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Advertising Restrictions Under Review as Concerns Mount Over Gaming Industry Practices

Claire James
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Advertising Restrictions Under Review as Concerns Mount Over Gaming Industry Practices

In recent months, there has been an increasing call for stricter regulation of gambling advertising in the UK. Various stakeholders, from political figures to campaign groups and football personalities, are pushing the Labour government to take a firm stance on this growing issue.

With gambling companies spending billions on marketing, particularly in sports, concerns over the exposure to vulnerable groups, including children, have intensified.

The Push for Stricter Gambling Ads

One key reason for the push toward stricter gambling ad restrictions is the growing recognition of gambling as a public health issue.

Campaigners argue that the proliferation of gambling ads—particularly during sports events—normalizes gambling for children and other vulnerable individuals. According to a study by timeshighereducation.com, 41.000 children in the UK follow gambling accounts on social media channels.

Since the deregulation of gambling ads in 2005 under Tony Blair’s government, which coincided with the rise of smartphones, advertising has exploded. In 2017 alone, bookmakers and online casinos spent over £1.5 billion on advertising. With this massive growth in ads, campaigners worry that vulnerable individuals are being targeted and enticed into gambling at an alarming rate.

At a recent summit in Westminster, figures from across the political spectrum, including former Conservative leader Iain Duncan Smith, urged Culture Secretary Lisa Nandy to take action. Smith, who co-chairs a cross-party group on gambling harms, highlighted the overwhelming public support for stronger restrictions on gambling advertising, citing surveys that back a near-total ban. While Smith stopped short of advocating a complete ban, he stressed the need to outlaw certain practices, such as offering “free” bets and other inducements.

The gambling industry’s vast influence over sports, particularly football, is another major concern. Studies show that gambling logos appear thousands of times during Premier League matches, even with some restrictions already in place. Critics argue that while gambling companies claim they are promoting responsible gambling, their pervasive presence makes it nearly impossible to escape their influence, especially for young sports fans.

Premier League Clubs and Gambling Sponsorship

Football clubs have become a central battleground in the debate over gambling advertising. In April 2023, Premier League clubs agreed to voluntarily phase out front-of-shirt betting sponsorships by the 2026-27 season.

However, despite this agreement, clubs continue to sign lucrative deals with gambling companies. For instance, Bournemouth recently became the 11th Premier League club to feature a gambling sponsor on the front of their shirt, with their deal announced just this season. This move has drawn criticism from campaigns like The Big Step, which advocates for the removal of all gambling advertising in football.

The fact that more than half of Premier League clubs have gambling sponsors highlights the deep financial reliance on these partnerships. Clubs argue that the deals are too financially valuable to turn down, as betting companies typically offer far higher sums than non-gambling brands. Bournemouth’s recent sponsorship with the Asian gambling company bj88, for example, was reported to be nearly double the value of their previous deal with Dafabet.

Other clubs, including Crystal Palace and Wolves, have also struck record deals with Asian betting companies, despite the looming ban. Critics have pointed out that while the ban will stop front-of-shirt sponsorships, it will not cover gambling ads on sleeves, pitchside hoardings, or lower-league clubs, making the impact of the restrictions minimal at best.

This stands in stark contrast to countries like Spain, Italy, and Belgium, which have already banned gambling sponsorship in sports. Campaigners argue that the UK should follow suit to protect young fans from being exposed to harmful and addictive products.

Impact on the Best UK Online Casinos

Stricter gambling ad regulations could significantly impact the online casino sector, which has benefited immensely from the current advertising freedoms. Should Labour enforce stricter advertising bans, this may result in reduced visibility for online gambling platforms, limiting their ability to attract new customers, particularly through sports sponsorships. Prominent UK online casinos, like those featured at Casimonka.com, are already facing tighter regulations, such as affordability checks and slot stake limits, and might experience further challenges as they lose access to lucrative sports markets.

Moreover, restrictions on gambling ads could force the best UK online casinos to rethink their marketing strategies. This could lead to a greater emphasis on responsible gambling initiatives and safer gambling practices. However, the financial impact of losing advertising avenues, especially in high-visibility areas like football sponsorships, would likely be significant.

ECB Rate Cuts and Weaker Euro Present Key New Opportunities for Investors

Danielle
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ECB Rate Cuts and Weaker Euro Present Key New Opportunities for Investors

The ECB is anticipated to lower interest rates at its upcoming meeting this Thursday, presenting new opportunities for global investors to leverage market shifts.

Nigel Green, CEO of deVere Group—one of the world’s largest independent financial advisory and asset management firms—signals a bullish outlook as the ECB is expected to implement its second rate cut of the year. Europe’s economy has been struggling to sustain growth, prompting this expected action.

Green states, “We forecast that the ECB will proceed with its second interest rate reduction of the year. We also anticipate another cut in December, followed by gradual reductions through 2025. This more accommodating monetary policy is likely to inject fresh liquidity into European markets, further supporting growth and potentially boosting asset prices.”

Meanwhile, the euro is trending towards parity with the US dollar. This shift reflects market expectations of aggressive ECB measures aimed at combating economic stagnation and aiding the Eurozone’s recovery.

Green comments, “With the ECB stepping in to support the economy and the euro’s decline making European assets more attractive to foreign investors, the current climate presents a unique opportunity for those looking to reposition themselves in global markets.”

Investors stand to benefit from the ECB’s rate cuts and the weakening euro. Lower interest rates typically boost equities by reducing borrowing costs for businesses, which enhances their investment and growth potential. As Europe’s recovery progresses, European equities may gain from increased liquidity and heightened investor interest.

