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Invest in the Future of Cryptocurrency with Borroe Finance's $ROE Token

Blockchain Digest

In the cryptocurrency landscape of 2023, we encounter a blend of contrasting trends. On one side, there is a notable decrease in trading volumes within centralized exchanges (CEXs). The flash crash in the entire cryptocurrency market on August 18, 2023, did not help that situation. On the other hand, a fresh entrant named Borroe ($ROE) has captured the attention of the crypto sphere. Borroe ($ROE) proves that inventive endeavors can garner substantial attention. The ongoing presale has already caused a massive stir within the market. An Advanced Funding Process Enhanced With Massive Profits Borroe ($ROE) stands as the pioneer AI-driven funding marketplace globally, empowering content creators and Web3 businesses to secure funds based on their future recurring earnings such as management fees, subscriptions, royalties, invoices, and retainers. For those investors who are not yet familiar with Borroe, it holds the potential to be a captivating project, presenting new and advanced solutions to the Web3 communities that were previously out of reach. These features and its potential growth make Borroe ($ROE) one of the best cryptos to invest in today. Furthermore, enterprises operating within the Web3 industry can leverage Borroe ($ROE) to capitalize on immediate cash flow. This can be achieved by creating NFT representations of future and outstanding invoices, then offering them at a discounted rate in the Borroe ($ROE) marketplace. Borroe ($ROE) distinguishes itself as the sole global platform that establishes a direct connection between revenue sellers and funders. This creates a quick and straightforward method for both businesses and individuals to instantly finance their ventures using expected future earnings. Consequently, individuals using Borroe ($ROE) will enjoy rapid project execution and the potential to access the essential funds for stock procurement, equipment enhancement, business expansion, marketing investments, and a lot more. These utilities make Borroe ($ROE) a good crypto to buy in 2023. Borroe intends to develop its deflationary token, $ROE, on the Polygon Ethereum sidechain. This strategic move guarantees that Borroe ($ROE) can harness the full array of massive functionalities provided by the Ethereum mainnet. Thus, through the integration of AI, blockchain, and NFT technology, Borroe ($ROE) is poised to establish a groundbreaking benchmark in funding. This innovation will facilitate users to access the necessary funds, accelerate approval procedures, maintain affordability, safeguard user data, and guarantee absolute transparency. >>BUY $ROE TOKENS NOW<< Borroe Achieved Another Milestone with Over 40 Million $ROE Tokens Sold Within the dynamic and constantly evolving cryptocurrency landscape, newcomers often encounter challenges in making significant strides, specifically during periods of market downturn. Nonetheless, Borroe ($ROE) has defied expectations, recording remarkable figures during its presale stage. Following its groundbreaking performance during the Beta Stage, Borroe ($ROE) has progressed to Stage 1 of its presale. In this phase, the token is available for $0.0125, marking a 25% increase from its initial valuation of $0.010. The sale of over 40 million $ROE tokens so far in Stage 1 of the presale proves substantial investor enthusiasm and confidence in the project's potential. Hence, Borroe ($ROE) is undoubtedly the best coin to invest in currently. Additionally, those who seize the opportunity to acquire this exceptional token today stand to gain as much as 220% once it achieves its targeted presale value of $0.040. Learn more about Borroe ($ROE) here: Visit Borroe Presale | Join The Telegram Group | Follow Borroe on Twitter Contact Details Borroe.Finance press@borroe.finance

September 05, 2023 06:21 AM Eastern Daylight Time

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Respond.io Attains Data Security Excellence with ISO 27001:2022 Certification

