N.c.o. financial jobs

I am looking for an experienced .NET developer who has worked on both web and desktop applications. The ideal candidate should also have a strong background in algo trading and low latency applications. Key Requirements: - Experience with C# and Visual Studio for .NET development. - Previous work on both web and desktop applications. - Proven experience with algo trading. - Prior experience working in low latency applications - React JS work experience is added advantage Skills: - Worked with Websocket, REST APIs - React JS - Ability to understand code written by others and refactor. - Write clean, robust and performant code. Your role will involve: - Building and maintaining robust, high performance applications. - Using your knowledge of algo trading to implement and optimize t...

I'm looking for a highly skilled QT senior development engineer to help build a desktop application. This project will tap into your expertise in various areas such as C++ programming, the QT framework, and user interface design. Key Skills & Experience: - Strong proficiency in C++ - Extensive experience with the QT framework - Excellent User Interface (UI) design skills - Knowledge in Python and 3D will be a plus The main function: 1: Windows platform, jointly developed by QT+python. 2: Communicate with hardware devices through serial port/Ethernet. 3: Support MODBUS-485, TCP, UDP and other communication protocols, with 1ms cycle response. 4: Support hardware parameter configuration, multi-channel data analysis, storage, data playback, and support real-time data...

i am looking for full time work in my company if you are ready to work full time let me now Key responsibilities include: - Developing the C# desktop application - Ensuring the application is compatible with different operating systems Skills and experience that will be required: - Proven experience in C# development - Experience in developing desktop applications - Ability to deliver under tight deadlines Please submit your proposal and relevant experience.

I need a web-based application to calculate the dues per apartment based on the expenses categorized by type. The main points are: - Expense Categorization: The app should categorize the expenses by type. For instance, maintenance...should categorize the expenses by type. For instance, maintenance, utilities, repairs, etc. - Dues Calculation: - Square Footage Basis: The apartment dues should be calculated based on the square footage of each apartment. - Platform: The application should be web-based, accessible from any browser. Ideal Freelancer: - Experience with web application development, especially in accounting or financial tracking software. - Understanding of expense categorization and calculation based on different parameters. - Familiarity with building user-friendly i...

...looking for an exceptional PowerPoint designer who can use a professional theme and color scheme to turn my financial transformation metrics into an engaging, compelling presentation - one that's set to impress at an upcoming award ceremony. Key Duties: - Design a 20-slide PowerPoint presentation focusing on the financial transformation metrics of a large organization. - Use a professional color scheme that matches the tone of the event and makes the charts and graphs easy to understand. - Make the presentation engaging, logical yet impressive to the jury at an award ceremony. Ideal Skills and Experience: - Excellent PowerPoint design skills. - Experience in interpreting financial metrics and transforming them into captivating visuals and slides. - Understa...

...Business Administration, Economy, or a related field, which can be very beneficial for understanding the technical and business aspects of startups in the blockchain domain. Welcome to Defi Degen! What We Offer The flexibility to work remotely A supportive and autonomous work environment that empowers you to make impactful decisions. Competitive compensation in stablecoins or top cryptocurrencies, financial exposure to the future success of our startups. APPLY TO THE JOB HERE:

...to: - Conduct market research on Bali's residential real estate landscape. - Identify key competitors, their strengths, weaknesses and market positioning. - Develop a detailed financial plan, including revenue projections, expenses, and funding needs. - Outline a clear and compelling strategy for attracting potential investors and securing funding. Ideal candidates for this project will have: - Proven experience in creating successful business plans for real estate ventures. - Deep knowledge of Bali's real estate market, particularly in the residential sector. - A strong understanding of financial planning and projections, as well as the requirements for attracting investors. Please only apply if you have the relevant experience and can deliver a...

My project requires the expertise of a freelancer with in-depth knowledge of XBLR accounting. The task is to leverage this skill to generate accurate financial reports for my business, with a specific focus on income statements. Key Responsibilities: - Compile, analyze, and present precise income statements - Ensure the inclusion of gross profit, operating income, and net income in each report. Ideal Freelancer: - Proficient in XBLR accounting - Proven experience in compiling and presenting income statements - Ability to pay attention to detail to ensure accurate financial reporting - Understanding of accounting regulations is highly desired, although not mandatory.

