AISP open banking

Since the beginning of open banking, it has caused a dramatic transformation in the financial world. Open banking brought a revolution to all viewpoints of the industry starting from payment solutions, budgeting tools and finishing with lending and credit evaluations. Soon after, AISP open banking was included as part of open banking. 

The main purpose of open banking is to streamline the information flow process and enable secure data payments to be requested from banks. Therefore, companies who offer open banking are regulated and licensed providers, who must maintain an open banking process. 

To get started with an open banking system a financial service provider must obtain authorisation and be registered either as an Account Information Service Provider (AISP) or Payment Initiation Service Provider (PISP). Only then it can access open banking APIs and experience their full potential.

What is AISP open banking and its purpose?

A business with AISP authorisation can request permissions to access and gather consumers personal or business financial information derived from all their bank service providers. Information gathering brings a financial service or tool to a client which helps them deal with their finances. 

If a business holds an AISP open banking license, then it can only read the information but have no direct access to the funds. This means that a client has no risks of fraud as the money is not available to the provider.  If a business is authorised for PISP, then it can reach clients money and initiate payments on customers behalf.

Services that are licensed for the use of AISPs provide assistance with price comparison, money management tools, loan applications, and in general speed up the aforementioned processes. 

To gain authorisation for both AISP or PISP a business has to undergo a meticulous application process with the FCA. However, it is rather irregular for a business to hold both licenses and they usually focus on being authorised for either AISP or PISP. 

Whichever route a company chooses, to gain access to the client’s financial information it must have customers consent. When giving consent, the customer needs to comprehend what data will be gathered, how long it will be available and who will be able to access it. Digital consent stands as part of GDPR regulations throughout Europe. 

Advantage of AISP open banking 

To gain access to financial information through AISP open banking is one thing, but to understand how it works and how to use it to full advantage might take research and examination. Therefore, financial institutions that clasp the innovation can generate distinct tools that present limitless revenue sources and increase customer loyalty. 

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source https://www.jbklutse.com/aisp-open-banking/

How to determine the right team to bet on

Sports betting is a fun and profitable venture. It offers an extra layer of gaming excitement and great padding to the bankrolls. However, the activity can sometimes be intimidating, especially for beginners. Therefore, you need to get the pro tips and hacks on picking the right team to bet for. Sports betting is confusing at first glance. In addition, you will hear the veterans using strange phrases that you’ve never heard. If you want to win in betting, you ought to arm yourself with real-time knowledge. 

Even for experienced bettors, maintaining a good track record of winning is not a walk in the park. For example, you can bet blindingly, considering last season’s champion as part of the winning recipe. Well, anything can happen, and you might lose the bet.  If you don’t get to hack it soon, you can still make yourself busy playing these best online casino games while you learn.  Here are the expert tips that will help you determine the right team to bet for.

Have Extensive Knowledge About the Sport

You always have a higher chance of detecting a winning strategy and choice if you know more about what you’re betting on. While you may be a die-hard fan of a particular sport and know everything about your favorite club, you would benefit from having the same degree of information about all of the teams participating in all leagues.

Knowing when a terrible team tends to beat the champions may be quite useful when placing bets. It would help if you learned more about recognizing patterns and possible upsets by studying individual players, the whole team, and their previous matches. Take in as much knowledge as you can and remain well-updated with the sport’s latest news and facts.

Specialize In One Sport

The tip is beneficial for people who are new to online gambling. Narrowing your attention to only one sport you love betting on might provide you with a betting advantage because you won’t have to spend as much time researching on too many teams and their game histories.

It may be difficult to keep up with all the latest information about professional cricket and football teams. Even the oddsmakers understand that winning at everything is impossible. Therefore, stick to what you know and learn about each team to be confident when picking teams to bet for.

Go For Value and Not Winning

Going for Value rather than wins is an important aspect of profitable betting. It’s an easy idea for most people to overlook and believe that a high win-to-loss ratio indicates you’ll always make money. The fact is that you might have an attractive winning record indicated with more wins than losses but lose money on each bet. 

On the other hand, you may make money even if the team has a poor record featuring fewer wins and more losses. The key to understanding the “value against winning principle” is that not all bets offer the same wins or expose you to serious risks.

Notably, that tip doesn’t mean that you shouldn’t bet for your favorites or that you can’t make money doing so; the key is to gamble in such a way that you have the best statistical probability of winning.

Learn From the Other Winners

Ultimately, surround yourself with winners. Many outstanding sports bettors are continually gambling, and they have learned from all of the mistakes you’re likely to make- they were once novices as well.

Start a discussion with them and tap directly from their brains. They are unlikely to reveal any of their secrets or tactics, but if you remain friendly and ask them nicely, they may provide some advice to pump you the right way.

Final Remarks

As a gambler, you’ve experienced it all: the highs and lows, the joy and disappointment. Now you might be wondering what’s next. You’re one step closer to obtaining a major competitive advantage if you understand the pro tips we’ve discussed.

Every move a player makes during a game can impact the gambling market. You might be on your way to continuous earnings if you remain vigilant on every detail. Be confidents, stick to your plans, and do extensive research. All in all, remember that no one has a 100% winning grantee—the magic is all about maintaining a profit margin with the expert’s tips above.

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source https://www.jbklutse.com/how-to-determine-the-right-team-to-bet-on/

What to Know About Windows 11

Before delving into the newest Microsoft update, let’s talk about its beginnings. 

Bill Gates and Paul Allen (who later left the company due to disease) founded Microsoft in 1975 in Albuquerque, New Mexico. After they relocated to Washington in 1979, the company became a multinational tech corporation. After that, 1987 was the year when Gates became the world’s youngest billionaire at age 31.

The company was originally for microprocessors and software, as they still sell software now (and have expanded to hardware as well). It wasn’t until the 1990s that the internet took off and Microsoft was able to introduce its web browser, Internet Explorer.

Its downfall was 1998 when the U.S. Department of Justice and 20 state attorneys charged the company with the violation of antitrust laws since it had become an economic monopoly. Apart from these, Microsoft was one of those mind-blowing self-employed job ideas that ended up working.

What are the requirements and how do you get a hold of the update?

The new Windows 11 was officially launched on October 5th of 2021 for new or recent PCs but will be trickled for free for two to five years from now to Windows 10 systems based on validated hardware configurations, hopefully, to be initiated by mid-2022.  

As for pricing, for those who have DIY PC builds, virtual machine installations, or those who don’t have Windows 10, it is speculated that it will cost the same or similar to Windows 10, so around $140 US for Home and $200 US for Pro editions.

People have grossly over-speculated the system requirements for this new update, in reality, they’re quite low. Windows 11 asks for a 1GHz CPU, 4GB RAM, and 64 GB of storage, as well as a 64-bit processor. In addition, you will need a TPM security chip and Secure Boot capability. Before you complain, these have been standards in PCs for the last six or so years. 

Microsoft also warned users that don’t meet the requirements that they won’t be denying them the update, but they won’t be entitled to it either, which doesn’t make too much sense but to each their own.

