Game Changers issue 49

Game Changers ISSUE #49

MAS EFFECT A deep dive into the man behind MAS Markets

GAME CHANGERS

DIRECTORY O1 Note from the editor O2 GC: THOUGHTS ARE MY OWN O3 Emma April View from the top. 03

Nothing is real... 04-06

07-09

O4 The Banking Expert O5 Maria Meramvliotaki O6 Viktoria Soltesz O7 Elie Tarabay O8

Stop leaving millions on the table! 10-11

12-13

14-15

Tickmill 16-17

Jesus Guzman 18-21

O9 1O Simon Blackledge 11 GC: EAT 12 GC:LIFE 13 GC: FEMME 14 GC: HOMME 15 GC: CHARITY Lola Negmatova

Living la vida Lola! 22-24

MAS Markets 26-28

Pho Dao Beo estaurnant. 30-32

Stacy Thomson 33-35

Dior. 36-38

Dior. 39-43

44-45

VIEW FROM THE TOP

Hello everyone, With summer fast approaching, everyone at GC towers looking forward to days at the beach and absorbing some long awaited vitamin D, after what seems to be the endless winters that Cyprus now offers.

OK so this may only be three months, but it is a long three months for those who are not used to the cold and miserable weather and like the outdoor life. Everything just feels easier when the sun is out.

We really loved the fantastic content from MAS Markets Founder Simon Blackledge, who took the time to not only make a fantastic cover shoot, but also some very interesting content.

MAS Markets has come a long way in a very short space of time, with some great brand visibility to match their fantastic FX brokerage.

It’s always great to feature brands like this in GC, as we can see what motivates them to succeed in an incredibly competitive industry.

We hope this is the first of many times we have you featured.

Thanks to everyone who has made a great contribution to this edition, as ever it is great fun putting it all together.

Paul ORFORD EDITOR-IN-CHIEF

Game Changers

GC: THOUGHTS ARE MY OWN Nothing is real…

A couple of weeks back I was reading the story that the much hyped Amazon walk through stores which promised a revolution in the purchasing of food, a simpler life and another reason not to interact with each other had incredibly turned out to be fake. The smart technology that could see everything and monitor our every action in the store, had turned out to be one hundred people in India looking at every possible camera angle to determine what type of olives you are buying. The promise of a huge amount of voyeurism certainly was not on the shopping list when you walked through the door, as this story showed us that perhaps Jeff Bezos’ latest creation was an emperor that was not wearing any clothes.

Although Jeff Bezos can be seen as a visionary for many things and has changed the way of how society consumes products. The pick up and go method that Amazon believes to have pioneered had long been used in the area of England I grew up in. There were certainly many people I knew who took the view of not needing to queue, or perhaps using cash just simply wasn’t for them. Sadly their laissez faire attitude to commerce

GAME CHANGERS Issue #49

and food procurement often led to an interaction with the local police force interested in how they liberated the products from their capitalist oppressors.

I find it quite ironic that the dark new face of future tech that will no doubt change how employment works for all of us in the future. It had not created mass unemployment in supermarkets as feared in this test case, It had actually done the reverse and increased the amount of people being employed...just they live on a different continent.

My intrigue spread to the food surveillance team. Did they operate in the same judgmental way I used to as a young student working in Co Op. Every Saturday morning I would sit at the check out hung over judging your whole life based on your shopping. As I slid your consumables across the laser to register the sale, it would be on my mind that did your particular enthusiasm for a bulk buy of wet wipes indicate that you towel yourself down like you were cleaning a crime scene. I feel bad for the speed swipe check out staff of Lidl and Aldi, they have taken the romance and fun out of judging people. Modern life really is rubbish.

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Moreover, what also interested me was the huge amount of advertising and PR this service had received and deemed it as a complete success. The brave new world of how we will acquire food appeared on all major forms of media and leading websites with various industry talking heads telling us of how clever it all is. At some point in the decision making hierarchy someone knew it was BS, and was nothing more than people sitting in a room watching your every move arguing over if that is the two ply or three ply toilet roll and how it should be correctly priced.

They were advertising or trailing a product that never existed.

Just how high on a daily basis do they get at Amazon’s new product department to even suggest this. Who was the first to put their hand up and say ‘let’s make a fake future shop with loads of cameras and have a room full of people watching what they are doing.

Then announce to the world media as a radical new future technology.’ I suspect that the free weed and / or prescription medication must be so strong that half this team must think they live in the multiverse..

It is interesting as it demonstrated the role of social proof and the significant role it plays in how we view

GAME CHANGERS Issue #49

brands, and its technology, along with not questioning it if it’s owned by Jeff Bezos. With the message being so widely distributed over the internet and supported by the supine media as the next big thing then it must be real. It is definitely and must not be questioned.

It is definitely not not one hundred people in a room looking at every object we purchase. To suggest such a thing would rank you next to flat earthers.

My mind wandered to other new advances in technology like Tesla’s auto driven car. When you select the autopilot feature, is it really just being controlled by advanced cutting edge driving technology or a bunch of people who got fired from the military for flying drones incredibly badly. Whilst we sit back and relax in our new Tesla thinking that the technology makes us safe and secure, a human is taking control of your journey making every single decision on your behalf. Perhaps this is the reason for some of the crashes as the operator has taken a call from an irate partner who just found out that Amazon has lied to them about their smart stores and nothing is real as Jeff had promised them...Who knows what is going on, I certainly don’t.

What are your thoughts?

EMMA APRIL

Q We first met probably about a decade ago, prior to becoming one of the most respected recruiters in FX. What was life for Emma before a career in recruitment?

You’d definitely find me at a beach bar in my early 20s raving it up to the early hours. I was always out with friends or on holidays without a care in the world until my parents cut me off completely and pulled the rug from under my feet. Faced with an ultimatum either continue living with no financial support or find a job I had to make a decision. I thought to myself, “What career could offer good pay and still allow me to have a great time?” That’s when I landed in FX, seeing how they were always throwing corporate parties. It might seem like a crazy way to choose a career, but surprisingly, it worked out in the end.

Even though I still love to have a good time now, my body doesn’t always cooperate like it used to. These days, it’s either an early dinner followed and bed by 10 pm, or nothing at all. It’s funny how priorities change as we get older, isn’t it?

Q What made you change careers?

