The companies with most disruptive innovation

THE COMPANIES
WITH MOST
DISRUPTIVE
INNOVATION
Volume 08 | Issue 03 | 2019
Innovative Companies in the
Space Industry
Changing the Status Quo
Disruptive Technology and Changing
Trends Inuencing Business
Infrastructure Transformation

E
o dwell in the current markets and be prepared for upcoming future dilemmas, various industries are on a race
Tto attain advanced innovations for the good of their sectors. As the world is still striving to attain such stature,
some companies have paved their own way turning out to be flag-bearers in their respective fields. In this
edition, “The Companies with Most Disruptive Innovation” Insights Success takes immense pride in featuring some
companies that are offering most innovative products to their clients.
As witnessed by you, me and every other market observer, it has become essential for business owners to implicate new
advancements to step apart from their competition and these companies, with their impeccable offerings, are helping
these businesses and are giving back to their society for better good.
Charles Darwin, a naturalist, biologist and geologist, once quoted and I recite, “It is not the strongest of the species that
survive, nor the most intelligent, but the one most responsive to change.” This above statement can be taken into
consideration, as the change is not subjected to adapting eco-system but also the ideologies. Change, in here, referred as
disruption, helps an individual and company to push the limits of humans’ capabilities. And those who cope with this
ever-lasting change are expected to taste the fruit of success in less time.
Yes, Disruption do drives Businesses!

In this special edition of August, “The Companies with Most Disruptive Innovation”, Insights Success admires
organizations that embrace the change and attempt on giving back to the society. Contributions made by such
organizations are worth appreciation and Insights Success takes immense pride in featuring them in this issue.
Filled with overarching enthusiasm towards technology and inventive ideologies, these organizations are one step
ahead of their respective competition.
Let’s unveil such alike, inspiring interviews and stories of many such significant companies in this special edition and
spread a word about their contribution in making this world a better place. Also, flip through the CXO standpoints
presented by some of the leading industry experts to taste the glimpse of industrial revolutions.
A world without any volatile disruption is forced to dwell on
the past offerings put forth on table.“ “
Bhushan Ghate

ATTOM Data Solutions
Helping to Make Better
Business Decisions
16
Highﬁve
Reimagining Meetings
and the Channel
18
A R T I C L E S
Expert’s Outlook
10
34
The Revolution of our Roads
Driving the UK to Zero Carbon
Transportation
Leader’s Take
Fintech: The Next Big Thing

MultiTech
Transforming the
Way We Live
24
OnePoint Patient Care
Unwavering Commitment
and Compassionate Care
to Patients
26
Pivotal Systems
A Key Player
in the Semiconductor
Industry
30
Sintetica
Promoting Creativity
and Innovation Since 1921
32
Women In
Trucking, Inc
Addressing Women
in the Trucking
Industry Workforce
40
ZorroSign
Taking the Electronic
Signature to the
Next Level
42
22 38Changing the Status Quo
Disruptive Technology and Changing
Trends Inﬂuencing Business
Infrastructure Transformation
Innovative Companies in the
Space Industry

sales@insightssuccess.com
August, 2019
Editor-in-Chief
Senior Sales Manager Business Development Manager
Marketing Manager
Technical Head
Technical Specialist Digital Marketing Manager
Research Analyst
Database Management Technology Consultant
Pooja M. Bansal
Managing Editor
Anish Miller
Executive Editor
Bhushan Ghate
Assistant Editors
Jenny Fernandes
Hitesh Dhamani
Visualizer
David King
Art & Design Director
Amol Kamble
Associate Designer
Iresh Mathapati
Kshitij S Peter Collins
John Matthew
Sales Executives
David, Kevin, Mark, Jai
Business Development Executives
Steve, Joe, Alan, BinayJacob Smile
Aditya Marry D’Souza
SME-SMO Executive
Prashant Chevale Calvin Jones
Circulation Manager
Robert Brown Stella Andrew David Stokes
Poonam Mahajan
Co-designer
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Green number plates for electric
vehicles. Zero Emissions Zone
trials. Grants for any employer
installing EV charge points. Ideas and
initiatives for boosting the adoption of
electric vehicles (EVs) have
accelerated recently, in an effort to
make electric vehicles the norm rather
than the exception on UK roads.
In September, Theresa May announced
further support for the industry at the
very first Zero Emission Vehicle
Summit, outlining a plan to ensure
Britain “leads from the front” in the
widespread adoption of electric
vehicles, committing £106m in funding
for research and development into EV
technology. She also elaborated on the
2040 target to make all manufactured
cars emission-free, saying that this
should be reflected in all cars on the
road just ten years later.
Government backing
This government’s commitment to
electric vehicles is being matched by
an increase in interest from drivers, as
the perceived hurdles - including the
initial cost of switching to an electric
car, and the mile range compared to
traditional petrol and diesel cars - are
being cleared. Last month EVs
accounted for one in every 12 new cars
purchased in the UK.
That’s been attributed to a number of
factors, including the availability of a
range of cars that do at least 150miles
on a single charge, EV drivers are
Fiona Howarth, CEO of Octopus Electric Vehicles,
Biography
Fiona leads the Octopus Electric Vehicle business - a
start-up from Octopus Energy. With a passion for
renewable energy, fantastic cars and using tech to create
great customer experiences, this is absolutely Fiona’s
dream job!
Having studied Engineering at Oxford University, she
spent her early career at Dyson and BMW - developing
efficient motors and hydrogen powered cars. She then
went on to work with major energy companies and
government while at Bain & Company, before joining
British Connected Homes start up AlertMe. A move to
British Gas, saw her take Hive, by British Gas, from a tech
pilot to a household name that today has more than one
million customers.
“Octopus EV is offering the electric vehicle equivalent of
Sweden’s famous baby box,” says Octopus Electric
Vehicles CEO Fiona Howarth
About the Author
The Revolution of our Roads
Driving the UK to Zero Carbon Transportation
www.insightssuccess.com10 |August 2019

reducing their fuel spend by 90%, and
with an increase in the number and
visibility of charge points and a
decrease in the cost of the electric
vehicles themselves.
There’s also been better proof of the
environmental impact of EVs, such as
a recent European Climate Foundation-
commissioned report which found that
EVs emit half the CO2 emissions of a
petrol or diesel car through the course
of their lifetime, and the overall effect
has now been shown to be positive.
A new breed of EV
One company is on a mission to help
drive the adoption of electric vehicles.
Octopus Electric Vehicles is pioneering
an ‘EV bundle’ which will give drivers
everything they need to make the
switch, for one monthly price. The
innovation has come from energy
supplier Octopus Energy, which is
driven by a mission ‘to make buying
energy as easy as buying cornflakes’.
Similarly, the team at Octopus EV
wants to help to make the switch to EV
as easy as possible, for as many people
as possible.
CEO of Octopus Electric Vehicles,
Fiona Howarth says: “For us, the EV
journey begins long before we start
talking about leasing options and
charge point installation. There’s a big
education job to do - many people still
believe that they’ll need to stop every
few miles to recharge and that the
range of models is limited. Our Drive
Day roadshow has proved enormously
popular, touring the country and
letting people come and see the cars
for themselves, as well as question EV
experts about exactly how it all works”
These events have not only
demonstrated the massive leap forward
that the industry has taken in the past
few years, but also provided people
with a chance to test drive the latest
models. From the sporty BMW i3 to
the family friendly Nissan LEAF, the
cars have been carefully selected as the
best EVs on the market, with each
offering at least 150 miles of driving
per charge.
Continues Howarth: “We’ve found that
people are often surprised at what an
electric car can do. I think there’s a
general misconception that the
technology and the pricing has stayed
largely the same since EVs came to
market a few years ago, whereas in
fact today’s electric car is almost
unrecognisable from its older
incarnation, and a hell of a lot
cheaper. Battery costs came down 80%
in six years – unlocking a better range
of electric vehicles at a fraction of the
cost.”
All-in-one EV solution
After education, the challenge has been
how to best help customers with the
changes needed to go electric. Here,
Octopus Electric Vehicles is pioneering
adoption with their ‘EV bundle’.
“We’re offering the electric vehicle
equivalent of Sweden’s famous baby
box, giving the driver everything they
need to make the switch” says Howarth
“and unlike babies, our vehicles come
with instructions!”
Fiona Howarth
CEO
Octopus Electric Vehicles
Expert’s Outlook
www.insightssuccess.com 2019| 11August