“For global investors, this is an opportune moment to increase exposure to European stocks, particularly in sectors like tech, energy, and consumer goods, which are likely to benefit from a lower interest rate environment,” says Green.

With the euro expected to approach parity with the US dollar in the near future, investors holding European assets might consider currency hedging strategies to safeguard their returns.

Green advises, “For US-based investors, a weakening euro makes European assets cheaper, but currency depreciation might affect returns on euro-denominated investments. Hedging tools, such as currency options or forward contracts, can help manage exchange rate risks while still capitalizing on European market growth.”

As the ECB continues its easing cycle, European bond yields are likely to fall.

“This scenario could present opportunities in the fixed-income space, particularly in corporate bonds where investors might still find yields as businesses benefit from lower borrowing costs. For yield-seeking investors, diversifying into European bonds can offer stable returns, especially with continued central bank support for credit markets,” Green concludes.

Whether through increasing exposure to European equities, employing currency hedging, or exploring fixed-income investments, the current environment offers significant potential for those looking to capitalize on the ECB’s actions and evolving global market dynamics.

INTO University Partnerships 2024 Survey Reveals 91% Satisfaction Among International Students at UK Pathway Centres

Sam Allcock
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INTO University Partnerships 2024 Survey Reveals 91% Satisfaction Among International Students at UK Pathway Centres

INTO University Partnerships’ 2024 Annual Student Experience Survey indicates that international students at UK pathway centres feel well-supported by the available services.

The survey found that 91% of students were either ‘satisfied’ or ‘highly satisfied’ with the support offered at INTO centres, which operate in collaboration with UK universities. Furthermore, 95% of students expressed contentment with their campus environment, and 93% were satisfied with safety measures.

Regarding teaching and learning, 87% of students reported being pleased with their overall experience.

A total of 1,580 international students from INTO’s nine UK centres took part in the survey, representing countries such as China, Saudi Arabia, Hong Kong, and Indonesia. Participants were enrolled in Foundation, Diploma, and Graduate Diploma programmes.

Mary Wade, INTO University Partnerships’ Executive Vice President for UK Education said: “The Student Experience Survey results underscore the high level of dedication and compassion from all of our UK centres in helping international students feel fully supported as they begin and progress through their study abroad journey.

“These results affirm our commitment to fostering a welcoming and enriching environment that enables students from around the world to thrive.”

In the survey, international students highly rated the support provided at their centre, which encompasses a range of different services. IT support, student services, personal welfare and wellbeing support, and visa advice all secured scores of 92%. The remaining categories included services such as social activities and clubs, advice on progression options, and facilities for religious worship – all of which were rated at 90% or above.

One student at INTO Queen’s University Belfast said: “The personal staff of INTO have always been nice and very supportive. I personally love that, it has always made me feel comfortable.”

Liam O’Hagan, Centre Director said: “It is fantastic to receive such an exceptionally high rating and positive feedback from our students, reflecting on their experience at INTO Queen’s University Belfast. It is imperative that every student feels nurtured and supported as they make the transition to their academic journey in the UK.

“INTO Queen’s is committed to providing the highest standard of support for students’ academic and personal wellbeing which has been recognized as an area of best practice for the Centre by both the British Council and QAA. I take immense pride in seeing our students go from strength to strength as they progress throughout their studies and knowing how much the staff at INTO Queen’s do to support them on their journey.”

Findings also demonstrate a positive response towards living satisfaction. The university campus environment scored 95%, closely followed by feeling safe and secure – 93%. Students also scored their local area and forming social bonds with students both from their own and other countries at 90% or higher.

When asked about their experience of studying and living in London so far, a student from INTO City University, London, said: “Living in London has been an extraordinary experience filled with endless opportunities for exploration and creativity. The vibrant energy of the city, coupled with its rich cultural tapestry, has made every day a new adventure.”

Students reported particularly high learning satisfaction for their class sizes, which earned an approval rate of 95%. Meanwhile, teachers’ ability to communicate in English that is easy to understand obtained 94%, diversity of classes – 93%, and help with improving English Language skills – 91%.

Additionally, the learning facilities were rated favorably with the online learning environment, library facilities, and quality of laboratories all securing scores of 92%.

One student from INTO City University, London, said: “I can confidently say it has been an enriching journey. From the outset, I found myself immersed in a stimulating academic environment that fostered both personal and intellectual growth.”

Another student from INTO London World Education Centre reflecting on their learning experience said: “Not only did I make lifelong friends here, I was also able to work with people of different backgrounds and futures which helped me to stay motivated throughout my course.”

INTO University Partnerships connects talented students worldwide with leading universities in the UK, US and Australia. Since its inception in 2005, INTO has helped over 150,000 students from more than 180 countries achieve their dream of obtaining a degree from a world-class institution.

Measuring the Impact of Election Volatility on Wall Street: Could Traders Uncover Fresh Opportunities?

Claire James
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Measuring the Impact of Election Volatility on Wall Street: Could Traders Uncover Fresh Opportunities?

Wall Street is bracing for another close run US election year with two prospective incumbents in the form of former President Donald Trump and Vice President Kamala Harris. With the race for the White House ramping up a gear in recent weeks, the implication of the election on the stock market appears to be driving short-term volatility. 

With the November presidential election likely to hinge on the swing states of Arizona, Georgia, Michigan, Nevada, North Carolina, Pennsylvania, and Wisconsin, traders are bracing themselves for more market volatility as the United States decides on the direction of the country for the next four years. With uncertainty looming large, could there be an opportunity for profit during the run-up to the big day?

