Connect with us

Top Stories

EUROPE

Published

on

EUROPE

By Robert Greil, Chief Strategist, Merck Finck & Co

More than a half-decade after the start of the global financial crisis, Europe continues to struggle, although we expect to see accelerating growth from late 2015 onwards – as talk of the “Japanification” of Europe will begin to recede. The eurozone outlook remains most positive for former crisis countries, while the UK will also continue to outperform.

2014 marked a return to positive growth for the 18-nation eurozone economy, which grew 0.8% on an annualized basis in the third quarter of 2014 and is expected to expand by the same percentage for the full year, according to the European Commission (EC).

In November 2014, the EC said it anticipated 1.1% eurozone growth in 2015 (which we believe will be slightly higher, at 1.2%), followed by 1.7% expansion in 2016 – still below pre-crisis growth rates of around 2%.

While eurozone domestic demand and investment are increasing slightly, doubts remain about the breadth of overall recovery, especially in light of weakening confidence indicators and some disappointing hard-data trends in the fall of 2014.

SUPPLY & DEMAND

Moving forward, domestic demand will remain crucial to accelerated growth – particularly as the strength of EU exports continues to be affected by geopolitical risk factors, especially in Russia.

It is worth noting that, to date, the impact of the Russian crisis on EU exports has been limited: Russia’s share of total EU exports stands at below 5%, and demand for Western European products declined by a manageable 14% during the first phase of the crisis.

Even if the direct impact on overall trade is relatively small in absolute terms, the potential negative influence on economic confidence remains an important risk factor.

At the same time, EU exports also remain vulnerable to the underlying weakness of emerging market economies such as Brazil (which is expected to witness growth of barely 0.25% in 2014).

Nevertheless, relatively high-growth regions like the US and large parts of Asia, including China, continue to support demand for EU products, as does the ongoing weakness of the euro. That trend is counterbalanced by sluggish export demand within the eurozone.

Turning to key domestic markets, Germany and France, the eurozone’s two largest economies, narrowly avoided recession in the third quarter of 2014: on a quarter-on-quarter basis, Germany scraped past with 0.1% growth and France recorded 0.3% expansion, mainly due to public spending.

Despite recent economic indicators that have sparked concern among policy-makers, German consumer confidence remains high – supported by the country’s robust labor market. The country is expected to post full-year 2014 growth of 1.3%.

France, the second-largest EU economy, while continuing to suffer from unclear economic policies and very low levels of business confidence, nevertheless grew faster than expected in the third quarter of 2014, making it more likely that the Hollande government would achieve its full-year growth target of 0.4%. The country is expected to record modest 0.7% GDP growth in 2015, as private consumption remains subdued and investment further contracts.

In Italy, the Renzi administration has been raising new hopes for badly needed structural reforms that have not yet been realized. Partly as a consequence of that delay, after forecasting in May 2014 that annual Italian growth would reach 0.6%, by November the EC had slashed its full-year forecast to 0.4% contraction.

In relative terms, the eurozone outlook is unquestionably most positive for former crisis countries. Spain – which faces general elections in the fall of 2015 that may see considerably stronger support for populists – continues to reap the benefits of structural change, including in key areas such as the labor market.

Indeed, the country’s unemployment rate declined to 23.7% in the third quarter of 2014, down from 24.5% in the previous quarter and representing the lowest level in three years. The overall economy is simultaneously moving in the right direction, with 2014 marking a return to positive growth of roughly 1%, expected to increase to 1.7% in 2015.

The outlook is also markedly improved in Portugal and Greece, both of which face key elections in 2015 – including a Greek presidential vote that could trigger advanced parliamentary elections and change the current pro-euro political landscape in Athens. While such elections could provoke a revival of the euro crisis, we regard the overall risk of such a scenario as low.

Finally, the EU’s fastest-growing economy deserves special mention: after being bailed out in 2010, Ireland is expected by the European Commission to expand by 4.6% in 2014. Almost as importantly, the country’s budget deficit is shrinking, and should fall to 2.9% in 2015.

