During the Nigeria Economic Summit, the Africa Collective sat down with Temi Popoola Chief Executive Officer of the Nigerian Exchange Limited where he shared insights into the role of the Nigerian stock exchange and his vision for a more pan-African approach.

A growing commitment to taking a pan-African view: Interview with Temi Popoola, CEO, Nigerian Exchange Limited

When PayPal Holdings reports third quarter earnings on Nov. 1, it'll give new Chief Executive Alex Chriss his first chance to lay out his turnaround strategy.

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Royal Bank of Canada: Earnings And Dividend Gem, Buy Rating Reaffirmed

The second largest US lender Bank of America Corp. on Tuesday reported robust earnings for third quarter on better-than-expected performance of its investment banking and trading divisions.

Bank of America Q3 earnings: Net income jumps 10% at $7.8 billion

Bank of America on Tuesday posted second-quarter profit and revenue that edged out expectations as the company reaped more ... This month, the Consumer Financial Protection Bureau said it fined ...

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Get the most recent info and news about Bank of America on HackerNoon, where 10k+ technologists publish stories for 4M+ monthly readers.

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.

Bank of America

The State of The Market — October 31, 2018 : $6,327.21 (-0.15%) : $197.85 (+0.25%) : $0.4453 (+0.10%) BTC ETH XRP The cryptocurrency market is staging a very slow recovery. Bitcoin still trades below $6,400 and the $6,200 resistance has been well defended by bulls. Ethereum remains below $200 and $190-$195 is proving to be a strong support zone. XRP has remained relatively stable and currently trades for $0.4453. Currently, the total market cap is $203.2 billion. In other news, the As a result, Nasdaq customers will gain access to a blockchain system that will streamline the process for matching buyers and sellers as well as the delivery, payment, and settlement of transactions. Also, The fintech firms focus on mobile-payments technology primarily in emerging markets like India and Brazil. Nasdaq and Microsoft signed a partnership for blockchain services in the financial markets. Warren Buffett’s Berkshire Hathaway invested $600 million in fintech firms. As a result, the firm is exploring a relationship with the soon-to-launch regulated cryptocurrency exchange Bakkt, Abacus Journal reports. The article, which was retweeted by Fundstrat Co-Founder Thomas Lee, suggests that while the bank may not be a “first mover” in Bitcoin, JPMorgan’s clients will likely eventually gain access to BTC through Bakkt. Fundstrat’s Lee tweeted: “Highlights how Bakkt is providing the security/compliance/reputation needed to truly attract large financial institutions to crypto, previously concerned about reputation risk.” ( ) 1) Despite Jamie Dimon’s disdain for cryptocurrencies, JPMorgan, the bank at which he is CEO, is fielding requests from clients for ways to access digital currencies. Read More A source familiar to the matter has stated that a “small number of clients” have been enrolled to actively trade the new, non-deliverable forward derivative, which is a cash-settled product similar to a futures contract. The source also refuted rumors that the bank was exploring a similar product for Ethereum, saying that the bank is not currently pursuing the creation of an Ether derivative. ( ) 2) Goldman Sachs, one of the largest investment banks in the world, has covertly started to sign up a limited number of its customers for its upcoming Bitcoin trading product. Read More One interesting feature outlined in the abstract is the ability of the storage device to delete the private cryptography key(s) held on the device from memory if the device receives a signal that physical or non-physical tampering is taking place. ( ) 3) Bank of America recently had a patent approved that details a new way to store cryptographic keys in yet another example that while the big banks may put down cryptocurrencies in the press, they are actively exploring and developing the technology behind the scenes. Read More Subscribe to the Berminal Brief Newsletter Download Berminal App for Free The Berminal Website Berminal Official Telegram Berminal Twitter

Goldman Sachs is Quietly Enrolling Clients for its Bitcoin Trading Product and Bank of America…

