is increasingly being considered one of the major drivers of digital transformation in Africa and other parts of the world. This is partly because it has the power to change lives and communities, allowing them the opportunity to access different services and contribute to the growth of their economies. There is thus no gainsaying the importance of tools like digital identity that enable financial inclusion to the overall digital transformation agenda of many African countries, including those of the Central Africa subregion, grouped under the umbrella of the Central Africa Economic and Monetary Community (CEMAC). These countries include Cameroon, Central African Republic, Chad, Republic of Congo, Equatorial Guinea and Gabon and have a combined population of more than 60 million people. The region has an ambitious plan to achieve a 75 percent financial inclusion rate by 2030 through an initiative by the Bank of Central African States (BEAC) to ensure the establishment of across the six countries in the next five years. The mid-term plan is to have 350,000 such payment points by 2027. It’s worthy of note that this part of the continent faces considerable economic inequalities that seriously threaten the realisation of this ambition. ID4Africa Executive Chairman, Dr. Joseph Atick, and Cameroonian tech startup consultant, Ayuk Etta, share their expert views on how the CEMAC subregion can lay the foundation for a stronger financial inclusion push in order to advance economic growth and development. CEMAC is considered the least developed and least tech-driven subregion in Africa, despite its huge economic growth potential and strategic geographical location of its member states. A large segment of the population here remains either unbanked or underbanked, which hinders both development and economic freedom especially among vulnerable groups of persons such as women and adults with lower-incomes. According to the International Monetary Fund (IMF) and the World Bank’s , the number of adults in this region who are unbanked is below the global average. It is the same case with Cameroon which is considered the region’s biggest economy, as well as all the other five countries. In the Republic of Congo, just around 18 percent of adults were said to have a formal relation with banking institutions as of 2021. The situation is in the Central African Republic where less that 15 percent of the population is said to have a bank account, while just around 14 percent of adults are able to participate in any form of financial transaction such as mobile money services. At least 74 percent of women across the subregion are estimated to be financially excluded. In its , BEAC noted that the overall rate of financial inclusion in the subregion stood at 32 percent as of that year. What this means, experts say, is that innovative tech solutions as well as the right digital infrastructure and policies could possibly offer a window to effectively address major loopholes in financial accessibility in the region. The low level of financial inclusion within CEMAC, just like in other regions of Africa, is blamed on a litany of factors which include a paucity of digital public infrastructure, high cost, a weak and unaligned regulatory environment, and other socio-economic factors such as a high rate of poverty among countries of the subregion. To enable wider participation in the financial ecosystem of CEMAC, it is vital to consider changes to a number of things, including enhancing efforts in financial literacy. It also requires starting from the basics such as building the appropriate digital public infrastructure (DPI), says digital ID expert and Executive Chairman, Dr Joseph Atick. “I think the very first thing, of course, is getting people into the national population registers. If they are not registered, then there is nothing you can do to enable them to participate. It is clear from the standards and best practices within the financial sector that identity is a pillar upon which you have to build financial services,” he tells in an interview. “You cannot do anonymous if you are to protect the financial ecosystem from being hijacked from fraud, from criminal activity, from money laundering, from the criminal networks that will exploit it. You must have a reliable, robust identity system that has maximum coverage of the population. That is the prerequisite for financial inclusion. You can’t talk about financial inclusion without talking about identity.” Further stressing the place of digital identity in financial inclusion, Atick avers: “Financial inclusion is highly correlated and related to digital identity. And our statistics show that the penetration of digital identity is very low in the Central