XPayIndustry WIKIBack to home
XPAY KNOWLEDGE

Industry WIKI

Digital assets and currencies

Understand assets, networks and trading mechanics with sources you can check.

Trading basics

Advertising clutter

Advertising clutter or marketing clutter refers to the large volume of advertising messages that the average consumer is exposed to on a daily basis. It can occur in television, radio, print media, direct mail and online advertising. Clutter may be assessed objectively, through the number of advertisements or the proportion of advertising content, or subjectively, through the amount of a

Trading basics

Aetna

Aetna Inc. ( ET-nə) is an American managed health care company that sells traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid (fully or partly) insurance and benefit programs, and through Medicare. Since November 28, 2018, the company

Trading basics

Avantor

Avantor, Inc. is an American biotechnology, chemicals, and pharmaceutical company headquartered in Radnor, Pennsylvania. Established in 1904 as J.T. Baker, the company changed its name to Avantor in 2010. Avantor went public in 2019 and is now listed on the New York Stock Exchange under the symbol “AVTR”.

Trading basics

Bill.com

BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States. A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem.

Trading basics

Biomet

Biomet, Inc., was a medical device manufacturer located in the Warsaw, Indiana, business cluster. The company specialized in reconstructive products for orthopedic surgery, neurosurgery, craniomaxillofacial surgery and operating room supplies. In 2015, Biomet became part of the new company Zimmer Biomet.

Trading basics

Boots (company)

Boots UK Limited (formerly Boots the Chemists Limited) is a British health and beauty retailer and pharmacy chain that operates in the United Kingdom.

Trading basics

Cardinal Health

Cardinal Health Technologies, LLC doing business as Cardinal Health, is an American multinational health care services company, and the 15th highest revenue generating company in the United States. Headquartered in Dublin, Ohio, the company specializes in the distribution of pharmaceuticals and medical products, serving more than 100,000 locations. The company also manufactures medical a

Trading basics

Direct-to-consumer

Direct-to-consumer (DTC or D2C) is a modern variation of the business-to-consumer (B2C) business model. The DTC is a business model of selling products directly to customers and thereby bypassing any third-party retailers, wholesalers, or intermediaries. Direct-to-consumer sales are usually transacted online, but direct-to-consumer brands may also operate physical retail spaces as a comp

Trading basics

Direct-to-consumer advertising

Direct-to-consumer advertising (DTCA) refers to the marketing and advertising of pharmaceutical products directly to consumers as patients, as opposed to specifically targeting health professionals. The term is synonymous primarily with the advertising of prescription medicines via mass media platforms—most commonly on television and in magazines, but also via online platforms.

Trading basics

Elevance Health

Elevance Health, Inc. is an American health insurance company. Prior to June 2022, Elevance Health was named Anthem, Inc. The company is the world's seventh largest healthcare company based on revenue. Its services include medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans through affiliated companies such as Anthem Blue Cross and Blue Shield, Anthem

Securities & exchanges

Emmanuel Lemelson

Emmanuel Lemelson (born Gregory Manoli Lemelson) is an American-born Greek Orthodox priest, social commentator and hedge fund manager.

Payments & settlement

Euronet Worldwide

Euronet is an American provider of global electronic payment services with headquarters in Leawood, Kansas. It offers automated teller machines (ATM), point of sale (POS) services, credit/debit card services, currency exchange and other electronic financial services and payments software. Among others, it provides the prepaid subsidiaries Transact, PaySpot, epay, Movilcarga, TeleRecarga

Trading basics

Financial Guaranty Insurance Company

Financial Guaranty Insurance Company (FGIC) is an American monoline bond insurer established in 1983. It faced significant financial difficulties in 2008 which affected its ability to write new business.