ATLANTA, Georgia, October 30th, 2024/CyberNewsWire/--White House National Cyber Director, CEOs, Key Financial Services Companies, Congressional and Executive Branch Experts will discuss industry priorities for 2025 and beyond The American Transaction Processors Coalition (ATPC) Cyber Council will convene “The Tie that Binds: A 21st Century Cybersecurity Dialogue,” on October 31, 2024, at the Bank of America Financial Center Tower’s Convention Hall in Atlanta. This event will feature leading cyber experts from the financial services sector, Federal agencies, the White House, and Congress to focus on pressing cybersecurity issues and ways the financial services sector is addressing these issues. It will include discussions on evolving technologies that will influence the path forward, the role of AI, supply chain security needs, and more. “Cybersecurity is the backbone of the payment processing industry,” said H. West Richards, ATPC executive director. “The work of the ATPC Cyber Council is a testament to our commitment to safeguarding our financial ecosystem and fostering a collaborative approach to tackling the cybersecurity challenges of tomorrow.” Key Speakers and Highlights: The Honorable Harry Coker, Jr., White House National Cyber Director, will deliver the luncheon keynote.
The Honorable Rich McCormick (R-GA-06) will deliver a keynote address.
Moira Bergin, Subcommittee on Cybersecurity Staff Director, House Committee on Homeland Security, will discuss legislative priorities and global cybersecurity risks.
The Honorable Andre Dickens, Mayor of Atlanta, will provide a video address.
Barry McCarthy, CEO of Deluxe and Chair of the ATPC Board of Directors, will also deliver a keynote.
Bridgette Walsh, Executive Director of the Financial Services Sector Coordinating Council, and Josh Magri, Founder & CEO of Cyber Risk Institute, will participate in a fireside discussion on private sector best practices.
A panel on AI in financial services will feature Clarissa Banks (Deluxe), David Excell (Featurespace), David King (Mastercard), and Donna Teevens (ACI Worldwide), moderated by Rick Van Luvender.
A panel on cyber education will include Dr. Tony Coulson (CSUSB), Dr. Albena Asenova-Belal (Gwinnett Technical College), Dr. Humayun Zafar (Kennesaw State University), and Dr. Michael Nowatkowski (Augusta University).
H. West Richards, ATPC Executive Director, will open the event with a welcome address.
Rick Van Luvender, ATPC Cyber Council Chair & SVP, Head of Cybersecurity Client Trust & International Cybersecurity Service at Fiserv, will deliver the opening remarks.
Norma Krayem, ATPC Cyber Council Director & Vice President, Chair of the Cybersecurity, Privacy & Digital Innovation Practice Group at Van Scoyoc Associates, will provide insights on future cybersecurity trends. The forum will conclude with a fireside chat focused on “A Look to the Future: 2025: Top Cybersecurity and Critical Technology Priorities for the ATPC Cyber Council,” featuring Rick Van Luvender from Fiserv and Norma Krayem, the ATPC Cyber Council director, focusing on future cybersecurity and critical technology priorities. Conference details are available at https://atpcoalition.com/atpc-cyber-forum/. ATPC is a leading voice for America’s payments processors, consisting of the world’s largest, global payment processors, banks, credit card companies and financial services companies. ATPC member companies are uniquely positioned to ensure global payments move seamlessly across the world, while empowering broader and more diverse participation within the financial services system. In the race for a better tomorrow, technology solutions can advance faster than companies can keep up with cybersecurity risks. As a result, the ATPC is one of the few coalitions that created a standalone Cybersecurity Council to prioritize these key cybersecurity issues across its member companies. The ATPC Cyber Council is a unique group made up of only CISOs, CSOs, CIOs and CTOs who are on the front lines every day dealing with the operational impacts of cybersecurity. These U.S. based companies serve hundreds of millions of customer businesses across the globe daily and process hundreds of billions of transactions per year. About the ATPC The ATPC is a leading voice for America’s payments processors, driving awareness of the industry and its value to consumers, businesses, and the economy with legislators and regulators at federal, state, and international levels. The ATPC is rooted in Georgia’s Transaction Alley where electronic payments and the fintech industry began. Yet, our members enable payments in states across the nation and in every corner of the globe. The ATPC has a rich history of economic development, thought leadership, and engagement on legislative and regulatory topics like cybersecurity, privacy, financial inclusion, fraud, as well as emerging themes like open banking, AI, and stable coins. About the ATPC Cyber Council The American Transaction Processors Coalition (ATPC) established a dedicated Cyber Council to galvanize the efforts of the ATPC member companies in addressing cybersecurity risks. The Cyber Council’s mission is to identify best practices and areas of shared risk to help ATPC members address the evolving cyber threat across America’s payments processing system to strengthen industry’s ability to identify, protect, detect, respond to and recover from cyberattacks. Contact Alison Watson Golin awatson@golin.com This story was distributed as a release by Cybernewswire under HackerNoon’s Business Blogging Program. Learn more about the program here ATLANTA, Georgia, October 30th, 2024/CyberNewsWire/--White House National Cyber Director, CEOs, Key Financial Services Companies, Congressional and Executive Branch Experts will discuss industry priorities for 2025 and beyond The American Transaction Processors Coalition (ATPC) Cyber Council will convene “The Tie that Binds: A 21st Century Cybersecurity Dialogue,” on October 31, 2024, at the Bank of America Financial Center Tower’s Convention Hall in Atlanta. This event will feature leading cyber experts from the financial services sector, Federal agencies, the White House, and Congress to focus on pressing cybersecurity issues and ways the financial services sector is addressing these issues. It will include discussions on evolving technologies that will influence the path forward, the role of AI, supply chain security needs, and more. “Cybersecurity is the backbone of the payment processing industry,” said H. West Richards, ATPC executive director. “The work of the ATPC Cyber Council is a testament to our commitment to safeguarding our financial ecosystem and fostering a collaborative approach to tackling the cybersecurity challenges of tomorrow.” “Cybersecurity is the backbone of the payment processing industry,” said H. West Richards, ATPC executive director. “The work of the ATPC Cyber Council is a testament to our commitment to safeguarding our financial ecosystem and fostering a collaborative approach to tackling the cybersecurity challenges of tomorrow.” Key Speakers and Highlights: The Honorable Harry Coker, Jr., White House National Cyber Director, will deliver the luncheon keynote. The Honorable Rich McCormick (R-GA-06) will deliver a keynote address. Moira Bergin, Subcommittee on Cybersecurity Staff Director, House Committee on Homeland Security, will discuss legislative priorities and global cybersecurity risks. The Honorable Andre Dickens, Mayor of Atlanta, will provide a video address. Barry McCarthy, CEO of Deluxe and Chair of the ATPC Board of Directors, will also deliver a keynote. Bridgette Walsh, Executive Director of the Financial Services Sector Coordinating Council, and Josh Magri, Founder & CEO of Cyber Risk Institute, will participate in a fireside discussion on private sector best practices. A panel on AI in financial services will feature Clarissa Banks (Deluxe), David Excell (Featurespace), David King (Mastercard), and Donna Teevens (ACI Worldwide), moderated by Rick Van Luvender. A panel on cyber education will include Dr. Tony Coulson (CSUSB), Dr. Albena Asenova-Belal (Gwinnett Technical College), Dr. Humayun Zafar (Kennesaw State University), and Dr. Michael Nowatkowski (Augusta University). H. West Richards, ATPC Executive Director, will open the event with a welcome address. Rick Van Luvender, ATPC Cyber Council Chair & SVP, Head of Cybersecurity Client Trust & International Cybersecurity Service at Fiserv, will deliver the opening remarks. Norma Krayem, ATPC Cyber Council Director & Vice President, Chair of the Cybersecurity, Privacy & Digital Innovation Practice Group at Van Scoyoc Associates, will provide insights on future cybersecurity trends. The Honorable Harry Coker, Jr., White House National Cyber Director, will deliver the luncheon keynote. The Honorable Rich McCormick (R-GA-06) will deliver a keynote address. Moira Bergin, Subcommittee on Cybersecurity Staff Director, House Committee on Homeland Security, will discuss legislative priorities and global cybersecurity risks. The Honorable Andre Dickens, Mayor of Atlanta, will provide a video address. Barry McCarthy, CEO of Deluxe and Chair of the ATPC Board of Directors, will also deliver a keynote. Bridgette Walsh, Executive Director of the Financial Services Sector Coordinating Council, and Josh Magri, Founder & CEO of Cyber Risk Institute, will participate in a fireside discussion on private sector best practices. A panel on AI in financial services will feature Clarissa Banks (Deluxe), David Excell (Featurespace), David King (Mastercard), and Donna Teevens (ACI Worldwide), moderated by Rick Van Luvender. A panel on cyber education will include Dr. Tony Coulson (CSUSB), Dr. Albena Asenova-Belal (Gwinnett Technical College), Dr. Humayun Zafar (Kennesaw State University), and Dr. Michael Nowatkowski (Augusta University). H. West Richards, ATPC Executive Director, will open the event with a welcome address. Rick Van Luvender, ATPC Cyber Council Chair & SVP, Head of Cybersecurity Client Trust & International Cybersecurity Service at Fiserv, will deliver the opening remarks. Norma Krayem, ATPC Cyber Council Director & Vice President, Chair of the Cybersecurity, Privacy & Digital Innovation Practice Group at Van Scoyoc Associates, will provide insights on future cybersecurity trends. The forum will conclude with a fireside chat focused on “A Look to the Future: 2025: Top Cybersecurity and Critical Technology Priorities for the ATPC Cyber Council,” featuring Rick Van Luvender from Fiserv and Norma Krayem, the ATPC Cyber Council director, focusing on future cybersecurity and critical technology priorities. Conference details are available at https://atpcoalition.com/atpc-cyber-forum/. https://atpcoalition.com/atpc-cyber-forum/. https://atpcoalition.com/atpc-cyber-forum/. ATPC is a leading voice for America’s payments processors, consisting of the world’s largest, global payment processors, banks, credit card companies and financial services companies. ATPC member companies are uniquely positioned to ensure global payments move seamlessly across the world, while empowering broader and more diverse participation within the financial services system. In the race for a better tomorrow, technology solutions can advance faster than companies can keep up with cybersecurity risks. As a result, the ATPC is one of the few coalitions that created a standalone Cybersecurity Council to prioritize these key cybersecurity issues across its member companies. The ATPC Cyber Council is a unique group made up of only CISOs, CSOs, CIOs and CTOs who are on the front lines every day dealing with the operational impacts of cybersecurity. These U.S. based companies serve hundreds of millions of customer businesses across the globe daily and process hundreds of billions of transactions per year. About the ATPC The ATPC is a leading voice for America’s payments processors, driving awareness of the industry and its value to consumers, businesses, and the economy with legislators and regulators at federal, state, and international levels. ATPC ATPC The ATPC is rooted in Georgia’s Transaction Alley where electronic payments and the fintech industry began. Yet, our members enable payments in states across the nation and in every corner of the globe. The ATPC has a rich history of economic development, thought leadership, and engagement on legislative and regulatory topics like cybersecurity, privacy, financial inclusion, fraud, as well as emerging themes like open banking, AI, and stable coins. About the ATPC Cyber Council The American Transaction Processors Coalition (ATPC) established a dedicated Cyber Council to galvanize the efforts of the ATPC member companies in addressing cybersecurity risks. American Transaction Processors Coalition (ATPC) American Transaction Processors Coalition (ATPC) The Cyber Council’s mission is to identify best practices and areas of shared risk to help ATPC members address the evolving cyber threat across America’s payments processing system to strengthen industry’s ability to identify, protect, detect, respond to and recover from cyberattacks. Contact Alison Watson Golin awatson@golin.com This story was distributed as a release by Cybernewswire under HackerNoon’s Business Blogging Program. Learn more about the program here This story was distributed as a release by Cybernewswire under HackerNoon’s Business Blogging Program. Learn more about the program here here

ATPC Cyber Forum To Focus On Next Generation Cybersecurity And Artificial Intelligence Issues

ATPC Kiberforumu növbəti nəsil kibertəhlükəsizlik və süni intellekt məsələlərinə diqqət yetirəcək

