Digital transformation is democratizing data to enable greater transparency and better customer experiences across industries. Technology is expanding the possibilities for startups and third parties to access legacy systems and, in some cases, it puts the data directly into consumers’ hands.

Banking-as-a-Service (BaaS) platforms have emerged as key components of open banking, which allows banks to offer financial transparency options for their customers by opening their APIs for other companies to develop new services. Fintechs and digital banks have disrupted traditional business models in the banking space, and by moving into the BaaS space, tech-savvy legacy banks can turn this looming threat into an opportunity.

 What Is Banking-As-A-Service?

 Banking as a Service (or BaaS) refers to a model by which licensed banks integrate their digital banking services with products published by other nonbank businesses. By doing so, a non-bank business can offer digital banking services to its customers, such as mobile bank accounts, debit cards, loans, and payment services, without having to acquire a banking licence.

 By implementing Banking-as-a-Service, almost any business can become a banking provider with a few lines of code. Therefore, BaaS is also sometimes referred to as white-label banking, since the banking services are provided through a non-bank’s branded product.

 Top Use Cases

 Card Payment And Processing

The impending changes to 3DS2 and the increased Visa and Mastercard fees have made merchants look elsewhere for cheaper payment processing.

The BaaS model allows companies outside of the financial sector to add branded payment services to their product portfolios. The services allow firms to offer white-labelled debit cards, which result in increased brand loyalty and a better understanding of customer behaviour. BaaS can enable merchants to accept direct bank transfers as a form of payment through an Open Banking framework. Direct bank transfers cost a fraction of what credit cards cost, don’t result in chargebacks, and take place in real-time.

Identity Verification

Regulations are tightening to reduce fraud and identity theft, so companies must implement more sophisticated methods of verifying identities. The benefits to companies of partnering with a specialist BaaS provider include avoiding the burden of developing a KYC solution on their own and staying up-to-date on new regulations. They can, instead, use a bank’s KYC API to enable customers to verify their identity quickly and affordably.


As eCommerce becomes increasingly competitive, the only way to stand out is by building a strong relationship with your customers. A lending platform is an opportunity for merchants to provide broader services to customers, while also generating more revenue. Typically, this is useful for retailers selling big-ticket items like travel and eCommerce. Through a consumer lending BaaS API, these companies are able to provide on-platform financing to merchants. The bank underwrites and funds the loan, helping the merchant convert big sales.

Plug-And-Play Neobank

BaaS allows brands, merchants, and almost anyone to set up their own neobank for their customers. Startups have long considered BaaS the ideal medium to re-invent all aspects of banking by creating neobanks. Using Banking as a Service, these firms provide customers with everything from a payment card to a segregated customer account. Entrepreneurs in other banking verticals, such as currency exchange, deploy BaaS to disrupt notoriously fee-ridden services.

 In Conclusion

 In a number of countries, open banking regulations have already begun to take effect, showing that the financial services industry will soon become dependent on shared data and infrastructure. The tech-savvy legacy banks that create their own BaaS platforms can not only take advantage of open banking before their competitors but also monetize their platforms to generate new revenue streams.

If you’ve been meaning to switch your company over to Virtual Desktop Infrastructure (VDI) there might be several things you should take into consideration before switching over. Among all the things you have to ask yourself and consider there are 3 key considerations that you should think about when you are switching over to a Virtual Desktop Infrastructure system.

Let’s go over these 3 considerations and discuss how the benefits concerning them.

  1. How Does VDI Fit your Company’s Long-Term Plans?

The first thing you should take into consideration when you plan to switch over to a Virtual Desktop Infrastructure system is how well will this system do in your company’s long-term plans. Although there are many things to consider and take away when thinking about something like this it should be known that VDI’s main impact and contribution to the company is that it allows for more employees to work remotely while helping save up on company costs.

If you are considering integrating VDI into your office, take into consideration how allowing your employees to work remotely will affect the company. If you can see a boost in productivity and reduction of expenses then you should implement it.

