Americas of providing client-centric strategic advice and financing solutions.

###

Nomura Securities
Email: media@nomura.com
(44) 20 7102 4222
Address Nomura House, 1 St Martin’s Le-Grand, London EC1A 4NP, United Kingdom
Media: Alex Timmon

Crazy Mike’s Apps Completes Video Demo and Review of Spense for iPhone

Spense is money, simplified. You don’t have to make a complicated budget; just set a spending target and easily track it using Spense. No receipts to carry around and you know instantly how much you have left to spend. With Spense Plus, your transactions are instantly saved using our secure cloud sync technology, and now you can add a note or photo to any transaction. It’s an expense tracker you actually want to use!

“The Spense money tracker app is a super easy way to track your money and spending without requiring a complicated budget. This free iPhone Finance app has quick expense/income entry, list view for expense/income, easy-to-read charts, and works on a customizable cycle that you set.”—Crazy Mike’s Apps

Spense is an easy, quick, and simple way to keep a journal of your day-to-day spending.  Set a spending target and a repeat cycle, and each transaction you enter is immediately deducted from your balance. Available on the iTunes App Store for iPhone and iPod Touch, this app is free to download. To upgrade to Spense Plus, a subscription for $1.99 per month for unlimited users is available.

“Most people don’t bother to track their money or have a budget. That’s because setting up a budget and tracking each expense/income is such a time consuming task. However, the Spense iPhone app changes this by providing you with a practical money tracking app that is simple to understand and very quick and easy to use.”—Crazy Mike’s Apps

Get the most out of Spense by upgrading to Spense Plus. Features available only with Spense Plus include the ability to add notes and photos to any transaction, automatic backup using our secure cloud sync technology, an email at the end of each cycle that includes graphs, notes and photos, and your transaction history in a .csv file, transactions that are instantly synced with multiple users in a shared spending journal, access to your spending journal with multiple devices, and access to all future added features.

“If you are in need of a simple but good money tracker app, you cannot go wrong with the Spense iPhone app.”–Crazy Mike’s Apps

Spense is a development of Irinhawk, LLC, located in Clemmons, NC. Developer Craig Coleman designed the app originally for his family, and realized quickly that all families who are trying to save money would benefit from it as well. Allowing the single version of the app to be downloaded for free will give everyone the opportunity to try Spense and see how much it helps them month to month.

For more information, contact Lisa Coleman at: info@spenseapp.com or visit www.spenseapp.com

Download Spense in the iTunes store: http://itunes.apple.com/app/spense/id541378900?mt=8

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ModelOff Announces 16 Finalists for 2013 Financial Modeling Championships

16 Finalists have emerged from the intense competition that is the ModelOff Championships. They will fly to New York for the second weekend of December where they will battle it out in a final closed-testing round at Bloomberg’s offices. During their weekend in New York, Finalists will have the priviledge of meeting with the Microsoft Excel development team, attending an ‘Innovation in Finance’ think tank and rubbing shoulders with some of the greatest financial and excel modeling minds in the world, including Judges Simon Benninga, Kiel LaFrance and “Mr Excel” himself, Bill Jelen. The 2013 ModelOff Financial Modeling Champion will be announced during a Live Finals event held at Microsoft, followed by Champions Drinks sponsored by EY.

Thousands of financial modeling contenders completed the Round 1 two-hour challenge online from countries all over the world including India, Russia, Thailand, Poland, United Kingdom, New Zealand and the US. The top 40% were admitted through to Round 2 which was, by all accounts, a grueling and mentally stretching exercise.

‘After Round 2 I was devastated’, said Mack Wilk, one of only four returning Finalists from the inagural 2012 competition, ‘I struggled with some of the questions and feared that it was all over for me.’ For hundreds of competitors it was. Those who did make it to the Finals have strong backgrounds in investment banking, actuaries and analysis for some of the top financial companies in the world including PwC, Morgan Stanley and Perella Weinberg Partners. One of those, scoring a previously unheard of 114/120 in Round 1, is EY UK Partner, Gavin Jordan.

