#more than 45 bank partners

[shubhbank]

Elevate your financial dreams with SHUBHBANK! START YOUR OWN BUSINESS journey confidently. Embrace financial prosperity, tailored solutions, and personalized support. Your success story begins with SHUBHBANK – Your Partner in Progress!

[mariacallous]

Chinese President Xi Jinping visits Peru this week for the Asia-Pacific Economic Cooperation (APEC) summit, during which he will inaugurate the deep-water port of Chancay, about 45 miles north of Lima. It’s a $3.6 billion project—one of China’s largest infrastructure investments in the region in the past two decades.

It also may be one of the last of its kind.

Upon becoming president in 2013, in an attempt to deepen the so-called going out strategy and find new markets for booming Chinese production, Xi initiated a reform agenda that intensified diplomatic outreach and boosted overseas investment, the capstone of which was the Belt and Road Initiative (BRI).

Big infrastructure contracts were a win-win move: They allowed China to offload excess capacity of steel, labor, and other inputs while providing urgently needed infrastructure to Latin America. Since 2017, 22 countries in Latin America and the Caribbean have formally joined the BRI, utterly transforming China’s relationship with the continent. China is now Latin America’s second-largest trading partner, after only the United States.

But after two decades of growing sway in the region, Beijing is taking a new approach. As it struggles to manage an economic slowdown, a mounting debt burden, and a broken real estate market, Beijing is bringing an end to the era of high-risk, high-cost mega-infrastructure projects in favor of smaller, new frontier investments in cloud computing, 5G technology, renewable energy, artificial intelligence, and electric vehicles.

China has pitched its new strategy to the world as visionary and forward-looking. Its Latin American partners, however, are less convinced.

The significant, long-standing infrastructure gap in Latin America has made leaders hungry for external investment. Whereas the United States and the European Union have been reluctant to put up large sums, China was happy to get involved.

BRI money has funded roads through the jungles of Costa Rica; railways in Bolivia and Argentina; industrial parks and a container port in Trinidad and Tobago; the biggest hydroelectric plant in Ecuador; and the first transoceanic fiber-optic cable directly connecting Asia to South America, stretching from China to Chile, among other projects.

These big infrastructure projects have paralleled increased Chinese investments in soft power and diplomacy. The United States used to be very adept with its Latin American partners, but China has overtaken it, said Benjamin Creutzfeldt, a China scholar.

“The Chinese have become better at engaging through charm offensives with their charismatic ambassadors,” he said. “They learned how to deal with their counterparts effectively.”

But China’s expansion in the region—particularly in hard infrastructure—has come at a cost for Latin America. Chinese companies have been accused of substandard construction practices and corruption in prior big-item investments.

For instance, the Coca Codo Sinclair dam, a hydroelectric rock-fill dam in the jungles of Ecuador, has not stopped making negative headlines since being inaugurated in November 2016. The estimated $3.4 billion project—the largest in Ecuador’s history—was built and financed by China as a flagship BRI project. But by July 2022, more than 17,000 cracks had already splintered across the dam, and many of the top Ecuadorian officials involved in the construction have been imprisoned or sentenced on bribery charges related to the project.

Not only is Ecuador now left with faulty infrastructure, it’s also stuck with crushing amounts of debt. The BRI has shifted China from being Latin America’s ATM to its biggest debt collector. China rivals the World Bank and the Inter-American Development Bank as the biggest creditor in the region and has left Latin America with the highest level of debt service payments in the world, at an estimated 4 percent of regional GDP. According to the research from the Center for Economic Policy Research, the share of Chinese loans to countries in financial distress increased from about 5 percent in 2010 to about 60 percent in 2022.

For its part, Ecuador is attempting to pay back its debt by exporting oil to China at almost an 80 percent discount. But this arrangement could cause problems for China, too, in the long run.

“Supporting these mega-projects, which do not have big returns, in indebted countries, isn’t necessarily a good business strategy,” said Leland Lazarus, the associate director of national security at Florida International University’s Jack D. Gordon Institute for Public Policy.

“China is at the risk of not getting their money back,” said Axel Dreher, a professor at Germany’s Heidelberg University.

After more than two decades of big, ambitious physical infrastructure projects, China has begun to face the music.

Strained economic and political situations on the domestic front have increased pressure to spend less abroad and focus on the country’s internal development needs. Just last week, the Chinese government approved a $1.4 trillion plan to boost the economy by allowing local government to refinance debts.

China is also increasingly wary of infrastructure projects after being criticized for its subpar BRI implementation. AidData, an international development research lab, analyzed more than 13,427 of the initiative’s projects across 165 countries, worth $843 billion, and found that 35 percent had “major implementation problems,” such as scandals, protests, corruption, labor violations, and environmental degradation.

China is still finishing up certain hard infrastructure projects, including the Bogotá Metro rapid transit system in Colombia, but will pursue fewer moving forward. Instead, hungry for cash and eager to de-risk investments while remaining relevant overseas, China has shifted its focus toward new frontier projects—already to great effect.

Wenyi Cai, a Chinese investor and the CEO of Polymath Ventures, a venture studio in Latin America, said that she has seen overwhelming Chinese interest in digital investments, particularly in Mexico and Brazil. Just in 2022, 58 percent of Chinese investments in Latin America and the Caribbean were in these new infrastructure industries, up from about 25 percent in the previous year.

This shift is particularly notable in the telecoms industry. Already, up to 70 percent of Latin America’s 4G-LTE cellular networks are supported by infrastructure from the Chinese tech giant Huawei, which grew by 9 percent in the region in 2022, according to a report from the University of Navarra. The company is also rolling out 5G networks in several countries in the region.

China is also making waves in the electric vehicle industry. In 2022, Chinese firms invested $2.2 billion in the industry—35 percent of all Chinese foreign direct investment in the region that year, according to an Inter-American Dialogue report. In 2023, China emerged as Mexico’s top car supplier, exporting $4.6 billion worth of vehicles, and the Chinese electric vehicle manufacturer BYD is actively exploring factory locations in the country.

Undoubtedly, China’s interest in this supposed technical revolution is economical. For China, the new frontier sectors present less risk, lower operating costs, and faster returns than traditional infrastructure projects in a retrenched post-pandemic world.

“As China has less overall capital to allocate, it tries to do so in a more strategic way,” said Margaret Myers, the director of the Asia and Latin America program at the Inter-American Dialogue.

