All five heading levels also use title case. Title case is used for titles of works mentioned in the body of your paper, and for the names of journals in your reference list. Title case = all significant words, usually those with 4+ letters, must be capitalized.Use past or present perfect tense (e.g., researchers have shown) for a literature review and description, and past tense when referring to results and experiments previously conducted.Avoid poetic or figurative language scientific writing is the most appropriate for APA.Use active voice, rather than passive voice (PDF).Plagiarism series – Video #4 of 4: Proactive and foolproof steps to avoid plagiarism.Plagiarism series – Video #3 of 4: The three kinds of plagiarism.Plagiarism series – Video #2 of 4: How and when to cite your sources.Plagiarism series – Video #1 of 4: Introduction: How often can students quote other sources? – Liberty University.Choosing Appropriate Resources for Academic Papers (PDF).Sample Annotated Bibliography for Graduate/Doctoral Students.Sample Annotated Bibliography for Undergraduate Students (PDF).References Comparisons Between APA-6 and APA-7 (PDF).Comparison Chart of APA-6 and APA-7 (PDF).Broad Overview of the Changes Between APA-6 and APA-7 (PDF).APA-7 References to Legal Materials – Bluebook (PDF).Comprehensive APA-7 Reference List (PDF).Abstract required (unless otherwise specified in instructions)ĭetailed sample APA-7 paper with visual aids and indexed by topic for Graduate & Doctoral Students (PDF)ĪPA-7 template for Graduate & Doctoral Students (DOTM).Running head required (same on all pages).Will follow APA-7’s “Professional Version”.In the following example, Mutant Enemy is the primary production company, and “Hush” was released in 1999. ![]() If you’re unsure about which date to use, go with the date of the source’s original publication. When the source has more than one date, it is sufficient to use the date that is most relevant to your writing. For example, a television series might have aired on a broadcast network on one date, but released on Netflix on a different date. The same source may have been published on more than one date, such as an online version of an original source. Note : The publisher’s name need not be included in the following sources: periodicals, works published by their author or editor, websites whose titles are the same name as their publisher, websites that make works available but do not actually publish them (such as YouTube, WordPress, or JSTOR). Deedle-Dee Productions and Universal Media Studios, 2015. End this element with a period.ĭaniels, Greg and Michael Schur, creators. Authorīegin the entry with the author’s last name, followed by a comma and the rest of the name, as presented in the work. In the current version, punctuation is simpler (only commas and periods separate the elements), and information about the source is kept to the basics. Earlier editions of the handbook included the place of publication and required different punctuation (such as journal editions in parentheses and colons after issue numbers) depending on the type of source. In your citation, the elements should be listed in the following order:Įach element should be followed by the corresponding punctuation mark shown above. These are the general pieces of information that MLA suggests including in each Works Cited entry. When deciding how to cite your source, start by consulting the list of core elements. Once you are familiar with the method, you can use it to document any type of source, for any type of paper, in any field. This gives writers a flexible method that is near-universally applicable. While the handbook still describes how to cite sources, it is organized according to the process of documentation, rather than by the sources themselves. Thus, the current system is based on a few guiding principles, rather than an extensive list of specific rules. Since texts have become increasingly digital, and the same document may often be found in several different sources, following a set of rigid rules no longer suffices. ![]() MLA is a style of documentation that may be applied to many different types of writing. Creating a Works Cited list using the ninth edition See also our MLA vidcast series on the Purdue OWL YouTube Channel. Please use the example at the bottom of this page to cite the Purdue OWL in MLA. The following overview should help you better understand how to cite sources using MLA 9 th edition, including how to format the Works Cited page and in-text citations. ![]() This resource, updated to reflect the MLA Handbook (9 th ed.), offers examples for the general format of MLA research papers, in-text citations, endnotes/footnotes, and the Works Cited page. MLA (Modern Language Association) style is most commonly used to write papers and cite sources within the liberal arts and humanities.
