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Board Moderator(s) Needed. Positive developments are happening at HADV, but the information in the i-Box is outdated. It would be helpful to HADV shareholders to understand the current status of the company at a glance by new moderator(s) removing obsolete material and replacing with new material, plenty of which is positive. Remember that the HADV is now PINK Current Information tier as well. Good quality disclosure documents now at OTC Markets - clear, easy to follow.
New logo emerges in preparation for refreshed corporate positioning. First launch product will be described soon. The top priority is to protect shareholder value by completing update of filings, thereby qualifying for OTC Pink Current Information Tier. Progress reports will be provided during the preparation of these filings so that shareholders are not left guessing.
Health Advance is well situated to deliver satisfaction to current shareholders. The company will take a realistic view of business opportunities and avoid ridiculous complicated concepts that can't ever be monetized. New business operations are being planned now.
Yes, it is big. The most impressive thing of all is the new attitude that will emerge going forward. Long term existing shareholders will notice a difference. There will be good communication - shareholders will have a realistic sense of what their company is doing. It will be fun for shareholders to follow developments.
Health Advance has interesting plans to generate business revenue and profit. They are realistic, not "pie in the sky". InfoAssistant is helping company management to organize improved disclosure for a fresh start with shareholders. More information will be coming shortly. In the meantime, accounting is being carried out to catch-up with filings and to become Pink Current Information Tier under OTC Alternative Reporting Guidelines.
Hello - Yes, the company webpage will be expanded as new operations are geared-up. The company will keep its information realistic, rather than hyped-up. InfoAssistantOTC is a consultancy focused on improved communication with shareholders. The goal is to keep it real. If it isn't, then we won't continue.
The company today updated its web page with a new logo. Everything about the company is being refreshed. Health Advance is definitely moving into a new phase and will be doing real things - not just talk.
TERRIFIC BUSINESS PLAN OVERVIEW ON DIGAF INVESTOR WEBSITE!
Live Link: PDF
Digatrade stands head and shoulders above its peers in the OTC environment by laying out such an ambitious, detailed and patent-pending Fintech growth plan. The company has profound upside potential - complete with experienced management and audited financials with impeccable compliance as an SEC reporting issuer.
New corporate blog posting about Digatrade/Securter fintech and their market sector:
Link Digatrade Blog Page
Digatrade has entered the fintech marketplace. Our first step is to establish alliances with financial institutions who will benefit from our patent-pending anti-fraud technology to protect online credit card transactions. Our expertise will also be applied to increasing privacy for cardholders and merchants, and even eventually increasing the safety and security of cryptocurrency-to-conventional store purchases by credit card. There are many improvements possible in this leading edge of the world’s payments systems.
What most people don’t realize is the vast scale of the problem to which we are contributing our fintech solutions. The average person may think that unauthorized use of credit cards has been contained. Wrong – it is growing larger than ever. The rate of growth will accelerate further because online transactions are by far the most popular growth category for credit card transactions.
The following are only some of the many reasons why this massive market can bring Digatrade/Securter explosive growth when our institutional partnerships become operational:
- Losses due to credit card fraud are now estimated at over U.S. $3 Million PER HOUR, on average, around the clock. That’s $25 Billion per year.
- Of the world total, half of this occurs right here in the USA.
- Of all Americans, almost 50% have already personally experienced some form of credit card fraud against themselves.
- There is a new identity theft victim every two seconds in the USA.
- Now it is not just credit cards -debit card fraud has hit over 20% of Americans over the past 5 years. Digatrade/Securter protective technology is applicable across a variety of card types.
- Big hacking of merchant data bases is now huge; hundreds of millions of personal records have been compromised. It is estimated that approximately 2,000 MAJOR hacks occur per year now.
- The introduction of EMV upgrades in 2015 reduced in-store fraud, but has not dealt with online fraud.
- You are not safe at any age – this crime does not discriminate.
- You are not safe in any gender. Lifestyle choices bring no safety, no matter who you are, what job you have or where you live.
- The average personal loss exceeds $1,000. This number keeps growing.
- It’s not just identity theft – fraudsters use other methods too, in over 80% of cases.
- Not all breaches are in business – healthcare/medical has been a large sector too.
- Card-Not-Present online credit card fraud accounts for approximately half of all problems.
- Credit card skimming technology (used when you let go of your card) continues to become more sophisticated.
Digatrade/Securter has the business plan advantage that our customers, financial institutions who handle the world’s payment systems, are always interested to learn more about how they can reduce their losses.
Our fintech category of business has been exceptionally lucrative for new entrants and investors with proprietary systems – a distinction for our sector that is growing.
The fact that Digatrade/Securter is incorporating cryptocurrency capabilities into the company’s fintech plans places it on solid ground for profound growth of shareholder value in the short term, medium term and long term.
Fintech is not a trend – it is becoming the world’s largest financial enterprise, and we are positioning ourselves to be in the heart of it.
...
Sources and Additional References:
United States Federal Trade Commission
Javelin Strategy
U.S. Department of Justice
The Nilson Report
Quartz
Aite Group
ACI Worldwide
Gemalto
Breach Level Index
Credit Donkey
New Investor Briefing Describing Digatrade's Securter technology in more detail:
ORIGINAL BLOG ENTRY LINK
Digatrade’s website has an investor services page featuring investor-focused information, www.DigatradeFinancialInvestor.com.
The information there includes a frequently updated official blog providing Digatrade background information in plain language to supplement SEC filings. Such a blog is easily understood and concentrates on specifics that are relevant to shareholder interests. The purpose of the blog is to impart genuine understanding to our shareholders, present and future, of DIGAF activities, and the reasons for them.
