This e-book is an insightful summary of building the best-in-class credit scoring model capable of streamlining information, reducing bad debt, and predicting bankruptcy.
Graydon's Tips on how to improve your business credit rating. By following a few simple tips, you can improve your business credit report, give more confidence to your suppliers, achieve better credit terms, trade more and achieve better business image.
Business credit accounts for a business’s ability to pay back its debts, not the owner’s. It is not subject to the Fair Credit Reporting Act and creditors consider your business credit scores and and payment history
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
Graydon's Tips on how to improve your business credit rating. By following a few simple tips, you can improve your business credit report, give more confidence to your suppliers, achieve better credit terms, trade more and achieve better business image.
Business credit accounts for a business’s ability to pay back its debts, not the owner’s. It is not subject to the Fair Credit Reporting Act and creditors consider your business credit scores and and payment history
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
A safe approach to growing your loan book in wealth managementRockall Technologies
A white paper on a safe approach to increasing your loan book in wealth management. The paper will discuss the ways in which your loan book can be increased salely and in line with regulation and compliance.
For more information please see: http://www.rockalltech.com/banking/wealth-management
Trade Credit Insurance White Paper December 2008jlebendig
Get our most recent white paper...An Overview of Trade Credit Insurance here. Great reading, insightful and it will answer more of your questions. Don\'t have credit insurance yet? What are you waiting for? Contact me to discuss your options for protecting your company.
White Paper: From Accounts Receivable to Smarter ReceivablesMoretonSmith
This paper sets-out MoretonSmith’s Smarter Receivables concept and describes how it can be pursued to implement the optimum balance of people, process and technology, in order to achieve transformational insights, efficiency and effectiveness in accounts receivable.
Let’s Talk: How to build a strong business credit profile?maziarforoudian1
The goal is always to have good credit, but it becomes much more important when it comes to business credit. New businesses must establish good credit since it makes it easier to secure capital and may qualify them for better terms from vendors.
Furthermore, some B2B goods and services may have a prepayment obligation and a strong credit rating, which can be used to negotiate with suppliers and vendors. Now that we’ve established the importance of a strong business credit score let’s look at how you can cultivate one from the bottom up.
In this week’s Let’s Talk, we asked experts how to develop a great company credit profile.
Are credit reports damaging your business? Changes to regulations are affecting corporate credit scores. What can you do to improve your credit rating and win new business?
Do you know how your business credit scores are calculated? Learn more here and get started toward understanding and raising your business credit scores so you can get funding for your business.
Embark on a transformative journey with our latest eBook, "Revolutionize Your Finances," your go-to guide for unlocking the full potential of Accounts Receivable Automation Software.
Get Your Copy Today and Elevate Your Financial Game! 🌟
Ratio Analysis and Business Performance – Why Should I Care – Part 2?McKonly & Asbury, LLP
The webinar is hosted by David Blain, Partner and Director of McKonly & Asbury’s Entrepreneurial Services Group, and Eric Fischer, Benefits Advisor at American Family Life Assurance Company of Columbus (Aflac).
This webinar is a continuation of the first webinar hosted on May 30, 2019. This webinar focuses on debt covenant and leverage ratios most used and reviewed by banks and other lending institutions. The webinar also focuses on how banks and lending institutions view these ratios and how to best prepare and present your business for compliance with these ratios.
Recievable Management in FMCG Sector:A sSudy of Selected Compniesprofessionalpanorama
The current study has tried to examine the sources used by the companies to finance their working capital requirements and to analyse and evaluate the receivables management. The present work therefore is a modest attempt in this direction by undertaking a study of Receivables Management. The study has also examined the liquidity position of companies. The study analysed the liquidity position of a limited sample consisting of five companies i.e. Nestle, HUL, Britannia, ITC and Dabur. The study of liquidity position is based only on one tool i.e. Ratio Analysis. Further the study is based on last 10 years Annual Reports of selected companies taken into consideration. As only FMCG sector was studied so the findings could only be generalised to this sector’s firms. Study of receivables management is very crucial for all firms. Unless the working capital is planned, managed and monitored effectively, company cannot earn profit and increase its turnover and it also helps in removing bottlenecks. Many companies go under because of cash flow issues, rather than declining profitability. Hence, traditional prudence always suggests that a firm should have sufficient cash to cover its immediate liabilities. However, there is a growing breed of FMCG companies that claim otherwise. Unlike most other industries, the turnover of a FMCG company is not limited by its ability to produce, but its ability to sell. They can generate cash so quickly they actually have a negative working capital. This happens because customers pay upfront and so rapidly, the business has no problem raising cash (like Nestle, Britannia). In these companies products are delivered and sold to the customer before the company even pays for them. A negative working capital is a sign of managerial efficiency in a business with low inventory and accounts receivables (which means it operates on an almost strictly cash basis). In other situation, it is a sign a company may be facing bankruptcy or serious financial trouble.
