On Top of Trends With PSI-Pay

PSI-Pay is an e-Money Institution which is regulated by the UK Financial Conduct Authority. The private company is licensed to issue debit, prepaid payment, and virtual cards. PSI-Pay is a Principal Issuing Member of Mastercard Worldwide, and is a leading provider of payment solutions to companies and individuals all over the world.


Headquartered in Horsham, West Sussex, PSI-Pay employs highly skilled professionals who work to sell, market, distribute, and manage their payment card programs. A Partner Sponsorship model ensures that cardholder funds are safeguarded while meeting scheme and regulatory requirements.

In a recent PSI Pay article, top trends impacting the 2018 payment industry were discussed. The payment sector of the financial service industry is labeled as the most turbulent, due to changing consumer demands, digital technology evolutions, and changes in competitive forces. Therefore, the company considers it vital to understand trends in order to continue to provide the best payment services. One trend is to enhance user’s digital commerce experience with apps and wallets, which not only makes business operate more smoothly, but increases the chances of turning users into customers. This use of software is creating a complex partner system, where banks are no longer the primary facilitators of payment services and products.

However, digital wallet adoption has shown slow progress. Most consumers are content to still use cash and cards. From personal experience, I think this is due to the uncertainty and complexity involved with using new technology. Consumers question app safety and ease of use. If cash and cards are effective and easy, why switch? Other trends gaining traction are the use of chatbots, which are able to execute basic transactions with the customer’s consent, the use of blockchain technology, and the use of virtual reality payment systems.

Overall, PSI Pay is always looking for ways to adopt new strategies to provide their customers with safe, personalized payment systems. As a consumer, I appreciate this effort. However, I would like for all payment companies to keep in mind that consumers are more willing to try new technology when it’s for entertainment, but less willing to take a chance when it involves their hard-earned cash.


Rick Shinto: the driving force behind the growth and success of InnovaCare Health

One of the leading healthcare companies in North America is the InnovaCare. The company deals with Medicare and Medicaid Advantage Programs together with the physician services. Since its creation, InnovaCare Health has maintained its dedication to providing excellent healthcare services. This has been possible through the creation of not only sustainable models but also models that are profitable and integrated with the modern advanced technology. The company is based in Puerto Rico and has around 200,000 registered members who are served by more than 7,000 workers.


The company is also in partnership with the government’s Medicaid Plans (GHP) in providing the residents of Puerto Rico with broad coverage plans via a blended care model.  For the short period that the InnovaCare has been on the market, it has undergone several transformations that have led to the improvement of company’s performance. Structural changes and good leadership have improved the service provision in the company. The new technological systems installed by InnovaCare have made it easy for the clients to access faster and increased the number of customers that can be served at the facility at the same time.


Rick Shinto is among the few professionals who have played a major role in shaping the InnovaCare Health. He serves as both the President and CEO of the company. A medical graduate from the State University of New York, Rick Shinto also holds an MBA from the Redlands University. For over 20 years, Rick Shinto has served in different companies. At first, he worked as a pulmonologist in Southern California. Between 2008 and 2012, he served as the CEO and President at Aveta Inc. Dr. Shinto also worked with NAMM California and MedPartners.


Rick Shinto has written numerous articles in clinical medicine and healthcare. Since his appointment as the president and CEO, the company has undergone a noticeable growth and improvements. Dr. Shinto’s vast experience in leading teams and health sector has greatly helped him to steer the InnovaCare in the right direction. Through his innovative ideas and promotion for change in the delivery of services in health care has seen an increase in the company’s popularity in Puerto Rico. This has led to an increase in the number of Puerto Ricans receiving proper and affordable medical care under the InnovaCare Health plan.


Drew Madden Helps Found Evergreen Healthcare Partners

In an era where consumers are turning to companies like Amazon and CVS for their health care needs, Drew Madden still provides information technology. Madden, who served as the Nordic Consulting Partners president from 2011-2016, helped found Evergreen Healthcare Partners in July 2017.

Madden and his partners set up the kind of electronic health records that allows patients to store information on the cloud and communicate it with medical staff. Evergreen also provides a variety of collaborative tools intended to help doctors, nurses and other medical staff work together. Much of this health information has become available not only on computers but on tablets and smartphones. For instance, both doctors and patients can view stored blood sugar or heart rate records after recording measurements from a phone app.

It seems as if the healthcare industry is a competitive one, and Americans reportedly spend more per capita on health care than other countries with a life expectancy from 70-80 years. Concerning this, finding a way to make healthcare IT more personal is one way Madden and partners helps companies win over the health care consumer.

