Vivajets Receives Air Operator’s Certificate, Commits to Business Connectivity in Africa

The Nigerian Civil Aviation Authority (NCAA) has awarded the Air Operator’s Certificate (AOC) to business aviation firm, Falcon Aerospace Limited, doing business as VivaJets, amidst the firm’s rapid global expansion. An AOC allows an airline or charter operator to use an aircraft for commercial purposes. It is a crucial accreditation that demonstrates compliance with aviation safety standards.

“We are thrilled to announce that in January 2025, the NCAA awarded us the AOC, a vital milestone in our quest to become Africa’s largest and most efficient business aviation provider,” said CEO, Chukwuerika Achum.

“This certification from our home country further enhances our capacity to make business aviation more accessible and to deliver the vital business connectivity that Africa needs through seamless and efficient air transportation,” Achum added.

The certification comes at a time of rapid global expansion and technological innovations for the firm. VivaJets offers a variety of services including Aircraft Management, fractional ownership options, and the ability to charter or own private jets. 

“We are rapidly increasing our operations on the global stage, with international routes in North America, Europe and the Middle-East, and a Canadian office. We have also sponsored, exhibited or participated at international events like the World Economic Forum (WEF), Africa CEO Forum (ACF), Africa Air Forces Summit, Invest in Africa Summit, and the African Investment Summit (AFIS). We have also leveraged on technological innovation to create digital platforms that will improve access and affordability of business aviation services,” said Chief Operating Officer, Tejumade Salami.

“Now with the AOC, we continue to expand our fleet and global routes, whilst seeking collaborations and investments to power our rapid growth and international expansion,” Salami added. 

Africa is experiencing a boom in private aviation, with a 15% increase in private jet flights in the past one year. According to media sources, Nigeria, South Africa and Kenya are leading this boom, as a new generation of business leaders seek seamless travel to fast-track business.

According to Head of Flight Operations, Mark Adoga, VivaJets is meeting this demand by providing efficient charter flights that are seamless both in booking and in operations.

“We continue to expand the scope and quality of our operations. We have continued to deliver top notch services to our clients with safe and efficient flights without compromising luxury,” Adoga added.

About VivaJets

A brand under Falcon Aerospace Limited, VivaJets provides premier aviation services with a focus on innovation and inclusivity. Through its platforms, Charterxe and FlyPJX, the company is making private aviation more accessible while maintaining its commitment to luxury and excellence.

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Empowering Entrepreneurship: Lessons from Nidhi Banthia Mehta’s Journey

Nidhi Banthia Mehta is a globally recognized entrepreneur, mentor, and advocate for student and women entrepreneurship. With over 23 years of experience spanning multiple industries and successful business exits, Nidhi has dedicated her career to fostering innovation and sustainability in the entrepreneurial landscape. Her journey is a testament to resilience, adaptability, and the power of a vision-driven approach to business.

A Journey of Bold Decisions and Pioneering Spirit

Nidhi’s entrepreneurial journey began in 2002 when she identified an opportunity in Silicon Valley’s health and wellness sector. She introduced dance-based fitness studios across the Bay Area, a concept that saw rapid growth, leading to a successful exit within three years. Her passion for entrepreneurship led her to expand the concept under the brand BollyBeatz in India in 2005 and later in Singapore in 2007. This first-of-its-kind dance fitness program revolutionized wellness, making it fun, inclusive, and accessible to all.

But once an entrepreneur, always an entrepreneur. Nidhi continued her journey with NeedyBee, a children’s apparel brand, managing both NeedyBee and BollyBeatz simultaneously. In 2019, she exited NeedyBee and went on to establish Self Achievers in 2020, focusing on empowering women and students to embark on their entrepreneurial journeys. Inspired by her mother, she remains committed to building scalable, value-driven businesses that create impact.

Key Leadership Principles for Success

Nidhi attributes her success to fundamental leadership principles that have guided her through the highs and lows of her journey. She highlights:

  • Hard Work & Resilience: Success is a result of persistence and the ability to navigate challenges with a solutions-oriented mindset.
  • Networking & Sales Skills: Building strong professional relationships and mastering the art of selling are crucial for business growth.
  • Adaptability & Innovation: Remaining agile in a rapidly evolving market ensures longevity and competitive advantage.
  • Team Building & Collaboration: A business thrives when its team is empowered, engaged, and aligned with its vision.
  • Work-Life Balance: Prioritizing well-being, personal passions, and family fosters a fulfilling and sustainable career.

Overcoming Challenges & Driving Innovation

One of the most challenging decisions Nidhi faced was during the COVID-19 pandemic, when she had to pivot BollyBeatz from traditional in-person classes to a hybrid model incorporating virtual sessions. While it was uncharted territory, the risk paid off by expanding the brand’s reach globally and fostering a stronger community. This experience reinforced her belief in embracing change, leveraging technology, and thinking ahead.

At Self Achievers, Nidhi fosters a culture of continuous learning and innovation. She encourages brainstorming, collaboration, and experimentation with new tools and trends. By staying connected to industry advancements and leveraging AI and digital platforms, she ensures her ventures remain ahead of the curve.

The Art of Risk Management & Market Adaptation

For Nidhi, risk management is an essential part of entrepreneurship. She emphasizes the importance of thorough research, contingency planning, and data-driven decision-making. Her journey with BollyBeatz in the USA was a significant risk, as she entered a highly competitive fitness industry. However, by differentiating the brand through a unique dance-based wellness solution, she established a strong market presence.

She advises entrepreneurs to take calculated risks while always having a pivot strategy in place. “Know when to hold on and when to pivot,” she says, emphasizing that strategic agility is key to long-term success.

Building a Positive & Productive Company Culture

Nidhi believes that a company’s culture is its backbone. At Self Achievers, she fosters an environment where employees feel heard, valued, and motivated to excel. She practices:

  • Shared Purpose & Vision: Aligning the team with clear goals to ensure collective growth.
  • Empowerment & Inclusion: Encouraging open communication and valuing diverse ideas.
  • Recognition & Development: Celebrating achievements and investing in professional growth.
  • Work-Life Integration: Encouraging flexibility to promote employee well-being and satisfaction.

Work-Life Balance & Personal Well-being

Despite her demanding career, Nidhi has mastered the art of work-life balance. She sets clear boundaries, prioritizes personal time, and follows a structured routine that includes yoga, dance, and family time. She shares that being present for her children and practicing mindfulness keeps her grounded and energized.

For aspiring entrepreneurs, her advice is simple: delegate effectively, trust your team, and build routines that integrate personal wellness. “Entrepreneurship is a way of life, not a sprint,” she says, urging business leaders to design a life that aligns with their values and passions.