I didn’t exactly switch careers. You see, when I started out in HR in Cyprus, it was a bit of a mixed bag part recruitment, part HR. Being in the startup scene, I found myself doing a lot of recruitment to fill up departments, and naturally, HR tasks came along for the ride. So, myrole ended up being a 360-degree gig, involving everything from HR frameworks and employee benefits to headhunting, interviewing, and placing candidates.

The real change happened when I decided to relocate to London and dive into recruitment full-time. I figured it would bring in a better paycheck, especially with commission involved in agency work, compared to the fixed salary of in-house positions. I needed a way out of Cyprus, and sales seemed like the ticket to a better life. I still dabbled in HR consulting, offering advice to clients when needed. But by the time I made the move to London, I noticed HR in Cyprus was starting to shape up into more specialized departments, focusing mainly on administrative tasks.

While the Head of HR typically handles all the administrative stuff, structures, and frameworks, it’s still common for HR specialists, officers, and

even some managers to do a bit of everything, just like I used to. It’s a cultural thing in Cyprus that’s still evolving. If you’re lucky enough to straddle both worlds, it’s a great opportunity to become a real expert in both before deciding where to focus your efforts.

Q What tips would you give to those looking to break into recruitment?

Becoming a recruiter isn’t usually something people plan from the get go it often happens by chance. Typically, it starts with being good at sales, having a knack for connecting with people, and genuinely enjoying what you do. But there’s a catch, you need to be honest with yourself. If you’re all about the HR side but can’t stand the recruitment aspect, then this might not be the right path for you.

Recruitment isn’t exactly a walk in the park, it’s not for the faint hearted. You’ve got to have skin as thick as armor and be okay with facing rejection head-on. Sure, rejection stings, but in recruitment, it’s practically part of the job description. Roughly 50% of your workload involves dealing with rejections and objections. If you’re considering getting into recruitment, make sure you have a stellar supervisor or mentor to cheer you on.

I was fortunate to have one of my directors lift me up at the start of my recruitment journey because, truth be told, I struggled with hearing “no.”

Having someone you can confide in and bounce ideas off of is crucial it helps you build up that resilience. Once you’ve got a sturdy backbone, you can take the reins solo and knock it out of the park.

Q What kept you motivated to stay at the top of your industry?

Starting out in Cyprus, a small island with a relatively limited population within my industry, I made it my mission to become the go-to person. I aimed to stand out by doing things differently from others. During interviews, I strived to create a more collaborative atmosphere rather than making it feel like an interrogation. In such a close-knit industry where everyone knows each other, I knew the importance of making a positive impression and gathering feedback to continuously improve.

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Transparency, kindness, and directness became my guiding principles. I maintained a strong work ethic and focused on competing with myself rather than against others. When asked how I stand out against competitors, I always emphasized that my goal is personal growth and improvement, not beating others. At the top, it’s about collaboration, not cutthroat competition. Some may call it naive, but constantly being in competition is exhausting. I believe there’s enough success to go around for everyone. It all boils down to understanding your niche, effectively branding yourself as the go-to expert, and consistently delivering results. Once you’ve established yourself as the go-to person, winning and retaining business becomes second nature.

Q Recruiters can get a bad reputation for just harvesting CV’s. What should someone look for when it comes to assessing whether to use a recruiter?

Companies need to use recruiters that specialise in their sectors. I need to use an analogy here as it’s the perfect example;

GAME CHANGERS Issue #49

Choosing a recruiter solely based on their ability to gather CVs or lowest rates is like picking a restaurant solely based on the size of their menu but that doesn’t guarantee you’ll enjoy a satisfying meal. What you really want is a restaurant with a reputation for making delicious dishes, creating a cozy ambiance, and providing excellent service. Similarly, a recruiter who focuses only on collecting CVs might flood your inbox with resumes, but that doesn’t mean they understand your company’s palate or can deliver the perfect candidate. Instead, seek out recruiters who are like the hidden gem eateries—you know, the ones with a small, loyal following and a menu curated to perfection. They take the time to understand your tastes, source the finest ingredients (or candidates), and serve up a hiring experience that leaves you coming back for seconds. So, skip the fast-food recruiters and opt for the gourmet hiring experience that leaves your team and your taste buds satisfied.

in on their behalf. While it’s understandable to be drawn to low prices and quick service, it often means sacrificing quality. On the flip side, prioritizing both quality and speed might come with a higher price tag, but opting for the cheapest option could potentially harm your company’s success in the long run. Instead, try to find a solution that offers a balance of effectiveness and prompt implementation. Remember the restaurant analogy: it’s all about finding the right mix of quality and efficiency, not just the cheapest option.

Q It’s fair to say the brand you began your recruitment career with (Fintop) were not the most well known when you began. How was it trying to get the name talked about and trusted?

Whether you are looking for a job or looking for staff you can contact me on emma@huntstart.com

My mission with FinTop for the Cyprus region was to be the go to recruitment agency within our industry. I loved their vision and mission and took it as if it were my own, so I poured my heart into the company. We introduced some old school marketing with putting up billboards all around cyprus to get the brand out there and cold calling clients but what brought in the big advertising was our candidates.

They started the marketing for us and that’s how you know you did well. On many occasions candidates and clients would call in, or email to say they have been referred by someone and that was my target. That was achieved, my work there was done. I left a blueprint for them and they are going to continue to be amazing.

Q As a brand looking to use a recruitment companies’ services. Is it all about low fees? What should they look for?

The entire notion of low fees in recruitment needs to be reevaluated. It has contributed to a negative perception of the industry, despite recruiters putting in considerable effort for minimal compensation. It’s remarkable that we’re the only sector that provides a free service until a candidate is successfully placed, enduring a waiting period of 14 to 30 days before payment. This practice is fraught with risks, such as candidates resigning or being terminated, leading to potential refunds or the provision of a replacement at no extra cost—undoubtedly a practice that’s far from ideal.

Given these circumstances, it’s really important for companies to appreciate the hard work put

Q What’s your future plans?

My main focus right now is on my business, I have just started my own start up, a recruitment agency called HuntStart Consulting specializing in FX and FinTech.

With a focus on Cyprus, London, Asia, and the UAE, the agency provides bespoke recruitment solutions tailored to clients’ specific requirements in these dynamic industries.

Q Your new podcast has gained a lot of traction very quickly. What was your motivation to start this?

