Canada’s Most Visionary Business Leader to Follow in 2025..

1. 24 PUBLICIST VOL 03 | ISSUE 02 | 2025 www.globalpublicist24.com Canada’s BUSINESS LEADER TO FOLLOW IN 2025 MOST VISIONARY TOP PICK How Canadian Business Leaders Are Redefining Leadership in a Digital Age TOP PICK The Power of Networking: Why Connections Matter in Business Arif Esa President & CEO moneyIN Global Inc. TOP PICK Why Customer Experience is the Key to Long-Term Growth Arif Esa Revolutionizing Inclusive Digital Banking

4. From Editor’s Desk I Publicist 24 is proud to present its latest edition, "Canada's Most Visionary Business Leader to Follow in 2025," spotlighting trailblazers who are shaping the future of industries with their forward-thinking approach. n the ever-evolving landscape of Canadian business, visionary leadership stands as the driving force behind innovation, resilience, and success. Global 2. The Power of Networking: Why Connections Matter in Business – Unveiling the role of meaningful relationships in achieving long-term success. 3. Why Customer Experience is the Key to Long-Term Growth – Examining how customer-centric strategies drive sustainable business expansion. Gracing our cover is Arif Esa, President & CEO of moneyIN Global Inc., a leader whose strategic vision and unwavering commitment to excellence are redefining the financial sector. His journey exemplifies the power of innovation, adaptability, and leadership in a rapidly changing business environment. As we celebrate Canada's most visionary leaders, we invite you to gain inspiration from their stories, strategies, and insights—fueling your own journey to success. Happy reading! This edition also delves into the transformative aspects of leadership and business growth with insightful articles, including: Johnson T. Johnson T. Editor-in-Chief 1. How Canadian Business Leaders Are Redefining Leadership in a Digital Age – Exploring how technology and adaptability are shaping modern leadership.

5. From Editor’s Desk

8. Cov Story Arif Esa Revolutionizing Inclusive Digital Banking Contts 14 Arc’s 24 How Canadian Business Leaders Are Redefining Leadership in a Digital Age 30 36 The Power of Networking: Why Connections Matter in Business Why Customer Experience is the Key to Long-Term Growth

9. Cov Story

10. GL BAL PUBLICIST 24 EDITOR IN CHIEF JOHNSON T. MANAGING EDITOR PEREZ GONZALEZ ART AND DESIGN HEAD SAGAR J. BUSINESS DEVELOPMENT MANAGER MARTIN MOORE BUSINESS DEVELOPMENT EXECUTIVE KEVIN BERNARD DIGITAL MARKETING MANAGER UTTEJ T. RESEARCH ANALYST EARL LEWIS CIRCULATION MANAGER SCOOT TAYLOR sales@globalpublicist24.com FOLLOW US Global Publicist 24 www.globalpublicist24.com www.facebook.com/GlobalPublicist24 www.twitter.com/GlobalPublicist Copyright © 2025 Global Publicist 24. All rights reserved. The materials and visuals contained within this magazine are protected and should not be reproduced or transmitted in any manner, including electronic, mechanical, photocopying, recording, or otherwise, without prior permission from Global Publicist 24. Reprint rights are exclusively retained by Global Publicist 24. www.linkedin.com/company/globalpublicist24/ www.instagram.com/globalpublicist24/

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14. COVER STORY Arif Esa Arif Esa Arif Esa Revolutionizing Inclusive Digital Banking

15. Arif Esa President & CEO moneyIN Global Inc.

16. G business leaders see opportunities hidden in challenges and have the courage not only to imagine a different future but also to bring it to life. They're driven not just by profit, but by a deeper sense of purpose that connects people and possibilities. reat leaders don't just navigate change. They anticipate it, shape it, and often redefine the boundaries of what's possible. Visionary thinking leadership. He's not simply at the helm of a thriving fintech company. He's actively shaping the landscape of financial inclusion through groundbreaking innovations. Arif's leadership is about creating entirely new paths, crafting solutions that empower individuals and businesses alike, and ensuring no community gets left behind in the digital banking revolution. His story is a testament to what's possible when visionary thinking meets unwavering commitment. Arif Esa is exactly that kind of leader. As the CEO of moneyIN, Arif embodies the very essence of forward-