  1. How Does VDI Fix Any Short-Term Problems?

When trying to implement something new, it is usually to address any recurring short-term problems that have been happening. Since VDI allows for remote working with just about any device, if you’ve been noticing a drop in productivity and outputs within the company because of the lack of time, it might be a good idea to implement it because the accessible nature of the system allows your employees to be more productive outside of their workplace if necessary.

  1. How Well Will Your IT Department Adjust to the New System?

The last thing you have to take into consideration is how fast your own IT department can adapt to the new system. This is an important thing to take into consideration because VDIs are maintained and handled by the same department and failure to be able to do so might cause problems in the long run.

It is important to talk this over with the department and convince them of the benefits of implementing VDI to the organization. Aside from the previously covered benefits of VDI, several other benefits include a more simplified administration within the company and better flexibility and collaboration between your workers.

Owing to its strategic position in Europe and numerous socio-economic assets, Belgium is a great country to invest in. The stock market, in particular, has a lot to offer. However, you are not likely to succeed without a plan.

Here are several tips to help you navigate the stock market like a pro.

Make a Trading Plan

You probably know what you want to do, but having a trading plan on a platform like SaxoTraderGo is the best way to go about it. In that plan, have rules specifying how you will enter the market, how you will manage your funds for each stock purchase, as well as how you will exit.

Now, sometimes your trading plan will not work, and that’s okay. All you have to do is ditch it and make another one. What matters here is sticking with a plan. Trading in stocks outside of your plan is considered a poor strategy even if they turn out to be successful.

Consider Trading a Business

You cannot approach stock trading as a job or as a hobby especially in Belgium where the market is so competitive and taxes quite high. When you take it as a hobby, then you do not commit to learning. If you take it as a job, you may end up frustrated because you are not going to get a regular paycheck.

Instead, you want to treat stock trading as a business that is taxed and incurs losses, expenses and faces risks as well. As a trader, you are essentially a small business owner and you must research and strategize to maximize your business’s potential.

Make the Most of Technology

As we had mentioned, stock trading is a competitive business, especially in Belgium. As such, you always want to assume that other traders are taking maximum advantage of existing technology. A charting platform offers you an endless number of ways to view and assess markets.

For instance, you can use your smartphone to get stock updates on the go. Other forms of technology that you probably take for granted such as high-speed internet can positively affect your trading performance.

Safeguard Your Trading Capital

Most investors, have to save money so that it is enough to fund a trading account. As you can imagine, that takes a great deal of effort and time. It would be unthinkable to have to do it twice.

In that regard, you want to protect your trading capital at all costs, and while at it, keep in mind that it is not the same as losing a trade. All traders experience that. Safeguarding your capital involves avoiding unnecessary risks and doing whatever it takes to preserve your business.

Study the Market

You want to think of stock trading as a continuous business.   Therefore, you have to be willing to learn more every day and at the same time understand that studying and understanding the market with all its intricacies is a lifelong process.

Studying the market enables you to understand things like what economic reports mean. Observation and focus allow you to sharpen your nuances and instincts.

Economic trends, news events, world politics, and even the weather all have an impact on the market and the more you understand both the past and existing markets, the better-placed you are for the future.

Only Risk What You Can Afford to Lose

You want to ensure that all the money you have in your trading account is expendable before you begin using real cash. If this is not the case, you want to keep saving. Funds in your trading account should not be used for other expenses like your mortgage or school fees.

Losing money is bad enough so you shouldn’t be risking the capital that is supposed to keep your business running.

Final Thoughts

Stock trading in Belgium can be a hassle, particularly for beginner investors. However, with the tips we have given, you should have an easier time. Go ahead and make the most out of them.

A business accountant is responsible for maintaining the books, examining financial data, file government taxes, and advise owners on how to grow the business. You probably know what they say: Accountants are business owners s best friends. Unfortunately, small business accountants are most often best known for performing day-to-day accounting duties. While this is one of their key roles, many small business owners do not realize that accountants can also help them grow their business and achieve additional profits!