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The site does offer limited communication through comments, voting, and forums, but its most distinctive attribute by far is its navigation system. The web service allows users to create animated GIFs by compiling and layering “stamps” into collages, adding to the website’s massive collection of clipart, icons, and digital stickers. As an avid Blingee adopter, she has explored the site as a tool, subject, and community base. Lialina has long credited the popular graphics generator,, as an important piece of modern digital folklore. The principle of these was to take a static image-photo or graphic-and decorate it with all sorts of glittering-sparkling “stamps,” from stardust to rotating necklaces. With the new millennium came new GIFs, glittering and blinging graphics created with new tools called glitter graphics generators. The figures or objects were in constant action-running, dancing, rotating around the sun, or working on an endless construction. No matter how funny and unprofessional early animated GIFs appeared, they were animated. In a 2010 blog post titled All That Glitters, Olia Lialina discusses the transition from the early animated GIF to the glittering GIF of the new millennium: The collaboration resulted in a collection of three works, presented as part of First Look, the ongoing series of digital projects co-curated and co-presented by Rhizome and the New Museum. After that the sparkle is shining a bit more.As part of their contribution to Seven on Seven 2017, Olia Lialina and Mike Tyka took a closer look at a modern digital folklore legend:. Move the duplicate below the original sparkle layer. Set layers mode of the duplicate to “soft edges” Tip #2: If you want to refine the sparkle effect: Please don’t use too much of it or you’ll lose the effect! You can apply that sparkle to almost everything. You’ll get a more appealing look if the sparkle is not always the same size. Tip: While applying the glitter also change the size of the brush using the brush scale option in the tool prerferences. Press at different places in the picture preferably at bright/highlighted areas. If not please choose it from the dropdown where you can assign the brush. The “Glitter” brush should be active automatically. SPACING is not important for us in this case because we only apply a single sparkle at a time. I use ~75 – thats a good value for most objects. ![]() The radius depends on the size of object you want the glitter to be on. Open the brush dialog: Window / Dockable Dialogs / Brushes or simply press SHIFT+CTRL+B.Ĭlick “New Brush” at the bottom of the dialog – name it “Glitter”. We’ll need to create a special brush ourselves. I’m using a cocktail glass photo in this tutorial. That could be text, a photo or something else. Open up any image that you want sparkle on. It is pretty easy in GIMP to accomplish this effect - you only have to know how you do it ) Tutorial details think about a dishwasher commercial where the glasses sparkle in an extreme way after the washing. Motivation You all know these exaggerated advertisments where objects glitter very clearly. But if you don't want to cost any money and are looking for some free but not powerful enough video editors to composite green screen footage, we've researched and picked some free green screen software for windows and mac briefly. Top Free Green Screen Video Editing Software Īs we said, the Filmora video editor is a good choice for green screen video compositing. ![]() Now download this software and try to make your green screen video now! To learn more, please visit Wondershare Video Community. If you're looking for some Green Screen Background Resources, you can visit the Filmora Effects Store Filmstock and get free green background footage. How to make and use a Green Screen to learn more details. It is easy to make a green screen video with the steps above. You can also adjust offset, tolerance, and edge feather to make it better. Use the eyedropper tool to pick up your background color. Apply the green screen effect: Click the Chroma Key tab. Then video editing panel will appear at the top.