Today’s topic is a brief overview of the technology of Digatrade’s Securter Systems subsidiary – and why/how DIGAF shareholders can benefit from its introduction.
In the most basic terms, Securter’s technology is designed to reduce fraudulent online credit card use. There are thousands of digital payments per second globally now. This is projected to grow immensely. The payments industry is engaged in a never-ending cat-and-mouse chase to root out misuse of credit card information by hackers and criminal elements. Losses are in the billions every year. Unfortunately for the industry, the problem is still worsening because of the sheer scale, speed and diversity of transactions occurring. Furthermore, the number of high-dollar-value credit card transaction sizes has grown over the years as credit cards become increasingly popular for large ticket items, internationally. Additionally, the range of cardholder types is increasing, including a greater diversity of ages, lifestyles, geographic locations, number of cards operated per person and business uses. For these reasons, and more, it is difficult for credit card companies to balance the desire to provide convenience to cardholders and merchants on the one hand, with unintrusive authorization algorithms on the other. In other words, legitimate consumers are intensely annoyed by declined payments, but are equally annoyed by fraudulent card use of their card information by others. This puts the payments authorization process into a constant dilemma weighing these factors, in hundreds of billions of digital payment authorizations annually. Digatrade/Securter is part of the solution.
Securter’s patent-pending technology can be thought of as a series of concentric circles, with a bull’s eye in the middle, as ground zero. Then, expanding outward, there are aspects of Securter technology that become further removed from the original core purpose, but are still relevant, eventually expanding into integration of cryptocurrency functionality, and other elements. This discussion centers on the original core premise in the bull’s eye of Securter technology.
At its starting point, Securter makes it unnecessary for consumers to to give their personal information or credit card details to online vendors for card-not-present online transactions (“CNP”). Despite this convenience, Securter transactions are as safe, or more so, than in-store authorized purchases made by the card owner with pin number. In other words, Securter is a technology-based technique, consisting of a combination of hardware and software integration, that utilizes the general principal of multi-factor authentication (MFA), using a combination of information from different independent and reliable sources (for example “something you have” and “something you know”) to authorize the transaction. As Securter’s Vice-President of Research and Development, Andrei Grenader, puts it, “Securter utilizes the strongest type of security authentication based on EMV Cryptogram, that uses bi-directional verification and smart token generation, compared to one-time tokens (hardware security tokens) that also can be generated by EMV protocol, but with significant security and practical disadvantages.” The bottom line is that it helps give individuals or businesses who buy things online significantly enhanced privacy of personal data, including privacy even of credit card number, to meet or exceed the in-store purchase safety.
The Securter system user enjoys this convenience wherever they are, including when travelling. This can greatly reduce losses experienced by all parties that arise from fraudulent “card-not-present” transactions. The opportunity for data theft and abuse is greatly reduced, because the disclosure to merchants and some other parties of credit card details (and other personal information), is eliminated in the Securter system. Even 3rd party payment portals currently store such information, however this would be made unnecessary with Securter.
The research leading to Securter’s patent pending priority rights takes into account the “prior art”. Our team has been careful to know what was “out there” in the industry already, prior to the application being filed.
Our innovations in this particular core activity, establish new qualities in the areas of:
- Methods for managing smart card transactions consisting of one or more communication interfaces for connecting to processors of vendors, customers and payment server processors (whether or not they are configured to perform smart card reader terminal tasks);
- Encryption and decryption techniques for the confirmation that is transmitted to the vendor processor and the customer processor;
- Communications channels;
- How to not store private information required for verification of smart cards;
- How to select a Payment Service Provider from all available PSPs to convey details of the transaction and the cryptogram, for each transaction;
- How to be responsive to an estimated charge for carrying out the transaction;
- How to deal with varying response times of applicable PSPs;
- Smart card reader and interface design;
- Methods to store information (memory) of authentication codes;
- How to refuse to operate with transaction details that are non-compliant;
- How to combine differing hardware configurations seamlessly to the user experience;
- How to share relevant data safely amongst multiple stakeholders only in accordance with their needs.
The business opportunity for DIGAF shareholders in this premise is two-fold. Not only can these security benefits generate fee sharing with payment service providers in the world’s payments system, but it also creates a Digatrade fintech branding opportunity. Securter will be visible to consumers because it will be identified as the branded protocol being used. Industry experts have said: “…. issuers and networks must ensure brand acceptance across the key digital environments (e-commerce, in-app, “tap & pay” at the POS), particularly for bank wallets…” (McKinsey 2018).
This means that Digatrade (DIGAF) will not be a “quietly in the background” technology company. Digatrade will be known for its fintech brands, of which Securter is the launch position.
The points above describe where our innovation is already relevant enough that we can realistically discuss affiliate partnership agreements with payment service providers.
There is additional technology and business strategy planning at Digatrade. This will be discussed at the Digatrade Investor Blog soon.
New DIGAF Investor Website Blog Post: Subject: Fintech Successes and Digatrade
LINK TO ORIGINAL POST
"Everyone likes money. But technology that handles money is what’s really popular these days. The rise of “fintech,” or, financial technology, has unleashed a new breed of apps, sites and services designed to help consumers pay for goods, get loans and manage their retirement accounts. Fintech is a multi-billion dollar industry, with startups in the US raising around $18 billion since 2015, according to PitchBook and nearly 1,400 venture capitalist-backed deals. Two of the most valuable startups in the country — Stripe and SoFi — are in the fintech sector. And there are 11 fintech startups valued at more than $1 billion." Quotation Sources, Business Insider/Inc.com.
It’s easy to be cynical about the success prospects of any early stage enterprise aspiring to break through obstacles, and soar. Most don’t make it. However, some do. This is the nature of the hunt by early stage investors – finding companies with the right indicators predictive of success, like Digatrade.