As well as the monthly lease of an electric vehicle, Octopus EV organises the
installation of a home charge point and smart meter. The monthly lease cost can
also include insurance, service and maintenance, as well as help and support for
the duration of the contract.
There’s even a bespoke electricity tariff, designed specifically with EV drivers
in mind. Dubbed Octopus Go, it offers renewable electricity at just 5p/kWh
between the hours of 12.30am and 4.30am, allowing people to charge their cars
for just a fraction of the daytime cost for 70% less than a standard variable tariff
from a Big 6 supplier.
Octopus EV has also partnered with myenergi, to offer the innovative Zappi
charge point, which automates charging to take advantage of these prices.
Octopus can arrange the installation of
the Zappi via trusted installers that can
help unlock the £500 home charge
point grant from the government.
This world-first tariff is possible thanks
to Octopus EV’s relationship with
Octopus Energy. The supplier is
already taking advantage of the
potential of smart meters with the
Agile Octopus tariff, which lets
customers see the fluctuations in
wholesale energy prices and adjust
their usage accordingly. It’s just the
beginning of how the company intends
to use smart meter technology, which
allows them to measure and record
electricity usage in real-time and offer
cheaper electricity when demand on
the grid is low.
Fiona Howarth believes this will be a
landmark year for electric vehicle
adoption in the UK. “Tesla has
revolutionised the market and now all
other vehicle manufacturers are
rapidly bringing their EVs to the
market. Think of the switch from
analogue phones to smart phones -
we’re in a similar transitory phase. If
the Government can deliver on their
EV plans, and we think they can, the
carpark of tomorrow is going to look
very different to the gas-guzzling lot
of today.”
About Powerloop
How Vehicle-to-Grid is changing the game ?
Electric vehicles have been criticised for placing more demand
on an already overloaded grid. But a consortium of industry
experts is hoping that electric vehicles could be the solution to
the grid’s capacity issues, rather than a problem. Led by Octopus
EV and Octopus Energy, the consortium has won over £3m of
funding from Innovate UK (backed by government departments
DfT and BEIS) to test the viability of vehicle-to-grid charging on
UK roads.
The Powerloop project offers EV drivers the chance to help
balance demand by supplying the grid with power from their car
batteries during the peak hours of 4-7pm, before recharging in
the early hours of the morning while demand is lowest. In return
for plugging in their cars 12 times a month to supply charge
during the evening, Powerloop drivers will get money off their
monthly leasing cost.

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With the aim to arm
businesses and consumers
with the most current and
accurate property data needed to make
better business decisions ATTOM
Data Solutions came into foray. The
organization provides premium
property data to power products that
improve transparency, innovation,
efficiency and disruption in a data-
driven economy. ATTOM multi-
sources property tax, deed, mortgage,
foreclosure, environmental risk, natural
hazard, and neighborhood data for
more than 155 million U.S. residential
and commercial properties covering 99
percent of the nation’s population. A
rigorous data management process
involving more than 20 steps validates,
standardizes and enhances the data
collected by ATTOM, assigning each
property record with a persistent,
unique ID — the ATTOM ID. The 9TB
ATTOM Data Warehouse fuels
innovation in many industries
including mortgage, real estate,
insurance, marketing, government and
more through flexible data delivery
solutions.
Solutions that Make Life Easier
ATTOM Data just became the first
property data provider to offer Data-as-
a-Service (DaaS), a cloud-based
property data platform that streamlines
data management. The organization
also offers;
Ÿ Bulk data licensing
Ÿ Property Data API’s
Ÿ Match and Append
Ÿ Market Trends
Ÿ Marketing Lists
The company is slowly transforming
the future of property data by offering
a robust and comprehensive list of
premium property data that fuel
various industries.
Who Leads the Pack
Rob Barber is the CEO of ATTOM
Data Solutions. Under his leadership
over the past year, the organization has
completed multiple strategic initiatives
including the addition of best-in-class
neighborhood data through the
acquisition of Onboard Informatics and
launching multiple new products and
solutions to bring more comprehensive
real estate data to the marketplace.
ATTOM List; a new marketing list
creation tool, the introduction of a new
lender-grade but cost-effective
automated valuation model (AVM), as
well as a new streamlined API that
allowed it to consolidate its premium
property neighborhood and boundary
data into one self-service platform.
Most recently however, under Barber’s
leadership was the acquisition of
ATTOM Data Solutions by Lovell
Minnick Partners, a private equity firm
specializing in financial and related
business service companies. Since this
acquisition ATTOM has unlocked the
power of DaaS and continues to disrupt
the marketplace with various datasets
and solutions.
Barber has also been named a 2018
HousingWire Vanguard for his
outstanding executive leadership
contributions in the housing finance
industry. He was also a recipient of the
2019 RISMedia Real Estate
Newsmaker and named a Futurist, for
his ongoing curation of the nation’s
premier real estate database and
product innovation that leverages
ATTOM’s data, data licensing and
customer service. As well as being
named a winner of a Gold Stevie
Helping to Make Better Business Decisions
ATTOM Table of Elements

Rob Barber
CEO
th
award in the Tech Innovator of the Year category for the 17
Annual American Business Awards.
Bringing Innovation to the Table
Employees of ATTOM Data Solutions are encouraged to
broaden their minds with company paid courses and/or
seminars to strengthen their skillset or learn new ones.
ATTOM believes that you still must invest in your
employees, because in order to grow as a company, you
must start from within. ATTOM Data strives to make sure
its employees take time away from work to recharge and
relax.
A strong work-life balance has also been established
through unlimited PTO, flexible schedules, various
company sponsored events, team building activities, a
casual work environment and comprehensive health
benefits. Innovation is fueled through the collaborative
environment that has been created with open work spaces,
cross-departmental work flow and open conversations
among the executive teams.
st
Tackling 21 Century Problems
According to ATTOM Data Solutions, the volume of data
companies need to deal with is huge, so working with a
company like ATTOM to provide clean, consolidated, and
integrated data eliminates the need to go to multiple
sources. ATTOM believes, matching disparate data is
complex and needs constant attention. Therefore, the
organization has built algorithms to automate much of this
and they are continually applying new thinking to this area.
The company also believes that adoption of new
technology, such as APIs and Data-as-a-Service is always
challenging, and ATTOM is leading the market in these
areas in many ways, continuing to push the
industry forward.
with
Most
We strive to arm businesses and
consumers with the most current
and accurate property data
needed to make wise decisions.
“
Client Feedback
“The entire sales process was a pleasure
since we were treated like partners versus
prospects.”-Arup Banarjee, CEO, Windfall Data
“With the ATTOM implementation, DIMONT has
gone from 1.75 ood reviews per hour per employee
to 5-plus per hour per employee…allowing us to
save our customers time and money.” -Denis
Brosnan, CEO, DIMONT
“The data is updated every day, and always arrives
on time. Predictably good. ATTOM has done a good
job of standardizing the data.” -Bryan Copley,
CEO, CityBldr
“

with
Most
Reimagining Meetings and the Channel
Greg Popham
Vice President of Global
Channel Sales
Highve
“The Highve Partner
Program is like the
technology it offers:
rewarding, easy-to-
use, & fast and
simple. Sign-up
today to grow
with us.
“
Founded in 2012 and headquartered in Redwood City,
California, Highfive is a privately held enterprise
specializing in intelligent, in-room video
conferencing. The company is on a mission to make video
communications ubiquitous. The first stop on the journey is
their reimagining of the meeting room experience through
video conferencing solutions that are easy to buy and set
up, simple to use and support, and exceptional at boosting
productivity and collaboration.
Highfive delivers the only integrated hardware and software
platform born in the cloud for in-room video conferencing.
Setting up a new meeting room takes less than 15 minutes,
and the resulting immersive conferencing solution gives
teams instant collaboration so they can just get to work
without fussing with complex hardware and cumbersome
software.
People work differently today, collaborating with more
customers, partners, and colleagues across town and across
the world. Workers themselves are also untethered to an
office, as likely to work from home or a cafe as they are
from a hotel or a remote location. While typical solutions
are hard to use, expensive to support, yet still offer offer
low-quality experiences, Highfive gives IT and workers the
great quality, reliability, and user experience they’ve come
to expect from today’s technologies.
Highve

