Fraud Detection and Prevention Solution Market 2019 Global Trend, Segmentation And Opportunities Forecast To 2025

Fraud Detection and Prevention Solution Global Market Status, By Players, Types, Applications And Forecast To 2025

PUNE, MAHARASHTRA, INDIA, October 22, 2019 / — Fraud Detection and Prevention Solution Industry


Fraud is one of the major threats in today’s world. Many attempts have been placed to prevent fraud in every field across the world. Keeping the urgent need in mind, the fraud detection and prevention solution has been built. The constant growing the criminal activities, as well as the complexities of terrorism, can be destroyed by using this technology. There is a huge advantage in the usage of this technology in this critical landscape. The fraud detection and prevention solution is used in different areas of business and government activities. Let’s have a look at its usage in the different sectors.

It is used in banking, insurance, legal matters, and so on. The banking sectors have observed in recent times the card stolen cases as well as stolen the number of credit cards.

There are different analytics and techniques have been performed in the fraud detection and prevention solution. For instance, predictive analytics and big data analytics are one of the most used techniques to identify the fraud and culprit associated with these accomplishments. The enterprises are generally assisted by predictive analytics. The predictive analytics enables the organization to identify the ongoing threat as well as the possibilities of the threat of fraud in the organization. It also gives the organization signal about the possibilities of fraud in the bank debit/credit card, insurance, and other forms of organization.

On the other hand, the big data analytics helps the organization from being affected by the fraud. The big data is advanced level of analytics. The solution also helps the organization to identify the problem as fast as possible. Overall, the managers of the organization need to aware all the time for preventing fraud by using this technology.

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Market classification

The market is classified into product and application. As the demand for such technology is in huge demand, so every country has adopted and inducted it in their systems. It can be split into fraud analytics, GRC solution, Authentication. On the other hand, the solution can be split into healthcare, manufacturing, energy and power, government sector, and telecommunication.

Geographical market classification

As mentioned earlier that almost all the major countries have already adopted this technology and placed it in their system. Let's have a view on the list of countries which have adopted this system already. It is seen that those countries where fraud takes place have adopted this technology to save the people from being robbed.

India, China, Japan, USA, UK, most of the European countries, and South Asian countries.

Major Players

Many prominent players are already in generating such technology. Many of the companies are known to you, whereas many companies recently set their foot in the industry. Let’s have a look at the major players.

IBM, SAS Institute, Fiserv, Oracle, FICO, LexisNexis, BAE Systems, and many more.

Recent News

As per the report published in 2019, the companies such as FICO, IBM, Oracle, SAS Institute are dominating the market with this technology.


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Source: EIN Presswire

Automated Guided Vehicle Market | 16.27% CAGR | Strategic Analysis | AGV Industry Data | 2019-2025 | OGAnalysis

Automated Guided Vehicle (AGV) Market growth over the forecast period 2019 till 2025

Automated Guided Vehicle (AGV) Market growth over the forecast period 2019 till 2025

Automated Guided Vehicle Market | AGV Industry | key players Toyota, Daifuku, Kion Group, JBT, KUKA, Oceaneering International, Seegrid, Kollmorgen

SOUTHLAKE, TX, UNITED STATES, October 22, 2019 / — Automated Guided Vehicle (AGV) Market size is estimated to grow at a CAGR of 16.27% over the forecast period between 2019 and 2025. The market growth is driven by ease in access to electrification, rational adoption of IoT and AI across technology-driven economies and strong growth of automation and industrialization, finds Ayesha Salma, a research analyst at OG Analysis.

Further, emerging market-driven trends include rapid globalization and emergence of e-commerce sector as well as the digital transformation of warehouse. Accordingly, market growth is driven by emerging trend of flexible warehouse automation to obtain benefits of reducing labor costs and improving warehouse productivity.

Key market players are projecting long term Automated Guided Vehicle (AGV) market growth by supporting with the deployment of electric charging infrastructure for AGV vehicles. For instance, Swiss engineering and ABB won a contract from ST Engineering Land Systems to deliver and commission integrated smart charging points for Automated Guided Vehicles (AGV) in the Tuas port of Singapore.

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Among types, Unit Load Carriers is largely penetrating market growth across key end-user industries. Accordingly, key market OEMs are investing to bring automated guided vehicle (AGV) technology to customers in the aviation industry. For example, in October 2019, Lödige Industries unveiled its new automated guided vehicle (AGV) for the transportation of different sizes of airfreight Unit Load Devices (ULD) with the larger variant capable of lifting and transferring palletized loadings.

