#Market Ecosystem

[kenresearch1]

UAE Debt Collection Market is in the Growing Stage, Driven by Changing IT Policies and Documentation and Rise in Awareness Due to the COVID-19 Pandemic among the Population: Ken Research

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The Collection Industry in UAE peaked right before and during the pandemic. Increased amount of lending along with rising defaults presents great opportunities for debt collection.

Covid Led Growth: COVID-19 pandemic bough certain challenges for debt collection agencies in terms of worsening the financial situation of debtors leading them to refuse paying their debts. However, it made the public more aware about the existence of debt collection services which motivated them to fulfil their debt obligations. Pandemic also increased the number of default accounts bringing more business for collection agencies and inducing growth.

Rise in Digital Collections: Debt Collection companies used to rely on phone-calls to make recoveries which led to terrible customer experience and wastage of time. Digital collections are being extensively used which leverages analytics to make the process more efficient and act as catalysts for the industry.

Interested to Know More about this Report, Request for a sample report

Growing focus on Regulatory Compliance: Debt Collection companies have started to place more focus on complying with all regulations for a better customer service. They are maintaining proper documents, getting cheques as proof for future payment and amending the penalty terms.

Changes in UAE Legal System: The new legal system at UAE makes it possible to recover debts via court in merely within 7 days if all the documents are readily available. The new Bankruptcy law also provided safety for debtors and changed the shape of debt collection industry.

Analysts at Ken Research in their latest publication- “UAE Debt Collection Market Outlook to 2027- Characterized by fierce competition and high growth prospects” by Ken Research provides a comprehensive analysis of the potential of the debt collection market in UAE. Rise in digital collection techniques and increasing use of AI and ML for recovery predictions are expected to contribute to the market growth over the forecast period.

UAE debt collection market is expected to grow at a robust CAGR over the forecasted period 2022-2027.

Key Segments Covered

Segmentation by Segment

Non-Finance

Finance

Insurance

Segmentation by Type of Firm

Debt Collection Agency

Law Firm

Segmentation by Age of Firm:

0 to 10 yrs

10 to 20 yrs

20 to 30 yrs

Segmentation by Geographical Presence

Abu Dhabi

Dubai

Fujairah

Sharjah

Ajman

Umm Al-Quwain

Ras Al-Khaimah

Sub-segmentation of insurance segment & financing segment

Sub-segmentation of insurance segment:

Motor & Transportation

Property/Fire

Liability & Others

Sub-segmentation of financing segment:

Real State

Personal

Financial institution

Services

Manufacturing

Trade

Others

Visit this Link :- Request for custom report

Key Target Audience

Existing Debt Collection Companies

Law Firms

Financing Companies

Non-Financing Companies

Insurance Companies

Debt Collection & Management software providers

Government Agencies

Finance Consultants

Others

Time Period Captured in the Report:

Historical Period: 2017-2022

Base Year: 2022

Forecast Period: 2022–2027

Companies Covered:

SUPPLY SIDE:

Debt Collection Companies

Tahseel

CMS

Aman Debt Collection

First Solution

Credit Recovery

AW Holding

Bilkish

Derby Group of Companies

Alpha Debt Collection

Fort Equity

Quick Action

ATDC

com

ALQADA

Law firms/Debt Collection

Taswiyeh

ASKTHELAW

HHS LAWYERS

DUBAI DEBT RECOVERY

STA

AE

AL ROWAAD

AL SAFAR

BIN EID

Regulatory Bodies and Judiciary

Central Bank of the UAE

Judicial Department

DEMAND SIDE:

Insurance companies

Etihad Credit Insuranc

Atradiuse

CIGNA

COFACE

PACIFIC PRIME

MetLIFE

ACE

Emirates RE

Financing companies

Emirates NBD

ADCB

DUBAI FIRST

Mashreq

Commercial Bank of Dubai

Dubai Islamic Bank

HSBC

RAKBANK

ADIB

FAB

CITYBANK

Non-Finance companies

Etisalat

Emircom

Etihad Water and Electricity

Abu Dhabi Distribution Companies

Emaar

Nakheel

Lufthansa

Choithrams

Asian Paints

Majid UL Futaim

Naseej

Key Topics Covered in the Report                            

Global Debt Collection Market Overview

Ecosystem of UAE Debt Collection Market – Demand and Supply Side

Value Chain Analysis – Amicable Settlement and Litigation Settlement

Market Size and Segmentation of Debt Collection Industry in UAE, 2017-2022

UAE Debt Collection Market Industry Analysis

Software used in UAE Debt Collection Market

Market Shares of Major Debt Collection Companies in UAE on the basis of Debt Collected, 2022

