Finance

As lawmakers in Washington work on their massive new proposal—cheekily dubbed the “One, Big, Beautiful Bill”—state legislators across the country are paying close attention. Why? Because what happens at the federal level, especially in terms of taxes and spending, could have a big impact on state budgets. Take, for example, a proposed new deduction for […]

In today’s high-speed commodity trade finance world, digital innovation is completely turning the page. It’s unlocking the keys to faster processes, greater levels of transparency, and more savvy methods for dealing with risk. As we step into this new reality, it’s critical to understand just how transformative emerging technologies can be in redefining how we do business in the commodities space. Over the past month at Efides.io, we’ve had the chance to talk with many of our customers—and a common theme has come through loud and clear: collaboration is key. In

Commercial loan refinancing is a valid choice for Australian business owners who want to recreate their financial situation. Whether you want to secure an improved interest rate, improved cash flow, or debt reduction, the timing of refinancing needs to be accurate. This guide will explain the issue to provide you with desperately needed guidance and

Obtaining the right form of finance will enable your company to expand, innovate, and prosper in the Australian business environment. As a start-up with plans or already trading and having vision, the right form of funding is required in order to allow further trading and growth. Two of the most well-known forms of funding are asset finance and business loans, with particular uses depending on your business requirements. While a business loan provides you with funding flexibility in general, equipment-based finance provides you with the ability to purchase needed equipment or vehicles without disrupting your cash flow. Probiz finance experts will help you weigh a business loan vs. asset finance to identify which financing instrument best suits your needs. In this blog, we discuss the advantages and disadvantages of a business

The U.S. Regulatory Approach Unlike the EU, UK, and APAC, however, an OR regime or standards development is less prescriptive in the U.S. To date, efforts at OR have manifested in the guise of advisories or interagency coordination but not rules and regulations. It has specifically come from the Cybersecurity & Infrastructure Security Agency (CISA),

Being a leader in digital payments and digital finance needs to be at the top of the agenda for Europe. As Mario Draghi highlighted in his latest report, the productivity gap between the United States and the European Union is largely accounted for by technology and finance.[1] If we exclude the information and communications technology

What is the role of a country’s financial system? Introduction The manner in which companies conduct their debt policies has historically been researched after two primary theoretical models. On the one hand, based on the trade-off theory, companies are looking for an optimal debt/equity ratio (e.g. Kraus & Litzenberger, 1973). With this theory, companies with

Back in 2008, the world was hit by the worst financial crisis since the Great Depression. Big financial institutions, confident they were “too big to fail,” took reckless risks. They believed that if things went south, governments—and ultimately taxpayers—would step in to save claiming that loosening the rules will make Europe more competitive. Unfortunately, many

Technology is the heartbeat of any modern company—it powers everything from daily operations to customer experiences and new product ideas. In fact, over a third of mergers and acquisitions happen because one company wants to boost its tech stack. When two businesses come together, merging their IT isn’t just about getting systems to talk to

🤖 What Is AI Washing? Think of AI washing as the tech world’s version of greenwashing. It’s when companies exaggerate, misrepresent, or even invent their use of AI just to look innovative to investors, customers, or regulators. As Ryan Adams and Scott Lesmes from Morrison Foerster pointed out in a recent keynote, the days of