An All-in-One Solution
Highfive brings together an all-in-one,
bundled hardware and software
solution available for one low, per-
®
room price. It features Dolby Voice to
deliver high-fidelity, crystal-clear audio
and offers 4K HDR video cameras for
stunning video quality. It was born in
the cloud using modern technologies
like Web Real-Time Communications
(WebRTC), AWS hyperscale cloud
computing and storage, and a cloud-
native operating system combined to
deliver a better experience at a lower
cost. Highfive also integrates with
existing Slack, G Suite, Office365, and
other external apps.
This combination of approaches and
modern technologies eliminates nearly
all of the IT burden, enables non-
technical workers to perform the
installations in minutes, and leaves the
updates, maintenance, and security to
Highfive, which does it all
automatically. And because it runs on
AWS hyperscale cloud, Highfive
supports nearly limitless scale,
allowing organizations to equip
hundreds of meeting rooms and giving
video collaboration to thousands of
workers in an instant. Because it’s built
on WebRTC, Highfive leverages the
ubiquity of web browsers to eliminate
end-user downloads, the friction of
expensive and time-consuming manual
software installations, and the
accompanying troubleshooting and
support requirements on IT.
Highfive lets anyone start meetings on
time, everytime, without compatibility,
complexity, or quality issues that can
derail otherwise productive teams.
Video for Everyone, from IT to
Workers, Enterprises to SMBs
According to Highfive, what IT
demands is a video conferencing
solution that’s easy to deploy and
maintain, easy to support, and easy to
buy with transparent pricing. New
meeting rooms must be outfitted easily
and quickly. It must require less
software on workers’ laptops, more
compatibility with existing tools and
workflows, and minimal training to
drive adoption. It must offer
centralized monitoring and
maintenance, scalability to support
growing (or contracting) teams, and a
service-attached model to eliminate
expensive capital expenditures. In
other words, it should work just like
people expect it to work.
Highfive fulfills these requirements by
ignoring the legacy model of tangled,
complex, hard-to-use, incompatible
conferencing systems. Using WebRTC
and AWS hyperscale cloud, along with
®
crisp, clear Dolby Voice audio and
crystal clear 4K HDR video, Highfive
has created meeting room collaboration
solutions that provide the joyful
experience workers want with the
simple and cost-effective delivery
model IT craves.
Highfive has redefined Hardware-as-a-
Service (HaaS), which takes the
hardware, software, and services that
were previously purchased separately,
or cobbled together, in an ad hoc
package, and bundles them into an all-
in-one solution. Highfive provides
everything—the software, hardware,
service, support, maintenance, and
more—for one price, in a fully-
maintained and always-on solution.
The benefits are many, since buyers
have more transparency on what the
get and how much it costs, IT spends
less effort on deployment,
maintenance, and support, and users
get a simple solution that works
seamlessly and effortlessly.
Delivering Future-proof Productivity
Highfive is also reimagining how
companies buy, deploy, and use video
conferencing solutions, and will
continue to do so. Highfive was first to
market bundling hardware and
software into one sleek package that’s
delivered as a service. It pioneered the
combination of hyperscale cloud,
WebRTC, and the simplicity of the
bundle to put video collaboration in
every intelligent meeting room, all
with care-free maintenance. It makes
intelligent meeting rooms easier to
procure, setup, use, and maintain,
whether it’s in one small huddle room
or across an entire company. And
through the company’s unique HaaS
delivery model, anytime there’s a new
feature or technology improvement,
every customer gets it.
With Highfive, any business can
quickly give workers a modern, digital
workplace where every meeting room
is equipped for flawless, immersive
collaboration that provides a “like
you’re there” experience.
Channel-first, Channel-friendly
Highfive has installed a new two-tiered
distribution go-to-market model to
partner with the industry’s leading
distributors and resellers. Highfive’s
channel program is led by Vice
President Greg Popham, former U.S.
director of small and medium business
sales at Hewlett Packard Enterprise.
“Highfive is channel-first, channel
friendly,” commented Popham, who
took over in January. “We set out to
make our program simple and intuitive
for partners. That includes making
processes, pricing, and deal
registration fast & simple. Plus, there
are new medallion levels and other
opportunities for partners to earn
incremental, front-end margin as well
as back-end benefits. Our program is
more rewarding for partners, providing
them with greater opportunities to
drive revenue and grow with us.”
Popham adds that partners earn full
margin/compensation for contract
renewals (on the whole solution) so
partners get ongoing revenue streams
instead of a one-time payment. It’s
clear that Highfive has not just re
imagined the meeting room
experience, but also a new channel
friendly motion to make reselling and
provisioning Highfive as simple as
using the product itself.

hat do we call an area that is not limited to a
Wsingle planet and has no physical boundaries?
We call it the era of the emerging space resource
industry. As humans, we became a spacefaring species 60
years ago when Russia launched Sputnik, the world’s first
artificial satellite. We are the only species to achieve this
milestone in the 4.5 billion year history of the earth. Later,
the space industry began to develop after World War II, as
rockets and satellites later found civilian purpose.
Today, companies around the world are in transportation,
energy sector, construction, hospitality, real estate, etc. and
they are looking for their next growth opportunity. Space is
quickly becoming a place where the industries that power
our global economy have started conducting business.
Future developments in the space industries include space
tourism, satellite manufacturing, and the launch industry. In
recent years, however, private spaceflight is becoming
reality in the space industry.
Of course, these private companies also compete against
each other and it could be argued that a new space race has
begun. But while with an element of competition, the
success of the past decades shows that is possible to
collaborate in space. For example, NASA a major
government agency has relied on privately operated launch
services like SpaxeX for its satellite launches. The original
space race began from the ideas and skills of visionary
theoretical engineers like Robert. H. Goddard, Wernher von
Braun, and Konstantin E. Tsiolkovsky, etc. Today, space
endeavors are propelled by a new generation of
entrepreneurs including Elon Musk, Jeff Bezos, and Robert
Branson. There are some more major players and
innovative companies with the vision of space exploration
and are as follows:
SpaceX- SpaceX was founded in 2002 and has reached
worldwide popularity with their historic milestones in space
exploration. It is already the world’s most high-profile
commercial spacecraft company. The aim of SpaceX is to
revolutionize the space technology, with the goal of
enabling people to live on other planets. Its success has
been worth appreciating. Falcon 9 launch vehicle and
Dragon Spacecraft are some of its milestones. Dragon
Spacecraft has helped with regular resupply missions for
NASA space stations.
Blue Origin- It was founded in 2000 by Jeff Bezos, the
technological retail entrepreneur and CEO of Amazon, aims
to launch people in space. It is fully reusable, vertical
takeoff vertical landing (VVTL) space vehicle. Though its
goal is different from that of SpaceX, it targets the Space
tourism industry. It is focusing on commercially available,
suborbital human spaceflight and has developed a vertical
launch vehicle (new shepherd) for it. New shepherd is
named after the Mercury astronaut Alan Shepherd, the first
Innovative
Companies
in the Space Industry

