Using Your Credit Card To Boost Your Credit Score.

Having a high credit score can translate to a lot of good benefits: lower auto rates, lower mortgage rates, and other perks.

You should make it your goal to use less than 10% of the credit that is available to you at any one time. This is because 30% of your credit score is determined by a factor called credit utilization.”

— Patrick Mansfield

HOUSTON, UNITED STATES, March 3, 2017 / — Having a high credit score can translate to a lot of good benefits: lower auto rates, lower mortgage rates, being offered the best rewards credit cards, and other perks. As a result, it should be the goal of every individual to raise their score as much as is possible as quickly as possible.

Using a credit card is probably the easiest way to raise your credit score over time, and in this article we are going to look at how to do just that.

Pay On Time, Every Time

Clocking in at 35% of your total credit score, payment history is the single most important factor for determining your score.

If you have never had credit before, this means that you will need to establish a good record of paying some sort of credit bill regularly. For those who are afraid to use credit, start by putting your gas purchases onto a credit card and then paying them off on time each month.

Don't Spend Too Much on Your Card(s)

When you apply for a credit card, the issuer will give you a credit "limit" based on your credit history and income. This is the amount of money that you are allowed to access via credit.

However, you should make it your goal to use less than 10% of the credit that is available to you at any one time. This is because 30% of your credit score is determined by a factor called "credit utilization".

Credit utilization is a number that measures how much credit you are using versus how much is actually available to you. The higher the number, the greater of a credit risk that you become in the eyes of lenders. As a result, it is best to keep your ratio beneath 10% from month to month, and the closer that you can get it to 0% the better.

Never Close Accounts

Often, individuals make the mistake of closing their accounts simply because they don't want them anymore. This can harm your credit score because it reduces your amount of available credit history available for lenders to review. Credit history is the third largest factor of determining your credit score, and it makes up 15% of the total.

TIP: If Your Need To Close An Account Try And Close The Most Recent Account.

The only exception for why you might reasonably close an account would be if that card issuer charges a high annual fee. However, before closing the account you should attempt to call the credit card company to get the annual fee waived.

Since it is more difficult to gain a new customer than to keep an old one, credit card companies are often willing to waive these annual fees to keep your business.

Think Wisely Before You Apply for New Credit

While the credit card offers that exist these days can be highly tempting, make sure that you don't apply for various credit cards quickly. Every time that you apply for a credit card, a "hard pull" is made on your credit report by the lender.

If you have more than two hard pulls on your credit report every year, it makes you look like you are desperate for credit and this can hurt your score. That is why the number of hard pulls on your report actually makes up 10% of your score.

So, before you apply for any new credit, you will want to consider these two things:

1. How likely are you to be approved? You don't want to waste a hard pull on a card that you may not be approved for.

2. Have you applied for too much credit lately? If so, you may want to reconsider applying now and wait for a few months.

Realted Articles On Consumer Credit Reports And Scores:

Consumer Rights With Their Annual Credit Report.
The Five Data Points Used In Calculating Credit Scores.
Consumer Credit Reports Home Page.

Patrick Mansfield
Info Seek Media, Inc.
email us here

Source: EIN Presswire

Restivo Monacelli LLP Unveils New Brand Identity and Website

New, Creative and Innovative Branding for Restivo Monacelli LLP

Restivo Monacelli LLP, an innovative tax, accounting and business advisory firm announced its new brand identity and redesigned website,

PROVIDENCE, RI, USA, March 3, 2017 / — Restivo Monacelli LLP, an innovative tax, accounting and business advisory firm headquartered in Providence, RI, today announced its new brand identity and redesigned website, The rebrand reflects Restivo Monacelli's unique business model, growth and evolution.

Founded nearly two decades ago by a group of Partners that have significant first-hand business experience, Restivo Monacelli operates differently than traditional accounting firms. In addition to being Certified Public Accountants with numerous other advanced credentials, the firm is comprised of business leaders and entrepreneurs that leverage their depth of expertise across a wide range of industries to help clients achieve profitability and success.

Restivo Monacelli also has a highly specialized Estate and Trust Planning / Wealth Preservation practice for high-net-worth individuals that want to grow and protect their wealth and assets. The firm's new brand identity also exemplifies its culture of innovation and collaboration. Restivo Monacelli's growing team of professionals are cross-trained in various disciplines, including Tax, Audit and Accounting, Business Valuation, Litigation Support, Estate and Trust Planning, Mergers and Acquisitions, and Strategic Consulting.

The plus sign in the new logo symbolizes the added value and expertise they provide to their clients. Restivo Monacelli's redesigned website includes a modern design and improved navigation to spotlight the firm's industry-leading services and expertise. Jack Cacchiotti, one of the founding partners, said of the rebranding: "Our success is rooted in our ability to continuously look for ways to be creative and innovative. The evolution of our brand and our new state-of-the-art website is part of a larger movement at the firm to facilitate our continued growth and keep Restivo Monacelli on the cutting-edge."

About Restivo Monacelli LLP: Restivo Monacelli is an innovative tax, accounting and business advisory firm, headquartered in Providence, RI. Established more than two decades ago with a uniquely different business model than traditional accounting firms, we leverage our first-hand business experience and financial expertise to provide forward-thinking solutions that drive growth and long-term success. Restivo Monacelli provides professional auditing and accounting, state, federal and international tax services, estate and wealth preservation, strategic planning/consulting, business valuation, and business outsourcing solutions to clients throughout the United States. With a team of over 30 professionals and specialists at your fingertips, we deliver all the resources of a much larger firm with the responsiveness and personal service normally only found in a smaller, boutique firm.