Respond.io

KUALA LUMPUR, MALAYSIA - Media OutReach - 5 September 2023 - Respond.io, a pioneer in customer conversation management solutions, proudly announces its attainment of the prestigious ISO 27001:2022 certification. This marks a significant milestone in the company's ongoing pursuit of watertight data security, operational excellence and industry leadership. Elevating Standards in Data Security ISO 27001:2022 is a comprehensive standard that guides organizations of various sizes across industries on how to establish, implement, maintain and enhance a systematic data security and risk management system. Amidst the rising prevalence of cybercrime, effectively managing customer data is a daunting task. ISO 27001 guides organizations in cultivating risk awareness, preemptively addressing vulnerabilities and implementing a comprehensive strategy that involves individuals, policies and technology. By attaining the ISO 27001:2022 certification, respond.io not only demonstrates its commitment to safeguarding sensitive customer information but also bolsters its defenses against cyber threats and achieves high standards of operational excellence. This is a company-wide initiative, spanning human resources, which conducts strict background checks during the hiring process, to the tech teams. The latter implemented stringent security procedures, from end-to-end processes to vulnerability handling, and utilized robust cybersecurity technology to ensure continuous ISO compliance by monitoring elements like employee devices even at rest and AWS infrastructure. Any discrepancies will trigger swift alerts for resolution within agreed SLA timelines. The Impact of ISO 27001:2022 Certification on respond.io 's Users and Their Customers Respond.io 's ISO 27001:2022 certification benefits the thousands of businesses that rely on its platform for customer conversations at every stage of the customer journey. This certification reflects high data security standards via a strong Information Security Management System (ISMS), fortifying against breaches and unauthorized access in adherence to internationally recognized standards. Additionally, it offers an effective risk management framework that streamlines operations, reduces disruptions and improves workflow. In turn, businesses can foster trust by assuring customers their data is handled with utmost care and protected by rigorous security protocols. Respond.io 's transparent ISO compliance provides customers with a clear understanding of their data's handling, processing and protection. Championing Trust and Reliability "We are thrilled with our successful acquisition of the ISO 27001:2022 certification, which showcases our dedication to safeguarding user data and secures our position as an industry leader," says respond.io CEO Gerardo Salandra. "Customers are increasingly looking for partners they can trust with sensitive data. Following this, we have rolled out a Trust Center so users can engage with our platform with even greater confidence." The respond.io Trust Center compiles the company's practices, policies, and procedures on privacy, security, and compliance. It is a symbol of transparency and assurance that aims to build confidence among respond.io users. By making its privacy practices and security measures highly visible and accessible, respond.io allows its customers to verify the fulfillment of their respective compliance prerequisites. Interested parties can also subscribe to receive updates on the latest security measures and policies to track continuous improvements. To learn more about how respond.io commits to data privacy and security, visit respond.io's Trust Center. About respond.io Respond.io is a customer conversation management software that enables companies to respond to messages from any channel from one centralized dashboard by teams of all sizes, thus making communication with customers easier, faster and more satisfactory. Over 10,000 companies from 86 countries, including British Airways, Klook, Decathlon, Roche and Bigo use respond.io. The platform processes 120 million messages per month, beating three of its main competitors combined. In 2022, respond.io raised $7 million in Series A funding, led by Headline Asia with participation from AltaIR Capital, Smart Partnership Capital, Sterling Oak Group and Calendula Ventures. In April 2023, the company achieved the prestigious status of a WhatsApp Business Solution Provider (BSP). The company is headquartered in Malaysia. Contact Details Project Lead Polina polina@respond.io

September 05, 2023 02:00 AM Eastern Daylight Time

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Toggle3D.ai secures new revenue source with addition of generative AI photo rendering

Toggle3D.ai Inc

Toggle3D chief product officer Dasha Vdovina joined Steve Darling from Proactive to discuss a significant breakthrough in the company's artificial intelligence (AI) lab for generative AI photo rendering. Vdovina shared how this innovation is set to drive substantial revenue growth as part of the exclusive Toggle Pro Paid Subscription plan. Vdovina explained that this revolutionary AI tool enables users to achieve realistic photo rendering for their 3D models, whether they are pre-textured or not. By uploading a 3D model, the AI rendering tool swiftly generates high-quality 2D images showcasing various texture design concepts for the user's model. The AI technology situates the 3D object within a 2D scene and applies textures based on user-provided prompts. These 2D images offer users a rapid method for prototyping and visualizing different textures, styles, and materials for their 3D models. Notably, this feature holds immense value for professionals, especially designers in the manufacturing sectors, as they prototype designs for diverse products such as furniture, automotive components, machinery, and more. The ability to swiftly experiment with textures and visual concepts can significantly streamline the design process and enhance creativity within these industries. The integration of AI-driven generative photo rendering into Toggle3D's offerings underscores the company's commitment to innovation and providing practical solutions to its users. As this feature becomes part of the Toggle Pro Paid Subscription plan, Toggle3D is poised to provide enhanced value to its customers while capitalizing on the growing demand for advanced AI-driven design tools in the market. #proactiveinvestors #nextech3d.ai #cse #NTAR #otcqb #metaverse #toggle3d #AIPrototy Contact Details Proactive Canada +1 604-688-8158 na-editorial@proactiveinvestors.com

September 04, 2023 01:26 PM Eastern Daylight Time

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Borroe's ($ROE) Presale: Invest Early for Massive Gains - Tokens Now at $0.0125!

