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iPMI Magazine

iPMI Magazine

International Private Medical Insurance Magazine (iPMIM) is the ultimate Health and Medical Insurance Digital Media serving expatriate, corporate, health and travel insurance markets. Due to the nomadic nature of the international healthcare industry iPMI Magazine is an internet based news service, for worldwide healthcare professionals, who need to understand the impacts of healthcare and insurance policy, regulatory, and legislative developments. Combined with in depth health insurance industry analysis, best-in-class health insurance industry data, and exclusive, C-Suite Executive health insurance interviews and round tables, iPMI Magazine bridges an information gap between healthcare payor, provider and patient. Written by the health and medical insurance industry, for the health and medical insurance industry, iPMIM is supported and designed by leading international medical insurance companies and service providers.

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Introducing Think InsurTech

Think Insurtech ( ) is a specialist in PMI and IPMI offering a healthcare SaaS Platform with API connected to CRM SaaS that is completely digital and also compliant with EU regulations. 

Problem – the wave of the future within the insurance industry is to become digital. In order to follow international guidelines (GDPR/IDD/Anti-Money Laundering, KYC) and to increase performance and ROI, it’s necessary to shift toward a digital platform.

One of the challenges brokers, providers and insurers face is to move on non-communicating old monolithic platforms (ERP for example) to SaaS Plug & Play and API’s to communicate with insurer, provider and clients. Think Insurtech is one of the first on the market that offers a turnkey digital solution based on a proven and tested SaaS platform design by a broker for their internal operation. Think Insurtech has made this platform and technology available on a SaaS platform so it’s both affordable and scalable. 


Performance - Collect data including consent, analyse needs, compare PMI & IPMI plan in relation with IDD rules, sending proposals with a personal recommendation and rates regarding insurance needs, and send out all plan information in several minutes.Both new business and renewals. The next step is to engage individual & small group with supplier API to apply online and connected to a CRM environment

Enhanced Customer Engagement - Compare and contrast healthcare plans side by side, in real time, with a visual of premium, benefits and full documentation including IPID & KYC.

Data Security - Full compliance to EU regulations GDPR and IDD (Insurance Distribution Directive) with Data encrypted with a dedicated cloud to manage high sensible data

Operational efficiency - Core to our system is a CRM - tracking, all correspondence, renewals, commissions, KPI's, churn, sales performance, sales forecasts.  

Business Valuation - Digital brokers are valued higher than traditional brokers


How do we work with Think Insurtech SaaS in a digital and connected environment?

Platform - SaaS-API - Think Insurtech

  • CRM System to manage clients Insurer/Broker and business portfolio, KPI’s activities
  • Microsoft AD or G suite Enterprise environment including data encryption connected to a HIPAA Cloud
  • HIPAA Cloud to manage folder High sensitive data (application form, credit card, medical folder etc.) connected to Think Insurtech SaaS (Flow of data) and CRM system compliance with IDD/GDPR
  • Module SaaS with third parties to manage Phone communication, internal messages, marketing automation, invoicing, digital proposal including electronic signature etc.…

Data Process Flow


Costs: Get a free trial and get a quote - Our  prices are transparent - ask for our catalogue for white label licenses per user and deployments for Starter Edition, Pro Edition or Infinite packages.


We can deploy only the Think Insurtech SaaS comparator for individuals and groups in white label which is customized specifically for Brokers. Learn more here: Quickstart-guide-tutorial-individuals

Think Insurtech can also deploy for you a complete environment (CRM/API/HIPAA Cloud etc.) depending on your needs. The benefit of the turnkey system –it’s quicker and less expensive than building in house. Plus it has been fully operational tested and enhanced over several years. The system processes are in place and pre-defined but it can be modified according to Broker’s specific needs as required. With our platform we offer the ability for an insurance broker to host both international and domestic plans that other brokers can access your bespoke platform where you can share a commission.

At Think Insurtech, we have a 360° experience of the business and we work with insurers in consulting and for the implementation of digital processes.

For a live demo, contact our team and ask a quote, click here: Free Trial Demo

Download the Think InsurTech brochure here: Think Insurtech Brochure (download the PDF)

Introducing Roy Medical Assistance

Roy Medical Assistance (RMA) was established in 2016 and its an International TPA and Medical Assistance Company in Asia and has been providing bespoke niche solutions.

