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Financial Services Review: Specials Magazine
Healthy working capital is integral for enhancing financial resilience and operational excellence in businesses. While avenues like bank loans, venture capital, and personal assets remain reliable choices for entrepreneurs and business leaders, the inherent approval complexities pertaining to these traditional methods present challenges during critical times. In the prevailing environment of inflation and escalating interest rates, the resultant lack of financial agility equates to missed opportunities, putting businesses in a tough spot. Corporate credit cards can serve as an alternative, versatile tool for businesses seeking to improve their finances without reducing cash reserves. As Ingemar Sjögren, CFO of Billhop, says, “Pivoting to card-based transactions is an effective way for companies to smooth out cash flow irregularities, gain process efficiencies, and improve working capital. Organizations can make their B2B value chains flexible and resilient, ensuring a seamless day-to-day operation while benefitting suppliers.” Billhop, an industry-leading payment service and solution provider, is set on revolutionizing the way businesses pay one another in the European Economic Area (EEA). At its core, the company focuses on helping enterprise clients pay their various operating expenses through credit card transactions. Billhop’s strategic partnerships with premium financial service providers and banking partners across Europe allow it to go beyond the confines of a typical payment services provider and bring a new paradigm to business transactions. From managing strategic spending to paying onetime, low-value suppliers without onboarding them, it covers all avenues of payment across the procurement spectrum. The immense benefits are rendered through Billhop’s Working Capital and Tail Spend solutions. Unleashing the Full Potential of Commercial Cards Organizations opting for a card from Billhop’s networks can customize their credit card benefits to suit their business operation. From bespoke credit facilities and payment terms to setting up transaction authorizations, clients can retain complete control over their accounts payable spending. They can also make deferred payments for up to several weeks (offered by the issuer of the credit card).
Investment Management
While expressing her thoughts about the present-day investment market, Dina Fliss, president and chief investment strategist of Global View Capital Management (GVCM), elucidates the quote by Albert Einstein. Beginning her career in the financial industry at 24, Dina has evolved into a prescient entrepreneur with overarching knowledge about the volatile investment market. Looking at the increasing volatility and risk in the financial investment market, Dina Fliss believes that the buy-and-hold strategy of assets is an emotional whipsaw for the clients. To prevent investors from experiencing a roller coaster ride in the financial trading and investment arena, GVCM, an SEC registered investment advisory firm, provides diversified financial services, such as investment advisory, insurance, financial planning, business development, and global asset management, and offers active downside protection to clients in severe market declines. “We’re fiduciaries acting in the best interest of our clients and provide unique investment management strategies,” says Fliss. GVCM’s independent financial advisors interact with clients to offer tactical asset allocation or investment management solutions. From a customer’s point of view, GVCM charts out a comprehensive financial plan with the client based on various factors, including financial goals, debt condition, and cash flow. After registering clients’ accounts on their award-winning fintech platform, which integrates leading tech-based innovations into one single ecosystem, GVCM actively monitors and manages them daily to ensure every client is benefitted. This platform provides advisors 24/7 access to financial plans from any device to be altered, compared, and viewed in real-time. By combining proprietary algorithms and advanced portfolio construction, GVCM delivers a smarter form of diversification, focusing on downside protection. The right blend of the platform and its advisors helps clients adapt to multi-dimensional forces operating in the globalized investment market and minimize the impact of black swan events that prove destructive for portfolios. At GVCM, clients enjoy a personalized approach to uncovering their financial solutions aligning with their financial goals and dreams. For instance, GVCM is still associated with a client who came to seek investment advice from the firm at the age of 25. GVCM educated its client in financial management and encouraged his growth from being an employee to becoming a firm’s business partner. When the client’s business partner passed away, GVCM helped him consolidate the business by buying a company share for the partner’s widow.