Learning Lessons from History

While it’s too close to determine the winner on November 5, 2024 with any certainty, we can look to historical trends to understand how Wall Street will react to the event and whether traders can uncover opportunities to grow portfolios off the back of market volatility. 

Assessing the average and median totals for the S&P 500 Index, returns are slightly lower in presidential election years in comparison to non-election years and 96-year long-term averages. 

While S&P 500 returns run generally higher in the buildup to a presidential election in comparison to non-election years, markets generally post lower returns over the one, six, and 12-month periods following election day in comparison to years without elections. 

What does this mean for investors? Market trends indicate that positions are best exited rather than held following an election. While relief rallies can occur among markets that could face uncertainty depending on the election winner, it appears that hype plays a significant role in driving market performance as election day looms. 

History also suggests that investors adopt a short-term mindset to secure gains. According to a study conducted by US Bank investment strategists using market data from the past 75 years, election outcomes have a minimal impact on financial market performance in the medium to long term.

The study found that factors like economic and inflation trends are generally more impactful than election results over longer time frames. 

CFDs to Capitalize on Volatility

For investors seeking market opportunities in the buildup to November 5, speculative trading based on market price volatility is likely to drive stronger yields than long-term holds on Wall Street. 

This opens the door for additional contracts for difference (CFD) utility for traders. Because CFDs are contracts that allow investors to speculate on price movements surrounding assets without owning them, the strategy can be a great means of capitalizing on uncertainty surrounding the assets heavily impacted by the outcome of the election. 

CFDs focusing on industries like energy, sustainability, defense, manufacturing, and finance could all see exceptional levels of volatility off the back of twists and turns in the election race. 

Another alternative industry covered by CFDs, cryptocurrency, already experienced heightened volatility in the wake of Trump and Harris’ September 10, 2024 televised debate, which drew panic selling from cryptocurrency holders fearful of a Trump defeat. 

Hedging portfolios with spread bets or trading CFDs can hold new opportunities should we see more of the volatility experienced in the wake of September’s debate, and it’s worth investors looking to incentives via CFD brokers reviews to explore available trading bonuses and range of assets covered for the biggest impact. 

Quick Reactions are Pivotal

As we saw with the fallout of the televised debate on September 10, 2024, markets can react at a rapid pace to emerging events. This means that low-latency trading terminals and strong sentiment analysis tools are imperative for traders seeking to maximize their profit margins and capitalize on fleeting price fluctuations across asset classes. 

Achieving low-latency trading can be a challenge for retail traders, and taking measures to speed up internet connections and embrace fiber-optic connectivity wherever possible can make a major difference when trading uncertainty. 

With sufficient hardware in place, resource-rich investors can utilize ultra-low latency (ULL) trading to take advantage of the marginal price variations among assets during breaking news to the best possible advantage. 

Sentiment Will Become Imperative

The 2024 US presidential election is likely to be a key moment in the development of artificial intelligence technology for the utility of social media sentiment to drive trading strategies. 

With the ability of AI and its subset technology machine learning (ML) to utilize structured and unstructured data for social listening and deeper sentiment analysis, investors will have unprecedented power in predictive analytics to act on. 

As social media becomes increasingly divisive with different demographics split between various networks, democratizing social listening data is becoming a complex challenge for investment tools. With its seamless ability to convert data into powerful insights, investors can become equipped with more tools than ever in trading their way through a tumultuous US presidential election. 

Navigating Uncertainty

Historical performance data suggests that the weeks leading up to November 5, 2024 will be the most lucrative for investors seeking to capitalize on the opportunities presented by the election year. 

With a close-run presidential race still as likely as ever, trading market volatility will likely offer the best yields for investors, but frictionless trading and democratizing data could be the key to identifying and taking advantage of an opportunity in a timely fashion. 

Wall Street has a rich history of rewarding investors who listen to history, and the 2024 US presidential election race could hold plenty of potential for investors willing to embrace the uncertainty. 

The Future of Patient Engagement: The Rise of Text Messaging in Healthcare Systems

Claire James
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The Future of Patient Engagement: The Rise of Text Messaging in Healthcare Systems

Effective communication is crucial in every aspect of life, including healthcare. As technology continues to advance, healthcare providers are increasingly adopting text messaging as a means to enhance patient communication. This modern approach not only improves the patient experience but also leads to better health outcomes.

The Shift Towards Digital Communication

Historically, healthcare communication primarily relied on face-to-face interactions, phone calls, or mailed correspondence. However, with the rise of smartphones and the internet, patients now expect quicker and more efficient ways to communicate with their healthcare providers. Text messaging has emerged as a convenient and effective solution, offering numerous advantages over traditional communication methods.

The COVID-19 pandemic accelerated this shift, as social distancing measures made in-person visits challenging. Healthcare providers turned to text messaging to maintain connections with their patients while ensuring their safety. This change in communication strategy has proven successful, and many practices have opted to continue using text messaging even as restrictions have lifted.

Benefits of Text Messaging in Healthcare

Text messaging offers several benefits that enhance the overall patient experience. First and foremost, it fosters timely communication. Patients can receive reminders, alerts, and important information instantly, helping them stay informed about their health and treatment plans. For instance, appointment reminders sent via text can reduce no-show rates, allowing healthcare providers to better manage their schedules and resources.

Moreover, text messaging provides a level of convenience that traditional methods cannot match. Patients can communicate with their healthcare providers from the comfort of their homes or while on the go. This convenience is particularly beneficial for individuals with busy lifestyles or those who may have difficulty accessing healthcare facilities.

Additionally, text messaging can facilitate better patient engagement. Patients are more likely to respond to a text message than to a phone call or email, leading to higher rates of interaction. This engagement can help healthcare providers monitor patient progress, address concerns promptly, and encourage adherence to treatment plans—all of which can contribute to better health outcomes.