If you’re feeling unsure about your PC’s compatibility with the new update, you can check in with companies like DBA Web Technologies or the PC Health Check app.

Lastly, regarding installation, if you’re installing fresh, you have the option to install Windows 11 without a key and register your Microsoft account later, automatically adding your WIndows 10 credentials.

You can also try Windows 11 without activating it for a while if watermarks and lack of personalization don’t bother you. You will also have a 10-day rollback to Windows 10 if you end up preferring the older version. 

User interface

We’ve cyclically gone through phases of interfaces, from the 200s glassy, rounded look, to sharp, straight edges and solid coloring. Windows 11 has gone back to the delicate, rounded look of the 2000s, with a brighter color scheme when using it in light mode and new, softer icon designs. 

The new forms and colors seem to evoke the feeling the Windows XP wallpaper did as if you were idyllic in your cloudy internet exploring universe. It takes getting used to, but in a good way, since the themes compared to WIndows 10 feel more coherent.

There were also some icons moved away from their usual spots, like the Start menu being moved to the mid-bottom of the screen, with icons arranged next to it, giving it very much a MacOS vibe.

Overall, the feedback on its aesthetics is positive, it has a Mac-like interface being mentioned a few times. Prepare for round icons and pastel shades that please the eye.

Features

Windows 11 is like Windows 10 but with prettier packaging. Though not mind-blowing, it does include a few new features.

The first mentionable feature is integrating Android apps, which will be downloadable in the new Microsoft Store through Amazon Appstore. This isn’t a completely new concept, since if you owned a Samsung Galaxy phone you could access such apps, but this makes it native to your PC. 

This means you will be able to access nearly 500 000 apps, including Netflix, Pinterest, TikTok, and so much more. This doesn’t mean all apps though.

Microsoft Teams will also be integrated directly into the new update, which you will be able to find in the Taskbar, making it easier to access. 

Windows 11 will also allow you to set up multiple virtual desktops similar to macOS, where you can use one for work, one for personal use, one for gaming, and so much more. 

The new update also allows for easier transition between monitor and laptop, making it more convenient to multitask. This new feature is called Snap Groups and Snap Layouts. The multiple apps you use will be collected on the Taskbar and will pop up and minimize as you come and go for convenient task switching. 

New widgets will also be a thing, which will be accessed directly through Taskbar and have the option for personalizing. 

There will lastly be features exclusive to Xbox featured in the new update, like Auto HDR and DIrectStorage to improve your gaming experience on this new OS. 

Reliability 

Many individuals who have tested Windows 11 didn’t experience any crashes or notable issues with performance, making it feel like a revamped Windows 10. 

Unfortunately, many others did experience bugs. There was one tester who hit a screen of death when having plugged in their Logitech G305 mouse, and after a reboot, even their keyboard and headset seemed to not work. Other bugs include disappearing buttons, disappearing apps, and vanishing side panels. It is still better than Windows 95’s run. 

When should I get the update?

If you’re an average person, there are two main things to wait for and to keep in mind. 

The first is that Microsoft has stated that they will be using draconian system requirements meaning every Windows 11 user will be receiving the same updates. That being said, you might want to wait for the first big update in Windows 11, similar to Windows 10. The said update will likely be released next spring. 

The benefit to waiting out until the first big update is to let the developers fix any bug issues and to hopefully have some of the older Windows features reinstated, like the ability to move the Taskbar on whichever side of the screen and adding more of the old shortcut options. Another quaint addition would be making the Start menu more customizable again. 

The Windows 11 launch seems rushed, with a similar feeling to the Cyberpunk 2077 mess (though that too ended up being an amazing game), so I would say if you’re an average consumer, it is worth waiting for all the fixes. 

Gaming Performance 

Sources say that unless you have VBS chestnut enabled, you will have nothing to worry about when having WIndows 11 and gaming. Any issues that were encountered were on the first boot of the OS, so nothing to worry about.

Altogether, performance has only seemed to improve, though performance differences tend to be within the margins of benchmarking error, so Microsoft’s claim of Windows 11 being the best Windows for gaming is highly debatable, though it truly isn’t bad for gaming either, just not life-altering.

CITATIONS :

1. A&E Television Networks. (2015, October 9). Microsoft founded. History.com. Retrieved October 25, 2021, from https://www.history.com/this-day-in-history/microsoft-founded. 
2. Microsoft Windows 11 Review. PCMAG. (n.d.). Retrieved October 25, 2021, from https://www.pcmag.com/reviews/microsoft-windows-11. 
3. Rayome, A. D. N. (2021, October 24). Windows 11: 6 of the best features in Microsoft’s new OS and how they work. CNET. Retrieved October 25, 2021, from https://www.cnet.com/tech/computing/windows-11-6-of-the-best-features-in-microsoft-new-os-and-how-they-work/. 
4. Fenlon, W., & James, D. (2021, October 5). Windows 11 review: We like it but you shouldn’t be upgrading today. pcgamer. Retrieved October 25, 2021, from https://www.pcgamer.com/windows-11-review/#section-gaming-performance-is-the-same-or-better. 
5. Unsplash. (n.d.). Beautiful free images & pictures. Unsplash. Retrieved October 22, 2021, from https://unsplash.com/. 

source https://www.jbklutse.com/what-to-know-about-windows-11/

Trends that will change the future of the iGaming market

Due to a multitude of circumstances, the iGaming sector has risen fast in recent years. Constant technology advancements are allowing bettors to receive a one-of-a-kind gambling experience. New trends have impacted this dynamic sector, driving innovation and shaping the future of iGaming.

The exciting new developments, on the other hand, are encouraging forward-thinking sports betting exchange sports betting exchange software developers to adapt to an environment that allows gamblers to play amongst themselves as well as compete with top-tier gamblers in the pool of betting. As a result, gamblers benefit from the 360-degree betting ecosystem.

With the advent of new trends, the iGaming business is expected to continue to grow in the next few years. The following are some of the most foreseen developments that will benefit the iGaming industry’s future:

Blockchain

Due to the security mechanism of this technology, blockchain has been a phenomenon since its creation and has expanded several times. The fundamental advantage of blockchain is decentralisation, which makes the blockchain network extremely safe. 

People try to cheat when there is a lot of money involved, and blockchain is designed to provide a tamper-proof environment. Every iGaming software provider is now incorporating blockchain into their platform to make it more adaptable to different scenarios.

The Comeback of Virtual Reality

Do you realise that 3D movies were also made a century ago? However, because its technology was too expensive, it was unable to attract much attention. Yet, in recent years, 3D technology has resurfaced and attracted widespread attention. Whether it’s in the fantastic Marvel blockbusters or on the gaming displays, 3D is resurfacing in a big way.

Virtual Reality (VR) technology has begun to appear in popular games as a result of rapid advancements in the 3D environment. Various enterprises are presenting iGaming software choices that promise to feature great 3D visuals and enable VR technology, even in the iGaming market. VR and 3D technology will be used more by online casino software providers to improve the gaming experience for games like poker and rummy.

