{"id":97529,"date":"2024-11-04T13:10:45","date_gmt":"2024-11-04T12:10:45","guid":{"rendered":"https:\/\/www.efcom.de\/follow-up-report-symposium-2024\/"},"modified":"2024-11-04T14:04:14","modified_gmt":"2024-11-04T13:04:14","slug":"follow-up-report-symposium-2024","status":"publish","type":"post","link":"https:\/\/www.efcom.de\/en\/follow-up-report-symposium-2024\/","title":{"rendered":"Follow-up report: Symposium 2024"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1708334309580{margin-top: 45px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;]<div id=\"ultimate-heading-826469f2af1a42fde\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-826469f2af1a42fde uvc-7349 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-826469f2af1a42fde h1'  data-responsive-json-new='{\"font-size\":\"desktop:55px;\",\"line-height\":\"desktop:65px;\"}' ><h1 style=\"font-family:&#039;Roboto Condensed&#039;;font-weight:300;color:#eb9000;margin-bottom:30px;\">efcom Symposium 2024<\/h1><\/div><\/div><div id=\"ultimate-heading-637369f2af1a43080\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-637369f2af1a43080 uvc-6381 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-637369f2af1a43080 h1'  data-responsive-json-new='{\"font-size\":\"desktop:50px;\",\"line-height\":\"desktop:65px;\"}' ><h1 style=\"font-family:&#039;Roboto Condensed&#039;;font-weight:700;\">How does factoring work internationally?<\/h1><\/div><\/div>[vc_video 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a.single-soc-icon-15b988045b57f6709eca704584b326f8 .soc-font-icon,\n.dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8 .soc-icon {\n  font-size: 18px;\n}<\/style><a title=\"Mail\" href=\"mailto: sales@efcom.de\" class=\"mail single-soc-icon-15b988045b57f6709eca704584b326f8 dt-icon-bg-on dt-icon-hover-bg-on\"><i class=\"soc-icon soc-font-icon dt-icon-mail\"><\/i><span class=\"screen-reader-text\">Mail<\/span><\/a><\/div>\t\t<\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730451135338{padding-top: 25px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730451161048{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]<span style=\"font-size: 15pt; line-height: 2.0;\">Neu-Isenburg, November 2024 &#8211; Numerous customers, partners, suppliers and a number of interested parties from Germany and abroad accepted our invitation to Neu-Isenburg and turned September 26 into a day of <strong>intensive exchange<\/strong>. The focus was on the question: How does factoring work internationally? And: What advantages in the form of <strong>features and new functions<\/strong> can we generate from this as a software provider? To this end, we invited several participants from <strong>four continents<\/strong> to share their views on the factoring industry with the audience. So it was a trip around the world in just a few hours, if you like.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">The first speaker was the new <strong>FCI<\/strong> Secretary General <a href=\"https:\/\/www.linkedin.com\/in\/nealharm\/\" target=\"_blank\" rel=\"noopener\">Neal Harm<\/a>. In his presentation, he emphasized that FCI sees itself first and foremost as a network that is available to all members worldwide. A network that pays off, as the figures for <strong>open account financing<\/strong> continue to rise. Factoring is still on the rise internationally, even if it has slowed down in the meantime. Companies are dependent on know-how, processes and partnerships in the context of <strong>cross-border trade financing<\/strong>. FCI has acted as an important link here for several decades and now has <strong>over 400 members<\/strong> in <strong>more than 90 countries<\/strong>. A real success story.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Another important player in the field of international factoring is the <strong>EBRD<\/strong>. As a traditional <strong>development bank<\/strong>, it is owned by a total of 72 countries. In his role as Senior Banker for the <strong>Trade Facilitation Program<\/strong>, <a href=\"https:\/\/www.linkedin.com\/in\/marco-nindl-550359\/\" target=\"_blank\" rel=\"noopener\">Marco Nindl<\/a> presented its various products. These include guarantees, liquidity support and the factoring\/reverse factoring program. 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.dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><div class=\"visible wf-cell iso-item\" data-post-id=\"97462\" data-date=\"2024-10-29T17:31:00+01:00\" data-name=\"_K2A2459\"><article class=\"post visible post-97462 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2459.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A2459\" data-dt-img-description=\"\"  data-large_image_width=\"2508\" data-large_image_height = \"1673\" ><img fetchpriority=\"high\" decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2459-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2459-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2459-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97465\" data-date=\"2024-10-29T17:31:27+01:00\" data-name=\"_K2A2468\"><article class=\"post visible post-97465 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2468.