Overcoming Barriers to Communication

One of the significant challenges in healthcare communication is the barrier that exists between patients and providers. Many patients may feel intimidated or hesitant to ask questions during a consultation, leading to misunderstandings or incomplete information. Text messaging can help bridge this gap, allowing patients to voice their concerns or seek clarification in a more comfortable and informal manner.

For example, a patient may have questions about medication side effects or treatment options but may feel embarrassed to discuss these topics in person. Through text messaging, they can express their concerns without the pressure of a face-to-face encounter. This open line of communication can foster a stronger patient-provider relationship and empower patients to take an active role in their healthcare journey.

Ensuring Patient Privacy and Security

While the benefits of text messaging in healthcare are clear, it is essential to address privacy and security concerns. Patient confidentiality is paramount, and healthcare providers must ensure that their text messaging practices comply with regulations such as the Health Insurance Portability and Accountability Act (HIPAA).

To enhance security, many healthcare providers are implementing secure messaging platforms that encrypt text messages and protect sensitive patient information. These platforms often include features such as two-factor authentication and secure logins, ensuring that only authorized individuals can access patient data.

Furthermore, healthcare providers should educate patients about safe patient texting practices. Patients should be advised to avoid sharing sensitive information over unsecured channels and to recognize the importance of keeping their mobile devices secure.

Integrating Text Messaging into Healthcare Systems

To maximize the effectiveness of text messaging, healthcare providers should consider integrating it into their existing systems. This can include incorporating text messaging into electronic health records (EHR) to streamline communication and ensure that all patient interactions are documented.

Integration allows for automated messaging, such as appointment reminders, lab results notifications, and follow-up care instructions. Automation not only saves time for healthcare providers but also ensures that patients receive timely information without requiring constant monitoring.

Additionally, healthcare organizations should invest in training staff to effectively use text messaging as a communication tool. Training can empower staff to understand the capabilities and limitations of text messaging, minimizing the risk of miscommunication and ensuring a seamless patient experience.

The Future of Patient Communication

The role of text messaging in healthcare is likely to continue growing as technology evolves. Innovations such as artificial intelligence (AI) and chatbots are already being leveraged to enhance patient communication further. These tools can provide instant responses to patient inquiries, schedule appointments, and even triage symptoms, offering an additional layer of support.

Moreover, as more patients become accustomed to digital communication, healthcare providers must remain adaptable and responsive to their needs. This may include exploring new communication channels, such as mobile apps, video messaging, and even social media, to engage with patients where they are most comfortable.

Ultimately, enhancing patient communication through text messaging represents a significant advancement in modern healthcare. By embracing this technology, providers can improve patient satisfaction, boost engagement, and promote better health outcomes. As the healthcare landscape continues to evolve, text messaging will undoubtedly play a vital role in shaping the future of patient-provider interactions.

DHI Transplantation: A Closer Look at Direct Hair Implants vs. Direct Hair Improvements

Claire James
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DHI Transplantation: A Closer Look at Direct Hair Implants vs. Direct Hair Improvements

In a culture wherein every hair counts, individuals have been spending time, monetary resources, even mental energy attempting to keep up their lines of hair. You might have heard something about the DHI Hair Transplant, an occasional appreciation if maybe you are among the people who miss the simpler times when your own thick locks as well as unkempt locks became the focus as opposed to the area around your head. However, the initial all, what on earth is it, and secondly of all, why individuals are yelling about it?

What is DHI Hair Transplant?  

Firstly, it should be noted that DHI is **Direct Hair Implantation** rather than **Direct Hair Improvement**, though the latter is undoubtedly a pleasant byproduct. Essentially, using a unique pen-shaped tool, hair follicles may be extracted and implanted one at a time using this approach, which is among the most sophisticated hair restoration techniques. Imagine doing it as though you were planting a miniature garden, with you as the lawn and a very skilled specialist as the gardener.

So, How’s it Done?  

This is where things get fascinating, and no, a magic spell or potion aren’t involved (but wouldn’t that be fantastic?). The process can be divided into a few parts that sound like a formula for a science fiction horror film if you’re a squeamish person. But fear not—everything is done precisely, and nobody appears strange when they depart.

Step 1: Shave, Don’t Save

Your scalp, or the affected area, will be shaved by the surgeon prior to the hair transplant turkey. This might be the perfect opportunity to pull out your assortment of hats if you were wanting to conceal the technique behind your gorgeous locks. It’s considered the transplant community’s pre-game ritual. It is essential to the game!

Step 2: The Follicle Hunt

This is the stage when they remove your hair follicles, usually from your scalp. In the story of your hair transplant, these follicles are the heroes. After surviving the diminishing battlefield, they are finally able to spend their remaining days on the front lines. 

The doctor harvests these follicles individually, sort of like hand-picking berries, using a device known as a micro-punch (sounds delicate, but in the realm of hair, it’s more like a drill). Never forget that your goal is a thicker head of hair, not pie, during this vacation from gathering berries.

Step 3: The DHI Implantation

DHI differs from other approaches in this regard. The DHI procedure uses a small, pen-shaped device in place of punching holes in your scalp and subsequently filling in the follicles (the FUE method). Without the necessity for previous hole-poking, the *implanter* the pen carefully implants the follicles into the thinning or balding areas. This is not your backyard garden job, my friend; this is high-tech planting.

One by one, each follicle is delicately placed into the scalp. Consider this to be the case: A small team of follicle warriors meticulously and carefully transplant every single follicle. Not only one misprint or omission. These follicles are not just randomly tossed in such as when playing a darts tournament; rather, they are arranged with the expectation that they will grow by themselves around the proper angle and direction.