Το ATPC Cyber Forum θα επικεντρωθεί σε ζητήματα κυβερνοασφάλειας και τεχνητής νοημοσύνης επόμενης γενιάς

El Foro Cibernético ATPC se centrará en cuestiones de ciberseguridad e inteligencia artificial de próxima generación

ATPC Cyber Forum para centrarse en cuestións de ciberseguridade e intelixencia artificial de próxima xeración

ATPC Cyber Forum fokusirat će se na kibernetičku sigurnost sljedeće generacije i pitanja umjetne inteligencije

ATPC Cyber Forum Pou Konsantre sou Pwochen Jenerasyon Sibèsekirite ak Pwoblèm Entèlijans Atifisyèl

ATPC サイバーフォーラム、次世代サイバーセキュリティと人工知能の問題に焦点を当てる

វេទិកា ATPC Cyber Forum ដើម្បីផ្តោតលើបញ្ហាសុវត្ថិភាពតាមអ៊ីនធឺណិតជំនាន់ក្រោយ និងបញ្ហាបញ្ញាសិប្បនិម្មិត

ATPC kibernetinis forumas, skirtas naujos kartos kibernetinio saugumo ir dirbtinio intelekto problemoms

د ATPC سایبر فورم به د راتلونکي نسل سایبر امنیت او مصنوعي استخباراتو مسلو باندې تمرکز وکړي

ATPC Cyber Foramu Yekutarisa Pane Inotevera Generation Cybersecurity Uye Artificial Intelligence Nyaya

ATPC Cyber Forum ኣብ ቀፃሊ ወለዶ ሳይበር ሴኩሪቲን ኣርቲፊሻል ኢንተለጀንስን ጉዳያት ትኹረት ክገብር እዩ።

Phlomis Finance has announced its plans to offer tokenized real-world assets (RWAs) on the Chromia blockchain mainnet. This development marks a significant step forward in the convergence of traditional finance and cryptocurrency, potentially unlocking a market that McKinsey & Company projects could reach $2 trillion by 2030. Phlomis Finance, incubated by Swedish blockchain pioneer ChromaWay, is leveraging Chromia's advanced relational blockchain infrastructure and the custom-built Chromia Real World Assets Protocol (CRWA) to create a platform that promises to democratize access to institutional-grade financial instruments. By tokenizing conventional credit, debt, and equity products, Phlomis aims to remove longstanding barriers that have historically limited these opportunities to established financial institutions. "We're not just creating a new platform; we're opening up an entire world of investment opportunities that were previously out of reach for many," said Todd Miller, Managing Director of Phlomis. "Our solution addresses the scalability and cost issues that have hindered widespread adoption of RWA tokenization." A Focus on "Resilient Investing" Phlomis Finance is introducing the concept of "resilient investing" by focusing on tokenizing leading funds in Europe and Asia. This approach not only promises to bring greater transparency to transactions but also to financial and impact results, aligning with growing investor demand for sustainable and socially responsible investment options. The platform's emphasis on transparency and real-time reporting could set a new standard in the industry. Investors will have access to up-to-date financial data and impact metrics, allowing for more informed decision-making and potentially attracting a broader range of investors to these previously exclusive asset classes. Leveraging Chromia's Innovative Technology At the heart of Phlomis Finance's offering is the Chromia Real World Asset Protocol. This technology provides a solution to many of the challenges faced by current RWA platforms, including scalability issues and high transaction costs. Henrik Hjelte, co-founder of Chromia, explained the advantages of their system: "Chromia's relational blockchain allows for enhanced scalability and the ability to store complex documents on-chain. This addresses many of the limitations seen in traditional blockchain systems and opens up new possibilities for RWA tokenization." Industry Impact and Future Outlook The launch of Phlomis Finance on the Chromia mainnet comes at a time when major financial institutions are increasingly recognizing the transformative potential of blockchain technology in traditional markets. With giants like Bank of America and BlackRock already exploring similar concepts, Phlomis Finance's entry into the market could accelerate the adoption of tokenized RWAs across the financial sector. As Phlomis Finance prepares to introduce its first tokenized products in Q4 2024, the financial world will be watching closely. If successful, this initiative could pave the way for a new era of financial inclusivity, where the benefits of institutional-grade investments are accessible to a much wider range of investors. The convergence of digital assets and traditional finance, as exemplified by Phlomis Finance's innovative approach, may well be the catalyst that drives the next wave of growth and innovation in global financial markets. Don’t forget to like and share the story! Phlomis Finance has announced its plans to offer tokenized real-world assets (RWAs) on the Chromia blockchain mainnet. This development marks a significant step forward in the convergence of traditional finance and cryptocurrency, potentially unlocking a market that McKinsey & Company projects could reach $2 trillion by 2030. Phlomis Finance , incubated by Swedish blockchain pioneer ChromaWay, is leveraging Chromia's advanced relational blockchain infrastructure and the custom-built Chromia Real World Assets Protocol (CRWA) to create a platform that promises to democratize access to institutional-grade financial instruments. By tokenizing conventional credit, debt, and equity products, Phlomis aims to remove longstanding barriers that have historically limited these opportunities to established financial institutions. Phlomis Finance "We're not just creating a new platform; we're opening up an entire world of investment opportunities that were previously out of reach for many," said Todd Miller, Managing Director of Phlomis. "Our solution addresses the scalability and cost issues that have hindered widespread adoption of RWA tokenization." A Focus on "Resilient Investing" Phlomis Finance is introducing the concept of "resilient investing" by focusing on tokenizing leading funds in Europe and Asia. This approach not only promises to bring greater transparency to transactions but also to financial and impact results, aligning with growing investor demand for sustainable and socially responsible investment options. The platform's emphasis on transparency and real-time reporting could set a new standard in the industry. Investors will have access to up-to-date financial data and impact metrics, allowing for more informed decision-making and potentially attracting a broader range of investors to these previously exclusive asset classes. Leveraging Chromia's Innovative Technology At the heart of Phlomis Finance's offering is the Chromia Real World Asset Protocol. This technology provides a solution to many of the challenges faced by current RWA platforms, including scalability issues and high transaction costs. Henrik Hjelte, co-founder of Chromia, explained the advantages of their system: "Chromia's relational blockchain allows for enhanced scalability and the ability to store complex documents on-chain. This addresses many of the limitations seen in traditional blockchain systems and opens up new possibilities for RWA tokenization." Industry Impact and Future Outlook The launch of Phlomis Finance on the Chromia mainnet comes at a time when major financial institutions are increasingly recognizing the transformative potential of blockchain technology in traditional markets. With giants like Bank of America and BlackRock already exploring similar concepts, Phlomis Finance's entry into the market could accelerate the adoption of tokenized RWAs across the financial sector. As Phlomis Finance prepares to introduce its first tokenized products in Q4 2024, the financial world will be watching closely. If successful, this initiative could pave the way for a new era of financial inclusivity, where the benefits of institutional-grade investments are accessible to a much wider range of investors. The convergence of digital assets and traditional finance, as exemplified by Phlomis Finance's innovative approach, may well be the catalyst that drives the next wave of growth and innovation in global financial markets. Don’t forget to like and share the story!

