Written by Michael on December 6, 2023
Monetary Technology Seneca, Toronto, Canada
Finance TechnologyBig data can predict client investments and market modifications in order to create new strategies and portfolios, analyze customer spending habits, enhance fraud detection, and create advertising methods. The Americas noticed about $51.four billion of fintech funding in H1’21, with the US alone accounting for $42.1 billion. In the EMEA region, funding in fintech was very robust at $39.1 billion.
Since the Internet revolution and the mobile Internet/smartphone revolution, nevertheless, financial technology has grown explosively. Fintech, which originally referred to the usage of computer technology utilized to the back workplace of banks or buying and selling corporations, now describes a broad variety of technological interventions into personal and business finance. FinTech corporations are usually trusted by customers —according to Forbes, 68% of persons are prepared to use monetary instruments developed by non-traditional (e.g., non-financial, non-banking) institutions. However, many fintech purposes are relatively new, and they’re currently not subject to the same security regulations as banks. This doesn’t imply that customers shouldn’t belief fintech companies with their cash — it simply implies that being careful could be beneficial.
For the most part, governments have used existing rules and, in some instances, personalized them to manage fintech. Given the proliferation of cybercrime and the decentralized storage of data, cybersecurity and fintech are intertwined. Insurtech, which seeks to use technology to simplify and streamline the insurance business. Meanwhile, you can even seek the advice of our information on the top fintech careers if you need to study extra about other opportunities in the area.
Regulatory uncertainty for ICOs has also allowed entrepreneurs to slip safety tokens disguised as utility tokens previous the SEC to keep away from fees and compliance prices. Regtech, which seeks to help monetary service corporations meet industry compliance guidelines, particularly these overlaying Anti-Money Laundering and Know Your Customer protocols which fight fraud. Such vital funding rounds are not unusual and happen globally for fintech startups. Startups disrupt incumbents in the finance business by increasing financial inclusion and using technology to cut down on operational prices. Eric is a duly licensed Independent Insurance Broker licensed in Life, Health, Property, and Casualty insurance.
There is a growing demand for finding out Islamic banking within a highly built-in global monetary market. This module provides comprehensive insights over how Islamic finance operates and the structure of Islamic financial establishments in various nationa… Embedded finance is the time period for when a non-financial enterprise integrates fintech tools into its point of service. Examples embody cost processing terminals at coffee outlets and buy-now-pay-later buttons on e-commerce store checkouts. This integrated finance stack makes for a smoother, more-flexible expertise for customers — and we’re more probably to see it increasingly more within the days ahead. Unbanked/underbanked services that search to serve disadvantaged or low-income people who are ignored or underserved by traditional banks or mainstream monetary services firms.
From cell automotive insurance coverage to wearables for medical insurance, the business is staring down tons of innovation. Some insurtech corporations to regulate embrace Lemonade, Kin and Insurify. …
Written by Michael on November 29, 2023
Fintech Monetary Technology Overview, How It Works
Finance TechnologyThis allows for quicker responses, decreasing the likelihood of actual breaches. While some recommend that new AI initiatives could improve safety risks in corporations that are unaware of risks, long-term functions, proper setup and onboarding, and high quality management can potentially prevent these dangers. The Student Services Centre provides help and recommendation on cash to students. You may find a way to entry our Student Support fund and other sources of economic help during your course.
He has labored greater than thirteen years in each public and private accounting jobs and greater than 4 years licensed as an insurance coverage producer. His background in tax accounting has served as a stable base supporting his present book of enterprise. By submitting this type, you agree that Trilogy Education Services may contact you relating to this boot camp. The Federal Trade Commission supplies free sources for companies of all sizes to meet their authorized obligations of protecting delicate information.
The further data gained through contextual knowledge permits us to recognise an applicant’s potential to reach the context of their background and expertise. At UNSW, we’re proud to be at the forefront of change and innovation, which is why our revolutionary FinTech main is the primary of its kind in Australia. UNSW Business School is a famend hub for world enterprise education, constantly ranked as certainly one of Australia’s top enterprise schools. Build your expertise and blend sturdy principle with hands-on expertise with work built-in learning and internship alternatives with our industry partners. In the past few years, monetary technology has been a sizzling topic at trade conferences both in Australia and worldwide. This major will get you in on the bottom flooring of this rapidly evolving area.