Post-Surgery: The Waiting Game  

You’ll have a head full of microscopic newly planted hairs and a bandaged scalp after the implantation is finished. You’ll be back to your regular schedule in a few days, maybe without the shampoo advertisements for a little while, as the mending process is swift.

However, don’t expect a mane overnight. The months that follow the treatment are when the real magic happens. The new hair starts to grow after a brief period during which you may shed some of the transplanted hair (don’t worry, this is normal). 

 Why DHI is the Beyoncé of Hair Transplants  

Why select DHI beyond a substitute approach? The level of accuracy of this approach implies that the area around the scalp will recover faster, with fewer complications and a more natural-looking result. Who is not interested in drawing attention to the fact that their hair follicles had been placed with an “implant pen”? Its tone is actually wonderful.

Why choose DHI over alternative approaches?

 The precision of this approach means that your scalp will heal faster, with less damage and a more natural hair transplant turkey before and after results. Who wouldn’t want to emphasize that their follicles were implanted with an “implant pen”? It has this kind of beautiful tone. DHI provides an even more accurate, regulated technique than previous therapies, enabling you to walk out of the clinic appearing like a freshly ploughed crop. 

The method of hair regeneration will leave the scalp smooth and free of any visible scars or patches of sporadic regrowth. For sufficient justification, it’s been compared to Beyoncé in the context of hair transplants—accurate, flawed, as well as leaving numerous asking, “How does it continually appear that good?”

Collidr Unveils Advanced Portfolio Assistant Technology for Advisers: ‘Noxai’

Sam Allcock
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Collidr Unveils Advanced Portfolio Assistant Technology for Advisers: ‘Noxai’
  • Free-to-use platform offers adviser firms state-of-the-art portfolio management software, AI-enhanced tools, and comprehensive portfolio analytics.
  • Created with Consumer Duty in mind, Noxai enables adviser firms to effectively manage their investment propositions.

Collidr Technologies Ltd, a company that has been providing portfolio solutions to advisory firms for almost a decade, has launched its latest offering, Collidr’s Noxai. Touted as a ‘free-to-use digital portfolio assistant’, with premium and customisable versions also on offer, Noxai includes the following features:

  • Portfolio health check: Users can track performance and risk across all portfolios.
  • Portfolio projections: Users can simulate future portfolio values and potential outcomes.
  • White label reporting: Users can customise their portfolio dashboard and produce client reports with their own branding.
  • Content generation: Users can automate the design and delivery of market commentary and portfolio reports to clients.
  • Alerts: Users receive 24/7 real-time notifications for any portfolio-related issues.

The free version of Noxai allows up to three users to manage 100 different portfolios, choosing from over 100,000 funds and ETFs. Depending on the chosen plan, the tool also offers features such as custom user roles, bottom-up portfolio attribution, health check alerts, and stress testing for both portfolios and funds. This data can be used to generate market and portfolio commentaries, personalised factsheets, and fully automated batch factsheet production.

Speaking on the launch, Collidr’s CEO, Symon Stickney, said: “Right now, total on-platform funds under management in the UK is around £722 billion, but only £131 billion is in discretionary managed solutions. The lion’s share – around half a trillion pounds of client assets – is in advisory portfolios. These assets are simply not getting the full attention they deserve, because managing those portfolios in the current regulatory environment has become much harder. We decided to change that.

“We developed Noxai to offer intelligence-led technology that makes it easy and cost-effective for adviser firms to build, manage and track all their portfolios under one roof, as well as offering added-value interactive analytics and tailored client reports. And we made it free to use.”

Symon Stickney further commented, “Noxai will revolutionise the way adviser firms manage their portfolios, enabling them to enhance their in-house capabilities and deliver a superior client experience, all while saving time and resources that can be reinvested in growing their business.”

Tokenization and RWA: Transforming Traditional Asset Ownership in the Digital Era

Claire James
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Tokenization and RWA: Transforming Traditional Asset Ownership in the Digital Era

The crypto market took a big hit in the last 3 months. Interestingly, many altcoins are down between 50% and 90% while BTC is ‘just’ some 20% below its 2024 highs, also ATH.

As the altcoin market is looking for a floor, BTC is exhibiting relative strength. That’s how it always goes, coming out of a bearish cycle, irrespective of the length of it (multi-month or multi-quarter): Bitcoin’s dominance rises until investors are ready and willing to pivot their profits into beaten down and ‘undervalued’ alts.

If anything, in this bi-furcated crypto market, the first signs of a new emerging trend are visible: tokenization plays are exhibiting relative strength.

Bitcoin Dominance Now More Dominant

Bitcoin dominance, a measure of Bitcoin’s market capitalization relative to the total cryptocurrency market, has recently registered a ‘breakout’ as it continued its upward trend. 

INSERT CHART

Bitcoin dominance serves as a barometer for crypto market sentiment. When Bitcoin’s dominance rises, it often indicates that investors are seeking the relative stability and security offered by Bitcoin, even though it’s a very volatile asset. 

This trend tends to lead to reduced momentum for altcoins, as funds flow into Bitcoin rather than other cryptocurrencies.

For example, during periods of increased market uncertainty, Bitcoin often benefits from its status as a “safe haven” asset within the crypto space. As Bitcoin’s dominance increases, many altcoins may experience stagnation or declines in value. This environment tends to favor well-established cryptocurrencies with substantial market capitalizations and proven track records.