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A2468\" data-dt-img-description=\"\"  data-large_image_width=\"2509\" data-large_image_height = \"1674\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2468-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2468-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2468-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730282929099{padding-top: 50px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730462419677{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">An international all-round view<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Several international guests were involved in the discussion: <a href=\"https:\/\/www.linkedin.com\/in\/nassourou-aminou-0a615422\/\" target=\"_blank\" rel=\"noopener\">Nassourou Aminou<\/a> from FCI (Africa), <a href=\"https:\/\/www.linkedin.com\/in\/pmundra\/\" target=\"_blank\" rel=\"noopener\">Pankaj Mundra<\/a> from 360tf (India\/MENA), <a href=\"https:\/\/www.linkedin.com\/in\/cristiangeorgeionescu\/\" target=\"_blank\" rel=\"noopener\">Cristian Ionescu<\/a> from Instant Factoring (Eastern Europe) and <a href=\"https:\/\/www.linkedin.com\/in\/markmandula\/\" target=\"_blank\" rel=\"noopener\">Mark Mandula<\/a> from BCR (USA), moderated by <a href=\"https:\/\/www.linkedin.com\/in\/federico-avell%C3%A1n-borgmeyer-25285a1\/\" target=\"_blank\" rel=\"noopener\">Federico Avell\u00e1n Borgmeyer<\/a> from efcom. According to Pankaj Mundra, the future opportunities for factoring in <strong>India<\/strong> are very good as exports continue to grow. Germany is one of the largest importers. As one of four finance companies across India with cross-border factoring activities, 360tf&#8217;s aim is to help <strong>SMEs<\/strong> export goods around the world. Nassourou Aminou reports in his short article that <strong>Africa<\/strong> currently still has a small share of the global factoring volume. However, there is <strong>enormous potential<\/strong> in all the markets between South Africa and Tunisia, as well as Somalia and Senegal. This must be exploited, also thanks to the important preparatory work by the FCI, EBRD and IFC, for example.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">In his presentation, Mark Mandula shed light on the factoring market in the <strong>US<\/strong>. The fact is that there are only three to four really large factoring companies in the barely regulated US market. Despite the size and importance of this market, factoring accounts for less than 0.5% of <strong>GDP<\/strong> (compared to approx. 12% in the EU)! The reasons for this vary and include the lack of awareness, trust, high costs and complexity.<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-f8c327a5b16e8830f9106418cdd7fd5f mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><div class=\"visible wf-cell iso-item\" data-post-id=\"97476\" data-date=\"2024-10-30T12:49:11+01:00\" data-name=\"_K2A2706\"><article class=\"post visible post-97476 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2706.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A2706\" data-dt-img-description=\"\"  data-large_image_width=\"2560\" data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2706-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2706-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2706-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97479\" data-date=\"2024-10-30T12:49:52+01:00\" data-name=\"_K2A3090\"><article class=\"post visible post-97479 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3090.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A3090\" data-dt-img-description=\"\"  data-large_image_width=\"2560\" data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3090-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3090-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3090-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730295579326{padding-top: 20px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730462452670{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]<span style=\"font-size: 15pt; line-height: 2.0;\">The subsequent presentation by Federico Avell\u00e1n Borgmeyer dealt with the topic of <strong>Islamic factoring<\/strong>. For some time now, efcom has been offering the product <a href=\"https:\/\/www.efcom.de\/en\/solutions\/ifx\/\" target=\"_blank\" rel=\"noopener\">ifX<\/a>, which focuses on the Sharia-compliant mapping of processes in factoring. In the course of our work on this topic, we realized that there is <em>not just one way<\/em> to meet <strong>Sharia requirements<\/strong>, but several correct ways. Our solution currently supports the following contracts: Wakalah Bi-Al Istithmar, Murabahah, Musharakah, Al-Kharaj bi-al-Daman, Bai Muajjal. Which markets are of interest here? Primarily <strong>Saudi Arabia<\/strong> and the <strong>UAE<\/strong>, but also other countries &#8211; for example in <strong>Africa<\/strong> &#8211; whose populations are partly Islamic. Even if Islamic factoring is currently still a niche product, it has great potential for the future.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Finally, Cristian Ionescu presented how the idea of the Instant Factoring platform emerged and what its focus is: <strong>small to very small companies<\/strong> that would otherwise have no access to the financial market. The platform&#8217;s activities in <strong>Romania<\/strong>, <strong>Serbia<\/strong> and now <strong>Spain<\/strong> show that the demand for such services is enormous &#8211; even if the total volume here is comparatively low.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Ultimately, the panelists agreed that education, training and education are <strong>important pillars<\/strong> of successful factoring business &#8211; in all those regions where it is not (yet) established.