3 Instant Tips For Reducing Waste In Your Business

Some businesses don’t even realize how much waste they’re producing until they start to look for alternative ways of doing things and see the difference they could make. For this reason, more and more businesses are starting to recognize the impact that they have on the environment, and doing their part by reducing waste. 

Reducing the amount that your business creates can have a hugely positive effect on the world and can even reduce your costs in the process. In fact, many companies would be shocked to find that if they were to weigh their waste, that they are wasting more resources than they ever imagined. 

The great news is that it’s never too late to make positive changes in your business and reduce your carbon footprint.  If you’re ready to start making changes and reduce your waste production, then here are some of the best tips for you to consider. 

Take an Inventory  

The first step to making positive changes is to assess where your business is at. Take a look around and notice the areas of your business that seem to be producing the most waste. Try to establish where you can make the most positive changes, cut back on materials, or even switch to recyclable products instead. Taking a look around and evaluating what kind of changes can be made is the best way to create a plan

Ditch Bottled Water 

One of the biggest causes of pollution is due to the petroleum used to create plastic water bottles. Not only does drinking bottled water create more waste and damage to the planet, but it’s actually more expensive than tap water.  In many cases, doesn’t taste that much better. 

Rather than providing plastic water bottles for your company, consider making the switch to reusable bottles or glasses. Simply add a filter to your office’s drinking water source, and not only will you significantly reduce the amount of waste that your business produces, but you also cut back on a major expense. 

Ditch Paper  

Depending on what kind of business you have, you may use a considerable amount of paper. While you may not be able to eliminate the use of paper altogether, it’s possible to cut back. Try to find as many opportunities to go digital as possible. You may even want to consider creating a bit of friendly competition. Try to see which business department can cut back on the most amount of measured paper over the course of the month. Whoever wins gets a prize. An incentive can be a great motivating force to make positive changes. 

Rethink Packaging 

In the United States, packaging counts for a huge amount of produced waste. Rethinking the way that your business packages products can cut down on a considerable amount of waste.  Beyond rethinking your own packaging, you may also want to consider only buying from suppliers whose packaging is earth-conscious as well. 

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3 Tips from Shiftsmart to Work Better as a Freelancer

Freelancers and independent contractors work within what is often described as the gig economy, and there is virtually no limit to who can freelance. There are freelance professionals working in every sector from coding and web designing to security and retail these days. Unfortunately, the main problem faced by freelancers is that they have trouble finding gigs on a continuous basis.

This, in turn, makes it difficult for freelancers to enjoy financial stability. On the other hand, those that have learned to work the gig economy to its full extent may disagree. Let’s take a look at some of the tips for working smarter as a part-time and full-time freelancer.

Stay Updated with Shiftsmart Job Alerts

Apps are very helpful for freelancers searching for work opportunities. The Shiftsmart Partner app, for example, has been developed for temp workers to find new jobs relevant to their field of work. Part-timers can moonlight by adding extra shifts to their current work schedule, while full-time freelancers can rely on the app to find a steady stream of temp jobs. Simply open an account in the app to start receiving timely alerts about freelance opportunities that are relevant to you.

Improve Your Resume

The average fast-food worker earns about $9 – $10 per hour in the United States, leaving very little hope for any significant, per-hour pay boost for them in the future. Anyone can add more shifts to supplement their meagre income, but they will still get paid in accordance with their qualifications, experience, and field of work. Even with tips, it can make it hard to earn a living wage.

Therefore, if you can expand your resume to include new skills that are relevant to your present field of work, you should be able to increase both your employability and income potential. Understand that if you really wish to boost your income well beyond the minimum or average wage, you might have to switch careers altogether.

Learn an In-Demand Skill

People can do much better by changing lanes and starting their freelance career on a more profitable route. Next, we have a list of better paid freelance occupations available to people who have an adequate resume to take on the respective roles:

  • Cement Masonry – $15 – $20 per hour.
  • Tool and die maker – $20 – $25 per hour.
  • Audio/video technician – $20 – $25 per hour.
  • Analytics (market research and operations research) – $30 – $50.
  • Mobile application development – $60 – $80+ hour.