Digital Transformation & the Future of Business

Nidhi has fully embraced digital transformation through her ventures, leveraging online platforms for outreach, process automation, and customer engagement. She sees digital tools as invaluable assets that can amplify a brand’s reach without heavy investments.

For entrepreneurs navigating the digital age, she advises:

  • Stay Adaptive: Embrace new technologies and market trends.
  • Leverage Data: Understand customer behavior and refine strategies accordingly.
  • Invest Smartly: Identify high-impact digital tools that optimize costs and maximize results.

Leaving a Legacy of Impact & Empowerment

Nidhi’s entrepreneurial journey is not just about building successful businesses but also about creating lasting impact. Through Self Achievers, she aims to inspire and empower the next generation of entrepreneurs, particularly women and students, to take charge of their futures.

She envisions a world where entrepreneurship is accessible to all, serving as a powerful force for economic empowerment and community transformation. As she continues to innovate, mentor, and build, Nidhi remains steadfast in her mission to create a ripple effect of positive change through entrepreneurship.

Nidhi Banthia Mehta’s story is one of inspiration, resilience, and vision. Her journey underscores the limitless possibilities of entrepreneurship when fueled by passion, innovation, and a commitment to empowering others. Through her experiences, she not only builds successful ventures but also leaves a legacy of knowledge, leadership, and transformation for future entrepreneurs to follow.

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Empowering Communities Through Innovation: The Entrepreneurial Journey of Rachel Koretsky

In the ever-evolving landscape of technology and entrepreneurship, leaders who can bridge innovation with human connection stand out. Rachel Koretsky, founder and CEO of Upace, exemplifies this balance, having dedicated her career to transforming community recreation spaces through digital solutions. With a deep-rooted entrepreneurial spirit and a passion for mission-driven organizations, Rachel’s journey offers invaluable lessons on leadership, adaptability, and impact.

From Family Legacy to Founding Upace

Rachel’s entrepreneurial drive was instilled in her from an early age. Coming from a lineage of business owners, she witnessed firsthand the dedication and resilience required to build and sustain successful ventures. However, it was during her senior year at American University’s Kogod School of Business that she truly discovered her passion for entrepreneurship. The process of developing business ideas, solving problems, and scaling ventures fueled her ambition, ultimately leading her to launch Upace.

Her defining moment came when she was faced with a career-altering decision—accept a dream corporate job or take the leap into full-time entrepreneurship. Trusting her instincts, Rachel chose to commit to Upace, fully immersing herself in building a platform that now empowers community rec centers nationwide.

Key Leadership Principles for Business Success

Rachel’s leadership style is rooted in authenticity, transparency, and adaptability. Over the years, she has honed a set of core principles that guide her approach to business and team management:

  • Active Listening: A successful leader takes the time to absorb feedback from clients, team members, and mentors, ensuring continuous improvement.
  • Trust and Transparency: Establishing an honest and trustworthy workplace culture fosters collaboration and innovation.
  • Team Building: Surrounding oneself with passionate individuals who share a collective vision is vital for sustained growth.
  • Continuous Learning: The most successful entrepreneurs embrace lifelong learning, always seeking new knowledge and perspectives.
  • Adaptability: The ability to pivot in response to market shifts is critical, as demonstrated by Rachel’s strategic repositioning of Upace to serve community recreation centers beyond its initial university focus.

Navigating Challenges and Fostering Innovation

Innovation thrives in environments that encourage curiosity and creative problem-solving. At Upace, Rachel ensures that her team is actively engaged in developing new features and solutions that address clients’ evolving needs. A testament to this was Upace’s rapid response to the COVID-19 pandemic, which saw the platform evolve to support facilities in safely reopening their doors. By prioritizing direct client engagement and embracing technological advancements, Upace positioned itself as an indispensable partner rather than just a service provider.

Moreover, Rachel fosters a corporate culture where employees feel both supported and empowered. She believes in celebrating wins together while also standing by each other through challenges, reinforcing a workplace dynamic based on trust and collaboration. By encouraging team members to pursue projects they are passionate about, she ensures that innovation remains at the heart of Upace’s growth.

The Entrepreneurial Balancing Act: Work and Life Harmony

As a mother of two young boys and a growing business, Rachel understands the complexities of work-life balance. Rather than striving for a perfect equilibrium, she embraces intentional choices—setting clear boundaries, structuring workdays efficiently, and fully engaging in family time. Working with a business coach has helped her navigate this dynamic, reinforcing the importance of being present in both professional and personal aspects of life.

Rachel’s approach serves as a valuable lesson for aspiring entrepreneurs: success is not about doing everything at once but making conscious decisions about where to invest time and energy. The ability to balance ambition with personal fulfillment ensures long-term sustainability in both career and life.

Embracing Digital Transformation and Future-Proofing Upace

Technology lies at the core of Upace’s success. Rachel continuously evaluates and upgrades the platform to remain at the forefront of digital innovation. She believes in being proactive rather than reactive—adopting a forward-thinking approach to technology that ensures long-term scalability and impact. Her commitment to evolving Upace’s brand identity alongside its technological advancements reflects her belief in bold, calculated risks that push industry standards forward.

One of the most pivotal shifts in Upace’s journey was transitioning from a university-focused platform to a broader community impact model. While initially challenging, this decision enabled the company to reach more clients, increase revenue, and make a greater societal impact. For entrepreneurs navigating the digital age, Rachel’s journey highlights the importance of staying flexible, seizing the right opportunities, and always aligning decisions with core values.

Building a Lasting Legacy

Beyond her company, Rachel’s legacy extends to her family and the entrepreneurial community she has helped build. As a co-founder of DC Startup and Tech Week, she has cultivated a thriving ecosystem for over 15,000 entrepreneurs and tech leaders. Her contributions go beyond business success; they foster a culture of collaboration, learning, and support for those embarking on their own entrepreneurial journeys.

Ultimately, Rachel’s mission is to strengthen community spaces that serve people across all life stages. Through Upace, she is not only advancing digital solutions but also reinforcing the human connections that make recreation centers indispensable to community well-being. Her work continues to shape a future where technology empowers, connects, and enhances lives.

