Ampio Pharmaceuticals, Inc. (NASDAQ: AMPE) Extended Trial Shows Patients Can Avoid Total Knee Replacement

AMPE has made it known that they are up for sale and if someone doesn’t buy or license the technology soon, they have the capability to proceed on their own.

Ampio Pharmaceuticals, Inc. (NASDAQ:AMPE)

AMPE has made it known that they are up for sale and if someone doesn’t buy or license the technology soon, they have the capability to proceed on their own.”

— Ampio Pharmaceuticals (NASDAQ: AMPE)

MIAMI, FLORIDA, USA, March 30, 2018 / — ( NewsWire) —, a leading independent small cap media portal with an extensive history of providing unparalleled content for the Emerging Growth markets and companies, reports on Ampio Pharmaceuticals, Inc. (NASDAQ: AMPE)

View the complete article including the valuation gap and Investment summary with price target here:

STRUT extended trial Results Show Reduction in TKR Surgeries
Possible First Line Therapy Designation
Likelihood of Approval Moves Forward
Big Pharma Opioid Manufacturers and OAK Drug Companies – Ideal Suitors
Risk Adjusted Earnings Model Supports Hefty $5 Billion + Valuation
Ampio Pharmaceuticals, Inc. (AMPE) announced extended clinical trial results from the STRUT study that showed use of AmpionTM lowered the rate of Total Knee Replacement (TKR) surgery by almost 50% over the use of Saline. Although this study was preliminary in nature it’s results were statistically relevant which means that when the study is completed there is a very high likelihood the outcome will be the same on the larger subset of people.

The impact of these results mean that AMPE can add to the list of current drug uses such as reducing pain, reducing inflammation, increasing function, and increasing global assessment. In addition, the company will be able to claim that the drug reduces TKR’s. This is a complete paradigm shift in the treatment of Osteoarthritis of the Knee (OAK) because now it’s viewed as a Disease Modifying Therapy (DMT). Top drug makers for OAK like Johnson and Johnson (NYSE: JNJ), Pfizer (NYSE: PFE), Teva Pharmaceuticals (NYSE: TEVA), and Purdue focus on reducing pain in this patient population through the use of opiates. Another tier of drug companies which include names like Sanofi Adventis (NYSE: SNY) and Flexion (NASDAQ: FLXN) have focused corticosteroids and hyaluronic acid. AmpionTM is a biologic which means it’s synthesized from human proteins and has no addictive properties like opiates and can be used over and over again.

At the completion of this trial AMPE can include in their Biologics License Application (BLA) that use of AmpionTM will reduce the need for a TKR and up to 5 injections MUST be given before a TKR can be performed. The significance of this paradigm shift is that Orthopedic Surgeons will be required to give AmpionTM before a TKR is performed. The assumption that a large sales force will be needed to sell this drug is no longer valid for a DMT that becomes the new standard of care (SOC).

Trial Results

The STRUT study was a randomized, saline vehicle-controlled study to evaluate the safety and efficacy of AmpionTM when administered as three 4 ml inter articular (IA) injections delivered every two weeks. The study involved a total of 47 patients which was done in 2 phases. Phase 1 was a 7 patient single blind phase where all patients received AmpionTM. Phase 2 was randomized on a 1:1 basis with AmpionTM vs Saline. The primary endpoint was change in WOMAC pain between baseline and week 20. Using an IRB approved protocol AMPE followed up with 39 of 45 patients that completed the study 3.5 years later using a telephone questionnaire. The number of severe or KL-4 patients that would need a TKR was 16.

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What this chart shows is a statistically significant change in the number of TKR’s performed when using AmpionTM. Using the most conservative results AmpionTM can reduce the number of TKR surgeries by close to 50%. If you combine the two groups the numbers are even more impressive with a 29.4% likelihood of a TKR vs an 83.3% using saline. Keep in mind this data point is 3.5 years after injection. This is the most compelling data ever presented in OAK and KL-4 patients and represents a DMT that should be the new SOC and first-line therapy.

Effect on Orthopedic Landscape – First-Line Treatment Designation

Right now the orthopedic market does conservatively 640,000 TKR’s per year. AMPE is seeking a label for up to 5 injections of AmpionTM as needed. Orthopedic surgeons might have had the opportunity to make a judgement call on performing a TKR surgery instead of using AmpionTM. The release of this new this new data statistically shows that AmpionTM should be the first-line treatment in KL-4 patients before attempting a TKR. Ultimately the FDA makes the decisions on this matter but standard governmental guidelines reveals that any first-line treatment that shows an improvement of 30% over the existing standard of care would likely get the first-line treatment designation. Should AMPE get first-line treatment designation, orthopedic surgeons would be required to use AmpionTM before attempting a TKR. This labeling designation could give AMPE the TKR market on a silver platter.

When doctors see the effect of the drug on the most diseased patients, which is measured in weeks, it’s not hard to envision that use of the drug would be prescribed on less severe indications in place of prescribing opiates, corticosteroids and hyaluronic acid. Since doctors see patients at all stages of disease progression, this could be a real multiplier effect driving off label use of the drug.

OAK Drug Development Pipeline

There are 3 types of treatment options for KL-4 patients which include Hyaluronic Acid, Corticosteriods, and Opioids. All these existing treatment options depicted in the chart below fell short in clinical trials in reducing pain and increasing functional improvement but the story doesn’t end there. Two major reports written by the Journal of American Medical Association (JAMA) and the American Academy of Orthopedic Surgeons (AAOS) which both state they “do not support use of triamcinolone’”, “we cannot recommend using hyaluronic acid.” With the exception of AmpionTM, all these drugs in the chart below are FDA approved in this indication even though they missed their endpoint in clinical trials. It’s clear that two nationally recognized associations believe that none of these drugs work and a solution is needed. If approved, AmpionTM will be the only drug that actually met its endpoints.

