#Report on Embedded Finance

[paynxt360fintech]

Starbucks reshaping its loyalty program through prepaid card system

Starbucks is all set to launch its new loyalty program effective from April this year. The major change which has been implemented in the new loyalty program is the earning of stars. In the old system, the number of stars earned was based on the count of transactions of a customer. In the new system, the stars would be awarded based on the amount spent at each transaction. Another significant aspect of the loyalty program is that, the prepaid card system will be launched by the end of 2016, which would function like a Visa Card and would be acceptable at other retail outlets too. The reward point structure on the card usage outside of Starbucks has yet not been structured, but it will soon be in place.

[mariacallous]

In mid-September, Russians at War, a documentary by the Russian Canadian filmmaker Anastasia Trofimova, was supposed to be screened at the Toronto International Film Festival. At the last minute, after protests from the Ukrainian community and the office of Ukrainian President Volodymyr Zelensky, the festival first pulled the picture, only to return it to the program a week later.

What made the documentary so controversial was that, although many films have chronicled the devastation caused by Russia’s ongoing invasion of Ukraine, including the Oscar-winning 20 Days in Mariupol, Trofimova’s work focused on the invaders. The filmmaker, embedded with a Russian unit for seven months, humanized Moscow’s troops as lost, confused, and disheveled. The men joke, miss their families, and even criticize the Russian government, though they never speak against Putin. A love-on-the-front-lines plot trains the viewer’s sympathy on the soldiers, even while the film avoids any reference to atrocities committed by Russian forces in Ukraine.

So is Russians at War a propaganda film, as its Ukrainian critics argue? Financed in part by the Canada Media Fund and produced in partnership with Ontario’s public broadcaster TVO, Russians at War avoids the trope of “Russian savior liberates ancestral lands from NATO invaders” that is typical of Kremlin propaganda. But all of Trofimova’s previous documentaries, filmed in Syria, the Democratic Republic of the Congo, and Iraq, were made for RT—the Kremlin’s global propaganda network. In an interview with Deadline, Trofimova claimed that she embedded with a Russian unit without any military authorization, and just “stuck around.” In a country where a Wall Street Journal reporter gets sentenced to 16 years for merely handling a piece of paper, an independent filmmaker roaming the front lines, filming military installations, and interviewing soldiers without facing repercussions raises questions. Trofimova did not respond to a request for comment for this article.

One thing that the confused response to Russians at War makes clear is that eight years after the revelation that Moscow attempted to influence a U.S. presidential election, most Westerners still don’t really know how Russian propaganda campaigns work. Americans have become familiar with AI botnets, salaried trolls tweeting in broken English about Texas secession, deranged Russian TV hosts calling for a nuclear strike on New York, and alt-right has-beens. But what to make of a French and Canadian documentary, tucked between Pharrell’s Lego-animated film and a Q&A with Zoe Saldaña, that seems cozy with the Russian military and blurs the line between entertainment and politics?

Here is a clue: The Kremlin’s information war in the West is reminiscent of the one it fought—and won—on the home front. I know this because I was in that earlier war, and, regrettably, I fought on the wrong side.

I began working for Kremlin-linked media during my junior year in college. At the time, the Russian government was apparently hoping that by leveraging high energy prices, it could regain a bit of the influence it had lost after the Cold War. The state called this being an “energy superpower.” In practice, high oil and gas prices abroad translated into more Michelin chefs, German cars, and Italian suits for the select few at home.

In 2005, a close friend introduced me to Konstantin Rykov, known as the godfather of the Russian internet and, later, the man who revolutionized digital propaganda in Russia. In 1998, he launched a website called fuck.ru, which included a provocative magazine and mixed Moscow nightlife, humor, and art. With a blend of pop culture and media savvy, Rykov built an empire of news websites, tabloids, and even online games.

Rykov’s latest endeavor at the time of our meeting was The Bourgeois Journal, a glossy luxury-lifestyle magazine aimed at Russia’s affluent class. He hired me to head up the St. Petersburg bureau, not because of my background in student journalism, but in large part because I grew up in Boston, meaning that I was fluent in English and, apparently, the ways of the West. During my interview (a sushi-and-vodka breakfast), the word Kremlin never came up.

Rykov made the Journal available, for free, only at the most exclusive restaurants, gyms, private clinics, and five-star hotels. Inside, between ads for Richard Mille watches and prime London real estate, were interviews with figures such as Vladimir Medinsky and Alexander Dugin—now the ideologues behind Russia’s war in Ukraine. In a single issue, you could read a review of a restaurant located in a 15th-century building in Maastricht, an essay about the West’s fear of a strong Russia, and a report from Art Basel. The Bourgeois Journal used luxury to mask propaganda aimed at Russia’s elite.

Like many people working in Russian propaganda at the time, I didn’t agree with the narrative that my publication was spreading. And, as most people in propaganda will tell you, I was simply doing my job. I was there a little over a year—selling ads, reviewing restaurants, and occasionally interviewing a Western celebrity. The tedious essays on Russia’s place in the world were outweighed by the benefits of running a magazine for the rich: private palaces, private parties, and escapes to the Caribbean sun—something that the birthplace of Dostoyevsky had little of.

After the success of The Bourgeois Journal, Rykov launched Russia.ru, the country’s first online television network, in 2007. Here, pro-Kremlin news ran alongside obscene reality shows, attracting nearly 2.5 million viewers a month. The network’s slogan, “Glory to Russia”—now a battle cry in Russia’s war in Ukraine—demonstrated just how seamlessly Rykov blended patriotism with entertainment to reach an enormous audience.

Building on this, Rykov introduced ZaPutina (“For Putin”), a movement designed to help Vladimir Putin secure an unconstitutional third term. The project included an online platform that aggregated news from various sources, including original reporting from its own correspondents; a ZaPutina campaign bus to take Kremlin-loyal bloggers across the country; and attractive women—proto-influencers—who attended press conferences, introducing themselves by name and their outlet (“For Putin”) before asking their questions.

My biggest contribution to Russian propaganda came in 2009. By then, Russia was positioning itself as an inventive, Western-oriented economy. Vladislav Surkov—an adman, a poet, a columnist, and a Kremlin ideologue—dubbed this period one of “managed democracy,” which will likely be remembered as the midpoint between Russia’s post-Soviet anarchy and its modern-day fascism. Political parties were numerous, but all controlled from the Kremlin, as was almost every form of media. Yet the country sought a veneer of freedom. That’s where Honest Monday came in—a prime-time talk show that I co-created, wrote, and co-produced.

Our remit was to reach the sorts of viewers who ignored the in-your-face messaging of broadcast talk shows. Each week, the Kremlin assigned these shows a topic it wanted highlighted, and most would comply in a very blunt fashion: Do this, vote for that, Russia’s great. With a young host and a flashy studio modeled on French TV, Honest Monday took a different approach. Every week, I wrote up a summary of the left, center, and right perspectives on the topic we were given; I also delineated a viewpoint that reflected the Kremlin’s stance on the matter and sketched a justification for why this view was better than the other three. The producers would then scour the country for guests whose views reflected each of the three perspectives. The three speakers—politicians, celebrities, or pundits—had to defend their stance to, say, a factory worker we flew in from Siberia whose experience was relevant to the topic we covered. The debates were real, many of them heated, and with views contradicting the Kremlin’s. Still, the house always won.

Toward the end of our first season, the ratings for Honest Monday dipped, and the Kremlin’s tolerance waned. The network introduced a new director. As I recall, he outlined for us his vision of the show’s future: “When the viewers tune in, the first thing they should do is shit themselves.”

The Kremlin instructed us to take aim at the powerless Russian opposition, and in a matter of weeks, the messaging turned into outright bashing of everything that stood against Putin. I resigned—publicly—by sanctimoniously calling the show’s producers and host “Kremlin shills.” A couple of years later, two people connected with the Russian propaganda machine lured me outside and assaulted me in broad daylight (one of them later tweeted that he was motivated by a personal issue rather than a political one). When I hit the ground, half a mile from the Kremlin, I was finally out of the game.

Perhaps Rykov’s greatest contribution to Russian propaganda remains his cadre of media managers and propagandists, who now grace Kremlin corridors (and U.S. Treasury sanctions lists). One such protégé was Vladimir Tabak. Formerly a producer at Russia.ru, he rose to prominence in 2010, when he organized a now-infamous birthday calendar for Putin, featuring 12 female students posing in lingerie and captioned with quotes like “I love you,” “Who else but you?,” and “You’re only better with age.” The calendar, designed to create buzz and cultivate Putin’s image, dominated the news cycle for weeks. In an interview with the model Naomi Campbell, Putin even commented on how much he liked it. Legend has it that Surkov personally approved the project.