<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-ef6dde2c7193985d11554b7a4363e444 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-ef6dde2c7193985d11554b7a4363e444 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data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2922-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2922-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2922-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97487\" data-date=\"2024-10-30T14:31:11+01:00\" data-name=\"_K2A3134\"><article class=\"post visible post-97487 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3134.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A3134\" data-dt-img-description=\"\"  data-large_image_width=\"2560\" data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3134-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3134-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3134-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97490\" data-date=\"2024-10-30T14:31:38+01:00\" data-name=\"_K2A3224\"><article class=\"post visible post-97490 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3224.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A3224\" data-dt-img-description=\"\"  data-large_image_width=\"2560\" data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3224-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3224-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3224-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97493\" data-date=\"2024-10-30T14:32:30+01:00\" data-name=\"_K2A3267\"><article class=\"post visible post-97493 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3267.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A3267\" data-dt-img-description=\"\"  data-large_image_width=\"2509\" data-large_image_height = \"1674\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3267-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3267-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3267-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730282929099{padding-top: 50px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730462516656{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">From HR to eInvoicing to risk management<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">efcom has grown rapidly in recent years. This is one of the reasons why <a href=\"https:\/\/www.linkedin.com\/in\/stefanie-harkam-21218022b\/\" target=\"_blank\" rel=\"noopener\">Stefanie Harkam<\/a> is now in charge of <strong>recruiting<\/strong> and <strong>talent management<\/strong>. After an overview of all the new additions at efcom, the implementation of <strong>new HR software<\/strong> from Personio was described. The main keywords here are time and cost savings, employee self-service and personnel development. In operational recruiting, we are breaking new ground in order to be better perceived by younger target groups in particular. There are also innovations in <strong>onboarding<\/strong> and the design of benefits, such as the introduction of <strong>Workation<\/strong>. In our view, this is the only way to retain employees in the long term.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\"><a href=\"https:\/\/www.linkedin.com\/in\/katalinkauzli\/\" target=\"_blank\" rel=\"noopener\">Katalin Kauzli<\/a> implements <strong>eInvoicing systems<\/strong> for providers of financial services in her company PartnerHUB\/Hungary. Why is this topic particularly topical right now? Around 80 countries worldwide have already introduced eInvoicing or are about to do so, which accounts for over 60% of the total global economic volume. One of the reasons for this is to close the VAT gap. <strong>In the EU<\/strong>, eInvoicing is to be mandatory in all member states from 2030 at the latest. For factoring companies, working with structured digital invoice data offers a major advantage, not least by enabling <strong>straight-through processing<\/strong> and the associated cost reduction. How can eInvoicing be used? Either by converting uploaded PDF invoices into the respective digital data format (example: ZUGFerD), directly from the invoicing system or via a tax authority. Finally, Katalin Kauzli showed examples of implementation from Hungary and India.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\"><a href=\"https:\/\/www.linkedin.com\/in\/stephan-kahlenberg-b4820183\/\" target=\"_blank\" rel=\"noopener\">Stephan Kahlenberg<\/a> from Willis Towers Watson has provided insights into the <strong>risk landscape<\/strong> in this country and beyond. In the past, premiums have generally been on a constant downward trend, while sales and <strong>cover capacities<\/strong>, on the other hand, have grown steadily. What has increasingly become the focus of risk assessment is the respective <strong>political (in)stability<\/strong> or the handling of the <strong>climate crisis<\/strong>. In this respect, political cover will continue to play an important role. In addition, the overall economic challenge is to reduce the number of <strong>insolvencies<\/strong>.<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-9e7789812c8f64b4b82b553d6511fd24 mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><div class=\"visible wf-cell iso-item\" data-post-id=\"97501\" data-date=\"2024-10-30T14:45:17+01:00\" data-name=\"_K2A2820\"><article class=\"post visible post-97501 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2820.