View the chart here:

Major pharmaceuticals like Sanofi Adventis (NYSe: SNY), Johnson and Johnson (NYSE: JNJ), and Flexion (NASDAQ: FLXN) have failed to meet their endpoints in OAK but got marketing approval because there really aren’t any good options for patients until the advent of AMPE. None of these drugs work effectively long term and have proven to accelerate the disease progression. Injections do work for a short period but the mechanism of action is essentially taking a thin layer of cartilage and liquefying it to provide temporary relief. This isn’t a good long term solution. It is for this lack of a solution that state reimbursements are drying up for the top drug manufacturers. Another solution is needed and AMPE seems to have it.

View the data here:

AMPE – Excellent Buyout Candidate for Big Pharma

Current opiate pharmaceutical manufacturers like Johnson and Johnson (NYSE: JNJ), Pfizer (NYSE: PFE), and Teva Pharmaceuticals (NYSE: TEVA) have come under major political scrutiny for their role in creating the opioid epidemic. Last month Trump announced $13 billion to combat the opioid crisis. Big opiate manufacturers like Johnson and Johnson (NYSE: JNJ) are likely to view the purchase of AMPE as not only good publicity but also has the upside of owning a platform technology. Many of these companies if not all were at the JP Morgan (NYSE: JPM) Conference in January and could be in the process of submitting bids to buy AMPE because it would fix the existing political situation and fill the hole left by the drop in sales they have experienced from the inability to market their drugs.

Investors might find that Merck (NYSE: MRK) is also an interesting suitor because it has not voiced plans to pursue its FORWARD trial which it completed in November 2017. MRK has made overtures that the Osteoarthritis Market needed disease modifying modalities that slow or reverse the progression of the disease. In an earlier release of data in the STRUT trial, AmpionTM demonstrated clinically significant cartilage growth of .02mm in as little as 3 months with one injection compared to MRK’s drug Sprifermin which had the same .02mm growth in healthier knees but took 2 years to get to that level.

Likelihood of Marketing Approval

With 1 pivotal trial completed and another phase 3 trial that exceeded the endpoints the BLA has met the prerequisite requirements defined by the FDA AMPE can look forward to the labeling of the drug and eventually approval. The company has indicated on the latest conference call that they have enough money to complete the BLA and expect to have it done by Q3 if not sooner. It was also included as part of their budgeted burn rate which means they are working on it now. There are some great statistics in the pharmaceutical industry that break down the Likelihood of Approval (LOA) and the next milestone for this company is submitting the BLA license. Assuming they have the BLA done and have submitted the file to the FDA, investors can anticipate the probability of approval is 88.4% according to the Biotech Innovation Organization. The market should start factoring this probability into the stock price as time progresses but might need a catalyst.

Valuation and Market Disconnect

At times the market can be very inefficient at price discovery which could lead to huge swoons and falls in price in the presence of a catalyst. In the case of AMPE, the market disconnect from true valuation is more pronounced so it’s important to look at what factors are impeding true price discovery.

The first factor is the markets fear of further dilution. The company did a couple of rounds of what was viewed as dilutive financing. The company stated on the last conference call that they had $11.2 million in cash, access to a credit facility, and over 5 million warrants in the money that have not yet been exercised. This translates into an $830,000 monthly burn rate with enough cash to take them through January 2019.

The next factor deals with AMPE’s ability to get a licensing deal. The market is simply impatient and feels that if the drug is as good as claimed it shouldn’t take so long to get a licensing deal. The absence of a licensing deal announcement has put considerable pressure on the stock. Adding to the pressure is very high level of short interest in the stock with 13.1% of the float short. The stock is number 18 on the largest short position list. There are also “Fake News” reports weighing heavily on the stock price suggesting that AmpionTM is no better than saline playing on investor’s fears that drug approval is not likely. This negative sentiment is weighing heavily on stock price and the catalyst that could break this deadlock is a licensing deal as it puts to rest the issue of dilution and the ability to generate meaningful revenue.

View the risk adjusted NPV worksheet here:

Net Present Value Model vs Appraisal

The net present value model risk adjusted is a summation of all the future earnings streams and discounted into today’s dollars. Valuations balloon in this model using even the most conservative numbers. Readers should notice the model uses a 9% probability of approval, which is typically the baseline for a New Drug Application (NDA). The profit per dose of $200 is based off the current retail price of Hyaluronic acid which ranges from $300 – $750 per injection. According to AMPE, the label will stipulate up to 5 injections per year which places the profit per patient at $1000 per year. The current risk adjusted model places a $9.533 billion valuation on AMPE using these assumption.

The probability of approval number should be 88.4% and if used in the model with ONLY KL-4 patients yields a risk adjusted value of $6.524 billion.

Although no valuation report was made public, methodology would be the same and include more indication as this model does but with one major caveat. In all likelihood the model DID NOT include 100% market share of the KL-4 patients because that data was just released and the company had indicated the valuation was completed and in the 10 digits.

This last trial data release was a major game changer in valuation because instead of having to build a sales force to achieve market penetration AMPE gets it on day 1 as this is likely to be a mandated first line therapy. Orthopedic surgeons should have no choice but to try it before they can do surgery.

The model is extremely conservative and allows investors to throw out the opiate abusers and other joint surgeries and still and get a valuation in the billions. CEO Macaluso said an appraisal was done with figures in the “ten digit area” and expects the new appraisal with the expanded label will be “multiples” of that. This means the company has gone on record with a $2 billion plus appraisal yet the market capitalization sits at $200 million roughly 10% of its potential value according to the Company.