17. Journey of A Natural Leader for his later role as a leader in fintech and international business. Arif Esa started his journey into business remarkably early. Growing up in a family actively involved in commerce and politics, he quickly developed a passion for entrepreneurship. By the time he was 11, Arif was already gaining practical experience in sales, showing a natural ability in negotiation and business strategy. At just 14, he launched his own online store, selling textiles and electronics with impressive success. This early venture set the groundwork Now, with more than two decades of experience, Arif has become skilled at handling diverse business areas like international investments, family office operations, large infrastructure projects, and corporate-to-government financial arrangements. He's an expert in managing financial strategies, reducing risks, and maximizing returns for shareholders. Arif's leadership has been critical in securing over $10 billion for government

18. initiatives and overseeing deals worth more than $3 billion across various industries. America. The company now holds 13 financial licenses, enabling it to function as a complete digital banking solution. Across Canada and the USA, moneyIN is integrating seamlessly with established payment networks, ensuring users enjoy smooth and secure cross- border financial experiences. As CEO and co-founder of moneyIN, Arif Esa has boldly reshaped digital banking. With Arif at the helm, moneyIN has grown into a major financial innovator, gaining essential licenses and strategic partnerships to build an accessible and inclusive financial system. The company's clear mission is to offer smooth, cross-border digital banking services designed specifically to support individuals, businesses, and underserved communities. Driven by a commitment to financial inclusion, moneyIN continues to grow strategically throughout North America, providing specialized cross-border payment services, real-time fund transfers, and financial management tools. These services cater specifically to immigrants, small businesses, and enterprises, while globally extending banking access to underserved communities. Bridging Finance and Accessibility moneyIN isn't your typical finance app—it's a revolutionary platform built to simplify, secure, and enhance the financial lives of individuals, merchants, and businesses alike. Under Arif Esa's guidance, moneyIN is creating an all-in-one financial experience, blending modern innovations with traditional methods to serve both connected and offline communities. To encourage savings, moneyIN has introduced unique bonus incentives, making financial growth both interactive and rewarding. By merging decentralized finance (DeFi) concepts with traditional, regulated structures, moneyIN effectively bridges the gap between current banking systems and the financial innovations of tomorrow. A key highlight is moneyIN's educational hub, designed to boost financial literacy and offer professional certifications. By partnering with leading institutions, moneyIN provides globally recognized qualifications available in over 60 countries. This initiative also supports newcomers in smoothly transitioning to Canada and other regions, offering specialized financial tools, savings incentives, and career growth opportunities. Additionally, moneyIN collaborates actively with universities, government agencies, and leading fintech companies to broaden its impact. Notable initiatives include biometric ID-linked financial services, cost- effective international remittances, and educational programs aimed at boosting users' financial literacy and confidence. Simplifying Global Financial Literacy Moreover, moneyIN is building solutions for communities with limited digital access. Through USSD- based payments, the platform allows users in remote areas to effortlessly conduct transactions, save money, and manage finances without needing smartphones or mobile data. Beyond his role as a CEO, Arif Esa is also a respected author who has greatly impacted financial literacy through his insightful books. Titles like Banking and Trade Finance Demystified and Blockchain & Decentralized Finance – Revolutionizing Global Currency Remittances break down complex financial topics, making them easily understandable. These books are practical guides for entrepreneurs, policymakers, and finance professionals who want clarity in navigating today's digital economy. For businesses, moneyIN is streamlining financial operations with instant payment options, efficient payroll management, and cost-effective solutions. This approach reduces transaction expenses significantly, giving enterprises better control over their finances and day-to- day operations. A Vision Across Borders Arif's approachable writing style highlights his deep expertise in finance and his skill in simplifying difficult economic ideas. His work continues to inspire and educate the next generation of fintech innovators. With Arif Esa leading the charge, moneyIN has reached impressive milestones, especially in North