The Use of AI (Artificial Intelligence)

In game, artificial intelligence (AI) refers to the creation of responsive, adaptable, and intelligent actions, notably from NPCs. This allows them to behave intelligently and creatively as if they were being guided by another human participant. The AI continually records and follows the players’ behaviours in order to forecast their future actions. 

By delivering individualised features, artificial intelligence (AI) aids in the enhancement of the experience. It opens up new opportunities for the iGaming business. It’s no wonder that many businesses are working nonstop to integrate AI technology into their platforms. This is done in order to improve player experiences and expand game options.

Cloud Gaming to Make Gaming More Accessible

Cloud computing has benefited from faster and more dependable internet connections. This has been a significant factor in the implementation of Cloud Gaming. Cloud Gaming is expected to grow in popularity in the future, since it will make games as accessible as movies and music.

Cloud gaming allows gamers to enjoy a consistent gaming experience without having to wait for updates, which is especially useful for high-quality games. With this technique, the user only needs a stable internet connection to play his favourite game without interruption. This technology significantly lowers game expenses and allows consumers to play games on a variety of platforms, including smartphones, tablets, and PCs. 

Recognition of Facial Expressions and Voice

With the use of 3D scanning and face recognition, you may design your own virtual avatar in the game world. With this technology, it is quite conceivable for you to appear in the digital game environment. In the next few days, you’ll notice this technology being employed often in the iGaming market.

Voice-controlled gaming is a pleasant surprise for gamers who are tired of playing games on consoles. Voice Recognition technology has gradually gained traction in the iGaming industry, and users have begun to utilise it to play games when they don’t want to use their gaming consoles. This technology is also quite likely to create a positive influence in the near future.

Smart Technologies

Wearable devices such as Fitbits and Smartwatches provide technology-driven devices a new chance to sync intelligence with people’s daily activities. The iGaming software sector will take advantage of this by releasing lightweight programmes that will work across various devices. These gaming wearables will, in the future, not only operate as an extension of your body, but will also be more expressive than traditional gaming consoles.

Technology is all about connectivity, and if it becomes feasible to link these games with other devices, such as wearables, it may be a game-changer for the business. To stake their claim in this space, iGaming Software businesses are deploying developers and investing in essential gear.

Multiplayer Gambling

The game becomes much more interesting when you know who you’re up against. As gaming becomes more of a personal place for gamers, people tend to play with those they have personally invited. Real players provide the appropriate level of competitiveness while also removing the uniformity that a machine brings to the game. Randomization iGaming software is necessary, and the lack of it in some locations is being addressed through multiplayer gaming, namely with actual people.

Awards & Referrals

For many gaming firms trying to sell their product, refer and earn has been the go-to strategy. Since the traffic created is totally organic, the strategy of paying players who promote your game is highly important. This method is used by every gaming platform since it provides the best return on investment if done correctly.

Talent Based Games

The iGaming business is moving away from merely gambling and toward establishing a component that can handle gamers with genuine talents. Many players have been put off by the industry’s reputation as a game of guts. The obvious conclusion is that gamers believe their talents, which they have achieved through years of practise and hard work, are undervalued.

Huge Jackpots

As the number of players grows, so does the upper limit of revenue, which necessitates a significant update. More money provides you with all of the available attention in the emptiness. Huge payouts have always posed a risk of security breach or attack, but new technologies like blockchain have prompted corporations to consider raising the stakes. Using this strategy will increase the amount of visitors to your platform, allowing you to earn more money.

Conclusion

In the last decade, the iGaming sector has dramatically changed. With both traditional and non-traditional enterprises approaching the iGaming market, heated rivalry will result in the iGaming industry seeing unprecedented growth.

We will see awe-inspiring gaming experiences full of social connection as digital gaming spending continues to climb. For creators, there is only one path forward: to take advantage of and innovate with every new technology and trend, and to build games that are both accessible and exciting.

source https://www.jbklutse.com/trends-that-will-change-the-future-of-the-igaming-market/

Xiaomi Redmi Note 11: Full specifications, price and more

Along with other products, Xiaomi announced Redmi Note 11 with its full specifications. In our previous article, we hinted at what was expected. Here, we see what the real deal is.

The Xiaomi Redmi Note 11 has a 6.6 inch LCD with Full HD+ resolution and 90Hz refresh rate with a 16MP selfie camera. It runs on Android 11 MIUI 12.5 with a Dimensity 810 chipset.

Redmi Note 11 at a glance:

• 5G connectivity
• 50MP main camera and 8MP ultra-wide.
• Dimensity 810 chipset
• 5000 mAH battery

Now, let’s get into the detailed specifications.

Features of Redmi Note 11

Features of Redmi Note 11	Specifications
Operating system	Android 11, MIUI 12.5
Processor	MediaTek Dimensity 810 5G
Display	6.6” IPS LCD, 90Hz 1080 x 2400 pixels
RAM	4GB/6GB/8GB
Internal memory	128GB, 256GB (for 8GB RAM only)
Rear camera	50MP + 8MP
Selfie camera	16MP
Battery	Li-Po 5000mAH with 33W fast charging
Connectivity	GSM / CDMA / HSPA / EVDO / LTE / 5G
Colours	Gradient, Black, and Mint Blue.

Price and availability

Xiaomi’s Redmi Note 11 is set to retail from $187. It is set to be released to the global market after November 5th 2021.

Hopefully, it will be available in Ghana before January 2022. You can order it online at JBKlutse SHOP, call us on 0272839333 to order.

… … …

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source https://www.jbklutse.com/xiaomi-redmi-note-11-full-specs/

Huawei AppGallery strongly supports its partners from the banking & finance sector while ensuring the highest security to users

2020 marked the digital transformation boom in the finance and banking sector. Following the new digitalization trend, various banks and financial institutions have launched their smart applications in the Middle East and Africa region.

As one of the leaders in technology with a large audience base, major banks in the region have joined Huawei’s official distribution platform, AppGallery, one of the top three marketplaces globally with more than 530 million monthly active users across 170 countries.

The platform now has 2.3 million registered developers globally, with more than 45,000 developers from the Middle East and Africa.

Since last year, leading banking apps have been integrated within AppGallery in Ghana enabling users access their bank accounts on-the-go from the convenience of their mobile devices 24/7 and manage digitally various banking operations such as money transfer, bill payments and much more.

Huawei users in Ghana can now download quickly and safely many banking apps available on the AppGallery such as: Absa, GCB and Prudential Bank.

Supporting partners at the heart of Huawei’s strategy

Technical Support

By joining the Huawei ecosystem, developers are always at the heart of Huawei strategy. Throughout the whole process, from the apps’ integration within AppGallery until the official launch of the banking app on the distribution platform, Huawei provides full-spectrum operational support, data analytics, and marketing to its partners by mobilizing local resources from diverse departments.