For companies like Amazon and CVS, the personability often comes with combining both convenience with the personal customer care they need. This coincides with the Evergreen motto, which states that “individuals matter and people make all the difference.” Evergreen reportedly strives to find the right opportunities for implementation of EHR platforms and specialized technology based on preferences, goals and skill sets.

Madden and the rest of the managing partners who run Evergreen Consulting group continue to offer solutions for both consumers and healthcare organizations. They promote themselves as a company that makes sure systems are set up to provide the highest quality care possible. The equipment, apps and hardware they implement also are installed with the goal of making healthcare IT run as efficiently as possible.

Betsy DeVos and her School Choice Movements

For those who have been following American education for the past thirty years, you know that there have been significant changes with each change in administration. However, with the latest change, many people were critical of the new pick of Betsy DeVos for US Education Secretary. Despite what many claim her to be, she has always been an education advocate and has worked hard to help students as American education systems continue to be compared negatively around the world.


One of the problems is standardized testing and Common Core Math. Betsy DeVos recently spoke about her not being a fan of these in an interview with “60 Minutes” and Leslie Stahl. While Stahl asked some poignant questions, he failed to really understand the point of educational choice. However, DeVos has never turned down an opportunity to speak about what she’s doing and for the most part, she has given a voice to parents and students who don’t want to be zoned and forced to go to a failing school.


Educational choice has been a campaign for DeVos for many years. She started at Calvin College, joining various political groups and even graduating to work with Jimmy Carter on his political run. Since then, she has been on her own campaign for education reform in Michigan. She even promoted a state law called “Kids First! Coalition” which supported educational choice. However, it was voted down by Michigan residents.


DeVos isn’t deterred by those who don’t see the value of educational choice. She believes that many don’t realize what it offers to students, which is her main focus. Educational choice means that students and parents have a choice in where they send their students to school. In states with a lot of options like Florida, you can send your student to virtual school, homeschooling, charter schools, private schools, and magnet programs at other schools. Some of these options still support the public school system, while others do support private education.


However, much of the support has come from philanthropy, despite what many say is public funding. DeVos has several donors like Mark Zuckerberg, Bill Gates, and Sam Walton who support the educational choice programs, especially because it supports students being able to get the education that they want when there are so many public school systems that are not able to uphold a high quality of education.


DeVos believes that change is coming but this is something that we can all change currently. If students have to go to a different school than where they are zoned because the school hasn’t been effective in its standardized testing and scoring, then it should be allowed for the student to do so.


DeVos says that the programs will start being more successful when adopted by more states. Currently, her most successful programs are in Florida, where the state has fully embraced the educational choice option and provided the most options to their students.


To learn more, visit www.betsydevos.com.

Louis Chenevert Career

Where you are today, does not matter, where you are headed, and the energy you are willing to put in to get to where you want to be is what matters. The sooner many entrepreneurs understand this, the better it will be for them. Louis Chenevert is a good example of this statement. He grew up as a normal child and developed entrepreneurship interests at a tender age.

Louis Chenevert knew that if he put in hard work and stayed committed to his career, he would achieve his goals. He began by acquiring a degree in Production Management in HEC Montreal. The Production unit in a company determines the profits of the company. The Production Management helps in ensuring that goods produced in a company are of high quality and costs are minimized. This was the right career for Louis because he wanted to help companies.

After completing his degree, he went in search of a job, and he landed in General Motors. Here he worked for more than a decade. He learned many factors affecting the production of a company during this time. Before he left the company, he served as the General Production Manager meaning he oversaw the production of the company on a large scale basis.

In 1993, he got a chance to work with Pratt & Whitney which is an engineering company. After six years of working in the firm, they promoted him to their President. During this time, the company was a subsidiary firm of United Technologies Corporation (UTC).

When the management saw the difference that he was bringing about in Pratt& Whitney, they gave them the CEO seat of UTC. This must be the best decision that they made. The state was facing a serious financial crisis by then, and many companies were closing down. At this point, all the companies were striving for is, to stay in the market.

Louis Chenevert did more than this to UTC. He doubled the value of the shares of the firm. He also made acquisitions that led to UTC gaining leverage in the market. This is why it is hard to discuss UTC and not mention Louis Chenevert.


Tony Petrello- Top-Paid CEO In The U.S

The role of Tony Petrello in the growth of Nabors Industries can never be underestimated. Since he came into the company, it has gone total transformation. It is now a leading company in the world which has made a huge transformation of the oil natural gas drilling company. Nabors Industries is a company he joined in 1991 and has been working closely together with other players in the oil industry to change the industry. Tony Petrello leads the drilling technology giant from Texas where the headquarters of Nabors are located. Its operations are not limited to the United States only. It is currently operating in 25 different countries. Currently, it is the largest drilling firm in the world. It is the best drilling rigs that are needed for effective drilling operations.

