Airtel Acquires Strategic Stake In Blockchain Technology Startup Aqilliz

Bharti Airtel (“Airtel”), India’s premier communications solutions provider, announced that it has acquired a strategic stake in Aqilliz – a Blockchain as a Service Company under the Airtel Startup Accelerator Program, subject to applicable statutory approvals.

Singapore-based Aqilliz has developed a patented hybrid blockchain platform, Atom that integrates differential privacy and federated learning on a distributed digital ledger. This allows brands to create secure and consent-based solutions to engage with customers in a rapidly evolving digital economy that’s becoming increasingly decentralised.

Airtel aims to deploy Aqilliz’s advanced blockchain technologies at scale across its fast growing Adtech (Airtel Ads), Digital Entertainment (Wynk Music & Airtel Xstream) and Digital Marketplace (Airtel Thanks App) offerings.

Adarsh Nair, CEO – Airtel Digital, said: “We, at Airtel, are deeply researching new technologies that drive the future of a digitally connected India. This relentless focus on innovation is also enabling us to unlock new growth engines within Airtel. Blockchain technology is maturing and we see its application across areas such as Adtech, Creator Economy, and Loyalty Programs. We are thrilled to have Aqilliz join our Startup Accelerator Program and be part of Airtel’s digital innovation factory.”        

Gowthaman Ragothaman, Founding CEO – Aqilliz added: “We are extremely excited to be a part of Airtel’s digital innovation play and bring this first of its kind blockchain technology to India. Legacy customer engagement, ad tech and marketing technologies are built for centralised databases. The future of the digital economy is already pivoting to managing value exchanges between brands, platforms and the consumer. Aqilliz’s patented technology will enable Airtel to capture and carry this value exchange in the form of consent and provenance across the digital supply chain. We look forward to working closely with the team at Airtel.”

Airtel Startup Accelerator Program invests in early stage start-ups working on technologies that have adjacencies to Airtel’s business offerings. The Program gives Startups the opportunity to deploy their technologies and applications at a massive scale, which includes 340M+ retail customers and over 1M+ business. In addition to funding, the Program offers mentorship from Airtel’s leadership team and access to Airtel’s global strategic partners.

Recently, Airtel launched the ‘Airtel India Startup Innovation Challenge’ in partnership with Invest India. Early stage Indian startups were invited to demonstrate solutions for 5G, IoT, Cloud Communications, Digital Advertising and Digital Entertainment. 10 winners will get the opportunity to access Airtel’s digital engineering ecosystem to co-create solutions and select few will be inducted into the Airtel Startup Accelerator Program.

About Airtel 

Headquartered in India, Airtel is a global communications solutions provider with over 480 Mn customers in 16 countries across South Asia and Africa. The company ranks amongst the top three mobile operators globally and its networks cover over two billion people. Airtel is India’s largest integrated communications solutions provider and the second largest mobile operator in Africa. Airtel’s retail portfolio includes high speed 4G/4.5G mobile broadband, Airtel Xstream Fiber that promises speeds up to 1 Gbps with convergence across linear and on-demand entertainment, streaming services spanning music and video, digital payments and financial services. For enterprise customers, Airtel offers a gamut of solutions that includes secure connectivity, cloud and data centre services, cyber security, IoT, Ad Tech and cloud based communication. For more details visit www.airtel.com

About Aqilliz

Aqilliz offers a first of its kind middleware technology that strives to enable an interoperable and collaborative digital marketing ecosystem. Our patented infrastructure, Atom, incorporates privacy-preserving techniques that help enterprises jointly perform advanced analytics on a federated layer and records such processing of activities on a distributed ledger. Such a trusted layer encourages enterprises to unify different proprietary technologies thereby helping the marketing ecosystem collectively discover sharper insights in real time, for efficient and effective activation.  Rooted in the principles of ethical use of data, Aqilliz benefits brands, platforms, and consumers alike through solutions in the fields of cross-media measurement, privacy-compliant marketplaces and digital advertising supply chain automation. For more information, visit aqilliz.com.

MINI Celebrates 10 Years In India With The Launch Of The First All-Electric Car In The Compact Premium Segment

* MINI 3-Door Cooper SE - Pulsating Performance, Iconic Design, A Silent Revolution.

* Early deliveries for pre-launch booking customers starting March 2022.