Outside the eurozone, the UK will continue to outperform, with GDP forecast to expand by 3.5% in 2014 and 2.9% in 2015, according to the Bank of England, although we believe that these figures may be overly optimistic and expect 2015 GDP to expand by 2.6%.

Reflecting ongoing positive base trends in both consumption and investments, the services-dominated UK economy should nevertheless witness robust 2015 growth, slightly below 2014 levels but still healthy in light of normalizing indicators from very high levels.

While the US Federal Reserve is expected to be the first major central bank to increase its key rate (sometime around mid-2015), the Bank of England will likely come a close second, following on the heels of the Fed.

Robert Greil

Robert Greil

The European Central Bank (ECB) decided in January to extend its ABS and Covered Bond buying program to sovereign and supranational bonds starting in March – and to purchase €60 billion in these bonds monthly until at least September 2016, resulting in an overall volume of €1.14 trillion. Supported by this considerable money printing, Mario Draghi hopes to prevent longer deflationary trends in the eurozone as well as to support the banks’ credit lending – especially to small and mid-sized companies in periphery countries.

Based on early lending trend improvements, ECB measures should gradually accelerate the bank credit cycle over the course of 2015. That trend will be supported by increasing European consumer confidence levels, decreasing unemployment levels (expected to decline at least slightly from the 11.5% level recorded in October 2014), ongoing wage increases and greater optimism among entrepreneurs on the back of positive demand.

Moving forward, both eurozone household spending and investments should rise moderately. As a consequence, we expect to see increased credit demand. Nevertheless, until money starts flowing rapidly into the real economy – as it is in the US and Japan – significant amounts of capital will continue to find a home in financial markets.

Together with slowly improving monetary aggregates, the still widespread deflationary environment, especially in the European periphery, will not recede overnight. However, the situation should normalize, supported by the likely stabilization of commodity prices.

We expect this to result in an average 1.0% inflation rate in 2015 – while consumer price increases will likely remain close to 2% in the UK. Therefore, deflationary concerns should fade over 2015 in most parts of Western Europe, and no longer represent a core concern by year’s end.

BUDGET DEFICITS

The ECB continues to buy time for governments to enact necessary structural changes, relieving the pressure on them to take quick and decisive action. For that reason, the eurozone’s core problem – widespread high budget deficits – will certainly not be solved in 2015.

Indeed, at a time when the appetite for austerity measures is very limited, European structural reforms are likely to continue to disappoint. That is made especially clear when decision-makers like International Monetary Fund (IMF) Managing Director Christine Lagarde call for the EU to consider relaxing its Maastricht rule that debt-to-GDP ratios may not exceed 60%. (It is worth noting that, EU-wide, debt-to-GDP ratios averaged 93% in mid-2014.)

As well as the relaxation of Maastricht criteria, Lagarde, among others, has also been encouraging greater public investments, which are now in the pipeline, including the EU’s new plan to initiate €300 billion in investments over the next three years and the German state’s intentions to invest €10 billion through 2018. Expect further such programs to be announced in the coming months.

Such public investments – together with slowly improving labor-market conditions, lower commodity prices and an ongoing weak single currency – support our view of stronger growth over the coming years.

We see the foundation for slightly increased optimism about the 2015 outlook for Europe, including accelerating growth dynamics from late 2015 onwards.

Indeed, in 2015, the eurozone should be characterized by moderately positive trends, especially in the second half, making 1.2% annual growth a realistic scenario, despite slightly lower projections by the EC, which said in November 2014 that the single-currency area should nevertheless reach 1.7% annual growth by 2016. In the meantime, we expect to see a change from deflationary worries to normalizing price trends, mirrored by a slight rise in inflation.

Talk of the “Japanification” of Europe will therefore most likely recede in 2015. Instead, as inflation expectations slowly rise, the threat of reduced purchasing power could begin to return to the European agenda – as it already has in the UK, where, in real terms, cash in savings accounts has lost almost one-fifth of its purchasing power since 2009.

