Press Release
Michael Terence Rave, Esq.: A Leading Legal Authority in Corporate, SEC, and MandA Law Highlights 2024 banking and capital markets outlook.
Pennsville, NJ, 22nd November 2024, ZEX PR WIRE, Michael Terence Rave, Esq., a distinguished attorney with over 25 years of expertise in Corporate, SEC, and M&A law, continues to set industry standards through his exceptional legal acumen and strategic insights. With a career spanning diverse roles, from Contract Attorney to Partner at top-tier law firms, Michael has made significant contributions to corporate governance, securities regulations, and complex M&A transactions.
The banking industry is set to face significant challenges in 2024 due to a slowing global economy and a varied economic landscape. Banks will encounter new tests in their ability to generate income and manage costs effectively. The foundational structure of the banking and capital markets industry is being reshaped by multiple disruptive forces, including rising interest rates, shrinking money supply, stricter regulations, climate change, and geopolitical tensions.
The rapid advancement of new technologies, along with the convergence of various trends, is transforming how banks operate and meet customer needs. In 2024, the impact of generative AI, industry convergence, embedded finance, open data, digital money, decarbonization, digital identity, and fraud will become increasingly significant. While banks are generally on stable ground, their revenue models will be under pressure, leading them to seek new sources of value in a capital-constrained environment.
Investment banking, sales, and trading sectors will need to adapt to evolving competitive dynamics, particularly as the growth of private capital challenges these sectors to provide more value to corporate and buy-side clients. The shocks experienced by global banking in early 2023 have prompted the industry to reevaluate their strategies. As bank leaders focus on proposed regulatory changes concerning capital, liquidity, and risk management for U.S. banks, there remains much work to be done in evolving business models.
Global economic challenges, driven by factors like supply chain disruptions, changing trade relationships, and ongoing geopolitical tensions, will complicate economic growth worldwide. Extreme weather events such as floods, heatwaves, and hurricanes may further disrupt the economy.
The International Monetary Fund (IMF) projects global economic growth to be limited to 3.0% in 2024, with advanced economies, including the United States, Euro area, Japan, the United Kingdom, and Canada, expecting tepid growth of 1.4%. However, emerging economies like India are anticipated to experience stronger growth due to robust consumer demand, younger demographics, and improving trade balances.
Conversely, China faces potential economic slowdown with weak consumer demand and troubled property markets, which could challenge global supply chains and hamper recovery. Efforts to restore confidence in China’s consumer and corporate sectors may influence economic growth in other countries, particularly in Asia.
Global inflation is expected to decrease to 5.2% in 2024 from a peak of 8.7% in 2022, but central banks will continue fine-tuning their monetary policies. In the U.S., the federal funds rate is expected to stay elevated at or above 550 basis points into 2024, with a potential drop to between 450 and 500 basis points in the latter half of the year. Other central banks, such as the European Central Bank, Bank of England, and Bank of Canada, are also expected to adjust their policy rates accordingly.
Central banks’ quantitative tightening measures will lead to a contraction in the global money supply. In the U.S., the money supply, measured by M2, is declining at its fastest rate since the 1930s.
Since June 2022, Michael has excelled as a Contract Attorney, collaborating with various corporations and law firms on intricate corporate, securities, and M&A projects. His ability to navigate the complexities of these areas has made him a sought-after expert in the legal community.
From September 2020 to May 2022, Michael served as an SEC/M&A Attorney at Valley National Bank, where he ensured strict compliance with SEC and Nasdaq regulations. He also played a crucial role in managing M&A transactions, coordinating capital markets activities, and overseeing corporate governance.
Michael’s tenure at Day Pitney LLP, from October 1998 to September 2020, saw him rise from Associate to Partner. During this time, he provided expert advice on corporate governance, navigated SEC and stock exchange regulations, and led significant M&A transactions, including mergers and joint ventures valued at up to $2 billion. His leadership in managing capital markets transactions across various industries further solidified his reputation as a leading legal authority.
Michael began his career as an Associate at Greenbaum Rowe Smith Ravin Davis & Himmel, where he contributed to drafting and reviewing SEC filings, LLC operating agreements, partnership agreements, and corporate governance documents.