Based on navigation technology, laser guidance occupies the major market share during the forecast period through 2025. The segment growth is driven to obtain benefits of traditional AGV technology with the added bonus of seamless functionality.

However, factors negatively imprinting the Automated Guided Vehicle (AGV) market growth include the rise of autonomous mobile robots and WiBotics with improved payload capacity and functionality. In addition, lesser potential of AGVs regarding determination of navigation routes and obstacle avoidance in an unstructured environment is forcing key OEMs to shift towards advanced mobile robots.

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Asia Pacific region is set to emerge with strong growth across Automated Guided Vehicle (AGV) Market during the estimated period

The market growth is lucrative across Asia Pacific characterized by the rise in GDP, strong growth in industrial automation along with the emergence of technology-focused economies, governments, and key OEMs.

Accordingly, Asian countries such as Singapore are showcasing long term market opportunities by adding AGV performance to their strategic port sector projects. Key OEMs are competing to fill tenders concerning second lot of automated guided vehicles (AGVs) planned for 2020. Gaussin Manugistique and Singapore Technologies Engineering Land Systems (STELS) will bid together for the second lot of automated guided vehicles (AGVs) for the Tuas Mega Port Project.

Whereas, Automated Guided Vehicle (AGV) market growth across developed regions is driven by wide adoption of AGVs in public transport utilities. For instance, Miami International Airport deployed a new high-tech automated baggage screening system, which features one of the world’s largest installations of automated guided vehicles.

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Active presence of market players promotes positive market growth over the forecast period

Key market players are supporting automated guided vehicle (AGV) market growth with an agile approach towards the development of automated vehicles. Accordingly, market players are investing in strategic acquisitions and agreements to create robust end solutions. For instance, in 2019, Teradyne and AutoGuide Mobile Robots a definitive agreement where Teradyne will acquire privately owned AutoGuide for $165 million to create end-to-end automation solutions for customers seeking most productive material-handling operations.

The key players contributing to automated guided vehicle (AGV) market growth include Toyota Industries, Daifuku, Kion Group, JBT Corporation, KUKA, Oceaneering International, Hyster-Yale Materials Handling, E&K Automation, Seegrid Corporation, and Kollmorgen.

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Source: EIN Presswire

Secure Channels’ SCIFCOM Platform Preps Companies for CCPA

Encryption-as-a-Service Portal Provides Solutions in Time for New Regulations

IRVINE, CA, UNITED STATES, October 21, 2019 / — The Jan. 1, 2020, deadline approaches quickly, and many companies remain unprepared to meet key requirements of the California Consumer Privacy Act (CCPA). Around half of U.S businesses, service providers and third parties have yet to put “reasonable” data security measures in place to satisfy the act’s sometimes-vague regulations. The experts at Secure Channels Inc. shed light on what covered companies can expect after the deadline, and provide solutions that will help protect them from the act’s heavy penalties.

The CCPA, dubbed “America’s GDPR” by PricewaterhouseCoopers (PwC), was modeled after the EU’s General Data Protection Regulation. The GDPR strictly regulates and sets penalties for organizations anywhere in the world handling and failing to protect EU citizens’ data. The CCPA likewise holds accountable companies anywhere handling the personal data of the most populous state’s residents.

“One need only look at the penalties the GDPR has set out so far to see where CCPA is headed,” notes Secure Channels CEO Richard Blech. “This past July they hit two companies with a combined $350 million in proposed fines for data breaches. This happened within a two-day period.”

Blech refers to the penalties the GDPR intends to levy against British Airways (£183 million) and Marriott (£99.2 million) announced July 8 and 9 respectively. Marriott’s violations stemmed from IT failings of a hotel chain they subsequently purchased, inheriting its liability, while a hack against British Airways redirected customer data from the company’s website to an unauthorized party. “In BA’s case, there was no financial loss to any customers exposed by the breach, but the failure to protect the data alone may result in the largest GDPR fine to date — second largest breach fine in history,” Blech points out. “The CCPA is the same kind of beast. Affected consumers will be able to sue companies under the regulations without having to prove financial harm.”

Thus far, the CCPA is ambiguous in what meets its “reasonable security” requirements, making compliance tricky. “The CCPA doesn’t explicitly mandate that covered companies encrypt consumer data, but it does give consumer’s the right to sue when their unencrypted data is compromised due to failures implementing reasonable security measures,” Blech explains. “There’s little hard guidance for what their definition of ‘reasonable’ is, but the California Attorney General’s 2016 Data Breach Report does specifically recommend strong encryption. Bottom line is encrypting consumer data may be the one step that can spare a company from the severe financial fallout that comes with a breach.”