* Best charging infrastructure in the premium segment with fast chargers at BMW Group Dealer network in more than 30 cities across India.

* #MINIElectric #BIGLOVE #MINIIndia #ChargedWithPassion #MINI #TheMINIThings

The first all-electric MINI 3-Door Cooper SE was launched in India today. Available as a completely built-up unit (CBU), all available units were sold out during the pre-launch booking in Q4 2021. MINI India will be delivering the cars to the pre-launch customers from March 2022, earlier than promised. Bookings for the next phase of deliveries will start from March 2022, exclusively on the MINI Online Shop - shop.mini.in.

Every car drives, but not every car is for the drive. MINI is a different kind of car, for a different kind of drive. It's not the obvious choice. It never has been, and never will be. If you are looking for a car that’s all torque, as well as action, then let us introduce you to the latest MINI Electric. It feels better than ever, with immediate oomph thanks to instant torque. And it looks better than ever, with a sharper, sleeker update to its iconic MINI design and, of course, that all-new MINI Electric feeling. The MINI Electric is the best of both worlds, giving you the iconic character of MINI with all the benefits of going electric. Emitting zero emissions, it’s the perfect combination of sustainable driving, thrilling driving performance and iconic MINI design. The MINI Electric is reinventing urban life. It is inspired by its roots, progressive yet iconic, a true trailblazer. The car is changing the face of mobility and continues MINI’s tradition of making creative use of urban space with its eye on the future.

Mr. Vikram Pawah, President, BMW Group India said, “10 years into the country, MINI India is proud to bring the first all-electric car in the compact premium segment. In line with our ‘Digital First’ strategy, it is also the first series model exclusively available for booking on the MINI Online Shop and was completely sold out during the pre-launch booking phase itself. The MINI 3-Door Cooper SE combines MINI's inventive spirit and iconic design with instant torque, zero emissions and a low centre of gravity that enhances its legendary go-kart feeling. It paves the way into the future of MINI as an E-brand (E-lectric E-commerce E-xperience). The MINI 3-Door Cooper SE will play a significant role in inspiring creative individuals and trendsetters to drive the silent revolution.”

The ex-showroom price* of the all-electric MINI 3-Door Cooper SE is INR 47,20,000.

*Price prevailing at the time of invoicing will be applicable. Ex-showroom prices inclusive of GST (incl. compensation cess) as applicable but excludes Road Tax, Tax Collected at Source (TCS), RTO statutory taxes/fees, other local tax cess levies and insurance. Price and options are subject to change without prior notice. For further information, please contact the local MINI Authorised Dealer.

The MINI 3-Door Cooper SE comes with a Smart Wallbox charger with a fixed charging cable and one-time installation.

BMW India Financial Services customized financial solutions can be further designed as per individual requirements. MINI Electric ownership experience is hassle free as it comes with a standard two-year warranty for unlimited kilometres. The high voltage battery is covered by a warranty valid for 8 years or up to 100,000 kilometres. Repair Inclusive can extend warranty benefits from third year of ownership to a maximum fifth year without any milage limitation. 5 years 24x7 Road-Side Assistance provides complete peace of mind while on the move with facilities like portable roadside charging. BMW Group offers the best charging infrastructure in the premium segment with fast chargers at BMW Group Dealer Network in more than 30 cities across India. The MINI Electric can be serviced across 32 BMW Group touchpoints across the country.

The all-electric MINI 3-Door Cooper SE

MINI will globally be a fully electric brand after 2030. The MINI 3-Door Cooper SE paves the way into the future of MINI as an ‘Electric E-commerce Experience’ brand. The all-electric MINI 3-Door Cooper SE is the first model to combine electromobility in an urban setting with the hallmark MINI brand attributes. The dimensions, design, space and interior ambience are based on the conventionally powered MINI 3-Door Hatch.

The cars design blends modern aesthetic aerodynamic lines with new eye-catching signature details. Dynamic lines and a crisp, clean style combine with the wide track and short overhangs to give the MINI 3-Door Cooper SE its taut athletic presence. Striking ‘Energetic Yellow’ accents further enhance its unique appearance on the road. The sleek, captivating front grille has been given a very modern interpretation, embodying both MINI history and the future. The all-electric MINI is designed to complement vibrant city life and maximise your driving experience.