In addition to his legal practice, Michael is the Founder and CEO of Brandywine Legal Recruiting, LLC, a firm dedicated to placing corporate attorneys. His leadership extends beyond the legal field, as he is a passionate triathlete training for nationals and a committed volunteer at the Brandywine Valley SPCA, where he serves as a lead volunteer.
Michael’s legal expertise is particularly relevant in the context of the evolving 2024 banking and capital markets landscape. As the industry faces challenges such as higher interest rates, reduced money supply, and assertive regulations, Michael’s deep understanding of corporate governance and regulatory compliance positions him as a key advisor in navigating these complexities. The exponential pace of new technologies, coupled with disruptive forces reshaping the banking industry, underscores the importance of Michael’s role in guiding corporations through these transformative times.
Michael holds a J.D. from The Catholic University of America, Columbus School of Law, and a B.A. in Financial Management from The Catholic University of America. His work has been featured in the NJ Law Journal, and he has authored numerous articles on corporate law.
For media inquiries, please contact:
Location: Pennsville, NJ
LinkedIn:linkedin.com/in/michael-rave-887b3984
About Michael Terence Rave, Esq.:
Michael Terence Rave, Esq. is a distinguished attorney specializing in Corporate, SEC, and M&A law. With over 25 years of experience, Michael has held various roles in top-tier law firms and corporations. He is the Founder and CEO of Brandywine Legal Recruiting, LLC, and is actively involved in community service as a lead volunteer at the Brandywine Valley SPCA.
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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
Brikyland & Inovartic Partner for UAE Tokenized Real Estate & Green Investments
Brikyland Technologies, a leading blockchain based real estate tokenization platform, and Inovartic Investments, a Abu Dhabi based innovation and technologies driven investment firm, are pleased to announce the signing of a strategic Joint Venture Partnership aimed at jointly exploring, developing, and implementing tokenized real estate and green asset backed investment technologies in the United Arab Emirates.
This landmark collaboration is set to leverage blockchain, smart contract infrastructure, and digital asset frameworks to unlock new models of fractional ownership, liquidity, and transparency in the real estate and sustainable investment space. The joint venture will operate in full compliance with ADGM’s evolving regulatory environment governing virtual assets and digital finance.
Key Objectives of the Partnership:
1. Develop a UAE based tokenization platform for premium real estate and green assets
2. Enable compliant fractional ownership structures using blockchain and smart contracts
3. Introduce innovative investment vehicles aligned with ESG principles and sustainability mandates
4. Collaborate with regulatory bodies to ensure alignment with national digital asset policies
The agreement follows the UAE–Vietnam Business Forum held on April 10, 2025, at the Abu Dhabi Chamber of Commerce, where both entities reaffirmed their commitment to advancing technology cooperation. This partnership reflects that vision by strengthening cross-border collaboration in emerging technologies and green finance.
“This partnership with Brikyland Technologies is a natural extension of our vision to drive the next generation of asset backed investment solutions rooted in transparency, sustainability, and technological advancement“, said Anwar Hussein, Managing Partner and Co-founder of Inovartic Investments. “Together, we are laying the foundation for a new era of real estate investment and green asset monetization in the UAE.”

Dr. Dang Ha Lam, Founder Chairman and CEO of Brikyland Technologies, added, “Our technology is designed to make real estate and green assets more accessible and tradable. Partnering with Inovartic opens up strategic opportunities to expand our footprint in the UAE with a focus on institutional grade solutions and compliance-first innovation.”
Saif Aldarmaki Chairman and Co Founder of Inovartic Investments, stated:
“This joint venture is a direct outcome of the momentum built during the UAE–Vietnam Business Forum hosted by the Abu Dhabi Chamber of Commerce on April 10, 2025. It reflects our shared commitment to advancing cross-border innovation and sustainable investment. By integrating Brikyland’s blockchain technology, we aim to pioneer next-generation asset-backed financial solutions that align with the UAE’s digital economy vision and deepen our commercial ties with Vietnam.”