The CCPA states that violations of the act can result in fines between $100 and $750 per consumer per incident, or actual damages if greater. A company that mishandles 50,000 Californians’ unencrypted personal data can net fines between $5 million and $37.5 million from the base fines alone, not counting reimbursement of any financial damages and business lost through operational and/or reputational harm.

The CCPA complements California’s extant data breach notification law that limits breach reportage to consumers to events involving unencrypted data. A properly-deployed encryption system can therefore shield a company from both fines and a damaged reputation. However, even with so much to lose, PwC and others report that approximately half the businesses they surveyed believe they will not have measures in place to achieve compliance by the 2020 deadline. Blech attributes this to the complexity and cost typical to implementing or overhauling a security system.

“Encryption is one of the ways a company can mitigate the damages of a breach, but IT customers are saying the same things today they were saying 20 years ago: it’s too difficult to deploy, it’s expensive, it’s too user-unfriendly, it’s cumbersome, it’s incompatible with their systems. Even the accepted top-shelf encryption, AES-256, is a 20-year-old cipher that will have questionable efficacy against the unpredictable, rapid advancements in quantum computing. They’ve needed a solution that fits their budget, system architecture, operational needs and, most of all, is simple to use.”

Blech is confident Secure Channels’ encryption-as-a-service portal answers these concerns. “We’ve released SCIFCOM with our assembled encryption solutions that make it easy and extremely cost-effective for companies to temper the CCPA’s presumed heavy-handedness.”

Blech elaborates, “What we’ve put together with SCIFCOM are encryption apps and plugins that can provide standalone protection or work within any existing systems companies have in place. It’s strong, user-friendly encryption for any data-protection situation.

“Visitors to the portal can download our free XFA Mail plugin to send and receive encrypted email. It’s weightless and works with most email clients, like Gmail and Outlook, and uses our post-quantum XOTIC cryptosystem to keep communicated data out of the hands of unauthorized parties. Or, they can sign up for a free SCIFCOM account and send encrypted mail and files directly through the portal.”

Blech continues, “We’ve also released ZIPcrypt through SCIFCOM. Anyone who downloads it can encrypt files right on their desktop with XOTIC and AES ciphers. It’s a very simple solution for users who want to archive data or send encrypted files from their computers.

“Our SUBROSA solution phases out old PIN and password technology for a more secure, intuitive picture-based authentication system where users create easy-to-remember passcodes. That’s available to developers as a toolkit and sandbox environment.”
SCIFCOM is also the destination for companies seeking encryption they can integrate into their systems. “XOTIC is the main encryption component of many our SCIFCOM products, and we’ve made it available to companies and tech integrators across all industries as a free trial demo. We want companies to see that XOTIC can be deployed anywhere, easily, and for a mere fraction of the cost they could face if they get breached.”

Blech hopes vulnerable companies protect themselves and, more urgently, their consumers before a breach puts them on the wrong side of privacy regulations. “If we’ve learned anything from GDPR’s handling of breaches, it’s clear that the attitude is there’s no excuse anymore not to have strong data security in place. That may be true, but we also know there have been obstacles for a lot of companies that want to deploy cybersecurity solutions. That’s why SCIFCOM is there. We made it easy. Everyone should have access to no-friction encryption.”
Learn more about SCIFCOM at

About Secure Channels
Secure Channels is a cybersecurity solutions development company based in Irvine, Calif. Our experts engineer and develop high-performance, cost-effective cybersecurity technologies as platform-agnostic software and hardware-ready solutions to protect organizations from present and emerging threats. Our award-winning, cryptanalyst-celebrated solutions include post-quantum encryption, authentication and identity management systems. We provide advanced data protection, no-friction encryption, authentication, enterprise confidentiality solutions and proximity-based monitoring and intelligence capabilities. Learn more at

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Source: EIN Presswire

Elite Capital International – Busy Earnings Week – US Markets Optimistic

Earnings Continue this Week

Earnings Season Kicks into Another Gear this Week

Stocks rose Monday at the start of a packed week of corporate earnings results.

HONG KONG, October 22, 2019 / — Here’s where the markets settled Monday:

• S&P 500: +0.69%, or 20.51 points
• Dow: +0.21%, or 55.61 points
• Nasdaq: +0.91%, or 73.44 points
• 10-year Treasury yield: +5.3 bps to 1.803%
• WTI crude oil prices: -0.9% to $53.31 per barrel
• Gold: -0.57% to $1,485.60 per ounce

The S&P 500 closed within 1% of its all-time closing high of 3,025.86 it achieved back in late July. With more than 100 component companies set to report quarterly earnings this week, hopes are running high that better-than-expected results will help push the blue-chip index past its prior peak.