If you have any special job skills such as the ones mentioned above, or even just experience in one of the several in-demand sectors, moonlighting can augment your present income quite well. In case you do not have a special set of skills, that is not necessarily the end of the road either. Sure, you will have to take jobs that don’t pay as well, but those low-mid wage jobs actually have a much higher rate of temp openings than the higher-paid ones.

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Josh Melick – Why Three Dimensional SaaS Pricing is So Important

When people discuss just how important technology is in the world today, they are mainly focusing non the improved hardware which has been created, and the important software which knits it all together. In fact without software packages and suites so many businesses would find themselves in difficulties. We use software for HR, accounting, machine management, customer management and thousands of other functions within the world of business.

Whilst the customer understands the importance of this software, author Josh Melick believes that those selling the software are missing a beat when it comes to their pricing structure. Josh’s article on his own personal blog lays this out completely, and teaches us why the three dimensional structure is so important when it comes to these pricing plans.

All-Inclusive

Josh first alludes to the dangers of an all-inclusive sales approach, something which many startups rely on in order to get their product out there as quickly as possible. The reason why this poses a problem is that it is a single sale which all-but closes down the relationship with the customer. This prevents any opportunities for upselling in the future and it also means that they are selling a product which is then not able to generate revenue as business costs rise.

One Dimensional

Most SaaS companies will use a structure which features a number of packages such as bronze, silver and gold option. Each of these packages will be broken down based on features offered, yet so many focus on one dimension as being the differential. Josh talks about how the dimension of usage on its own is simply not enough, and it doesn’t allow for the provider to value its products and their true worth.

Two Dimension

The two dimensional approach is that which follows the same structure yet will offer different plans for each based on usage and number of users. This does bring things closer to an optimum level yet in Josh’s view it still doesn’t quite get the right amount of pricing for the product which is sold.

The Importance of Time

Josh talks about the fact that with one and two dimensions, it becomes much more difficult to raise pricing in order to match the rise in costs for the business to keep offering the product going forward. Price hikes are an essential part of SaaS and this is why Josh discusses the third dimension of time. Buying a software package for a single year, means that the provider is able to slightly adjust the price each year to match costs. This is something which doesn’t put customers off renewing and it is something which enables the provider to offer deals to the customer too. If a 10% increase is optimal, the provider could for example offer an 8% increase only, if the customer upgrades their package.

Ultimately this is the best way for SaaS providers to ensure that they can offer a great product and still get paid well for it.

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What Are Alternative Credit Scoring Models?

If your business offers credit to customers, it’s vital to verify whether a potential customer is likely to be a ‘good’ borrower. To do this, companies typically use credit scoring to assess whether or not to lend to an applicant. Therefore, the credit scoring model you use has a major impact on how many customers are offered credit and, ultimately, the success of your business.

Although companies have traditionally relied on data from credit bureaus to assess an applicant’s creditworthiness, there are now new and innovative ways to determine whether an individual is likely to be a ‘good’ borrower. Read on to learn more about alternative credit scoring models and how to use them…

How Do Alternative Credit Scoring Models Work?

Traditional credit scoring uses a fairly limited range of data to determine a person’s creditworthiness. In contrast, alternative credit scoring models use data from a wider variety of sources. A credit bureau might calculate a person’s credit score based on their banking history, mortgage payments, and wages, for example, but overlook things like mobile payments, rent payments, and/or cryptocurrency payments. By incorporating these elements and other types of data, businesses can obtain a more accurate credit score and make more profitable, low-risk lending decisions.

Essentially, traditionally credit scoring is an outdated way of assessing a person’s creditworthiness. An alternative credit scoring model incorporates the wide variety of factors that make up an individual’s financial situation and, therefore, gives lenders access to the data they truly need when making decisions.

Are More People Approved via Alternative Credit Scoring?

When you use alternative credit scoring models, it can mean that a higher percentage of applicants are approved for credit. However, this doesn’t necessarily equate to organizations taking higher risks. In fact, many alternative credit scoring companies have collated data that shows lenders reducing their losses by switching to this innovative method of credit assessment.

Crucially, alternative credit scoring can ensure that people who would unnecessarily be denied credit due to outdated, traditional methods of credit scoring are no longer overlooked. Someone who rents a property has no direct debits or even no bank accounts would typically find it difficult to obtain credit when traditional credit scoring systems are used, for example. Despite this, they could be a low-risk applicant with outstanding financial management skills.