This, however, has resulted in a huge decrease in funds for Latin America. From 2010 to 2019, China invested an average of $14.2 billion per year in the region. By 2022, however, this amount had dropped to less than half—just $6.4 billion. A similar trend can be observed in loans from China’s top development finance institutions: At its peak in 2010, China lent more than $25 billion in the region, but this dropped to a little more than $1.3 billion per year between 2019 and 2023.

Though infrastructure is no longer the smartest investment strategy, that doesn’t mean the region’s need for it is going anywhere. Luis Alberto Moreno, the former president of the Inter-American Development Bank, told Foreign Policy that there continues to be a large infrastructure deficit in Latin America that is only growing bigger as the region becomes richer and demands more energy, goods, and services.

Non-Chinese development banks, including the World Bank and the Inter-American Development Bank, have already started filling the gap since Chinese lending first dropped in 2015. This includes significant new financing from the Inter-American Development Bank for road improvements last year, with $600 million allocated to Mexico, $480 million to Brazil, and $345 million to Argentina.

But Moreno said that he doubts that the World Bank and the Inter-American Development Bank will be able to fill the void alone. China seems to be the only other option, but it’s not playing ball.

Despite the region finding itself trapped in domestic debt and having been burned by infrastructure projects that did not fulfill time, cost, and quality expectations, a fear nevertheless lingers in Latin America about what it will do without massive inflows of Chinese money.

“There is this sense that it [infrastructure] needs to be done, whether China is the one to do it or not,” Myers said.

Yet, China’s increased focus on new frontier investments could enable Latin American countries to enhance their much-needed digital infrastructure, positioning them to capitalize on automation and the adoption of artificial intelligence. It could also facilitate the region’s participation in a global green transition.

Jesús Seade, Mexico’s ambassador to China, sees the shifting focus toward more innovation-led investment as an opportunity for his country. “It means development—it means helping Mexico climb the value chain,” he told Foreign Policy.

But some worry that the region will become over-reliant on China in these new sectors, just as it did for the big physical infrastructure projects, without improving its own competitiveness in the process. Although some welcome cheap green technologies from China in order to ease the region’s transition to cleaner energy use, concerns remain about Latin American countries not doing enough to bolster their capacity to produce high-value manufacturing goods, harness Chinese technology transfers, and implement robust security measures to safeguard against the misuse of citizens’ data.

The new frontier investments could also pose security threats to Latin American governments and their citizens, including through surveillance, cybersecurity, and intellectual property risks that the region is unprepared to deal with, according to Robert Evan Ellis, a professor of Latin American studies at the U.S. Army War College. He is also concerned about China’s ability to misuse its access and knowledge about operations in key logistics hubs—such as the Panama Canal or the Chancay port—to disrupt access or launch attacks if a conflict were to emerge.

Another concern is the power balance between China and its Latin American partners. According to Marisela Connelly, a professor at the Center for Asian and African Studies at the College of Mexico, China is the one determining the conditions for trade and investment in the region.

“China simply wants Latin American countries to adapt to China’s needs,” Connelly said. She criticized the Mexican government for having “no strategy” and “no clear objectives” in its relationship to China.

Ultimately, the situation raises an important question about what infrastructure Latin America really needs.

“I’m not sure this [less investment in hard infrastructure] is a bad thing,” Evan Ellis said. Ultimately, Latin America has to pay for its infrastructure projects, and China’s shift may save the region from more unviable and expensive infrastructure projects moving forward.

[swiss-private-banking]

Listen to the Podcast by Enzo Caputo from Swiss Banking Lawyers

Are Swiss Banks in trouble? How safe is your Money with Credit Suisse? Swiss banks are under a frontal attack by the UK and the US media. There is an ongoing defamation campaign against Swiss banks.

Despite attacks against the reputation of the Swiss banks, they are doing great. Since Covid and the war in Ukraine business is booming. Never have Swiss banks attracted so much new money from all over the world as in the last two years.

Based on the example of Credit Suisse you will learn that the money of international investors is protected. The first 100,000 CHF is guaranteed anyway. Only liquidity beyond 100,000 CHF is at risk. All investments can be taken out of the bankruptcy mass of a bank that went bust. If you invest your money in stocks, funds, or bonds, it will not be part of the bankruptcy and remain within the property of the investor.

I am receiving a couple of calls every week from investors asking me about the safety and if they should leave Credit Suisse. I analyze case by case and I give tailor-made answers. A general answer does not exist. In most cases, I will tranquilize the client of Credit Suisse.

My interview partner Mr. Dario Berta is convinced that Credit Suisse will recover next year based on the new strategy. There will be a cut of 9,000 bankers. They will diminish expenditures and increase wealth management activities. The value of the share price is undervalued. The real value of Credit Suisse is 4 to 5 times bigger than the value reflected with a share price of below 4 CHF.

00:00 Intro 01:42 What is the truth about Credit Suisse? 03:10 What is the new strategy of Credit Suisse? 04:43 Why Credit Suisse made losses? 05:01 What are the most famous scandals of Credit Suisse? 06:04 How to judge the low share price of 4 CHF versus the real value of Credit Suisse? 06:25 How much is Credit Suisse worth? 06:45 Who are the Arab investors injecting new capital into Credit Suisse? 07:41 How do you measure the market value of Credit Suisse? 09:35 Will Credit Suisse survive this crisis? 10:35 The Swiss banking industry is booming 11:30 What will be the future of Credit Suisse? 11:50 How many people will lose their job with Credit Suisse? 14:25 What happens to your money if the bank goes bankrupt?

Actually, Credit Suisse stock is undervalued.

📌 Learn more at 👉 swiss-banking-lawyers.com

[head-post]

Gas prices surge as EU storage drains faster than expected

Consumption of gas from EU underground storage facilities accelerated as Europe suffered its first winter cold snap, bne IntelliNews informed.

As of 1 December, gas tanks were 85.5% full. In 2023 and 2022, storage levels stood at 94.8% and 92.3% respectively. However, the figure is still well above the 68.2% in 2021, when Europe was hit by a cold winter.

Normally, the heating season officially starts on 1 November, when EU rules state that reservoirs must be at least 90% full. However, uncertainty over the weather has already led to a 45% increase in gas prices since the start of the year, as tanks are emptying faster than in the previous two years.

This year’s situation is exacerbated by the fact that Ukraine’s gas transit agreement to supply 15 billion cubic metres (bcm) of gas to the EU from Russia expires on 31 December. Kyiv, for its part, pledged not to extend the deal. Recently, Russian gas giant Gazprom published its investment plans for 2025, which also excluded the extension of the transit agreement with Ukraine.

Higher energy spending would raise the cost of living for consumers and worsen Europe’s looming recession, economists warned. Europe is already facing a crisis after Italy’s ex-prime minister and former head of the European Central Bank Mario Draghi warned in a report that Europe had lost its competitive edge.