View the complete article including the valuation gap and Investment summary with price target here:

About is a leading independent small cap media portal with an extensive history of providing unparalleled content for the Emerging Growth markets and companies. Through its evolution, found a niche in identifying companies that can be overlooked by the markets due to, among other reasons, trading price or market capitalization. We look for strong management, innovation, strategy, execution, and the overall potential for long- term growth. Aside from being a trusted resource for the Emerging Growth info-seekers, we are well known for discovering undervalued companies and bringing them to the attention of the investment community. Through our parent Company, we also have the ability to facilitate road shows to present your products and services to the most influential investment banks in the space.

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Emerging Growth Staff
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Source: EIN Presswire

Can You Afford In-Home Care? Here are Some Tips on How to Cut the Cost

Comfort Keepers Warren NJ

Comfort Keepers of Warren, NJ

Comfort Keepers of Warren NJ has a List of Shared Economy Tactics People Can Use to Afford In Home Care

People want the best for their loved ones when it comes to home care, but the scary question is always 'how can I afford it?'”

— Stephanie Howe

WARREN, NEW JERSEY, UNITED STATES, March 30, 2018 / — For most of us, the body starts to slow down sometime between 30 and 40 and it never really stops. Aging creates challenges for people, and while some remain vigorous and physically active well into their 80s and beyond, many retirees find themselves less active and less able to take care of strenuous or exhausting tasks. When this happens to your aging parents or grandparents, the natural solution is to hire in-home care, at least for a few hours a day to help keep up with chores and keep your loved company while you are distracted with things like your job or your own children.

But what if you didn't plan on budgeting for in-home care for your elder parents or grandparents? Most people are still struggling to save for their own retirement and haven't begun to consider the costs that come with assisting their older family members in a society that is aging rapidly.

The good news is that you don't have to rely on your spare time or that of your siblings if you're willing to get resourceful with modern opportunities.

Stephanie Howe, the owner of Comfort Keepers in Warren, NJ, is an expert on budgeting and paying for in-home care. Howe has been running a multi-location home caregiver business throughout Central New Jersey since 2005 and in those 13 years, she has seen a variety of innovative methods to help alleviate the costs of in-home care.

"We know that one of the biggest concerns anyone has when it comes to in-home care," says Howe, "is the cost. People want the best for their loved ones when it comes to home care, but the scary question is always 'how can I afford it?'"

Howe notes that costs tend to vary based on insurance and benefits and this creates a lot of trepidation among people who know they have relatives that need the care but don't know if they can fit it into their budget.

"Each insurance provider and each retirement plan can be different," she says. "But while that makes it a case-by-case conversation, and one we're always looking to help explore the options with, there are a lot of common tips we can share that anyone can do to help."

Comfort Keepers of Warren, NJ, has devised a tip sheet based the sharing economy. This tip sheet taps into things anyone, no matter what age, can do to offset the cost of in-home care through goods and services or trade.

"This isn't a substitute for benefits or insurance," Howe adds. "These are just common things that we have seen clients' families have had success with to add that extra little bit."

Howe notes that Comfort Keepers of Warren, NJ, has a staff of experts that can assist anyone curious about in-home care. This staff will explore options for payment finding the best overall plan. But, Howe adds, the tips list has proven successful in individual cases.

How to Use the Sharing Economy to Help Pay for In-Home Care

Comfort Keepers of Warren, NJ, suggests any of these activities may help:

1) Airbnb Your Spare Rooms

Many retirees looking to age in place have a home big enough for a busy family, but their adult children have moved away and bought homes of their own. This means that you may have plenty of spare rooms to host one large or several small Airbnb listings. If you haven't heard of Airbnb, it is almost exactly what it sounds like. People with spare bedrooms and homes make listings and rent out nights like hotel rooms. All you need to do is keep the rooms decorated and nice and stock a supply of hotel soaps. Maintenance is easy, and a relative might be willing to assist you in setting up and decorating the space to start with.

2) Rent Out Your Parking Space

If you live in an urban area where parking is tight but have an extra parking space available either on the street, in the driveway, or in your garage, you can rent it out through the sharing economy. With even fewer maintenance requirements than an Airbnb, nice people visiting relatives or traveling for work who need a guaranteed safe and legal place to park can book your spot for anywhere from an hour to a week. This is a great way to collect some additional income often without even needing to speak to your guests.

3) Pet Sitting for Your Kind of Pet

For seniors who already have a dog or a cat, many pet owners turn to the sharing economy to take care of their furry friends when they have to go on vacation or a business trip. Compared to kennelling services, sending your pet to 'camp' in another pet-friendly home allows them to make friends, roam, and play instead of spending all weekend in a crate. It's easy to believe that pet parents would be more than happy to pay for this service with the same budget they would have spent on kennelling.

Your Caregiver and the Sharing Economy

Once your sharing economy income starts to generate if you choose to hire an in-home caregiver, be sure to talk to them about also being a part of your sharing economy hobbies. You could re-decorate your Airbnb suite together, think of fun activities for visiting pets, or even start getting creative with the favor economy where neighbors swap favors for cash and bartering all the time from lawnmower trades to batches of homemade pies. Not only is the sharing economy a great way to pay for in-home care, but it's also a fantastic source of activity and socialization.

About Comfort Keepers of Warren, NJ

Comfort Keepers provides award-winning in-home care for seniors and other adults in need of assistance with daily activities. Their highly trained and dedicated caregivers can help your loved one stay in their home for as long as safely possible—a dream come true for both the seniors and their families. Their goal is to enrich the lives of every treasured client while maintaining client safety, well-being, and comfort as each person continues to live independently despite disease and other age-related conditions.