Competitive Analysis

Future Outlook and Projections, 2022-2027

For More Insights On Market Intelligence, Refer to the Link Below: –

UAE Debt Collection Market Outlook to 2027

Related Reports by Ken Research

KSA Debt Collection Market Outlook to FY'2026

[englishsub]

book rec by me

so you want to get back into reading books but have no idea where to start and disdain booktok (if you get me started on this however i will become an unskippable cutscene so that's for another day). understandable. there is so much out there and it is all so overwhelming and you don't even know what you like now that you've been a decade out of the game. again, understandable. it does not have to be scary. i will help you. below i have created some categories that can get you started.

i want to read Literature

literary fiction, with crossover from historical fiction and magical realism

PEACH BLOSSOM SPRING by melissa fu

THE VASTER WILDS by lauren groff

THE FAMILY CHAO by lan samantha chang

OUTER DARK by cormac mccarthy

SEVERANCE by ling ma

LIGHT FROM UNCOMMON STARS by ryka aoki

IDENTITTI by mithu m. sanyal

PIRANESI by susanna clarke

i want to read sci-fi/fantasy that won't break my brain

sci-fi and fantasy that is gentler on the brain cells. easier to grasp magic systems with multiple but not an overwhelming number of overlapping plotlines

EMILY WILDE'S ENCYCLOPAEDIA OF FAERIES by heather fawcett

KINGS OF THE WYLD by nicholas eames

THE JASMINE THRONE by tasha suri

THE CITY OF BRASS by s.a. chakraborty

A RIVER ENCHANTED by rebecca ross

JUNIPER AND THORN by ava reid

BLACK SUN by rebecca roanhorse

THE FINAL STRIFE by saara el-arifi

THE BONE SHARD DAUGHTER by andrea stewart

i want to read sci-fi/fantasy that forces me to lock the fuck in

i would not recommend picking these up as your first foray back into books after many years of not reading recreationally, but i'm not your mom.

THE SPEAR CUTS THROUGH WATER by simon jimenez

JADE CITY by fonda lee

THE FIFTH SEASON by n.k. jemisin

THE RAGE OF DRAGONS by evan winter

A MEMORY CALLED EMPIRE by arkady martine

GIDEON THE NINTH by tamsyn muir

THE ART OF PROPHECY by wesley chu

THE GRACE OF KINGS by ken liu

horrify me!

there is far more to the horror literary canon than stephen king and dean koontz, i promise. consider looking up warnings for these.

TENDER IS THE FLESH by agustina bazterrica

THE RUINS by scott smith

CONFESSIONS by kanae minato

EPISODE THIRTEEN by craig dilouie

REPRIEVE by james han mattson

MARY by nat cassidy

DEAD SILENCE by s.a. barnes

AUDITION by ryu murakami

THE SALT GROWS HEAVY by cassandra khaw

don't care, i want romance

some of these feature crossover genres, like fantasy and horror.

VAMPIRES OF EL NORTE by isabel cañas

DAUGHTER OF THE MOON GODDESS by sue lynn tan

SEVEN DAYS IN JUNE by tia williams

HAPPY PLACE by emily henry

ONE DARK WINDOW by rachel gillig

i want QUEER romance

again, a mix of historical, fantasy, and contemporary crossover genres.

WE COULD BE SO GOOD by cat sebastian

IN MEMORIAM by alice winn

MOST ARDENTLY by gabe cole novoa

A STRANGE AND STUBBORN ENDURANCE by foz meadows

A MARVELLOUS LIGHT by freya marske

THE EMPEROR AND THE ENDLESS PALACE by justinian huang

SPELL BOUND by f.t. lukens

SORRY, BRO by taleen voskuni

ONE LAST STOP by casey mcquiston

DELILAH GREEN DOESN'T CARE by ashley herring blake

i haven't felt anything since i read percy jackson/the hunger games in middle school/high school

adventure is still out there.