Restivo Monacelli stays ahead of the curve on industry trends, regulations and resources in order to guide clients across an ever-changing landscape. As a result, the firm has consistently grown and evolved to be a best-in-class tax, accounting and business advisory firm for clients nationwide.

Courtney Guertin
Restivo Monacelli LLP
email us here

Source: EIN Presswire

Globalsat Group Appointed as an Inmarsat Enterprise Distribution Partner

Globalsat Group has been appointed as an Enterprise Distribution Partner to Inmarsat Global, the global mobile satellite operator.

Gaining Distribution Partner status demonstrates the validity of our agile ‘mesh network’ organizational structure and end user-oriented philosophy”

— J. Alberto Palacios

DAVIE, FLORIDA, USA, March 3, 2017 / — Globalsat Group, a leading consortium provider of mobile satellite services in the Americas, has been appointed as an Enterprise Distribution Partner to Inmarsat Global, the global mobile satellite operator. This new status and enhanced relationship will allow earlier hands-on access to upcoming products, direct hotlines to operations personnel for faster customer support and a higher level of solutions customization. Globalsat Group is the only Distribution Partner with local affiliated companies in nine countries in the Western Hemisphere.

According to Globalsat Group CEO J. Alberto Palacios, “Our focus on the human factor of satellite communications and our diverse experience across geographical, cultural, technical and regulatory boundaries have enabled us to develop a breadth of expertise. This only increases with every effective solution and every satisfied customer. Gaining Enterprise Distribution Partner status demonstrates the validity of our agile ‘mesh network’ organizational structure and end user-oriented philosophy. This understanding of client requirements allow us to find the right channel solution with our network of experts, resulted in an outstanding level of service.  We thank Inmarsat for recognizing this and bringing both our of our organizations even closer.”

Paul Gudonis, President, Inmarsat Enterprise, commented on the new partnership: “The Americas are home to several exciting markets, with Latin America and Brazil in particular, demonstrating great dynamism in recent decades. This agreement enables us to tap into Globalsat’s deep understanding of the needs of those markets and its distinct ‘mesh network’ approach, so together we can provide superior customized access to satellite communications services.

“With thousands of Globalsat Group customers depending on these critical communications on a daily basis, this new partnership will enable them to gain competitive advantage through access to innovative products before they reach the general market.”

About Globalsat Group

Globalsat Group is an American consortium founded in 1999 which provides Mobile Satellite Services (MSS) through local presence in the United States, Argentina, Bolivia, Brazil, Canada, Chile, Colombia, Peru and Mexico, as well as distributors in the region’s most important cities. Delivered solutions span all MSS service areas including land, sea and air, serving mobile satellite data and voice for thousands of customers in sectors such as Defense, Government, Utilities, Oil & Gas, Mining, Banking, Media, Agriculture, NGOs and Tourism.

The group received the “2016 Latin America Satellite Communications Company of the Year” award from the highly recognized international consulting firm Frost & Sullivan. Globalsat Group was also named "Company to Watch" in the category Emergency Response Mobility Satcom Innovation by the Mobile Satellite Users Association (MSUA). For more information please visit .

About Inmarsat

Inmarsat plc is the leading provider of global mobile satellite communications services. Since 1979, Inmarsat has been providing reliable voice and high-speed data communications to governments, enterprises and other organizations, with a range of services that can be used on land, at sea or in the air. Inmarsat operates in more than 60 locations around the world, with a presence in the major ports and centres of commerce on every continent. Inmarsat is listed on the London Stock Exchange (ISAT.L). For more information, please visit

The Inmarsat press release newsfeed and corporate updates are on @InmarsatGlobal.

Silvina Graziadio
Globalsat Group LLC
+1 (561) 419 9856
email us here

Source: EIN Presswire

Wealth in US Market 2017 Share, Trend, Segmentation and Forecast to 2020



Wealth in US Global Market Share, Opportunities, Segmentation and Forecast to 2022

PUNE, INDIA, March 3, 2017 / — Summary
“Wealth in the US: HNW Investors” report analyzes the investing preferences and portfolio allocation of US HNW investors. The report is based on our proprietary Global Wealth Managers Survey.

The US is the largest wealth market in the world, and home to a diverse and sizable HNW segment. As the population continues to age, building ties with younger generations will ensure the successful transfer of wealth to beneficiaries. The range of countries of origin among HNW expats in the US is diverse, with the majority from China and the UK. Over one third of client investment portfolios are allocated into equity investments, and with continued market uncertainty expected in the future, greater importance is placed on cash holdings.


Specifically, the report –
– Profiles the average US HNW investor in terms of their demographics and analyzes the expat opportunity in the US.
– Analyzes which wealth management mandates are preferred among US HNW investors and how the demand will develop looking forward.
– Examines the allocation of US HNW investors’ portfolios into different asset classes and how the allocation is expected to develop in the future.
– Analyzes the product and service demand among US HNW investors.

– 38.2% of US HNW individuals have gained wealth either as family business owners or as first-generation entrepreneurs. As these sources of wealth continue to increase in importance, greater demand is expected for personalized wealth management services.
– The majority of HNW investments are held in discretionary mandates. However, wealth managers expect growing demand for execution-only asset management and automated investment services in the next two years. This is reflective of some clients preferring a higher level of involvement in their investment choices.
– Equities are the main constituent of a US HNW investment portfolio, representing nearly half of an average US HNW portfolio. Though cash investments make up just 5.1% of an average HNW portfolio, they are gaining importance.
– Among planning services, financial planning shows the strongest demand. But wealth managers will do well to provide a complete suite of tax planning services, as 68.9% expect demand for these services to increase in the near future.