Final Thoughts: Lessons from Rachel Koretsky’s Journey

Rachel Koretsky’s story is one of resilience, strategic risk-taking, and unwavering dedication to her vision. Aspiring entrepreneurs can draw invaluable insights from her experiences:

  • Trust Your Instincts: If your gut tells you to take the leap, do it—even if it means stepping into uncertainty.
  • Build a Support System: Surround yourself with mentors, peers, and communities that provide guidance and encouragement.
  • Stay Adaptable: Market shifts and challenges are inevitable; your ability to pivot will define your success.
  • Prioritize Purpose: Align your business with a mission that drives you beyond financial success.
  • Find Your Work-Life Harmony: Entrepreneurship is a marathon, not a sprint—create a rhythm that allows you to thrive in both professional and personal spheres.

Rachel’s leadership and vision continue to inspire entrepreneurs and business leaders alike, proving that innovation and community impact can go hand in hand. Her legacy is one of meaningful change, shaping a future where technology and human connection converge to build stronger, healthier communities.

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Susanna Kass: Pioneer to Drive Business Impact with AI Driven Data Culture for Sustainability Results

Susanna is a CxO who has scaled new ventures from the ground up to $billions in revenue in cloud, data center infrastructure. Susanna is a trailblazer decorated with numerous industry accolades in leading sustainability designs as a computer scientist and inventor. She is familiar with and excelling at a fast pace realm working in cloud, AI, data center infrastructure, and in her executive operation roles for over 33 years has led internet startups from the ground up to success across 18 countries in collaboration with AI pioneers and cloud hyperscalers; Nvidia, Microsoft, Google, Meta, AWS, Apple, Equinix, Goldman Sachs, Akamai, to name a few and had held global executive management roles in Fortune 100 Enterprise organizations and startups; eBay, HP, Sun Microsystems, Trilliant Networks, Baselayer, InfraPrime. Her  experience is extensive to collaborate with the leading Cloud providers with Enterprise executives; and as a contributor researcher to IPCC, John Hopkins University, National University of Singapore, DTU, Cornell, Columbia and Stanford University to explore the realms of decarbonization of digital infrastructure, AI Sovereignty, and urban sustainability designs. Susanna is exemplary in leading design to build data centers; and scaling accelerated computing and business critical systems infrastructure; using clean energy and decarbonization designs reliably across geographical locations to reach corporate sustainability targets; making impact results and creating scientific breakthroughs for planet, people and profitability.  

Susanna recently was recognized by Data Center Magazine in February 2025 as 5th in the Top 10 Data Centre Global Leaders alongside Dr. Lisa Su, Chair and CEO at AMD, Matt Garman, CEO at AWS, co-founder and CEO, Jensen Huang at Nvidia, Andrew Power, President and CEO, Digital Realty. Susanna won an industry prestigious award by Data Center Dynamics in London for her Life Time Achievement Award in Global Data Center and Digital Infrastructure. She is ranked 1st of the Top 10 Sustainability Leaders Award by Data Centre Magazine. She was again recognized as 1st of the Top 10 Women in Data Center in USA and 4th of the Top 10 Women in Data Center in the World, and Top 50 Climate Change Leaders in the past two decades for her exemplary results. Her approach is relentlessly focus to invert status quo to drive impact results through design, customer centricity process to deliver on resilience and performance metrics; sharpen the focus on time to market advantages, meet the Carbon Neutrality pledges. She extensively uses AI technology to advance carbon intensity reduction,  maximize the effectiveness of resources usage to promote business economic growth of her clients’ data centers investments in accelerated computing and net zero digital infrastructures. Susanna believes that CxO are climate change pioneers as well as AI business entrepreneurs leaders who have the acumen to lead organizations to create green jobs, deliver triple bottom line results; simultaneously through AI training paving the way for future generations to embrace AI technology, to nurture the company’s ability to innovate and upskills humanity safety. Susanna works with her clients by embracing design thinking methodology on product and service innovation, acts concisely on science-based targets, machine learning (ML) intelligence; tying it all together to operate efficiently, to integrate effectively, to absorb and adapt external forces; to tackle geo-political uncertainties, regulatory conformance facing climate change 

Susanna thrives in fast pace change in organizations that is massively accelerated by the rate of innovation through Digital Transformation and Artificial Intelligence (AI). The traditional perspective that data is a byproduct of operations, accessed only to data scientists is essential but Susanna finds it to be insufficient. The data including generative AI data is now regarded as the leading driver of business value. The recognition of each entrepreneur and CIO acknowledges the impact and rate of innovation of AI far exceed any top data priorities for the past digital transformation years; including cloud platforms, data management and analytics. Accelerated Computing is transforming Moore’s Law to new realms for all types of data; unstructured, streaming and AI generative content in massive volumes in an unprecedented pace 

Susanna Kass: Leading the Charge toward an AI and Carbon Free World

In the quest to scale growth and simultaneously minimize climate change’s impact and avert global warming’s most dire consequences, achieving a carbon free future is imperative. The Intergovernmental Panel on Climate Change (IPCC) has underscored the significance of reaching net zero carbon dioxide emissions around mid-century to limit global warming to 1.5°C above pre-industrial levels. This ambitious endeavor calls for transformative changes in how we produce and consume energy, eliminate emission, reduce resources consumption and create new value from waste; hence  necessitating a shift away from fossil fuels, embracing clean energy alternatives such as wind, solar, hydro, geothermal, and nuclear power, and adopting clean fuels like hydrogen. 

Against this backdrop, visionary leader like Susanna Kass, the Co-founder of InfraPrime, is at the forefront, driving the charge towards a carbon free future. In a world often dominated by men and profit-driven motives, Kass’s distinct approach embodies a new breed of authentic leadership as a woman that champions clean energy and acts as an influential energy ethics ambassador. Her determination to transform companies focusing on people, the planet, and profit sets a powerful example as a women in a male dominated IT industry for those who chose to follow her as she is voted as one of the Top 10 Data Center Leaders to follow on Linked In.

Kass is a beacon of inspiration for women leaders and the young generations today. Her commitment to scale growth sustainably and environmental responsibility has earned her a well-deserved reputation as one of our time’s most inspiring women leaders and most admired by the young generations. Her authentic leadership style reshapes the clean energy landscape and in her collaboration as net zero pioneer in the data center industry with the premier innovators in the AI era of the Net Zero movement.

Global market analysts estimated the market shall reach $100+ Trillion in AI on top of a yearly 40% growth of a $900+Billion Cloud Computing market, she is uniquely positioned to spearhead sustainability investments growth for environment impact of her clients to deliver on the Carbon Neutrality pledges by 2030 and 2040.