In a future blog, we will set out the reasons that Digatrade (DIGAF), in particular, has what it takes. For now, let’s start with the foundation – the sector that DIGAF is in.
Question: Is this sector, “fintech”, really capable of still producing dramatic successes, or have all the early stage opportunities been “used up” since “PayPal” (the fintech success that we all know about}? It’s a reasonable question. Answer: As a sector, fintech has much better odds than most to generate extraordinary success, and growth in valuation, under the right conditions.
There is a characteristic that fintech successes have in common. It is factor that is almost unique to fintech as a sector. This factor is not available to even the largest consumer product giants, airlines, military industries, food business or energy sector. Fintech is special because it has extraordinary leverage between capital and labor that favors the investor. Only in fintech, and particularly in the payments end, can infrastructure deliver such dramatic productivity and reach out over a global operational landscape so efficiently, dealing with any human being who is a buyer of anything, anywhere, electronically.
In the payments area of fintech, we are not selling consumers anything. We leave that to the rest of the world’s consumer businesses to battle out competitively between themselves. In fintech payments, we are calmly waiting for vendors and customers to sort out the messy part of agreeing on the product, the pricing, the delivery, etc. When all of that is already accomplished, we simply facilitate the transaction with an electronic payment technology and are rewarded for providing that service. We don't have to wait long. The world’s payments system now processes thousands of consumer purchases per second – and there is much room for growth. These are still early days. This is a deep insight for our shareholders. We are not caught-up in consumer product trends and personal tastes. We have the pleasure of serving consumers who have already decided to buy something from someone, somewhere – and it does not matter to us what that is. It only matters that they pay electronically. Then we are in the game.
The fintech sector is mostly based on electronic systems that generate a multiplier effect of fees that are shared by processors and their partners. In fintech, it is possible to aggregate even fractions of a cent hundreds of millions of times with no human intervention, as the revenue is “harvested” by computers, then tabulated and recorded as a flow of money. In fintech, particularly the payments security dimension, we focus on making it easier for the consumer to spend more money, more easily, more often, with more safety. That’s all. It’s a matter of intelligence, programming skill and attention to detail. The big “but” is that our level of expertise in these three key qualities must be extraordinarily high. That’s good for Digatrade, because the more you get to know us, the more you will see that we have the skill sets required.
Now the fun part. Let’s go through a quick primer on some fintech initiatives that you may, or may not, have heard of that converted fintech’s unique characteristics into business initiatives that have each achieved valuations of over a billion dollars. If any one of these founders had promised their earliest investors that they would now have a billion dollar valuation, the familiar skepticism would be present, and understandable. Nonetheless, these are facts. This is the real world, not merely dreams. This is the world in which Digatrade will be operating going forward – the world of “financial technology” entrepreneurism. Fertile ground for success.
(In Reverse Order. All figures subject to change in value and method of calculation)
11. Clover Health — $1.2 billion
“Clover..aims to use data to improve its users’ health. The company analyzes patient data to identify gaps in care and potential medical issues, in order to prevent emergencies which might be costly to the insurance provider”
10. Kabbage — $1.3 billion
“The company currently has more than 100,000 clients, and has lent more than $3.5 billion to small and medium sized businesses since it launched.“
9. Robinhood — $1.3 billion
“Robinhood, which was founded in 2012, is popular with Millennials who appreciate the $0 commission fee on its trades. Despite rejecting the common revenue model of its legacy competitors like Charles Schwab and E*Trade, the company makes money on interest from dollars and cents left in its customer’s accounts.”
8. Avidxchange — $1.4 billion
“Since its launch in 2000, the enterprise tech company, which offers services as banal as accounts payable and on-demand invoice management.”
7. Coinbase — $1.6 billion
“Its success comes at a time of transition for cryptocurrencies from a side project for hackers to a mainstream investment option; many users are still intimidated by cryptocurrencies and the blockchain technology behind it, so they rely on companies like Coinbase to authenticate their investments, and bring a bit of old school establishment to the Wild West of digital exchanges.”
6. Apttus — $1.9 billion
“The company, which was founded in 2006, specializes in what it calls “quote-to-cash software” — essentially, Apttus uses artificial intelligence to make the sales contract process go more smoothly.”
5. Avant — $2 billion
“The personal loan company….uses a mix of artificial intelligence and consumer data to establish interest rates for customers.”
4. Oscar — $2.7 billion
“The company sells individual health insurance plans on a user-friendly digital interface with branding that screams lifestyle brand, rather than the more stodgy safety-net vibe from brick and mortar insurance vets.”
3. Credit Karma — $3.5 billion
“The personal finance company, which specializes in issuing free credit scores and reports, launched in 2007. It’s since taken over the digital credit monitoring space, thanks in part to large scale data breaches like Equifax, which have left consumers concerned about fraudulent credit activity.”
2. SoFi — $4.4 billion
“SoFi — short for Social Finance — is an online lender which focuses on refinancing student loans and mortgages for low-risk borrowers. It’s made a dent in the financial service space as a new type of lender outside of the traditional banks.”
AND THE WINNER, FOUNDED IN 2010 FROM SCRATCH, IN THE PAYMENTS END OF THE FINTECH SECTOR:
1. Stripe — $20 billion
“Stripe is a payments processing startup that lets any business accept credit cards, Apple Pay, and other similar services. Some of its biggest customers include Lyft, Salesforce and Amazon. It’s quickly become the standard for online payments, though the company still faces some competition from startups like Braintree and longtime power players like PayPal.”