Need someone to go through one of my company bank statements for the last 8 months and prepare both years financial statements (profit/loss and balance sheet).

Hi Alexander Anto C., I noticed your profile and would like to offer you my project. We can discuss any details over chat.

Hi Pauline N., I noticed your profile and would like to offer you my project. We can discuss any details over chat.

I'm in search of accounting specialists who can oversee my bookkeeping and provide financial statement analysis. Key Project Details: - Primarily undertake bookkeeping services weekly. - Utilize the Xero accounting software for the tasks. Ideal Skills and Experience: - Proficient in Xero, with a demonstrated track record of successful bookkeeping. - Experience in financial statement analysis. - Strong communication skills to discuss the financial health of the business. - Knowledge of current accounting standards. - Ability to deliver high-quality work within agreed deadlines. I look forward to collaborating with a professional who can provide a high level of service and contribute to the overall financial management of the business.

We're seeking a detail-oriented and web-savvy freelancer/contractor to build a comprehensive database of sign manufacturers/companies in France. Project Scope: • Research and identify qualified sign manufacturers/companies/suppliers/sellers/stores across France. • Utilize various online resources, including: o Search engines (Google, Bing, etc.) o Social media platforms (Facebook, Instagram, LinkedIn) o Industry directories and publications (list specific resources if known) o Business databases (mention specific databases if known) • Gather and verify contact information (name, email, phone number) for each lead. • Compile lead data into a Excel format . Qualifications: • French reading and understanding - ONLY • Excellent r...

I require the expertise of a proficient Odoo ERP freelancer to assist in migrating data from an old system to a new one. Key Requirements: - Expertise with Odoo versi...system version is crucial to successfully migrate the data without loss or corruption. - Extensive experience is paramount. I'm eager to hear about the similar data migration projects you've handled in the past and the results you've achieved. - A deep understanding of the Accounting module which the data is primarily focused on. Ensure you are adept at dealing with figures, financial data, balance sheets and other financial reports. Best suited freelancers would be detail-oriented, meticulous, and possess a proven track record of handling similar tasks successfully. Let’s set the bal...

I have a Microsoft Word Form document (tables filling 2 pages) that I'd like converted into a webpage form that users can interact with. The form will be used to enter essential information to properties by our data entry operators. This will be one (1) html page only, no backend development ne...along your planned timeline and state if you are able to deliver the php-part as well (i.e. form->array and array->default-values-in-form). Please state further if you have worked with „Nice Admin“-Template before. IMPORTANT READ THIS: Auto-generated bids will not be taken into account and rejected immediately without further notice, so IMPORTANT, start your proposal with the solution of the math: o-ne plu-s 6 (just start with the integer of the correct solution of ...

I am looking for an experienced writer who can create educational blockchain articles specifically focusing on supply chain finance. The aim of these articles is to inform and engage with academic researchers within the financial sector. Key Requirements: - Extensive knowledge and experience in blockchain technology and supply chain finance - Proven experience in creating educational content for an academic audience - Ability to explain complex concepts in a clear and accessible manner - Strong research skills to ensure accuracy and credibility of the content The perfect candidate should have a strong background in both blockchain technology and supply chain finance. Previous experience in creating educational content for an academic audience is highly desirable.

We are building a financial application whereas you can put money hence our AI works on it through big data and automation. The project is about algorithmic auto-investing trading on world wide's financial market. Fixed Rate Job Paid based on success delivery per country. $10/country. Make about 5-10 API/country for installing python, setting SQL for our applications and Google Sheet. For each country may need API for such as : 1. Historical Data 2. Financial Scrapped Source 3. Financial Summary Scrapped Source 4. Interest rate 5. Some More Required Skill & Experience : 1. Php & SQL 2. Familiar with python installing & setting up environments 3. Experienced in Linux Debian & LNMP server by SSH 4. You need to know on how to run python scri...

Ready to take my technology startup to the next level, I am searching for an industry expert to create a purposeful business pl...am searching for an industry expert to create a purposeful business plan. The goal of this document is primed on securing funding and allows my business to achieve its desired growth. Key Components: - Solid Financial Projections: Focus on the finances, I need a clear outline of capital requirements and the utilization to be compelling to potential investors. - Comprehensive Business Model: Describe how our technology startup operates and generates revenue. Ideal Candidate: - Business plan writing experience specifically for startups in the technology industry. - Excellent financial modeling skills. - Proven record of creating successful fundin...

