Tino Herold’s Post

📋 𝗗𝘂𝗲 𝗗𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗖𝗵𝗲𝗰𝗸𝗹𝗶𝘀𝘁 𝗳𝗼𝗿 𝐌&𝐀 Due diligence providers need to go beyond their standard reporting checklists and expand their assessments in three key areas: ▶ 𝗖𝗮𝘀𝗵 𝗳𝗹𝗼𝘄𝘀. Stress test a company’s ability to sustain losses and maintain sustainable liquidity and cash. ▶ 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗶𝗻𝗴 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝘀𝗼𝗳𝘁𝘄𝗮𝗿𝗲. Upgrade to more sophisticated enterprise resources planning (ERP) systems, which let you extract and analyze greater amounts of data at a quicker pace. ▶ 𝗦𝘁𝗿𝗲𝗻𝗴𝘁𝗵 𝗼𝗳 𝘁𝗵𝗲 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗯𝗮𝘀𝗲 𝗮𝗻𝗱 𝘁𝗵𝗶𝗿𝗱-𝗽𝗮𝗿𝘁𝘆 𝘃𝗲𝗻𝗱𝗼𝗿𝘀. Analyze a company’s business segments and product lines to identify the range of exposure to potential issues and determine where risks lie. Sharing Dealroom’s Due Diligence Checklist that covers: ✅ Tax ✅ Legal ✅ Financial ✅ Marketing ✅ Commercial ✅ Human Resources ✅ Intellectual Property ✅ Information Technology ✅ Environmental, Health and Safety ✅ Compliance and Regulatory Matters Make sure to add the three key areas above to accurately assess and vet potential acquisition targets given the economic climate and the possibility of a recession. Credit: Herwig Springer

How to deal with stress at work? Today, Harris asks: — “How can I stop stressing about everything that's happening at work?” — Welcome to Episode 180 of AskMatty! Here’s my answer, Harris: — Ready with pen and paper? Let’s dive in! 1.    So, grab pen and paper. Draw a line down the middle to create two columns. On the left, write: →    What I can control On the the right, write: →    What I can’t control I’m not joking — Do it! :) 2.    Now take a few minutes to think about your work life. Under “What I can control”, jot down things like: →    How I respond to feedback →    My attitude toward my tasks →    The effort I put into my projects →    How I manage my energy and time Then, under “What I can’t control”, write things like: →    Office politics →    Other people’s attitudes →    Unexpected changes in plans →    What my boss thinks of my work We can’t control all of that, right? 3.    Now, look at your lists. Focus on the items in the “What I can control” column. Choose one or two that you can take action on this week. For example, let’s say you wrote down: →    How I respond to feedback Now, instead of getting defensive when you get feedback, you could: →    Take a deep breath and consider their perspective →    Say “Thanks for your input! I’ll think about how I can improve.” Got it? Now your question is: →    Um, Matty, why should this exercise work? Because it helps you shift your focus from: →    what’s stressing you out to →    what you can actively change When we focus on what we can change, we immediately feel better. Why? Because we can see our improvement. And when we see our improvement, we start feeling fulfilled. And there is no “bad stress” with fulfillment :) — Alright! Thanks for your question, Harris. Question of the day: →    What makes you feel fulfilled when the day’s over? Let me know in the comments :) “Let’s build a more inclusive world by spreading wellbeing globally!” – Matty

Artificial Intelligence (AI), particularly Generative AI (GenAI), is transforming the landscape for students, teachers, engineers, and businessmen alike. The power of GenAI is becoming unstoppable, as it continues to evolve, offering quicker, easier, and more powerful tools for various professions. For students, AI aids in personalized learning, helping them grasp complex concepts, automate tedious tasks, and access a vast array of resources that make learning more engaging and effective. Teachers leverage AI to craft tailored lesson plans, assess student progress efficiently, and enhance classroom experiences through interactive tools and virtual simulations. Engineers benefit from AI in automating design processes, optimizing workflows, and solving complex problems with innovative solutions. Meanwhile, businessmen are using AI to streamline operations, enhance decision-making with data-driven insights, and reach new levels of efficiency in everything from marketing to supply chain management. The speed at which GenAI is advancing has made it an indispensable resource across all sectors, unlocking new possibilities and revolutionizing how we approach work and education. Video credit and rights are reserved for the respective owner. #honestai #honestaiengine

UAE: New Etihad Rail passenger train station in Fujairah revealed The 900km-long Etihad Rail, when completed, will connect all seven emirates and 11 major cities from Ghuweifat to Fujairah and beyond #khaleejtimes

This is huge! Elon Musk just introduced the Tesla #CyberCab, an autonomous car that can drive people by itself 😳 According to Elon, anyone will be able to buy the CyberCab and owners could manage a fleet of "robotic taxis" that can drive people around cities. The CyberCab will be priced around $30,000 and will allow owners to make money the same way you would make money with Uber. The best part? The owner would never need to drive the car 🚕 Musk said he's optimistic the #Tesla CyberCab could go into production as soon as in 2026 👀 The future is finally looking like the future. Fascinating times. P.S. for more great stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.

𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝘃𝘀. 𝗢𝗽𝘁𝗶𝗺𝗶𝘇𝗮𝘁𝗶𝗼𝗻: 𝗞𝗻𝗼𝘄 𝘁𝗵𝗲 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 Think of a caterpillar: does it crawl faster, or does it become a butterfly? That’s the difference between optimization and transformation. 1. 𝗢𝗽𝘁𝗶𝗺𝗶𝘇𝗮𝘁𝗶𝗼𝗻 🐛: Fine-tuning what you have to make it run more efficiently. • Efficiency: Focused on improving current systems. • Incremental Gains: Small but impactful changes. 2. 𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 🦋: A complete overhaul that changes the way you operate. • Dynamic Change: Shifting resources and processes. • New Models: Driven by digital innovation. 𝗧𝗵𝗲 𝗢𝘃𝗲𝗿𝗹𝗮𝗽: Both use technology and innovation, but optimization improves the present, while transformation builds the future. Which one are you focused on? Source: Jeff Winter

Tesla with #ElonMusk presented the #CyberCab here is a 5min Cut of the #Event #tesla #onemorething

After re-shaping both #fintech and #ecommerce, can Buy-Now-Pay-Later now challenge card payments? Let’s take a look.   #BNPL owes its success to its double appeal to consumers and merchants. For consumers it’s convenience through a streamlined, low-friction, integrated check-out experience, whereas for merchants it's boosting conversion rates and average order value.   As a result, what started as a niche offering is now a multibillion industry worth globally about $US316 billion only on the e-com side (2023 figures, source: WorldPay).   But can BNPL really challenge credit cards?   Let’s start from the basics: both credit cards and BNPL are unsecured consumer credit, however there is a big difference in terms of risk underwriting: whereas the risk assessment for credit cards takes place ahead of the purchase and is based on hard, income-sided facts, BNPL manages credit risk by accessing alternative #data sources in real-time that enable instant approve/decline decisioning.   Depending on market dynamics BNPL can be card-based or not, which can be a significant adoption driver for consumers with no access to credit cards, like young generations (the model’s most active customers).   Despite its fast ascend, BNPL accounts today (source: WorldPay) for only 5% of the global e-commerce #payments market compared with 15% for credit cards and 8% for debit cards. On the POS side the numbers are even less favourable with BNPL at 1% vs 22% for credit cards and 18% for debit cards.   However, seen from a future perspective BNPL is best positioned to benefit from the declining use of cash globally: it is expected to grow significantly both on e-com and POS. In markets like the Nordics it has already reached double-digit e-commerce market share figures (in Sweden, Klarna’s home market, BNPL has a 25% market share).   BUT BNPL has 2 main disadvantages vs credit cards: 1.    Its inability to offer credit-card like rewards like return points, miles or cash backs. 2.    Relative (vs credit cards) limited acceptance on the merchant side   Nonetheless, there is a creative work-around to these issues: virtual cards.   The trick is the following: virtual cards tied to BNPL offerings, which can act (and be accepted) as normal credit cards.   Benefits: -      Work across merchants -      Lose the acceptance problem (BNPL acceptance becomes credit card acceptance) -      No difference to the typical BNPL benefits for both consumers (i.e. partial payments) and merchants (advance payment in full) -      Additional flexibility for consumers   As the market evolves, BNPL will be transforming itself to adjust, primarily across 3 main directions: 1) moving away from pure Pay Later plays and into more holistic payment strategies 2) fully integrated experiences, embedded across verticals using big data and AI for hyper-personalization 3) focus on the POS financing opportunity.   Opinions: my own, Graphic sources: EY & Prove, Medici

The world and India have just lost Ratan Tata. A giant and a visionary who redefined modern India's path 💔🇮🇳 He built a $300 billion empire and discreetly donated over $100B to keep off the "billionaire's list". Owner of #Jaguar and #LandRover, and India's airline, steel, retail, car, and tech sectors, Ratan was a man with zero haters, a towering figure, and a visionary who transformed the course of modern India forever. This quote of his really hit me hard: "Never underestimate the power of kindness, empathy, and compassion in your interactions with others" - Ratan Tata Ratan Tata’s legacy will live on in the hearts of millions. 🙏

How to beat imposter syndrome at work? Today, Hannah asks: — “How can I stop imposter syndrome from messing with my confidence at work?” — Welcome to Episode 177 of AskMatty! Here’s my answer, Hannah: — We’re lucky today! Part of the answer is already in your question: →    Confidence Let’s see how we can use the CCIA method. It helps build confidence and overcome imposter syndrome. 1.    C — Committed If you haven’t set a work goal yet, start with something small you can stick to. Just show up for that goal. It doesn’t have to be huge. It can be as simple as: →    Spending 5 minutes a day organizing your emails →    Reviewing and re-prioritizing your to-do list Even better if your small goal connects to something bigger. Like improving your overall productivity at work. Got it? Just a small goal — and commit to it. It’s definitely gonna build your confidence. 2.    C — Consistent What about combining commitment with consistency? When we’re consistent, we start to believe in ourselves more. So, try not to skip more than two days in a row. If you miss a day or two for some reason, that’s totally fine. Just pick up where you left off. We need to balance “being disciplined” with “being self-kind.” The important thing is to keep showing up. Even if you encounter some setbacks or distractions along the way. Got it? :) 3.    I — Imperfect Perfectionism and imposter syndrome are often close friends. So, let’s remember: →    Perfection is just a myth Both in life and the workplace. It’s okay to take “imperfect actions.” We’re here to learn and grow! Your project doesn’t have to be flawless every time. Whether it’s a presentation or a report, remember this: →    It’s okay if it’s not perfect What matters is that you’re making progress and learning. And by the way, what I just said to you is something I also remind myself. I used to be a bit of a perfectionist… :) 4.    A — Action There’s no “building confidence” without taking action. So, take action! Even when you feel like your work isn’t up to par. Even if you find yourself doubting your skills. Even if your progress seems slow. It’s all about practice and improving over time. Taking action, even in small ways, can feel empowering. And that feeling of empowerment is gonna build your confidence. Promise! That’s it. This is how to beat imposter syndrome using the CCIA method. — Alright! Thanks for your question, Hannah. Question of the day: →    On a scale from 1 to 5, how consistent are you? Let me know in the comments :) “Let’s build a more inclusive world by spreading wellbeing globally!” – Matty