21. Foresight for Innovation Looking forward, Arif Esa sees moneyIN transforming into a powerful financial super-app, combining banking, education, enterprise services, and investment tools into one seamless platform. The company is actively exploring technologies like biometric security, AI-driven financial guidance, and blockchain, ensuring it remains among the safest and most innovative fintech platforms globally. One of Arif's most ambitious goals is providing tailored financial solutions to underserved communities. By tackling financial exclusion, moneyIN aims to play a significant role in building a fair and inclusive financial environment. Arif's philosophy is straightforward yet profound: “Success isn't about accumulating wealth—it's about creating opportunities for others to succeed. True financial freedom is having choice and access.” Setting A Benchmark of Trust Arif Esa's impactful work in fintech and economic empowerment has brought him global recognition. His insights and leadership have been featured by top media like Forbes Africa, CNBC Africa, EliteX, CIO Times, and World Leaders Magazine. His groundbreaking work in fintech and economic empowerment has gained global attention, featuring prominently in Forbes Africa, CNBC Africa, EliteX, CIO Times, and World Leaders Magazine. He has earned notable awards such as Fintech Development Company of the Year (Global Awards, London), Most Influential Leader to Watch in Asia, and being named among the Top 10 Most Inspiring CEOs worldwide. Some of his most prominent awards include: • Fintech Development Company of the Year (Global Awards, London) Arif's ability to integrate fintech innovations into real- world applications has made him a leading voice in financial policy discussions and advisory roles for governments and large-scale infrastructure projects. • Most Influential Leader to Watch in Asia • Named among the Top 10 Most Inspiring CEOs by leading business media worldwide Ultimately, Arif Esa's journey is an inspiring story of determination, innovation, and relentless dedication to financial inclusion. Through his leadership, moneyIN is actively shaping a financial future where transparency, security, and accessibility benefit everyone. • Deputy Chairman at ITC Banking and Trade Finance Division, influencing international financial policy decisions Arif's strength lies in making complex financial technologies practical and accessible, placing him at the center of fintech policy discussions, corporate advisory roles, and major infrastructure finance projects. His expertise in negotiating large projects and creating innovative financial solutions has established him as a trusted advisor to global financial institutions and policymakers. As Arif himself emphasizes, “Real innovation isn't just inventing something new—it's about solving genuine problems, removing barriers, and empowering people to build better lives. The world's most valuable currency isn't money; it's opportunity.”

24. How Canadian Business Leaders Are Redefining Leadership in a Digital Age ntroduction IIn today's fast-paced digital landscape, business leadership is evolving rapidly. Canadian business leaders are at the forefront of this transformation, embracing new technologies, innovative strategies, and modern management styles to stay ahead. As industries shift towards digital-first operations, these leaders are redefining leadership by leveraging technology, prioritizing adaptability, and fostering a culture of continuous innovation. This article explores how Canadian executives and entrepreneurs are shaping the future of leadership in a digital age. requires a strategic approach to innovation, automation, and data-driven decision-making. Key Areas of Digital Transformation: • Artificial Intelligence (AI) & Automation: Businesses are utilizing AI-driven insights to enhance customer experiences, improve efficiency, and optimize decision- making. • Cloud Computing & Remote Work: Companies are leveraging cloud-based platforms to support remote and hybrid work models, increasing flexibility for employees. • Cybersecurity & Data Protection: With the rise in cyber threats, Canadian leaders prioritize robust security measures to protect customer data and maintain trust. Embracing Digital Transformation The shift to digital is no longer optional—it is essential. Canadian business leaders recognize the importance of integrating digital technologies into their organizations. This transformation extends beyond adopting software; it By integrating these technologies, Canadian business leaders are enhancing productivity and staying competitive in a global market. 24 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