New DIGAF Investor Blog Post Subject: Going Cashless
LINK TO ORIGINAL POST
"The movement away from cash has proven a boon for payments companies. Mastercard Inc. shares have gained 38 percent in the past year, and Visa Inc. is up 32 percent, compared with a 15 percent increase in the S&P 500 Information Technology Index[…payments networks are each up more than 1,000 percent over the past decade, more than double the information tech index and triple the S&P 500."
Quotation Source: Bloomberg.com, Photo Credit: USA VISA
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By becoming part of Digatrade, DIGAF shareholders are stepping into a sector with intriguing advantages for both short term and long term gain compared with most industries.
To make the most of these sector-advantages, Digatrade has adjusted its business model during the past 6 months to shift emphasis from cryptocurrency trading by itself in isolation to instead become more broadly involved with the world’s payments system. This increases opportunities for DIGAF exponentially.
There are several major trends in society that support DIGAF’s interests, and a number of business developments that prove it. The most significant social trend that we are all familiar with, but do not think about much because it is quietly enhancing convenience in everyday living, is the movement away from the use of cash for payments.
Most consumers are using non-cash payment methods more without conscious effort, or even without realizing how much less cash they are actually transacting over the past several years. The range of credit card and debit card features continues to grow unabated. It now includes a variety of incentives such as reward points, discounts, money transfer capability, concierge services, integration with real estate lines of credit, small business expense management, consumer protection warranties, insurance options and much more. Most merchants now accept some form of card in your possession, and increasingly from your mobile. The capabilities of these digital payment methods have increased faster than the ability of consumers to even understand their features. This leads to a gradual but deepening immersion of consumers into these new methods through growing exposure, thereby altering normal payment patterns. The direction is one way – always away from cash.
The growing functionality of non-cash payment instruments is being brought to you by a network of fintech (financial technology) innovators who partner with larger, well-known institutions. They are the face of the payments industry that we recognize, such as the major credit card brands. All related trends in this sector are moving in the direction that helps Digatrade. Let’s consider some of these beneficial trends:
The use of electronic payments by consumers is preferred by governments.
It helps track economic activity and increases tax compliance. Digatrade/Securter is not controversial nor in opposition to any countervailing forces.
The use of electronic payments supports the 24/7 “always on” lifestyle.
A consumer with a credit card or debit card, may never have to visit a bank branch, even for cash. That consumer has potential Digatrade/Securter capability in their pocket already.
Online shopping is growing faster than any other category.
Consumer choices for products of interest online exceed any physical store. Online shopping is gradually becoming the new norm for non-impulse items. Digatrade/Securer can benefit from transaction fees regardless of what products are popular. Changes in personal tastes have no bearing on Digatrade/Securter’s ability to profit.
Travel and currency conversion hassles melt away.
Electronic payment process providers are eager to handle foreign exchange automatically, earning fees and foreign exchange profit in the process. Digatrade/Securter is a globally capable platform. Our partners already have international infrastructure.
Electronic payments are continuously evolving technologically, unlike cash which is static.
Competitive pressures on payment processing giants require continuous fintech collaboration with innovators for them to stay relevant. The payment system giants literally NEED innovation to stay alive, vis a vis competitors. This mounting pressure for financial giants to have leading-edge technology capability is a relatively recent phenomenon. Digatrade/Securter’s financial interests are perfectly aligned with this condition.
The rise of digital currency (cryptocurrency) as a store of value and medium of exchange continues.
A literal re-invention of “money” is occurring in parallel, with growing acceptance, requiring complex fintech expertise to create and administer. This expertise is another Digatrade/Securter strength. We know cryptocurrency. We have made money in the field. We speak the language. We understand the thinking. We grasp the issues and technology. All of this adds to our ability to provide cryptocurrency integrated service ideas for partners and mutual fee revenue. We have much to offer in this area and will benefit from cryptocurrency growth. Cryptocurrency is not competitive to Digatrade/Securter – if fuels our opportunities.
The increasing use of pre-paid cards to receive affinity group payments.
A growing number of Americans now receive 3rd party payments electronically to an affinity card, rather than to their bank accounts, for payment of commissions. Other organizations are looking for ways to distribute small payments to a large number of people affordably, easily and securely. There are opportunities for DIGAF in the future.
Digatrade Financial Corp (DIGAF) is a means by which retail investors can gain a stake in the international phenomenon of payments digitization and fintech innovation. Digatrade/Securter technology is proven to be innovative by means of patent pending stature. Digatrade/Securter technology development is being led by a team with a track record of technical accomplishments. Now, Digatrade/Securter technology also has real-world engagement by means of initial affiliated payment gateway partnership arrangements.
DIGAF is well-positioned to benefit from these powerful trends and join a select innovative fintech community that works in partnership with the world’s largest financial institutions. This is a path to earn a shared portion of a growing fee revenue base.
So the next time that you read a headline about the growing preference by consumers for non-cash payment instruments and cryptocurrency, remember that DIGAF is now participating and benefiting from this trend, in a way that you can be part of.
New DIGAF Investor Website Blog Post Subject:
Why the Largest Companies Need Us More than You May Think
LINK TO ORIGINAL POST
LARGE FIRMS DON’T HAVE A LOCK ON THE MARKET –
INNOVATION IS NEEDED. DIGATRADE IS THE TYPE OF PARTNER THAT ESTABLISHED FIRMS NEED.
by DIGATRADE Team | Aug 14, 2019
“This is an industry in the midst of significant disruption, in which new and redesigned business models pose competitive threats.
Even established firms in this robust sector may need to consider near-term transformation to ensure their position in the value chain”.
Source: McKinsey.com
Digatrade shareholders may think that giant financial institutions in the world’s payment system have a lock on their market. This is only partly true. The way in which it is not true illustrates the huge upside for Digatrade/Securter technology.