Distinctive headlights are accompanied by the new eye-catching side scuttles that house LED indicators and the Energetic Yellow 'S' logo. Mirror Caps in Energetic Yellow along with new design elements of the Piano Black exterior lend an even more individual appearance. The exclusive 17 inch / 43.18 cm Electric Power Spoke alloy wheels outlined in Energetic Yellow add to complete the all-electric MINI's sleek design. The asymmetrical spokes lend them a unique appearance and are aerodynamically optimised to improve efficiency.  The car is available in four unique exterior colours - White Silver, Midnight Black, Moonwalk Grey and British Racing Green.

The interior comes with the exclusive MINI Electric Interior Surface and sports seats with Cloth/ Leatherette Combination Upholstery in Black Pearl/ Carbon Black. The new multifunction steering wheel in Nappa Leather integrates more functions yet reduces the number of control surfaces. The new 5-inch/ 12.7 cm digital Multifunction Instrument Display in a sleek Black Panel design provides key driving information. It is brilliantly complemented by the 8.8-Inch/22.35 cm high-resolution, full-colour touchscreen. In addition, the audio control unit and the function buttons for hazard warning lights and driver assistance systems are integrated harmoniously into the circular control unit. Innumerable, finely integrated lighting strips and spots create ambient lighting that sets the right mood for every drive. Striking accents in ‘Energetic Yellow’ extend to the start/stop toggle switch, gear lever and unique badging on door sills.

The MINI Electric drive takes the legendary go-kart feeling to an entirely new and fascinating dimension with zero emissions and instant torque. With 184 hp/135 kW and a maximum torque of 270 Nm, the electric MINI sprints from 0-100 km in 7.3 seconds. Dynamic yet silent, the all-electric MINI offers an entirely new driving experience. It is powered with a battery capacity of 32.6 kWh and a driving range of up to 270 km. MINI 3-Door Cooper SE ensures fast and hassle-free charging.

50 kW DC Charger – 80% in 36 mins.

11 kW AC Charger – 80% in 2 hours 30 minutes.

2.3 kW AC Charger– 80% in 9 hours 43 minutes.

The first all-electric MINI comes in a fully loaded feature rich fixed profile including MINI Wired Package with Navigation System, Wireless Charging, enhanced Bluetooth mobile preparation, Multifunctional Instrument Display, Apple CarPlay® and Harmon Kardon Hi-Fi Speaker System.

MINI Driving Modes enable an individualised vehicle set-up focusing on ride comfort, enhanced sportiness or efficiency according to driver’s preference. In addition to the standard MID mode there is a choice of SPORT and GREEN mode. Driver Assistance Systems include Cruise Control, Park Distance Control, Rear View Camera and Tyre Pressure Monitor.

The all-electric MINI features cutting-edge safety technology. The standard safety equipment comprises of front passenger airbags, Brake Assist, 3-Point Seat Belts, Dynamic Stability Control, Crash Sensor, Anti-lock Braking System, Cornering Brake Control, Run-flat tyres and Rear-View Camera. The standard MINIMALISM technology includes auto start/stop function, brake energy recuperation, active cooling air ducts and electromechanical power steering.

MINI has established nine authorized dealerships in India – Bird Automotive (Delhi NCR), Bavaria Motors (Pune), EVM Autokraft (Kochi), Gallops Autohaus (Ahmedabad), Infinity Cars (Mumbai), Krishna Automobiles (Chandigarh), KUN Exclusive (Chennai), KUN Exclusive (Hyderabad) and Navnit Motors (Bangalore).

Mindtree Ltd: Growth Momentum To Stay Intact With Stable Profitability

 

HOLD

CMP: Rs3802  

Target Price: Rs 4300

* At its analyst meet, MTCL reiterated that steady execution of its well-devised '4*4*4 strategy' that focuses on four verticals (RCM, BFSI, TTH and CMT), four service lines (Customer Success, Data and Intelligence, Cloud and Enterprise IT) and four geographies (NA, UK & Ireland, Continental Europe, APAC & ME) has led to superior performance.

* The company has adopted a 3-pronged approach to accelerate growth in the core portfolio (cross-selling in Focused 100 clients, structured deals and M&A), expand the emerging portfolio (expand into newer geographies and services) and incubate new businesses (partnership with start-ups, academia, build PoCs in new areas).