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26. Prioritizing Digital-First Leadership • Digital tools to enhance collaboration Harnessing Innovation & Entrepreneurship Leadership in the digital age requires a shift from traditional hierarchical management to a more dynamic and inclusive approach. Canadian leaders are setting new standards by embracing digital-first leadership principles: Canadian business leaders are fostering an ecosystem of innovation, particularly in industries like fintech, healthcare, and e-commerce. Startups and established enterprises alike are leveraging digital advancements to disrupt traditional industries. Examples include: 1. Agility & Adaptability: Digital leaders must be quick to respond to technological advancements and market changes. They cultivate a mindset of agility, ensuring their teams can pivot strategies when necessary. 2. Data-Driven Decision Making: Companies increasingly rely on data analytics to guide business strategies. Leaders use real-time insights to improve customer experiences, streamline operations, and drive profitability. 3. Transparency & Open Communication: Digital platforms have enabled more open communication between executives, employees, and customers. Tools like Slack, Zoom, and Microsoft Teams facilitate collaboration, ensuring seamless interaction across different levels of the organization. • Fintech Companies: Using blockchain and AI to revolutionize banking and payments. • E-commerce Giants: Optimizing online shopping experiences with personalized AI-driven recommendations. • Healthcare Innovations: Advancing telemedicine and wearable health technologies. These leaders embrace a culture of experimentation, encouraging employees to innovate and think beyond conventional business models. Building Trust in a Digital World Fostering a Digital-Ready Workforce Trust remains a cornerstone of effective leadership, and in the digital age, it requires a new approach. Canadian business leaders are strengthening trust by: One of the biggest challenges leaders face in the digital age is preparing their workforce for technological advancements. Canadian business leaders are prioritizing: 1. Enhancing Cybersecurity Measures: Protecting customer data to build credibility and prevent breaches. 2. Practicing Ethical Leadership: Prioritizing corporate social responsibility and sustainability in business decisions. 3. Engaging with Customers Through Digital Channels: Leveraging social media, live chats, and AI-driven chatbots to maintain transparent communication. 1. Upskilling & Reskilling Employees With automation and AI changing job roles, leaders are investing in employee training programs to ensure teams remain relevant in a tech-driven environment. Companies are offering: • Digital skills training (coding, data analysis, AI literacy) • Leadership development programs focused on digital transformation • Continuous learning opportunities through online courses and workshops Conclusion Canadian business leaders are setting a new standard for leadership in a digital age by embracing technological innovation, fostering a digital-ready workforce, and redefining leadership principles. As industries continue to evolve, their ability to adapt, innovate, and maintain trust will determine long-term success. By prioritizing digital transformation and people-centric leadership, these visionaries are shaping the future of business in Canada and beyond. 2. Promoting Remote & Hybrid Work Models The pandemic accelerated the shift to remote work, and Canadian leaders continue to embrace flexible work models. This approach enhances work-life balance, boosts productivity, and attracts top talent globally. Companies that implement successful hybrid models prioritize: • Clear communication channels • Performance-driven outcomes rather than hours worked 26 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

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31. The Power of Networking Why Connections Matter in Business ntroduction IIn the fast-paced world of business, success is rarely achieved in isolation. Networking is a powerful tool that can open doors to new opportunities, collaborations, and professional growth. Whether you are an entrepreneur, executive, or aspiring professional, building and maintaining strong connections can be a game-changer. In this digital age, networking has evolved beyond face-to-face meetings, extending into online platforms, virtual events, and global communities. This article explores why networking matters in business and how professionals can leverage it to achieve long-term success. The Importance of Networking in Business 1. Expanding Opportunities Networking introduces professionals to new possibilities, including job opportunities, partnerships, and business deals. A well-connected individual is more likely to come across lucrative projects, mentorships, and valuable collaborations. By consistently engaging with others in your industry, you increase your chances of being in the right place at the right time. 2. Building a Strong Professional Reputation Your professional network acts as a reflection of your credibility and expertise. The more connections you have with reputable individuals and organizations, the more trustworthy and authoritative you appear in your field. A strong network can also enhance your personal brand, making you a go-to expert for industry insights and solutions. 31 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

32. 3. Gaining Access to Knowledge and Insights Networking provides access to industry trends, market shifts, and insider information that may not be available through traditional research. Engaging in discussions with industry leaders, mentors, and peers allows you to stay ahead of the curve and make informed decisions for your business or career. 4. Boosting Business Growth and Sales For entrepreneurs and business owners, networking is a crucial driver of business growth. Word-of-mouth referrals, recommendations, and partnerships can significantly increase sales and brand recognition. Establishing connections with potential clients, suppliers, and investors can lead to long-term business success. Types of Business Networking 1. Professional Associations and Industry Events Attending conferences, trade shows, and networking events allows professionals to meet like-minded individuals and build relationships within their industry. Joining industry- specific associations can also provide access to exclusive networking opportunities. 2. Online and Social Media Networking In today's digital landscape, platforms like LinkedIn, Twitter, and industry- specific forums have made networking more accessible than ever. Engaging with professionals through social media, participating in discussions, and sharing valuable insights can help expand your reach and visibility. 32 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