While the barriers to entry are huge for persons or organizations wanting to become “the next VISA” or “the next Bank of America”, it is not necessary to displace the enormous established interests, also known as “incumbents”, in order to become successful. This is because the largest players provide structure, have deep pockets, are respected/accepted by the world’s regulators and governments, etc. They have a stabilizing and normalizing impact. They are the equivalent of the navy’s aircraft carriers. As we know, a navy cannot consist only of these behemoths. There is a great deal that needs to be done that requires speed and agility, stealth, creativity and adaptability, etc. This is especially true when considering that several of these giants compete with each other and must constantly upgrade to have the latest capabilities.
Even industry experts acknowledge that the largest firms are often the least creative. Their processes are built around reliability and compliance, not constantly reinventing themselves. This is why Digatrade/Securter is exactly the sort of enterprise that is attractive to potential partners in the fintech/payments sector. We are a team, not just one person. We have patent pending new technology. We operate professionally, with public record keeping and regulatory compliance. The industry heavyweights know that by enabling collaboration with innovators, they can turn the fortunes of aspiring partners on short notice, and thus carry the power of receiving real effort – far more than would arise within typical salaried research and development departments.
Furthermore, and this is important, it is more efficient for large organizations to pay for innovation that has already been developed rather than funding all R&D internally from scratch. By this method, they end up paying for mostly productive contributions. There are fewer dead-ends. They can cherry-pick winners and then help them do very well by embracing their ideas with vast infrastructure resources, rather than wasting time.
Within the world payment gateways and payment service providers in the world’s payment systems, there are many niches and roles. There are independent software vendors, value added re-sellers, systems integrators and more. Then there is the hardware. There are mobile devices, countertop devices, multi-lane devices – using various connections for developers and much more division of specialization than that.
The point for Digatrade shareholders to bear in mind is that our Securter team has already done something enormous – create patent pending fintech technology that is genuinely new in a complex field.
It’s an exciting development for Digatrade/Securter to be entering into external affiliate business partnerships now. Our partners possess substantial existing payment processing infrastructure. They service thousands of merchants with their existing systems. These merchants generate hundreds of millions of individual consumer transactions annually, worth billions of dollars. This requires myriad device certifications, ongoing, that is also looked after by such partners. All of this activity generates fees for our partners. The more practical improvements or service additions that we help them implement, the more fee revenue could be available to share. Our mission is to earn a place at the table as an innovation partner, providing practical intelligence, creative edge and talent for shaving pennies off cost, or adding pennies to revenue, billions of times, systematically – and to bring new sources of fee revenue through new capabilities. Our first step as an affiliate partner is to integrate their payment gateway into Securter and onboard participating merchants into the Securter environment.
In a globalizing inter-connected marketplace, the “small amount/massive volume” revenue model has become more feasible than ever. A small slice of a large aggregate sum can be very attractive. The international payments sector is an under-appreciated area of business opportunity that Digatrade/Securter is proving that it has the knowledge to enter, and now demonstrating that it has the relationships to operate within. This sector is the unique environment by which Digatrade/Securter can realistically derive income from people in settings as diverse as Mumbai in India, the capitals of Europe, and burgeoning markets Africa, Latin America and Asia – everyday, 24/7. The only thing someone needs to be a potential Digatrade/Securter customer is a credit card, regardless of who they are, and where they live.
Clearly, we are entering a new phase now at Digatrade/Securter, from our first announcement only 6 months ago that we were adjusting course to the field of fintech innovation, leveraging existing expertise and integrating more. Already, we have our first operating relationship with an initial payment gateway partner who possesses the massive activity volume that we need to be successful – and even this is just our first partner.
We are looking forward to terrific developments ahead over the next six months, as we gain momentum. Our growing internal team, industry relationships and passion are the classic ingredients of success stories in our field. Every high profile success went through an early phase when no one had heard of them before. Now, with Digatrade/Securter’s emerging relationships, far more people will be hearing about Digatrade/Securter – including people inside the world’s payments industry, where a collaborating fintech partner can be given extraordinary lift.
Thank you for your interest in Digatrade/Securter.
New DIGAF Investor Website Blog Post Today
Discusses how the DIGAF business model, and partnerships, fit into the payments system
LINK
Text
The illustration above shows the central position occupied by the Payment Service Provider (PSP) in the world payments system for credit card transactions, and Digatrade/Securter’s targeted relationship to the PSP community.
Global Credit card activity has grown at a phenomenal pace. Purchases now occur at the rate of thousands of transactions per second, globally. These are processed through the world’s payments system – a network of cooperative relationships between enormous financial institutions. There are many special security challenges that arise from this staggering pace of activity. There has never been a greater need for next generation authorization protocols to protect cardholders, merchants, payment service providers, card networks and issuing banks from growing fraud in online credit card transactions.
Digatrade and its Securter team associates also share extensive cryptocurrency knowledge and are utilizing this expertise to add further value to its partnership with Payment Service Providers to enhance their service scope and fee revenue, to share.
Integration of credit card use and cryptocurrency holdings is a fast growing demand which has enormous potential for security and convenience enhancements – this is Digatrade/Securter’s competitive strength. A separate blog post soon will explain more about the advantages of Securter’s patented technology in practical terms, for shareholders.
Digatrade/Securter’s first-ever partnership agreement with a mainline Payment Service Provider, to help with implementation, was recently announced. Further partnership details will be shared when certain non-disclosure and confidentiality arrangements have been satisfied.
With today’s announcement of the addition of Partnership Development Specialist Rishon Talkar to the Digatrade/Securter team, such partnership arrangements will be expanding.