In any case, debate in the UK will continue to be dominated by a very different set of topics, including the likely turn in the interest-rate cycle and a potential EU exit, depending on the outcome of May 2015 parliamentary elections that could result in much greater influence for anti-Europe groups such as the UK Independence Party (Ukip).

Top Stories

Lockdown 2.0 – Here’s how to be the best-looking person in the virtual room

Published

on

Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 1

By Jeff Carlson, author of The Photographer’s Guide to Luminar 4 and Take Control of Your Digital Photos

suggests “the product you’re creating is not the camera, the lens or a webcam’s clever industrial design. It’s the subject, you, which is just on e part of the entire image they see. You want that image to convey quality, not convenience.”

Technology experts at Reincubate saw an opportunity in the rise of remote-working video calls and developed the app, Camo, to improve the video quality of our webcam calls. As part of this, they consulted the digital photography expert and author, Jeff Carlson, to reveal how we can look our best online. 

It’s clear by now that COVID-19 has normalised remote working, but as part of this the importance of video calls has risen exponentially. While we’re all used to seeing the more casual sides of our colleagues (t-shirt and shorts, anyone?), poor webcam quality is slightly less forgivable.

But how can we improve how we look on video? We consulted Jeff Carlson for some top tips– here is what he had to say.

  1. Improve the picture quality of your call

The better your camera, the higher quality your webcam calls will be. Most webcams (as well as currently being hard to get hold of and expensive), are subpar. A DSLR setup will give you the best picture, but will cost $1,500+. You can also use your iPhone’s amazing camera as a webcam, using the new app from Reincubate, Camo.

Jeff’s comments “The iPhone’s camera system features dedicated coprocessors for evaluating and adjusting the image in real time. Apple has put a tremendous amount of work into its imaging software as a way to compensate for the necessarily small camera sensors. Although it all works in service of creating stills and video, you get the same benefits when using the iPhone as a webcam.”

Aidan Fitzpatrick, CEO of Reincubate explains why the team created Camo, “Earlier this year our team moved to working remotely, and in video calls everyone looked pretty bad, irrespective of whether they were on built-in Mac webcams or third-party ones. Thus began my journey to build Camo: an iPhone has one of the world’s best cameras in it, so could we make it work as a webcam? Category-leading webcams are noticeably worse than an iPhone 7. This makes sense: six weeks of Apple’s R&D spend tops Logitech’s annual gross revenue.”

  1. Place your camera at eye level

A video call will never quite be the same as a face-to-face conversation, but bringing your camera up to eye level is a good place to start. That can involve putting your laptop on a stand or pile of books, mounting a webcam to the top of your display screen, or even using a tripod to get the perfect position.

Jeff points out, “If the camera is looking down on you, you’ll appear minimized in the frame; if it’s looking up, you’re inviting people to focus on your chin, neck, or nostrils. Most important, positioning the camera off your eye level is a distraction. Look them in the eye, even if they’re miles or continents away.

Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 2

Low camera placement from a MacBook

  1. Make the most of natural lighting

Be aware of the lighting in the room and move yourself to face natural lighting if you can. Positioning the camera so any natural light is behind you takes the light away from your face, which can make it harder to see and read expressions on a call.

Jeff Carlson’s top tip: “If the light from outside is too harsh, diffuse it and create softer shadows by tacking up a white sheet or a stand-alone diffuser over the window.” 

Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 3Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 4

Backlit against a window Facing natural light

  1. Use supplementary lighting like ring lights

The downside to natural lighting is that you’re at the mercy of the elements: if it’s too bright you’ll have the sun in your eyes, if it’s too dark you won’t be well lit.

Jeff recommends adding supplementary lighting if you’re looking to really enhance your video calls. After all, it looks like remote working will be carrying on for quite some time.

