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Response: Just Eat Takeaway.Com N. V
NON- CONFIDENTIAL JUST EAT TAKEAWAY.COM Submission to the CMA in response to its request for views on its Provisional Findings in relation to the Amazon/Deliveroo merger inquiry 1 INTRODUCTION AND BACKGROUND 1. In line with the Notice of provisional findings made under Rule 11.3 of the Competition and Markets Authority ("CMA") Rules of Procedure published on the CMA website, Just Eat Takeaway.com N.V. ("JETA") submits its views on the provisional findings of the CMA dated 16 April 2020 (the "Provisional Findings") regarding the anticipated acquisition by Amazon.com BV Investment Holding LLC, a wholly-owned subsidiary of Amazon.com, Inc. ("Amazon") of certain rights and minority shareholding of Roofoods Ltd ("Deliveroo") (the "Transaction"). 2. In the Provisional Findings, the CMA has concluded that the Transaction would not be expected to result in a substantial lessening of competition ("SLC") in either the market for online restaurant platforms or the market for online convenience groceries ("OCG")1 on the basis that, as a result of the Coronavirus ("COVID-19") crisis, Deliveroo is likely to exit the market unless it receives the additional funding available through the Transaction. The CMA has also provisionally found that no less anti-competitive investors were available. 3. JETA considers that this is an unprecedented decision by the CMA and questions whether it is appropriate in the current market circumstances. In its Phase 1 Decision, dated 11 December 20192, the CMA found that the Transaction gives rise to a realistic prospect of an SLC as a result of horizontal effects in the supply of food platforms and OCG in the UK. -
Clickscapes Trends 2021 Weekly Variables
ClickScapes Trends 2021 Weekly VariableS Connection Type Variable Type Tier 1 Interest Category Variable Home Internet Website Arts & Entertainment 1075koolfm.com Home Internet Website Arts & Entertainment 8tracks.com Home Internet Website Arts & Entertainment 9gag.com Home Internet Website Arts & Entertainment abs-cbn.com Home Internet Website Arts & Entertainment aetv.com Home Internet Website Arts & Entertainment ago.ca Home Internet Website Arts & Entertainment allmusic.com Home Internet Website Arts & Entertainment amazonvideo.com Home Internet Website Arts & Entertainment amphitheatrecogeco.com Home Internet Website Arts & Entertainment ancestry.ca Home Internet Website Arts & Entertainment ancestry.com Home Internet Website Arts & Entertainment applemusic.com Home Internet Website Arts & Entertainment archambault.ca Home Internet Website Arts & Entertainment archive.org Home Internet Website Arts & Entertainment artnet.com Home Internet Website Arts & Entertainment atomtickets.com Home Internet Website Arts & Entertainment audible.ca Home Internet Website Arts & Entertainment audible.com Home Internet Website Arts & Entertainment audiobooks.com Home Internet Website Arts & Entertainment audioboom.com Home Internet Website Arts & Entertainment bandcamp.com Home Internet Website Arts & Entertainment bandsintown.com Home Internet Website Arts & Entertainment barnesandnoble.com Home Internet Website Arts & Entertainment bellmedia.ca Home Internet Website Arts & Entertainment bgr.com Home Internet Website Arts & Entertainment bibliocommons.com -
Food and Tech August 13
⚡️ Love our newsletter? Share the ♥️ by forwarding it to a friend! ⚡️ Did a friend forward you this email? Subscribe here. FEATURED Small Farmers Left Behind in Covid Relief, Hospitality Industry Unemployment Remains at Depression-Era Levels + More Our round-up of this week's most popular business, tech, investment and policy news. Pathways to Equity, Diversity + Inclusion: Hiring Resource - Oyster Sunday This Equity, Diversity + Inclusion Hiring Resource aims to help operators to ensure their tables are filled with the best, and most equal representation of talent possible – from drafting job descriptions to onboarding new employees. 5 Steps to Move Your Food, Beverage or Hospitality Business to Equity Jomaree Pinkard, co-founder and CEO of Hella Cocktail Co, outlines concrete steps businesses and investors can take to foster equity in the food, beverage and hospitality industries. Food & Ag Anti-Racism Resources + Black Food & Farm Businesses to Support We've compiled a list of resources to learn about systemic racism in the food and agriculture industries. We also highlight Black food and farm businesses and organizations to support. CPG China Says Frozen Chicken Wings from Brazil Test Positive for Virus - Bloomberg The positive sample appears to have been taken from the surface of the meat, while previously reported positive cases from other Chinese cities have been from the surface of packaging on imported seafood. Upcycled Molecular Coffee Startup Atomo Raises $9m Seed Funding - AgFunder S2G Ventures and Horizons Ventures co-led the round. Funding will go towards bringing the product to market. Diseased Chicken for Dinner? The USDA Is Considering It - Bloomberg A proposed new rule would allow poultry plants to process diseased chickens. -