Blockchain Digest

The Web3 industry is one of the fastest growing in the world, projected to reach $49.10 billion in 2030. However, the rapid growth of the blockchain industry requires efficient solutions to the myriad of problems that hunt the traditional revenue financing industry. Borroe ($ROE) aims to ease the process of generating short-term capital via a Polygon-powered decentralized marketplace. It uses high-quality risk assessment to create loan opportunities that help power businesses through their day-to-day operations. Curious about Borroe's role in this paradigm shift? Dive into our article to grasp this decentralized finance revolution. >>BUY $ROE TOKENS NOW<< Borroe ($ROE): Bringing Invoice Financing to the Decentralized Finance Sector Borroe ($ROE) aims to boost the range of services the decentralized finance industry offers by being the first blockchain-based invoice financing platform. It also offers on-and-off-ramp crypto and fiat payment solutions. Furthermore, Borroe focuses on providing instant funding, thus eliminating the lengthy delays that are commonplace when raising funds through the traditional finance industry. Borroe ($ROE) is a blockchain-based fundraising marketplace that caters to Web3 creators, businesses, and brands interested in seeking/providing short-term capital. The platform allows users to generate funds by taking loans using their future invoices as collateral. With Borroe ($ROE), subscriptions, management fees, royalties, and other invoices can be collateral for securing loans. Borroe ($ROE) offers an easy, low-risk investment that will help power the growth of the Web3 industry. By providing a real-world use case backed by Polygon's technology, Borroe ($ROE) is gearing up to become one of the best DeFi projects available. Borroe's ($ROE) Fundraising Process Borroe's ($ROE) fundraising process is unique for its speediness. The request and approval process is powered by blockchain technology, thus increasing overall speed and efficiency. The entire fundraising process involves the following steps: Step 1: Get registered and complete the onboarding process. Step 2: Complete an AI risk assessment and receive a credit rating that determines how much funding you can raise. Step 3: Mint a fractionalized NFT that represents the invoices you allocate as collateral. Step 4: Place the NFT for sale on Borroe's ($ROE) marketplace, and buyers will be notified of your NFT offer. Step 5: Receive funding instantly when your loan request is approved. NB: "Sellers" can make their offers more attractive by adding discounts and other special rewards. Borroe ($ROE) vs. Traditional Revenue Financing Several key areas set Borroe ($ROE) apart from its competitors in the traditional revenue space. These key areas include: Instant funding Cheap transaction fees Low-risk investment opportunities with stable and consistent returns On-and-off ramp crypto and fiat payment solutions >>BUY $ROE TOKENS NOW<< Roenomics Explained Borroe ($ROE) has a fixed token supply of 1 billion $ROE. Each $ROE token is taxed at 3% on buys and sells. Token holders get limited voting rights and marketplace rewards for active participation. Buyers also receive special notifications on repeat funding applications and special offers. Borroe ($ROE) represents one of the best crypto coins to invest in because its widespread fame is backed by a highly valuable real-world utility. It is in Stage 1 of its presale after rising by 25% from its Beta Stage price of $0.010. Its current price is $0.0125, but it's expected to rise to $0.040 by the end of its presale - jumping by a remarkable 300%! Learn more about Borroe ($ROE) here: Visit Borroe Presale | Join The Telegram Group | Follow Borroe on Twitter Contact Details Borroe PR press@borroe.finance

September 02, 2023 11:42 AM Eastern Daylight Time

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As Shiba Inu (SHIB) Continues Sliding, Holders Move to the Watchvestor (WVTR) Presale for Outstanding Gains