“The light can be just as easy as a household or inexpensive work light. Angle the light so it’s bouncing off a wall or the ceiling, depending on your work area, which, again, diffuses the light and makes it more flattering.

Or, for a little money, use a softbox or a shoot-through umbrella with daylight bulbs (5500K temperature), or if space is tight, LED panels. Larger lights are better for distributing illumination– don’t be afraid to get them in close to you. Placement depends on the look you’re going after; start by positioning one at a 45-degree angle in front and to the side of you, which lights most of your face while retaining nice shadow detail.” 

In some cases, a ring light may work best. LEDs are arranged in a circle, with space in the middle to put the camera’s lens and get direct illumination from the direction of the camera.

  1. Centre yourself in the frame

Make sure you’re getting the right angle and that you’re using the frame effectively.

“You should aim for people to see your head and part of your torso, not all the space between your hair and the ceiling. Leave a little space above your head so it’s not cut off, but not enough that someone’s eyes are going to drift there.”

  1. Be mindful of your backdrop

It’s not always easy to get the quiet space needed for video calls when working from home, but try as best you can to remove anything too distracting from your background.

“Get rid of clutter or anything that’s distracting or unprofessional, because you can bet that will be the second thing the viewers notice after they see you. (The Twitter account @RateMySkypeRoom is an amusing ongoing commentary on the environments people on television are connecting from.)”

A busy background as seen by a webcam

  1. Make the most of virtual backgrounds

If you’re really struggling with finding a background that looks professional, try using a virtual background.

Jeff suggests: “Some apps can identify your presence in the scene and create a live mask that enables you to use an entirely different image to cover the background. While it’s a fun feature, the quality of the masking is still rudimentary, even with a green screen background that makes this sort of keying more accurate.”

  1. Be aware of your audio settings

Our laptop webcams, cameras, and mobile phones all include microphones, but if it’s at all possible, use a separate microphone instead.

“That can be an inexpensive lavalier mic, a USB microphone, or a set of iPhone earbuds. You can also get wireless lavalier models if you’re moving around during a call, such as presenting at a whiteboard in the camera’s field of view.

The idea is to get the microphone closer to your mouth so it’s recording what you say, not other sounds or echoes in the room. If you type during meetings, mount the mic on an arm instead of resting it on the same surface as your keyboard.”

  1. Be wary of video app add-ons

Video apps like Zoom include a ‘Touch up your appearance’ option in the Video settings. This applies a skin-smoothing filter to your face, but more often than not, the end result looks artificially blurry instead of smooth.

“Zoom also includes settings for suppressing persistent and intermittent background noise, and echo cancellation. They’re all set to Auto by default, but you can choose how aggressive or not the feature is.”

  1. Be the best looking person in the virtual room

What’s important to remember about video calls at this point in time is that most people are new to what is, really, personal broadcasting. That means you can easily get an edge, just by adopting a few suggestions in this article. When your video and audio quality improves, people will take notice.

Continue Reading

Top Stories

Bringing finance into the 21st Century – How COVID and collaboration are catalysing digital transformation

Published

on

Bringing finance into the 21st Century – How COVID and collaboration are catalysing digital transformation 5

By Keith Phillips, CEO of TISATech

If just six or seven months ago someone had told you that in a matter of weeks people around the world would be locked down in their homes, trying to navigate modern work systems from a prehistoric laptop, bickering with family over who’s hogging the Wi-Fi, migrating online to manage all financial services digitally, all while washing their hands every five minutes in fear of a global pandemic… You’d think they had lost their mind. But this very quickly became the reality for huge swathes of the world and we’re about to go through that all over again as the UK government has asked that those who can work from home should.

Unsurprisingly, statistics show that lockdown restrictions introduced by the UK government in March, led to a sharp increase in people adopting digital services. Banks encouraged its customers to log onto online banking, as they limited (and eventually halted) services at branches. This forced many customers online as their primary means of managing personal finances for the first time.