Ģ. Highlight the green screen clip, and then double-click on the green screen clip in the timeline. Then place the videos on the video timeline and green screen video/image on the other timeline. Import clips: You must import the green screen background video or image and your main videos. How to composite green screen video in Filmora video editorġ. Besides, you can continue to edit the archived project on either Windows or Mac PC since Filmora is cross-compatible now. You can download Filmora green screen video editing software on Windows and Mac computers. You can also combine a green screen with free video effects to make your video more impressive. As one of the best video editors with Chroma key features for beginners, you are making a video with a green screen is easy. This professional high quality movie creator has Blackmagic Design support for input and preview monitoring, hardware acceleration, it works with huge amount of video/audio codecs and formats (full list from the FFMPEG project - including MP4, MKV, AVI, WEBM, VOB, TS, H265 / HEVC 4K etc.If you are looking for a more powerful green screen video editor, we recommend trying Wondershare Filmora. ![]() Also it has functions of joiner, cutter and converter. Shotcut is easy-to-use video editing tool that allows to quickly apply different effects to your videos: blur, brightness, rotate, trim, timelapse, uptodown, resize, crop, pan and zoom, picture in picture, delete selection, layers, green screen, vintage effects, chroma key, add text/subtitles, title templates, add graphics for memes, mix with music, voice over. Manual (how to use for beginners) is available online: click here to read. Commercial use is possible without any additional payments. You can get full Shotcut program absolutely free of charge, gratis, no activation key is required, no registration, there's no hidden fees, no any watermarks, no ads, no keygen and other unnecessary stuff. It is open source program (like GIMP, VLC, Audacity), and is similar to iMovie, Premiere Pro, VSDC, ZS4 etc. So, if you have macbook/laptop/desktop computer (in addition to iPhone or Android devices), then you must certainly try this app for your vlog. This is essential free Mac/PC software for youtube channel. Shotcut video editor is used by youtubers, vloggers to capture video with webcam, produce HD multimedia content (4K resolutions), and upload to youtube. However, Shotcut is the most powerful video editing software among other projects, because it was developed by the original creator of the engine. ![]() The engine is called MLT - it can be found inside many video editors. The company provides professional services for Dekkolux, Leuphana University, Ushodaya, C4IP, ConnecTV, and invented a special engine for non-linear video editors and playout servers. Portable version is also available online for download. The software works on Windows 10 and Windows 7, Apple macOS (10.10+), Ubuntu (16.04+), Linux Mint. You can download this program from the official web site: It is really free software app, output video has no watermarks. Free Video Editing software for Windows (NO WATERMARK) By avoiding this bridge, communication is streamlined and related problems that can occur in app development are avoided. The difference, as you can see in the diagram, is that when developing apps in Flutter the source code compiles to native code from the first moment, so a communication bridge is not necessary as in the case of React Native and other languages cross-platform. Where is the “bridge” in Flutter? What is most striking about the architecture of these apps is that the Flutter source code is written with Dart, as we explained at the beginning of the post, and is based on reactive programming such as React Native. To better understand some of the features that we are going to mention, let’s see how developing apps in Flutter works compared to a native application (developed with the programming languages recommended by Apple and Google) and another developed in React Native (framework created by Facebook for the development of multiplatform applications). We will talk here about the advantages of using this framework in app development, as well as the peculiarities that distinguish it from other multiplatform developments. Particularities of developing apps in Flutterįlutter, created by Google in 2017, provides near-native performance to mobile applications for iOS and Android with the development of a common codebase. STACK OVERFLOW: desirability thermometer The Stack Overflow survey 2019 elevates Flutter to the podium of most loved frameworks. The question that LinkedIn asks is: which one to learn then? In order to answer this question, LinkedIn uses its own data to publicize the fastest growing skills among developers and in this case Flutter takes the cake! Every year new programs come out to transform the market and mobile developers must adapt. ![]() This LinkedIn report shows how Flutter is the fastest growing technology among software developers. Google Ads App: alerts and notifications in real time. Ionic around the world : 35.654 members | 67 groupsīIG PROJECTS : trust thermometer Alibaba uses Flutter to build the app Xianyu with more than 50 millions users. MEETUP: interest thermometer Flutter around the world : 102.187 members | 234 groups Here we are going to use some thermometers that we think measure quite well the expectations and confidence that Flutter generates among companies and software developers: Flutter begins to position itself as the reference of a cross-platform development that has the motto “write once, run anywhere” (WORA) created in 1995 to illustrate the benefits of Java.