Here’s a quick have a look at some examples of how the trade is enhancing and evolving some areas of finance. Fintech refers to the utility of software and hardware to financial services and processes, making them faster, easier to use and more secure. The fintech business includes every thing from cost processing solutions to mobile banking apps. Today’s fintech customers generate numerous data, and many fintech companies use this information to personalize their services and deliver extra value. Big knowledge can be used to make monetary predictions based mostly on shopper conduct; managing finances for clients and leading to critical insights that allow stronger, more knowledgeable choice making.
This allows a complete contract sale process to be completed in beneath 1 minute. Finance Technology AS delivers shopper finance options to cellular operators and electronics retailers. Financial services are among the many most heavily regulated sectors on the planet.…
Written by Michael on November 27, 2023
Cambridge Centre For Finance, Technology & Regulation Centres And Initiatives Cambridge Judge Business College
Finance TechnologyFintech supplies people and businesses with entry to conventional monetary services in revolutionary ways in which beforehand weren’t obtainable. For instance, many standard banks’ mobile apps now supply prospects on-the-go entry to financial institution services, together with the ability to view your steadiness, transfer funds or deposit a examine. Fintech, a mix of the terms “financial” and “technology,” refers to companies that use technology to boost or automate monetary companies and processes. The time period encompasses a quickly growing business that serves the interests of each consumers and businesses in a number of ways. From mobile banking and insurance to cryptocurrency and investment apps, fintech has a seemingly infinite array of functions. The lending cash component of conventional financial services firms is being disrupted by fintech businesses as well.
This allows for faster responses, reducing the probability of actual breaches. While some counsel that new AI initiatives may increase safety risks in companies which may be unaware of risks, long-term functions, proper setup and onboarding, and high quality control can doubtlessly forestall these risks. The Student Services Centre provides assist and advice on money to college students. You might be able to access our Student Support fund and different sources of financial help during your course.
From mobile automotive insurance to wearables for medical insurance, the industry is staring down tons of innovation. Some insurtech corporations to control embody Lemonade, Kin and Insurify. When it involves companies, earlier than the appearance and adoption of fintech, a business proprietor or startup would have gone to a bank to secure financing or startup capital. If they supposed to accept credit card payments they would have to set up a relationship with a credit provider and even install infrastructure, such as a landline-connected card reader. According to EY’s 2017 Fintech Adoption Index, one-third of shoppers make the most of at least two or extra fintech companies and people customers are additionally increasingly conscious of fintech as part of their daily lives.
The 2022 list is topped by Stripe, a decade-old cost processor with a $95 billion valuation. In second place is Klarna, a 16-year-old Swedish firm that gives shoppers financing for purchases at many main retailers; it was valued at $46 billion. As fintech has grown, so have considerations relating to cybersecurity in the fintech trade.
With automated credit score scoring and digital signing, financing could be accomplished in underneath 1 minute. As for consumers, as with most technology, the younger you are the more likely it will be that you’re aware of and may accurately describe what fintech is. The reality is that consumer-oriented fintech is mostly targeted towards millennials given the large measurement and rising incomes potential of that much-talked-about phase. Some fintech watchers consider that this concentrate on millennials has extra to do with the scale of that marketplace than the flexibility and interest of Gen Xers and child boomers in utilizing fintech. Rather, fintech tends to offer little to older shoppers because it fails to handle their problems. Cryptocurrency …
Written by Michael on November 12, 2023
Masters In Finance, Technology And Policy
Finance TechnologyThis module issues points in human resource management and organisational design. Although many organisations recognise the significance of managing the work pressure effectively and even “know” what a… Financial Econometrics 2 builds on Financial Econometrics 1 and offers you with more skills to undertake empirical research in finance. Lectures will introduce important topics such as unit roots, stationarity, VAR fashions as well as a broad range of vo… The module introduces you to the fundamental ideas of promoting and explains its perform in today’s enterprise setting. You will focus on principal concept and apply of marketing and the way advertising builds value to the firm and the shopper with examples a…
The providers might originate from numerous impartial service suppliers together with a minimum of one licensed financial institution or insurer. The interconnection is enabled via open APIs and open banking and supported by regulations such as the European Payment Services Directive. The enterprise of investing has been particularly reworked, with the democratization of trading successfully hollowing out the brokerage trade as we all know it. They were formerly very high-margin, fee-based businesses, but online low cost brokerages have compelled many firms to waive their charges altogether so as to remain competitive. While many flashy, rising technologies have grabbed headlines, fintech presents quite lots of very conventional use circumstances. The programme’s interdisciplinary academic focus requires college students to finish courses from completely different disciplines, with a give consideration to FinTech and digital finance.