Reasons to buy
– Develop and enhance your client targeting strategies using our data on HNW profiles and source of wealth.
– Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors’ drivers for seeking investment advice vs self-directing.
– Tailor your investment product portfolio to match the current and future demand for different asset classes among HNW individuals.
– Develop your service proposition to match the service and product demand expressed by US HNW investors and react proactively to the forecasted change in demand.

Table of Content: Key Points
Executive Summary
1.1. US HNW clients prefer custom and discretionary approaches to wealth management
1.2. Key findings
1.3. Critical success factors
2 Profiling the US HNW Investor
2.1. Earned income accounts for the largest proportion of US HNW wealth
2.2. Expats in the US are a small but important segment
3 US HNW Investment Style Preferences
3.1. US HNW investors prefer their wealth professionally managed
3.2. US HNW individuals prefer their portfolios to be managed by a professional
4 Understanding Asset Allocation Trends among US HNW Investors
4.1. Current asset allocation is heavily weighted towards equities
4.1.1. Equity and alternative investments dominate HNW portfolios
4.1.2. Equity investments make up nearly half of US HNW portfolios
4.1.3. US HNW investor portfolios display noticeable demand for bond investments
4.1.4. HNW individuals shift assets away from cash investments
4.1.5. HNW client portfolios allocate a minimal proportion of wealth to property investments
4.1.6. Commodity investments are of little interest to US HNW clients
4.1.7. Alternatives constitute 7% of the typical HNW portfolio
5 US HNW Product and Service Demand
5.1. Planning services are in high demand in the US
5.1.1. Inheritance planning presents an opportunity for wealth managers to resonate with recipients
5.1.2. A holistic approach to providing wealth management services is key for resonating with the US HNW market


Get in touch:

Norah Trent
+1 646 845 9349 / +44 208 133 9349
email us here

Source: EIN Presswire

New Zealand Central Banker Don Brash to Fight General Election over Threat of Separatism nurtured by “Political Class.”

Five Questions for Dr Don Brash…………………………

NAPIER, HAWKES BAY, NEW ZEALAND, March 3, 2017 / — Nobody today in so many different roles and for quite so long has stood at the centre of public life so enduringly as Don Brash. Economist, businessman, banker, politician, the former Governor of the Reserve Bank and leader of the National Party has defied typecasting. At one and the same time severe yet extravagant, austere yet colourful, scholarly yet populist, he has contrived always to reconfigure himself around the times. Now he has stridently intervened in institutionally-fuelled separatism. Shrouded in a protective veneer of high-minded fashionable purpose that makes ordinary people fearful to question it, Dr Brash vehemently, unequivocally declares the voguish syndrome as ultimately destined to tear the nation apart……

You are often considered to be at heart primarily concerned with matters economic and their corresponding data.

 Yet here you are now immersing yourself in what many might consider a socio-ethical issue?

 Yes, most of my career has been about monetary policy, banking, and economic issues more generally.  But my interest in economics has always been because of my interest in the well-being of society more generally.  I have long felt, for example, that it will be difficult or impossible to maintain a broadly egalitarian society in New Zealand – the kind of society in which I was brought up – if average living standards fall too far below those in Australia because of the ease with which skilled New Zealanders can cross the Tasman for very much higher incomes in Sydney or Melbourne. 

If we want the kind of healthcare which those in advanced developed countries take for granted, we have to have the living standards to support that healthcare.  A few years ago, there was a big debate about whether Pharmac should subsidize the provision of Herceptin for the treatment of certain kinds of breast cancer, and it was noted that Australia did so.  The fact of the matter was that at that time virtually all the countries which subsidized access to Herceptin had higher living standards than New Zealand did; those which did not provide a subsidy, had lower living standards – we were right on the cusp.  For me, interest in economics has always been about the implications of economic policy for the well-being of society.

 Hence, I was strongly opposed to inflation in part at least because of the totally capricious effects which inflation has on wealth distribution – those who save in fixed interest instruments being thoroughly gutted by inflation, while those who borrow heavily to invest in, say, property, make huge and totally untaxed gains with little or no effort.  That has always seemed to me to be grossly unjust.
Will the Hobson’s Pledge Movement become a force in the pending general election?

 I certainly hope so.  I find it very depressing that the National Party has moved such a long way from its roots in this policy area.  In 2002, Bill English gave a lengthy and very thoughtful speech, demonstrating clearly that Maori chiefs had ceded sovereignty in signing the Treaty and arguing that the only way for a peaceful future for New Zealand was a “single standard of citizenship for all”. 

In May 2003, he pledged that a future National Government would scrap separate Maori electorates, as the Royal Commission on the Electoral System had recommended in the late eighties if MMP were adopted.  I made similar commitments when I was Leader of the National Party, as did John Key in the election campaign of 2008.  And yet we’ve seen the National-led Government retreat a very long way from that position.
I applaud the fact that the current Government has accelerated the resolution of historical grievances, but utterly deplore the fact that too often resolution has involved not just financial redress but also “co-governance”. 