Tony Petrello joined Nabors Industries for the first time in 1991 after quitting his job as a lawyer. He was recruited by Nabors Industries who were his client in the legal field to head the operations department in the oil company. He was hired and immediately given the position of Chief Operating Officer. The first thing which impressed the management of Nabors industries back then was the ability of Tony Petrello to solve problems. He was a talent problem-solver who could come up with solutions for almost every challenge that he would encounter in the industry. The second thing is that he was a trained lawyer specialization in business-related issues. He mainly dealt with matters of business management and taxation. He, therefore, had a solid understanding of finances in a business organization.

Tony Petrello came into Nabors industries and established a new era in the history of the company. He came up with brilliant ideas which he proposed to the board. Some of them are the reason why we see Nabors Industries as the largest drilling technology firm on the globe. Immediately he took over as the CEO; his first task was streamlining the operations of the company so that there would be better productivity. He also proposed the company to acquire smaller competing firms to boost its expansion. There are some of the decisions which formed the foundation of growth in the oil company.

Tony Petrello has been doing great in the management of the firm. In 2015, he was ranked among the top-paid CEO in the United States. This was a mark of approval for the good work he is doing at Nabors. He has managed to transform the industry into a leading global firm.

Check more about Tony Petrello: https://chronicleweek.com/2017/11/tony-petrello-donates-7-million-to-texas-childrens-hospital-of-houston/

Luiz Carlos Trabuco Cappi: A Perfect Example Of A Leader Who Has Utilized His Skills To Transform The Performance Of Bradesco Bank

A leader refers to an individual who helps other people to do the right things. They show the direction, set goals and also build a motivating vision for other people. However, while the leaders set goals and directions for the rest of the people, they must possess the appropriate management skills to ensure a smooth ride along the success route. No one can dispute the impact that a great leader can have on an organization. A good example of an individual who has utilized his skills to lead a multinational company to success is Luiz Carlos Trabuco Cappi who was recently tapped to serve in Bradesco bank as the chairman.

There is no doubt that Bradesco bank is one of the largest financial institutions in Latin America. It was founded in 1943 by Amador Aguiar. Currently, the lender serves more than 27 million customers who are spread across the country. Additionally, the bank has numerous branches and it is also one of the biggest employers in Brazil.

Ever since it was established, Bradesco bank earned a reputation as one of the few Brazilian banks with outstanding customer service. However, you cannot talk about the success of Bradesco bank without mentioning the contributions of Luiz Carlos Trabuco Cappi.

He joined the lender at the age of seventeen years where he served at the lowest rank in the bank as clerk. Unlike most of the other bank executives, he did not receive any background training in accounting and finance. He has thrived in the tough banking sector because of his great abilities to organize and lead a group of people to achieve set goals.

In his first assignment, Luiz Carlos Trabuco Cappi was tasked being the head of marketing department of the bank. During that time, Bradesco bank was struggling to increase the number of customers. But with Luiz as the new of the marketing department, he introduced numerous changes that impacted positively to the bank. He improved customer care and also opened the bank to the media. As a result, Bradesco bank got a lot of publicity, which helped to drive numbers their way.

After succeeding in his first role as a leader, the board of directors at the bank entrusted him with bigger responsibilities in the bank. In fact, Luiz was called to turnaround the performance of the ailing departments in the bank. He ended up working in almost every department in Bradesco bank. One of his biggest successes came when he was appointed to become the CEO of Bradesco Seguros. Within no time, Luiz Carlos Trabuco Cappi turned around the performance of the pensions and insurance division to become the best in Latin America.

When he was tapped to become the president of the bank in 2009, Luiz focused on bettering the services offered by the bank. He laid his eyes on the Bradesco Seguros which showed a lot of potentials. In 2015, he led his employer to one of the biggest deals in the Brazilian banking industry. The bank acquired the HSBC Brazilian branch for $5.2 billion. Even as he leaves the post of the president to become the chairman of the bank, no one will forget what Luiz has done for the bank. The ball is now on Octavio de Lazari who is expected to keep up with the pace and even improve the performance of the bank.

Check more about Luiz Carlos Trabuco Cappi: http://www1.folha.uol.com.br/mercado/2017/10/1926243-proximo-presidente-do-bradesco-saira-da-diretoria-do-banco-diz-trabuco.shtml

Alex Pall Explains The Chainsmokers Rise to Fame

The Chainsmokers have exploded onto the EDM scene with their hit song Closer hitting number one on the billboards and holding its spot for 11 weeks. Finally the Chainsmokers sat down for an interview explaining how they attracted such a loyal international fan-base so quickly.

