Fiserv layoff 2019

The WARN Act requires employers with 100 or more full-time employees (not counting workers who have fewer than 6 months on the job) to provide at least 60 calendar days advance written notice of a worksite closing affecting 50 or more employees, or a mass layoff affecting at least 50 employees and 1/3 of the worksite's total workforce or 500 or more employees at the single site of employment ...

All-stock consideration, creating a global leader in financial and payments technology. First Data's shareholders will receive 0.303 new Fiserv shares for each First Data share (equivalent to $22.74 per share)1. Pro forma ownership: 57.5% Fiserv shareholders / 42.5% First Data shareholders2. $22 billion implied equity value for First Data ... Apr 9, 2024. Fiserv to Release First Quarter Earnings Results on April 23, 2024. MILWAUKEE -- (BUSINESS WIRE)--Apr. 9, 2024-- Fiserv, Inc. (NYSE: FI), a leading global provider of payments and financial services technology solutions, will announce its first quarter financial results before the market opens on Tuesday, April 23, 2024 . General. "Fiserv's global headcount dropped about 7% last year as the company cut 3,000 employees, on a net basis, and shed business units as it strived to bolster profitability. The payments and financial technology company had about 41,000 employees worldwide as of the end of last year, according to its annual report filed last week with the ...Fiserv (Jan. 4, 2024) The Worker Adjustment and Retraining Notification (WARN) Act requires employers with 100 or more employees to provide 60 calendar-day advance notification of planned closings and mass layoffs of employees. Find the lists of companies who have issued WARN notices.Third Quarter 2020 GAAP Results. On a GAAP basis, the financial results of First Data Corporation ("First Data") are included in the consolidated results of Fiserv from July 29, 2019, the date of acquisition. GAAP revenue for the company increased 21% to $3.79 billion in the third quarter, with 44% growth in the Acceptance segment, 1% decline ...Post ID: @dums+1r4EmEf0. Bank Solutions is a legacy name, all of Fiserv's AP Cores sit in the CAPS business org. One of the strategic objectives is to reduce our number of Cores. We have over 16 and the short/medium term solution is to drop that down to 5. For example, all Credit Unions on legacy platforms will be pushed to Portico or DNA CU.Reminds me of those business leaders who are on the cover of Forbes and then a year later they are in prison. This announcement gives me those kinds of vibes.

On July 29, 2019, Fiserv, Inc. ("Fiserv" or the "Company") completed the acquisition of First Data Corporation ("First Data") in an all-stock transaction. First Data's results of operations and financial position will be included in the consolidated results of the Company from and after the date of acquisition. Supplemental Financial InformationThe Layoff discussion - User says: ``…this can’t be right'' regarding Fiserv Inc. ... I am a former Fiserv employee, I left about 2 years ago. I have relocated 2 times due to my wife's job. ... Stupidly moved to NY in 2019 for family and grandkiddies and it was a financial nightmare. I left Alpharetta for this one too. After 18 months of ...Manager said there isn't enough work to justify me. Someone with a law degree that specializes in labor and state subsidies needs to look into these business practices. They hired a ton of people in Nebraska and New Jersey to get tax breaks and are now trying to drive people out presumably to offset them. Crooked.In my meeting when I was asked to move to NJ, I asked if I stayed remote (some were allowed) did I have any future for promotions or other jobs within the company. I was told "highly unlikely". Unless you work in one of the 6 COEs, you have no future at Fiserv.Post ID: @ptx+1jpaTeoE. Teddy - how about this -. Original Fiserv growth rate was 3-4% at best, on $4.5B in revenue. Today's Fiserv is growing at an industry leading 11%, on $16.5B in sales. Fiserv ranked #6 on the American Opportunity Index which is a real view of how well a company supports its employees.Payments processing firm Fiserv, meanwhile, made yet another round of employee cuts recently as it looks to navigate economic pressures. The financial sector has announced 14,832 job cuts so far in 2022, an 81% jump from the number of layoffs announced the year prior through September 2021, according to Challenger's report.