We see the proposed amendment to the RMA requiring all local councils to invite their local tribes into so-called “iwi participation agreements”, involving co-governance on a grand scale.  We saw the legislation establishing the Auckland super-city requiring an Independent Maori Statutory Board, with the Auckland Council giving members of that unelected Board voting rights on most Auckland Council committees. 

We see the Government negotiating behind closed doors with the so-called Iwi Leaders Group to give tribes some form of special influence over the allocation of water, despite pretending to believe that “nobody owns water”.  We see a proposal to make half the members of the Hauraki Gulf Forum tribal appointees.
The myth that the Treaty of Waitangi created some kind of “partnership” between Maori on the one hand (or more accurately, those who can claim at least one Maori ancestor, always now along with ancestors of other ethnicities) and the rest of us on the other is increasingly accepted as Holy Writ, subscribing to which is becoming essential for many positions in the public sector.

 So I’m very much hoping that Hobson’s Pledge can help to substantially reverse this highly undemocratic drift after the next election.
You say that the National government is “pandering” to “separatist demands.”  Which of these demands do you consider the most dangerous?

 Where do I start?  I’ve just listed some of the specific policies which are totally inconsistent with any reasonable definition of democracy.  Most of those specific policies stem from the underlying myth that the Treaty established some kind of “partnership” between those with a Maori ancestor and those of us without, as I’ve just mentioned.  But as David Lange said in the Bruce Jesson Memorial Lecture in 2000, “the Court of Appeal once, absurdly, described [the Treaty] as a partnership between races, but it obviously is not…  The Treaty itself contains no principles which can usefully guide government or courts….   To go further than that is to acknowledge the existence of undemocratic forms of rights, entitlements, or sovereignty.”

All the specific examples I gave in answer to the previous question stem from the underlying nonsense that there are two (and only two!) distinct groups of New Zealanders, those with preferential constitutional rights and those without them.  This is leading New Zealand to disaster with a whole generation of part-Maori believing that they really do have superior constitutional rights to the rest of us.

To what degree would you ascribe this separatist development agitation as being primarily a project of the political class from whatever background?

 Certainly, I think what you call the “political class” is the main driver of this separatist agitation, together with arguably most of the educational establishment, where adherence to so-called “Treaty principles” seems to be an absolute prerequisite for appointment to any teaching or leadership position. 

The same is true in the public healthcare sector.  But there is plenty of evidence that large numbers of the “general public” do not support the separatist agenda but are literally cowed into silence on the issue. 

I regularly get people sidle up to me in the street and, after looking furtively up and down the street lest they are recognized by friends or acquaintances, tell me that they strongly agree with me.  One university professor did this recently, but swore me not to mention his name or university department.  And some of these people are Maori. 

Of course, Hobson’s Pledge has two official spokespeople, one of whom is me and the other is Casey Costello, a woman of Ngapuhi and Anglo-Irish ancestry.  But two of our very strongest supporters (though not members of our council) are Maori – one a prominent member of the Ngapuhi tribe and the other Ngati Porou. 

The latter was a member of our council when we first established Hobson’s Pledge but, because he is closely associated with a political party, withdrew lest his membership of Hobson’s Pledge raise a question about whether we are a front for the political party he is closely associated with. 

He resents the separatist agenda because he believes strongly that it is patronizing, implying that Maori aren’t quite good enough to make it successfully without these constitutional preferences.

Bearing in mind your underpinning career in banking, economics and looking now at the broader picture: where is the country now in your view in terms of nuts and bolts things such as balance of payments and foreign debt?

 Compared with some other countries, we are in a good spot, with the economy growing, unemployment fairly low and government debt modest relative to GDP.  Our banking sector is in reasonable shape.   Even the extent of the country’s (public and private sector) total net external indebtedness is somewhat better than it was a decade ago, though still high by developed country standards.
But there are significant problems just below the surface of that apparently rosy picture.  Yes, the economy is growing, but that is largely because the number of people in the workforce is growing strongly because of a high level of net immigration: productivity, and thus per capita income, is growing very slowly indeed, and the Government’s initial objective of closing the income gap with Australia by 2025 is not only not going to be achieved, the gap hasn’t reduced materially over the last eight years.

 The ratio of government debt to GDP is modest by the standards of many other developed countries, but the Key Government did absolutely nothing to prepare the population for the need to adjust, for example, the age of eligibility for New Zealand Superannuation if government debt is not to explode, relative to GDP, over the next few decades.  (Mr English, to his credit, has refused to renew Mr Key’s pledge on this issue.)

And while the country’s net external indebtedness, relative to GDP, has improved somewhat in recent years, that external indebtedness remains at a high level, the consequence of New Zealand’s running a current account balance of payments deficit every year since 1974.  Much of that deficit has been funded by banks borrowing on the international markets to fund the explosion of private sector housing debt, the result in turn of another serious policy failing, the failure to deal with the enormous increase in the price of housing (or more accurately, of residential land).

Max Farndale
Manufacturers Success Connection
64 6 870 4506
email us here

Source: EIN Presswire

South Africa’s Department of Human Settlements to support Captains of Construction and Infrastructure initiative

The South African Department of Human Settlements shows its support for improved quality of household life through the Captains of Construction and Infrastructure Leadership Forum

The third annual Captains of Construction and Infrastructure Leadership Forum is proud to be hosting South Africa’s Department of Human Settlements

JOHANNESBURG, GAUTENG, SOUTH AFRICA, March 3, 2017 / — South Africa’s National Department of Human Settlements announces its support of the 3rd annual Captains of Construction and Infrastructure Leadership Forum hosted as part of the 5th annual African Construction and Totally Concrete Expo. Both platforms will take place from 23 to 24 May 2017 at the Gallagher Convention Centre in Johannesburg, South Africa. The 2017 initiative welcomes South Africa’s Department of Human Settlements as an Official Government Partner in 2017.