Investors were broadly bearish heading into this earnings season given factors including the overhang of the trade war, global slowdown and lapping of early 2018’s cut to the corporate tax rate. Most investors anticipated aggregate S&P 500 earnings per share (EPS) would decline by about 4% over last year.

So far, however, results have not been as soft as feared.

As of Monday morning, companies comprising about one-fifth of the S&P 500’s market capitalization had reported third-quarter results, with earnings beating by 4.7% and 77% of companies topping their bottom-line expectations.

That said, these results have topped expectations by a smaller degree compared to beats in the past. The historical average of beats over the past five years sits at 5.4%.

“Q3 earnings season so far is not as strong as the headlines indicate. Yes, more companies are beating but by [smaller] amounts than usual. The problem is margin pressure; revenue surprises are running ahead of historical averages,” Jenny Cohen, Lead US Researcher for Elite Capital, wrote in a note Monday. “Analysts are still cutting Q3/Q4 numbers as a result.”

Companies announcing results this week include consumer names like Procter & Gamble and McDonald’s, tech giants Microsoft and Amazon and industrial and aerospace companies United Technologies, Caterpillar and Boeing.

The packed slate of quarterly results comes as investors continue to eye ongoing geopolitical concerns, with headline risks posing a threat to equity indices’ performance even as earnings roll in.

Overseas, the British pound fluctuated below 1.30 per dollar after House of Commons Speaker John Bercow shot down an attempt to invoke a second parliamentary vote on Prime Minister Boris Johnson’s Brexit agreement.

This came after Parliament had voted Saturday to postpone making a final decision on Johnson’s Brexit deal, complicating Johnson’s aim to exit the EU by the October 31 deadline.

Meanwhile, U.S.-China trade deal updates have mostly underlined progress as of late. White House economic adviser Larry Kudlow told Fox Business Monday morning that President Donald Trump could remove a tranche of tariff increases set to take effect December 15 if further talks with China go well.

Rhetoric out of Beijing has been similarly upbeat. China’s Vice Premier Liu He said publicly Saturday that the sides had made “substantial progress in many fields” and had laid the foundation for signing a multi-part agreement.

U.S., UK and German government debt yields rose Monday across their respective curves. Federal Reserve officials remain in a blackout period this week and will not deliver public remarks ahead of their Oct. 29-30 rate-setting meeting. As of Monday afternoon, markets priced in a more than 90% probability of another quarter point cut to benchmark interest rates after the October meeting.

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Benjamin Hoi
Elite Capital International Limited
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Source: EIN Presswire

State of WA Moves to Negotiate Settlement with Former Partner

“Partnerships require accountability; I’ve spent the last three years building a successful new company that I am proud of.” – Blake E. Robbins

BELLEVUE, WA, USA, October 21, 2019 / — Despite Seattle’s rainy reputation; sunny skies are ahead for fund manager Blake E. Robbins, founder and Principal of Hillstone Capital in Bellevue, WA.

Hillstone Capital is a real estate investment fund operating in the private equity sector, developing single and multi family assets in greater King, Snohomish and Pierce counties.

Despite his recent successes, the Principal’s former partnership has seen a stormy and tumultuous few years.

WA State DFI posted a proposed statement of charges late last year for Overlake Capital, an investment company with a once stellar reputation that has spiraled downhill in recent years.

Former Overlake partner Blake E Robbins exited the company in 2016 due to internal partnership conflict including disputes over unethical practices and the future investment direction of the company.

Things declined rapidly after his departure, leaving investors looking for someone to blame, as the remaining partner made poor financial decisions with company assets in the following months, resulting in principle losses for many.

“I’m shocked at what transpired after my departure. My heart goes out to all the Overlake investors who are still navigating their exits from that company.”

Complicating matters, are the legal examiners for the State, who are not necessarily versed in private equity real estate operations and processes.

The preliminary findings in the Washington State order are inconclusive and made public during negotiations, but Mr. Robbins expects the matter to be resolved favorably in the coming months.

“Partnerships require accountability; I’ve spent the last three years building a successful new company that I am proud of. I’m looking forward to putting my focus back on servicing my clients at Hillstone Capital.” – Blake E. Robbins

Christina M Robbins
HIllstone Capital, LLC
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Source: EIN Presswire

Imbue Botanicals, LLC Signs Agreement with LDN Research Trust

Imbue Botanicals-for those who know

Imbue Botanicals

LDN Trust

LDN Trust

Imbue Botanicals, LLC has signed an agreement with LDN Research Trust to aid in supply of CBD to its thousands of members worldwide.