If anyone had doubts before, the Covid-19 pandemic proved to us the importance of well-functioning, effective digital financial services platforms, for both financial institutions and the people using them.

But with this sudden mass online migration, it’s become clear that traditional banks have struggled to keep up with servicing clients virtually. Legacy banking systems have always stilted the digitisation of financial services, but the pandemic thrust this issue into the limelight. Fintech firms, which focus intently on digital and mobile services, knew it was only a matter of time before financial institutions’ reliance was to increase at an unprecedented rate.

For years, fintechs have been called upon by traditional players to find solutions to problems borne from those clunky legacy systems, like manual completion of account changes and money transfers. Now it is the demand for these services to be online coupled with the need for financial services firms to cut costs, since Covid-19 hit the economy.

Covid-19 has catalysed the urgent need to bring digital transformation to a wider pool of financial services businesses. Customers now have even higher expectations of larger institutions, demanding that they keep up with what the younger and more nimble challengers have to offer. Industry leaders realise that they must transform their businesses as soon as possible, by streamlining and digitising operations to compete and, ultimately, improve services for their customers.

The race for digital acceleration began far before the recent pandemic – in fact, following the 2008 financial crisis is likely more accurate. Since the credit crunch, there has been a wave of new fintech firms, full of young, bright techies looking to be the next big thing. Fintechs have marketed themselves hard at big conferences and expos or by hosting ‘hackathons’, trying to prove themselves as the fastest, most innovative or the most vital to the future of the industry.

However, even during this period where accelerating innovation in online financial services and legacy systems is crucial, the conditions brought about by the pandemic have not been conducive to this much-needed transformation.

The second issue, which again was clear far before the pandemic, is that fact that no matter how nimble or clever the fintechs’ solutions are, it is still hard to implement the solutions seamlessly, as the sector is highly fragmented with banks using extremely outdated systems populated with vast amounts of data.

With the significance of the pandemic becoming more and more clear, and the need for better digital products and services becoming more crucial to financial services firms and consumers by the day, the industry has finally come together to provide a solution.

The TISAtech project was launched last month by The Investing and Saving Alliance (TISA), a membership organisation in the UK with more than 200 leading financial institutions as members. TISA asked The Disruption House, a specialist benchmarking and data analytics business, to create a clearing house platform for the industry to help it more effectively integrate new financial technology. The project aims to enhance products and services while reducing friction and ultimately lowering costs which are passed on to the customers.

With nearly 4,000 fintechs from around the world participating, it will be the world’s largest marketplace dedicated to Open Finance, Savings, and Investment.

Not only will it provide a ‘matchmaking’ service between financial institutions an fintechs, it will also host a sandbox environment. Financial institutions can pose real problems with real data and the fintechs are given the space to race to the bottom – to find the most constructive, cost-effective solution.

Yes, there are other marketplaces, but they all seem to struggle to achieve a return on investment. There is a genuine need for the ‘Trivago’ of financial technology – a one stop shop, run by an independent body, which can do more than just matchmaking. It needs to go above and beyond to encompass the sandboxing, assessments, profiling of fintechs to separate the wheat from the chaff, and provide a space for true collaboration.

The pandemic has taught us that we are more effective if we work together. We need mass support and collaboration to find solutions to problems. Businesses and industries are no different. If fintechs and financial institutions can work together, there is a real chance that we can start to lessen the economic hit for many businesses and consumers by lowering costs and streamlining better services and products. And even if it is just making it that little bit easier to manage personal finances from home when fighting with your children for the Wi-Fi, we are making a difference.

Continue Reading

Top Stories

What to Know Before You Expand Across Borders

Published

on

What to Know Before You Expand Across Borders 6

By Sean King, Director of International Tax at McGuire Sponsel

The American retail giant, Target Corporation, has a market cap of $64 billion and access to seemingly limitless resources and advisors. So, when the company engaged in its first global expansion, how could anything possibly go wrong?

Less than two years after opening its first Canadian store in 2013, Target shut down all133 Canadian locations and terminated more than 17,000 Canadian employees.