Our coverage areas include India, Nepal, China, Thailand, Cambodia, Indonesia, Vietnam, Singapore, Hong Kong, Maldives, Maldives, UAE and Myanmar for Travel Insurance, Health Insurance, motor Insurance and Home Insurance firms since years.

Now we are actively involved and delivering Quality and Affordable Healthcare to people around the world in best possible way. We have an impressive list of clients from all walks of life that put their trust in us to get the job done

Roy Medical Assistance and its strong team believes in delivering the best of the best via its Global Alarm center based in New Delhi, India, along with a large network of partners on a global scale by its staff of 50 multilingual assistance, claims handling and medical specialists including doctors.

Being a reliable, desired and transparent organization, we always function upon new opportunities and inspire others to seek innovative and sustainable solutions to assist clients in every step of the way. Our decisions and actions are made to exceed the needs and expectations of the customers.

Company Address: Suite- 525, 5th floor, JMD Regent Square,
MG Road, Gurugram
Haryana -122001 (New Delhi NCR) India

Help Line Phone: (+91) 98 7187 7260
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.




iPMI Magazine Speaks With Simon Miller, Senior Director of Proposition at Aetna International

iPMI Magazine's CEO, Christopher Knight, speaks with Simon Miller, Senior Director of Customer Proposition at Aetna International.

They deep dive into how COVID-19 has impacted the mental health agenda, what employers can do to ensure a thriving workplace, and how apps and coaching via text can build positive coping mechanisms.

Hi Simon. Can you tell us a bit about how you first got started in health insurance and have you’ve seen it change over time?

I’ve been in product, proposition and innovation roles in health insurance for the past 15 years – the last two with Aetna International having come from a UK domestic PMI provider. It’s been a fascinating journey as product development has moved way beyond treatment benefit limits to answering wider everyday customer health needs. We’ve also seen a big shift in taking a proactive holistic approach to health – emotional, mental and physical – as well as a focus on keeping people healthy rather than intervening when someone becomes sick.

COVID-19 has clearly had a big impact on people’s mental health. What does that mean for employers who want to put in place robust support?

The pandemic has really shone a spotlight on the importance of workplace culture, mental health and well-being. Everyone has mental health, whether it’s poor or flourishing, and people can be at different stages of this complex journey. Our focus often falls on those who are unwell first. However, many people are not at that stage and may never reach it, if supported early enough. So, companies need to look for ways that their employees can approach positive mental fitness in the same way they’d approach physical fitness – prioritising well-being because it helps you achieve a well-balanced lifestyle and positive mindset, not because you’re ill or at risk.

Previously, we’ve seen the cost of well-being driving the agenda, through metrics like lost productivity, absenteeism and presenteeism. But, in my opinion, it’s time for a change in rhetoric. While these are important measures, they tend to focus on the negative and the few in that space that are struggling or at crisis point. Instead, wouldn’t it be exciting to see a shift in focus to measuring the positive impacts of a well-executed well-being strategy across a workforce? One where we hold ourselves to account on more holistic measures like sense of purpose, energy, connectedness, happiness and gratitude? Businesses could then validate the impact of the initiative back to harder measures like staff retention, job satisfaction and even, dare I say, health insurance claims and outcomes. In the future, we might even start to see the positive mental well-being of a workforce featuring in annual reports and influencing share price – a prospective that excites me.

What’s the role of a health insurer in achieving this in your view?

It’s about supporting both the employer and the employees, making sure the employer is aware of what’s available and helping to drive engagement. Sometimes employers aren’t aware of the full range of services available to them – from education and training to toolkits and apps for employees – so the first thing I’d recommend is a conversation with your insurer to make certain you’re tapping into everything your cover offers.

At Aetna International, for example, our focus is on empowering the member. We recognise different well-being needs and preferences, and ensure these feed into straightforward customer journeys that triage and navigate to appropriate onward support. In practice, this could be self-help tools, virtual primary care, other therapeutics via phone or video, or specialist in-person treatment. We’re also seeing apps gaining in popularity. People are familiar with the format, they’re convenient to access when and where needed, and they’re a straightforward point of entry for self-care support.

Where does your recent launch of the Wysa app fit into this?