įor the development of apps in Flutter we use the Dart programming language, developed in 2011 by Google with the idea of becoming a substitute for Javascript, which has been implementing things that already existed in Dart in the latest versions. The pull to refresh feature is needed for the almost list screen, so if you remember it well, it will be great helpful to implement it.Do you know why developing apps in Flutter is so special?īefore starting to talk about the features and advantages of this new framework, let me start with a little information about what Flutter is and why it has sparked this furor in the digital world that does not leave the developer community neither the digital-based businesses indifferent.įlutter is an open source framework (provides a scheme or pattern for the development of an app), created by Google to develop applications for iOS and Android smartphones. ![]() Completedĭone! we’ve seen how to use the RefreshIndicator widget to implement the pull to refresh. Also, you can implement the empty screen with the LayoutBuilder widget for the full screen when there is no data.Īfter modifying the code, you can see the screen like the following.Īnd then, when you pull the list, you can see the refresh icon.Īnd after releasing it, you can see the screen that the data is added on it. If you implement the SingleChildScrollView widget with the AlwaysScrollableScrollPhysics option, you can always scroll the screen regardless of the content size. ![]() LayoutBuilder ( builder: ( context, constraints ), ) ![]() Select your new wallpaper to enter Preview mode.Tap the type of wallpaper you would like to use Founded in 2010, Muriva have rapidly expanded their production to quickly become one of the UK’s fastest growing brands.You can choose from Apple's stock imagery, or your own library. Launch the Settings app from your iPhone or iPad Home screen.Choose whether you want to set the wallpaper for your Home screen, Lock screen or both Home and lock.Adjust the positioning and size and then tap Set as wallpaper on the upper left corner of your screen.Choose from the collections of wallpapers included with your phone, or from your photos.Tap the wallpapers icon on the bottom left of your screen. Fashion Library Bookcase Wallpaper Gold 139503 Ivory Cream/Brown J43027 Photo Bookcase Bookshelf Library Muriva Wallpaper Sale Muriva 102503 12.If you don't see Set Desktop Picture in the shortcut menu, you should see a sub-menu named Services instead. If you're using multiple displays, this changes the wallpaper of your primary display only. For Mac OS Xįrom a Finder window or your desktop, locate the image file that you want to use.Ĭontrol-click (or right-click) the file, then choose Set Desktop Picture from the shortcut menu. Right-click on an empty area on the desktop, select "Properties" in the context menu, select the "Desktop" tabĪnd select an image from the ones listed in the scroll window. (the "Browse" buttons or select an image in the viewer). ![]() Right-click on the desktop, select "Personalization", click on "Desktop Background" and select the menu you want Debona Armando Herringbone lattice Geometric Motif Geo Metallic Vinyl Wallpaper White Gold 2120. Arthouse Distressed Wood Panel Effect Wallpaper In White. Kate Lustre Texture Wallpaper Fawn Muriva 114921 Muriva Reviews. Ikala Tropical Wallpaper Multi Muriva 576204 Muriva Reviews. To select another image stored on your PC, select “Image” Muriva Bluff Embossed Brick Effect White Wallpaper. Fashion Library Bookcase Wallpaper Pink Muriva 139501 Muriva Reviews. MURIVA PINK SPARKLE FASHION LIBRARY BOOKS BOOKSHELF QUALITY WALLPAPER 139501. In any case, you will find yourself in the same place. See more Muriva Fashion Library Bookcase Wallpaper - Pi. You can select “Personalization” in the context menu. Muriva Bookcase Shelves Library Embossed Vinyl 10m Wallpaper F92328.