Phlomis Finance Set to Transform Real-World Asset Market with Innovative Web3 Solution

Phlomis Finance se prepara para transformar el mercado de activos del mundo real con una innovadora solución Web3

Phlomis Finance-k mundu errealeko aktiboen merkatua eraldatzeko ezarri du Web3 irtenbide berritzailearekin

Phlomis Finance mete pou transfòme mache byen reyèl nan monn reyèl ak solisyon inovatè Web3

Phlomis Finance、革新的なWeb3ソリューションで現実世界の資産市場を変革へ

Phlomis Finance កំណត់ដើម្បីផ្លាស់ប្តូរទីផ្សារអចលនទ្រព្យពិភពលោកជាមួយនឹងដំណោះស្រាយ Web3 ប្រកបដោយភាពច្នៃប្រឌិត

Phlomis Finance dia napetraka hanova ny tsenan'ny fananan-tany tena izy miaraka amin'ny vahaolana Web3 vaovao

फ्लोमिस फाइनान्स अभिनव Web3 समाधान संग वास्तविक-विश्व सम्पत्ति बजार रूपान्तरण गर्न सेट

Phlomis Finance Set go Fetoša Mmaraka wa Matlotlo a Lefase la Sebele ka Tharollo ya Web3 ya Boitlhamelo

Imari ya Phlomis Yashyizweho Guhindura Isoko ryumutungo nyawo hamwe nudushya twa Web3 Igisubizo

Phlomis Finance kommer att förändra den verkliga tillgångsmarknaden med innovativ Web3-lösning

Phlomis Finance Set ku Hundzula Makete wa Nhundzu ya Misava ya Xiviri hi Xitshunxo xa Web3 xa Vutshila

Phlomis Finance innovatsion Web3 yechimi bilan real dunyo aktivlari bozorini o'zgartirish uchun mo'ljallangan

The corporate world is often compared to a marathon - steady, structured, and predictable. In contrast, start-ups can feel like a series of sprints, full of direction changes. Transitioning from the structured environment of the corporate world to the dynamic fast-paced start-up ecosystem can be daunting but incredibly rewarding. It requires a shift in mindset, a willingness to step out of your comfort zone, and the courage to embrace uncertainty. Gaby Haffner, currently the Head of Europe at Baret Scholars and former Founder of Ameli Health, has successfully navigated this transition. As a former Strategy Consultant and Investment Banker turned start-up founder. From her early roles at Bank of America Merrill Lynch to her time at Monitor Deloitte and EY, where she focused on tech and consumer companies, Gaby's experiences can offer lessons for aspiring entrepreneurs. Here, Gaby shares five actionable insights from her transition from corporate to entrepreneurship. Lesson 1: Focus on Execution Over Perfection In start-ups, speed and execution often matter more than meticulous planning. "Real-world feedback provides insights no amount of theoretical planning can match," Gaby notes. This lesson became especially clear when she founded Ameli Health, a luxury prescription skincare platform. Gaby launched a proprietary platform that integrated doctor-patient matching with pharmacy supply chains in a remarkably short timeframe. She moved fast, gathered feedback, and pivoted based on real-time market reactions. This experience contrasted sharply with her corporate experience at EY and Monitor Deloitte, where processes were more structured and detailed. "A good idea is only as valuable as the ability to execute it," Gaby emphasizes. This ability of hers has also been crucial at Baret Scholars, where she is part of the founding team who are building a pioneering education company. Lesson 2: Embrace Uncertainty Entrepreneurship demands a strong appetite for risk. "In corporate environments, things are often predictable, but in the start-up world, you need to be comfortable with uncertainty", Gaby explains. This shift means learning to thrive in ambiguity. As a founder, you're responsible for everything, from product development to finances, often pushing you well beyond your comfort zone. During her time at Ameli Health, Gaby had to quickly become proficient in areas outside her expertise, such as digital marketing and product management. This adaptability has been invaluable at Baret Scholars, where she successfully leads the digital marketing efforts. Her advice: “Growth happens in the unknown”. Lesson 3: Adopt a Growth Mindset Unlike the scarcity-driven, zero-sum thinking that often dominates corporate environments, start-ups require a growth mindset - the belief that abilities can be developed through dedication and effort. "A growth mindset allows you to embrace challenges and setbacks as opportunities for learning and growth," Gaby emphasizes. Gaby honed this mindset during her time at Farfetch, where she worked on improving revenue strategies for high-end luxury fashion clients. These experiences translated directly into her role at Baret Scholars, where she continues to apply growth-oriented strategies to drive business development. Lesson 4: Prepare for the Emotional Rollercoaster "Entrepreneurship is an emotional rollercoaster," Gaby admits. "There are extreme highs and crushing lows. You need a high pain threshold and a deep passion for what you're building to push through the tough times". In corporate roles, setbacks are often cushioned by larger organizations, but in start-ups, every challenge can feel personal. Her experience founding Ameli Health taught Gaby the resilience needed to endure the ups and downs of entrepreneurship. This emotional resilience has been crucial to her role at Baret Scholars, where she manages the pressures of scaling a start-up. Lesson 5: Constantly Seek Critique In start-ups, mediocrity is not an option. "Whatever you create must be far superior to what's already out there," Gaby emphasizes. Constantly seeking feedback from trusted sources and iterating based on that critique is key to refining a high-value product or service. At Baret Scholars, Gaby implemented a fast feedback loop early on, speaking directly to customers to refine the program’s structure. This adaptability has allowed the company to evolve its offering and offer a truly innovative product. “Listening to the market and improving based on feedback has been essential to our growth,” she notes. Gaby’s Thoughts on Entrepreneurship Gaby believes that start-ups are society’s true source of innovation and disruption. As a mentor at MassChallenge and for Fitzwilliam College, University of Cambridge’s entrepreneurship competition, she dedicates her time to supporting early-stage start-ups. The corporate world is often compared to a marathon - steady, structured, and predictable. In contrast, start-ups can feel like a series of sprints, full of direction changes. Transitioning from the structured environment of the corporate world to the dynamic fast-paced start-up ecosystem can be daunting but incredibly rewarding. It requires a shift in mindset, a willingness to step out of your comfort zone, and the courage to embrace uncertainty. Gaby Haffner , currently the Head of Europe at Baret Scholars and former Founder of Ameli Health, has successfully navigated this transition. As a former Strategy Consultant and Investment Banker turned start-up founder. From her early roles at Bank of America Merrill Lynch to her time at Monitor Deloitte and EY, where she focused on tech and consumer companies, Gaby's experiences can offer lessons for aspiring entrepreneurs. Gaby Haffner Gaby Haffner Here, Gaby shares five actionable insights from her transition from corporate to entrepreneurship. Lesson 1: Focus on Execution Over Perfection In start-ups, speed and execution often matter more than meticulous planning. "Real-world feedback provides insights no amount of theoretical planning can match," Gaby notes. This lesson became especially clear when she founded Ameli Health, a luxury prescription skincare platform. Gaby launched a proprietary platform that integrated doctor-patient matching with pharmacy supply chains in a remarkably short timeframe. She moved fast, gathered feedback, and pivoted based on real-time market reactions. This experience contrasted sharply with her corporate experience at EY and Monitor Deloitte, where processes were more structured and detailed. "A good idea is only as valuable as the ability to execute it," Gaby emphasizes. This ability of hers has also been crucial at Baret Scholars, where she is part of the founding team who are building a pioneering education company. Lesson 2: Embrace Uncertainty Entrepreneurship demands a strong appetite for risk. "In corporate environments, things are often predictable, but in the start-up world, you need to be comfortable with uncertainty", Gaby explains. This shift means learning to thrive in ambiguity. As a founder, you're responsible for everything, from product development to finances, often pushing you well beyond your comfort zone. During her time at Ameli Health, Gaby had to quickly become proficient in areas outside her expertise, such as digital marketing and product management. This adaptability has been invaluable at Baret Scholars, where she successfully leads the digital marketing efforts. Her advice: “Growth happens in the unknown”. Lesson 3: Adopt a Growth Mindset Unlike the scarcity-driven, zero-sum thinking that often dominates corporate environments, start-ups require a growth mindset - the belief that abilities can be developed through dedication and effort. "A growth mindset allows you to embrace challenges and setbacks as opportunities for learning and growth," Gaby emphasizes. Gaby honed this mindset during her time at Farfetch, where she worked on improving revenue strategies for high-end luxury fashion clients. These experiences translated directly into her role at Baret Scholars, where she continues to apply growth-oriented strategies to drive business development. Lesson 4: Prepare for the Emotional Rollercoaster "Entrepreneurship is an emotional rollercoaster," Gaby admits. "There are extreme highs and crushing lows. You need a high pain threshold and a deep passion for what you're building to push through the tough times". In corporate roles, setbacks are often cushioned by larger organizations, but in start-ups, every challenge can feel personal. Her experience founding Ameli Health taught Gaby the resilience needed to endure the ups and downs of entrepreneurship. This emotional resilience has been crucial to her role at Baret Scholars, where she manages the pressures of scaling a start-up. Lesson 5: Constantly Seek Critique In start-ups, mediocrity is not an option. "Whatever you create must be far superior to what's already out there," Gaby emphasizes. Constantly seeking feedback from trusted sources and iterating based on that critique is key to refining a high-value product or service. At Baret Scholars, Gaby implemented a fast feedback loop early on, speaking directly to customers to refine the program’s structure. This adaptability has allowed the company to evolve its offering and offer a truly innovative product. “Listening to the market and improving based on feedback has been essential to our growth,” she notes. Gaby’s Thoughts on Entrepreneurship Gaby believes that start-ups are society’s true source of innovation and disruption. As a mentor at MassChallenge and for Fitzwilliam College, University of Cambridge’s entrepreneurship competition, she dedicates her time to supporting early-stage start-ups.