Finance

Genpact

Genpact Ltd. is an American information technology services, consulting, and outsourcing company headquartered in New York City, New York. Founded in Gurgaon, India, and legally domiciled in Bermuda, Genpact employs more than 125,000 people and provides services to clients in over 30 countries worldwide. Genpact is listed on the NYSE and generated revenues of US$5.08 billion in 2025.

Trading basics

Hong Kong Exchanges and Clearing

Hong Kong Exchanges and Clearing Limited (HKEX; Chinese: 香港交易及結算所有限公司; pinyin: Xiānggǎng jiāoyì jí jiésuàn suǒyǒu xiàn gōngsī) operates a range of equity, commodity, fixed income and currency markets through its wholly owned subsidiaries The Stock Exchange of Hong Kong Limited (SEHK), Hong Kong Futures Exchange Limited (HKFE) and London Metal Exchange (LME).

Trading basics

Houghton Mifflin Harcourt

Houghton Mifflin Harcourt Company (HMH)

Trading basics

HubSpot

HubSpot, Inc. is an American customer relationship management firm and data broker. It is headquartered in Cambridge, Massachusetts.

Finance

KOSPI

The Korea Composite Stock Price Index (KOSPI; Korean: 한국종합주가지수) is the index of all common stocks traded on the Stock Market Division—previously, Korea Stock Exchange—of the Korea Exchange. It is the representative stock market index of South Korea, analogous to the S&P 500 in the United States.

Trading basics

Logicor

Logicor is a European warehouse and logistics company with head offices in London and Luxembourg. Founded in 2012 by Blackstone Group, by 2017 Logicor was operating over 630 properties. Logicor was purchased by China Investment Corporation in 2017. In no way is or was Logicor related to Logikor. Logikor is another logistics company founded in 2005 in Canada, with offices in Canada, the U

Trading basics

Mediq

Mediq is a Dutch health care company, which provides pharmaceuticals and medical supplies, by operating apothecaries and by delivering to medical centres and patients. The company is active in 15 countries and in 2012 had a revenue of €2.61 billion. Since 2013, it has been owned by Advent International.

Banking

Merck family

The Merck family is a German noble family of industrialists and bankers, known for establishing the world's oldest pharmaceutical company Merck, its American former subsidiary Merck & Co. (MSD), which is now an independent company, as well as the Hamburg merchant bank H. J. Merck & Co. The family still owns the majority of the pharmaceutical company Merck, making them one of the richest

Trading basics

MicroStrategy

Strategy Inc., stylized as Strategy₿ and formerly known as MicroStrategy, is an American company that provides business intelligence (BI) and mobile software. Founded in 1989 by Michael J. Saylor, Sanju Bansal, and Thomas Spahr, the firm develops software to analyze internal and external data in order to make business decisions and to develop mobile apps. It is a public company headquart

Finance

Morningstar, Inc.

Morningstar, Inc. is an American financial services firm headquartered in Chicago, Illinois, founded by Joe Mansueto in 1984. It provides an array of investment research and investment management services.

Trading basics

Nutraceutical

Nutraceutical is a marketing term used to imply a pharmaceutical effect from plant extracts, compounds, or food products that are claimed to influence health outcomes, typically as dietary supplements.

Trading basics

NXP Semiconductors

NXP Semiconductors N.V. is a Dutch semiconductor manufacturing and design company with headquarters in Eindhoven, Netherlands. It is the second-largest European semiconductor design and manufacturing company by market capitalization as of 2024. The company employs approximately 34,000 people in more than 30 countries and it reported revenues of $12.61 billion in 2024. The company's name

Trading basics

Patient recruitment

Patient recruitment is the process of finding and enrolling suitable participants for clinical trials. It is a crucial aspect of drug development and medical research, as it affects the validity, reliability, and generalizability of the results. Patient recruitment can also be challenging, time-consuming, and costly, involving various ethical, regulatory, and logistical issues.