Wysa is like having a mental well-being buddy in your pocket. It’s an app that uses conversational language to enable people to openly but anonymously share thoughts and feelings in a safe place, via text, on their terms, at any time of the day. The AI-driven chat function is really clever, having been programmed by therapists. It learns from you, so people can reflect on their thoughts and feelings and be guided to appropriate next steps, from self-help resources to coaching with a professional.


It's a great example of how digital tech can effectively bridge a spectrum of need and build positive coping mechanisms – not everybody is ready to speak to a stranger or commit to a structured counselling programme. It’s secure, confidential and solves the practical issue of having private conversations when private space may be hard to come by. So it’s a very accessible front door to enhance everyday positive emotional and mental health, and we see it as a key tool to support early engagement.

Does Aetna provide this approach to their own staff?

Yes, I’m pleased to say we’ve made sure we are walking the walk with our own staff. We’ve taken note of findings from our recent report, The Digital Health Dilemma, which highlighted how tech can be a double-edged sword when it comes to well-being, and looked to both digital and non-digital solutions for our employees.

For example, in terms of using tech solutions, we made sure everyone could access our virtual primary health care service, vHealth, so that they could talk to a GP without having to visit one physically. We also provided Wysa, which quickly became an invaluable tool for employees to deal with everyday anxieties associated with change, uncertainty, and the personal challenges associated with working and schooling from home.

To improve social connectedness, we’ve undertaken a very successful webinar series called ‘Let’s Get talking’, involving bi-weekly remote get-together sessions across our regions to pause, reflect, connect and share. These have been facilitated by our partner Rob Stephenson, a mental health campaigner and founder of Form. This is a simple but effective tool we’ve used to ask ourselves ‘How are you today?’ and get a regular temperature check across our teams. We’ve all taken a lot of inspiration and learning from Rob, from each other and from our guest speakers who’ve shared their personal mental wellbeing challenges – from CEOs to Olympic athletes.

In addition, we’ve recognised the need to provide further mental health training for managers, to equip them with the skills and confidence to have insightful, empathetic conversations with their teams. We want to be sure they can spot the early signals of distress and, if appropriate, navigate their staff to the right resources and support available to them.

What signs have you seen that show how COVID-19 has impacted mental health?

We’ve seen significantly increased demand for our services. Our Employee Assistance Programme, for example, has seen a huge increase in calls – a lot of which have been for ‘in-the-moment’ and crisis support. Concerns about job security, finances and the health of loved ones have been very high on the agenda. In fact, I think it has brought to the fore the need to support our members in looking after others – particularly if people are living overseas and away from social support networks amidst the restrictions.

We’ve also seen a significant increase in the utilisation of vHealth, which has been there not only to support access to primary care for those with or without symptoms, but also for those needing mental health support or requiring diagnosis, medication and onward specialist referrals. And we’ve seen much higher engagement in our health and well-being content and member offers such as the partner apps we promote to support self-care for Mind and Body.

Some of this might be due to need or limitations in access to existing physical support services. But I think some of it is also because people have had a bit more time to prioritise their health and explore what they have available to them. If there is a silver lining to the pandemic, it might just be that we’ve seen the start of a tipping point to people giving their holistic health the importance it deserves.


Insufficient Capacity Dampens Air Cargo In August 2020

Data for global air freight markets in August showing that improvement remains slow amid insufficient capacity.

Demand moved slightly in a positive direction month-on-month; however, levels remain depressed compared to 2019. Improvement continues at a slower pace than some of the traditional leading indicators would suggest. This is due to the capacity constraint from the loss of available belly cargo space as passenger aircraft remain parked.  

  • Global demand, measured in cargo tonne-kilometers (CTKs*), was 12.6% below previous-year levels in August (-14% for international operations). That is a modest improvement from the 14.4% year-on-year drop recorded in July. Seasonally-adjusted demand grew by 1.1% month-on-month in August.
  • Global capacity, measured in available cargo tonne-kilometers (ACTKs), shrank by 29.4% in August (‑31.6% for international operations) compared to the previous year. This is basically unchanged from the 31.8% year-on-year drop in July.
  • Belly capacity for international air cargo was 67% below the levels of August 2019 owing to the withdrawal of passenger services amid the COVID-19 pandemic. This was partially offset by a 28.1% increase in dedicated freighter capacity. Daily widebody freighter utilization is close to 11 hours per day, the highest levels since these figures have been tracked in 2012.
  • Economic activity continued to recover in August reflected, among other things, in the performance of the Purchasing Managers’ Index (PMI) indicator of economic health in the manufacturing sector:
  • The new export orders component of the manufacturing PMI rose by 5.1% year-on-year, its best performance since late 2017.
  • The PMI tracking global manufacturing output increased month-on-month and remained above the 50-mark, indicating growth.