FedEx ® Collect on Delivery (C.O.D.) is not available to and from extended service areas.ĭelivery by noon in 2 business days for most shipments. ![]() To check on the service area for your shipment, use the Service Area Locator or call 1.800.332.0807. For an explanation of FedEx Express ® Freight service areas and delivery commitment times, see Express Freight Delivery Commitments. Shipments to and from extended service areas may be picked up and/or delivered by a cartage agent. Check transit times.Īvailable throughout all 50 states Hawaii service is to and from the island of Oahu only. for most shipments by noon for many others. To check on the service area for your shipment, use the Service Area Locator or call 1.800.332.0807.ĭangerous Goods (except Class 7 Radioactive materials) Hardened containers (plywood, metal) that are not banded should have an exterior lock or clamp (glue, nails and screws are not sufficient).should be banded to the pallet with either metal strapping or unbreakable plastic straps applied around the box or skid freight on all sides. An Extra Services Charge will be assessed if your shipment does not meet these guidelines: To lessen the possibility of damage or delay, follow these packaging guidelines when preparing your express freight shipment. Book space using FedEx Ship Manager ® at or by calling 1.800.332.0807. require prior approval.Īdvance confirmation required. Skids exceeding 70" in height or 119" in length or 80" in width require prior approval. Monday–Friday, with Saturday pickup and delivery available to many major markets for an additional charge. To determine if FedEx First Overnight Freight is available to your destination ZIP code check transit times, use the Service Area Locator or call 1.800.332.0807. Enhanced intra-city service available in select major markets. Have a government-issued photo ID ready when the courier arrives. Go to or call 1.800.399.5999 to request a rate quote or schedule a pickup. For more information on how to start shipping via FedEx SameDay services, read the FedEx SameDay Services User Guide. ![]() Go to and select "Register for " in the New Customer Center area. Then you need to create a user ID that's specific to FedEx SameDay. Skids exceeding 2,200 lbs., as well as skids exceeding 70" in height, 119" in length or 80" in width, require prior approval.īefore shipping via FedEx SameDay ® services, you must have a FedEx account number ( apply now). or more composed of multiple packages or palletized freight. Door to door within hours, depending on availability.įor shipments of 151 lbs. ![]() Overall, I still love the AirPods Max and kind of wish I still had them.” “Also, I’d like to believe I made the decision on my own and wasn’t influenced by the hate I got on the video however, I’d be lying if I said it didn’t make me feel the weight of the money I spent. ![]() “I made a really hard decision to return the AirPods Max for the Bose QuietComfort headphones mainly because I really wanted to be able to work out in the headphones and the AirPods Max just aren’t great for that,” she says. Benda mentions that she ultimately returned her own pair. After spending eight to nine hours with my AirPods Pros in my ears, I noticed how sore my ear canals would get and sometimes even scabbing.”Įvery product has its setbacks, and a major one for Apple’s AirPods Max is the hefty price tag, which starts at $549. I am big into listening to music and podcasts when I am working, sometimes I don’t even have anything playing, I just use the headphones for the noise canceling aspect so I can focus. “I was inspired to buy a pair of over-the-ear headphones because my ears were suffering from the AirPods that I found myself wearing all day. I absolutely hate wired headphones - I find them annoying and very inconvenient to wear, especially when they get tangled,” explains Gaskin. “They’re wireless and noise-canceling, which are two vital things I look for in my headphones. She purchased a pair of Sony headphones from Best Buy during a Black Friday sale. “But I just thought ‘That’s exactly what I was going for anyway!’”Īlexis Gaskin, a 23-year-old freelance writer, tells NYLON that she’s leaning into the over-the-ear headphone trend for the sake of comfort and convenience. “It was really funny to me that the video got a lot of hate, most notably people saying they looked like earmuffs,” recalls Benda. After she posted her now-viral video about the AirPods Max, many people were opposed to it. ![]() “I think they are so flattering and cute and are a great way to bring the recent earmuffs trend from winter into the warmer months.”