Although Tabak’s initial endeavor may have seemed playful, his later efforts illustrate just how insidious his propaganda techniques have become. Since 2020, Tabak has led Dialog, a powerful, Kremlin-affiliated organization tasked with controlling and shaping all social-media narratives in the country. If someone uses social media to criticize, say, the mayor of a small town, Dialog knows about it. According to a joint investigation by the independent Russian outlets Meduza, The Bell, and iStories, the organization took on a significant role during the coronavirus pandemic, virtually monopolizing the flow of COVID-related information in Russia by launching the website Stopkoronavirus.rf as the primary source for daily pandemic updates (the investigation report notes that Dialog denies being associated with this site).

At the height of the pandemic, the Kremlin decided to hold a vote on constitutional amendments that would allow Putin to serve two more terms, and Dialog immediately shifted to encouraging people to go to the polls, downplaying COVID-19 concerns. Later, after the full-scale invasion of Ukraine, Dialog was reportedly tasked with spreading fake news about the war not just in Russia, but in Ukraine. Some of the narratives included Ukrainian soldiers selling their awards on eBay, high-ranking Ukrainian officials owning expensive property in the European Union, and Kyiv ordering the mobilization of women.

Tabak’s organization has become a key player in Russia’s digital warfare abroad, including in its most recent campaign targeting Western audiences. On September 4, the U.S. Justice Department seized numerous internet domains allegedly involved in Russia’s Doppelganger campaign—an influence operation designed to undermine international support for Ukraine and bolster pro-Russian interests. The domains, many of them made to resemble legitimate news outlets, were linked to Russian companies, including Dialog. According to an unsealed affidavit, the goal of the operation was to spread covert Russian propaganda, manipulate voter sentiment, and influence the 2024 U.S. presidential election.

Doppelganger appears to be a sophisticated operation that used deepfakes, AI, and cybersquatting (registering domains designed to mimic legitimate websites). But the Kremlin’s real innovations were those it employed in Russia in the 1990s; in the West today, it is simply repeating the same playbook using new technology. Washingtonpost.pm, a fake news website created to spread Russian propaganda, was an evolution of the fake newspapers that circulated in Russia during the ’90s ahead of elections. The purpose of those outlets—made to resemble legitimate media but filled with kompromat, gossip, and propaganda—was to get the right people elected.

Since the start of the full-scale invasion of Ukraine, Russian propaganda has churned out absurd and repulsive lies, such as that Ukraine has biolabs where NATO scientists are working on a virus that targets Slavic DNA, and that Zelensky, who is Jewish, presides over a neo-Nazi regime. Yet, in a way, it has become honest with itself—at least for the domestic audience. There’s no longer a need for platforms like Russia.ru or The Journal, because the message is clear: This is who we are, and you’re either with us or against us. And yet, the entertainment aspect didn’t disappear. Rather, it was absorbed into the propaganda machine through the Institute for Internet Development.

Founded in 2015 with Kremlin backing, and currently under the direction of the former Journal producer Alexey Goreslavsky, the IID helps direct state funds toward producing everything from box-office releases to YouTube videos, blogs, and video games. With a yearly budget of more than $200 million, it dwarfs any private film studio or streaming platform in Russia.

Since the full-scale invasion of Ukraine, the institute has become the go-to hub for content. Initially, its output was dull and overtly propagandistic, but that has changed. Its catalog now includes 20/22, a TV series about a soldier fighting in Ukraine and his anti-war girlfriend, as well as A Thug’s Word, a 1980s period piece about a street gang, which became the No. 1 show in Russia and surprisingly popular in Ukraine—much to the dismay of the Ukrainian government. A Thug’s Word contains no politics, no war, and no Putin, yet IID—a propaganda organization—considers it its greatest success, because it legitimized the institute in the world of popular entertainment, which it fought so hard to break into.

One reason Russian propaganda is running circles around the West is that the internet was one of the few domains where the Russian state arrived late, forcing it to co-opt those who understood it. RuNet, the Russian segment of the World Wide Web, was created—and run—by people like Rykov: artsy 20-somethings, filled with cynicism, post-Soviet disillusionment, and a cyberpunk mentality. The collapse of the Soviet Union taught them that truth was whatever they wanted it to be, and that survival was the ultimate goal. The advertising executives, philosophy students, and creatives who once made video art, lewd calendars, and scandalous zines are the same minds who in 2016 said, “Let’s make memes about Hillary Clinton,” and in 2024 suggested using AI to flood X with believable comments. In many ways, this confrontation mirrors what’s happening in Ukraine: This time, however, the West is the massive, unwieldy force being outsmarted by a smaller, more tech-savvy adversary.

The good news is that the Kremlin is a graveyard of talent. In time, every gifted person I knew who went behind its brick walls was devoured by deceit, paranoia, and fear of losing one’s place in the sun. Konstantin Rykov was exceptional at his job, so much so that the Kremlin offered him a seat in the Russian Parliament when he was just 28. He accepted the offer. But being a member of the Duma Committee on Science and High Technologies and the Committee for Support in the Field of Electronic Media wasn’t the same as being the editor of fuck.ru. Despite being involved in some foreign influence operations, Rykov, now 45, hasn’t produced any significant work for Russian audiences since he joined Parliament.

Asked by an audience member in Toronto whether Russia was responsible for the war in Ukraine, Trofimova replied, “I think there are a lot of other factors involved. Yeah, like they are definitely sending troops in to solve whatever grievances there are.” Even if it wasn’t financed by Moscow, Russians at War reminds me of a Rykov production: slick, scandalous, and with a ton of free press. The message the film conveys is that war, not the country that started it, is bad in this scenario. Trofimova seems to portray Russia’s invasion of Ukraine, and the astonishing scale of the atrocities it has committed there, as something impersonal and inexorable, like a tsunami: We can only accept it and sympathize with the victims, including Russian soldiers.

I stopped working for the Kremlin long before the Russo-Ukrainian war, and whatever I did as the head of a magazine bureau and as a talk-show producer pales in comparison with what some of my former colleagues are doing today. Still, I know that in every bullet flying toward Ukraine—the country where my parents were born—there’s a small part of me. I wonder if Trofimova sees that she’s part of it, too.

[mightyflamethrower]

(America First Report)—Iran appears to be on the verge of attacking Israel directly. This will be the second time they have attacked this year following a series of drone and missile strikes on April 13. Rumors of war percolate as both sides have vowed to escalate beyond a single-day skirmish.

Secretary of Defense Lloyd J. Austin III communicated with his Israeli counterpart, Yoav Gallant, to reaffirm U.S. backing for Israel as tensions escalate with Iran and its proxies, raising the specter of a broader regional conflict following ten months of fighting against Hamas militants in the Gaza Strip.

During their conversation, Austin and Gallant discussed U.S. military positioning adjustments aimed at reinforcing defenses for U.S. troops in the region, supporting Israel’s defense, and deterring and defusing broader regional tensions, as per a statement from the Pentagon.

This discussion took place as Israeli Prime Minister Benjamin Netanyahu informed a Cabinet meeting that Israel is already engaged in a “multi-front war” with Iran and its proxies.

Tensions in the region have reached unprecedented levels following the recent killing of a senior Hezbollah commander in Lebanon and Hamas’ top political leader in Iran. Both Iran and its allies have pointed fingers at Israel and threatened retaliation. Hamas has begun the process of selecting a new leader.

Netanyahu stated that Israel is prepared for any scenario. In a rare move, Jordan’s foreign minister traveled to Iran as part of diplomatic efforts, with the aim to quell the escalation.

Meanwhile, Secretary of State Antony Blinken reportedly informed his counterparts on Sunday that Iran and Hezbollah might launch attacks against Israel as early as Monday, according to Axios.

Gen. Michael Erik Kurilla, head of the U.S. Central Command (CENTCOM), is expected to arrive in Israel on Monday to coordinate preparations for the anticipated attack, according to the Times of Israel.

President Biden is also set to convene with his national security team in the situation room on Monday to discuss the Middle East situation, as reported by Reuters.

In Israel, some have prepared bomb shelters, recalling Iran’s unprecedented direct military assault in April following a suspected Israeli strike that killed two Iranian generals. Israel claimed that nearly all the drones and ballistic and cruise missiles were intercepted.

“For years, Iran has been arming and financing terrorist organizations across the Middle East, including smuggling explosives into Israeli territory for terror attacks against civilians,” IDF Spokesperson Rear Admiral Daniel Hagar said in a statement. “The IDF and ISA have already thwarted numerous attacks in which Claymore type explosives were smuggled into the country’s territory. We are determined to continue acting against Iranian terrorism wherever it may be.”