By using a wider range of data to assess them, an alternative credit scoring model gives the lender a more accurate overview of their viability as a borrower. As a result, lenders can tap into this lucrative target audience while providing borrowing opportunities to individuals who have been historically penalized through no fault of their own.

Incorporating Alternative Credit Scoring into Your Business

If your company is already credit scoring potential customers, switching to an alternative credit scoring model is a simple transition. Whether you develop bespoke software, use a SaaS platform or install a suite of analytics programs, incorporating alternative credit scoring into your business can be simple, straightforward and highly lucrative.

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Best Multifunction Xerox Printers for Business

Running a company, no matter how big or small, necessitates having the best technology available for your daily needs. For certain enterprises, printing is a daily occurrence, so having reliable xerox printers for business is critical. A cost-effective, high-performance printing machine in the office is a must, whether you’re printing marketing documents, client contracts, or a basic meeting agenda. Here are some of the best multifunction xerox printers.

Xerox WorkCentre 6027/NI Multifunction Printer

The multifunctional Xerox 6027 is a lightweight LED printer capable of high-quality copies, scans, and faxing. This model takes things to the next level with the Print Black approach, which is available for free. Its iOS and Android apps connect to Print Black helpers on MAC and PC, allowing users to directly print from their mobile devices. The printer produces high-quality prints, featuring PCL6 drivers that have five quality settings, and the POP and picture options are extremely colorful, according to color output charts.

Xerox WorkCentre 6515/DNI Color Multifunction Printer

It’s difficult to make a multifunctional laser printer look appealing, but Xerox pulled it off with this edition. The lack of clutter and a few curves in the design make it appear smaller than it is, while the blue plastic and cream color set it apart from the rest of the pack. It scans quickly, with previews loading in 11 seconds and an A4 300 dpi page scan taking 25 seconds on average.

Xerox B205NI Multifunction Printer

The B205 comes in at the low to mid-range end of the all-in-one printer market. It’s built for micro-groups or workgroups, and is right in the center of the most recent three-model debut. It features an automatic 40-page document feeder with manual duplexing. When it comes to handling paper, this printer features a capacity for 250-sheets and an override cassette to print one sheet for one-off stickers, envelopes, and other odd-sized media. This printer has a duty cycle of 30,000 images monthly, and a recommended monthly sheet volume of 2500.

Xerox B215DNI Multifunction Printer

The Xerox B215 is ideal for small workgroups since it is optimized for monochrome printing. This printer has several office-friendly features, including online access and low running costs. It has a 40-sheet automatic document feeder (ADF) and a duplexer for two-sided printing. Although the printer is sluggish by Xerox standards, it produces excellent text prints. The main paper cassette has a capacity of 250 sheets, and there is a one-sheet manual feed slot for specialty printing.

Xerox VersaLink B405/DN Monochrome Multifunction Printer

From an IT-free installation to a step-by-step setup, you can rely on this printer to perform the functions that make your business run smoothly from the moment you unpack it. The printer is equipped with time-saving technology and software to help you share data more quickly. Thanks to the printer’s fax and scan preview, it’s now easier to ensure data accuracy. You can also build presets for all of your basic jobs to help you get through your tasks faster.

Are you looking to start a business but aren’t sure which printer is right for you? Xerox offers a variety of multifunctional devices designed specifically for small and medium enterprises and workgroups. Our list includes models that we believe are the best on the market right now, so we’re sure that one of them will meet your requirements.

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accessiBe Outlines 6 Quick Ways to Boost Website Accessibility

Making a website that is accessible to everyone, regardless of disabilities, is extremely important in this day and age. Failure to do so can even lead to costly lawsuits. Nowadays, everything is carried out online and we take for granted being able to order a pizza at the click of a finger. However, people who face barriers to content can’t share this luxury. This inequality is unfair and is what web accessibility guidelines and programs were invented to overcome. Throughout this article, we will let you know how you can help make your website accessible to all.

Create Accessible Web Forms

A lot of websites require us to fill out our information, which can be quite difficult for people who suffer from sight issues. You should ensure that your web forms are clearly labeled, and any vital information is made readable by screen readers. 

There are numerous sets of guidelines that need to be followed to be compliant. If you’d like some help understanding them, then look into accessiBe.  