Sustainable Data Center Innovator and Women Entrepreneur 

Kass is a distinguished figure in the data center industry, known for her passion and commitment to good science, business impact results to deliver growth performance throughout the data center lifecycle in a circular economy.  As an Energy Fellow, lecturer at Stanford University and a researcher contributor to Intergovernmental Panel of Climate Change (IPCC),  a board advisor to the Stanford Graduate Management Board (GMB) Women’s Circle, a data center advisor to the United Nations Sustainable Development Program (UN SDG-EP), a founder and co-Chair for the Data Cloud Talent in Tech Initiative with Technoraco, she demonstrates a holistic understanding of grooming the next generations leadership by exemplary results in setting science-based targets in her data center carbon free designs and sustainability practices to enrich young talents to create an urban sustainability system. With an impressive career success spanning globally over three decades, Kass has held worldwide chief executive, chief operating, chief sustainability and co-founder, executive general management data center business operation management roles in startup companies and Global 100 organizations like eBay, HP,  Oracle/Sun Microsystems, NextEra Energy, Baselayer Inc., Kass has collaborated with clients including Nvidia, Goldman Sachs, Akamai, Meta-Facebook, Google, Microsoft, Apple, AWS, and John Hopkins University managed global data centers and 7000+ people teams across 18 countries. Her passion for sustainability and innovation has led her to 4.1-Gigawatt Clean Energy Data Center projects using renewable energy, liquid-cooled data center, zero generators, emissions are reused to transport data center waste heat to Olympic games pools for district heating and cooling to communities, and the electronic waste is reused to provide new value to low-income citizens in communities. 

Kass’s journey as a sustainability pioneer is highlighted by her strategic roles in various organizations and her dedication to achieving a carbon free future. She has become a leading advocate for sustainable practices in the data center industry as an inventor of her new patents and multiple Top 10s and Most Admired Women and Mother awards accolades. As the COO of International Operations for eBay and General Manager at Hewlett Packard and senior executive roles at NextEra Energy, Baselayer, Oracle/Sun Microsystems, she honed her expertise in listening, develop a customer-centric approach to scale business growth. She has extensive research software programming skills, AI work experience to drive design thinking products and services, built and led distributed teams across 18 countries to operate hyperscale data centers for over 33 years for hyperscale cloud, accelerating computing projects; site selection, land acquisition, land development, build, commissioning, net zero operations on a global scale. 

Pioneers of Net Zero Investments 

Established in 2019, InfraPrime co-founders was the recipient of the European Union research grants to lead the Hydrogen Net Zero Initiatives, the company had contributed its expertise in its collaboration with Google, Microsoft hyperscale providers of the establishment of the Net Zero Innovation Hub to foster new carbon free emission projects in EMEA. Currently, Susanna is an Operating Partner for Digital Gravity Infrastructure Partner on the Net Zero Accelerator Fund, an inventor and Senior Advisor to establish Absolute Zero Availability Zone(s) digital infrastructure  with the electric and grid operators, her role is to invest and design Absolute Zero cloud and accelerated computing projects. It is a private and public collaboration Digital Infrastructure global portfolio in gigawatt scale. 

Inspiring Entrepreneurs in the Next Generation

In addition to her extensive work in the industry, Kass actively participates in academia to inspire and educate the next generation sustainability leaders to join the data center sector. As an Energy Fellow at Stanford University, a Charles Rudd Distinguished Lecturer, a research contributor to the IPCC and United Nations SDG-EP, Kass collaborates with youths PhD, Master, Bachelor graduate students in environmental sustainability, AI, computer science, engineering, urban environmental disciplines. She instills in them a comprehensive understanding of AI, cloud, data meta structures and fosters sustainability-driven thinking that promote clean energy projects and net-zero outcomes to benefit the society. 

Through her mentorship and thought leadership, Kass has mentored over 1000+ youths who expressed interest in sustainability, IT, digital infrastructure and data center, she empowers the next generation to embrace climate change challenges and drive innovation in the data center  infrastructure industry. Kass is a founder and Chair for Data Cloud Talent in Tech Initiative, an educational gateway to transform the next generation of the Data Center industry to welcome young talents using their literacy to collectively drive sustainable change for the data center industry in the AI era. Within Stanford University, Kass also contributes as a Climate Change Researcher for Stanford University Graduate School of Business and at Doerr School of Sustainability as a guest lecturer in the Urban Sustainable Systems Design.  Her thought-provoking lecture parallels design thinking session to instill sustainability thinking in everyday life, to enrich the academic environment and encourage students to pursue sustainable solutions in the urban environment designs. As of publication, Kass is cited in WSJ, Forbes, CIO Magazine, Data Center journals, Linked In, she is a chapter author of the Greener Data Volume II published by JSA, the book is ranked as top best seller in two categories on Amazon Best Seller list.

Embracing Humanity and AI Safety 

Kass is a dedicated humanity leader, a clean energy strategist who leads by influence and exemplifies a purpose aligned with her passion. Her work revolves around making a difference with people and leaving a lasting legacy in pursuing a sustainable future in the AI era. Using her research acumen, strategic planning skills, and listen patient approach, Kass actively engages with AI scientists, cloud computing builders, data center operators, renewable energy developers and entrepreneurs worldwide. Her commitment to humanity sets her apart, which she considers a habitual ethics and people first best practice in every aspect of her work. With a profound commitment of the value of AI humanity and safety, Kass relates and connects with ideas without prejudice. This approach fosters meaningful connections that inspire and motivate others to embrace humanity in their thinking and practices. She positively impacts people, and the larger scientific communities by encouraging open research, transparency, collaboration in an open-sourced environment.

One of InfraPrime’s groundbreaking products, which Kass has played a vital role in driving 24/7 clean energy generation for Net Zero availability zone when the electric grid is not 100% clean to support her clients’ Carbon Neutrality Goals. And, in the adoption of decarbonization to  harnesses the massive volume of heat waste from data centers to provide district heating and cooling to the communities for societal, environmental and cost savings benefits,  by utilizing CO2 as a thermal carrier for data center sector, this innovation benefits InfraPrime’s data center clients regenerating from waste heat to district cooling and heating services to their communities, contributes to sustainability by reducing emissions footprints. These advancements have a direct social benefit, particularly in communities with access to cost-effective cooling and heating without the need of the grid and paying costly electricity bills. 