Technological innovation is more and more recognised as some of the necessary sources of sustainable aggressive benefit for businesses around the world. However, constructing a corporation which can efficiently and repeatedly create technological inn… This module will assist you to to grasp how Finance may help to handle Climate Change issues. Climate Finance is a broad discipline that scrutinises both the types of local weather risks and the sources of financing of environmental projects that aim to mitig…
The Oxford Future of Finance and Technology Initiative researches the disruption attributable to technology within the financial sector. It advances the financial sector’s understanding of this and associated points by exploring international modifications in business, policy, and society in collaboration with business stakeholders. Today’s shoppers can bypass traditional financial institution branches for issues like making use of for a mortgage or even a mortgage .
Entrenched, traditional banks have been paying consideration, nonetheless, and have invested closely into changing into more like the companies that search to disrupt them. For example, investment bank Goldman Sachs launched client lending platform Marcus in 2016 and just lately expanded its operations to the United Kingdom. Examples of fintech purposes include roboadvisors, funds apps, peer-to-peer lending apps, investment apps, and crypto apps, among others.
Robinhood’s founders noticed that almost all investment platforms charged excessive fees to their customers, even though executing trades doesn’t value much. In response, the company launched its fee-free trading platform, allowing smartphone customers to trade stocks extra freely. The service provides commission-free stock trading and exchange-traded funds; it has …
Written by Michael on November 4, 2023
Monetary Technology Business
Finance TechnologyFor markets with digital contract signing (e.g. BankID in Norway), the full sales process may be completed online. Our straightforward to use white label software for Point of Sale is absolutely branded to our partners requirements, together with branding of all contracts and advertising communications. Product extras and discounts are easily added and could be chosen from a pre-configured record or entered by the salesperson.
Since the Internet revolution and the cell Internet/smartphone revolution, however, monetary technology has grown explosively. Fintech, which originally referred to using pc technology utilized to the again workplace of banks or trading corporations, now describes a broad number of technological interventions into personal and business finance. FinTech companies are generally trusted by customers —according to Forbes, 68% of individuals are keen to make use of monetary tools developed by non-traditional (e.g., non-financial, non-banking) institutions. However, many fintech purposes are relatively new, and they’re at present not topic to the identical security rules as banks. This doesn’t imply that buyers shouldn’t belief fintech companies with their money — it simply means that being careful can be beneficial.
For instance, a mobile service like Venmo or CashApp allows you to pay different folks at any time of day, sending funds on to their desired checking account. However, if you paid as an alternative with money or a verify, the recipient would have to make a visit to the bank to deposit the cash. Chatbots are another AI-driven tool that banks are beginning to use to help with customer service.
These modules are important for any students getting into the finance office as they each are more and more important areas. Offers shall be made on the person Diploma Course topic and the career-related study qualification. Where there is a subject pre-requisite, candidates shall be required to study the topic at Higher Level in the Diploma course subject and/or take a specified unit within the career-related examine qualification. Applicants may be requested to realize a particular grade in these components. Please see the University of Southampton International Baccalaureate Career-Related Programme Statement for further info. Applicants are advised to contact their Faculty Admissions Office for more data.
The 2022 listing is topped by Stripe, a decade-old payment processor with a $95 billion valuation. In second place is Klarna, a 16-year-old Swedish agency that gives shoppers financing for purchases at many main retailers; it was valued at $46 billion. As fintech has grown, so have concerns regarding cybersecurity within the fintech business.
Named as certainly one of Portugal’s ’40 Under 40’ business leaders of the future, Ricardo was founder of Flykt, an internet travel enterprise. Founded OpenJaw Technologies, an Irish journey technology firm, bought to Guestlogix in 2014. Based in Oslo, Arild has 30 years expertise in shopper and enterprise leasing and finance.