The 5th annual African Construction and Totally Concrete Expo sets the stage for increased communication and collaboration amidst public and private sector operators in Africa’s built environment. The overall event attracts more than 250 exhibitors and over 9 000 participants on an annual basis to form Africa’s mega infrastructure show and biggest gathering of construction professionals under one roof.

In 2017 the initiative includes the Women in Construction Awards hosted by The Honourable Susan Shabangu, Minister of Women in the Presidency in South Africa, as well as the Captains of Construction and Infrastructure Leadership Forum that will open with a keynote address delivered by The Honourable Lindiwe Sisulu, South Africa’s Minister of Human Settlements. The Department of Human Settlements of South Africa is committed to the National Development Plan’s 2030 vision of transforming human settlements and the spatial economy to create more functionally integrated, balanced and vibrant urban settlements.

South Africa’s Department of Human Settlements continues its commitment to the facilitation and creation of sustainable Human Settlements and improved quality of household life through its role as Official Government Partner of the African Construction and Totally Concrete Expo. “The expo and forum combined allows the leadership of the Department of Human Settlements to get feedback from stakeholders and also to present their vision; it is an important forum," says General Ndivhuwo Wa Ha Mabaya, Head of Communications and Ministry Spokesperson for South Africa’s Department of Human Settlements.

The Women in Construction Awards, held during the African Construction and Totally Concrete Expo, is a collaborative platform dedicated to recognising excellence and empowerment in Africa’s built environment. The Captains of Construction and Infrastructure Leadership Forum, another co-located initiative, unites the continent’s most competent and passionate industry leaders to identify bankable infrastructure projects, promote and develop effective public-private partnerships, and optimise spending.

The African Construction and Totally Concrete Expo caters for the entire African construction, cement and concrete industries. The audience includes architects, engineers, contractors, quantity surveyors, government representatives as well as suppliers of products and services to the industry. From indoor to outdoor experiences, workshops to prizes, there is something for everyone at the African Construction and Totally Concrete Expo 2017.

For more information please visit

Tamsin Collins
Access Africa
+27 21 700 4354
email us here

Source: EIN Presswire

Speech Analytics Market Projected to Reach USD 1.75 Billion by 2022 with Estimated CAGR of 23% from 2016 to 2022

Market Research Future

Global Speech Analytics Market by Type (Services, Solutions), Deployment Type (Cloud, On-premise), by End-User (BFSI, Government, Retail, IT) – Forecast 2022

Key Players in Market are Verint Systems, Inc. (US), Genesys Telecommunication Laboratories, Inc. (US), Callminer, Inc. (US), NICE Systems Ltd.( Israel), Avaya, Inc.(US), HP Enterprise(US)”

— Market Research Future

PUNE, MAHARASHTRA, INDIA, March 3, 2017 / — Synopsis of Speech Analytics Market

Market Drivers:

Market Research Future published a half cooked research report on Speech Analytics. The Global Market for Speech Analytics is majorly driven by factors such as increased importance of voice in multichannel world and increasing adaptation of contact centers.

Market Forecast:

Speech Analytics Market is expected to grow at CAGR of ~23% during the period of 2016 to 2022 and expected to reach market size of US $ ~1.75 billion by the end of 2022

Market Overview

There are many channels used like voice, social channels, email, and surveys amongst which consumers prefer voice i.e. phone interactions the most. This has led to use voice user interface in speech analytics with an objective of deriving insights from various contact points. This increase in customer interaction by use of various channels is acting as a major driving force for business analytics market growth.

The interest of organizations to analyze its customers and making decisions for customer’s interest is also boosting the growth of speech analytics market. The pressure on business is currently to safeguard their intellectual property for gaining efficiency in business operations. This is done by gaining insights from customer interactions.

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Key Players in Market:

The prominent players in the Speech Analytics market are-

• Verint Systems, Inc. (US)
• Genesys Telecommunication Laboratories, Inc. (US)
• Callminer, Inc. (US)
• NICE Systems Ltd. (Israel)
• Avaya, Inc. (US)
• HP Enterprise (US)
• Calabrio, Inc. (US)
• Calabridge, Inc. (US)
• Aspect Software Inc. (US)
• Castel communications LLC (US)

Speech Analytics Market Segmentation

The speech analytics can be segmented into type, deployment and organization size. Types of speech analytics available in the market are Solutions (such as analysis and query tools, dash boards and reporting tool, indexing and speech engine) and Services among others. The deployment includes- cloud and on-premise. The organization size includes- large enterprises and small & medium enterprises. The technology is used in several end-users sectors such as BFSI, entertainment, government, retail, IT& Telecom and healthcare among others.

Access the market data and market information presented through more than 30 market data tables and figures spread over 100 numbers of pages of the project report “Global Speech Analytics Market

Browse Report Details @

Market Research Analysis:

Market Research Future Analysis shows that North America is leading the speech analytics market. Contact center outsourcing has witnessed a high growth rate in this region which compels the players in the market to provide companies with innovative speech analytics. However, the region is expected to be at slow growth in the forecast period as the higher adoption of technology in that region might result in maturation. Contact centers use speech analytics in various solutions such as agent performance management to gain market intelligence, customer experience management and compliance management.