Be Careful with Colors

No one is telling you not to use colors, why would they? Colors are useful for making content engaging. However, if web developers aren’t conscious of correct color contrast, it can be difficult for those with color blindness to access information. If you want to become a true master, there is a handy google addon called “I want to see like the color blind”. 

Provide Closed Captions for Dynamic Content

Embedding videos and gifs are all the rage, but they can be a difficult barrier for people who rely on screen readers. Whenever you use a video or gif, ensure you include closed captions for the benefit of screen readers. Further, developers can use ARIA to help bridge the gaps when accessibility issues cannot be addressed. 

The same goes for using pictures – ensure you include an Alt Tag for images, for the benefit of screen readers. 

Use an Accessibility Supported CMS

Make the correct choices right from the start. When you are building your website, ensure you use an accessibility-friendly content management system (CMS). Before you begin building, you should be able to see what accessibility standards the CMS conforms to. 

Ensure Keyboard Navigation

Many people suffer from motor problems, which is a huge barrier to web access. With this in mind, you should carry out tests to make sure that your website can be navigated using the tab button and the arrow keys. Further, you should make sure that alternative hardware can be used. 

Have Your Website Validated

Finally, you have to make sure that you have your website validated by putting it through rigorous accessibility testing. If you can prove that you have tested your website, you can contend with potential frivolous lawsuits. 

There a lot more things you can do to make your website accessible, and these are just a handful. Whenever you create content, the best thing to do is find a list of all barriers and put yourself in someone else’s shoes. 

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3 Tips When Your Home is Your Office

Whether you have been working from home for years or this is something new to you, the goal is to be productive.

That said do you feel like working from home is in fact working out for you?

In the event you need to make improvements on your home working situation, it would be wise to review things.

So, what is working and not working for you when your home is your workplace?

Finding Success from Your Home Office

In working out of your home, here are three tips to make things work out better for you:

  1. Make organization a priority – You won’t find much success working at home if organization is an issue. With that in mind, take a look at your setup to see how organized it is. Can you find the items you need on a regular basis to get the job done? This can be not only technology items you need but also paperwork. Having your papers organized is critical to success. The last thing you want to do is having to oftentimes search for missing documents and more. Come up with a system that works for you and allows you to find what you need without any hassle.
  2. Make room to operate – If your home workspace is congested, odds are you could find it hard to get work done. Take a look around to see if you need to make more space for yourself. For example, is your desk always seemingly cluttered? If it is, now would be a good time to do some reorganizing. If you use headphones to talk to clients, do videoconferencing and more, a headphone stand is key. This not only frees up some space on your desk, it will better protect the equipment. Also look at making sure you have space for clients if they come to your home. Along with being organized, you want to be sure clients feel safe and secure in your workplace. If they do not, it could lead to some of them refusing to do business with you moving ahead.
  3. Make the schedule work for you – Some people get the notion that individuals working from home are on a call 24/7. Since you are likely not a doctor where you may well be on call, come up with the right schedule for your needs. Overdoing it can lead to making mistakes; have a negative impact on your health and so on. The key is to work in moderation and know when you need your breaks. When not having to report to an office, warehouse or be out on the road on a regular basis, you have more flexibility. Come up with the schedule that your body and mind adapt to. That schedule still makes you quite productive when all is said and done.

When it comes to working from home, consider it one of the perks of life.

Yes, while you may miss having others around at times, you may in fact be more productive. That is not having all the typical workplace distractions and so on.

So, is working from home working out for you?

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EDI Supply Chain Solutions, What EDI Can Do For Your Business

Supply chain solutions are a critical aspect of making sure that your business maintains great relations with customers and partners. One particular aspect which all companies need to focus on are EDI supply chain solutions, something which we are going to take a deeper look into today. There are many ways in which these technology is able to improve your performance in the supply chain and EDI offers a wide range of benefits for all companies which fall within it. 

Here is exactly how EDI works in the supply chain and what benefits it can offer your business. 

In a Nutshell

In a nutshell EDI technology in the supply chain allows for the fast passage of information via a standardized format. This technology has long been used in industries like shipping, and in a world which is defined by digital and ecommerce channels, it is the ultimate way in which your business can exchange information with others.

What Are The Benefits of EDI Technology in the Supply Chain?