Huawei’s ecosystem team in charge of the technical support works alongside the developer in every integration step. It ensures the mobile app is successfully integrated within the Huawei Mobile Services (HMS).

Thanks to its open capabilities, the HMS Core enables traditional sectors (Like banking) to fast-track digital transformation and help developers within the industry use its innovative technology to offer high-quality apps to their users.

Marketing support

Huawei’s support does not end after the integration process; banks can also extend their partnerships with AppGallery and benefit from various co-branded campaigns to unlock more business opportunities and brand exposure.

From End to end digital acquisition, product & offers amplification, ecommerce partnership for card spends, referral programs, app engagement & registrations to 360 integrated joint marketing campaigns – the options are limitless. To date, several partners from the banking industry have benefited from these campaigns.

They have seen successful results and up to 200% increase in app exposure and downloads from the AppGallery.

Lu Geng, Vice President Middle East, and Africa Global Partnerships & Eco-Development, said: “The rapid growth of AppGallery portfolio within the financial and banking app industry in the Middle East and Africa is a result of our continuous effort on working closely with local entities and supporting them from various perspectives. It also pursues our aim to integrate innovative and high-quality apps, providing Huawei users with the most relevant local and global apps”.

AppGallery is a secured platform where users can download apps

AppGallery deploys a series of privacy and security measures, ensuring users a safe and convenient platform to download apps from.

In terms of data protection, the highest level of verification to isolate and protect users’ sensitive data and privacy has been made in place, personally-sensitive information (such as biometric data) will not be processed outside the Huawei device, giving the complete user control over their personal data.

During installation, AppGallery protects app data from being read for nefarious purposes and avoids the irreparable loss caused by user data leakage via procedures such as sandboxing, memory protection, regular backtesting, and customer service feedback.

Moreover, the platform can detect malicious app behavior like eavesdropping on users, monitor users, and take screenshots or screen recordings without authorization. It also conducts privacy disclosure inspections for apps that call, collect, or upload sensitive data from users without permission.

For apps that incorporate biometric payment services such as fingerprint or facial recognition, Trusted Execution Environment (TEE) Operating System used within Huawei Mobile Services ecosystem.

Finally, by integrating intelligent detection methods with manual real-name authentication, AppGallery provides full-fledged coverage that protects users against any conceivable threat.

About AppGallery – Top 3 App Marketplaces Globally

AppGallery is a smart and innovative ecosystem that allows developers to create unique experiences for consumers. Our unique HMS Core allows apps to be integrated across different devices, delivering more convenience and a smoother experience – and this is part of our wider “1+8+N” strategy at Huawei.

Our vision is to make AppGallery an open, innovative app distribution platform that is accessible to consumers, and at the same time, strictly protects users’ privacy and security while providing them with a unique and smart experience.

Being the top 3 global app marketplaces, AppGallery offers a wide variety of global and local apps across 18 categories including navigation & transport, news, social media, and others. AppGallery is available in more than 170 countries and regions with over 530 million monthly active users.

Huawei has partnered with 2.3 million developers across the globe, and the total apps distribution from AppGallery have reached 384.4 billion times within 2020.

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source https://www.jbklutse.com/huawei-appgallery-strongly-supports-its-partners/

Winners of MTN@25 mega promo receive prizes: 20 more brand new Hyundai Sonata vehicles up for grabs

MTN Ghana has presented the first five (5) brand new Eighth Generation Hyundai Sonata Vehicles to the first set of winners of the MTN@25 Mega Promo.

The winners drawn from data collated from the first month of the promotion consist of 3 national winners and 2 regional winners selected from the Ashanti and Ahafo regions.

The first five winners are Mr Kofi Anane, Mr Boakye-Yiadom Osei Owusu, Miss Grace Amoah, Mr Eric Osei Agyeman and Miss Angela Dodzi Bakah. About 200 customers also received cash prizes up to GHC5,000 while 8,000 customers received airtime which were transferred to them digitally.

MTN Ghana expressed its commitment to continue to brighten the lives of Customers beyond the provision of distinct Customer Experience and telecommunication services.

Noel Ganson, the Chief Marketing Officer of MTN Ghana said, “the Silver Jubilee celebration could not be complete without recognizing the significant contribution of our numerous Customers to the success of the company.

“With you, our Customers, we have been able to build a formidable business that provides value.” “The journey of rewarding 25 customers with the Hyundai Sonata, cash and airtime has just begun, therefore, all customers should take the MTN @25 Mega promotion seriously to benefit”, he added.

5 Winners holding documents to their vehicles

Rehina Adams, Showroom Manager of Hyundai Motors and Investments Ghana Limited mentioned that the 8^th Generation Sonata’s features include Push To Start, Remote Start Ignition, Voice Command Control and Shift By Wire Button.

Other features include Reverse Camera and Reverse Sensors, Touch Screen with Internal Memory and Leather Seats.

Angela Dodzi Bakah, one of the winners from the Ashanti region, expressed her delight in emerging as one of the winners and urged other users of MTN to be optimistic about winning.

“I am very delighted. I joined the promo by doing more with MTN. I did more transactions and bought a lot of airtime and bundle. Initially, I thought it wasn’t real but winning this car has increased my confidence in MTN promotions.

I encourage all Customers to subscribe to the promo and win big,” she said.

MTN launched its 25^th anniversary mega consumer promotion in August to reward Customers for their loyalty to the brand.

The points-based promotion is designed to reward all Prepaid and eligible Postpaid Subscribers (existing and new) based on their usage of products and services across MTN platforms.

A winner Expresses his excitement

To participate in the promo, customers are required to dial *156# and select option 5 to opt-in. Alternatively, customers can enter the promo by downloading the myMTN App and proceed to opt-in digitally at https://tinyurl.com/25th-Promo.

The mega promotion is expected to end on October 31^st 2021.

Angela Dodzi Bakah – in the driving seat of her Brand New car

Winner Selection and Promo Rewards

Customers who exceed their monthly target points by the highest percentage margin (by ranking) will be rewarded. In all, 25 Customers will be rewarded with 25 brand new Hyundai Sonata cars.

Over 24,000 customers will be rewarded with cash prizes up to Ghc5, 000 and loads of free Airtime.

As the 25^th anniversary promotions run, MTN customers are advised to be wary of the activities of fraudsters who employ various tactics to defraud Customers.

MTN Ghana will only call Customers via 0244300000. Winners of MTN promotions are not informed via any links or promo codes.

MTN will not request any money or airtime before customers redeem their prizes. Customers are advised to call the Toll-Free number 100 or interact with customer service agents on its social media handles as follows: Twitter @MTNGhana/@AskMTNGhana; Facebook: MTN Ghana WhatsApp:0554300000 and 0555300000. Customers also have the choice of using the MyMTN App or Email via customercare.GH@mtn.com.   Visit www.mtn.com.gh  for more details on the promotion.