We additionally reference original analysis from different reputable publishers where applicable. You can learn more concerning the standards we follow in producing accurate, unbiased content in oureditorial coverage. Crypto apps, together with wallets, exchanges, and funds applications …
Written by Michael on October 30, 2023
High Strategic Technology Tendencies For Finance
Finance TechnologyFrom cellular automotive insurance to wearables for medical well being insurance, the industry is staring down tons of innovation. Some insurtech firms to regulate embrace Lemonade, Kin and Insurify. When it comes to companies, before the arrival and adoption of fintech, a enterprise proprietor or startup would have gone to a financial institution to secure financing or startup capital. If they intended to accept bank card funds they would have to establish a relationship with a credit provider and even set up infrastructure, corresponding to a landline-connected card reader. According to EY’s 2017 Fintech Adoption Index, one-third of shoppers make the most of at least two or extra fintech companies and people shoppers are additionally more and more aware of fintech as part of their daily lives.
For enterprises buying massive numbers of gadgets, lease finance with body agreements provide the flexibility to each the company and the retailer to allow for rolling purchases and returns of units. InsurTech is the applying of technology specifically to the insurance coverage area. One instance would be using devices that monitor your driving in order to regulate auto insurance coverage charges. P2P lending platforms like Prosper, Lending Club, and Upstart permit people and small enterprise homeowners to obtain loans from an array of people who contribute microloans directly to them. Personal finance apps corresponding to Mint, YNAB, and Quicken SimpliFi let you see all of your finances in one place, set budgets, pay bills, and so forth. Investment apps like Robinhood make it easy to buy and promote stocks, ETFs, and crypto out of your cellular gadget, usually with little or no commission.
Entrenched, traditional banks have been paying attention, however, and have invested closely into becoming extra like the businesses that seek to disrupt them. For example, funding bank Goldman Sachs launched consumer lending platform Marcus in 2016 and just lately expanded its operations to the United Kingdom. Examples of fintech functions include roboadvisors, payments apps, peer-to-peer lending apps, investment apps, and crypto apps, amongst others.
The module offers an introduction to company governance from organisational, financial and accounting views. Behavioural finance is an unorthodox area of finance that assumes financial markets are essentially inefficient. Advocates of BF consider that investor behaviour and choice making are pushed by features of personal and market psychology. The module is meant to introduce students to regulation in monetary reporting and to look at specific drawback areas utilizing a conceptual framework as a foundation of the evaluation.
DTTL (also referred to as “Deloitte Global”) doesn’t provide companies to shoppers. In the United States, Deloitte refers to a number of of the US member corporations of DTTL, their associated entities that operate using the “Deloitte” name within the United States and their respective affiliates. Certain providers is most likely not available to attest purchasers underneath the principles and regulations of public accounting.
Several non-public initiatives counsel that multiple layers of defense may help isolate and safe monetary data. The New York Venture Capital Association hosts annual summits …
Written by Michael on September 19, 2023
Prime Strategic Technology Developments For Finance
Finance TechnologyCustomers, either individuals or businesses, who want the flexibility to frequently improve their gadgets. Customers usually pay a smaller month-to-month charge as the residual worth of the system at the finish of the contract is used to reduce the financed quantity. Disruptive technology considerably alters the best way companies or entire industries operate. The provides that seem in this desk are from partnerships from which Investopedia receives compensation. Because of the diversity of choices in fintech and the disparate industries it touches, it is difficult to formulate a single and comprehensive approach to these problems.
Big information can predict consumer investments and market modifications to have the ability to create new strategies and portfolios, analyze buyer spending habits, improve fraud detection, and create marketing strategies. The Americas saw about $51.4 billion of fintech funding in H1’21, with the US alone accounting for $42.1 billion. In the EMEA area, funding in fintech was very strong at $39.1 billion.
Banks use fintech for back-end processes—behind-the-scenes monitoring of account activity, for instance—and consumer-facing solutions, like the app you utilize to examine your account stability. Individuals use fintech to entry many financial institution providers, including paying for purchases with a smartphone and receiving investing recommendation on their house computer systems. Fintech refers to software program, algorithms and applications for each desktop and mobile. In some cases, it includes hardware, too—like internet-connected piggy banks.
Information security analysts plan out and execute safety initiatives to guard laptop methods and information from unauthorized access — a must for today’s fintech corporations. According to the BLS, the job outlook for data safety analysts is anticipated to grow by 31 p.c by 2029, which is considerably quicker than the common for all trade occupations. The median pay for data safety analysts in 2020 was $103,590 — additionally a lot larger than the national common. The online financial sector can be an increasing goal of distributed denial of service extortion assaults. This safety problem can also be confronted by historical bank firms since they do provide Internet-connected buyer companies.
