The Fire of Feedback destroys what doesn’t work and ignites what does. But unvarnished feedback is hard to take. The truth is not always convenient. Business builders must test our customer offers and market assumptions. It’s like being a phoenix in creative destruction. Every rebirth is a business iteration or pivot. Recently, I consulted a… The post Bathing in the Fire of Feedback: Testing Customer Offers & Market Assumptions appeared first on Berkeley Startup Studio.| Berkeley Startup Studio
When disaster strikes, reliable communication becomes the lifeline. From co-ordinating first responders to maintaining situational awareness in real-time, the ability to share data quickly and securely can mean the difference between life and death. Yet too often, traditional networks fail when they are needed most, fibre lines get severed, cellular towers collapse under load, and […] The post Starlink in emergency Services: Always-On connectivity when it matters most appeared first on Clar...| Clarus Networks
Attracted by the investment opportunities in Dubai but unsure where to start? We have put together a guide for non-residents looking for the best investments in Dubai.| Opportunity Network
The UK, being an extremely attractive country for investment, is known for its growing real estate market, having one of the lowest taxation schemes for businesses, and home to one of the world’s largest and most trusted stock exchanges. Here is all you need to know on how to invest in the UK.| Opportunity Network
The Golden Portugal Visa program is an investment for residence scheme that was started by the Portugal government in 2012. Since its inception, the program has created a €6 billion stimulation to Portugal’s economy.| Opportunity Network
The world of work is changing rapidly and rapid changes often crest fear. But, how substantiated are our fears of the future of work? And, how can we anticipate the changing working environment? According to Jeff Wald, there are three developments that play a significant role in the current future of work.| Opportunity Network
Five executives from around the world share their insights on the supply chain crisis outlook for the rest of 2022 and the future.| Opportunity Network
Closing deals is part of doing business. The right deal can accelerate business goals, achieve a return on investments, and increase sales.| Opportunity Network
Reading Time: < 1minuteThe digital age has made business reporting faster, louder, and often more cluttered. Against that backdrop, the relaunch of DailyBusinessJournal.com offers something different: a return to clarity, The post DailyBusinessJournal.com Relaunch: Raising the Standard in Business Journalism appeared first on USA Daily Standard.| USA Daily Standard
Business moves fast, and the media covering it must evolve just as quickly. That’s why DailyBusinessJournal.com, a respected destination for business readers, has relaunched with a more modern design, faster load times, and a renewed editorial focus. The relaunch positions DBJ as a stronger voice in business media. Its contributors bring perspectives from boardrooms, startups, consulting […] The post A Fresh Look, A Stronger Voice: DailyBusinessJournal.com Relaunches appeared first on Th...| The Pulse of the News
Modern agriculture is undergoing a digital revolution. From real-time crop analytics to autonomous machinery, farms are increasingly reliant on high-speed internet to unlock efficiencies, improve yields, and reduce environmental impact. But with many agricultural operations located in rural or remote areas, traditional connectivity options, like fixed-line broadband or patchy cellular coverage, often fall short. Enter […] The post Starlink in Agriculture: Empowering Smarter, Connected Farmi...| Clarus Networks
The global logistics industry thrives on precision, speed, and visibility, but all of that depends on connectivity. In today’s fast-paced, always-on supply chains, being offline isn’t an option. Yet many key parts of the logistics chain, from remote warehouses to moving freight vehicle, still struggle with unreliable or non-existent internet access. Traditional connectivity options like […]| Clarus Networks
The media landscape has fundamentally changed. Breaking news doesn’t wait for convenient locations with reliable internet infrastructure. Natural disasters strike remote areas, sporting events happen in stadiums without adequate connectivity, and compelling stories unfold in the world’s most inaccessible places. Traditional broadcasting methods—satellite trucks, fixed microwave links, and cellular networks—often fall short when journalists need […] The post Broadcast Without Limits:...| Clarus Networks