Honestly, the main motivation behind starting this podcast was to shine a spotlight on individuals within our industry. Often, we perceive successful people as being confined to skyscrapers, making decisions in boardrooms while wearing suits. However, what many don’t realize is the immense dedication and hard work that has propelled these individuals to their current positions. Personally, I’ve always been curious about people’s journeys, and I know I’m not alone in this. So, I thought, what better way to showcase industry professionals than by inviting them onto my podcast to share their life stories and offer insights into entrepreneurship? I find these individuals incredibly fascinating, driven by my own entrepreneurial ambitions. By looking into their backgrounds and paths to success, I hope to inspire others to pursue their dreams as well. Ultimately, that’s been my goal all along!

Q How do you find interesting people?

Just like I head hunt candidates and clients, iv done the same with my guests. It’s been such a joy to see their enthusiasm and willingness to be part of this journey from the very beginning. Even those initial five guests, whom I approached without any proof of my podcast’s success, were genuinely excited to be invited and share their stories. I’m immensely grateful for every single guest who has joined me on this venture. After all, the main aim of this podcast is to inspire others to pursue their dreams, and each guest has played a vital role in achieving that goal.

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The Banking Expert

Stop leaving millions on the table!

It’s very rare that people have sympathy for banks, however maybe this is a time where you have to get your handkerchiefs out and gently dab the tears away as these poor guys are leaving millions of dollars on the table every year The Banking Expert has just finished obtaining a banking license for one of its clients, and when we looked deeper into the set up of their organization, we found that they had no treasury or trading desk.

This may seem particularly strange for a bank, and this can also be extended to EMI’s and MSB’s who are set up primarily to make money from transactions and formation of accounts. However, their biggest revenue generator could be from taking advantage of movements in the FX rate, or where the license is relevant offering a managed account service.

Many observers wrongly conflate having a hedging account as trading with high leverage. This couldn’t be further from the truth, as leverage is usually 1:1 or maximum 1:3 so this can limit the downside risk of any trading actions. Its probably best at this point to forget the image of the retail FX market, as this is the polar opposite.

Moreover, where the license permits, as with the new bank we are working with, an investment bank license can be obtained in conjunction with the banking license which opens up a whole new revenue stream by operating a regulated managed account for your clients.

This offers both individual and corporate clients the opportunity to make a guaranteed return (if you offer this type of service) usually over a twelve month period that can vastly outperform a bank savings account or any lowish risk investment product.

How does this affect your institution?

By having this additional liquidity on your balance sheet, any trading desk can make a one percent return a month without really risking the house. Although anyone reading this understands there are always inherent risks to trading, by operating on incredibly low leverage the trading desk can reduce this significantly, although not totally (I think that should please the lawyers)

outsourced trading desk ideal for small banks, emi / msb & Crypto ex

no set up fee- rev share

info@thebankingexpert.com

GAME CHANGERS Issue #49

thebankingexpert.com

bank accounts for offshore fx backed by two central banks

Comoros and others welcome usd eur gbp hkd sgd

info@thebankingexpert.com

The Banking Experts outsourced trading desk service sets itself a very reachable target of around one and half percent each month based on a ten year track record of trading at an institutional level for both managed account services, and as a treasury service.

For a treasury desk is from what we have seen, more of attempting capital protection from fluctuating FX rates and hedging rather than time focused investing for speculative gain. Some may argue they are the same thing, perhaps the best way to describe the two services is best described in the famous Thai saying “Same, same…but different.”

When we have discussed this with prospective clients, the main objection is usually assuming that there is great expense in having a trading desk set up, along with a risk of losing funds. This would be true if you are using an inexperienced team who you might have to employ internally because of budgetary constraints.

However our multiple decades of experienced team members operate only on a revenue share basis (reasonable targets set that do not blow up the accounts), with all accounts and access in your brand’s name.

For this to really be effective you will have to have a minimum balance of one million USD (our bank client has committed to a minimum balance of ten million USD for 3 years), as anything else it is really not worth the time we put in and the reward. Also, you have to

thebankingexpert.com

figure out what is a reasonable amount of profit you are looking to achieve for the amount of time you are willing to have your funds allocated.

The setup is quite straightforward, with a regular onboarding to an institutional level brokerage that offers the ever popular MetaQuotes MT5 platform.

We then integrate our proprietary trading algorithms which take around two weeks to be fully integrated, then we are ready to trade.

As a rule of thumb if you are looking to do this yourself, is not to over expose yourself with leverage.

Or be charmed by someone who promises huge returns with a minimal or zero track record. This will lead to the inevitable disaster for the account and perhaps putting your balance sheet in jeopardy.

Our trading team are leading names within institutional trading, and can demonstrate a ten year track record trading on low leverage showing very reasonable returns for both themselves and their clients alike.

In fact the only risk is on The Banking Expert as we have to wait for you to pay us out on the profits we make from our experience. By not doing anything you are putting your institution in huge danger of FX rates eating away at its balance sheet.

For more info, contact us at The Banking Expert.

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The Trust Revolution: Transforming Teams from the Inside Out MARIA MERAMVELIOTAKI

Have you noticed a dip in your team’s engagement lately? It’s a question that’s been echoing through the corridors of leadership across various industries, possibly indicating a deeper issue that goes beyond the usual ebb and flow of workplace dynamics. At the heart of this concern lies a crucial factor: trust. The presence, or absence, of trust within an organization can significantly impact not just employee engagement but also the fluidity and effectiveness of operations.

The solution begins with self-awareness among leaders.

It’s crucial to regularly reflect on the atmosphere we’re creating: Are we leading with transparency? Do our actions align with our promises? Such introspection can reveal areas for improvement and guide us toward fostering a more trusting environment.

Strategies for Enhancing Trust Here are some practical strategies I employ:

As a Head of Marketing, I’ve always emphasized the importance of building a team culture centered on trust and collaboration. Thanks to Game Changers Magazine for the chance to discuss a topic close to my heart.

Leading Marketing Communications at Taurex, I’ve observed firsthand the transformative power of trust within a team’s fabric. It’s an ongoing process, embedding trust into our operations, and it’s this journey— filled with both challenges and triumphs—that I’m here to explore, sharing insights on nurturing an environment where engagement and efficiency thrive side by side.