New DIGAF Investor Website Blog Post Today
LINK
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Text
The illustration above shows the central position occupied by the Payment Service Provider (PSP) in the world payments system for credit card transactions, and Digatrade/Securter’s targeted relationship to the PSP community.
Global Credit card activity has grown at a phenomenal pace. Purchases now occur at the rate of thousands of transactions per second, globally. These are processed through the world’s payments system – a network of cooperative relationships between enormous financial institutions. There are many special security challenges that arise from this staggering pace of activity. There has never been a greater need for next generation authorization protocols to protect cardholders, merchants, payment service providers, card networks and issuing banks from growing fraud in online credit card transactions.
Digatrade and its Securter team associates also share extensive cryptocurrency knowledge and are utilizing this expertise to add further value to its partnership with Payment Service Providers to enhance their service scope and fee revenue, to share.
Integration of credit card use and cryptocurrency holdings is a fast growing demand which has enormous potential for security and convenience enhancements – this is Digatrade/Securter’s competitive strength. A separate blog post soon will explain more about the advantages of Securter’s patented technology in practical terms, for shareholders.
Digatrade/Securter’s first-ever partnership agreement with a mainline Payment Service Provider, to help with implementation, was recently announced. Further partnership details will be shared when certain non-disclosure and confidentiality arrangements have been satisfied.
With today’s announcement of the addition of Partnership Development Specialist Rishon Talkar to the Digatrade/Securter team, such partnership arrangements will be expanding.
New DIGAF Investor Website Blog Link Re Sector Size
HERE
Heading:
OUR SECTOR IS ALREADY LARGER THAN ALL MILITARY SPENDING IN THE WORLD. DIGATRADE IS IN A FIELD WITH HUGE OPPORTUNITY.
Text:
“…a $3 trillion threshold looms just beyond the sector’s five-year projection horizon”.
(Source: Global payments 2018: A dynamic industry continues to break new ground. McKinsey.com)
Most people, including Digatrade shareholders, have no idea how deep the revenue opportunity is in “fintech”, particularly in the “payments” sector. The world’s payments sector does little advertising, but it looms large in the background, quietly participating in a vast and growing swath of the world’s purchasing transactions, 24/7.
The “payments sector” consists of the organizations that move money and credit electronically for you when you pay merchants with anything other than cash (or you transfer money electronically).
These organizations have become so good at what they do that their operations are barely noticeable. Beneath this calm exterior is a teeming collaboration between financial organizations and creative service providers in the private sector that drive growing convenience and security technology. Such innovation enables alternative methods for consumers to spend and transfer money.
Companies in this sector now process trillions of dollars annually, enjoying a vast array of fees that are small in each transaction, but accumulate to huge aggregate sums. There are now more than 15,000 non-cash (electronic) payments globally occurring every second. There are hundreds of fee types that merchants and consumers pay, most of which even the merchants and consumers themselves cannot name, but are legitimate in their merchant and cardholder agreements. These fees provide unprecedented convenience – and payment convenience is something that most people and organizations have now proven to be willing to pay for, globally.
Some of these merchant service money flows are so enormous that they are owned cooperatively amongst banks, because the flow is larger than any one of them. These organizations devote most of their effort to maintaining the integrity of their existing systems and often look outside for fresh thinking and innovation to remain competitive. The fortunate private collaborators to this giant apparatus who can prove themselves in co-operative fintech relationships can do extraordinarily well, financially and reputationally. This is the field that Digatrade is now in. Our recently announced first PSP Partnership is, in effect, an invitation to work on the inside of the world payments system.
Digatrade/Securter’s patented technology is designed to dramatically increase the security and convenience of online credit card purchases. Because of the immense flow of online purchases every second of the day internationally, institutions and merchants continuously lose large sums due to unauthorized credit card use and other forms of fraud in “Card Not Present” transactions.
Securter’s protocol enables credit card holders who shop online to divulge less information about themselves, thereby protecting themselves from merchant data hacks. In fact, Securter’s protocol does away with the cardholder providing personal financial information to merchants, yet still ensures payment to the merchant by the credit grantor. This technical accomplishment is only one dimension of the service multiplex that Digatrade/Securter will be introducing through its PSP relationships, thereby earning shared fees from their operation.
The bottom line is that DIGAF shareholders have much to look forward to as our integration with the world’s payments system begins through our Payment Service Provider agreements. We will be sharing more background information about this industry, and our role in it, now that our first PSP agreement enables real progress by DIGAF.
NEW DIGAF BLOG ENTRY LINK:
DIGAF Investor Webite Blog
Title:
Why Our First Payment Service Provider Agreement is Such a Positive Development for DIGAF Shareholders
Text:
We announced yesterday that Digatrade’s Securter Systems subsidiary has its first PSP working relationship. This is an important development. Our fintech strategy is great on paper, but getting that technology into commercial use is how the money will be made for our shareholders. This is what we are now closer to achieving. We will be providing the name of our first PSP partner when we receive consent and certain confidentiality undertakings have been satisfied.
With our first Payment Service Provider Agreement now in place, we have a commercial path to bring Digatrade’s Securter credit card security technology into the international credit card payments system. In other words, we are now working with a mainstream payment service provider in a manner that leads to monetization of our technology.
Our PSP partner is a “real world” operative – they process billions of dollars of credit card transactions and earn fees from merchants and cardholders for doing so. Digatrade’s business model is to share such fees when such payment service providers use our technology.
This PSP agreement is only the start – but it is most important step of all, because it demonstrates that we are moving from the theory of Securter technology into a process of making money with it for Digatrade shareholders. Getting the first working agreement is always the most difficult. This hurdle has now been overcome.