PALM SPRINGS, CA, UNITED STATES, October 21, 2019 / — Imbue Botanicals, LLC a Wyoming based company, is pleased to announce that it has finalized an agreement with LDN Research Trust. Based in the United Kingdom, the Trust’s primary aim is to Initiate Clinical Trials of Low Dose Naltrexone for Autoimmune Diseases and Cancers.

Imbue Botanicals offers an extensive line of premium CBD products produced from organically grown Colorado hemp, including CBD tinctures, lotions, salves and capsules, for both people and pets.

“We would like to thank Imbue Botanicals for offering our members a significant discount off all their high-quality CBD products now and in the future” said Linda Elsegood, Founder of the LDN Research Trust. "Many LDN prescribers are using high-quality CBD products alongside LDN very successfully and with great outcomes".

“We’re thrilled to be part the LDN Research Trust and help contribute, in some small way, to the vital work they are engaged in,” said Tom Bauer, Managing Partner for Imbue Botanicals. “We know that the combination of our products along with LDN is truly a win-win for so many patients out there.”

LDN Research Trust members will receive a discount on Imbue products and Imbue will provide a significant portion of those sales to the Trust to support its ongoing research efforts. Prescriber testimonials on CBD and LDN can be found on the charity's website.

ABOUT Imbue Botanicals, LLC:
Imbue Botanicals offers an extensive line of full spectrum, premium CBD products produced from organically grown Colorado hemp, including tinctures, capsules, topical CBD lotions and salves. Their premium Colorado grown hemp CBD products are non GMO, cruelty free, vegan and contain no added flavorings or sugars. Available through select retailers, their products offer exceptional quality, superb packaging and unmatched value.

Imbue Botanicals offers CBD products for both people and pets. For more information, visit:


ABOUT LDN Research Trust:
By raising awareness of LDN and funding clinical trials that will be published for the benefit of the public, LDN Research Trust hopes to achieve its ultimate goal for everyone to be prescribed LDN around the world, for all conditions where LDN could be of benefit. They have helped over 100,000 people to obtain LDN from a General Practitioner or Consultant, either through the National Health Service or by private prescription. They are proud to have helped people not just in the UK but in countries throughout Europe, as well as the USA, Canada, West Indies, Australia, New Zealand, and beyond.

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Imbue Botanicals
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Source: EIN Presswire

Cyber Security Insurances Market 2019 Global Leading Companies Analysis, Revenue, Trends and Forecasts 2025

New Market Study Report "Cyber Security Insurances Market –Market Demand, Growth, Opportunities, Analysis of Top Key Players and Forecast to 2026" Added.

PUNE, MAHARASHTRA, INDIA, October 21, 2019 / — Cyber Security Insurances Market 2019-2026

New Study Reports "Cyber Security Insurances Market 2019 Global Market Opportunities, Challenges, Strategies and Forecasts 2026".

Introduction/Market Overview:

Cyber Security Insurances 2018 Global Industry Analysis, Size, Share, Growth, Trends, and Forecast to 2026

The interconnections of networks, connecting users across the world has risen a lot of cybersecurity issues in the past few years. Cyber security insurance involves the protection of IT systems and data from cyber threats such as espionage, vandalism, sabotage, and computer-assisted frauds. It protects the data and integrity of the computing assets, connecting an organization’s network or an individual’s privacy. Hence, cyber security insurance helps mitigate the cost of security breaches such as ransomware, extortion demands, data destruction, online fraud, and identity theft. 

The cyber security insurance market is young and therefore it is difficult to accurately define it. Insurance policies for the individual focus on protecting against the financial burden of the myriad attacks that are lurking on the internet. As cybersecurity threats are increasing, the cyber security insurance market is developing and growing. Like other forms of insurance, the policy costs for cyber security insurance varies depending on the coverage the user desires. Unfortunately, for a couple of years, the data breaches and other cyber crimes have forced the cybersecurity market to provide insurances to accurately model and forecast the angle of online risks. 

The global cyber security insurance market report analyses the rising need for the cyber security insurance policies which will provide benefits of good security and internalize the cost of poor security. The report also points towards the benefits provided by the insurance policies like restoring personal identities of the affected customers, recovering compromised data, notifying customers about a data breach and repairing damaged computer systems. The key players of the cyber security insurance market are also focusing on the cost of the insurance policies which is a main concern for the users. 

Important Key Players Analysis: XL Group Ltd., American International Group Inc., Zurich Insurance Co. Ltd, AON PLC, Allianz Global Corporate & Specialty, Munich Re Group, Chubb, HSB, BCS financial corporation, Marsh & McLennan Companies, Inc., Markel Corp, Traveler’s group, Hiscox, Beazely Insurance group and more.