Investment Advisor
With unmatched financial expertise at its helm and the ability to offer highly customized portfolio management solutions, New Jersey-based Advisors Capital Management (ACM) is on a mission to help investors develop portfolios that perfectly align with their unique financial objectives and risk tolerance. “We follow a disciplined approach and vetted process to choose investments that enable clients to reach their investment objectives within their risk tolerance in a tax-efficient portfolio,” says Dr. Charles Lieberman, chief investment officer at ACM. Founded in 1998, ACM’s top management includes veterans from the U.S. financial arena, including Dr. Lieberman, former Chief Economist at Chase, and former chairman of the U.S. Federal Reserve, Dr. Alan Greenspan, who is currently working as the company’s senior economic advisor. This expertise, along with ACM’s broad network of business development partners across multiple sectors, has enabled the company to become a go-to partner for intelligent investment portfolio management. Further discussing the core competencies of ACM’s approach, Dr. Lieberman elaborates how every client engagement begins with an advisor meeting to ascertain the client’s investment objectives and income needs. “Based on whether a client wants to grow their portfolio or produce income, we construct a portfolio that accurately meets their needs while offering them alternative ways to invest their funds effectively,” explains Dr. Lieberman. ACM has a set of pre-built portfolio strategies that satisfy different client needs, whether to grow aggressively, protect their assets, gain consistent income or other objectives. According to Dr. Lieberman, a risky approach that many investors consider is that a diversified portfolio guarantees longterm income. If an investor’s strategy to produce income is to sell off securities regularly over time, they are bound to face sequenceof- returns problems when the market experiences a steep decline. To overcome this risk, ACM constructs a portfolio of income-yielding assets to enable the client to have reliable, recurring income without the risk of selling off assets at low prices after a sharp market decline. “If a client has limited capital supply, we can currently offer them a portfolio that has a yield of five and a half percent to generate enough income to meet their needs. If the income produced exceeds their needs, then we reallocate some of their funds into growth and give them a perfect blend of best-suited securities to meet their multiple personal objectives,” adds Dr. Lieberman. “If clients don’t need income, or need less than their portfolio can produce, we structure their account more towards growth.”
CXO INSIGHTS
Fighting Fraud is a Combination of Effective Preventive Systems, Use of Skillful Staff and Employee Awareness
Kim Siren, Head of Fraud Management, OP Financial Group
The role of the Chief Financial Officer and the integrated reporting system in light of the new European "directive as regards corporate sustainability reporting (CSRD)
Sergio Fagioli, Head of Administration & Accounting, illimity
Technology in Financial Innovation
Luísa Marques, Head Of Accounting, Banco Montepio
Insights into Investment Management
Sébastien Hoepffner, Investment Manager / Reponsable Développement at Bouygues Immobilier
Bringing Subscription Models to the Financial Industry
Ioannis Roussos, Head Of Deposit Investment Products and Transactional Banking, Eurobank
IN FOCUS
Understanding Working Capital: A Key Component of Financial Management
Working capital is a crucial aspect of financial management for businesses. This article explores its significance
Embracing Sustainable Growth Strategies In Capital Management
The year 2024 presents a complex picture for corporate capital management. Rising bankruptcy filings across the continent and slowing credit growth and inflation are testing the resilience of capital
EDITORIAL
Capitalizing on Change: Effective Capital Management in 2024
Effective capital management is paramount in the swiftly evolving financial landscape of today. The ascent of sustainable and ESG (Environmental, Social, and Governance) investing necessitates a recalibration of approaches. This shift represents a fundamental transformation in businesses' perspectives and approaches toward investments. Integrating technological advancements will streamline operations, enhance risk management, and uncover new investment opportunities. However, capital managers face challenges such as data privacy and security concerns, talent acquisition and retention, and the ethical implications of automated decisionmaking processes. Geopolitical uncertainties in 2024 add a layer of complexity for capital managers. Staying informed and adept at navigating political tensions and trade disputes is crucial, as these events can have far-reaching implications for investment strategies and portfolio performance. Additionally, regulatory changes, such as financial reporting standards, tax laws, and market regulations, require swift adaptation and compliance. Capital managers must remain vigilant, seizing opportunities while mitigating risks in a landscape that demands constant adaptability. Capital management is at the intersection of conscious decision-making, technological innovation, and geopolitical agility. Businesses that recognize and navigate these challenges and opportunities will survive and thrive in this dynamic financial landscape. Capital managers must proactively embrace change, leverage technology, and integrate sustainability into their core strategies to ensure long-term success in the constantly changing global market. In the latest edition of Financial Services Review, we feature the top Capital Management Company, Billhop in Europe 2024. Leading capital management firms are critical in aiding businesses in structuring, implementing, and overseeing effective financial strategies. The magazine highlights thoughts and industry insights from expert leaders like Osman Agirbas, Managing Director, Digital Products & Technology, Interhyp Group and Nikolay Stoichkov, Head of Strategic Risk Management, First Investment Bank. These esteemed individuals leverage strategic capital management to optimize resources, drive innovation, and ensure sustainable growth in their respective domains. We believe these insights shared by these accomplished professionals will empower you to make informed decisions for your business. Let us know your thoughts.
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