Africa region, which is actually among the regions that are hardest hit by certain economic conditions. This can have a corresponding [negative] impact on financial inclusion. I expect that financial inclusion has a long way to go in many areas in Africa.” , a Cameroonian tech startup architect agrees with Atick on the need for robust digital infrastructure such as digital identity, which for now, is almost entirely inexistent in CEMAC countries. At the moment, only a national digital ID system as part of its DPI journey. “To do this, I think it’s important to implement strategies, set up the right infrastructures, get the appropriate policies and innovative methods to be able to push the agenda of financial inclusion,” Etta notes. “I believe the infrastructure needs to be extended to be able to get to those people down there. That would also mean building more digital infrastructure generally speaking, like digital identity systems. We understand this is an important aspect of driving financial inclusion. We also need interoperable data exchange platforms.” “If we don’t build this infrastructure, which I believe is the driving force of digital transformation, we will not go far. It will always be at a level where we are trying, or not getting it done. If digital identity is not properly implemented, there are many things that cannot happen. Financial inclusion is also about how people access loans easily. If you cannot properly identify somebody digitally, for instance, you cannot give them a digital loan,” Etta, who’s also CEO of , a tech and innovation company in Cameroon, argues. Beyond the infrastructure, financial inclusion would see a leap forward in CEMAC if the right policies and platforms exist. “The number two thing is that you have to have the right policies in place which are going to establish what would constitute acceptable identity authentication for identity transactions. So, be it for onboarding or identity transactions, you have to have a policy. Saying that we’re going to do biometric authentication for every transaction, no matter what value it is and what context it is, doesn’t make any sense,” Atick holds. “You have to have a policy that is basically a risk-based policy. And we have lots of experience in that. Some countries started with their own policies, and over time, they started to understand it. Luckily, there is a lot of knowledge now that we can share on this point. This is why we’re doing the Financial Inclusion Symposium at the ID4Africa Annual General Meeting next year [ ], because these countries are going to share their knowledge and experiences.” “The symposium at the AGM will basically be on digital identity and finance. It’s going to focus on the stages of financial inclusion, and what are the risk-based policies countries must put in place to achieve the desired outcome, which is a low-cost, high-robustness and trustworthy ecosystem that enables anybody to enter the system and to conduct transactions securely.” Talking about another important aspect, which is having the financial platform, Atick explains: “Even if people are known to you in the Civil Register or the National Population Register; if you do not have the financial platforms and access to these financial platforms, then you cannot participate. So, you need a mobile phone, for instance. Digital identities are now issuing credentials which have QR codes.” “It could be a mobile phone, either smart, which is a problem in many countries, or a feature phone. But apart from that, you should also be able to give people paper-based IDs with digital seals that are able to link the physical world to the digital world upon which the financial ecosystem runs. You have to make sure that there is a financially suitable credential, and that’s easily presentable so that people can use it and can link to it.” To Atick, the other important thing to do is to encourage the people to accept and use the issued identity credential for the purpose of payment. “We have several countries which have now achieved total coverage of the population for their ID program but there is still limited use of the ID in the financial sector. Therefore, I would not say that they are financially included because people got IDs. It’s like I have a bank account, but I cannot use it. Don’t mistake that for financial inclusion. Financial inclusion has to be real, practical, accessible,” Atick insists. While countries in the CEMAC region and the continent at large look to build their infrastructure to propel financial inclusion, they must have issues like fraud and scale in mind. They must build systems that are scalable and have strong security measures around them to prevent financial fraud and other forms of