īut Benda’s new chunky headset apparently had her followers and viewers divided. “I wanted to buy chunky headphones after seeing a lot of other students wearing them on campus as well as some people on TikTok, like Ruby Lyn,” says Benda. Taylor Benda, an 18-year-old fashion business management student at the Fashion Institute of Technology, tells NYLON that she was initially inspired by her college peers to purchase her own pair. The Apple AirPods Max has grabbed quite the attention online with over 131 million views on TikTok alone. In simple terms, it’s like a BBL but for your ears. Wearers have also taken to personalizing their own pairs with stickers and other decorations. (No wind or background noise should get in the way of your next call.)įor the aesthetically minded, the AirPods Max’s squishy ear cushions (made from memory foam and wrapped in a soft mesh material) attached to sleek shells come in five colors, including space gray (black), silver, sky blue, green, and pink. It also has active noise cancellation or transparency mode (like its AirPods Pro counterpart), and its mic feature is much more advanced, allowing to pick up (and isolate) your voice so it’s loud and clear to the listener. The wireless headset’s “digital crown,” a rotating button, can play or skip audio, manage volume levels, answer or end phone calls, and activate Apple’s virtual assistant Siri. Compared with its well-known ear-bud AirPods, Apple’s AirPods Max version claims to provide a more elevated listening experience. JBIG2 compression of Black and White images directly through the printer driver.Free Download Amyuni PDF Suite 6.0.4.1 Full Version - Latest Offline Installer - Modify, annotate, merge, and print PDF. Microsoft WQHL certified for Windows 10, 32 and 64-bit versions. View Full Features List > Download the 30-day Evaluation ActiveX > Purchase Now > New in PDF Converter v6.5. Check our full list of features to discover the full capabilities of PDF Suite 5.5. Without unnecessary or complicated options, you can spend more time converting documents and less time configuring software. PDF Suite Developer Pro - For Activex v6.5.2.1. Added the ability to do direct Postscript to PDF conversion without the use of a printer driver The Amyuni PDF Converter’s simple interface enables you to quickly convert documents to PDF.4D PDF Plugin The 4D PDF Plugin enables 4D developers to interface very easily with the Amyuni PDF Converter. Holders of current version without maintenance are entitled to unlimited downloads of minor releases. Fully redesigned Postscript parser improves the speed and accuracy of Postscript and EPS conversion A file will be generated for you which you can transmit over the Intranet, Internet or view with the Amyuni PDF Creator or the free Adobe Acrobat® Reader.Microsoft certified Windows 7 and Windows 8 PDF printer.Windows 8 Ready: Now available for Microsoft Windows 8 and 8.1. Professional PDF Management: Insert hyperlinks and bookmarks, combine multiple documents into one PDF file, and email documents directly with saving to disk. Instead of printing to your standard printer, just select the Amyuni printer. Automatic Set-Up: An automatic installation software is provided for an even easier installation. High-Performance: Create accurate and reliable PDF documents in a fraction of the time needed with other tools. It can be installed on your system like any standard printer. Several Improvements to Rendering Speed and Accuracy for All Libraries. Enhanced PDF Security with PDF 2.0 Rev 6 Password Protection. Word Processing Software & Text EditorsĪmyuni PDF Converter is a virtual printer driver that allows you to create a PDF document from any application running under Windows operating systems. Alle Produkte wurden mit der Version 6.5 unserer PDF-Bibliotheken aktualisiert. ![]() You can check your bags at the airport through their self-tagging machines(kiosks) and begin your journey. Each customer in the booking can take these two bags for free, provided that the weight and size are according to the airline’s requirements. The Southwest Airlines checked baggage allowance permits two bags without any charges. ![]() You need to check your things when you have more than just a small bag and personal items. Personal Item’s Size Limits: The Southwest Airlines Baggage Policy says that if the personal item is within the dimensions 16.25” x 13.5” x 8” and fits under your seat, you can take it onboard. No such direct weight limit is discussed on the Southwest website, so you can contact an expert for more details. The size of the bag can not exceed 24”+ 16”+10”, and if it’s bigger, you need to check it in. Remember that carry-on baggage has a specific weight requirement that you must fulfill for the airlines to allow your bags on their flights.