Founding Advisor of Brikyland Technologies Dr Phillip Thai Pham (BA MIT, Dr. Stanford)
commented: “We welcome this strategic joint venture as a timely and progressive step that aligns with Vietnam’s commitment to fostering global partnerships in innovation and sustainable development. The collaboration between Brickyland and Inovartic reflects the spirit of cooperation highlighted during the UAE–Vietnam Business Forum. We believe this initiative will open new investment channels, create high impact technological applications, and strengthen the economic bridge between our two nations.”
The venture is expected to roll out projects in key real estate developments and green asset backed initiatives across the UAE, with further announcements to follow in the coming months.
About Briky Finance
Briky Finance is a decentralized real estate tokenization platform where we enable fractional ownership from $100. Briky Finance was born from Brikyland Real Estate Exchange Joint Stock, based in Hanoi, Vietnam. Operating since 2019, we now have 3 headquarters and 26 branches nationwide.

Our mission is to make real estate ownership accessible to everyone by leveraging blockchain technology for greater transparency and liquidity. We aim to build a modern, fair ,and approachable real estate market for people worldwide.
Contact Us
Linkedin: https://www.linkedin.com/company/briky-finance/
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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
First Aid Training For Schools Celebrates 5,000 Trained Educators and Announces UK-Wide Expansion
First Aid Training For Schools, the UK’s specialist provider of first aid education for educational professionals, today announced it has successfully trained over 5,000 school staff members across the country, reaching a significant milestone in its mission to create safer learning environments.
Building on this achievement, the company has unveiled a comprehensive nationwide expansion plan that will extend its expert-led training programmes to more educational institutions throughout the UK.
Get more information about First Aid Training For Schools here: https://www.firstaidtrainingforschools.com/

Creating Safer Schools Through Specialist Training
Since its founding, First Aid Training For Schools has focused exclusively on the unique first aid needs of educational environments. The company’s specially tailored programmes have prepared thousands of teachers, teaching assistants, administrators, and support staff with the practical skills needed to respond effectively during medical emergencies in school settings.
“Reaching the milestone of 5,000 trained educators represents a significant step toward our vision of safer schools,” says Derek Bruce, Director of First Aid Training For Schools. “Each trained staff member contributes to a school environment where emergencies can be handled promptly and effectively, potentially making a life-saving difference for students and colleagues alike.”
This milestone comes at a time when awareness of first aid preparedness in educational settings continues to grow. Department for Education statistics indicate that thousands of school-related injuries and medical emergencies occur annually, highlighting the importance of having properly trained staff on site.
Nationwide Expansion Initiative
The company’s expansion strategy involves establishing new dedicated training centres in strategic locations across the UK. Initial facilities are scheduled to open in Manchester, Edinburgh, Cardiff, and Birmingham within the next six months, with further centres planned for Leeds, Southampton, Norwich, and Belfast by early 2026.
This growth will be supported by the recruitment and development of additional specialist trainers, all of whom have both educational and first aid backgrounds, ensuring training is contextually relevant for school environments.
“We’ve experienced growing demand from schools in regions where we currently have limited capacity,” explains Derek Bruce. “Our expansion directly addresses this need, ensuring that high-quality, school-specific first aid training is accessible to educational institutions across the entire UK, regardless of their location.”
The company is committing over £150k to this expansion, funding advanced training equipment, realistic simulation resources specifically designed for school scenarios, and innovative digital learning tools to complement face-to-face sessions.
Enhanced Educational-Specific Training
As part of its growth initiative, First Aid Training For Schools is introducing expanded course content that addresses the evolving health and safety challenges faced in modern educational environments. New specialised modules cover topics such as managing severe allergic reactions, responding to asthma emergencies, addressing mental health crises, and handling sports-related injuries.
All training materials have been developed in collaboration with both medical professionals and experienced educators to ensure content is both medically accurate and practically applicable within school settings.
First aid requirements in educational environments present unique challenges. The training delivered by First Aid Training For Schools addresses these specific needs, focusing on age-appropriate techniques, school-specific emergency scenarios, and the particular duty of care responsibilities that educational professionals hold.
