Press Release
Numeral and BNP Paribas Partner to Power WorldFirst and Europe’s Leading Payments Companies
This partnership will enable WorldFirst to serve its European customers better.

Paris, France, 4th Jun 2024 – Numeral, the payments technology provider, and BNP Paribas, Europe’s leading bank, today announced a partnership to enable payment companies, including WorldFirst, Alma, Swile and Floa, to embed SEPA and local payments into their products seamlessly, become SEPA participants, and optimise their payment operations at scale.
This bank-fintech partnership will enable WorldFirst, a one-stop digital payment and financial services platform for global businesses, especially SMEs in international trade, to better support its European merchant clients for Euro collections by offering these businesses accelerated payment processes and heightened security throughout the European Economic Area (EEA).
WorldFirst is committed to integrating into more regional and local payment schemes, thereby empowering SMEs to seamlessly conduct trade and business operations across the globe. Currently, WorldFirst customers can have multi-currency World Account with payments to 200+ markets worldwide in over 100 currencies, 90% of which are settled within the same day.
”BNP Paribas has strong ambitions to support global and European fintech leaders in addressing the European market and helping the future champions emerge. As Europe’s leading bank, BNP Paribas offers the pan-European payment, treasury, and account solutions to do so. This strategic partnership with Numeral enables us to distribute these services more efficiently to our customers,” says Marc Espagnon, Head of Cash Management at BNP Paribas.
This partnership allows joint customers to easily access BNP Paribas’ services through Numeral’s single API and dashboard, which facilitates integration with fintechs’ modern architectures. As a result, payment companies benefit from faster time to market, reduced maintenance costs, and a future-proof payment infrastructure thanks to BNP Paribas’ extensive local payment systems coverage.
“Banks are critical to fintechs’ success, as they provide access to payment schemes, accounts and additional financial services that are core to fintechs’ offerings. Partnering with BNP Paribas gives our joint customers access to one of the biggest catalogues of services and the strongest expertise to scale in Europe,” says Édouard Mandon, co-founder and CEO at Numeral. “Numeral aggregates BNP Paribas best-in-class solutions into a single cloud-native, API-first platform from which joint customers can automate their payment operations across Europe”.
Through this partnership, joint clients can access SEPA, including SEPA instant, and Polish, Nordic, and Swiss payment schemes, access their BNP Paribas account information in real-time, and automate treasury payments to optimise their safeguarding operations.
“Originally established in London two decades ago, WorldFirst has evolved into a global company, proudly serving over a million SMEs. With a strong heritage and focus on the European market, WorldFirst will continue to offer tailor-made solutions that cater to the unique needs of businesses within this key region. To that end, we will work towards becoming a SEPA participant via partnering with a leading sponsor bank. This partnership will enable our European customers to benefit from Europe’s leading banking expertise and fintech innovation, so they can access fast, easy and secure payment and collection services in Euros through WorldFirst,” said Clara Shi, CEO of WorldFirst.
For more details, contact Matthieu Blandineau from Numeral at press@numeral.io.
About BNP Paribas
BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 63 countries and has nearly 183,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group’s performance and stability.
About WorldFirst
WorldFirst is a one-stop payment and financial services platform for SMEs engaged in global or cross-border trade. WorldFirst is empowering SMEs to successfully execute their strategic growth plans with technology. Through the World Account, WorldFirst is meeting the needs of SMEs engaged in international trade or business, both online via marketplaces or websites, as well as offline to support importers and exporters. This includes collections (receiving payments), making payments, currency conversion risk management and supply chain financing to help customers reduce costs, improve turnover efficiency to generate more revenue and sales, and quickly capture global business opportunities.
About Numeral
Numeral is a payment technology provider which delivers the infrastructure for fintechs and banks to connect to partner banks, access schemes, and automate payment operations.