The Ripple Effect of Distrust A lack of trust doesn’t silently linger in the background; it actively undermines a team’s cohesion and productivity. Team members who sense a trust deficit may start to question not just their leaders’ decisions but also the very mission and values of the organization.

This skepticism often leads to a withdrawal of discretionary effort—the extra mile employees are willing to go when they feel valued and trusted. Without this, even the most streamlined operations can become cumbersome, as tasks are met with resistance rather than enthusiasm.

Moreover, distrust can trigger a concerning trend: the search for new opportunities. When talented individuals don’t feel trusted to execute their roles effectively or see their input constantly second-guessed, the lure of greener pastures becomes stronger. This pursuit extends beyond the quest for better pay or more perks; it’s about seeking a workplace that not only acknowledges individual contributions but also cultivates a sense of belonging and trust.

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Do: Reflect integrity: I strive to model the honesty and integrity I expect from my team. This means being transparent about both successes and challenges.

Communicate transparently: I make it a point to share the ‘why’ behind my decisions, ensuring everyone understands the direction and the reasons behind our actions.

Empower through delegation: Demonstrating trust in my team’s abilities by allowing them the autonomy to lead their projects is crucial.

Don’t: Micromanage: This stifles creativity and initiative. I believe in giving space to my team to innovate and grow.

Play the blame game: We focus on learning from our mistakes, not dwelling on them. This creates a safe space for innovation and risk-taking.

Withhold feedback: I ensure that feedback is timely and constructive, helping to eliminate doubts and build confidence.

Play favorites: Fairness is non-negotiable. Equal treatment helps in maintaining a balanced and motivated team.

The impact of trust is palpable. When trust is present, engagement, well-being, and performance enhance dramatically. Teams feel valued and respected, which motivates them to fully dedicate themselves to our goals. This not only helps us navigate challenges more smoothly but also fosters a resilient and innovative organizational culture. In essence, trust is the glue that binds the pages of our team’s story, making each chapter stronger and more cohesive.

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Viktoria Soltesz Viktoria Soltesz is the founder of the independent payment consultancy, PSP Angels Group. Her goal is to demystify the complex payment and banking industry and provide a clear overview of the various payment and banking solutions in the market. She has an extensive network of financial services providers, enabling her clients to stay ahead and keep a pulse on the ever-evolving regulatory and technological landscape.

Her firm is committed to resolving complex banking issues, creating bespoke payment plans, optimizing banking operations, reducing payment risks, and easing compliance barriers around global money movements. Viktoria has previously lectured at the University of West London and is a regular speaker at premier industry conferences. She was awarded BusinessWoman of the Year 2023.

Her book, “Moving Money - How Banks Think,” explores the evolution of the payment and banking industry, highlighting how companies may be incurring unnecessary banking fees or facing operational risks unknowingly.

Planning for banking and payments is often overlooked, yet it can be a costly mistake. Transferring and receiving funds is an everyday task as the ability to pay and get paid is the lifeline of every business.

However, the specifics of money movement and payment operations are largely unknown to most businesses. By understanding banking mechanisms, we can better assess risks and make informed decisions, thereby also managing costs more effectively.

Viktoria’s book not only reveals how banks operate but also clarifies the reasons behind those baffling banking questions, denied transfers and frozen accounts. She takes us through the history of banking and payment systems, shares real-life stories, and explains the complex landscape, showing us how to move money more safely and affordably.

Q Could you tell us about your journey and let us know how you shifted from accounting to online payments?

I consider myself lucky as I studied accounting and economics which gave me a good base to understand payments and banking later. I was always curious to know how things work, especially when it comes to money. Well over 20 years ago, I moved to England and later to Cyprus, working in different financial roles, where I was facing complex regulatory problems, subjective pricing , outdated tech, and confusing

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processes in banking and payments. I had so many questions and not enough answers. So, I decided to become the answer! I founded PSP Angels to help businesses navigate the maze of online payments, turning complex jargon into something everyone can understand. Later, I realized that so many people intrigued by the behind-the-scenes of payments, which led me to write a book and share what I’ve learned. My aim is to make payments easy and fill in the blanks about an industry that seems like a mystery to many.

Q Your book emphasizes the importance of understanding finances and payments. What should businesses know about managing their money?

Today every business needs to understand the basics of finances, payments, and banking to succeed.

Understanding financial terms does not stop at the basic accounting terms – companies need to plan how to collect funds from their customers, pay the providers who are helping them to do so, store funds, exchange currencies, and make informative decisions of how to send those assets further to pay suppliers, salaries, and even the shareholders. It’s not as easy as it sounds as every time money moves, there is a risk and cost associated with that move. For instance, keeping all funds of a company on a single bank account is not only one of the riskiest but also the least effective way how a business can utilise their liquid assets. Despite this, numerous businesses overlook the possibility of safer, more efficient alternatives. Another common error is relying on mainstream banks for large-scale currency exchanges, rather than turning to specialized exchange firms, often results in avoidable, hefty expenses. This oversight, driven by convenience, can often incur significant unnecessary costs for companies annually.

In today’s fast-paced market, staying informed about cyber security, understanding payment and banking fees, embracing the latest payment technologies, and finding the most suitable methods for international customer payments are critical. Client acquisition and retention is also greatly affected by the chosen payment rail which a company chose to integrate: card payments might be common in some regions, but are entirely unfamiliar in others. Entering new jurisdiction demand local payment methods, providers, and banks. Assessing risks linked to financial services and their providers are essential skills in the competitive business landscape, where every decision impacts the bottom line.

Unfortunately many businesses unknowingly face payment and banking risks and pay unnecessary fees.

My goal is to highlight these issues on a global scale.

Q How has the way we make payments changed, especially with all the new rules and technologies?

Today, business is conducted online, with the majority of large companies offering their products and services globally, without the constraints of borders. We have the capability to make instant payments, even with a wristwatch, around the clock. Thanks to fintech innovations, transactions have become faster and more convenient for everyone. Mobile payments and digital wallets enable anyone to access the global banking system with just a mobile phone, reaching even the most remote villages. This has empowered the previously unbanked populations in Latin America, Africa, and Asia with economic and purchasing power online. Consequently, the payment and banking sectors have had to adapt to meet this growing demand, evolving into truly international operations. However, this globalization of finance comes with its challenges.