We have other initiatives in the background that are advancing toward monetization. They will be announced as soon as possible. In the meantime, we will be sharing in this blog more industry insights that clarify how significant Digatrade opportunities are moving forward.
The Fintech and payment sector is a fascinating field, and lucrative for successful participants. It is insulated from the trends of some consumer products being “hot” and others “not”. Digatrade/Securter benefits with fees regardless of what people purchase. Another attractive feature of this industry is that there are high competitive barriers to entry – our patented technology gives us an “in”. Once there, we can expand. With this first agreement, we have arrived “into” the industry. The door has been opened, and we are now on the inside, moving in and unpacking, preparing to do business and to benefit for our shareholders.
Thank you for your kind thoughts.
InfoAssistant can assure you that management is serious, dedicated and is representing its circumstances accurately in public reporting.
The company is honest in its filings by stating that it intends to broaden the scope of the company's opportunities in a manner that will be beneficial to shareholders.
Management is being careful to not make a premature announcement.
SWHI does have real potential, as will become more clear.
Until then, please do rely on the previous annual report, and subsequent filings for accurate specific, current information.
Respectfully,
IA
Yes.
It is still management's intention to delivery significant, constructive, news. Management is being particularly careful to not do so before the "i's are dotted and t's are crossed", so to speak.
IA
Working on it diligently
Hello, I can assure you that management is doing what it can to bring positive news, but is being careful to have arrangements in place first.
Thank you for your (well placed) patience.
IA
Stable Share Structure Continues at SWHI - Annual Report Filed
SWHI Annual Report filed on time, in proper format, showing commitment to remaining current. Also, the report reveals no negative surprises. This demonstrates that management is being forthright on a real-time basis, rather than letting issues accumulate and be revealed with filings. This includes share structure, which continues to be stable at an attractively low level, without the burden of toxic convertible debt overhang.
SWHI management thanks shareholders for their interest in the company. There are exciting plans under development. With such an attractive share structure/debt profile, the company's stock can respond powerfully if/when substantial developments emerge.
Annual Report News Release
IA
Sequence of Events
The company hopes to be discussing with shareholders in the next week or two the nature of its plan to take SWHI far beyond current revenue prospects. Management has emerging relationships that, if operationalized, are going to significantly increase the value of the company in 2019.
This discussion will be in the form of Supplemental Information at OTC Markets, not in the annual filing. The Annual Report is merely a recap of activity up to December 31, 2018 and will not contain any surprises.
The positive transformation that management has in mind is not driven by a few more subscribers for its phone service, or even eventual implementation of wireless. Those good and solid operational goals remain in place, but they are additive in nature, not "transformational".
The "exciting" potential developments need to be described in a separate explanation that balances disclosure of intentions with sufficient detail to demonstrate that it is all real, but without getting tied up in so many specifics that management's hands are tied in negotiations, depriving it of flexibility.
Things are definitely happening behind-the-scenes. A couple of weeks may suffice to obtain consent of the company's prospective partners to say some things publicly that make it more apparent what the company has in mind.
Most of the company's shareholders have been patient and interested in something substantial, and for them a couple of weeks here or there does not matter. This is a better approach than drip-feeding meaningless or trivial updates, clues, hints or teasers. This responsible approach illustrates again that management of SWHI is mature, and doesn't manipulate information. Equally importantly, this illustrates that SWHI is reaching high rather than being "stuck in a rut", as would happen without being bold in vision and reach.
Management sincerely appreciates and respects its shareholder partners. The company has an attractive low share count and can generate a significantly higher price with the right developments.
IA
More HADV Information Coming Soon
Thank you for your interest in HADV.
Health Advance company management is now in the process of organizing a return to normal reporting and putting Health Advance into a positive momentum.
All parties are now cooperating with goodwill for the best interests of the shareholders and to re-build shareholder value. Shareholders will be pleased and satisfied with the responsible and positive collaboration by which past misunderstanding or confusion has been cleared up. The benefits of this will be seen soon.
InfoAssistant has been asked to help relay practical information on the iHUB discussion board in this regard and to aid the company in effecting and communicating these positive developments, for a period of time going forward, until new goals are reached.
IA.
Timing
Management is eager to complete negotiations that would enable it to restore excitement and news flow. Current focus is on completing the OTC Markets filings on time and to stay Current Information Tier. Please rest assured that the company understands and agrees that it would be good to ramp up the energy of "developments".
IA
Understood. Management agrees.
IA
Assistance
The issue of InfoAssistant having provided help to SWHI management from time to time in communicating to shareholders is a non-issue. It has already been explained as an extra service provided by SWHI management for its shareholders and will be referred to in the annual report. The InfoAssistant service has often provided shareholders with extra updates and background information since October 2018. The InfoAssistantOTC.com website explains the nature of services provided by the InfoAssistant team.
InfoAssistant is not a "stock promotion" initiative. The service is therefore not deployed on a daily nor regular basis, but rather only as conditions warrant.
IA
Still on Track
Just a quick note to confirm that the company is still on-track to have its 2018 annual filing ready by March 30th, 2019 on time.
IA
InfoAssistant
It is our understanding that InfoAssistant will be referred to in the next filing.
Hello
A quick message to reconfirm that the company filings will be submitted on time to retain the PINK Current Information Tier.
Management is also aware that shareholders are looking forward to more updates about 2019 progress. There is meaningful work being done toward building a terrific year.
The company has also remained true to its word about avoiding irresponsible share issuances. There is still no change is share structure since last reported.
IA
Answer: Re Closely Held Shares
Norman George, President 45,397,146 11.57%
Stephen Michels, Vice President 16,219,005 4.13%
Full context can be found in the Q3 2018 Report filed at OTC Markets Disclosure.