The reason why this technology works so well is because many companies look to use it, and they do so because of the huge range of benefits which it is able to offer:

  • Cost Savings – There are many ways in which your business can save money through the use of  this technology. There are no delays with this kind of technology, your information will be passed on accurately and quickly to your partners. The lack of mistakes thanks to the automation process is also something which is going to save a great deal of money. And finally there are no longer costs in labor or materials which are involved with the sending of information. 
  • Security  – It is critical that we are able to maintain the security of sensitive information when sending and this is exactly what EDI technology is able to do. EDI solutions are actually designed with this in mind and only authorized users will be able to transfer information. 
  • Speed and Accuracy – The speed and accuracy of the sending of data doesn’t just help you to save money, it will also ensure that you can increase productivity within the business and focus on the most important aspect of its day-to-day running. 
  • Improve Relationships – When you offer this kind of data interchange with your partners you are going to ensure that they receive information in a timely and accurate fashion, which is also free from errors. Ultimately this acts as a vital tool in the management of your relationships with your patterns in the supply chain. 

This has been technology which has helped out so many sectors over the years and in the modern day it is critical that all businesses within the supply chain are able to offer EDI technology. There is no faster, more accurate or more efficient way of exchanging information with your partners, and the benefits of using this are clear for everyone to see.

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Businesses Which Equipment Financing Companies Can Help

Equipment financing companies offer businesses something slightly different when it comes to helping them secure funding. What these companies specifically do is offer funding solely for new equipment for the business. This means that your company can free up capital which it was going to spend on equipment, to keep for other aspects of the business. Furthermore using these funds you would still be able to get lines of credit elsewhere. Another reason why many will look towards equipment financing is that they are much more likely to be approved, based on the fact that the money loaned is going directly towards a tangible asset. 

So what exactly kind of businesses could benefit from this kind of financing? Let’s take a look. 

Restaurant Business

As anyone in the restaurant business will tell you, equipping a kitchen is no small ask and that is why they will often need funds to help them get their kitchen equipment up to scratch. The cost of ovens alone are enough, and that is before you factor in any additional equipment such as pizza ovens to support the business. For this reason this is often an industry which will seek out equipment financing. 

Adventure Companies 

Another type of business which requires extra funding to get set up are adventure companies, which of course have to rely on pretty pricy equipment in order to get things off the ground. Whether it be the buying of ATVs, jet skis or even an airplane, there is absolutely no doubt that these kind of companies desperately require some additional support in order to offer their customers the very best experience. These companies will often rely on the specific financing for these kind of vehicles. 

Manufacturing 

No matter what you happen to be manufacturing, there is absolutely no doubt that getting things set up and off the ground is going to be expensive. The sheer volume of machinery inside these factories is incredible and that is why they depend on this kind of financing in order to get going. One thing which these companies in particular can count is the fact that those machines are incredibly powerful and owing to the volume of output it isn’t long before they have paid for themselves more than once over. 

Brewery 

In recent years we have seen microbreweries become incredibly popular and if we take a look at just some of the equipment which they use in their industry, the costs are pretty high. Most microbreweries are small operations and they simply don’t have the funds to invest in all of that equipment. Having said this, in order to get set up they are required to invest in so much of the equipment otherwise they just can’t produce what they would like to. This is yet another industry which relies on this kind of funding to get things rolling. 

This is a fantastic option for businesses to consider when it comes to getting themselves started.

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4 Ways Technology Saved the Economy during Covid-19

Humanity has seen epidemics and pandemics like the Spanish Flu, H1N1, yellow fever, and Ebola. All these disease outbreaks taught resilience to humankind. They impacted life very harshly but, in the end, were eradicated by humanly persistence and motivation to survive. Every pandemic gave rise to new avenues that proved helpful for humanity to mollify the hardships. Some transformed the way people interact with inhabitants of other continents. Some changed the traveling protocols. At the same time, some highlighted the need for enhanced medical facilities and quick response systems to a virus outbreak.

COVID-19 is certainly a pandemic that this generation will remember for quite some time. It has disrupted human life in an unprecedented way. Reduced connectivity and social interactions worsened the agony of sudden lockdowns. The world has seen the worst economic downturn since the Great Depression. According to the United Nations, the global economy realized a loss of a whopping $8.5 trillion in output due to COVID-19. Not just the developing countries, but even the developed countries had their GDP plunged to -5.0% in 2020.