...and Zoho Inventory to help streamline our operations and enhance our understanding of client interactions. - Reporting and analytics: Create custom reports and set up analytical tools to help us better understand our business performance, customer interactions, and inventory management in Zoho. - Integration with other platforms: As we operate on Xero, QuickBooks, and Shopify for various financial and e-commerce functions, we require seamless integration with these platforms. This includes sharing data between these platforms and Zoho to ensure smooth operational flow and real-time data updates. The ideal candidate should have: - Extensive experience working with Zoho CRM, Zoho Books, and Zoho Inventory. - A proven track record in setting up advanced data management, report...

...web and app developer who can create a point of sale (POS) system for my retail business. I've identified integration with my existing accounting software as a key functionality. Therefore, proficiency in creating seamless software integrations will be crucial. The website and app should deliver: - Seamless integration with my current accounting software to ensure real-time and accurate financial transactions - A user-centric design which enables a smooth shopping experience - A mobile-responsive design to accommodate shoppers using various devices Although I did not select specific features via the questionnaire, I would be open to suggestions on components like inventory management, sales reporting, and customer management. The ideal candidate for this project shou...

I'm looking for a skilled programmer to help me convert my invention into an app for iOS and Android devices. It is preferred that you're located here in SAN DIEGO, CA...however it's not absolute. Key requirements: - I'm open to the programming language, so your expertise in Python, Java, or C and C ++ would be beneficial in guiding the decision. - The main functions the app should possess are user authentication and data storage. I will require a Non Disclosure Agreement [NDA] to proceed with details of the invention. If you've got experience in app development [Coding] and can help me bring my invention to life on mobile devices, please reach out. Looking forward to working with you! Thanks, Mike

Quiero pasar estas dos funciones de C++ a C template<class T> int EEPROM_put(int ee, const T& value) { const byte* p = (const byte*)(const void*)&value; unsigned int i; for (i = 0; i < sizeof(value); i++) foo(ee++, *p++); return i; } template<class T> int EEPROM_get(int ee, T& value) { byte* p = (byte*)(void*)&value; unsigned int i; for (i = 0; i < sizeof(value); i++) *p++ = foo(ee++); return i; }

We’re seeking an experienced professional to create a detailed business plan and financial model tailored for securing venture capital funding. This project involves market research, competitor analysis, financial forecasting, and crafting a compelling narrative that outlines our vision, strategy, opportunity, and projected growth. The aim is to develop a roadmap that not only guides our business but also attracts potential investors.

...Power BI developer who can create detailed financial reports and dashboards, primarily based on data from Excel spreadsheets. Key Responsibilities: - Develop compelling, visually appealing reports and dashboards that are easy to interpret and navigate. - Tailor the reports and dashboards specifically to financial analysis, ensuring they provide the insights necessary for informed decision-making. Ideal Candidate: - Proven experience creating financial analysis reports and dashboards in Power BI. - Proficiency in integrating data from Excel spreadsheets. - Strong attention to detail and the ability to translate complex financial information into clear, concise visual elements. This project requires a high level of expertise in Power BI, financial ...

I need the design verbiage to be changed to the following below and the new logos added Gattaca Florida Hurricanes 2024 Tryout Showcase Location: Burnett Middle School 1010 N Kingsway Rd Seffner, FL 33584 July 13th 2024 Time: Orientation: 12:00pm - Prospect Tryout: 1:00pm Looking for a new Professional Development Opportunity? The Gattaca Florida Hurricanes established in 2014 has a rich tradition of being a phenomenal platform for athletes to perform on The Gridiron. Gattaca Football has produced over a Hundred Collegiate Prospects during it’s time and the foundation of our program has even extended to the professional ranks such as The NFL and the AFL. If you’re an athlete with collegiate eligibility or an athlete looking to pursue the game at a higher l...

I'm looking for a detail-oriented professional to support my business with bookkeeping and budget management tasks. Key Responsibilities: - Accurate management of accounts payable and accounts receivable in QuickBooks - Regular bank reconciliations to ensure that all transactions are accounted for correctly Ideal Skills and Experience: - Proficiency in QuickBooks software - Prior experience in accounts payable/receivable and bank reconciliations - A keen eye for detail and accuracy - Strong organizational and time-management skills The role will require weekly input, but this may vary depending on the size of transactions. Please provide an estimate of your hourly rate in your bid.