Total Media

The recent challenges Shiba Inu (SHIB) faced in the wake of the technically troubled Shibarium launch have left investors seeking stability. As SHIB grapples with setbacks, the Watchvestor (WVTR) presale emerges as an appealing alternative. Thus, drawing holders searching for a secure option to safeguard their investments. Invest in Rolex, Patek Phillippe, Richard Mille, AP for as little as $10 Shiba Inu (SHIB): Faces Turbulence The once-buzzing Shiba Inu (SHIB) token is on a downward trajectory, grappling with the aftermath of the technically troubled Shibarium launch. This Ethereum Layer-2 network launch was struck by technical challenges that have raised concerns about the Shiba Inu coin outlook. In fact, the Shiba Inu price saw a gradual rise in the weeks leading up to the Shibarium launch, but after the launch on August 16th, it suddenly dropped. As Shiba Inu struggles to regain its footing, the incident has underscored the significance of technical stability and flawless execution. Furthermore, Shiba Inu still lacks any intrinsic value or utility. As a result, holders now look for alternative projects that could yield them more gains in the future. Watchvestor (WVTR): A Beacon of Opportunity Amid the challenges faced by Shiba Inu, the Watchvestor (WVTR) presale emerges as a rising star. This innovative platform addresses and resolves many issues plaguing the luxury watch market. Therefore, ushering in a new era of inclusivity and innovation for all interested in joining this industry. Firstly, as we all know, owning a luxury watch often demands a significant upfront investment. But, Watchvestor addresses the high-cost barrier by tokenizing luxury watches, allowing investors to own fractional shares. In other words, Watchvestor will mint an NFT backed by an actual watch and then fractionalize it. As a result, users can purchase it for prices as low as $10. Additionally, verifying the authenticity and provenance of luxury watches can be challenging, leading to uncertainties and risks for potential buyers. However, Watchvestor will place all certificates and watch serial numbers in the NFT metadata. Therefore, instilling trust and faith in the community as a watch's entire lifecycle is available in a decentralized digital ledger. The WVTR token lies at the heart of the Watchvestor ecosystem, serving as a utility token. Holding this token will bring benefits such as discounts, governance, and more. Currently, one WVTR token has a value of just $0.03 as it is in Stage 1 of its presale. But, thanks to its low market cap, many analysts foresee a jump to $0.35 soon - leaving Shiba Inu in the dust. Find out more about the Watchvestor (WVTR) Presale Today Website: https://watchvestor.com/ Telegram Community: https://t.me/WatchvestorOfficial Contact Details Watchvestor Press Team press@watchvestor.com

September 02, 2023 11:38 AM Eastern Daylight Time

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Harnessing the Power of Utilities ETF “XLU”: A Key Player in a High-Demand Market