The energy industry is undergoing its most significant transformation in decades, with renewable projects expanding into increasingly remote locations and traditional operations requiring more sophisticated connectivity than ever before. From offshore wind farms in the North Sea to solar installations in remote deserts, energy operations are pushing into areas where traditional communications infrastructure simply doesn’t […]| Clarus Networks
As of March 2025, the MSME commercial credit portfolio reached ₹35.2 lakh crore — a 13% YoY growth. Serious delinquencies have dropped […] The post From Orders to Opportunity: How Purchase Order Financing & Working Capital Demand Loans Scale MSME Business Growth appeared first on Credable.| Credable
As global trade dynamics shift and liquidity cycles compress, global banks and financial institutions now stand at the intersection of two defining […] The post Why Banks Are Banking Big on Agentic AI: The New Brain Behind Lending appeared first on Credable.| Credable
Effective cash flow management is one of the most critical aspects of running a successful business, especially for Micro, Small, and Medium […] The post 5 Smart Ways to Manage Your Cash Flow & Avoid Liquidity Crunches appeared first on Credable.| Credable
In the fiscal year 2024, Indian startups raised $30.4 billion, marking a 6.5% decline from the $32.5 billion secured in 2023. Despite […] The post The Working Capital Crunch Holding Back India’s Startup Boom appeared first on Credable.| Credable
Unlocking $225 Billion From Retail Inventory | How Structured Trade Solutions Are Reinventing Strategies and Building Supply Chain Resilience A recent EY […] The post Unlocking $225 Billion From Retail Inventory | How Structured Trade Solutions Are Reinventing Strategies and Building Supply Chain Resilience appeared first on Credable.| Credable
The maritime industry has long grappled with a fundamental challenge: staying connected in the middle of nowhere. Traditional satellite systems have been expensive, slow, and unreliable, often leaving vessels in digital isolation for days or weeks. But that’s changing dramatically with Starlink’s Performance Kit, a next-generation terminal that delivers download speeds exceeding 400 Mbps and […]| Clarus Networks
Staying connected has become essential for businesses operating in remote or challenging environments. Whether it’s a construction site, offshore platform, or rural energy facility, the need for fast, stable internet has never been more important — and often, traditional options like fibre or 4G just aren’t practical. The new Starlink Performance Kit offers a powerful […] The post introducing the Starlink Performance Kit: Enterprise-Grade Connectivity for Demanding Environments appear...| Clarus Networks
Access to electricity is arguably the most crucial pillar of modern society. Our dependence on it touches every aspect of daily life—from powering critical infrastructure and essential public services to something as simple as switching on the TV at night. But with such heavy reliance, how prepared are we to face a sudden loss of […] The post Iberian Peninsula Blackout – Why resiliency matters more than ever appeared first on Clarus Networks.| Clarus Networks
In the high-pressure world of emergency response, every second counts—and communication is everything. Whether it’s coordinating disaster relief, conducting search-and-rescue operations, or managing public safety during large-scale events, response teams must operate in complex, unpredictable environments where traditional connectivity often breaks down. That’s where Rajant’s kinetic mesh networking technology steps in—providing a dynamic, mobile, and […] The post Keeping Emergenc...| Clarus Networks
Transport and logistics form the backbone of global commerce, enabling the smooth movement of goods across vast distances and challenging terrains. However, this sector faces a critical challenge: maintaining uninterrupted connectivity in an environment where traditional network infrastructure often proves unreliable. Whether traversing rural areas, remote highways, or expansive maritime routes, businesses require a communication […]| Clarus Networks
Trust has always been the invisible architecture of B2B finance. It underpins every onboarding, every credit decision, every trade. But today’s financial […] The post Can Trust Be Automated? Rethinking Credit and Compliance in the Age of Real-Time Finance appeared first on Credable.| Credable
A $2.5 trillion Trade Finance funding gap continues to throttle businesses around the world. But in the Gulf, something different is happening. […] The post Inside the GCC’s $50 Billion Working Capital Shift: Reinventing Trade Finance with DPI appeared first on Credable.| Credable
Kearney data report finds the ‘resilient consumer’ has moved from optimization to the brink of sacrifice.| WWD
Equity is expensive. Learn why founders are turning to smarter debt financing to protect ownership, reduce dilution, and fund sustainable growth in 2025.| Credable