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Market Segmentation

The global market for cyber security insurance based on the service type is categorized into forefront portfolio, risk management, integrity, third party liability, and such others. And on the basis of industry Vertica, the insurance market can be divided into telecom and IT, banking and financial services, education, healthcare, government, travel and hospitality, and others. All these sectors are vulnerable to the threats of cyber crimes and frauds and require good quality of cybersecurity systems which are covered by proper insurance policies. The cyber security insurance is a new and emerging process in providing sustainable cybersecurity protection and improves the stakeholder's confidence in the information security arrangements. 

Regional Overview

Regions like Europe, Asia Pacific, North America, Africa, Latin America, and the Middle East are the growing hubs for the cyber security insurance market. The Asia-Pacific region is facing a lot of cyber challenges such as low cybersecurity investments, long dwelling times, complex geopolitical tensions, exposed critical infrastructure and the shortage of cybersecurity talent in the region. Whereas, most states also require companies to notify customers of a data breach involving personally identifiable information that can be very expensive. Cyber security insurance companies are also focusing on covering the business liability for a data breach involving sensitive customer information, such as credit card numbers, account numbers, health records, driver’s license numbers, and social security numbers. 

Key Stakeholders 
Cyber Security Insurances Manufacturers 
Cyber Security Insurances Distributors/Traders/Wholesalers 
Cyber Security Insurances Subcomponent Manufacturers 
Industry Association 
Downstream Vendors

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Industry News

Cybersecurity has become the new frontier in the marine and offshore safety sectors. ABS will be collaborating with Atos, a global leader in digital transformation to provide cybersecurity for ship information technology and operational technology. In another report, former Optus Business Managing Director John Paitaridis will is heading up Australia’s latest cybersecurity consulting supergroup, CyberCX.


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Source: EIN Presswire

Seventy Financial Planning Opens Right Mortgage UK for Self Employed and Director’s Mortgages

Right Mortgage logo for self employed

Self Employed Mortgages Made Easier with Right Mortgage UK

Client Review from Paul the Bricklayer, for his self employed mortgage from Right Mortgage UK

Right Mortgage Client Review

Right Mortgage Logo for Self Employed

Right Mortgage Self Employed Mortgages

Understanding the criteria of lenders when applying for self-employed or director’s mortgages is a nightmare, we can get your mortgage sorted today.

HARROGATE, NORTH YORKSHIRE, UNITED KINGDOM, October 21, 2019 / — In the mortgage market there are many barriers to entry which has left many upset and unable to obtain the mortgage they need to move into their dream homes; getting a self-employed mortgage or director’s mortgages are one such barrier.

That is why at Seventy Financial Planning, Chris Riley a company director himself, discovered that getting a self-employed mortgage or director’s mortgage wasn’t as difficult as it needed to be, especially if you knew where to look and how to evidence income for a lender. This set him on the path to opening Right Mortgage UK, a mortgage broker specialising in self-employed and director’s mortgages.

Getting a Self-Employed Mortgage

There are a few issues that those of us who are self-employed come across when trying to obtain a mortgage. If you have had your self-employed mortgage declined, don’t despair, you still have alternative opportunities and we can help.
If you are self-employed, the issues you might encounter when getting a mortgage are;
• Limited trading accounts, especially if you’re newly self-employed.
• Thinking you don’t have enough income to pass affordability criteria.
• Incomplete or erroneous self-assessments.
These are all big hurdles for self-employed people and the problem is many of the high street lenders have a zero-tolerance attitude which means many are having their self-employed mortgages declined.
Getting a self-employed mortgage isn’t too difficult but there are minimum requirements.

Minimum Requirements for Getting a Self-Employed Mortgage

We have access to a whole range of mortgage lenders that are welcoming self-employed people and lending them the money they need. These don’t even need to be sub-prime or “off the high street lenders” as an experienced mortgage advisor like the ones at Right Mortgage UK, will be able to approach high street lenders as well.
The minimum requirements for getting a self-employed mortgage are;
• One year’s accounts which can be evidenced with an SA302 and/or trading accounts
• Current and historical contract evidence if you’re a fixed term contractor
• Normally for one year’s accounts to be accepted, a projection for your current trading year may be required as well.
• Enough profit in your accounts to meet affordability criteria.
That is it, just simple financial evidence. If you’re struggling with the affordability of one lender then you should talk to us as lenders can calculate affordability differently and they also have vastly different criteria.

Talk to Right Mortgage UK about getting a self-employed mortgage.