While Europe is struggling to fill its gas storage facilities, Ukraine’s reservoirs are only 22.6% full, storing 6.5 bcm of gas. However, Ukrainian gas tanks are the largest in Europe, totalling more than 30 bcm, with 15 bcm still available for European partners.

Yet, foreign traders stayed on the sidelines, preferring not to store gas in Ukrainian reservoirs this year amid the threat of Russian strikes on the country’s energy infrastructure.

Read more HERE

[cadeveshthakur]

TDS New Rates applicable from 1st Oct 2024|Interest calculation| Rectification/Correction statement  @cadeveshthakur   #tdsrates #newtdsrates #tds #incometax #cadeveshthakur Understanding Tds: Complete Guide To Tax Deduction At Source | Part 5 | Tds Basics Index 00:00 to 04:44 Introduction 04:45 to 05:39 192 TDS on salary payment/ TCS 206C 05:40 to 08:59 194DA Payment in respect of Life Insurance Policy 09:00 to 11:42 194D Payment of Insurance commission (in case of person other than company) 11:43 to 12:18 194F Repurchase of Units of Mutual Fund or UTI 12:19 to 14:31 194G commission and other payments on sale of lottery tickes 14:32 to 16:20 194H Commission and Brokerage 16:21 to 19:00 194-IB Payment of Rent by Certain Individual of HUF 19:01 to 21:05 194M Payment to contractor, commission agent, broker or professional by certain Individuals or HUF 21:06 to 25:09 194O Payment by e-commerce operator to e-commerce participant 25:10 to 29:25 194T Payment in the nature of salary, remuneration, commission, bonus or interest to partners of the firm 29:26 to 31:16 Interest on late payment of taxes   31:17 to 35:11 Time limit to file correction statement in respect to TDS/TCS statements   Interest on late payment of taxes   To bring parity on the interest rates under TDS/TCS   Interest on late payment of tax to the CG Section   i.e., tax has been deducted but not deposited 201(1A)                                                                                 Interest on late payment of tax to the CG 206C (7) i.e., tax has been collected but not deposited Time limit to file correction statement in respect to TDS/TCS statements     Section 200 - Duty of person deducting tax under the provisions of chapter XVII-B   200(3) - After paying the tax deducted, file TDS statement within prescribed time period   Proviso - deductor to file correction statement for rectification     Section 206C - Collection of TCS   Priviso to 206C (3) - person collecting tax after paying to the CG, furnish TCS statement within prescribed time period   206C (3B) - to file correction statement for rectification   🎥 Hello, lovely viewers! Welcome back to the @cadeveshthakur channel! 🎉 YouTube Channel: https://www.youtube.com/@cadeveshthakur TDS ki कक्षा: https://www.youtube.com/playlist?list=PL1o9nc8dxF1RqxMactdpX3oUU2bSw8-_R E-commerce sellers: https://www.youtube.com/playlist?list=PL1o9nc8dxF1ShUNXkAbYrAYj2Pile1Rim GST Knowledge Bank: https://www.youtube.com/playlist?list=PL1o9nc8dxF1RjdRrG4ZKXeJNed6ekhjoR Goods & Services Tax: https://www.youtube.com/playlist?list=PL1o9nc8dxF1SlBw2kSpZ9ay1jnEOkbDYN TDS: https://www.youtube.com/playlist?list=PL1o9nc8dxF1RXi2GaEckeXGmJy_FYOj9q Shorts for Accountants, Professionals, Finance, Students: https://www.youtube.com/playlist?list=PL1o9nc8dxF1TqoRTWoA1_l0kmtsbyNEB5 Accounting concept, Entries, Final Accounts preparation: https://www.youtube.com/playlist?list=PL1o9nc8dxF1T4GSjBPboXxBgFgkVZmDbQ Direct Taxation: https://www.youtube.com/playlist?list=PL1o9nc8dxF1S7BBNeuL3fzV_fDl9V88C2 🎥 Hello, lovely viewers! Welcome back to the @cadeveshthakur channel! 🎉 I’m thrilled to have you here, and I want to connect with you beyond YouTube. Let’s take our journey together to the next level! 😊 LinkedIn: https://www.linkedin.com/in/cadeveshthakur/ Instagram: https://www.instagram.com/cadeveshthakur/ Twitter: https://twitter.com/cadeveshthakur Facebook: https://www.facebook.com/cadevesh Whatsapp Group: https://whatsapp.com/channel/0029Va6GOVE9MF92Ylmo7e0L #cadeveshthakur https://cadeveshthakur.com/ Remember, our community is more than just a channel—it’s a family. Let’s connect, learn, and grow together! Hit that Subscribe button, tap the notification bell, and let’s spread financial wisdom one click at a time. 🚀 Remember, knowledge empowers us all! Let’s learn together and navigate the complex world of finance with curiosity and diligence. Thank you for being part of the cadeveshthakur community! 🙌 Disclaimer: The content shared on this channel is purely for educational purposes. As a Chartered Accountant, I strive to provide accurate and insightful information related to GST, income tax, accounting, and tax planning. However, please note that the content should not be considered as professional advice or a substitute for personalized consultation. TDS New Rates applicable from 1st Oct 2024|Interest calculation| Rectification/Correction statement

[scentsplit]

Why Invest in Perfume Samples for the Spring Season

When spring rolls around, it feels like everything should get a refresh – including the scents we wear. That's where perfume samples shine. They're like those tiny spoons at the ice cream shop – perfect for tasting before you decide on a full scoop. But instead of ice cream, we're diving into luxury fragrances. Fragrance samples let you test-drive the fancy stuff without the big-bottle commitment.

Here's the scoop on why spring fragrance samples are a smart move, especially when you're looking to switch things up for spring:

Cost-effective trial: They let you explore high-end fragrances at a fraction of the price.

Variety: You can try a wide range of scents – from floral to woody – without breaking the bank.

Seasonal refresh: They're perfect for finding that new spring scent that just clicks with your vibe.

Let's get into some top picks for spring – these perfume samples are worth checking out:

Fresh Picks for Spring

Elysium Parfum Cologne by Roja Parjums - Think of walking through a garden in full bloom – that's Elysium. It's vibrant with a capital V, blending citrus and fruity notes that feel just right for spring.

Bergamote 22 by Le Labo - Here's a fragrance that hits the sweet spot between fresh and comforting. Bergamote 22 mixes bergamot, grapefruit, and vanilla for a scent that's like a sunny morning in a bottle.