Regulatory Compliance and Recognition
All programmes offered by First Aid Training For Schools fully comply with Department for Education guidelines and Health and Safety Executive (HSE) requirements. The company’s certifications are recognised by all relevant educational and regulatory authorities, ensuring schools meet their statutory obligations for first aid provision.
School Partnership Programme
Beyond its core training operations, First Aid Training For Schools has demonstrated a commitment to building long-term relationships with educational institutions through its School Partnership Programme. This initiative provides comprehensive first aid training strategies tailored to each school’s specific needs and environment.
The expansion will enable this programme to grow substantially, with plans to partner with hundreds of additional schools across the UK by 2027.
“We firmly believe that every child deserves to learn in an environment where staff are properly prepared for emergencies,” says Derek Bruce. “Our School Partnership Programme ensures schools receive training that addresses their specific requirements and circumstances.”
Future Developments
As First Aid Training For Schools implements its expansion plans, the organisation maintains its focus on its founding mission of enhancing safety in educational environments through specialised training.
Future initiatives include developing a comprehensive digital learning platform specifically for ongoing refresher training, establishing research partnerships with educational safety organisations, and potentially extending services to international British curriculum schools.
“Training 5,000 educators is a significant achievement, but it’s only the beginning,” concludes Bruce. “With our nationwide expansion, we’re working toward a future where every school in the UK has staff trained to the highest standards in educational first aid. This is about creating genuinely safer learning environments for all students and staff.”
About First Aid Training For Schools
First Aid Training For Schools is the UK’s leading specialist provider of first aid training specifically designed for educational environments. Offering fully compliant courses that meet all regulatory requirements, the company combines medical expertise with educational context to ensure school staff develop both the knowledge and confidence needed to respond effectively in emergency situations within school settings.
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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
Independent Filmmaker Amartya Sinha Garners Global Recognition with Bengali Film Asampurno, a Bold Narrative on Article 377
From Dreams to Accolades: The Inspiring Journey of Filmmaker Amartya Sinha and His Award-Winning Debut Feature Asampurno
“Life is what happens when you’re busy making other plans.” – John Lennon
Kolkata, WB, 18th April 2025, ZEX PR WIRE, For filmmaker Amartya Sinha, the love for cinema wasn’t just a phase — it was a calling. Starting his creative journey through writing at a young age and later immersing himself in the media industry, he nurtured a dream that quietly grew louder with time. But it wasn’t until the COVID-19 pandemic that he found the clarity and courage to act on it.
With the unwavering support of his wife, Amartya took the plunge — and Asampurno (meaning Incomplete) was born. A Bengali feature film rooted in sensitivity and courage, Asampurno explores the complex and emotional narrative surrounding the abolishment of Article 377 in India — a historic turning point in the country’s LGBTQ+ rights movement.
Choosing such a socially bold topic for his debut was never going to be easy. But as Amartya reflects, “Sometimes you have to have conviction in your belief.”
That conviction paved the way for global success.
Over the last three years, Asampurno has earned widespread acclaim across prestigious international film festivals, including:
– USA Star Hollywood Awards
– Nexus International Film Festival
– San Diego Film Awards
– Swedish Academy of Motion Picture Awards
– Venice Grand Cine Celebration
– Russian Institute of Cinema and Performing Arts Awards (Best Debut Director)
Even more powerful than the awards was the film’s ability to resonate universally. Audiences from Dubai to Singapore connected deeply with the human story at its core — proof that powerful storytelling knows no language or border.
The film’s biggest milestone came when Asampurno was picked up by Amazon USA, bringing Amartya’s voice to a global audience and cementing his place among bold, independent voices in world cinema.
“The life of an independent filmmaker is full of challenges, but one must not stop persevering,” says Sinha. “You never know when your story will find its audience. I believe in this romantic pursuit of storytelling and I’m praying for the opportunity to keep doing what I love — telling stories that matter.”
In an industry often driven by commercial trends, Asampurno and Amartya Sinha stand as reminders of the enduring power of purpose-driven cinema — and the magic that unfolds when passion meets perseverance.
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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.
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