33. 3. Peer-to-Peer Networking 5. Leverage Online Tools and Platforms Establishing relationships with peers and colleagues within your field can be just as valuable as networking with high-profile industry leaders. Peer networking allows for knowledge sharing, mutual support, and collaboration opportunities. Utilize networking platforms like LinkedIn, business networking apps, and virtual events to expand your reach. Engaging in online discussions, posting valuable content, and reaching out to new contacts can help establish your presence in the digital networking space. 4. Mentorship and Coaching Networks Overcoming Networking Challenges 1. Overcoming Shyness and Social Anxiety Having a mentor or being part of a coaching network provides invaluable guidance and career development. Learning from someone with experience in your industry can help you navigate challenges and make better business decisions. Many professionals struggle with networking due to shyness or social anxiety. Practicing conversations, setting small networking goals, and attending smaller, intimate events can help build confidence in networking situations. Strategies for Effective Networking 1. Be Genuine and Authentic 2. Managing Time and Priorities Networking is about building meaningful relationships, not just collecting contacts. Approach networking with authenticity and a genuine interest in others. People are more likely to remember and trust those who engage in sincere conversations rather than those who appear to be seeking personal gain. Networking can be time-consuming, so it's essential to be strategic. Prioritize high-value events and connections that align with your career or business goals. Allocate specific time for networking activities to ensure consistency. 3. Avoiding Transactional Relationships 2. Provide Value to Others Networking should not be solely about seeking favors. Building strong, genuine relationships should be the primary focus. A long-term networking approach ensures that connections remain meaningful and mutually beneficial. One of the best ways to build strong connections is to offer value to your network. Whether it's sharing industry insights, making introductions, or offering support, providing value strengthens your relationships and positions you as a valuable connection. Conclusion 3. Follow Up and Maintain Relationships The power of networking in business cannot be underestimated. Strong connections lead to new opportunities, career growth, and business success. Whether through in-person meetings, professional events, or online platforms, networking helps professionals expand their influence, gain industry insights, and build meaningful relationships. By adopting a strategic and authentic approach to networking, individuals can position themselves for long-term success in their careers and businesses. Meeting someone at an event or connecting on LinkedIn is just the first step. Regularly check in with your connections, share updates, and engage in meaningful conversations. Maintaining relationships over time leads to long-term networking benefits. 4. Attend Events and Join Groups Actively participating in business events, seminars, and professional groups increases your chances of meeting influential individuals. Consistently engaging in networking activities helps keep your presence visible in your industry. 33 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

36. Why Customer Experience is the Key to Long-Term Growth ntroduction IIn today's competitive business landscape, companies are no longer just selling products or services—they are selling experiences. Customer experience (CX) has become a crucial factor in determining business success, as it directly impacts customer satisfaction, loyalty, and long-term growth. Organizations that prioritize exceptional customer experiences build strong brand reputations, increase customer retention, and drive sustainable revenue. In this article, we will explore why customer experience is the key to long-term growth and how businesses can optimize their strategies to enhance CX. The Role of Customer Experience in Business Success 1. Building Brand Loyalty and Customer Retention A positive customer experience fosters trust and loyalty, making customers more likely to return for repeat purchases. Businesses that consistently provide excellent service create a strong emotional connection with their customers, which reduces churn rates and boosts retention. Studies show that acquiring a new customer costs five times more than retaining an existing one, highlighting the importance of prioritizing CX for long-term profitability. 2. Enhancing Brand Reputation and Word-of-Mouth Marketing Customers who have a great experience are more likely to share 36 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