Banking regulations and rules vary significantly across countries, making the process of international money transfers more complex and compliance more stringent. Today, companies engaged in international payments and banking face an unprecedented number of regulations to adhere to, risks to manage, and fees to consider. Moreover, keeping pace with new technologies, such as the still largely unregulated cryptocurrencies, adds to the complexity. Payment professionals must be adept in both traditional banking practices and the rapidly changing landscape of digital payments. Managing these multifaceted challenges is critical, which has increased the demand for payment experts and global banking professionals.

Many international businesses are in need of this expertise but struggle to find the right talent to help them with their payment and banking issues on a daily basis. This is where the book comes in, aiming to demystify the basic compliance rules, terminology, and thought processes essential for understanding global financial movements.

Q Where can we find the book or reach out to you?

You can contact me at viktoria@pspangels.com, and the book is available on all Amazon stores in hard copy.

However I would like to offer a free PDF version to anyone who emails me with the discount code “Game Changers”

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Tickmill ELIE TARABAY Q Can you share more about your journey into the financial services industry and how you arrived at your current role as Senior Manager Client Partnerships for the MENA region at Tickmill?

My journey into the financial services industry began with a strong interest in global markets and economic dynamics. After completing my degree in Business Administration, I embarked on a career path that allowed me to gain valuable experience in various aspects of financial services. Over time, I honed my skills in client relationship management and developed a deep understanding of the intricacies of the financial markets. Joining Tickmill was a natural progression for me, as it offered an exciting opportunity to leverage my expertise in fostering client partnerships in the dynamic and fast-growing MENA region.

Q What are the key responsibilities that come with your position, particularly concerning client partnerships in the MENA region?

As the Senior Manager of Client Partnerships for the MENA region at Tickmill, my key responsibilities revolve around nurturing and expanding our relationships with clients and partners in the region.

This involves developing strategic initiatives to enhance client engagement, managing key accounts, and identifying new business opportunities.

Additionally, I oversee the implementation of tailored solutions to meet the unique needs of clients in the

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MENA market, ensuring their satisfaction and long-term loyalty.

Q How does Tickmill differentiate itself in the competitive landscape of online trading brokerages, especially within the MENA region?

Tickmill sets itself apart in the competitive landscape of online trading brokerages through its unwavering commitment to integrity, transparency, and client-centricity. We differentiate ourselves by offering competitive trading conditions, cutting-edge technology, and a wide range of financial instruments to cater to the diverse needs of traders in the MENA region. Moreover, our dedication to providing exceptional customer support and educational resources further strengthens our position as a trusted partner for traders seeking success in the financial markets.

Q What are some of the significant trends you’ve observed in online trading within the MENA region in recent years?

In recent years, the MENA region has witnessed significant growth in online trading, driven by increasing internet penetration, rising investor interest, and advancements in technology. One notable trend is the growing popularity of mobile trading platforms, enabling traders to access the markets anytime, anywhere. Additionally, there has been a shift towards more sophisticated trading strategies, with a greater emphasis on risk management and diversification.

Q Can you elaborate on the challenges and opportunities Tickmill faces in serving clients in the MENA market?

While the MENA market presents immense opportunities for growth, it also poses certain challenges, including regulatory complexities, cultural differences, and geopolitical uncertainties. At Tickmill, we address these challenges by maintaining a deep understanding of the local market dynamics, fostering strong relationships with regulatory authorities, and implementing robust compliance measures. We also strive to adapt our products and services to suit the specific needs and preferences of clients in the region, ensuring that we deliver value and reliability at every step.

Q Tickmill emphasizes its commitment to providing exceptional client service. How does your team ensure this is consistently delivered, especially considering the diverse cultural and regulatory landscape of the MENA region?

Successful client partnerships in the online trading industry require a combination of trust, transparency, and personalized support. In the MENA region, factors such as cultural nuances, language preferences, and regulatory considerations play a crucial role in building and maintaining client relationships. At Tickmill, we prioritize open communication, proactive engagement, and a deep understanding of our clients’ goals and objectives. By tailoring our services to meet their specific needs and providing ongoing support and education, we aim to foster long-lasting partnerships based on mutual trust and respect.

Q In your opinion, what are some of the key factors that contribute to successful client partnerships in the online trading industry, particularly in the MENA region?

Tickmill is committed to driving innovation and adaptability to stay ahead in the rapidly evolving online trading industry. We invest heavily in research and development to enhance our technology infrastructure, improve trading platforms, and introduce new products and services that cater to the evolving needs of our clients. Moreover, we actively monitor market trends, regulatory changes, and emerging technologies to anticipate future developments and position ourselves strategically in the market.

Q Could you highlight any specific initiatives or strategies Tickmill has implemented to support its growth and expansion in the MENA market?

For aspiring professionals looking to enter the online trading industry, particularly in the MENA region, I would offer the following advice based on my experience and expertise: - Gain a solid understanding of the financial markets, including key concepts such as risk management, technical analysis, and market dynamics.

- Stay updated on industry trends, regulatory developments, and market news to make informed decisions and adapt to changing conditions.

- Develop strong communication and interpersonal skills to build rapport with clients and colleagues from diverse backgrounds.

- Embrace continuous learning and professional development to enhance your knowledge and expertise in the field.

- Seek mentorship and guidance from experienced professionals in the industry to accelerate your learning and career growth.

- Above all, maintain integrity, honesty, and professionalism in all your interactions, as these qualities are essential for long-term success and credibility in the online trading industry.

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GAME CHANGERS Issue #49

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GAME CHANGERS Issue #49

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Living la vida Lola!

LOLA NEGMATOVA

It’s great to feature one of Game Changers Magazines best contributors in the current edition. For those who made the huge trip from Cyprus to Mexico City for the latest iFX Expo we hope you have recovered from the long trip.

From the pictures it looks like Lola had a great time along with her colleagues from Tools For Brokers, outlining their services in the now LATAM region.

Here is our new Mexico correspondents favorite parts of the trip...enjoy!,

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MAS Markets SIMON BLACKLEDGE Q Can you tell us a bit more about the decision to rebrand from BidX Markets to MAS Markets? What were the driving factors behind this strategic shift?

The decision to rebrand to Multi Asset Solutions Markets(MAS Markets) was driven by our commitment to reposition ourselves as a leading provider of institutional-grade trading solutions. We recognized the need to establish a distinct identity that reflects our focus on offering sophisticated technology and bespoke liquidity services to our clientele. This rebranding allows us to better communicate our value proposition and align our brand with our strategic objectives.