Yeah, it is a little more complex than that folks. Aon outsourced, disaster. Abbott Laboratories outsourced - disaster. NYC Roosevelt Hospital was a nightmare. If you expect anything good from your system (and they are what we all work on every day), LMAO --- ain't gonna happen. So not surprised about Fiserv anymore.You can tell them to contact the Men's Referral Service on 1300 766 491 or visit www.ntv.org.au — a national counselling, information and referral service to help …Full year 2019 GAAP revenue for the company increased 75% to $10.19 billion compared to the prior year, with $4.08 billion from the First Data segment, 8% growth in the Payments segment and 1% growth in the Financial segment. GAAP earnings per share was $0.36 in the fourth quarter of 2019 and $1.71 for the full year, decreasing 49% and 40% ...The Layoff discussion - User says: ``FI = $114'' regarding Fiserv Inc. TheLayoff.com Latest Posts ... Share Post Embed Post . FI = $114. Frank, you are used to $22 stock ( pre Fiserv). I will get you there with my 2 hrs a day productivity performance!!! September 27 by Anonymous | 843 views | | 5 replies (last September 30 ) Post ID: @OP+ ...

Jc chasez meow mix commercial.

GET - OUT. I left Fiserv earlier this year and couldn't be happier! I got a big pay increase for a hybrid role with an amazing culture, so it's crazy to look back and realize that Fiserv employees are still coming into the office and being chained to their desks for 32 hours a week! Reading over some of these posts, it's said to see that some ... Fiserv Inc. Layoffs: Downsizing related discussion, postings, questions and answers. The WARN Act requires employers with 100 or more full-time employees (not counting workers who have fewer than 6 months on the job) to provide at least 60 calendar days advance written notice of a worksite closing affecting 50 or more employees, or a mass layoff affecting at least 50 employees and 1/3 of the worksite's total workforce or 500 or more employees at the single site of employment ...Show More Insights. Fiserv has an employee rating of 3.0 out of 5 stars, based on 8,851 company reviews on Glassdoor which indicates that most employees have an average working experience there. The Fiserv employee rating is in line with the average (within 1 standard deviation) for employers within the Financial Services industry (3.7 stars).The Layoff discussion - User says: ``Draw your own conclusions'' regarding Fiserv Inc.Life at Fiserv. Learn more about the culture and people behind the commerce and financial services experiences that move our world. Financial institutions, banks and fintechs in India have been partnering with Fiserv to provide fast, secure and innovative payment technology.

Fiserv has been laying off all of its remote staff. In some instances, asking them to report to an office in 24 hours that they have never been to no matter how far. If they refused to report to the office, they were let go. This is a problem for many families as it’s fall break for many so school is out. There are also those that keep their ...All-stock consideration, creating a global leader in financial and payments technology. First Data’s shareholders will receive 0.303 new Fiserv shares for each First Data share (equivalent to $22.74 per share)1. Pro forma ownership: 57.5% Fiserv shareholders / 42.5% First Data shareholders2. $22 billion implied equity value for First …First Data got away with this model because Fiserv picked them up for pennies on the dollar off the scrap heap. I doubt there is anyone big enough to buy Fiserv out now. They'll end up selling off BU's to stay afloat, and eventually may still even fail despite doing that. It's a 100% pure unadulterated shitshow.Special. By Teddy Nykiel – Reporter, Milwaukee Business Journal. Nov 5, 2021. As financial technology firm Fiserv Inc. consolidates its U.S. offices, employees at …Reviews from Fiserv employees about Fiserv culture, salaries, benefits, work-life balance, management, job security, and more."In 2019, the annual total compensation of Frank J. Bisignano was $40,263,383. The annual total compensation of the median employee at Fiserv was $65,254. The ratio of Frank J. Bisignano[[[APOS]]]s pay to the pay of median employee was therefore 617 to 1.Great Southern Bank. The first time in the history of EDO, a large bank told us to F off! Program put on hold and were told to close the books: Not sure why this cr-p didn't hit Wall Street. Lawyers involved. Too many new associates with no time to learn the products. EDO reports to a brown-noser.I'm not sure if people doing this just don't realize how underpaid Fiserv people are? If you leave and get a job that pays 20%+ more than you make now, you gain that severance money in additional salary. And 20% is a low bar. Most places will bump your pay more than that. Don't do these b-ms any favors! Prioritize yourself and get out.Daily Job Cuts - Full updated list of Who's Hiring , Jobs, Layoffs 2024, 2023, Layoff , Business and Economic News ` Support Your Local Small Businesses: Business | Economy | Job News: UPS, FedEx fuel surcharge hike to heat up delivery prices. MDOT says rebuilding the Francis Scott Key bridge will cost nearly $1.9 Billion ...On January 16, 2019, Fiserv announced that it had entered into a definitive merger agreement to acquire First Data Corporation in an all-stock transaction for an equity value of approximately $22 billion as of the announcement. The transaction is expected to close during the second half of 2019 subject to customary closing conditions and ...Need help finding the best solution for your business? Get in touch. Who We Serve; Insights; Resource Center; About; NewsroomThe Layoff discussion - User says: ``Epic failure'' regarding Fiserv Inc. ... Thread regarding Fiserv Inc. layoffs. Share Post Embed Post . Epic failure. A senior member of the mgmt team for a BU told JGibbons that he can't execute the mandate of the 60 days separation for the folks with a NO to relocation, he listed his facts and warned ...