Five Lessons for Transitioning From Corporate to Start-up with Gaby Haffner

Pet lekcija za prelazak iz korporativnog u start-up sa Gaby Haffner

Cinco lecciones para la transición de una empresa a una startup con Gaby Haffner

Gaby Haffner-ekin korporaziotik hasierara igarotzeko bost ikasgai

پنج درس برای انتقال از شرکت به راه اندازی با گبی هافنر

Gaby Haffnerin viisi oppituntia siirtymiseen yritystoiminnasta startup-yritykseen

कॉरपोरेट से स्टार्ट-अप में बदलाव के लिए पाँच सबक, गैबी हैफनर के साथ

חמישה שיעורים למעבר מתאגיד לסטארט-אפ עם גבי הפנר

ギャビー・ハフナーによる企業からスタートアップへの移行に関する 5 つの教訓

Penkios pamokos, kaip pereiti nuo įmonės prie steigimo su Gaby Haffner

Gaby Haffner ile Kurumsaldan Startup'a Geçiş İçin Beş Ders

П’ять уроків для переходу від корпоративного бізнесу до стартапу з Габі Гаффнер

Gaby Haffner 谈从企业转型为初创企业的五个经验教训

The change in sentiment surrounding Wall Street has been palpable as stubborn inflation continues in its refusal to subside. Following December’s buoyant outlook and the expectation among some that rate cuts could come as soon as March, markets are now having to react to the very real possibility that there may be no cuts at all this year. But how could a higher-for-longer scenario impact the S&P 500? March had been pinpointed as an optimistic stage for the beginning of the Fed’s switch to a dovish monetary policy as the battle against inflation continued to be won. Instead, it was March’s Consumer Price Index (CPI) figures that sparked concern throughout Wall Street. CPI inflation surpassed expectations to post a 3.5% increase in consumer prices for the year to March. Although it weighed in only a little higher than its 3.4% forecast, the headlines were clear: high inflation isn’t going anywhere fast. The S&P 500 reacted to the news by retracing sharply from a period of consistent growth that began in late October 2023, posting a decline of more than 5% from its March 28th peak of 5,254.35. Following the decline, the contrast between the optimistic start to Q1 2024 and Q2 is jarring. While the S&P 500 posted growth of more than 10% in the first quarter, much of its progress has been undone by the shifting economic outlook. More pessimism could be on the way. Although the market-implied odds for no cuts to take place at all in 2024 remains low at 11%, confounding inflation figures could see the prospect of a higher-for-longer period of high inflation manifest throughout the year. According to Bank of America economists, the prospect of no rate cuts until March 2025 at the earliest is a “real risk.” The economists still believe that one single cut taking place throughout the year is the most likely scenario, but it’s clear that investors need to consider the possibility of inflation staying for a good while longer on Wall Street. At the beginning of the year, forecasts had been suggesting that at least six quarter-percentage point reductions would be likely, and markets had largely priced in lower rates moving into the new year. This makes April’s inflation figures especially worrying. But what’s next for the S&P 500 and Wall Street as a whole? Keeping Up With Expectations Wall Street has largely managed to perform well amid historically high interest rates in 2023, so why is the news that rates may stay higher for longer so concerning? The cause for concern stems from the market’s ability to anticipate events and prices in its expectations many months in advance. The S&P 500’s market rally of more than 25% between late October and late March has been down in no small part to the anticipation that the Fed’s switch to a dovish monetary policy means rate cuts are imminent. We can see in the index’s rapid 5% drop that these shifting expectations are a key cause for concern among investors, who may be exploring more safe haven strategies while uncertainty creeps back into Wall Street. Here, the problem stems from the S&P 500’s exceptional form in the wake of Federal Reserve rate cuts. Investors likely saw parallels between the 2023 economic climate and 1995, in which the Fed doubled interest rates to 6% in 12 months before undergoing a series of cuts once inflation calmed to 2%. With the final rate hike arriving on February 1st and the first cut taking place on July 6th of the same year, 1995 became a springboard for growth on the S&P 500, with the index posting 34% growth–its highest annual gain since the 1950s. As the parallels broke down and CPI data arrived hotter than expected, the timely reality check for the S&P 500 has been particularly tumultuous. What Will Higher for Longer Look Like? With interest rate hikes in 2023 coinciding with the generative AI boom, the S&P 500 actually posted a strong annual growth rate of 24%. Should the rate of innovation in this industry continue to facilitate both hype and adoption at an enterprise level, it’s entirely possible that big tech stocks can continue to bring positivity to US markets even during times of high-interest rates. However, the wider impact of higher-for-longer rates can be varied depending on the impacted stocks and their fundamentals. While the first interest rate hikes in 2022 saw stocks with high valuations struggle, the 2023 macroeconomic climate forced more investors to look instead at how the bottom line of companies was being impacted by higher rates. Rob Haworth, senior investment strategy director at U.S. Bank Wealth Management, suggests that this puts smaller companies under the microscope due to issues in funding at higher rates, as opposed to more resilient larger companies with higher liquidity to navigate uncertainty. Data supports this thesis. While the large-cap stocks populating the S&P 500 Growth Index suffered a 29.41% decline in 2022, the small-cap stocks among the Russell 2000 Index performed better, experiencing smaller losses of 20.44%. These fortunes were reversed in 2023, with the S&P 500 Growth and Russell 2000 posting growth of 30.03% and 16.93% respectively. This trend is continuing into 2024, and recent disappointment surrounding the expectation of rate cuts is likely to push more investors to look for stocks that offer economic stability, rather than riskier opportunities based on innovation. With this in mind, the S&P 500 stocks that boast stronger balance sheets and higher cash reserves could become a leading choice on the index, but backtracking rate expectations will likely pave the way for more long-term volatility throughout US markets. “Given these dynamics, investors may choose to take a balanced approach by diversifying their portfolios to include both safe assets such as gold and riskier assets such as both growth and value stocks,” explained Maxim Manturov, head of investment research at Freedom Finance Europe. “While cautious optimism may prevail in the stock market, the appeal of gold as a hedge against economic uncertainty remains attractive, from a tactical perspective.” “Gold's expected upside is emphasized by the speculative potential offered by the NUGT ETF (Direxion Daily Gold Miners Index Bull 2x Shares), presenting an attractive proposition for investors in terms of risk/reward ratio from current levels.” Diversification Remains Key for Investors Although we’re experiencing a generative AI boom, the uncertainty of the current economic climate suggests that more diversification should be a priority for investors. Building exposure to more commodities can be an excellent way of hedging against more disappointment and confounding inflation figures in 2024, but investor optimism can help to drive markets off the back of good news. The record-breaking S&P 500 rally of 1995 will shape sentiment today, and the arrival of any lower-than-expected CPI data could see more optimism flood back into US markets. While it’s difficult to anticipate Fed rate cuts in 2024, sentiment will continue to shape Wall Street performance throughout the year, and with this in mind, maintaining some levels of exposure can go a long way toward building a sustainable portfolio amid wider market uncertainty. The change in sentiment surrounding Wall Street has been palpable as stubborn inflation continues in its refusal to