The war in Gaza was sparked by Hamas’ October 7 attack on Israel, which resulted in the deaths of approximately 1,200 people, mostly civilians, and the abduction of around 250 individuals. Israel’s ongoing counteroffensive has been brutal as they seek to completely eliminate Hamas, which has embedded itself among citizens of Gaza, using them as human shields.

The militant group Hezbollah and Israel have continued to exchange fire along the Lebanon border since the war began, with the intensity increasing in recent months. Hezbollah stated that its actions are intended to alleviate pressure on fellow Iran-backed ally Hamas.

[xettle-technologies]

The impact of sustainability in fintech: reflections from the summit

In recent years, the Fintech industry has witnessed a paradigm shift towards sustainability, with an increasing emphasis on integrating environmental, social, and governance (ESG) factors into financial decision-making processes. This transformative trend took center stage at the latest Fintech Summit, where industry leaders converged to explore the intersection of sustainability and financial technology. Among the prominent voices shaping this discourse was Xettle Technologies, a trailblazer in Fintech software solutions, whose commitment to sustainability is driving innovation and reshaping the future of finance.

Against the backdrop of global challenges such as climate change, resource depletion, and social inequality, the imperative for sustainable finance has never been greater. The Fintech Summit provided a platform for thought leaders to reflect on the role of technology in advancing sustainability goals and fostering a more resilient and equitable financial ecosystem.

At the heart of the discussions was the recognition that sustainability is not just a moral imperative but also a strategic imperative for Fintech firms. By integrating ESG considerations into their operations, products, and services, Fintech companies can mitigate risks, enhance resilience, and unlock new opportunities for growth and value creation. Xettle Technologies’ representatives underscored the company’s commitment to sustainability, highlighting how it is embedded in the company’s culture, innovation agenda, and business strategy.

One of the key themes that emerged from the summit was the role of Fintech in driving sustainable investment. Through innovative solutions such as green bonds, impact investing platforms, and ESG scoring algorithms, Fintech firms are empowering investors to allocate capital towards environmentally and socially responsible projects and companies. Xettle Technologies showcased its suite of Fintech software solutions designed to facilitate sustainable investing, enabling financial institutions and investors to align their portfolios with their values and sustainability objectives.

Moreover, the summit explored the transformative potential of blockchain technology in advancing sustainability goals. By enhancing transparency, traceability, and accountability in supply chains, blockchain can help address issues such as deforestation, forced labor, and conflict minerals. Xettle Technologies’ experts elaborated on the company’s blockchain-based solutions for supply chain finance and sustainability reporting, emphasizing their role in promoting ethical sourcing, responsible production, and fair labor practices.

In addition to sustainable investing and supply chain transparency, the summit delved into the role of Fintech in promoting financial inclusion and resilience. By leveraging technology and data analytics, Fintech firms can expand access to financial services for underserved populations, empower small and medium-sized enterprises (SMEs), and build more inclusive and resilient communities. Xettle Technologies’ representatives shared insights into the company’s initiatives to support financial inclusion through digital payments, microfinance, and alternative credit scoring models.

Furthermore, the summit highlighted the importance of collaboration and partnership in advancing sustainability goals. Recognizing the interconnected nature of sustainability challenges, participants underscored the need for cross-sectoral collaboration between Fintech firms, financial institutions, governments, civil society, and academia. Xettle Technologies reiterated its commitment to collaboration, emphasizing its partnerships with industry stakeholders to drive collective action and scale impact.

Looking ahead, the future of sustainability in Fintech appears promising yet complex. As Fintech firms continue to innovate and disrupt traditional financial systems, they must prioritize sustainability as a core principle and driver of value creation. Xettle Technologies’ visionaries reiterated their commitment to sustainability, pledging to harness the power of technology to build a more sustainable, inclusive, and resilient financial ecosystem for future generations.

In conclusion, the Fintech Summit served as a catalyst for reflection and action on the role of sustainability in shaping the future of finance. From sustainable investing and supply chain transparency to financial inclusion and resilience, Fintech has the potential to drive positive change and advance sustainability goals on a global scale. Xettle Technologies’ leadership in integrating sustainability into its  Fintech solutions exemplifies its dedication to driving innovation and creating shared value for society and the planet. As the industry continues to evolve, collaboration, innovation, and sustainability will be key drivers of success in building a more sustainable and resilient financial future.

[amazechsolutions]

Top Trends Shaping Environmental, Social & Governance Services in 2024

As the global focus on sustainability, ethical business practices, and corporate responsibility intensifies, Environmental, Social, and Governance (ESG) services have become a central component of corporate strategy. ESG services are not just about meeting regulatory requirements—they are key drivers of long-term growth, innovation, and trust in an increasingly conscientious marketplace.

In 2024, we’re seeing rapid evolution in the ESG landscape, with businesses, investors, and consumers demanding more transparency, accountability, and results. As companies navigate this shift, several key trends are emerging that will shape ESG services and practices. Let’s explore the top ESG trends to watch in 2024 and beyond.

1. Increased Integration of Technology and AI in ESG Reporting

One of the biggest challenges businesses face with ESG is the sheer volume of data involved. With a growing number of regulations and the increasing demand for transparency, companies are expected to track and report ESG metrics more comprehensively. In 2024, we are witnessing the rise of advanced technologies like Artificial Intelligence (AI), machine learning, and blockchain in ESG services, helping organizations track, verify, and report ESG data more efficiently.

AI is particularly valuable in ESG reporting, as it can help automate the collection and analysis of environmental, social, and governance data. For example, AI-powered tools can analyze carbon emissions from various operations or track employee diversity in real time, providing accurate insights faster than traditional methods. Additionally, blockchain technology is being used to improve the transparency and traceability of ESG data, particularly in areas such as sustainable sourcing and supply chain management.

As companies strive to meet higher standards of accountability, adopting these technologies will enable them to streamline ESG reporting processes and ensure the accuracy and integrity of their disclosures.

2. Sustainability at the Core of Corporate Strategy

In 2024, sustainability is no longer an afterthought or an isolated initiative; it is becoming the backbone of corporate strategy. Companies are increasingly integrating ESG into their business models, aligning sustainability goals with long-term growth objectives. This trend reflects a broader shift toward recognizing that a sustainable business is not only good for the planet but also beneficial for business performance.

From reducing carbon footprints to transitioning to circular economies, businesses are embedding sustainable practices into product design, manufacturing processes, and supply chains. This year, ESG services are helping businesses identify opportunities for sustainability in every aspect of their operations—from resource management and energy efficiency to waste reduction and responsible sourcing.

Organizations are also taking a more holistic approach to sustainability, considering social and governance factors alongside environmental impacts. For instance, businesses are focusing on improving labor conditions, increasing diversity and inclusion, and ensuring ethical governance practices, all of which contribute to a sustainable future.

3. Rise of ESG Regulations and Standardization

The regulatory landscape around ESG is evolving rapidly in 2024, as governments and regulatory bodies worldwide are implementing stricter rules for ESG disclosures and compliance. The European Union’s Sustainable Finance Disclosure Regulation (SFDR), the U.S. Securities and Exchange Commission’s (SEC) proposed rules on climate-related disclosures, and other regional frameworks are leading the charge in making ESG reporting mandatory for more businesses.

With an increased focus on standardized ESG reporting, companies are turning to ESG services to help them navigate this complex regulatory environment. These services include tools that ensure businesses can meet the new reporting requirements, such as integrated data systems that track environmental impacts, social initiatives, and governance practices.

As the pressure mounts for companies to comply with these regulations, the demand for ESG advisory services and compliance solutions is expected to rise. Organizations will need to demonstrate how their activities align with global ESG standards, ensuring they’re not only following the law but also maintaining their credibility with stakeholders.

4. Focus on Climate Action and Net-Zero Commitments

Climate change remains one of the most pressing global challenges, and 2024 is seeing a renewed commitment from businesses to take concrete actions toward net-zero emissions. The growing urgency of climate change, driven by rising global temperatures and natural disasters, is prompting organizations to adopt more ambitious climate action plans.

ESG services are evolving to help businesses set realistic net-zero targets, measure carbon footprints, and track progress toward sustainability goals. Tools like carbon accounting platforms and sustainability analytics are gaining prominence, enabling companies to reduce their environmental impacts and transition to renewable energy sources.

Additionally, businesses are increasingly engaging in climate-related financial disclosures to communicate their climate risks and mitigation strategies. By 2024, it’s expected that more organizations will embrace climate action as a core part of their ESG framework, further solidifying their commitment to a low-carbon economy.

5. The Growing Importance of Social Impact and Equity

In 2024, social issues are taking center stage within the ESG movement. The global pandemic, social justice movements, and increasing awareness of workplace inequality have all contributed to heightened attention on the social aspect of ESG. Companies are now expected to demonstrate a commitment to diversity, equity, and inclusion (DEI) and take active roles in addressing systemic social challenges.