It is hardly true that financial inclusion gaps forced countries around the world to explore the potential of digital financial services and fintech companies allow leapfrogging of traditional brick-and-mortar banking services. As per the study conducted by the World Bank, access to affordable financial services is critical for poverty reduction and economic growth. At the macro level, countries with deeper, more developed financial systems can allocate capital and risks more efficiently and consequently enjoy higher economic growth and larger reductions in poverty and income inequality. At the micro level, financial inclusions—access to and use of basic financial services—can reduce poverty, increase resilience and improve the lives of the poor. Digital financial services bridge the financial inclusion gaps and enhance economic growth. Fueled by the explosive growth of mobile phones, digital financial services (DFS) leverage technology to offer new forms of financial accounts that provide secure options for storing, transferring, and accumulating money. Hence, digital financial services are becoming accessible and affordable to all individuals and businesses through digital financial channels which ultimately boosts financial inclusion.
The contribution of digital financial service in alleviating constraints to financial access is quite immense. The emergence of mobile money, platform eco systems and open application programming interfaces (APIs) uplifted the digital financial service at the global level and impacted the level of financial inclusion. Yet in many emerging economies today, the majority of individuals and small businesses lack access to even basic savings and credit products, which hinders economic growth and perpetuates poverty. Financial exclusion is at the forefront in the list of the challenges which inhibit the growth of many economies around the globe.
Digital financial services enable financial institutions to provide convenient self-service saving and credit products. Traditional saving and lending processes are being replaced by quick and painless digital processes and helps to enhance digital customer centric experience.
Looking the relevance of digital financial service to financial inclusion, the government of Ethiopia is undertaking digital transformation to boost the economy and the necessary regulations have been crafted to create conducive environment. As per the study conducted by national bank of Ethiopia, only 35% of the population is financially included and the remaining 65% of the population is excluded from financial service. Needless to mention, digital financial services would allow financial institutions to outreach financially excluded segments of the population. Increasing digital adoption, digital payment offerings, ease of regulation to attract new entrants, and a growing fintech community are the main drivers of digital transformation in Ethiopia. As part of easing regulations, the government of
Low-interest rates mean that P&C leadership teams are facing increasing pressure to generate heftier margins from their underwriting operations. More at http://gt-us.co/1japuAu
18 proven ways to help your business loan application succeedMerchant Advisors
Filling out a business loan application can be intimidating for most businesses. Here are some proven ways to help you get your loan application succeed. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loan-application/
A safe approach to growing your loan book in wealth managementRockall Technologies
A white paper on a safe approach to increasing your loan book in wealth management. The paper will discuss the ways in which your loan book can be increased salely and in line with regulation and compliance.
For more information please see: http://www.rockalltech.com/banking/wealth-management
Trade Credit Insurance White Paper December 2008jlebendig
Get our most recent white paper...An Overview of Trade Credit Insurance here. Great reading, insightful and it will answer more of your questions. Don\'t have credit insurance yet? What are you waiting for? Contact me to discuss your options for protecting your company.
White Paper: From Accounts Receivable to Smarter ReceivablesMoretonSmith
This paper sets-out MoretonSmith’s Smarter Receivables concept and describes how it can be pursued to implement the optimum balance of people, process and technology, in order to achieve transformational insights, efficiency and effectiveness in accounts receivable.
Let’s Talk: How to build a strong business credit profile?maziarforoudian1
The goal is always to have good credit, but it becomes much more important when it comes to business credit. New businesses must establish good credit since it makes it easier to secure capital and may qualify them for better terms from vendors.
Furthermore, some B2B goods and services may have a prepayment obligation and a strong credit rating, which can be used to negotiate with suppliers and vendors. Now that we’ve established the importance of a strong business credit score let’s look at how you can cultivate one from the bottom up.
In this week’s Let’s Talk, we asked experts how to develop a great company credit profile.
Are credit reports damaging your business? Changes to regulations are affecting corporate credit scores. What can you do to improve your credit rating and win new business?
Do you know how your business credit scores are calculated? Learn more here and get started toward understanding and raising your business credit scores so you can get funding for your business.
Embark on a transformative journey with our latest eBook, "Revolutionize Your Finances," your go-to guide for unlocking the full potential of Accounts Receivable Automation Software.
Get Your Copy Today and Elevate Your Financial Game! 🌟
Ratio Analysis and Business Performance – Why Should I Care – Part 2?McKonly & Asbury, LLP
The webinar is hosted by David Blain, Partner and Director of McKonly & Asbury’s Entrepreneurial Services Group, and Eric Fischer, Benefits Advisor at American Family Life Assurance Company of Columbus (Aflac).