Blue-chip tokens working on a turnaround in relative strength

As Bitcoin continues to show its dominance, only a few blue-chip tokens start showing up as candidates to register a turnaround. Note: we are not talking a bullish trend, we are talking the end of a downtrend when priced in BTC and the start of a consolidation. 

These tokens often include major cryptocurrencies with strong use cases and widespread adoption. Despite the dominance of Bitcoin, blue-chip tokens like Ethereum (ETH) and Solana (SOL) are starting to show early signs of resilience when priced in BTC. Case in point: relative strength as evidenced by this Solana’ 2025 forecast research.

Interestingly, tokenization tokens—representing real-world assets (RWAs) such as commodities or financial instruments—are showing relative strength compared to other altcoins. This performance is a first sign of a growing interest in this particular segment of digital assets. It’s still speculative, admittedly, but the signs at the time of writing are convincing as explained in our 2025 crypto narrative.

The Growing Significance of Tokenization

Tokenization involves converting physical assets—such as gold, real estate, or other tangible items—into digital tokens that can be traded and managed on blockchain platforms. This innovation offers numerous benefits, making #tokenization an increasingly attractive option for investors.

Benefits of tokenized assets:

  • Blockchain technology provides transparent transaction records, enhancing trust and reducing the potential for fraud.
  • Once recorded, blockchain data cannot be altered, ensuring the integrity of ownership.
  • Tokenized assets can be traded more efficiently compared to the underlying physical assets, providing greater flexibility for investors.

Tokenized gold might be one beneficiary of the tokenization narrative that is brewing. It combines the stability of precious metals with the benefits of digital assets. By tokenizing gold, investors can gain exposure to the value of gold while leveraging blockchain’s strengths. This could attract a new generation of investors who are interested in traditional assets but prefer the convenience of digital transactions, particularly in a time where the gold bull market seems unstoppable.

Tokenized real estate is another potential major use case. Tokenized real estate involves converting property ownership into digital tokens, allowing fractional ownership and easier trading of real estate assets. This approach offers benefits like increased liquidity, and lower barriers to entry for investors (certainly applicable to large real estate projects).

Macro Trends Supporting the Tokenization Trend 

There are 2 macro trends happening right now:

  1. The emerging generation of investors, digital natives, show a clear preference in digital assets and digital trading.
  2. Institutions are entering the crypto space. This trend got officially kicked off, at least as a macro trend, in our view, when Blackrock announced their intention to heavily engage in tokenization, in March of 2024.

As digital natives become more accustomed to engaging with digital assets and institutions enter the crypto space, tokenization could become a mainstream investment strategy.

While several blue-chip tokens like Chainlink and XRP are building on RWA. No surprise and no coincidence, the charts of these tokens are among the stronger ones, certainly when it comes to chart patterns, as explained in great detail in this XRP prediction 2025 research.

The Potential of Tokenized Assets

If tokenized assets continue to gain traction, it might become a macro trend within financial markets, certainly within the still relatively small crypto universe. 

The benefits of tokenization—including transparency, immutability, and liquidity—make it an attractive option for investors seeking a blend of traditional stability and modern technology.

As traditional assets are digitized, they offer new opportunities for investing and trading. The ability to tokenize physical assets opens up, think of real estate as no-brainer use cases, but also art and rate collectibles, presents countless possibilities.

It will be really interesting to see whether this trend will intersect with previous trends like decentralized applications (dApps) and decentralized finance (DeFi).

Take-aways

The crypto market is going to trigger new narratives in 2025. The only question is which one(s) exactly.

Tokenization, particularly of real-world assets, offer a unique opportunity in terms of utility. Will this be strong enough to trigger a macro trend in the crypto universe? With Bitcoin’s rising dominance combined with early signs of relative strength in tokenized assets, there is a fair chance that tokenization will be the next big thing in crypto.

In collaboration with Taki Tsaklanos.

Understanding the Difference: Contributory vs Non-Contributory Pensions in Ireland

Claire James
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Understanding the Difference: Contributory vs Non-Contributory Pensions in Ireland

If you’re thinking about setting up a pension, understanding the different types available is essential. Two of the most common types in Ireland are:

  • contributory pensions 
  • non-contributory pensions. 

Knowing the differences between these pension types can help you make an informed decision, especially if you are an employer thinking about how to start a company pension or an individual considering joining one. In this blog, we’ll walk through the key differences between contributory and non-contributory pensions and how to choose the right one for your needs. 

What is a Contributory Pension? 

A contributory pension is a retirement scheme where both you and your employer make regular contributions towards your pension pot. 

This type of pension is usually associated with a company pension plan, also known as an occupational pension scheme. 

Contributions from both parties are invested, and over time, your pension fund grows. When you reach retirement age, you’ll be able to access these funds, providing you with an income in your retirement years. 

Types of Contributory Pensions There are two main types of contributory pensions: 

1. Defined Benefit Pension Scheme: 

A DB pension is a type of pension, your retirement income is based on a set formula that considers factors such as your salary and the number of years you’ve worked. The risk of underperformance of investments lies with the employer, and you’re guaranteed a specific income upon retirement. 

2. Defined Contribution Pension Scheme

Here, the amount of pension you receive depends on the contributions made by you and your employer, as well as how well the investments perform. The risk lies with you, the employee, but you may have more control over investment decisions. 

### Key Features of Contributory Pensions –

  •  Employer Contributions: In many company pension plans, employers will match or partially match the contributions made by employees, effectively boosting your retirement savings. 
  • Tax Benefits: Contributions are usually tax-deductible, which can significantly lower your tax bill. 
  • Control Over Investments: Depending on the plan, you may have a say in how your pension contributions are invested. 

Who Should Choose a Contributory Pension? 