If you run a small business, chances are you’re in some type of marketing or accounting position. No matter what position you hold, you must understand your own business to keep track of all of your activities. Many small business owners fail to take care of this aspect of their businesses because they feel like accounting is just a “book” that they add to overtime. The truth is, small business accounting requires constant tracking and updating.


One thing you should make sure to do when it comes to hiring a business accountant at filingtaxes is to hire someone familiar with your industry. This means someone who has worked within your industry before and understands the ins and outs of how it works. It also means someone who has done this before and will be able to offer your existing employees advice about what they need to be doing to stay competitive. Let your employees know that you expect them to use your software and keep track of your progress during tax season.


It is important to understand that hiring an accountant is not the same as hiring a bookkeeper. Bookkeepers are necessary to ensure that your business is financially sound. By comparison, many small business owners do not feel that they need an account executive, because all of their financial records are already being managed by the office.


The best way to hire the right business accountant for your company is to ask for references and then do a background check. Find out who the top accountants in your industry are. Then ask them the tips that they give to new employees. Many accountants will offer free consultations where they can help you with all of the information that you need to know.


It is very important to understand all of the rules and regulations that surround hiring an IRS professional. Many small businesses do not understand what the IRS does when it comes to hiring an IRS professional. Many people fail to follow these rules and end up having to pay back taxes and interest on loans that were improperly paid by their business accountant. The best practices for hiring an IRS professional include; making sure to clearly outline all of your goals, hiring a tax professional that understands your industry, and offering to cooperate with the IRS when it comes to deductions that you might qualify for.


Another great tip for hiring business accountants that are experienced is to have a good plan in place before tax season arrives. You want to make sure that all of the records that you need are accurate and up to date. You should also know the basic tax deductions that you can take during tax season. Most small businesses do not hire tax accountants that offer their clients any tax tips. These accountants only make their income by taking your deposits and paying their taxes.


Some of the tips that you should be following for hiring a qualified business accountant include; understanding the basics of how taxes work. Having a good strategy for saving money. Making sure that you meet all of your obligations. And finally; researching all of the different professionals that are available to hire for your small business. No matter which accountant that you choose to hire, making sure that you have a well-planned strategy for hiring one is necessary.

Nowadays connectivity has improved by leaps and bounds; moving from one place to another has become a lot easier. However, moving comes with a lot of belongings that need to be packed and transported safely to a long distance. The whole process is unmanageable for an individual. This is why moving companies come into the picture. A reliable mover can make carrying out moving tasks easier for you. You can simply Google search for Toronto Movers and check their testimonials and online reviews from their old customers. You may find companies which claim to offer you the cheapest possible rates. There are so many options available at the click of a single button to decide which one to choose. Which one is trustworthy? Which one do you need to hire? What measures have been taken in order to avoid fraud? Here are a few things you must consider before hiring a moving company to get your job done.

Check the Company’s Website

Click on the company’s website and check what it contains. There should be a complete description of services that have been provided along with the company’s history, contact information, and past reviews. Do not let yourself swindle by testimonials, these could be fake sometimes. Check for the company’s location on Google maps.

Examine the Reputation

How to choose the best Movers in Toronto, Ontario, examines its reputation and it can be a great assistance in determining its authenticity. Check what the customers said who has previously used their services. Ask your friends, peers, and neighbors for their opinion. You can also look for assessments online. These online reviews do not have to be absolutely perfect so discover your own. A detailed reputation analysis will give you a general idea of how the company works.

Verify the Rates

You can verify the rates of the moving company. Most of the companies offer moving services in Toronto at pretty reasonable prices. Check the rates for short and long-distance moving. You can compare rates with other moving companies that make it easy for you to select the right moving company. The rates are determined as per the moving industry standards. If a moving company tries to offer you a significantly low cost, maybe they will mislead you with hidden costs. So, it is better to look for the next one who offers fair prices.

Conclusion: The Final Words!