SCYTHE by neil shusterman

WE HUNT THE FLAME by hafsah faizal

SIX OF CROWS by leigh bardugo

GEARBREAKERS by zoe hana mikuta

i'll read anything that's not straight or white

many books in the above categories fit this, but here's even more, across a variety of genres.

LAST NIGHT AT THE TELEGRAPH CLUB by malinda lo

BABEL by r.f. kuang

WHEN THE RECKONING COMES by latanya mcqueen

THE UNBROKEN by c.l. clark

IF YOU'LL HAVE ME (graphic novel) by eunnie

LEGEND OF THE WHITE SNAKE by sher lee

THIS IS HOW YOU LOSE THE TIME WAR by amal el-mohtar and max gladstone

SHE WHO BECAME THE SUN by shelley parker-chan

"all ya books suck"

like any other genre or book age group, there are duds and there are standouts. ya is not special in this regard. try some of these!

DIVINE RIVALS by rebecca ross

STRIKE THE ZITHER by joan he

THE RED PALACE by june hur

A STUDY IN DROWNING by ava reid

EMPIRE OF SAND by tasha suri

LEGENDBORN by tracy deonn

i check out and read a lot of these books for free via my local library by using the libby app (you can even add your friends' library cards to gain access to libraries in places you don't live). when i'm feeling like reading via audiobook, i use libro fm!

look, no one HAS TO read diversely. no one is going to be reverse fahrenheit 451'd and locked in a room with no fanfic and only books and not let out until they work their way through the entire literary canon. but reading, and reading widely, and reading diversely, is what teaches people to form their own opinions and question the things they are told. it's why they hang up stuff like "READ READ READ!!" in grade school classrooms.

we live under systems that increasingly benefit from going unquestioned. no, of course reading ASSASSIN'S APPRENTICE by robin hobb is not going to dismantle these systems tomorrow, nor probably even in our lifetimes. but doing it will help set up a world capable of doing it in the future. and until further notice, we are all part of this wretched world. might as well read a good story while we're here.

anyway, i'm reading THE WEST PASSAGE by jared pechaček and the new cmq book this week.

[alexaloraetheris]

I can't find the video I saw it in, but the truest thing I ever heard in my life is that the Cybertruck is to Tesla what Airpods are to Apple.

The gist is that they are both tech companies that pushed themselves ahead as 'the best' producers of a new type of a firmly established product (cars and phones) and as other brands caught up with their tech they became more designer brands than about actual utility.

You put in your Airpods and go strolling about every peasant on the street knows you can afford a bunch of Apple products and just throw them away when they break to het new ones because, as we all know, repairing them on your own is nearly impossible and getting them repaired costs almost more than a new product. Even though the design is kinda dorky, and the sound quality is nothing to be amazed by, they're a visual signifier of wealth everybody who looks at your face can see.

Cybertruck is the same, except it's even lamer, and much more dangerous. It literally looks like a dumpster. Everybody on the road knows you have money, but they also know to give you a very wide berth so they're not caught in the implosion when you crash. They've become not just the signifier of wealth but also everything WRONG with having too much money. Which is arguably the POINT because Elon Musk is basically the shining example of the old adage 'money can't buy you happiness'.

So instead of being the cutting edge of technology they were intended to be, both the Cybertruck and the Airpods are just about bragging rights, and signalling to the world you're probably an obnoxious ass who only has money going for them.

[formulaocean]

Simultaneously being a Maxcedes son and an Oscbull daughter yet also wanting them to be teammates because Maxcar yet Gax also exists and the 0.01633 percent chance of Lestappengate is rent free in your brain and Landoscar not being teammates would just feel wrong and

[wttcsms]

omg are the airpod maxes super uncomfy?? i was debating getting them as well. ARE THEY NOT WORTH IT?? 🥺🥺

surprisingly enough, they are comfortable!! (granted ive only worn them for like a max of two hours straight from when i tested them out earlier today) the sound quality isn’t bad either but im also like partially deaf + i would dare to say that the sound quality is similar to my good ol’ reliable first generation regular airpods. i will say the noise cancellation feature is soooo good!!!! however, for the full price (and even w the sale price i got it for which was (with tax) roughly $423) i would just save your money!!!! i have these old pair of wired headphones (beats by dre) and i honestly would say that those are v nice and get the job done well. the maxes were bought (by me) purely for the aesthetic at this point HAHA

[vashti-lives]

I have finally conceded that gremlins have eaten my kindle voyage and I do, in fact, need to replace it. It's been more than year of waiting for it to "turn up" interspersed with frantic episodes of looking. It's not happening! It's in the negaverse now.