Through its payments, reconciliations, treasury, and risk and fraud management capabilities, Numeral enables its customers to launch new products and expand geographically faster, reduce total cost of ownership and make their payments more resilient.
Numeral provides the payment infrastructure for European and global fintech leaders like WorkdFirst, Swile, Argentex, Deblock and Alma. Numeral also partners with Europe’s leading banks, including BNP Paribas, Barclays, BNP Paribas, HSBC, BPCE, and ABN AMRO. Launched in 2021, Numeral has raised €13m from world-class investors like Balderton and eFounders.
Media Contact
Organization: Numeral
Contact Person: Matthieu Blandineau
Website: https://www.numeral.io/
Email: Send Email
City: Paris
Country: France
Release Id: 04062412827
The post Numeral and BNP Paribas Partner to Power WorldFirst and Europe’s Leading Payments Companies appeared first on King NewsWire. It is provided by a third-party content provider. King Newswire makes no warranties or representations in connection with it.
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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
Andrew Veerathanongdech Air Force Highlights the Power of Daily Habits and Accountability
Pennsylvania, US, 17 Dec 2025, ZEX PR WIRE, Former U.S. Air Force Instructor Pilot and current Air Transport International First Officer Andrew Veerathanongdech is using his recent feature interview to raise awareness about the importance of daily habits, accountability, and emotional reset practices — tools he says helped him rebuild after major setbacks and continue performing at a high level in aviation and in life.
Through personal stories from his Air Force career and civilian aviation journey, Veerathanongdech urges individuals to adopt simple routines that support clarity, resilience, and long-term mental health.
“I define success by your habit patterns,” he says. “Good habits protect you on the days you’re tired or stressed. Consistency creates momentum.”
Advocating for Habit-Building in a High-Stress World
Veerathanongdech explains that many people underestimate the power of small, daily behaviors. In aviation, consistency is tied directly to safety — but he believes everyday life works the same way.
This message comes at a time when stress is rising across industries:
- 83% of U.S. workers report experiencing work-related stress (American Institute of Stress).
- Burnout contributes to nearly $1 trillion in global economic losses each year (World Health Organization).
- People who follow structured routines are 30–50% less likely to experience stress-related symptoms (NIMH).
“Habits protect you from emotion,” he says. “Even at home, something as small as tidying the night before sets the tone for the next day. Good routines make everything easier.”
Promoting Reset Practices When Overwhelmed
In the interview, Veerathanongdech emphasizes the importance of stepping away — a small but powerful technique he learned during high-pressure moments in the cockpit.
“When I feel overwhelmed, I step away for a few minutes,” he explains. “A reset is often smarter than pushing. Even a short pause can save you from big mistakes.”
Research supports his approach. Short mental resets have been shown to:
- Improve decision-making accuracy by up to 45%
- Lower cortisol levels within five minutes
- Boost focus for the next 60–90 minutes
Encouraging Accountability as a Personal Standard
Veerathanongdech also advocates for accountability as a core life skill.
“There’s no ego in the cockpit,” he says. “The people who grow fastest are the ones who own their mistakes and learn from them.”
He believes taking responsibility — even privately — helps people move forward after setbacks, both big and small.
Build Small Habits Today
Veerathanongdech encourages people to make progress through simple, manageable steps:
- Start one small daily habit — like making your bed, stretching, or reviewing your goals.
- Practice honest self-review once a week.
- Reset when overwhelmed instead of pushing through mindlessly.
- Don’t let fear stop you — “Have someone else say no; don’t say no to yourself,” he says.
“You don’t need a giant plan,” he adds. “You just need one small action that you repeat. That’s how you build discipline, confidence, and growth.”
To read the full interview, visit the website here.
About Andrew Veerathanongdech Air Force
Andrew Veerathanongdech is a former U.S. Air Force instructor and evaluator pilot known for his precision, leadership, and commitment to consistent improvement. He served at McGuire and Travis Air Force Bases, becoming the youngest instructor pilot invited to teach at the KC-10 schoolhouse. Today, he is a First Officer at Air Transport International and continues to share lessons on discipline, resilience, and habit-building.