Expansion of an operation to another country can create unique challenges that may impact the financial viability of the entire enterprise. If Target Corporation can colossally fail in its expansion to Canada, how might Mom ‘N’ Pop LLC fare when expanding into Switzerland, Singapore, or Australia?

Successful global expansion requires an understanding of multilayered taxes, regulatory hurdles, employment laws, and cultural nuances. Fortunately, with the right guidance, global expansion can be both possible and profitable for businesses of any size.

Permanent establishment

Any company with global ambitions must first consider whether the company’s expansion outside of the U.S. will give rise to a taxable presence in the local country. In the cross-border context, a “permanent establishment” can be created in a local country when the enterprise reaches a certain level of activity, which is problematic because it exposes the U.S. multinational to taxation in the foreign country.

Foreign entity incorporation

To avoid permanent establishment risk, many U.S. multinationals choose to operate overseas through a formal corporate subsidiary, which reduces the company’s foreign income tax exposure, though it may result in an additional level of foreign income tax on the subsidiary’s earnings. In most jurisdictions, multinationals can operate their business in the foreign country as a branch, a pass through (e.g., partnership,) or a corporation.

As a branch, the U.S. multinational does not create a subsidiary in the foreign country. It holds assets, employees, and bank accounts under its own name. With a pass through, the U.S. multinational creates a separate entity in the foreign country that is treated as a partnership under the tax law of the foreign country but not necessarily as a partnership under U.S. tax law.

U.S. multinationals can also create corporate subsidiaries in the foreign country treated as corporations under the tax law of both the foreign country and the U.S., with possibly two levels of income taxation in the foreign country plus U.S. income taxation of earnings repatriated to the U.S. as dividends.

Check-the-box planning

Under U.S. entity classification rules, certain types of entities can “check the box” to elect their classification to be taxed as a corporation with two levels of tax, a partnership with pass-through taxation, or even be disregarded for U.S. federal income tax purposes. The check the box election allows U.S. multinationals to engage in more effective global tax planning.

Toll charges, transfer pricing and treaties

When establishing a foreign corporate subsidiary, the U.S. multinational will likely need to transfer certain assets to the new entity to make it fully operational. However, in many cases, the U.S. multinational cannot perform the transfer without recognizing taxable income. In the international context, the IRS imposes certain outbound “toll charges” on the transfer of appreciated property to a foreign entity, which are usually provided for in IRC Section 367 and subject to various exceptions and nuances.

Instead, the U.S. multinational may prefer to license intellectual property to the foreign subsidiary for a fee rather than transfer the property outright. However, licensing requires the company and foreign subsidiary to adhere to transfer pricing rules, as dictated by IRC Section 482. The U.S. multinational and the foreign subsidiary must interact in an arms-length manner regarding pricing and economic terms. Furthermore, any such arrangement may attract withholding taxes when royalties are paid across a border.

Are you GILTI?

Certain U.S. multinationals opt to focus on deferring the income recognition at the U.S. level. In doing so, they simply leave overseas profits overseas and delay repatriating any of the earnings to the U.S.

Despite the general merits of this form of planning, U.S. multinationals will be subject to certain IRS anti-deferral mechanisms, commonly known as “Subpart F” and GILTI. Essentially, U.S. shareholders of certain foreign corporations are forced to recognize their pro rata share of certain types of income generated by these foreign entities at the time the income is earned instead of waiting until the foreign entity formally repatriates the income to the U.S.

The end goal

Essentially, all effective international tax planning boils down to treasury management. Effective and early tax planning can properly allow a company to better achieve its initial goal: profitability.

If global expansion is on the horizon for your company, consult a licensed professional for advice concerning your specific situation.

