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Amid High Inflation And Increasing Liquidity Struggles, Americans Are Increasingly Relying On Credit — Current Could Offer Quicker And Easier Access

Current

By Faith Ashmore, Benzinga While analysts predict we may be past the inflation peak, Americans struggle to make ends meet and are relying more and more on credit. A recent survey showed that less than 50% of Americans could afford to pay for a last-minute $1000 emergency. Inflation is hitting Americans hard, and many don’t have the financial stability and luxury to secure rainy-day funds. For the lower-income families that cannot afford a $1,000 emergency, the rising prices of everyday necessities are acting as a further blow to their finances. Fuel prices have soared and the cost of common goods like eggs has risen by up to 60%. Electricity bills have also risen dramatically. In the past year, electricity prices have increased by 15.8%. Simply put, the cost of living is going up and there isn’t any real promise of a change in trend. As a result, Americans are leaning more heavily on credit cards to ensure they can pay their bills. Credit card balances rose by 15% in the third quarter of 2022, the largest year-over-year increase in over 20 years. According to a new report by Bankrate, 46% of credit cardholders carry debt month to month; last year that percentage was only 39%. To make matters worse, the average credit card rate is at an all-time high, meaning that individuals are paying far more in interest and possibly ending up in further debt. The economic situation in Europe is reportedly just as bad, if not worse. The US is unlikely to get a boost from the global economy in the coming months. Amid such times, quick and easy access to credit can be crucial to provide some relief to the American consumer. Current Looks To Do Its Bit To Help Through Easier Liquidity Access A financial technology company that offers mobile banking, Current is a new type of banking alternative offering a lot of features that might be ideal for individuals who are struggling to pay the bills. Two of the main features that have mass appeal during a period of higher inflation are faster direct deposits and better overdraft protection. Through Current, members can get direct deposits up to two days earlier. 1 The mobile banking app also lets you overdraft up to $200, pending approval, with no overdraft fees. There are no minimum balance fees either. 2 The app also allows for buying and selling crypto, with the cash from your crypto sales that is immediately then available to spend from your Current account. For individuals who aren’t looking to invest in a volatile market, Current offers savings pods with up to 4.00% APY. 3 The company is interested in helping improve financial outcomes for everyone while making banking simple and faster. This article was originally published on Benzinga here. Current is a leading U.S. financial technology platform serving the needs of Americans who are working to create a better future for themselves. Our mission is to enable members to change their lives by creating better financial outcomes. Leveraging the best technology, we deliver inspirational and motivational products as we all move forward in a world of increasing digitization and complexity. This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC. The Current Visa Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 1Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits. 2 Please refer to Overdrive™ Features Terms and Conditions. Out of network cash withdrawal fees, third-party, and adding cash fees may apply. 3 The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 1, 2023. No minimum balance required. Must have $0.01 in Savings Pods to earn Current Interest on up to $2000 in deposits per Savings Pod up to $6000 total. Please refer to Current Interest Terms and Conditions. Contact Details Erin Bruehl media@current.com Company Website https://current.com

February 22, 2023 09:00 AM Eastern Standard Time

Contact Centers Are Increasingly Looking Beyond Traditional Multi-Factor Authentication and Turning To Biometrics To Prevent Fraud

BIO-key International, Inc.