* MTCL is confident to sustain EBITDAM at ~20% and is looking to invest additional savings into strengthening domain capabilities, geographic expansion, industry partnerships and future technologies to be ready for the next leg of digital transformation.

* MTCL has delivered a strong operating performance over the last few quarters, and it expects to sustain the momentum in FY23 on the back of strong broad-based demand. We maintain Hold on the stock with a TP of Rs4,300 at 33x Mar'24E EPS.

SJVN – Creduce (JV) In 1500 MW, Largest Indian Hydro Power Based Carbon Credit Deal

Creduce Technologies Private Limited – HCPL JV announces winning the bid for India’s single largest Hydro Power Carbon Credits project with Satluj Jal Vidyut Nigam Ltd. This project under joint venture could result in creation of more than 80 million carbon credits from Satluj Jal Vidyut Nigam’s vintage project making it the biggest public-private collaboration for claim and trade of carbon credits in the country in recent times. Looking at the current International Carbon Market Prices, This carbon credit project activity is poised to fetch approx USD 100 Million revenue into SJVN’s books.

The Satluj Jal Vidyut Nigam Ltd (SJVN) that began with a single project and State operation (i.e. India’s largest 1500 MW Nathpa Jhakri Hydro Power Station in Himachal Pradesh), today has commissioned several projects totalling more than 2500 MW of installed capacity. Besides the Nathpa Jhakri project SJVN also has Rampur Hydro Power project in Himachal Pradesh with a capacity of 500 mw together with consolidated installed and upcoming wind and solar power contributing to another 500 mw.

SJVN decided to avail the carbon credits and Invited Bids from the eligible Service providers. Creduce – HPCL JV emerged as the winner of rigorous tendering process and Won the Project.  With this project activity, SJVN and Creduce are also aiming to align with the new rules emerging from the Paris Climate Agreement.

The additional revenue will also bolster efforts for SJVN’s additional projects that it is implementing and operating in Himachal Pradesh, Uttarakhand, Bihar, Maharashtra, Uttar Pradesh, Punjab, Gujarat and Arunachal Pradesh in India besides neighbouring countries of Nepal and Bhutan.

Commenting on the mega collaboration, Shailendra Singh Rao, Founder, Creduce says, “Pursuant PM Modi’s announcement at COP26, Creduce has embarked on the ambitious journey of creating and servicing withing the Compliance and Voluntary Carbon Credits framework for all green projects to claim and utilize carbon credits. We are honoured to be a part of this deal where we would help SJVN claim millions in carbon credits and subsequent revenues over the coming decade.”

With SJVN’s vintage and future produce, the numbers would definitely help enhance the health of this balance sheet and support implementation of more such projects in the State of Himachal Pradesh and the country.

This announcement is a major step towards the mission of achieving net-zero emissions by the year 2070 as announced by Prime Minister Narendra Modi during the COP26 summit.

“We are proud to have partenered with Creduce to help de-carbonise the Indian and global economy. It is incumbent among each firm, be it government or private to commit to the  carbon markets and help the fight against climate change,” said Kartik Upadhyay, Managing Director, Hydel Consultants Private Limited.

About Shailendra Singh Rao

Serial Entrepreneur, Founder of Two Successful start-ups in domains as Renewable Energy consulting (Envarrior Consulting Services, now Creduce) & On demand Hyperlocal Laundry Services (www.Laundrynow.in, an Internet based start-up) Awarded as ‘Entrepreneur of the Year 2016’ by The Entrepreneur Magazine & Franchise India Group, ‘Entrepreneur of the Year 2017’ by APS Media Group and ‘Entrepreneur of the Year 2017’ by Times Media and Bharti Airtel. Made it to FORBES 100 notable under 40 Entrepreneurs in India.

ABOUT CREDUCE

C stands for Carbon, Climate Change, whereas Reduce represents the need to eradicate, offset and eradication of the debilitating effects – Hence Creduce

For the past decade, Creduce has been a pioneer in the field of Climate change mitigation technologies consulting and Global Carbon Credits advisory services. Creduce has a wide presence with projects located in Pan Indian States and Globally. Climate and human development are sides of the same coin. Creduce strives for a world where businesses, governments and communities make climate action the new normal.