Titanic in the making. EDO leaders leaving as fast they are able to do under the "retirement" clause to protect their benefits. I know at least 3 VPs. I applaud them, very smart. Malcolm is too leaving. I also learned 5 of my long term coworkers have resigned. It is slowly reflecting in the stock and looks like someone with ED.

Nov 27, 2023 · Since 2019 Fiserv has increased VAS penetration by 2.7x, in the quarter penetration reached 17%, and the company remains on track to reach 27% penetration by 2026. The company has plenty of growth ... Show More Insights. Fiserv has an employee rating of 3.0 out of 5 stars, based on 8,851 company reviews on Glassdoor which indicates that most employees have an average working experience there. The Fiserv employee rating is in line with the average (within 1 standard deviation) for employers within the Financial Services …I am reaching out about a Data Analyst role with Fiserv DNA core implementation experience. This role is 100% remote and is a 12 month contract opportunity. Considering this is Fiserv and Fiserv is a reactionary company, they would lay the disabled person off. Then re-hire them after Fiserv gets sued.Current Employee, more than 5 years. Recommend. CEO Approval. Business Outlook. Pay is decent, great team mates. Cons. New CEO is ravaging the company from inside out. Layoffs, frozen job postings, and revoking all WFH privileges. 329.Current Employee, more than 5 years. Recommend. CEO Approval. Business Outlook. Pay is decent, great team mates. Cons. New CEO is ravaging the company from inside out. Layoffs, frozen job postings, and revoking all WFH privileges. 329.Thinking of switching to Fiserv. Currently working at FIS, but it has gone downhill for a while, so I am thinking about switching to Fiserv because results seem better from the outside in. The discourse here is incredibly bad though, so I wanted to ask if any of you have worked at direct competitors and can tell me what has been worse at Fiserv ...Yes. No. Report. Share. 1.0. Not a great place to work. It all starts from the top, Frank Bisignano is not a nice person. He is a bully and everone in the company knows it. Vice President, Commission Administration / Third Party Payments (Former Employee) - Melville, NY - April 8, 2023.What happened. Shares of payment processor Fiserv ( FI -1.07%) plunged on Wednesday, following news of the loss of a large customer. The stock was down 13.1% at the lows of the day, but as of 2:14 ...Life at Fiserv. Learn more about the culture and people behind the commerce and financial services experiences that move our world. Financial institutions, banks and fintechs in India have been partnering with Fiserv to provide fast, …2024. Layoff Notices and Updates Filed with DWD. In certain circumstances, federal and/or state law requires businesses laying off workers employed in Wisconsin to provide the State's Department of Workforce Development (DWD) with advance written notice of the layoffs. More information about the federal and state notice laws.

Hair 2 heart musuma hair salon.

La pine police activity.