By Gita Karunakaran, Benzinga BIO-key International Inc. (NASDAQ: BKYI) is a trusted provider of Identity and Access Management (IAM) and Identity-Bound Biometric solutions that are refining and changing the way Multi-factor Authentication (MFA) is used within IAM. The company competes with other access management software providers such as Okta Inc. (NASDAQ: OKTA); ForgeRock Inc. (NYSE: FORG); and Cyber Software Ltd. (NASDAQ: CYBR). BIO-key is innovating within the space to offer an easier and more secure way to authenticate the identity of employees and customers while managing their access across devices and applications. BIO-key’s cybersecurity solutions are currently being used to solve unique access management challenges across a plethora of industries, including financial services, healthcare, retail, education, manufacturing, and government. With almost every industry and business having an online presence today – and cybercrime and security breaches ever on the rise – there is an urgent need for reliable authentication and access management solutions. Take the burgeoning customer contact [or call] center business, for example. In the U.S. alone, there are 34,013 Telemarketing & Call Center businesses as of 2023 and their numbers have been steadily increasing by 2.3% per year on average between 2018 - 2023. The global scenario is even more active, with the cloud-based contact center market seeing significant growth from USD 6.80 billion in 2017 to USD 93 billion by 2022 – a whopping 25.2% Compound Annual Growth Rate (CAGR). Contact Center Fraud Under The Spotlight Fraud has always been considered a huge area of risk for contact centers, given that there is a vast amount of personal information being handled by the customer-servicing teams as well as the fact that contact center agents handle payment transactions as well. Contact center fraud is any instance when a caller tries to spoof the identity of a legitimate customer and obtain sensitive data. Fraudsters can also try to process a high-value transaction on behalf of the customer, routing the funds to a different account/address that they can then access. The fraudster does this by obtaining sensitive personal identification information, which enables them to mimic the customer’s identity to a very believable degree of authenticity. They become privy to passwords, answers to secret questions, and even SMS OTPs (one-time passwords) through SIM spoofing, i.e. getting access and using your phone number. Organizations have reportedly seen a spike in fraudulent calls since the start of COVID-19. Due to their rising numbers, contact center fraud has come under the spotlight in recent years, with enterprises looking to take concrete measures to combat scammers and fraudulent entities. As organizations become more aware of the cybercrime landscape, they are paying more attention to their identity and access management and authentication solutions. They’re beefing up their cybersecurity arsenal by going beyond passwords and PINs and introducing increased security protocols like traditional and advanced multi-factor authentication. Some of the best practices that are used by contact centers include ‘what you are’ authentication, such as a voice biometric, over traditional ‘what you know’ methods like PINs and passwords to securely authenticate customer identity and effectively combat fraud. They also adopt strategies such as providing focused training to the contact center agents and giving them access to only the most necessary customer information so that they do not end up inadvertently divulging additional personal information of a customer to a fraudulent caller. While voice biometrics are in use to prevent external frauds, there is also a risk of misuse of sensitive information by contact center agents or past employees in cases where they may have malicious intent and misuse customer information for personal gain –- adding to the need for a robust access management strategy. Contact center agents are known to regularly handle massive amounts of sensitive information on behalf of both the company they represent, as well as the customers who require their assistance. Therefore, in most contact centers, certain electronic devices like mobile phones that could be purposely or unwittingly used to capture sensitive information and relay it outside of the contact center are generally disallowed among agents. In such scenarios, an MFA process involving one-time passwords or PINs sent to mobile devices may not be feasible. In addition, contact center best practices involve restricting access on a need-to-know basis and are set up in a manner that requires a higher level of authorization for sensitive transactions including address changes, large fund transfers, and the like. What is needed is a simple and elegant solution that is not time-consuming and, at the same time, able to confirm the identity of the actual individual behind the access request. How BIO-key Can Help This is where companies like BIO-key, which offer a variety of flexible authentication solutions, could play a key role by enabling organizations to enforce stronger security and multi-factor authentication. For example, for contact center employees who use shared workstations across multiple locations, BIO-key offers Identity-Bound Biometrics (IBB) with fingerprint scanners. This solution eliminates the need for users to carry around individual tokens or phones to verify their identity. In addition to the enhanced security, IBB helps employees to smoothly, efficiently, and securely carry out their daily operations, including when they’re working on shared workstations in multiple shifts at contact centers. In these scenarios authentication using physical tokens and mobile devices may not be viable choices due to security policies, high cost, and inconvenience. However, organizations can quickly implement station-based fingerprint scanners and a one–time enrollment for all employees with Identity-Bound Biometrics. In which case, users can enjoy a passwordless login experience at any device across any branch location – without needing to use phones or tokens. BIO-key’s IBB authentication methodology can reliably verify a person’s identity so that organizations can have confidence that only authorized people are gaining access to systems and data. BIO-key’s cloud-based PortalGuard Identity as a Service (IDaaS) platform offers flexible options for SingleSign-on (SSO) and supports a range of multi-factor authentication methods, including IBB, phone apps such as Duo, Microsoft and Google Authenticators, smartcards, OTP, and knowledge-based questions and methods. BIO-key’s customers can access the power and convenience of Identity-Bound Biometrics to ensure the highest levels of integrity, security, availability, and accuracy that enterprise security requires. BIO-key has a long track record with fingerprint authentication, and where applicable, its one-of-a-kind mobile app, it calls MobileAuth, could be used to eliminate the inconvenience, security risks, and costs of traditional authentication methods. MobileAuth can be used for multi-factor authentication (MFA) or passwordless workflows that make it easy to sign in with a simple palm or face scan – no password needed. BIO-key says that implementing MFA is one of the core steps to achieving zero trust – an approach that treats every person and every device as a potential threat. PortalGuard offers the greatest flexibility and choice across the three main categories of authentication factors: something you know (passwords, PIN), something you have (hardware tokens, phone-based methods), and something you are (biometrics, such as a palm scan, fingerprint or facial recognition). Because IBB authenticates the identity of the actual user, according to BIO-key, there is no stronger way to establish trust and ensure secure access across an organization. To learn more about the business applications of BIO-key’s solutions visit the company webpage here. This article was originally published on Benzinga here. BIO-key is revolutionizing authentication and cybersecurity with biometric-centric, multi-factor identity and access management (IAM) software managing millions of users. Its cloud-based PortalGuard IAM solution provides cost-effective, easy to deploy, convenient and secure access to devices, information, applications, and high-value transactions. BIO-key's patented software and hardware solutions, with industry-leading Identity-Bound Biometric (IBB) capabilities, enable large-scale Identity-as-a-Service (IDaaS) solutions, as well as customized on premises solutions. This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice. Contact Details Catalyst IR- William Jones, David Collins +1 212-924-9800 BKYI@catalyst-ir.com Company Website https://www.bio-key.com/

February 22, 2023 09:00 AM Eastern Standard Time

Robotics Has Transformed Many Industries – Is The Food Industry Next?