American Astronaut to go in Space. It is designed to take
astronauts and research payloads past the Karman line, the
internationally recognized boundary of space.
Boeing- Boeing is the world’s largest aerospace company
and leading manufacturer in space and security systems.
Throughout the last 50 years, Boeing has been integral in
every major endeavor to escape earth’s gravity. The satellite
industry has made the headlines since the launch of its first
Mercury capsule to the current ISS (International Space
Station).
NASA’s Space Launch System (SLS) is the most powerful
rocket ever built. Boeing is the prime contractor for the SLS
design development, test, and production of the launch
vehicle. SLS is the world’s only super heavy rocket capable
of transporting astronauts to deep space. NASA is setting its
eyes on the exploration of Mars with the help of Boeing
technology. Boeing has successfully launched all of
NASA’s Mars probes and rovers aboard Delta 11 launch
vehicles. Recently Boeing engineer designed a spacesuit to
protect astronauts from dust, radiation and other hazards
when exploring the surface of moon and mars.
Sierra Nevada Corporation- Selected by NASA, SNC’s
Dream Chaser spacecraft is a multi-mission space utility
vehicle. It used for transporting crew and cargo to LEO
(Low Earth Orbit) destinations such as ISS (International
Space Station). The system is designed to deliver up to
5,500 kg of pressurized and unpressurized cargo to the
space station under the CRS (Commercial Resupply
Service)-2 contract. It will carry supplies like food, water,
& science experiments and returns to earth with a gentle
runway landing. The spacecraft is selected by NASA to
provide a minimum of 6 cargo missions to and from the
space station by 2021. Sierra Nevada Corporation is making
solid progress and likely to stay a key player in the private
space company.
Northrop Grumman Corporation- NGC is a leader in
science and exploration in space for more than 60 years.
Thiokol Chemical Company, now part of NGC developed
the world’s first reusable space shuttle program in the late
1970s.
Contribution to NASA: July 20, 1969, was a historic day
when the world watched, astronaut Neil Armstrong took
mankind’s first steps on the moon. The success of NASA’s
Apollo 11 mission is still remembered and celebrated.
Several heritage companies of NGC are recognized for the
vital role they played in the achievement of the Apollo 11
mission. NGC designed, assembled, integrated and tested
the Lunar Module (LM) of the Apollo program.
NASA’s Northrop Grumman built Chandra X-ray
Observatory and it continues to produce data that enables
astronomers to make extraordinary discoveries. Launched
in 1999, Chandra has found evidence for a significant new
class of supernova. It has also uncovered evidence of a
powerful outburst from the giant black hole at the Milky
Way’s center.
NASA has a long tradition of utilizing Northrop
Grumman’s spacecraft, including the Spirit and Opportunity
rovers that landed on Mars in 2004. The rovers will help
guide the Mars as it investigates the viability of microbial
life on the planet now or in the past.
NASA’s James Webb Space Telescope will play an
important role in studying planetary systems. NGC is the
prime contractor for building the dreams of Webb
technology. The telescope will be sensitive to infrared light
which will enable it to understand an era of the universe
just a few million years after the Big Bang.
Made in Space- MIS is the space-based manufacturing
company, dedicated to making of reliable Additive
manufacturing equipment and fiber optics (MIS Fiber) for
Space. Additive manufacturing is also known as 3D
Printing and is transforming the industry. It can
manufacture larger and more complex objects faster, with
finer precision and with multiple aerospace grade materials.
MIS Fiber Optics, on the other hand, is produced without
crystals that affect signal loss. Later, these crystals provide
superior data transmission capabilities, high-speed internet
as well as enhancing technologies in space.
Virgin Galactic- Virgin Galactic is a spaceflight company
founded in 2004 by British entrepreneur Sir Richard
Branson. It is developing commercial space crafts and aims
to provide suborbital spaceflights to space tourists. VG uses
a larger, four-engine jet plane that carries passengers into
space. It is similar in design to a private plane. These
private space firms seem to have different interests in the
space race, but actually, these companies share the same
goals.
Looking at the future, there will be a need for laws,
regulation, and controlling authority to govern space
exploration. It will be necessary to have firm and well-
understood protocols in the event space crashing, while
there are serious issues around the safety of astronauts as
well. At the moment, the UN’s Outer Space Affairs is
responsible for promoting international cooperation in the
peaceful uses of outer space. Perhaps, the entry of the
private sector into space exploration will contribute to the
growth of the economy as valuable targets for investment.
However, it will be interesting to see how healthy
competition opens up in the development of the Space Era
for Citizens.
Infrastructure Transforma on

with
Most
leveraging best-in-class processes, and empowering our
team to achieve and grow.
Connecting Businesses
For nearly 50 years, MultiTech has consistently connected
businesses in ways previously unimaginable, ranging from
the earliest analogue systems to the IoT, and the latest
low-power wireless technology. The company has no
intention of slowing down and it is continuing its legacy of
ﬁrsts with the world’s ﬁrst commercially deployable LPWA
suite of communications devices and related network
management tools.
nternet of Things (IoT)! For some it’s just a fad, for
Isome it’s a great piece of technology. However, despite
many contradictory statements and theories, we must
thank the technology for making our lives much easier.
Enters MultiTech, an organization that develops and
manufactures data communications equipment for the
industrial Internet of Things—connecting physical assets to
business processes to deliver enhanced value. The
organization’s mission is to make connected technology
easy to adopt and use by focusing on customer needs,
developing innovative solutions, outpacing market change,
Transforming the Way We Live
Stefan Lindvall
CEO
MultiTech

MultiTech consists of about 200 people nowadays, with a
global footprint. It has operations which include
manufacturing and supply chain, program management,
finance and legal, and IT. Of course, its engineering and
innovation organization is absolutely critical to its success,
as it has always been an engineering-driven organization.
Today, MultiTech’s sales and marketing teams are gaining
prominence. The organization continues to fine tune itself,
which is a must do for the kind of sustainability it has
enjoyed.
Also, the company believes, understanding the balance
between people, tools and process is very critical. Not one
part of that triangle can accomplish MultiTech’s goals on its
own.
When the Future Lies in Rolling out New Technologies
When it comes to the future of the organization, one can
expect to see MultiTech much more aggressive in terms of
rolling out new technologies, product enhancements and
tailored support services. The focus is to help the customers
navigate the technology landscape, identify the most
appropriate solution for their specific applications and
ultimately, solve their biggest IoT pain points. Most
importantly, MultiTech intends to continue contributing to a
better future.
Client Feedback
“MultiTech has allowed me to do things for my customers
that I previously thought were impossible.” – Steve Schuh,
Owner, Schuh Electronics.
“MultiTech has made our integration into the IoT
community seamless.” – Kyle Prichard, Operations
Director, Smartfield.
“There is no doubt MultiTech is the smart choice for our
business.” – David Walker, President, RTC.
“With our development, MultiTech is a key factor. No need
to say more.” – Eugene Smit, Engineering Director, Leap
Electronics.
According to the company, the IoT is creating new
customer experiences and unparalleled economic value,
while improving quality of life for countless people around
the globe. By providing products and services to connect
“things” to the Internet, MultiTech delivers deeper
understanding to businesses, governments, organizations
and individuals, which will in turn transform the way we
live and work.
A Massively Experienced Leader
Stefan Lindvall, the CEO of MultiTech brings more than
20 years of experience in the wireless industry to the
organization. Before joining MultiTech, he founded
Connected Development. He also served as President of the
Americas at Wavecom and before that held various
leadership positions at Sony-Ericsson, including Vice
President of M2M sales, Americas.
Stefan’s leadership has brought the MultiTech team closer
to its customers – with the right people in the right places; a
few tweaks to its go-to-market strategy, and the right mix of
exciting new products.
At MultiTech, Stefan fosters a culture of entrepreneurship,
creativity and accountability amongst the team, resulting in
an organization intensely focused on execution across every
part of its business from sales to engineering to
manufacturing and operations.
Acknowledging the Differentiators
According to MultiTech, competitive differentiation
requires constant vigilance. It helps a lot to be first, which
the organization has been able to do more frequently in the
past few years. It also requires an intimate knowledge of the
customer set and considers the voice of the customer in
everything it does. Finally, it is important to acknowledge
what the differentiators are, as well as those of the
competition. Even sometimes, when the organization is not
the best fit, pointing those customers to a more suitable
vendor promotes trust and pays off in the end as both those
prospects and competitors acknowledge and return the
favor.
Understanding the Balance between People, Tools and
Processes
As per the organization, getting something started is not the
easy part; it’s a lot of work. And to make it stay so that one
is viable year after year, one has to be willing enough to
invest. That means one has to take time and talent of his/her
own and others and make it so that one can sustain the
“genes” that already exist. Companies need somebody
watching out for all that stuff in order to make sure the
same energy is applied to sustaining what went into starting
a business. If one is putting a process together, then he/she
has to make sure it is used on a daily basis.
Our vision is to be the
preferred provider for
innovative connected
technology destined to
transform our world.
“
“