Their caregivers, referred to as Comfort Keepers®, are carefully selected, screened, and trained to provide professional, compassionate assistance that meets the organization’s high standards. Through a unique approach called Interactive Caregiving™, Comfort Keepers' caregivers build true friendships with their clients in order to fulfill their emotional and social needs.

To find out more about Comfort Keepers of Warren New Jersey’s commitment to excellence, please call (732) 369-3639.

This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Joe Fuhrman
Comfort Keepers, Warren, NJ
(732) 369-3639
email us here

Source: EIN Presswire

Blockchain Technology Market Size, Country Outlook, Growth Potential, Competitive Strategies And Forecasts 2018 To 2023

Wiseguyreports.Com Adds “Blockchain Technology -Market Demand, Growth, Opportunities and Analysis Of Top Key Player Forecast To 2022” To Its Research Database

PUNE, MAHARASHTRA, INDIA, March 30, 2018 / — Blockchain Technology Industry


The application of blockchain has now shifted to various areas such as payments, exchanges, smart contracts, digital identity, documentation, clearing, and settlement. Some of the major factors driving the growth of the blockchain technology market are transparency and immutability, faster transactions, and reduced total cost of ownership. The blockchain technology also offers other key benefits such as trustless exchange, durability and reliability, and empowers the users to control all their information and transactions. In coming years the key opportunity areas for blockchain technology would be disruption in technology across various industries; high adoption of blockchain technology for payments, smart contracts and digital identities; and evolution of a new breed of programmable blockchain technology platforms. Blockchain is a distributed ledger technology that records the cryptocurrency transaction data into blocks. Each time a block gets completed, a new block is generated; the blocks are linked to each other in proper linear, chronological order like a chain, with every block containing a hash of the previous block. Each block containing the data is cryptographically hashed, using complex mathematical algorithms.

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In 2008, cryptocurrency was used by gamers and traders for gambling purposes. The blockchain concept gained popularity in 2009 and was implemented into the source code for bitcoin, with the goal of overcoming the shortcomings of physical commodities such as currency. This created a global means of value exchange that was reliable as well as secure, and was used by different intermediaries to conduct and settle transactions. As the distributed ledger technology gained momentum, various use cases of the blockchain technology were explored. In 2016, the blockchain technology went mainstream.

The scope of this report covers the blockchain technology market by type, solution provider, application, end-use industry, and region. The Banking, Financial Services, and Insurance (BFSI) sector is expected to dominate the market during the forecast period, whereas the media and entertainment vertical is estimated to grow at the highest rate, followed by the healthcare and life sciences vertical. The need for banking and financial transactions that are seamlessly integrated into a new and always connected lifestyle will result in the payments market accounting for the largest share during the forecast period. The digital identity market is expected to grow at the highest rate, as blockchain technology will make digital identities more secure and efficient, resulting in seamless sign-on, and also reduce identity frauds by enabling the user identity to be uniquely authenticated in an immutable and secure manner.

North America is expected to hold the largest share of the blockchain technology market during the forecast period, due to the early adoption of blockchain technology in the banking and financial services vertical. APAC offers potential growth opportunities for the blockchain technology market as financial technology investments in distributed ledger technology are expected to grow in the next ten years.

Key innovators in the blockchain technology market include IBM Corporation, Microsoft Corporation, Deloitte, Ripple, Chain, Abra, BitFury, Coinbase, Circle, Digital Asset Holdings, Blockchain Tech Ltd., Global Arena Holding, Inc. (GAHI), Digital CC Ltd., 21, Inc., and Earthport. These players adopted various strategies such as venture capital funding, new product developments, mergers, partnerships, collaborations, and business expansions to cater to the needs of the global blockchain technology market.

For example, IBM Corporation recently launched cloud services for blockchain on Linux-only secure server; and Deloitte, entered into a partnership with Terepac Corporation, a company dealing with IOT devices and data, to create a distributed ledger to allow manufacturers to follow the entire life-cycle of their products, as part of Internet of Things (IOT).

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Table of Content




1. U.S.
1. U.K.




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Contact Us: Sales@Wiseguyreports.Com Ph: +1-646-845-9349 (Us)  Ph: +44 208 133 9349 (Uk)

Norah Trent
WiseGuy Research Consultants Pvt. Ltd.
+1 646 845 9349 / +44 208 133 9349
email us here

Source: EIN Presswire

AXA Insurance Market 2018 Industry Analysis, Opportunities and Forecast To 2022

AXA Insurance Market Research Report 2018 Analysis and Forecast to 2022

PUNE, INDIA, March 30, 2018 / — Summary
"Insurance Company Profile: AXA", offers a review of the company, its business structure and strategy, its financial performance, its marketing and distribution activities, and a SWOT analysis.

AXA Group is one of the largest financial services providers in the world. France is AXA's largest insurance market, followed by the US, the UK, and Ireland. It operates in four business segments: life and savings, property and casualty, asset management, and banking. It has a presence in 64 countries, serves over 107 million customers across the world, and has around 165,000 employees and agents.


Companies mentioned
AXA PPP Healthcare
AXA Strategic Ventures

Key Questions Answered
– What are AXA’s brands?
– What are AXA’s strengths and weaknesses?
– What opportunities and challenges does the company face going forward?

– AXA introduced its new strategic five-year plan, Ambition 2020, on June 21, 2016 following the completion of its Ambition 2015 plan. The new plan is focused on two themes: focus and transform.
– In May 2017 AXA launched a new business unit dedicated to customer innovation and new business models to support its 2020 strategy.
– The unit will consolidate AXA’s plans aimed at expanding the value chain of insurance services by utilizing new technologies and the group’s innovation initiatives.