On January 16, 2019, Fiserv announced that it had entered into a definitive merger agreement to acquire First Data Corporation in an all-stock transaction for an equity value of approximately $22 billion as of the announcement. The transaction is expected to close during the second half of 2019 subject to customary closing conditions and ...Reminds me of those business leaders who are on the cover of Forbes and then a year later they are in prison. This announcement gives me those kinds of vibes.Fiserv's margins pre-First Data merger were in the high 20s to low 30s, but since the merger, they have hovered around: 2019 - 15.65%. 2020 - 12.66%. 2021 - 14.54%. Much of Fiserv's margin ...As we turn the page toward a new decade, let's look back at 25 companies that laid off workers in 2019. Image source: Getty Images. 1. Ford. The only pedal put to the metal in the auto industry in ...Reduce expenses by 20% for $100M bonus payout. He is in his early sixties and $100M in the bank , Fiserv and you are simply cockroaches between him and his payout. Think smart, you must act as a group, not individually to stop this ruthless S-B!Current Employee, more than 5 years. Recommend. CEO Approval. Business Outlook. Pay is decent, great team mates. Cons. New CEO is ravaging the company from inside out. Layoffs, frozen job postings, and revoking all WFH privileges. 329.Reviews from Fiserv employees about Fiserv culture, salaries, benefits, work-life balance ... data merchant card fd credit processing layoff department ... Business Consultant (Former Employee) - Cleveland, OH - September 7, 2019. Indeed Featured review The most useful review selected by Indeed. Many, many hours to do the job, build your ...Sapience. I told my boss when I am in meetings I don't click on the stupid screen, I am listening, speaking or taking notes, but for some reason not getting credits. His response was straight to the point: "I don't have time or energy to look at another stupid report from Frank, I know my team well, don't worry, you are good". ….