criminal intrusion. “There are countries that are scaling up their systems so that everyone can use them, but these countries are struggling with fraud which is at all levels of society. We have seen even in the developed world where financially included people are targeted. Fraudsters use social engineering by targeting the weakest link in the digital chain which is the human.” “Financial inclusion is a very, very complex ecosystem. It’s not just about giving excluded people or the poor access to bank accounts. It is about enabling a robust and highly fraud-resistant ecosystem that allows transactions for service delivery.” As part of the push, fintechs, mobile money services, and other instant payment systems are also playing a major role in opening up the financial space for millions of citizens of the subregion, even if such instant payment infrastructures are limited and not inclusive. According to a SIIPS report , the CEMAC subregion has the lowest number of live and operating instant payment systems (IPS). Although it has one regional IPS dubbed , the efforts remain slow and the system has its limitations as it is linked to a bank card, meaning you must have a bank account to be able to use the service. In a report on financial services within CEMAC in 2022, BEAC said just two percent of all transactions involved traditional bank transfers or cards. In the subregion, there are two major multinational companies, namely MTN and Orange, which offer mobile money banking services. There are many other existing and emerging fintech startups which also facilitate instant payments in the form of mobile money. “The instant payment system is one of the use cases of digital ID that allows the financial identifier to be useful and meaningful. So yes, instant payment is very, very important. But let’s not get hung up on terms: whether it’s digital public infrastructure or not, countries don’t think that way. Countries think of problems and what the practical solutions are. They think of how to deploy the necessary tools and infrastructure,” Atick opines. He notes that for the case of Africa, instant payment services like mobile money helped the continent leapfrog the rest of the world in the last 20 years, despite the interoperability issues the service has suffered. BEAC reported in 2022 that over 96 percent of all transactions within CEMAC that year were completed through mobile money channels. “For many, many years, mobile money was just not interoperable, but it’s still heavily used in East Africa. But I think the time has come for a general interoperable instant money similar to mobile money that used to be there, and that actually connects you to the bank account, so that you have a whole list of services, not just holding your money in a mobile credit with a telephone company,” Atick suggests. “While mobile money was very practical and pragmatic and useful for people as one of the alternative mechanisms that was used to bypass this question of people being bankable or people entering the banking system, it has not led to the reform that we had hoped for, which is that you create an ecosystem with many financial services available to an individual with a bank account that they can use and control with their own consent and with their own mechanisms.” Etta concurs with Atick’s view about having a general interoperable instant payment system similar to mobile money, but notes that innovation is what is likely to play the magic. He also believes there’s need to create the enabling regulatory and policy environment for innovative ventures to germinate and thrive. “Innovation is at the center of this transformation. It’s not going to happen if we don’t adopt innovation. Innovation is simply a new way of doing things or better ways of doing things and solving the problems that we face in a country or in a region like CEMAC. A lot of new technology is coming. Today, there’s generative artificial intelligence. To encourage innovation, the most important thing is to create the right environment,” he holds. “This subregion, like the rest of Africa, has a youthful population and these are people who can drive innovation. One thing that has to be done is to create the right framework. In Cameroon, as an example, we have started a Hackathon which is something that brings together young people to build tech solutions to specific societal problems. That’s our own way of trying to push the spirit of innovation. If that gets done multiple times, I think that there’s a lot that can happen in terms of designing new solutions.” In terms of fintechs development and their contribution to financial inclusion, Etta says Cameroon is on the right path with some industry-led initiatives. “In Cameroon