We were looking to revolutionise our brand as step one, and then look to constantly evolve in order to position ourselves for the aggressive growth story we expect MAS Markets to embark on.

Q How does MAS Markets differentiate itself in the market with its institutional-grade technology hosted in LD4? Can you provide insights into how this technology enhances trading capabilities for your clients?

Our institutional-grade technology sets us apart by providing our clients with unparalleled speed, reliability, and efficiency in their trading activities.

By leveraging state-of-the-art infrastructure and cutting-edge algorithms, we ensure ultra-low latency execution, which is crucial in today’s volatile financial markets. This technology empowers our clients to execute trades swiftly and capitalize on market opportunities with precision.

Our tech has been developed over the last 15 years and has been used by some of the largest banks in the world. This is all through our partnership with SolidFX, and using our own expertise we have been able to enhance it further with state of the art margin software developed in house.

However, while these aspects of our offering become a hygiene factor for our clients, it is continued innovation and new products such as our MAS Funds offering that allows us to stay ahead of the curve.

Q Ultra-low latency execution is a key feature highlighted by MAS Markets. How does this aspect benefit your clients, particularly in the fast-paced environment of financial markets?

Ultra-low latency execution is critical for our clients, especially in highly competitive markets where every

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millisecond counts. By minimizing latency, we enable our clients to execute trades at the best available prices and seize as many opportunities as possible before they vanish from the market. This speed advantage can make a significant difference in maximizing trading profitability and reducing the risk of slippage.

Q MAS Markets has cultivated relationships with Tier1 Banks, Regional Banks, and Hedge Funds for bespoke liquidity. Could you share more about these partnerships and how they contribute to the overall value proposition for your clients?

Our partnerships enable us to offer bespoke liquidity solutions tailored to the specific needs of our clients.

These relationships grant us access to deep pools of liquidity across various asset classes, allowing us to provide competitive pricing and ample market depth.

This diverse network of liquidity providers enhances execution quality and ensures optimal trade execution for our clients, particularly for professionals and financial institutions.

Q Who is the primary clientele that benefit from MAS Markets’ offerings? How does the company cater to the needs of different clients specifically?

MAS Markets caters to a diverse clientele as mentioned before (Hedge Funds, Retail Brokers, Asset Managers, and Professional Traders). We tailor our offerings to meet the unique requirements of each segment, whether it’s providing advanced trading tools for Pro Traders, bespoke liquidity solutions for Hedge Funds, or personalized services for Family Offices. Our USPs ensure every client receives tailored solutions to optimize their trading strategies and business needs.

Q How does MAS Markets ensure security and reliability in its trading technology infrastructure, especially considering the sensitive nature of financial transactions?

Security and reliability are paramount in our trading technology infrastructure. We employ robust security measures and adhere to strict compliance standards to safeguard our clients’ assets and data. Our infrastructure undergoes regular audits and assessments to identify and mitigate any potential vulnerabilities. Additionally, we maintain redundant systems and disaster recovery protocols to ensure uninterrupted service delivery, even in the event of unforeseen disruptions, providing peace of mind to our clients.

Q How does MAS Markets stay ahead of technological advancements and industry trends to continue providing cutting-edge solutions to its clients?

We stay ahead of technological advancements and industry trends by fostering a culture of innovation and continuous learning within our organization. We closely monitor market developments and collaborate with leading technology providers traditionally reserved for major institutions such as SolidFX., Euronext FX, LSEG, Deutsche Börse Group, Cboe, and Currenex. We invest heavily in research and development to anticipate and adapt to changing market dynamics, ensuring our clients - especially professional traders in commodities products - have access to the latest tools and technologies to optimize their trading strategies.

Q Can you discuss any recent developments or initiatives undertaken by MAS Markets that reflect the company’s commitment to innovation and client satisfaction?

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Recently, we launched several initiatives aimed at further enhancing our clients’ trading experience and satisfaction. This includes the rollout of advanced trading algorithms and the introduction of new trading instruments. Additionally, we’ve invested in expanding our client support services to provide personalized assistance and guidance tailored to individual needs. Finally, we have also partnered with one of the largest investment firms in the world, to offer our clients interest on uninvested cash balances held with MAS Markets. This partnership demonstrates our commitment to always going one step further when it comes to innovation and client satisfaction.

purpose. We encourage innovation and creativity, recognize, and reward outstanding performance, and provide ongoing training and development opportunities to nurture talent and expertise within our team. By working together towards common goals and maintaining a customer-centric mindset, we ensure that our clients receive the highest level of service and support at all times.

We have exciting new product launches happening over the course of 2024, with MAS Funds our next venture launching before the summer. This will add another string to the company’s bow and open up new opportunities for us throughout 2024.

Moving forward our goals include expanding our market presence, enhancing our product offerings, and strengthening client relationships. We aim to solidify MAS Markets’ position as a trusted partner and preferred provider of institutional-grade trading solutions. To achieve this, we will continue to innovate, invest in technology, and focus on delivering exceptional value and service to all of our clients.

Q In what ways does MAS Markets foster a culture of excellence and collaboration within the organization to deliver superior services to its clients?

At MAS Markets, we foster a culture of excellence and collaboration by empowering our employees, fostering open communication, and promoting a shared sense of

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Q With the rebranding and enhanced offerings, what are the company’s strategic goals moving forward?

How do you plan to further solidify MAS Markets’ position in the market?

MAS Markets is constantly looking to improve our services, of course, and that shows with the continuous evolution of our product offerings. However, we want to be innovative and are always looking at new ways to bring our expertise to the market.

Game Changers Magazine

Lifestyle

GC: EAT Pho-Kin delicious!

PHO DAO BEO RESTAURANT 28th october Ave. Limassol.

GAME CHANGERS Issue #49

Since we did our review of Hanoi close to Dasoudi beach last year, I have eaten my body weight in Vietnamese food from this venue, and was incredibly happy to find a new Vietnamese restaurant option called Pho Sao Beo. For those who have not seen it on the seafront, it is on the same street as TGI Fridays in Enarios so you can use the big car park to get easy access.

Walking in, my gastronomic boxes were immediately being ticked as I knew I was going to be in for an authentic experience which I think always begins with plastic chairs when going to a Vietnamese or Thai.