Blendid

By Faith Ashmore, Benzinga Interested in investing in Blendid’s campaign? Click here to get started. It’s almost impossible to miss how food prices have been rising in the past year due to inflation. Fuel prices have soared, and the cost of common goods like eggs has risen by up to 60%. In addition, geopolitical conflicts like the war in Ukraine are increasing global instability and affecting food supply chains – impacting markets globally. One solution that industry leaders and analysts have identified lies in the expansion of the global food service robotics industry. Looking to technology during times of crisis is not a new trend. The automotive industry has been aided significantly by robotics teams to help automate assembly lines and cut down costs, especially amid recessions. Robots are found in almost every part of a car plant, and it’s estimated that by 2025 as much as 75% of vehicles will ride on robot production lines. Manufacturing in general has been absolutely transformed by robotics, helping manufacturers achieve peak efficiency and productivity. The food industry is no different, but it requires innovative approaches to fully leverage the advantages of robotics. Technology and innovation are crucial to the modern food service industry. Not only does technology help companies lower operating costs but it also expands access to fresh food in more locations. While robotics in food service is still in its relative infancy, the increasing ingredient and labor cost challenges are accelerating their growth to help transform the food service industry as it did manufacturing – and companies like Blendid are leading the charge. Blendid, a robotic and AI-enabled food automation solution company, has seen firsthand the success of a fully autonomous robotic kiosk for smoothies. Their kiosks operate in universities, travel centers, retail stores, and hospitals across the country. The kiosks can operate 24/7, which gives consumers access to healthy and affordable food around the clock while the company is able to maintain low operational costs. The company has seen a 267% revenue increase year-over-year which is unsurprising given the consumer demand for healthy and sustainable food. Not only is the kiosk model contactless, but being open 24/7 increases the accessibility of healthy food. For college students or late-night workers, who typically have limited access to healthier foods, Blendid is changing the landscape of food justice. If projections are to be believed, the food robotics industry is only going to continue to grow. The global market for food robotics was estimated at $2.1 billion in 2022, and the market is projected to reach $4B by 2026. Companies like Blendid will be instrumental in the industry by providing unique experiences and options for consumers on the go. Blendid is currently hosting a raise to further expand its ingenious concept. The company is currently working on expanding to 10 additional geographies in the near future and has 500+ kiosks in contract. Previously, they raised more than $26 million which translated into significant revenue growth. It is clear that the consumer demand is there for the smoothie kiosk model and it’ll be interesting to see how Blendid will continue to be an industry leader. Interested in investing and being a part of their growth story? Click here to read more about Blendid’s raise and how to invest! This article was originally published on Benzinga here. Sunnyvale-based Blendid is revolutionizing the future of food service with its proprietary food automation platform (foodOS™), which efficiently and safely prepares and serves a range of healthy, fresh, and delicious food. A pioneer of the future of food service, Blendid's first concept in the market is an autonomous, contactless kiosk that uses robotics, machine vision, artificial intelligence, and healthy ingredients to create delicious smoothies that are customized to meet the unique health and dietary preferences of each consumer. Founded in 2015 by seasoned Silicon Valley entrepreneurs Vipin Jain, Venki Avalur, and Vijay Dodd, Blendid is improving the consumer experience by offering safe, cost-effective, and personalized food on-demand, while also reducing complexities and costs for the operators. Blendid has raised more $20M to date from a mix of venture and crowdfunding investors and is currently raising its Series B investment round. Visit www.startengine.com/blendid for more information and to invest in the future of food service automation. This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice. The preceding post was written and/or published as a collaboration between Benzinga’s in-house sponsored content team and a financial partner of Benzinga. Although the piece is not and should not be construed as editorial content, the sponsored content team works to ensure that any and all information contained within is true and accurate to the best of their knowledge and research. Benzinga may receive monetary compensation from the issuer, or its agency, for publicizing the offering of the issuer’s securities. This content is for informational purposes only and is not intended to be investing advice. This is a paid ad. Please see 17b disclosure linked in the campaign page for more information. Contact Details Erica Camilo 344130@email4pr.com Company Website http://www.blendid.com

February 22, 2023 09:00 AM Eastern Standard Time

Oxbridge Re’s (NASDAQ: OXBR) SurancePlus Subsidiary Aims to Disrupt CAT Bond Market & Provide Better Opportunities for Investors with Plan to Tokenize Reinsurance Securities