today, there’s a lot that’s being done in terms of fintech development and how the ecosystem is evolving. One major milestone that we have achieved today is the creation of a fintech alliance called the Cameroon Fintech Association, and that is led by some of the really big fintechs in Cameroon,” he says. “One of the things we are doing is having a discussion on how the governments or the Central Bank of the subregion can better understand what fintechs are, what they are doing, and what the different avenues of collaboration are, because we really think it’s important to have a vital and strong fintech ecosystem to push financial inclusion.” Although the current realities reflect a not-to-good image and a long path still to be covered, there is some hope that things will improve, provided countries fully understand where exactly to hit the nail and act accordingly, going forward. “It’s not a technical problem, the infrastructure that is needed for that is known. It’s a matter of policy. And it’s also a matter of motivation. We should ask ourselves what the barriers are that we are trying to remove to advance financial inclusion,” Atick says. “I think the level of awareness is accelerating very, very quickly, and that is good news because awareness means informed policies and informed policies will lead to products and solutions that will be accessible by the populations. And when there’s a feedback cycle, the population adopts. A good policy will reinforce the sustainability of these systems.” Atick adds that the future is bright: “Africa will get a sustainable financial inclusion system because all of the economies that are being built in Africa, whether it’s regional or whether it is continental, all rely on one critical assumption. If that assumption fails, then all these, such as the intercontinental free trade agreement, are going to fail.” “Financial inclusion is not just about allowing the poor to get access to financial services. Financial inclusion is about allowing everybody to participate in a usable digital economy,” Atick mentions. To Etta, this is possible in an atmosphere in which governments stay alert and move along with the changing realities of technology. “Another thing is for the governments to be proactive. I don’t think governments should design policies that stay ten years before they are reviewed, because technology is going so fast. And because technology is going so fast, our policies also need to go so fast, to catch up with the growth of technological solutions.” One such new technologies is generative AI, which Etta strongly believes, is useful to drive financial inclusion and digital transformation, generally speaking. “AI is a super powerful tool that we have to make use of to be able to accelerate some of the decisions and projects we want to execute. We just need to understand how it works and how to use it. But more importantly, how to adapt it to our local context in order to get things better done. “So, I will say three things here: one, we need to understand the power of AI. Two, we need to understand that AI is a tool that we can use to accelerate progress and three, we need to adapt it to our context to understand what some of our nuances are.” “I will add that we also need to have really strong AI policies. At one point, AI is really great, and at the other, AI could be very dangerous. So, we need to have policies that guide its implementation and use, but also those policies should not stifle innovation.” | | | | | | | | |
President-elect Donald Trump has been very vocal about planning a mass restructuring of the federal government, with plans to downsize several federal agencies. There is one department that he would like to eliminate completely: the Department of Education. Local and state governments typically establish educational policies and curriculums, but the federal Education Department still plays an important role. It is responsible for administering federal grant programs such as Title I, which provides supplemental funding to high-poverty K-12 schools and the program that helps cover the cost of education for students with disabilities. It also oversees the federal student loan program and enforces civil rights laws that bar discrimination at school. While campaigning, Trump promised to "cut federal funding for any school or program pushing critical race theory, gender ideology or other inappropriate racial, sexual or political content on our children," to "keep men out of women's sports," and to "find and remove the radicals who have infiltrated the federal Department of Education." But could he actually eliminate the department? And what happens if he does? What did the commentators say? "Trump cannot eliminate