In today’s data-driven financial ecosystem, traditional credit scores—once the gold standard for assessing creditworthiness—are increasingly supplemented by real-time data analytics, especially in […] The post Beyond Credit Scores: How Digital Lending Models Are Powering SME Credit in India appeared first on Credable.| Credable
Discover how embedded finance, AI, and APIs are transforming invoice discounting into a seamless liquidity solution for MSMEs and supply chains.| Credable
Few sectors rival agriculture in their sheer scale, volatility, and operational complexity. In 2023, global agricultural exports by the top ten economies […] The post Structured Trade Solutions: Financing India’s Complex Agricultural Supply Chains appeared first on Credable.| Credable
In India’s vibrant economy, Micro, Small, and Medium Enterprises (MSMEs) aren’t just contributors—they are the growth engines powering innovation, employment, and GDP […] The post How MSMEs Can Save More with Hidden GST Advantages appeared first on Credable.| Credable
For much of the 19th century, tariffs were the backbone of U.S. government revenues, constituting nearly 90% of total collections. But that […] The post Tariff-Driven Trade Volatility: Why the $9.7 Trillion Trade Finance Engine Is Under Strain appeared first on Credable.| Credable
In today’s global marketplace, the need for supportive measures for the Micro, Small, and Medium Enterprises (MSMEs) sector cannot be overstated. Among […] The post How the Unpaid Dues of INR 26,414 Crore Are Threatening MSMEs’ Working Capital Stability appeared first on Credable.| Credable
In 2025, the transformation of Accounts Payable (AP) is no longer a vision—it’s a velocity. With 74% of AP departments already leveraging […] The post The AI Revolution in Accounts Payable: Powering the Next Era of Working Capital Management appeared first on Credable.| Credable
Scalable working capital platforms need to be engineered for resilience. They must serve corporates, suppliers, and lenders—without compromising on speed or control. […] The post Building Scalable Working Capital Platforms by Balancing Business, Technology, and User Needs appeared first on Credable.| Credable
India’s securitization landscape is undergoing a structural transformation. Once dominated by retail assets and traditional NBFC-originated loans, the market is now embracing […] The post Inside India’s $28 Bn Securitization Boom: Rise of Trade Receivables as an Asset Class appeared first on Credable.| Credable
Globally, the race to meet aggressive decarbonisation goals is heating up. What’s interesting is that the solar industry is emerging as a […] The post Structured Trade Finance: A Key Enabler for India’s Solar Power Future appeared first on Credable.| Credable
The Union Budget 2025-26 opens up significant opportunities for Micro, Small, and Medium Enterprises (MSMEs)—a sector crucial in positioning India as a […] The post More MSMEs, Tighter Deadlines, and Compliances: CredAble’s Structured Trade Solutions Help Corporates Stay on Track appeared first on Credable.| Credable
The global economy is treading into uncharted territory. Trade markets are in a meltdown mode. And all eyes are on U.S. President […] The post Trump’s Trade War Call for a Renewed Focus on India’s Supply Chain Ecosystem appeared first on Credable.| Credable
The ongoing geopolitical tensions have reminded the world of the fragility of global supply chains. If you look at the numbers—47% of […] The post Unlocking 2X Profitability with Smarter Inventory & Channel Financing Solutions appeared first on Credable.| Credable
India is getting concert-ready. The clamour for Coldplay tickets says a lot about the nation’s growing appetite for extraordinary music experiences. A […] The post India’s Concert Economy Boom: From Coldplay to INR 8,000 Cr Opportunities appeared first on Credable.| Credable
Over the last five years, supply chains have received unprecedented attention due to disruptions caused by the pandemic. Not to mention economic […] The post The Strategic Role of Working Capital Financing in Future-Proofing Supply Chains for 2025 appeared first on Credable.| Credable
The Indian Premier League (IPL) 2025 mega auction turned into a high-stakes showdown of team budgets. Given the fanfare surrounding the previous […] The post IPL Mega Auction: Teams, Tactics, and the Economic Showdown appeared first on Credable.| Credable
Indonesia is currently Southeast Asia’s largest economy. The Small and Medium Enterprises (SMEs) are poised to be a critical segment in the […] The post How DPI is Powering Indonesia’s Working Capital Revolution. appeared first on Credable.| Credable
Innovation without the wait—low-code platforms let you go from concept to deployment in weeks. Bankers can now turn on rapid prototyping, lower […] The post Harnessing Low-Code Platforms and BREs for Future-Ready Banking Operations appeared first on Credable.| Credable