Let’s get moving companies that offer high-quality moving services and are highly acknowledged and rewarded. They pride themselves to have been multiple award-winning companies and their superior quality services prove their worth. They are top-rated and the best movers in Toronto Ontario. Don’t hesitate to hire, let’s get professional movers. Please feel free to inquire more about them at Their experts are ready to assist you! Book your move now and get a special discount.

Custom corrugated boxes can be used for a variety of purposes. You may require a box for storage during a move, for storing materials, for carrying finished products, or even for storing office supplies. Regardless of the cause, you will discover that there are numerous options available and that finding boxes that match your needs is easier than you think. The following are some popular applications for these manufacturing boxes.

When storing goods, whether equipment or materials, it’s helpful to know what you’re attempting to keep. This is especially true for materials on a job site, as you want to avoid spillage and loss. For instance, if you want to use sawdust in your shed, you’ll want to keep it tidy and easily available to avoid wasting valuable time attempting to keep it together.

If you send your products via wooden pallets, you may consider using cardboard boxes to store your tools and other items, however pallets can take up a lot of space and are prone to break. Corrugated cardboard boxes are an excellent choice since they stack easily and keep your tools and other goods tidy. This will assist you in keeping everything organized and will also help keep the cost of your goods down.

Corrugated boxes are popular in a variety of industrial environments in addition to woodworking shops. Whether you Create the perfect box or store supplies, tools, or other stuff, you’ll find a variety of corrugated box styles to pick from. Certain boxes are composed of metal and include locking latches to ensure the safety of the contents. Boxes made of cardboard are also available, however they are not as sturdy as metal or wooden boxes. However, boxes made of a variety of materials, including cardboard, are available.

The cardboard box is one of the most often utilised corrugated box types in industrial settings. These boxes are ideal for keeping things as well as shipping documents. Cardboard boxes are built of a variety of materials, including wood, corrugated fiberboard, and cardboard. Cardboard boxes are versatile and can be stacked or unstacked as needed. You’ll discover that these boxes are really useful for keeping things, and in many situations, they may be stacked for added convenience.

Service design has become a fairly common term today in all types of regulated businesses. But what exactly means this term? This only means the integrated service interface where the product or service is designed by considering the needs, preferences, desires, utilities, and consumer perspectives while effective, profitable and efficient for providers.

The main role of service designers is to conceptualize and product choreography, services, or new and unique solutions for the market. This is done after careful and detailed research studies of behavior, preferences and customer needs which are then transformed into real utilities and services. Sometimes the service or design is completely made after a broad research but sometimes only redesign the service. But the latter is also equally challenging because it also involves many evaluations, market research, and innovation.

Service design can include planning and organizations of any part of services such as people, infrastructure, material components or even communication networks involved. It can also include governance, risk, and compliance. The main focus is to provide service or friendly and innovative products consumers who are also productive for service providers. Every business organization or company interested in customer satisfaction has begun to employ service designers to learn and evaluate current trends and services and also suggest new and innovative designs to provide better consumer service and products.

Apart from the ordinary tool involved in traditional product design, there are various other analytical tools used in service design. Some of these analytical tools used by designers include anthropological studies, social and ethnographic behavior that can provide very useful instructions for the development of new designs or redesign existing services. After extensive research that includes a profound survey and understanding of what the service provider is stated, the design blueprint is made which is then presented to the provider for approval.

In the previous days, service design was only taken by marketing and management companies but today, even companies in the public and small business sectors such as restaurants, department stores and the hospitality industry have begun to see differences that can be improved. Sales term shared by providing client satisfaction. Even hospital networks begin to employ service designers to ensure attractive and useful clinical and clinical standards development for patients and focus on enhanced patient care. This design service has made a sign in the creative sector also with large conglomers such as Apple using services to perfect various applications and services such as iTunes and other forms of online music.

Does it look like some entrepreneurs have lucky good luck? Even though you succeed, you don’t consider yourself “very successful.” Maybe you just consider becoming an entrepreneur and you wonder if there is a secret of success. Believe it or not, there are entrepreneurs who are the steps above the rest because they find secrets to become more successful. This is not about the business itself, but more than changing mindset and lifestyle that creates super success.