Alex Pall originally was a DJ as a hobby while working at an art gallery. He realized that music was the main focus in his life and decided to quit his job after his manager introduced him to Andrew “Drew” Taggart. Drew was in college at the time interning at Interscope Records; a long time electronic music fan. When they met, Pall invited Drew to join the Chainsmokers.

They would work all day on music: talking about what was working for other successful producers, what music they listened to, and what their identity as an artist should be. They didn’t want to become cookie cutter DJ’s that made the same music as everyone else, and began to explore for a sound that fit them. They chose to reveal themselves to their audience by stepping out from behind the DJ booth to sing their own songs.

When asked why they decided to sing the lyrics themselves, Drew responded by saying “’Well, why not?’ And the real answer for you is because none of these people write the lyrics to their songs.” By being involved in the songwriting, they made the songs their own.

Another decision they made was that they wanted to write vivid thought-provoking lyrics that the audience can relate to. To do this, they started telling the story of their own life. Closer was written about a run-in with an ex-girlfriend while inebriated at a bar, and hooking up despite him knowing everything about her.

The interview wrapped up by asking who The Chainsmokers audience was, and they replied that their core base had spread internationally and was between 16 and 25. They also mentioned that they are reaching a more diverse audience now, with many fans over 30 and under 16, proving that their music can appeal to any age group.

Jose Auriemo Neto: Leading the JHSF Participacoes

JHSF Participacoes is one of the largest real estate and property developers in Brazil today. The company’s current chief executive officer is Jose Auriemo Neto, who is also a successful businessman who managed to transform their family business into one of the most competitive companies in Brazil today. His leadership marked the golden era of the JHSF Participacoes, and in just a short period, he managed to build a variety of projects all throughout the country. JHSF Participacoes was established in the year 1972 by the grandfather of Jose Auriemo Neto, and after his grandfather stepped down from the position, the leadership was given to Neto. His family well-trusted him, and they have confidence that he will be able to change the company for the better.

Today, JHSF Participacoes is responsible for changing the skyline of Brazil. Many condominiums and other skyscrapers are appearing all throughout the major cities of Brazil, thanks to the projects that are being initiated by the company. JHSF Participacoes once specialized in building luxury properties, but they decided to shift to other construction works to reach more clients. Jose Auriemo Neto is also responsible for the company’s venture into the retail industry. The company is valued today at $1.2 billion, and because of his effective leadership skills, the stock market price of JHSF Participacoes keeps on increasing.

Aside from investing in the retail and hotel industry, Jose Auriemo Neto has also invested in the creation of airports, and he partnered with the government to take part in its private-public partnership projects.

Since becoming the chief executive officer of the company in 2003, Jose Auriemo Neto has brought growth and reforms in the company. He is positive that in the future, JHSF Participacoes would grow further. Today, they are now focusing on overseas expansion and building projects abroad.

Rocketship Education- Closing the Education Gap

In Tennessee, the academic results are out, and most schools know how their students performed apart Davidson County where the elementary school needs to wait another one long year to know the performances of their students. It means the elementary school will grade their students according to their proficiency, unlike others based on academic achievement.

The Nashville public schools have introduced another assessment ways of tracking students’ progress known as NWEA-Measures of Academic Progress (MAP). It shows individual growth during the academic year. Proficiency scores also tell of the student grade level but only on specific time of academic year. Growth scores also known as value-added scores shows the student the acquired knowledge within a period regardless of their starting point. More than 7400 public schools participate in MAP assessment throughout the world.

Rocketship Public Schools have adopted the MAP assessment since they started their first school since they believe growth is essential to all students and especially to those from economically disadvantaged backgrounds. The school has tried to close the gap and give a fair playing field regardless of the economic environment.

The student on the national standardized test and achieve 10th percentile needs the addition of 1.3 percent growth each other year from elementary school to high school to reach college. Achievement of gap-closing growth needs a commitment from teachers and students which require frequent monitoring of student using benchmark assessment tool like a MAP. The parents need to pay attention to their children MAP growth scores. It helps them to learn their weaknesses and their most potent points and become their advocate

Rocketship serves low-income communities, and it’s a public elementary charter of national non-profit network schools. The schools were founded in 2006 with a mission to eliminate education achievement gap. It uses the scalable building and sustainable school models to propel their students achieve the higher growth with the core of teacher-led and technology instructional model supported by personalized learning approach. The approach matches the student with the right learning content according to their education level hence bringing out the student ability to succeed.