There is no dearth of data. Automation workflows are in place. Yet, treasury teams grapple with ongoing challenges in visibility and reconciliation […] The post Why API and ERP Integrations Are Critical to Corporate Treasury’s Success appeared first on Credable.| Credable
Businesses today are looking to capture time-sensitive opportunities with smarter channel financing solutions. This comes at a time when: Channel financing programs […] The post Simplifying Channel Financing: The Impact of FinTech Innovation appeared first on Credable.| Credable
The retail space has transitioned from a time of turbulence to that of resurgence. The E-commerce industry in India is on an […] The post The $70 Billion D2C Explosion in India: How Can FinTechs Redefine the Retail Landscape? appeared first on Credable.| Credable
Trade finance has been around for a long time now and prides itself on its deeply-rooted rules. But here’s the thing—in a […] The post Unlocking Hidden Opportunities in Trade Finance with Automation and Interoperability appeared first on Credable.| Credable
Sweat. Tears. Glory. The Paris Olympics 2024 have been nothing short of phenomenal, with nations showcasing their finest sporting talents on the […] The post Paris Olympics 2024: A Test of Supply Chain Resilience and Economic Impact appeared first on Credable.| Credable
The race towards real-time is real! In a world where 25% of business bankruptcies occur because of unpaid invoices, real-time receivables financing […] The post Funding of Invoices in Real-Time: How Banks and FinTechs Collaborate to Enhance Real-Time Receivables Financing appeared first on Credable.| Credable
As the supply chain financing industry is adjusting to a structurally higher interest rate environment, banks are stepping up their efforts by […] The post How Can Indian Banks Capture a Share of the Global $20 Billion appeared first on Credable.| Credable
The Union Budget 2024–25 has achieved a fine balance between holistic growth and all-inclusive welfare. This is a real booster budget, as […] The post A Breakdown of Budget 2024-25: A Renewed Focus on Building the Resilience of the MSME Sector in India appeared first on Credable.| Credable
India’s economic progress has largely been on an upward trajectory despite frequent bouts of global uncertainties and market volatility. Promoting inclusive financial […] The post Accelerating MSME Financing: How are FinTechs Delivering Funds Within 24-48 Hours appeared first on Credable.| Credable
In the past decade, Indian startups have carved out a formidable presence, collectively raising over $130 billion in funding since 2014. This […] The post What Has Led to the Sudden Surge in Demand for Revenue-Based Financing? appeared first on Credable.| Credable
Demand fluctuations, coupled with the shutdown of production units and interruptions in supply chains, have severely tested the resilience of the automotive […] The post Dominating 90% of EV Financing: How OEMs Utilise Tech-Enabled Working Capital Financing to Fulfil Requirements appeared first on Credable.| Credable
The complexity and cost of trade finance have presented challenges even before the disruptions caused by the pandemic and the more recent […] The post How Corporates Can Empower their MSME Suppliers with Anchor-Led Supply Chain Financing appeared first on Credable.| Credable
Voting is already underway for India’s general elections—also deemed to be the biggest election that the world has ever seen. As per […] The post Lok Sabha Elections 2024: The Capital Game Behind the World’s Biggest Election appeared first on Credable.| Credable
The Indian Premier League (IPL) has come a long way as a multinational sporting franchise. Having registered a massive 28% growth in […] The post The Biggest IPL Gamble: Decoding the Daily Rise of 130 Million Fantasy Cricket Gamers appeared first on Credable.| Credable
The technological waves of disruption have dramatically altered how financial services companies create value for customers, employees, and other stakeholders. As Artificial […] The post The FinTech Low-Code Revolution Ushers in a New Wave of Innovation in the Bank’s Underwriting Value Chain appeared first on Credable.| Credable
To thrive in the emerging supply chain ecosystem, it’s time we rethink the traditional value chain through a multifaceted lens. This includes […] The post Streamlining the Dealer Financing with FinTech Automation appeared first on Credable.| Credable
Effective working capital management is paramount for SMEs in order to maintain their financial stability and economic fluctuations. Companies can enhance their […] The post How AI & Data Analytics are Revolutionising Supply Chain Financing appeared first on Credable.| Credable
As of October 2023, India boasts 111 unicorns—with a combined valuation of $349.67 billion. Last year, India’s startup landscape also marked a […] The post Beyond Valuations: Quasi-Equity and Revenue-Based Financing’s Role in Driving Sustainable Growth for Startups appeared first on Credable.| Credable