AXA is the world's second-largest financial services company by revenue ($147.5 B). (Wikipedia)

Reasons to buy
– Learn about AXA’s organizational structure and its core business segments.
– Gain insight into its underwriting and distribution strategy
– Understand the group's advertising strategy.

Table of Content: Key Points
AXA: A Global Overview
Corporate Structure
Historic Milestones
What Does AXA Do Today?
AXA Product Overview

Future Strategy
Advertising Expenditure

SWOT Analysis


Get in touch:

Norah Trent
+1 646 845 9349 / +44 208 133 9349
email us here

Source: EIN Presswire

Cards and Payments Thailand Market 2018 – Entry Exit of Key Players, Identify Opportunities and Challenges

Cards and Payments Thailand Market 2017 – Opportunity, Driving Trends and deep study.

PUNE, INDIA, March 30, 2018 / — Summary
"The Cards and Payments Industry in Thailand: Emerging Trends and Opportunities to 2021" report provides detailed analysis of market trends in the Thai cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debits, check payments, payment cards and cash transactions during the review period (2012-2016).

The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes during the review period and over the forecast period (2017-2021). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.


The report brings together research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

Companies mentioned
Bangkok Bank
Kasikorn Bank
Krungthai Bank
Siam Commercial Bank
TMB Bank
Krungsri Bank
Aeon Credit Service
American Express
Diners Club

The report provides top-level market analysis, information and insights into the Thai cards and payments industry, including –
– Current and forecast values for each market in the Thai cards and payments industry, including debit, credit and charge cards.
– Detailed insights into payment instruments including credit transfers, direct debits, cash transactions, checks and payment cards. It also, includes an overview of the country's key alternative payment instruments.
– E-commerce market analysis and payment methods.
– Analysis of various market drivers and regulations governing the Thai cards and payments industry.
– Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
– Comprehensive analysis of consumer attitudes and buying preferences for cards.
– The competitive landscape in the Thai cards and payments industry.

– As part of the government’s Payment Systems Roadmap 2012-2016, the Bank of Thailand and Thai Bankers’ Association developed a national e-payment system, Prompt Pay, in 2016. This system was launched in January 2017, and is to be deployed in two phases. In the first phase, users are required to link their bank accounts with a mobile number or national ID number – thereby transferring money to recipients or making payments at merchants without the need to divulge bank account details – while phase two allows users to conduct other transactions such as bill payment and request-to-pay services.
– In order to develop the country’s financial sector and promote electronic payments, the Thai government launched the Financial Sector Master Plan (FSMP III) in March 2016; this was an extension to the previously launched FSMP I and II. The plan fosters the government, business and retail sectors to create an environment and infrastructure conducive to the adoption of electronic and financial payments. Some of the initiatives in this regard include the development of robust payment infrastructure, financial literacy among consumers, efficient pricing mechanisms, the establishment of an integrated IT system and industry-wide shared infrastructure and fraud monetary systems. Initiatives like these are expected to further boost electronic payments in the country.
– Mobile network operators (MNOs) are also contributing to the promotion of electronic payments. Leading MNOs, including Advanced Info Services (AIS), Total Access Communication Company (DTAC) and True Move H, are now all offering their own digital wallets. To further increase the use of wallets among their subscribers, in 2015 the three MNOs collaborated to integrate their respective wallets – mPAY, Jaew Wallet and True Money – allowing subscribers to make person-to-person (P2P) payments across the three mobile networks using recipients’ mobile numbers.

Reasons to buy
– Make strategic business decisions, using top-level historic and forecast market data, related to the Thai cards and payments industry and each market within it.
– Understand the key market trends and growth opportunities in the Thai cards and payments industry.
– Assess the competitive dynamics in the Thai cards and payments industry.
– Gain insights into marketing strategies used for various card types in Thailand.
– Gain insights into key regulations governing the Thai cards and payments industry.

Table of Content: Key Points
1.1. Market overview
1.2. Key facts
1.3. Top five industry events
2.1. Current payment environment
3.1. E-Commerce market analysis
3.2. Alternative payment solutions
3.2.1. PayPal
3.2.2. Prompt Pay
3.2.3. mPay
3.2.4. True Money
3.2.5. Master Pass
3.2.6. Line Pay
3.2.7. AirPay
3.2.8. Fortumo
3.2.9. 123 Payment
4.1. Regulatory framework
4.2. Anti-money laundering and counter terrorism financing (AML/CTF)
4.3. Foreign direct investment (FDI) regulations
7.1. Debit cards market analysis
7.2. Competition in debit cards market
7.3. Debit cards comparison
8.1. Pay later cards market analysis
8.2. Competition in pay later cards market


Get in touch:

Norah Trent
+1 646 845 9349 / +44 208 133 9349
email us here

Source: EIN Presswire

UK SME Insurance Market 2017: Key Players AXA, Aviva, Allianz, LV=, RSA, NFU Mutual, Lloyds

UK SME Insurance Industry 2017- By Plan Future Business Decisions Using the Forecast Figures

PUNE, INDIA, March 30, 2018 / — Summary
"UK SME Insurance: Competitor Dynamics 2017", looks at which insurers lead the way in the SME segment and how they are developing their propositions, as well as highlighting how competitor positions vary between micro, small, and medium enterprises. It examines which insurers are winning over brokers and which companies SMEs are placing their business with.

AXA and Aviva dominate the SME insurance space across the vast majority of the 16 commercial products listed in our 2017 UK SME Insurance Survey. Other insurers present in the market play to their strengths when servicing SMEs. Hiscox and Zurich are popular providers for liability products, while Allianz and Direct Line are strong in commercial motor. The main story from the 2017 results is of AXA’s lead narrowing. While Aviva’s share also fell, the margin in market shares between the two has reduced in the vast majority of the nine lines that AXA and Aviva place first and second respectively.