subside. Following December’s buoyant outlook and the expectation among some that rate cuts could come as soon as March, markets are now having to react to the very real possibility that there may be no cuts at all this year. But how could a higher-for-longer scenario impact the S&P 500? March had been pinpointed as an optimistic stage for the beginning of the Fed’s switch to a dovish monetary policy as the battle against inflation continued to be won. Instead, it was March’s Consumer Price Index (CPI) figures that sparked concern throughout Wall Street. CPI inflation surpassed expectations to post a 3.5% increase in consumer prices for the year to March. Although it weighed in only a little higher than its 3.4% forecast, the headlines were clear: high inflation isn’t going anywhere fast. 3.5% increase 3.5% increase The S&P 500 reacted to the news by retracing sharply from a period of consistent growth that began in late October 2023, posting a decline of more than 5% from its March 28th peak of 5,254.35. Following the decline, the contrast between the optimistic start to Q1 2024 and Q2 is jarring. While the S&P 500 posted growth of more than 10% in the first quarter , much of its progress has been undone by the shifting economic outlook. more than 10% in the first quarter more than 10% in the first quarter More pessimism could be on the way. Although the market-implied odds for no cuts to take place at all in 2024 remains low at 11%, confounding inflation figures could see the prospect of a higher-for-longer period of high inflation manifest throughout the year. According to Bank of America economists , the prospect of no rate cuts until March 2025 at the earliest is a “real risk.” The economists still believe that one single cut taking place throughout the year is the most likely scenario, but it’s clear that investors need to consider the possibility of inflation staying for a good while longer on Wall Street. Bank of America economists Bank of America economists At the beginning of the year, forecasts had been suggesting that at least six quarter-percentage point reductions would be likely, and markets had largely priced in lower rates moving into the new year. This makes April’s inflation figures especially worrying. But what’s next for the S&P 500 and Wall Street as a whole? Keeping Up With Expectations Wall Street has largely managed to perform well amid historically high interest rates in 2023, so why is the news that rates may stay higher for longer so concerning? The cause for concern stems from the market’s ability to anticipate events and prices in its expectations many months in advance. The S&P 500’s market rally of more than 25% between late October and late March has been down in no small part to the anticipation that the Fed’s switch to a dovish monetary policy means rate cuts are imminent. We can see in the index’s rapid 5% drop that these shifting expectations are a key cause for concern among investors, who may be exploring more safe haven strategies while uncertainty creeps back into Wall Street. Here, the problem stems from the S&P 500’s exceptional form in the wake of Federal Reserve rate cuts. Investors likely saw parallels between the 2023 economic climate and 1995, in which the Fed doubled interest rates to 6% in 12 months before undergoing a series of cuts once inflation calmed to 2%. likely saw parallels likely saw parallels With the final rate hike arriving on February 1st and the first cut taking place on July 6th of the same year, 1995 became a springboard for growth on the S&P 500, with the index posting 34% growth–its highest annual gain since the 1950s. As the parallels broke down and CPI data arrived hotter than expected, the timely reality check for the S&P 500 has been particularly tumultuous. What Will Higher for Longer Look Like? With interest rate hikes in 2023 coinciding with the generative AI boom, the S&P 500 actually posted a strong annual growth rate of 24%. Should the rate of innovation in this industry continue to facilitate both hype and adoption at an enterprise level, it’s entirely possible that big tech stocks can continue to bring positivity to US markets even during times of high-interest rates. However, the wider impact of higher-for-longer rates can be varied depending on the impacted stocks and their fundamentals. While the first interest rate hikes in 2022 saw stocks with high valuations struggle, the 2023 macroeconomic climate forced more investors to look instead at how the bottom line of companies was being impacted by higher rates. Rob Haworth, senior investment strategy director at U.S. Bank Wealth Management, suggests that this puts smaller companies under the microscope due to issues in funding at higher rates, as opposed to more resilient larger companies with higher liquidity to navigate uncertainty. Data supports this thesis. While the large-cap stocks populating the S&P 500 Growth Index suffered a 29.41% decline in 2022, the small-cap stocks among the Russell 2000 Index performed better, experiencing smaller losses of 20.44%. These fortunes were reversed in 2023, with the S&P 500 Growth and Russell 2000 posting growth of 30.03% and 16.93% respectively. growth of 30.03% and 16.93% growth of 30.03% and 16.93% This trend is continuing into 2024, and recent disappointment surrounding the expectation of rate cuts is likely to push more investors to look for stocks that offer economic stability, rather than riskier opportunities based on innovation. With this in mind, the S&P 500 stocks that boast stronger balance sheets and higher cash reserves could become a leading choice on the index, but backtracking rate expectations will likely pave the way for more long-term volatility throughout US markets. “Given these dynamics, investors may choose to take a balanced approach by diversifying their portfolios to include both safe assets such as gold and riskier assets such as both growth and value stocks,” explained Maxim Manturov, head of investment research at Freedom Finance Europe . Freedom Finance Europe “While cautious optimism may prevail in the stock market, the appeal of gold as a hedge against economic uncertainty remains attractive, from a tactical perspective.” “Gold's expected upside is emphasized by the speculative potential offered by the NUGT ETF (Direxion Daily Gold Miners Index Bull 2x Shares), presenting an attractive proposition for investors in terms of risk/reward ratio from current levels.” Diversification Remains Key for Investors Although we’re experiencing a generative AI boom, the uncertainty of the current economic climate suggests that more diversification should be a priority for investors. Building exposure to more commodities can be an excellent way of hedging against more disappointment and confounding inflation figures in 2024, but investor optimism can help to drive markets off the back of good news. The record-breaking S&P 500 rally of 1995 will shape sentiment today, and the arrival of any lower-than-expected CPI data could see more optimism flood back into US markets. While it’s difficult to anticipate Fed rate cuts in 2024, sentiment will continue to shape Wall Street performance throughout the year, and with this in mind, maintaining some levels of exposure can go a long way toward building a sustainable portfolio amid wider market uncertainty.

What’s the Fate of the S&P 500 if Rate Cuts Don’t Happen in 2024?

যদি 2024 সালে রেট কম না হয় তাহলে S&P 500-এর ভাগ্য কী?

Was droht dem S&P 500, wenn es 2024 nicht zu Zinssenkungen kommt?

¿Cuál es el destino del S&P 500 si no se producen recortes de tipos en 2024?

Quel sera le sort du S&P 500 si les baisses de taux ne se produisent pas en 2024 ?

यदि 2024 में ब्याज दरों में कटौती नहीं होती है तो S&P 500 का क्या होगा?

2024年に利下げが行われない場合、S&P 500の運命はどうなるでしょうか?

2024년에 금리 인하가 일어나지 않는다면 S&P 500의 운명은 어떻게 될까요?

Qual será o destino do S&P 500 se os cortes nas taxas não acontecerem em 2024?

Какова судьба S&P 500, если снижение ставок не произойдет в 2024 году?

2024'te Faiz İndirimi Olmazsa S&P 500'ün Kaderi Ne Olur?

Số phận của S&P 500 sẽ ra sao nếu việc cắt giảm lãi suất không xảy ra vào năm 2024?