Fiserv Cashless Payment Innovations for Merchants, Insurers Receive 2020 Payments Awards
Fiserv Cashless Payment Innovations for Merchants, Insurers Receive 2020 Payments Awards December 18, 2020 Solutions enable cashless payments at the point of sale and remotely Warsaw, Poland, 18 December 2020 – Fiserv, a leading global provider of payments and financial services technology, has won two 2020 Payments Awards thanks to the company’s innovative and pioneering approach to cashless payments. “First and foremost, these awards recognise the work of the entire team, as well as the innovative mindset and courage of our partners. Both awards are not only a source of great pride, but also serve as additional incentive for further growth. I am glad to be able to work with trendsetters shaping the world of cashless payments,” said Krzysztof Polończyk, President of First Data Polska, now Fiserv. The Payments Innovation of the Year Award was presented for the SoftPOS PIN on Mobile solution from Fiserv, a technology developed in conjunction with Visa, Samsung and PayCore. The solution enables cashless payment acceptance by merchants on their own devices, such as smartphones or tablets, for any payment amount and without the need for additional equipment. The solution, which is currently being piloted in Poland, opens up the possibility of increased use of mobile devices as payment terminals worldwide. “The popularity of non-cash payments in Poland continues to grow. We already have over a million terminals in Poland, and connecting smartphones and tablets to this huge network will not only increase the share of cashless transactions, but above all will have a positive impact on the cash flow of merchants, small businesses and service providers,” says Rafał Galiński, Products Development Director at First Data Polska, now Fiserv. -
Food Delivery Platforms: Will They Eat the Restaurant Industry's Lunch?
Food Delivery Platforms: Will they eat the restaurant industry’s lunch? On-demand food delivery platforms have exploded in popularity across both the emerging and developed world. For those restaurant businesses which successfully cater to at-home consumers, delivery has the potential to be a highly valuable source of incremental revenues, albeit typically at a lower margin. Over the longer term, the concentration of customer demand through the dominant ordering platforms raises concerns over the bargaining power of these platforms, their singular control of customer data, and even their potential for vertical integration. Nonetheless, we believe that restaurant businesses have no choice but to embrace this high-growth channel whilst working towards the ideal long-term solution of in-house digital ordering capabilities. Contents Introduction: the rise of food delivery platforms ........................................................................... 2 Opportunities for Chained Restaurant Companies ........................................................................ 6 Threats to Restaurant Operators .................................................................................................... 8 A suggested playbook for QSR businesses ................................................................................... 10 The Arisaig Approach .................................................................................................................... 13 Disclaimer .................................................................................................................................... -
Home Bistro, Inc. (Otc – Hbis)
Investment and Company Research Opportunity Research COMPANY REPORT January 28, 2021 HOME BISTRO, INC. (OTC – HBIS) Sector: Consumer Direct Segment: Gourmet, Ready-Made Meals www.goldmanresearch.com Copyright © Goldman Small Cap Research, 2021 Page 1 of 16 Investment and Company Research Opportunity Research COMPANY REPORT HOME BISTRO, INC. Pure Play Gourmet Meal Delivery Firm Making All the Right Moves Rob Goldman January 28, 2021 [email protected] HOME BISTRO, INC. (OTC – HBIS - $1.25) COMPANY SNAPSHOT INVESTMENT HIGHLIGHTS Home Bistro provides high quality, direct-to- Home Bistro is a pure play gourmet meal consumer, ready-made gourmet meals delivery firm enjoying outsized growth and could at www.homebistro.com, which includes meals emerge as one of the stars of the multi-billion- inspired and created by celebrity “Iron Chef” Cat dollar industry. HBIS’s approach and model Cora. The Company also offers restaurant quality represent a major differentiator and should drive meats and seafood through its Prime enviable sales and profit, going forward. Chop www.primechop.co and Colorado Prime brands. The HBIS positioning as the go-to, high-end, high quality provider is further enhanced via its KEY STATISTICS exclusive relationship with celebrity Iron Chef Cat Cora. HBIS now offers meals inspired and created by Cat alongside its world class chef- Price as of 1/27/21 $1.25 prepared company entrees. $6.0147 - 52 Week High – Low $0.192 M&A of HBIS competitors illustrates the Est. Shares Outstanding 11.4M underlying value for the Company and its Market Capitalization $24,3M segment. Nestle bought a competitor for up to $1.5 Average Volume 1,136 billion to get a footprint in the space. -