Contact:
Info@aveerathanongdechpilot.com
About Author
Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
Josiah Hill of Seattle Brings Systems Leadership to Healthcare and Operations Work
Seattle, WA, 17 Dec 2025, ZEX PR WIRE, Josiah Hill Seattle is a systems-focused professional whose background spans medicine, operations, and business leadership. Based in Seattle, he works in complex environments where structure, timing, and accountability drive outcomes. His experience reflects a career built around coordination, execution, and readiness rather than public-facing roles.
Hill earned his Doctor of Medicine and Master of Science degrees from the University of South Florida. He completed residency training in emergency medicine at Tampa General Hospital. He later earned an MBA from Eastern Washington University, adding formal business and operational training to his academic foundation. This combination shaped a career focused on systems management and organizational performance.
Early in his career, Hill served as an officer in the U.S. Coast Guard. His roles included navigation, operations, and medical leadership within maritime environments. He worked inside multi-agency settings where clear chains of responsibility and disciplined execution were required. His responsibilities involved coordination across teams, logistics oversight, and mission planning in high-risk conditions. These experiences established a practical approach centered on preparation, communication, and decision-making under pressure.
After transitioning from military service, Hill moved into civilian roles connected to healthcare systems and medical infrastructure. Rather than emphasizing patient-facing work, his focus shifted toward operational support, implementation, and coordination within healthcare organizations. He contributed to regional medical technology operations, supporting training, rollout, and field execution across distributed teams. His work emphasized consistency, process clarity, and alignment between technical systems and human operators.
Josiah Hill Seattle has managed cross-functional groups that include clinicians, technical specialists, and business stakeholders. He has supported initiatives involving large budgets, complex timelines, and multiple points of accountability. His role in these settings centers on translating complex requirements into structured workflows teams can execute reliably.
Hill’s professional identity reflects a blend of medical training and operational leadership. He approaches healthcare as a system rather than a single function. His MBA training supports a focus on scalability, process improvement, and performance measurement. This perspective allows him to work effectively at the intersection of healthcare delivery, technology deployment, and organizational management.
Seattle serves as the current base for Hill’s work. The region’s concentration of healthcare organizations, technology firms, and operationally complex enterprises aligns with his background. From this location, he contributes to projects that demand disciplined execution and coordination across roles and departments.
Throughout his career, Hill has emphasized readiness over visibility. He values preparation, trust within teams, and clarity of responsibility. His work often takes place behind the scenes, supporting frontline performance through structure and planning rather than public-facing leadership.
Josiah Hill Seattle continues to apply lessons drawn from military operations, medical training, and business leadership to modern organizational challenges. His background supports roles where precision, reliability, and systems thinking matter. He operates in environments where errors carry consequences and where disciplined processes protect outcomes.
His experience reflects sustained work inside high-pressure systems rather than short-term or promotional roles. Across settings, his approach stays consistent. Define responsibilities. Build repeatable processes. Support teams with clear structure. Execute with focus.
This systems-oriented profile positions Josiah Hill Seattle as a professional grounded in operations, coordination, and leadership across complex environments. His work reflects a commitment to structure, accountability, and durable performance within organizations that depend on precision and trust.
About Author
Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
Steven Jermoluk Florida: Redefining Construction Estimating Through Precision, Planning, and Process
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Florida-based estimator brings decades of structure, economic insight, and coordination to high-end development.
Florida, USA, 17 Dec 2025, ZEX PR WIRE, Steven Jermoluk’s name rarely appears on building signage, but his work touches nearly every stage of construction long before the first foundation is poured. A Florida-based construction estimator with a background in both economics and education, Steven Jermoluk has quietly earned a reputation for precision in a field where accuracy can mean the difference between profit and loss, clarity and chaos.