As the creator of a near-finalized logo, I'm looking for a professional designer. I need help in - Adjusting my logo's color scheme - Unifying the font style across the design. The alphabet characters 'N' and 'P' share a common style, while 'D' varies - My primary task is to make their styles identical. Therefore, the expertise needed includes: - Proficiency in color adjustment - Extensive experience in Font design and modification Understanding my requirements, can you use the same style for 'N' and 'P' for the 'D?'

We are seeking experienced lead generation professionals to assist in identifying companies raising equity capital for a growing company over the next 3-6 months. Ideal candidates will have a strong background in financial services and a proven track record of successfully raising equity capital for companies and funds in the growth stage. SKILLS AND EXPERIENCE REQUIRED: 1. Proven experience in lead generation within the financial services sector. 2. Successful track record in raising equity capital for growth-stage companies. 3. This project requires a proactive and results-oriented approach. 4. The successful freelancer will work closely with our executive team to develop and execute a comprehensive capital-raising strategy to support our company's growth objectives...

I need an experienced financial analyst to help me develop and formulate financial projections for my technology startup. The ideal freelancer for this job would have a background in finance, specifically in the technology sector. Key Requirements: - Provide detailed revenue projections: I need a breakdown of how much income is expected to be generated on a yearly basis. This should include a clear analysis of potential income streams and growth rates. - Develop expense projections: It's important to outline the costs associated with running the business. The freelancer should be able to provide a thorough examination of potential expenses, including operating costs, salaries, and other expenditures. - Create profit projections: Based on the revenue and expense forecast...

...to my studies. Here's what I need: -Assistance with Business Consulting: A deep-dive into business models, strategies, and operations. -Direction in Market Research: Guiding in carrying out market analyses, consumer behavior study, and competitive landscape. -Training in Financial Analysis: Advice on financial forecasts, interpreting financial statements, and investment strategies. The ideal person for this job would be a seasoned freelancer with extensive experience in business consulting, market research, and financial analysis. If you've mentored others in freelancing, which I'm particularly interested in, I would find your experience even more invaluable. This is an exciting opportunity for any freelancing expert who wants to mold a you...

I'm looking for a skilled SAP FICO consultant with expertise in the Financial Accounting (FI) module. The selected professional will primarily handle: - General Ledger (GL) management - Accounts Payable (AP) - Accounts Receivable (AR) - Bank-related activities Additionally, you will be required to generate key reports including: - Profit and Loss Statement - Balance Sheet - Cash Flow Statement Ideal candidates should have in-depth experience managing the above tasks within the FI module. Extensive knowledge of SAP FICO and a keen understanding of financial reports are vital for this role.

...a skilled professional who can help us create a compelling pitch deck for our fashion and lifestyle concept store in Accra, Ghana. The pitch deck should effectively communicate our unique value proposition, target market, competitive advantage, and growth potential. Additionally, the deck should include well-researched financial projections that showcase the profitability and feasibility of our business model. Key Skills: - Pitch deck creation - Market research - Financial analysis - Presentation design - 10 to 15 Slides - Clear, concise, and engaging content - Visual appeal, mirroring fashion and design aesthetics The successful freelancer should have experience in the Fashion and Design industry or have demonstrable knowledge of it. They should also be proficient...

I'm looking for a skilled web developer who can create a user-friendly, web-based tool that allows our internal staff to generate cost estimates quickly and accurately. Key Features: - The to...so the tool should be intuitive, easy to use and accessible. - It should not support multiple currencies, as all our estimates will be in the same currency. Ideal Skills and Experience: - Experience in developing web-based tools or software, ideally with a focus on generating estimates. - Proficiency in UX/UI design to ensure the tool is user-friendly and intuitive. - Strong understanding of financial systems and tools, to ensure accurate cost estimates are generated. - Ability to communicate effectively and incorporate feedback, as the tool will need to meet the specific needs of our ...

I need assistance creating dashboards in Tableau. The data to be...dashboards in Tableau. The data to be visualized comes from a large database and relates to health risks, specifically the risk of heart attacks. I'm interested in assessing three factors namely age, gender and an additional one. It doesnt matter what you pick out of the data, i simply need it for seminar in college The dashboards should feature: - Enrollment data - Student performance data - Financial data. An ideal candidate should be well-versed in data visualization with industry experience in Tableau, and have proficiency in handling large data sets. Experience in health data is desirable but not mandatory. The freelancer should be able to translate complex data into easy-to-understand, visually compell...