WHY IS THE EREADER MARKET SO FUCKING TERRIBLE??? ALL I WANT IS A REASONABLY PRICED SMALL-ISH EREADER WITH DEDICATED PAGE TURN BUTTONS.

That's all! I don't need to be able to write on it! I don't need it to play videos! I don't need a big screen! I don't want to pay $200+ dollars. I just want to be able to read long fanfic on an e-ink screen again.

[clementine1107]

The Future of Carbon Credits: Introducing CLEMENTINE

The rise of carbon credit markets marks a pivotal shift in the fight against climate change, offering innovative ways to offset carbon emissions while driving economic growth. However, despite its promise, the carbon credit ecosystem faces numerous hurdles that hinder its widespread adoption and impact. To address these challenges, CLEMENTINE emerges as a comprehensive solution, poised to redefine the carbon credit industry by tackling existing limitations and fostering meaningful community engagement.

The Current Landscape: Challenges in Carbon Credit Adoption

Lack of Awareness and Engagement: Many carbon credit projects struggle to build an active community of supporters and users. This lack of engagement limits growth and discourages innovation within the ecosystem.

Verification and Transparency Issues: Traditional carbon credit markets often encounter challenges with verifying carbon reduction projects and maintaining transparency in transactions. These issues undermine trust and slow down adoption rates.

Access and Inclusivity: The carbon credit sector sometimes remains out of reach for small businesses and individuals, with complex processes and limited access to credits.

Enter CLEMENTINE: Transforming the Carbon Credit Ecosystem

CLEMENTINE aims to address these obstacles by creating a more inclusive, transparent, and efficient platform for carbon credits. With a focus on community involvement, verification, and accessibility, CLEMENTINE is set to reshape the carbon credit industry and encourage greater participation in sustainable practices.

At the core of CLEMENTINE’s mission is the desire to create an inclusive platform where anyone can engage with carbon credits, contribute to reducing emissions, and benefit from a growing eco-friendly economy. Our vision is to empower individuals and businesses to make a meaningful environmental impact while promoting transparency and accessibility.

Impact Analysis: CLEMENTINE’s Influence on Key Areas

To understand how CLEMENTINE impacts the carbon credit industry, let’s analyze its effect on key areas:

Community Engagement and Adoption:

Previous Impact: Many carbon credit projects faced difficulties in building active and supportive communities, leading to slow growth and limited impact.

Current Impact with CLEMENTINE: CLEMENTINE focuses on engaging communities through campaigns, token rewards, and easy-to-use interfaces, driving greater participation and adoption.

Verification and Transparency:

Previous Impact: Traditional systems lacked robust verification and transparency, causing trust issues among stakeholders.

Current Impact with CLEMENTINE: CLEMENTINE employs blockchain technology to verify carbon credit projects and ensure transparent, tamper-proof transactions, building trust and credibility.

Access and Inclusivity:

Previous Impact: Access to carbon credits was often limited to large corporations, excluding small businesses and individuals.

Current Impact with CLEMENTINE: CLEMENTINE democratizes access to carbon credits through an inclusive platform, making it easier for everyone to participate in carbon reduction initiatives.

Innovation and Features:

Previous Impact: Traditional carbon credit platforms may have lacked user-centric features and services.

Current Impact with CLEMENTINE: CLEMENTINE introduces user-friendly modules like real-time tracking and AI-based analytics, enhancing user experience and maximizing impact.

Financial Incentives and Inclusivity:

Previous Impact: Past platforms often overlooked financial incentives for users, limiting engagement.

Current Impact with CLEMENTINE: CLEMENTINE offers a rewards-based system, encouraging greater participation by providing tangible benefits for carbon reduction efforts.

CLEMENTINE’s Key Features: Empowering Users and Driving Impact

Carbon Credit Token Module:

This module enables the secure tokenization of verified carbon credits, ensuring transparent issuance and trading. Smart contracts manage the distribution, while KYC/AML procedures validate participants.