Select Sector SPDR

In an era where electricity demand is strong and growing, the utilities sector has emerged as a crucial player in the economic landscape. The Utilities Select Sector SPDR Fund ( XLU ) offers focused exposure to this key sector of the economy and everyday life. It is comprised of all the utilities companies in the S&P 500. Most people pay their power bill directly to the provider which eliminates any intermediaries. This steady stream of revenue is reliable because customers are generally prompt with their payments to avoid any disruptions in their essential services like lighting, television, or internet provided by the utility. Driving Forces Behind XLU The top 10 holdings* of the Utilities sector ETF, XLU, have all the key players in the industry, and they represent nearly 60% of the fund. The top holding is NextEra Energy and represents 14.78% of the ETF, followed by Southern Co. at 8.08%, Duke Energy at 7.49%, Sempra Energy at 4.83%, Dominion Energy at 4.44%, American Electric Power Co. at 4.41%, Exelon Corp. at 4.36%, Constellation Energy at 3.70%, Xcel Energy at 3.44%, and Consolidated Edison at 3.37%. XLU holds 30 public utility companies in total. The built-in diversification comes from the fact the companies represent every part of the U.S., so mitigation of one underperforming utility won’t upset the apple cart. Utility companies have embraced and deployed renewable energy sources for both the sake of the environment and for the bottom line. Increased Demand for Electricity Furthermore, the increasing demand for electricity is another factor driving the growth of the utility sector. With the widespread adoption of electronic devices and electric vehicles across the nation, the need for electricity is steadily rising. The high demand for electricity across multiple industries poses significant opportunities for all utility companies. They must adapt to meet the rising energy requirements, invest in infrastructure upgrades, and expand their generation capacity. XLU maintains a reliable exposure to large cap utility companies. With more than $14 billion in assets under management and a reasonable 0.10%** expense ratio, it is a sector that everyone depends on to keep the lights on. Significant daily trading volume keep spreads low, which helps investors both buying and selling the ETF. For investors truly seeking a diversified portfolio, the utility sector represented by the index fund XLU could be a brick in the wall of their holdings. Keeping the lights on and customers paying for that service has a bright future. DISCLAIMER: This is a work of research and should not be taken as investment or financial advice. Therefore, Select Sector SPDRs or the publisher is not liable for any decision made based on the publication. About the Company: Select Sector SPDR ETFs offer flexibility and customization opportunities. Many investors have similar outlooks, but no two are exactly alike. Select Sector SPDR ETFs let investors select the sectors that best meet their investment goals. * Holdings, Weightings & Assets as of 8/31/23 subject to change ** Ordinary brokerage fees apply DISCLOSURES The S&P 500 Index is an unmanaged index of 500 common stocks that is generally considered representative of the U.S. stock market. The index is heavily weighted toward stocks with large market capitalizations and represents approximately two-thirds of the total market value of all domestic common stocks. The S&P 500 Index figures do not reflect any fees, expenses or taxes. An investor should consider investment objectives, risks, fees and expenses before investing. One may not invest directly in an index. Transparent ETFs provide daily disclosure of portfolio holdings and weightings All ETFs are subject to risk, including loss of principal. Sector ETF products are also subject to sector risk and nondiversification risk, which generally will result in greater price fluctuations than the overall market. Diversification does not eliminate risk. An investor should consider investment objectives, risks, charges and expenses carefully before investing. To obtain a prospectus, which contains this and other information, call 1-866-SECTOR-ETF (732-8673) or visit www.sectorspdrs.com. Read the prospectus carefully before investing. ALPS Portfolio Solutions Distributor, Inc., a registered broker-dealer, is distributor for the Select Sector SPDR Trust. Media Contact: Company: Select Sector SPDRs Contact: Dan Dolan* Address: 1290 Broadway, Suite 1000, Denver, CO 80203 Country: United States Email: dan.dolan@sectorspdrs.com Website: https://www.sectorspdrs.com/ *Dan Dolan is a Registered Representative of ALPS Portfolio Solutions Distributor, Inc. ALPS Portfolio Solutions Distributor, Inc., a registered broker-dealer, is the distributor for the Select Sector SPDR Trust. SEL006831 EXP 10/31/23 Contact Details Dan Dolan dan.dolan@sectorspdrs.com Company Website https://www.sectorspdrs.com/

September 02, 2023 08:00 AM Eastern Daylight Time

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Seize the Opportunity: Borroe's ($ROE) Presale Set to Skyrocket by 300%!