Wholistic Wellbeing Company RoundGlass Launches ‘Living’ App

RoundGlass, a global organization on a mission to democratize Wholistic Wellbeing for the world, has launched RoundGlass Living app for wellbeing seekers. Coming at a time when a global pandemic has disrupted lives at every level, the app will help users find their way to managing work-life balance, getting better sleep, parenting, eating healthy, coping with grief, and making end-of-life decisions. RoundGlass Living offers guidance from the world's best teachers in form of authentic, science-backed courses, classes, live sessions, and more, guiding users to a life of happiness, harmony, health, and growth.

Speaking at the launch, Sunny (Gurpreet) Singh, Founder, RoundGlass said, “RoundGlass Living is not just an app but a friend, a coach who will help you get started on your journey to Wholistic Wellbeing. It will transform your lives and take you to a place where you feel better. With this app and website, we want to deliver Wholistic Wellbeing for everyone and make the world a more joyful place to live in.”

There are multiple practice pathways to choose from — meditation and mindfulness, music, cooking, and movement — helping users understand what works for them. Users can create their profiles and receive personalized recommendations and watch themselves grow into their better selves.

Talking about the teachers on RoundGlass Living, Prakriti Poddar, Global Head, Mental Health and Wellbeing, RoundGlass, said, “We have curated some of the best teachers and experts from across the world, including the likes of Nithya Shanti, Vimalasara, Almeiri Santos, and Curtis Smith. And we have culled their years of practice and unparalleled experience into our live sessions, classes, and courses to guide seekers on their wellbeing journeys. RoundGlass Living+ provides users exclusive one-on-one sessions with these masters.”

The app, available for iPhone and Android users, has a free and a premium version (Living+) with a monthly subscription of $7.99 and an annual subscription of $59.99 (introductory price). The premium version offers unlimited access to all videos, early access to classes and courses, the ability to download and watch on-demand, and reserved seats for exclusive events.

About RoundGlass Living

RoundGlass Living is our digital solution, which aims to open a new joyful world of Wholistic Wellbeing for its users. Offering curated knowledge and guidance from the world's best teachers, it will hand-hold its users on their wellbeing journeys. Users can choose from a wide range of practice pathways such as meditation, yoga, nutrition, and music to achieve Wholistic Wellbeing.

RoundGlass Living will give its users access to courses, classes, and live sessions; insightful articles; and wellbeing tools such as customized meditation timer and reminders. Be it recourse for everyday stress and anxiety, managing difficult emotions, or coping with grief the app will help users live better and more joyfully.

To learn more, visit https://round.glass/living/

About RoundGlass

RoundGlass is a global wholistic wellbeing company dedicated to empowering and enabling people on their wellbeing journey. Our mission is simple yet ambitious: to inspire the power of Wholistic Wellbeing to create a happier, healthier, and more joyful world. We work to achieve this by investing in and developing new technology, sharing knowledge, and focusing on action for the good of the individual, their community, and the wider world.

VKC Pride Launches ‘Shop Local’ To Woo The Online Customers

VKC Pride, India’s leading PU footwear manufacturer has launched a unique ‘Shop Local’ to woo the customers to nearby shops and help local neighbourhood businesses flourish. The campaign is aimed at energising local shops and to quell the threat of online

"If every neighbourhood can adopt this #ShopLocal Culture, it will help the Neighbourhood businesses thrive and help the neighbourhoods flourish as it will create more jobs in the neighbourhood and more money will change hands in the Neighbourhood itself as the money is not sucked out of the Neighbourhood by online marketplaces. Please join the #ShopLocal Culture Neighbourhood Movement to make your neighbourhood beautiful and power India to prosperity." said VKC Razak, Managing Director, VKC Group.

Three Campaign Tools: VKC Pride #ShopLocal campaign uses three powerful tools to get shoppers to shop from neighborhood shops.

Weekly Prizes: The first tool is VKC Pride 2022 Celebrations scheme that helps customers win a whole lot of prizes every week when they shop from nearby shops. Also, have a mega reward as a bumber prize. 

Modern Technology: The second tool of VKC Pride #ShopLocal Campaign is the new VKC Parivar App that helps online customers to shop from shops in their neighborhood by choosing the products on the App and pick up from the neighbourhood shops. Through the VKC Parivar App, every neighbourhood shop can cover an area of 20 kms.