Oxbridge Re Holdings

The world of finance is undergoing a revolution as traditional assets are transformed into digital tokens and traded on blockchain networks. From real estate to commodities and beyond, the rise of tokenization is breaking down barriers and providing unprecedented access to a wide range of investment opportunities. With increased liquidity, reduced transaction costs, and the ability to trade 24/7 on a global scale, the tokenization of assets is set to disrupt the traditional financial world and provide a new era of investment opportunities for all. According to BCG and ADDX, the asset tokenization market is estimated to be a $16.1 trillion opportunity by 2030. The two entities see underlying growth in the industry being driven by demand from investors searching for greater access to private market opportunities. Oxbridge Re Holdings Ltd. (NASDAQ: OXBR) is among the latest companies entering into the asset tokenization boom after the company recently announced its new wholly-owned subsidiary, SurancePlus, will tokenize its preferred shares representing an indirect interest in reinsurance contracts and sell them as tokenized reinsurance securities to accredited investors. Here is why Oxbridge Re’s plans are a huge opportunity for the company: Introduction: What is Tokenization? Tokenization is the process of converting the rights to an asset into a digital token that can be traded on a blockchain network. A token can represent a fractional interest in an underlying asset and can be bought, sold, and traded subject to securities laws. In tokenization, an asset, such as real estate, art, or commodities is divided into many smaller units, and each unit is represented by a unique token recorded on the blockchain. The ownership of these tokens represents, directly or indirectly a fractional interest in the underlying asset, meaning that the holder of the token receives a claim to a portion of the asset's value or the right to participate in its fortunes. The benefits of tokenizing assets potentially include increased liquidity, reduced transaction costs, and improved accessibility to a wider range of investors. Tokenized assets can also be traded 24/7 on a global scale, which can increase the market for the asset. Many technology and financial firms are working on tokenizing assets, including Circle, Anchorage, and Paxos. Major exchanges like Binance and Coinbase (NASDAQ: COIN) are also exploring tokenization opportunities, as they see it as a way to increase the liquidity of traditional assets and provide new investment opportunities for their users. What is Reinsurance? Reinsurance is a type of insurance purchased by insurance companies to protect themselves against the financial losses they may incur from their policyholders. The idea behind reinsurance is that an insurance company can transfer some of its risks to a reinsurer, which can help the company manage its exposure to risk and remain financially stable. An insurance company might seek reinsurance coverage for a variety of reasons, including: 1. To manage its overall exposure to risk: By transferring some of its risks to a reinsurer, an insurance company can reduce the amount of risk it is exposed to, which can help it manage its overall financial stability. 2. To free up capital: Reinsurance can help an insurance company free up capital that would otherwise be tied up in reserves to cover potential losses. This can help the company invest in other areas, such as product development or marketing. 3. To improve its financial stability: By spreading risk across multiple parties, reinsurance can help an insurance company weather the impact of large losses and remain financially stable over time. The reinsurance market is dominated by a few large, global players. Some of the leading reinsurers include Munich Re, Swiss Re, and Hannover Re, which are headquartered in Germany, Switzerland, and Germany respectively. Other major players include SCOR, Berkshire Hathaway (NYSE: BRK-A) (NYSE: BRK-B) Re, and Lloyd's of London (NYSE: LYG). Overall, the reinsurance market is highly competitive and constantly evolving, as reinsurers compete to offer the best coverage and pricing to insurance companies and other clients. Oxbridge Re & SurancePlus: Understanding the Opportunity Oxbridge Re Holdings is a Cayman Islands-based company that, through its licensed reinsurance subsidiaries, provides reinsurance solutions and services to property and casualty insurers along the Gulf Coast region of the United States. Founded in 2013, Oxbridge Re specializes in underwriting medium-frequency & high-severity risks that cover property losses from specified catastrophes. The company’s subsidiary, SurancePlus, was officially formed in December 2022 and will serve as Oxbridge Re’s reinsurance tokenization subsidiary. The reinsurance contracts will be underwritten by Oxbridge Re’s reinsurance subsidiaries, Oxbridge Re NS and Oxbridge Reinsurance Limited and will be funded through the sale of participating notes purchased by SurancePlus using the proceeds from its offering of preferred shares represented by DeltaCat Re tokens. The DeltaCat Re tokens will be marketed to accredited investors as tokenized reinsurance securities through Rule 506(c) of Regulation D in the U.S. and to non-U.S. investors outside the U.S. under Regulation S. SurancePlus is slated to generate returns that are non-correlated to the capital markets. Token holders will earn a return on their investment based on the performance of the participating notes that fund reinsurance contracts. SurancePlus estimates token holders could, for each profitable year with no or minimal reinsurance losses, receive an annualized return of up to ~20% - ~40% on the original issue price of the DeltaCat Re tokens. SurancePlus is currently preparing to launch its token offering in the coming months. It has partnered with several key advisory companies to ensure proper compliance and an opportunity for secondary trading on a registered alternative trading system (ATS). SurancePlus has partnered with Securitize LLC, an SEC-registered transfer agent, Ogier BVI (as BVI counsel), and Bull Blockchain Law LLP (U.S. securities counsel). SurancePlus says it chose its partners based on their expertise in digital securities and tokenization. “High barriers to entry have traditionally excluded reinsurance-related securities as an alternative investment opportunity for many investors. SurancePlus will democratize access to reinsurance as an alternative investment opportunity by offering a solution that leverages key qualities of blockchain technology to create a well-designed digital security, the performance of which will not be correlated to the financial markets. Instead, the proceeds raised from the offering of the DeltaCat Re tokens will be invested in participating notes relating to reinsurance contracts,” commented Oxbridge Re Holdings President