OnePoint Patient CareUnwavering Commitment and
Compassionate Care to Patients
Jeffrey Hohl
CEO
Jim Otterbeck
Chairman
The world of hospice pharmacy revolves around life,
death and responsibilities. Pharmacy providers are
hospices’ front line when it comes to successfully
managing patients’ symptoms and quality of life. One Point
Patient Care understands that providing quality and dignity
of life is as important as the length of life and is a demanding
responsibility.
OnePoint began in 1965 with a single dispensing pharmacy in
Phoenix, AZ. In the 1980s, when the Medicare benefit for
hospice took effect, OnePoint became a pioneer in providing
local hospice pharmacy services to the growing hospice
industry. Since that time, its innovative approach has
combined the typically separate businesses of pharmacy and
pharmacy benefits management, serving as a single
comprehensive and accountable partner.
Currently, it owns and operates 10 hospice-centric pharmacies
strategically located throughout the United States and in the
process of opening five additional pharmacies by 2020 in
direct response to growing demand by hospices for its local
dedicated hospice pharmacy model.
OnePoint prides itself on being the most adaptable and
flexible hospice pharmacy partner in the pharmacy industry.
Through its local, mail order and PBM services, it fills
prescriptions, creates custom compounds and formularies,
OnePoint’s approach since our
founding has not changed. We
believe that owning and
operating our own pharmacies
translates to a level of customer
service unmatched in the
industry. Our continued growth
demonstrates that there simply
is no substitute for decades of
local hospice experience.

with
Most
provides home deliveries, and manages
pharmacy benefits for more than 250
hospice programs and 32,000 patients
daily in all 50 states.
E-Prescribing Made Easy
Use of accurately designed
e-prescribing systems prevents medical
errors. OnePoint’s medication app,
OneConnectPoint , is specifically®
designed for hospices, empowering
clinicians to spend less time dealing
with pharmacy and more time caring
for patients. Clinicians can quickly and
easily e-prescribe, admit patients,
update medication profiles and much
more, right from their smartphone,
tablet or laptop. The app integrates
seamlessly with the hospice’s EMR so
that it’s easy to electronically order and
refill medications, verify orders in real
time, send messages to authorized
approvers, and access important
clinical tools including Therapeutic
Interchange Evaluation Report (TIER),
Plan of Treatment (PoT) and
Formulary Dispense Detail reports.
Innovative PBM Platform
OPPC’s PBM (Pharmacy Benefits
Manager) platform is the most
adaptable in the hospice industry and is
designed to support superior, cost-
effective patient care. It optimizes cost
management by providing
transparency in pricing models,
leveraging deep clinical expertise and
providing real-time evidence-based
therapeutic and deprescribing
recommendations using online tools.
Real-time reporting gives users the
ability to track patient’s medication
management and quality of care goals
with 24-hour access to comprehensive
administrative, clinical and compliance
reporting.
OnePoint understands that no two
hospice programs are the same:
accordingly, OPPC offers hospices
multiple payment methods such as
transparent cost plus pricing,
traditional fee for service and a new
“essential” per diem designed to
control costs. Some partners even
employ different models across
separate sites.
In addition to its adaptable pricing
methods, OnePoint offers customized
formularies to meet hospices’ unique
cost goals, prescribing philosophies
and best practices for cost effective
symptom management.
Unique Insight into Hospice Patient
Needs
As a hospice pharmacy leader for more
than 30 years, OPPC takes pride in
providing a world-class customer
service experience along with the most
efficient mail order delivery model in
the industry. The company’s
strategically located, owned and
operated hospice pharmacies enable
OnePoint to provide local dispensing
and delivery. OnePoint provides same
day ordering and delivery wherever the
medication is needed, whether it’s the
patient’s home or an IPU.
Hospice pharmacy requires unique
expertise. OnePoint recruits and retains
leading pharmacy professionals who
specialize in hospice care. The
pharmacy leader has a clinical team
with deep knowledge of hospice
medications, dosage conversions,
interactions and alternative therapies.
The company’s OneConnectPoint
portal gives on-demand access to
patient history, drug profile, diagnoses,
Rx order history, real-time order status
and more. All staff members have
electronic access to full patient profiles
and drug history at their fingertips.
With a single phone call and virtually
no-wait time, hospice care team
members can speak directly to a
knowledgeable hospice pharmacy
professional. Dedicated Service
Delivery Managers are responsible for
ensuring a positive service experience
and resolving any issues in a
timely manner.
Expanding to Meet Future Demand
OnePoint plans to continue nationally
expanding its local pharmacy model.
As a privately held company, OnePoint
has the necessary agility to meet
emerging hospice needs. By keeping
its ear to the market and regularly
engaging partners and prospects to
identify areas of need for hospices,
OnePoint aims to enable nurses and
other caregivers to focus on
exceptional patient care rather than
time-consuming administrative tasks
ranging from patient documentation to
facilitating medication and home care
product procurement.
Solid Leadership
Under Chairman Jim Otterbeck’s
leadership, in addition to acquiring its
original hospice pharmacy in 2005,
OnePoint has grown both its census
and revenue by over 400% and
captured approximately a 10% share of
the national hospice pharmacy services
market and growing.
Jim earned an MBA in economics and
marketing from Northwestern
University’s J.L. Kellogg Graduate
School of Management and a BBA in
decision sciences from the University
of Iowa.
As the CEO of the organization,
Jeffrey Hohl, oversees OnePoint’s
sales, services and technology. He
previously served as OnePoint’s
president and COO, driving its market
and operational expansion. Jeff has 30
years of new business growth
experience, including business and
new product development, operations,
marketing, distribution channel
management, and product/technology
licensing. He has held leadership roles
at several organizations including The
VenCom Group and The MAC
Group/Gemini technology and
telecommunications practice. He
received his BS in engineering from
Harvey Mudd College and a BA in
management/economics from
Claremont McKenna College.