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source https://www.jbklutse.com/winners-of-mtn25-mega-promo-receive-prizes/

Introducing Meta: A Social Technology Company

At Facebook’s Connect 2021 conference, CEO Mark Zuckerberg introduced Meta, which brings together our apps and technologies under one new company brand. Meta’s focus will be to bring the metaverse to life and help people connect, find communities and grow businesses.

The metaverse will feel like a hybrid of today’s online social experiences, sometimes expanded into three dimensions or projected into the physical world.

It will let you share immersive experiences with other people even when you can’t be together — and do things together you couldn’t do in the physical world.

It’s the next evolution in a long line of social technologies, and it’s ushering in a new chapter for our company. Mark shared more about this vision in a founder’s letter.

“I’m proud of what we’ve built so far, and I’m excited about what comes next — as we move beyond what’s possible today, beyond the constraints of screens, beyond the limits of distance and physics, and towards a future where everyone can be present with each other, create new opportunities and experience new things. It is a future that is beyond any one company and that will be made by all of us.” – Mark Zuckerberg

“Right now, our brand is so tightly linked to one product that it can’t possibly represent everything that we’re doing today, let alone in the future. Over time, I hope that we are seen as a metaverse company, and I want to anchor our work and identity on what we’re building toward.” – Mark Zuckerberg

Alongside its vision for the metaverse, Mark Zuckerberg also shared more about the progress the company is making today with some of the foundational elements across its AR & VR technologies.

● VR news: VR is at an inflection point led by the release of Quest 2. Games are booming, VR is getting more social, fitness is becoming a hot vertical, and we’re building out more ways VR can be used as a work device. And, we continue to invest in the developer community to help them build and monetize their applications through new tools and features.

● Augmented Reality news: As VR hits an inflection point, we’re investing in the core technology and work needed to bring fully-featured AR glasses to market. While we work on the hardware to make AR glasses, we’re cultivating the content, capabilities, and communities that can enrich Facebook experiences today and illuminate the path to AR glasses ahead.

Facebook’s annual Connect conference brings together augmented and virtual reality developers, content creators, marketers, and others to celebrate the industry’s momentum and growth.

This year’s virtual event explored what experiences in the metaverse could feel like over the next decade — from social connection to entertainment, gaming, fitness, work, education and commerce.

We also announced new tools to help people build for the metaverse, including Presence Platform, which will enable new mixed reality experiences on Quest 2, and a $150-million investment in immersive learning to train the next generation of creators.

You can watch the full Connect keynote and learn more about how the metaverse will unlock new opportunities here.

You can also learn more about our work over the past several months to develop the Meta brand on our design blog.

● Our new company brand captures where our company is going and the future we want to help build.

● We chose “Meta ” because it can mean “beyond,” and captures our commitment to building social technologies that take us beyond what digital connection makes possible today.

● We are also introducing a new logo and color to accompany our new company brand. The logo is treated in a blue gradient – as a nod to our heritage. It’s designed to be experienced in 3D so that it truly comes to life in the metaverse – where you can move through it and around it.

Our corporate structure is not changing, however, how we report on our financials will. Starting with our results for the fourth quarter of 2021, we plan to report on two operating segments: Family of Apps and Reality Labs. We also intend to start trading under the new stock ticker we have reserved, MVRS, on December 1. Today’s announcement does not affect how we use or share data.

[See also: Building the Metaverse Responsibly, Expanding Horizon: New Funding to Support Creators, Introducing Our New Company Brand (2019)]

Meta builds technologies that help people connect, find communities, and grow businesses. When Facebook launched in 2004, it changed the way people connect. Apps like Messenger, Instagram and WhatsApp further empowered billions around the world. Now Meta is moving beyond 2D screens toward immersive experiences like augmented and virtual reality to help build the next evolution in social technology.

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source https://www.jbklutse.com/introducing-meta-a-social-technology-company/

Huawei partners MoCD to train 20,000 SHS Girls in cybersecurity at Ashanti Region

Huawei Ghana has partnered the Ministry of Communications and Digitalisation to organise Cybersecurity training for 20,000 Senior High School Girls in Ashanti Region under the first phase of its Seeds for the Future- Women in Tech programme aimed at empowering more women and girls in STEM (Science Technology Engineering and Mathematics).

The training which falls under the Ministry of Communications and Digitalisation’s National Girls-In-ICT programme will engage 11 (eleven) schools at the Senior High level to equip them on the fundamentals of cyber security and enable them stay safe in the cyberspace.

Some beneficiary schools for the first phase of the training include Kumasi Wesley Girls Senior High School, Yaa Asantewaa Senior High School, St Louis Senior High School, Serwaa Nyarko Girls, Kumasi Girls, Adventist Girls SHS, St Mary’s Girls, Afua Kobi Ampem Girls, St Monica’s, TI Ahmadiya and Prince of Peace Girls.

The second and third phases of the training will take place at the Central and Eastern Regions of Ghana respectively and it is expected to double the number of beneficiaries.

Speaking on the programme, the Deputy Minister for Communications and Digitalisation, Mrs. Ama Pomaa Boateng mentioned that the initiative comes as part of efforts to continue empowering the youth with the technological skills they urgently need to thrive in the digital era.

She expressed the hope that much enthusiasm would be generated amongst girls to enhance ICT education in the country.

The Director of Public Relations for Huawei Ghana, Mrs. Jenny Zhou in expressing the ICT giant’s delight in partnering with the Ministry’s Senior High School Edition of the Girls in ICT program mentioned that Huawei will continue to provide support for initiatives targeted at empowering more females to take up roles in the tech space.

“In the digital era, the most important measure to bridge the digital gender gap is through education. Whether its college education or social training, we need to give women more opportunities to participate in the digital profession.” She said

The Cybersecurity training which begun last Saturday, October 16, 2021, will focus on topics like Information Security, Cyber Bullying and Attacks, Child Online Protection Provisions in the New Cyber Security Act 2020, and tips on how to stay safe online.

The girls will also be sensitized on the need to report all cyber-related issues to the National Cyber Security Authority by sending SMS the shortcode 292 for prompt response and assistance.

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source https://www.jbklutse.com/huawei-mocd-cybersecurity-training-ashanti-region/

GOtv is set to launch a new package: GOtv SUPA

When it comes to the best quality local entertainment, GOtv certainly delivers the best. This festive season, the proudly African entertainment provider is reaffirming its commitment to audiences by introducing a brand-new package that packs a SUPA punch, without putting extra pressure on the purse strings.

GOtv SUPA is coming to Ghanaian audiences from 1^st November 2021, a perfect addition to GOtv’s selection of packages.

“With the festive season fast approaching, families need affordable ways to spend time together, we hope the launch of this entertainment-focused package will do exactly that. And bring families together during this special time of year. Enjoyment his new GOtv package will deliver Enjoyment Sɔŋŋ,” said Managing Director, MultiChoice Ghana, Alex Okyere.

The brand new GOtv SUPA package will offer a range of lifestyle and entertainment channels, featuring more entertainment for the kids, more drama-filled telenovelas, and more proudly local content. It’s an affordable upgrade that unlocks a world of the finest entertainment for the entire family the ultimate gift this festive season.