Kass’s primary ambition is nothing short of transformative. Her vision is to innovate in the accelerating computing AI era to not burden the electric grid in the mass increase of energy demand consumption. She advocates to invert the status quo of an energy demand-supply of data center operators with the grid operators, for both to act as co-contributors to improve energy resiliency, energy generation-transmission-distribution performance of the digital infrastructure based on service level agreement; and to make the electric grid affordable and green, eliminate giga tons of emissions on a global scale from the grid, and foster economic savings to benefit communities of 24/7 AI data centers for the people and business to thrive in a carbon free grid  in our current era to pave the way for the next generations. She advocates for Carbon Neutral Supplier Responsibility for data centers, driving the industry towards a future that prioritizes zero emission for materials, building and construction, adopting embodied carbon materials that act as carbon storage during the net zero operations. Kass’s approach to supply chain sustainability and her emphasis on carbon neutrality may seem impossible, she is determined to research and  collaborate with inventors, clients and partners on carbon materials standards and make it an affordable alternative materials for the developing and developed countries to meet the UN SDG goals.  

Looking Beyond

Kass envisions a fundamental shift in emissions disclosures for entrepreneurs and AI investors, where climate risk is a critical and not an optional consideration.  To address this social costs of ownership challenge, Kass’s leadership approach centers on seizing each moment to drive meaningful change— science-based approach and fact checked investment. We continue to celebrate progress, live each moment to advance towards our best potential to serve others. A philosophy shared with the Stanford University GSB; “Dedicated to the things that haven’t happened yet and the people who are about to dream them up” furthering her commitment to empowering the next generation young professionals to thrive in a sustainable lifestyle.

Guided by Faith and Family

Beyond her professional achievements, Kass believes in connecting with her inner calling and staying grounded in facing challenges and setbacks. Her strong faith and practice of equanimity fuel her resilience and determination to overcome obstacles. Kass draws inspiration from her two daughters’ character and their dedication to becoming global citizens committed to positively impacting future generations. Her daughters, Bronte and Elle Kass, are accomplished individuals who have completed their bachelor’s and are now actively pursuing advanced medical degrees in neuroscience research and working abroad as a Foreign Service Diplomat in the field of Public Diplomacy. Their commitment to making a difference in the world is a testament to the Kass’ family and her influence as a supporting parent. 

Kass’s gratitude extends to her strong faith, her family and Mother Nature, and she strives to harmonize her life living as a minimalist on a plant-based diet and sustainable practices. As a clean energy strategist, she advocates and inspire others to adopt a more sustainable lifestyle. 

Quote

“As Entrepreneur, we become the guards for future generations that come behind us so they too can make the same choice as we do today.” , said Susanna Kass, 

“The current era of Artificial Intelligence has and shall disrupt human-led Digital Transformation, we are all in the same sustainability journey to promote A Carbon Free Economy. Invert the status quo of a linear economy, embrace innovation to advance sustainability, promote peace and human digital and drive economic growth for global society.” 

Read full digital magazine: Most Inspiring Women Leaders in Business 2025

European Startup Prepares for Pioneering Orbital Rocket Test

A European startup is about to make history by launching its first orbital rocket test. This is a big step for the region’s private space industry. The test flight will show what the company can do and help Europe compete in the global space race.

A Bold Step in Europe’s Space Ambitions

The startup, which has been developing its launch vehicle for years, aims to demonstrate the reliability and efficiency of its rocket technology. The successful completion of this mission could open doors for future commercial satellite launches, enabling Europe to compete with major players like SpaceX and Rocket Lab.

The rocket is designed to carry small payloads into orbit, catering to the growing demand for affordable and flexible launch options. This initiative aligns with the European space sector’s push for innovation and self-reliance, reducing dependence on foreign launch providers.

Overcoming Challenges to Reach the Stars

Developing an orbital rocket is no small feat. The startup has faced technical and financial hurdles throughout its journey, securing funding from investors and government-backed programs. Despite these challenges, the company has remained committed to its goal of launching a cost-effective, high-performance rocket.

The test flight will give important information about the rocket’s engine, navigation, and ability to be used again. Engineers will study its performance to improve future designs and make sure it is reliable for future space missions. If it succeeds, the launch will help the startup become an important part of Europe’s growing space industry.

The Future of European Private Space Launches

This mission is not just about one company; it represents a broader shift in Europe’s approach to space exploration. With increasing investments in space startups, the continent is fostering a competitive and innovative launch market.

A successful flight could encourage further private-sector participation, leading to more frequent and affordable launches for scientific research, telecommunications, and Earth observation. As Europe strengthens its capabilities, the global space industry may see a new wave of competition and collaboration.

The wait is almost over and everyone is watching this ambitious startup as it gets ready for a big moment in European space history.

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The Art of Leadership: Howard Davidson’s Journey to Transforming Business Through Creativity and Innovation

In the world of business, success often stems from a combination of vision, adaptability, and a relentless drive to innovate. Few exemplify this better than Howard Davidson, an experienced CMO and creative leader whose 17-year journey has been shaped by a deep understanding of storytelling, strategic decision-making, and an unwavering commitment to transformation. As the Chief Marketing Officer of Almond FinTech, Howard has redefined the landscape of cross-border payments while championing leadership principles that resonate across industries.

From Art Teacher to Business Leader: A Journey Rooted in Creativity

Howard’s path to leadership was anything but conventional. With a college degree in art, his first professional role was as a middle school art teacher—a pivotal experience that unknowingly set the stage for his future in business. Teaching honed his ability to communicate complex ideas in a simple, compelling manner, an essential skill in marketing and leadership.

“I discovered the power of storytelling and the importance of knowing your audience,” Howard reflects. “If you can clearly communicate an idea to a group of middle schoolers, you can do the same in any boardroom.”

This early realization propelled him into the corporate world, where his creative approach to problem-solving, strategic thinking, and keen awareness of audience engagement became the foundation of his career. Over the years, Howard has held key marketing leadership roles across industries such as AI, robotics, and software development, before joining Almond FinTech in 2020.

Key Leadership Principles: Empathy, Awareness, and Decision-Making

Having worked with and observed some of the best leaders in the industry, Howard identifies three critical traits that define exceptional leadership: empathy, awareness, and decision-making.

“Empathy enables you to connect authentically with your team and stakeholders. Awareness helps you understand when to lead and when to listen. And strong decision-making ensures that, even if not every choice is perfect, you can move forward with confidence and accountability,” he explains.

Howard’s leadership philosophy emphasizes trust and empowerment, fostering an environment where innovation thrives. He believes that creating a space where individuals feel encouraged to take risks and learn from failures is crucial to sustaining long-term business success.

Navigating Challenges: The Art of Adaptation

One of the biggest challenges Howard faced in his career was leading a comprehensive rebrand at Almond FinTech. From redefining visual identity to reshaping messaging, the stakes were high.

“As the brand’s protector, every decision had far-reaching implications. There were sleepless nights and heated debates, but the end result was a resounding success,” Howard Davidson shares.

His approach to problem-solving is rooted in data, yet he acknowledges the importance of intuition and experience. “Numbers don’t tell the whole story. Sometimes, you have to trust your instincts.”