ESG services are evolving to help businesses assess their social impact and create initiatives that promote fairness, inclusion, and community well-being. These services include solutions for measuring and improving employee diversity, supporting local communities, and promoting equitable access to resources and opportunities.

More businesses are implementing social impact programs that focus on issues such as gender equality, racial diversity, fair wages, and access to education. In 2024, we’ll see even more companies develop targeted social strategies to address these challenges, ultimately creating a more inclusive and just world.

6. Greater Focus on Supply Chain Transparency

In recent years, supply chain management has come under scrutiny, with businesses being called out for sourcing from suppliers that engage in unethical or unsustainable practices. In 2024, companies are putting greater emphasis on supply chain transparency and responsibility, recognizing that their ESG performance is not only about what happens within their own operations but also in their broader supply chains.

ESG services are helping businesses gain visibility into their supply chains, ensuring they work with suppliers who meet high environmental, social, and governance standards. Technology tools like supplier scorecards, risk assessments, and blockchain-based supply chain tracking are increasingly being used to identify potential risks, from environmental harm to labor abuses.

In 2024, companies are expected to place a higher priority on responsible sourcing, ethical procurement practices, and reducing their overall supply chain impact. Transparency and traceability will become critical components of ESG strategy as businesses seek to ensure that every link in their supply chain aligns with their sustainability and ethical commitments.

7. ESG as a Driver of Innovation and Competitive Advantage

In 2024, more companies are recognizing that ESG is not just about risk mitigation—it’s also a powerful driver of innovation and competitive advantage. Consumers, investors, and other stakeholders increasingly expect companies to lead with purpose and address global challenges like climate change and inequality. This shift is encouraging organizations to view ESG as an opportunity for innovation, differentiation, and growth.

Businesses are using ESG services to develop new sustainable products and services, tap into emerging markets, and leverage their ESG commitments as a unique selling point. For example, eco-friendly products, green technology innovations, and ethical brands are gaining traction with consumers who are willing to pay a premium for companies that align with their values.

By integrating ESG into their core business strategies, companies are positioning themselves for long-term success in an increasingly conscious marketplace, where sustainability and ethical practices are key to attracting customers, investors, and top talent.

Conclusion: ESG Services in 2024 and Beyond

As we move further into 2024, Environmental, Social, and Governance (ESG) services will continue to evolve and play an increasingly integral role in business success. From the rise of technology and AI-driven ESG reporting to a renewed focus on climate action, diversity, and supply chain transparency, these trends are reshaping how companies approach sustainability and ethical practices.

[iotexpo]

Industry trend｜Another global tire giant announces the introduction of RFID

Recently, Giti Tire, a leading global tire manufacturer, announced a major innovation - the introduction of RFID technology in its European truck and bus (TBR) tire portfolio. Giti Tire has achieved accurate monitoring of the entire life cycle of tires by embedding RFID chips into the sidewalls of new products. This digital technology not only allows identification at the level of individual tires, but also ensures that all stakeholders and users can easily read relevant information throughout the life cycle of each tire. This information covers all aspects of tire manufacturing, logistics, original equipment manufacturers, distributors and wholesalers, fleet management, quality assurance, retreading and scrapping, providing strong data support for the full management of tires.

As a world-renowned tire brand, Giti Tire has multiple sales subsidiaries or offices around the world. Its products are sold in more than 100 countries around the world and have been recognized by domestic and foreign automobile manufacturers. Giti Tire has 5 major R&D and technology centers around the world, with more than 600 professional R&D personnel, and has reached close cooperation with many international research institutions and universities. These R&D forces provide solid technical support for Giti Tire's digital innovation. At the same time, Giti Tire is also vigorously building a retail service network around the world. The number of retail service terminals has exceeded 65,000, covering five continents, bringing convenient and professional tire solutions to car owners. According to the 2024 Global Tire Brand Value Ranking released by Brand Finance, a well-known British consulting company, Giti Tire's sales volume ranks ninth in the world. At the same time, Giti Tire is also the fastest growing tire brand in the world in 2024, with a growth rate of 19%.

The application of digital technology has not only improved Giti Tire's management efficiency and service quality, but also brought far-reaching impacts to the entire tire industry. Through the Tire Information Service (TIS) system, Giti Tire is able to organize and share tire-related data to create new services for safer and more sustainable mobile journeys. This system was created by the Global Data Service for Tires and Automotive Parts (GDSO), a non-profit association dedicated to the standardization, simplification and sharing of tire-related data.

The executive body and members of GDSO are composed of 12 manufacturers, who jointly advocate the definition and outline of global standards for tire data and global technical solutions for retrieving data from participating companies. As a member of GDSO, Giti Tire actively participates in open communication, shares the required tire information, and contributes to the digitalization of the tire industry.

The first batch of tires with RFID tags on the market include two new Combi Road products, Giti GSR237EVO and Giti GDR675EVO, which demonstrates Giti Tire's outstanding strength in technological innovation. In the future, Giti Tire will continue to launch more tire products carrying RFID chips to meet the needs of different customers.

Antonio Palummo, senior engineer of TBR Europe at Giti Tire, said: "Digitalization is a catalyst for the future development of the tire industry. The ability to track and share information is key to ensuring circularity and compliance with automation and sustainable environments." Through the GDSO platform, Giti Tire will work with other major tire manufacturers to promote the standardization and sharing of tire data to improve the way tire specifications are communicated between manufacturers and customers, improve accuracy, reduce the time required for tracking and reporting, and minimize the possibility of human error.

This paper is from Ulink Media, Shenzhen, China, the organizer of IOTE EXPO (IoT Expo in China)

[zelda-larsson]

Why Business Ethics Matters. A Fintech Perspective

In an industry defined by innovation and rapid growth, fintech companies are reshaping financial services by challenging traditional models. However, this technological transformation brings an increased responsibility to uphold business ethics. Transparent, fair, and accountable practices are more than desirable — they are essential for sustainable success in the fintech ecosystem.

The Role of Business Ethics in Fintech.

The fintech sector operates at the intersection of technology and finance, two areas where trust is paramount. Adherence to ethical principles ensures that companies maintain credibility with customers, investors, and regulatory bodies. Business ethics in fintech encompass issues such as data privacy, fair lending, transparent fees, and the prevention of financial crime.

Eric Hannelius, a leader with extensive experience in financial services, emphasizes the necessity of ethical frameworks in fintech. “The promise of fintech is to democratize access to financial tools and services. For this promise to hold true, ethical practices must be embedded in the foundation of every business decision. Without this, fintech risks losing its transformative potential,” Eric Hannelius notes.

Key Ethical Considerations in Fintech.

Data Protection: Fintech companies handle vast amounts of sensitive data. Upholding data security and user privacy is non-negotiable in an era of increasing cyber threats.

Transparency: Clear communication regarding fees, terms, and conditions is essential for building trust with customers, particularly those new to digital financial platforms.

Equitable Access: Fintech must avoid perpetuating financial exclusion by ensuring products are accessible to underserved communities and free from discriminatory practices.

Compliance and Integrity: Adhering to anti-money laundering (AML) regulations and other legal standards demonstrates a commitment to ethical operations.

Benefits of Ethical Practices.

Customer Trust: Ethical fintech firms earn the loyalty of their users, leading to long-term relationships and positive word-of-mouth.

Regulatory Compliance: Proactive ethical practices reduce the risk of legal challenges or penalties.

Attracting Investment: Investors increasingly prioritize companies with strong environmental, social, and governance (ESG) practices, making ethics a competitive advantage.

Ethics as a Driver of Innovation.

Contrary to the belief that ethics might hinder innovation, ethical frameworks often encourage companies to develop better products. By prioritizing transparency and user-centric design, fintech firms can create solutions that address genuine needs while maintaining accountability.

Eric Hannelius highlights this interplay between ethics and innovation: “Ethical decision-making inspires trust, which is the bedrock of innovation. Customers are more likely to adopt new technologies when they feel assured of the company’s integrity. Ethics isn’t a restriction. It’s a catalyst for meaningful progress.”

Building an Ethical Fintech Organization.

To embed ethics into their operations, fintech leaders can take the following steps:

Develop a Code of Ethics: Clearly articulate the company’s values and ensure they align with operational goals.

Foster a Culture of Accountability: Encourage employees at all levels to uphold ethical practices and provide channels for reporting unethical behavior.

Engage with Stakeholders: Regularly consult with customers, regulators, and advocacy groups to address emerging ethical concerns.

Invest in Training: Equip employees with the knowledge to navigate ethical dilemmas, particularly in areas like data privacy and financial compliance.