“Air cargo demand improved by 1.8 percentage points in August compared to July. That’s still down 12.6% on previous year levels and well below the 5.1% improvement in the manufacturing PMI. Improvement is being stalled by capacity constraints as large parts of the passenger fleet, which normally carries 50% of all cargo, remain grounded. The peak season for air cargo will start in the coming weeks, but with severe capacity constraints shippers may look to alternatives such as ocean and rail to keep the global economy moving,” said Alexandre de Juniac, IATA's Director General and CEO.

Asia Pacific
Latin America
Middle East
North America

August Regional Performance

Asia-Pacific airlines saw demand for international air cargo fall 18.3% in August 2020 compared to the same period a year earlier. After a robust initial recovery in May, month-on-month growth in seasonally-adjusted demand declined for the second consecutive month. International capacity is particularly constrained in the region, down 35%.

North American carriers reported that demand fell 4% compared to the previous year—the third consecutive month with a single-digit decline. This steady performance is due in part to strong domestic and transpacific demand on the Asia-North America route, reflecting e-commerce demand for products manufactured in Asia. International capacity decreased 28.2%.

European carriers reported a decrease in demand of 19.3% compared to the previous year. Improvements have been slight but consistent since April’s performance of -33%. Demand on most key trade lanes to / from the region remained weak. The large Europe–Asia market was down 18.6% year-on-year in August. International capacity decreased 33.5%.

Middle Eastern carriers reported a decline of 6.8% in year-on-year international cargo volumes in August, a significant improvement from the 15.1% fall in July. Regional airlines have aggressively added capacity in the last few months with international capacity improving from a 42% fall at the trough in April, to a decline of 24.2% in August, the most resilient of all regions. Demand on trade routes to and from Asia and North America remained strong with demand down 3.3% and up 2.3% respectively year-on-year.

Latin American carriers reported demand steady at -26.1% compared to the previous year, ending three consecutive months of deteriorating demand. Demand on trade routes between Latin America (particularly Central America) and North America have compensated for weakness on other routes. Capacity remains significantly constrained in the region with international capacity decreasing 38.5% in August, the largest fall of any region. 

African airlines saw demand increase by 1% in August. This was the fourth consecutive month in which the region posted the strongest increase in international demand and only instance of year-on-year growth among all regions in international volumes. Investment flows along the Africa-Asia route continue to drive the regional outcomes.

Traffic Forecast Downgrade After Dismal Summer

The International Air Transport Association (IATA) downgraded its traffic forecast for 2020 to reflect a weaker-than-expected recovery, as evidenced by a dismal end to the summer travel season in the Northern Hemisphere.

IATA now expects full-year 2020 traffic to be down 66% compared to 2019. The previous estimate was for a 63% decline.  

August passenger demand continued to be hugely depressed against normal levels, with revenue passenger kilometers (RPKs) down 75.3% compared to August 2019. This was only slightly improved compared to the 79.5% annual contraction in July. Domestic markets continued to outperform international markets in terms of recovery, although most remained substantially down on a year ago. August capacity (available seat kilometers or ASKs) was down 63.8% compared to a year ago, and load factor plunged 27.2 points to an all-time low for August of 58.5%.

Based on flight data, the recovery in air passenger services was brought to a halt in mid-August by a return of government restrictions in the face of new COVID-19 outbreaks in a number of key markets. Forward bookings for air travel in the fourth quarter show that the recovery since the April low point will continue to falter. Whereas the decline in year-on-year growth of global RPKs was expected to have moderated to -55% by December, a much slower improvement is now expected with the month of December forecast to be down 68% on a year ago.