This new package will focus on an extensive catalogue of general entertainment channels even though no additional sports channels are added, GOtv SUPA subscribers will be able to view all the sporting action available on GOtv like the Europa League, UEFA Nations Conference League, Selected Premier League games, La Liga, Serie A and sports on ESPN.

In terms of home entertainment, GOtv SUPA is set to become a game-changer. It joins an already extensive entertainment family within the GOtv offering, with tailored options from GOtv Lite to GOtv MAX available Ghana.

With the additional channels, there is certainly something for everyone to enjoy on GOtv SUPA.

Some of the channels included in the new GOtv SUPA package are: Akwaaba Magic, Honey, Africa Magic Urban​, WWE, TLNovelas, Novela Magic​, Rix, Kix Channel and Boomerang to mention a few. ​

This new GOtv SUPA package will appeal to audiences all over Ghana and in terms of what’s on offer on the various channels, the proof is in the pudding. Here are a few of the brilliant shows and channels to look out for on GOtv Supa:

Dede

Tells the story of a naïve rural teenage girl who is deceived by her stepmother leave her family and life behind in order to work as a domestic help in the home of a complicated wealthy family. Find out more on Dede Mondays to Fridays at 8pm on Akwaaba Magic, GOtv Channel 101.

Love Me

Family secrets, scandalous love affairs and betrayal all come to light when a wealthy chief decides to reveal all. How will his family cope with the revelations? Find out Mondays to Fridays at 5:30pm on ROK 2, GOtv Channel 107.

WWE

Catch If you’re in the mood for on-screen action, the WWE channel is where you can catch your favourite wrestlers in action on a channel dedicated to showcasing their talent on WWE, GOtv Channel 136.

Africa Magic Epic

Discover the best in local series and movies with Africa Magic Urban. As the name implies, an epic entertainment experience awaits you and your family on GOtv Channel 106.

Boomerang 

Cartoon lovers and kids will love this channel. It’s already become a household staple when it comes to pay-tv children’s channels and features some of the world’s most iconic characters on Boomerang, GOtv Channel 107.

This is only a glimpse of what you can expect to enjoy when you subscribe to GOtv Supa. Visit our website or download the GOtv App to update your current subscription or finally make the leap and join the GOtv family. Here’s to a truly SUPA festive season with GOtv #EnjoymentSɔŋŋ!

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source https://www.jbklutse.com/gotv-to-launch-gotv-supa/

Staircase AI raises $4 million in seed round to create B2B relationship intelligence platform

Staircase AI, a pioneer in relationship intelligence, announced the completion of its $4 million seed round today. The company received funding from Disruptive AI, an early-stage VC that specializes in artificial intelligence (AI), and StageOne Ventures, a VC fund focused on solving large enterprise challenges.

“We are very excited that Disruptive AI and StageOne Ventures have placed their confidence in Staircase AI,” said Ori Entis, co-founder and CEO of Staircase AI.

“Only an AI-based system that fuses and analyzes large amounts of customer data can provide the deep insights needed to help companies better understand, retain and grow their customers. This investment will help us scale our engineering and accelerate our go-to-market plans.”

Staircase AI uses advanced machine learning to analyze thousands of digital engagements between companies and their existing customers. It runs 24×7 to provide Customer Success (CS) teams the peace of mind knowing that it will detect anomalies and trends while providing predictions and recommendations.

The system identifies whether a champion or decision-maker is putting the entire account at risk. Staircase AI will alert team members to the change, and direct them to move forward. CS leaders are trying to understand how to quickly adjust their playbooks. Without advanced data science capabilities, this is impossible.

The company was founded by Ori Entis and Lior Harel and is based in the US with an R&D team in Israel. While managing a CS team responsible for generating over a hundred million dollars in annual recurring revenue, Entis realized he lacked visibility into both the health of the client relationship and into the relationships his team members had with their counterparts.

Lior Harel – CTO & Co-Founder at Staircase AI

To improve his understanding of customer status and team performance, Entis began reading through existing correspondence and was quickly able to determine which accounts were on solid ground and which were at-risk.

He worked with Harel to develop a natural language processing AI tool that could scale across hundreds of thousands of messages and automatically analyze correspondence – including sentiment, engagement, and conversation topics – from any channel.

“It is the magic of AI to disrupt the Customer Success paradigm – with superhuman capabilities over millions of data points, relationships could be managed greatly”, said Yorai Fainmesser, General Partner at Disruptive AI.

“Staircase AI can help enterprises ramp up their relationships in a click, scale their ability to assess a customer, and drive annual recurring revenue to record levels.”

“Customer Success teams struggle with complex, many-to-many relationships with their clients, and lacking intelligent analytics tools, they have been unable to effectively nurture and expand their relationship to the full potential,” said Yuval Cohen, Managing Partner at StageOne Ventures.

“Through relationship intelligence powered by Staircase AI, companies can determine whether they are ready to upgrade their service, maintain their existing service level, or are at churn risk.”

Staircase Relationship Intelligence (SRI) will set the bar for AI-driven customer analytics that help customer success managers gain insight into their teams’ activities.

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source https://www.jbklutse.com/staircase-ai-raises-4-million-in-seed-round/

Releaf partners with IITA to improve growth and sustainability in oil palm production

Releaf, an agri-tech startup that develops proprietary hardware and software solutions that make African farmers and food factories more efficient and profitable, has partnered with the International Institute of Tropical Agriculture to improve growth and sustainability in oil palm production in Nigeria and across Africa.

The partnership will enable the startup and the award-winning research-for-development organisation to explore ways to increase oil palm yields, deploy the best intercropping mechanisms, and work with fabrication and mechanisation experts to foster further innovation and development in Nigeria’s smallholder-driven oil palm sector.

Despite having 80 per cent of the market share, 4 million smallholder farmers in Nigeria’s oil palm sector are unable to maximise the opportunity available to them due to relatively low yields and limited access to adequate processing equipment.

Releaf has invented Kraken – West Africa’s most advanced palm nut de-sheller – which can process up to 500 metric tons of palm nuts per week to produce premium palm kernel products at 95% purity, better than the 88% industry standard. Releaf also works with farmers to improve their output by encouraging the adoption of best practices to increase their yield and supporting farming activities that are good for the environment.

In the early 1960s, Nigeria was the world’s largest oil palm producer with a global market share of 43 per cent. Today, it contributes less than two per cent of total global production.

IITA will support Releaf with soil fertility analysis, access to its facilities, oil palm management programmes and leaf analysis for improved productivity. The partnership will also explore how insect waste can be recycled into organic waste that can be used to fertilise oil palm or as a source of nutrition for livestock.

According to Ikenna Nzewi, CEO and co-founder of Releaf, “IITA has a long and rich history of working with international and national partners to impact agricultural value chains and we are really excited to be partnering with them.