The deal, which was first reported by the industry publication Payments Dive, comes as Fiserv (Nasdaq: FISV) "has conducted repeated layoffs," according to ICI Consulting, a financial institution ...Fiserv was very family oriented great company to work for. Client Technical Support Representative (Former Employee) - King of Prussia, PA - February 25, 2020. Family environment, very professional and client focused. Enjoyed working there very upset department was laid-off due to platform shutdown.Fiserv Inc. Layoffs: Downsizing related discussion, postings, questions and answers.The Layoff discussion - User says: ``Nov 30 - Another round of Layoffs'' regarding Fiserv Inc. ... Thread regarding Fiserv Inc. layoffs. Share Post Embed Post . Nov 30 - Another round of Layoffs. Supposedly much smaller November 15, 2022 by Anonymous | 3098 views | | 15 replies (last November 17, 2022) Post ID: @OP+1jIVL33a ...The Layoff discussion - User says: ... I didn't get a bonus in 2019 2020 or 2021. Didn't wait to see if 2022 would be different. Went somewhere else where I'm appreciated, work IT remotely, have received quarterly bonuses and recently my annual bonus. ... Yes and Fiserv was only a very small number of companies to pay bonuses in 2020 when ...Glassdoor reviews. It is really crazy to see how many "reviews" are constantly left on glassdoor for fiserv. Everytime theres a review that I would classify as sounding like it was from someone who actually works here (ie negative reviews) it immediately is buried by a dozen 3-4 star reviews that basically say nothing.They could have just focused on giving employees basic tools to do their jobs. Seriously, as poorly managed Fiserv is, we still just want to take pride in our individual work and responsibilities, but can't even achieve that. Can't wait till Jan 1 when companies start hiring again. December 13 by Anonymous.That’s your reward. Corporate secret… they truly would like to skip any increase no matter how small…the corporate push is more productivity! “We’re not laying off like other companies “ (bs)…but do work an hour or more longer each day to increase productivity. This is one of the most tone deaf posts I’ve seen.Fiserv Inc. and a subsidiary won a bid to halt a former employee's court case alleging age and disability discrimination after a federal judge said an arbitrator must decide where the claims belong. The worker's arbitration agreement with the financial services technology company includes a clause that delegates disputes over whether something belongs in arbitration to an arbitrator, not a ... Fiserv layoff 2019, Fiserv, Inc. (FISV) Q2 2019 Earnings Conference Call July 25, 2019 5:00 PM ETCompany ParticipantsTiffany Willis - Vice President, Investor RelationsJeffery..., 1. Represents the financial results of First Data prior to the date of acquisition. For the year ended December 31, 2019, this includes the results of First Data from January 1, 2019 through July 28, 2019.. 2. Represents the elimination of intercompany revenue and expense between First Data and the company.. 3. Represents an adjustment primarily related to …, The Layoff discussion - User says: ``FISV and AI'' regarding Fiserv Inc. TheLayoff.com Latest Posts ... wasn't user friendly. At the time didn't have mobile app. It would have been a great product back in 2005. Fiserv is not a technology company, it's basically a sales and marketing company with no real product. Fiserv needs to be sold to ..., There was a big layoff in 2019 and it seems now this company has a hire and fire policy. Read More. Senior Analyst in Gurgaon / Gurugram . ... Fiserv Data Analysis Analyst salary in India ranges between ₹10.8 Lakhs to ₹13.2 Lakhs. This is an estimate based on latest salaries received from employees of Fiserv., Fiserv paid the FD fine. First Data Merchant Services, a business unit that Brookfield-based Fiserv Inc. acquired in 2019, has agreed to pay the Federal Trade Commission $40.2 million to settle accusations it assisted in laundering credit card transactions as part of scams targeting consumers. "Follow the money., Yes as a non director employee who is not in sales I am telling you you’re wrong based on my own experiences in 2023. I don't know if this is true or not but at legacy Fiserv bonuses depended quite a bit on the business unit you were in. I spent time in three different BU's. Some didn't even give every Director a bonus., Post ID: @1nmi+1q9jqt51. You forgot a couple of words. "People that leave regret it that they didn't do it sooner." That is the correct statement. I encourage you to sign up for my class, Lions Not Sheep, which is exclusively being offered ONLINE (because it's 2023 and technology and stuff). December 19 by Anonymous., They know it's a very small percentage of people that will move, if any, from the previous site closures and the severance packages are getting smaller. The job market is completely saturated with Fiserv employees and it's a huge benefit to their competitors. Especially now that our workload is increasing due to clients bailing on Fiserv., Fiserv, Inc. (/ f aɪ ˈ s ɜːr v / fy-SURV) is an American multinational company headquartered in Milwaukee, Wisconsin, that provides financial technology and services to clients across the financial services sector, including banks, thrifts, credit unions, securities broker dealers, mortgage, insurance, leasing and finance companies, and retailers. In October 2015, Fiserv, Inc. was ranked ..., "Most if all the good managers have left Fiserv for better opportunities" Ding ding ding. Tell him what's he's won Bob! My manager was awesome. Had been with the company 30+ years. Got tired of constantly being told he couldn't reward his staff when it was more than earned. Left for a better opportunity. Many followed suit and left after he did., For the year ended December 31, 2019, this includes the results of First Data from January 1, 2019 through July 28, 2019. Fiserv, Inc. Full Year Forward-Looking Non-GAAP Financial Measures, Khris Middleton will draw the defensive assignment on Leonard. The Bucks know they won’t be able to totally stop Leonard, but they’re hoping to make things tough …, The Layoff