Understood
Yes, management agrees. When the projects that the company is working to activate are operationalized, then there will be a stream of news as implementation milestones are attained.
IA
Ray of Sunshine
Thank you for your kind greeting. 2019 could be the year that the sun shines on SWHI...
IA
Next Filing
Yes, the service provided by InfoAssistantOTC Website to SWHI will be noted in the next quarterly filing.
As previously stated, there has simply been a misunderstanding as to the nature of the question, and/or how the answer was conveyed.
The 2018 Annual Report will be out next month, on time.
IA.
Company is still the contact
InfoAssistant is not operating as a conventional investor relations agency that substitutes for management in contact. Instead, IA is focusing on a behind-the-scenes support function to establish what information can be provided to stakeholders to improve understanding. This can include the preparation of some reporting materials, providing clarifications in investor forums, advocating for investors in management policy development, etc.
Regards,
IA
Shareholder Quantity
The company does not know the exact number of its shareholders because some shares are held in "street" form, namely, in the name of trading accounts under investment dealership proxies, rather than in the name of their beneficial owners. Furthermore, beneficial owners can choose to not authorize their investment brokers to reveal their identities.
The process of determining the beneficial owner number, which changes daily through trading, is relatively expensive because of the reports that are purchased through service providers for this purpose, such as the NOBO list (Non-Objecting Beneficial Owners), so the company does not do this routinely.
The company's quarterly filings provide the number of shareholders who hold the stock in their own name outright. This is usually in the low hundreds. The rest is an estimate. The likely number of stockholders through their trading accounts is in the low thousands.
The company DOES know the exact number of shares issued and outstanding from the treasury side, but the ownership trail is more complex to track as it flows through intermediary holding facilities.
IA
InfoAssistant
It is clearly a misunderstanding. IA has contacted management to determine what was said and is awaiting a reply.
It is obvious that IA has been presenting SWHI corporate information on behalf of management to shareholders, as well as advocating for shareholders to management, since October. All shall be settled in due course.
In the meantime, we have seen before (and very recently in particular) how quickly an insinuation about the company, or its management, or even third parties, can be misconstrued. That is why IA is here, providing clarifications and an additional perspective.
Time and time again the posted comments by InfoAssistant have been shown to be the most accurate of all on any subject pertaining to the company.
IA
IA - The Other Side of the Story
The goal of InfoAssistant service is simple and good - to foster informed discussion on a company's iHUB board by providing additional information from the perspective of management. Shareholders are free to decide what information is of interest to them.
InfoAssistant does not hold stock in the company, nor trade in the stock, nor have any "off balance sheet" arrangements for future stock compensation. IA is not a stock promoter and does not undertake any promotional campaigns.
InfoAssistant advocates to management for shareholder interests, as this is at the heart of respectful investor relations.
Clearly, management may decide that the nature of this relationship, i.e. InfoAssistant advocating for shareholder interests by requesting and then presenting additional information, is too difficult or intrusive. Such companies will be less interested in carrying on with such an arrangement, and thus IA's role is not renewed.
Unfortunately, every message board also has a few people who stigmatize even the mere effort of providing such additional perspective. However, many messages of support and appreciation are received. These appreciative shareholders know that any effort by management to provide additional perspective is welcome and should be encouraged.
InfoAssistant tries to perform a service that is needed, and inherently beneficial. Finding management that is committed to these principles is half the battle. Coping with some individuals who want the initiative to fail, on the face of it, is the other.
Regardless, IA will continue to support the efforts of those who choose to benefit from enhanced understanding between management and the people to whom management is accountable - the shareholders.
IA
Share Structure
There has been no change since last reported to OTC Markets as Supplemental Information.
IA
Greetings
The fact that management has not been discussing a great deal recently arises from two things:
- Trying to advance/complete the next stage of arrangements that were already announced;
- Ensuring that a "flurry" of comments, news releases, etc is not perceived as a promotional effort.
The dust has settled by now from the rampant speculation by some people about dilution or other negative things. It is now obvious and proven that this was all fake negative hysteria by people with their own agenda, or lack of careful analysis. The negativity was entirely unjustified (to the relief of our serious shareholders).
With calm now restored, the company will soon post an operational update in which further plans are discussed. Even here it is important to remember that the company must balance the discussion of forward looking plans (which are of great interest to shareholders) and the skepticism of critics (who undermine any discussion of possibilities because they have not yet happened).
There will definitely be further sharing by management soon.
Respectfully,
IA
Hello!
Thank you for your nice note. IA is still here and enthusiastic about what management is working on for SWHI shareholders.
There are many layers to the onion. The recent announcement of an intended expansion in service categories is only one of several initiatives that SWHI management has under development.
Management looks forward to giving its loyal shareholders bragging rights when the share price recovers again, which it will, and more.
Regards,
IA
Contact
Contact with SWHI directly is possible, and best for spoken communications. The preferred sequence of events is that you contact the firm by e-mail, identifying yourself as a shareholder by name, and asking for a day and time at which a conversation is possible. In this way, the parties will not be playing telephone tag trying to reach each other at a convenient time. You should also be prepared to agree to have the telephone conversation recorded for everyone's protection.
Bear in mind that it is not the practice of the company to have much telephone conversation with 3rd parties on matters pertaining to its business for two good and simple reasons: accuracy and equality of access. It happens too often in life that conversations are mischaracterized or misunderstood, either deliberately or not. This is why comments are best made in writing. This provides permanent accountability and equal access to information for all shareholders.
There are many shareholders who read iHUB but who do not post, and do not initiate contact. Their interests and preferences matter as well, namely, to be able to obtain their written updates at the same time as the information becomes available to others, and with the same content.
IA