Ormonde Man by Ormonde Jayne - Prefer something that reminds you of the great outdoors? Ormonde Man is your pick. With juniper berry, hemlock, and oud, it's like a walk through the woods on a crisp spring day.

Reflection 45 by Amouage - For evenings when you've got a bit of romance in the air, Reflection 45 brings jasmine, rose, and sandalwood into a floral blend that's all about elegance.

Torino21 by Xerjoff - Imagine the warmth of the sun as spring days start to stretch out. Torino21 captures that feeling with bergamot, amber, and musk – cozy yet refreshing.

Wulong Cha by Nishane - This one's a nod to the calmness of a tea ceremony, blending tea, citrus, and musk. It's subtle, sophisticated, and perfectly suited for those quieter spring moments.

Why Dive Into Perfume Samples This Spring?

Spring is all about new beginnings and what better way to embrace this than by refreshing your fragrance lineup? Perfume samples come into play as the perfect partners in this seasonal transition. It's not just about catching whiffs of something pleasant; it's a deeper dive into the sensory world of fragrances that align with your vibe during this vibrant season. Here’s the breakdown:

Personal Discovery: Finding a fragrance that resonates with you is like finding a new favorite song. It just clicks. Perfume decants offer a way to explore what really speaks to your mood and style without the guesswork.

Seasonal Sync: Each season has its mood, and spring is all about renewal and lightness. Sampling lets you align your scent with the season's spirit – think floral blooms, fresh citrus, or clean, airy notes that say "spring" in a spritz.

Luxury Without the Commitment: Let's face it, diving into luxury can feel like a leap. Perfume decants let you experience the high-end stuff – the craftsmanship, the unique blends, the prestige – without having to commit to a full bottle. It's like having a taste of the good life, one sample at a time.

Ready for a Refresh?

Keen to shake up your scent wardrobe this spring? Head over to Scent Split's website. Whether you're after something fresh and zesty, floral and romantic, or deep and woody, they've got a curated collection of perfume samples that hit all the right notes.

Dive into their selection and find the fragrances that feel like spring to you – without the commitment.

For More Information About Parfums De Marly and Roja Elysium Please Visit:- Scent Split.

[tcawirelespearlcity]

Aloha Phone Repair by TCA Wireless – Pearl City

Welcome to Aloha Phone Repair by TCA Wireless Pearl City, HI—your trusted partner for all your phone repair needs. With over two decades of experience, we’ve built a reputation for providing fast, reliable, and affordable solutions for everything from iPhone repair to phone screen repair and more. Our expert technicians are here to ensure that your devices are in the best hands, whether you need a quick cellphone fix or a complex repair.

Why Choose Aloha Phone Repair Pearl City?

At Aloha Phone Repair by TCA Wireless Pearl City, HI, we understand how essential your smartphone is to your daily life. That’s why we’re committed to delivering top-quality phone repair services that get you back to your routine as quickly as possible. Our technicians are not only skilled but also passionate about what they do, bringing years of experience to every cellphone fix.

Comprehensive Phone Repair Services

We offer a wide range of services to meet all your phone repair needs:

Button Repair: Stuck or unresponsive buttons can be frustrating. We offer comprehensive button repair services to restore full functionality to your device.

Phone Screen Repair: Cracked or shattered screens are our specialty. Whether it’s a small crack or a completely shattered screen, our technicians can restore your phone to its original condition. Don’t let a damaged screen disrupt your life—come to us for quick and reliable phone screen repair.

iPhone Repair: We understand that your iPhone is more than just a phone—it’s your connection to the world. From screen replacements to battery issues, our team provides expert iPhone repair services that will have your device working like new.

Battery Replacement: Is your phone not holding a charge like it used to? We offer fast battery replacement services that ensure your device is powered up and ready to go.

Charging Port Repair: A faulty charging port can leave you disconnected. Our technicians can repair or replace your charging port quickly, so you never have to worry about a low battery again.

Water Damage Repair: Accidents happen, and water damage is one of the most common issues we see. Our team is skilled in diagnosing and repairing water-damaged phones, giving you the best chance of recovery.

Expert Technicians at Your Service

Our technicians are the heart of Aloha Phone Repair by TCA Wireless Pearl City. With years of experience and a commitment to ongoing training, our team stays at the forefront of the latest phone repair techniques. We work on all major brands, including Apple, Samsung, Google, LG, and more. When you choose us, you’re choosing expertise you can trust.

Customer Satisfaction Guaranteed

We take pride in delivering not only excellent phone repair services but also outstanding customer service. Our Pearl City location is dedicated to making your experience as convenient and stress-free as possible. We offer:

Competitive Pricing: High-quality phone repair shouldn’t break the bank. We offer competitive pricing on all our services, with no hidden fees.

Fast Turnaround Times: Most repairs, including phone screen repair and iPhone repair, are completed within 20-45 minutes. You won’t have to wait long to get your device back in working order.

Warranty on Repairs: We stand by our work, offering a 90-day warranty on all repair services. This ensures that you can have peace of mind knowing your cellphone fix is done right.

FAQs

1. What brands of phones do you repair?

We repair all major brands, including Apple, Samsung, LG, Google, Motorola, OnePlus, HTC, Sony, Huawei, Nokia, and more. Whether you need an iPhone repair or a cellphone fix for any other brand, we’ve got you covered.

2. What types of repairs do you offer?

Our services include phone screen repair, battery replacement, button repair, camera repair, charging port repair, software troubleshooting, and more. We handle everything from minor fixes to more complex phone repair needs.

3. How long does a typical phone repair take?

Most repairs, such as phone screen repair and battery replacement, can be completed within 20-45 minutes. More complex repairs may take longer, but we strive to complete every cellphone fix as quickly as possible without compromising quality.

4. Do you provide a warranty on your repairs?

Yes, we offer a 90-day warranty on all phone repair services. This ensures your satisfaction and peace of mind, knowing that your device is protected after the repair.

5. Can you repair water-damaged phones?

Yes, we offer water damage repair services. Our technicians will assess the damage and do everything possible to restore your device to working condition. Water damage can be tricky, but our experienced team is up for the challenge.

6. What should I do if my phone won’t turn on after an update?

Bring your phone to us in Pearl City, HI. We offer specialized iPhone repair and other brand-specific services to fix update-related issues, ensuring your device is up and running smoothly again.

7. Can you fix cracked screens on all phone models?

Absolutely. We provide phone screen repair services for all brands and models, including iPhone repair, Samsung Galaxy, Google Pixel, and more.

8. How much does it cost to repair a phone screen?

The cost of phone screen repair varies depending on the model and brand of your phone. We offer competitive pricing, so contact us for a specific quote.