I'm in need of a UK accountant to create financial statements for my technology company. The financials will be based on the data I provide in an Excel file. Key Requirements: - Proficiency in UK GAAP - Experience in handling technology companies The financial statements should be at a summary level, reflecting our company's financial health and performance. Use of Excel templates is preferred. The ideal freelancer has a proven track record in producing financial statements compliant with UK GAAP and an understanding of the technology sector.

I'm in search of a C developer with strong math skills, particularly in electromagnetism. The primary objective of this contract is to enhance calculation optimization in line with efficient coding practices. Your expertise will help steer the physics of the underlying calculations for a more streamlined functionality. Key Tasks: * Calculation optimization focusing primarily on code efficiency * Commenting and providing a succinct documentation The project is expected to be wrapped up in two days. The whole source code will be provided by me, and note that there's no Git involved in this project - that is a separate endeavor. Consequently, proficiency in managing source code manually is essential. Electronic mathematics and cpu. Ideal Skills: * Proficient C pro...

I have a web application that runs on PHP and I'm looking to integrate it with APIs provided by multiple suppliers. These suppliers will send us three specific types of data through their APIs - customer information, product information, and order information. Key Requirements: - Connect the webapp with Supplier A, Supplier B, and Supplier C APIs. - Extract and process customer information, product information, and order information sent by these suppliers. - Display this data on the webpages of the application. - Store this data efficiently in a database. Skills and Experience: - Proficient in PHP and API integration. - Strong understanding of database management. - Experience in handling customer, product, and order data. - Detail-oriented to ensure accurate data extraction...

We are seeking an experienced freelancer to set up a Node.js application on our web hosting service, ensuring it runs correctly and is accessible via a custom domain. Hosting Environment: - Web hosting service: - Custom domain: - Node.js Manager is accessib...the steps taken and any configurations made. Specifics: The script should listen on port 3000 and respond with a message "Fixed Response" for any request. Sample Script: const http = require('http'); const hostname = '0.0.0.0'; const port = 3000; const server = ((req, res) => { = 200; ('Content-Type', 'text/plain'); ('Fixed Responsen'); }); (port, hostname, () => { (`Server running at http://${hostname}:${port}/`); });

...and other relevant details. - Displaying Ride Details: The API should be able to fetch and display ride details for each driver. This information is crucial for the drivers to efficiently manage their schedule and assignments. - Updating Payment Information: It is essential that the API updates payment information in our Google Sheet. This includes payments received, pending payments, and other financial details. I'm looking for a professional who can ensure that this data is updated on our Google Sheet every hour, as per our requirements. Experience in working with APIs, specifically Tranferz API, and Google Sheets is a must for this project. The ideal candidate should also have a good understanding of data management and handling secure information. If you have the nece...

I need a skilled C# Winform .NET developer to protect my application using obfuscation techniques. The goal is to prevent reverse engineering and ensure the highest level of security. Key Requirements: - Implement Basic name mangling, Control flow obfuscation, and String encryption for the application. Ideal Skills and Experience: - Strong proficiency in C# and .NET framework - Prior experience with implementing obfuscation techniques - Knowledge of application security best practices This project is a great opportunity for a developer with a keen interest in application protection.

...VBA , Advance Excel 3+ years of experience is required in creating dashboards in Manufacturing, Banking, Retail Industry. Working Hour: 3 hour per day (per day) Salary: 150 – 300 INR Per Hour Job Responsibilities : • Understanding Company requirements. • Understanding, consolidating and analyzing data from spreadsheets. • Creating dashboards, reports and charts in Analytics tools. • Working on financial and other types of modeling projects. • Having knowledge Dashboard Creation, Mainframe automation through VBA. • Good Technical knowledge of VBAs, Macro, MS Office skills to drive automation opportunities. • Well-versed with dynamic loops, data extraction from images. • Work with users and team members at all levels for performance imp...