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A2820\" data-dt-img-description=\"\"  data-large_image_width=\"2511\" data-large_image_height = \"1675\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2820-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2820-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A2820-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><div class=\"visible wf-cell iso-item\" data-post-id=\"97504\" data-date=\"2024-10-30T14:45:49+01:00\" data-name=\"_K2A3018\"><article class=\"post visible post-97504 attachment type-attachment status-inherit hentry no-img\"><a href=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3018.jpg\" class=\"rollover-click-target rollover dt-pswp-item layzr-bg\" title=\"_K2A3018\" data-dt-img-description=\"\"  data-large_image_width=\"2560\" data-large_image_height = \"1707\" ><img decoding=\"async\" class=\"preload-me iso-lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20768%20512&#39;%2F%3E\" data-src=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3018-768x512.jpg\" data-srcset=\"https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3018-768x512.jpg 768w, https:\/\/www.efcom.de\/wp-content\/uploads\/2024\/10\/K2A3018-1152x768.jpg 1152w\" loading=\"eager\" style=\"--ratio: 768 \/ 512\" sizes=\"(max-width: 768px) 100vw, 768px\" alt=\"\" width=\"768\" height=\"512\"  \/><span class=\"gallery-rollover\"><span class=\"gallery-zoom-ico icomoon-the7-font-the7-zoom-06\"><span><\/span><\/span><\/span><\/a><\/article><\/div><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730282929099{padding-top: 50px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730462752634{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">Use of AI in factoring<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">The product name <strong>CubX<\/strong> from efcom stands for \u201cCustomer behavior explorer\u201d. Colleagues Federico Avell\u00e1n Borgmeyer and <a href=\"https:\/\/www.linkedin.com\/in\/dr-vinai-george-biju-b15a8165\/\" target=\"_blank\" rel=\"noopener\">Dr. Vinai Biju<\/a> explained the idea behind it: using the <strong>vast amounts of data<\/strong> available from factoring processes to identify potential <strong>risks and opportunities<\/strong>. For example, predictions can be made about the volume of so-called \u201cair invoices\u201d. When developing and testing CubX, we were able to draw on <strong>anonymized customer data<\/strong>. Here we work completely <strong>transparently<\/strong> and in regular exchange with the customer concerned. The advantages for the customer are obvious: <strong>timely warnings<\/strong> about possible payment delays, <strong>strategic customer categorization<\/strong>, improved <strong>risk and cash flow management<\/strong>.<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-49fe9994d47a03fefa75671ba61b1ece.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - 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The presentation by <a href=\"https:\/\/www.linkedin.com\/in\/wolf-stumpf-318425a6\/\" target=\"_blank\" rel=\"noopener\">Wolf Stumpf<\/a> from Noerr highlighted potential <strong>hurdles<\/strong> and <strong>pitfalls<\/strong>, as well as interesting tips on drafting contracts. Ultimately, international factoring remains a <strong>complex topic<\/strong>, if only because we are talking about very different (supervisory) legal frameworks and regulations. All the more reason to seek advice in advance on the what and how.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">In another workshop, efcom <strong>project management<\/strong> focused on the phases of collaboration with our customers. The participants were asked to arrange the <strong>project process<\/strong> from preparation to conception, implementation and testing through to operation itself using maps and then discuss it together. This contributed to an (even) better understanding of our processes and workflows in a vivid way.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">We also reported on our <strong>ef3\/efX<\/strong> and <strong>efOnline<\/strong> <a href=\"https:\/\/www.efcom.de\/en\/solutions\/\">solutions<\/a> and their highlights in 2024. If you are interested in more details, please contact our <a href=\"mailto:sales@efcom.de\">sales team<\/a>, who will be happy to help you.<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1708334309580{margin-top: 45px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_video link=&#8221;https:\/\/youtu.be\/fAEcXyOTzrQ&#8221; css=&#8221;.vc_custom_1730203255910{padding-top: 45px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;2\/5&#8243;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1730451135338{padding-top: 25px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1730451161048{padding-top: 20px !important;padding-bottom: 10px !important;}&#8221;]Neu-Isenburg, November 2024 &#8211; Numerous customers, partners, suppliers and a number of interested parties from Germany and abroad accepted our invitation to Neu-Isenburg and turned September 26 into a day of&hellip;<\/p>\n","protected":false},"author":5,"featured_media":96993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[70],"tags":[181,140,183,182,305],"class_list":["post-97529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fuer-die-englische-seite-2","tag-efcom-en","tag-factoring-en","tag-future","tag-innovation-en","tag-symposium-en","category-70","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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