Fintech & Bank
VOLUME 3 | 2018 THE CENTER OF COMMERCE Fintech & Bank FUsionThere Are Certain Things In Life That You Expect To Be Boring. Technology relevant to the consumer,” says Nigel So, banks have stepped up, have started There are Motyer, who heads up First Data’s Direct to “shake off” the old stodgy perceptions Acquiring Business in EMEA and sits and are beginning to innovate in on the Board of Directors at First Data response to consumer needs. Recently, certain things Europe. “Why did PayPal® become so major banks collaborated to create their all-pervasive? Because it was the only own fintech P2P platform called Zelle®, method of payment that you had on which allows account holders to transfer Fintech in life that eBay – and the consumer loved eBay.” cash instantly over apps or online. you expect to Consumers also love a new way to pay Meanwhile, the fintech world is actively their friends and family, via person-to- seizing ground once monopolized by person micropayments. Early versions banks. SoFi® is an online company that Bank Fusion be boring. allowed for easy payments via text provides personal loans, mortgages, messages. Now, person-to-person and student loan refinancing, mostly For example, rice cakes, micropayments live on a platform nearly targeting Millennials.5 GreenSky® offers waiting rooms, stories indistinguishable from social media, a instant loans for home improvements,6 about rocks – and certain no-go zone for banks.4 and Avant® offers loans to consumers things that you hope will with low credit scores.7 be boring like visits to the “Banks, traditionally, were very slow dentist and travel by plane. -
2020 Q1 Mid Cap Growth Factsheet
Mid Cap Growth Strategy | Fact Sheet as of 03/31/2020 Philosophy Chuck Lauber, CFA First National believes 15% Portfolio Manager that active portfolio 10% Chuck has 25 years of management grounded in 5% investment management strong fundamental 0% experience serving a research and adherence -5% majority of that time as a to risk management will -10% Small and Mid Cap Equity add value to our clients' -15% Analyst at Koesten portfolios over full market -20% Hirschmann & Crabtree cycles by limiting volatility -25% Quarter 1 Year 3 Years 5 Years 10 Years and Security Benefit and increasing their Group. He joined First First National Bank (Gross of Fees) returns. First National Bank (Net of Fees) National in August 2006. Russell Midcap Growth Chuck earned his Bachelors in Business Quarter 1 Year 3 Years 5 years 10 Years Strategy Administration from East Composite (Gross of Fees) -21.19% -11.41% 4.91% 4.63% 10.67% Texas State University in Seeks to maximize long- Composite (Net of Fees) -21.37% -12.32% 4.01% 3.78% 9.73% 1987 and his Masters of term total return, by Russell Midcap Growth -20.04% -9.45% 6.53% 5.61% 10.89% Business Administration in identifying mid-cap 1993 at the University of growth companies in a Portfolio Statistics Strategy Benchmark Texas. broad range of economic Weighted Avg. Market Cap $17.63B $17.26B sectors and industries in Median Market Cap $11.81B $7.24B a bottom-up process. We Kurt Spieler, CFA Price/Earnings (ex-neg) 26.0x 23.0x search for companies that Senior Managing Director Price/Book Ratio 4.1x 4.4x have established a & Portfolio Manager Standard Deviation 17.78% 17.43% sustainable competitive Kurt joined First National Beta 1.01 1.00 advantage. -
Download the Digital Magazine At: Firstdata.Com/Connected
VOLUME 3 | 2018 THE CENTER OF COMMERCE the innovators CASE STUDY: 2 QSR Company INFORMATION QSR customer upgrades their fraud COVER detection to enable a new mobile RESULTS: application launch PROBLEM: When this customer launched a new version of their mobile app, they saw fraud spikes that decrease & ANALYTICS called for new tools. 80% in fraud. SOLUTION: The Advanced offering of Fraud Detect was implemented with a machine learning QSR- industry model, a rules engine, and Case 14 SOLUTIONS Manager. First Data also implemented a capability $200K allowing this customer to test the model at saved after fees. DATA AT THE SPEED OF COMMERCE different scoring thresholds. The innovators Building the new retail frontier. 19 bonus: SPECIAL section Unlocking Merchant Innovation Using machine learning to combat fraud. Shopping is about to get interesting. 8 Mobility Hits Its Groove 44 Fintech & Bank Fusion 10 Outsmarting Fraudsters 47 The Power of Partnerships 12 Rewards Revolution 48 Payments Everywhere 35 The New Big Data 50 Gen-Z Rising 39 Food for Thought 54 Financial Literacy in the Gig Economy 40 Tackling the Pay Gap download the digital magazine At: FirstData.com/Connected Not sure about you, but our dogs are always finding innovative new ways to get our attention. Through this issue of Connected, we take a look at how partnerships, changing consumer landscapes, and fraud breakthroughs are fetching innovative ideas across industries – Labonardo da Vinci and Thomas Pugison would be so pleased. As you’re reading, keep an eye out for the pooches and pups hidden throughout the pages and count them up. -