the agency on his own," said The Washington Post. It would require congressional approval and a supermajority of 60 votes in the Senate . "Politically, this would be difficult, if not impossible," with potential opposition from both parties. If he successfully shuttered the Education Department, it would "surely have symbolic impact." Without it, a Cabinet member would no longer be "focused solely on education issues and empowered to speak to Americans about the challenges schools face." That would make it harder for the federal government to "elevate education issues or press for change in schools." Beyond that, the impact would largely depend on "how Congress restructured the work of the department." If Trump were genuinely concerned about K-12 education, he would "make a bold move right now to help public schools," Jessica Grose said at The New York Times . While a small portion of public school funding comes from the federal government, the "problems we face are so large that they are crying out for a federal response that includes continued funding for things like high-dosage tutoring to ameliorate Covid learning loss." Unfortunately, his first term offers "scant evidence that he has the desire to do much more than wage painful culture-war battles." What Trump will undoubtedly do is "pick splashy fights that he can win through executive orders," said Grose. For instance, he will most likely "reverse the transgender student protections put in place by an executive order from Biden this year." Though it is "pretty unclear how that would play out in practice," it is "certainly chilling." Eliminating the agency is not the same as "eliminating the myriad programs that it runs, billions that it sends out, and multitudinous regulations that it enforces (mostly pursuant to laws enacted by Congress)," Chester Finn Jr., president emeritus of the Thomas B. Fordham Institute, said to the Washington Examiner . "Undoing those functions, programs, activities means dealing separately with the laws that created them — dozens and dozens." If the department is disbanded but its functions are not, it would be a "mostly symbolic act" akin to simply "taking the name off the door." What next? Trump has been swiftly tapping people for his Cabinet picks since his election, and with Trump's plans for eliminating the DOE looming, the "next Education secretary could also be the last," said The Hill . Several names were floated as potential candidates, including Ryan Walters and Cade Brumley, the state superintendents of Oklahoma and Louisiana , respectively, and Tiffany Justice, the co-founder of Moms for Liberty . Ultimately, Trump selected Linda McMahon to head the Department of Education. She is best known for building the professional wrestling company WWE alongside her husband. During Trump's first term, he tapped her to run the Small Business Administration. Like many of his choices, McMahon's nomination was not well received by critics. Selecting her shows that Trump "could not care less about our students' futures," Becky Pringle, the president of the National Education Association , said in a statement. "Our students and our nation deserve so much better than Betsy DeVos 2.0."
Savion Williams rushed for two touchdowns and Josh Hoover threw for 252 yards as TCU pulled away from Arizona in the second half, winning 49-28 on Saturday in Fort Worth, Texas. The Horned Frogs (7-4, 5-3 Big 12) scored touchdowns on five consecutive possessions, starting late in the first half after the Wildcats (4-7, 2-6) pulled within 14-13. Williams carried nine times for 80 yards, scoring on runs of 1 and 20 yards in the first half. Hoover completed 19 of 26 passes, with one touchdown and one interception, before being pulled midway through the fourth quarter when the Frogs were up by 21. TCU took control after leading 21-13 at halftime, going up 35-13 on a 38-yard reception to JP Richardson midway through the third. Arizona kept its hopes alive, ending a 15-play, 75-yard drive with a 3-yard touchdown pass to Chris Hunter on fourth down on the first play of the fourth quarter. The two-point conversion made it 35-21. But the Horned Frogs responded with another TD drive, capped by a 6-yard run by Cam Cook for a 42-21 advantage. Arizona added a 70-yard fumble return touchdown with one minute to go for the game's final score. Tetairoa McMillan caught nine passes for 115 yards to become the Arizona career leader in receiving yardage with 3,355. He surpassed his receivers coach, Bobby Wade (3,351), at the top spot. The Wildcats' Noah Fifita completed 29 of 44 passes for 284 yards with two touchdowns and an interception, which happened on the game's first snap. TCU promptly scored on a 4-yard run by Trent Battle, and Williams added a 1-yard TD run late in the first quarter for a 14-0 lead. But the Wildcats fought back, getting a 17-yard touchdown reception by Hunter and field goals of 53 and 43 yards from Tyler Loop to climb within 14-13 with 1:55 go before halftime. That's almost how the half ended, but the Horned Frogs converted third-and-18 on the ensuing drive and then gained 24 yards on third-and-25 to the Arizona 20. That set up a 20-yard run by Williams on fourth-and-1 with 13 seconds left for a 21-13 lead. --Field Level MediaSingle Heat Wave Wiped Out Millions Of Alaska's Dominant SeabirdNone