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Commenting on the report, an analyst from Market Research Future (MRFR)’s team said:

“The demand for speech analytics is derived by increasing competition among organizations, need for customer relationship management (CRM), increasing number of contact centers, and growing importance of customer feedback. The need to improve organization market intelligence capabilities and growing prominence of voice across multi-channel is expected to positively impact on speech analytics market growth. The factors which can act as a challenge for market growth are rise in costs and lack of awareness.”

About Market Research Future:

At Market Research Future (MRFR), we enable our customers to unravel the complexity of various industries through our Cooked Research Report (CRR), Half-Cooked Research Reports (HCRR), Raw Research Reports (3R), Continuous-Feed Research (CFR), and Market Research & Consulting Services.

MRFR team have supreme objective to provide the optimum quality market research and intelligence services to our clients. Our market research studies by products, services, technologies, applications, end users, and market players for global, regional, and country level market segments, enable our clients to see more, know more, and do more, which help to answer all their most important questions.

In order to stay updated with technology and work process of the industry, MRFR often plans & conducts meet with the industry experts and industrial visits for its research analyst members.

Akash Anand
Market Research Future
+1 646 845 9312
email us here

Source: EIN Presswire

Financial Technology (FinTech) Global Market Segmentation and Major Players Analysis and Forecast to 2022

Financial Technology (FinTech) Market 2017 Global Trends, Market Share, Industry Size, Growth, Opportunities and Forecast to 2022

PUNE, INDIA, March 3, 2017 / — This report studies the global Financial Technology (FinTech) market, analyzes and researches the Financial Technology (FinTech) development status and forecast in United States, EU, Japan, China, India and Southeast Asia. This report focuses on the top players in global market, like
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Market segment by Regions/Countries, this report covers
United States
Southeast Asia
Market segment by Type, Financial Technology (FinTech) can be split into
Market segment by Application, Financial Technology (FinTech) can be split into
Traditional Financial Institutions
Complete report details @
Key points in table of content
1 Industry Overview of Financial Technology (FinTech)
1.1 Financial Technology (FinTech) Market Overview
1.1.1 Financial Technology (FinTech) Product Scope
1.1.2 Market Status and Outlook
1.2 Global Financial Technology (FinTech) Market Size and Analysis by Regions
1.2.1 United States
1.2.2 EU
1.2.3 Japan
1.2.4 China
1.2.5 India
1.2.6 Southeast Asia
1.3 Financial Technology (FinTech) Market by Type
1.3.1 C2C
1.3.2 B2C
1.3.3 B2B
1.4 Financial Technology (FinTech) Market by End Users/Application
1.4.1 Traditional Financial Institutions
1.4.2 Intermediaries
1.4.3 Government
1.4.4 Others
2 Global Financial Technology (FinTech) Competition Analysis by Players
2.1 Financial Technology (FinTech) Market Size (Value) by Players (2016 and 2017)
2.2 Competitive Status and Trend
2.2.1 Market Concentration Rate
2.2.2 Product/Service Differences
2.2.3 New Entrants
2.2.4 The Technology Trends in Future
3 Company (Top Players) Profiles
3.1 Oracle
3.1.1 Company Profile
3.1.2 Main Business/Business Overview
3.1.3 Products, Services and Solutions
3.1.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.1.5 Recent Developments
3.2 Trendmicro
3.2.1 Company Profile
3.2.2 Main Business/Business Overview
3.2.3 Products, Services and Solutions
3.2.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.2.5 Recent Developments
3.3 Beyondtrust
3.3.1 Company Profile
3.3.2 Main Business/Business Overview
3.3.3 Products, Services and Solutions
3.3.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.3.5 Recent Developments
3.4 NCR
3.4.1 Company Profile
3.4.2 Main Business/Business Overview
3.4.3 Products, Services and Solutions
3.4.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.4.5 Recent Developments
3.5 Cigital
3.5.1 Company Profile
3.5.2 Main Business/Business Overview
3.5.3 Products, Services and Solutions
3.5.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.5.5 Recent Developments
3.6 Tripwire
3.6.1 Company Profile
3.6.2 Main Business/Business Overview
3.6.3 Products, Services and Solutions
3.6.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.6.5 Recent Developments
3.7 Checkpoint
3.7.1 Company Profile
3.7.2 Main Business/Business Overview
3.7.3 Products, Services and Solutions
3.7.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.7.5 Recent Developments
3.8 Kaspersky
3.8.1 Company Profile
3.8.2 Main Business/Business Overview
3.8.3 Products, Services and Solutions
3.8.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.8.5 Recent Developments
3.9 Luxoft
3.9.1 Company Profile
3.9.2 Main Business/Business Overview
3.9.3 Products, Services and Solutions
3.9.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.9.5 Recent Developments
3.10 Gomoxie
3.10.1 Company Profile
3.10.2 Main Business/Business Overview
3.10.3 Products, Services and Solutions
3.10.4 Financial Technology (FinTech) Revenue (Value) (2012-2017)
3.10.5 Recent Developments
4 Global Financial Technology (FinTech) Market Size by Type and Application (2012-2017)
4.1 Global Financial Technology (FinTech) Market Size by Type (2012-2017)
4.2 Global Financial Technology (FinTech) Market Size by Application (2012-2017)
4.3 Potential Application of Financial Technology (FinTech) in Future
4.4 Top Consumer/End Users of Financial Technology (FinTech)
5 United States Financial Technology (FinTech) Development Status and Outlook
5.1 United States Financial Technology (FinTech) Market Size (2012-2017)
5.2 United States Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
6 EU Financial Technology (FinTech) Development Status and Outlook
6.1 EU Financial Technology (FinTech) Market Size (2012-2017)
6.2 EU Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
7 Japan Financial Technology (FinTech) Development Status and Outlook
7.1 Japan Financial Technology (FinTech) Market Size (2012-2017)
7.2 Japan Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
8 China Financial Technology (FinTech) Development Status and Outlook
8.1 China Financial Technology (FinTech) Market Size (2012-2017)
8.2 China Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
9 India Financial Technology (FinTech) Development Status and Outlook
9.1 India Financial Technology (FinTech) Market Size (2012-2017)
9.2 India Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
10 Southeast Asia Financial Technology (FinTech) Development Status and Outlook
10.1 Southeast Asia Financial Technology (FinTech) Market Size (2012-2017)
10.2 Southeast Asia Financial Technology (FinTech) Market Size and Market Share by Players (2016 and 2017)
11 Market Forecast by Regions, Type and Application (2017-2022)
11.1 Global Financial Technology (FinTech) Market Size (Value) by Regions (2017-2022)
11.1.1 United States Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.1.2 EU Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.1.3 Japan Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.1.4 China Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.1.5 India Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.1.6 Southeast Asia Financial Technology (FinTech) Revenue and Growth Rate (2017-2022)
11.2 Global Financial Technology (FinTech) Market Size (Value) by Type (2017-2022)
11.3 Global Financial Technology (FinTech) Market Size by Application (2017-2022)
12 Financial Technology (FinTech) Market Dynamics
12.1 Financial Technology (FinTech) Market Opportunities
12.2 Financial Technology (FinTech) Challenge and Risk
12.2.1 Competition from Opponents
12.2.2 Downside Risks of Economy
12.3 Financial Technology (FinTech) Market Constraints and Threat
12.3.1 Threat from Substitute
12.3.2 Government Policy
12.3.3 Technology Risks
12.4 Financial Technology (FinTech) Market Driving Force
12.4.1 Growing Demand from Emerging Markets
12.4.2 Potential Application
13 Market Effect Factors Analysis
13.1 Technology Progress/Risk
13.1.1 Substitutes
13.1.2 Technology Progress in Related Industry
13.2 Consumer Needs Trend/Customer Preference
13.3 External Environmental Change
13.3.1 Economic Fluctuations
13.3.2 Other Risk Factors
14 Research Finding/Conclusion
15 Appendix
Analyst Introduction
Data Source