Anyone who has traveled in Asia knows that some of the best street restaurants will cater for your western derriere using a plastic chair or stool.

In younger years post university, I donned my backpack and went around Thailand, with a couple of these collapsing on me whilst eating.

However this has not deterred me from sitting on them, more heightened the senses as I am upping the danger factor of eating boiling hot food that could possibly spill all over me, horrifically disfiguring me and rendering myself infertile for the foreseeable future. If you like to dine with the devil and gamble on you being the end of the line on ancestry.com, choose the sun scorched brittle plastic chair. It’s great fun.

I always love to walk in a place where I don’t have to pre book, dress accordingly and more importantly have a very limited amount of choice.

Now some may see this as a hindrance, I see this as a power move by showing that we are very good at twelve things, and no need to ask for anything else.

Moreover, this massively reduces the time i take in choosing, and my stomach knows that it will be satisfied probably around 50% quicker than if I was messing around with software to make my food choice (See GC 047 Oshi food review) The menu focuses on ninety percent pho, which if you are not aware is a huge bowl of noodle soup where you have the choice between chicken, pork, garlic beef, tofu or vegetable. This is more than enough.

There are also a couple of noodle and rice dishes along with sides of spring rolls and shrimp dumplings, which are great but kind of over complicated the reason for being there in my humble opinion.

Going there with a not so small kid, who perhaps is considered by many to be Limassols finest noodle connoisseur is usually a good bell weather to not only the food, but also the experience which usually includes the other stuff you can buy in there.

If you have kids no doubt you have fallen into the trap of buying snacks that these types of venues sell to take home. With the promise to be eaten later, but would probably have to be taken on by myself, as she couldn’t eat them because of ‘bits’ and I would push through and eat them as I am an incredibly cheap person.

Having ordered a pair of garlic beef pho, with spring rolls and shrimp dumplings, we didn’t realize the sheer mass of food which easily caters for very hungry adult size portions. The garlic aroma hit, making its new home in my nose heightening the anticipation to eat, where we had to wait the obligatory two minutes for it to cool before we dived in.

We universally agreed that the dish was delicious, with the noodles marinating in the steamy broth and not collapsing into a gelatinous mass.

The meat was incredibly tender with the garlic complementing it very well, along with the vegetables staying nice and crunchy adding to an incredibly fresh taste.

The only difference in the dishes was my choice to use their home made chili sauce to add some extra heat to the dish. The kind waiter said that I should urge extreme caution when adding this, and having been afflicted by momentary deafness I added a portion size that earned a side eye from him and him bringing over additional water for the oncoming blitz on my senses..

I wont say that it was hot, but I am sure the jar vibrates from the heat energy it gives off. It was a creeping heat sensation that makes you think you can tolerate it, you go in for a couple more spoonfuls of the pho then it kicks in.

It strangely does not want to make you want to tap out, as it is such a delicious sweet spice taste you keep going wanting more. It is not the over the top vandalism on your tongue that a vindaloo brings, it’s a really pleasant sensation firing off endorphins in your brain demanding more and more hits.

The waiter was incredibly kind and gave me a huge jar to take away, which I am convinced they could sell this on its own as a great advertising tool to get people into the restaurant. I brought it along to meet my friend (not in a psychotic way where I have given it a name and personality) to have a few drinks and see how well it worked with nachos, of which I can say it is world class with us taking larger and larger portions with each scoop almost finishing off the jar.

I really enjoyed visiting Pho Dao Beo and have been there a couple of times since writing this review. It is well worth a visit, not just for when you want something lighter, but also for when you want a dish that will leave you incredibly satisfied.

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GAME CHANGERS Issue #49

GC:LIFE STACY THOMSON - REDDI APP

CEO & Founder of REDDI - The world's most exclusive dating site.

Unveiling the Influence of Birth Order Theory on Relationships and Dating Ever wondered why you’re always the one taking charge in your friend group or why your partner seems to avoid conflict at all costs?

Birth Order Theory might just hold the answers you’ve been seeking. This age-old concept suggests that the order in which you were born into your family can profoundly shape your personality, behaviors, and yes, even your dating habits.

Birth Order Theory has resurged in popularity, finding a new home on platforms like TikTok and even making its mark in the world of online dating, with apps like Bumble incorporating it into their matchmaking algorithms.

But what exactly is Birth Order Theory, and how does it influence our romantic relationships?

Understanding Birth Order Theory Birth Order Theory isn’t merely a passing trend – it traces its origins back to the early 1900s when Austrian psychologist Alfred Adler introduced the concept.

Adler posited that the order in which we are born within our families can significantly impact our personalities, relationships, and career paths.

While Birth Order Theory has garnered attention, it’s also faced skepticism from psychologists over the years and we too encourage you to approaching such theories with a critical eye. So, what does Birth Order Theory supposedly reveal about our personalities and how does it influence our relationships?

The Eldest Child: Trailblazers and Planners According to Birth Order Theory, firstborns often embody traits like ambition, discipline, and leadership.

Growing up receiving ample attention from parents, firstborns may feel the weight of responsibility and strive for perfection. In romantic relationships, they tend to take on the role of planners, meticulously or-

ganizing date nights and activities. While this trait can be beneficial, it may also lead to feelings of frustration if they constantly find themselves in control.

The Middle Child: Diplomatic Peacekeepers Middle children often find themselves navigating between the expectations placed on the eldest and the freedom granted to the youngest. As peacemakers, they develop traits like diplomacy, empathy, and a desire for fairness. In relationships, they excel at finding balance but may struggle to advocate for their own needs, leading to resentment and miscommunication.

The Youngest Child: Free Spirits and Adventurers Youngest children, having enjoyed the most leniency from experienced parents, are often characterized as adventurous and rebellious. They thrive on spontaneity and bring a sense of excitement to relationships.

However, their penchant for risk-taking may pose challenges when navigating deeper emotional intimacy beyond the initial honeymoon phase.

The Only Child: Independent and Driven Similar to firstborns, only children shoulder the weight of parental expectations but without siblings to compete with for attention. They tend to be independent and driven, having spent significant time in adult company. In relationships, they may approach conflict resolution with maturity and seek understanding and empathy from their partners.