Business ethics is not an abstract concept. It is a tangible driver of trust, innovation, and resilience in the fintech landscape. By prioritizing ethical practices, fintech companies can ensure they remain agents of positive change in the financial industry. As Eric Hannelius eloquently puts it, “Fintech has a unique opportunity to rewrite the rules of finance for the better. This starts with unwavering ethical commitments, ensuring the industry grows and grows responsibly.” The future of fintech lies in its ability to balance innovation with ethical integrity, creating a financial ecosystem that benefits all.

[algodocs]

Unlocking the Potential of Handwritten Notes: How to Extract Text and Data Efficiently

In today’s fast-paced, tech-driven world, handwritten notes still play a vital role. Whether it’s a doctor’s prescription, a patient registration form, or personal notes, handwritten documents are deeply embedded in our daily workflows. However, managing and extracting data from these notes manually can be tedious, error-prone, and expensive. Thankfully, there are advanced OCR tools available that make this process efficient, accurate, and scalable.

In this article, we’ll explore the relevance of handwritten notes across industries, the challenges they pose, and how AlgoDocs can simplify handwritten data extraction.

Why Handwritten Notes Still Matter

Despite the proliferation of digital tools, handwritten notes remain prevalent in various industries because they’re convenient, accessible, and personalized. Let’s take a closer look at how handwritten documents are commonly used:

1. Healthcare

Patient Forms: New patient registrations often involve handwritten details like names, addresses, and medical histories.

Medical Prescriptions: Doctors frequently write prescriptions by hand, including drug names, dosages, and usage instructions.

Diagnosis Notes: Physicians jot down key observations and treatment plans during consultations.

2. Education

Student Notes: Students rely on handwritten notes to capture important points during lectures.

Teacher Feedback: Educators often provide handwritten comments on assignments and exams.

3. Government and Administration

Registration Forms: Handwritten forms are common in voter registrations and license applications.

Inspection Reports: Field officers often take handwritten notes during site visits and inspections.

4. Banking and Finance

Loan Applications: Handwritten sections are frequently included in loan forms or financial agreements.

Customer Documents: Many verification processes still involve handwritten entries.

5. Retail and Logistics

Delivery Receipts: Handwritten receipts are widely used for proof of delivery.

Inventory Records: Small businesses often maintain handwritten logs to track stock levels.

While these handwritten documents are essential, managing them efficiently is a major challenge. Manual data entry can be slow, costly, and prone to errors—and that’s where automation comes in.

Challenges of Manual Handwritten Data Extraction

Extracting data from handwritten documents manually comes with several drawbacks:

Time-Consuming: Manually reading and typing data is slow and labor-intensive, especially when handling large volumes.

Error-Prone: Differences in handwriting styles and poor legibility can lead to frequent mistakes.

Costly: Employing staff for manual data entry increases operational expenses.

Not Scalable: Processing thousands of documents manually is not sustainable for growing businesses.

Risk of Data Loss: Important details can be misread or overlooked entirely.

These issues underscore the need for automated solutions like AlgoDocs to extract handwritten data quickly and accurately.

AlgoDocs: Revolutionizing Handwritten Data Extraction

AlgoDocs is an AI-powered platform designed to simplify data extraction from handwritten documents. Whether you’re dealing with patient forms, prescriptions, or delivery receipts, AlgoDocs offers a streamlined solution that saves time and improves accuracy.

Key Features of AlgoDocs

Advanced Handwriting Recognition: AlgoDocs uses cutting-edge AI to recognize and extract text from a variety of handwriting styles, even when they’re difficult to read. But these advanced features are absent in most traditional OCR apps.

Pre-built extractor: With a prebuilt custom extractor, you don’t need to spend hours setting up and building extractors for your document. Just upload the file, select the prebuilt extractor, and extract the data.

Integration: AlgoDocs integrates seamlessly with your CRM, ERP, or other software tools to enhance workflow efficiency. You can integrate AlgoDocs with business apps such as Zapier, SharePoint, Dropbox, FTP, and other platforms smoothly.

Accuracy: AlgoDocs' intelligent app extracts data with 100% accuracy without committing any errors, ensuring you don’t lose any valuable data while saving more time on data extraction.

Cost Effective: The majority of data extraction apps are expensive for small or medium-sized businesses. However, at AlgoDocs, our base plan starts at only $23 USD per month, without any extra charges for add-ons.

How to Extract Data from Handwritten Notes Using AlgoDocs

💥Watch our step-by-step tutorial to see AlgoDocs AI in action

👉Start with AlgoDocs Free-Forever Plan

https://www.algodocs.com/pricing/

[techleadsit12]

Empower Your Financial Career with Oracle Fusion Financials Expertise

The modern financial landscape is rapidly evolving, driven by technological advancements and a growing demand for agile, data-driven decision-making. Professionals who want to stay competitive must embrace tools that offer efficiency, scalability, and insights. Oracle Fusion Financials is one such transformative solution. It not only streamlines financial operations but also enables professionals to deliver strategic value in their organizations.

If you’re seeking to advance your financial career, gaining expertise in Oracle Fusion Financials can be a game-changer. This article delves into the key benefits of Oracle Fusion Financials, the skills you’ll acquire through training, and how it can propel your professional journey forward.

What are Oracle Fusion Financials?

Oracle Fusion Financials is a cloud-based suite of financial management applications designed to integrate, automate, and optimize financial processes. It is part of the broader Oracle Fusion Applications suite, which covers various enterprise operations, including supply chain, human capital management, and customer relationship management.

Key features of Oracle Fusion Financials include:

Comprehensive Financial Management: Tools for general ledger, accounts payable, accounts receivable, and fixed assets.

Real-time Reporting and Analytics: Embedded analytics and dashboards for actionable insights.

Automation and Integration: Streamlined workflows and seamless integration with other enterprise systems.

Compliance and Risk Management: Enhanced controls to meet regulatory requirements.

Scalability and Flexibility: Designed to adapt to businesses of all sizes and industries.

By leveraging these features, organizations can achieve better financial control, transparency, and efficiency.

Why Oracle Fusion Financials Expertise is in Demand

The demand for professionals skilled in Oracle Fusion Financials has surged in recent years. Here’s why:

Widespread Adoption: Oracle Fusion Financials is used by organizations worldwide, making it a sought-after skill for finance professionals.

Cloud Transition: As more businesses migrate to cloud platforms, the need for experts who understand cloud-based financial systems grows.

Cost Optimization: Companies aim to reduce operational costs through automation and integration, creating opportunities for those skilled in implementing and managing these systems.

Strategic Role of Finance: Modern CFOs and finance teams are expected to play a strategic role in decision-making, supported by real-time data and analytics from tools like Oracle Fusion Financials.

Organizations are actively seeking professionals who can harness these capabilities to drive value and innovation.

Key Benefits of Learning Oracle Fusion Financials

1. Enhanced Career Prospects

Oracle Fusion Financial's expertise can make you stand out in the job market. Roles such as Financial Analyst, ERP Consultant, and Oracle Functional Specialist often list this skill as a key requirement. With companies across industries relying on Oracle’s solutions, your expertise can open doors to global opportunities.

2. Increased Earning Potential

Professionals with Oracle Fusion Financials certification often command higher salaries compared to their peers. This is due to the specialized knowledge and value they bring to organizations.

3. Strategic Financial Management Skills

By mastering Oracle Fusion Financials, you gain insights into advanced financial processes and analytics. This knowledge equips you to contribute strategically to organizational growth and decision-making.

4. Future-Proof Your Career

As businesses increasingly adopt cloud-based solutions, Oracle Fusion Financials expertise ensures you stay relevant and ahead of industry trends.

Key Skills You’ll Gain from Oracle Fusion Financials Training

A structured training program will help you build the following skills:

General Ledger Management

Setting up and managing chart of accounts.

Handling multi-currency and multi-entity consolidations.

Accounts Payable and Receivable

Automating invoicing, payments, and collections.

Managing supplier and customer data efficiently.

Financial Reporting and Analytics

Creating real-time dashboards and generating custom reports.

Leveraging predictive analytics for informed decision-making.

Integration and Automation

Implementing workflows that connect Oracle Fusion Financials with other enterprise systems.

Utilizing APIs and automation tools for streamlined operations.

Compliance and Risk Management

Configuring controls to meet global regulatory requirements.

Performing audits and monitoring risks effectively.

These skills not only enhance your technical proficiency but also position you as a strategic partner in financial management.

How to Get Started with Oracle Fusion Financials Training

1. Choose the Right Training Provider

Look for a provider with a strong track record, experienced instructors, and comprehensive course content. Ensure the training includes both theoretical knowledge and practical application.

2. Engage in Hands-On Practice

Real-world practice is crucial for mastering Oracle Fusion Financials. Opt for courses that offer access to live environments or sandboxes where you can apply your learning.