and Chief Executive Officer Jay Madhu. “By complying with applicable U.S. securities laws, we expect to create significant shareholder value by raising additional capital through token issuance and investing these funds in underwriting higher value reinsurance contracts.” Tokenized Reinsurance Securities vs. Traditional Catastrophe (CAT) Bonds Oxbridge Re’s SurancePlus approach can be seen as a disruptive alternative to the more traditional catastrophe bonds, or CAT Bonds. A CAT bond is a high-yield debt security that is designed to help raise money for insurance companies in the event of a natural disaster. CAT bonds typically yield between 6% and 8%, and during profitable years with no major disasters, bondholders collect their interest and realize a profit. Unfortunately, during unprofitable years that are marked by natural disasters and damage, CAT bondholders could lose their entire investment. In essence, CAT bondholders may be taking a high risk for a reward of only 6% to 8% interest. The risk-reward of CAT bonds may not be an ideal setup for most investors. Oxbridge Re and SurancePlus want to disrupt the CAT bond market by offering investors a higher rate of return to compensate for the inherent risk. The estimated return range of up to ~20% to ~40% of the initial issue price of the token during a profitable year represents a potentially much more favorable risk-reward for investors than traditional CAT bonds. Unlike CAT bonds, the DeltaCat Re tokens will be tradable and will have a three-year token life. The Benefits of Tokenizing Reinsurance Contracts for Oxbridge Re The tokenization of assets is currently a polarizing topic, given the high-profile scandals and scams that have permeated through the adjacent cryptocurrency industry recently. Massive collapses and the associated fallouts from events such as those surrounding FTX and Luna have increased investor risk aversion across the blockchain industry in general. However, Oxbridge Re can sidestep a lot of these issues and provide investors in SurancePlus tokens with greater peace of mind. For one thing, Oxbridge Re is a publicly traded company on the Nasdaq Capital Market. This means Oxbridge Re is subject to SEC reporting requirements. In addition, Oxbridge Re’s annual consolidated financial statements are audited by a registered independent public accounting firm certified under the Public Company Accounting Oversight Board (PCAOB), a nonprofit organization created under the Sarbanes-Oxley Act of 2002 to oversee the audits of public companies. Oxbridge is subject to intense regulation. This is important because it demonstrates why Oxbridge Re's DeltaCat Re tokens are expected to be a real viable opportunity for the company, compared to the overall cryptocurrency industry, which is largely still unregulated. Another major benefit for the company of fractionalizing indirect interests in reinsurance contracts to create tokenized reinsurance securities will be its ability to raise capital without diluting Oxbridge Re’s common stockholders. In addition, it allows the company to raise capital without adding debt on its balance sheet, which is again beneficial to its shareholders. Overall, Oxbridge Re and SurancePlus are working on a major opportunity to become formidable players in the tokenization of indirect interests in reinsurance contracts. The tokenization growth story is still in the early innings, and high-net-worth investors are increasingly seen as a driving force for adoption as they search for better private investment opportunities. The DeltaCat Re tokens will also allow Oxbridge Re to access non-dilutive capital, which can be used to help continue to develop SurancePlus and other operations. The non-dilutive and non-debt properties of the DeltaCat Re token are beneficial for both Oxbridge Re and existing shareholders. In the end, accredited investors could have greater confidence in the DeltaCat Re tokens because they are issued by a subsidiary of an SEC-reporting company. With a very high barrier to entry into the reinsurance business and a fully-compliant approach to tokenization, Oxbridge Re is one stock to keep an eye on. Disclaimer: Spotlight Growth is compensated, either directly or via a third party, to provide investor relations services for its clients. Spotlight Growth creates exposure for companies through a customized marketing strategy, including design of promotional material, the drafting and editing of press releases and media placement. All information on featured companies is provided by the companies profiled, or is available from public sources. Spotlight Growth and its employees are not a Registered Investment Advisor, Broker Dealer or a member of any association for other research providers in any jurisdiction whatsoever and we are not qualified to give financial advice. The information contained herein is based on external sources that Spotlight Growth believes to be reliable, but its accuracy is not guaranteed. Spotlight Growth may create reports and content that has been compensated by a company or third-parties, or for purposes of self-marketing. Spotlight Growth was compensated one thousand three hundred dollars cash by Oxbridge for the creation and dissemination of this content by the company. This material does not represent a solicitation to buy or sell any securities. Certain statements contained herein constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may include, without limitation, statements with respect to the Company’s plans and objectives, projections, expectations and intentions. These forward-looking statements are based on current expectations, estimates and projections about the Company’s industry, management’s beliefs and certain assumptions made by management. The above communication, the attachments and external Internet links provided are intended for informational purposes only and are not to be interpreted by the recipient as a solicitation to participate in securities offerings. Investments referenced may not be suitable for all investors and may not be permissible in certain jurisdictions. Spotlight Growth and its affiliates, officers, directors, and employees may have bought or sold or may buy or sell shares in the companies discussed herein, which may be acquired prior, during or after the publication of these marketing materials. Spotlight Growth, its affiliates, officers, directors, and employees may sell the stock of said companies at any time and may profit in the event those shares rise in value. For more information on our disclosures, please visit: https://spotlightgrowth.com/disclosures/ The Post " Oxbridge Re’s (NASDAQ: OXBR) SurancePlus Subsidiary Aims to Disrupt CAT Bond Market & Provide Better Opportunities for Investors With Plan to Tokenize Reinsurance Securities " First Appeared on Spotlight Growth. Contact Details Oxbridge Re Holdings Ltd Spotlight Growth info@spotlightgrowth.com