It sounds depressing, and indeed it is. When 90% of the global economy was under lockdown, what else could someone expect? The economic downturn has pushed approximately 34.3 million people below the poverty line. Cutting a long yet disheartening story short, COVID-19 burnt the world economy to ashes. In such hard times, technology came forward to save the already bad situation from getting worse.

Countries have shifted to digitalization in no time where they might have taken years to return to normalcy. It was the only method to a viable economic exchange during the lockdowns. All leading economic engines, from banking to trade, transformed their operations to adapt to digitalization. Although many sectors were already reliant on technology, the complete dependence arose from the pandemic. This article sheds light on how technology saved the economy during Covid-19.

  1. Digital Banking

Digital banking is not new to an ordinary user of banking services. It has been there for over decades. However, market penetration and customer base for digital banking services were negligible as compared to branch banking. Digital banking has seen a paradigm shift during COVID-19. According to McKinsey, COVID-19 has accelerated the growth toward digital banking by at least two years. Additionally, Scotiabank estimates that 60% of people who have shifted to digital banking options will not return to branch banking even when this pandemic recedes.

The world saw a practical blend of business administration, banking, and information technology. There was a sudden hike in demand for online MBA information technology programs mainly because the corporate sector adapted IT-banking cross products. Consequently, they included options like mobile wallets, remote customer acquisition, app-based biometric verification, and digital credit scoring for loan origination. These revolutionary banking options have made it quite improbable for customers to return to traditional branch banking the way they used to be.

  1. Digital Marketing

The COVID-19 quarantines and lockdowns have entirely revamped the way businesses reach their target customers. Outlets, showrooms, malls, and markets were all closed. Customer footprint was nearly zero in marketplaces. That is where the traditional approach transformed into a digital one. Digital marketing gained unparalleled prevalence than ever before. According to research, 61% of the marketers reorganized their short-term marketing strategies to adopt digital tools.

COVID-19 situation has increased the overall online traffic by 35%. In such an online world, 14% of shoppers are now purchasing only through social media – not even considering brands’ official online stores right now. Digital marketing saved several businesses from going bankrupt. Marketers spent a staggering amount of $100 billion on just digital marketing in 2020. Then, we can only assume the amount of business it must have generated. In such testing times, digital marketing provided effective customer touchpoints to keep the companies alive.

  1. E-Commerce

The stock price of Amazon soared by an astonishing 70%. The wealth of Jeff Bezos, Amazon’s founder, has increased by $75.6 billion. When everything was struggling, Jeff Bezos’ net worth rose by a mind-boggling $11.5 million an hour during the pandemic. That’s too much to brag. Well, this is the case with almost every leading e-commerce based company.

The global e-commerce sales in 2020 were around $4.28 trillion it is an increase of 27.6% from the previous year. Such an exemplary expansion in e-commerce became possible through embedded finance technology which serves as the backbone for e-commerce machinery. It caters to the payments made during e-commerce sales. The most significant barrier to e-commerce success was the lack of secure payment channels. But Embedded Fintech has provided a viable solution.

  1. Big Data and AI

Organizations, businesses, and even countries that never forecasted a shock-like COVID-19 suffered a tremendous loss. They didn’t have a contingency plan to tackle the atrocities of a virus outbreak. That is where they realized the importance of big data management and artificial intelligence to create useable data interpretations. Moreover, the global shift toward digital marketing, online banking, e-commerce, and digital trade radically increased the importance of big data and AI.

The big data market is rapidly growing at a promising CAGR of 12.3% since the wake of COVID-19. The application of big data and AI in economic endeavors is proving financially prolific. Comprehensive data visualization generated through AI algorithms provide efficient help in decision-making. Authorities can chalk economic restoration plans using these data trends.

Conclusion

No one can stop anything like the COVID-19 pandemic from happening, but we can take preventive measures. We cannot guarantee something like this will not happen again. COVID-19 has already extended to yet another year. We never know for how much longer it will remain in our life. That is where humanly survival instincts come into play. We maximize our survival chances by adapting to the external situation.

Similarly, our economies can recover and survive if we incorporate technological marvels into them. These times place a significant emphasis on assimilating technological advancements into traditional economic functions and business domains. We have to transform our banking channels, marketing orientation, trade philosophies, and data utilization. Only then will our economies be able to match pace with this evolving global landscape.

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