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Source: EIN Presswire

Global COPD Inhalers Market is Expected to Reach 61.3 Billion by 2022 with a CAGR of 5.3% from 2016

Market Research Report

Market Research Report

Many of the pharmaceutical giants are spending a large amount of fund on the research and development of COPD treatment

PUNE, MAHARASHTRA, INDIA, March 3, 2017 / — COPD Inhalers Market
Chronic Obstructive Pulmonary Disease (COPD) is a wide term used for progressive lung diseases which includes chronic bronchitis, emphysema, refractory asthma, and some forms of bronchiectasis. The symptoms of COPD includes recurrent coughing with or without sputum, difficulty in breathing, wheezing and tightness in the chest due to the blockage of lungs’ airways. More than 70 million people in the world are suffering from COPD as of 2015, majority of them being Americans.

For all the Chronic Obstructive Pulmonary Diseases, there is no cure but certain treatments help in improving quality of life of COPD patients. One of the effective treatments for COPD patients is COPD Inhalers. COPD inhalers can be further segmented into inhaler medicines and inhaler devices. Through inhaler devices, a medicine can be directly provided to the lungs, which is one of the most effective and quick treatment for COPD. This method of treatment also requires a smaller quantity of medicine as compared to that when one takes a medicine in tablets or liquid form.

The global market in terms of value for both inhaler devices and medicines is growing hand in hand as for the inhalation of medicines inhaling devices are required. According to the study conducted by MRFR analysts, the “Global COPD Inhalers Market is expected to reach ~$61.3 billion by 2022 with a compound annual growth rate of ~5.3% from 2016.”

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Several types of COPD Inhaler devices are prevalent amongst COPD patients such as manually actuated pressurised metered-dose inhalers, breath-actuated pressurised metered-dose inhalers (MDIs), Dry Powder Inhalers (DPI) and mist inhalers. However, majority of COPD patients use actuated pressurised metered-dose inhalers (pMDIs) and Breath-actuated pressurised metered-dose inhalers which are small and handy inhalers which require pressurised inactive gas to impel a dose of medicine. Other types such as Dry powder inhalers and mist inhalers which are comparatively uses new technology are gaining the market attention and is showing higher pace of growth in this market.

Over the years, COPD inhaler medicines market has witnessed addition of innovative medicines for the treatment. Based on the severity of disease, Inhaler medicines are classified into rescue and controller medicines. Controller medicines are prescribed every day whereas rescue medicines are to be taken once in a while under the good control of COPD. Out of these two types, controller medicines command the major market share. These medicines are usually classified into short-acting bronchodilators (each dose effective for 3-6 hours), long- acting bronchodilators (each dose effective for at least 12 hours) and steroids (given in combination with a beta-agonist long-acting inhaler). Some of the established and highest revenue generating medicine brands in this segment are GSK’s Advair, AstraZeneca's Symbicort, and Boehringer Ingelheim’s Spiriva.