To get the very best experience please use the newest model of Chrome, Firefox, Safari, or Microsoft Edge to view this web site. Over the previous decade, although, the fintech industry has seen accelerated growth — and it’s likely to only advance from here. Upgrade contracts are acceptable for cell phones, tablets, laptops and other gadgets which have a high residual worth after a financing interval. Upgrade contracts give the shopper an choice to return their device after a sure variety of monthly funds have been made and then agree a new contract for a new system.
The 2022 listing is topped by Stripe, a decade-old payment processor with a $95 billion valuation. In second place is Klarna, a 16-year-old Swedish firm that offers consumers financing for purchases at many major retailers; it was valued at $46 billion. As fintech has grown, so have concerns regarding cybersecurity in the fintech trade.…
Written by Michael on September 3, 2023
Networking Occasion Collection Sustainable Finance Technology Zhaw Institut Für Wealth & Asset Administration Iwa
Finance TechnologyForty p.c of the City of London’s workforce is employed in monetary and technology services. As of April 2019, about 76,500 individuals type the UK-wide FinTech workforce, and this number is projected to rise to 105,500 by 2030. Of the present fintech workforce within the UK, 42% of workers are from abroad. The Centre will begin seeding research projects and developing academic capability within the areas of technology in banking and insurance, technology in funds, and technology in wealth management. Our team is trying to hire thought leaders who will drive architectural and design choices, invent new features, develop distributed companies, and construct scalable, service-oriented platforms. We have a staff culture that encourages innovation and we count on builders and administration alike to take a high stage of ownership for the product imaginative and prescient, technical structure, and project supply.
With automated credit scoring and digital signing, financing may be accomplished in underneath 1 minute. As for consumers, as with most technology, the youthful you are the more likely it will be that you’re aware of and might accurately describe what fintech is. The fact is that consumer-oriented fintech is mostly targeted towards millennials given the huge measurement and rising earning potential of that much-talked-about segment. Some fintech watchers consider that this focus on millennials has extra to do with the size of that market than the ability and interest of Gen Xers and baby boomers in utilizing fintech. Rather, fintech tends to offer little to older consumers as a end result of it fails to address their issues. Cryptocurrency (Bitcoin, Ethereum, and so forth.), digital tokens (e.g., NFTs), and digital cash.
The module provides an introduction to corporate governance from organisational, financial and accounting perspectives. Behavioural finance is an unorthodox area of finance that assumes monetary markets are fundamentally inefficient. Advocates of BF believe that investor behaviour and decision making are driven by features of personal and market psychology. The module is intended to introduce students to regulation in financial reporting and to examine specific drawback areas utilizing a conceptual framework as a basis of the evaluation.
There is a wide range of jobs obtainable in fintech, and lots of of them are built around skills in programming, cybersecurity, AI/ML, knowledge analysis, and blockchain. Completing a web-based fintech bootcamp is a good place to begin for studying such expertise in your journey to a model new profession. Specifically, synthetic intelligence and machine studying algorithms are frequently used to process and analyze giant amounts of information; in doing so, they permit companies to generate actionable insights.
In the future, it may be attainable to purchase insurance coverage on a short-term or “pay as you go” basis. Compulsory modules provide a basis in finance and enterprise, whereas optionally available modules embody every thing from human assets to international banking. You could study extra about worldwide banking, or choose modules in other areas of business and management, corresponding to marketing, human assets administration or project management. Explore the fundamentals of finance and …
Written by Michael on July 16, 2023
What’s Financial Technology Fintech? A Novices Guide For 2022 Columbia Engineering Boot Camps
Finance TechnologyPart of the explanation fintech can streamline historically clunky processes is as a outcome of it’s based mostly on ones and zeros somewhat than human skills and opinions. While many fintech platforms embody elements of each traditional brokers/advisors and algorithms, others assist users navigate financially advanced duties with out interacting with a human at all. Businesses rely upon fintech for fee processing, e-commerce transactions, accounting and, more just lately, assist with government-assistance efforts like the Payroll Protection Program . In the wake of the Covid-19 pandemic, increasingly more companies are turning to fintech to merely accept contactless funds or undertake different tech-fueled advancements. And if current enterprise capital investments in fintech startups — which reached an all-time high in 2021 — could be considered a vote of confidence, the industry will continue to broaden for years to come back.