Airdrop Module:

The Airdrop module distributes tokenized carbon credits to users, enhancing awareness and participation. Customizable eligibility criteria and automated distribution ensure fair and widespread engagement.

Staking Module:

Users can stake their carbon credit tokens to earn rewards and participate in governance. This module promotes user involvement and rewards contributions to carbon offset efforts.

Decentralized Marketplace:

The marketplace allows businesses and individuals to buy, sell, and trade carbon credits directly. Peer-to-peer trading is facilitated through secure and transparent blockchain technology, ensuring accessibility and fairness.

AI-based Analytics:

CLEMENTINE leverages AI to provide users with insights into their carbon footprint and the impact of their credits. This empowers users with data-driven tools to make informed environmental decisions.

Eco-Friendly Wallets:

User-friendly wallets enable secure management of carbon credit tokens across various devices. Integration with hardware wallets and multi-signature features enhances security and control.

Engagement and Rewards Platform:

CLEMENTINE’s rewards platform encourages users to refer others and participate in carbon reduction initiatives, fostering a vibrant and growing community committed to sustainability.

Embracing a Greener Future with CLEMENTINE

As the world confronts the challenges of climate change, the need for innovative carbon credit solutions has never been greater. CLEMENTINE stands at the forefront, driving transformation through transparency, accessibility, and community empowerment.

By overcoming traditional barriers in carbon credit markets, CLEMENTINE is set to revolutionize the landscape, making carbon credits accessible and impactful for all. Join us on this journey towards a sustainable and eco-friendly future with CLEMENTINE.

[cloudcountry]

moray eel rambles part 732564

there were some things i didn't talk about in my last post about morays like teeth differences, hunting team-ups, their predators, etc. i also included a new genus of moray eel (muraena) because they're so pretty!

the muraena argus is a beautiful eel!!

and so is the jewel moray eel!!

anyways, its tooth time.

some moray eels have blunt teeth for crustacean eating as opposed to sharper teeth for fish eating. it just depends on what they specialize in! you can usually tell by the differences in their snout length (short snouts for blunt teeth, long snouts for sharper teeth.)

it took me forever to find a picture of the snowflake moray opening its mouth, and while there definitely were pictures of the mouth opened wider, you can see the teeth better on the bottom jaw in this one.

see the difference between this...

and this?

this is a pattern that i've noticed over my months of researching morays which i thought was pretty interesting.

morays are mostly ambush hunters, hiding under rocks and lunging at prey. however, there are exceptions, like the giant moray eel which will team up with groupers to hunt. Since moray eels hunt in reefs and groupers hunt in the open water, the prey will be scared by one fish and eaten by the other. (for example, if the moray is hunting in the coral reefs and a fish swims away from the moray, it's likely that the grouper will get it and vise versa.) considering groupers eat pretty much the same things as morays (with a diet consisting of fish, shrimp, crustaceans, and octopus) it's no surprise that they do this.

most moray eels are nocturnal hunters, but the white mouth moray can be seen patrolling coral reefs in the daytime!! this wasn't something i'd seen until i watched a short documentary about morays in hawaii (link here!! the segment on the white mouth moray begins at 6:12 if you're interested C:)

their predators are sharks, barracudas, and sea snakes, which funnily enough is what floyd calls jamil so i don't know what he's implying but here we are! (and people talking about floyd wanting to eat us,,, does floyd think jamil wants to eat him? /j) but uh...when i was doing research on this i did find a video of a sea snake eating a moray whole so if you want to watch that it's here?

some morays can survive in freshwater, but they grow & survive better in brackish or marine conditions. the whole "freshwater" eel thing, according to the research i've done, is a myth and if you're going to keep an eel as a pet you should make sure you have the right tank conditions. the most commonly mischaracterized eel is the indian mud moray eel, or “freshwater” eel. it can survive in freshwater, but it does so much better in brackish conditions.

the larvae of the ribbon eel is transparent.

look at how tiny their face is!!

[drumlincountry]

sometimes I feel like i'm Not Doing Enough but that's only because i'm dumb and forgetful

[paybyfaceireland]

Revolutionizing Payments in Europe with PAYBYFACE® Biometric Payment & Loyalty Platform.