Key Player Analysis
• AstraZeneca
• Boehringer Ingelheim
• Teva Pharmaceutical Industries
• GlaxoSmithKline
• Novartis Pharmaceuticals
• Teva pharmaceuticals
• Merck & Co.
• Chiesi Farmaceutici S.p.A.

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COPD Inhalers Market: Regional Analysis
North America is recorded to be the largest and one of the rapidly growing markets due to increasing COPD cases. According to COPD foundation, there were around 30 million COPD people alone in America in 2015. The United States is one of the countries with highest number of COPD cases amongst other countries in North American region.

Following US Europe is the second-largest market in the world with the growing incidence of disease in the countries such as UK, France, Germany and Belgium. In Europe alone, about 55% of these total studies are conducted, UK being at the top of this list is conducting highest number of clinical trials along with Netherlands, Germany, Denmark, Belgium, Finland, Romania and other EU countries.

APAC followed by the Middle East and Africa are the growing markets in this industry due to increasing number of ageing population, a large number of COPD population, rising tobacco consumption and increased number of smoking population (COPD Foundation, 2017).

MRFR Analyst View:
Based on the current situations in the field of COPD therapeutic area, a good amount of research is going on by major pharmaceutical companies to find out the best possible treatment options for COPD. However, there is a dearth of focus on indirect treatment options such as COPD awareness campaigns and pulmonary rehabilitation canters. All the leading players in the industry can come up with such pulmonary rehabilitation centres as a part of their CSR activity which would help in the early detection of COPD. This initiative would also be useful for their branding and would clearly increase the treatment options for COPD patients giving them a better life.

Furthermore, with growing incidence cases, various studies conducted by WHO and national health authorities in various countries, COPD has come up to be one of the alarming cause of death all over the world, which soon needs to be taken under control. The governments of various countries, NGOs and research foundations are actively participating in this research area to provide some sort of solution to the affected population. Although the incidence cases of COPD are growing year on year, there is a hope of cure with the increasing research and development in this therapeutic area.

Related Report
Globally the market for smart inhalers is growing rapidly and is expected to grow massively reaching $213 million in 2022

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Market Research Future
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Source: EIN Presswire

AppZen CEO to Present New Artificial Intelligence Technology at Concur Fusion 2017

AppZen CEO Anant Kale to Present AI for Travel and Expense Audit at Concur Fusion 2017

Founder of Pioneering Artificial Intelligence Company for Back Office Automation to Lead Discussion on Using AI for Travel and Expense Fraud Detection

Today’s advanced technologies, like AI, enable sophisticated, automated fraud and compliance violation detection without the need for a full-time audit staff”

— Anant Kale, AppZen CEO and Founder

SUNNYVALE, CA, UNITED STATES, March 2, 2017 / — AppZen CEO and Founder, Anant Kale, will present at the upcoming Concur Fusion 2017 conference to be held at McCormick Place, Chicago on March 14-17. Concur Fusion is the annual client conference offering a range of educational sessions on how to bring innovation and value to business expense, invoice, and travel programs.

AppZen’s Kale will connect with more than 2000 attendees from around the globe through his March 16, 1:30 p.m. CT presentation titled, “Busted by a Robot: Using Artificial Intelligence to Sniff Out Fraud.”

“No one wants to imagine that their trusted employees might steal,” said Kale. “But in business, we must always make preparations to handle any potentiality. Whether intentional or unintentional, expense fraud must be eliminated. Fortunately, today’s advanced technologies, like AI, enable sophisticated, automated fraud and compliance violation detection without the need for a full-time audit staff.”

Kale’s presentation at Concur Fusion 2017 will empower attendees with the knowledge of how the latest AI software can aid in finding and preventing expense fraud, as well as the understanding to implement such technology successfully within their organizations.

AppZen is also sponsoring the Chicago-based event and will be on-hand with an exhibit at Booth #41.

“We couldn’t be more excited to partner with Concur at their Fusion conference,” said Kale. “Every year, the conference is an opportunity for business professionals worldwide to gather, network, and learn. The daily keynotes, interactive demos, and more than 80 breakout sessions on tap for 2017’s event offer incredible educational value.”

For more on Concur Fusion 2017 and how to register, visit

For more information about AppZen, visit:

About AppZen:
AppZen, which is based in Sunnyvale, Calif., is the first artificial intelligence (AI) solution for back office automation. The company has raised investment from notable fintech investors, including Resolute Ventures, Bloomberg Beta, 500 Startups, Silicon Valley Bank, MasterCard and FundersClub. AppZen’s platform uses AI to automate expense report auditing and instantly detect fraud and compliance issues – a half trillion dollar issue in the U.S. The patented AI platform uses Computer Vision and Natural Language Processing (NLP) machine learning algorithms to automatically read and understand expense reports, receipts, and travel documents and cross-check them with thousands data sources in real-time to determine the accuracy of every expense. This enables companies to detect fraud and compliance issues in real-time, before it is too late. The platform seamlessly integrates with all existing expense reporting tools, including Oracle (NYSE: ORCL) and Concur, an SAP (NYSE: SAP) company, and has already amassed a number of prominent enterprise clients, including Hitachi, Comcast (NASDAQ: CMCSA), Sunrun (NASDAQ: RUN) and Cantor Fitzgerald. For more information about AppZen, visit

Jonathan Chizick
408 647 5253
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AppZen – Artificial Intelligence for Real-Time Expense Report Audit

Source: EIN Presswire