This quote is created: From: Mai Tuan Dung, Tran Dai Nghia Street, Hai Ba Trung District, Hanoi, Vietnam To: Euroanar Tech, S.L. ESB10862985 C/ Ribera d'Adobadors, 20 12600 La Vall d'Uixó Spain For a completed 3D model of "Apilador palets" in Solidworks software

...data. User Base: - The CRM system will be used by 1-50 users, so it should be user-friendly, scalable, and efficient. Integration: - It's imperative that the CRM can seamlessly integrate with other systems, particularly: - Email Platforms: For streamlined communication and lead nurturing. - Social Media: To enhance customer engagement and acquisition. - Accounting Software: To automate financial data synchronization and reporting. Ideal Freelancer: - Proven experience in CRM development, with a strong portfolio of CRM systems. - Proficiency in integrating CRMs with email platforms, social media, and accounting software. - Understanding of data analytics and sales forecasting for CRM systems. - Ability to create a user-friendly interface for a multi-user CRM system. ...

Money and all it takes to make it in easy steps even a 14 y/o can deal with

I'm after a web and mobile application that will specifically cater to the financial management and planning needs of small business owners. The app should enhance their capabilities to handle their finances effectively. Key Features: - Comprehensive Financial Management: The app should allow users to input their financial data, including income, expenses, and capital. It should then generate insightful reports and analytics to help them make informed decisions. - Budgeting and Forecasting: The app should have a feature that assists in creating budgets and forecasts to help business owners plan their financial future. - Alerts and Reminders: The app should be able to send alerts and reminders for important financial tasks like tax payments, billing...

I'm in need of a debt collector agency with 1-5 years of experience to hel...require a set of services including: - Debt collection: Handling overdue payments across different types of debts, such as consumer, business, medical, and government debts. - Skip tracing: Locating the whereabouts of debtors who have gone off the grid, making it difficult to recover owed funds. - Credit reporting: Providing me with updated credit reports of debtors to help assess their current financial status and determine the best approach for debt recovery. Experience in this field is crucial, as it requires a deep understanding of debt collection laws and practices. The ideal agency should have a proven track record of successful debt recoveries and be able to carry out the tasks efficiently and ...

...for someone who can design a sophisticated budget template for me in Excel. This template should: - Track both income and expenses - Project weekly outcomes - Compare actual amounts to budgeted amounts - Include more than 20 budget categories - Incorporate graphs and charts for visual representation. Skills necessary for this project will include advanced Excel knowledge and experience with financial modeling. The ideal candidate will have previously worked with complex budget templates and be comfortable creating a user-friendly interface. You should know how to devise a system that simplifies input and keeps data organized and easy to understand. Your ability to turn raw numbers into straightforward graphs and charts will be particularly valuable. I currently operate off o...

I am in need of a comprehensive Excel sheet that does calculation. Data entry is not too complex; it includes dates, dropdowns and formulas. Require...includes dates, dropdowns and formulas. Requirements: - Design an Excel sheet that calculates basic arithmetic operations, performs statistical analysis, and handles financial calculations. - The form should be user-friendly and able to accommodate the moderate complexity of data entry. - I need an expert who can create a clear and concise interface for the user, making data entry and subsequent calculations easy and efficient. It would be great if the freelancer has experience with: - Excel design for calculation purposes - Data entry form design - Experience in basic arithmetic operations, statistical analysis, and financial...

I need specialized assistance on visualizing my completed data analysis, encompassing sales data, financial data and customer data. To make this happen, I'm seeking a seasoned Power BI dashboard designer. Expertise required: - Proficient in creating Bar charts, Pie charts, and Line charts in Power BI - Has experience working with diverse datasets especially sales, financial and customer data - Can deliver the project urgently If you can create a comprehensive and visually appealing dashboard to delineate and amplify my data's context, your experience and skills will be indispensable to this project. Let's connect ASAP and bring this to life.

...in Lebanon - Competitor analysis to identify key players in the market - A well-thought-out marketing plan to attract our target audience of women - Financial projections and a detailed business model that's realistic and can be used for securing funding - Understanding of the unique cultural and economic aspects of the Lebanese market Ideal candidates for this project should have: - Proven experience in writing successful business plans for the beauty and wellness industry - Thorough knowledge of the Lebanese market and consumer behavior - Excellent research skills and the ability to translate data into actionable insights - Strong financial acumen and the ability to create realistic projections - An understanding of the unique challenges and opportunities in the s...