如果 2024 年不降息，标准普尔 500 指数的命运将会如何？

While the COVID-19 pandemic has long faded into the rearview mirror, its lasting impact is still being felt on a widespread scale. For institutional investors, the global market volatility thrown up by an uneven post-pandemic recovery has thrown up fresh opportunities and risks throughout global markets. Although global growth has shown in the wake of the pandemic, an uneven recovery has been intensified by varying international responses to the health crisis, macroeconomic factors like historically high inflation, and the flare-up of geopolitical conflict in Europe and the Middle East. relative resilience In recent months, buoyed by exponential growth in the field of generative AI, the United States has been seen to outpace the likes of Europe and China. However, hopes of early Fed interest rate cuts in the US have been dashed due to lingering high inflation, and the prospect of a tumultuous and close-run presidential election in November may mean that no bloc is fully safe from uncertainty. What does this mean for institutional investors and discovering new opportunities in 2024? The answer may hinge on abandoning old reliances and building a more global outlook. Finding Value in Emerging Markets The impressive form of Sandglass Capital Management’s $262 million flagship fund last year underlined the quality of opportunities to be found in emerging markets (EMs). Returning a in 2023 through the purchase of high-risk government bonds in struggling nations like Sri Lanka, Ghana, Ukraine, and Greece, Sandglass’ returns through November were five times higher than the average in an index maintained by Hedge Fund Research. resounding 23% However, the performance of EMs is becoming increasingly convoluted, and hedge funds may be wise to look to the difficulties experienced throughout the Chinese economy as it struggles to keep up with market expectations. This has invariably pushed more institutions to look on a more widespread scale for opportunities within the world of investment opportunities throughout emerging markets. The view that emerging markets operate as a singular bloc like the European Union risks undermining the many key characteristics that differentiate across the landscape. While many share geopolitical risks and complex international relationships, they can be wildly different in their nature, and require plenty of exploration before institutions can act. Some of the many differences within emerging markets can include their respective roles as energy exporters or importers, and whether an economy is built on manufacturing or services. These can help to develop a more comprehensive understanding of markets and how they operate. For institutions with a more holistic overview of EM opportunities and risks, accessing a through real-time data centers can pave the way for stronger growth prospects as unpredictability continues to dampen the outlook across more traditional economies. full suite of global markets The Return of Risk 2024 is so far shaping up to become the year that risk appetite is returning to institutional investors. Much of this risk appears to revolve around exposure to global emerging markets, with March seeing the biggest rotation into EMs . since April 2017 According to , just under one-fifth of fund managers suggested that emerging market equities were set to become the biggest beneficiaries of US Federal Reserve rate cuts, ranking them behind only long-term growth prospects and value stocks in the survey. Bank of America polling The return of risk appetite throughout institutions is being driven by the expectation of a US economic recovery in 2024, but the uneven post-pandemic recovery still presents risks in the United States and beyond. In a recent survey charting the top global risks posed to economies in 2024, believed that extreme weather was the most likely to pose a material threat on a global scale during the year. However, pandemic recovery-related factors like a cost-of-living crisis and economic downturn accounted for a 75% combined share among respondents. 66% of the 1,490 respondents Other major concerns like an escalation of geopolitical conflict and generative AI misinformation or disinformation in an election year for many major economies also ranked high. For institutions seeking to level up their risk in emerging markets, sufficient due diligence must be conducted before building exposure. With headwinds continuing to loom, EMs carry a significant level of opportunity and danger for funds. Flocking to the Tropics One of the key areas in which hedge funds are looking for value appears to be within the tropics, as appetite for forex carry trades has seen turn their attention to the Brazilian real, Colombian peso, Mexican peso, and Indonesian rupiah with strong levels of upside. masses of market participants In cooler climates, a globalized FX drive can be found in the Hungarian florins’ newfound carry trade popularity, according to Bloomberg’s FX carry trade index, which measures the carry trade returns across various emerging markets. In Asia, global hedge funds have been , with institutions becoming infatuated with the nation’s growing depth and liquidity as a functional alternative to China’s ailing economy. seeking solace in India Recent players entering India’s markets include the Singapore-based hedge fund Dymon Asia Capital and Citadel Securities among various funds and brokers entering a frontier that had long been shunned by institutions due to taxation issues and the inability to hedge investments through short selling. Geopolitical Fragmentation Remains a Threat Although going global appears to be benefitting many risk-taking institutions already in 2024, leading asset manager BlackRock for the year that globalization is undergoing a ‘meaningful shift’ caused by geopolitical fragmentation and economic competition. warned in its outlook According to Trade Openness Index figures published by the BlackRock Investment Institute, trade integration since 2015 has begun falling at a rate that hasn’t been seen since the interwar period in the early 20th Century. This factor only adds to the level of complexity institutions are tasked with overcoming to flourish in the post-pandemic landscape. In a world that’s become increasingly unpredictable since the health crisis in 2020, market volatility is to be expected. For resourceful and risk-taking institutions backed by sufficient research, this presents a series of new opportunities throughout global markets. However, identifying and taking them will be a significant challenge in itself.

Why the Uneven Global Pandemic Recovery Will Lead More Institutions Into Global Markets Than Ever

We are all living in a world where owning a slice of real estate, investing in rental income, or holding a piece of historical art is being made as simple as purchasing a cryptocurrency. This reality was brought to you by the tokenization of real-world assets (RWAs). This tokenization process is changing how we think about ownership, investment, and financial liquidity by bringing these assets into the digital space through blockchain technology. With the current TVL of Real World Assets sitting comfortably at around , one can only imagine how this industry category may develop over the next bull cycle. Is exposure to RWA’s a must for every future-proof blockchain user and DeFi platform? $4,35B The future-value² of Tokenized RWAs The horizon for tokenized RWAs is promising, to say the least. Larry Fink (CEO of ), in a recent interview, shared an interesting outlook on ETFs that aligns closely with the trajectory of tokenized RWAs. Fink also states: “We believe the next step going forward will be the tokenization of financial assets, a sentiment which perfectly aligns with the principle of tokenizing real-world assets. BlackRock Watch the interview As of now, the tokenized RWA sector is experiencing unprecedented growth. The year 2023 marked an absolute milestone, with TVL soaring from $750 million in January to a peak of $6.2 billion around November. Like NFTs, RWAs encompass diverse assets with distinct use cases and go-to-market strategies (GTM). Stablecoins, gold, bonds, & equities all have different GTM and varying contributions to the overall value of the space. Nonetheless, the explosive 2023 growth reflects large confidence in the tokenization of a wide variety of assets, offering investors access to previously illiquid value. This recent forecasts RWA tokenization to reach a value of $16 trillion over the next 5-15 years. That is roughly equivalent to 8 times the total market capitalization of Bitcoin at this time of writing. Bank of America report Saying Hi to RWA Yield on the Avalanche Blockchain RWA platforms are found on a wide range of blockchains. In particular, asset tokenization on the Avalanche blockchain has been backed by the since July 2023. The Vista initiative aims to accelerate the massive growth of tokenization and its role in on-chain finance (OnFi). $50M Avalanche Vista initiative is one such promising tokenization initiative, extending its reach by enabling users to access yields from tokenized US treasury bills among other assets on the Avalanche blockchain. This tokenization and subsequent distribution offer an accessible, secure, and efficient means to enter the world of government-backed securities. By integrating the stability of traditional financial instruments with the agility of blockchain technology, HiYield is setting a new standard for on-chain investments. Users can easily from competitive on-chain rates for Treasury Bills. It might not come as a surprise that Avalanche's dedication to accessibility, efficiency, and cost-effectiveness perfectly aligns with ’s mission, with t holding immense potential for global value transfer. Led by a team with deep expertise in traditional banking and blockchain, HiYield presents an efficient way to engage with capital markets on-chain. HiYield invest and benefit HiYield he Avalanche Evergreen Subnets Pioneering Cross-Chain RWA Utility Enter , a DeFi platform that finds itself in a unique position by any 2024 standards. Balanced fully leverages ICON's innovative and has recently celebrated an with the ICON blockchain, leading to more rewards for users and liquidity for the platform. The Balanced approach is to offer intuitive native cross-chain swaps that somehow ignore all the traditional cross-chain difficulties that users often find themselves dealing with. Healthy liquidity for swapping pairs is guaranteed by the ICON Network as part of the aforementioned incentive alignment. In turn, Balanced trading fees are partially directed towards the burning of ICX tokens. Balanced Cross-Chain Framework alignment of incentives As early as last week, Balanced its users to their novel savings rate, and their next upcoming cross-chain development involves on Avalanche. This collaboration with HiYield is set to broaden the way Balanced backs its native stablecoin savings rate. By indirectly channeling the yields from HiYield's RWA ventures, Balanced is ensuring that the bnUSD savings rate is not just competitive but also boosted by the tangible performance of real-world assets. For bnUSD holders, this translates to earning higher yield percentages simply by locking in their stablecoins, turning the act of holding bnUSD into a profitable strategy. introduced Balanced tapping into HiYield’s RWA offerings After its latest successful , the strategic partnership with HiYield provides another cross-chain proof of concept for Balanced. It underlines the effectiveness of the Balanced platform’s for cross-chain deployments. Users of Balanced will soon get indirect exposure to the benefits of the RWA movement thanks to HiYield on Avalanche. Archway blockchain deployment hub-and-spoke strategy Conclusion It's clear we are witnessing a fresh wave of blockchain innovation, where diverse value propositions are being blended across blockchains in order to give end users the best possible experience. With projections valuing the future RWA space at a staggering $16 trillion, promising platforms like HiYield continue to innovate on their mission to offer accessible, secure, and efficient means for users to enter this world of tokenized assets. At the same time, DeFi platforms like Balanced are offering their users exposure to RWAs by recognizing the value of tokenization and removing cross-chain barriers. It looks like the future isn’t just bright; it is shining rays of tokenized possibility! Follow and on X for the latest news on the cross-chain RWA integration. HiYield Balanced