February 22, 2023 05:30 AM Pacific Standard Time

XCPCNL Business Services Awarded $2M Purchase Order from Large Tech Company

XCPCNL Business Services Corporation

McapMediaWire -- XCPCNL Business Services Corporation (OTC: XCPL ), a venture development business that leverages knowledge, skill, and experience in the consumer products industry, is pleased to announce, it has been awarded a purchase order in the amount of $2 million from a large tech company. The scope of work for the purchase order includes content creation for how ads work, digital fraud, and tracking narrative, IoT and app store principles, and expansion of consumer advocate and developer network on policy engagement, including events. This is a significant milestone for XCPCNL Business Services, and the company is excited to embark on this project. CEO Tim Matthews expressed his optimism and excitement about the purchase order, stating, "We are thrilled to have been awarded this purchase order, and we look forward to working with our partners to deliver exceptional results. This is a testament to the hard work and dedication of our team, and we are confident that our expertise in SaaS and CaaS platforms will enable us to deliver high-quality solutions to our partners." XCPCNL Business Services is committed to partnering with visionary entrepreneurs and providing them with access to markets and customers. The company's platforms are built on a strategic network of innovation ecosystem, corporate, and university relationships that help their partners inform and accelerate go-to-market strategies. For legality purposes, the name of this tech company cannot be mentioned. XCPCNL Business Services Corporation (OTC: XCPL) encourages shareholders to visit their corporate Twitter account at https://twitter.com/RealXCPCNL Forward-Looking Statements Disclaimer: This press release may include, and oral statements made from time to time by representatives of the Company may have, "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements regarding possible business combinations and the financing thereof and related matters, as well as all other statements other than statements of historical fact included in this press release, are forward-looking statements. When used in this press release, words such as "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "may," "might," "plan," "possible," "potential," "predict," "project," "should," "would" and similar expressions, as they relate to our management team or us, identify forward-looking statements. Such forward-looking statements are based on management's beliefs, as well as assumptions made by, and information currently available to, the Company's management. Actual results could differ materially from those contemplated by the forward-looking statements as a result of certain factors detailed in the Company's filing with the Over-the-Counter Market ("OTC"). All subsequent written or forward-looking oral statements attributable to persons or us acting on our behalf are qualified in their entirety by this paragraph. Forward-looking statements are subject to numerous conditions, many of which are beyond the control of the Company. The Company undertakes no obligation to update these statements for revisions or changes after the date of this release, except as required by law. About XCPCNL Charlotte, NC-based XCPCNL Business Services is a venture development business that leverages its knowledge, skills, and experience in the consumer products industry. Our primary mission is to provide marketing, technology, and other business services to fast-growing consumer product companies and big-box retailers. XCPCNL is a minority-owned and controlled firm. To learn more about our businesses, services, and opportunities, please contact info@xcpcnl.com To learn more about XPCNL, visit www.xcpcnl.com. For Inquiries: Email: ir@xcpcnl.com Contact Details XCPCNL Business Services Corporation ir@xcpcnl.com Company Website http://www.xcpcnl.com/

February 22, 2023 08:30 AM Eastern Standard Time

qBeam Launches Innovative Free Space Optical Communications Modem

qBeam

qBeam, Inc. (qBeam), a leader in the development of groundbreaking optical products and simulation and modeling software, today announced the general availability of its new free space optical communications (FSOC) modem. The qBeam FSOC modem includes features and functionality that maximize the benefits of FSOC technology while overcoming the challenges that have hampered its adoption. FSOC offers a lower cost alternative to fiber optic and other communications options for terrestrial and space-ground networks. The technology has failed to gain traction because legacy FSOC modems do not adequately account for atmospheric conditions that can impact communications. These solutions suffer from a limited operational range and/or data throttling that unacceptably slows speeds yet still does not fully account for deep optical fades. The qBeam FSOC modem works differently. It includes forward error correction tailored to the optical channel and a fade tolerant mode that provides end-to-end protection for transmitted data and avoids the need to adjust data rates to overcome atmospheric challenges. As a result, the qBeam FSOC modem supports longer ranges and higher data rates, delivering unsurpassed stability, reliability, and performance versus traditional FSOC solutions. The plug-and-play qBeam modem integrates seamlessly with existing optical terminals to rapidly deliver these and other advantages to infrastructures already in place. It works with traditional gigabit Ethernet (GigE) networks, supporting both GigE and 2.5 GigE client connections via a standard RJ-45 or SFP+ interface. qBeam is actively seeking relationships with optical terminal manufacturers to make it even easier for customers to quickly deploy a more holistic FSOC solution. “For too long, FSOC technology suffered from untapped potential, leaving government and commercial entities with a variety of underwhelming, unsatisfactory choices to best support their terrestrial and ground-space communications requirements,” said Eugene Estinto, qBeam’s President and CEO. “Our innovative FSOC modem unlocks that potential with a compelling, easy-to-use product that immediately proves its value and changes the landscape for our customers.” Even prior to its official release, U.S. government and commercial customers have purchased the qBeam FSOC modem to address their communications needs. Others can do so today. About qBeam, Inc. Formed in 2014 and headquartered in Leesburg, VA, qBeam Inc. develops optical/laser products and simulation and modeling software for communication links. The company designs and manufactures innovative free space optical (FSO) modems, multi-spectral infrared cameras, laser etching/ablation systems, and optical range simulators. It also authored the Embed/Comm physical layer communication simulation software addon. For more information about our technology company and products, please visit www.qbeaminc.com. Contact Details qBeam, Inc. Eugene Estinto +1 703-574-5321 eugene.estinto@qbeaminc.com Company Website https://www.qbeaminc.com

February 22, 2023 08:00 AM Eastern Standard Time

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Bango strikes deal with Dropbox after starting 2023 at "a heck of a pace"

Bango PLC

Bango PLC (AIM:BGO, OTCQX:BGOPF) chief executive Paul Larbey speaks to Proactive's Thomas Warner after announcing a partnership with cloud storage provider Dropbox. Larbey reveals the benefits of the deal and gives an overview of how Bango's year has started, saying that its started "at a heck of a pace." Bango will be publishing its full year results on 28 March 2023. Contact Details Proactive UK Ltd +44 20 7989 0813 uk@proactiveinvestors.com

February 22, 2023 07:08 AM Eastern Standard Time

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OPPO Launches Find N2 Flip Globally Marking A New Benchmark for Flip Phones

