How Digital Money Promotes Financial

Financial services professional Delaena Kalevor possesses a diverse background in portfolio management, business development, and payment solutions. Delaena Kalevor has also written extensively on topics related to economics and macro-finance. In a 2019 blog post, he describes the revolutionary applications of digital money in the humanitarian sector.

One of the biggest obstacles to delivering sustainable humanitarian aid in underdeveloped regions is access to capital. People living in the most underdeveloped regions in the world often do not have access to banks or financial instruments such as credit cards or checks, which hinders their ability to save, start businesses, or pay for necessities.

The development of digital payment platforms and cryptocurrencies has expanded access to financial services since most unbanked people have a smartphone device. This has enabled people living in remote regions to receive remittances, a financial lifeline for billions of people, and spend these funds within their community. These systems also allow unbanked people to receive government welfare and pay utilities and school fees safely.

Funding Aspects of Corporate Finance

Based in Irvine, California, Delaena Kalevor is a strategic finance professional who consults with institutional clients in defining optimal equity investment pathways. One area in which Delaena Kalevor has in-depth background is corporate finance, which centers on the manner in which companies handle capital structuring and funding activities, as well as investment decisions.

A primary aim of these activities is for the corporation to maximize shareholder value, both across the short term and long term. When it comes to capital investment decisions, factors considered include required capital expenditures and future cash flows that can be expected from the proposed project or allocation.

Potential investments that are assessed as likely to generate relatively high returns may be included within the company’s capital budget. These decisions are often overseen by a dedicated department, as they can have a serious impact on the firm’s financial position, due to operating capacity limitations, as well as elevated financing costs.

The latter consideration relates to another aspect of the corporate finance equation, sourcing capital in the form of equity or debt. Capital raising often takes the form of commercial bank loans, or it can involve issuing debt securities via investment banks in the capital markets. In cases where significant funds are required for rapid expansion, stock may also be sold to equity investors. Whatever the financing mechanism, managing the borrowed money to achieve growth targets and pay back the principal, along with the interest, is the priority.