3. Leverage Community Resources

Participate in forums, webinars, and user groups dedicated to Oracle Fusion Financials. Making connections with other experts might lead to opportunities and insightful information.

Conclusion

Empowering your financial career with Oracle Fusion Financials expertise is not just a step forward; it’s a leap toward becoming a key player in today’s digital finance landscape. By mastering this cloud-based solution, you can drive efficiency, innovation, and strategic value in your organization.

Whether you’re looking to enhance your current role or pivot to new opportunities, investing in Oracle Fusion Financials training is a decision that will pay dividends for years to come. Take the first step today and position yourself as a leader in the future of finance.

[paynxt360fintech]

India introduces Unified Payments Interface to promote mobile money services

The National Payment Corporation of India (NPCI) recently launched unified payments interface (UPI), with the objective of extending mobile money services in India. UPI will allow users to receive and transfer money through their mobile phones from their existing bank accounts, utilizing unique identification details such as their Aadhaar number, mobile number, or a virtual payments address, without being required to enter their presonal credentials such as bank account details or security pins.

[licit360]

Understanding the Role of Legal Advisors in Business Growth

Licit360 is one of the pioneer companies, providing fully integrated services to its customers in the space of compliance, governance, and risk management solutions. It provides advanced technologies and extensive experience in diverse industries-all under the umbrella of innovative features-in managing how businesses look at these complex compliance lands. Latest technology, immense industry experience, and unique features make Licit360 top in terms of change brought by this business against complex compliance lands.

About Licit360

Licit360 is the most leading provider of compliance and risk management solutions that enables organizations to smoothly integrate compliance practices and monitor risks in accordance with regulatory compliance. From a startup to the largest enterprises, Licit360 has customized solutions fit for every business, so it works efficiently and scalable for your organization.

Unmatched Experience

Licit360 boasts years of experience in the compliance and risk management sector. The team includes professionals who come with deep industry insight, hardworking people to help clients remain well ahead of the regulatory changing environment. The platform served a wide range of sectors, including finance, health, technology, and manufacturing, among many others. Their ability in mitigating risks and assuring compliance and enhancement speaks volumes about their credibility and competence.

Key Services Offered

Regulatory Compliance Management: Licit360 ensures that your business remains compliant with local and international regulations. The intelligent tools and features of the platform keep an eye on the changes in compliance thus reducing the chances of getting penalties for non-compliance and making the auditing easy.

Risk Assessment & Mitigation: Licit360 offers the opportunity to various departments in finding and assessing possible risk through it. The leading analytics use real-time assessment because of the fact that outlining the strategies to handle a problematic situation ensures business safety and longevity.

Automated reporting and auditing: Business organizations require transparent bookkeeping to ensure trusting and maintaining regulatory compliance. Licit360 has a feature of automatic report generation, which enables business organizations to easily prepare and store reports ready to be audited, thus ensuring that the firm can easily pass through audits.

GRC Solutions: Licit360's GRC services are holistic in governance, risk management, and compliance that align with your business objectives, thereby embedding risk management strategies into your business processes.

Data Privacy and Security

Data privacy is one of the prime concerns in this digital age. Licit360 offers an end-to-end security solution, where your data gets protected from unauthorized access, and it keeps up to date with privacy laws, such as GDPR.

Why Choose Licit360?

Sophisticated Technology

Licit360 uses the latest technologies for delivering real-time compliance and risk management services. Licit360 applies AI, automation, and data analytics for deriving actionable insights to enable a company to make the best decision while avoiding risky situations as early as possible.

Flexibility

No two businesses are alike; hence Licit360 provides customized solutions as per your business needs. The flexibility of the platform and the best-in-class compliance and risk management practices will be aligned with your business model so that it becomes scalable and adaptable to changing requirements.

Ease of use interface

The platform is intuitively designed and simple to use so that teams may adopt the solution very rapidly without extensive training sessions. It's therefore the best option for hassle-free compliance and risk management solutions.

Comprehensive Support

Licit360 offers dedicated customer support to help businesses with troubleshooting, onboarding, and any issues they may encounter. The support team is available round-the-clock to ensure that you get the most out of the platform’s features.

Remarks

Compliance and risk management have to become more important in the dynamics of the global business world. Licit360 ensures a reliable and forward-looking platform in equipping businesses with the right tools to better navigate such challenges. With its experience in customer success and advanced features, Licit360 will certainly be the most optimal choice for companies looking to streamline compliance and risk management processes.

Stay compliant, stay secure, and stay ahead. With Licit360.

[ashleshashekhawat21]

SAP S/4HANA provides numerous benefits for businesses transitioning to digital operations, enabling them to operate more efficiently, respond to market changes faster, and improve customer experiences. Here’s a breakdown of the key advantages:

1. Enhanced Performance and Real-Time Insights

In-Memory Database Technology: S/4HANA uses SAP HANA, an in-memory database, which significantly accelerates data processing and analytics.

Real-Time Analytics: Businesses gain instant insights into operations, enabling data-driven decision-making and immediate responses to challenges or opportunities.

Simplified Data Models: With a streamlined architecture, S/4HANA reduces data redundancy, increasing efficiency and reducing storage costs.

2. Simplified Business Processes

Automation and Integration: S/4HANA automates repetitive tasks, integrates processes across departments, and eliminates silos for a more unified operation.

End-to-End Capabilities: The suite supports processes like supply chain, finance, sales, and procurement seamlessly, helping businesses operate cohesively.

3. Scalability and Flexibility

Cloud, On-Premise, or Hybrid Deployment: Businesses can choose a deployment model that aligns with their operational needs and IT strategy.

Scalable Infrastructure: S/4HANA easily scales as business needs evolve, accommodating growth or increased transaction volumes without major disruptions.

4. Support for Digital Transformation

IoT, AI, and Machine Learning: The platform integrates with emerging technologies, enabling predictive analytics, smarter decision-making, and advanced automation.

Integration with Business Networks: S/4HANA connects with external partners, suppliers, and customers through collaborative networks, improving value chain efficiency.

5. Improved Customer Experience

Personalization: Advanced analytics help tailor products and services to meet individual customer needs.

Faster Response Times: The system accelerates processes like order-to-cash and procurement, improving service delivery and satisfaction.

6. Compliance and Risk Management

Embedded Compliance Features: S/4HANA supports local and global regulatory compliance with automated checks and reporting.

Risk Mitigation: Advanced monitoring tools identify potential risks in operations, supply chains, and financial processes, allowing preemptive action.

7. Cost Efficiency

Lower Total Cost of Ownership (TCO): Streamlined processes, reduced data redundancy, and optimized IT landscapes reduce operational and maintenance costs.

Energy Efficiency: With optimized hardware and software usage, the system minimizes energy consumption.

8. Future-Proofing Businesses

Continuous Updates: SAP’s innovation cycle ensures S/4HANA stays up-to-date with the latest features and regulatory requirements.

Global Best Practices: S/4HANA incorporates industry-specific best practices, enabling businesses to adopt proven methodologies.

Case Example

A manufacturing company transitioning to S/4HANA could integrate IoT sensors with the platform, enabling real-time monitoring of production lines. Predictive maintenance powered by AI can reduce downtime, while integrated supply chain processes ensure raw materials are always available when needed.

By adopting SAP S/4HANA, businesses can transform their operations to be faster, smarter, and more aligned with modern digital demands, positioning themselves as leaders in their respective industries.

Anubhav Trainings is an SAP training provider that offers various SAP courses, including SAP UI5 training. Their SAP Ui5 training program covers various topics, including warehouse structure and organization, goods receipt and issue, internal warehouse movements, inventory management, physical inventory, and much more.

Call us on +91-84484 54549

Mail us on contact@anubhavtrainings.com

Website: Anubhav Online Trainings | UI5, Fiori, S/4HANA Trainings

[evoluzglobalsolutions1]

How Zoho Analytics Transforms Your Business with AI-Powered Insights

Did you know businesses leveraging advanced analytics grow 30% faster than those that don’t?

As organizations deal with massive amounts of data daily, the challenge is to make sense of it all. Enter Zoho Analytics — an intuitive, AI-powered platform designed to transform your raw data into actionable insights.

Organizations across industries like retail, healthcare, finance, and manufacturing are embracing Zoho Analytics for its robust capabilities.

From small startups to enterprise-level corporations, this platform is redefining how businesses approach data analysis.

Quick Tip:

Leverage the expertise of Zoho Experts and Zoho Consultants to maximize the potential of Zoho Analytics.

1. Seamless Integration with 500+ Data Sources

Zoho Analytics simplifies data unification by connecting with popular tools like CRMs, ERPs, marketing platforms, databases, and data warehouses. It even allows you to create custom integrations using its no-code builder.