Amitabh Bachchan Endorsed Ad-Less Ad: The third tool is the power of endorsement of the legend of Indian Cinema Sri. Amitabh Bachchan with a unique Neighbourhood Business and Prosperity film in the India's Pride My Pride ad series using the special technique of an ad-less ad pioneered by VKC Pride and originated by Breakthrough Brand & Business Consulting.

BOB Financial And IRCTC Launches “Co-Branded RuPay Contactless Credit Card”

* Card to offer maximum savings to frequent railway travellers and multiple benefits in shopping for categories ranging from groceries to fuel 

* The Loyalty Number printed on the card can be linked with the IRCTC login ID to redeem reward points on IRCTC Website as well as Mobile App 

BOB Financial Solutions Limited (BFSL), a wholly owned subsidiary of Bank of Baroda (BoB) and Indian Railway Catering and Tourism Corporation Ltd (IRCTC) have come together to launch the “IRCTC BoB RuPay Contactless Credit Card”. The card is specially curated to offer maximum savings to frequent railway travellers. Users of this card will also get multiple benefits for shopping across other categories ranging from groceries to fuel. Cardholders can also use this card to transact at international merchants and ATMs through the JCB network.  

Cardholders of IRCTC BoB RuPay Contactless Credit Card will be able to earn up to 40 reward points (per INR 100 spent) on 1AC, 2AC, 3AC, CC, or EC bookings made through the IRCTC website or mobile app. The card also offers a 1% transaction fee waiver for the customers on all their train ticket bookings. Customers making a single purchase worth INR 1,000 or more within 45 days of card issuance will get 1,000 bonus reward points. 

The co-branded credit card will offer 4 reward points (per INR 100 spent) on grocery and departmental stores and 2 reward points on other categories. Cardholders will be entitled to 4 complimentary visits per year at partner railway lounges. The card will also offer 1% fuel surcharge waiver across all petrol pumps in India. 

The cardholders will be able to redeem the accrued reward points on the IRCTC website and mobile app, after linking their Loyalty Number (printed on the co-branded credit card) with their IRCTC login ID. 

Speaking at the occasion, Ms. Rajni Hasija, CMD, IRCTC said, "IRCTC is extremely pleased and honored to partner with BOB Financial, a wholly owned subsidiary of Bank of Baroda – the third largest bank of India in presenting the new co-branded contactless credit card on RuPay platform in collaboration with NPCI. IRCTC has rich experience in offering its customers with such co-branded cards and has a tie-up with another public sector bank to offer its loyalty program to its customers. The recent collaboration with BOB Financial in launching IRCTC BoB RuPay Contactless Credit Card is another landmark step towards promotion of the indigenous RuPay payment platform and realizing the vision of Digital India of Hon’ble Prime Minister of India. IRCTC is happy to be instrumental in the fulfillment of this vision and we look forward to the resounding success of this card amongst our customers. The value proposition on this card presents a great potential as well as opportunity to be utilized among the vast customer base of IRCTC through its e-ticketing website www.irctc.co.in  and Mobile App ‘IRCTC Rail Connect.” 

Talking about the launch, Mr. Shailendra Singh, MD & CEO, BFSL said, “We are honored to partner IRCTC for the co-branded credit card, in partnership with NPCI. The card will offer uninterrupted payment convenience and benefits to customers for rail travel as well as all other shopping needs. We also expect the co-branded card to act as a catalyst for further adoption of digital payments in deeper geographies, helped by the presence of both the railway network as well as BoB branches.” 

Speaking at the launch, Ms. Praveena Rai, COO, NPCI said, “We are delighted for RuPay's Contactless Credit card launch by BOB Financial in partnership with IRCTC. This card will enable customers to save on their railway journey and to earn reward points on spending in other categories. With RuPay, we aim to offer customised value propositions backed by cutting-edge technology to provide a rewarding experience to millions of customers. We are confident that this launch is a step ahead to make RuPay the preferred credit card for India.” 

About BOB Financial Solutions Limited  

BOB Financial Solutions Limited was established in the year 1994. It is a Non-Banking Financial Company, wholly owned by Bank of Baroda. The Company’s primary business is in credit cards with its key differentiator being simple, easy-to-understand products that are fairly priced and efficiently serviced. A pioneer in the space of credit cards, BOB Financial offers an array of products catering to all segments of customers. It is leveraging state-of-the-art technology to provide unique payment solutions to its customers. 

For more information, visit www.bobfinancial.com