Pivotal Systems
A Key Player in the Semiconductor Industry
Semiconductor devices influence our lives on a daily
basis and are all around us. They can be found in just
about every commercial product we touch, from the
family car to the pocket calculator. They are contained in
television sets, portable radios, stereo equipment, and much
more. Science and Industrial space also rely heavily on
semiconductor devices. Research laboratories use these
devices in all sorts of electronic instruments to perform
tests, measurements, and numerous other experimental
tasks. Industrial control systems (such as those used to
manufacture automobiles) and automatic telephone
exchanges also use semiconductors. Even today, heavy-duty
versions of the solid-state rectifier diode are used to convert
large amounts of power for electric railroads. This creates a
need for handling, controlling, and manufacturing
semiconductor applications. Pivotal Systems provides the
best-in-class gas flow monitoring and control technology
platform for the global semiconductor industry. The
company’s proprietary hardware and software utilizes
advanced machine learning to enable preventative
diagnostic capability resulting in an order of magnitude
increase in productivity and capital efficiency for existing
and future technology nodes. The platform includes
Pivotal’s Gas Flow Controller (GFC) product lines that
offer high-accuracy, real-time monitoring and control of the
most critical parameters difficult to control in wafer
processing today: Gas Flow and Chamber Condition.
Inception Story
The Executive Team at Pivotal Systems has decades of
experience in the semiconductor industry working at the
leading process equipment companies. John Hoffman, the
CEO of the company, has over 30 years of global high
technology management experience building growth
organizations in both semiconductor and information
technology markets. Dr. Joe Monkowski was the President
of Lam Research and Officer at Advanced Energy. Nori
Kobayakawa was an executive at KLA-Tencor, the leading
metrology and Inspection Company in the world. All of
them came together understanding that the singular goal of
the largest global semiconductor manufacturers and largest
global equipment companies was to enable the manufacture
of better semiconductor devices per hour of production.
They all understood that speed and repeatability of existing
gas flow control systems was a significant limiter and it was
a technology segment that was ripe for innovation.
An All Encompassing CEO
Prior to joining Pivotal Systems, John was a Senior VP with
Spencer Trask Ventures, a New York based venture capital
firm. While at Spencer Trask, John was primarily involved
in the solar and integrated circuit efforts of the firm. Prior to
Spencer Trask, John was the Chief Executive Officer of
RagingWire Enterprise Solutions, an Inc. 500 fastest
growing private company. John reorganized the company
and enabled record growth in revenue and profitability
during his tenure. John has also been an officer at Applied
Materials for 18 years and ran several of their largest
business groups while there.
John was the President of the billion dollar “Etch Product
Business Group”, VP and GM of the Process Control and
Diagnostic Business Group and the General Manager of the
Customer Service Division which grew by over 300%
during his tenure. John has a B.S. from the United States
Military Academy at West Point and an Executive MBA
(AEA) from Stanford University. He currently serves on
several Boards of Directors and Advisory Boards.
Overview on Innovative Products
Pivotal Systems is driven by Innovation coupled with
continuous improvement. When the company was
established, it approached the gas flow control problem
from an entirely different direction. It used nanotechnology
and machine learning to effectively change the competition.
The key point to remember is that if a company uses

something for the first time in an Industry, every
improvement it makes is effectively continuous innovation.
Pivotal’s Gas Flow Controllers and Flow Ratio Controllers
solve key semiconductor manufacturing issues through a
proprietary hardware design, which is underpinned and
driven by an internally developed and proprietary software
operating system. This provides accurate and repeatable
flow control and real-time measurement no matter the
dynamics of semiconductor wafer processing. Ultimately,
Pivotal’s products enable there billion dollar customers the
ability to make more money while preserving resources.
Wide-reaching Pivotal Systems Applications
Much of the electronics and technology that is used by
corporates and consumers today contains either IC and/or
OSD devices. Pivotal’s current product portfolio controls
the flow of gas into process tools used in the production of
ICs. Pivotal’s devices are either sold to:
• Original Equipment Manufacturers (OEMs): to be used in
both deposition and etching process tools supplied to
Integrated Device Manufacturers for application in the
semiconductor manufacturing process.
• Integrated Device Manufacturers (IDMs): to retrofit
existing process tools installed in semiconductor fabrication
plants.
Pivotal Systems’ technology and innovation paves the way
for the future of gas flow control. The flow control
technology combines Pivotal’s patented, high accuracy
™
GFM system with patented control valve technology. As
such, it leapfrogs the current MFC technology by offering
an order of magnitude improvement on key flow
parameters, thereby enabling high efficiency advanced
wafer-manufacturing processes.
Future Trends and Sustaining Competency
Pivotal Systems’ future is just like every other company in
the world, it is what the employees and management make
it to be. The organization collectively needs to show up
every day and continuously support its customers by
bringing them continued value. If the company is able to
work in this manner, its future is bright.
Pivotal Systems future is driven by a shared vision of
excellence and innovation coupled with relentless pressure
to execute. New integrated circuit designs and new
materials are continually bring introduced to make the next
generation of devices. Pivotal’s engineering team is focused
on continuously optimizing and improving both the
hardware and the software platform in conjunction with
strategic customer requirements.
Pivotal Systems will be the
leader in gas flow control in
the Semiconductor Industry.
with
Most
John F. Hoffman
CEO

Promoting Creativity and Innovation Since 1921
Augusto Mitidieri
CEO
Everything we do is to
achieve scientiﬁc
leadership. We are
continuously improving
the way we work, taking
the best we can of the
capabilities we already
have and building those
we are need of.
“ “

with
Most
Innovation is the definition of progress and become the
mainstay of organizations. The arena of global
business industry has been changed by the speed of
innovation. Sintetica is a Pharmaceutical company
delivering injectable anaesthetics and analgesics to patients
worldwide, through innovative science and excellence in
development, production and marketing.
Sintetica Founded in 1921, since then it became hospital
market leader for analgesics and local anesthetics, with
offices located in Germany, Italy, England and two national
production and development sites in Mendrisio and Couvet,
with 300 employees.
Innovative Management Model
Sintetica’s dynamic, innovative and growth-oriented
corporate environment, combined with the corporate
strategy which is based on the global diffusion of
innovation. It requires deep focus in order to build a
management model that able to be “dynamic and
innovative” and to help the company in the difficult task of
balancing the strategy with operations. If, on the one hand,
the human-centered organization will ensure the
effectiveness/efficiency of the processes, thanks to its strong
managerial cultural connotation oriented towards
responsibility and merit, on the other hand, the new
management model will have to ensure continuous
consistency between operations and strategy.
Inter-functional Management Routines (IMR) will therefore
be created, which consists of groups of people whose level
of responsibility is not necessarily homogeneous, coming
from heterogeneous functions, able to harmonize operations
with the strategy in the hinge sectors for the development
and growth of Sintetica. Basically, an IMR pool which
thanks to the exchange of critical information, decides and
acts "easily" by continuously combining strategy, and
operations, and maintaining a live coordination throughout
the entire organization. They will be able to reach a
horizontal dimension thanks to inter functionality and the
exchange of decisive information; but also a vertical
dimension, thanks to the multilevel composition and the
mechanism of the peripheral decisional autonomy present
in the organization. Rebuilding strategy in operations means
acting, changing one or the other, and correcting routes,
abandoning old paths all in the shortest time possible, and
with the highest involvement of responsibility in the
organization. The expected result is maximum agility.
Proficient Leadership
Augusto Mitidieri, CEO of Sintetica, is an Italian and
Swiss citizen, graduated in Management Engineering from
Politecnico di Milano. He also obtained a CAS (Certificate
of Advanced Studies) in Economics and Health Policy at
the University of Lausanne. His work in the pharmaceutical
industry began in 1996.
In 2000 Augusto joined Sintetica SA, Mendrisio (TI), as
Production & Engineering Manager. In Sintetica, he also
worked as Quality Assurance Manager, before becoming
General Manager of the Company in 2004. Since 2011
Augusto has held the position of Corporate CEO of the
Sintetica Group.
Under his guidance, Sintetica SA, the oldest pharmaceutical
company in Ticino, has undergone a period of extraordinary
growth and entered international markets with its high-
quality products in the sector of local anaesthesia and pain
therapy. Able to implement a real strategic vision which
places the individual at the very centre of corporate
decisions, Augusto Mitidieri, together with the whole of
Sintetica SA, has earned important international awards and
recognition.
Human-Centered Organization
Sintetica’s “human-centered” organization model is based
on a deep cultural change. It requires an innovative
managerial philosophy, which places responsibility and
merit on center, changing organizational models and
behaviors at all levels.
Merit is Always Valued
It is clear that in today’s dynamic scenario, people will
grow by merit. The merit must be recognized at all levels
with feedbacks (on work) and rewarding (recognition of
merit). In Sintetica it is believe that “The merit of each
manager is the “enriched” sum of the success of every
single member of his team. The received delegation must be
used by every person of the organization with responsibility
and autonomy and must be oriented towards achieving the
objective. Those who deserve to decide will decide, thanks
to their responsible and valid contribution to the
achievement of the established goal.
As already mentioned, the conscious use of the feedback
tool is fundamental in order to improve you in a clear and
honest way. If you make a mistake, apologizing to the
people concerned and assuming your own responsibilities,
will be the fairest and most appreciated way.