Example Use Case: A retail chain can connect its sales data from Shopify, customer engagement metrics from Zoho CRM, and inventory data from Zoho Inventory into a single platform to track trends and forecast demand.

2. Advanced Data Management with AI

Preparing your data is no longer a chore. Zoho Analytics offers:

Visual Data Pipelines: Extract, transform, and load (ETL) data seamlessly with a visual pipeline builder.

AI-Driven Data Preparation: Use smart transformation tools to clean and organize your data.

Centralized Metrics: Maintain consistency in business reporting by creating a centralized metrics layer.

Did you know? Businesses using ETL tools report a 25% improvement in their decision-making speed.

3. Powerful Visualizations for Impactful Reports

Make your data easy to understand with over 50 visualization types, including:

Interactive dashboards with filters and drill-downs.

Geo-visualizations for analyzing location-based data.

Drag-and-drop simplicity to create reports in minutes.

4. AI-Driven Insights with Generative AI

Zoho Analytics integrates AI to help you uncover insights faster:

Ask Zia: Pose questions in plain language and receive instant reports.

Zia Insights: Get contextual narratives that explain trends and anomalies.

Auto-Generated Reports: Save time with ready-to-use reports based on your data.

Example: A sales team can ask Zia, “What are the top-performing regions this quarter?” and receive detailed visualizations.

5. Predictive Analytics and Forecasting

Stay ahead of the curve with tools that help you anticipate trends:

Apply forecasting models to predict sales or inventory needs.

Simulate different scenarios to identify optimal strategies.

Set real-time alerts to monitor key performance indicators (KPIs).

6. Collaboration and Storytelling Tools

Enhance teamwork and presentations with:

Collaborative Analytics: Share reports and dashboards securely within your team.

Storytelling Features: Create engaging data narratives using slideshows and visual elements.

Custom Analytics Portals: Build tailored portals for clients or stakeholders.

7. Mobile and Embedded Analytics

Stay connected to your data wherever you are:

Mobile Apps: Access reports and dashboards on iOS and Android devices.

Embedded BI: Add analytics capabilities directly to your applications or websites.

How Zoho Analytics Drives Business Success

Zoho Analytics isn’t just a tool; it’s a strategy enabler. Businesses leveraging its features report:

Improved Operational Efficiency: Automate data handling and reporting processes.

Faster Decision-Making: Use predictive insights to stay ahead of competitors.

Enhanced Collaboration: Break down silos by sharing insights across teams.

Pro Tip: Combine Zoho Analytics with other Zoho applications like CRM or Inventory for an integrated approach to business operations. Leverage the expertise of Zoho Experts and Zoho Consultants like Evoluz Global Soutions to drive 3x business growth and efficiency.

Why Now is the Best Time to Get Started

The demand for business intelligence tools is skyrocketing, and Zoho Analytics offers unmatched flexibility, affordability, and innovation.

Whether you’re a small business looking to track sales or a large enterprise managing global operations, this platform scales to meet your needs.

Get Started with Zoho Analytics Today

Transform the way you manage data. Turn raw numbers into stories that drive results. With Zoho Analytics, you can:

Forecast business trends with precision.

Visualize complex data with stunning reports.

Collaborate seamlessly with your team.

Explore Zoho Analytics with Evoluz Global Solutions today and take your business intelligence to the next level.

FAQs About Zoho Analytics

What makes Zoho Analytics unique? Zoho Analytics combines AI, user-friendly tools, and robust integrations to provide an unparalleled analytics experience.

Can I use Zoho Analytics with my existing tools? Yes, Zoho Analytics supports integrations with 500+ popular tools, ensuring seamless data flow.

Is Zoho Analytics secure? Absolutely. With enterprise-grade security measures, your data remains safe and compliant with global standards.

[indianmuneem]

Crypto Accounting Services: Why Crypto Tax Matters

Cryptocurrency is the new buzzword around town. This new technology is both intriguing and mysterious for many. That is because the masses are still largely uneducated about this revolutionary new technology. In its essence, cryptocurrency is a decentralized ledger of transactions. Every transaction record is embedded in the blocks of data that make up the currency. This makes it easy for anyone to verify any crypto deal.

But since cryptocurrency is now officially recognized as currency in many countries, it is taxable. Tax laws and regulations differ for crypto as compared to normal currencies. A new market for crypto accounting has sprung up as a result. Accountants and bookkeepers must adjust to a new reality and update their knowledge fast.

Luckily, Indian Muneem already offers great crypto accounting services for crypto enthusiasts. From tax calculation to planning, we cover all the tax requirements under one roof.

So, without further ado, let us dive into the fascinating world of crypto accounting. We will start by defining what exactly blockchain is.

So, what is blockchain?

Simply put, blockchain is a digital chain of blocks of data. This is what gives it its name. It uses a fair bit of cryptography (hence the name crypto coins). This is necessary because the validity of each transaction depends upon its security. Blockchain achieves this by making every node solve a complicated math puzzle to verify any transaction. 

But who maintains this global ledger of transactions that handles millions of dollars? The answer is all of us. Well, all of us who participate in the transactions. Every crypto user is a node that enables the vast network of crypto transactions. The lack of any central authority means the transactions are non-fungible (cannot be tampered with). 

This technology is still in development and applies not only to cryptocurrency, but to finance and healthcare too.

Decentralized Finance (DeFi)

You might have heard of Bitcoin or Ethereum, but the term “Decentralized Finance” might come as something new. What is it? DeFi, as it is called, is more of a social movement. Traditional financial systems are criticized for being centralized, outdated, error-prone, and often inaccessible. They impose high costs and limitations based on customer data. The Decentralized Finance movement addresses these issues by leveraging blockchain technology. The new financial applications offer greater accessibility, reduced costs, and user control over finances. This novel concept of financial freedom has drawn a host of admirers as well as detractors. But the popularity of cryptocurrency shows little signs of waning. It is abundantly clear that the technology is here to stay and the world must evolve accordingly.

How does accounting fit into all this?

While crypto is on the tongue of every toddler and adult alike, the tax implications present an interesting problem. The borderless nature of cryptocurrency makes it harder to regulate and tax. Don’t get us wrong– cryptocurrency transactions have long been taxed just like normal income. The rules and regulations vary by country though. A global standard is not agreed yet and accountants must read every bit of fine print carefully. Caution on the side of erring is the way to go for now.

Outsourcing accounting for cryptocurrency is beneficial for several reasons. Firstly it helps you break down where your finances are going wrong. Then you can fix it before it becomes a problem. With effective tax planning strategies, users can align their financial goals and minimize liabilities. Detailed reporting of all crypto activities—ranging from payments to staking and mining rewards—ensures audit readiness and legal compliance. For businesses in the crypto space, the tax preparation services company also covers revenue tracking, expense management, and payroll. Overall, crypto accounting services deliver essential tools to manage finances effectively, navigate regulations, and maximize the benefits of cryptocurrency investments.

New Tech, New Challenges

Crypto accounting, just like blockchain, is an evolving field. The rules of the game are yet to be framed properly. Before it goes mainstream, a few challenges must be overcome. Let us go through them at length:

Lack of crypto knowledge: Complexities in DeFi transactions (trading, staking, lending) have vague tax implications.

Unclear tax guidance: ITD clarity is limited to certain transactions; others like staking and NFTs remain ambiguous.

Confusing international rules: Attempts by tax offices to update guidance often lead to more confusion for investors.

Difficulty exporting data: Some platforms lack export options, complicating cost-basis calculations.

Volatile market value: Crypto’s fluctuating value makes tracking fair market value for transactions complex.

High logistical effort: Combining and interpreting transaction data is time-consuming.

Several challenges, one solution: Indian Muneem

Indian Muneem has emerged as the top Crypto Auditing Firm  in the country. Our best Crypto Accounting Outsourcing Services  make your crypto journey seamless. Expert accountants specialize in buying and trading to staking and DeFi activities, we ensure every transaction is accurately tracked. File taxes correctly while reducing liabilities and avoiding penalties. Stay audit-ready with detailed, transparent financial records. Whether you’re an individual investor or a business, Indian Muneem provides reliable, tailored solutions for your crypto accounting needs.

Our full catalogue of services:

Crypto Accounting System Setup: Track transactions with accurate, up-to-date crypto accounting systems.

Crypto Tax Calculations: Minimize errors, reduce liabilities, and avoid tax penalties.

Crypto Tax Planning: Strategically plan to reduce taxes and meet financial goals.

Reporting Crypto Activity: Stay audit-ready with detailed reports of all crypto activities.

Calculating Crypto Cost Basis: Ensure accurate reporting by tracking activities across platforms and wallets.

Business Accounting: Comprehensive solutions for revenue tracking, expenses, and payroll in crypto businesses.