Blockchain Digest

Amidst the ever-changing world of cryptocurrencies, a particular token has captured the interest of experienced investors and enthusiastic newcomers alike: Borroe ($ROE). As a prominent player in the Web3 revolution, Borroe is distinguishing itself through its innovative blend of artificial intelligence (AI) and NFTs. Willing to learn more? Let’s dive into the details! >>BUY $ROE TOKENS NOW<< How Borroe ($ROE) Operates Borroe’s ($ROE) platform displays the team's visionary outlook and unwavering commitment to transforming how businesses obtain funding within the Web3 space. Through the ability to tokenize projected revenue streams and trade them for immediate financing, Borroe ($ROE) is forging a new model of value exchange. Leveraging an AI-powered risk evaluation system and persistent dedication to security, Borroe's platform enables businesses to quickly and effectively secure capital, simultaneously granting investors an exclusive avenue to participate in the Web3 evolution. These capabilities are what make Borroe $ROE) a good crypto to buy today. The emphasis Borroe ($ROE) places on transparency, and security is intensely revealed through its smart contract assessment performed by BlockAudit. This intense evaluation guarantees the platform's code is reliable and secure, boosting confidence among investors and users. Borroe's unwavering commitment to upholding best practices and pursuing regulatory compliance distinguishes it as a reliable and progressive project within the shifting regulatory space. Borroe’s Growth in a Challenging Market The potential of Borroe ($ROE) experiencing remarkable growth becomes even more pronounced as the general market navigates through a bearish market. Borroe ($ROE) tokens are being acquired by investors. On their part, analysts envision an impressive growth rate of 300% in 2023. This forecast underscores the unique value that Borroe ($ROE) brings to the table, its resilience technological foundation, and the market's keen appetite for advanced solutions within the Web3 space. By smoothly integrating AI and NFTs, Borroe ($ROE) expertly tackles the liquidity obstacles confronted by Web3 businesses, offering investors a chance to participate in a transformative shift in how value is created and exchanged. These use cases make Borroe ($ROE) the best crypto investment in 2023. >>BUY $ROE TOKENS NOW<< Tokenomics and Presale The structure of Borroe's ($ROE) tokenomics has been expertly designed to establish a resilient and lasting ecosystem that supports growth and worth for both investors and participants in the market. With a total token supply of 1,000,000,000 hosted on the Ethereum sidechain Polygon, Borroe's tokenomics have been perfectly created to support strategic advancement and mass adoption. Functioning as a utility token, $ROE opens up a world of benefits and possibilities for its holders. $ROE gives holders exclusive notifications about new sales on the Borroe NFT marketplace. Holders also enjoy recurrent funding applications benefiting from discounted fees and accessing premium features like advanced analytics and priority customer support. $ROE token investors are strategically positioned at the forefront of Borroe's financial ecosystem. Borroe’s ($ROE) ongoing presale is a chance for investors to grab a stake in the future of web3 financing. Currently, Borroe is in Stage 1 of the presale, with tokens valued at $0.0125 per $ROE, a 25% increase from the Beta price of $0.010. These massive gains make Borroe ($ROE) the best coin to invest in today. Early investors are set to enjoy a 300% return on their investment once Borroe ($ROE) reaches its presale target price of $0.040. With later stages offering more opportunities to invest, this presale invites investors to be a part of a transformative system that integrates NFTs, AI innovation, and blockchain technology to help restructure the business funding space and reshape value exchange within the Web3 industry. Learn more about Borroe ($ROE) here: Visit Borroe Presale | Join The Telegram Group | Follow Borroe on Twitter Contact Details Borroe PR Team press@borroe.finance

September 01, 2023 02:03 PM Eastern Daylight Time

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Crossword Cybersecurity "fully funded" for path to profitability

Crossword Cybersecurity PLC

Crossword Cybersecurity PLC (AIM:CCS) CEO Tom Ilube speaks to Thomas Warner from Proactive after the company released its first-half update. He says that the company has published positive trading figures and is well on track to meet market expectations for 2023. Notably, 2024 holds the promise of substantial growth, with revenue projected to reach around £8 million and a strategic move towards profitability in the latter half of the year. Ilube emphasises the organisation's resolute commitment to achieving this through organic growth, rather than by relying on acquisitions. Crossword Cybersecurity has secured over £2 million in loan notes, ensuring ample funding to sustain its trajectory towards profitability, with an option to raise up to £2.5 million if needed. Ilube outlines the company's strategy, which entails growing revenue while maintaining a static cost base, reducing costs as a percentage of revenue by 50%. The focus is also on higher-margin business segments and key accounts that can leverage a broader range of Crossword's products and services. He also suggests that the company is at the forefront of exploring the potential of generative AI in the cybersecurity landscape, collaborating closely with major clients and academic partners to innovate in this rapidly evolving field. Contact Details Proactive UK Ltd +44 20 7989 0813 uk@proactiveinvestors.com

September 01, 2023 08:36 AM Eastern Daylight Time

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One Media iP Group "continues to move in the right direction"

One Media iP Group PLC

One Media iP Group (AIM:OMIP) chief executive Michael Infante speaks to Proactive after releasing the digital music rights acquirer, publisher and distributor's interim results. He highlights the recent emphasis by the company on developing the TCAT (Technical Copyright Analysis Tool) SaaS platform with a view to spinning it out when the time is right. TCAT, initially a small project within One Media IP, has emerged as a significant player in the fight against piracy. Stewart highlighted that piracy has historically plagued the music industry and has evolved with digital platforms. TCAT's solutions include Tcat Sentinel, which ensures global digital streaming platform coverage, Tcat Protect for identifying and reporting illegal music, and Tcat Insight to ensure accurate songwriter accounting. He also gives his take on how the rest of the business has been performing and what investors can expect from it in the future, saying that One Media "continues to move in what we believe to be a very optimistic and right direction." Contact Details Proactive UK Ltd +44 20 7989 0813 uk@proactiveinvestors.com

September 01, 2023 08:07 AM Eastern Daylight Time

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