Driving Innovation at Almond FinTech

At Almond, innovation is at the heart of everything. Howard and his team continuously explore emerging technologies like AI, machine learning, and quantum computing to refine and enhance the company’s solutions for cross-border payments.

“Impact requires innovation,” Howard Davidson states. “We are not just solving today’s challenges—we’re preparing for tomorrow’s.”

By fostering a culture of open communication, collaboration, and fearless experimentation, Howard ensures that Almond remains ahead of the curve in a rapidly evolving industry.

Work-Life Fulfillment: Redefining Balance

For many entrepreneurs and executives, maintaining a healthy work-life balance can be a struggle. Howard, however, prefers the concept of “work-life fulfillment.”

“It’s about designing a schedule and lifestyle that align with my personal and professional aspirations. I don’t see my work as something I need to escape from—I see it as something that enriches my life,” he explains.

This philosophy is embedded in Almond’s culture, where flexibility and well-being are prioritized. “When people feel valued and supported, they do their best work,” Howard says.

Lessons for Aspiring Entrepreneurs

For those looking to build their own business or carve out a leadership path, Howard offers this advice:

  • Define Your Vision: Understand what success looks like for you, not just in terms of business, but in life.
  • Stay Curious: The digital landscape is constantly evolving. Keep learning, experimenting, and adapting.
  • Build Meaningful Relationships: Strategic partnerships and authentic connections can open doors that no amount of marketing can.
  • Trust Yourself: If you feel nervous about an opportunity, you’re probably on the right track.

A Legacy of Purpose and Innovation

Howard Davidson doesn’t dwell on leaving a legacy; instead, he focuses on making a meaningful impact in every moment. “Entrepreneurship isn’t about shortcuts or formulas—it’s about intentionality, persistence, and learning from every experience,” he says.

Through his leadership at Almond FinTech and his influence in the marketing industry, Howard continues to inspire the next generation of entrepreneurs to embrace creativity, challenge the status quo, and build businesses that make a difference.

As he puts it: “Work hard, be kind, stay curious, and don’t forget to laugh along the way. That’s the real formula for success.”

Visit Digital Magazine: Most Empowering Leaders to Watch in 2025

Navigating Transformation: Insights from Dr. Claire Handby’s Journey

Dr. Claire Handby’s career is a testament to the power of experience, adaptability, and purpose-driven leadership. From a hands-on start in infrastructure to becoming an Executive Director and an esteemed business transformation coach, her journey embodies resilience and strategic thinking. Her insights on leadership, complex projects, and ethical decision-making provide invaluable guidance for professionals seeking success in today’s dynamic business landscape.

A Career Built on Experience and Strategic Growth

Dr. Handby’s journey began at the age of 15, gaining early exposure to construction through work experience with a scaffolding company. This led her to pursue further education in construction, ultimately achieving Chartership with the Chartered Institute of Building (CIOB). Working with prestigious firms like Laing O’Rourke, Mace Group, EY, Deloitte, and KPMG, she developed expertise in infrastructure assurance, business transformation, and leadership. Her role in multi-billion-pound programs across sectors has cemented her reputation as a leading figure in management consulting.

Approaching Complex System Integration in Major Projects

Handling multi-million to multi-billion-pound projects requires a structured approach. Dr. Handby uses a five-pillar framework—processes, organisation, technology, information/data, and culture to assess the effectiveness of system integration.

By establishing a clear RACI (Responsible, Accountable, Consulted, Informed) model, she ensures transparency in roles and responsibilities, helping teams achieve incremental yet impactful progress. While some improvements happen quickly, others require patience and persistence. Her approach ensures that even in large-scale projects, the right management actions are in place to drive sustainable results.

People, Culture, and Technology in Organisational Transformation

Transformation is more than just implementing new processes it’s about bringing people along on the journey. Dr. Handby emphasises honesty, openness, and empathy in leading change.

Using Greater Manchester’s Metrolink extension as an example, she illustrates how large infrastructure projects impact communities. While the construction process disrupted daily life, the long-term benefits such as enhanced mobility, economic uplift, and improved job opportunities far outweighed the short-term inconveniences. Her belief in “short-term pain for long-term gain” is a guiding principle in transformation efforts.

Inclusive Leadership: Unlocking the Power of Diversity

Diversity, particularly neurodiversity, is often overlooked in business. Dr. Handby advocates for leveraging diverse perspectives to create richer, more innovative solutions. By recognising and embracing different strengths, she fosters an inclusive work environment that builds trust and respect.

Her leadership philosophy is grounded in understanding individuals’ unique “superpowers,” ensuring that diverse teams are empowered to contribute effectively. This approach not only enhances project outcomes but also strengthens organisational culture.

Embedding ESG and Ethical Decision-Making

Sustainability and ethical leadership are at the core of Dr. Handby’s business practices. She believes organisations must actively respond to climate challenges and regulatory shifts by integrating ESG (Environmental, Social, and Governance) principles into their strategies.

To implement ESG effectively, businesses should:

  • Conduct a current state assessment.
  • Set measurable KPIs across short- and long-term goals.
  • Develop a vision and secure commitment from stakeholders.
  • Build scorecards to track continuous improvement.

Dr. Handby’s passion for ESG extends beyond compliance she actively raises awareness and encourages business leaders to take responsibility for shaping a more sustainable future.

Supporting Executives Through Transition

Modern executives face constant distractions and rapid change. As an ICF and EMCC-certified executive transition coach, Dr. Handby helps leaders navigate promotions, career shifts, work-life balance challenges, and personal transformations such as health issues or retirement.

Her coaching approach is rooted in acknowledging emotions, assessing the current state, and setting clear goals. Whether dealing with redundancy or toxic work cultures, she empowers executives to take control of their paths and make informed decisions.

Recognition and Impactful Contributions

Among her numerous accolades, two awards stand out for their profound impact. The Deloitte Northwest Europe Award recognised her role in ‘Phoebe’s Helping Hand’ a movement using 3D printing to create prosthetic hands for children, including her niece. The project highlighted the power of kindness and innovation in making a tangible difference.

Another defining moment was her contribution to supporting victims of the 2017 Manchester Arena terrorist attack. Driven by a deep connection to her home city, she proactively assisted in ensuring charity funds were distributed transparently to those affected. This act of compassion and leadership exemplifies her unwavering commitment to ethical service.