– AXA and Aviva lead the SME insurance space, with 13.9% and 11.3% of SMEs respectively holding a commercial insurance policy with these providers.
– AXA remains dominant across the 16 product lines, but Aviva is closing the gap.
– Brokers place the most SME business with Allianz, Aviva, and AXA.

Companies mentioned
Direct Line
NFU Mutual

Reasons to buy
– Benchmark yourself against the rest of the market.
– Ensure you remain competitive as new innovations and insurance models begin to enter the market.
– Adapt your distribution strategy to ensure it is efficient and still meets customer purchasing behavior.

Table of Content: Key Points
1.1. AXA and Aviva continue to lead the market 2
1.2. Key findings 2
1.3. Critical success factors 2
2.1. Introduction 7
2.2. Allianz and Aviva continue to lead the way for brokers 7
2.3. Aviva’s dominance in non-packaged insurance has been challenged 9
2.4. The increasing focus on cybercrime is an opportunity for insurers 11
2.4.1. Some insurers are looking to innovate to gain an edge in a tough market 11
2.5. The key players 12
2.5.1. AXA is looking into its commercial motor offering 12
2.5.2. Aviva revamps cyber cover 13
2.5.3. Allianz focuses on Brexit 13
2.5.4. Hiscox embraces technology 13
2.5.5. Zurich targets education 13
2.6. Technology is emerging in the market 14
2.6.1. New entrants are rare, but the Financial Conduct Authority sandbox is showing promise 15
3.1. AXA is the dominant insurer, but Aviva is closing the gap 16
3.1.1. Aviva performs well in commercial motor lines, while Allianz is popular with larger SMEs 17
3.1.2. Hiscox is popular in non-motor lines 18
3.1.3. Direct Line remains strong in motor lines 19
3.1.4. NFU Mutual is strong in niche commercial motor lines 19
4. NPS 37
4.1. Hiscox has the edge in customer satisfaction 37


Get in touch:

Norah Trent
+1 646 845 9349 / +44 208 133 9349
email us here

Source: EIN Presswire

Cary Skin Center adopts EHR Interoperability Breakthrough that Powers Efficient Referrals and Care Coordination

Cary Skin Center Physicians

Cary Skin Center announces the use of an EHR Interoperability Breakthrough

We’ve been looking for a solution to close the loop on patient care”

— Robert E. Clark, MD, PhD

CARY, NORTH CAROLINA, USA, March 29, 2018 / — Cary Skin Center, one of the leading providers of Mohs Micrographic Surgery and reconstructive surgery for the treatment of skin cancer, announced the implementation of Infina at its practice locations in Cary and Pinehurst, a significant breakthrough in standards-based interoperability and care coordination that lets a patient’s healthcare providers easily share clinical records with other providers and team members, no matter where they work or which electronic health record (EHR) they use.
ICC Direct – a new capability built into Cary Skin Center’s use of Intelligent Care Coordinator (ICC) – leverages the secure messaging capability built into all 2014 edition Certified EHRs, access to the Surescripts Clinical Direct Messaging solution via the nation’s largest health information network, and universal delivery capability. With ICC Direct, healthcare providers can automate the creation of new ICC referrals from any certified EHR and electronically exchange documents with any provider anywhere. More importantly, ICC Direct connects the relevant clinical information from the EHR directly to the referral workflow in ICC, making it easier for providers using ICC to provide effective closed loop care coordination.
“We’ve been looking for a solution to close the loop on patient care,” said Dr. Robert Clark, M.D., PhD, President of Cary Skin Center, a 7-provider Mohs Micrographic Surgery and reconstructive surgery practice based in Cary, N.C.
“Now with ICC Direct, our referral process is even more efficient with little to no workflow integration changes, and we can easily meet the electronic transmission requirement for MACRA quality payment program for the Merit-Based Payment System (MIPS).”
In addition to gaining the visibility into patient information that is necessary to effectively manage referrals, ICC Direct’s simplified access to contextually relevant clinical information represents a key differentiator for physicians interested in improving patient outcomes and expanding easy access with their referring physicians.
Providers nationwide have been struggling to share information electronically due to technology systems that are unable to easily communicate with each other, with the top barriers cited as cost, vendor support and technical difficulty. The transition to value-based contracts has led physicians’ groups and healthcare organizations to invest in expensive interfaces, integrations, and private HIE’s to exchange information as patients transition across care settings and providers. ICC Direct greatly reduces the need for these costly and time-consuming investments, enabling all providers to share information electronically and seamlessly coordinate care across care settings for about what it costs to fax. As a result, ICC Direct eliminates the top interoperability barriers to patient management and the success of value-based healthcare.
“The primary reason providers need to communicate with each other is because they have patient care and treatment in common,” said Dr. Timothy C. Flynn, M.D., Medical Director of Cary Skin Center. “We wanted to do all we could to enable providers to coordinate referrals and transitions of care in a highly effective and efficient manner.”
Referring providers using ICC Direct can also easily meet the “electronic transmission” requirement for MACRA quality payment program for the Merit-Based Payment System (MIPS). Many providers have had difficulty meeting this requirement.
About Cary Skin Center
Cary Skin Center, one of the leading providers of Mohs Micrographic Surgery and reconstructive surgery for the treatment of skin cancer, joins thousands of providers across the Greater Raleigh Metropolitan Area (including the Raleigh-Durham-Cary Combined Statistical Area).
In 1998, Dr. Robert E. Clark established the Cary Skin Center, a state-of-the-art outpatient surgical center specializing in Mohs Micrographic Surgery for the removal of skin cancer. Dr. Timothy C. Flynn joined the Cary Skin Center in 2001 and together they have successfully treated countless patients in the Triangle and surrounding areas.
Because Mohs surgery is a highly complex and sophisticated surgical method, it requires extensive training. Dr. Clark, Dr. Flynn, Dr. Ayli and Dr. Ingraffea completed 1-2 year intensive training programs, including complex surgical cases and advanced reconstruction to become Fellows of the American College of Mohs Surgery. In addition, they offer over 60 years of combined Mohs surgery experience.