This webinar is a continuation of the first webinar hosted on May 30, 2019. This webinar focuses on debt covenant and leverage ratios most used and reviewed by banks and other lending institutions. The webinar also focuses on how banks and lending institutions view these ratios and how to best prepare and present your business for compliance with these ratios.
Recievable Management in FMCG Sector:A sSudy of Selected Compniesprofessionalpanorama
The current study has tried to examine the sources used by the companies to finance their working capital requirements and to analyse and evaluate the receivables management. The present work therefore is a modest attempt in this direction by undertaking a study of Receivables Management. The study has also examined the liquidity position of companies. The study analysed the liquidity position of a limited sample consisting of five companies i.e. Nestle, HUL, Britannia, ITC and Dabur. The study of liquidity position is based only on one tool i.e. Ratio Analysis. Further the study is based on last 10 years Annual Reports of selected companies taken into consideration. As only FMCG sector was studied so the findings could only be generalised to this sector’s firms. Study of receivables management is very crucial for all firms. Unless the working capital is planned, managed and monitored effectively, company cannot earn profit and increase its turnover and it also helps in removing bottlenecks. Many companies go under because of cash flow issues, rather than declining profitability. Hence, traditional prudence always suggests that a firm should have sufficient cash to cover its immediate liabilities. However, there is a growing breed of FMCG companies that claim otherwise. Unlike most other industries, the turnover of a FMCG company is not limited by its ability to produce, but its ability to sell. They can generate cash so quickly they actually have a negative working capital. This happens because customers pay upfront and so rapidly, the business has no problem raising cash (like Nestle, Britannia). In these companies products are delivered and sold to the customer before the company even pays for them. A negative working capital is a sign of managerial efficiency in a business with low inventory and accounts receivables (which means it operates on an almost strictly cash basis). In other situation, it is a sign a company may be facing bankruptcy or serious financial trouble.
It is hardly true that financial inclusion gaps forced countries around the world to explore the potential of digital financial services and fintech companies allow leapfrogging of traditional brick-and-mortar banking services. As per the study conducted by the World Bank, access to affordable financial services is critical for poverty reduction and economic growth. At the macro level, countries with deeper, more developed financial systems can allocate capital and risks more efficiently and consequently enjoy higher economic growth and larger reductions in poverty and income inequality. At the micro level, financial inclusions—access to and use of basic financial services—can reduce poverty, increase resilience and improve the lives of the poor. Digital financial services bridge the financial inclusion gaps and enhance economic growth. Fueled by the explosive growth of mobile phones, digital financial services (DFS) leverage technology to offer new forms of financial accounts that provide secure options for storing, transferring, and accumulating money. Hence, digital financial services are becoming accessible and affordable to all individuals and businesses through digital financial channels which ultimately boosts financial inclusion.
The contribution of digital financial service in alleviating constraints to financial access is quite immense. The emergence of mobile money, platform eco systems and open application programming interfaces (APIs) uplifted the digital financial service at the global level and impacted the level of financial inclusion. Yet in many emerging economies today, the majority of individuals and small businesses lack access to even basic savings and credit products, which hinders economic growth and perpetuates poverty. Financial exclusion is at the forefront in the list of the challenges which inhibit the growth of many economies around the globe.
Digital financial services enable financial institutions to provide convenient self-service saving and credit products. Traditional saving and lending processes are being replaced by quick and painless digital processes and helps to enhance digital customer centric experience.
Looking the relevance of digital financial service to financial inclusion, the government of Ethiopia is undertaking digital transformation to boost the economy and the necessary regulations have been crafted to create conducive environment. As per the study conducted by national bank of Ethiopia, only 35% of the population is financially included and the remaining 65% of the population is excluded from financial service. Needless to mention, digital financial services would allow financial institutions to outreach financially excluded segments of the population. Increasing digital adoption, digital payment offerings, ease of regulation to attract new entrants, and a growing fintech community are the main drivers of digital transformation in Ethiopia. As part of easing regulations, the government of
Low-interest rates mean that P&C leadership teams are facing increasing pressure to generate heftier margins from their underwriting operations. More at http://gt-us.co/1japuAu
18 proven ways to help your business loan application succeedMerchant Advisors
Filling out a business loan application can be intimidating for most businesses. Here are some proven ways to help you get your loan application succeed. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loan-application/
Similar to 15 Key Parameters for Your B2B Credit Scoring Model (20)
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A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
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Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
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The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
Smart TV Buyer Insights Survey 2024 by 91mobiles.pdf91mobiles
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In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.