If you’re employed and your company offers a company pension, a contributory pension is generally a great option. The fact that your employer also contributes means you’re getting more value for your money. The tax advantages make it a very cost-effective way to save for your retirement. If you’re an employer wondering how to start a company pension, offering a contributory scheme can be an attractive benefit for your employees. Not only does it help with employee retention, but it also demonstrates your commitment to your employees’ financial futures. 

What is a Non-Contributory Pension? 

A non-contributory pension is a retirement benefit that does not require any contributions from the employee during their working years. Instead, it is typically funded by the government. In Ireland, the most common form of a non-contributory pension is the State Pension (Non-Contributory), which is provided to individuals who don’t qualify for the State Pension (Contributory) due to insufficient social insurance contributions. The State Pension (Non-Contributory) is means-tested, meaning your income, savings, and other assets are taken into account to determine your eligibility. This pension is designed to provide a safety net for those who may not have had the opportunity to build sufficient pension savings throughout their working life. 

Key Features of Non-Contributory Pensions 

Means-Tested: Your eligibility for the pension depends on your total income and assets. 

Flat Payment: The amount you receive is fixed, regardless of your previous income or contributions. 

Government-Funded: This type of pension is funded by the government and does not require any employee contributions. 

Who Should Choose a Non-Contributory Pension? 

A non-contributory pension is generally suited for individuals who may not have been able to build up sufficient contributions for a contributory pension. This could be due to periods of unemployment, low-income work, or time spent caring for family members. It provides a vital safety net for those who need financial support in their retirement but have not made enough contributions to qualify for the contributory state pension. 

Conclusion

Choosing between a contributory pension and a non-contributory pension depends largely on your employment status, financial situation, and retirement goals. For most people in employment, a contributory company pension offers the best opportunity for a secure retirement. It allows you to benefit from employer contributions, tax relief, and greater control over your retirement savings. 

However, for those who do not qualify for contributory pensions, a non-contributory pension provides an essential safety net in retirement.

By understanding the key differences and assessing your options, you can make the best decision for your future financial security.

Blockchain in Finance: Historical Perspectives on the Emergence of Financial Applications

Claire James
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Blockchain in Finance: Historical Perspectives on the Emergence of Financial Applications

The financial industry has seen remarkable transformations over the past few decades, with blockchain technology standing out as one of the most disruptive. From Bitcoin’s debut as a decentralized currency to the rise of innovative financial applications, blockchain has reshaped how we think about finance.

Initially met with skepticism, blockchain has grown into a widely recognized tool for enhancing security, transparency, and efficiency in financial operations.

But when blockchain applications in finance came along, they didn’t just change one system—they redefined an entire industry.Read on to learn more about Blockchain’s effect on the finance industry.

What Is Blockchain Technology?

Blockchain is a decentralized digital ledger that records transactions across multiple computers in a way that ensures security, transparency, and immutability. Unlike traditional ledgers controlled by a single entity, blockchain operates through a network of computers (or nodes) where data is encrypted and stored in blocks.

At its core, blockchain is revolutionary because it eliminates the need for a central authority, allowing peer-to-peer transactions without intermediaries. This technology powers cryptocurrencies such as Bitcoin and Ethereum but also has far-reaching applications in finance, including smart contracts, decentralized finance (DeFi), and cross-border payments.

Benefits of Blockchain Technology in Finance

Blockchain technology has emerged as a transformative force in the financial sector, offering solutions to long-standing challenges and opening up new possibilities for innovation. Its unique features have made it an essential tool in finance for a number of important reasons.

  • Transparency: Every transaction on the blockchain is visible to participants in the network, making the system highly transparent and traceable.
  • Security: Blockchain’s encryption and decentralized nature provide strong protection against fraud and hacking.
  • Efficiency: Blockchain eliminates the need for intermediaries in transactions, speeding up processes like payments and settlements.
  • Cost Reduction: By cutting out the middleman, blockchain reduces transaction fees and operational costs.
  • Immutability: Once recorded on the blockchain, data cannot be altered, ensuring the integrity of financial records.

Early Days of Blockchain in Finance

The early days of blockchain in finance were marked by excitement, skepticism, and rapid innovation. As financial institutions and regulators grappled with the implications of this new technology, entrepreneurs and visionaries pushed the boundaries of what was possible with decentralized ledgers.

Aspect Key Details
Bitcoin’s Emergence Launched in 2009, Bitcoin introduced the concept of blockchain for decentralized digital currency.
Initial Coin Offerings (ICOs) ICOs became a popular method for fundraising, starting with Mastercoin in 2013, leading to a surge in new blockchain projects.
Central Bank Digital Currencies (CBDCs) CBDCs began being explored by central banks as a way to digitize fiat currencies, with early experiments by China and Sweden.

Bitcoin’s Growth and Recognition

Blockchain first made waves in 2008 with the release of Bitcoin, a decentralized digital currency created by an anonymous individual or group known as Satoshi Nakamoto.

In its nascent stages, Bitcoin was primarily the domain of cryptography enthusiasts, computer scientists, and those interested in alternative economic systems.

Bitcoin’s journey to legitimacy has been marked by significant milestones. In 2012, WordPress became one of the first major companies to accept Bitcoin as payment. By 2014, major retailers like Overstock and Newegg had followed suit. The creation of regulated Bitcoin futures markets by the Chicago Mercantile Exchange (CME) and the Chicago Board Options Exchange (CBOE) in 2017 signaled Bitcoin’s entry into mainstream finance.

In 2021, El Salvador made history by becoming the first country to adopt Bitcoin as legal tender, further cementing its status as a recognized financial asset.