Indian benchmark equity indices closed higher on Friday, driven by a rebound in auto stocks, with valuations becoming more attractive after last week's sharp decline. The Nifty 50 rose by 0.27%, finishing at 23,813, while the BSE Sensex gained 0.29%, ending at 78,699. Commenting on the market action, Dhupesh Dhameja, Derivatives Analyst at SAMCO Securities, stated that the Nifty is showing a constrained sideways-to-bullish trend, with narrow price movements and repeated indecisive candlestick patterns indicating a lack of clear direction. "The 23,900–24,000 range, supported by significant call writing, presents a strong resistance. On the other hand, the 200-DEMA and the crucial 23,700–23,600 zone, backed by substantial put writing, form a solid base for the bulls. A breakout above 24,000 could trigger a short-covering rally, pushing the index toward 24,500. Until then, a 'buy on dips' approach remains advisable. However, a breakdown below 23,500 could intensify bearish momentum, potentially pulling the index down to the 23,150–23,000 range, where strong put writing provides additional support," Dhameja explained. Here are 2 stock recommendations for Monday: Buy IPCA Laboratories at Rs 1,632.6 Target Price: Rs 1,715 Stop Loss: Rs 1,594 Stock Trading Masterclass on Value Investing and Company Valuation By - The Economic Times, Get Certified By India's Top Business News Brand View Program Stock Trading Market 104: Options Trading: Kickstart Your F&O Adventure By - Saketh R, Founder- QuickAlpha, Full Time Options Trader View Program Stock Trading Technical Analysis for Everyone - Technical Analysis Course By - Abhijit Paul, Technical Research Head, Fund Manager- ICICI Securities View Program Stock Trading Stock Markets Made Easy By - elearnmarkets, Financial Education by StockEdge View Program Stock Trading Renko Chart Patterns Made Easy By - Kaushik Akiwatkar, Derivative Trader and Investor View Program Stock Trading Market 101: An Insight into Trendlines and Momentum By - Rohit Srivastava, Founder- Indiacharts.com View Program Stock Trading Markets 102: Mastering Sentiment Indicators for Swing and Positional Trading By - Rohit Srivastava, Founder- Indiacharts.com View Program Stock Trading Dow Theory Made Easy By - Vishal Mehta, Independent Systematic Trader View Program Stock Trading Market 103: Mastering Trends with RMI and Techno-Funda Insights By - Rohit Srivastava, Founder- Indiacharts.com View Program Stock Trading ROC Made Easy: Master Course for ROC Stock Indicator By - Souradeep Dey, Equity and Commodity Trader, Trainer View Program Stock Trading Heikin Ashi Trading Tactics: Master the Art of Trading By - Dinesh Nagpal, Full Time Trader, Ichimoku & Trading Psychology Expert View Program Stock Trading RSI Made Easy: RSI Trading Course By - Souradeep Dey, Equity and Commodity Trader, Trainer View Program Stock Trading Introduction to Technical Analysis & Candlestick Theory By - Dinesh Nagpal, Full Time Trader, Ichimoku & Trading Psychology Expert View Program IPCALAB has broken out from an "Adam & Eve" pattern, signaling that buyers have overtaken the sellers. The surge in volume during the breakout demonstrates strong buying interest at current levels. Moreover, a bullish candlestick has formed precisely near the breakout zone (1610-1612), further reinforcing a bullish setup. From an indicator standpoint, the RSI (14) is currently at the 61 level, supporting the ongoing upward momentum. Buy Mangalam Cement at Rs 981.10 Target Price: Rs 1,050 Stop Loss: Rs 956 On the daily timeframe, MANGLMCEM surged by 7.54%, forming a bullish candle and closing at a one-month high. The stock has successfully broken out of a rectangle pattern, indicating a strong structural foundation. The bullish trend is expected to remain intact as long as the price stays above the 956 level. From a momentum perspective, the Relative Strength Index (RSI) is trending upward and remains above its moving average, signaling sustained positive momentum in the near term. This confluence of factors suggests a continuation of the upward trajectory. (Analyst: Drumil Vithlani, Technical Research Analyst at