“August’s disastrous traffic performance puts a cap on the industry’s worst-ever summer season. International demand recovery is virtually non-existent and domestic markets in Australia and Japan actually regressed in the face of new outbreaks and travel restrictions. A few months ago, we thought that a full-year fall in demand of -63% compared to 2019 was as bad as it could get. With the dismal peak summer travel period behind us, we have revised our expectations downward to -66%,” said Alexandre de Juniac, IATA’s Director General and CEO.

Total Market
Asia Pacific
Latin America
Middle East
North America

International Passenger Markets

August international passenger demand plummeted 88.3% compared to August 2019, mildly improved over the 91.8% decline recorded in July. Capacity sagged 79.5%, and load factor fell 37.0 percentage points to 48.7%.

Asia-Pacific airlines’ August traffic sank 95.9% compared to the year-ago period, barely budged from a 96.2% drop in July, and the steepest contraction among regions. Capacity dived 90.4% and load factor shrank 48.0 percentage points to 34.8%.

European carriers’ August demand plunged 79.9% compared to last year, improved from an 87.0% drop in July, as travel restrictions were lifted in the Schengen Area. However, more recent flight data suggests this trend has reversed amid a return to lockdown and quarantine in some markets. Capacity fell 68.7% and load factor dropped by 32.1 percentage points to 57.1%, which was the highest among regions.

Middle Eastern airlines had a 92.3% fall in demand for August, compared with a 93.3% decline in July. Capacity collapsed 81.9%, and load factor sank 47.1 percentage points to 35.3%.

North American carriers’ traffic tumbled 92.4% in August, little changed compared to 94.4% decline in July. Capacity fell 82.6%, and load factor plunged 49.9 percentage points to 38.5%.

Latin American airlines had a 93.4% demand drop in August compared to the same month last year, versus a 94.9% drop in July. Capacity crumbled 90.1% and load factor dropped 27.8 percentage points to 56.1%, second highest among the regions.

African airlines’ traffic sank 90.1% in August, slightly improved over a 94.6% decline in July. Capacity contracted 78.4%, and load factor fell 41.0 percentage points to 34.6%, which was the lowest among regions.

Domestic Passenger Markets

Domestic traffic fell 50.9% in August. This was a mild improvement compared to a 56.9% decline in July. Domestic capacity fell 34.5% and load factor dropped 21.5 percentage points to 64.2%.

Dom. Australia
Dom. Brazil
Dom. China P.R.
Dom. India
Dom. Japan
Dom. Russian Fed.
Dom. US

US carriers’ August traffic was down 69.3% compared to August 2019, only a slight improvement compared to July, when traffic fell 71.5%. An increase in outbreaks and quarantines in key domestic markets contributed to the disappointing result.

Russian airlines saw their domestic traffic rise 3.8% compared to August 2019, the first market to see an annual increase since the onset of the pandemic. Falling fares along with a boom in domestic tourism were among the main contributors to the positive swing.

The Bottom Line:

“Traditionally, cash generated during the busy summer season in the Northern Hemisphere provides airlines with a cushion during the lean autumn and winter seasons. This year, airlines have no such protection. Absent additional government relief measures and a reopening of borders, hundreds of thousands of airline jobs will disappear. But it is not just airlines and airline jobs at risk. Globally tens of millions of jobs depend on aviation. If borders don’t reopen the livelihoods of these people will be at grave risk. We need an internationally agreed regime of pre-departure COVID-19 testing to give governments the confidence to reopen borders, and passengers the confidence to travel by air again,” said de Juniac.

Bupa announces Group CFO Joy Linton Will Be Leaving In 2021; Martin Potkins Becomes Interim Group CFO from 1 December 2020

Bupa has announced that Joy Linton, Bupa’s Group Chief Financial Officer (CFO), will be leaving Bupa in 2021 to take a major new appointment in Australia.

Martin Potkins, Bupa’s Corporate Development Director, becomes Interim Group CFO from 1 December 2020 while the search for a permanent successor takes place. Joy and Martin will work together over the period ensuring a smooth transition.

Joy has been Bupa’s Group CFO since 2016. She joined Bupa in 2011 and was Finance and Commercial Director of the Australia and New Zealand Market Unit until she moved to London in 2015. She is returning to Australia to take up the role of CFO at CSL Limited, a global biotechnology company and Australia’s largest quoted company by market capitalisation.