The Next Big Thing
FintechThe Next Big Thing
Fintech
e are at a time in which technology advances at an incredible pace, unlike other generations, today’s society is
Waccompanying technology, allowing it to develop without fear of looking back. Unfortunately, regulation and
laws cannot advance at the same speed, and that is creating dangerous gaps that can destabilize the economy as
we know it today.
The crisis we have experienced during the last decade has shown the shame of the economic system, and its fragility in some
aspects, such as its banking dependence. The latter has allowed alternative investment to hatch, and with it many ﬁntech
tools, blockchain systems, tools based on peer to peer, etc.
Francisco Mariscal
Co-founder & CEO

The problem we are experiencing is
that, with the mentality of breaking the
rules so as to write them again
(something that in principle should be
positive for society), we are forgetting
the basic rules on which our society is
based; data protection, right to privacy,
capital controls, or protection of
retailers, are basic rules that should not
be forgotten, because if we do so, we
are going back in time despite being in
the most advanced technological cycle
in history. And this can lead to a spiral
as much or more dangerous than the
crises we have experienced in recent
decades.
Do not mistake the passion necessary
to advance in a disruptive business,
with moving forward at any price, the
next decade will be marked by major
changes in many sectors: Fintech,
Insurtech, Foodtech, Legaltech, etc. As
we can see in their names, they all rely
on technology, in which in most of the
cases there is no regulation or
jurisprudence, so we must be cautious
with the rules on which we write,
because if we do it in the wrong way
we will be wasting the opportunity that
is being given to us.
A clear example of the above is that the
majority of cryptocurrencies, which as
we all know are written under
Blockchain technology. The
blockchain technology is very reliable,
but it is not infallible, and
unfortunately the states are not
prepared for its supervision and
control, so even though its survival and
development is clear, here the market
is not ready to hatch, and unfortunately
we are seeing how it advances at a
speed of madness, and possibly we will
see scary situations, because the vested
interests are very high, and possibly
some are not entirely licit.
Another example, are the famous
ICOs, in 2017 we have seen how the
volume under management with this
type of product has multiplied by 5 in
direct investment on the same type of
asset, I do not say that that is bad in
itself. But when we see that companies
that have not been able to finance
themselves by normal alternative
investments, manage not only to do it
by this method, but also obtain three
times the capital they needed, it looks
like we are facing a bubble, and that if
it is not controlled can only bring
problems to the system, and possibly
the ones that will pay for this will be
the usual ones, the retail investors. All
this will bring fear into the tools that
are being born now, and could end up
becoming a mere frustrated attempt,
instead of a complement of the future.
Both examples described above are
allowing us to generate inflation in
value and price, something which we
all know what it will bring us. It is
clear that crises, like wars, generate
poverty, although in the long term
these allow the pillars upon which the
economies are built to be more solid,
and with that comes certain economic
evolution and improvement, at least to
date. Therefore, my insistence on
control, at least in what affects citizens,
the companies can take risks, but
without transferring them to people.
In general, the fintech sector has a huge
market for its development potential,
disintermediation and the creation of
value for the user will mark the next
decade. The new generations want
products that provide value and that do
not generate captivity of anything or
anyone. And this is my reflection, to
generate value to the user, it is
something more than just to provide a
friendly and easy to use tool, we must
protect the users and explain the risks
to be assumed. We are seeing how
many investment platforms sell high-
risk products to their users through
marketing tools. It is clear that we
could not live on a banking product
eternally. But what can not be allowed
is that the rules of protection for retail
investors are violated, because in doing
so we will be destroying a complement
of value to the traditional banking
product.
As a conclusion of all the above,
almost all the Fintech tools have a long
life ahead, the regulation is tracking
behind, but if we want it to last over
time, we must not forget the basic rules
of user protection in all its aspects.
Although there are no rules in most
cases we must use common sense,
which in many cases we are
demonstrating that it is the least
common of all the senses. Users are
our loudspeaker to change things, and
if we mistreat them, all they will say is
that we are another failed attempt at
evolution.
Francisco Mariscal is
a Founding Partner of
Fellow Funders.
Telecommunications
and industrial
organization engineer
from Universidad
Europa, he has a
master’s degree in
Quantitative Finance
from AFI and an
Executive MBA from
EAE Business
School.
About the Author
Leader’s Take

75%
75%
75%

Addressing Women in the Trucking Industry Workforce
Women In Trucking, Inc.
Women’s empowerment is
not limited to technical
careers; instead, women
have explored and contributed in many
industries and are providing much-
untapped potential. One example is in
the area of trucking. Ellen Voie, a
passionate and prolific leader, has
worked very hard to further the
advancement of women in the trucking
industry. Through a vision of creating
an organization which focuses on
increasing the number of women
employed in the trucking industry, she
founded Women In Trucking
Association, Inc.
Since its inception in March 2007, the
mission of the organization has been
consistent. The goal is to increase the
employment of women in the trucking
industry; to address obstacles that
might keep women from entering or
succeeding in the trucking industry,
and to celebrate the success of its
Ellen Voie
CAE
members. The organization is the only
group that focuses on encouraging and
supporting women in the trucking
industry and includes over 4,000
members in seven countries.
Disruptive Solutions with Expected
Challenges
To support its mission, the Women In
Trucking (WIT) Association is a
resource for the trucking industry and
offers numerous publications, data and
educational opportunities for its
members. First, to encourage
employment, Women In Trucking
Association has a career center on its
website where employers can post
jobs, and members can find great
companies who value women as
employees. In an effort to promote the
industry to the next generation, Women
In Trucking Association has been
proactive to reach out to children
through a truck driver doll (available
on Amazon.com or HABAUSA.com),
a supply chain activity book and a
patch and curriculum for girls to earn
through the Girl Scout/Girl Guide
program. Women In Trucking
Association has also done a great deal
of research on how to attract and retain
female drivers and offers a recruiting
guide to its members.
In addressing obstacles, Women In
Trucking Association has also created
an anti-harassment employment guide
for trucking companies to use when
pairing unrelated individuals in the cab
of a truck, for team or training
situations. The association has also
worked with truck manufacturers to
create a more ergonomic cab that
provides a more comfortable fit for
female drivers through more
adaptability inside the cab. From
pedals to seats to the dash, mirrors,
hood and even an alarm system and an
enclosed area for a porta-potty, these
design changes create a more
ergonomically correct cab for both
women and men.
The organization has initiated an
annual WIT Index, which measures the
percentage of women in management
positions, as well as the percentage of
female professional drivers. The WIT
Index also includes tracking women
serving on the boards and in
management roles of the publicly
traded carriers in the US.
Celebrating the successes of its
members is a significant focus for the
association. From a “Member of the
Month” to an annual “Distinguished
Woman in Logistics” and “Influential
Woman in Trucking,” WIT helps these
women become recognized and
honored. The US and Canadian
“Salute to Women Behind the Wheel”
celebrates professional female drivers
who are honored for their role as
pioneers in the trucking industry.
The WIT Image Team offers positive
exposure through the media featuring
various members in USA Today, Oprah
Magazine, the “Today Show,”
“Dr. Oz” and 20/20 with Diane
Sawyer, along with numerous radio
and print publications.
with
Most