Mixing the Cross-Chain magic with Tokenized Real Worlds Assets

টোকেনাইজড রিয়েল ওয়ার্ল্ডস অ্যাসেটের সাথে ক্রস-চেইন জাদু মিশ্রিত করা

Mischen Sie die Cross-Chain-Magie mit Tokenized Real Worlds Assets

Mezclando la magia de Cross-Chain con activos tokenizados de Real Worlds

Mélanger la magie inter-chaînes avec des actifs tokenisés du monde réel

क्रॉस-चेन जादू को टोकनाइज्ड रियल वर्ल्ड एसेट्स के साथ मिलाना

クロスチェーンの魔法とトークン化された現実世界のアセットの組み合わせ

토큰화된 실제 세계 자산과 크로스체인 마법의 혼합

Misturando a magia Cross-Chain com ativos tokenizados do mundo real

Смешение магии Cross-Chain с токенизированными активами реального мира

Çapraz Zincir Sihrini Tokenleştirilmiş Gerçek Dünya Varlıklarıyla Karıştırmak

Kết hợp phép thuật chuỗi chéo với tài sản thế giới thực được mã hóa

将跨链魔法与代币化的现实世界资产相结合

Artificial Intelligence (AI) is transforming industries and creating new opportunities at the speed of light. From AI-generated video to its integration into major companies' products, the potential for to drive innovation and transformation is truly vast. In this article, we’ve gathered top AI trends by analyzing forecasts from leading technology companies and research firms, as well as our work with AI projects. AI By the way - if you’d like to stay ahead of the AI curve, discover cutting-edge projects, and expand your skills through free mini-courses, sign up for my weekly Each edition features the latest AI breakthroughs, tools, and tips to help you apply this transformative technology. It’s absolutely free! .’ newsletter ‘AI Hunters For now, let’s explore the top AI trends and their implications for the future. 1. AI Video Unlocks Creativity in Film, Ads and Games AI-generated video is gaining traction in the film and entertainment industry, with companies like Warner Bros. leveraging AI to analyze movie trailers and predict box office success. More than that, AI is being used in advertising, enabling personalized ad creation based on user data. AI is also finding its way into video game development, with companies like Electronic Arts using AI to generate game assets and environments. Generative AI is already democratizing content creation and changing the power and economics of video streaming. 2. In-Demand AI Skills Propel the Jobs Market The demand for AI skills is on the rise, with LinkedIn's 2020 Emerging Jobs Report identifying AI specialists as the top emerging jobs in the United States, experiencing a 74% annual growth rate. These skills are sought after across diverse industries, including healthcare, finance, and retail. Furthermore, AI skills are becoming increasingly important for marketing professionals, given the prevalence of AI-generated content in content marketing strategies. 3. Tech Heavyweights Pave the Way Leading companies such as Meta, Google, Amazon, Apple, and IBM are at the forefront of integrating AI into their products, spanning from virtual assistants to image recognition software. Moreover, AI is being integrated into customer relationship management (CRM) systems by companies like Salesforce and Oracle, enhancing customer data analysis and improving experiences. AI is currently finding its way into Internet of Things (IoT) devices, with companies like Intel using AI to enhance device performance and user experience. 4. All Spotlight on Virtual Influencers The emergence of AI-generated influencers on social media platforms like Instagram is reshaping digital marketing. Companies like Brud are creating virtual influencers such as Lil Miquela. AI-generated content is also making inroads into journalism, with The Washington Post using AI to write news articles. Additionally, e-commerce players like Amazon are leveraging AI to generate product descriptions and recommendations. AI-generated content is forever changing the way marketing is done, allowing for personalized content at a scale that was hardly conceivable before. 5. AI Touches Everyday Lives With the development of AI-driven cars by companies like Tesla and Google, AI's impact actively strikes root in the physical world. Wearable technology, including smartwatches and fitness trackers, is harnessing AI to enhance user experience and provide more accurate data. AI is also being integrated into smart homes, with companies like Amazon incorporating AI into the Alexa virtual assistant system. 6. Tailored AI Optimizes Impact Customization of enterprise AI is proving to be a game-changer, offering significant cost savings and improved accuracy and efficiency. Companies like IBM report that customized AI solutions can reduce costs by up to 50%. Customization can also lead to enhanced customer experiences, as personalized content and recommendations can be tailored to individual user preferences and behaviors. 7. Multimodal AI: A Universal Language In healthcare, multimodal AI is enhancing patient outcomes through AI-powered medical imaging and diagnosis systems. Plus, AI natural language processing systems are becoming adept at understanding and responding to both text and speech. In computer vision, AI applications can analyze and interpret images and videos, opening new frontiers in various industries. 8. Regulators are Fostering Responsible AI Innovation Regulating AI is a growing area of interest, with the European Union establishing guidelines for the ethical use of AI that emphasize transparency, accountability, and data protection. The United States has also set up a National AI Initiative Office to coordinate AI research and development and address ethnic concerns. Companies like IBM and Salesforce are already developing AI governance frameworks as the first major step towards the future, where responsible AI use will be ensured. 9. AI Gets Full Tech Stack Integration As AI is being harnessed across various applications, including chatbots, virtual assistants, and recommendation systems, it is playing a pivotal role in improving cybersecurity through real-time response to cyber threats. Companies like Bank of America are already leveraging AI in finance to automate financial processes and enhance decision-making. 10. Deepfake Brings Discomfort A deepfake image of an explosion near the Pentagon, purportedly related to the arrest of former President Donald Trump, caused uproar on social media. In 2023, deepfake technology became a pervasive tool, reshaping public discourse and causing confusion through exploitative uses, including fraud and manipulation of public figures — like Indian PM Modi, which already highlighted serious threats to democracy, privacy, and global harmony. As the 2024 US presidential elections approach, deepfakes are a growing concern for political campaigns, as it is increasingly being used to spread disinformation and propaganda. Wrapping up, AI's pervasive influence is reshaping industries and creating new opportunities. The potential for AI to drive innovation and transformation is vast, and its impact is already being felt across numerous sectors. However, as AI continues to evolve, the need for responsible regulation and governance becomes increasingly paramount. The future of AI is bright, and its potential to improve living quality and create real sources of value is immense. P.S. Check out my previous articles on AI at HackerNoon: How to Build Your Personal GPTs: From Zero to AI Hero GPT-4 Turbo: The Most Monumental Update Since ChatGPT's Debut! Essential Insights from 'State of AI 2023' GPT-4V Unveiled: From Detecting Emotions to Ordering Food - You Won't Believe What Else It Can Do! ChatGPT Now Speaks, Listens, and Understands: All You Need to Know Fine-Tuning for GPT-3.5 Turbo: AI Game Changer The Rise of AI-Generated Films: Lights, Camera, Algorithm! NFT Marketing Guide - The Most Complete and Detailed Playbook 2023

Top 10 AI Trends of 2024: How AI Transforms Everything 

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Since 2007

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EVERGREEN INDEX #3982

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