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38. 4. Gathering and Acting on Customer Feedback their positive interactions with others. Word-of-mouth recommendations, online reviews, and social media discussions play a significant role in influencing potential buyers. A company known for exceptional customer service can benefit from organic brand advocacy, reducing the need for expensive marketing campaigns. Listening to customers and implementing their feedback helps businesses refine their strategies. Conducting surveys, monitoring online reviews, and utilizing customer data analytics allow companies to identify areas of improvement and implement necessary changes. Continuous feedback loops ensure that businesses stay aligned with customer expectations. 3. Driving Revenue Growth and Competitive Advantage Businesses that invest in customer experience see higher revenue growth compared to those that neglect it. Satisfied customers are willing to pay a premium for superior service, and they are more likely to choose a brand they trust over competitors. A strong CX strategy sets a company apart in a crowded marketplace, making it a preferred choice for consumers. 5. Creating Emotional Connections with Customers A memorable customer experience goes beyond transactional interactions—it creates emotional engagement. Brands that build relationships through storytelling, personalized interactions, and genuine care for customer needs foster a deeper emotional bond. These connections increase customer lifetime value and transform buyers into brand advocates. Key Elements of a Strong Customer Experience Strategy 1. Personalization and Customer-Centric Approach The Impact of Technology on Customer Experience 1. Artificial Intelligence (AI) and Automation Personalization is a major driver of positive customer experiences. Companies that understand their customers' preferences, behaviors, and pain points can tailor interactions to meet individual needs. Implementing AI- driven recommendations, personalized email campaigns, and customized services enhances customer satisfaction and engagement. AI-driven solutions are transforming CX by enhancing personalization, automating customer interactions, and providing real-time insights. Chatbots, predictive analytics, and virtual assistants improve efficiency and ensure customers receive quick and accurate responses. 2. Seamless Omnichannel Experience 2. Data Analytics for Customer Insights Modern consumers interact with brands across multiple channels—websites, social media, mobile apps, and physical stores. Ensuring a seamless and consistent experience across all touchpoints is essential. Businesses should integrate their digital and offline platforms to provide smooth transitions between different channels, improving customer convenience. Businesses leveraging big data and analytics can gain valuable insights into customer behavior and preferences. Understanding customer journeys helps brands optimize marketing strategies, product offerings, and service improvements, leading to enhanced experiences. 3. Augmented Reality (AR) and Virtual Reality (VR) 3. Proactive Customer Support Innovative brands are incorporating AR and VR technologies to provide immersive experiences. From virtual try-ons in fashion to interactive product demonstrations in e-commerce, these advancements elevate customer engagement and satisfaction. Providing prompt and efficient customer support is vital in delivering a positive CX. Businesses should invest in: • AI-powered chatbots for instant assistance • 24/7 customer service availability • Well-trained support teams that offer empathetic and solution-oriented service Proactive communication, such as addressing potential issues before they escalate, can significantly enhance customer satisfaction. 4. Mobile Experience Optimization With an increasing number of consumers using mobile devices, businesses must ensure mobile-friendly websites, seamless app navigation, and fast-loading pages. A poor 38 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM

39. 3. Handling Negative Customer Feedback mobile experience can drive potential customers away, while a well-optimized platform enhances convenience and retention. Negative feedback can impact brand reputation if not managed properly. Companies must adopt a proactive approach in addressing concerns, offering solutions, and improving based on constructive criticism. Challenges in Delivering Exceptional Customer Experience 1. Managing High Customer Expectations Conclusion With increased competition and technological advancements, customer expectations are higher than ever. Businesses must continuously innovate and adapt to meet these evolving demands. Customer experience is the foundation of long-term business growth. Companies that prioritize CX benefit from increased customer loyalty, higher revenue, and a competitive edge in the market. By leveraging technology, personalization, and proactive support, businesses can create meaningful customer relationships and drive sustainable success. In an era where customers hold the power, delivering exceptional experiences is no longer an option—it's a necessity. 2. Balancing Automation with Human Touch While automation improves efficiency, customers still value human interaction. Striking the right balance between AI- driven solutions and human support ensures a personalized and empathetic experience. 39 | MARCH 2025 | WWW.GLOBALPUBLICIST24.COM