Martin’s appointment is subject to regulatory approval. He is currently Bupa’s Corporate Development Director and Chairman of Bupa Global’s international private medical insurance company based in the Republic of Ireland. He was Bupa’s Corporate Controller from 2015 to 2019. Martin has substantial financial experience having previously held senior roles at Resolution, Friends Life, Prudential and Aviva.

Evelyn Bourke, Group CEO said: “We all wish Joy every success in her new role at CSL. I know she and her family are delighted to be returning home to Australia. I want to recognise her significant contribution over nearly ten years at Bupa, including five years as Group CFO. She’s been an excellent CFO and Board member, and has been key to Bupa’s continued financial strength, including through COVID-19.

“Having previously been Bupa’s Corporate Controller, Martin knows us extremely well. He also brings substantial external experience and finance expertise. I know Joy and Martin will ensure a safe and seamless handover over the coming months.”

Joy Linton, Group CFO said: "I’ve loved my decade at Bupa and it’s been a tremendous privilege to serve as Group CFO. However, my family and I are pleased to be able to return to Australia and I’m looking forward to joining the CSL team next year. In the meantime, I’m fully focused on my role at Bupa, and on ensuring a smooth transition.”

AXA Future Risks Report 2020: The Covid-19 Pandemic Eclipses Climate Risk

AXA today publishes the seventh edition of its Future Risks Report.

This global study measures and ranks changes in the perception of emerging risks by a panel of risk management experts and the general public. Over 20,000 people were interviewed. Conducted in partnership with research institute IPSOS and geopolitical analysis consultancy Eurasia Group, this year’s ranking of the 10 main emerging risks is marked by the Covid-19 crisis.

Previously underestimated risks related to pandemics and infectious diseases rise from eighth in 2019 to top the 2020 ranking. Climate change-related risk comes in second, dropping from the top spot it has held for years. Climate change remains the number one risk in Europe but falls to third place in Asia and America. The drop is particularly marked in North America, where the share of experts who consider this risk major has fallen from 71% in 2019 to 46% in 2020.

Cybersecurity risk, ranked third, increases in prominence this year with the new and widespread adoption of technology and the explosion of cyberattacks during lockdown. In particular, the perception of cyber warfare risk has increased; it is seen as the main security threat by 47% of experts compared to 37% last year. The risk of shutdown of essential services and critical infrastructure following a cyberattack has also increased (+7 points to 51%).

Geopolitical risks occupy fourth place, with a significant increase in the risk of digital warfare between nations, which experts consider to be the top new security threat. Finally, the risk of social unrest placed fifth.

THOMAS BUBERL, CHIEF EXECUTIVE OFFICER OF AXA comments, "Understanding and anticipating risks is at the heart of the insurance business. AXA's Future Risks Report is an essential tool to inform and prepare us for major risk trends impacting our society.

This seventh edition is of course marked by the exceptional context of the Covid-19 pandemic. It highlights health as a major issue, which we consider a positive shift, as we have considered it underestimated for years. However, this must not affect the fight against climate change, which remains the most significant and pressing challenge of our time. In line with last year, this year's edition highlights the growing interconnection of risks, calling for collective and concerted solutions to strengthen the resilience of our economies and societies."

The 2020 edition of the Future Risks Report is available on the AXA website at:


Aetna International Appoints Martyn Swann As New SME Sales Director

Martyn Swann has been appointed Sales Director for SME UK and Europe at Aetna International.

He will be responsible for driving growth and retention in the SME sector as Aetna International continues to expand into new markets.

Martyn joined Aetna International in 2018 and brings 20 years of experience across a range of roles within the UK and international health care markets to his new role. He successfully managed the migration of the Aviva International portfolio when they exited the IPMI market, and has been instrumental in driving product and proposition development into new territories.

Martyn reports to Damian Lenihan, Executive Director Operations and Distribution Europe, who comments, “Martyn has been an integral part of the team over the past two years and I’m delighted to welcome him to his new role. With so many innovative plans in motion, Martyn’s proven track record, experience and skills are just what we need to drive forward our SME proposition in Europe. His appointment cements the strength of our sales leadership support, and positions us well for continued growth in our markets.”

Martyn will head up an expanded SME team, and start his new role with immediate effect. He is currently reconnecting with key contacts and intermediaries in the iPMI market so, to find out more about his proposed SME growth strategy, please connect with him directly via LinkedIn


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