‘I’ve always enjoyed playing with numbers and data in Excel, and regularly take the opportunity to ‘help’ my colleagues when I overhear them trying to solve a problem,’ said Gavin discussing his reason for entering the competition. “I thought this would be a great way to test my knowledge and meet some fellow minded individuals. Despite having had a very enjoyable and high scoring first round, I didn’t think that I’d answered enough of the Round 2 questions to make the top 16. I’m delighted to have been proved wrong.’

Along with the other first-time Finalists, Jordan will join returning finalists William Glass, Mack Wilk and Andras Galambos in their attempt to take the title from current holder, New Zealand Analyst Alex Gordon. “Quote from Alex Gordon that I am waiting on.” With $30,000 prize money on the line, thanks to Microsoft, he’s up against some hungry competitors.

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New Book Explains How Consumers Can Waste an Average of $23,000 in Legal Fees

According to research, “Estate Planning Attorneys would rather just write up a will for few bucks now so they can make a bundle on probate legal fees later.” In his new book, “The 5-Minute California Living Trust” (free today on Amazon), Author & Non-Lawyer Tom Cox breaks down the legalease into plain English on how to avoid these unneeded legal fees entirely.

The average person pays $23,000 in legal fees during probate. These are attorney fees that are completely unnecessary and avoidable. The 5-Minute California Living Trust shows how to avoid probate and take that $23,000 and put it into something more important, like your kids’ or grandkids’ college education or down payment for a new home.

“The 5-Minute California Living Trust” is Free Today on Amazon at: http://www.amazon.com/dp/B00EV44WPA

For learn more, visit ZipLegal.org, the Home of the 5-Minute California Living Trust: http://www.ZipLegal.org

Join the conversation on Facebook at http://www.facebook.com/zipllc

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NorthenLoans Company Improves Its Payday Lending Service

Nowadays people depend on money a lot. In the world of unstable economy, a lot of prices and taxes have been increasing every time consumers visit stores, restaurants and other institutions. However, paychecks don’t get higher and that’s when Canadians have to get an additional help from banks or so. That’s why it became very convenient to take out payday loans online from trusted Canadian loan store – NorthenLoans – the alternative source of extra money for some kind of emergencies.

North’nLoans website offers its service to everyone who needs financial help. It became really popular among consumers and the online company decided to make it even more comfortable to surf the website to get necessary information as fast as possible.

It is very important for the company to know that its customers can feel convenient while applying for instant payday loans without credit check online. Right now it’s done some new upgrading and improved its services. Recently NorthenLoans has created a French version of its site for French-speaking residents of Canada to make service comfortable for every individual. Loans which you can get online have become more available, so that any one won’t have any problems with getting them in case of urgent need. The applications Canadians have to fill up to sign up for a loan are always being looked at by the direct lenders cooperating with the company and if they are approved, consumers are called within 24 hours. Well, now the process of approving applications is much faster for consumer’s own convenience. It has never been easier to use payday lending website especially with much useful information performed in this article.

The website is quite user friendly and customers can easily access the required provinces. Moreover cash loans can be already obtained in following cities: Toronto, Vancouver, Ottawa, Edmonton, Calgary, Montreal, Hamilton, Brampton and Winnepig. The company is now working on adding even more cities for customer’s quick reach. Besides, consumers can spend some time reading the latest news and financial tips, urgent infographic and video on the newly created blog of the company. North’n’Loans Blog can also be found on the Facebook Fan page where even more interesting facts are available and being updated 24/7.

This company does everything to meet its client’s needs – that’s for sure. It guarantees qualified approach to every consumer who wants to get emergency cash till the next paycheckcomes. Feel free to check out company’s upgraded services and improved terms and conditions of getting payday loans for Canadians.

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