Global disruptions have highlighted the need for robust and agile supply chains, however, as borrowing cost is on the rise, the financial […] The post Making Supply Chain More Inclusive with Pre-shipment Financing appeared first on Credable.| Credable
Today, semiconductors are powering trillions of dollars of goods and processes. Poised for a decade of growth, the global semiconductor industry is […] The post Decoding India’s Ambitious $15.2 Billion Semiconductor Plans appeared first on Credable.| Credable
The pace of change in the financial services industry is not slowing down. Banks are increasingly accelerating their journey to digital to […] The post Banking in the Tech Age: Unveiling Key Strategies for 2024 with Satyam Agrawal appeared first on Credable.| Credable
We have witnessed steady digitisation and growth for over a decade now driven by strong socio-demographic fundamentals. Riding on the back of […] The post Cash Flow-Based Lending: Pioneering Financial Inclusion for MSMEs appeared first on Credable.| Credable
The space industry has sparked significant interest from economies across the globe, drawing the attention of governments and the private sector. The […] The post Sky’s the Limit: India’s Space Economy Now Open to 100% FDI and Poised for 5X Growth appeared first on Credable.| Credable
Amid globalisation and technological advances, businesses of all sizes around the world are tapping into digital technologies to enhance their competitiveness and […] The post Leapfrogging Digital Transformation: What’s Driving Digital Adoption Among MSMEs? appeared first on Credable.| Credable
Micro, Small, and Medium Enterprises (MSMEs), play a central role throughout the global economy and represent a massive untapped source of growth […] The post Credit for the Underserved: Addressing The Massive $530 Billion MSME Credit Gap appeared first on Credable.| Credable
Governments across the globe are stepping up their fight against climate change and seeking cleaner energy alternatives. Consequently, the seismic transition toward […] The post Financing the Future: How FinTechs Are Accelerating India’s Electric Vehicle Revolution appeared first on Credable.| Credable
Imagine yourself at a self-checkout station in a grocery store. You scan your items, put them in bags, and subsequently proceed to […] The post Smart Contracts: Unlocking Efficiency in Supply Chain Financing appeared first on Credable.| Credable
For private equity (PE) firms and their portfolio companies, the world is arguably more volatile than ever before. Between rising geopolitical tensions, […] The post How Working Capital is Fuelling a New Era of Value Creation in Private Equity Firms and Their Portfolio Companies appeared first on Credable.| Credable
The Saudi Arabian tryst with Sports. The Saudi Arabian foray into the world of sports unfolded with both glamour and intrigue. It […] The post A Swing Towards Prosperity: LIV Golf, PGA, and Saudi’s $1.5 Trillion Pursuit appeared first on Credable.| Credable
Let’s face it, the excitement we get in shipping a brand-new feature is unmatched. Nothing quite like the nerves that take over […] The post Anti-Product Roadmap: A Deep Dive into Feature Streamlining (Part 2) appeared first on Credable.| Credable
What is Tokenisation? Tokenization involves issuing digital representations of assets as tokens on a blockchain. It has gained traction, with 90% of […] The post Tokenisation: Fuelling Global Supply Chain Innovation appeared first on Credable.| Credable
The Evolution of Banking Credit is the most critical component for MSMEs and provision for credit is a critical problem MSMEs face. […] The post A Deep Dive into Credit Underwriting 2.0 appeared first on Credable.| Credable
The Evolution of Banking 1472, the First of the currently operational banks opened in the Tuscan City of Siena. This pioneering institution […] The post Infusing Technology for Convenience in Banking appeared first on Credable.| Credable
Product managers idolise the idea of building new features. This is a given considering how most product managers are driven by the […] The post The Anti-Product Roadmap: A Thoughtful Approach to Feature Streamlining appeared first on Credable.| Credable
Software as a Service (SaaS) business models have evolved at an incredible pace over the last few decades. The changes in end-user […] The post Driving Vertical SaaS Success: The Embedded Finance Opportunity for Banks & Fintechs appeared first on Credable.| Credable
In the world of tech, Software as a Service (SaaS) has undoubtedly taken over as the fastest-growing business model. SaaS has charged […] The post Key Factors Catapulting India to Become the Next Global SaaS Capital appeared first on Credable.| Credable