Conclusion

Crypto Accounting can take your crypto investment to the next level. Accurate predictions, reliable planning and regular reporting– it puts the onus back in your hands and allows you to take charge of your financial operations. Indian Muneem simplifies this journey by offering tailored solutions for crypto enthusiasts and businesses. With the expertise to navigate this evolving landscape, Indian Muneem empowers you to focus on leveraging the potential of cryptocurrency while leaving the complexities of accounting and tax compliance to seasoned professionals.

[analyticsbyvijay]

Future of Robo-Advisors in Wealth Management

The future of robo-advisors in wealth management is poised for significant evolution, driven by advancements in technology, changing customer expectations, and regulatory developments. Below are some key trends and considerations that outline their trajectory:

1. Enhanced Personalization Through AI and Machine Learning

Advanced algorithms: Future robo-advisors will use AI and machine learning to offer hyper-personalized financial advice based on individual spending habits, life goals, and market behavior.

Behavioral finance integration: By analyzing emotional and cognitive patterns, they can help clients make better financial decisions.

Dynamic portfolios: Robo-advisors will increasingly offer real-time portfolio adjustments based on shifting market conditions or client needs.

2. Hybrid Models: Human + Robo Collaboration

Human oversight: Many clients prefer human interaction for complex decisions. Hybrid models, which combine automated solutions with human advisors, will dominate the market.

Enhanced service levels: High-net-worth individuals (HNWIs) may benefit from robo-advisors handling routine tasks while human advisors focus on bespoke strategies.

3. Expansion into Niche Markets

Accessibility: Robo-advisors are democratizing wealth management, enabling access for previously underserved groups (e.g., younger investors or those with lower net worth).

Specialized services: Tailored solutions for specific life stages (retirement, education planning) or investment strategies (ESG-focused portfolios) are becoming a key differentiator.

4. Integration with Emerging Technologies

Blockchain: Enhanced transparency and security through blockchain-based solutions for reporting, trading, and custody.

IoT and real-time data: Devices and systems that track financial behavior (e.g., spending patterns) could directly feed into investment strategies.

Voice assistants: Integration with virtual assistants like Alexa or Google Assistant for seamless portfolio inquiries and updates.

5. Global Market Expansion

Localized solutions: As robo-advisors expand globally, they will adapt to diverse regulatory environments, cultural preferences, and local market nuances.

Emerging economies: Growth in fintech adoption will open opportunities in regions like Southeast Asia, Africa, and Latin America.

6. Regulatory and Ethical Considerations

Data privacy and security: Regulators will impose stricter compliance requirements, particularly concerning AI-driven decision-making and personal data protection.

Transparency in algorithms: Consumers and regulators will demand more clarity on how algorithms work to ensure fairness and minimize biases.

7. Integration of Holistic Financial Wellness

Beyond investments: Robo-advisors will move beyond portfolio management to address broader financial needs like budgeting, tax optimization, insurance planning, and debt management.

Life-planning tools: They will incorporate goal-setting and tracking capabilities, making them indispensable life-planning companions.

8. Cost Efficiency and Competitive Pricing

Fee compression: With competition increasing, robo-advisors will drive down costs further, benefiting consumers.

Freemium models: Some providers may offer basic services for free, upselling advanced features or human consultations.

9. ESG and Ethical Investing

Increased demand: Investors are increasingly prioritizing environmental, social, and governance (ESG) factors. Robo-advisors will refine tools for selecting and monitoring ESG-compliant investments.

Customized values alignment: Advisors may allow users to align portfolios with personal values or social causes.

10. Consolidation and Strategic Partnerships

Mergers and acquisitions: Smaller robo-advisors may consolidate or partner with established financial institutions for scalability and credibility.

Embedded finance: Partnerships with tech platforms, e-commerce sites, or digital wallets will enable robo-advisory services to integrate seamlessly into consumers’ daily lives.

Key Challenges

While the outlook is optimistic, challenges remain:

Trust: Some investors may still prefer human advisors, particularly during volatile markets.

Algorithm limitations: Robo-advisors must balance automation with nuanced, situation-specific decision-making.

Digital divide: Accessibility to technology remains a barrier in certain regions and demographics.

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Building a Greener Future: Brillio’s Commitment to Sustainability

Sustainability is no longer just an option for businesses; it is a responsibility. In an era of environmental challenges, economic inequality, and increasing social awareness, organizations must step up to contribute positively to the world. Brillio has taken this responsibility seriously by embedding sustainability into its core operations. Through impactful corporate sustainability initiatives, a robust focus on environmental sustainability governance, and efforts to foster social sustainability, Brillio is shaping a future that balances business success with global responsibility.

What Sustainability Means to Brillio

Sustainability for Brillio goes beyond reducing carbon footprints or making charitable contributions. It is about integrating sustainable practices into every facet of its business to create long-term value for people, the planet, and the organization itself. Brillio’s approach revolves around three key pillars:

Environmental Sustainability Governance: Focused on minimizing the environmental impact of operations while promoting eco-friendly innovations.

Corporate Sustainability Initiatives: Building strategies that align with global goals like the United Nations Sustainable Development Goals (SDGs).

Social Sustainability: Empowering communities, fostering diversity, and prioritizing employee well-being.

Environmental Sustainability Governance

Brillio recognizes that environmental challenges such as climate change, resource depletion, and pollution demand urgent action. The company has implemented strong environmental sustainability governance to address these issues. Here’s how Brillio is making a difference:

Reducing Carbon Footprint: By optimizing energy consumption across offices and investing in renewable energy solutions, Brillio aims to significantly lower greenhouse gas emissions.

Waste Management: The company has adopted sustainable waste management practices, including recycling programs and minimizing single-use plastics in its operations.

Green Innovation: Brillio leverages technology to develop digital solutions that help clients reduce their environmental impact. From energy-efficient software to AI-powered systems for optimizing resource use, the focus is on innovation that benefits the planet.

These efforts ensure that Brillio not only complies with environmental regulations but also leads the way in promoting green business practices.

Corporate Sustainability Initiatives

For Brillio, sustainability is woven into its business strategy. Through corporate sustainability initiatives, the company demonstrates its commitment to addressing global challenges while creating value for stakeholders.

Sustainable Supply Chain: Brillio works with suppliers and partners who share its commitment to sustainability, ensuring that ethical and environmentally friendly practices are upheld across the supply chain.

Technology for Good: Leveraging its expertise in digital transformation, Brillio collaborates with clients to implement solutions that drive sustainability in industries such as retail, healthcare, and finance. These solutions include AI for energy optimization, blockchain for transparent supply chains, and cloud technologies to reduce IT infrastructure waste.

Transparent Reporting: Brillio maintains accountability through detailed sustainability reports, which outline its goals, achievements, and areas for improvement. This transparency builds trust with stakeholders and drives continuous progress.

By aligning its initiatives with international standards and frameworks, Brillio is contributing to a more sustainable and equitable future.

Social Sustainability: Empowering People and Communities

Sustainability isn’t just about the environment—it’s also about people. Brillio’s focus on social sustainability ensures that the benefits of its growth extend to employees, communities, and society at large.

Diversity and Inclusion: Brillio fosters a workplace culture that values diversity, equity, and inclusion. By promoting representation across gender, ethnicity, and backgrounds, the company creates an environment where everyone can thrive.

Employee Well-Being: Brillio prioritizes employee mental health, offering wellness programs, flexible work options, and professional development opportunities.

Community Engagement: Through initiatives like the Brillio Foundation, the company supports education, skill development, and technology access for underprivileged communities. Programs like these empower individuals to build better futures while addressing systemic challenges like poverty and inequality.

Brillio’s social sustainability efforts demonstrate its belief that true business success is measured by its impact on people’s lives.

The Bigger Picture: A Sustainable Future

Brillio’s sustainability efforts are part of a larger vision to contribute meaningfully to the global sustainability movement. The company’s work supports international goals such as the Paris Agreement, the United Nations SDGs, and regional environmental initiatives.

Moreover, Brillio is not just focusing on short-term gains. Its approach ensures long-term impact by creating a culture of sustainability among employees, partners, and clients. From educating stakeholders about sustainable practices to advocating for systemic change, Brillio is building momentum for a greener and more equitable future.

Join Brillio on Its Sustainability Journey

Sustainability is a shared responsibility. Brillio’s efforts in environmental sustainability governance, corporate sustainability initiatives, and social sustainability set an inspiring example for businesses worldwide. By leveraging technology, fostering inclusivity, and embracing accountability, Brillio proves that businesses can drive both profit and purpose.

As the challenges facing our planet and society grow, so too does the opportunity for impactful action. Join Brillio on its mission to create a sustainable future—because the time to act is now. Together, we can build a world where business success and sustainability go hand in hand.