9. Do you offer battery replacement services?

Yes, we offer battery replacement services for all major phone brands. If your phone’s battery isn’t holding a charge like it used to, visit us for a quick and affordable cellphone fix.

10. Can you help with software issues on my phone?

Yes, we provide comprehensive software troubleshooting and repair services, including fixing bugs, resolving update issues, and removing malware. Our goal is to ensure your phone operates at peak performance.

11. Do you provide diagnostic services?

Yes, we offer diagnostic services to identify any issues with your phone and recommend the best course of action for repair.

12. Can I get my phone repaired if it’s still under warranty?

Yes, we can repair phones under warranty. However, it’s best to check your warranty terms to understand any specific conditions. We work diligently to ensure your device is repaired correctly the first time.

13. Do you offer financing options for repairs?

Yes, we offer flexible financing options to help you get your phone repair done without financial strain. Our team will work with you to find the best solution for your needs.

14. What should I do if my phone’s buttons are stuck or unresponsive?

Bring your phone to our Pearl City, HI location. We offer button repair services to fix unresponsive or stuck buttons on all phone models.

15. Do you buy back old or damaged phones?

Yes, we offer a device buyback program. Bring in your old or damaged phone, and we’ll give you a competitive offer.

Convenient Location in Pearl City

Our Pearl City shop is conveniently located to serve you better. Whether you live in the area or are just passing through, you’ll find us easily accessible and ready to assist with all your phone repair needs.

Phone: +1 (808) 944-8886 Website: Aloha Phone Repair by TCA Wireless

Address :  Located in McDonald’s Parking Lot next next to Territorial Savings Bank, Shopping Center, 850 Kamehameha Hwy Ste #8, Pearl City, HI 96782, United States

Visit Us Today

Don’t let a damaged phone slow you down. Visit Aloha Phone Repair by TCA Wireless Pearl City, HI, for fast, reliable, and affordable phone repair services. Our expert technicians are ready to assist with everything from phone screen repair to complex iPhone repair. Stop by today, and let us help you get your device back to its best.

Operating Hours : Monday – Sunday : 11am – 7pm

Phone : +1 (808) 944-8886

Facebook

Instagram

[shubhbank]

Join our journey as PARTNERS! Together, we'll navigate challenges, seize opportunities, and build a future defined by innovation and success.

[vitodragone]

Financing Options for Commercial Multifamily Properties

Due to rising single-family home prices and the scarcity of affordable housing, savvy real estate investors are leaning toward multifamily units. Nevertheless, substantial upfront expenses associated with property acquisition, construction, repairs, renovations, and ongoing operational costs often surpass available capital, compelling investors to seek various financing options to bridge this gap.

Financial institutions offer conventional loans that can assist real estate investors in financing multifamily properties. These loans have terms ranging from five to 30 years and require a minimum down payment of 20 percent. Loan amounts can reach up to $25 million. However, conventional loans often come with stringent terms and conditions. Besides collateral, lending institutions can pursue the borrower's other assets should they default.

Federal Housing Administration (FHA) loans, which are government backed, are attractive to multifamily investors due to low fixed-interest rates and extended loan terms of up to 35 years. Notably, FHA loans differ from conventional ones in that they involve no personal liability for the loan; rather, they rely solely on the secured property as collateral. The loans primarily benefit investors in multifamily property development, property acquisitions, and refinancing endeavors. Loan amounts can reach $75 million.

The Department of Housing and Urban Development (HUD) also offers competitive loans for multifamily borrowers. One notable feature of HUD loans is their extended loan term, exceeding 40 years. Moreover, these loans offer options for multifamily financing, such as HUD 223(f) loans, for borrowers looking to acquire or refinance existing multifamily apartments, and the HUD 221(d)(4) program, for those looking to rehabilitate or construct new properties. A significant drawback of HUD loans is the closing process, which can take longer than six months.

Commercial mortgage-backed securities (CMBS), or conduit loans, are large loans of up to $10 million, using the property as collateral to safeguard the lender in case of default. Borrowers, particularly those with lower credit scores, benefit from these loans, as lenders prioritize assessing the property's strength over the investor's creditworthiness. However, CMBS loans often have more stringent terms, including higher interest rates and stricter underwriting requirements, than alternative options.

Savvy investors with extensive property portfolios can access portfolio multifamily loans, which can exceed $100 million. These loans offer more flexibility in terms and eligibility criteria; however, they typically carry higher interest rates due to their elevated risk profile. The loan closing process can range from 10 to 45 days, and the loan term, from two to 30 years. Borrowers require a minimum credit score of 600. The necessary experience or time in business can vary, although a minimum of 12 months of experience is advisable.

In order to select the financing option that best fits their needs, multifamily borrowers should make sure they understand their loan options and eligibility criteria, including credit scores, down payment requirements, debt service coverage ratio (which measures the ability to repay debt), and interest rates. The condition and type of property to be financed is also crucial, as lenders tend to favor luxury or newer properties with solid market demand and those in good condition.

Moreover, selecting an appropriate lender is essential, as financial institutions differ significantly in loan terms, eligibility requirements, and benefits. For instance, although banks provide various options, they impose strict qualification criteria. Conversely, credit unions may offer fewer product choices but compensate by offering more favorable interest rates. Enlisting the expertise of loan brokers can help borrowers identify suitable lending partners that align with their specific needs.

[renatedagmarmilada]

I am disappointed, not distraught, but definitely put out-- I gave tuition for some 14 years or more in Sheffield Homes, Pakistanis and Somalis-- before the latest phase-out practice by the lab st barths human research to blacken my character.

I always did my best with the pupils, charged a minimal amount, especially considering my level and experience-- and so on.

One of the lab Pakistanis /?/ put onto the file- 'has tendencies.' and fed it verbally into someone's brain and dubbed it into conversations... Why? How? This has gone round Pagehall where I used to teach. One of the germans asked me that and I thought it sounded good when the LORDS and Members of Parliament and the Ministry lot etc come into the lab.

I need to explain to this man--- I was married in CHURCH- when we marry in Church, we promise to love, honour and obey.. till death do us part.

Unless the Church gives you a formal divorce you should not remarry till one partner dies.