Director’s Mortgages – Right Mortgage UK

Limited company directors have a lot of the same issues as other self-employed people do when applying for a mortgage. Sometimes these are amplified, especially if you retain money in your company accounts for liquidity rather than drawing down on a dividend. Some mortgage providers don’t take dividends at all and opt to take a salary plus net profit.

These can all cause complications when applying for a mortgage, as some lenders are stricter than others about how a company director runs their finances. Chris Riley discovered just how hard it was first-hand as a company director getting a mortgage and this helped him discover all the lenders that are fantastic for limited company director’s mortgages.

We have lenders that will;
• Accept company accounts as financial evidence
• Accept personal tax returns
• Use a contractor’s day rate rather than their net profit
• Accept one year’s trading accounts
• Will accept company profits, even if you posted a loss in previous years

Why are Director’s Mortgages so Tricky?

It is always best to speak to an experienced mortgage broker like those at Right Mortgage UK, as director’s mortgages are not always easy to place. In the business world you know that your limited company is a separate legal entity to yourself and that you’re expected to operate two separate sets of financial accounts. This sometimes leaves one set of accounts more financially viable than the other.

The issue comes when lenders take a more realistic approach to companies and their directors, realising that financial arrangements between the two are oftentimes more fluid than HMRC would have us believe. This means some lenders are incredibly strict when analysing you and your business for a mortgage – but it also means that there are some amazing lenders who understand that just because you didn’t draw a dividend, that money in your company accounts is still yours to draw if needed.
Get your director’s mortgage advice today and we will be able to arrange your limited company director’s mortgage and take the pressure off your shoulders when trying to demonstrate income.

Who We Are

We like to think of ourselves as practical mortgage “trouble-shooters”, with a whole range of solutions to even the most complex self-employed and director’s mortgage problems. We keep everything transparent, clear and above all simple – we understand that your time is a valuable commodity and we won’t waste it.

If you need a mortgage and are struggling or even had a self-employed mortgage declined, we can take the burden off your shoulders and take care of everything for you in a straightforward and seamless process allowing you to get back to the important day to day running of your trade or business. Our core belief is that being a limited company director, business owner or self-employed trader shouldn’t be a barrier to getting a mortgage and we are proud of our track record placing mortgage business in tricky situations.

With our expertise, you can rest assured, your mortgage is in the safest hands for self-employed and company directors.
Right Mortgage UK has years of experience placing self-employed and director’s mortgages, don’t take our word for it, watch our client’s testimonials on our website and hear how we solved their self-employed mortgage problems. We are here to help you buy or remortgage your house today!

Natasha Furness
Seventy Financial Planning
+44 1423 611004
email us here
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Craig & Heather talk about their self employed mortgage experience – Client Review of Right Mortgage UK

Source: EIN Presswire

Hybrid cryptocurrency exchanges? What are they and what do they mean for the market.

Cryptocurrency exchanges play a vital role in the development and maintenance of the entire emerging cryptocurrency and blockchain markets.

The new age of cryptocurrency exchanges has been arrived”

— Chris van Steenbergen

NEW YORK, UNITED STATES, October 21, 2019 / — The market is for the most part dominated by two types of cryptocurrency exchange platforms. Those being centralized and decentralized cryptocurrency exchanges. With the former making a solid entrance into the market during the first half of 2018 (around the same time Bitcoin experienced a sharp decline).

However, decentralized trading platforms, such as Idex, have had a hard time in slicing off the dominance that centralized exchanges such as Coinbase and Kraken hold over the market.

Centralized Exchanges (CEX) vs Decentralized (DEX) exchanges.

It’s worth noting that for the most part, cryptocurrency exchanges are typically centralized. Therefore, they can be considered as traditional go to’s. However, that does not make them ideal. But it does not eliminate the fact that they manage a lions share of market volume.

Centralized exchange store all transactional information in their own database which are accessible only by exchange staff. In this type of set up, the exchange acts as the man in the middle, an intermediary. Therefore, trades are not executed in a purely peer to peer fashion. In essence, CEX’s are custodians. The fact that their databases and majority of operations involving money are centralized – designate them as prime targets for numerous malicious acts such as hacks or fund misappropriation / mismanagement.

The obvious lapse in transparents regarding how funds are handled and appropriate reporting has lead to exchanges being under fire for fiddling with their reported data.

So, to sum up:

Pros of CEX’s:
Platform does its best to be aligned with legal, KYC, and AML requirements to support continuous operations.
Customer support and additional services.
Available liquidity due to popularity and large amounts of traders
Relatively simple to use and understand.