Fostering Innovation in Large Organisations

Dr. Handby sees innovation as an opportunity rather than a challenge. Inspired by historical visionaries like Alan Turing, she thrives on embracing new ideas and mitigating risks effectively. With a background in infrastructure, she applies rigorous financial planning and risk management to ensure innovation drives progress rather than disruption. Her ability to turn strategy into action has earned her the trust of teams and leadership alike.

The Future of Infrastructure, Investment, and Transformation

Looking ahead, Dr. Handby identifies key trends shaping the next decade:

  • AI and Ethics: Artificial intelligence will revolutionise industries, but businesses must balance innovation with responsible implementation.
  • Geopolitical Shifts: Global politics will continue to influence markets, requiring organisations to remain agile and ethical.
  • Investment Evolution: Private sector collaborations and government-controlled infrastructure will reshape financial landscapes.
  • Talent Demand: The infrastructure sector must embrace diversity and digital skills to meet evolving workforce needs.
  • Energy Transitions: While electric vehicles dominate today, new energy sources may redefine transportation and sustainability.
  • Digital Transformation: The rise of blockchain and AI could render physical cash obsolete, shifting the way transactions occur.

By applying PESTEL and SWOT analysis, organisations can prepare for these changes, ensuring resilience and strategic foresight.

Advice for Aspiring Professionals

Dr. Handby champions social mobility and career growth, emphasising self-awareness and adaptability. Her key advice:

  • Recognise your strengths and align them with market needs.
  • Take action and make decisions, progress is better than standing still.
  • Be open to change and pivot when necessary.
  • Look for opportunities and embrace career shifts with confidence.

Careers are rarely linear, and embracing change is essential for long-term success. Dr. Handby’s journey serves as a powerful reminder that with determination, strategic thinking, and a commitment to purpose, professionals can navigate transformation and leave a lasting impact in their fields.

Visit Dr. Claire Handby’s LinkedIn Profile

Read Also: The Art of Leadership: Howard’s Journey to Transforming Business Through Creativity and Innovation

Crafting an Effective Corporate Travel Policy: A Guide for Entrepreneurs

Business travel can be both exciting and challenging, but without the right internal structures and procedures in place, it can also become costly and chaotic. 

Whether you’re managing a startup or running an established company, a well-designed corporate travel policy is essential. It provides clarity for employees, ensures compliance, and controls travel expenses. 

Here’s everything you need to know about crafting a practical and effective travel policy for your business. 

What Is a Corporate Travel Policy? 

A corporate travel policy is a comprehensive guide that outlines how employees should manage business travel. It sets specific guidelines around booking flights, accommodations, and local transportation. It also defines processes for approvals, tracking expenses, and what reimbursement covers. 

More than just a set of rules, a good corporate travel policy reflects company culture. It balances cost-saving goals with care for employees’ well-being and ensures duty of care responsibilities are met. 

Key Elements of a Corporate Travel Policy:

  • Booking Processes. Steps on how, where, and when to book travel. 
  • Approved Tools. Booking or expense-management tools employees should use. 
  • Approved Vendors. Preferred airlines, hotels, and ground transport options. 
  • Expense Coverage. A clear list of what’s reimbursable and what’s not. 
  • Reimbursement Policy. Instructions on how to submit and receive reimbursements. 
  • Emergency Procedures. Essential contacts and steps for emergencies during travel. 

With a sound travel policy policy, employees feel more prepared, and businesses gain better control over travel planning. 

Why Every Entrepreneur Needs a Travel Policy 

Implementing a corporate travel policy may seem tedious at first, but its benefits outweigh the effort. Here’s why it’s critical for business operations:

Cuts Costs and Saves Time 

A proper travel policy reduces unpredictable expenses. With set approvals and preferred vendor agreements, unnecessary splurges or last-minute bookings are avoided. Employees book smarter, and travel costs remain within budget. 

It also simplifies approvals and expense management. Instead of manual negotiations, employees and managers follow a structured approach, saving valuable time. 

Promotes Safety and Duty of Care 

When employees travel for work, their safety is your responsibility. A clear policy ensures duty of care guidelines are followed, offering emergency contacts and support for unexpected situations. 

Ensures Consistency 

Without a travel policy, every trip might be handled differently. This can lead to confusion, miscommunication, and expenses spiraling out of control. A travel policy keeps processes uniform and consistent across the organization. 

Enhances Employee Experience 

Supportive policies improve the travel experience. Employees value transparency and fair reimbursements, which build trust. Additionally, allowances for personal travel add a human touch. 

How to Craft Your Corporate Travel Policy 

Designing a practical travel policy takes thoughtful consideration. Here’s a step-by-step guide to create one that works for your business

1. Define Your Policy Goals 

Think about your objectives. Is the goal to reduce business travel costs, improve safety, or provide employees with flexibility? Make sure your goals align with your company’s values and culture. 

2. Outline Guidelines and Processes 

Clearly define guidelines for booking, approvals, and reimbursements. For example:

  • Where and how should employees book travel? 
  • What expenses are covered (meals, transportation, laundry)?
  • Approval hierarchies for out-of-policy bookings. 

Be sure to include emergency procedures and provide necessary contacts. 

3. Create a List of Approved Vendors 

Partnering with trusted airlines, hotels, or transportation providers can save money while ensuring quality service. Encourage employees to prioritize these vendors to streamline processes. 

4. Incorporate Flexibility 

While consistency is important, rigidity can discourage employees. Allow blending work and leisure travel when possible. For example, employees might extend trips for personal vacations, with costs for personal time covered by the traveller, rather than the business. 

5. Use Technology to Streamline Processes 

Adopt technology to manage travel booking and expense tracking. Tools like Concur or TravelPerk simplify these tasks, giving you real-time insights into travel expenses and emerging trends. 

6. Gather Feedback and Update 

Once implemented, invite feedback from employees. Are there unclear points? Is the policy too restrictive or too lenient? Revisit and refine your policy regularly to keep it relevant. 

Build a Travel Policy That Works 

A corporate travel policy isn’t just a document to file away. It’s a powerful tool to make business travel seamless for both the company and employees.

By promoting clarity, consistency, and empathy, you can balance cost-efficiency with employee satisfaction. 

Need help managing expenses or creating a detailed policy? Start by implementing tools that simplify your processes. Remember, every great outcome has its foundations in a solid plan. 

Also Read: The Value of Online Degrees for Aspiring Entrepreneurs

The Value of Online Degrees for Aspiring Entrepreneurs

For aspiring entrepreneurs, the key to success lies in skills, strategies, and a strong knowledge base. While traditional degrees have been the norm, online degrees have emerged as a worthy alternative.

But are they truly valuable for those looking to start and grow their own business?

