Management decision is the process of improving decision making by using all available information to increase precision, consistency, and agility of decisions and making good choices taking known risks and time constraints into consideration. It is a process, or a set of processes used to improve and streamline action items. It makes use of different tools such as business rules, business intelligence, continuous improvement, artificial intelligence, and predictive analytics. It treats decisions as reusable assets and introduces technology at decision point to automate decision-making process. This decision may be fully automated or presented as possible choices for a human to select. Management decision software is designed specifically for business managers to provide them better control over the organization’s decision strategies. By using this software, enterprises can authorize, control, and automate decisions to enhance value, maintain consistency in customer communications, and ensure compliance with regulations. The report features the information on management decision software and services offered by key vendors. Furthermore, it highlights the strategies of the key market players to improve the market share and sustain competition.

In an increasingly digital world and fragmented telecommunications industry, MVNOs are on the rise, applying emerging technologies, exploring new ver ticals, and providing value to both consumers and existing mobile network operators (MNOs). Together with mobile virtual network enablers (MVNEs), which offer network infrastructure and related services to MVNOs, MVNOs allow carriers to expand into new geographic areas and provide unique features and products, increasing connectivity, and responding to niche consumer demands. Currently, MVNOs are well-established in the developed markets, and may become increasingly important in the developing markets as they mature. In recent years, competition in the MVNO market has shifted from pricing to value-added services and product differentiation, owing to the prominence of MNOs in the low-cost cellular services market, in both developed and developing countries. The United States boasts one of the largest MVNO markets in the world and has hosted hundreds of disparate virtual operators and sub-brands, over the last two decades. MVNOs flourished in the United States, due to the Lifeline subsidiary program run by FCC in the country. The major states in the United States have teamed up a few MVNOS, to provide mobile and broadband services at a very subsidized rate.

Mobile security is one of the key elements within mobile devices as it provides better security function to smartphones, laptop and tablets. In addition, increase in usage of mobile devices for tasks that involve sensitive data like important banking information, credit card numbers and social security numbers boosts the growth of the market. Increase in online mobile payment and the rising security need arising from adoption of bring your own devices (BYOD) in workplaces are the major factor driving the growth of the market. In addition, surge in need to provide protection to video streaming content fuels the growth of the market. Furthermore, high cost of mobile security solution and complexity in designing embedded security solution hampers the growth of the market. Furthermore, growth in usage of machine learning and artificial intelligence in mobile security application is expected to provide lucrative opportunity for the market.

According to a WHO report, Helth Employment and Economic Growth: An Evidence Base(2017) women represented 70% of the 43 million global healthcare workforce. Additionally, women also represent a significant share of the informal care givers (taking care of patients at home). However, depite the large number of healthcare professionals being women, females are underrepresnted as decision makers. For instance, according to the World Economic Forum report on gender gap, only 35% of the women hold the leadership roles in the global healthcare industry (2017). Moreover, only 25% of the private organizations and 20% of the government leadership boards follow gender parity (2017). The absence of female decision makers in the venture capital (VC) firms is also evident. For instance, according to a report by International Finance Corporation (IFC), in 2017, only 10% women were decision makers or had a role in decision making in the venture capital firms globally . The lower representation of women in VC firms has led to the low capital flow in the women-led enterprises. For instance, according to the IFC report, the women-led enterprises garnered less than 3% of the total global venture capital in 2018.

Letter of credit confirmation provides guarantee, advising, negotiation, and confirmation services to importers and exporters in the market. It acts as a documentary proof of credit between traders and other parties involved during the trade process. The confirming banks in the market are executing strict rules & regulations in different countries, developing their existing offering by implementing advanced technologies that addresses real-time digitalized letter of credit contract and enhance business efficiency in the market. This, as a result fuels the growth of letter of credit confirmation market. An in-depth analysis across North America, Europe, Asia-Pacific, and LAMEA has also been included. The export L/Cs volume and the operating revenue generated from these services have been considered under the scope of the market. This report features information on letter of credit confirmation services offered by key vendors. Furthermore, it highlights the strategies of key players to improve the market share and sustain competition.

A gift card is a stored value card that is utilized as an alternative source for money at a particular store or business store for purchases related to goods or services. The two major types of gift cards considered under the scope of the report namely open loop gift cards and closed loop gift cards. Closed loop gift cards can be used at a selected outlet or group of outlets depending on the issuing authority. The growing use of ecommerce i.e. digital payments/wallets makes it convenient for consumers to track, manage and redeem gift cards. The gift cards market is expected to experience significant growth during the forecast period, owing to technological innovation in product offerings, and increase in application areas such as hospitality, banking and retail stores. In addition, rise in need for advanced promotional strategies, high adoption rate of smart phones, and growth associated with e-commerce industry drives the global gift cards market. Moreover, increase in popularity of these cards during traveling and increase in demand for gift cards from developing countries are expected to boost the market growth in the future. However, various types of fees associated with card transaction and dearth of security measures as compared to credit or debit cards are major restraints that hinder the growth of the market.

近期十年期国债到期收益率企稳，9 月27 日水平为3.1324%，负债端逐步恢复常态发展，压制保险板块估值的重要因素短期内相对弱化。行业为实体经济提供风险保障和长期资金支持的职能稳定和强化，板块估值仍处于相对底部，具备长期配臵价值。维持行业“推荐”评级。

本周主要指数下行，沪深300 指数跌3.53%，上证综指跌3.56%，创业板指跌2.14%。沪深两市A 股日均成交额6732 亿元，较上周跌10.66%，两融余额15036亿元，较上周涨0.33%。

核心目的旨在规范行业发展，推动互联网保险行业高质量发展：随着互联网保险的不断发展，尤其是在疫情以来的爆发式增长，也暴露出了一些问题和风险。此次文件出台旨在规范互联网保险业务，防范经营风险，促进互联网保险业务高质量发展，保护消费者合法权益，提升保险业服务实体经济和社会民生的水平。

通过复盘，我们发现大多数年份中保险股股价在四季度至次年1-2月会出现阶段性高峰，我们认为对负债端业绩的预期是重要因素，一方面接近年底，保险公司全年保费收入情况基本落地，对当年业绩预期增加更多确定性，另一方面，四季度是保险公司备战次年开门红的重要时点，对于开门红的预期往往在四季度体现，而在次年一季度兑现，市场通常“买预期、卖事实”，且年底面临估值切换，四季度是布局保险重要时机。