‘Life begins at the edge of
your comfort zone.’ Push
yourself and your staff to
test limits and create
change in the process.
From the chairwoman of the National Transportation Safety
Board to the Federal Motor Carrier Administration leaders,
Senators, Congressmen and State Secretary of
Transportation have been given a glimpse inside the life of
a professional female driver.
Recognition worth Addressing
Women In Trucking Association and its President/CEO,
Ellen Voie, have received numerous awards. In 2012, the
organization was honored by the White House for being a
“Transportation Innovator Champion of Change” while
Voie received the 2015’s “Distinguished Alumna of the
Year” award from her alma mater—the University of
Wisconsin-Stevens Point Division of Communication. In
May 2016, she was honored as one of Fleet Owner’s Dozen
Outstanding Women In Trucking.
Voie has also been featured in and recognized by various
business magazines and trade presses, below are some of
them:
Ÿ 2017, Insight Success Magazine’s “The Most
Inspirational Leaders in Business” and “The 30 Most
Innovative CEOs to Watch”
Ÿ 2018, Beyond Exclamation Magazine’s “Top 10
Shepreneurs through the Glass Ceiling and Beyond”
Ÿ 2019, Aspioneer Magazine’s “2018 Flying High Women
Leaders”.
Many organizations have recognized Ms. Voie for her
accomplishments. In 2014, she was awarded the Frank
W. Babbitt award from the Wisconsin Motor Carriers
Association. This annual recognition is given to an
individual who has demonstrated outstanding service to the
trucking industry and association as a whole. Moreover, she
is also the recipient of the Skinner Humanitarian Award
presented annually to a trucking advocate in her state.
In 2018, Voie was named the “Transportation Person of the
Year” by National Association of Small Trucking
Companies (NASTC).
The Gems of WIT
As Voie and her mission encourage empowerment, each
team member has a specific area of responsibility and is
given the latitude to act decisively with a high level of
authority and accountability. Ellen states that each staff
member has specific duties related to various activities yet
they collaborate and brainstorm to generate new ideas.
Currently, WIT is the global leader in providing the
information, data, and resources required to increase the
numbers of women employed in the trucking industry.
Challenges Occur To Enlighten
Ellen states the most significant challenge faced by the
organization is in addressing the image of professional
drivers. Voie said, “First, women don’t often consider
careers in transportation or supply chain, so the
association needs to show them they are wanted, valued
and capable. Secondly, women are concerned about safety
on the road, so this has been a major focus of the
association.”
By providing the resources, such as self-defense courses
and products to protect professional drivers, the
organization is offering safety tools for drivers. Also, the
security system available in some newer trucks provides a
higher level of safety. Additionally, by working with truck
stops on lighting, security, and parking, the company
focuses on keeping all female as well as male drivers safe
in their work environment.
An Outlook of WIT’s Future
Ellen’s goal for the future at Women In Trucking
Association is for expanding into more countries and to be
the premier resource for information. By sharing best
practices, successes, and challenges around the globe, the
organization is providing valuable information for carriers,
schools and government entities that are interested in
creating opportunities for women in the trucking industry.
She cites the data for the trucking industry in the US,
women comprise less than the eight percent of the driver
population, yet it’s the highest than anywhere else in the
world; from zero in Saudi Arabia and the Philippines to just
under three percent in Canada. The US takes the lead in the
ranks of women in trucking and is witnessed as a leader
also a resource globally.
Testimonial:
“This Lady has been the biggest influence, cheerleader,
mentor, and friend for 17 years! Thank you Ellen Voie you
have not only been my friend and a business colleague, but
you’ve been the instrument to elevate my career as a
Woman in the Trucking Industry!! I deeply humbly Thank
you!! Love ya Girlie”—Ingrid Brown, Professional
Driver and Image Team member
“
“

ZorroSign
Taking Electronic Signature to the Next Level
In 2015, ZorroSign was founded
in order to use one of its co-
founder’s patented electronic
signature technology to create a unified
platform of complete advanced Digital
Transaction Management (DTM)
Solution. The idea was to provide a
highly secure, flexible, seamless, and
robust solution to support end-to-end
flows of document signature
ceremonies for any situation, any
industry, any department – for
signatories located anywhere using
any device.
ZorroSign helps automate electronic
signature related business processes,
workflows, and approvals for any
department, for any type of
organization in any industry. Users can
use ZorroSign anywhere, anytime, and
on any device including using mobile
browser and its native mobile app on
iOS and Android operating systems.
ZorroSign can also be deployed in
Private POD, and Hybrid Cloud and
On-Premise instances.
The Passionate Leader
Mr. Shamsh Hadi is the Co-founder
and CEO of ZorroSign, Inc. Hadi is a
serial entrepreneur and comes from a
Real Estate, Education, Information
Technology, and Hospitality
background, lending his unique
perspective to ZorroSign. He has over
12 years of experience in strategic
investments around the world. Mr.
Hadi holds degrees from Cornell
University and University of Waterloo.
Apart from being an avid scuba diver,
he is also very passionate about the
environment and supports and
participates in various initiatives
around the world that are making real
impact to save the environment and
make the world a better place.
When Privacy is the Utmost Priority
According to the organization, users
are struggling to keep tabs on their
information privacy. For most people
safety and security of their personal
information and documents carries
utmost priority given today’s
environment. However, even if it’s on
top of their list, sometimes they are
unable to ensure security of their
information.
Secondly, the market lacks intimate
knowledge of advanced Digital
Transaction Management and its
potential to deliver a serious value to
any organization. Finally, electronic
signatures are very popular, however,
there are four serious gaps in the
solutions available in the market today.
According to ZorroSign, these gaps are
barriers to adoption of electronic
signature for day-to-day business and
enterprise applications and of high
value financial and legal transactions.
These gaps are:
Ÿ Using an image of a signature
super-imposed on a document
instead of using ZorroSign real
electronic signature (read digital
bits).
Ÿ 3rd party digital security certificates
that expire every two years instead
ZorroSign certificates and
documents don’t expire.
Ÿ Simple process of requesting
eSignatures instead of having a true
Digital Transaction Management
system with support for complex
workflows, templates, and business
process automation.
Ÿ PDF documents that can be
tampered with and electronic
signatures that can be forged
instead of ensuring the sanctity of
electronically signed documents
(both digital and paper copies) with
high level of security.
Catering to Clients’ Needs since
Inception
The ZorroSign journey has been
fantastic. The company has yet to come
across one unhappy user of its solution
as ZorroSign prides itself in enhancing
the solution as quickly as possible to
meet clients’ changing needs. In Q4,
2018 alone the company introduced
more than 34 major enhancements
where a majority of them were
customer requests.
ZorroSign’s initial struggles have been
related to educating users that privacy
and security of their data and
documents should be number one
priority and not speed and ease of use.
2018 had major headline hitting news
where there had been major data
breaches, implementation of GDPR
and evidence of popular software
with
Most

We help our
customers digitize
their paper-based
business transactions
and help them
go paperless.
“
“
systems being abused for financial gains. This has given
ZorroSign a good headwind, because now people are
looking for solutions like ZorroSign instead of going with
the household names that can’t guarantee the safety and
security of their information and important financial and
legal documents.
Early on, ZorroSign witnessed that people often confused
Blockchain with BitCoin, but now they comprehend the
difference. CEO, Shamsh Hadi notes, “I believe over the
last couple of years the world has educated itself more and
understand that Blockchain is much more than just BitCoin
and that cryptocurrency which were the early adopters of
Blockchain is not the only industry where Blockchain can
have incredible security and authenticity advantages.”
Future Roadmap
Armed with the proprietary electronic signature technology
and a forward-thinking mindset about security and privacy,
the ZorroSign founders quickly realized that in the “race to
digital” the electronic signature solutions in the market have
left some major breaches in the solution. ZorroSign always
believed that there are fundamental ways people run their
business, what they call “document signing ceremonies”,
and the company envisions creating a solution that does not
force people to compromise in their core values of how they
run their business.
When it comes to the future, ZorroSign’s customers can
expect more capabilities and functionality in the areas of
Advanced Digital Transaction Management, Workflows
Automation, Business Process Optimization, and advanced
security and privacy. ZorroSign will continue to innovate
and incorporate state of the art technology in the areas of
mobile biometrics, use of Blockchain, Artificial Intelligence
and Machine Learning into its solution.
Shamsh Hadi
Co-founder & CEO
Zorrosign

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