Initial Coin Offerings

The next significant phase of blockchain in finance came with the Initial Coin Offering (ICO) boom in 2017. ICOs allow startups and projects to raise capital by offering new cryptocurrencies or tokens in exchange for established digital currencies like Bitcoin or Ethereum.

While ICOs provided a way for blockchain-based projects to secure funding without traditional venture capital, the sector faced significant regulatory challenges due to scams and fraud. Many ICOs were unregulated, resulting in a lack of investor protection. Despite this, ICOs helped establish the foundation for what would later become decentralized finance (DeFi) and tokenized assets.

Central Bank Digital Currencies

In recent years, Central Bank Digital Currencies (CBDCs) have emerged as a significant area of interest for governments and financial institutions worldwide. CBDCs represent a digital form of a country’s fiat currency, issued and regulated by the central bank. Unlike decentralized cryptocurrencies, CBDCs are centralized and fully backed by the issuing government.

China has been at the forefront of CBDC development with its Digital Currency Electronic Payment (DCEP) system, also known as the digital yuan. As of 2023, China has conducted extensive pilots across major cities, with millions of citizens participating in transactions using virtual currency.

The European Central Bank is also making strides with its digital euro project, having completed a two-year investigation phase in October 2023. The Bank of England and the Federal Reserve in the United States are similarly exploring CBDC options, recognizing their potential to enhance payment systems, improve financial inclusion, and maintain monetary sovereignty in an increasingly digital world.

Emergence of Financial Applications

As blockchain technology matured, it became apparent that its potential extended far beyond cryptocurrencies. Several financial applications emerged, utilizing blockchain to enhance various aspects of finance.

Blockchain’s ability to provide decentralized, secure, and transparent systems opened the door for numerous financial applications that could streamline operations and reduce costs.

Here are five of these applications:

1. Decentralized Finance (DeFi)

Decentralized Finance, or DeFi, represents a paradigm shift in how financial services are delivered. DeFi aims to recreate and improve traditional financial services using blockchain technology without relying on centralized institutions like banks or brokerages.

Key features of DeFi:

  • Accessibility: Anyone with an internet connection can access DeFi services, regardless of location or credit history.
  • Transparency: All transactions and smart contracts are visible on the blockchain.
  • Interoperability: Different DeFi protocols can often work together seamlessly.
  • Non-custodial: Users maintain control of their assets at all times.

Real-world impact: As of August 2024, the total value locked (TVL) in DeFi protocols approached $90 billion, demonstrating significant adoption.

Challenges: DeFi faces regulatory uncertainty and security risks, with several high-profile hacks occurring in recent years. Scalability and user experience remain areas for improvement.

2. Smart Contracts

Smart contracts are self-executing contracts with the terms of the agreement directly written into code. These contracts automatically enforce and carry out the contract terms once predetermined conditions are met, without needing intermediaries like lawyers, brokers, or banks.

Stored and executed on blockchain networks, smart contracts are immutable, meaning once deployed, they cannot be altered, ensuring the agreement is secure and transparent.

Casper Network is an advanced blockchain platform designed to help businesses implement secure, scalable, and efficient smart contracts. Casper is known for its user-friendly architecture, focusing on enterprise-grade solutions that offer developers flexibility in creating smart contracts tailored to specific needs.

Here’s how Casper Network can help with smart contracts:

  • Upgradable Smart Contracts: Unlike many blockchain networks, smart contracts on Casper can be modified or upgraded after deployment, allowing businesses to adapt to changes without needing to rewrite entire contracts from scratch.
  • Energy Efficiency: Casper operates on a proof-of-stake consensus mechanism, which consumes significantly less energy than traditional proof-of-work systems.
  • Enterprise-Focused Solutions: Casper is designed with enterprises in mind, offering scalable solutions for businesses that require custom smart contract functionality. The network supports a wide range of use cases, from tokenization of assets to automated financial agreements.

3. Cross-Border Payments

Blockchain technology has transformed cross-border payments by enabling faster, cheaper, and more transparent transactions. By cutting out the middlemen and using decentralized networks, blockchain allows direct peer-to-peer payments across borders, significantly reducing processing times and fees.

Blockchain improves international transactions by providing:

  • Faster settlement times (minutes instead of days)
  • Lower transaction fees
  • Increased transparency

Example: Ripple’s technology powers Santander’s One Pay FX, enabling same-day international transfers.

4. Asset Tokenization

Asset tokenization is the process of converting ownership rights of a real-world asset, such as real estate, art, commodities, or even stocks, into digital tokens that can be traded on a blockchain. These tokens represent a share of the asset or its value, making it easier for individuals to invest in and trade fractional ownership of high-value assets.

Here’s how asset tokenization works:

  • Digitizing Ownership: Real-world assets are represented digitally as tokens on a blockchain. For instance, a tokenized real estate property can be divided into several tokens, where each token represents partial ownership of the property.
  • Fractional Ownership: Tokenization allows for fractional ownership, meaning that investors can buy smaller portions of a high-value asset.
  • Blockchain Infrastructure: Blockchain ensures that ownership of tokenized assets is tamper-proof and transparent. Every transaction is recorded on a decentralized ledger, making it possible for investors to see exactly who owns what portion of the asset.

Conclusion

Blockchain technology has had a profound impact on the finance industry, transforming everything from digital payments to decentralized finance. What began with Bitcoin has evolved into a broader ecosystem of financial applications that have reshaped how businesses and individuals manage their assets and transactions.

As blockchain continues to mature, its role in finance is only expected to grow, offering new opportunities for innovation, efficiency, and inclusivity in the global financial system.

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