PayByFace Offers a Unique Bio Metric Payment System, PayByFace takes Customer Loyalty to the next level. PayByFace Makes Digital Advertising Simple and effordable for Small and Large Businesses.

PayByFace continues to add to its suite of value added services included in their Ecosystem.

PayByFace, a innovative Amsterdam-based fintech start-up, announces several country based agreements and subsidiary expansions across several major European markets, including the Netherlands, UK, Ireland, France, Italy, Spain, Switzerland, Germany, Austria, Romania, and Bulgaria.

This is a significant milestone for PayByFace and its journey to both enable and scale biometric facial recognition technology adoption and in our commitment to simplify the future of check-out interactions while remaining fully GDPR compliant with the EU regulation.

PayByFace the future of payments is poised to transform the way European consumers interact with retailers at the check-out, offering unparalleled convenience, loyalty value focus, and enhanced security in the digital era.

For more information reach out to us here at PayByFace Ireland

www.paybyface.ie

#FaceRecognition #PayByFace #Biometricpayment #Futureofpayments #FacialRecognitionPayments #Securecontactlesspayments

[rilespics]

humble yet vital, painting life's unseen canvas

[zeditips]

Bridging the Digital Divide: Empowering Ordinary People through a Revolutionary New Platform

In today's rapidly advancing digital era, the world is experiencing a transformative revolution that is shaping various aspects of our lives. However, amid this digital revolution, it is disheartening to note that a significant portion of the global population, especially ordinary people, is being left behind. Lack of access, inadequate digital literacy, and limited opportunities are contributing to a widening digital divide. Fortunately, there is hope on the horizon in the form of a revolutionary new platform that aims to bridge this gap and empower ordinary individuals. Let's explore the challenges faced by ordinary people in the digital realm and uncover the potential of this groundbreaking platform to change the world.

Get In FREE 🌎

[w3wai]

W3W CRM Partners with Notifi for Web3 Growth

We are thrilled to announce our new partnership with Notifi, a cutting-edge platform that simplifies communication across all web3 messaging channels and empowers developers and creators to better engage with their users and communities. 

Our partnership with Notifi brings exciting new opportunities for both sides. W3W will provide Notifi users with key analytics and insights into their communities, such as identifying high-value members based on their wallet intelligence. With this information, Notifi will then be able to market directly to targeted segments with customized messaging and incentives. Utilizing these platforms together allows web3 projects to better communicate with, strategize for, grow, and retain their communities.

We are so excited about working with Notifi to continue growing web3. With the power of W3W's community analytics and Notifi's multichannel communication platform, the possibilities for web3 community growth are endless.

About Notifi 🐡

Notifi allows for simplified communication across all web3 messaging channels (Discord, Telegram, SMS, Twitter). Designed with simple APIs for easy integration and customizable and advanced features for dApps and web3 applications, Notifi empowers developers and creators to better engage with their users and communities via multichannel communications.

💬[Notifi website](https://notifi.network/) 

🐦[Notifi Twitter](https://twitter.com/NotifiNetwork) 

🎮[Notifi Discord](https://discord.com/invite/nAqR3mk3rv)

About W3W

W3W is a next-generation web3 intelligence platform that empowers communities to discover and engage their true users. Our AI-powered tools provide valuable insights for optimizing community management, including customer segmentation, community and wallet analysis, and actionable reporting, while also offering powerful features like airdrops, email marketing, and discord role management to incentivize and engage users. Learn more from our Twitter and White Paper!

[vitruviopao]

https://new.mygreenway.eu/

[farmerstrend]

Kenya’s Leads Africa as a Hub for AgriTech and Food Startups in Africa

Kenya is emerging as a leader in sourcing capital for its agricultural technology and food startups across the African continent. A large portion of capital for African startups still comes from foreign countries, with approximately 60 per cent, coming from international sources, primarily the United States and the United Kingdom. On the continent, however, most investors are concentrated in…

[worldpostday]

Shaping the future of postal interoperability.

Ready to Market Interoperability Group (RMIG): shaping the future of postal interoperability

The Universal Postal Union (UPU) has launched a groundbreaking initiative called the Ready to Market Interoperability Group (RMIG). This initiative strengthens cooperation between Designated Operators (DOs) and wider postal sector players (WPSPs) to support growth, innovation and the sustainability in the postal ecosystem while directly addressing the needs of customers.

Read the full story.