Cons of CEX’s:
Human factor is a presence, which can open up room for mayhem.
Lack of transparency regarding funds storage.
Security problems: frequent targeted by bad actors, increased risk of management money laundering activities.
Decentralized Exchanges (DEX)
As opposed to centralized exchanges, decentralized platforms do not store transactional information on centralized databases. DEX’s allow their users to carry out transactions in a peer to peer fashion. Trades take place from individual user wallet to individual user wallet.

Until the start of 2018, decentralized exchanges were relatively obscure and saw very little use in the market. It was in January 2018 that things started picking up with the launch of platforms such as Idex and DDEX. As we see in the image above, despite their popularity growing – decentralized exchanges are still a long shot away from centralized popularity.

As a rule of thumb, centralized exchanges typically offer only assets of one Blockchain. Predominantly that is of Ethereum. Their user interfaces leave a bit to be desired, which adversely affects the liquidity which they can offer. Though, it’s necessary to keep in mind that decentralized exchange providers will not cease to innovate.

Pros of DEX’s:
No centralized wallets or databases: increased security in light of hacks, risk of mismanagement is absent.
Traders are always in control of their own funds.

Cons of DEX’s:
Not popular.
Poor user interfaces.
May not withstand growing regulatory pressure.
Limited asset offerings.

New age has been arrived: Hybrid Exchanges (HEX)

Sufficient time has passed in the market to gauge the performance, pros, and cons of centralized and decentralized cryptocurrency exchanges. marks the launch of a new hybrid approach aimed at remedying the shortcomings of CEX’s and DEX’s. aims to change the practice of trading cryptocurrencies utilizing a “best of both worlds” approach.

With its Hybrid approach, NEXT aims to combine the usability, asset lineup, liquidity, and convenience of traditional centralized platforms with the transparency and asset security seen amongst decentralized exchanges and runs on top of their own blockchain. We built our own chain because we don’t believe that most “active” blockchains on the market right now are capable of handling the number of transactions required by what we consider to be a mass and growing market. This makes us unique, since we use the blockchain also to store transactions and digital assets. Assets which are never stored in a central ‘hot wallets’, but in private ones, where the private user have full control over his assets.

Chris van Steenbergen B.V.
email us here
+1 212-878-8877
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Source: EIN Presswire

IADA Foundation Now Tax Deductible

Providing Business Aviation Scholarships, Education, Learning, and Leadership Opportunities

IADA is proud of this designation by the IRS, which will permit us to expand our initiatives inside and outside the industry while we build a cadre of business aviation professionals for the future.”

— IADA Executive Director Wayne Starling

LAS VEGAS, NEVADA, USA, October 21, 2019 / — The foundation of the International Aircraft Dealers Association (IADA) has received approval from the Internal Revenue Service (IRS) as a tax-exempt 501 (c) (3) public charitable organization. The announcement was made at the 2019 NBAA Business Aviation Convention and Exhibition (NBAA-BACE) in Las Vegas, Nev.

"As an organization, IADA is proud of this new designation by the IRS, which will permit us to expand our initiatives inside and outside the industry while we build a cadre of business aviation professionals for the future," said IADA Executive Director Wayne Starling. "Our IADA dealers, brokers and products and services members are dedicated to the future of the pre-owned aircraft industry and we are all working towards increasing the transparency and integrity of transactions, and this is yet another example of that broad-based commitment."

IADA Foundation by-laws prescribe that the organization can provide business aviation scholarships, education, learning, and leadership opportunities. The organization is able to work through other organizations, including the National Business Aviation Association (NBAA), University of Virginia Darden School of Business, and Georgia State University, in addition to funding speakers at IADA annual meetings.

In addition, IADA will be permitted to make contributions for aviation related disaster relief and aviation related philanthropic causes through the NBAA Humanitarian Emergency Response Operator Database, Angel Flight and Corporate Angel Network.

IADA's dealer organizations and individual brokers do business in more than100 countries. They utilize, an online marketplace listing only aircraft offered exclusively for sale or lease by IADA members.

IADA members participate in a program of ongoing education to remain current on best practices and new developments in acquiring and selling business aircraft, as well as abiding by a strict code of ethics, integrity and transparency. IADA represents a variety of IADA verified product and aviation services that also operate with the highest professional standards in the industry.

IADA is a professional trade association formed more than 25 years ago, promoting the growth and public understanding of the aircraft resale industry. IADA now offers the world's only accreditation program for dealer organizations and the only certification program for individual brokers. The process delivers high standards of ethical business and transparency regarding aircraft transactions, leading to a more efficient and reliable marketplace.

For more info about IADA go to

Jim Gregory for IADA
James Gregory Consultancy llc
+1 316-558-8578
email us here

Source: EIN Presswire