Hellofresh Extends Its Preferences Menu to Offer 'Quick and Easy
HelloFresh extends its preferences menu to offer ‘Quick and Easy’ recipes for customers HelloFresh customers now have even more choice as the preferences menu is extended to include ‘Quick and Easy’ recipes; delicious, nutritious food on the table in under 30 minutes. From Teriyaki Chicken with Coco-Nutty Rice & King Cabbage to Spiced Buttery Sea Bass, every dish in the ‘Quick and Easy’ menu has been designed with busy people in mind. From unpacking the ingredients and food prep through to the cooking and plating up, dinner can be on the table in a flash using the most delicious ingredients. All of HelloFresh’s ‘Quick and Easy’ recipes are presented on easy to use recipe cards with step- by-step instructions and pictures to guide you through, so even the most basic of cooks can whip up a delicious meal in no time. HelloFresh’s ‘Quick and Easy’ recipes allow you to rustle up something fast that still offers a healthy, nutritious and delicious dinner option. “Our ‘Quick and Easy’ box is a speedy solution for those nights when you want dinner on the table quickly but still want something delicious and nutritious to eat” says Patrick Drake, co-founder and Head Chef of HelloFresh. “Cooking at home with HelloFresh you know exactly what goes into each meal you have - so there is no hidden sugar or high salt levels you don’t know about. And best of all, it is fun and on the table in under 30 minutes.” In addition to the ‘Quick and Easy’ option, customers can also choose the following from the preferences menu; - Chef’s Choice (Head Chef Patrick’s favourite recipes of the week) - Fish Free - Pork Free If you want to mix it up, customers can still swap meals around on top of their preferences. -
Annual Report 2019
ANNUAL REPORT 2019 – HelloFresh SE – HELLOFRESH AT A GLANCE 3 months 3 months 12 months 12 months ended ended ended ended Key Figures 31-Dec 19 31-Dec 18 YoY growth 31-Dec 19 31-Dec-18 YoY growth Key Performance Indicators Group Active customers (in millions) 2.97 2.04 45.3% Number of orders (in millions) 10.54 7.42 42.0% 37.45 27.07 38.3% Orders per customer 3.6 3.6 - Meals (in millions) 79.6 54.7 45.6% 281.1 198.4 41.7% Average order value (EUR) (Exc. Retail) 48.6 48.6 0.0% Average order value constant currency (EUR) (Exc. Retail) 47.8 48.6 (1.7%) USA Active customers (in millions) 1.78 1.09 63.0% Number of orders (in millions) 5.98 3.84 55.7% 20.74 14.94 38.8% Orders per customer 3.4 3.5 (4.5%) Meals (in millions) 40.5 25.2 60.4% 138.2 99.2 39.3% Average order value (EUR) (Exc. Retail) 49.1 50.6 (3.0%) Average order value constant currency (EUR) (Exc. Retail) 47.6 50.6 (5.9%) International Active customers (in millions) 1.18 0.95 24.9% Number of orders (in millions) 4.56 3.58 27.4% 16.71 12.13 37.8% Orders per customer 3.9 3.8 2.0% Meals (in millions) 39.1 29.4 32.9% 142.9 99.2 44.0% Average order value (EUR) (Exc. Retail) 48.0 46.4 3.3% Average order value constant currency (EUR) (Exc. -
Fiserv 16X9 Arial Template
USING THE PAST TO MANAGE PAYMENT FRAUD RISK FORTUNE Magazine World's Most Admired Companies® © 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITED 2014 | 2015 | 2016 | 2017 | 2018 Speakers Andrew Davies VP, Global Market Strategy, Financial Crimes Risk Management, Fiserv Andrew Davies has 25 years experience in financial services and risk management with particular focus on AML, fraud, risk management, settlement risk and payment processing. He is responsible for working with Fiserv customers around the world to design and deploy effective financial crime risk management solutions. Andrew has experience working for and with organizations like Nomura, The Federal Reserve Bank of New York, the Continuous Linked Settlement Bank, ING, Sun Life, Manulife Financial, Citizens Bank, Deutsche Bank and the Bank of Tokyo-Mitsubishi, among others. FORTUNE Magazine World's Most Admired Companies® © 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITED 2014 | 2015 | 2016 | 2017 | 2018 Speakers Dave Richardson Senior Manager Fraud & ATM Operations First National Bank of Omaha Dave brings 19 years experience in fraud prevention field as it relates to various on-line channels, primarily within the financial services industry. He has successfully created a best-in-class fraud prevention team responsible for monitoring and mitigating fraud against consumer, business, and commercial bank accounts. He is an expert at building out tools to prevent losses through ACH, wire, ATM, and mobile channels. Also, he has developed risk control guidance for mobile banking deposit products, on-line money movement, business mobile banking, and enterprise-wide transaction monitoring. His approach focuses on the impacts of fraud prevention to the customer experience.