Why Mr Pakistani, did the Christian Bishops make such a rule ?... You know in London now, you need to have a blood check to ensure you have not married your half-sibling-- that is why. To make sure you know whose child is whose... The Church knows exactly why it makes those rules. I am not divorced by the Church. I am not properly divorced, so am in effect a married lady. I do not have tendencies, but married ladies do not f about... I am not single to play the field.. I know your rules are different, but those are ours...for bedtter for worse, for richer for poorer till death do us part. I am getting on for 79 now but if I live longer than my ex - though, he is a very strong man, and I am a skidchy little thing with a terrible background form '45 when I was born just as the Red Army took our country with Roosevelt's permission, I will think about remarriage..

Like

lab st barths human Research - PHASE OUT -roller--- so I cannot talk about what I know Princess diana..and other stuff--oddly I dont talk, yet by pushing it I DO!!!

stole my Pakistani Lahore bank book- Last February whilst I was in USA - father of one of the girls, Naima stole all the money, withdrew it.. RESTRAINED BY LAB AND MINISTRY =JOBS ETC INCASE THEY FOUND OUT WHAT THEY HAD DONE TO MY 12 YEAR OLD SON-- In England this is called a RESTRICTED LIFE to cover the guilty-prostitute of the Minisitry men and Lords. who made her bossess of the lab as a present.-…

All reactions:

1Anikohencz Art

[nwbeerguide]

Tickets on sale for this year's Cider Summit Seattle, hosted September 8th and 9th.

image sourced from Cider Summit Seattle

Press Release

(SEATTLE –– July 12, 2023) –– The annual Cider Summit Seattle, the region’s largest hard cider tasting festival, is coming back, this time with an even more diverse range of product selections. Cider Summit Seattle will take place Friday, September 8 from 3 – 8 p.m. (VIP session at 2 p.m.) and Saturday, September 9 from noon – 5 p.m. at Lake Union Park @ MOHAI, 860 Terry Ave. N., adjacent to The Museum of History & Industry. Attendees can also purchase access to a hosted, four-course pairing that will take place from 11 a.m. – 12 p.m on Saturday, September 9. The tasting will feature sips from Finnriver Cider and bites from Cypress Grove Cheese and Salt Blade Hand Crafted Meats.

“We are thrilled to be returning to the beautiful Lake Union Park for our 12th annual festival,” said Alan Shapiro, Cider Summit co-founder and producer. “Each year we look forward to bringing new ciders and flavors of the Pacific Northwest for our attendees to savor.”

Presented by Teku Tavern + Café, more than 50 cideries convene at Cider Summit to share over 150 ciders, meads, cider cocktails, and fruit spirits from Pacific Northwest favorites to international classics – nearly half of which have not previously been poured at the event. Many cidermakers will be on hand to guide guests through tasting experiences.

“Gathering with friends to discover an array of new ciders is a quintessential way to welcome fall,” said Michelle McGrath, CEO of the American Cider Association. “A crisp cider paired with artisan foods and a view of Lake Union makes for the perfect September day.”  

Tickets are on sale now

General admission and VIP tickets are now available online for purchase until September 7, 2023.

VIP tickets – $45+ if purchased by July 31 and $50+ after. This experience includes a festival tasting glass, early entry on Sept. 8, and 16 tasting tickets.

General admission tickets – $35+ if purchased by July 31, $40+ through Sept. 7 and $55 at the gate – include a festival tasting glass and 12 tasting tickets.

Cider, cheese, & charcuterie tasting – available for $35+ as an add-on to any ticket purchase and includes access to a hosted, four-course tasting event on Saturday beginning at 11:00 am. This event is limited to 72 participants and will feature a surprise bonus tasting.

Designated driver tickets – available for $10 only at the gate and include a bottle of water. Minors are not allowed at the festival.

Taxes and fees not included. Advance-sale tickets will be available exclusively online. Additional tasting tickets are available onsite at $2 per ticket. 

Food and More Fun

Eats are available for purchase from Seattle Monster Dogs and Frelard Tamales, along with additional onsite snacks.

Oregon Fruit Products Fruit Cider Challenge, with voting via QR code to determine winner.

Cider Cocktail Lounge featuring a variety of fruit spirits, pommeau and more!

Heritage Cider Pavilion featuring farm-based regional artisanal cider producers.

Stop by the Dog Lounge hosted by Just Food for Dogs and benefiting Seattle Humane Society for shade, water, and treats. Well-behaved dogs on leash are welcome!

Event store featuring bottles and cans to-go, festival merch, and extra tasting tickets.

About Cider Summit

Founded over a dozen years ago, Cider Summit produces cider tasting festivals in Seattle, Portland, San Francisco, and Chicago. Cider Summit Seattle is sponsored by Teku Tavern + Café, Amazon, Oregon Fruit Products, Umpqua Bank, Just Food for Dogs, and NW Beverages. Media partners include The Stranger, CIDERCRAFT Magazine, iHeart Media, and KEXP. Our event beneficiaries include The Institute for Myeloma & Bone Cancer Research, , Seattle Humane, and NW Cider Association. Learn more at CiderSummit.com and follow @CiderSummit on social media and join the conversation with #CiderSummitSEA.

###

from Northwest Beer Guide - News - The Northwest Beer Guide https://bit.ly/44Fppnf

[sudeepkedar]

Identity and Access Management Market Growth Potential & Forecast, 2032

As per a recent research report, Identity and Access Management Market to surpass USD 45 Bn by 2032.

Identity and Access Management (IAM) Market is projected to expand exponentially through 2032. The growth is credited to the rising digitization, which has increased the adoption of connected device technology, including IoT, BYOD, and cloud computing. These devices offer improved productivity, reduced hardware costs, and enhanced employee satisfaction, further augmenting the demand for IAM solutions.

Request for Sample Copy report @ https://www.gminsights.com/request-sample/detail/176

In addition, increased mobile penetration, rising demand for employee mobility software, and the rising importance of mobility service management are also expected to drive the IAM market expansion by 2032.

 The IT infrastructure and its operation have undergone a significant change given the expanding digitization and technical breakthroughs. Besides, given the growing mergers and acquisitions or geographic divisions, organizations operating in identity and access management industry are introducing more advanced solutions, enabling them to secure a competitive edge. However, integrating these multiple processes is expensive, time-consuming, and risky, which is expected to act as a barrier for market expansion.

Nevertheless, the rising demand for cloud computing technology has led to minimizing the reliance on network access controls and increased dependence on logical access control solutions provided by IAM, which is further estimated to escalate the market growth by 2032.

Overall, the identity and access management (IAM) market is bifurcated in terms of solution, deployment model, application, and regional outlook.

Considering the solution, the provisioning solution segment is expected to register 11.5% CAGR by 2032. The software offers augmented identity and access management features to clients, employees, and partners, which assists them in attaining the provisioning and de-provisioning of computing resources. Besides, the rising demand for efficient provisioning solutions and the traction of security and risk mitigation solutions are expected to propel market growth.