Parker Eales
Cary Skin Center
email us here


Source: EIN Presswire

ICORating Gives WELL Outstanding Review

“ICO WELL has high-hype and low risk” states the agency’s verdict.

Investment of $3m has already been raised
The project has an MVP
There are professionals in the field of health, investment, consulting
The market for the project demonstrates high growth rates”

— ICOrating

LOS ANGELES, U.S., March 29, 2018 / — At WELL, we’ve already received great recognition from the crypto community and have been praised by various ICO rating platforms: 9.5 / 10 at Foundico, 4.5 / 5 at Wiserico, 7 /10 at Foxico, and many more!

Recently we received another very positive review from ICORating. The agency conducts independent in-depth analyses of ICO projects, evaluates them and gives their own score. The rating is based on several criteria, including: technical features of the company, business model, prospects, tokenomics, as well as risk and hype in the crypto community.

“ICO WELL has high-hype and low risk” states the agency’s verdict.

Here are the major highlights of the ICORating analysis of the WELL ICO (the extracts are taken from the published review).

Strengths and Weaknesses of the WELL Crowdsale

Investment of $3 million has already been raised
The project has an MVP (the WEB platform can be accessed here)
There are experienced specialists in the field of health, investment, consulting in the project team and among the advisors
The market for the project demonstrates high growth rates

It is not quite clear how the system will utilise diagnostic devices for patients
The provision of medical services requires licenses and permits for each country, which could cause difficulties in scaling the project

Though there are some challenges, we at WELL are doing everything we can to overcome them and develop the project.

WELL’s Competitors

WELL’s main distinguishing features from the competition include gamification and the availability of charitable doctor's appointments for patients in need.

That’s true. Our project’s mission is to create the Airbnb of healthcare powered by blockchain to make high-quality medical services accessible to anyone in the world, especially to people in need. That’s why here at WELL we have our charitable program “Buy a visit, give a visit.”

Technical Features of WELL

The project has an MVP and registered trademark. According to the team, WELL has already conducted more than 13,000 therapist visits and helped more than 1,600 patients.

Moreover, by 2017, WELL had the largest therapist network in Southern California.

The WELL Roadmap

The project has presented a step-by-step scaling strategy for the development of the platform. By the end of 2018, a Telegraph platform will be launched. In 2019, the project will organize partnerships with state medical agencies and partners from Japan, Korea and China. The target for 2020 is 1m visits per month.
To achieve the goals defined in the roadmap, WELL actively partners with healthcare providers, clinics, insurance companies, and pharmacies: Medicare, Optum, Tricare, Medi-cal. WELL also cooperates with blockchain-based projects offering emerging solutions in order to integrate them into the marketplace, such as Skychain (Artificial Intelligence in healthcare), Travelchain (tourism), ODEM (education), and Rehab Guru (healthcare).

Marketing and Hype
Information about the project is available via a variety of popular services such as Twitter, Telegram, Reddit, Medium, Bitcointalk, LinkedIn, YouTube, Github and Facebook.

Interest in the project is significantly increasing. The team is leading an advertising campaign on social media, communicates with its users in Telegram, keeps a blog on Medium and posts videos on Youtube. There are publications in the media available.

WELL’s mission is to always be open to our supporters and give you as much detail and insight about the project as possible.
All of team WELL is proud to see such a positive analysis of our project and we know that WELL has received global recognition indeed! We hope that this review has helped our supporters learn more about the platform and that you are all as excited as we are about the future of WELL!
Join it. Use it. Grow it
We love our community and are always happy to chat with each of you! Visit our Telegram for discussion and the latest updates on WELL!

Ildar Fazulyanov
WELL Network Ltd.
email us here

Healthcare Marketplace. What is it?

Source: EIN Presswire

Heart Researchers Compare Types of Scans to Determine Which is Most Effective in Detecting Coronary Artery Disease

Patients who receive cardiac positron emission testing (PET) imaging instead of single photon emission computed tomography (SPECT) scan experienced a significant increase in the detection of severe obstructive coronary artery disease, according to researc

The benefit of the study is that it helps us better identify a patient’s risk for adverse events affecting the heart and their need for further care.”

— David Min, MD, Intermountain Medical Center Heart Institute

SALT LAKE CITY , UTAH , USA , March 29, 2018 / — Patients who receive cardiac positron emission testing (PET) imaging instead of single photon emission computed tomography (SPECT) scan experienced a significant increase in the detection of severe obstructive coronary artery disease, according to researchers at the Intermountain Medical Center Heart Institute in Salt Lake City.

Both, PET and SPECT scans are nuclear imaging techniques that provide metabolic and functional information of the heart. PET scans provide better image resolution and quality, but have not yet gotten widespread adaptation compared to SPECT. The study is one of the largest of its kind involving PET patients.

For the study, researchers examined Intermountain Healthcare’s Enterprise Data Warehouse, which is one of the nation’s largest depositories of clinical data, and identified 3,394 patients who underwent a pharmacologic SPECT from 2011-2012 and 7,478 patients who underwent PET in 2014-2015 at Intermountain Medical Center. The average age of the patients was 65 years, and 47 percent of patients were female.