With experience spanning multimillion-dollar residential estates and large-scale commercial projects, Jermoluk is known for more than technical skill. His approach blends financial discipline, structured collaboration, and deep respect for the complexities of the construction process. While many see estimation as number crunching, Jermoluk sees it as risk mitigation through foresight.
Construction Estimating as Strategic Infrastructure
Every major project begins with a question: can it be built on time and within budget? Steven Jermoluk’s role is to ensure the answer is yes — backed by data, not guesswork.
His estimating process begins with comprehensive scope analysis. Plans and drawings are reviewed line by line, trade by trade. He deconstructs complex builds into measurable, sequenced parts, flagging inconsistencies and overlaps before they become liabilities.
“Good estimating is less about prediction and more about preparation,” says Jermoluk. “The numbers aren’t abstract—they’re a mirror of design, labor, material conditions, and timeline constraints. My job is to make sure what’s on paper translates cleanly to what gets built.”
This clarity has earned him the trust of architects, developers, and general contractors across Florida. His estimates form the foundation for decisions around procurement, staffing, and sequencing—essential pillars of project execution.
The Economics of Building Smart
Jermoluk holds a B.S. in Economics from Florida State University, and it shows. His financial modeling isn’t limited to raw totals. He applies market analysis, regional pricing intelligence, and statistical risk scenarios to deliver projections that hold up under real-world stress.
Material volatility, labor shortages, and scope creep aren’t surprises—they’re calculated inputs in his methodology. This allows clients to build with confidence, knowing their bids account for both present costs and foreseeable shifts.
“Steven’s estimates go beyond the obvious,” said one Florida-based developer. “He outlines what we’re not seeing, explains what’s likely to change, and gives us the tools to adapt. That kind of foresight is rare.”
Structure, Carried Forward from the Classroom
Before entering construction, Jermoluk spent over two decades in education. He taught history and peer counseling, disciplines that demanded communication, structure, and the ability to simplify complexity without sacrificing depth. Those same skills are now core to his estimating process.
He’s deliberate in how he presents budgets and bid packages. Assumptions are documented. Deliverables are traceable. Risks are categorized and communicated. Every document serves as a guide, not a puzzle.
“Construction teams make fast decisions under pressure,” Jermoluk explains. “My role is to give them clarity, early on, so they’re not making those decisions blind.”
His documentation doesn’t sit in a file cabinet. It flows across departments—architecture, procurement, engineering, finance—and becomes a living blueprint for project alignment.
Quiet Precision in a High-Stakes Sector
Luxury construction leaves little room for error. Custom materials, high client expectations, and layered subcontractor networks increase exposure. Jermoluk’s focus on early-phase accuracy protects downstream outcomes.
In recent years, he’s worked on estimates for projects exceeding $80 million in scope. His cost models reflect not only quantity takeoffs and labor hours, but local permit fees, freight logistics, installation challenges, and seasonal variations.
“He’s not a spreadsheet guy,” said a senior site manager on a recent commercial build. “He’s a systems thinker. When Steven hands you an estimate, it’s already been tested against the build.”
Global Perspective, Grounded Ethic
Outside of work, Jermoluk supports several health-focused nonprofits and has participated in volunteer service abroad, including hands-on projects in India and France. Those experiences reinforce a professional ethic rooted in reliability and responsibility.
“I’ve learned that wherever you go, planning matters,” he reflects. “Whether you’re estimating a 30,000-square-foot build or coordinating a service project overseas, the outcomes are shaped by how clearly you prepare.”
A Steady Force in an Unsteady Market
Steven Jermoluk Florida continues to serve as a reliable partner to project teams who want more than a bottom line. His work represents discipline, forethought, and a deep respect for the people behind the plans.
In an industry often shaped by urgent timelines and shifting priorities, his presence signals something different: calm, controlled execution built on knowledge, not noise.
About Author
Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
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