Request for customization this report @ https://www.gminsights.com/roc/176

Considering the application, the BFSI segment is anticipated to witness massive growth over the forecast period. IAM solutions are critical for creating secure and reliable IT security in the banking sector. The segment held more than 19.5% revenue share in 2022.

Regionally, the North America IAM market share is anticipated to grow by 11% CAGR over 2023-2032. The growth will be attributed to the rising adoption of connected devices including IoT, BYOD, and cloud computing and the increasing use of mobile applications in the region. In addition, stringent programs and investments made by the government in R&D to discover the best practices for protecting user data will be a contributing factor in the regional expansion.

About Global Market Insights:

Global Market Insights, Inc., headquartered in Delaware, U.S., is a global market research and consulting service provider; offering syndicated and custom research reports along with growth consulting services. Our business intelligence and industry research reports offer clients with penetrative insights and actionable market data specially designed and presented to aid strategic decision making. These exhaustive reports are designed via a proprietary research methodology and are available for key industries such as chemicals, advanced materials, technology, renewable energy and biotechnology.

Contact us:

Aashit Tiwari Corporate Sales, USA Global Market Insights Inc. Toll Free: +1-888-689-0688 USA: +1-302-846-7766 Europe: +44-742-759-8484 APAC: +65-3129-7718 Email: sales@gminsights.com  

[goldiers1]

Secretary Blinken Statement Before US - EU Energy Council Meeting

  Official Statement by Antony J. Blinken, Secretary for the US Department of State.

SECRETARY BLINKEN: High Representative Borrell, Josep, thank you. Thank you for bringing us together today and for continuing an ongoing discussion, an ongoing action that we’ve had with the United States and the European Union on an issue that’s critical in the lives of all of our fellow citizens. I’m very much looking forward to pursuing the discussion we actually began earlier this morning. It’s great to be joined, Tobias, by you, Commissioner Simson, our Deputy Secretary of Energy Dave Turk. Very good to be with everyone this morning. When this council met on February 7th, 2022, Russia was on the verge of invading Ukraine. Europe was on the verge of an energy crisis. President Putin bet that his threat of stopping gas supplies would deter Europe and the world from standing up to his aggression against Ukraine. He was wrong. He then doubled down – stopping natural gas supplies to many European countries, dramatically reducing flows to others, forcing record-high prices on millions in Europe and around the world. He sought to wipe out Ukraine’s critical energy infrastructure – damaging or destroying 50 percent of Ukraine’s grid, leaving millions without reliable power and heat. And again – he failed. Ukraine stands – and stands strong. Europe stands – and stands strong. The world is reducing its dependence on Russian energy, accelerating the transition to the green economy. This is possible, in no small part, because of the partnership between the United States and the European Union. The US - EU Energy Council has worked as never before to help make Europe more energy secure. The United States has more than doubled our supply of natural gas to the continent – exporting 56 billion cubic meters of liquefied natural gas last year. Because of these and other efforts, Russia’s natural gas only accounted for about 16 percent of the EU’s natural gas imports by the end of 2022 – compared to 37 percent in March of 2022. And as I mentioned, our supplies went up more than twofold – over 140 percent increase between 2021 and 2022. The EU’s leadership has been vital in this shift – for example, with its Save the Gas for a Safe Winter program, through which citizens voluntarily lowered their electricity use and used more energy efficient appliances. These and other efforts contributed to a 19 percent reduction in natural gas demand between August of 2022 and January of 2023. We accelerated, as I mentioned, the clean energy transition. The US - EU Task Force on Energy Security is helping our governments and private sector partners share information to boost energy efficiency and diversify supply, like deploying more heat pumps and smart thermostats.  

Wind turbine farm. Photo by World Bank Photo Collection. Flickr.   Here, too, the European Union has shown remarkable leadership, increasing its goal of energy from renewables from 40 percent to 45 percent by 2030. EU countries added roughly 50 gigawatts of wind and solar capacity last year – which together generated more electricity than natural gas in 2022. Last year, the United States passed the Inflation Reduction Act, the largest climate investment in American history, and we’re heartened that Europe too is working on ambitious clean energy incentives. Through the Clean Energy Incentives Dialogue, which President Biden and President von der Leyen launched last month, we are working together to make sure that these efforts are mutually reenforcing, so that our incentives create a positive feedback loop of innovation, investment for energy transition, jobs for our people. We also come together to support Ukraine’s energy needs. Together, the EU, the U.S., and our G7+ partners have delivered more than 4,000 power generators, 1,000 transformers, and more than 5 million pieces of equipment, like circuit breakers and cables, to help repair and replace the country’s battered energy grid.  

War in Ukraine keep the pressure up on Russia and aim for energy independence. Photo by European Parliament. Wikimedia.   Today, we’ll talk about ways to continue rebuilding Ukraine’s energy infrastructure. We’ll also talk about our shared work to deploy new technologies like clean hydrogen and carbon capture and storage, among other efforts, to advance the energy transition across Europe and the United States. These collective efforts are directly benefiting people on both sides of the Atlantic through more affordable, more reliable energy, good-paying jobs, and a safer, more sustainable future. Today’s discussions will bring us one step closer to that future, and like everyone, I’m eager to get the conversation started. So again, Josep, thanks so much for having us here today, and I look forward to our discussions.   Sources: THX News & US Department of State. Read the full article

[uniskytechnologies]

What is Synthetic Monitoring and how it maximises your App Performance?

Businesses are becoming increasingly digital-focused in today’s market environment. The online ecosystem is the new normal for providing services, selling products and more importantly, successful online transactions. For a smoother flow of such transactions, synthetic monitoring (STM) is essential to ensure the application’s performance and generate value outside of your digital assets.

What is Synthetic Monitoring?

Synthetic monitoring is a method for analysing the performance of business applications by simulating a path across the application functionalities. It is enabled by defining a route that has several checkpoints. When an end-user goes through the route, each checkpoint indicates the performance metrics to ensure the functionalities are working.

As a result, you have all the KPIs to make alterations to the application code. The paths are consistently monitored for regular improvements to enhance uptime. End-user synthetic monitoring has now become a common practice for business applications with transactional traffic. Thus, it is one of the most crucial IT components for banking and financial apps.

It is also known as directed monitoring as well as active monitoring.

Here are some stats related to application performance and synthetic monitoring.