Even though it might sound quite simple, this is one of the biggest obstacles for entrepreneurs. You must make a schedule set to achieve your daily, weekly and monthly goals. Start by determining your clear goals. Next, create a list of tasks needed to achieve this goal. Finally, set your schedule so you have enough time for your work and personal life. Now it’s time to discipline yourself. Stay according to your schedule. Don’t be disturbed or discouraged. Working for yourself does not mean you stop working. With discipline, you can honestly work less and you can become more successful.

Get support

Being an entrepreneur is a lonely business, right? One of the secrets of the success of entrepreneurs is most important to learn is, you always need support. This does not mean financial support, even though it is useful. Instead, socialize or work with the same-minded people who believe in your goals. This makes you focus and confidence. Try to find other entrepreneurs to talk to. They will guide you through general traps and more importantly, they understand exactly what you experience. Friends who are also colleagues, are very important for your success.

Embrace failure

Obviously, this sounds counterproductive, but thinks. No one wants to fail. However, if you let go of your fear of failure, what should you lose? Every failure is another opportunity to learn how to do something better. Even the greatest entrepreneurs have failed. Committed entrepreneurs, success does not give up. Instead, they studied their failure and turned it into success. Don’t let failure stop you. That happened, and it could be a great learning experience. Remember that success also occurs when you survive.

Try hard to perfection

Just because you start seeing success, that doesn’t mean you have to be satisfied. Successful entrepreneurs are constantly trying to perfection, continuously trying to improve. Don’t be obsessed, but looking for opportunities to improve products and services or make something new. It builds your business and allows it to develop, instead of allowing competitors to destroy all your hard work.

Get Personal

Don’t let your work consume you. Of all the secrets of success, it is very important to remember you need personal life. Opportunities are, part of the reason you dream of becoming entrepreneurs is having more time for friends and family. Without downtime, you will burn. Take time for yourself and the people around you. You will feel happier, more confident and more ready to take the world. No matter how busy you are, schedule time to look after yourself. Exercise, eat regularly, socialize and do something fun!

Although there are many secrets of the success of entrepreneurs, these are some of the most important and they apply to every entrepreneur, no matter what business you are.

Custom boxes are specifically boxes made by custom boxes producer in such a manner as requested by the clients. These are specially designed and manufactured for clients based on their own specifications, as well as based on the theme they wish to portray to the public. These are specifically made for the purpose of carrying and displaying valuable objects, some of which might be very big and heavy, while some might be small and light in nature. The box is generally made from durable and heavy duty materials in order to meet the requirements and needs of the clients.

The custom boxes are manufactured on request in a very cost effective way, thanks to the presence of printing services nowadays. These services are offered by almost all printing companies, and are in full demand at this time. By applying for these services online, anyone can get free proof for any box design and they can choose one among the many options available for them. The printing services provide a range of options for their clients, depending upon the size of the box and the printing requirement of the customer.

When you design your own custom packaging boxes the provider will typically offer full-color digital images of custom boxes. These images can be printed onto any paper that can withstand ink printing. These can also be used for making brochures, catalogues, flyers, banners and many other purposes. These pictures are also very effective for creating various other graphic materials such as posters and folders. They are capable of offering a lot of benefits for every kind of business – from product marketing to packaging and shipping of the products, as per the requirements of the customer.

With so much demand for customized boxes being satisfied by the printing industry today, it has now become possible to get the best printing services at a reasonable price. They offer a range of services that include paper cutting, binding, screen printing and also complete logo design. Their unique ability to provide a full range of printing solutions to all kinds of customers is the reason behind their increasing popularity. The printing companies also offer customized graphic printing services such as letter head printing, die cutting, brochure and product box styles, brochure printing, brochure design etc. These expert printers offer complete services to make sure that the customers get the best quality of service. They carefully take into consideration all the designing requirements of the customers and use advanced tools in developing the designs, so as to make sure that the designs meet the exact specifications of the customers.