“The benefit of the study is that it helps us better identify a patient’s risk for adverse events affecting the heart and their need for further care,” said David Min, MD, a cardiologist specializing in cardiac imaging at the Intermountain Medical Center Heart Institute, and lead author of the study.

Researchers looked at pharmacologic SPECT so the comparison with PET scans was more accurate. Both scans involve injecting a small dose of radioactive chemical, called a radiotracer, into the vein of the arm. The tracer travels through the body and is absorbed by the organs doctors examine.

Key findings of the study:

> Using PET scans instead of SPECT scans resulted in increased rates of diagnosis of severe obstructive coronary artery disease from 70 percent to 79 percent.

> PET scans were associated with a lower incidence of invasive catheterization without identification of severe coronary artery disease (43% vs 55%).

> Overall, PET more successfully identified patients with severe obstructive CAD and need for revascularization; compared to SPECT, PET scans increased true positives and reduced false positives for severe coronary artery disease.

Results of the study were presented at the American College of Cardiology Scientific Session earlier this month. More than 13,000 cardiologists and cardiovascular clinicians from throughout the world are attending the four-day meeting.

“Since Intermountain Medical Center made the switch from SPECT to PET in 2013, we thought it would be valuable to look at the differences in clinical outcomes since then,” said Kirk Knowlton, MD, director of cardiovascular research at the Intermountain Medical Center Heart Institute. “In order to understand the differences between the two-year period of SPECT utilization immediately before the PET program began and the two years after PET was fully implemented, we conducted a retrospective analysis of catheterization outcomes 60 days after heart patients received various treatments.”

“This study involves one of the largest number of PET patients studied to date,” Dr. Min added. “What we now know is that PET more successfully identifies patient who have high-grade coronary artery disease and may benefit from revascularization. Similarly, PET better identified patients who did not need an invasive procedure. This has broad implications as physicians consider what test best serves their individual patients and institutions consider the advantages and disadvantages of SPECT and PET as well as downstream resource utilization.’”

Other researchers in the study included: Steve Mason, PA-C; Stacey Knight, PhD, MStat; Jon-David Ethington, PA-C; Viet Le, MPAS, PA-C; Kent Meredith, MD; Ritesh Dhar, MD; Jeffrey L. Anderson; MD, Brent Muhlestein, MD; and Donald L. Lappé, MD.

The Intermountain Medical Center Heart Institute, part of the Intermountain Healthcare system based in Salt Lake City, is one of the premier cardiovascular centers in the country.


Jess C. Gomez
Intermountain Medical Center
email us here

Source: EIN Presswire

Financial Investigations Target Deadbeats

It’s usually possible to find out what makes a deadbeat tick. And also to find out when a deadbeat only LOOKS like one, but actually has assets and bank deposits stashed somewhere. That’s when you need an experienced financial investigator.

Demarr's financial investigation program provides important new tools for creditors owed money; for financial institutions, and to injured plaintiffs.

HUNTINGTON BEACH, CALIFORNIA, UNITED STATES, March 29, 2018 / — Financial investigations offer answers about where money comes from, how it moves, and where it gets spent.

What is a deadbeat? The dictionary says “an idle, feckless or disreputable person; a layabout, loafer, idler, good-for-nothing, bum, (or) sponger.” Another refinement is “A parent or someone who calls him- or herself a parent, but does nothing for their children.” A private investigator is frequently called on to investigate a “deadbeat.” Deadbeats can be both human and corporate – sometimes businesses don’t pay their bill, too.

So how to go about conducting a financial investigation?
• Start with what you know: Full name, addresses, address history, birthdate, Social Security Number. Date and state of incorporation, if it’s a business.

• Move on to public records: This area is also known as “Open Source.” Many records are public, and available if you know where to look. Courthouses offer public records of lawsuits and judgments. County recorder’s offices offer records of liens, real property holdings, and mortgage defaults. Secretary of State records offer information about the owners of a corporation, certain kinds of liens against equipment, and information about where to serve process on most businesses. And it’s amazing what can be learned from Google, social media like Facebook and LinkedIn, and targeted website searches in specific cases. See:, “Public Records Search.”

• Obtain information from confidential databases: Here is where the private investigator can really add value. Private investigators build their own databases over time. And they have access to confidential databases with in-depth information about employment history, address history, known associates and corporate ownership history.

• Bank information: Though federal and state legislation limits what can be investigated nowadays about specific bank accounts, there are legitimate ways to obtain bank account information. Creditors, spouses, and commercial firms can provide information. Sometimes it just comes down to going out and interviewing people.

• And the government even helps: The U.S. Justice Department publishes a Financial Investigation Guide. If you want to investigate someone’s finances, it makes sense to use the same checklists the government does (Financial Investigations Guide).

It’s usually possible to find out what makes a deadbeat tick. And also to find out when a deadbeat only LOOKS like one, but actually has assets and bank deposits stashed somewhere. That’s when you need an experienced financial investigator.

John A. DeMarr, P.I. Toll free 877-493-3463,

John A. Demarr, Private Investigator’s new statewide financial investigation program provides important new tools for creditors owed money; for financial institutions and insurance companies; and, perhaps most importantly, to injured plaintiffs across California.

•, "Public Records Search"
• United States Justice Dept., "Financial Investigations Guide"

We can serve process in California, across the United States, in the United Kingdom, Canada, Mexico, Europe, Asia and Latin America.

John A. DeMarr, P.I.,
877-493-3463 Toll-free 877-493-3463.

Questions? To learn more:

John DeMarr
John A DeMarr, P.I.
877 493 3463
email us here

Source: EIN Presswire