Continue Reading
Editorial & Advertiser disclosureOur website provides you with information, news, press releases, Opinion and advertorials on various financial products and services. This is not to be considered as financial advice and should be considered only for information purposes. We cannot guarantee the accuracy or applicability of any information provided with respect to your individual or personal circumstances. Please seek Professional advice from a qualified professional before making any financial decisions. We link to various third party websites, affiliate sales networks, and may link to our advertising partners websites. Though we are tied up with various advertising and affiliate networks, this does not affect our analysis or opinion. When you view or click on certain links available on our articles, our partners may compensate us for displaying the content to you, or make a purchase or fill a form. This will not incur any additional charges to you. To make things simpler for you to identity or distinguish sponsored articles or links, you may consider all articles or links hosted on our site as a partner endorsed link.

Call For Entries

Global Banking and Finance Review Awards Nominations 2020
2020 Global Banking & Finance Awards now open. Click Here

Latest Articles

The importance of app-based commerce to hospitality in the new normal 7 The importance of app-based commerce to hospitality in the new normal 8
Technology2 days ago

The importance of app-based commerce to hospitality in the new normal

By Jeremy Nicholds CEO, Judopay As society adapts to the rapidly changing “new normal” of working and socialising, many businesses...

The Psychology Behind a Strong Security Culture in the Financial Sector 9 The Psychology Behind a Strong Security Culture in the Financial Sector 10
Finance2 days ago

The Psychology Behind a Strong Security Culture in the Financial Sector

By Javvad Malik, Security Awareness Advocate at KnowBe4 Banks and financial industries are quite literally where the money is, positioning...

How open banking can drive innovation and growth in a post-COVID world 11 How open banking can drive innovation and growth in a post-COVID world 12
Banking2 days ago

How open banking can drive innovation and growth in a post-COVID world

By Billel Ridelle, CEO at Sweep Times are pretty tough for businesses right now. For SMEs in particular, a global financial...

How to use data to protect and power your business 13 How to use data to protect and power your business 14
Business2 days ago

How to use data to protect and power your business

By Dave Parker, Group Head of Data Governance, Arrow Global Employees need to access data to do their jobs. But...

How business leaders can find the right balance between human and bot when investing in AI 15 How business leaders can find the right balance between human and bot when investing in AI 16
Business2 days ago

How business leaders can find the right balance between human and bot when investing in AI

By Andrew White is the ANZ Country Manager of business transformation solutions provider, Signavio The digital world moves quickly. From...

Has lockdown marked the end of cash as we know it? 17 Has lockdown marked the end of cash as we know it? 18
Finance2 days ago

Has lockdown marked the end of cash as we know it?

By James Booth, VP of Payment Partnerships EMEA, PPRO Since the start of the pandemic, businesses around the world have...

Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 19 Lockdown 2.0 – Here's how to be the best-looking person in the virtual room 20
Top Stories2 days ago

Lockdown 2.0 – Here’s how to be the best-looking person in the virtual room

By Jeff Carlson, author of The Photographer’s Guide to Luminar 4 and Take Control of Your Digital Photos suggests “the product you’re creating is...

Banks take note: Customers want to pay with points 24 Banks take note: Customers want to pay with points 25
Banking2 days ago

Banks take note: Customers want to pay with points

By Len Covello, Chief Technology Officer of Engage People ‘Pay with Points’ – that is, integrating the ability to pay...

Are you a fighter or a freezer? The 4 “F’s” of Surviving Danger 26 Are you a fighter or a freezer? The 4 “F’s” of Surviving Danger 27
Business2 days ago

Are you a fighter or a freezer? The 4 “F’s” of Surviving Danger

By Dr.Roger Firestien, Author of Create In a Flash. The fight, flight, freeze survival response – or FFF for short...

Why the FemTech sector might be the sustainability saviour we have been waiting for 28 Why the FemTech sector might be the sustainability saviour we have been waiting for 29
Technology2 days ago

Why the FemTech sector might be the sustainability saviour we have been waiting for

By Kristy Chong, CEO & Founder Modibodi ® Taking single use plastics out of circulation is no easy feat, but...

Newsletters with Secrets & Analysis. Subscribe Now