IITA also represents the beginning of the journey that led me to co-found Releaf and I am grateful for the opportunity to take this relationship forward. Oil palm is one of our most ubiquitous plants and we must continue to develop technology to improve its sustainable impact on rural communities’ livelihoods.”

IITA Director General Nteranya Sanginga said, “We are really impressed by what Releaf has already achieved in such a short space of time. I recall our first meeting with Ikenna in 2015 and it is great to see what that first encounter has led to.

Investing in research and development is always a great advantage for everyone and we are looking forward to working with Releaf to explore more ways to add value across the agricultural value chain.”

About Releaf

Releaf is an agricultural technology company that develops proprietary hardware and software solutions to drive the industrialisation of food processing in Africa, starting with Nigeria’s $3 Billion vegetable oil market.

Releaf’s proprietary hardware increases the availability and quality of raw materials for food factories, while the sourcing software connects them directly to 2,000+ smallholder farmers.

Releaf also uses digital technologies including USSD and open banking to work seamlessly with its network of smallholder farmers, who have supplied over 10 million kilograms of quality palm kernel nuts to food factories.

For more information, please visit http://releaf.africa/

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source https://www.jbklutse.com/releaf-partners-with-iita/

itel launches itel S17, itel Spirit 1 Laptop, Cinema TV Projector and other new products in exclusive online launch in Ghana

itel, the global premium mobile phone and accessories brand, continues to prioritize giving its customers control, functionality, fun and value.

In keeping to that tradition, the brand has added a line of new and exciting products to its fleet; the iconic itel S17 smartphone, the itel Cinema TV H1 Pro, the Spirit 1 Laptop and the itel Wireless Neckband N53F.

These were announced in an exclusive online launch event held on Friday October 8, 2021.

The highly attended virtual event drew participation from celebrities and top industry leaders across Nigeria and West Africa, with itel brand ambassador Olamide- accompanied by Nollywood star Mercy Johnson-Okojie and celebrity TV host Stephanie Coker- on hand to talk about the sterling qualities of the new products.

Starting October 9th, 2021, itel stores and authorised outlets will have their shelves filled with these exciting new products as the brand continues to seek easier ways to make life better for all.

itel S17: Specs and Features

A look at the itel S17 smartphone reveals a huge improvement on previous generations of the S series; yet the phone can be purchased at an unmatched price point that target consumers can afford.

This gives credence to the International Data Corporation (IDC) report for 2020 which rated itel as the Number One Smartphone and Feature Phone Brand in Africa under $75, a recognition for its affordability and quality.

Tagged Capture Your Smile, the Smile Selfie smartphone is a game-changer, ensuring that you can look your best when you take a selfie with ease. This is supported by an 8MP front camera and a large 6.6-inch HD+ waterproof full screen that produces 3-dimensional, crystal clear images and videos.

The battery has also been massively upgraded to 5000mAh, enough for up to 70 hours of music, 30 hours of chat, 7-10 hours of entertainment and 7 hours of selfie. With three rear cameras, taking a photo and recording videos have become more flexible and exciting.

These allow more light to come in through the expanded lens, making the view wider and clearer.

Other features include the radial diamond texture that makes the device pleasant to touch and look at; beautiful, sleek exterior design; double safety feature with upgraded fingerprint sensor and face unlock; durable internal and external structures, dust, and moisture resistance and many more.

You can simply walk into an authorised store and choose between the multicolor green, sky blue or deep ocean black variants- whatever tickles your fancy.

Breath-taking Cinematic Experience with the itel Cinema TV H1 Projector

Home or office, it doesn’t really matter. Whether you’re warming up on a large couch with family and friends as you enjoy the current episodes of your favourite TV show or presenting a life-changing pitch in the boardroom, this digital TV projector is as good as they come.

With 100-inch wide-angled screen dimension, i-Cast support and 2×5 Width double speakers, you’re all set for a wholesome cinematic experience.

itel Smart Watch 1 for all times and seasons

This is another new product offering by itel. At first glance what you see is a truly attractive wristwatch but take a closer look and you’ll see why this wristwatch ranks high on functionality and usability. It is a lifestyle watch with features for sports, health, and entertainment.

We can talk about its blood oxygen and heart rate monitors or its 7 sports modes all day long, but not to forget its music and camera control feature, smart notifications, and personalised menu.

It’s Thin, It’s Light, It’s The Itel Spirit 1 Laptop

Processor? Check. Memory? Check. Powerful, fast-charging battery? Check. This new laptop by itel offers you everything you need in a personal computer and so much more.

With 1 TB in-built memory, 8GB RAM and Windows 11 operating system, there’s a lot to love about the Spirit 1 laptop beyond the elegant 15.6-inch FHD Screen and its thin, light design. It is also equipped with WiFi 5, allowing routers to engage with up to four devices at a time.

Get Your Groove On With The itel Wireless Neckband N53F

This is a next-generation wireless neckband brought to you by itel. The Wireless sound accessory is compatible with most mobile phones and computers on the market, giving you the crisp sound quality, you deserve. Its iconic magnetic earbuds will stay put in your ears and never fall off.

This ergonomic design is further enhanced by a comfortable and stylish Neckband. It features a 10.4mm bass boost driver and is moisture resistant.

Join The Family That Enjoys Better Life

This list of new products embodies the passion and character of itel as it continues to sweep through Africa and the rest of the world with affordable but highly innovative products for the young at heart.

Whether it’s the smile-capturing itel S17 smartphone, the cinematic delight of the itel H1 Cinema TV Projector, the unrivalled functionality of the itel Smart Watch 1, the super slim Spirit 1 laptop, or the dynamism of the itel wireless neckband, you too can purchase these products at any itel authorised store near you.

Join the itel family and enjoy better life.

The itel-Buy promotion month is ongoing. Buy yourself any of our key itel products and win amazing gifts instantly from any accredited itel shop.

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source https://www.jbklutse.com/itel-product-launch-october-2021/

Why is employee engagement important for business success?

Workplace culture can have a profound impact on the success of your business. Employee engagement is an integral part of this workplace culture. All team members should be committed to your organisation’s mission, values and goals. When the team starts to falter, motivation and productivity levels can drop across the business.

You need to communicate with your employees openly to improve workplace culture. You need to discuss their career goals, challenges and strengths. The employee engagement approach can improve your team’s performance and overall wellbeing.

Productivity levels have flatlined in the UK for over a decade. The pandemic saw a huge change in our approach to working, and many businesses turned to remote working. The workplace is changing, and we need to keep up.

Let’s take a closer look at some of the benefits of employee engagement.

Better financial health

The better your employee engagement, the higher your revenue, profit, customer satisfaction and earnings. Sounds simple enough, right?

Engaged employees feel valued at your company and are more likely to work optimally. They want the organisation to succeed just as much as you do. They build an emotional connection to the workplace and want to improve it.

Less time off sick

A healthier workplace does not promote a burnout culture. You should encourage your employees to make the most out of their annual leave and to take breaks throughout the day. You could hold weekly workout sessions and fill the office fridge with nutritious snacks. You need to make sure your employees are looking after themselves, both physically and mentally. A healthier employee can be more productive and spend less time off sick. You could use a business loan to launch the new employee wellbeing package.