45% of respondents indicated IT service recovery in 2019 took greater than 12 hours. – Uptime Institute Report

Globally, $126,000 per hour is the average revenue lost due to downtime. – Digital Enterprise Journal

The Synthetic Monitoring market was $838.5 million in 2020. It is growing at a CAGR of 15.2% from 2021 to 2026. By 2026, it can reach $1944.705 million. – Mordor Intelligence

Online businesses worldwide are considering synthetic monitoring as a significant impetus to advance their applications and solve IT issues to maintain a robust uptime. In particular, banking and finance companies are taking a keen interest in investing more in monitoring services to make the most out of their digital assets.

How does STM maximise application performance?

Synthetic monitoring proactively watches over your APIs, websites, web, mobile and SaaS applications, even during low-traffic periods, and alerts your operations team in case of performance degradation or availability issues.

STM also plays a key role in understanding the performance limitations of your application. Your customers have realistic expectations and automated monitoring techniques fail to deliver real-time resolution. Synthetic monitoring by an end-user may be complex but it surely maximises your application performance by providing real-time data so that you deliver active responses to solve technical issues.

Managing Compliance and Third-Party Integrations

Despite your digital infrastructure, your business app requires third-party integration to serve transaction requests from multiple sources. This is where synthetic monitoring ensures the reliability and compatibility of the third party. For your application to perform smoothly, you need consistent observation of third-party apps, follow the compliance and get real-time alerts.

Preventing Transaction Failure

Synthetic monitoring helps to prevent an unsuccessful transaction like no other technique. Analysing the previous errors along with accurate incident data in hand, resolving any transactional error is quicker when you have a monitoring partner specialising in STM and end-user analytics. It also includes constant API monitoring with a real user perspective, instant reporting of technical issues, and rechecking the applied measures to prevent transaction failure.

Why should you outsource Synthetic Monitoring?

Unsuccessful transactions due to app failure adversely impact your bottom-line growth. Most of the business applications in the BFSI sector are outsourcing monitoring to a reliable partner with both automation-driven agility and real user analysis to stay one step ahead.

With a significant rise in investments for monitoring globally, businesses are keen to explore new opportunities by understanding application capabilities and error patterns. Your synthetic monitoring strategy should be a blend of rich data analytics and real-time responses to streamline seamless transactions.

Unisky Technologies focuses on Synthetic Monitoring, API Monitoring, Web Performance Monitoring, 

App Performance Monitoring, Cloud Monitoring, Network Monitoring, Real User Monitoring, 

Remote Monitoring and Automated Testing.

Visit www.uniskytechnologies.com to know more.

Also, check our article on eCommerce apps with live monitoring that will help you attain a smoother customer experience.

Synthetic website monitoring, website performance monitoring, application performance monitoring, cloud monitoring, network monitoring, real user monitoring, remote monitoring, API monitoring, automated testing, monitoring tools

Synthetic website monitoring,

website performance monitoring,

application performance monitoring,

cloud monitoring,

network monitoring,

real user monitoring,

remote monitoring,

API monitoring,

automated testing,

monitoring tools

[paynxt360]

Pine Labs reports strong revenue growth under its gift card business vertical

Gift cards have emerged as a strong payment tool during the global pandemic outbreak, with the adoption of digital vouchers surging among consumers across the Asian markets. The growing shift towards gift cards as a payment tool has, therefore, led to strong revenue growth for fintech firms like Pine Labs, which generated a third of its revenue through the gift card business vertical.

During the financial year ending March 2022, Pine Labs reported revenue growth of 59% in its gift card business vertical. The segment that turned out to be the second highest income generator for the firm reported a revenue of INR 3.37 billion, which is 33.1% of its total collection.

The core product offering of Pine Labs, a point of sale (PoS) solution, accounted for 60.5% of the total revenue. During the FY 2022 period, the segment reported a growth of 38.8% compared to FY 2021. For the financial year, the revenue from the business vertical reached INR 6.15 billion. As per the financial statements of the firm, the fintech startup managed to go past INR 10 billion in operating revenues during FY 2022, reporting a growth of 40.7% compared to the year before, when the operating revenue stood at INR 7.26 billion.

In India, Pine Labs is the top issuer of prepaid payment instrument providers. According to a report from the Reserve Bank of India (RBI), the firm had issued more than 185 million gift cards and loyalty cards in the country, as of November 2022. This trend is projected to further continue in 2023, as the firm keeps strengthening its offerings across employee rewards, customer loyalty programs, and channel partner programs for small and large enterprises, through acquisition deals.

In 2020, Pine Labs acquired Fave, the Southeast Asian fintech firm, for a total of US$45 million in a cash and stock deal. Fave, which offers vouchers, gift cards, and deals, generated a revenue of INR 650 million in FY 2022. In 2023, the firm made further acquisitions to boost the growth of its gift card business vertical.

In January 2023, the firm announced the acquisition of India-based Saluto Wellness Private Limited. The acquisition will enable the firm to further strengthen the position of its Qwikcilver brand, the gift card vertical, across India as well as in the Southeast Asian region.

With the addition of Saluto Wellness under its umbrella of services and product offerings, Pine Labs is projected to further drive its revenue growth from the short-term perspective. Notably, the firm has been on an acquisition spree over the last 12 months. Along with Saluto Wellness, the firm also acquired Qfix, Mosambee, and Setu. These acquisitions are part of the firm’s strategy to diversify revenue by offering various software and value-added services. PayNXT360 expects the firm to enter into more acquisition deals, as the funding winter continues to provide lucrative buyout opportunities in the global fintech market.

To capitalize on the growing adoption of gift card solutions among consumers, the fintech firm is also expanding its presence aggressively in the global market. For instance,

In January 2023, Pine Labs announced that the firm is expanding its presence with the launch of its services in the United Arab Emirates market. Through strategic alliances with local banks and financial institutions, the firm is seeking to tap into the high-growth opportunity offered by the Emirati market. Pine Labs also partnered with Kalyan Jewellers, which has a strong presence in the Emirates and is also popular among the Indian expat community.

The gift card industry in the Emirati market is growing at a rapid pace and the entry of Pine is projected to further drive the competitive landscape in the country. Several players, including YOUGotAGift, are competing for market share in the fast-growing gift card industry in the Emirates. In February 2023, YOUGotAGift also announced that the firm had raised US$3 million from Tenami Capital, which the firm plans to use for expanding its presence in the Middle East market.

For Pine Labs, the growing presence in new markets, coupled with a strategic acquisition to strengthen its industry position, will keep assisting revenue growth. Furthermore, it will also enable the firm to place itself strategically to break even from the short to medium-term perspective, thereby making the public offering even more lucrative for investors around the world.

To know more and gain a deeper understanding of the gift card market in India, click here.