OPPO

OPPO Find N2 Flip announced for global markets Find N2 Flip combines a revolutionary vertical cover screen – the largest of its kind, with a long-lasting, fast-charging battery and a host of flagship experiences LONDON, UK - Media OutReach - 22 February 2023 - OPPO, the world's leading smart device brand, today announced the global availability of its Find N2 Flip. Combining the largest cover screen of its kind with day-long battery life and SUPERVOOC flash charging, Find N2 Flip takes foldables from the fringes to the forefront in a compact, sleek, awesome way. The new OPPO Find N2 Flip puts an industry-leading cover screen into palms and pockets, challenging what we've come to expect from small form-factor foldables. Despite its light weight and pocketable size, Find N2 Flip's vertical cover screen turns OPPO's debut flip phone into an incredible photography tool. The tall cover screen also features powerful widgets that help users stay on top of their notifications, and it's big enough to showcase meaningful information, so there's no need to open your flip phone constantly. Empowered by world-class hardware, a flagship camera system with a Sony IMX890 sensor, MediaTek Dimensity 9000+ power, ultra-fast dual-SIM 5G connectivity, and best-in-class charging speeds, Find N2 Flip marks the start of a new chapter for OPPO and flip phones on the whole. “Every aspect of Find N2 Flip reflects OPPO’s mission to enrich real-world experiences. We combined industry-leading engineering and innovation with intuitive design principles. So Find N2 Flip’s design is burdenless – each component moving in harmony, as it marries a powerful cover screen with a compromise-free package, elevated by subtle, rich flourishes.” Pete Lau, SVP and Chief Product Officer, OPPO Redefining the Cover Screen Measuring 3.26 inches, Find N2 Flip's cover screen is the largest of any flip phone currently available. Its extra size makes everything easier to do, so the big screen is a bona fide fumble-free zone, whether taking selfies or checking notifications. Its vertical orientation is also game-changing, allowing the cover screen to display as many as six notifications in one view – that’s industry-leading for a flip phone. Quickly reply to messages in mainstream messenger apps, toggle settings, record a voice note, answer a call and more – all without picking up or opening your phone. And with less need to engage fully, you can regain control over your digital balance while staying connected. Balancing its useful features with fun, playful moments, Find N2 Flip's cover screen is also home to one of five interactive pets. Choose between a bird, cat, dog, hamster or rabbit, and you'll have company whenever you fire it up. From playful to laugh-out-loud, set a GIF as your cover screen wallpaper for memes on loop, and if you're a Bitmoji fan, your sticker pack can be your AOD (always-on display). In addition to Bitmoji and OMOJI stickers, the AOD also displays helpful insights: the time, date, power status, and notifications. Rather than create a loud, attention-grabbing aesthetic for Find N2 Flip’s design, OPPO dialled down the visual volume, so the phone’s style acts as a backdrop upon which the cover screen shines. With polished aluminium sides, a fingerprint-resistant glass cover and a unique micro-etched wave pattern across the hinge, while Find N2 Flip has a simplified design, it feels rich in the hand and is available in two colours: Astral Black and Moonlit Purple. Weighing just 191g and measuring 7.45mm when open, Find N2 Flip is thin and light, and with its micro-arc, precision curved glass back cover, it feels like it truly belongs in your hand, whether open or closed. And as you use the phone, its immense 6.8-inch E6 AMOLED display is picture perfect, with its cinematic 21:9 aspect ratio and smooth 120Hz adaptive refresh rate. Viewability is also excellent across environments thanks to an advanced Anti-Reflection film and up to 1600 nits of brightness. The Best Flip Phone Camera Find N2 Flip’s flagship 50MP main camera features a large Sony IMX890 sensor with an f/1.8 lens – a strong foundation for incredible imaging. See more and capture with confidence, as the largest cover screen of any flip phone gives you the clearest selfie preview available. And if you’re taking a photo or video of someone else, fire up Dual Preview so they can see how they look. Find N2 Flip’s 17:9 aspect ratio cover screen is the same vertical orientation as your phone’s camera sensor, keeping cropping to a minimum for maximum detail. Unlock even more creativity with FlexForm Mode, made possible by the New Generation Flexion Hinge, as Find N2 Flip holds its position mid-fold between 45º and 110º for waist-level dynamic angles, and evocative 4K time-lapse video. FlexForm Mode also turns your flip phone into a tripod-steady, hands-free camera. Just part-fold it, place it on a surface and then trigger the shutter release with an open palm gesture – perfect for group shots. It also harnesses the power of the 32MP selfie camera. With its Sony IMX709 sensor, autofocus, and wide-angle lens, rest the phone down for a high-quality hands-free video call, with FlexForm mode optimized for apps like WhatsApp and Zoom. Co-developed with the legendary camera manufacturer Hasselblad, Find N2 Flip captures pro-grade colours, a fully featured Professional Mode, and its unique XPAN mode freezes time in a wide, cinematic frame. Much more than just a photography champion, Find N2 Flip’s in-house imaging NPU, MariSilicon X, boosts night video to capture ultra-clear 4K footage in low light, and you can also hold the phone part-folded and sideways, just like a camcorder for a steadier grip. Tested to over 400,000 folds Much of what makes Find N2 Flip incredible is made possible by its New Generation Flexion Hinge, which works in harmony with the main display to create a robust, folding screen with an incredibly subtle crease. The hinge’s miniaturized design is made up of fewer components than the original Flexion Hinge, and in its intricate simplicity, OPPO has achieved a new standard of mechanical stability. The New Generation Flexion Hinge is also more compact than ever, creating more space for a larger cover screen and a higher-capacity, faster-charging battery. Just as with Find N and Find N2, there is no hinge gap when you close the Find N2 Flip, so it keeps dust out, and OPPO appointed TÜV Rhineland to test its durability independently. The phone is certified to withstand over 400,000 folds and unfolds at standard room temperature. That's equivalent to opening and closing the phone around 100 times a day for more than ten years, and it's also tested up to 100,000 times at 50ºC and 95 per cent humidity, and at -20ºC. OPPO also iterated its New Generation Flexion Hinge to guide the screen into the gentlest folding angle possible, creating a waterdrop shaped fold that results in a significantly shallower, narrower crease than other flip phones when unfolded. In addition to being incredibly subtle to the eye, it also feels virtually imperceptible to the touch for an uncompromised, flat-screen experience. The Longest Lasting and Fastest Charging Flip Phone Find N2 Flip crams a massive 4,300mAh battery into its compact body. This is the biggest battery in any flip phone by a huge margin. A long-lasting battery is the result of continuous efforts to redesign everything from the hinge to the SIM tray, eking out as much space as possible to add just a few more milliamp hours of power with every iota of space saved. OPPO also worked closely with MediaTek to create an optimized version of its flagship Dimensity 9000+ chipset for Find N2 Flip. These efforts result in one more hour of video calling, two more hours of social media and five hours of music streaming. In fact, according to our tests, Find N2 Flip is the first flip phone to confidently offer a full day of use on a single charge – critical in popularizing the category on the whole. OPPO also includes the fastest charging of any flip phone on Find N2 Flip – 44W SUPERVOOC, taking the battery from nearly empty to 50 per cent in just 23 minutes, and up to 100 per cent in less than one hour. In summary, Find N2 Flip breaks through barriers with the largest cover screen on any flip phone. With it, world-class selfies and flagship photography experiences are made possible. Robust enough for over a decade of folding, and with all-day power and fast charging, durability and battery anxiety will be little more than a memory as Find N2 Flip marks the start of a new chapter for foldables and smartphones at large. Price and availability OPPO Find N2 Flip will be available to pre-order from 15 February and will cost £849 in UK. About OPPO OPPO is a leading global smart device brand. Since the launch of its first mobile phone - “Smiley Face” - in 2008, OPPO has been in relentless pursuit of the perfect synergy of aesthetic satisfaction and innovative technology. Today, OPPO provides a wide range of smart devices spearheaded by the Find X and Reno series. Beyond devices, OPPO also provides its users with ColorOS operating system and internet services such as OPPO Cloud and OPPO+. OPPO has footprints in more than 60 countries and regions, with more than 40,000 employees dedicated to creating a better life for customers around the world. OPPO Find N2 Flip price will vary based on region. Please contact your OPPO PR representative for local pricing. Contact Details OPPO press team press@oppo.com