The huge progress of fintech corporations and marketplaces on a world scale has led to elevated exposure of vulnerabilities in fintech infrastructure while making it a target for cybercriminal attacks. Luckily, technology continues to evolve to minimize present fraud dangers and mitigate threats that continue to emerge. For Small and Medium Enterprises, automated credit score checks and approvals enable fast and simple product financing from our retail partners.
As with many emerging technology sectors, fintech could be an ambiguous idea due to the sheer breadth of tools, platforms and companies that fall underneath its yawning umbrella. Open Banking is a system that gives third-party access to financial data through using application programming interfaces . Investopedia requires writers to make use of main sources to support their work. These embody white papers, government knowledge, original reporting, and interviews with industry specialists.
Billions of people around the world can now apply for a loan on their cell devices, and new knowledge points and danger modeling capabilities are expanding credit to underserved populations. Additionally, shoppers can request credit reports a number of times a yr without dinging their score, making the whole backend of the lending world more transparent for everyone. One driving factor is that many traditional banks are supporters and adopters of newfangled fintech, actively investing in, acquiring or partnering with fintech startups.
Technology is the driving pressure for companies to operate efficiently, reduce potential dangers and deliver a seamless buyer experience. But how are you aware when it’s time to upgrade, what merchandise to invest in, and whether or not you can purchase or lease new equipment? None of us knows for sure what the future will hold, however all of us have a accountability to be serious about what’s prone to occur, and to arrange for it. In the finance perform, that means working now to get the right folks and technology in place to reap the advantages of the inevitable disruption forward. That’s not likely to occur and not utilizing a clear imaginative and prescient and strategy for finance in a digital world. Now is the time to step again and make sure your roadmap to that future is …
Written by Michael on June 24, 2023
Broadcast Technology, Production, Design & Virtual Production News
Production NewsAvid presents an open media production platform that could be tailor-made and scaled in your news workflow. Our system, used by main news firms, helps you find, create and collaborate by way of a story-centric workflow, and deliver content material effectively the place audiences need it essentially the most. Now greater than ever, ENPS is the news production system for today’s multiplatform newsrooms. The imposition of export duty will assist different countries to increase their share in the world market, which India will vacate. Rebuilding the misplaced floor might take a very long time, as the availability chain might be disrupted, whereas India’s credibility as a dependable exporter will take successful, the ISA famous. FTIA is dedicated to offering film and television trade professionals with up-to-date job announcements and casting call opportunities within the leisure industry.
While the 2018 numbers are marginally beneath the $2.01 billion document achieved in 2016, they reveal the continued energy of the sector. These funding numbers had been part of an annual report offered at present to the City of Toronto’s Economic and Community Development Committee. As a final sendoff, Dodge within the coming weeks will reveal seven 2023 special-edition muscle car models that may go to high dealerships like a “sneaker drop,” Kuniskis stated. The performance brand is also bringing back the Durango Hellcat for 2023, introducing a slew of recent Direct Connection elements and has partnered with a customization shop for customers to get a convertible Challenger. As a flagship tech model belonging to SMOORE, FEELM is the world’s leading closed vape system solution provider.
The common Durango will proceed to be produced at Jefferson North Assembly Plant in Detroit past 2023, Kuniskis stated. Brampton Assembly Plant outside of Toronto has built greater than three million Challengers and Chargers since 2005, totaling round 1 billion horsepower, according to the corporate. Last 12 months, the Challenger was the top-selling muscle car within the United States. The effort comes amid a series of supply-chain disruptions in the auto trade, notably a shortage of semiconductorsthat could final into 2024. The Dodge staff says it’s working to make sure it has confidence in its microchip supply to ship the vehicles it says it’ll allocate to its dealers.
Over forty of Britain’s high manufacturing firms have made it via to the finals of the UK’s largest and most rigorous trade awards… A major transfer to help farmers in West Africa has been confirmed by the Ivory Coast and Ghana in deciding to now not promote their cocoa at origin differentials under zero, from as a lot as 125 kilos below the ICE terminal market, writes Neill Barston. Swiss-based non-profit foundation The International Cocoa Initiative has efficiently hosted a four-day training workshop for chosen employees of the Ghana Cocoa Board , as part of ongoing initiatives tackling baby labour, reviews Neill Barston. The US-headquartered Hershey Company is celebrating after its US enterprise has been certified by Great Place to Work, a key worldwide authority on workplace tradition, reports Neill …