The Resurgence of Birth Order Theory In today’s dating landscape, Birth Order Theory offers a fresh perspective on compatibility, reminiscent of the popularity of astrology and other esoteric trends.

However, our founder Stacy Thomson, warns against

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over-reliance on such theories, urging individuals to avoid oversimplifying the complexities of human psychology, Furthermore, Stacy highlights the burgeoning trend of what she terms as ‘therapy speak,’ noting how individuals, spurred on by platforms like TikTok, seek simplistic explanations for their behaviors and emotions. She interprets the renewed interest in birth order theory as part of a broader movement towards overanalyzing and pathologizing ordinary human experiences.

“While it’s tempting to seek explanations for our behaviors and relationships in tidy theories and categories, we mustn’t forget the depth and complexity of the human experience. By reducing ourselves to mere labels or theories, we risk overlooking the richness of our individual journeys and inhibiting our capacity for growth and self-discovery. So, while Birth Order Theory can offer intriguing insights into compatibility, let’s remember that true connection transcends birth order and embraces the multifaceted nature of human connection.”

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The Influence of Birth Order on Attachment Style In addition to personality traits, researchers have explored the potential connection between birth order and attachment style. Attachment theory, proposed by John Bowlby, suggests that early relationships with caregivers shape later attachment styles and emotional development. While not conclusive, some studies have found correlations between birth order and attachment styles.

Firstborn children, benefiting from undivided parental attention before the arrival of younger siblings, may tend to develop a more secure attachment style. Middle children, feeling squeezed between older and younger siblings, might lean towards an avoidant attachment style, prioritizing independence and shying away from emotional intimacy. Conversely, youngest children, often lavished with attention and granted more freedom, might exhibit an anxious attachment style, seeking reassurance and attention in relationships.

However, it’s essential to recognize that individual differences, parenting styles, and other factors also significantly influence attachment styles. Further research is necessary to fully comprehend the relationship between birth order and attachment style.

Practical Applications in Dating While Birth Order Theory provides a fascinating lens through which to examine relationship dynamics, it’s essential to approach it with humility and openness. Rather than using it as a rigid framework for compatibility assessment, consider it as one of many factors that contribute to the complexity of human connection.

Incorporating Birth Order Theory into dating conversations can spark meaningful discussions about family backgrounds, communication styles, and conflict resolution strategies. By fostering open dialogue and mutual understanding, couples can navigate differences with empathy and respect, enriching their bond in the process.

Ultimately, whether you’re an eldest child with a penchant for planning or a youngest child seeking adventure, Birth Order Theory simply offers a starting point for self-reflection and exploration. Whilst we recognise Birth Order Theory may provide valuable ‘fun’ insights into our dating habits, it’s essential to approach it with a balanced perspective. Rather than letting our birth order dictate our romantic pursuits, let’s embrace the diversity of human experiences and the richness they bring to our relationships. After all, love knows no birth order.

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GC: FEMME DIOR

BRAND: DIOR NAME: Microcannage short sleeved jacket COST: 2.900 EUR

BRAND: DIOR NAME: Dior arty microcannage beret COST: 850 EUR

GAME CHANGERS Issue #49

BRAND: DIOR NAME: Tank Top COST: 800 EUR

BRAND: DIOR NAME: Microcannage Miniskirt COST:

BRAND: DIOR NAME: Diorebel boot COST: 2.290 EUR

BRAND: DIOR NAME: Merium Dior Toujours bag COST: 3.300 EUR

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BRAND: DIOR NAME: Dior Signature B8U COST: 490 EUR

BRAND: DIOR NAME: Dway SLide COST: 690 EUR

BRAND: DIOR NAME: Asymmetric Tank Top COST: 950 EUR

BRAND: DIOR NAME: Saddle bag and strap COST: 3.800 EUR

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BRAND: DIOR NAME: Wide leg pants COST: 1.700 EUR

GC: HOMME DIOR

BRAND: DIOR NAME: Bomber jacket COST: 2.600 EUR

BRAND: GUCCI NAME: Wool mohair formal jacket with label COST: $3.200 USD

BRAND: GUCCI NAME: Wool mohair pant COST: $1,350 USD

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BRAND: DIOR NAME: T-Shirt COST: 1.300 EUR

BRAND: DIOR NAME: Cannage Jacket COST: 3.100 EUR(

BRAND: DIOR NAME: Couture relaxed t-shirt COST: 650 EUR

BRAND: DIOR NAME: Bobby Shirt COST: 800 EUR

BRAND: DIOR NAME: Couture hooded shirt COST: 1.200 EUR

GC: CHARITY AGAPI Limassol

Over the past ten years, Cyprus has seen a staggering amount of wealth come into the country and change it radically from when I first arrived almost two decades ago. The glistening metropolis of Limassol, with its new polished buildings and wealth that comes from various countries both near and far has improved the city immeasurably.

One thing I always loved about Limassol is that it is a very cosmopolitan city, with people coming from many different and diverse countries which I believe brings a great deal to improve the city culturally. You can see a radical difference of things to do and places to eat over the last five years, and with huge improvements coming in the near future.

However, for all the nouveau riche contributed from people whose countries are in some form of conflict, whether that is military or economic, there is also a huge influx of people who need help who are coming from very desperate situations to find sanctuary in Cyprus.

Agapi is a Limassol based charity who help people who are facing huge challenges in their life whether they are newly arrived in the country, or something catastrophic has happened and they need help.

They provide support for those who require...

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Provision of groceries, food, baby food, clothing and toiletries.

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Free legal, social and administrative advice regarding welfare and immigration status.

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Referrals to other organisations that may be of assistance.

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Psychosocial support.

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Language classes.

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Arts and crafts groups.

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Friendship groups.

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Fundraising events.

Cyprus over many thousands of years is a country that has evolved based upon movements of displaced groups of people, who have moved here and contributed to improving the country.

As we were taught at school, a society is only really judged on how successful it is by how those who are less fortunate are helped. One thing I have learnt in my life is we are at the mercy of situations that you can have no control over, that can radically change your life in either a positive or negative way.

You can contribute in many different ways via the website agapi.org.cy with your time or things you don’t need if you are clearing out your house or apartment.. Also you can visit them at Zenenos Street 10, 3040, Limassol to learn more. https://agapi.org.cy/

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ISSUE #49

THE JOURNAL FOR INDUSTRY LEADERS

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