February 22, 2023 05:15 AM Eastern Standard Time

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DevZero Wins 2023 DEVIES Award with DevZero Serverless Platform

DevZero

We’re excited to announce that DevZero Serverless has won a 2023 DEVIES Award in the Microservices & Serverless category. The 11th annual DEVIES Awards are the definitive annual awards for the software industry recognizing outstanding design, engineering, and innovation in developer technology across 31 categories. Serverless application development is easy to get started with. But as the team grows, so does the cost and complexity of serverless application development. DevZero Serverless ( https://www.devzero.io/product/serverless ) solves this issue by enabling the creation of namespaced full stacks utilizing the existing production configuration for each engineer, overcoming the complexities of developing in shared tenancy environments, as well as the need for individual, per developer, accounts within AWS. “Developer tools and technology product solutions are leading the way for software developers & engineers to build upon the foundation of the ever-expanding technology sector. DevZero’s win is evidence of their leading role in the growth and innovation in the software industry,” said Jonathan Pasky, Executive Producer of DevNetwork, producer of DeveloperWeek and the 2023 DEVIES Awards. Award winners were selected from a record-high 310 nominations by an expert-led panel of the DevNetwork Advisory Board, based on the following criteria: attracting notable attention and awareness in the software industry; general regard and use by the developer, engineering & IT community; and being a technical leader in its sector for innovation. DevZero ( https://www.devzero.io/ ) was awarded its DEVIES Award at DeveloperWeek 2023 (Feb 15-17, Oakland, CA & Feb 21-22, Virtual), the world’s largest developer and engineering conference & expo with 8,000+ participants from 150+ countries across the globe. What's next for DevZero Serverless Debugging serverless functions is a challenging task because developers do not have direct access to the underlying infrastructure the serverless software executes within. With DevZero Serverless, developers will have the ability to debug your serverless functions in the same way as any other application. This feature offers benefits such as access to detailed logs, stack traces, and the ability to set breakpoints and step through code, while visualizing execution results in real-time without having to package and redeploy your function. These functionalities allow developers to quickly identify and troubleshoot any issues in the code, resulting in significant time and effort savings. Debugging serverless functions in real-time is an invaluable tool in the development process and is an essential skill for developers, since each developer now has their own copy of the production stack. About DevZero: DevZero’s mission is to make engineers happier and more productive than they've ever been. They do this by letting engineers ship better products by writing code in environments that are exactly like production. DevZero was founded by former engineers at some of the most disruptive companies of the last decade. DevZero redefines various stages of the software development lifecycle, allowing engineers to focus on revenue-generating products while simplifying the workflows for DevOps and Platform Engineering teams. More information is available here: https://www.devzero.io/ Contact Details Forrest Carman +1 206-859-3118 forrestc@owenmedia.com Company Website https://www.devzero.io/

February 21, 2023 09:00 AM Pacific Standard Time

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