discussion - User says: ``Top 3!!!!'' regarding Fiserv Inc. TheLayoff ... Thread regarding Fiserv Inc. layoffs. Share Post Embed Post . Top 3!!!! Our ceo was just named a top 3 fintech leader. And the stock is surging. Bright days ahead !!!! December 1 by Anonymous | 1949 views | | 21 replies (last December 8) Post ID: @OP+ ..., Reduce expenses by 20% for $100M bonus payout. He is in his early sixties and $100M in the bank , Fiserv and you are simply cockroaches between him and his payout. Think smart, you must act as a group, not individually to stop this ruthless S-B!, Fiserv employs more than 40,000 worldwide and generated more than $10 billion in revenue in 2019. Fiserv rose 177 places to No. 311 on this year's Fortune 500, which reflects the company's $22 ..., The Layoff discussion - User says: ... names like Meta, Alphabet, Toast, etc., expect something like that one day. Maybe Data. Or even Frank. And for old Fiserv folks understand that it was always a First Data takeover even though the money was flip-flopped. ... I just grabbed 2019 filing. October 1, 2022 by Anonymous | Post ID: @swu+1iZpfl9c ..., Feb 8, 2024 · It is this type of failure by our marketing team that cannot be forgiven. "March forth on March 4th" was right there. February 8 by Anonymous. | no reactions. Post ID: @1bcb+1qYekjw8. @1kpt+1qYekjw8. , Titanic in the making. EDO leaders leaving as fast they are able to do under the "retirement" clause to protect their benefits. I know at least 3 VPs. I applaud them, very smart. Malcolm is too leaving. I also learned 5 of my long term coworkers have resigned. It is slowly reflecting in the stock and looks like someone with ED., The Layoff discussion - User says: ... I didn't get a bonus in 2019 2020 or 2021. Didn't wait to see if 2022 would be different. Went somewhere else where I'm appreciated, work IT remotely, have received quarterly bonuses and recently my annual bonus. ... Yes and Fiserv was only a very small number of companies to pay bonuses in 2020 when ..., Fiserv isn't going anywhere, but let's play that out for a minute. Were that to happen, the execs aren't going to weep in retrospection, saying, "Oh, if only we had treated the employees better!" The last post hit on an extremely important point regarding overall expertise across companies in financial services., Nov 5, 2021 · Since its $22 billion acquisition of First Data Corp. in 2019, Fiserv has closed or is in the process of closing around 100 U.S. offices as part of a new consolidated location strategy, according ... , He can spend $130 of the software per employee to get garbage data. Guy and Frankie can take it to their “bank”. Anyone who owns stock in this “company” speaks volumes of their mentality. This place is a sh@tshow circus. Employees like myself enjoy the drama an easy money while it lasts., Daily Job Cuts - Full updated list of Who's Hiring , Jobs, Layoffs 2024, 2023, Layoff , Business and Economic News ` Support Your Local Small Businesses: Business | Economy | Job News: UPS, FedEx fuel surcharge hike to heat up delivery prices. MDOT says rebuilding the Francis Scott Key bridge will cost nearly $1.9 Billion ..., Sources. The Worker Adjustment and Retraining Notification (WARN) Act requires employers with 100 or more employees to provide 60 calendar-day advance notification of planned closings and mass layoffs of employees. Find the lists of companies who have issued WARN notices., 2024. Layoff Notices and Updates Filed with DWD. In certain circumstances, federal and/or state law requires businesses laying off workers employed in Wisconsin to provide the State's Department of Workforce Development (DWD) with advance written notice of the layoffs. More information about the federal and state notice laws., Khris Middleton will draw the defensive assignment on Leonard. The Bucks know they won’t be able to totally stop Leonard, but they’re hoping to make things tough …, 3/7/2024. Fiserv to Present at Upcoming Investor Conferences. 3/4/2024. Fiserv Unveils New Global Headquarters in Downtown Milwaukee. 3/4/2024. Fiserv Small Business Index™ for February 2024: Small Business Sales Leap on Strong Consumer Spending. 2/27/2024. Katie Whalen Named a Most Influential Woman in Payments by American …, BROOKFIELD, Wis. -- (BUSINESS WIRE)--Oct. 24, 2023-- Fiserv, Inc. (NYSE: FI), a leading global provider of payments and financial services technology solutions, today reported financial results for the third quarter of 2023. Third Quarter 2023 GAAP Results. GAAP revenue for the company increased 8% to $4.87 billion in the third quarter of 2023 ..., The Layoff discussion - User says: ``Stop complaining, pathetic '' regarding Fiserv Inc. TheLayoff.com Latest Posts ... The truth is, the talent pool is no longer solely viewing Fiserv as the must be destination it once was thanks to Frank and his decimation of what once WAS the gold standard in terms of banking and Fintech. The additional ..., BROOKFIELD, Wis.--(BUSINESS WIRE)--Jul. 29, 2019-- Fiserv, Inc. (NASDAQ: FISV), a leading global provider of financial services technology solutions, today announced that it has completed its acquisition of First Data Corporation.With the transaction complete, Fiserv is one of the world’s leading payments and financial …, The jo--t venture was not renewed and dissolved in 2019. Fiserv retained the major merchants and the rest are still being serviced by Bank of America North America (BANA) through Fiserv systems. Eventually once BANA gets their own processing systems, merchants will be migrated off of Fiserv systems to the BANA systems., View last 12 months. 11/2018 5/2019 11/2019 5/2020 11/2020 0 30 60 90 120 0 0.2 0.4 0.6 0.8 1. Total Laid Off. Total WARN Notices. Fiserv layoffs by state. IL OH IN SD FL WI 0 75 150 225 300 0 0.5 1 1.5 2. Total Laid Off. Total WARN Notices. IL. Breakdown of Fiserv layoffs by job title, role & level. 👉 See laid-off Fiserv employee profiles., First Quarter 2024 Fiserv Earnings Conference Call . Mar 19, 2024. Bank of America Electronic Payments Symposium (Virtual) Mar 14, 2024 8:40 AM EDT. Wolfe FinTech Forum . Feb 28, 2024 1:50 PM EDT. Annual Evercore ISI Payments & Fintech Innovators Forum ...