Payments & settlement

PayPal

PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers; it serves as an electronic alternative to traditional paper methods such as checks and money orders. The company operates as a payment processor for online vendors, auction sites and many other commercial and

Trading basics

PharmEasy

PharmEasy is an Indian e-pharmacy company that sells medicines, diagnostics and telehealth online.

Trading basics

PPD, Inc.

Pharmaceutical Product Development (PPD) is a global contract research organization (CRO) providing comprehensive, integrated drug development, laboratory and lifecycle management services. In December 2021, PPD became a wholly owned subsidiary of Thermo Fisher Scientific.

Trading basics

Public sector marketing

Public sector marketing is about managing the relationships between government organizations, the public sector, and other parties that are seeking services from them.

Trading basics

Roger Altman

Roger Charles Altman (born April 2, 1946) is an American investment banker, the founder and senior chairman of Evercore, and a former Democratic politician. He served as

Finance

Royalty fund

A royalty fund (also known as royalty funding) is a category of private equity fund that specializes in purchasing consistent revenue streams deriving from the payment of royalties. Royalties are a usage-based payment from one individual or entity to another individual or entity, giving the right to use an asset, product, service or idea.

Trading basics

Seagate Technology

Seagate Technology Holdings plc is an international data storage company. It was incorporated in 1978 as Shugart Technology and commenced business in 1979. Since 2010, the company has been incorporated in Dublin, Ireland, with operational headquarters in Fremont, California, United States.

Payments & settlement

Shift4

Shift4 Payments, Inc. is an American payment processing company based in Allentown, Pennsylvania. The company, founded in 1999 by the then 16-year-old Jared Isaacman, processes payments for over 200,000 businesses in the retail, hospitality, leisure, and restaurant industries. Shift4 specializes in commerce technology such as mobile payment software and hardware. The company was publicly

Trading basics

Shopify

Shopify Inc. is a Canadian multinational e-commerce company headquartered in Ottawa, Ontario, that operates a cloud e-commerce management platform (CEMP) for retail point-of-sale systems. The company has over five million customers and processed US$292.3 billion in transactions in 2024, of which 57% was in the United States. Major customers include Tesla, LVMH, Nestlé, PepsiCo, AB InBev,

Securities & exchanges

Stephen A. Schwarzman

Stephen Allen Schwarzman (born February 14, 1947) is an American businessman. He is the chairman and CEO of the private equity firm Blackstone Inc., which he established in 1985 with Peter G. Peterson. Schwarzman was chairman of President Donald Trump's Strategic and Policy Forum, and a major Republican party donor during the 2024 election cycle.

Trading basics

Technology life cycle

The technology life cycle (TLC) describes the commercial gain of a product through the expense of research and development phase, and the financial return during its "vital life". Some technologies, such as steel, paper or cement manufacturing, have a long lifespan (with minor variations in technology incorporated with time) while in other cases, such as electronic or pharmaceutical prod

Trading basics

The Tussauds Group

The Tussauds Group was a visitor attractions company based in London, United Kingdom. Its portfolio of attractions included the Madame Tussauds waxworks, Heide Park Resort in Germany, The London Eye, Warwick Castle, Alton Towers, Thorpe Park, and Chessington World of Adventures.

Finance

Thomson Reuters

Thomson Reuters Corporation ( ROY-tərz) is a Canadian multinational content-driven technology conglomerate. The company was founded in Toronto, Ontario, and maintains its headquarters in the city at 19 Duncan Street.

Payments & settlement

Toast, Inc.

Toast, Inc. is an American cloud-based restaurant management software company based in Boston, Massachusetts. The company provides an all-in-one point of sale (POS) system built on the Android operating system.

Trading basics

Unilateral policy

Under a unilateral policy (or "colgate policy" or "unilateral minimum retail price policy") a manufacturer, without any agreement with the reseller, announces a minimum resale price and refuses to make further sales to any reseller that sells below the announced price. Unilateral policy is a form of resale price maintenance that enables a manufacturer to influence the price at which its