īag Weight and Size Requirements: Your carry-on bag must be under the Southwest Airlines baggage weight and size restrictions. You can bring a small backpack, purse, laptop bag, roller bag, small suitcases, etc., as carry-on. The bag storage is in the overhead bin, and your small belongings can fit beneath your seat. As per Southwest Airlines luggage policy, passengers can carry one bag and one personal item onboard. Now, let’s continue into the details of taking luggage along on flights: Southwest Carry-on AllowanceĬarry-on bags are free on most airlines(with some exceptions). Flying with this airline simply means no hidden charges on luggage. The Baggage policies for Southwest airlines allow the first two checked bags free of cost if someone takes extra bags, that fee is minimal too. Southwest is known to have the cheapest options when it comes to baggage allowance. How Much Luggage Can I Take On A Southwest Flight? Don’t worry if your luggage exceeds the limit the airline still has some options for you! Let’s have a look. So, if you folks wanna take luggage with you on Southwest flights, it’s time you take a closer look at their baggage allowance policy. The airline allows you to take two checked bags free of cost if they are under the satiated limit. ![]() According to the Southwest Airlines Baggage policy, no matter which cabin your ticket is for your bags will fly for free. Southwest Airlines Baggage Policy- How much can you take onboard? Fee?įlying with Southwest and having some luggage on you? Worried about the baggage fee or charges, passengers fear taking anything additional with them, but with Southwest, it’s not that scary. ![]() The company’s embedded lending technology allows SMBs and their CFOs to access loans through platforms that include accountancy software apps and access to neobanks.įinance and insurance firms have more options than ever to modernize their business processes. Small business loans have become harder and more expensive in the United Kingdom. and Germany, embedded lending firm iwoca in February raised new finance to meet rising demand after the number of SMBs it funded grew by 54% in 2022, representing 15,429 customers. KLYM’s strategic alliance with JPMorgan enables it to handle 25 currencies. The firm offers receivables finance and other working capital after approving a borrower’s invoices, tax forms and other data. Focused on providing working capital to small and medium-sized businesses (SMBs), KLYM plans to use the funds to expand in Brazil, Chile and Colombia, as well as start in Mexico. In January, Columbian FinTech KLYM reported raising $27 million to expand its offerings in Latin America. Overseas, smaller partners have met the calls of CFOs by entering the working capital facilitation space. The technology allows a small business paying a vendor bill to use the credit card of its choice while simultaneously ensuring the vendor is paid via wire transfer or ACH. ![]() Plastiq’s embedded finance model helps enable an all-in-one bill pay solution offering working capital through short-term financing. In September, Payoneer hired industry veteran Assaf Ronen as the company’s first chief platform officer to lead its division integrating Payoneer’s technology into high-value service offerings, including B2B accounts payable, accounts receivable and working capital.Īnother major payments player, Plastiq, has been fine-tuning its offerings to ensure that the digital tools aimed at large firms can be utilized by smaller businesses’ CFOs as well. The report’s research further found that of sector businesses that had already modernized, 73% said their working capital and credit systems improved from digital technology investments.įinance and insurance firms seeking to modernize without the in-house resources of major competitors may instead tap the many partner and platform options to meet their needs. Nearly two-thirds of finance and insurance firms say they are investing or plan to invest in modernized working capital and credit, second only to fraud prevention and risk management. One of the systems cited as a priority is working capital, the funds necessary to conduct day-to-day business. The February PYMNTS collaboration with Corcentric, “ Digital Payments: A Changing Economy Sparks New Priorities for Systems Spending ,” reveals the systems that are modernization priorities for surveyed CFOs in finance and insurance, along with other select industries. Strategies include methods toward remote workforce optimization, moving certain legacy systems to the cloud and automation of formally manual tasks. Tailoring their spending to meet the new “new normal” of economic uncertainty and ongoing digital adoption, CFOs are seeking to modernize business processes and reduce operating costs. Forward-looking firms that had previously pivoted to accommodate sudden shifts brought on by the pandemic just a few years back are rethinking their tech investment budgets. |
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