Bonanza) (Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of Economic Times) (You can now subscribe to our ETMarkets WhatsApp channel )WEST LAYFAYETTE, Ind. (AP) — Trey Kaufman-Renn had 18 points and Myles Colvin and Camden Heide each scored 13 to lead No. 6 Purdue to an 80-45 rout of Marshall on Saturday. Colvin and Heide were making their first starts of the season for Purdue (5-1). Braden Smith, who was averaging 14.6 points, was scoreless on an 0-for-4 shooting day. Smith had a team-high nine assists. Nate Martin led Marshall (3-2) with nine points, playing 24 minutes before fouling out with several minutes left in the game. The Boilermakers shot 55% in the first half to take a 39-24 halftime lead. However, Purdue made only one field goal in the final nine minutes of the first half. Purdue picked up the intensity in the second half, leading by as many as 41 points. The Boilermakers shot 50% for the game and held the Thundering Herd to 30%. No. 10 NORTH CAROLINA 87, HAWAII 69 HONOLULU (AP) — R.J. Davis scored 14 of his 18 points in the first half and No. 10 North Carolina pulled away from Hawaii. Elliot Cadeau had 17 points on 7-of-8 shooting, Seth Trimble scored 11 of his 13 points after halftime and Ian Jackson added 11 for the Tar Heels (3-1). Davis, an All-American guard, moved into fourth place on North Carolina’s all-time career scoring list. He overtook Sam Perkins with his free throw at the 11:59 mark of the first half. Gytis Nemeiksa led Hawaii with 16 points and had 10 rebounds. Akira Jacobs made three 3-pointers and scored 13 points off the bench. Tanner Christensen had 10 points and 10 rebounds and Marcus Green added 10 points for the Rainbow Warriors (4-1). No. 15 MARQUETTE 880, GEORGIA 69 NASSAU, Bahamas (AP) — David Joplin scored a career-high 29 points and made six 3-pointers, Chase Ross had 14 points and five steals, and No. 15 Marquette beat Georgia. Joplin scored five straight Marquette points to begin a 12-3 run that Stevie Mitchell capped by banking in a shot with 1:33 remaining for a 78-66 lead. Mitchell made a steal at the other end to help seal it. Ben Gold scored a career-high 14 points and Kam Jones had 10 points and seven assists for Marquette (6-0). Jones was coming off the program’s third triple-double in more than 100 seasons when he had 17 points, 13 rebounds and 10 assists in 36 minutes against No. 6 Purdue on Tuesday. Gold’s previous high was 12 points at UConn on Feb. 7, 2023, while Joplin’s was 28 at DePaul on Jan. 28, 2023. Blue Cain scored 17 points and Tyrin Lawrence added 15 for Georgia (5-1). Dakota Leffew had 11 and Silas Demary Jr. 10. The Bulldogs turned it over 18 times, leading to 27 points by Marquette. No. 18 CINCINNATI 81, GEORGIA TECH 58 ATLANTA (AP) — Dillon Mitchell had 14 points and 11 rebounds for his first double-double of the season, and No. 18 Cincinnati beat Georgia Tech. Jizzle James and Cole Hickman also scored 14 points apiece for the Bearcats (5-0), who passed the first true test of the young season against their first major conference opponent in the Yellow Jackets of the ACC. Naithan George made three 3-pointers while scoring 13 points for Georgia Tech (2-3). Duncan Powell added 10 points, while leading scorer Baye Ndogo finished with just five points. No. 25 ILLINOIS 87, Md-Eastern Shire 40 CHAMPAIGN, Ill. (AP) — Will Riley scored his 19 points in the second half and No. 25 Illinois beat Maryland Eastern Shore. Kylan Boswell added 13 points, Tomislav Ivisic had 11 and Morez Johnson Jr. finished with 10 for the Illini (4-1), who shot 25% (10 for 40) from 3-point range but committed just nine turnovers. Tre White grabbed 11 rebounds and Kasparas Jakucionis seven for Illinois, which outrebounded the Hawks 59-38. Jalen Ware scored 10 points and Christopher Flippin had 10 rebounds for Maryland Eastern Shore (2-6), which had its lowest point total of the season. The team’s previous low came in 102-63 loss to Vanderbilt on Nov. 4.pinstock/E+ via Getty Images PRFZ strategy Invesco FTSE RAFI US 1500 Small-Mid ETF ( NASDAQ: PRFZ ) was launched on 09/20/2006 and tracks the FTSE RAFI US 1500 Small-Mid Index. It has 1451 holdings, a 30-day SEC yield of 1.05% and a net Quantitative Risk & Value (QRV) provides you with risk indicators and data-driven, time-tested strategies. Get started with a two-week free trial now. Fred Piard, PhD. is a quantitative analyst and IT professional with over 30 years of experience working in technology. He is the author of three books and has been investing in data-driven systematic strategies since 2010. Quantitative Risk & Value Learn more Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
The Menkiti Group Deepens Commitment to Worcester, Massachusetts with Grand Opening of 526-536 Main Street