The custom boxes manufacturer offers quality graphic designs at an affordable rate. These boxes meet all the essential requirements of the product packaging without hampering the brand positioning. Most of the company’s products display the corporate brand identity right from the inception of its production. They have also got their innovative and sophisticated look to satisfy the exact printing requirements. The quality and durability of the products are another major advantage of utilizing the services of a custom boxes manufacturer.

One important benefit of using the customized boxes manufactured by a reputable company is that they help in building up the brand equity of the business. All the products which are printed using high quality products will definitely fetch good returns for the concerned company. Thus, these custom printed boxes play a crucial role in building up the brand equity of the company. Hence, it is very important to utilize the services of a reputable custom box printing company to manufacture quality packaging solution.

The hype generated by SAP software in the market is loud enough to make businesses desire the technology for their benefits. Studies however show that not so many companies have been successful with the implementations of SAP ERP into their systems, in fact 50% of the businesses that try either fail or take a while before the results can manifest for them and many at times it may be due to poor SAP consulting. This however does not mean the software or the technology is inefficient but rather businesses make a few avoidable mistakes that later cost them a lot of money to correct. Here are a few of the common blunders you might make during SAP implementation that jeopardize chances for its success.

Prioritizing technology instead of process driven

Upon purchase and installation, the use of SAP ERP should be okay with most systems but remember no two businesses have the same uniform needs. At some point, you need to customize the software to suit your business operations and practices to improve efficiency. You need to be able to develop effective processes that can help compliment the newly installed technology. The only way to success is if the business is actually able to design the processes needed by the SAP software to improve its impact in the business.

Ignoring best practices

There is a great need for your business to follow the best practices guide for both solution implementations and their process definitions. Doing this will not always be easy especially for new and establishing businesses. Ignorance can however interfere with the success of your new technology system. Choose an integrator that experience in the market to assist you with several factors you may be stuck at. They will not just help you with successful implementation but also design effective processes for you that fit your business model and needs.

Low transparency for users

By far this can count as one of the biggest challenges that SAP implementation faces from one organization to the next. The integrator you hire will have shallow understanding of planning and consolidation of various aspects of the business and their team of consultants may not always be head on. Once the consultants take the driver’s seat in the implementation, transparency is the only way to give better results. The business users must give the requirements to the team to allow for an improved implementation process knowing that these consultants are well versed with the solution but the mismatch for business requirements and the ultimate technical designs used to configure the solution.

The key to business and growth success is through effective and efficient service management. It is important to create a strategy in managing field services because this is a business or focal growth point for large companies that operate using field service such as telecommunications, fleet services, information technology and other service-oriented companies. Even small companies need to develop company service strategies to attract more customers and sales growth.

Don’t list some of the main considerations or points

The executives or people above are assigned to register or consider people in the service field if their duties and responsibilities are adequate or effective in bringing company services with customer satisfaction. Apart from the planned executive reporting and management strategy if field services are not effective in their duties, leadership remains unstable.

Utilizing a strategy

The strategy for effective service leaders is the key. First, make a comprehensive plan to work your service team. It is not easy to implement strategies to people in the field, especially if traditional work attitudes have been employed by these people. Second, make the plan can be achieved by having realistic management goals, available resources and budgets. It is not enough to implement an effective service management plan if resources are not available to fund seminars, service development conferences, incentives, and other service strategies to increase service effectiveness. As a management executive, it is important to anticipate projects and plans with resources to support.

Automation, skills development and technical leadership

With the availability of information technology and systems to help automate work and increase the productivity of service people, it is not impossible to achieve the success of the management of service staff management. Technology is very helpful for efficient services. Fast service and easy access achieved due to the evolution of new technology. If technical people are trained and developed in their skills such as handling customers, IT operations and other technical functions, service management will not have difficulty achieving success and growth. Approaches using advanced technology will make effective services.