This blog explores how online degree programs can provide aspiring entrepreneurs with practical tools, flexibility, and real-world applications that set them up for success.

Why Entrepreneurs Should Consider Online Degrees

The entrepreneurial world demands a broad range of skills, including finance, marketing, leadership, and decision-making. Online degree programs offer an efficient way to gain this knowledge without sacrificing the time needed to build and manage a business. Here’s why they are worth considering:

  • Flexibility 

Entrepreneurs often work irregular hours. Online degrees allow students to learn at their own pace and schedule, making education accessible even amidst the chaos of launching a startup.

  • Affordability 

Online programs often come at a lower cost compared to traditional universities. For budding entrepreneurs looking to manage startup costs, this affordability can be a game-changer.

  • Specialized Courses 

Many online degree programs offer specialized courses in fields like digital marketing, data analytics, and entrepreneurship, focusing on practical skills that can be applied immediately.

Real-World Applications of Online Degrees

Online degree programs are designed with practicality in mind. Rather than focusing solely on academic theory, these programs integrate case studies, project-based learning, and real-world problem-solving. For entrepreneurs, this focus on actionable knowledge provides a crucial edge.

For instance, a course in financial management can teach you to allocate funds for your startup effectively. A marketing course, on the other hand, could help you optimize your product’s reach without breaking the bank. These lessons go beyond the classroom and into the heart of real-world business.

Imagine pursuing online degree programs in Texas that specialize in regional business trends. Not only would this provide a credible educational background, but it would also help you understand Texas’s local market dynamics, customer behavior, and industry-specific opportunities.

Who Benefits Most from Online Degrees?

Online degrees can benefit a wide range of aspiring entrepreneurs. Here are three groups that find them especially useful:

  1. Career Changers 

If you’re pivoting from a corporate role to entrepreneurship, an online program can help you build the essential skills you’re missing. For instance, transitioning from sales to launching your own e-commerce store may require learning web development.

  1. Side jobs

Entrepreneurs who are just starting a side business can benefit from online degrees. These programs ensure you’re equipped with knowledge while maintaining your day job.

  1. Early-Stage Founders 

Founders in their first few startup years can use online learning to refine their management and operational strategies. It’s a low-risk way to rethink and optimize their approach.

Limitations and How to Overcome Them

It’s important to note that online degrees aren’t perfect. For starters, they often lack the networking opportunities of traditional education, where peer interactions can spark business partnerships.

However, joining online forums, webinars, or alumni groups can help you connect with like-minded professionals. Some programs also offer access to virtual internships or mentorships, allowing you to bridge the gap between education and real-world connections.

Putting Your Knowledge into Action

The real test of any degree lies in how well you apply what you’ve learned. An online program gives you the foundation, but it’s up to you to adapt it to your business’s unique needs. Whether it’s creating a solid business plan or understanding tax codes, the knowledge gained should become part of your toolkit.

Boost Your Business with an Online Degree

Online degrees deliver unparalleled flexibility and focused learning, making them a great choice for budding entrepreneurs. 

They allow you to build the skills needed to thrive in today’s competitive business world without stepping away from your entrepreneurial pursuits.

Are you ready to take your knowledge and business to the next level? Explore available online programs today and find one that aligns with your goals.

Financial Roadblocks? How Your Credit Score Can Open or Close Doors

If you’ve been hitting roadblocks while trying to secure a car, rent an apartment, or get reasonable rates, there’s a good chance your credit score might be the hidden culprit working against you.

For young adults, and those rebuilding credit, understanding the benchmark for a good credit score is essential.

Is it all negative? Not necessarily. A strong credit score can significantly enhance your financial opportunities.

Here, we’ll explore how credit scores impact your financial life, why improving your score is worth the effort, and offer tips on getting your credit back on track.

What is a Credit Score, and Why Does it Matter? 

Think of your credit score as a financial reputation you carry around. It’s a three-digit number that tells lenders how risky it might be to offer you a loan or credit. Scores generally fall between 300 and 850, with anything in the high 600s and above being considered “good.”

Your score affects everything from getting approved for a credit card to the interest rate on your home loan. A higher score unlocks better borrowing terms and shows that you’re responsible with money. You’ll not only save on interest but open up wider opportunities, too.

How Credit Scores Hold You Back 

When your credit score dips below a certain level, lenders start flagging you as high-risk. So, is a 645 credit score good? It’s often considered “fair,” but not great. With a 645 credit score, you’ll likely qualify for some loans or credit cards, but your rates and terms won’t be as favorable as they could be. A lower score can also lead to higher security deposits for rentals or even denied credit applications.

How Credit Scores Can Unlock Opportunities 

On the flip side, a good credit score doesn’t just make borrowing money cheaper; it’s also a trust signal. Property managers are more likely to approve your apartment application, car dealerships offer better financing options, and even insurance companies might lower your premiums. Think of it as a key opening doors to savings and financial flexibility.

Steps to Boost Your Credit Score 

Improving your credit score might sound tough, but it’s really about building simple, good habits. Here are some easy tips to help you start:

1. Pay Bills On Time 

This is really important. Payment history is 35% of your credit score. Set reminders or set up automatic payments so you never miss them or get charged late fees.

2. Keep Credit Card Balances Low 

Your credit utilization ratio (the percentage of credit you’re using) is another huge factor. Stick to using less than 30% of your available credit. For example, if your credit limit is $1,000, keep your balance below $300.

3. Avoid Opening Too Many Accounts 

Every time you apply for credit, it causes a hard check on your credit report, which can lower your score for a short time. Be smart about opening new accounts.

4. Check Your Credit Report Regularly 

Mistakes happen. If there’s incorrect information dragging your score down, dispute it. Sites like AnnualCreditReport.com make accessing your credit report free and easy.

5. Pay Down Debts 

The less debt you have compared to your total credit limit, the better. Focus on paying off high-interest debts first.

6. Be Patient 

Building credit takes time. A solid history of responsible money management works wonders over the long haul.

The Role of Small Loans in Fixing Credit 

Sometimes, taking a small personal loan is a smart way to build or repair credit. Products like those offered by platforms are designed for emergency needs but can also contribute to healthier finances when managed responsibly.

A small loan, used wisely, adds a positive payment history to your credit report, showing lenders that you’re reliable.

However, use loans as a tool, not a crutch. Always ensure you can handle the repayment terms before committing.

Building Credit Is a Journey

Your credit score shouldn’t feel like a number looming over your head forever. Instead, think of it as a tool that grows alongside you as you make smart decisions and stay vigilant about your finances.

Whether you’re just starting out or trying to rebuild, even small changes in your habits can lead to a big payoff.