Improved productivity

Everyone has bursts of low motivation and procrastination from time to time. You spend the workday watching the clock and counting down the hours until you can go home. Employee engagement can improve productivity in the workplace and curate a positive atmosphere. It’s much easier to be motivated when you are working in a healthy environment.

Better communication

Your team should be focused on their work and building professional connections. All too often, workplaces become littered with gossiping, rumours and favouritism. These toxic behaviours make it difficult to enjoy coming to work every day. You need to open the lines of communication between you and your team. If toxic behaviours crop up, you need to nip it in the bud immediately.

Improve your workplace culture so your team can enjoy what they do every day.

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source https://www.jbklutse.com/employee-engagement-business-success/

Cybersecurity: MTN to hold Bright Media Series with Carl Amanor Sackey

MTN Ghana, one of the largest telecommunications company in the country, is set to host Mr. Carl Amanor Sackey – immediate past President of ISACA Accra Chapter – in a Bright Media Series conversation on Cybersecurity.

The virtual event, scheduled for Friday, October 29, 2021, will focus on creating awareness on cybersecurity threats and its security measures.

 

Why join the conversation?

This edition of the MTN Bright Media Series will address critical issues and challenges concerning online safety and protection in a digital era.

Join this conversation if:

• You are concerned about your online safety
• You want to ensure the protection of your online information
• You want to be Cyber-savvy in a digital age

How to join

Join the MTN Bright Series conversation via Microsoft Teams using this link. You can also join the Livestream on MTN LinkedIn (Live: MTNGhana) or Facebook (@MTNGhana).

About Speaker

The guest speaker, Mr Carl Amanor Sackey, is the Product Development Manager at Ghana Community Network Service Limited (GCNet), and immediate Past President of the ISACA Accra Chapter.

He is also a Certified Information Systems Manager and Auditor with certifications in Risk and Information Systems Control.

The MTN Bright Media series will be moderated by Vivian Kai Lokko, a renowned media practitioner, and is open to the general public and anyone interested in protecting themselves and businesses online.

…………………..

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source https://www.jbklutse.com/mtn-bright-media-series-with-carl-amanor-sackey/

Autochek secures $13.1mn seed funding to scale its technology and accelerate expansion

Autochek, the automotive technology company facilitating auto financing across Africa, has today secured $13.1mn in seed funding. Co-led by follow-on investors, TLcom Capital and 4DX Ventures, the round also included participation from existing investors, Golden Palm Investments, Enza Capital, Lateral Capital as well as new participants, ASK Capital and Mobility 54 Investment SAS (the venture capital arm of Toyota Tsusho Corporation / CFAO Group).

With the new funding secured just under a year after Autochek’s $3.4mn pre-seed raise, the round was preempted by Autochek’s lead investors – TLcom Capital and 4DX Ventures.

As part of Autochek’s growth strategy, the capital will be deployed to bolster its core auto loan processing platform and deepen its footprint in West Africa, starting with its recent entry into Cote d’Ivoire.

Additionally, the company is rapidly expanding its footprint across East Africa, following its recent acquisition of Cheki Kenya and Cheki Uganda, East Africa’s leading online auto marketplace. As part of the investment by Mobility54, Autochek will be leveraging Toyota Tsusho’s vast retail network across 46 African countries to further deepen its expansion.

Launched in October 2020 and operational across East and West Africa in 5 countries – Nigeria, Kenya, Ghana, Uganda and Cote d’Ivoire; Autochek combines technology, underpinned by data analytics to deepen auto finance penetration across the continent.

Powered by its residual value algorithm, Autochek has built in-house digital solutions such as Collateral Management, Dealer Management Systems and a proprietary CRM system for managing stakeholder operations within the ecosystem such as vehicle financing, inspection, valuation, and inventory management.

Since its pre-seed raise in November 2020, the platform has achieved rapid traction across its business, most notably in the area of auto-financing where the number of processed loan applications rose from just 10 in November to over 46,000 to date.

Autochek has now partnered with 70 banks across the continent including leading regional players such as Access Bank, Ecobank, UBA, Bank of Africa and NCBA Bank.

The startup has also achieved several key milestones since the start of the year including over 1000 dealers on the Autochek network actively using the loan processing solution, and over 15,000 certified and financeable vehicles on the Autochek marketplace across its markets.

Over the course of the year, Autochek also launched its truck financing platform and more recently financing of brand new vehicles.

Speaking on the next phase of Autochek’s rapid growth following its fundraise, Etop Ikpe, Founder and CEO of Autochek, said, “At Autochek, our driving force is to increase financing penetration on the continent; we have been amazed by the market adoption rate and the support from our banking partners in the countries we operate in.

We stepped into this space knowing we were tackling one of the most significant challenges for Africa’s automotive sector – the lack of a simplified, digital-first financing process. By combining our expertise and networks, we have been able to make an impact in the automotive sector.

“We are extremely delighted with the progress we’ve made in a short amount of time. With this funding and the support of our strategic investors, the entire team at Autochek are dedicated to delivering exceptional service for customers and partners, as well as deploying our technology across Africa.”

Andreata Muforo, Partner at TLcom, says “Autochek has achieved significant traction in one of Africa’s key verticals and is making impressive progress in bringing transparency and efficiency in this complex and fragmented industry.

“The foundation of its growth has been the strong leadership of its CEO, Etop Ikpe, a repeat founder in the automotive market whose world-class experience gave us the confidence to initially invest in Autochek in 2020. We look forward to the next chapter of Autochek’s growth as it continues to unlock the major upside which has remained dormant in Africa’s automotive sector for decades.”

Walter Baddoo, Managing Partner at 4DX Ventures, says, “Autochek is revolutionising the auto industry in Africa by offering the convenience and selection advantage of an auto e-commerce platform together with the added flexibility of financing. We have enjoyed working with the team so far, and they have demonstrated the talent, ambition, and domain expertise needed to build a complete end-to-end car ownership experience for customers. We are excited to partner with the team as they pursue the next phase of their growth.”

Despite being a $45bn industry, Africa’s used car market only has a 5% financing penetration rate, marking a major contrast to the rates of 98% and 99% in Europe and the USA respectively.

Due to a lack of transparency from the automotive sector, there is no way for lenders to understand the present and residual value of vehicles, creating a significant reluctance to issue loans.

However, with Autochek’s established links with car dealerships and 150-point inspection and valuation reports, the company can access vital information on the quality and condition of a range of vehicles, providing lenders with the much-needed trust and transparency to make informed decisions.

Based on its algorithms, Autochek is also able to develop a credit profile on behalf of customers and effectively reduce a loan application process from 40-45 days to 48 hours. The Autochek mobile app is currently available on Android and is due to be launched soon on iOS.

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source https://www.jbklutse.com/autochek-secures-13-1mn-seed-funding/