We’re living in a brave new digital world where significant advances in Artificial Intelligence (AI), Metaverse, and Web3 are stitching the physical […] The post Financial Innovation in the Digital Age: The Growth of Embedded Finance in Southeast Asia appeared first on Credable.| Credable
Collaborating with FinTechs emerges as a pivotal strategy for guiding banks through the evolving digital realm. However, the influx of FinTech entrants […] The post Elevating Transaction Banking: Unleashing Embedded Finance and Technology’s Power appeared first on Credable.| Credable
The ever-evolving world of finance has experienced a profound transformation with the rise of embedded finance. By integrating financial services seamlessly into […] The post How Corporates Are Making the Transition from Embedded Finance to Embedded Treasury appeared first on Credable.| Credable
Taylor Swift’s Eras Tour has been creating quite a buzz, captivating the hearts of millions of fans worldwide. The Eras Tour, considered […] The post The ‘TSwift Lift’: How Taylor Swift’s Record-Breaking Eras Tour is Boosting $5 Billion Economy appeared first on Credable.| Credable
Asia’s race to become the world’s leading financial hub is heating up. The Asia-Pacific (APAC) region is solidifying its position as a […] The post What’s fueling the private credit spike in Asia? appeared first on Credable.| Credable
In the ever-evolving landscape of banking and finance, a new paradigm is emerging – composable Banking as a Service (BaaS). Embracing a […] The post Transforming Global Banking and Supply Chain Finance with Customised Technology appeared first on Credable.| Credable
In the last decade, the technology revolution in the financial services sector has incredibly peaked. What we see today is a radical […] The post Revolutionising Underwriting Journeys in Urban Co-operative Banks with BaaS Platform appeared first on Credable.| Credable
In recent years, purpose driven MSMEs (Micro, Small, and Medium Enterprises) have emerged as key players in shaping national economies and driving […] The post Financial Strategies & Cash Flow Management for MSME Resilience appeared first on Credable.| Credable
Trade finance has been pivotal in driving the world economy forward. For banks, trade finance is not just economically vital. It has […] The post Powering up Trade Finance: Connecting Banks and Corporates With Innovative Digital Ecosystems appeared first on Credable.| Credable
Despite their prominent role in the economy, the credit gap of Micro, Small, and Medium Enterprises (MSMEs) continues to be an unaddressed […] The post Fueling MSME Growth: Emerging Lending Models Are Accelerating Credit Flow to the MSME Sector appeared first on Credable.| Credable
Sudden changes in the economy and disruptions in the supply chain have resulted in mounting credit constraints, adding to the competitive pressures […] The post 5 Proven Ways to Shorten the Cash-to-Cash Cycle and Free Up Capital appeared first on Credable.| Credable
In today’s fast-paced business environment, controlling the cash flow of your business is an essential ongoing responsibility. Businesses can do several things […] The post Elevating Business Performance & Supplier Relations Management with Early Payment Solutions appeared first on Credable.| Credable
“In the world of business, cash is king.” This explains why unlocking cash trapped in company balance sheets is at the top […] The post How Enterprises Can Intelligently Manage Cash Flow Pressures and Build Supply Chain Resilience appeared first on Credable.| Credable
In today’s digital ecosystems—Application Programming Interfaces (APIs) are the connecting tissue. APIs hold great promise for tech modernisation. They offer benefits from […] The post How APIs are Fundamental in Embedding Services and Making Finance Frictionless appeared first on Credable.| Credable
“Act now to thrive tomorrow.” For nearly a decade, digitalisation has been a top-of-mind topic in the boardrooms of financial institutions. As […] The post Top 5 Reasons Why Banks Need an Effective Operating System to Reimagine Working Capital Financing appeared first on Credable.| Credable
Driven by favourable socioeconomic factors, digital lending has grown exponentially in the last decade. With rapid digital adoption, a spike in loan […] The post Banking the Unbanked: India’s Renewed Focus on Digital Lending appeared first on Credable.| Credable
According to recent reports, the global trade finance market is estimated to reach US$ 68.62 Bn by 2032. Undoubtedly, trade is the backbone […] The post The ‘Everything-You-Need-to-Know’ Guide on Structured Trade Finance appeared first on Credable.| Credable
There’s no denying the fact that India is a dominant force in the world of cricket. With the 16th edition of the […] The post IPL to Drive a Surge in Revenue for Fantasy Gaming Platforms appeared first on Credable.| Credable